/**
 * SUCURSAL VIRTUAL NEGOCIOS — BANCOLOMBIA
 * Sistema de Diseño Corporativo y Arquitectura de Conversión (CRO + SEO)
 * 100% Inlined / Rendimiento Máximo / Cero Bloqueo de Renderizado
 */

:root {
  --brand-yellow: #FDDA24;
  --brand-yellow-hover: #ECC413;
  --brand-yellow-dark: #7A6000;
  --brand-yellow-light: #FFFDE7;
  --brand-yellow-border: #F8E783;

  --brand-black: #2C2A29;
  --brand-black-deep: #1A1818;
  --brand-black-hover: #3E3B3A;

  --bg-page: #FAF9F6;
  --bg-surface: #FFFFFF;
  --bg-subtle: #F4F3F0;
  --bg-dark: #2C2A29;

  --text-main: #111315;
  --text-body: #2B2F38;
  --text-muted: #5E6573;
  --text-light: #7D8594;

  --border-main: #E2E3E8;
  --border-light: #EDEFF2;
  --border-strong: #C9CCD4;

  --success-color: #0C5E47;
  --success-bg: #E8F5E9;
  --danger-color: #A31212;
  --danger-bg: #FFEBEE;
  --info-color: #0D47A1;
  --info-bg: #E3F2FD;

  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-mono: "SF Mono", Monaco, "Cascadia Code", Consolas, monospace;

  --container-max: 1200px;
  --editorial-max: 860px;
  --header-height: 72px;

  --shadow-sm: 0 2px 6px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 6px 18px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 12px 36px rgba(0, 0, 0, 0.12);
  --shadow-yellow: 0 6px 20px rgba(253, 218, 36, 0.4);
}

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  padding: 0;
  font-family: var(--font-sans);
  background-color: var(--bg-page);
  color: var(--text-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Barra de progreso de lectura */
.reading-progress-container {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: transparent;
  z-index: 1100;
}
.reading-progress-bar {
  height: 100%;
  width: 0%;
  background: var(--brand-yellow);
  box-shadow: 0 0 8px rgba(253, 218, 36, 0.8);
}

/* Barra Superior Institucional (Estilo Bancolombia) */
.top-notice-bar {
  background: var(--brand-black-deep);
  color: #FFFFFF;
  padding: 8px 0;
  font-size: 0.82rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.top-notice-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.top-bar-tabs {
  display: flex;
  align-items: center;
  gap: 12px;
}
.top-tab {
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  padding: 4px 10px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  transition: all 0.2s ease;
}
.top-tab:hover {
  color: #FFFFFF;
  background: rgba(255, 255, 255, 0.12);
}
.top-tab.active {
  background: var(--brand-yellow);
  color: var(--brand-black);
  font-weight: 800;
}
.top-bar-secure {
  display: flex;
  align-items: center;
  gap: 6px;
  color: #A3D8C8;
  font-size: 0.78rem;
  font-weight: 700;
}

/* Cabecera Principal */
.site-header {
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-main);
  z-index: 1000;
}
.header-inner {
  height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.brand-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--brand-black);
  color: var(--brand-yellow);
  font-size: 1.25rem;
  font-weight: 900;
  border-radius: 8px;
  border: 1px solid var(--brand-black);
}
.brand-title-wrap {
  display: flex;
  flex-direction: column;
}
.brand-title {
  font-size: 1.05rem;
  font-weight: 900;
  letter-spacing: -0.02em;
  color: var(--brand-black);
  line-height: 1.15;
}
.brand-subtitle {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
}

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 22px;
}
.nav-desktop a {
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-body);
  transition: color 0.2s ease;
  position: relative;
  padding: 6px 0;
}
.nav-desktop a:hover {
  color: var(--brand-black);
}
.nav-desktop a::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background: var(--brand-yellow);
  transition: width 0.2s ease;
}
.nav-desktop a:hover::after {
  width: 100%;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}
.btn-header-entrar {
  background: var(--brand-yellow);
  color: var(--brand-black) !important;
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 800;
  padding: 10px 22px;
  border-radius: 6px;
  box-shadow: 0 4px 12px rgba(253, 218, 36, 0.4);
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn-header-entrar:hover {
  background: var(--brand-yellow-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(253, 218, 36, 0.5);
}

.search-trigger {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  background: var(--bg-subtle);
  border: 1px solid var(--border-main);
  border-radius: 6px;
  cursor: pointer;
  color: var(--text-body);
  transition: all 0.2s ease;
}
.search-trigger:hover {
  background: #FFFFFF;
  border-color: var(--text-main);
}
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border-main);
  border-radius: 6px;
  padding: 8px;
  cursor: pointer;
  color: var(--text-main);
}

/* Contenedores */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}
.container-editorial {
  width: 100%;
  max-width: var(--editorial-max);
  margin-left: auto;
  margin-right: auto;
}

/* HERO SECTION */
.hero-editorial {
  padding: 56px 0;
  background: linear-gradient(180deg, #FAF9F6 0%, #FFFFFF 100%);
  border-bottom: 1px solid var(--border-main);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
}
.hero-badge-status {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  color: #15803D;
  font-size: 0.78rem;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 16px;
}
.status-pulse {
  width: 8px;
  height: 8px;
  background: #22C55E;
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(34, 197, 94, 0.3);
}
.hero-pretitle {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-muted);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.hero-title {
  font-size: clamp(2.1rem, 4vw, 3.2rem);
  font-weight: 900;
  line-height: 1.12;
  letter-spacing: -0.03em;
  color: var(--brand-black);
  margin: 0 0 16px 0;
}
.hero-title span {
  background: linear-gradient(135deg, var(--brand-black) 0%, #44403C 100%);
  -webkit-background-clip: text;
  background-clip: text;
}
.hero-lead {
  font-size: 1.12rem;
  color: var(--text-body);
  line-height: 1.65;
  margin-bottom: 24px;
}
.hero-ctas {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.btn-primary-yellow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--brand-yellow);
  color: var(--brand-black) !important;
  text-decoration: none;
  font-size: 1.05rem;
  font-weight: 900;
  padding: 14px 28px;
  border-radius: 8px;
  box-shadow: 0 6px 20px rgba(253, 218, 36, 0.45);
  transition: all 0.22s ease;
}
.btn-primary-yellow:hover {
  background: var(--brand-yellow-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(253, 218, 36, 0.6);
}
.btn-secondary-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--brand-black) !important;
  border: 2px solid var(--brand-black);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 800;
  padding: 12px 24px;
  border-radius: 8px;
  transition: all 0.22s ease;
}
.btn-secondary-outline:hover {
  background: var(--brand-black);
  color: #FFFFFF !important;
}

.hero-meta-trust {
  margin-top: 20px;
  font-size: 0.84rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.hero-meta-trust code {
  background: #ECEFF1;
  padding: 2px 6px;
  border-radius: 4px;
  font-weight: 700;
  color: var(--brand-black);
}

/* TARJETA ASISTENTE INTERACTIVO DE TRÁMITES */
.biz-assistant-card {
  background: #FFFFFF;
  border: 1px solid var(--border-main);
  border-top: 5px solid var(--brand-yellow);
  padding: 28px;
  border-radius: 12px;
  box-shadow: var(--shadow-md);
}
.biz-card-tag {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.biz-card-tag span {
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--brand-yellow-dark);
}
.biz-badge-ach {
  background: var(--brand-yellow-light);
  color: var(--brand-black);
  font-size: 0.75rem;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 999px;
  border: 1px solid var(--brand-yellow-border);
}
.biz-card-title {
  font-size: 1.35rem;
  font-weight: 900;
  color: var(--brand-black);
  margin: 0 0 8px 0;
}
.biz-form-group {
  margin-bottom: 16px;
}
.biz-form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--text-main);
  margin-bottom: 6px;
}
.biz-select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border-main);
  border-radius: 6px;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  background: #FAF9F6;
  color: var(--text-main);
  font-weight: 700;
}
.biz-details-box {
  background: #FAF8FC;
  border: 1px solid #ECE3F2;
  border-left: 4px solid var(--brand-black);
  padding: 16px;
  border-radius: 6px;
  margin-bottom: 18px;
}
.btn-copy-portal {
  display: block;
  width: 100%;
  text-align: center;
  background: #FAF9F6;
  border: 1.5px solid var(--border-strong);
  color: var(--brand-black);
  font-weight: 800;
  padding: 11px;
  font-size: 0.88rem;
  cursor: pointer;
  border-radius: 6px;
  transition: all 0.2s ease;
}
.btn-copy-portal:hover {
  background: var(--brand-black);
  color: #FFFFFF;
}

/* CINTA PROMO RIBBON */
.promo-ribbon {
  background: var(--brand-yellow-light);
  border-top: 1px solid var(--brand-yellow-border);
  border-bottom: 1px solid var(--brand-yellow-border);
  padding: 16px 0;
  margin: 36px 0;
}
.promo-ribbon-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.promo-ribbon-text {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--brand-black);
  display: flex;
  align-items: center;
  gap: 12px;
}
.promo-badge {
  background: var(--brand-black);
  color: #FFFFFF;
  font-size: 0.72rem;
  font-weight: 800;
  padding: 4px 10px;
  border-radius: 999px;
  text-transform: uppercase;
}
.btn-promo-ribbon {
  background: var(--brand-black);
  color: #FFFFFF !important;
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 800;
  padding: 9px 22px;
  border-radius: 999px;
  transition: all 0.2s ease;
  white-space: nowrap;
}
.btn-promo-ribbon:hover {
  background: var(--brand-black-hover);
  transform: translateY(-1px);
}

/* SECCIONES Y ENCABEZADOS EDITORIALES */
.section-header {
  margin-bottom: 32px;
}
.section-tag {
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brand-yellow-dark);
  margin-bottom: 4px;
}
.section-title {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 900;
  color: var(--brand-black);
  margin: 0 0 10px 0;
  letter-spacing: -0.02em;
}
.section-lead {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 820px;
  margin: 0;
}

/* TARJETAS DE SEGMENTOS BANCOLOMBIA */
.segments-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin-bottom: 56px;
}
.segment-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-main);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.segment-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}
.segment-card-head {
  padding: 24px;
  color: #FFFFFF;
}
.head-pymes {
  background: linear-gradient(135deg, #FFC107, #E65100);
}
.head-empresariales {
  background: linear-gradient(135deg, #1976D2, #0D47A1);
}
.head-corporativa {
  background: linear-gradient(135deg, #2C2A29, #111111);
}
.head-independientes {
  background: linear-gradient(135deg, #00897B, #004D40);
}
.segment-card-tag {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  opacity: 0.9;
  margin-bottom: 4px;
}
.segment-card-title {
  font-size: 1.3rem;
  font-weight: 900;
  margin: 0;
  line-height: 1.2;
}
.segment-card-body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}
.segment-card-body p {
  font-size: 0.92rem;
  color: var(--text-body);
  margin: 0 0 16px 0;
  flex-grow: 1;
}
.segment-card-link {
  font-weight: 800;
  font-size: 0.92rem;
  color: var(--brand-black);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.2s ease;
}
.segment-card-link:hover {
  gap: 8px;
  color: var(--brand-yellow-dark);
}

/* PASO A PASO HOWTO CARDS */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-bottom: 48px;
}
.step-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-main);
  border-top: 4px solid var(--brand-yellow);
  padding: 24px;
  border-radius: 8px;
}
.step-number {
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--brand-yellow-dark);
  margin-bottom: 6px;
  letter-spacing: 0.05em;
}
.step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--brand-black);
  margin: 0 0 10px 0;
}
.step-desc {
  font-size: 0.9rem;
  color: var(--text-body);
  margin: 0;
}

/* TABLAS EDITORIALES */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  border-radius: 8px;
  border: 1px solid var(--border-main);
  background: #FFFFFF;
  margin-bottom: 48px;
}
.editorial-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  text-align: left;
}
.editorial-table th {
  background: var(--brand-black);
  color: #FFFFFF;
  padding: 14px 18px;
  font-weight: 700;
  font-size: 0.88rem;
}
.editorial-table td {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-body);
}
.editorial-table tr:hover td {
  background: #FAF9F6;
}

/* CALLOUTS Y ALERTAS DE SEGURIDAD */
.callout {
  padding: 22px;
  border-radius: 8px;
  margin-bottom: 32px;
}
.callout-seguridad {
  background: #FDF9E7;
  border: 1px solid var(--brand-yellow-border);
  border-left: 5px solid var(--brand-yellow);
}
.callout-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-black);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* PREGUNTAS FRECUENTES (FAQ) */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 56px;
}
.faq-item {
  background: var(--bg-surface);
  border: 1px solid var(--border-main);
  border-radius: 8px;
  overflow: hidden;
}
.faq-trigger {
  width: 100%;
  padding: 18px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-sans);
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--brand-black);
  transition: background 0.2s ease;
}
.faq-trigger:hover {
  background: #FAF9F6;
}
.faq-icon {
  transition: transform 0.25s ease;
  flex-shrink: 0;
  color: var(--text-muted);
}
.faq-item.open .faq-icon {
  transform: rotate(180deg);
  color: var(--brand-yellow-dark);
}
.faq-content {
  display: none;
  padding: 0 24px 20px 24px;
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
}
.faq-item.open .faq-content {
  display: block;
}

/* MODAL DE BÚSQUEDA */
.search-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.6);
  backdrop-filter: blur(4px);
  display: none;
  align-items: flex-start;
  justify-content: center;
  padding-top: 10vh;
  z-index: 1200;
}
.search-modal.active {
  display: flex;
}
.search-dialog {
  background: #FFFFFF;
  width: 100%;
  max-width: 600px;
  border-radius: 10px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.search-input-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border-main);
}
.search-input {
  flex-grow: 1;
  border: none;
  outline: none;
  font-family: var(--font-sans);
  font-size: 1.05rem;
  color: var(--text-main);
}
.search-close-btn {
  background: var(--bg-subtle);
  border: 1px solid var(--border-main);
  border-radius: 4px;
  padding: 3px 8px;
  font-size: 0.75rem;
  font-family: var(--font-mono);
  cursor: pointer;
}
.search-results-list {
  list-style: none;
  margin: 0;
  padding: 8px 0;
  max-height: 380px;
  overflow-y: auto;
}
.search-result-item {
  padding: 12px 20px;
  cursor: pointer;
  transition: background 0.15s ease;
  border-bottom: 1px solid var(--border-light);
}
.search-result-item:hover {
  background: #FAF8FC;
}
.search-result-title {
  font-weight: 700;
  color: var(--brand-black);
  font-size: 0.95rem;
}
.search-result-snippet {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* MENÚ MÓVIL */
.mobile-nav-drawer {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.5);
  display: none;
  z-index: 1200;
}
.mobile-nav-drawer.active {
  display: flex;
}
.mobile-drawer-content {
  background: #FFFFFF;
  width: 300px;
  height: 100%;
  padding: 24px;
  display: flex;
  flex-direction: column;
}
.mobile-drawer-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  border-bottom: 1px solid var(--border-main);
  padding-bottom: 12px;
}
.mobile-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.mobile-nav-list li {
  margin-bottom: 14px;
}
.mobile-nav-list a {
  text-decoration: none;
  color: var(--brand-black);
  font-weight: 700;
  font-size: 1rem;
}

/* WIDGET FLOTANTE DE ASISTENCIA */
.floating-help-widget {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  background: var(--brand-black);
  color: #FFFFFF !important;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 18px;
  border-radius: 999px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.floating-help-widget:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.5);
}
.floating-help-text {
  display: flex;
  flex-direction: column;
}
.floating-help-title {
  font-size: 0.82rem;
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.2;
}
.floating-help-sub {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.75);
}
.floating-help-icon {
  width: 32px;
  height: 32px;
  background: var(--brand-yellow);
  color: var(--brand-black);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
}

/* FOOTER CORPORATIVO */
.site-footer {
  background: var(--brand-black-deep);
  color: rgba(255, 255, 255, 0.82);
  padding: 56px 0 28px 0;
  font-size: 0.88rem;
  border-top: 4px solid var(--brand-yellow);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 40px;
}
.footer-col-title {
  color: #FFFFFF;
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}
.footer-links-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-links-list li {
  margin-bottom: 10px;
}
.footer-links-list a {
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  transition: color 0.2s ease;
}
.footer-links-list a:hover {
  color: var(--brand-yellow);
}
.footer-disclaimer {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 20px;
  border-radius: 8px;
  margin-bottom: 32px;
  font-size: 0.82rem;
  line-height: 1.6;
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
}

/* RESPONSIVE BREAKPOINTS */
@media (max-width: 992px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav-desktop {
    display: none;
  }
  .menu-toggle {
    display: inline-flex;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .brand-subtitle {
    display: none;
  }
  .top-notice-bar .top-bar-secure {
    display: none;
  }
  .btn-header-entrar {
    padding: 8px 16px;
    font-size: 0.82rem;
  }
  .hero-ctas .btn-primary-yellow,
  .hero-ctas .btn-secondary-outline {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
  .floating-help-widget {
    bottom: 16px;
    right: 16px;
    padding: 8px 14px;
  }
}