/* firstby.lat v2 — landing de la tarjeta FIRST (FIRST BY S.A.S.) */
:root{
  --red:#E6020D; --red-d:#B8040F; --red-dd:#7a0209; --red-50:#FFF2F3; --red-100:#FFE1E3;
  --ink:#0A0A0D; --ink-2:#15151B; --txt:#15151C; --mut:#5E5E6C; --mut-2:#8A8A98;
  --line:#ECECF1; --bg:#FFFFFF; --soft:#F6F6F8; --ok:#0E9F6E;
  --f:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --fd:"Poppins",system-ui,-apple-system,"Segoe UI",sans-serif;
  --sh:0 1px 2px rgba(10,10,13,.04),0 10px 30px -10px rgba(10,10,13,.12);
  --sh-l:0 40px 80px -30px rgba(10,10,13,.30),0 18px 36px -18px rgba(10,10,13,.18);
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 var(--f);color:var(--txt);background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{font-family:var(--fd);letter-spacing:-.03em;line-height:1.06;margin:0;color:var(--ink);font-weight:700}
p{margin:0}
.wrap{width:100%;max-width:1200px;margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:100;background:#fff;padding:8px 14px;border-radius:8px}
:focus-visible{outline:3px solid rgba(230,2,13,.35);outline-offset:3px;border-radius:8px}
.red{color:var(--red)}

/* botones */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 15px/1 var(--f);text-decoration:none;border-radius:999px;padding:14px 22px;border:1.5px solid transparent;cursor:pointer;white-space:nowrap;transition:transform .2s var(--ease),background .2s,box-shadow .2s,border-color .2s,color .2s}
.btn svg{transition:transform .2s var(--ease)}
.btn:hover svg{transform:translateX(3px)}
.btn--red{background:var(--red);color:#fff;box-shadow:0 12px 28px -10px rgba(230,2,13,.7),inset 0 1px 0 rgba(255,255,255,.18)}
.btn--red:hover{background:var(--red-d);transform:translateY(-1px)}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:#26262e}
.btn--ghost{background:transparent;color:var(--ink);border-color:#d9d9e1}
.btn--ghost:hover{border-color:var(--ink)}
.btn--white{background:#fff;color:var(--red)}
.btn--white:hover{transform:translateY(-1px)}
.btn--xl{padding:19px 30px;font-size:17px}
.btn--sm{padding:10px 16px;font-size:14px}

/* cabecera mínima */
.nav{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .25s,box-shadow .25s}
.nav.is-on{background:rgba(255,255,255,.82);backdrop-filter:saturate(180%) blur(16px);-webkit-backdrop-filter:saturate(180%) blur(16px);box-shadow:0 1px 0 var(--line)}
.nav__in{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:28px;width:auto}
.brand__txt{font:800 26px/1 var(--fd);letter-spacing:-.04em;color:var(--red)}
.nav__end{display:flex;align-items:center;gap:8px}
.nav__login{font-size:15px;font-weight:600;text-decoration:none;padding:10px 14px;border-radius:999px;color:var(--ink)}
.nav__login:hover{background:var(--soft)}

/* hero */
.hero{position:relative;padding:136px 0 40px;overflow:hidden;isolation:isolate}
.hero__glow{position:absolute;z-index:-1;right:-12%;top:-10%;width:900px;height:900px;border-radius:50%;background:radial-gradient(closest-side,rgba(230,2,13,.16),rgba(230,2,13,.05) 55%,transparent 72%);animation:breathe 9s ease-in-out infinite}
.hero__grid{position:absolute;z-index:-2;inset:0;background-image:linear-gradient(#eeeef3 1px,transparent 1px),linear-gradient(90deg,#eeeef3 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 60% 60% at 70% 40%,#000 0,transparent 75%);-webkit-mask-image:radial-gradient(ellipse 60% 60% at 70% 40%,#000 0,transparent 75%)}
@keyframes breathe{0%,100%{transform:scale(1)}50%{transform:scale(1.07)}}
.hero__in{display:grid;grid-template-columns:1.08fr .92fr;gap:40px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;border-radius:999px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh);font-size:13.5px;font-weight:600;color:var(--ink)}
.pill b{background:var(--red);color:#fff;border-radius:999px;padding:4px 10px;font-size:12px;letter-spacing:.02em}
.hero h1{font-size:clamp(40px,6vw,80px);margin:26px 0 26px}
.hero h1 .line{display:block;overflow:hidden;padding-bottom:.06em}
.hero h1 .line>span{display:inline-block;transform:translateY(105%);animation:rise .9s var(--ease) forwards}
.hero h1 .line:nth-child(2)>span{animation-delay:.12s}
.hero h1 .line:nth-child(3)>span{animation-delay:.24s}
@keyframes rise{to{transform:none}}
.hero__lead{font-size:clamp(17px,1.7vw,20px);color:var(--mut);max-width:560px;opacity:0;animation:fade .8s .45s var(--ease) forwards}
.hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px;opacity:0;animation:fade .8s .6s var(--ease) forwards}
.hero__micro{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:22px;font-size:14px;color:var(--mut);opacity:0;animation:fade .8s .75s var(--ease) forwards}
.hero__micro span{display:inline-flex;align-items:center;gap:7px}
.hero__micro svg{color:var(--ok)}
@keyframes fade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

.art{position:relative;height:560px}
.toast{position:absolute;display:flex;align-items:center;gap:12px;padding:12px 16px 12px 12px;border-radius:16px;background:rgba(255,255,255,.86);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.9);box-shadow:var(--sh-l);font-size:13px;color:var(--mut);opacity:0;animation:pop .7s var(--ease) forwards}
.toast b{display:block;color:var(--ink);font-size:14px;font-weight:600}
.toast__ic{flex:none;width:38px;height:38px;border-radius:11px;display:grid;place-items:center;color:#fff}
.toast__ic--ok{background:var(--ok)}
.toast__ic--red{background:var(--red)}
.toast__ic--ink{background:var(--ink)}
.toast--1{left:-6%;top:2%;animation-delay:1s}
.toast--2{right:-6%;top:70%;animation-delay:1.35s}
.toast--3{left:-4%;bottom:-2%;animation-delay:1.7s}
.toast--1 .toast__in,.toast--2 .toast__in,.toast--3 .toast__in{display:contents}
@keyframes pop{from{opacity:0;transform:translateY(14px) scale(.96)}to{opacity:1;transform:none}}

/* cinta */
.ticker{border-block:1px solid var(--line);background:#fff;overflow:hidden;padding:18px 0}
.ticker__track{display:flex;gap:48px;width:max-content;animation:slide 32s linear infinite}
.ticker span{display:inline-flex;align-items:center;gap:14px;font:600 18px/1 var(--fd);letter-spacing:-.01em;color:var(--ink);white-space:nowrap}
.ticker span::after{content:"";width:8px;height:8px;border-radius:50%;background:var(--red);margin-left:34px}
@keyframes slide{to{transform:translateX(-50%)}}

/* manifiesto */
.mani{background:var(--ink);color:#fff;padding:140px 0;position:relative;overflow:hidden}
.mani::before{content:"";position:absolute;left:-200px;bottom:-300px;width:700px;height:700px;border-radius:50%;background:radial-gradient(closest-side,rgba(230,2,13,.35),transparent)}
.mani__k{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#ff5a63;margin-bottom:26px}
.mani__t{position:relative;font:600 clamp(28px,4.2vw,56px)/1.18 var(--fd);letter-spacing:-.03em;max-width:1050px}
.mani__t .w{color:rgba(255,255,255,.16);transition:color .35s}
.mani__t .w.on{color:#fff}
.mani__t .w.hl.on{color:#ff3b47}

/* secciones */
.sec{padding:128px 0}
.sec--soft{background:var(--soft)}
.kick{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:18px}
.h2{font-size:clamp(34px,4.6vw,58px)}
.sub{margin-top:20px;font-size:19px;color:var(--mut);max-width:620px}
.head{margin-bottom:64px}
.head--c{text-align:center}.head--c .sub{margin-left:auto;margin-right:auto}

/* antes / después */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.vs__c{border-radius:28px;padding:40px}
.vs__c h3{font-size:26px;margin-bottom:26px;letter-spacing:-.02em}
.vs__c ul{list-style:none;margin:0;padding:0;display:grid;gap:16px}
.vs__c li{display:flex;gap:14px;align-items:flex-start;font-size:16.5px}
.vs__c li i{flex:none;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;font-style:normal;font-weight:700;font-size:13px;margin-top:1px}
.vs__no{background:#fff;border:1px solid var(--line);color:var(--mut)}
.vs__no h3{color:var(--mut-2)}
.vs__no li i{background:#F1F1F4;color:var(--mut-2)}
.vs__si{background:linear-gradient(150deg,#ff2a36 0%,var(--red) 35%,var(--red-dd) 100%);color:#fff;box-shadow:0 40px 70px -35px rgba(230,2,13,.8);position:relative;overflow:hidden}
.vs__si::after{content:"";position:absolute;right:-90px;top:-90px;width:280px;height:280px;border-radius:50%;border:40px solid rgba(255,255,255,.08)}
.vs__si h3{color:#fff}
.vs__si li i{background:rgba(255,255,255,.2);color:#fff}

/* camino con scroll */
.path{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}
.path__stick{position:sticky;top:96px}
/* ── El celular: una app real, no un dibujo ── */
.phone{position:relative;width:min(330px,100%);margin:0 auto;aspect-ratio:9/19;border-radius:52px;padding:11px;
  background:linear-gradient(145deg,#2a2a31 0%,#0B0B0F 45%,#1c1c22 100%);
  box-shadow:inset 0 0 0 1.5px #3a3a43,inset 0 0 0 4px #0B0B0F,0 50px 90px -40px rgba(11,11,15,.55),0 30px 50px -30px rgba(230,2,13,.35)}
.phone::before,.phone::after{content:"";position:absolute;right:-3px;width:3px;border-radius:0 3px 3px 0;background:#2a2a31}
.phone::before{top:120px;height:64px}.phone::after{top:200px;height:40px}
.phone__scr{position:relative;height:100%;border-radius:42px;background:#F6F6F8;overflow:hidden;padding:0 16px 16px}
.phone__scr::before{content:"";position:absolute;z-index:6;top:10px;left:50%;width:92px;height:26px;border-radius:14px;background:#0B0B0F;transform:translateX(-50%)}
.ph-status{display:flex;justify-content:space-between;align-items:center;height:44px;padding:4px 10px 0;font:600 13px/1 var(--f);color:var(--ink)}
.ph-sig{display:flex;align-items:flex-end;gap:2px}
.ph-sig i{display:block;width:3px;border-radius:1px;background:var(--ink)}
.ph-sig i:nth-child(1){height:4px}.ph-sig i:nth-child(2){height:6px}.ph-sig i:nth-child(3){height:8px}.ph-sig i:nth-child(4){height:10px}
.ph-sig svg{width:15px;height:13px;margin-left:5px;fill:none;stroke:var(--ink);stroke-width:2.2;stroke-linecap:round}
.ph-sig svg circle{fill:var(--ink);stroke:none}
.ph-sig b{display:block;width:22px;height:11px;margin-left:5px;border-radius:3px;border:1.5px solid var(--ink);position:relative}
.ph-sig b::after{content:"";position:absolute;inset:1.5px 5px 1.5px 1.5px;border-radius:1px;background:var(--ink)}
.ph-top{display:flex;justify-content:space-between;align-items:center;margin:8px 2px 10px}
.ph-logo{width:64px;height:18px;color:var(--red)}
.ph-av{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--ink);color:#fff;font:600 13px/1 var(--f)}
.ph-hi{font-size:14px;color:var(--mut);margin:0 2px 12px}.ph-hi b{color:var(--ink);font-weight:600}

/* la tarjeta dentro del celular, con frente y reverso para el giro */
.ph-card{perspective:900px;margin-bottom:12px}
.ph-flip{position:relative;transform-style:preserve-3d;transform:rotateY(calc(var(--n,0) * 360deg));transition:transform 1.1s cubic-bezier(.25,.8,.25,1)}
.ph-face{backface-visibility:hidden;-webkit-backface-visibility:hidden}
.ph-face.tc{--w:100%;width:100%;border-radius:15px;box-shadow:inset 0 1px 0 rgba(255,255,255,.35),0 18px 30px -16px rgba(154,0,8,.7)}
.ph-face .tc__logo{width:30%;top:12%}
.ph-face .tc__chip{top:40%}
.ph-face .tc__nfc{top:41.5%}
.ph-face .tc__num{font-size:11px;letter-spacing:.1em;bottom:29%}
.ph-face .tc__name{font-size:8.5px;bottom:9%}
.ph-face .tc__visa{font-size:19px;bottom:9%}
.ph-back{position:absolute;inset:0;transform:rotateY(180deg);border-radius:15px;overflow:hidden;
  background:radial-gradient(120% 90% at 0% 0%,#ff3a44 0%,rgba(255,58,68,0) 50%),linear-gradient(135deg,var(--red),#6E0006)}
.ph-back__band{position:absolute;left:0;right:0;top:14%;height:20%;background:#111}
.ph-back__sig{position:absolute;left:7%;top:44%;width:62%;height:15%;border-radius:3px;background:#F4F1EC}
.ph-back__cvv{position:absolute;left:72%;top:44%;width:20%;height:15%;border-radius:3px;background:#fff;color:#111;display:grid;place-items:center;font:600 10px/1 var(--f)}
.ph-back__sim{position:absolute;right:7%;bottom:9%;width:17%;height:auto;aspect-ratio:1;color:#fff}

.ph-cupo{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:11px 13px;font-size:12px;color:var(--mut)}
.ph-cupo b{color:var(--ink);font-size:13px;font-weight:600;transition:opacity .3s}
.ph-sec{margin:14px 2px 8px;font-size:12px;font-weight:600;color:var(--mut-2);letter-spacing:.04em}
.ph-feed{list-style:none;margin:0;padding:0;display:flex;flex-direction:column-reverse;gap:7px}
.ph-feed li{display:none;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:9px 11px;font-size:11px;color:var(--mut)}
.ph-feed li.on{display:flex;animation:feedIn .5s var(--ease)}
.ph-feed li.viejo{display:none}
@keyframes feedIn{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
.ph-feed b{display:block;color:var(--ink);font-size:12.5px;font-weight:600;line-height:1.3}
.ph-feed small{font-size:11px}
.ph-feed em{margin-left:auto;font-style:normal;font-size:10.5px;color:var(--mut-2);white-space:nowrap}
.ph-ic{flex:none;width:32px;height:32px;border-radius:10px;display:grid;place-items:center;background:#F0F0F3;color:var(--ink)}
.ph-ic svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.ph-ic--ok{background:#E7F7F0;color:var(--ok)}
.ph-ic--red{background:var(--red-50);color:var(--red)}

/* notificación push */
.ph-push{position:absolute;z-index:7;left:9px;right:9px;top:44px;display:flex;gap:10px;align-items:flex-start;padding:11px 12px;border-radius:18px;
  background:rgba(255,255,255,.9);backdrop-filter:blur(18px) saturate(180%);-webkit-backdrop-filter:blur(18px) saturate(180%);
  box-shadow:0 14px 34px -12px rgba(11,11,15,.45),0 0 0 1px rgba(11,11,15,.05);
  transform:translateY(-150%);opacity:0;transition:transform .55s cubic-bezier(.2,.9,.25,1.15),opacity .3s}
.ph-push.on{transform:none;opacity:1}
.ph-push__ic{flex:none;width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,#FF2A35,var(--red) 45%,#B00009);display:grid;place-items:center}
.ph-push__ic svg{width:22px;height:22px;color:#fff}
.ph-push__tx{display:block;font-size:11.5px;line-height:1.35;color:#3a3a45;min-width:0}
.ph-push__hd{display:flex;justify-content:space-between;font-size:10.5px;color:var(--mut-2);margin-bottom:2px}
.ph-push__hd b{font-weight:600;letter-spacing:.04em;color:var(--mut)}
.ph-push__hd i{font-style:normal}
.ph-push__tx>b{display:block;font-size:12.5px;color:var(--ink);font-weight:600}

.steps{list-style:none;margin:0;padding:0;position:relative}
.steps::before{content:"";position:absolute;left:23px;top:10px;bottom:10px;width:2px;background:var(--line)}
.steps__fill{position:absolute;left:23px;top:10px;width:2px;height:0;background:var(--red);transition:height .2s linear}
.st{position:relative;display:grid;grid-template-columns:48px 1fr;gap:24px;padding:0 0 88px}
.st:last-child{padding-bottom:0}
.st__n{position:relative;z-index:1;width:48px;height:48px;border-radius:50%;background:#fff;border:2px solid var(--line);display:grid;place-items:center;font:700 15px/1 var(--fd);color:var(--mut-2);transition:all .3s var(--ease)}
.st.on .st__n{background:var(--red);border-color:var(--red);color:#fff;box-shadow:0 0 0 8px var(--red-50)}
.st h3{font-size:28px;letter-spacing:-.025em;margin:8px 0 10px;transition:color .3s}
.st p{font-size:17px;color:var(--mut);max-width:480px}
.st:not(.on) h3{color:#b3b3be}

/* ¿puedo pedirla? */
.quiz{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:32px;box-shadow:var(--sh);padding:44px}
.quiz__prog{display:flex;gap:6px;margin-bottom:28px}
.quiz__prog span{flex:1;height:5px;border-radius:9px;background:#EDEDF2;transition:background .3s}
.quiz__prog span.on{background:var(--red)}
.quiz__q{font:700 clamp(24px,3vw,32px)/1.15 var(--fd);letter-spacing:-.025em;color:var(--ink);min-height:74px}
.quiz__b{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:26px}
.opt{font:600 17px/1 var(--f);padding:20px;border-radius:18px;border:1.5px solid var(--line);background:#fff;cursor:pointer;color:var(--ink);transition:border-color .2s,background .2s,transform .15s}
.opt:hover{border-color:var(--red);background:var(--red-50)}
.opt:active{transform:scale(.98)}
.quiz__r{display:none;text-align:center}
.quiz__r.on{display:block}
.quiz__badge{width:72px;height:72px;margin:0 auto 18px;border-radius:50%;display:grid;place-items:center;color:#fff;background:var(--ok);box-shadow:0 0 0 12px #E7F7F0}
.quiz__badge--no{background:var(--mut-2);box-shadow:0 0 0 12px #F1F1F4}
.quiz__r h3{font-size:30px;letter-spacing:-.025em}
.quiz__r p{margin:12px auto 26px;color:var(--mut);max-width:520px}
.quiz__again{display:block;margin:16px auto 0;background:none;border:0;color:var(--mut);font:500 14px var(--f);text-decoration:underline;cursor:pointer}
.quiz__note{margin-top:22px;font-size:14px;color:var(--mut);text-align:center}

/* números */
.bento{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.tile{border-radius:28px;padding:32px;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;justify-content:space-between;min-height:220px;position:relative;overflow:hidden;transition:transform .3s var(--ease),box-shadow .3s}
.tile:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.tile__k{font-size:14px;color:var(--mut);font-weight:500}
.tile__v{font:700 clamp(40px,5vw,64px)/1 var(--fd);letter-spacing:-.04em;color:var(--ink)}
.tile__s{font-size:14.5px;color:var(--mut);margin-top:10px}
.t-a{grid-column:span 3;background:var(--ink);border-color:var(--ink)}
.t-a .tile__k,.t-a .tile__s{color:rgba(255,255,255,.6)}
.t-a .tile__v{color:#fff;font-size:clamp(56px,7.5vw,96px)}
.t-a::after{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;background:radial-gradient(closest-side,rgba(230,2,13,.55),transparent)}
.t-b{grid-column:span 3;background:var(--red);border-color:var(--red)}
.t-b .tile__k,.t-b .tile__s{color:rgba(255,255,255,.78)}
.t-b .tile__v{color:#fff}
.t-c,.t-d,.t-e{grid-column:span 2}
.legal{margin-top:26px;font-size:13.5px;color:var(--mut);max-width:900px}

/* beneficios */
.feats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:28px;overflow:hidden}
.feat{background:#fff;padding:36px;transition:background .25s}
.feat:hover{background:#FFFBFB}
.feat__ic{width:52px;height:52px;border-radius:15px;display:grid;place-items:center;background:var(--red-50);color:var(--red);margin-bottom:22px}
.feat h3{font-size:21px;letter-spacing:-.02em;margin-bottom:10px;line-height:1.2}
.feat p{color:var(--mut);font-size:15.5px}

/* faq */
.faq{max-width:840px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:26px 2px;font:600 19px/1.3 var(--fd);letter-spacing:-.015em;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:32px;height:32px;border-radius:50%;background:var(--soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M10 5v10M5 10h10' stroke='%230A0A0D' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E") center/16px no-repeat;transition:transform .25s var(--ease),background-color .25s}
.faq details[open] summary::after{transform:rotate(45deg);background-color:var(--red-100)}
.faq details p{padding:0 2px 26px;color:var(--mut);font-size:16.5px;max-width:740px}

/* cierre */
.end{position:relative;overflow:hidden;border-radius:40px;padding:84px 64px;background:radial-gradient(80% 120% at 100% 0%,#ff3b47 0%,transparent 55%),linear-gradient(135deg,var(--red) 0%,#9d030d 100%);color:#fff;display:grid;grid-template-columns:1.15fr .85fr;gap:24px;align-items:center}
.end::before{content:"";position:absolute;left:-120px;bottom:-200px;width:460px;height:460px;border-radius:50%;border:60px solid rgba(255,255,255,.06)}
.end h2{color:#fff;font-size:clamp(38px,5.2vw,68px)}
.end p{margin-top:20px;font-size:19px;color:rgba(255,255,255,.86);max-width:540px}
.end__cta{position:relative;z-index:1;display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}

/* pie */
.foot{background:var(--ink);color:rgba(255,255,255,.66);padding:80px 0 40px;margin-top:128px}
.foot__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.foot__brand{display:inline-flex;background:#fff;border-radius:12px;padding:9px 14px;text-decoration:none}
.foot__brand img{height:22px;width:auto}
.foot__brand .brand__txt{font-size:22px}
.foot__pitch{margin-top:20px;font-size:14.5px;max-width:330px}
.foot h4{font:600 12.5px/1 var(--f);letter-spacing:.1em;text-transform:uppercase;color:#fff;margin:8px 0 20px}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:11px;font-size:14.5px}
.foot a{text-decoration:none}.foot a:hover{color:#fff}
.foot__legal{margin-top:60px;padding-top:28px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;display:grid;gap:10px}

/* barra fija móvil */
.mbar{position:fixed;left:12px;right:12px;bottom:12px;z-index:45;display:none;align-items:center;gap:12px;padding:10px 10px 10px 18px;border-radius:999px;background:rgba(10,10,13,.92);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);color:#fff;box-shadow:var(--sh-l);transform:translateY(140%);transition:transform .35s var(--ease)}
.mbar.on{transform:none}
.mbar p{flex:1;font-size:13px;line-height:1.3;color:rgba(255,255,255,.75)}
.mbar p b{display:block;color:#fff;font-size:14px}

.wa{position:fixed;right:18px;bottom:18px;z-index:40;width:54px;height:54px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:var(--sh-l)}

/* cookies */
.cc{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;display:none;justify-content:center}
.cc.cc-visible{display:flex}
.cc__in{max-width:720px;width:100%;display:flex;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--sh-l);padding:18px 20px;font-size:14px;color:var(--mut)}
.cc__in strong{display:block;color:var(--ink);margin-bottom:2px}
.cc__in a{color:var(--red)}
.cc__btns{display:flex;gap:8px;flex:none}

/* aparición */
.js .rv{opacity:0;transform:translateY(24px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.js .rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .hero h1 .line>span{transform:none}
  .hero__lead,.hero__cta,.hero__micro,.toast{opacity:1}
  .js .rv{opacity:1;transform:none}
  .mani__t .w{color:#fff}
}

/* responsive */
@media (max-width:1040px){
  .hero__in{grid-template-columns:1fr}
  .art{height:460px}
  .path{grid-template-columns:1fr}
  .path__stick{position:relative;top:0;margin-bottom:8px}
  .phone{width:min(300px,82vw)}
  .st:not(.on) h3{color:var(--ink)}
  .feats{grid-template-columns:1fr 1fr}
  .end{grid-template-columns:1fr;padding:64px 40px}
  .foot__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .hero{padding-top:110px}
  .hero__cta .btn{width:100%}
  .art{height:380px}
  .toast{padding:9px 12px 9px 9px;font-size:11.5px}
  .toast b{font-size:12.5px}
  .toast__ic{width:32px;height:32px}
  .toast--1{left:0;top:4%}
  .toast--2{right:0}
  .toast--3{left:2%;bottom:2%}
  .sec{padding:88px 0}
  .mani{padding:96px 0}
  .vs{grid-template-columns:1fr}
  .vs__c{padding:30px 26px}
  .quiz{padding:30px 22px;border-radius:26px}
  .quiz__b{grid-template-columns:1fr}
  .bento{grid-template-columns:1fr 1fr}
  .t-a,.t-b{grid-column:span 2}
  .t-c,.t-d,.t-e{grid-column:span 1}
  .t-e{grid-column:span 2}
  .tile{min-height:170px;padding:24px}
  .feats{grid-template-columns:1fr}
  .end{padding:48px 26px;border-radius:30px}
  .end__cta .btn{width:100%}
  .foot__grid{grid-template-columns:1fr}
  .nav__end .btn{display:none}
  .mbar{display:flex}
  .wa{bottom:86px}
  .cc{bottom:86px}
  .cc__in{flex-direction:column;align-items:stretch}
  .cc__btns .btn{flex:1}
}

/* ── tarjeta dibujada en código ── */
.stage{position:absolute;inset:0;display:grid;place-items:center;perspective:1600px;--rx:0deg;--ry:0deg;--mx:50%;--my:30%}
.tc{--w:min(440px,86vw);position:relative;width:var(--w);aspect-ratio:1.586;border-radius:calc(var(--w)*.052);overflow:hidden;color:#fff;isolation:isolate;
  box-shadow:0 1px 0 rgba(255,255,255,.35) inset,0 -1px 0 rgba(0,0,0,.25) inset,0 50px 70px -30px rgba(90,0,6,.55),0 24px 34px -18px rgba(10,10,13,.35)}
.tc--roja{background:radial-gradient(120% 90% at 100% 0%,#ff3a44 0%,rgba(255,58,68,0) 50%),radial-gradient(80% 80% at 0% 100%,#5c0005 0%,rgba(92,0,5,0) 60%),linear-gradient(135deg,#ff1c28 0%,var(--red) 38%,#9a0008 78%,#5c0005 100%)}
.tc--negra{background:radial-gradient(90% 90% at 100% 0%,#34343d 0%,rgba(52,52,61,0) 55%),linear-gradient(140deg,#24242b 0%,#111116 55%,#050507 100%)}
.stage .tc--negra{position:absolute;transform:translate(18%,-24%) rotate(9deg) scale(.94);filter:saturate(.9)}
.stage .tc--roja{transform:rotateX(var(--rx)) rotateY(var(--ry)) rotate(-6deg) translate(-8%,10%);transform-style:preserve-3d;transition:transform .5s var(--ease);will-change:transform}
.stage.is-live .tc--roja{transition:transform .08s linear}
.stage:not(.is-live) .tc--roja{animation:flota 8s ease-in-out infinite}
@keyframes flota{0%,100%{transform:rotateX(6deg) rotateY(-10deg) rotate(-6deg) translate(-8%,10%)}50%{transform:rotateX(-4deg) rotateY(8deg) rotate(-5deg) translate(-8%,6%)}}
.tc::before{content:"";position:absolute;inset:0;z-index:0;opacity:.18;mix-blend-mode:overlay;pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.tc__glow{position:absolute;inset:-40%;z-index:0;background:radial-gradient(circle at var(--mx) var(--my),rgba(255,255,255,.34),rgba(255,255,255,0) 32%);mix-blend-mode:soft-light;transition:background .2s}
.tc__wm{position:absolute;z-index:1;right:-12%;bottom:-26%;width:78%;height:auto;aspect-ratio:1.003;color:#fff;opacity:.10}
.tc__wm--rojo{color:var(--red);opacity:.95;right:-16%;bottom:-30%;width:84%}
.tc__holo{position:absolute;inset:0;z-index:2;pointer-events:none;opacity:.55;mix-blend-mode:color-dodge;
  background:linear-gradient(115deg,transparent 30%,rgba(255,255,255,.0) 38%,rgba(255,214,222,.45) 45%,rgba(190,220,255,.35) 50%,rgba(255,255,255,0) 58%,transparent 70%);
  background-size:260% 260%;background-position:calc(100% - var(--mx)) calc(100% - var(--my));transition:background-position .2s}
.stage:not(.is-live) .tc__holo,.tc--quieta .tc__holo{animation:holo 7s ease-in-out infinite}
@keyframes holo{0%,100%{background-position:100% 100%}50%{background-position:0% 0%}}
.tc__logo{position:absolute;z-index:3;left:7.5%;top:10%;width:27%;height:auto;aspect-ratio:3.59;color:#fff}
.tc__chip{position:absolute;z-index:3;left:7.5%;top:38%;width:12.5%;aspect-ratio:1.3;border-radius:14%;display:grid;grid-template-columns:1fr 1fr;grid-template-rows:1fr 1fr;gap:1.5px;padding:0;overflow:hidden;
  background:linear-gradient(135deg,#f7e3a6 0%,#d9b664 45%,#b8903f 70%,#e9cf86 100%);box-shadow:inset 0 0 0 1px rgba(120,86,30,.45),0 1px 2px rgba(0,0,0,.25)}
.tc__chip i{border:1px solid rgba(120,86,30,.35);border-radius:3px}
.tc__nfc{position:absolute;z-index:3;left:23%;top:40%;width:5%;height:auto;color:rgba(255,255,255,.9)}
.tc__num{position:absolute;z-index:3;left:7.5%;bottom:30%;display:flex;gap:4.5%;width:70%;font:600 clamp(13px,1.55vw,19px)/1 var(--f);letter-spacing:.12em;color:rgba(255,255,255,.95);text-shadow:0 1px 1px rgba(0,0,0,.25)}
.tc__num b{font-weight:600;white-space:nowrap}
.tc__name{position:absolute;z-index:3;left:7.5%;bottom:10%;font:600 clamp(10px,1.05vw,13px)/1.3 var(--f);letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.92)}
.tc__name small{display:block;font-size:.72em;font-weight:500;opacity:.7;letter-spacing:.14em}
.tc__visa{position:absolute;z-index:3;right:7%;bottom:9%;font:italic 800 clamp(22px,2.7vw,34px)/1 var(--f);letter-spacing:-.02em;color:#fff}
.tc--negra .tc__logo{top:12%}
.tc__edge{position:absolute;inset:0;z-index:4;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(255,255,255,.18);pointer-events:none}
.end__card{position:relative;z-index:1;justify-self:center;perspective:1200px}
.end__card .tc{--w:min(380px,70vw);transform:rotate(-8deg) rotateY(-12deg);box-shadow:0 1px 0 rgba(255,255,255,.35) inset,0 40px 60px -24px rgba(0,0,0,.55)}
@media (prefers-reduced-motion:reduce){.stage .tc--roja{animation:none;transform:rotate(-6deg) translate(-8%,10%)}}
@media (max-width:1040px){.end__card{display:none}}
@media (max-width:760px){.tc{--w:min(330px,78vw)}.stage .tc--negra{transform:translate(14%,-26%) rotate(9deg) scale(.92)}}

/* testimonios */
.testis{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.testi{margin:0;background:#fff;border:1px solid var(--line);border-radius:28px;padding:32px;display:flex;flex-direction:column;gap:22px;transition:transform .3s var(--ease),box-shadow .3s}
.testi:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.testi__stars{color:var(--red);letter-spacing:.14em;font-size:15px}
.testi blockquote{margin:0;flex:1;font-size:17px;line-height:1.65;color:var(--ink)}
.testi figcaption{display:flex;align-items:center;gap:14px;font-size:13.5px;color:var(--mut)}
.testi figcaption b{display:block;color:var(--ink);font-size:15px;font-weight:600}
.testi__av{flex:none;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--red);color:#fff;font:700 17px/1 var(--fd)}
@media (max-width:1040px){.testis{grid-template-columns:1fr}}

/* testimonios v2 (2026-09-28): reales, en tinta, sin estrellas ni avatares */
.voz{position:relative;overflow:hidden;background:var(--ink);color:rgba(255,255,255,.7);padding:128px 0}
.voz::before{content:"";position:absolute;width:760px;height:760px;right:-260px;top:-300px;border-radius:50%;background:radial-gradient(circle,rgba(230,2,13,.38) 0%,rgba(230,2,13,0) 65%);pointer-events:none}
.voz .wrap{position:relative}
.voz .kick{color:#FF5A63}
.voz .h2{color:#fff}
.voz__head{margin-bottom:56px}
.voz__grid{display:grid;grid-template-columns:1.35fr 1fr;gap:28px;align-items:stretch}
.voz figure{margin:0}
.voz blockquote{margin:0;color:#fff}
.voz__main{position:relative;padding:44px 44px 40px;border-radius:32px;background:linear-gradient(150deg,#1d1d25 0%,#121217 100%);border:1px solid rgba(255,255,255,.08);display:flex;flex-direction:column;justify-content:space-between;gap:40px}
.voz__q{position:absolute;right:30px;top:-18px;font:800 220px/1 var(--fd);color:var(--red);opacity:.9}
.voz__main blockquote{position:relative;font:600 clamp(26px,3vw,38px)/1.22 var(--fd);letter-spacing:-.025em;max-width:560px}
.voz figcaption{display:flex;align-items:center;gap:16px;font-size:14px;color:rgba(255,255,255,.55)}
.voz figcaption b{display:block;color:#fff;font-size:16px;font-weight:600}
.voz__nota{flex:none;display:inline-flex;align-items:baseline;gap:2px;padding:10px 14px;border-radius:14px;background:rgba(230,2,13,.14);border:1px solid rgba(230,2,13,.35);color:rgba(255,255,255,.6);font:600 14px/1 var(--f)}
.voz__nota b{font:800 26px/1 var(--fd);color:#fff;letter-spacing:-.03em}
.voz__side{display:grid;gap:28px}
.voz__item{padding:30px 32px;border-radius:28px;border:1px solid rgba(255,255,255,.1);display:grid;gap:18px;align-content:start;transition:border-color .3s,transform .3s var(--ease)}
.voz__item:hover{border-color:rgba(255,255,255,.28);transform:translateY(-3px)}
.voz__item .voz__nota{justify-self:start}
.voz__item blockquote{font:600 21px/1.35 var(--fd);letter-spacing:-.015em}
.voz__item figcaption{display:block}
.voz__legal{margin:40px 0 0;max-width:760px;font-size:13px;line-height:1.6;color:rgba(255,255,255,.42)}
@media (max-width:1040px){.voz__grid{grid-template-columns:1fr}}
@media (max-width:760px){.voz{padding:88px 0}.voz__main{padding:34px 26px 28px}.voz__q{font-size:160px;right:18px}.voz__item{padding:26px 24px}}
/* pie con columna de guías (2026-09-28). Con min-width para no pisar el 1fr 1fr del celular. */
@media (min-width:1041px){.foot__grid{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}}

/* tarjetas de cuota y tasa en movil (2026-09-28): dos columnas angostas, la cifra no cabia a 40px */
@media (max-width:760px){.t-c,.t-d{padding:22px 20px}.t-c .tile__v,.t-d .tile__v{font-size:clamp(24px,7.2vw,40px)}}
@media (max-width:360px){.t-c,.t-d{padding:20px 16px}}