/* Guía Banca LATAM — portal informativo independiente */
:root {
  --ink: #142428;
  --ink-soft: #3a4f55;
  --teal: #0b4f5c;
  --teal-deep: #083a44;
  --teal-mid: #167a8c;
  --sand: #f2e8d5;
  --sand-soft: #f7f1e6;
  --amber: #e8a838;
  --amber-dark: #c48820;
  --line: rgba(20, 36, 40, 0.12);
  --white: #fffdf9;
  --danger: #9b2c2c;
  --radius: 4px;
  --max: 1120px;
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Figtree", "Segoe UI", sans-serif;
  --shadow-soft: 0 18px 40px rgba(8, 58, 68, 0.08);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background:
    radial-gradient(ellipse 80% 50% at 10% -10%, rgba(22, 122, 140, 0.12), transparent 55%),
    radial-gradient(ellipse 60% 40% at 100% 0%, rgba(232, 168, 56, 0.1), transparent 50%),
    linear-gradient(180deg, var(--sand-soft) 0%, var(--white) 28%, #eef4f3 100%);
  line-height: 1.65;
  min-height: 100vh;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: var(--teal-mid);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--teal-deep);
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--teal);
  color: white;
  padding: 0.75rem 1rem;
  z-index: 1000;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

/* ——— Disclaimer bar ——— */
.disclaimer-bar {
  background: var(--teal-deep);
  color: var(--sand);
  font-size: 0.85rem;
  line-height: 1.45;
  text-align: center;
  padding: 0.7rem 1.25rem;
  border-bottom: 2px solid var(--amber);
}

.disclaimer-bar strong {
  color: var(--amber);
  font-weight: 700;
}

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(12px);
  background: rgba(255, 253, 249, 0.92);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0.85rem 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--ink);
  flex-shrink: 0;
}

.brand img {
  width: 42px;
  height: 42px;
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}

.brand-tag {
  font-size: 0.72rem;
  color: var(--ink-soft);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.nav-toggle {
  display: none;
  background: var(--teal);
  color: white;
  border: 0;
  padding: 0.55rem 0.85rem;
  border-radius: var(--radius);
  font-family: inherit;
  font-weight: 600;
  cursor: pointer;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 1rem;
}

.site-nav a {
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 560;
  padding: 0.25rem 0;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--teal);
  border-bottom-color: var(--amber);
}

.site-nav .nav-cta {
  background: var(--teal);
  color: white !important;
  padding: 0.45rem 0.9rem;
  border-radius: var(--radius);
  border-bottom: 0 !important;
}

.site-nav .nav-cta:hover {
  background: var(--teal-deep);
}

/* ——— Layout ——— */
main {
  min-height: 60vh;
}

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section {
  padding: 4rem 0;
}

.section-tight {
  padding: 2.5rem 0;
}

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-mid);
  margin-bottom: 0.75rem;
}

h1,
h2,
h3 {
  font-family: var(--font-display);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--ink);
}

h1 {
  font-size: clamp(2.1rem, 4.5vw, 3.35rem);
  margin: 0 0 1rem;
  font-weight: 700;
}

h2 {
  font-size: clamp(1.55rem, 3vw, 2.15rem);
  margin: 0 0 0.85rem;
}

h3 {
  font-size: 1.25rem;
  margin: 0 0 0.5rem;
}

.lead {
  font-size: 1.15rem;
  color: var(--ink-soft);
  max-width: 38rem;
  margin: 0 0 1.5rem;
}

.muted {
  color: var(--ink-soft);
}

/* ——— Hero ——— */
.hero {
  position: relative;
  min-height: min(88vh, 720px);
  display: grid;
  align-items: end;
  overflow: hidden;
  color: var(--sand);
  background:
    linear-gradient(105deg, rgba(8, 58, 68, 0.92) 0%, rgba(11, 79, 92, 0.78) 48%, rgba(8, 58, 68, 0.55) 100%),
    url("../assets/hero-pattern.svg") center / cover no-repeat,
    linear-gradient(160deg, #0b4f5c, #167a8c 55%, #0b4f5c);
}

.hero-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 5.5rem 1.25rem 4rem;
  width: 100%;
  animation: rise 0.9s ease both;
}

.hero h1 {
  color: var(--white);
  max-width: 14ch;
}

.hero .lead {
  color: rgba(242, 232, 213, 0.92);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.5rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.8rem 1.25rem;
  border-radius: var(--radius);
  font-family: inherit;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.2s, background 0.2s, color 0.2s, border-color 0.2s;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--amber);
  color: var(--ink);
}

.btn-primary:hover {
  background: var(--amber-dark);
  color: var(--ink);
}

.btn-ghost {
  background: transparent;
  color: var(--sand);
  border-color: rgba(242, 232, 213, 0.45);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.08);
  color: white;
}

.btn-outline {
  background: transparent;
  color: var(--teal);
  border-color: var(--teal);
}

.btn-outline:hover {
  background: var(--teal);
  color: white;
}

/* ——— Content blocks ——— */
.panel {
  background: rgba(255, 253, 249, 0.85);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.5rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2.5rem;
  align-items: start;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.feature-list {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 0;
}

.feature-list li {
  position: relative;
  padding: 0.85rem 0 0.85rem 1.6rem;
  border-bottom: 1px solid var(--line);
}

.feature-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 1.2rem;
  width: 0.65rem;
  height: 0.65rem;
  border-radius: 2px;
  background: var(--amber);
}

.split-band {
  background: var(--teal);
  color: var(--sand);
  padding: 3.5rem 0;
  margin: 1rem 0;
}

.split-band h2,
.split-band h3 {
  color: var(--white);
}

.split-band .muted,
.split-band p {
  color: rgba(242, 232, 213, 0.9);
}

/* ——— Compliance callout ——— */
.compliance-box {
  border-left: 4px solid var(--amber);
  background: rgba(11, 79, 92, 0.06);
  padding: 1.25rem 1.4rem;
  margin: 1.5rem 0;
}

.compliance-box h3 {
  margin-top: 0;
}

.checklist {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
  display: grid;
  gap: 0.55rem;
}

.checklist li {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  font-size: 0.95rem;
}

.checklist li::before {
  content: "✓";
  color: var(--teal);
  font-weight: 800;
  flex-shrink: 0;
}

/* ——— Banks guide / comparator ——— */
.bank-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow-soft);
}

table.bank-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  min-width: 640px;
}

.bank-table th,
.bank-table td {
  padding: 0.9rem 1rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

.bank-table th {
  background: var(--teal);
  color: white;
  font-weight: 650;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.bank-table tr:last-child td {
  border-bottom: 0;
}

.bank-table tbody tr {
  transition: background 0.2s;
}

.bank-table tbody tr:hover {
  background: rgba(22, 122, 140, 0.05);
}

.tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.2rem 0.5rem;
  border-radius: 3px;
  background: rgba(232, 168, 56, 0.2);
  color: var(--ink);
}

.filters {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 1.25rem;
}

.filters select,
.filters input,
.form-field input,
.form-field textarea,
.form-field select {
  font: inherit;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  color: var(--ink);
  min-width: 160px;
}

.filters select:focus,
.form-field input:focus,
.form-field textarea:focus {
  outline: 2px solid var(--teal-mid);
  outline-offset: 1px;
}

/* ——— Blog ——— */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
}

.blog-item {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  color: inherit;
  transition: transform 0.25s;
}

.blog-item:hover {
  transform: translateY(-3px);
}

.blog-item time {
  font-size: 0.8rem;
  color: var(--ink-soft);
}

.blog-item h3 {
  color: var(--teal-deep);
}

.article-body {
  max-width: 720px;
}

.article-body p,
.article-body li {
  font-size: 1.05rem;
}

.article-body h2 {
  margin-top: 2rem;
}

/* ——— Forms ——— */
.form {
  display: grid;
  gap: 1rem;
  max-width: 560px;
}

.form-field {
  display: grid;
  gap: 0.35rem;
}

.form-field label {
  font-weight: 650;
  font-size: 0.9rem;
}

.form-note {
  font-size: 0.85rem;
  color: var(--ink-soft);
  background: rgba(155, 44, 44, 0.06);
  border: 1px solid rgba(155, 44, 44, 0.2);
  padding: 0.85rem 1rem;
  border-radius: var(--radius);
}

.form-note strong {
  color: var(--danger);
}

.form-success {
  display: none;
  padding: 1rem;
  background: rgba(11, 79, 92, 0.1);
  border: 1px solid var(--teal);
  border-radius: var(--radius);
}

.form-success.is-visible {
  display: block;
}

/* ——— Page hero (inner) ——— */
.page-hero {
  padding: 3.5rem 0 2rem;
  border-bottom: 1px solid var(--line);
  animation: rise 0.7s ease both;
}

.page-hero .lead {
  margin-bottom: 0;
}

.breadcrumbs {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin-bottom: 1rem;
}

.breadcrumbs a {
  color: var(--ink-soft);
  text-decoration: none;
}

.breadcrumbs a:hover {
  color: var(--teal);
}

/* ——— Footer ——— */
.site-footer {
  background: var(--teal-deep);
  color: rgba(242, 232, 213, 0.88);
  margin-top: 3rem;
  padding: 3rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}

.site-footer h3 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 0.85rem;
}

.site-footer a {
  color: rgba(242, 232, 213, 0.88);
  text-decoration: none;
  display: block;
  padding: 0.25rem 0;
  font-size: 0.92rem;
}

.site-footer a:hover {
  color: var(--amber);
}

.footer-disclaimer {
  border-top: 1px solid rgba(242, 232, 213, 0.2);
  padding-top: 1.25rem;
  font-size: 0.88rem;
  line-height: 1.5;
}

.footer-disclaimer strong {
  color: var(--amber);
}

.footer-meta {
  margin-top: 1rem;
  font-size: 0.8rem;
  opacity: 0.75;
}

/* ——— Animations ——— */
@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ——— Legal prose ——— */
.legal {
  max-width: 780px;
}

.legal h2 {
  margin-top: 2.25rem;
  font-size: 1.35rem;
}

.legal ul {
  padding-left: 1.2rem;
}

.appeal-box {
  background: white;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.5rem;
  box-shadow: var(--shadow-soft);
  white-space: pre-wrap;
  font-size: 0.92rem;
  line-height: 1.6;
  max-height: 420px;
  overflow: auto;
}

/* ——— Responsive ——— */
@media (max-width: 900px) {
  .grid-2,
  .grid-3,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .nav-toggle {
    display: inline-flex;
  }

  .site-nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 1.25rem 1.25rem;
    gap: 0.5rem;
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-header {
    position: relative;
  }

  .site-header.is-nav-open {
    position: sticky;
  }

  .hero {
    min-height: auto;
  }

  .hero-inner {
    padding-top: 4rem;
  }
}