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

html{
    scroll-behavior:smooth;
}

body{
    background:#FFFFFF;
    color:#3D4652;
    font-family:Arial,sans-serif;
}

a{
    text-decoration:none;
    color:inherit;
}

/* Regla global para quitar bordes negros por defecto en divisores */
hr{
    border:none;
    height:1px;
    background-color:rgba(255,255,255,0.1);
}

.contenedor{
    width:92%;
    max-width:1150px;
    margin:auto;
}


/*=====================================
HEADER (FIJO Y NAVEGACIÓN)
=====================================*/

.header{
    position:fixed;
    top:0;
    left:0;
    width:100%;
    z-index:1000;
    background:rgba(13,42,148,.98);
    backdrop-filter:blur(8px);
    box-shadow:0 4px 20px rgba(0,0,0,.15);
}

.header-contenido{
    width:92%;
    max-width:1250px;
    height:88px;
    margin:auto;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:20px;
    position:relative;
}

.logo{
    width:95px;
    display:block;
}

.menu{
    display:flex;
    align-items:center;
    gap:25px;
    margin:0 auto 0 40px;
}

.menu a{
    color:#FFFFFF;
    font-size:.9rem;
    transition:.3s;
}

.menu a:hover{
    color:#D5A900;
}

.header-acciones{
    display:flex;
    align-items:center;
    gap:12px;
}

.header-botones{
    display:flex;
    align-items:center;
    gap:12px;
}

.btn-login,
.btn-asociado{
    padding:12px 20px;
    border-radius:30px;
    font-size:.85rem;
    transition:.3s;
    display:inline-flex;
    align-items:center;
    gap:8px;
}

.btn-login{
    color:#FFFFFF;
    border:1px solid rgba(255,255,255,.5);
}

.btn-login:hover{
    background:#FFFFFF;
    color:#0D2A94;
}

.btn-asociado{
    background:#D5A900;
    color:#FFFFFF;
}

.btn-asociado:hover{
    background:#BD9400;
}

/* Botón Hamburguesa */
.btn-menu{
    display:none;
    background:transparent;
    border:none;
    color:#FFFFFF;
    font-size:1.8rem;
    cursor:pointer;
    padding:5px 8px;
    outline:none;
}


/*=====================================
HERO
=====================================*/

.hero{
    min-height:720px;
    position:relative;
    display:flex;
    align-items:center;
    background-image:url('../img/comerciante-feliz.webp');
    background-size:cover;
    background-position:center;
    padding-top:88px;
}

.hero-overlay{
    position:absolute;
    inset:0;
    background:linear-gradient(90deg,rgba(13,42,148,.94),rgba(13,42,148,.65),rgba(13,42,148,.25));
}

.hero-contenido{
    position:relative;
    z-index:2;
    width:92%;
    max-width:1150px;
    margin:90px auto 0;
    color:#FFFFFF;
}

.hero-etiqueta,
.seccion-etiqueta{
    font-size:.78rem;
    letter-spacing:2px;
    font-weight:600;
    color:#D5A900;
}

.hero h1{
    max-width:700px;
    margin:20px 0;
    font-size:4.3rem;
    line-height:1.12;
    font-weight:400;
}

.hero h1 strong{
    font-weight:600;
    color:#D5A900;
}

.hero p{
    max-width:600px;
    font-size:1.25rem;
    line-height:1.7;
    font-weight:300;
    margin-bottom:35px;
}

.hero-botones{
    display:flex;
    gap:15px;
    flex-wrap:wrap;
}

.btn-principal,
.btn-secundario{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:12px;
    min-height:52px;
    padding:14px 25px;
    border-radius:30px;
    font-size:.9rem;
    transition:.3s;
}

.btn-principal{
    background:#D5A900;
    color:#FFFFFF;
}

.btn-principal:hover{
    background:#BD9400;
    transform:translateY(-2px);
}

.btn-secundario{
    border:1px solid rgba(255,255,255,.7);
    color:#FFFFFF;
}

.btn-secundario:hover{
    background:#FFFFFF;
    color:#0D2A94;
}


/*=====================================
PRESENTACIÓN
=====================================*/

.presentacion{
    padding:100px 0;
    background:#FFFFFF;
}

.presentacion .contenedor{
    display:grid;
    grid-template-columns:1.3fr 1fr;
    gap:80px;
    align-items:center;
}

.presentacion h2,
.titulo-seccion h2,
.soluciones h2{
    margin:15px 0 20px;
    font-size:2.6rem;
    line-height:1.2;
    font-weight:500;
    color:#3D4652;
}

.presentacion h2 span,
.titulo-seccion h2 span,
.soluciones h2 span{
    color:#0D2A94;
}

.presentacion p{
    max-width:650px;
    margin-bottom:18px;
    line-height:1.8;
    color:#6D7580;
}

.presentacion-datos{
    display:grid;
    grid-template-columns:1fr;
    gap:15px;
}

.dato{
    display:grid;
    grid-template-columns:60px 1fr;
    align-items:center;
    padding:20px;
    border-radius:18px;
    background:#F5F7FB;
}

.dato i{
    grid-row:span 2;
    font-size:1.5rem;
    color:#0D2A94;
}

.dato strong{
    font-weight:500;
}

.dato span{
    font-size:.9rem;
    color:#7A828D;
}


/*=====================================
SERVICIOS
=====================================*/

.servicios{
    padding:100px 0;
    background:#F5F7FB;
}

.titulo-seccion{
    text-align:center;
    max-width:700px;
    margin:0 auto 50px;
}

.titulo-seccion p{
    color:#727A85;
    line-height:1.7;
}

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

.servicio{
    background:#FFFFFF;
    padding:30px 25px;
    border-radius:24px;
    box-shadow:0 8px 25px rgba(0,0,0,.05);
    transition:.3s;
}

.servicio:hover{
    transform:translateY(-7px);
    box-shadow:0 15px 35px rgba(0,0,0,.09);
}

.servicio-icono{
    width:58px;
    height:58px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:17px;
    background:#EAF0FF;
    color:#0D2A94;
    font-size:1.5rem;
    margin-bottom:22px;
}

.servicio h3{
    font-size:1.15rem;
    font-weight:500;
    margin-bottom:12px;
}

.servicio p{
    color:#747C87;
    font-size:.9rem;
    line-height:1.6;
    margin-bottom:20px;
}

.servicio > span{
    color:#0D2A94;
    font-size:.8rem;
    font-weight:500;
}


/*=====================================
SOLUCIONES DIGITALES
=====================================*/

.soluciones{
    padding:100px 0;
    background:#FFFFFF;
}

.soluciones-contenido{
    display:grid;
    grid-template-columns:1.3fr .7fr;
    gap:80px;
    align-items:center;
}

.soluciones-texto p{
    max-width:600px;
    color:#727A85;
    line-height:1.8;
    margin-bottom:25px;
}

.soluciones-lista{
    display:grid;
    gap:15px;
    margin-bottom:30px;
}

.soluciones-lista div{
    display:flex;
    align-items:center;
    gap:12px;
    font-size:.9rem;
}

.soluciones-lista i{
    color:#D5A900;
}

.soluciones-card{
    min-height:320px;
    padding:50px;
    display:flex;
    flex-direction:column;
    justify-content:center;
    border-radius:30px;
    background:#0D2A94;
    color:#FFFFFF;
    text-align:center;
    box-shadow:0 15px 40px rgba(13,42,148,.2);
}

.soluciones-card i{
    font-size:4rem;
    color:#D5A900;
    margin-bottom:25px;
}

.soluciones-card h3{
    font-size:1.4rem;
    font-weight:500;
    margin-bottom:15px;
}

.soluciones-card p{
    color:#DCE3FF;
    line-height:1.7;
}


/*=====================================
INNOVACIÓN
=====================================*/

.innovacion{
    padding:100px 0;
    background:#F5F7FB;
}

.innovacion-grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:25px;
}

.innovacion-card{
    background:#FFFFFF;
    padding:40px;
    border-radius:25px;
    text-align:center;
    box-shadow:0 8px 25px rgba(0,0,0,.05);
}

.innovacion-icono{
    width:70px;
    height:70px;
    margin:0 auto 20px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    background:#EAF0FF;
    color:#0D2A94;
    font-size:1.8rem;
}

.innovacion-card h3{
    font-size:1.2rem;
    font-weight:500;
    margin-bottom:12px;
}

.innovacion-card p{
    color:#747C87;
    line-height:1.7;
}


/*=====================================
CONVENIOS
=====================================*/

.convenios{
    padding:100px 0;
    background:#FFFFFF;
}

.convenios-bloque{
    display:grid;
    grid-template-columns:90px 1fr auto;
    align-items:center;
    gap:30px;
    padding:35px 40px;
    border-radius:25px;
    background:#F5F7FB;
}

.convenio-icono{
    width:75px;
    height:75px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:20px;
    background:#0D2A94;
    color:#D5A900;
    font-size:2rem;
}

.convenios-bloque h3{
    font-weight:500;
    margin-bottom:8px;
}

.convenios-bloque p{
    color:#747C87;
    line-height:1.6;
}


/*=====================================
CTA
=====================================*/

.cta{
    padding:100px 20px;
    background:#0D2A94;
    text-align:center;
    color:#FFFFFF;
}

.cta span{
    color:#D5A900;
    font-size:.75rem;
    letter-spacing:2px;
    font-weight:600;
}

.cta h2{
    margin:20px auto;
    font-size:3rem;
    font-weight:400;
}

.cta h2 strong{
    color:#D5A900;
    font-weight:600;
}

.cta p{
    max-width:600px;
    margin:0 auto 30px;
    color:#DCE3FF;
    line-height:1.7;
}

.btn-cta{
    display:inline-flex;
    align-items:center;
    gap:12px;
    padding:15px 28px;
    border-radius:30px;
    background:#D5A900;
    color:#FFFFFF;
    font-size:.9rem;
    transition:.3s;
}

.btn-cta:hover{
    background:#BD9400;
}


/*=====================================
FOOTER
=====================================*/

.footer{
    background:#091E6B;
    color:#FFFFFF;
    padding-top:70px;
}

.footer-grid{
    display:grid;
    grid-template-columns:1.5fr 1fr 1fr 1.2fr;
    gap:50px;
    padding-bottom:50px;
}

.footer-logo{
    width:90px;
    margin-bottom:20px;
}

.footer-marca p{
    max-width:280px;
    color:#C9D2EE;
    line-height:1.7;
    font-size:.9rem;
}

.footer-columna{
    display:flex;
    flex-direction:column;
    gap:13px;
}

.footer-columna h3{
    font-size:1rem;
    font-weight:500;
    margin-bottom:8px;
    color:#D5A900;
}

.footer-columna a,
.footer-columna span{
    color:#C9D2EE;
    font-size:.85rem;
    transition:.3s;
}

.footer-columna a:hover{
    color:#FFFFFF;
}

.footer-columna span{
    display:flex;
    align-items:center;
    gap:10px;
}

.footer-columna span i{
    color:#D5A900;
}

.redes{
    display:flex;
    gap:10px;
    margin-top:12px;
}

.redes a{
    width:38px;
    height:38px;
    display:flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    background:rgba(255,255,255,.1);
}

.redes a:hover{
    background:#D5A900;
    color:#FFFFFF;
}

.footer-final{
    border-top:1px solid rgba(255,255,255,.12);
    padding:22px 5%;
    display:flex;
    justify-content:space-between;
    gap:20px;
    color:#AEB9D8;
    font-size:.78rem;
}


/*=====================================
RESPONSIVE (MEDIA QUERIES)
=====================================*/

@media(max-width:1200px){

    .header-contenido,
    .hero-contenido,
    .contenedor{
        width:90%;
    }

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

    .presentacion .contenedor,
    .soluciones-contenido{
        gap:50px;
    }

    .footer-grid{
        gap:35px;
    }

}

@media(max-width:992px){

    .header-contenido{
        justify-content:space-between;
    }

    .header-acciones{
        display:flex;
        align-items:center;
        gap:12px;
    }

    .btn-menu{
        display:flex;
        align-items:center;
        justify-content:center;
        width:40px;
        height:40px;
        font-size:1.6rem;
    }

    .menu{
        position:absolute;
        top:calc(100% + 15px);
        left:5%;
        width:90%;
        margin:0;
        background:#091E6B;
        border-radius:16px;
        flex-direction:column;
        align-items:stretch;
        padding:0;
        max-height:0;
        overflow:hidden;
        transition:all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
        box-shadow:0 20px 40px rgba(0,0,0,0.4);
        border:1px solid rgba(255, 255, 255, 0.12);
        z-index:1001;
    }

    .menu.activo{
        max-height:320px;
        padding:10px 0;
    }

    .menu a{
        font-size:.95rem;
        font-weight:500;
        text-align:center;
        padding:12px 15px;
        border-bottom:1px solid rgba(255, 255, 255, 0.08); /* Separador limpio y claro */
        transition:all 0.25s ease;
    }

    .menu a:last-child{
        border-bottom:none;
    }

    .menu a:hover{
        background:rgba(213, 169, 0, 0.15);
        color:#D5A900;
        padding-left:15px;
    }

    .hero{
        min-height:680px;
    }

    .hero h1{
        font-size:3.6rem;
    }

    .presentacion .contenedor,
    .soluciones-contenido{
        grid-template-columns:1fr;
        gap:45px;
    }

    .presentacion-datos{
        grid-template-columns:repeat(3,1fr);
    }

    .dato{
        grid-template-columns:1fr;
        text-align:center;
        gap:8px;
    }

    .dato i{
        grid-row:auto;
    }

    .innovacion-grid{
        grid-template-columns:1fr;
    }

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

}

@media(max-width:768px){

    .header-contenido{
        height:76px;
    }

    .logo{
        width:85px;
    }

    .btn-asociado{
        display:none;
    }

    .btn-login{
        padding:10px 15px;
    }

    .hero{
        min-height:640px;
    }

    .hero-overlay{
        background:linear-gradient(90deg,rgba(13,42,148,.94),rgba(13,42,148,.72));
    }

    .hero-contenido{
        margin:70px auto 0;
    }

    .hero h1{
        max-width:600px;
        font-size:3.1rem;
    }

    .hero p{
        max-width:550px;
        font-size:1.05rem;
    }

    .presentacion,
    .servicios,
    .soluciones,
    .innovacion,
    .convenios{
        padding:80px 0;
    }

    .presentacion h2,
    .titulo-seccion h2,
    .soluciones h2{
        font-size:2.3rem;
    }

    .presentacion-datos{
        grid-template-columns:1fr;
    }

    .dato{
        grid-template-columns:55px 1fr;
        text-align:left;
        gap:0;
    }

    .dato i{
        grid-row:span 2;
    }

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

    .soluciones-card{
        min-height:280px;
    }

    .convenios-bloque{
        grid-template-columns:80px 1fr;
        gap:25px;
    }

    .convenios-bloque .btn-principal{
        grid-column:1 / -1;
        justify-self:start;
    }

    .cta{
        padding:85px 20px;
    }

    .cta h2{
        font-size:2.5rem;
    }

}

@media(max-width:576px){

    .contenedor,
    .header-contenido,
    .hero-contenido{
        width:90%;
    }

    .header-contenido{
        height:72px;
    }

    .logo{
        width:78px;
    }

    .btn-login{
        padding:9px 12px;
        font-size:.78rem;
    }

    .hero{
        min-height:620px;
    }

    .hero-contenido{
        margin-top:55px;
    }

    .hero-etiqueta,
    .seccion-etiqueta{
        font-size:.68rem;
        letter-spacing:1.5px;
    }

    .hero h1{
        margin:16px 0;
        font-size:2.45rem;
        line-height:1.15;
    }

    .hero p{
        font-size:.95rem;
        line-height:1.6;
        margin-bottom:28px;
    }

    .hero-botones{
        flex-direction:column;
        align-items:stretch;
    }

    .btn-principal,
    .btn-secundario{
        width:100%;
        min-height:50px;
    }

    .presentacion,
    .servicios,
    .soluciones,
    .innovacion,
    .convenios{
        padding:70px 0;
    }

    .presentacion h2,
    .titulo-seccion h2,
    .soluciones h2{
        font-size:1.95rem;
    }

    .servicios-grid{
        grid-template-columns:1fr;
    }

    .servicio{
        padding:28px 23px;
    }

    .soluciones-card{
        min-height:250px;
        padding:35px 25px;
    }

    .innovacion-card{
        padding:32px 24px;
    }

    .convenios-bloque{
        grid-template-columns:1fr;
        text-align:center;
        justify-items:center;
        padding:30px 25px;
    }

    .convenios-bloque .btn-principal{
        grid-column:auto;
        justify-self:center;
    }

    .cta{
        padding:75px 20px;
    }

    .cta h2{
        font-size:2.05rem;
    }

    .footer{
        padding-top:60px;
    }

    .footer-grid{
        grid-template-columns:1fr;
        gap:35px;
    }

    .footer-final{
        flex-direction:column;
        text-align:center;
        gap:8px;
    }

}


/*=====================================
AJUSTE APROBADO: LÍNEA DEL MENÚ TRANSPARENTE
=====================================*/

@media(max-width:992px){
    .menu{
        border:none !important;
        box-shadow:none !important;
    }

    .menu.activo{
        border:1px solid rgba(255, 255, 255, 0.12) !important;
        box-shadow:0 20px 40px rgba(0,0,0,0.4) !important;
    }
}