/* ==========================================
       VARIABLES Y RESET
       ========================================== */
    :root {
      --color-primary-dark: #0B251E;
      --color-primary: #123B31;
      --color-accent: #C3802B;
      --color-accent-hover: #A96B21;
      --color-bg-light: #F8F7F4;
      --color-bg-card: #F2EFEE;
      --color-text-dark: #222222;
      --color-text-muted: #666666;
      --color-border: #E0DDD7;
      --color-white: #FFFFFF;
      
      --font-title: 'Oswald', sans-serif;
      --font-body: 'Montserrat', sans-serif;
    }

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

    body {
      font-family: var(--font-body);
      color: var(--color-text-dark);
      background-color: #FFFFFF;
      line-height: 1.5;
    }

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

    .container {
      max-width: 1140px;
      margin: 0 auto;
      padding: 0 20px;
    }

    h1, h2, h3, h4, h5, h6 {
      font-family: var(--font-title);
      text-transform: uppercase;
      letter-spacing: 0.5px;
    }

    /* ==========================================
       HERO BANNER
       ========================================== */
    .hero-banner {
      position: relative;
      background-color: var(--color-primary-dark);
      background-image: url('../images/Hero banner Fideicomiso de Garantia_.webp');
      background-size: cover;
      background-position: center;
      color: var(--color-white);
      padding: 50px 0 70px 0;
    }

    .breadcrumb {
      font-size: 0.85rem;
      color: #A0B2AC;
      margin-bottom: 25px;
    }

    .breadcrumb a {
      color: #A0B2AC;
      text-decoration: none;
    }

    .hero-content {
      max-width: 600px;
    }

    /* Estructura con icono al lado del título */
    .hero-header-wrapper {
      display: flex;
      align-items: center;
      gap: 20px;
      margin-bottom: 20px;
    }

    .hero-title-icon {
      width: 75px;
      height: 75px;
      flex-shrink: 0;
      object-fit: contain;
    }

    .hero-title {
      font-size: 3.2rem;
      line-height: 1.05;
      font-weight: 700;
      margin-bottom: 0;
    }

    .hero-title span {
      color: var(--color-accent);
      display: block;
    }

    .hero-subtitle {
      font-size: 1.15rem;
      font-weight: 600;
      margin-bottom: 15px;
      color: var(--color-white);
    }

    .hero-description {
      font-size: 0.9rem;
      color: #D0DDD8;
      margin-bottom: 30px;
      line-height: 1.5;
    }

    .btn-primary {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      background-color: var(--color-accent);
      color: var(--color-white);
      padding: 12px 26px;
      font-family: var(--font-title);
      font-size: 0.95rem;
      font-weight: 600;
      text-transform: uppercase;
      text-decoration: none;
      border-radius: 4px;
      border: none;
      cursor: pointer;
      transition: background-color 0.3s ease;
    }

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

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

    .features-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 20px;
      text-align: center;
    }

    .feature-item {
      padding: 0 15px;
      border-right: 1px solid rgba(255, 255, 255, 0.15);
    }

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

    .feature-icon {
      width: 42px;
      height: 42px;
      margin: 0 auto 10px auto;
      object-fit: contain;
    }

    .feature-title {
      font-size: 1.05rem;
      margin-bottom: 6px;
      color: var(--color-white);
    }

    .feature-desc {
      font-size: 0.8rem;
      color: #A0B2AC;
      line-height: 1.35;
    }

    /* ==========================================
       SECCIÓN: HERRAMIENTA FINANCIERA Y TARJETAS
       ========================================== */
    .section-about {
      padding: 70px 0;
      background-color: var(--color-white);
    }

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

    .about-img {
      border-radius: 6px;
    }

    .about-content h2 {
      font-size: 2rem;
      color: var(--color-primary-dark);
      line-height: 1.2;
      margin-bottom: 18px;
    }

    .about-content p {
      font-size: 0.9rem;
      color: var(--color-text-muted);
      margin-bottom: 12px;
    }

    /* Tarjetas de Beneficios */
    .benefits-cards {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
    }

    .benefit-card {
      background-color: var(--color-bg-light);
      padding: 25px 20px;
      border-radius: 6px;
      display: flex;
      align-items: center;
      gap: 20px;
      border: 1px solid var(--color-border);
    }

    .benefit-card-icon {
      flex-shrink: 0;
      width: 90px;
      height: 90px;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .benefit-card-icon img {
      width: 100%;
      height: 100%;
      object-fit: contain;
    }

    .benefit-card-text {
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .benefit-card-text h4 {
      font-size: 1.05rem;
      color: var(--color-primary-dark);
      margin-bottom: 6px;
      line-height: 1.2;
    }

    .benefit-card-text p {
      font-size: 0.82rem;
      color: var(--color-text-muted);
      line-height: 1.35;
    }

    /* ==========================================
       SECCIÓN: ¿CÓMO FUNCIONA?
       ========================================== */
    .section-how-it-works {
      padding: 60px 0;
      background-color: #FAF9F6;
      text-align: center;
    }

    .section-title {
      font-size: 2rem;
      color: var(--color-primary-dark);
      margin-bottom: 45px;
    }

    .steps-container {
      display: flex;
      justify-content: space-between;
      align-items: flex-start;
      position: relative;
      max-width: 1000px;
      margin: 0 auto;
    }

    .step-item {
      position: relative;
      z-index: 2;
      flex: 1;
      display: flex;
      flex-direction: column;
      align-items: center;
    }

    .step-icon-wrapper {
      position: relative;
      width: 75px;
      height: 75px;
      margin-bottom: 12px;
      background-color: #FAF9F6;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .step-icon-wrapper img {
      width: 100%;
      height: 100%;
      object-fit: contain;
    }

    .step-number {
      position: absolute;
      bottom: -4px;
      background-color: var(--color-primary-dark);
      color: var(--color-white);
      font-size: 0.75rem;
      font-weight: 700;
      width: 20px;
      height: 20px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .step-title {
      font-size: 0.95rem;
      color: var(--color-primary-dark);
      margin-bottom: 6px;
    }

    .step-desc {
      font-size: 0.78rem;
      color: var(--color-text-muted);
      max-width: 180px;
      line-height: 1.3;
    }

    .step-connector {
      flex: 1;
      position: relative;
      height: 2px;
      background-color: var(--color-accent);
      top: 37px;
      z-index: 1;
      margin: 0 -15px;
    }

    .step-connector::after {
      content: '';
      position: absolute;
      top: 50%;
      left: 50%;
      transform: translate(-50%, -50%);
      width: 8px;
      height: 8px;
      background-color: var(--color-accent);
      border-radius: 50%;
    }

    /* ==========================================
       SECCIÓN: ¿PARA QUÉ SIRVE?
       ========================================== */
    .section-use-cases {
      padding: 60px 0;
      background-color: var(--color-bg-card);
    }

    .use-cases-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 15px;
    }

    .use-case-card {
      text-align: center;
      padding: 20px 15px;
      border-right: 1px solid var(--color-border);
    }

    .use-case-card:last-child {
      border-right: none;
    }

    .use-case-icon {
      width: 48px;
      height: 48px;
      margin: 0 auto 12px auto;
    }

    .use-case-title {
      font-size: 1rem;
      color: var(--color-primary-dark);
      margin-bottom: 8px;
    }

    .use-case-desc {
      font-size: 0.8rem;
      color: var(--color-text-muted);
      line-height: 1.35;
    }

    /* ==========================================
       SECCIÓN: ¿POR QUÉ ELEGIR GRUPO ENCINO?
       ========================================== */
    .section-comparison {
      padding: 70px 0;
      background-color: var(--color-white);
    }

    .comparison-grid-layout {
      display: grid;
      grid-template-columns: 260px 1fr;
      gap: 30px;
      align-items: center;
    }

    .comparison-title-side h2 {
      font-size: 2.2rem;
      color: var(--color-primary-dark);
      line-height: 1.15;
      margin-bottom: 15px;
    }

    .comparison-title-side .decorative-line {
      width: 50px;
      height: 3px;
      background-color: var(--color-accent);
    }

    /* Contenedor principal de la tabla */
    .comparison-table-wrapper {
      display: grid;
      grid-template-columns: 1fr 2fr; /* 1 parte para Otras Opciones, 2 partes para Grupo Encino */
      align-items: center;
      background-color: #FAFAFA;
      border-radius: 12px;
      border: 1px solid var(--color-border);
      position: relative;
    }

    .comp-col-box {
      padding: 20px 18px;
    }

    /* Columna OTRAS OPCIONES */
    .comp-col-other {
      background-color: #EFEFEF;
      border-top-left-radius: 12px;
      border-bottom-left-radius: 12px;
    }

    .comp-col-header {
      font-family: var(--font-title);
      font-size: 1.05rem;
      text-transform: uppercase;
      text-align: center;
      padding-bottom: 12px;
      margin-bottom: 15px;
      border-bottom: 1px solid rgba(0,0,0,0.08);
      color: #333333;
    }

    .comp-col-list {
      list-style: none;
    }

    .comp-col-list li {
      font-size: 0.82rem;
      margin-bottom: 14px;
      display: flex;
      align-items: center;
      gap: 10px;
      min-height: 24px;
    }

    .comp-col-list li:last-child {
      margin-bottom: 0;
    }

    .comp-col-other li {
      color: #555555;
    }

    .comp-col-other li i {
      color: #B22222;
      font-size: 0.95rem;
    }

    /* GRUPO ENCINO (Sobresaliente y abarcando ambas sub-columnas) */
    .comp-col-encino-wrapper {
      background-color: var(--color-primary-dark);
      color: var(--color-white);
      border-radius: 12px;
      box-shadow: 0 8px 25px rgba(0, 0, 0, 0.25);
      margin: -15px 0; /* Eleva visualmente el contenedor */
      padding: 25px 20px;
      position: relative;
      z-index: 5;
    }

    /* Encabezado GRUPO ENCINO centrado abarcando las 2 subcolumnas */
    .comp-col-encino-header {
      font-family: var(--font-title);
      font-size: 1.25rem;
      text-transform: uppercase;
      text-align: center; /* Centrado en las columnas 2 y 3 */
      padding-bottom: 12px;
      margin-bottom: 18px;
      border-bottom: 1px solid rgba(255,255,255,0.15);
      color: var(--color-white);
      letter-spacing: 1px;
    }

    /* Grid interno para dividir las dos columnas de beneficios */
    .encino-columns-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 20px;
    }

    .comp-col-encino-wrapper li {
      color: #FFFFFF;
      font-weight: 500;
      font-size: 0.82rem;
    }

    .comp-col-encino-wrapper li i {
      color: var(--color-accent);
      font-size: 1rem;
    }

    /* ==========================================
       SECCIÓN: FAQ Y FORMULARIO
       ========================================== */
    .section-faq-form {
      padding: 70px 0;
      background-color: #FAF9F6;
    }

    .faq-form-grid {
      display: grid;
      grid-template-columns: 1.1fr 1fr;
      gap: 40px;
    }

    .faq-container h2 {
      font-size: 1.8rem;
      color: var(--color-primary-dark);
      margin-bottom: 20px;
    }

    .faq-accordion details {
      background-color: #F3F1ED;
      border-radius: 4px;
      margin-bottom: 10px;
      overflow: hidden;
    }

    .faq-accordion summary {
      padding: 14px 18px;
      font-weight: 600;
      font-size: 0.88rem;
      color: var(--color-primary-dark);
      cursor: pointer;
      list-style: none;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

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

    .faq-accordion summary::after {
      content: '\f067';
      font-family: 'Font Awesome 6 Free';
      font-weight: 900;
      font-size: 0.8rem;
      color: var(--color-primary-dark);
    }

    .faq-accordion details[open] summary::after {
      content: '\f068';
    }

    .faq-accordion .faq-answer {
      padding: 0 18px 16px 18px;
      font-size: 0.82rem;
      color: var(--color-text-muted);
      line-height: 1.5;
    }

    .faq-accordion .faq-answer p {
      margin-bottom: 8px;
    }

    .faq-accordion .faq-answer p:last-child {
      margin-bottom: 0;
    }

    /* Formulario */
    .form-card {
      background-color: var(--color-primary-dark);
      padding: 30px 25px;
      border-radius: 6px;
      color: var(--color-white);
    }

    .form-card h3 {
      font-size: 1.4rem;
      margin-bottom: 18px;
    }

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

    .form-group {
      display: flex;
      flex-direction: column;
    }

    .form-group.full-width {
      grid-column: span 2;
    }

    .form-control {
      background-color: var(--color-white);
      border: none;
      padding: 10px 14px;
      border-radius: 4px;
      font-family: var(--font-body);
      font-size: 0.82rem;
      outline: none;
    }

    textarea.form-control {
      resize: vertical;
      height: 75px;
    }

    .form-checkbox {
      display: flex;
      align-items: center;
      gap: 8px;
      font-size: 0.75rem;
      color: #A0B2AC;
      margin-bottom: 18px;
    }

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

    .btn-submit {
      width: 100%;
      justify-content: center;
    }

    .form-footer-note {
      text-align: center;
      font-size: 0.7rem;
      color: #A0B2AC;
      margin-top: 12px;
    }

    /* RESPONSIVE */
    @media (max-width: 992px) {
      .features-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
      .feature-item { border-right: none; }
      .about-grid { grid-template-columns: 1fr; }
      .benefits-cards { grid-template-columns: 1fr; }
      .use-cases-grid { grid-template-columns: repeat(2, 1fr); }
      .comparison-grid-layout { grid-template-columns: 1fr; }
      .comparison-table-wrapper { grid-template-columns: 1fr; }
      .comp-col-encino-wrapper { margin: 0; }
      .encino-columns-grid { grid-template-columns: 1fr; }
      .faq-form-grid { grid-template-columns: 1fr; }
      .steps-container { flex-direction: column; gap: 20px; align-items: center; }
      .step-connector { display: none; }
      .hero-header-wrapper { flex-direction: column; align-items: flex-start; gap: 10px; }
    }