/* ─── TOKENS ─────────────────────────────────────────────────────────────── */
:root{
  --g0:#061410;--g1:#0D2818;--g2:#0F3320;--g3:#1A5C38;--g4:#216B43;
  --accent:#2ECC71;--accent2:#25A85C;--accent3:#1D8449;
  --gold:#C8A84B;--gold-light:#F0D080;
  --white:#F7FAF8;--white2:#ECF5EF;--white3:#D4E8DA;
  --gray:#8BA898;--gray2:#4A6B58;
  --dark:#0A0F0C;--card-bg:rgba(26,92,56,0.18);
  --border:rgba(46,204,113,0.15);--border2:rgba(46,204,113,0.08);
  --red:#E84040;--amber:#E8912A;
  --font-display:'Outfit',sans-serif;--font-body:'Inter',sans-serif;
  --radius:14px;--radius-lg:22px;--radius-xl:32px;
  --transition:0.22s cubic-bezier(.4,0,.2,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--g1);color:var(--white);font-family:var(--font-body);line-height:1.6;overflow-x:hidden}
::selection{background:var(--accent);color:var(--g0)}
::-webkit-scrollbar{width:6px}
::-webkit-scrollbar-track{background:var(--g0)}
::-webkit-scrollbar-thumb{background:var(--g3);border-radius:3px}
img{max-width:100%}
a{text-decoration:none;color:inherit}

/* ─── UTILITY ────────────────────────────────────────────────────────────── */
.container{max-width:1160px;margin:0 auto;padding:0 28px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
.hidden{display:none!important}

/* ─── NAVBAR ─────────────────────────────────────────────────────────────── */
#navbar{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  padding:16px 0;background:#FFFFFF;box-shadow:0 1px 0 rgba(10,40,25,.08);
  transition:box-shadow var(--transition);
}
#navbar.scrolled{box-shadow:0 4px 16px rgba(10,40,25,.10)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}
.nav-logo{font-family:var(--font-display);font-size:26px;font-weight:900;color:var(--accent);letter-spacing:-1px;flex-shrink:0;display:flex;align-items:center;gap:8px}
.nav-logo-img{height:44px;width:44px;object-fit:contain;flex-shrink:0}
.nav-logo span{color:#0A2417;opacity:.6;font-weight:300}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links a{font-size:14px;font-weight:500;color:#3E5C4B;padding:8px 14px;border-radius:10px;transition:color var(--transition),background var(--transition)}
.nav-links a:hover{color:#0A2417;background:rgba(46,204,113,0.12)}
.nav-right{display:flex;align-items:center;gap:12px}
.lang-toggle{display:flex;background:rgba(10,40,25,0.05);border:1px solid rgba(10,40,25,0.12);border-radius:10px;overflow:hidden;flex-shrink:0}
.lang-btn{padding:7px 14px;font-size:12px;font-weight:600;color:#3E5C4B;cursor:pointer;transition:all var(--transition);border:none;background:none;font-family:var(--font-body)}
.lang-btn.active{background:var(--accent);color:var(--g0)}
.btn-access{background:var(--accent);color:var(--g0);font-family:var(--font-display);font-size:14px;font-weight:700;padding:10px 22px;border-radius:10px;border:none;cursor:pointer;transition:background var(--transition),transform var(--transition);white-space:nowrap}
.btn-access:hover{background:var(--accent2);transform:translateY(-1px)}
.btn-access-short{display:none}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px}
.nav-hamburger span{width:22px;height:2px;background:#0A2417;border-radius:2px;transition:all var(--transition)}

/* ─── TICKER ─────────────────────────────────────────────────────────────── */
.ticker-wrap{background:var(--g0);border-top:1px solid var(--border2);border-bottom:1px solid var(--border2);padding:10px 0;overflow:hidden}
.ticker-track{display:flex;width:max-content;animation:ticker 28s linear infinite}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.ticker-item{display:flex;align-items:center;gap:8px;padding:0 36px;font-size:12px;font-weight:500;color:var(--gray);white-space:nowrap}
.ticker-item .t-val{color:var(--accent);font-weight:700}
.ticker-item .t-sep{color:var(--border);margin:0 -20px}

/* ─── HERO ───────────────────────────────────────────────────────────────── */
#hero{min-height:100vh;display:flex;align-items:center;padding:120px 0 80px;position:relative;overflow:hidden}
.hero-bg{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.hero-orb{position:absolute;border-radius:50%;filter:blur(80px);opacity:.18}
.hero-orb-1{width:600px;height:600px;background:var(--accent);top:-100px;right:-100px}
.hero-orb-2{width:400px;height:400px;background:var(--g3);bottom:-50px;left:-100px}
.hero-grid{display:grid;grid-template-columns:1fr;max-width:760px;margin:0 auto;text-align:center;gap:60px;align-items:center;position:relative;z-index:1}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(46,204,113,0.12);border:1px solid var(--border);border-radius:100px;padding:6px 14px 6px 8px;margin-bottom:24px}
.hero-eyebrow-dot{width:8px;height:8px;background:var(--accent);border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.8)}}
.hero-eyebrow span{font-size:12px;font-weight:600;color:var(--accent);letter-spacing:.06em;text-transform:uppercase}
.hero-h1{font-family:var(--font-display);font-size:clamp(38px,5vw,64px);font-weight:900;line-height:1.05;letter-spacing:-2px;margin-bottom:22px}
.hero-h1 em{font-style:normal;color:var(--accent)}
.hero-sub{font-size:17px;color:var(--gray);line-height:1.7;max-width:480px;margin:0 auto 36px}
.hero-cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center;justify-content:center}
.btn-primary{background:var(--accent);color:var(--g0);font-family:var(--font-display);font-size:15px;font-weight:700;padding:14px 28px;border-radius:var(--radius);border:none;cursor:pointer;transition:all var(--transition);display:inline-flex;align-items:center;gap:8px}
.btn-primary:hover{background:var(--accent2);transform:translateY(-2px);box-shadow:0 8px 24px rgba(46,204,113,.3)}
.btn-secondary{background:transparent;color:var(--white);font-family:var(--font-display);font-size:15px;font-weight:600;padding:14px 28px;border-radius:var(--radius);border:1px solid var(--border);cursor:pointer;transition:all var(--transition)}
.btn-secondary:hover{background:rgba(46,204,113,.08);border-color:var(--accent)}
.hero-trust{display:flex;align-items:center;justify-content:center;gap:12px;margin-top:24px;font-size:13px;color:var(--gray)}
.hero-trust-dot{width:4px;height:4px;background:var(--gray);border-radius:50%}
.hero-card{background:rgba(13,40,24,0.8);border:1px solid var(--border);border-radius:var(--radius-xl);padding:28px;backdrop-filter:blur(20px)}
.hc-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}
.hc-title{font-family:var(--font-display);font-size:14px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.08em}
.hc-badge{font-size:11px;font-weight:700;background:rgba(46,204,113,.15);color:var(--accent);padding:4px 12px;border-radius:20px}
.hc-amount{font-family:var(--font-display);font-size:48px;font-weight:900;color:var(--white);letter-spacing:-2px;line-height:1}
.hc-amount-label{font-size:13px;color:var(--gray);margin-top:4px;margin-bottom:22px}
.hc-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px}
.hc-stat{background:rgba(46,204,113,.06);border:1px solid var(--border2);border-radius:12px;padding:14px}
.hc-stat-val{font-family:var(--font-display);font-size:22px;font-weight:800;color:var(--accent)}
.hc-stat-label{font-size:11px;color:var(--gray);margin-top:3px}
.hc-progress-label{display:flex;justify-content:space-between;font-size:12px;color:var(--gray);margin-bottom:8px}
.progress-bar{height:6px;background:rgba(255,255,255,.08);border-radius:3px;overflow:hidden}
.progress-fill{height:6px;background:linear-gradient(90deg,var(--accent3),var(--accent));border-radius:3px;transition:width 1s ease}
.hc-clients{margin-top:16px}
.hc-client-row{display:flex;align-items:center;gap:10px;padding:10px 0;border-bottom:1px solid var(--border2)}
.hc-client-row:last-child{border-bottom:none}
.hc-avatar{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:11px;font-weight:700;flex-shrink:0}
.hc-client-name{font-size:13px;font-weight:500;color:var(--white);flex:1}
.hc-client-debt{font-size:13px;font-weight:700;color:var(--accent)}
.hc-client-pill{font-size:10px;font-weight:600;padding:3px 9px;border-radius:20px}
.pill-ok{background:rgba(46,204,113,.12);color:var(--accent)}
.pill-warn{background:rgba(232,145,42,.12);color:var(--amber)}

/* ─── TICKER 2 (between sections) ───────────────────────────────────────── */
.section-divider{padding:0}

/* ─── COMO FUNCIONA ──────────────────────────────────────────────────────── */
#como-funciona{padding:100px 0;background:var(--g0)}
.section-eyebrow{font-size:12px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.14em;margin-bottom:12px}
.section-h2{font-family:var(--font-display);font-size:clamp(28px,4vw,46px);font-weight:800;line-height:1.1;letter-spacing:-1px;margin-bottom:16px}
.section-sub{font-size:16px;color:var(--gray);max-width:540px;line-height:1.7}
.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:56px}
.step-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;position:relative;transition:transform var(--transition),border-color var(--transition)}
.step-card:hover{transform:translateY(-4px);border-color:rgba(46,204,113,.35)}
.step-num{font-family:var(--font-display);font-size:48px;font-weight:900;color:var(--white);line-height:1;margin-bottom:16px;letter-spacing:-2px}
.step-icon{width:44px;height:44px;background:rgba(46,204,113,.12);border:1px solid var(--border);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.step-title{font-family:var(--font-display);font-size:18px;font-weight:700;color:var(--white);margin-bottom:8px}
.step-body{font-size:14px;color:var(--white3);font-weight:500;line-height:1.65}

/* ─── ROLES ──────────────────────────────────────────────────────────────── */
#roles{padding:100px 0;background:var(--g1)}
.roles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px}
.role-card{border-radius:var(--radius-lg);padding:32px;position:relative;overflow:hidden;transition:transform var(--transition)}
.role-card:hover{transform:translateY(-4px)}
.role-card-owner{background:linear-gradient(135deg,var(--g2) 0%,var(--g3) 100%);border:1px solid rgba(200,168,75,.25)}
.role-card-broker{background:linear-gradient(135deg,rgba(13,40,24,.9) 0%,rgba(26,92,56,.5) 100%);border:1px solid var(--border)}
.role-card-client{background:linear-gradient(135deg,rgba(10,15,12,.9) 0%,rgba(15,51,32,.6) 100%);border:1px solid var(--border)}
.role-badge{display:inline-block;font-size:11px;font-weight:700;padding:4px 12px;border-radius:20px;margin-bottom:20px;text-transform:uppercase;letter-spacing:.08em}
.rb-owner{background:rgba(200,168,75,.15);color:var(--gold)}
.rb-broker{background:rgba(46,204,113,.12);color:var(--accent)}
.rb-client{background:rgba(255,255,255,.07);color:var(--gray)}
.role-title{font-family:var(--font-display);font-size:22px;font-weight:800;color:var(--white);margin-bottom:8px}
.role-sub{font-size:14px;color:var(--gray);margin-bottom:22px;line-height:1.6}
.role-perks{list-style:none;display:flex;flex-direction:column;gap:10px}
.role-perks li{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--white2)}
.role-perks li::before{content:"";width:6px;height:6px;background:var(--accent);border-radius:50%;flex-shrink:0;margin-top:7px}
.role-pct{font-family:var(--font-display);font-size:36px;font-weight:900;color:var(--gold);letter-spacing:-1px;margin-top:20px}
.role-pct-label{font-size:12px;color:var(--gray);margin-top:2px}

/* ─── COMISIONES ─────────────────────────────────────────────────────────── */
#comisiones{padding:100px 0;background:var(--g0)}
.comisiones-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.com-table{width:100%;border-collapse:collapse;margin-top:24px}
.com-table th{font-size:11px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.1em;padding:12px 16px;text-align:left;border-bottom:1px solid var(--border)}
.com-table td{padding:16px;font-size:14px;color:var(--white2);border-bottom:1px solid var(--border2);vertical-align:top}
.com-table tr:last-child td{border-bottom:none}
.com-table td:first-child{font-weight:600;color:var(--white)}
.com-pct{font-family:var(--font-display);font-size:20px;font-weight:800;color:var(--accent)}
.formula-box{background:rgba(46,204,113,.05);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px}
.formula-title{font-size:13px;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px}
.formula-line{font-family:'Courier New',monospace;font-size:14px;color:var(--white);background:rgba(46,204,113,.06);border:1px solid var(--border);border-radius:10px;padding:14px 16px;margin-bottom:10px;line-height:1.5}
.formula-line span{color:var(--accent);font-weight:700}
.formula-example{margin-top:20px;padding:18px;background:rgba(13,40,24,.8);border-radius:12px;font-size:13px;color:var(--gray);line-height:1.8}
.formula-example b{color:var(--white)}
.formula-example .fe-accent{color:var(--accent);font-weight:700}

/* ─── REQUISITOS ─────────────────────────────────────────────────────────── */
#requisitos{padding:100px 0;background:var(--g1)}
.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin-top:56px}
.req-block-title{font-family:var(--font-display);font-size:18px;font-weight:700;color:var(--white);margin-bottom:20px;display:flex;align-items:center;gap:10px}
.req-block-title .req-icon{width:32px;height:32px;background:rgba(46,204,113,.12);border:1px solid var(--border);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.req-list{list-style:none;display:flex;flex-direction:column;gap:12px}
.req-list li{display:flex;align-items:flex-start;gap:12px;font-size:14px;color:var(--gray);line-height:1.55}
.req-check{width:22px;height:22px;background:rgba(46,204,113,.12);border:1px solid var(--border);border-radius:7px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.req-check svg{stroke:var(--accent)}
.bienes-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px}
.bien-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:14px}
.bien-icon{width:32px;height:32px;background:rgba(46,204,113,.12);border:1px solid var(--border);border-radius:9px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.bien-name{font-size:13px;font-weight:600;color:var(--white);margin-bottom:4px}
.bien-pct{font-size:12px;color:var(--accent);font-weight:600}

/* ─── PAGOS ──────────────────────────────────────────────────────────────── */
#pagos{padding:100px 0;background:var(--g0)}
.pagos-inner{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.pago-tabs{display:flex;gap:8px;margin-top:28px;margin-bottom:24px}
.pago-tab{padding:10px 22px;border-radius:10px;font-size:14px;font-weight:600;cursor:pointer;transition:all var(--transition);border:1px solid var(--border);color:var(--gray);background:none}
.pago-tab.active{background:var(--accent);color:var(--g0);border-color:var(--accent)}
.pago-calendar{background:rgba(13,40,24,.6);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}
.pc-month{font-family:var(--font-display);font-size:16px;font-weight:700;color:var(--white);margin-bottom:18px}
.pc-row{display:flex;align-items:center;gap:14px;padding:12px 0;border-bottom:1px solid var(--border2)}
.pc-row:last-child{border-bottom:none}
.pc-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}
.pc-dot.ok{background:var(--accent)}
.pc-dot.next{background:var(--amber)}
.pc-dot.fut{background:rgba(255,255,255,.15)}
.pc-date{flex:1;font-size:13px;font-weight:500;color:var(--white)}
.pc-day{font-size:11px;color:var(--gray);margin-top:2px}
.pc-amount{font-size:14px;font-weight:700}
.pc-amount.ok{color:var(--accent)}
.pc-amount.next{color:var(--amber)}
.pc-amount.fut{color:var(--gray)}
.pago-flow{display:flex;flex-direction:column;gap:0}
.pf-step{display:flex;gap:18px;align-items:flex-start;padding-bottom:28px;position:relative}
.pf-step:not(:last-child)::after{content:'';position:absolute;left:19px;top:42px;bottom:0;width:2px;background:var(--border)}
.pf-icon{width:40px;height:40px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;border:1px solid var(--border)}
.pf-title{font-size:14px;font-weight:600;color:var(--white);margin-bottom:4px}
.pf-body{font-size:13px;color:var(--gray);line-height:1.55}

/* ─── SEGURIDAD ──────────────────────────────────────────────────────────── */
#seguridad{padding:100px 0;background:var(--g1)}
.seg-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:56px}
.seg-card{background:var(--card-bg);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;transition:border-color var(--transition)}
.seg-card:hover{border-color:rgba(46,204,113,.4)}
.seg-icon{width:48px;height:48px;background:rgba(46,204,113,.1);border:1px solid var(--border);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.seg-title{font-family:var(--font-display);font-size:16px;font-weight:700;color:var(--white);margin-bottom:8px}
.seg-body{font-size:13px;color:var(--gray);line-height:1.65}

/* ─── CTA CONTACTO ───────────────────────────────────────────────────────── */
#contacto{padding:100px 0;background:var(--g0);text-align:center}
.cta-box{background:linear-gradient(135deg,var(--g2) 0%,var(--g3) 100%);border:1px solid rgba(46,204,113,.3);border-radius:var(--radius-xl);padding:64px 40px;max-width:720px;margin:0 auto}
.cta-h2{font-family:var(--font-display);font-size:clamp(26px,4vw,42px);font-weight:900;color:var(--white);letter-spacing:-1px;margin-bottom:14px}
.cta-sub{font-size:16px;color:var(--white3);margin-bottom:32px;line-height:1.7}
.cta-form{display:flex;gap:12px;max-width:440px;margin:0 auto;flex-wrap:wrap}
.cta-input{flex:1;min-width:200px;padding:14px 18px;background:rgba(255,255,255,.07);border:1px solid var(--border);border-radius:var(--radius);font-size:14px;color:var(--white);font-family:var(--font-body);outline:none;transition:border-color var(--transition)}
.cta-input::placeholder{color:var(--gray)}
.cta-input:focus{border-color:var(--accent)}
.cta-trust{margin-top:20px;font-size:13px;color:rgba(255,255,255,.4)}

/* ─── FOOTER ─────────────────────────────────────────────────────────────── */
footer{background:var(--g0);border-top:1px solid var(--border2);padding:48px 0 24px}
.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.footer-logo{font-family:var(--font-display);font-size:24px;font-weight:900;color:var(--accent);letter-spacing:-1px;margin-bottom:12px}
.footer-desc{font-size:13px;color:var(--gray);line-height:1.7;max-width:220px}
.footer-col-title{font-size:12px;font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-links a{font-size:13px;color:var(--gray);transition:color var(--transition)}
.footer-links a:hover{color:var(--accent)}
.footer-bottom{border-top:1px solid var(--border2);padding-top:20px;display:flex;justify-content:space-between;align-items:center;flex-wrap:gap;gap:12px}
.footer-copy{font-size:12px;color:var(--gray2)}
.footer-legal{font-size:12px;color:var(--gray2)}

/* ─── MODAL DE ACCESO ────────────────────────────────────────────────────── */
#modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.75);z-index:2000;display:flex;align-items:center;justify-content:center;backdrop-filter:blur(8px);padding:20px}
#modal-box{background:var(--g1);border:1px solid var(--border);border-radius:var(--radius-xl);padding:40px;width:100%;max-width:420px;position:relative}
.modal-logo{font-family:var(--font-display);font-size:22px;font-weight:900;color:var(--accent);letter-spacing:-1px;margin-bottom:6px}
.modal-title{font-family:var(--font-display);font-size:20px;font-weight:700;color:var(--white);margin-bottom:6px}
.modal-sub{font-size:13px;color:var(--gray);margin-bottom:28px;line-height:1.6}
.modal-field-label{font-size:12px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.modal-input{width:100%;padding:14px 16px;background:rgba(255,255,255,.05);border:1px solid var(--border);border-radius:var(--radius);font-size:15px;color:var(--white);font-family:var(--font-body);outline:none;transition:border-color var(--transition);margin-bottom:16px}
.modal-input:focus{border-color:var(--accent);background:rgba(46,204,113,.04)}
.modal-btn{width:100%;padding:15px;background:var(--accent);color:var(--g0);font-family:var(--font-display);font-size:16px;font-weight:700;border-radius:var(--radius);border:none;cursor:pointer;transition:background var(--transition);margin-top:4px}
.modal-btn:hover{background:var(--accent2)}
.modal-close{position:absolute;top:16px;right:16px;width:32px;height:32px;background:rgba(255,255,255,.06);border:none;border-radius:8px;cursor:pointer;color:var(--gray);font-size:18px;display:flex;align-items:center;justify-content:center}
.modal-error{font-size:13px;color:var(--red);margin-top:8px;text-align:center}
.modal-hint{font-size:11px;color:var(--gray2);text-align:center;margin-top:12px}

/* ─── PANEL DE CONTROL ───────────────────────────────────────────────────── */
#panel{background:var(--g0);min-height:100vh;padding-top:80px}
.panel-header{background:var(--g1);border-bottom:1px solid var(--border);padding:20px 0}
.panel-header-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.panel-title{font-family:var(--font-display);font-size:22px;font-weight:800;color:var(--white)}
.panel-title span{color:var(--accent)}
.panel-right{display:flex;gap:12px;align-items:center}
.panel-user{display:flex;align-items:center;gap:10px}
.panel-avatar{width:36px;height:36px;border-radius:50%;background:var(--g3);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:13px;font-weight:700;color:var(--accent)}
.panel-username{font-size:14px;font-weight:600;color:var(--white)}
.panel-role{font-size:11px;color:var(--gray)}
.btn-logout{background:rgba(232,64,64,.1);color:var(--red);border:1px solid rgba(232,64,64,.2);font-size:13px;font-weight:600;padding:8px 16px;border-radius:10px;cursor:pointer;transition:all var(--transition);font-family:var(--font-body)}
.btn-logout:hover{background:rgba(232,64,64,.2)}
.panel-nav{background:var(--g1);border-bottom:1px solid var(--border2);padding:0}
.panel-nav-inner{display:flex;gap:0;overflow-x:auto}
.panel-nav-inner::-webkit-scrollbar{display:none}
.pnav-item{padding:14px 20px;font-size:13px;font-weight:600;color:var(--gray);cursor:pointer;transition:all var(--transition);border-bottom:2px solid transparent;white-space:nowrap}
.pnav-item:hover{color:var(--white)}
.pnav-item.active{color:var(--accent);border-bottom-color:var(--accent)}
.panel-body{padding:32px 0}
.kpi-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:32px}
.kpi-card{background:var(--g1);border:1px solid var(--border);border-radius:var(--radius-lg);padding:22px;transition:border-color var(--transition)}
.kpi-card:hover{border-color:rgba(46,204,113,.3)}
.kpi-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.1em;margin-bottom:10px}
.kpi-val{font-family:var(--font-display);font-size:30px;font-weight:900;letter-spacing:-1px;line-height:1}
.kpi-val.green{color:var(--accent)}
.kpi-val.gold{color:var(--gold)}
.kpi-val.white{color:var(--white)}
.kpi-val.amber{color:var(--amber)}
.kpi-delta{font-size:12px;color:var(--gray);margin-top:6px}
.kpi-delta span{color:var(--accent)}
.panel-two-col{display:grid;grid-template-columns:1.4fr 1fr;gap:20px;margin-bottom:24px}
.panel-card{background:var(--g1);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}
.pc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
.pc-htitle{font-family:var(--font-display);font-size:15px;font-weight:700;color:var(--white)}
.pc-hbadge{font-size:11px;font-weight:600;background:rgba(46,204,113,.1);color:var(--accent);padding:3px 10px;border-radius:20px}
.pc-hbadge.amber{background:rgba(232,145,42,.1);color:var(--amber)}
.table-wrap{overflow-x:auto}
.data-table{width:100%;border-collapse:collapse}
.data-table th{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.08em;padding:10px 12px;text-align:left;border-bottom:1px solid var(--border)}
.data-table td{padding:14px 12px;font-size:13px;color:var(--white2);border-bottom:1px solid var(--border2);vertical-align:middle}
.data-table tr:last-child td{border-bottom:none}
.data-table tr:hover td{background:rgba(46,204,113,.03)}
.dt-name{font-weight:600;color:var(--white)}
.dt-pill{font-size:10px;font-weight:700;padding:3px 9px;border-radius:20px}
.dt-pill.ok{background:rgba(46,204,113,.12);color:var(--accent)}
.dt-pill.warn{background:rgba(232,145,42,.12);color:var(--amber)}
.dt-pill.late{background:rgba(232,64,64,.12);color:var(--red)}
.dt-amount{font-family:var(--font-display);font-size:14px;font-weight:700;color:var(--accent)}
.mini-chart{display:flex;align-items:flex-end;gap:4px;height:60px}
.mc-bar{flex:1;background:rgba(46,204,113,.15);border-radius:4px 4px 0 0;border:1px solid var(--border);transition:background var(--transition)}
.mc-bar.active{background:var(--accent3)}
.mc-bar:hover{background:var(--accent2)}
.chart-labels{display:flex;gap:4px;margin-top:6px}
.chart-labels span{flex:1;font-size:10px;color:var(--gray);text-align:center}
.btn-panel{background:rgba(46,204,113,.1);color:var(--accent);border:1px solid var(--border);font-size:13px;font-weight:600;padding:10px 18px;border-radius:10px;cursor:pointer;transition:all var(--transition);font-family:var(--font-body);white-space:nowrap}
.btn-panel:hover{background:rgba(46,204,113,.2)}
.btn-panel-primary{background:var(--accent);color:var(--g0);border:none;font-size:13px;font-weight:700;padding:10px 18px;border-radius:10px;cursor:pointer;transition:background var(--transition);font-family:var(--font-body)}
.btn-panel-primary:hover{background:var(--accent2)}
.empty-state{text-align:center;padding:40px 20px;color:var(--gray);font-size:14px}
.broker-list-row{display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px solid var(--border2)}
.broker-list-row:last-child{border-bottom:none}
.bl-avatar{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:12px;font-weight:700;flex-shrink:0}
.bl-name{font-size:14px;font-weight:600;color:var(--white)}
.bl-meta{font-size:12px;color:var(--gray);margin-top:2px}
.bl-right{margin-left:auto;text-align:right}
.bl-amount{font-size:14px;font-weight:700;color:var(--accent)}
.bl-label{font-size:11px;color:var(--gray);margin-top:2px}
.panel-full{margin-bottom:24px}
.tab-btns{display:flex;gap:8px;margin-bottom:20px}

/* ─── ANIMACIONES EN SCROLL ──────────────────────────────────────────────── */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .55s ease,transform .55s ease}
.reveal.visible{opacity:1;transform:none}

/* ─── RESPONSIVE ─────────────────────────────────────────────────────────── */
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .roles-grid{grid-template-columns:1fr}
  .comisiones-inner{grid-template-columns:1fr}
  .req-grid{grid-template-columns:1fr}
  .pagos-inner{grid-template-columns:1fr}
  .seg-grid{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr 1fr}
  .kpi-grid{grid-template-columns:1fr 1fr}
  .panel-two-col{grid-template-columns:1fr}
  .nav-links{display:none}
}
@media(max-width:640px){
  .seg-grid{grid-template-columns:1fr}
  .kpi-grid{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr}
  .cta-box{padding:40px 24px}
  .bienes-grid{grid-template-columns:1fr 1fr}
  .hc-stats{grid-template-columns:1fr 1fr}
  .pago-tabs{flex-wrap:wrap}
}
@media(max-width:480px){
  .container{padding:0 18px}
  .nav-inner{gap:10px}
  .nav-logo{font-size:19px;gap:6px}
  .nav-logo-img{height:30px;width:30px}
  .nav-right{gap:8px}
  .lang-btn{padding:6px 10px;font-size:11px}
  .btn-access{padding:9px 14px;font-size:12px}
  .btn-access-full{display:none}
  .btn-access-short{display:inline}
  .hero-cta-row .btn-primary,.hero-cta-row .btn-secondary{padding:12px 20px;font-size:14px}
}