/* ═══════════════════════════════════════════════════════════════════
   CoopSocial — style.css v5
   4 COLORES PRINCIPALES: azul #389ee1 · naranja #ff9e1b · amarillo #fdd700 · verde lima #a2d45e
   SIN fondos negros — versiones oscuras de los 4 colores para contraste
   ═══════════════════════════════════════════════════════════════════ */
:root{
  --azul:      #10ABED; --azul-d:   #0a7ab8; --azul-dk:  #065a8a; --azul-l:  #cce9f8; --azul-xl: #e5f5fd;
  --naranja:   #FF9E02; --naranja-d:#c47800; --naranja-dk:#7a4a00;--naranja-l:#ffe8b0;--naranja-xl:#fff4d6;
  --amarillo:  #FFD600; --amarillo-d:#8a7000;--amarillo-dk:#5a4a00;--amarillo-l:#fff4b0;--amarillo-xl:#fffadc;
  --verde:     #DADF2D; --verde-d:  #8a8f00; --verde-dk:  #5a5f00; --verde-l: #eef0a8; --verde-xl: #f6f8d0;
  --gdk:       #a2d45e;
  --dark:      #2a3820;
  --gray-50:#f0f3f5;--gray-100:#e2e8ed;--gray-200:#c8d2db;
  --gray-400:#8ca88a;--gray-600:#4a5e48;--gray-800:#2a3a28;
  /* ── Gris plata neutro (separador entre secciones de color) ── */
  --plata:     #E8ECF0;
  --plata-md:  #D6DCE4;
  --plata-brd: #B8C2CC;
  --font:'Nunito',sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
  --r:14px;--r-lg:20px;
  --sh-sm:0 2px 14px rgba(42,56,32,.07);
  --sh-md:0 8px 32px rgba(42,56,32,.12);
  --sh-lg:0 16px 48px rgba(42,56,32,.16);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--dark);background:#fff;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}ul{list-style:none}
button{font-family:var(--font);cursor:pointer;border:none;background:none}
img{max-width:100%;display:block}
.container{width:100%;max-width:1240px;margin:0 auto;padding:0 28px}
.section{padding:88px 0}
.bg-plata{background:var(--plata) !important}

/* ── BOTONES ── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:100px;font-size:.9rem;font-weight:800;transition:all .22s var(--ease);white-space:nowrap;cursor:pointer;border:none}
.btn:hover{transform:translateY(-2px)}
.b-azul{background:var(--azul);color:#fff;box-shadow:0 4px 20px rgba(56,158,225,.35)}.b-azul:hover{background:var(--azul-d)}
.b-naranja{background:var(--naranja);color:#fff;box-shadow:0 4px 20px rgba(255,158,27,.4)}.b-naranja:hover{background:var(--naranja-d)}
.b-amarillo{background:var(--amarillo);color:var(--dark);box-shadow:0 4px 20px rgba(253,215,0,.4)}.b-amarillo:hover{background:#e8c400}
.b-verde{background:var(--verde);color:var(--dark);box-shadow:0 4px 20px rgba(162,212,94,.4)}.b-verde:hover{background:var(--verde-d);color:#fff}
.b-ghost{background:transparent;border:2px solid currentColor}
.b-ghost-azul{color:var(--azul)}.b-ghost-azul:hover{background:var(--azul);color:#fff}
.b-gw{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.6)}.b-gw:hover{background:rgba(255,255,255,.18)}
.b-light{background:var(--gray-50);color:var(--gray-800);border:1.5px solid var(--gray-200)}.b-light:hover{border-color:var(--azul);color:var(--azul)}
.btn-sm{padding:9px 19px;font-size:.8rem}.btn-lg{padding:16px 34px;font-size:1rem}

/* ── CHIPS ── */
.chip{display:inline-flex;align-items:center;padding:4px 12px;border-radius:100px;font-size:.67rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase}
.ch-a{background:var(--azul-l);color:var(--azul-d)}.ch-n{background:var(--naranja-l);color:var(--naranja-d)}
.ch-am{background:var(--amarillo-l);color:var(--amarillo-d)}.ch-v{background:var(--verde-l);color:var(--verde-d)}
.ch-w{background:rgba(255,255,255,.25);color:#fff}

/* ── TIPOGRAFÍA ── */
.eyebrow{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px;color:var(--azul)}
.sec-title{font-size:clamp(1.85rem,3.2vw,2.55rem);font-weight:900;line-height:1.12;letter-spacing:-.025em}
.sec-sub{font-size:1rem;color:var(--gray-600);line-height:1.7;margin-top:14px;max-width:560px}
.sec-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:44px;gap:20px}

/* ── STRIPE ── */
.stripe{display:grid;grid-template-columns:1fr 1fr 1fr 1fr}
.s-azul{background:var(--azul)}.s-naranja{background:var(--naranja)}.s-amarillo{background:var(--amarillo)}.s-verde{background:var(--verde)}

/* ── FADE-UP ── */
.fu{opacity:0;transform:translateY(22px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.fu.in{opacity:1;transform:none}
.d1{transition-delay:.07s}.d2{transition-delay:.14s}.d3{transition-delay:.21s}.d4{transition-delay:.28s}
.d5{transition-delay:.35s}.d6{transition-delay:.42s}.d7{transition-delay:.49s}.d8{transition-delay:.56s}

/* ═══════════════════════════════════════════════════════════
   PLACEHOLDER DE IMAGEN
   Uso: <div class="img-ph img-ph-azul" data-ico="📸" data-label="Foto familias asociadas"></div>
   ═══════════════════════════════════════════════════════════ */
.img-ph{border:2px dashed var(--gray-200);border-radius:var(--r);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;min-height:220px;position:relative;overflow:hidden;background:var(--gray-50)}
.img-ph::before{content:attr(data-ico);font-size:2.5rem;opacity:.45}
.img-ph::after{content:attr(data-label);font-size:.74rem;font-weight:800;color:var(--gray-400);text-align:center;padding:0 20px;letter-spacing:.06em;text-transform:uppercase;line-height:1.4}
.img-ph-sm{min-height:140px}.img-ph-lg{min-height:360px}.img-ph-sq{min-height:300px;aspect-ratio:1}
.img-ph-full{min-height:100%;position:absolute;inset:0}
.img-ph-azul{background:var(--azul-xl);border-color:rgba(56,158,225,.3)}
.img-ph-naranja{background:var(--naranja-xl);border-color:rgba(255,158,27,.3)}
.img-ph-amarillo{background:var(--amarillo-xl);border-color:rgba(253,215,0,.4)}
.img-ph-verde{background:var(--verde-xl);border-color:rgba(162,212,94,.4)}

/* ── TOPBAR — fondo azul oscuro ── */
#cs-topbar{font-family:var(--font);background:var(--naranja);color:rgba(255,255,255,.97);font-size:.76rem;font-weight:700;text-align:center;padding:9px 16px}
#cs-topbar a{color:#fff;font-weight:900;margin-left:6px;text-decoration:underline;text-decoration-color:rgba(255,255,255,.55)}
#cs-topbar a:hover{text-decoration-color:#fff}

/* ── NAVBAR ── */
#cs-navbar{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1.5px solid var(--gray-100);transition:box-shadow .3s}
#cs-navbar.sc{box-shadow:0 2px 24px rgba(42,56,32,.1)}
.nbi{display:flex;align-items:center;justify-content:space-between;height:76px;gap:12px}
.nlogo{display:flex;align-items:center;gap:8px}
.nlogo-img{height:44px;width:auto;max-width:180px;object-fit:contain;display:block}
.nlogo-text{font-weight:900;font-size:1.1rem;color:var(--verde-d)}
.nnav{display:flex;align-items:center}
.nav-link{padding:8px 11px;border-radius:9px;font-size:.83rem;font-weight:700;color:var(--gray-800);transition:all .18s;white-space:nowrap}
.nav-link:hover{background:var(--azul-l);color:var(--azul-d)}
.nav-act{background:var(--azul-l);color:var(--azul-d);font-weight:800}
.nact{display:flex;align-items:center;gap:8px;flex-shrink:0}
.npqrs{padding:9px 14px;border-radius:9px;font-size:.8rem;font-weight:700;color:var(--gray-800);border:1.5px solid var(--gray-200);cursor:pointer;background:#fff;transition:all .18s}
.npqrs:hover{border-color:var(--azul);color:var(--azul);background:var(--azul-l)}
.btn-nav{display:inline-flex;align-items:center;padding:9px 18px;border-radius:100px;font-size:.82rem;font-weight:800;background:var(--azul);color:#fff;transition:all .2s;border:none;cursor:pointer;text-decoration:none}
.btn-nav:hover{background:var(--azul-d);transform:translateY(-1px)}
.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;border-radius:8px;cursor:pointer}
.hamburger:hover{background:var(--gray-50)}
.hamburger span{display:block;width:22px;height:2px;background:var(--dark);border-radius:2px;transition:all .3s}
.mnav{display:none;position:fixed;inset:0;z-index:999;background:#fff;padding:90px 28px 80px;overflow-y:auto;flex-direction:column;gap:2px}
.mnav.open{display:flex}
.mnav a{padding:13px 16px;border-radius:10px;font-size:.96rem;font-weight:700;color:var(--gray-800)}
.mnav a:hover{background:var(--azul-l);color:var(--azul-d)}
.mctas{display:flex;flex-direction:column;gap:10px;margin-top:16px}
.btn-mobile-green{display:block;padding:13px;border-radius:12px;font-size:.94rem;font-weight:800;background:var(--azul);color:#fff;text-align:center;text-decoration:none}
.btn-mobile-outline{display:block;padding:13px;border-radius:12px;font-size:.94rem;font-weight:700;background:var(--gray-50);color:var(--gray-800);border:1.5px solid var(--gray-200);text-align:center;text-decoration:none}

/* ── HERO ── */
.hero{padding:68px 0 0;overflow:hidden;position:relative;background:var(--plata)}
.hero-bg{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.hero-shape{position:absolute;right:-100px;top:-80px;width:700px;height:700px;border-radius:50%;background:radial-gradient(ellipse at 60% 40%,rgba(162,212,94,.22) 0%,rgba(56,158,225,.1) 55%,transparent 75%)}
.hinner{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;position:relative;z-index:1}
.hbadge{display:inline-flex;align-items:center;gap:8px;background:var(--azul-l);border:1px solid var(--azul);color:var(--azul-d);font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:6px 14px;border-radius:100px;margin-bottom:20px}
.hdot{width:6px;height:6px;background:var(--azul);border-radius:50%;animation:blink 2s infinite;flex-shrink:0}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.2}}
.htitle{font-size:clamp(2.2rem,4.5vw,3.6rem);font-weight:900;line-height:1.07;letter-spacing:-.04em;margin-bottom:18px}
.htitle .a1{color:var(--azul)}.htitle .a2{color:var(--naranja)}.htitle .a3{color:var(--amarillo-d)}.htitle .a4{color:var(--verde-d)}
.hsub{font-size:1rem;color:var(--gray-600);line-height:1.72;margin-bottom:32px;max-width:500px}
.hctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:40px}
.hstats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--gray-200);border-radius:14px;overflow:hidden;border:1.5px solid var(--gray-200)}
.hstat{background:#fff;padding:16px 12px;text-align:center}
.hstat strong{display:block;font-size:1.4rem;font-weight:900;letter-spacing:-.02em}
.hstat:nth-child(1) strong{color:var(--azul-d)}.hstat:nth-child(2) strong{color:var(--naranja-d)}
.hstat:nth-child(3) strong{color:var(--amarillo-d)}.hstat:nth-child(4) strong{color:var(--verde-d)}
.hstat small{font-size:.7rem;color:var(--gray-400);margin-top:2px;display:block;line-height:1.3}
.hcard{background:#fff;border:1.5px solid var(--gray-100);border-radius:var(--r-lg);padding:26px;box-shadow:var(--sh-sm)}
.hcard-ttl{font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--gray-400);margin-bottom:16px}
.hcgrid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.hcitem{display:flex;align-items:center;gap:10px;padding:11px;border-radius:12px;border:1.5px solid var(--gray-100);cursor:pointer;transition:all .2s;text-decoration:none;color:inherit}
.hcitem:hover{border-color:var(--azul);background:var(--azul-l);transform:translateY(-1px)}
.hcico{width:34px;height:34px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0;background:var(--gray-50)}
.hcit strong{display:block;font-size:.78rem;font-weight:800;color:var(--dark)}
.hcit small{font-size:.65rem;color:var(--gray-400)}
.hstripe{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;height:6px;border-radius:6px;overflow:hidden;margin-top:14px}

/* ── QUICKBAR ── */
.qbar{background:#fff;border-bottom:1px solid var(--gray-100)}
.qbi{display:flex;overflow-x:auto;scrollbar-width:none}
.qbi::-webkit-scrollbar{display:none}
.qi{display:flex;align-items:center;gap:10px;padding:15px 22px;white-space:nowrap;cursor:pointer;border-right:1px solid var(--gray-100);font-size:.84rem;font-weight:700;color:var(--gray-800);transition:all .18s;position:relative;flex-shrink:0;text-decoration:none}
.qi::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;transform:scaleX(0);transition:transform .2s;border-radius:2px 2px 0 0}
.qi:hover{background:var(--gray-50)}.qi:hover::after{transform:scaleX(1)}
.qi.qa .qico{background:var(--azul-l);color:var(--azul-d)}.qi.qa::after{background:var(--azul)}
.qi.qn .qico{background:var(--naranja-l);color:var(--naranja-d)}.qi.qn::after{background:var(--naranja)}
.qi.qam .qico{background:var(--amarillo-l);color:var(--amarillo-d)}.qi.qam::after{background:var(--amarillo)}
.qi.qv .qico{background:var(--verde-l);color:var(--verde-d)}.qi.qv::after{background:var(--verde)}
.qico{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}

/* ══════════════════════════════════════════════════════════════════
   BANNERS SLIDER — ESTILO BANCOLOMBIA
   Imagen izquierda (55%) con placeholder · Texto + fondo color derecha
   Accesos flotantes sobre la imagen (ref. imagen 1 Bancolombia)
   ══════════════════════════════════════════════════════════════════ */
.banners-sec{padding:0;background:#fff;border-bottom:1px solid var(--gray-100)}
.bwrap{position:relative;overflow:hidden}
.bslide{display:none;min-height:420px;align-items:stretch;position:relative}
.bslide.act{display:block;animation:slideIn .4s var(--ease);position:relative}
@keyframes slideIn{from{opacity:0;transform:translateX(14px)}to{opacity:1;transform:none}}

/* Lado imagen */
.bslide-img-wrap{position:relative;overflow:hidden;min-height:340px;background:var(--gray-100)}
.bslide-img{width:100%;height:100%;object-fit:cover;display:block;position:absolute;inset:0}
.bslide-img-ph{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px}
.bslide-img-ph .ph-ico{font-size:3rem;opacity:.45}
.bslide-img-ph .ph-lbl{font-size:.76rem;font-weight:800;color:var(--gray-400);text-transform:uppercase;letter-spacing:.08em;text-align:center;padding:0 24px}
/* Accesos flotantes arriba-derecha (sobre la imagen) */
.bslide-accesos{position:absolute;top:0;right:0;display:flex;flex-direction:column;gap:0;z-index:2;min-width:260px}
.bslide-acceso{display:flex;align-items:center;gap:12px;background:#fff;padding:13px 16px;font-size:.82rem;font-weight:700;color:var(--dark);cursor:pointer;transition:background .18s;border-bottom:1px solid var(--gray-100);text-decoration:none}
.bslide-acceso:first-child{border-radius:0 0 0 12px}
.bslide-acceso:last-child{border-bottom:none}
.bslide-acceso:hover{background:var(--azul-l);color:var(--azul-d)}
.bslide-acceso-ico{width:30px;height:30px;border-radius:7px;background:var(--gray-50);display:flex;align-items:center;justify-content:center;font-size:.88rem;flex-shrink:0}
.bslide-acceso-txt{flex:1;line-height:1.3}
.bslide-acc-arr{font-size:.9rem;color:var(--gray-400)}

/* Lado texto — fondo según color del slide */
.bslide-content{display:flex;flex-direction:column;justify-content:center;padding:60px 10% 60px 6%;position:relative;overflow:hidden;min-height:420px;max-width:55%}
.bslide-img-wrap{position:absolute;inset:0;z-index:0;overflow:hidden}
.bslide-img-wrap::after{content:'';position:absolute;inset:0;background:linear-gradient(to right,rgba(255,255,255,.94) 0%,rgba(255,255,255,.85) 40%,rgba(255,255,255,.3) 70%,rgba(255,255,255,0) 100%)}
.bslide-content{z-index:1}
.bc-azul    .bslide-content{background:none}
.bc-naranja .bslide-content{background:none}
.bc-amarillo .bslide-content{background:none}
.bc-verde   .bslide-content{background:none}
/* Overlay de color tenue cuando no hay imagen */
.bslide-noimag .bslide-content{background:var(--azul-xl)}
.bslide-noimag.bc-naranja .bslide-content{background:var(--naranja-xl)}
.bslide-noimag.bc-amarillo .bslide-content{background:var(--amarillo-xl)}
.bslide-noimag.bc-verde .bslide-content{background:var(--verde-xl)}
/* Forma decorativa de fondo (el símbolo triangular) */
.bslide-deco{position:absolute;right:-40px;bottom:-40px;width:200px;height:200px;opacity:.1;pointer-events:none;background-size:contain;background-repeat:no-repeat;background-position:center}
.bslide-chip{display:inline-flex;font-size:.68rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;padding:4px 12px;border-radius:100px;margin-bottom:14px;width:fit-content}
.bc-azul .bslide-chip{background:var(--azul);color:#fff}
.bc-naranja .bslide-chip{background:var(--naranja);color:#fff}
.bc-amarillo .bslide-chip{background:var(--amarillo-d);color:#fff}
.bc-verde .bslide-chip{background:var(--verde-d);color:#fff}
.bslide-title{font-size:clamp(1.4rem,2.6vw,2.1rem);font-weight:900;line-height:1.12;letter-spacing:-.025em;margin-bottom:12px;color:var(--dark)}
.bslide-sub{font-size:.93rem;color:var(--gray-600);line-height:1.68;margin-bottom:26px;max-width:380px}

/* Nav bar del slider */
.bnav{display:flex;align-items:center;justify-content:space-between;padding:12px 24px;background:var(--gray-50);border-top:1px solid var(--gray-100)}
.bdots{display:flex;gap:8px}
.bdot{width:8px;height:8px;border-radius:50%;background:var(--gray-200);cursor:pointer;transition:all .28s;border:none}
.bdot.act{width:26px;border-radius:4px}
.bdot:nth-child(1).act{background:var(--azul)}.bdot:nth-child(2).act{background:var(--naranja)}
.bdot:nth-child(3).act{background:var(--amarillo-d)}.bdot:nth-child(4).act{background:var(--verde-d)}
.barrs{display:flex;gap:8px}
.barr{width:34px;height:34px;border-radius:50%;border:1.5px solid var(--gray-200);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:all .2s;background:#fff;color:var(--gray-600)}
.barr:hover{border-color:var(--azul);color:var(--azul);background:var(--azul-l)}

/* ── TARJETAS ── */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:#fff;border:1.5px solid var(--gray-100);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:10px;position:relative;overflow:hidden;transition:all .25s var(--ease)}
.card::before{content:'';position:absolute;top:0;left:0;right:0;height:5px;border-radius:var(--r) var(--r) 0 0}
.card-azul::before{background:var(--azul)}.card-naranja::before{background:var(--naranja)}
.card-amarillo::before{background:var(--amarillo)}.card-verde::before{background:var(--verde)}
.card:hover{transform:translateY(-5px)}
.card-azul:hover{box-shadow:0 12px 36px rgba(56,158,225,.2)}
.card-naranja:hover{box-shadow:0 12px 36px rgba(255,158,27,.22)}
.card-amarillo:hover{box-shadow:0 12px 36px rgba(253,215,0,.25)}
.card-verde:hover{box-shadow:0 12px 36px rgba(162,212,94,.25)}
.card-ico{width:46px;height:46px;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:1.2rem}
.card-azul .card-ico{background:var(--azul-l)}.card-naranja .card-ico{background:var(--naranja-l)}
.card-amarillo .card-ico{background:var(--amarillo-l)}.card-verde .card-ico{background:var(--verde-l)}
.card-titulo{font-size:.97rem;font-weight:800;color:var(--dark)}
.card-desc{font-size:.83rem;color:var(--gray-600);line-height:1.55;flex:1}
.card-dato{font-size:.83rem;font-weight:700;padding:8px 12px;border-radius:8px}
.card-azul .card-dato{background:var(--azul-l);color:var(--azul-d)}.card-naranja .card-dato{background:var(--naranja-l);color:var(--naranja-d)}
.card-amarillo .card-dato{background:var(--amarillo-l);color:var(--amarillo-d)}.card-verde .card-dato{background:var(--verde-l);color:var(--verde-d)}
.card-link{font-size:.8rem;font-weight:800}
.card-azul .card-link{color:var(--azul-d)}.card-naranja .card-link{color:var(--naranja-d)}
.card-amarillo .card-link{color:var(--amarillo-d)}.card-verde .card-link{color:var(--verde-d)}

/* ── PAGE HERO — sin negro, colores del manual ── */
.page-hero{padding:56px 0;position:relative;overflow:hidden}
/* page-hero con imagen de fondo + overlay de color con opacidad */
.page-hero.ph-con-foto{background-size:cover;background-position:center;background-repeat:no-repeat}
.page-hero.ph-con-foto::before{content:'';position:absolute;inset:0;z-index:0}
.page-hero.ph-con-foto .page-hero-content{position:relative;z-index:1}
.ph-azul.ph-con-foto::before{background:rgba(226,242,252,.88)}
.ph-naranja.ph-con-foto::before{background:rgba(255,243,216,.88)}
.ph-amarillo.ph-con-foto::before{background:rgba(255,251,224,.88)}
.ph-verde.ph-con-foto::before{background:rgba(240,247,220,.88)}
.ph-azul-dk.ph-con-foto::before{background:rgba(26,111,170,.82)}
.ph-naranja-dk.ph-con-foto::before{background:rgba(196,120,10,.82)}
.ph-azul{background:var(--azul-l)}.ph-naranja{background:var(--naranja-l)}
.ph-amarillo{background:var(--amarillo-l)}.ph-verde{background:var(--verde-l)}
.ph-azul-dk{background:var(--azul)}.ph-naranja-dk{background:var(--naranja)}
.ph-amarillo-dk{background:var(--amarillo)}.ph-verde-dk{background:var(--verde)}
.page-hero-content{position:relative;z-index:1}
.page-hero-chip{display:inline-flex;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:4px 12px;border-radius:100px;margin-bottom:12px}
.ph-azul .page-hero-chip{background:var(--azul);color:#fff}
.ph-azul .page-hero-title{color:var(--azul-dk)}.ph-azul .page-hero-sub{color:var(--azul-d)}
.ph-naranja .page-hero-chip{background:var(--naranja);color:#fff}
.ph-naranja .page-hero-title{color:var(--naranja-dk)}.ph-naranja .page-hero-sub{color:var(--naranja-d)}
.ph-amarillo .page-hero-chip{background:var(--amarillo-d);color:#fff}
.ph-amarillo .page-hero-title{color:var(--amarillo-dk)}.ph-amarillo .page-hero-sub{color:var(--amarillo-d)}
.ph-verde .page-hero-chip{background:var(--verde-d);color:#fff}
.ph-verde .page-hero-title{color:var(--verde-dk)}.ph-verde .page-hero-sub{color:var(--verde-d)}
.ph-azul-dk .page-hero-chip,.ph-naranja-dk .page-hero-chip{background:rgba(255,255,255,.25);color:#fff}
.ph-azul-dk .page-hero-title,.ph-naranja-dk .page-hero-title{color:#fff}
.ph-azul-dk .page-hero-sub,.ph-naranja-dk .page-hero-sub{color:rgba(255,255,255,.84)}
.ph-amarillo-dk .page-hero-chip,.ph-verde-dk .page-hero-chip{background:rgba(0,0,0,.12);color:rgba(0,0,0,.7)}
.ph-amarillo-dk .page-hero-title,.ph-verde-dk .page-hero-title{color:var(--dark)}
.ph-amarillo-dk .page-hero-sub,.ph-verde-dk .page-hero-sub{color:var(--gray-600)}
.page-hero-title{font-size:clamp(1.9rem,4vw,3rem);font-weight:900;margin-bottom:10px;letter-spacing:-.03em}
.page-hero-sub{font-size:1rem;line-height:1.68;max-width:600px}

/* ── TABLA TASAS ── */
.tasas-wrap{background:var(--gray-50);border-radius:var(--r-lg);padding:28px;border:1.5px solid var(--gray-100)}
.tasas-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;flex-wrap:wrap;gap:10px}
.tasas-ttl{font-size:.8rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gray-400)}
.tasas-period{font-size:.78rem;background:var(--azul-l);color:var(--azul-d);padding:4px 10px;border-radius:100px;font-weight:700}
.tasas-table{width:100%;border-collapse:collapse;font-size:.84rem}
.tasas-table th{text-align:left;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--azul);padding:10px 14px}
.tasas-table th:first-child{border-radius:8px 0 0 0}.tasas-table th:last-child{border-radius:0 8px 0 0}
.tasas-table td{padding:9px 14px;border-bottom:1px solid var(--gray-100);color:var(--gray-800)}
.tasas-table tr:last-child td{border-bottom:none}
.tasas-table tr:hover td{background:var(--azul-l)}
.tasa-val{font-weight:800;color:var(--azul-d)}
.tasas-nota{font-size:.78rem;color:var(--gray-600);margin-top:14px;padding:12px 16px;background:#fff;border-radius:10px;border-left:3px solid var(--naranja);line-height:1.6}

/* ── SIMULADOR ── */
.sim-panel{background:#fff;border:1.5px solid var(--gray-100);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-md)}
.sim-stripe{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;height:7px}
.sim-body{padding:32px}
.sim-body h3{font-size:1.2rem;font-weight:900;margin-bottom:6px;color:var(--azul-d)}
.sim-body>p{font-size:.85rem;color:var(--gray-600);margin-bottom:24px;line-height:1.6}
.sim-lbl{display:flex;justify-content:space-between;align-items:center;font-size:.82rem;font-weight:700;margin-bottom:10px}
.sim-val{font-size:1rem;font-weight:900;color:var(--azul)}
.sim-select{width:100%;padding:11px 14px;border:1.5px solid var(--gray-200);border-radius:10px;font-family:var(--font);font-size:.86rem;color:var(--dark);background:#fff;outline:none;cursor:pointer;margin-bottom:20px;font-weight:600}
.sim-select:focus{border-color:var(--azul)}
input[type=range]{width:100%;height:5px;border-radius:5px;-webkit-appearance:none;appearance:none;outline:none;cursor:pointer;background:linear-gradient(to right,var(--azul) var(--pct,50%),var(--gray-200) var(--pct,50%));margin-bottom:20px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--azul);border:3px solid #fff;box-shadow:0 2px 8px rgba(56,158,225,.4);cursor:pointer}
.sim-result{background:linear-gradient(135deg,var(--azul) 0%,var(--azul-d) 100%);border-radius:14px;padding:22px;color:#fff;text-align:center}
.sim-rlbl{font-size:.75rem;font-weight:600;opacity:.82;margin-bottom:6px;text-transform:uppercase;letter-spacing:.08em}
.sim-cuota{font-size:2.3rem;font-weight:900;letter-spacing:-.03em;line-height:1}
.sim-rsub{font-size:.77rem;opacity:.72;margin-top:6px}
.sim-nota{font-size:.73rem;color:var(--gray-400);margin-top:12px;text-align:center;line-height:1.5}

/* ── FAQ ── */
.faq-list{display:flex;flex-direction:column;gap:10px}
.faq-item{border:1.5px solid var(--gray-100);border-radius:var(--r);overflow:hidden;background:#fff}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:17px 20px;cursor:pointer;font-size:.92rem;font-weight:700;color:var(--dark);transition:background .18s;gap:12px}
.faq-q:hover,.faq-q.open{background:var(--azul-l);color:var(--azul-d)}
.faq-arrow{font-size:.78rem;flex-shrink:0;transition:transform .22s;color:var(--azul)}
.faq-q.open .faq-arrow{transform:rotate(180deg)}
.faq-a{display:none;padding:0 20px 16px;font-size:.86rem;color:var(--gray-600);line-height:1.68}
.faq-a.open{display:block}

/* ── PQRSAF — fondo naranja de marca ── */
.pqr-sec{background:var(--naranja)}
.pqr-form{border-radius:var(--r-lg);padding:36px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.22)}
.pf-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin-bottom:13px}
.pf-field{display:flex;flex-direction:column;gap:6px}
.pf-field label{font-size:.8rem;font-weight:700;color:rgba(255,255,255,.85)}
.pf-field input,.pf-field select,.pf-field textarea{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:11px 14px;font-family:var(--font);font-size:.86rem;font-weight:600;color:#fff;outline:none;transition:border .2s;width:100%}
.pf-field input::placeholder,.pf-field textarea::placeholder{color:rgba(255,255,255,.42)}
.pf-field input:focus,.pf-field select:focus,.pf-field textarea:focus{border-color:var(--amarillo)}
.pf-field select option{color:var(--dark);background:#fff}
.pf-field textarea{resize:vertical;min-height:90px}
.pf-full{margin-bottom:13px}
.pf-check{display:flex;align-items:flex-start;gap:9px;margin-bottom:13px}
.pf-check input[type=checkbox]{width:16px;height:16px;flex-shrink:0;margin-top:3px;cursor:pointer;accent-color:var(--amarillo)}
.pf-check label,.pf-check a{font-size:.78rem;color:rgba(255,255,255,.75);line-height:1.5}
.pf-check a{color:var(--amarillo);text-decoration:underline}
.pf-ok{display:none;background:rgba(162,212,94,.18);border:1px solid var(--verde);border-radius:12px;padding:14px;color:var(--verde);font-size:.86rem;font-weight:700;text-align:center;margin-top:12px}

/* ── PASOS ── */
.pasos-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.paso-card{background:#fff;border-radius:var(--r);padding:22px;border:1.5px solid var(--gray-100);box-shadow:var(--sh-sm)}
.paso-num{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:900;color:#fff;margin-bottom:14px;background:var(--azul)}
.d2 .paso-num{background:var(--naranja)}
.d3 .paso-num{background:var(--verde-d)}
.d4 .paso-num{background:var(--amarillo-d)}
.pn-1{background:var(--azul)}.pn-2{background:var(--naranja)}.pn-3{background:var(--amarillo-d)}.pn-4{background:var(--verde-d)}
.paso-ttl{font-size:.92rem;font-weight:800;margin-bottom:6px;color:var(--dark)!important}
.paso-desc{font-size:.79rem;color:var(--gray-600)!important;line-height:1.5}

/* ── TIMELINE ── */
.timeline{display:flex;flex-direction:column;position:relative;padding-left:32px}
.timeline::before{content:'';position:absolute;left:8px;top:6px;bottom:6px;width:2px;background:linear-gradient(to bottom,var(--azul),var(--naranja),var(--amarillo),var(--verde))}
.tl-item{position:relative;padding:0 0 28px 24px}
.tl-dot{position:absolute;left:-24px;top:4px;width:16px;height:16px;border-radius:50%;border:3px solid #fff}
.tl-anio{font-size:.78rem;font-weight:800;letter-spacing:.05em;margin-bottom:4px}
.tl-texto{font-size:.88rem;color:var(--gray-600);line-height:1.6}

/* ── "TAMBIÉN TE PUEDE INTERESAR" — fondo azul de marca ── */
.tambien-sec{background:var(--azul);padding:72px 0;overflow:hidden;position:relative}
.tambien-sec::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 85% 50%,rgba(162,212,94,.12) 0%,transparent 70%);pointer-events:none}
.tambien-inner{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;position:relative;z-index:1}
.tambien-img{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg)}
.tambien-text h2{font-size:clamp(1.6rem,2.8vw,2.2rem);font-weight:900;color:#fff;margin-bottom:16px;line-height:1.2}
.tambien-text p{font-size:.95rem;color:rgba(255,255,255,.88);line-height:1.7;margin-bottom:28px}
.tambien-datos{display:flex;flex-direction:column;gap:12px;margin-top:28px}
.tambien-dato{display:flex;align-items:center;gap:12px;color:rgba(255,255,255,.95);font-size:.9rem}
.tambien-dato-ico{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}

/* ── FOOTER — amarillo de marca (reconocible, no oscuro) ── */
#cs-footer{background:var(--plata);font-family:var(--font)}
.fstripe{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;height:5px;margin-top:0}
.fs1{background:var(--azul)}.fs2{background:var(--naranja)}.fs3{background:var(--amarillo)}.fs4{background:var(--verde)}
.fbody{display:grid;grid-template-columns:1.9fr 1fr 1fr 1fr;gap:44px;padding:56px 0 40px}
.fbrand .flogo-wrap{margin-bottom:14px}
.fdesc{font-size:.82rem;color:var(--gray-600);line-height:1.65;margin-bottom:10px}
.fnit{font-size:.74rem;color:var(--gray-400);margin-bottom:16px}
.fvig{display:inline-flex;align-items:center;gap:6px;font-size:.7rem;font-weight:700;color:var(--azul-d);background:var(--azul-xl);border:1px solid var(--azul-l);padding:5px 12px;border-radius:100px}
.fsoc{display:flex;gap:8px;margin-top:16px}
.fsoc a{width:36px;height:36px;border-radius:9px;border:1px solid var(--gray-200);display:flex;align-items:center;justify-content:center;color:var(--gray-600);font-size:.82rem;font-weight:800;transition:all .2s;text-decoration:none}
.fsoc a:hover{background:var(--naranja);border-color:var(--naranja);color:#fff}
.fcol h5{font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--gray-400);margin-bottom:14px}
.fcol ul{display:flex;flex-direction:column;gap:9px}
.fcol a{font-size:.83rem;color:var(--gray-600);transition:color .18s;text-decoration:none}
.fcol a:hover{color:var(--azul)}
.fbot{border-top:1px solid var(--plata-brd);padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap}
.fcopy{font-size:.76rem;color:var(--gray-400)}
.fleg{display:flex;gap:18px;flex-wrap:wrap}
.fleg a{font-size:.75rem;color:var(--gray-400);transition:color .18s;text-decoration:none}
.fleg a:hover{color:var(--azul)}

/* ═══════════════════════════════════════════════════════════
   FLOAT BUTTONS — orden visual de abajo a arriba:
   1. PSE (círculo con transparencia, logo PSE, igual al original coopsocial.co)
   2. WhatsApp
   3. Volver arriba (aparece al hacer scroll)
   ═══════════════════════════════════════════════════════════ */
.float-btns{position:fixed;bottom:24px;right:24px;display:flex;flex-direction:column-reverse;gap:10px;z-index:900;align-items:flex-end}
.fbtn{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;border:none;font-size:1.1rem;transition:all .22s;text-decoration:none}
/* PSE — color azul marino oficial de PSE/ACH Colombia */
.fpse{
  width:56px!important;height:56px!important;
  border-radius:50%!important;
  background:transparent!important;
  border:none!important;
  padding:0!important;
  display:flex!important;
  align-items:center!important;
  justify-content:center!important;
  box-shadow:0 4px 18px rgba(0,0,0,.3)!important;
  text-decoration:none!important;
  transition:all .22s!important;
  overflow:hidden!important;
}
.fpse:hover{transform:scale(1.1)!important;box-shadow:0 6px 24px rgba(0,0,0,.4)!important}
.fpse-top{font-size:.42rem!important;font-weight:700!important;opacity:.75;letter-spacing:.07em;color:#a8d4ff!important}
.fpse-main{font-size:.95rem!important;font-weight:900!important;letter-spacing:.03em;color:#fdd700!important}
.fwa{background:#25D366;color:#fff;box-shadow:0 4px 20px rgba(37,211,102,.45)}.fwa:hover{transform:scale(1.08)}
.ftop{background:rgba(56,158,225,.75);backdrop-filter:blur(6px);color:#fff;opacity:0;pointer-events:none;transform:translateY(10px)}
.ftop.sh{opacity:1;pointer-events:auto;transform:none}
.ftop:hover{background:var(--azul);transform:translateY(-2px)!important}

/* ── LINKS INTERÉS ── */
.links-sec{padding-bottom:48px}.link-pill{display:flex;align-items:center;gap:8px;background:#fff;border:1.5px solid var(--gray-200);border-radius:100px;padding:10px 18px;font-size:.84rem;font-weight:700;color:var(--gray-800);transition:all .2s;text-decoration:none}
.link-pill:hover{border-color:var(--azul);color:var(--azul);background:var(--azul-l)}

/* ═══ RESPONSIVE ═══════════════════════════════════════════ */
@media(max-width:1024px){
  .hinner{grid-template-columns:1fr;gap:36px}.hright-col{display:none}
  .fbody{grid-template-columns:1fr 1fr;gap:28px}
  .pasos-grid{grid-template-columns:repeat(2,1fr)}
  .bslide.act{grid-template-columns:1fr}.bslide-accesos{display:none}
  .tambien-inner{grid-template-columns:1fr;gap:32px}
}
@media(max-width:768px){
  .section{padding:64px 0}
  .nnav,.nact .btn-nav{display:none}.hamburger{display:flex}
  .hstats{grid-template-columns:repeat(2,1fr)}
  .card-grid{grid-template-columns:1fr}
  .fbody{grid-template-columns:1fr}.fbot{flex-direction:column;text-align:center}
  .sec-header{flex-direction:column;align-items:flex-start}
  .pasos-grid{grid-template-columns:1fr}
  .bslide-content{padding:32px 24px}
  .pf-grid{grid-template-columns:1fr}
  .fpse{font-size:.76rem;padding:10px 15px}
}
@media(max-width:480px){.container{padding:0 18px}.card-grid{grid-template-columns:1fr}}

/* ── Tarjetas Colaboradores (nosotros.html tab 4) ── */
.colab-card{background:#fff;border:1.5px solid var(--gray-100);border-radius:var(--r-lg);padding:24px 16px;text-align:center;transition:all .2s}
.colab-card:hover{border-color:var(--azul-l);box-shadow:var(--sh-md);transform:translateY(-2px)}
.colab-foto{width:80px;height:80px;border-radius:50%;margin:0 auto 14px;object-fit:cover;background:var(--azul-xl);display:flex;align-items:center;justify-content:center;font-size:2rem;border:3px solid var(--gray-100)}
img.colab-foto{display:block}
.colab-nombre{font-size:.9rem;font-weight:800;color:var(--dark);line-height:1.3;margin-bottom:4px}
.colab-cargo{font-size:.78rem;color:var(--gray-500);font-weight:600;line-height:1.4}

/* ═══════════════════════════════════════════════════════════════
   SLIDER ITAÚ — servicios.html (data-pos, 3D perspectiva)
   ═══════════════════════════════════════════════════════════════ */
.bviewport{position:relative;width:100%;overflow:hidden}
.btrack{position:relative;width:100%;height:460px}
/* Override: slides con data-pos son visibles (anula display:none del slider homepage) */
.bslide[data-pos]{
  display:block;
  position:absolute;top:0;left:50%;
  width:60%;height:100%;
  border-radius:22px;overflow:hidden;
  transform:translateX(-50%) scale(.7);
  opacity:0;pointer-events:none;
  transition:transform .55s cubic-bezier(.25,.46,.45,.94),
             opacity   .55s cubic-bezier(.25,.46,.45,.94),
             box-shadow .55s ease,
             filter    .55s ease;
  will-change:transform,opacity;
  filter:brightness(.7)
}
.bslide[data-pos="center"]{transform:translateX(-50%) scale(1);opacity:1;pointer-events:auto;z-index:10;box-shadow:0 20px 56px rgba(0,0,0,.22);filter:brightness(1)}
.bslide[data-pos="right"]{transform:translateX(calc(-50% + 54%)) scale(.82);opacity:1;pointer-events:auto;z-index:5;filter:brightness(.78)}
.bslide[data-pos="left"]{transform:translateX(calc(-50% - 54%)) scale(.82);opacity:1;pointer-events:auto;z-index:5;filter:brightness(.78)}
.bslide[data-pos="far-right"]{transform:translateX(calc(-50% + 88%)) scale(.65);opacity:.45;z-index:2;filter:brightness(.6)}
.bslide[data-pos="far-left"]{transform:translateX(calc(-50% - 88%)) scale(.65);opacity:.45;z-index:2;filter:brightness(.6)}
/* Layout split */
.bslide-split{position:absolute;inset:0;display:grid;grid-template-columns:1fr 1fr;border-radius:inherit;overflow:hidden}
.bs-text{display:flex;flex-direction:column;justify-content:center;padding:44px 48px}
.bs-right{position:relative;overflow:hidden}
.bs-right img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.bslide-imgfull{position:absolute;inset:0}
.bslide-imgfull img{width:100%;height:100%;object-fit:cover;display:block}
.bslide-overlay{position:absolute;inset:0;background:linear-gradient(to left,rgba(0,0,0,.72) 0%,rgba(0,0,0,.4) 55%,rgba(0,0,0,.05) 100%)}
.bslide-imgcontent{position:absolute;inset:0;display:flex;align-items:center;justify-content:flex-end;padding:48px 8%}
.bslide-chip{display:inline-flex;padding:5px 14px;border-radius:100px;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px;width:fit-content}
.bslide-title{font-size:clamp(1.3rem,2.3vw,2rem);font-weight:900;line-height:1.15;margin-bottom:12px}
.bslide-sub{font-size:.9rem;line-height:1.6;margin-bottom:22px;max-width:320px}
.bslide-stats{display:flex;gap:20px;margin-bottom:20px;flex-wrap:wrap}
.bstat-val{font-size:1.35rem;font-weight:900;line-height:1}
.bstat-lbl{font-size:.68rem;font-weight:700;color:var(--gray-500);margin-top:2px}
.barr-prev,.barr-next{position:absolute;top:50%;transform:translateY(-50%);z-index:30;width:44px;height:44px;border-radius:50%;background:#fff;border:1.5px solid #ddd;box-shadow:0 2px 12px rgba(0,0,0,.14);display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:1rem;color:#333;transition:all .2s}
.barr-prev:hover,.barr-next:hover{background:var(--azul);color:#fff;border-color:var(--azul)}
.barr-prev{left:16px}.barr-next{right:16px}
.bnav-itau{display:flex;justify-content:center;margin-top:18px}
.bdot-itau{width:8px;height:8px;border-radius:100px;border:none;background:#ccc;cursor:pointer;padding:0;transition:width .3s,background .3s;display:inline-block}
.bdot-itau.act{width:26px;background:var(--azul)}
@media(max-width:960px){
  .btrack{height:360px}
  .bslide[data-pos]{width:76%}
  .bslide[data-pos="right"]{transform:translateX(calc(-50% + 70%)) scale(.84)}
  .bslide[data-pos="left"]{transform:translateX(calc(-50% - 70%)) scale(.84)}
  .bslide[data-pos="far-right"],.bslide[data-pos="far-left"]{opacity:0}
  .barr-prev{left:6px}.barr-next{right:6px}
  .bs-text{padding:28px 30px}
}
@media(max-width:600px){
  .btrack{height:300px}
  .bslide[data-pos]{width:86%;border-radius:16px}
  .bslide-split{grid-template-columns:1fr}
  .bs-right{display:none}
  .barr-prev,.barr-next{width:36px;height:36px;font-size:.85rem}
}

/* ── Sellos de confianza en footer ── */
.fsellos{display:flex;align-items:center;gap:20px;padding:20px 0 16px;border-top:1px solid rgba(255,255,255,.15);flex-wrap:wrap}
.fsello-img{height:64px;width:auto;object-fit:contain;opacity:.95;transition:opacity .2s;filter:brightness(0) invert(1)}
.fsello-img:hover{opacity:1}

/* ── Botón CEUS solo-logo en navbar ── */
.npqrs-ceus{padding:6px 10px!important;display:flex!important;align-items:center!important;justify-content:center!important;min-width:52px}
.btn-mobile-ceus-logo{display:flex!important;align-items:center!important;justify-content:center!important;padding:10px 14px!important}