/* ===== Capital Express — Financiera Guatemala ===== */
:root {
  --navy: #0a2e4d;
  --navy-dark: #071f36;
  --green: #1c9a5b;
  --green-dark: #157a48;
  --green-light: #e6f7ee;
  --gray-bg: #f4f7fa;
  --text: #1c2b36;
  --text-muted: #5a6b78;
  --white: #ffffff;
  --shadow: 0 8px 24px rgba(10, 46, 77, 0.08);
  --radius: 16px;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  padding: 0;
  font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  background: var(--gray-bg);
  color: var(--text);
  min-height: 100vh;
}

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

/* ===== Header ===== */
.main-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: var(--white);
  padding: 12px 32px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 0;
  z-index: 100;
  gap: 20px;
}

.logo img {
  height: 64px;
  border-radius: 10px;
}

.name {
  text-align: center;
  flex: 1;
}

.name h1 {
  margin: 0;
  font-size: 1.6em;
  color: var(--navy);
  letter-spacing: 1px;
}

.name p {
  margin: 2px 0 0;
  color: var(--green-dark);
  font-weight: 600;
  font-size: 0.95em;
}

/* ===== Menú ===== */
.menu ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.menu > ul > li {
  position: relative;
  display: inline-block;
}

.menu a {
  color: var(--navy);
  text-decoration: none;
  padding: 12px 18px;
  display: block;
  font-weight: 700;
  border-radius: 10px;
  transition: background-color 0.2s ease, color 0.2s ease;
}

.menu > ul > li > a:hover {
  background-color: var(--green-light);
  color: var(--green-dark);
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  right: 0;
  background-color: var(--white);
  min-width: 200px;
  padding: 8px 0;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  z-index: 1000;
  overflow: hidden;
}

.dropdown-menu li a {
  color: var(--text);
  padding: 12px 20px;
  font-weight: 600;
}

.dropdown:hover .dropdown-menu {
  display: block;
}

.dropdown-menu li a:hover {
  background-color: var(--green-light);
  color: var(--green-dark);
}

/* ===== Hero ===== */
.hero {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 70px 32px;
  margin-top: 0;
}

.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 40px;
}

.hero-text {
  flex: 1;
  min-width: 300px;
}

.hero-text .tagline {
  display: inline-block;
  background: rgba(28, 154, 91, 0.2);
  color: #7be8ae;
  padding: 6px 16px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.85em;
  margin-bottom: 18px;
  letter-spacing: 0.5px;
}

.hero-text h2 {
  font-size: 2.3em;
  line-height: 1.25;
  margin: 0 0 18px;
}

.hero-text p {
  font-size: 1.1em;
  color: #cfe0ec;
  max-width: 520px;
  margin-bottom: 28px;
}

.hero-image {
  flex: 1;
  min-width: 280px;
}

.hero-image img {
  border-radius: var(--radius);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.35);
}

.btn {
  display: inline-block;
  padding: 14px 30px;
  border-radius: 999px;
  font-weight: 700;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 10px 20px rgba(28, 154, 91, 0.35);
}

.btn-primary:hover {
  background: var(--green-dark);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.4);
  margin-left: 12px;
}

.btn-secondary:hover {
  border-color: var(--white);
}

/* ===== Stats bar ===== */
.stats-bar {
  max-width: 1200px;
  margin: -35px auto 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  display: flex;
  flex-wrap: wrap;
  padding: 24px;
  position: relative;
  z-index: 2;
}

.stat {
  flex: 1;
  min-width: 150px;
  text-align: center;
  padding: 10px;
}

.stat strong {
  display: block;
  font-size: 1.6em;
  color: var(--navy);
}

.stat span {
  color: var(--text-muted);
  font-size: 0.9em;
}

/* ===== Sections ===== */
.section {
  padding: 60px 24px;
  max-width: 1200px;
  margin: auto;
}

.section-alt {
  background-color: var(--white);
}

.section-title {
  text-align: center;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 1.9em;
}

.section-subtitle {
  text-align: center;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto 40px;
}

.two-columns {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  align-items: center;
  justify-content: space-between;
}

.column {
  flex: 1;
  min-width: 300px;
}

.column h2 {
  color: var(--navy);
  font-size: 1.7em;
}

.column img {
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.column p {
  color: var(--text-muted);
  line-height: 1.7;
}

/* ===== Requisitos cards ===== */
.requisitos-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.req-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--green);
}

.req-card h3 {
  color: var(--navy);
  margin-top: 0;
  font-size: 1.2em;
}

.req-card ul {
  margin: 0;
  padding-left: 20px;
  color: var(--text-muted);
  line-height: 1.8;
}

.req-card li {
  margin-bottom: 4px;
}

.req-card p {
  color: var(--text-muted);
  line-height: 1.7;
  margin: 0;
}

/* ===== Beneficios ===== */
.beneficios-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.beneficio {
  background: var(--white);
  border-radius: var(--radius);
  padding: 26px 20px;
  text-align: center;
  box-shadow: var(--shadow);
}

.beneficio .icon {
  width: 52px;
  height: 52px;
  margin: 0 auto 14px;
  background: var(--green-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5em;
  color: var(--green-dark);
}

.beneficio h4 {
  margin: 0 0 6px;
  color: var(--navy);
}

.beneficio p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95em;
}

/* ===== CTA final ===== */
.cta-final {
  background: linear-gradient(120deg, var(--green-dark), var(--green));
  color: var(--white);
  text-align: center;
  padding: 60px 24px;
  border-radius: var(--radius);
  max-width: 1200px;
  margin: 0 auto 60px;
}

.cta-final h2 {
  margin-top: 0;
  font-size: 1.8em;
}

.cta-final p {
  color: #e6f7ee;
  max-width: 560px;
  margin: 0 auto 26px;
}

.cta-final .btn-primary {
  background: var(--white);
  color: var(--green-dark);
  box-shadow: 0 10px 20px rgba(0, 0, 0, 0.15);
}

.cta-final .btn-primary:hover {
  background: #eafff3;
}

/* ===== Page hero (páginas internas) ===== */
.page-hero {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 50px 32px;
  text-align: center;
}

.page-hero h1 {
  margin: 0 0 10px;
  font-size: 2em;
}

.page-hero p {
  margin: 0 auto;
  max-width: 600px;
  color: #cfe0ec;
  font-size: 1.05em;
}

/* ===== Pasos (cómo trabajamos) ===== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 22px;
  box-shadow: var(--shadow);
  text-align: center;
}

.step .step-number {
  width: 44px;
  height: 44px;
  margin: 0 auto 16px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.1em;
}

.step h4 {
  margin: 0 0 8px;
  color: var(--navy);
}

.step p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95em;
}

/* ===== Contacto ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 30px;
}

@media (max-width: 800px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }
}

.contact-info-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
}

.contact-info-card h3 {
  margin-top: 0;
}

.contact-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 22px;
}

.contact-item .icon {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  background: rgba(28, 154, 91, 0.25);
  color: #7be8ae;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1em;
}

.contact-item strong {
  display: block;
  margin-bottom: 2px;
}

.contact-item span,
.contact-item a {
  color: #cfe0ec;
  text-decoration: none;
  font-size: 0.95em;
}

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px 28px;
}

.contact-form-card h3 {
  margin-top: 0;
  color: var(--navy);
}

.form-row {
  margin-bottom: 18px;
}

.form-row label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
  font-size: 0.9em;
}

.form-row input,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #dbe4ec;
  border-radius: 10px;
  font-size: 0.95em;
  font-family: inherit;
  background: var(--gray-bg);
  color: var(--text);
}

.form-row textarea {
  resize: vertical;
  min-height: 110px;
}

.form-success {
  background: var(--green-light);
  color: var(--green-dark);
  border-radius: 10px;
  padding: 14px 18px;
  margin-bottom: 20px;
  font-weight: 600;
}

.form-error {
  background: #fdecea;
  color: #c0392b;
  border-radius: 10px;
  padding: 14px 18px;
  margin-bottom: 20px;
  font-weight: 600;
}

/* ===== Simulador ===== */
.simulator-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 36px;
  max-width: 720px;
  margin: 0 auto;
}

.simulator-field {
  margin-bottom: 28px;
}

.simulator-field label {
  display: flex;
  justify-content: space-between;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.simulator-field label span {
  color: var(--green-dark);
}

.simulator-field label span.monto-editable {
  cursor: pointer;
  border-bottom: 1px dashed var(--green-dark);
}

.monto-editable-input {
  width: 140px;
  font: inherit;
  font-weight: 700;
  color: var(--green-dark);
  border: none;
  border-bottom: 1px solid var(--green-dark);
  background: transparent;
  padding: 0 2px;
}

.monto-editable-input:focus {
  outline: none;
}

.simulator-field input[type="range"] {
  width: 100%;
  accent-color: var(--green);
}

.simulator-field select {
  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid #dbe4ec;
  background: var(--gray-bg);
  font-size: 1em;
  color: var(--text);
}

.simulator-result {
  background: var(--green-light);
  border-radius: var(--radius);
  padding: 26px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 18px;
  text-align: center;
  margin-bottom: 24px;
}

.simulator-result .result-item strong {
  display: block;
  font-size: 1.4em;
  color: var(--navy);
}

.simulator-result .result-item span {
  color: var(--text-muted);
  font-size: 0.85em;
}

.simulator-disclaimer {
  font-size: 0.85em;
  color: var(--text-muted);
  text-align: center;
  margin-top: 18px;
}

/* ===== Footer ===== */
footer {
  background-color: var(--navy-dark);
  color: #cfe0ec;
  padding: 40px 32px 24px;
  margin-top: 0;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 30px;
  justify-content: space-between;
  align-items: flex-start;
}

.footer-brand {
  display: flex;
  align-items: center;
  gap: 14px;
}

.footer-brand img {
  width: 56px;
  height: 56px;
  border-radius: 12px;
  object-fit: cover;
}

.footer-brand h3 {
  margin: 0;
  color: var(--white);
}

.footer-brand p {
  margin: 4px 0 0;
  font-size: 0.85em;
  color: #90a5b8;
}

.footer-info h4 {
  margin: 6px 0;
  font-size: 0.9em;
  font-weight: 400;
  color: #cfe0ec;
}

.footer-bottom {
  text-align: center;
  margin-top: 30px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.85em;
  color: #7d93a6;
}

/* ===== Banner promocional ===== */
.promo-banner {
  max-width: 1200px;
  margin: 0 auto 40px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.promo-banner img {
  width: 100%;
  display: block;
  border-radius: 0;
}

/* ===== Dashboard (panel administrador) ===== */
.dashboard-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
}

.dashboard-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px 24px;
  text-align: center;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  border-top: 4px solid var(--green);
}

.dashboard-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 30px rgba(10, 46, 77, 0.15);
}

.dashboard-card img {
  width: 64px;
  height: 64px;
  object-fit: contain;
  margin-bottom: 16px;
}

.dashboard-card span {
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.3px;
}

/* ===== Tablas de datos (panel administrador) ===== */
.data-table-wrap {
  overflow-x: auto;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 8px;
  max-width: 1100px;
  margin: 0 auto;
}

.data-table-wrap table {
  width: 100%;
  border-collapse: collapse;
}

.data-table-wrap th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 16px;
  text-align: center;
  font-size: 0.85em;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.data-table-wrap td {
  padding: 12px 16px;
  text-align: center;
  border-bottom: 1px solid #eef2f6;
}

.data-table-wrap tr:hover td {
  background: var(--green-light);
}

.data-table-wrap input[type="text"] {
  padding: 8px 10px;
  border: 1px solid #dbe4ec;
  border-radius: 8px;
  background: var(--gray-bg);
  width: 100%;
  box-sizing: border-box;
}

.accion-cell {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 6px;
  min-width: 150px;
}

.data-table-wrap button {
  background: var(--green);
  color: var(--white);
  border: none;
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 0.8em;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
  line-height: 1.4;
}

.data-table-wrap button:hover {
  background: var(--green-dark);
}

.data-table-wrap button.btn-desactivar {
  background: #e74c3c;
}

.data-table-wrap button.btn-desactivar:hover {
  background: #c0392b;
}

.data-table-wrap button.btn-activar {
  background: var(--navy);
}

.data-table-wrap button.btn-activar:hover {
  background: var(--navy-dark);
}

.data-table-wrap button.btn-eliminar {
  background: transparent;
  color: #c0392b;
  border: 2px solid #e74c3c;
  padding: 4px 10px;
}

.data-table-wrap button.btn-eliminar:hover {
  background: #e74c3c;
  color: var(--white);
}

.estado-badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 999px;
  font-size: 0.8em;
  font-weight: 700;
}

.estado-badge.activa {
  background: var(--green-light);
  color: var(--green-dark);
}

.estado-badge.bloqueada {
  background: #fdecea;
  color: #c0392b;
}

.estado-badge.pendiente {
  background: #fef3e2;
  color: #b9770e;
}

/* Banner de cuenta bloqueada (se muestra encima de la info, sin ocultarla) */
.blocked-banner {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  max-width: 720px;
  margin: 0 auto 24px;
  background: #fdecea;
  border: 1px solid #f5c6c0;
  border-radius: var(--radius);
  padding: 20px 24px;
}

.blocked-banner .icon {
  font-size: 1.8em;
  line-height: 1;
}

.blocked-banner strong {
  display: block;
  color: #c0392b;
  font-size: 1.05em;
  margin-bottom: 4px;
}

.blocked-banner p {
  margin: 0;
  color: #a93226;
  font-size: 0.9em;
}

/* ===== Portal de cliente ===== */
.client-shell {
  max-width: 720px;
  margin: 0 auto;
}

.fecha-actual {
  text-align: center;
  margin: 0 auto 18px;
  font-size: 0.95em;
  font-weight: 600;
  color: var(--text-muted);
}

/* Pestañas del portal de cliente */
.client-tabs {
  display: flex;
  gap: 8px;
  background: var(--white);
  border-radius: 999px;
  box-shadow: var(--shadow);
  padding: 6px;
  margin: 0 auto 32px;
  max-width: 520px;
}

.client-tabs a {
  flex: 1;
  text-align: center;
  padding: 12px 16px;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.9em;
  color: var(--text-muted);
  transition: background-color 0.2s ease, color 0.2s ease;
}

.client-tabs a:hover {
  background: var(--green-light);
  color: var(--green-dark);
}

.client-tabs a.active {
  background: var(--navy);
  color: var(--white);
}

.client-tabs a.tab-highlight {
  background: var(--green);
  color: var(--white);
}

.client-tabs a.tab-highlight:hover {
  background: var(--green-dark);
  color: var(--white);
}

.client-tabs a.disabled {
  opacity: 0.5;
  cursor: not-allowed;
  pointer-events: none;
}

/* Tarjeta de cuenta bancaria */
.bank-card {
  position: relative;
  overflow: hidden;
  padding: 32px;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, var(--green-dark) 100%);
  border-radius: var(--radius);
  box-shadow: 0 20px 40px rgba(7, 31, 54, 0.35);
  color: var(--white);
  margin-bottom: 24px;
}

.bank-card::after {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: 50%;
}

.bank-card .bank-card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 36px;
}

.bank-card .bank-card-brand {
  font-weight: 700;
  letter-spacing: 1px;
  font-size: 0.95em;
  color: #cfe0ec;
}

.bank-card .bank-card-status {
  font-size: 0.75em;
  background: rgba(255, 255, 255, 0.15);
  padding: 4px 12px;
  border-radius: 999px;
  font-weight: 700;
}

.bank-card .bank-card-balance-label {
  color: #9fb7c9;
  font-size: 0.85em;
  margin: 0 0 4px;
}

.bank-card .bank-card-balance {
  font-size: 2.1em;
  font-weight: 700;
  margin: 0 0 24px;
}

.bank-card .bank-card-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 12px;
}

.bank-card .bank-card-number {
  font-size: 1.05em;
  letter-spacing: 2px;
  color: #e6eef4;
}

.bank-card .bank-card-holder {
  font-size: 0.8em;
  color: #9fb7c9;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 4px;
}

/* Acciones rápidas */
.quick-actions {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 14px;
  margin-bottom: 24px;
}

.quick-actions button,
.quick-actions a {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: none;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px 14px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  font-size: 0.95em;
  cursor: pointer;
  font-family: inherit;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.quick-actions button:hover,
.quick-actions a:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 30px rgba(10, 46, 77, 0.15);
}

.quick-actions button:disabled,
.quick-actions a.disabled {
  opacity: 0.5;
  cursor: not-allowed;
  pointer-events: none;
}

.quick-actions button:disabled:hover,
.quick-actions a.disabled:hover {
  transform: none;
  box-shadow: var(--shadow);
}

.quick-actions .qa-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--green-light);
  color: var(--green-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3em;
}

#session-timer {
  text-align: center;
  font-size: 0.85em;
  color: var(--text-muted);
  margin-bottom: 24px;
}

#session-timer span {
  font-weight: bold;
  color: var(--green-dark);
}

/* Mis créditos */
.credito-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 26px 28px;
  margin-bottom: 20px;
  border-left: 5px solid var(--green);
}

.credito-card .credito-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 18px;
}

.credito-card .credito-top h3 {
  margin: 0;
  color: var(--navy);
}

.credito-detalles {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 16px;
}

.credito-detalles div strong {
  display: block;
  color: var(--navy);
  font-size: 1.1em;
}

.credito-detalles div span {
  color: var(--text-muted);
  font-size: 0.85em;
}

.sin-creditos {
  text-align: center;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px 28px;
}

.sin-creditos p {
  color: var(--text-muted);
  margin-bottom: 20px;
}

/* ===== Panel de administrador: créditos ===== */
.admin-creditos-list {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.admin-credito-card .credito-top h3 {
  margin: 0;
  font-size: 1.1em;
}

.admin-credito-card .credito-top small {
  color: var(--text-muted);
  font-weight: 400;
  font-size: 0.85em;
}

.admin-credito-section {
  border-top: 1px solid #eef2f6;
  margin-top: 16px;
  padding-top: 16px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 10px;
}

.admin-credito-section div {
  font-size: 0.9em;
  color: var(--text);
}

.admin-credito-section strong {
  color: var(--navy);
}

.admin-credito-card form {
  margin-top: 18px;
}

.admin-credito-card .btn {
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 1em;
}

.sin-solicitud {
  text-align: center;
  padding: 60px 20px;
  color: var(--text-muted);
}

/* ===== Formulario de solicitud de crédito ===== */
.step-indicator {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-bottom: 24px;
}

.step-indicator .step-dot {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85em;
  font-weight: 700;
  color: var(--text-muted);
}

.step-indicator .step-dot span {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: #e3e9ef;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-indicator .step-dot.current span {
  background: var(--green);
  color: var(--white);
}

.step-indicator .step-dot.current {
  color: var(--navy);
}

.referencia-block {
  border: 1px solid #e3e9ef;
  border-radius: 12px;
  padding: 18px;
  margin-bottom: 18px;
}

.referencia-block h4 {
  margin: 0 0 14px;
  color: var(--navy);
  font-size: 0.95em;
}

.form-row-inline {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 14px;
}

.form-actions {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}

.form-actions .btn-back {
  flex: 1;
  background: var(--gray-bg);
  color: var(--navy);
  border: 1px solid #dbe4ec;
  border-radius: 999px;
  padding: 14px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  font-size: 1em;
}

.form-actions button[type="submit"],
.form-actions .btn-continuar {
  flex: 2;
  border: none;
}

/* Spinner de estudio crediticio */
.spinner {
  width: 56px;
  height: 56px;
  border: 5px solid var(--green-light);
  border-top-color: var(--green);
  border-radius: 50%;
  margin: 0 auto 20px;
  animation: spin 0.9s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.progress-bar {
  width: 100%;
  height: 8px;
  background: var(--gray-bg);
  border-radius: 999px;
  overflow: hidden;
  margin-top: 16px;
}

.progress-bar-fill {
  height: 100%;
  width: 0%;
  background: var(--green);
  border-radius: 999px;
  transition: width 0.3s linear;
}

.success-icon {
  font-size: 2.4em;
  margin-bottom: 10px;
}

/* ===== Modal genérico ===== */
.modal {
  display: none;
  position: fixed;
  z-index: 1000;
  inset: 0;
  overflow: auto;
  background-color: rgba(7, 31, 54, 0.6);
  align-items: center;
  justify-content: center;
}

.modal-content {
  background-color: var(--white);
  margin: 15% auto;
  padding: 28px;
  border-radius: var(--radius);
  width: 90%;
  max-width: 420px;
  text-align: center;
  box-shadow: var(--shadow);
  position: relative;
}

.modal-content h2,
.modal-content h3 {
  color: var(--navy);
  margin-top: 0;
}

.modal-content .close {
  color: #aaa;
  position: absolute;
  top: 12px;
  right: 16px;
  font-size: 24px;
  font-weight: bold;
  cursor: pointer;
}

.modal-content button {
  background: var(--green);
  color: var(--white);
  border: none;
  border-radius: 999px;
  padding: 10px 22px;
  font-weight: 700;
  cursor: pointer;
  margin-top: 14px;
}

.modal-content button:hover {
  background: var(--green-dark);
}

/* ===== Notificaciones ===== */
.notification-bell {
  position: fixed;
  bottom: 96px;
  right: 24px;
  background: var(--white);
  color: var(--navy);
  font-size: 1.4em;
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow);
  z-index: 998;
}

.notification-count {
  position: absolute;
  top: -6px;
  right: -6px;
  background: #e74c3c;
  color: var(--white);
  font-size: 0.7em;
  padding: 2px 6px;
  border-radius: 50%;
}

.notification-panel {
  position: fixed;
  bottom: 156px;
  right: 24px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
  display: none;
  width: 300px;
  z-index: 998;
}

.notification-panel h4 {
  margin: 0 0 10px;
  color: var(--navy);
}

.notification-panel ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.notification-panel li {
  padding: 10px 0;
  border-bottom: 1px solid #eef2f6;
  position: relative;
  color: var(--text-muted);
  font-size: 0.9em;
}

.notification-panel li strong {
  color: var(--navy);
}

.notification-panel li button {
  position: absolute;
  right: 0;
  top: 10px;
  font-size: 12px;
  background: none;
  border: none;
  cursor: pointer;
  color: #e74c3c;
}

/* ===== Banner de promoción interna (¿otro préstamo?) ===== */
.upsell-banner {
  max-width: 440px;
  margin: 0 auto 40px;
  background: var(--green-light);
  border: 1px solid rgba(28, 154, 91, 0.25);
  border-radius: var(--radius);
  padding: 22px 24px;
  text-align: center;
}

.upsell-banner p {
  margin: 0 0 14px;
  color: var(--navy);
  font-weight: 600;
}

/* ===== Botón flotante de WhatsApp ===== */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 60px;
  height: 60px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3);
  z-index: 999;
  animation: whatsappPulse 2.5s ease infinite;
  transition: transform 0.2s ease;
}

.whatsapp-float:hover {
  transform: scale(1.08);
}

.whatsapp-float svg {
  width: 32px;
  height: 32px;
  fill: #ffffff;
}

@keyframes whatsappPulse {
  0% {
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3), 0 0 0 0 rgba(37, 211, 102, 0.5);
  }
  70% {
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3), 0 0 0 14px rgba(37, 211, 102, 0);
  }
  100% {
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3), 0 0 0 0 rgba(37, 211, 102, 0);
  }
}

@media (max-width: 720px) {
  .whatsapp-float {
    bottom: 16px;
    right: 16px;
    width: 54px;
    height: 54px;
  }
}

/* ===== Responsive ===== */
@media (max-width: 720px) {
  .main-header {
    flex-direction: column;
    gap: 10px;
  }

  .hero {
    padding: 50px 20px;
  }

  .hero-text h2 {
    font-size: 1.7em;
  }

  .stats-bar {
    margin-top: 20px;
  }

  .cta-final {
    border-radius: 0;
  }
}