@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --azul: #12806c;        /* verde-teal, color de marca */
  --azul-claro: #16997f;  /* teal hover */
  --verde-vivo: #0fb86b;  /* verde saturado para el titular del hero y la franja de beneficios */
  --verde-vivo-oscuro: #0a8f52;
  --fondo-mint: #eafcf3;  /* fondo muy claro con tinte menta para el hero */
  --coral: #e6674f;       /* acento calido, para destacar */
  --coral-claro: #fdece8;
  --verde: #1a9d5c;
  --rojo: #e5484d;
  --gris: #6b7280;
  --gris-oscuro: #3a3f42;
  --fondo: #faf8f4;
  --borde: #e7e2d8;
  --sombra: 0 4px 20px rgba(18, 128, 108, 0.08);
  --sombra-suave: 0 2px 10px rgba(30, 30, 20, 0.05);

  /* Landing (marketing): tema oscuro navy con acentos verdes, independiente del resto
     de la app (que sigue clara/teal) — ver seccion "Landing" mas abajo. */
  --landing-navy: #10131c;
  --landing-navy-claro: #1a2032;
  --landing-navy-borde: #2a3145;
  --landing-gris-claro: #a7adc2;
  --landing-fondo-alterno: #eeece3;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Poppins", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  background: var(--fondo);
  color: var(--gris-oscuro);
}

.oculto { display: none !important; }

a { color: var(--azul); }

/* ---------- Marca ---------- */

.marca {
  display: flex;
  align-items: center;
  gap: 10px;
}

.marca-icono {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--azul), var(--azul-claro));
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
  flex-shrink: 0;
}

.marca-nombre {
  font-weight: 700;
  font-size: 20px;
  color: var(--gris-oscuro);
  letter-spacing: -0.02em;
}

/* ---------- Auth (landing + login) ---------- */

.pagina-centrada {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  background: var(--fondo);
}

.beneficios-franja {
  background: var(--verde-vivo);
  border-radius: 20px;
  padding: 26px 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 480px;
}

.beneficios-franja p {
  margin: 0;
  color: white;
  font-size: 19px;
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 1.3;
}

.hero-disclaimer {
  font-size: 12.5px;
  color: var(--gris);
  border-top: 1px solid rgba(58, 63, 66, 0.15);
  padding-top: 20px;
  margin: 0;
  max-width: 460px;
  line-height: 1.6;
}

/* ---------- Landing (marketing, tema oscuro) ---------- */

.landing-nav {
  background: var(--landing-navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 40px;
}

.landing-nav .marca-nombre { color: white; }

.landing-nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}

.landing-nav-links a {
  color: var(--landing-gris-claro);
  text-decoration: none;
  font-size: 14px;
}

.landing-nav-links a:hover { color: white; }

.landing-nav-botones {
  display: flex;
  align-items: center;
  gap: 18px;
}

.landing-link-entrar {
  background: none;
  border: none;
  color: white;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  font-family: inherit;
}

.btn-landing-primario {
  background: var(--verde-vivo);
  color: white;
  border: none;
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
  font-family: inherit;
  cursor: pointer;
  transition: background 0.15s, transform 0.05s;
}

.btn-landing-primario:hover { background: var(--verde-vivo-oscuro); }
.btn-landing-primario:active { transform: translateY(1px); }

.btn-landing-secundario {
  background: transparent;
  color: white;
  border: 1px solid var(--landing-navy-borde);
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 500;
  font-size: 14px;
  font-family: inherit;
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s;
}

.btn-landing-secundario:hover { background: var(--landing-navy-claro); border-color: var(--landing-gris-claro); }

.landing-hero {
  background: var(--landing-navy);
  padding: 70px 40px;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 48px;
  align-items: center;
}

.landing-hero-texto { display: flex; flex-direction: column; gap: 22px; }

.landing-badge {
  display: inline-flex;
  align-self: flex-start;
  align-items: center;
  gap: 6px;
  background: rgba(15,184,107,0.12);
  border: 1px solid rgba(15,184,107,0.35);
  color: var(--verde-vivo);
  font-size: 12.5px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
}

.landing-hero h1 {
  font-size: 44px;
  font-weight: 800;
  line-height: 1.12;
  margin: 0;
  letter-spacing: -0.02em;
  color: white;
}

.landing-hero .hero-sub {
  font-size: 16px;
  line-height: 1.65;
  color: var(--landing-gris-claro);
  margin: 0;
  max-width: 480px;
}

.landing-hero-botones {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.landing-checks {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.landing-check-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--landing-gris-claro);
}

.landing-check-item .cuadro {
  width: 14px;
  height: 14px;
  border-radius: 4px;
  background: var(--verde-vivo);
  flex-shrink: 0;
}

.landing-mockup-card {
  background: var(--landing-navy-claro);
  border: 1px solid var(--landing-navy-borde);
  border-radius: 16px;
  padding: 26px;
}

.landing-mockup-card .mockup-titulo {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--landing-gris-claro);
  margin: 0 0 18px;
}

.landing-mockup-fila {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid var(--landing-navy-borde);
  font-size: 14px;
}

.landing-mockup-fila:last-of-type { border-bottom: none; }
.landing-mockup-fila span { color: var(--landing-gris-claro); }
.landing-mockup-fila b { color: white; font-size: 14.5px; }

.landing-mockup-card .btn-landing-primario {
  width: 100%;
  margin-top: 18px;
  text-align: center;
}

.landing-disclaimer-bar {
  background: #0c0e16;
  color: var(--landing-gris-claro);
  text-align: center;
  font-size: 12.5px;
  line-height: 1.6;
  padding: 16px 24px;
}

.landing-seccion {
  max-width: 900px;
  margin: 0 auto;
  padding: 70px 24px;
  text-align: center;
}

.landing-seccion.alterno { max-width: none; background: var(--landing-fondo-alterno); }
.landing-seccion.alterno > * { max-width: 900px; margin-left: auto; margin-right: auto; }

.landing-seccion-etiqueta {
  display: block;
  color: var(--verde-vivo-oscuro);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

.landing-seccion h2 {
  font-size: 30px;
  font-weight: 800;
  color: var(--gris-oscuro);
  margin: 0 0 10px;
  letter-spacing: -0.02em;
}

.landing-seccion .sub {
  color: var(--gris);
  font-size: 15px;
  margin: 0 0 40px;
}

.landing-pasos, .landing-servicios {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  text-align: left;
}

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

.landing-tarjeta {
  background: white;
  border: 1px solid var(--borde);
  border-radius: 14px;
  padding: 22px;
}

.landing-paso-numero {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: var(--fondo-mint);
  color: var(--verde-vivo-oscuro);
  font-weight: 700;
  font-size: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.landing-tarjeta h3 {
  margin: 0 0 6px;
  font-size: 15.5px;
  color: var(--gris-oscuro);
}

.landing-tarjeta p {
  margin: 0;
  font-size: 13.5px;
  color: var(--gris);
  line-height: 1.6;
}

.landing-tarjeta .precio {
  color: var(--verde-vivo-oscuro);
  font-weight: 700;
  font-size: 15px;
  margin-top: 10px;
}

.landing-cta-final {
  background: var(--landing-navy);
  text-align: center;
  padding: 70px 24px;
}

.landing-cta-final h2 {
  color: white;
  font-size: 28px;
  font-weight: 800;
  margin: 0 0 10px;
}

.landing-cta-final p {
  color: var(--landing-gris-claro);
  font-size: 15px;
  margin: 0 0 26px;
}

@media (max-width: 880px) {
  .landing-nav-links { display: none; }
  .landing-hero { grid-template-columns: 1fr; padding: 48px 24px; }
  .landing-hero h1 { font-size: 32px; }
  .landing-pasos, .landing-servicios { grid-template-columns: 1fr; }
}

.auth-box {
  background: white;
  padding: 40px;
  border-radius: 16px;
  box-shadow: var(--sombra-suave);
  width: 100%;
  max-width: 380px;
  border: 1px solid var(--borde);
}

.auth-box .marca { margin-bottom: 20px; }

.auth-box h1 {
  margin: 0 0 4px;
  font-size: 20px;
  color: var(--gris-oscuro);
}

.subtitulo {
  color: var(--gris);
  margin: 0 0 24px;
  font-size: 13.5px;
}

.tabs {
  display: flex;
  margin-bottom: 20px;
  background: var(--fondo);
  border-radius: 10px;
  padding: 4px;
  gap: 4px;
}

.tab {
  flex: 1;
  padding: 9px;
  background: none;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-size: 13.5px;
  font-family: inherit;
  color: var(--gris);
  transition: background 0.15s, color 0.15s;
}

.tab.activo {
  color: var(--azul);
  background: white;
  font-weight: 600;
  box-shadow: var(--sombra-suave);
}

.tabs-prestamos {
  max-width: 260px;
}

.chips-preset {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: -6px;
}

.chip-preset {
  background: var(--fondo-mint);
  color: var(--verde-vivo-oscuro);
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 6px 14px;
  font-size: 13px;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
}

.chip-preset:hover {
  border-color: var(--verde-vivo);
}

.form-auth {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.form-auth input,
.form-auth select,
#modal-nuevo-prestamo input,
#modal-nuevo-prestamo select,
#modal-nuevo-prestamo textarea {
  padding: 11px 13px;
  border: 1px solid var(--borde);
  border-radius: 8px;
  font-size: 14px;
  font-family: inherit;
  width: 100%;
  background: white;
  color: var(--gris-oscuro);
  transition: border-color 0.15s, box-shadow 0.15s;
}

.form-auth input:focus,
.form-auth select:focus,
#modal-nuevo-prestamo input:focus,
#modal-nuevo-prestamo select:focus,
#modal-nuevo-prestamo textarea:focus {
  outline: none;
  border-color: var(--azul);
  box-shadow: 0 0 0 3px rgba(18, 128, 108, 0.12);
}

.campo-monto {
  display: flex;
  gap: 8px;
}

.campo-monto .select-moneda {
  flex: 0 0 92px;
  font-weight: 600;
}

.campo-monto input {
  flex: 1;
  font-variant-numeric: tabular-nums;
}

.campo-fila {
  display: flex;
  gap: 12px;
}

.campo-fila > div {
  flex: 1;
}

.nota-campo {
  font-size: 12px;
  color: var(--gris);
  margin: 4px 0 0;
  line-height: 1.5;
}

.error {
  color: var(--rojo);
  font-size: 13px;
  min-height: 18px;
  margin: 0;
}

.check-terminos {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12px;
  color: var(--gris);
  line-height: 1.4;
}

.check-terminos input {
  width: auto;
  margin-top: 2px;
}

.check-terminos a {
  color: var(--azul);
}

.aviso-usura {
  font-size: 12px;
  padding: 8px 10px;
  border-radius: 8px;
  margin: 4px 0 0;
  line-height: 1.5;
}

.aviso-usura.aviso-ok {
  background: #e9f7f0;
  color: var(--verde);
}

.aviso-usura.aviso-riesgo {
  background: var(--coral-claro);
  color: #c0432c;
}

/* ---------- Botones ---------- */

button {
  cursor: pointer;
  font-size: 14px;
  font-family: inherit;
}

.btn-primario {
  background: var(--azul);
  color: white;
  border: none;
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 14px;
  transition: background 0.15s, transform 0.05s;
}

.btn-primario:hover { background: var(--azul-claro); }
.btn-primario:active { transform: translateY(1px); }

.btn-secundario {
  background: white;
  color: var(--gris-oscuro);
  border: 1px solid var(--borde);
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 500;
  transition: background 0.15s;
}

.btn-secundario:hover { background: var(--fondo); }

.btn-link {
  background: none;
  border: none;
  color: var(--azul);
  text-decoration: underline;
  padding: 4px 8px;
}

/* ---------- App ---------- */

.app-header {
  background: white;
  border-bottom: 1px solid var(--borde);
  color: var(--gris-oscuro);
  padding: 14px 32px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.header-derecha {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 14px;
  color: var(--gris);
}

.btn-usuario-nombre {
  font-weight: 600;
  color: var(--gris-oscuro);
  text-decoration: none;
  padding: 4px 8px;
  border-radius: 6px;
}

.btn-usuario-nombre:hover {
  background: var(--fondo);
  text-decoration: underline;
}

.app-main {
  max-width: 1050px;
  margin: 0 auto;
  padding: 32px;
}

.resumen-portafolio {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}

.resumen-portafolio-item {
  flex: 1;
  min-width: 220px;
  background: white;
  border: 1px solid var(--borde);
  border-radius: 12px;
  padding: 16px 20px;
  box-shadow: var(--sombra-suave);
}

.resumen-portafolio-item span {
  display: block;
  font-size: 12.5px;
  color: var(--gris);
  margin-bottom: 6px;
}

.resumen-portafolio-item strong {
  font-size: 22px;
  color: var(--azul);
}

.acciones-fila {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
}

.acciones-fila h2 {
  font-size: 22px;
  margin: 0;
  letter-spacing: -0.01em;
}

.tabla-prestamos {
  width: 100%;
  border-collapse: collapse;
  background: white;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--sombra-suave);
  border: 1px solid var(--borde);
}

.tabla-prestamos th,
.tabla-prestamos td {
  padding: 13px 16px;
  text-align: left;
  border-bottom: 1px solid var(--borde);
  font-size: 14px;
}

.tabla-prestamos tr:last-child td { border-bottom: none; }

.tabla-prestamos th {
  background: var(--fondo);
  color: var(--gris);
  font-weight: 600;
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.estado {
  padding: 3px 11px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  display: inline-block;
}

.estado-activo { background: #eaf3ff; color: #2166a8; }
.estado-pagado { background: var(--coral-claro); color: var(--rojo); }
.estado-mora { background: var(--coral-claro); color: #c0432c; }

/* Categorías del credit score (admin): independientes de los colores de estado del
   préstamo, para que "Excelente" siga siendo verde aunque "pagado" ahora sea rojo. */
.score-excelente { background: #e9f7f0; color: var(--verde); }
.score-bueno { background: #eaf3ff; color: #2166a8; }
.score-regular { background: var(--coral-claro); color: #c0432c; }
.score-riesgoso { background: var(--coral-claro); color: #c0432c; }
.score-desconocido { background: #f0f0ee; color: var(--gris); }
.estado-cancelado { background: #f0f0ee; color: var(--gris); }

#sin-prestamos {
  text-align: center;
  color: var(--gris);
  padding: 48px 0;
  background: white;
  border-radius: 12px;
  border: 1px dashed var(--borde);
}

/* ---------- Modal ---------- */

.modal {
  position: fixed;
  inset: 0;
  background: rgba(20,20,15,0.45);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  z-index: 10;
}

.modal-contenido {
  background: white;
  padding: 28px;
  border-radius: 16px;
  width: 100%;
  max-width: 480px;
  max-height: 90vh;
  overflow-y: auto;
}

.modal-contenido h2 { margin-top: 0; color: var(--gris-oscuro); font-size: 19px; }

.modal-contenido-relativo { position: relative; }

.modal-cerrar-x {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: none;
  background: var(--fondo);
  color: var(--gris);
  font-size: 20px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s, color 0.15s;
}

.modal-cerrar-x:hover {
  background: var(--coral-claro);
  color: #c0432c;
}

#form-nuevo-prestamo label {
  font-size: 13px;
  font-weight: 500;
  color: var(--gris);
  margin-top: 10px;
  display: block;
}

.form-seccion-titulo {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--azul);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 22px 0 10px;
  padding-top: 16px;
  border-top: 1px solid var(--borde);
}

.form-seccion-titulo:first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

.servicio-adicional {
  border: 1px solid var(--borde);
  border-radius: 10px;
  padding: 4px 16px 16px;
  background: var(--fondo);
}

.clausulas-fieldset {
  border: 1px solid var(--borde);
  border-radius: 10px;
  margin-top: 16px;
  padding: 4px 16px 16px;
}

.clausulas-fieldset legend {
  font-size: 13px;
  font-weight: 600;
  color: var(--azul);
  padding: 0 6px;
}

.clausula-toggle {
  display: flex !important;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  line-height: 1.45;
  color: var(--gris-oscuro) !important;
  margin: 14px 0 0 !important;
  padding: 0 !important;
}

.clausula-toggle input {
  width: 16px;
  height: 16px;
  flex: 0 0 16px;
  margin: 2px 0 0 !important;
  accent-color: var(--azul);
}

.clausula-detalle {
  margin-left: 26px;
  margin-top: 8px;
  padding-left: 12px;
  border-left: 2px solid var(--fondo);
}

.clausula-detalle label {
  margin-top: 6px !important;
}

.modal-botones {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-top: 20px;
}

.detalle-tabla {
  width: 100%;
  border-collapse: collapse;
  margin-top: 12px;
}

.detalle-tabla th, .detalle-tabla td {
  padding: 8px 10px;
  border-bottom: 1px solid var(--borde);
  font-size: 13px;
  text-align: left;
}

.cuota-pagada { color: var(--verde); font-weight: 600; }
.cuota-pendiente { color: var(--gris); }

/* ---------- Resumen de deuda ---------- */

.resumen-deuda {
  background: var(--fondo);
  border: 1px solid var(--borde);
  border-radius: 12px;
  padding: 16px;
  margin: 16px 0;
}

.resumen-total {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}

.resumen-total span {
  color: var(--gris);
  font-size: 13px;
}

.resumen-total strong {
  font-size: 24px;
  color: var(--azul);
}

.resumen-proxima {
  font-size: 13px;
  line-height: 1.6;
  margin: 0 0 14px;
}

.resumen-botones {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.firma-adjunto {
  margin: 12px 0;
  padding-top: 12px;
  border-top: 1px solid var(--borde);
}

.firma-adjunto input[type="file"] {
  display: block;
  margin-top: 6px;
  font-size: 13px;
  width: 100%;
}

.firma-canvas {
  display: block;
  width: 100%;
  max-width: 400px;
  height: 150px;
  margin-top: 6px;
  border: 1px solid var(--borde);
  border-radius: 10px;
  background: white;
  touch-action: none;
  cursor: crosshair;
}

/* ---------- Dashboard de administrador ---------- */

.marca-sufijo {
  font-weight: 400;
  color: var(--gris);
  font-size: 13px;
}

.selector-periodo {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}

.periodo-btn {
  background: white;
  border: 1px solid var(--borde);
  color: var(--gris);
  padding: 8px 14px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: 500;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
}

.periodo-btn:hover { background: var(--fondo); }

.periodo-btn.activo {
  background: var(--azul);
  border-color: var(--azul);
  color: white;
}

.admin-seccion {
  margin-bottom: 32px;
}

.admin-seccion-titulo {
  font-size: 14px;
  font-weight: 600;
  color: var(--gris);
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin: 0 0 12px;
}

.admin-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
  gap: 14px;
}

.admin-tarjeta {
  background: white;
  border: 1px solid var(--borde);
  border-radius: 12px;
  padding: 16px 18px;
  box-shadow: var(--sombra-suave);
}

.admin-tarjeta span {
  display: block;
  font-size: 12px;
  color: var(--gris);
  margin-bottom: 6px;
  line-height: 1.4;
}

.admin-tarjeta strong {
  font-size: 20px;
  color: var(--azul);
  word-break: break-word;
}

/* ---------- Educacion (como funcionan los creditos) ---------- */

.enlace-educacion {
  font-size: 13.5px;
  font-weight: 500;
}

.educacion-hero {
  background: var(--fondo-mint);
  padding: 24px 24px 40px;
}

.educacion-topbar {
  max-width: 720px;
  margin: 0 auto 28px;
}

.educacion-topbar .marca {
  text-decoration: none;
  width: fit-content;
}

.educacion-hero h1 {
  max-width: 720px;
  margin: 0 auto;
  font-size: 40px;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--verde-vivo);
}

.educacion-hero .hero-sub {
  max-width: 720px;
  margin: 12px auto 0;
  font-size: 16px;
  color: var(--gris-oscuro);
}

.educacion-contenido {
  max-width: 720px;
  margin: -20px auto 0;
  padding: 0 24px 48px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.educacion-tarjeta {
  background: white;
  border: 1px solid var(--borde);
  border-radius: 16px;
  padding: 22px 24px;
  box-shadow: var(--sombra-suave);
}

.educacion-tarjeta h2 {
  margin: 0 0 10px;
  font-size: 18px;
  color: var(--gris-oscuro);
  letter-spacing: -0.01em;
}

.educacion-tarjeta p {
  margin: 0 0 8px;
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--gris-oscuro);
}

.educacion-tarjeta p:last-child { margin-bottom: 0; }

.educacion-tarjeta ul {
  margin: 0 0 8px;
  padding-left: 20px;
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--gris-oscuro);
}

.educacion-disclaimer {
  font-size: 12px;
  color: var(--gris);
  text-align: center;
  line-height: 1.6;
  margin: 4px 0 0;
}

/* ---------- Chatbot de preguntas frecuentes ---------- */

.faq-chatbot-boton {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  border: none;
  background: var(--verde-vivo);
  color: white;
  font-size: 24px;
  cursor: pointer;
  box-shadow: var(--sombra);
  z-index: 1000;
}

.faq-chatbot-boton:hover {
  background: var(--verde-vivo-oscuro);
}

.faq-chatbot-panel {
  position: fixed;
  bottom: 92px;
  right: 24px;
  width: 340px;
  max-width: calc(100vw - 32px);
  height: 440px;
  max-height: calc(100vh - 140px);
  background: white;
  border-radius: 16px;
  box-shadow: var(--sombra);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  z-index: 1000;
}

.faq-chatbot-header {
  background: var(--verde-vivo);
  color: white;
  padding: 14px 16px;
  font-weight: 600;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq-chatbot-cerrar {
  background: none;
  border: none;
  color: white;
  font-size: 20px;
  line-height: 1;
  cursor: pointer;
}

.faq-chatbot-mensajes {
  flex: 1;
  overflow-y: auto;
  padding: 14px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-chatbot-mensaje {
  font-size: 13.5px;
  line-height: 1.5;
  padding: 9px 12px;
  border-radius: 12px;
  max-width: 88%;
}

.faq-chatbot-bot {
  background: var(--fondo-mint);
  color: var(--gris-oscuro);
  align-self: flex-start;
}

.faq-chatbot-usuario {
  background: var(--azul);
  color: white;
  align-self: flex-end;
}

.faq-chatbot-sugerencias {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.faq-chatbot-chip {
  text-align: left;
  background: white;
  border: 1px solid var(--borde);
  border-radius: 10px;
  padding: 7px 10px;
  font-size: 12.5px;
  color: var(--azul);
  cursor: pointer;
}

.faq-chatbot-chip:hover {
  background: var(--fondo-mint);
}

.faq-chatbot-form {
  display: flex;
  gap: 8px;
  padding: 10px;
  border-top: 1px solid var(--borde);
}

.faq-chatbot-form input {
  flex: 1;
  border: 1px solid var(--borde);
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 13px;
}

.faq-chatbot-enviar {
  background: var(--verde-vivo);
  color: white;
  border: none;
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
}

/* ---------- Responsive ---------- */

@media (max-width: 880px) {
  .auth-view {
    grid-template-columns: 1fr;
  }
  .auth-hero {
    padding: 40px 28px;
    gap: 24px;
  }
  .auth-hero h1 { font-size: 34px; }
  .beneficios-franja { max-width: none; }
  .hero-disclaimer { display: none; }
}

@media (max-width: 600px) {
  .educacion-hero h1 { font-size: 28px; }
}