/* ============================================================
   ACTIVOS-BANCARIOS.CSS — Nordic Consultores
   Prefijo: .act-
   ============================================================ */

:root {
  --act-gold:      #9B8355;
  --act-gold-l:    #C4A96D;
  --act-navy:      #0B1D2E;
  --act-core:      #162844;
  --act-mid:       #2A4A6B;
  --act-blue:      #3E6690;
  --act-ice:       #F0F4F8;
  --act-line:      #D9E2EC;
  --act-text:      #2C2F36;
  --act-muted:     #6B7280;
  --act-t:         0.2s ease;
}

/* ── Container ──────────────────────────────────────────────── */
.act-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 clamp(24px, 6vw, 80px);
}

/* ── Label ──────────────────────────────────────────────────── */
.act-label {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 11px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--act-gold);
  display: block;
  margin-bottom: 20px;
}
.act-label--navy { color: var(--act-core); }

/* ── H2 ─────────────────────────────────────────────────────── */
.act-h2 {
  font-family: 'Jost', sans-serif;
  font-weight: 200;
  font-size: clamp(30px, 3.6vw, 42px);
  line-height: 1.1;
  letter-spacing: -0.005em;
  margin: 0 0 20px;
}
.act-h2--white { color: #fff; }
.act-h2--navy  { color: var(--act-navy); }

/* ── Reveal ─────────────────────────────────────────────────── */
.act-reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.act-reveal.is-visible { opacity: 1; transform: none; }

/* ================================================================
   S01 — HERO
   ================================================================ */
.act-hero {
  background: var(--act-navy);
  position: relative;
  height: 100vh;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.act-hero__bg {
  position: absolute;
  inset: 0;
  background-image: url('../Assets/images-videos/hero/heroe-office.jpg');
  background-size: cover;
  background-position: center;
  z-index: 0;
}

.act-hero__overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 29, 46, 0.72);
  z-index: 0;
}

.act-hero__body,
.act-strip {
  position: relative;
  z-index: 1;
}

.act-hero__body {
  max-width: var(--container-max);
  margin-inline: auto;
  flex: 1;
  min-height: 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(24px, 4vh, 60px) var(--container-px) clamp(24px, 4vh, 60px) calc(var(--container-px) - 20px);
  text-align: left;
}

.act-hero__eyebrow {
  display: block;
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--act-gold);
  margin-bottom: 28px;
}

.act-hero__h1 {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: clamp(38px, 5vw + 1vh, 72px);
  color: #fff;
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin: 0 0 22px;
}

.act-hero__tagline {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: clamp(16px, 1.6vw, 20px);
  color: var(--act-gold-l);
  line-height: 1.4;
  letter-spacing: -0.003em;
  margin: 0 0 24px;
  white-space: nowrap;
}

.act-hero__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 17px;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.7;
  max-width: 540px;
  margin: 0 0 40px;
}

.act-hero__cta {
  display: inline-block;
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #fff;
  background: var(--act-gold);
  border: 1px solid var(--act-gold);
  padding: 16px 28px;
  text-decoration: none;
  transition: background 0.2s ease;
  cursor: pointer;
}
.act-hero__cta:hover {
  background: #8B7348;
}
.act-hero__cta-arrow {
  display: inline-block;
  transition: transform 0.25s ease;
}
.act-hero__cta:hover .act-hero__cta-arrow {
  transform: translateX(4px);
}

/* Strip */
.act-strip {
  border-top: 1px solid rgba(155, 131, 85, 0.30);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.act-strip__item {
  padding: clamp(20px, 3vh, 32px) 0;
  text-align: center;
  border-right: 1px solid rgba(155, 131, 85, 0.3);
}
.act-strip__item:last-child { border-right: none; }

.act-strip__num {
  font-family: 'Jost', sans-serif;
  font-weight: 200;
  font-size: 22px;
  color: var(--act-gold-l);
  display: block;
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}

.act-strip__label {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.50);
}

/* ================================================================
   S02 — EL MERCADO
   ================================================================ */
.act-s02 {
  background: var(--act-navy);
  padding: 72px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.act-s02__grid {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 clamp(24px, 6vw, 80px);
  display: grid;
  grid-template-columns: 45fr 55fr;
  gap: 80px;
  align-items: start;
}

.act-s02__rule {
  width: 40px;
  height: 1px;
  background: var(--act-gold);
  margin-bottom: 24px;
}

.act-s02__h2 {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: clamp(32px, 3.6vw, 48px);
  line-height: 1.05;
  color: #fff;
  text-align: left;
  margin: 0;
}

.act-s02__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: rgba(255, 255, 255, 0.70);
  line-height: 1.8;
  text-align: left;
  margin: 0;
}

/* ================================================================
   S03 — TRES MODALIDADES
   ================================================================ */
.act-s03 {
  background: var(--act-ice);
  padding: 100px 0;
}

.act-s03__header {
  text-align: center;
  max-width: 1100px;
  margin: 0 auto 56px;
}

.act-s03__h2 {
  font-weight: 300;
  font-size: clamp(30px, 3.2vw, 44px);
  color: var(--act-navy);
}

.act-s03__intro {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: var(--act-blue);
  line-height: 1.7;
  margin: 16px 0 0;
}

.act-s03__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* Card */
.act-card {
  background: #fff;
  border-top: 3px solid var(--act-gold);
  padding: 40px;
  display: flex;
  flex-direction: column;
  transition: border-color var(--act-t), box-shadow var(--act-t);
}
.act-card:hover {
  border-top-color: var(--act-core);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
}

.act-card__eyebrow {
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 10px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--act-gold);
  margin-bottom: 16px;
  display: block;
}

.act-card__h3 {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: 22px;
  color: var(--act-navy);
  line-height: 1.3;
  margin: 0 0 20px;
}

.act-card__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 15px;
  color: var(--act-blue);
  line-height: 1.7;
  margin: 0 0 28px;
  flex-grow: 1;
}

/* Tech details table inside card */
.act-card__details {
  background: var(--act-ice);
  padding: 16px;
  margin-top: auto;
}

.act-card__detail-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  padding: 8px 0;
  border-bottom: 1px solid var(--act-line);
}
.act-card__detail-row:last-child { border-bottom: none; }

.act-card__detail-label {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--act-muted);
  flex-shrink: 0;
}

.act-card__detail-val {
  font-family: 'Inter', sans-serif;
  font-weight: 400;
  font-size: 13px;
  color: var(--act-navy);
  text-align: right;
}

/* ================================================================
   S04 — EL DIFERENCIAL
   ================================================================ */
.act-s04 {
  background: var(--act-core);
  padding: 100px 0;
}

.act-s04__header {
  text-align: center;
  max-width: 900px;
  margin: 0 auto 64px;
}

.act-s04__h2 {
  font-weight: 350;
  color: #fff;
}

.act-s04__intro {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.72;
  max-width: 600px;
  margin: 20px auto 0;
}

.act-s04__cols {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}

.act-s04__col {
  border-top: 1px solid rgba(155, 131, 85, 0.5);
  padding-top: 32px;
}

.act-s04__numdeco {
  font-family: 'Jost', sans-serif;
  font-weight: 200;
  font-size: 48px;
  color: var(--act-gold-l);
  opacity: 0.4;
  position: relative;
  display: block;
  margin-bottom: -8px;
}

.act-s04__eyebrow {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 10px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--act-gold-l);
  display: block;
  margin-bottom: 12px;
}

.act-s04__h3 {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: 20px;
  color: #fff;
  line-height: 1.3;
  margin: 0 0 16px;
}

.act-s04__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.60);
  line-height: 1.7;
  margin: 0;
}

/* ================================================================
   S05 — PROCESO
   ================================================================ */
.act-s05 {
  position: relative;
  overflow: hidden;
  padding: 100px 0;
}

.act-s05__bg {
  position: absolute;
  inset: 0;
  background-image: url('../Assets/images-videos/sections/section-acuerdo.jpg');
  background-size: cover;
  background-position: center;
  z-index: 0;
}

.act-s05__overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 29, 46, 0.82);
  z-index: 1;
}

.act-s05 > .act-container {
  position: relative;
  z-index: 2;
}

.act-s05__header {
  text-align: center;
  max-width: 900px;
  margin: 0 auto 64px;
}

.act-s05__h2 {
  font-weight: 350;
}

.act-s05__intro {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: rgba(255, 255, 255, 0.70);
  line-height: 1.7;
  margin: 16px 0 0;
}

.act-s05__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  position: relative;
}

.act-s05__steps::before {
  content: '';
  position: absolute;
  top: 26px;
  left: 12.5%;
  right: 12.5%;
  height: 2px;
  background: rgba(155, 131, 85, 0.4);
  z-index: 0;
}

.act-s05__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}

.act-s05__circle {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--act-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Jost', sans-serif;
  font-weight: 200;
  font-size: 22px;
  color: #fff;
  flex-shrink: 0;
  margin-bottom: 24px;
}

.act-s05__step-h3 {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 18px;
  color: #fff;
  margin: 0 0 12px;
  line-height: 1.3;
}

.act-s05__step-p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.7;
  max-width: 220px;
  margin: 0 auto;
}

/* ================================================================
   S06 — FAQ
   ================================================================ */
.act-s06 {
  background: var(--act-ice);
  padding: 100px 0;
}

.act-s06__header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 52px;
}

.act-s06__title {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 39px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--act-gold);
  margin: 0;
}

.act-s06__list {
  max-width: 800px;
  margin: 0 auto;
}

.act-s06__item {
  border-bottom: 1px solid var(--act-line);
}
.act-s06__item:first-child { border-top: 1px solid var(--act-line); }

.act-s06__q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 24px 0;
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 16px;
  color: var(--act-navy);
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
}

.act-s06__icon {
  font-size: 22px;
  font-weight: 300;
  color: var(--act-gold);
  flex-shrink: 0;
  line-height: 1;
  transition: transform var(--act-t);
  font-family: 'Jost', sans-serif;
}
.act-s06__item.is-open .act-s06__icon { transform: rotate(45deg); }

.act-s06__body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.act-s06__item.is-open .act-s06__body { max-height: 400px; }

.act-s06__a {
  padding-bottom: 24px;
}
.act-s06__a p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 15px;
  color: var(--act-blue);
  line-height: 1.7;
  margin: 0;
}

/* ================================================================
   S06B — OTRAS MODALIDADES
   ================================================================ */
.act-s06b {
  background: #fff;
  padding: 80px 0;
}

.act-s06b__header {
  max-width: 900px;
  margin: 0 auto 48px;
}

.act-s06b__h2 {
  font-size: clamp(28px, 3.4vw, 40px);
  font-weight: 350;
}

.act-s06b__intro {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: var(--act-blue);
  line-height: 1.7;
  max-width: 560px;
  margin: 0;
}

.act-s06b__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.act-s06b__card {
  background: #fff;
  border: 1px solid var(--act-line);
  border-top: 2px solid var(--act-gold);
  border-radius: 0;
  padding: 28px;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--act-t), border-color var(--act-t);
}
.act-s06b__card:hover {
  border-color: var(--act-gold);
  box-shadow: 0 4px 20px rgba(22, 40, 68, 0.08);
}

.act-s06b__eyebrow {
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 10px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--act-gold);
  margin-bottom: 12px;
  display: block;
}

.act-s06b__h3 {
  font-family: 'Jost', sans-serif;
  font-weight: 300;
  font-size: 18px;
  color: var(--act-navy);
  line-height: 1.3;
  margin: 0 0 12px;
}

.act-s06b__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 14px;
  color: var(--act-blue);
  line-height: 1.7;
  margin: 0 0 20px;
  flex-grow: 1;
}

.act-s06b__link {
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--act-gold);
  text-decoration: none;
  transition: color var(--act-t);
}
.act-s06b__link:hover { text-decoration: underline; }

/* ================================================================
   S07 — FORMULARIO
   ================================================================ */
.act-s07 {
  background: var(--act-navy);
  padding: 0;
}

.act-s07__layout {
  display: flex;
  align-items: stretch;
}

.act-s07__left {
  flex: 1 1 56%;
  padding: 100px clamp(24px, 6vw, 80px);
}

.act-s07__right {
  flex: 1 1 44%;
  background-image: url('../Assets/images-videos/sections/section-red-privada.jpg');
  background-size: cover;
  background-position: center;
}

.act-s07__header {
  text-align: left;
  margin-bottom: 52px;
}

.act-s07__sublabel {
  display: block;
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--act-gold);
  margin-bottom: 16px;
}

.act-s07__h2 {
  font-family: 'Jost', sans-serif;
  font-weight: 200;
  font-size: clamp(36px, 4vw, 48px);
  color: #fff;
  line-height: 1.1;
  margin: 0 0 24px;
  letter-spacing: -0.01em;
}

.act-s07__p {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 16px;
  color: rgba(255, 255, 255, 0.60);
  line-height: 1.75;
  max-width: 560px;
  margin: 0 0 10px;
}

.act-s07__form-wrap {
  max-width: 720px;
  margin: 0;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.10);
  padding: 48px;
}

.act-s07__grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

.act-s07__field {
  display: flex;
  flex-direction: column;
  margin-bottom: 20px;
}
.act-s07__grid-2 .act-s07__field { margin-bottom: 0; }

.act-s07__label {
  font-family: 'Jost', sans-serif;
  font-weight: 400;
  font-size: 10px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.50);
  margin-bottom: 6px;
}

.act-s07__optional {
  font-weight: 300;
  opacity: 0.7;
  font-size: 9px;
}

.act-s07__input,
.act-s07__select,
.act-s07__textarea {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 15px;
  color: #fff;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 12px 16px;
  outline: none;
  transition: border-color var(--act-t);
  appearance: none;
  -webkit-appearance: none;
}
.act-s07__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(155,131,85,0.7)' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}
.act-s07__select option { background: #162844; color: #fff; }
.act-s07__input::placeholder { color: rgba(255, 255, 255, 0.30); }
.act-s07__textarea::placeholder { color: rgba(255, 255, 255, 0.30); }
.act-s07__input:focus,
.act-s07__select:focus,
.act-s07__textarea:focus { border-color: var(--act-gold); }
.act-s07__textarea { resize: vertical; }

.act-s07__check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 24px 0;
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.70);
  cursor: pointer;
  line-height: 1.5;
}
.act-s07__check input { margin-top: 3px; flex-shrink: 0; }
.act-s07__check a { color: var(--act-gold-l); text-decoration: none; }
.act-s07__check a:hover { text-decoration: underline; }

.act-s07__submit {
  width: 100%;
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 14px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: #fff;
  background: var(--act-gold);
  border: none;
  padding: 18px;
  cursor: pointer;
  transition: background var(--act-t);
}
.act-s07__submit:hover { background: #8A7248; }

.act-s07__note {
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.35);
  text-align: center;
  margin: 16px 0 0;
  letter-spacing: 0.04em;
}

/* Error messages */
.act-form-error {
  color: #DC2626;
  font-size: 0.75rem;
  margin-top: 4px;
  font-family: 'Inter', sans-serif;
  font-weight: 300;
}

/* ================================================================
   RESPONSIVE
   ================================================================ */
@media (max-width: 1024px) {
  .act-s04__cols {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }
  .act-hero__tagline { white-space: normal; }
}

@media (max-width: 900px) {
  .act-s02__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .act-s03__grid,
  .act-s06b__grid {
    grid-template-columns: 1fr;
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
  }
}

@media (max-width: 768px) {
  .act-s02,
  .act-s03,
  .act-s04,
  .act-s05,
  .act-s06,
  .act-s06b { padding: 60px 0; }

  .act-s07__layout { flex-direction: column; }
  .act-s07__left { padding: 60px clamp(20px, 5vw, 40px); }
  .act-s07__right { flex: 0 0 260px; }

  .act-hero { height: auto; min-height: 100vh; }
  .act-hero__bg { background-image: url('../Assets/images-videos/hero/hero-bancario-mobile.jpg'); }
  .act-hero__body {
    padding-top: 120px;
    padding-bottom: 48px;
    padding-left: clamp(28px, 8vw, 40px);
    padding-right: clamp(28px, 8vw, 40px);
  }
  .act-hero__tagline {
    white-space: normal;
    font-weight: 500;
    font-size: clamp(17px, 4vw, 20px);
  }

  .act-strip {
    grid-template-columns: 1fr;
  }
  .act-strip__item {
    border-right: none;
    border-bottom: 1px solid rgba(155, 131, 85, 0.15);
  }
  .act-strip__item:last-child { border-bottom: none; }

  .act-s04__cols { grid-template-columns: 1fr; }

  .act-s05__steps {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .act-s05__steps::before { display: none; }
  .act-s05__step {
    flex-direction: row;
    align-items: flex-start;
    text-align: left;
    gap: 20px;
    padding: 0;
  }
  .act-s05__circle { flex-shrink: 0; margin-bottom: 0; }
  .act-s05__step-p { max-width: none; margin: 0; }

  .act-s07__grid-2 { grid-template-columns: 1fr; }
  .act-s07__form-wrap { padding: 32px clamp(20px, 5vw, 40px); }
  .act-s06b__grid { grid-template-columns: 1fr; }

  .act-s05__bg { background-image: url('../Assets/images-videos/sections/section-firma-mobile.png'); }
}

@media (max-width: 480px) {
  .act-hero__h1 { font-size: 36px; }
  .act-hero__cta { padding: 14px 28px; font-size: 12px; }
}