/* ============================================================
   hipotecalatina.es — home.css
   Estilos específicos de la página de inicio (index.html).
   Depende de base.css (tokens y componentes compartidos).
   ============================================================ */

/* ---------- HERO ---------- */
.hero{
  position:relative;overflow:hidden;
  padding:clamp(48px,8vw,96px) var(--space-gutter) clamp(60px,7vw,104px);
  min-height:88vh;display:flex;flex-direction:column;justify-content:center;
}
.hero__inner{position:relative;z-index:2;max-width:1100px}
.hero__eyebrow{margin-bottom:clamp(22px,3vw,34px)}
.hero__title{
  font-weight:800;letter-spacing:-.035em;line-height:var(--lh-tight);
  font-size:var(--fs-display);margin-bottom:clamp(26px,3.4vw,40px);
}
.hero__title .serif{color:var(--tierra);letter-spacing:-.01em;font-size:1em}
.hero__lead{
  font-size:clamp(18px,2vw,25px);line-height:1.42;max-width:620px;
  color:var(--ink-82);margin-bottom:clamp(34px,4vw,46px);
}
.hero__lead .serif{color:var(--ink)}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero__note{font-family:var(--font-mono);font-size:12.5px;color:var(--ink-55)}

/* Motivo "sol" (decorativo) */
.sol{
  position:absolute;top:-90px;right:-90px;z-index:0;pointer-events:none;
  width:min(46vw,560px);height:min(46vw,560px);
}
.sol__disc{position:absolute;inset:0;border-radius:50%;
  background:radial-gradient(circle at 50% 50%,#F4B752,var(--sol) 60%,rgba(232,144,32,.25) 100%)}
.sol__ring{position:absolute;inset:-46px;border-radius:50%;border:2px solid rgba(212,74,56,.5)}
.sol__ring--dashed{inset:-94px;border:2px dashed rgba(14,58,77,.18)}
.dot{position:absolute;bottom:54px;left:var(--space-gutter);width:18px;height:18px;border-radius:50%;background:var(--verde);z-index:0}

/* ---------- CONFIANZA ---------- */
.confianza{background:var(--ink);color:var(--cream)}
.confianza .eyebrow{color:var(--sol);margin-bottom:34px}
.stats{
  display:grid;grid-template-columns:1fr;gap:clamp(28px,4vw,56px);
  margin-bottom:clamp(48px,6vw,72px);
}
@media (min-width:680px){.stats{grid-template-columns:repeat(3,1fr)}}
.stat__num{font-size:clamp(54px,7vw,84px);font-weight:800;line-height:.9;letter-spacing:-.04em}
.stat__num .serif{font-size:.62em;color:var(--tierra)}
.stat--sol .stat__num{color:var(--sol)}
.stat--verde .stat__num{color:var(--verde)}
.stat__label{font-size:17px;color:var(--cream-85);margin-top:10px;line-height:1.4}
.banks{border-top:1px solid var(--cream-16);padding-top:30px}
.banks__title{font-family:var(--font-mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--cream-55);margin-bottom:20px}
.banks__row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.bank{
  height:42px;flex:0 0 auto;padding:0 18px;
  border:1.5px solid rgba(247,238,223,.28);border-radius:21px;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-weight:600;font-size:14px;color:var(--cream-85);letter-spacing:-.01em;
  transition:border-color .2s,background .2s;
}
.bank:hover{border-color:rgba(247,238,223,.55);background:rgba(247,238,223,.06)}

/* ---------- SERVICIOS ---------- */
.servicios__head{
  display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;
  gap:20px;margin-bottom:clamp(38px,5vw,56px);
}
.servicios__title{font-size:var(--fs-h2);font-weight:800;letter-spacing:-.03em;line-height:.96;max-width:680px}
.servicios__title .serif{color:var(--tierra)}
.servicios__sub{font-family:var(--font-mono);font-size:13px;color:var(--ink-55);max-width:280px;line-height:1.6}
.cards{display:grid;grid-template-columns:1fr;gap:clamp(16px,2vw,24px)}
@media (min-width:560px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.cards{grid-template-columns:repeat(4,1fr)}}
.card{
  border-radius:20px;padding:clamp(26px,2.6vw,34px);min-height:300px;
  display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden;
}
.card--sol{background:var(--sol);color:var(--ink)}
.card--ink{background:var(--ink);color:var(--cream)}
.card--verde{background:var(--verde);color:var(--cream)}
.card--tierra{background:var(--tierra);color:var(--cream)}
.card__num{font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;opacity:.7}
.card__title{font-size:var(--fs-h3);font-weight:800;letter-spacing:-.02em;line-height:1.05;margin-bottom:14px}
.card__body{font-size:15.5px;line-height:1.5;opacity:.88}
.card__tag{font-family:var(--font-mono);font-size:13px;opacity:.85;margin-top:22px}

/* ---------- CONOCE TU SITUACIÓN ---------- */
.situacion{background:var(--paper-2)}
.situacion .eyebrow{margin-bottom:18px}
.situacion__title{font-size:var(--fs-h2);font-weight:800;letter-spacing:-.03em;line-height:.98;max-width:760px;margin-bottom:14px}
.situacion__title .serif{color:var(--ink)}
.situacion__lead{font-size:17.5px;line-height:1.5;max-width:600px;color:var(--ink-82);margin-bottom:clamp(30px,4vw,44px)}
.tabs{display:flex;gap:10px;margin-bottom:28px;flex-wrap:wrap}
.tab{
  font-size:16px;font-weight:700;padding:13px 22px;border-radius:999px;cursor:pointer;
  border:1.5px solid var(--ink);background:transparent;color:var(--ink);transition:all .15s ease;
}
.tab.is-active{background:var(--ink);color:var(--cream)}
.panel{display:grid;grid-template-columns:1fr;gap:16px}
@media (min-width:680px){.panel{grid-template-columns:repeat(3,1fr)}}
.panel[hidden]{display:none}
.qa{background:var(--cream);border:1.5px solid var(--ink-12);border-radius:16px;padding:26px}
.qa__head{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.qa__n{
  flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:var(--sol);color:var(--ink);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;
}
.qa__q{font-size:18px;font-weight:700;letter-spacing:-.01em;line-height:1.2;padding-top:2px}
.qa__a{font-size:15px;line-height:1.55;color:var(--ink-82);padding-left:38px}

/* ---------- CTA SIMULADOR ---------- */
.cta-sim{background:var(--tierra);color:var(--cream);position:relative;overflow:hidden;text-align:center;
  padding:clamp(60px,8vw,120px) var(--space-gutter)}
.cta-sim__inner{max-width:1000px;margin-inline:auto;position:relative;z-index:2}
.cta-sim .eyebrow{color:var(--cream-85);margin-bottom:22px}
.cta-sim__title{font-size:clamp(36px,6.5vw,84px);font-weight:800;letter-spacing:-.035em;line-height:.94;margin-bottom:22px}
.cta-sim__title .serif{color:var(--cream)}
.cta-sim__lead{font-size:var(--fs-lead);line-height:1.45;max-width:560px;margin:0 auto 36px;color:rgba(247,238,223,.9)}
.cta-sim__blob{position:absolute;border-radius:50%}
.cta-sim__blob--ring{top:-120px;left:-80px;width:340px;height:340px;border:30px solid rgba(247,238,223,.1)}
.cta-sim__blob--sol{bottom:-90px;right:8%;width:170px;height:170px;background:rgba(239,160,44,.55)}

/* ---------- CONTACTO ---------- */
.contacto{display:grid;grid-template-columns:1fr;gap:clamp(36px,5vw,72px);align-items:start}
@media (min-width:820px){.contacto{grid-template-columns:repeat(2,1fr)}}
.contacto .eyebrow{margin-bottom:18px}
.contacto__title{font-size:var(--fs-h2);font-weight:800;letter-spacing:-.03em;line-height:.96;margin-bottom:20px}
.contacto__title .serif{color:var(--tierra)}
.contacto__lead{font-size:17.5px;line-height:1.5;color:var(--ink-82);max-width:440px;margin-bottom:34px}
.contact-row{
  display:flex;align-items:center;gap:16px;border-radius:var(--radius);
  padding:20px 22px;text-decoration:none;margin-bottom:14px;
}
.contact-row--wa{background:var(--verde);color:var(--cream);box-shadow:0 5px 0 rgba(20,70,50,.4);transition:transform .12s ease}
.contact-row--wa:hover{transform:translateY(2px)}
.contact-row--tel{background:transparent;color:var(--ink);border:1.5px solid rgba(14,58,77,.2)}
.contact-row__icon{flex:0 0 auto;width:46px;height:46px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.contact-row--wa .contact-row__icon{background:var(--cream);color:var(--verde)}
.contact-row--tel .contact-row__icon{background:var(--sol);color:var(--ink)}
.contact-row__icon .icon{width:22px;height:22px}
.contact-row strong{display:block;font-size:19px}
.contact-row small{display:block;font-family:var(--font-mono);font-size:13px;opacity:.85}
.contact-row--tel small{color:var(--ink-70)}

/* Formulario */
.form-card{background:var(--ink);color:var(--cream);border-radius:var(--radius-lg);padding:clamp(26px,3vw,40px)}
.form-card .eyebrow{color:var(--sol);margin-bottom:6px}
.form-card__title{font-size:23px;font-weight:800;letter-spacing:-.02em;margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-family:var(--font-mono);color:var(--cream-70);margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;background:var(--cream);border:2px solid transparent;border-radius:var(--radius-sm);
  padding:14px 15px;font-size:16px;color:var(--ink);outline:none;transition:border-color .15s ease;
}
.field textarea{resize:vertical}
.field select{appearance:none}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--sol)}
.field input.invalid,.field select.invalid{border-color:var(--tierra)}
.field .error{display:none;color:#FFD2CC;font-size:12px;margin-top:6px;font-family:var(--font-mono)}
.field input.invalid ~ .error,.field select.invalid ~ .error{display:block}

/* Checkbox de privacidad */
.field--checkbox{margin-bottom:20px}
.checkbox-label{
  display:flex;align-items:flex-start;gap:10px;cursor:pointer;
  font-size:13px;line-height:1.5;color:var(--cream-85);font-family:var(--font-display);
}
.checkbox-label input[type="checkbox"]{
  width:18px;height:18px;flex-shrink:0;margin-top:2px;accent-color:var(--sol);cursor:pointer;
}
.checkbox-label a{color:var(--sol);text-decoration:underline}
.field--checkbox .checkbox-label input.invalid ~ span{color:#FFD2CC}
.field--checkbox input.invalid ~ .error{display:block}
.form-note{font-family:var(--font-mono);font-size:11px;color:var(--cream-55);text-align:center;margin-top:14px;line-height:1.5}
/* Éxito */
.form-success{text-align:center;padding:40px 10px}
.form-success__check{
  width:64px;height:64px;border-radius:50%;background:var(--verde);color:var(--cream);
  display:flex;align-items:center;justify-content:center;margin:0 auto 22px;animation:pop .4s ease both;
}
.form-success__check .icon{width:30px;height:30px}
.form-success h3{font-size:26px;font-weight:800;letter-spacing:-.02em;margin-bottom:10px}
.form-success p{font-size:16px;line-height:1.5;color:var(--cream-85);max-width:340px;margin-inline:auto}
.form-success a{display:inline-block;margin-top:22px;color:var(--sol);font-family:var(--font-mono);font-size:14px;text-decoration:none;border-bottom:1px solid var(--sol);padding-bottom:2px}
/* Error de envío */
.form-error{text-align:center;padding:40px 10px}
.form-error h3{font-size:24px;font-weight:800;letter-spacing:-.02em;margin-bottom:10px;color:var(--tierra)}
.form-error p{font-size:16px;line-height:1.5;color:var(--cream-85);max-width:340px;margin-inline:auto}
.form-error a{display:inline-block;margin-top:22px;color:var(--verde);font-family:var(--font-mono);font-size:14px;text-decoration:none;border-bottom:1px solid var(--verde);padding-bottom:2px}
[hidden]{display:none !important}