:root {
    --primary-dark: #0D2C28;
    --accent-gold: #C68331;
    --accent-gold-hover: #a96c23;
    --bg-light-gray: #F4F6F6;
    --bg-medium-gray: #EAECEC;
    --text-dark: #2C3E50;
    --text-muted: #555555;
    --white: #FFFFFF;
    --font-heading: 'Oswald', sans-serif;
    --font-body: 'Montserrat', sans-serif;
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

body {
    font-family: var(--font-body);
    color: var(--text-dark);
    line-height: 1.5;
    background-color: var(--bg-light-gray);
}

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

.container {
    width: 100%;
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 20px;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background-color: var(--accent-gold);
    color: var(--white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 14px 28px;
    border: none;
    border-radius: 4px;
    text-decoration: none;
    cursor: pointer;
    transition: background 0.3s ease;
}

.btn-primary:hover {
    background-color: var(--accent-gold-hover);
}

/* ==========================================
   1. HERO BANNER (ESPACIO REDUCIDO AL 50%)
========================================== */
.hero-section {
    background: linear-gradient(90deg, rgba(13,44,40,0.95) 0%, rgba(13,44,40,0.85) 50%, rgba(13,44,40,0.4) 100%), 
                url('../images/Hero banner Fianzas de Credito.webp') center/cover no-repeat;
    color: var(--white);
    padding: 30px 0 45px; /* Reducido al 50% de espacio inferior */
}


.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 11.2px;
    font-weight: 300;
    color: #ffffff;
    margin-top: -30px;
    margin-bottom: 35px;
    letter-spacing: 0.3px;
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.8), 0 1px 2px rgba(0, 0, 0, 0.9);
}

.breadcrumb a {
    color: #ffffff;
    text-decoration: none;
    font-weight: 300;
    transition: opacity 0.2s;
}

.breadcrumb a:hover {
    opacity: 0.8;
}

.breadcrumb span.current-page {
    font-weight: 300;
    color: #ffffff;
}

.breadcrumb i {
    font-size: 9px;
    color: #ffffff;
    opacity: 0.7;
}

.hero-content {
    max-width: 700px;
}

.hero-header-icon {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 20px;
}

.hero-header-icon img {
    width: 65px;
    height: 65px;
}

.hero-title {
    font-family: var(--font-heading);
    font-size: 3.5rem;
    line-height: 1.1;
    text-transform: uppercase;
}

.hero-subtitle {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    margin-bottom: 15px;
    font-weight: 500;
}

.hero-text {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 25px;
    line-height: 1.6;
}

.hero-features-bar {
    background-color: var(--primary-dark);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding: 25px 0;
    color: var(--white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
    text-align: center;
}

.feature-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 0 10px;
    border-right: 1px solid rgba(255, 255, 255, 0.15);
}

.feature-item:last-child {
    border-right: none;
}

.feature-item img {
    width: 45px;
    height: 45px;
    margin-bottom: 10px;
}

.feature-item h4 {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    text-transform: uppercase;
    margin-bottom: 4px;
}

.feature-item p {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.8);
}

/* ==========================================
   2. MÁS QUE UNA GARANTÍA
========================================== */
.section-tool {
    padding: 60px 0;
    background-color: var(--white);
}

.tool-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    margin-bottom: 40px;
}

.tool-img img {
    border-radius: 8px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
}

.section-title-large {
    font-family: var(--font-heading);
    font-size: 2.2rem;
    line-height: 1.2;
    text-transform: uppercase;
    color: var(--primary-dark);
    margin-bottom: 15px;
}

.section-title-large span {
    color: var(--accent-gold);
}

.tool-text p {
    margin-bottom: 12px;
    font-size: 0.95rem;
    color: var(--text-muted);
}

.pilars-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.pilar-card {
    background-color: var(--bg-light-gray);
    padding: 22px;
    border-radius: 6px;
    display: flex;
    align-items: center;
    gap: 15px;
}

.pilar-card img {
    width: 48px;
    height: 48px;
    flex-shrink: 0;
}

.pilar-card h4 {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    text-transform: uppercase;
    color: var(--primary-dark);
    margin-bottom: 4px;
}

.pilar-card p {
    font-size: 0.82rem;
    color: var(--text-muted);
}

/* ==========================================
   3. PROCESO PASO A PASO
========================================== */
.section-process {
    padding: 60px 0;
    background-color: var(--bg-light-gray);
    text-align: center;
}

.section-title-center {
    font-family: var(--font-heading);
    font-size: 2rem;
    text-transform: uppercase;
    color: var(--primary-dark);
    margin-bottom: 40px;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    position: relative;
}

.process-steps::before {
    content: "";
    position: absolute;
    top: 40px;
    left: 12%;
    right: 12%;
    height: 2px;
    background-color: #CBD5E1;
    z-index: 1;
}

.step-item {
    position: relative;
    z-index: 2;
    padding: 0 10px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.step-icon-wrapper {
    position: relative;
    width: 80px;
    height: 80px;
    background: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--accent-gold);
    margin-bottom: 25px;
    box-shadow: 0 4px 8px rgba(0,0,0,0.05);
}

.step-icon-wrapper img {
    width: 38px;
    height: 38px;
}

.step-number {
    position: absolute;
    bottom: -12px;
    left: 50%;
    transform: translateX(-50%);
    width: 26px;
    height: 26px;
    background-color: var(--accent-gold);
    color: var(--white);
    border-radius: 50%;
    font-family: var(--font-heading);
    font-size: 0.9rem;
    font-weight: bold;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 2px solid var(--white);
}

.step-item h4 {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    text-transform: uppercase;
    margin-bottom: 6px;
    color: var(--primary-dark);
}

.step-item p {
    font-size: 0.82rem;
    color: var(--text-muted);
    max-width: 220px;
}

/* ==========================================
   4. ¿PARA QUÉ SIRVE UNA FIANZA?
========================================== */
.section-usage {
    padding: 60px 0;
    background-color: var(--white);
}

.usage-wrapper {
    display: grid;
    grid-template-columns: 280px 1fr;
    border-radius: 6px;
    overflow: hidden;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
}

.usage-sidebar {
    background-color: var(--primary-dark);
    color: var(--white);
    padding: 35px 30px;
    display: flex;
    align-items: center;
}

.usage-sidebar h3 {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    line-height: 1.2;
    text-transform: uppercase;
}

.usage-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    background-color: var(--bg-light-gray);
    gap: 1px;
}

.usage-card {
    background-color: var(--white);
    padding: 30px 18px;
    text-align: center;
}

.usage-card img {
    width: 45px;
    height: 45px;
    margin: 0 auto 12px;
}

.usage-card h4 {
    font-family: var(--font-heading);
    font-size: 1rem;
    text-transform: uppercase;
    color: var(--primary-dark);
    margin-bottom: 8px;
}

.usage-card p {
    font-size: 0.8rem;
    color: var(--text-muted);
}

/* ==========================================
   5. TABLA COMPARATIVA (ESTRUCTURA 3 COLUMNAS EN WEB)
========================================== */
.section-comparison {
    padding: 60px 0;
    background-color: #F8F9FA;
}

.comparison-layout {
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: 30px;
    align-items: center;
}

.comparison-title-box h3 {
    font-family: var(--font-heading);
    font-size: 2.2rem;
    text-transform: uppercase;
    color: var(--primary-dark);
    line-height: 1.1;
    margin-bottom: 12px;
}

.title-line {
    width: 45px;
    height: 4px;
    background-color: var(--accent-gold);
}

.comparison-cards-grid {
    display: grid;
    grid-template-columns: 220px 1fr;
    gap: 15px;
    align-items: stretch;
}

/* Columna OTRAS OPCIONES */
.other-options-col {
    background-color: #E2E8F0;
    border-radius: 8px;
    display: flex;
    flex-direction: column;
    overflow: hidden;
}

.other-header {
    background-color: #D1D5DB;
    text-align: center;
    padding: 14px 10px;
    font-family: var(--font-heading);
    font-size: 1.1rem;
    text-transform: uppercase;
    color: #374151;
    letter-spacing: 0.5px;
    min-height: 55px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.other-list {
    display: flex;
    flex-direction: column;
    height: 100%;
}

.other-item-row {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 15px 20px;
    border-bottom: 1px solid #CBD5E1;
    font-size: 0.85rem;
    color: #4B5563;
    background-color: #F1F5F9;
    flex: 1;
    min-height: 58px;
}

.other-item-row:last-child {
    border-bottom: none;
}

.icon-cancel {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    border: 1px solid #CBD5E1;
    color: #9CA3AF;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    flex-shrink: 0;
    background: #FFFFFF;
}

/* Columna GRUPO ENCINO (3 Columnas en Web) */
.encino-col-card {
    background-color: var(--primary-dark);
    color: var(--white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 10px 25px rgba(13, 44, 40, 0.25);
    display: flex;
    flex-direction: column;
}

.encino-header-single {
    text-align: center;
    padding: 14px 10px;
    font-family: var(--font-heading);
    font-size: 1.25rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--white);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    min-height: 55px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.encino-list {
    display: flex;
    flex-direction: column;
    height: 100%;
}

.encino-item-row {
    display: grid;
    grid-template-columns: 1fr 1fr; /* 2 Columnas internas = 3 columnas totales con 'Otras Opciones' */
    gap: 15px;
    padding: 12px 20px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    align-items: center;
    flex: 1;
    min-height: 58px;
}

.encino-item-row:last-child {
    border-bottom: none;
}

.encino-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    font-size: 0.88rem;
    color: var(--white);
}

.icon-check-gold {
    width: 22px;
    height: 22px;
    background-color: var(--accent-gold);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    font-weight: bold;
    flex-shrink: 0;
}

.encino-benefit {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.9);
    background-color: rgba(255, 255, 255, 0.06);
    padding: 8px 12px;
    border-radius: 6px;
    width: 100%;
}

/* ==========================================
   6. SECCIÓN DUAL: FAQS + FORMULARIO
========================================== */
.section-dual-contact {
    padding: 60px 0;
    background-color: var(--bg-medium-gray);
}

.dual-contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}

.faqs-block h3 {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    text-transform: uppercase;
    color: var(--primary-dark);
    margin-bottom: 25px;
}

.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 12px;
    font-family: var(--font-body);
}

.faq-item-dropdown {
    background-color: var(--white);
    border-radius: 6px;
    box-shadow: 0 2px 6px rgba(0,0,0,0.03);
    overflow: hidden;
    border: 1px solid #E2E8F0;
}

.faq-item-dropdown summary {
    padding: 16px 20px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--primary-dark);
    font-weight: 700;
    cursor: pointer;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    user-select: none;
    transition: background-color 0.2s ease;
}

.faq-item-dropdown summary:hover {
    background-color: #F8FAFC;
}

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

.faq-item-dropdown summary::after {
    content: "+";
    font-size: 1.3rem;
    color: var(--accent-gold);
    font-weight: 600;
    line-height: 1;
    transition: transform 0.2s ease;
}

.faq-item-dropdown[open] summary::after {
    content: "−";
}

.faq-item-dropdown[open] summary {
    border-bottom: 1px solid #E2E8F0;
    background-color: #FFFDF9;
}

.faq-answer-content {
    padding: 16px 20px;
    font-family: var(--font-body);
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.6;
    background-color: var(--white);
}

.form-block {
    background-color: var(--primary-dark);
    color: var(--white);
    padding: 35px;
    border-radius: 8px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.1);
}

.form-block h3 {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    text-transform: uppercase;
    margin-bottom: 20px;
}

.form-group-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 12px;
}

.form-control {
    width: 100%;
    padding: 12px 14px;
    border-radius: 4px;
    border: 1px solid #CBD5E1;
    font-family: var(--font-body);
    font-size: 0.85rem;
}

textarea.form-control {
    resize: vertical;
    height: 80px;
    margin-bottom: 12px;
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.8rem;
    margin-bottom: 20px;
    color: rgba(255, 255, 255, 0.9);
}

.form-checkbox input {
    margin-top: 3px;
}

.form-checkbox a {
    color: var(--accent-gold);
    text-decoration: underline;
}

/* ==========================================
   RESPONSIVE (CORRECCIÓN DE ALINEACIÓN MÓVIL)
========================================== */
@media (max-width: 1024px) {
    .comparison-layout, .comparison-cards-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 992px) {
    .tool-grid, 
    .dual-contact-grid, 
    .usage-wrapper {
        grid-template-columns: 1fr;
    }

    .pilars-grid,
    .features-grid,
    .usage-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .process-steps {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }

    .process-steps::before {
        display: none;
    }

    .feature-item {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.1);
        padding-bottom: 15px;
    }
}

/* AJUSTE RESPONSIVE MÓVIL: ALINEACIÓN VERTICAL PERFECTA DE LOS CHECKS */
@media (max-width: 768px) {
    .encino-item-row {
        grid-template-columns: 1fr; /* Apila las 2 columnas internas en 1 en pantalla chica */
        gap: 8px;
        padding: 12px;
    }

    .encino-feature {
        padding-left: 12px; /* Alineación exacta con la caja del beneficio */
    }

    .encino-benefit {
        padding: 8px 12px; /* Unifica margen para que los íconos '✓' queden alineados verticalmente */
    }
}

@media (max-width: 576px) {
    .hero-title {
        font-size: 2.3rem;
    }

    .features-grid,
    .pilars-grid,
    .process-steps, 
    .usage-grid, 
    .form-group-row {
        grid-template-columns: 1fr;
    }
}