/* FONDEANI · Formulario de radicación de crédito · v3 */
:root{
  --navy:#0B2A55;--navy-2:#123B73;--navy-3:#081E3F;--navy-soft:#E8EEF7;
  --orange:#F5711B;--orange-2:#FF9142;--orange-soft:#FFF1E7;
  --bg:#F3F6FA;--card:#fff;--text:#3F4B5E;--heading:#0D1B33;--muted:#6B778A;
  --line:#E2E8F0;--ok:#1E8E5A;--ok-soft:#E5F5EC;--warn-soft:#FFF4E2;--bad:#C0392B;--bad-soft:#FDECEA;
  --r:18px;--ease:cubic-bezier(.2,.75,.2,1);
  --sans:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;--disp:'Plus Jakarta Sans','Inter',sans-serif;--mono:'JetBrains Mono',monospace;
  --shadow:0 20px 50px -20px rgba(11,42,85,.28);--shadow-s:0 6px 18px -8px rgba(11,42,85,.2);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:15px;line-height:1.6}
a{color:var(--orange)}
:focus-visible{outline:3px solid var(--orange-2);outline-offset:2px}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}html{scroll-behavior:auto}}

/* Cabecera con vía animada */
.hero{position:relative;background:linear-gradient(120deg,var(--navy-3) 0%,var(--navy) 55%,var(--navy-2) 100%);color:#fff;overflow:hidden;padding:26px 0 96px}
.road{position:absolute;right:-60px;bottom:-30px;width:620px;height:300px;opacity:.9;pointer-events:none}
.road .dash{stroke-dasharray:18 22;animation:carril 1.6s linear infinite}
@keyframes carril{to{stroke-dashoffset:-40}}
.glow{position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(245,113,27,.28),transparent 65%);right:-120px;top:-220px;animation:respira 8s ease-in-out infinite}
@keyframes respira{50%{transform:scale(1.12);opacity:.7}}
.wrap{max-width:1240px;margin:0 auto;padding:0 20px;position:relative;z-index:1}
.topbar{display:flex;justify-content:space-between;align-items:center;gap:20px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:52px;background:#fff;border-radius:12px;padding:5px 9px;box-shadow:0 8px 20px rgba(0,0,0,.25)}
.brand b{display:block;font-family:var(--disp);font-size:19px;color:#fff;letter-spacing:-.01em}
.brand span{font-size:12px;color:#B8C7DE}
.secure{display:flex;align-items:center;gap:8px;font-size:12.5px;color:#C9D6EA;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);padding:7px 14px;border-radius:30px}
.secure svg{width:16px;height:16px;color:#7FE0A8}
.hero h1{font-family:var(--disp);font-size:clamp(28px,4vw,44px);margin:36px 0 8px;letter-spacing:-.02em;line-height:1.1;max-width:640px;animation:sube .8s var(--ease) both}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#FFB27A,var(--orange));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p{color:#C9D6EA;max-width:560px;margin:0;font-size:15.5px;animation:sube .8s .1s var(--ease) both}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px;animation:sube .8s .2s var(--ease) both}
.chips span{font-size:12px;font-weight:600;color:#E4ECF8;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);padding:6px 12px;border-radius:30px}
@keyframes sube{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}

/* Estructura */
.shell{display:grid;grid-template-columns:320px 1fr;gap:28px;max-width:1240px;margin:-60px auto 50px;padding:0 20px;position:relative;z-index:2}
.rail{position:sticky;top:18px;align-self:start;display:grid;gap:16px;min-width:0}
.shell>*,.rail>*{min-width:0}
.panel{background:var(--card);border-radius:var(--r);box-shadow:var(--shadow);border:1px solid rgba(11,42,85,.05)}
.steps-card{padding:22px 20px}
.steps-card h2{font:700 11px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}
.steps{list-style:none;margin:0;padding:0;position:relative}
.steps::before{content:"";position:absolute;left:16px;top:16px;bottom:16px;width:2px;background:var(--line)}
.steps .bar{position:absolute;left:16px;top:16px;width:2px;height:0;background:linear-gradient(var(--orange),var(--orange-2));transition:height .6s var(--ease)}
.steps li{position:relative;display:flex;align-items:center;gap:12px;padding:8px 0;font-size:13.5px;color:var(--muted)}
.steps .n{width:34px;height:34px;border-radius:50%;background:#fff;border:2px solid var(--line);display:grid;place-items:center;font:700 12.5px var(--mono);color:var(--muted);flex:none;position:relative;z-index:1;transition:all .4s var(--ease)}
.steps li.active{color:var(--heading);font-weight:600}
.steps li.active .n{border-color:var(--orange);color:var(--orange);background:var(--orange-soft);box-shadow:0 0 0 6px rgba(245,113,27,.14)}
.steps li.done{color:var(--navy);cursor:pointer}
.steps li.done .n{background:var(--navy);border-color:var(--navy);color:#fff}

/* Ficha en vivo */
.plate{position:relative;overflow:hidden;background:linear-gradient(160deg,var(--navy) 0%,var(--navy-3) 100%);color:#E6EEF9;border-radius:var(--r);padding:22px 20px;box-shadow:var(--shadow)}
.plate::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(90deg,rgba(255,255,255,.04) 0 1px,transparent 1px 26px),repeating-linear-gradient(0deg,rgba(255,255,255,.04) 0 1px,transparent 1px 26px);pointer-events:none}
.plate>*{position:relative}
.plate .ttl{display:flex;align-items:center;gap:8px;font:700 10.5px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#FFB27A;margin-bottom:12px}
.plate .ttl i{width:8px;height:8px;border-radius:50%;background:#7FE0A8;animation:latido 2s infinite}
@keyframes latido{0%{box-shadow:0 0 0 0 rgba(127,224,168,.7)}70%{box-shadow:0 0 0 8px rgba(127,224,168,0)}100%{box-shadow:0 0 0 0 rgba(127,224,168,0)}}
.plate .cuota{font:700 32px var(--mono);color:#fff;line-height:1.1;letter-spacing:-.02em}
.plate .cuota small{display:block;font:500 11.5px var(--sans);color:#9FB3D1;letter-spacing:0;margin-bottom:2px}
.plate dl{display:grid;grid-template-columns:auto 1fr;gap:7px 12px;margin:16px 0 0;font-size:12.5px;border-top:1px solid rgba(255,255,255,.1);padding-top:14px}
.plate dt{color:#9FB3D1}
.plate dd{margin:0;text-align:right;font-weight:600;color:#fff}
.plate dd.mono{font-family:var(--mono)}
.meter{margin-top:14px}
.meter .lbl{display:flex;justify-content:space-between;font-size:11.5px;color:#9FB3D1;margin-bottom:6px}
.meter .lbl b{color:#fff;font-family:var(--mono)}
.meter .trk{height:8px;border-radius:8px;background:rgba(255,255,255,.12);overflow:hidden}
.meter .trk i{display:block;height:100%;width:0;border-radius:8px;background:#7FE0A8;transition:width .6s var(--ease),background .4s}
.flags{display:grid;gap:6px;margin-top:12px}
.flag{font-size:11.5px;padding:7px 10px;border-radius:9px;line-height:1.35;animation:entra .4s var(--ease)}
.flag.warn{background:rgba(255,178,122,.16);color:#FFD5B5;border:1px solid rgba(255,178,122,.3)}
.flag.bad{background:rgba(255,110,90,.18);color:#FFC4BA;border:1px solid rgba(255,110,90,.35)}
.flag.ok{background:rgba(127,224,168,.14);color:#BFF0D3;border:1px solid rgba(127,224,168,.3)}

/* Contenido */
.content{overflow:hidden}
.progress{height:5px;background:var(--navy-soft)}
.progress i{display:block;height:100%;width:14%;background:linear-gradient(90deg,var(--navy),var(--orange));transition:width .6s var(--ease)}
.inner{padding:34px 40px 36px}
.step-panel{display:none}
.step-panel.active{display:block;animation:entra .55s var(--ease)}
.step-panel.active.back{animation:entraB .55s var(--ease)}
@keyframes entra{from{opacity:0;transform:translateX(26px)}to{opacity:1;transform:none}}
@keyframes entraB{from{opacity:0;transform:translateX(-26px)}to{opacity:1;transform:none}}
.step-head{margin-bottom:24px}
.eyebrow{display:inline-block;font:700 11px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--orange);background:var(--orange-soft);padding:5px 11px;border-radius:30px}
.step-head h2{font-family:var(--disp);font-size:27px;color:var(--heading);margin:12px 0 6px;letter-spacing:-.015em;line-height:1.2}
.step-head p{margin:0;color:var(--muted);font-size:14.5px;max-width:62ch}
fieldset{border:1px solid var(--line);border-radius:16px;margin:0 0 20px;padding:20px 22px 6px;background:#fff;transition:border-color .3s,box-shadow .3s;min-width:0}
fieldset:focus-within{border-color:#C8D5E8;box-shadow:0 10px 30px -18px rgba(11,42,85,.35)}
legend{font:700 14px var(--disp);color:var(--navy);padding:0 8px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.grid3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0 16px}
.field{margin-bottom:16px}
label.l{display:block;font-size:12.5px;font-weight:600;color:var(--heading);margin-bottom:6px}
.req{color:var(--bad)}
input[type=text],input[type=number],input[type=date],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:14.5px;color:var(--heading);padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#FBFCFE;transition:border-color .2s,box-shadow .2s,background .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--orange);background:#fff;box-shadow:0 0 0 4px rgba(245,113,27,.13)}
textarea{min-height:84px;resize:vertical}
input.inv,select.inv,textarea.inv{border-color:var(--bad);box-shadow:0 0 0 4px var(--bad-soft);animation:sacude .35s}
@keyframes sacude{25%{transform:translateX(-4px)}75%{transform:translateX(4px)}}
.help{font-size:12px;color:var(--muted);margin-top:5px}
.callout{border-radius:14px;padding:14px 16px;font-size:13.5px;background:var(--navy-soft);color:var(--navy);margin-bottom:18px;border:1px solid #D4DFEF}
.callout strong{display:block;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:3px}
.callout.amber{background:var(--warn-soft);border-color:#F6DDB5;color:#7A4A06}
.callout.ok{background:var(--ok-soft);border-color:#BFE6CF;color:#155E3C}
.patrimonio b{font:700 20px var(--mono)}
.hidden{display:none!important}

/* Selector de línea */
.tipo-lbl{font:700 10.5px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:4px 0 8px}
.lineas{display:grid;grid-template-columns:repeat(auto-fill,minmax(168px,1fr));gap:10px;margin-bottom:18px}
.lin{position:relative;text-align:left;border:1.5px solid var(--line);background:#fff;border-radius:14px;padding:13px 13px 12px;cursor:pointer;font:inherit;color:inherit;transition:all .3s var(--ease)}
.lin:hover{border-color:#F7B48A;transform:translateY(-2px);box-shadow:var(--shadow-s)}
.lin svg{width:24px;height:24px;color:var(--navy);margin-bottom:6px;display:block}
.lin b{display:block;font-size:13px;color:var(--heading);line-height:1.25;padding-right:36px}
.lin small{display:block;font-size:11px;color:var(--muted);margin-top:3px}
.lin .tasa{position:absolute;top:10px;right:10px;font:700 10.5px var(--mono);color:var(--orange);background:var(--orange-soft);padding:2px 7px;border-radius:20px}
.lin.on{border-color:var(--orange);background:linear-gradient(160deg,#FFF6EF,#fff);box-shadow:0 0 0 4px rgba(245,113,27,.14),var(--shadow-s)}
.lin.on svg{color:var(--orange)}

/* Controles */
.sliders{display:grid;grid-template-columns:1.2fr 1fr;gap:18px;margin-bottom:6px}
.sl{background:var(--bg);border-radius:14px;padding:16px 16px 12px}
.sl .top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:10px}
.sl .top label{margin:0}
.sl .top input{max-width:170px;text-align:right;font:700 15px var(--mono);padding:8px 12px}
.sl .top input#plazo{max-width:90px}
.sl .lim{display:flex;justify-content:space-between;font-size:11px;color:var(--muted);margin-top:4px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:8px;background:linear-gradient(90deg,var(--orange) 0 var(--p,50%),#DCE3EE var(--p,50%));outline:none;padding:0;border:0;margin:8px 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:6px solid var(--orange);box-shadow:0 4px 12px rgba(245,113,27,.45);cursor:pointer;transition:transform .2s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:#fff;border:6px solid var(--orange);cursor:pointer}

/* Resultado y amortización */
.res{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:16px 0}
.res div{border-radius:14px;padding:14px 16px;background:var(--navy);color:#fff}
.res div:first-child{background:linear-gradient(135deg,var(--orange),var(--orange-2))}
.res span{display:block;font-size:11.5px;color:rgba(255,255,255,.78)}
.res b{font:700 18px var(--mono)}
.amort{border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin-bottom:20px}
.amort-h{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap}
.amort-h h3{margin:0;font:700 15px var(--disp);color:var(--navy)}
.legend{display:flex;gap:14px;font-size:12px;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px;vertical-align:-1px}
.chart{display:flex;align-items:flex-end;gap:2px;height:130px;margin:14px 0 6px}
.chart .b{flex:1;display:flex;flex-direction:column;min-width:2px;border-radius:3px 3px 0 0;overflow:hidden;transform-origin:bottom;animation:crece .8s var(--ease) both}
.chart .b .c{background:var(--navy)}
.chart .b .in{background:var(--orange)}
@keyframes crece{from{transform:scaleY(0)}}
.chart-x{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}
details.tabla{margin-top:12px}
details.tabla summary{cursor:pointer;font-weight:600;color:var(--orange);font-size:13.5px}
.tw{max-height:320px;overflow:auto;margin-top:10px;border:1px solid var(--line);border-radius:12px}
table.am{width:100%;border-collapse:collapse;font-size:12.5px}
table.am th{position:sticky;top:0;background:var(--navy);color:#fff;text-align:right;padding:9px 10px;font-weight:600}
table.am th:first-child,table.am td:first-child{text-align:center}
table.am td{padding:7px 10px;text-align:right;border-bottom:1px solid var(--line);font-family:var(--mono);font-size:12px}
table.am tr:nth-child(even) td{background:#F8FAFD}
table.am tfoot td{font-weight:700;background:var(--orange-soft);color:var(--heading)}

/* Codeudores */
.codeudor-block{border:1.5px solid #F7C9A9;border-radius:16px;padding:18px 20px 4px;margin-bottom:16px;background:linear-gradient(180deg,#FFFAF6,#fff);animation:entra .5s var(--ease)}
.codeudor-block h3{display:flex;align-items:center;gap:10px;font:700 15px var(--disp);color:var(--navy);margin:0 0 14px}
.codeudor-block h3 i{width:30px;height:30px;border-radius:10px;background:var(--orange);color:#fff;display:grid;place-items:center;font-style:normal;font-size:13px}

/* Autorizaciones */
.legal-cards{display:grid;gap:12px;margin-bottom:12px}
.legal-card{display:flex;gap:14px;align-items:flex-start;border:1.5px solid var(--line);border-radius:14px;padding:16px;cursor:pointer;transition:all .3s var(--ease);background:#fff}
.legal-card:hover{border-color:#C8D5E8}
.legal-card input{appearance:none;-webkit-appearance:none;width:24px;height:24px;border-radius:8px;border:2px solid #B7C3D6;flex:none;margin-top:2px;cursor:pointer;transition:all .25s var(--ease);background:#fff center/14px no-repeat}
.legal-card input:checked{background-color:var(--ok);border-color:var(--ok);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E");animation:pop .35s var(--ease)}
.legal-card.chk{border-color:#A6DCBE;background:#F6FCF8}
.legal-card.err{border-color:var(--bad);background:var(--bad-soft)}
.legal-card h4{margin:0 0 4px;font:700 14px var(--disp);color:var(--heading)}
.legal-card p{margin:0;font-size:13px;color:var(--muted);line-height:1.55}
@keyframes pop{0%{transform:scale(.6)}70%{transform:scale(1.12)}100%{transform:scale(1)}}

/* Documentos */
.drop{position:relative;display:flex;align-items:center;gap:16px;border:2px dashed #C9D4E5;border-radius:16px;padding:16px 18px;background:#FBFCFE;margin-bottom:12px;transition:all .3s;cursor:pointer}
.drop:hover,.drop.over{border-color:var(--orange);background:var(--orange-soft)}
.drop input{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%}
.drop .di{width:48px;height:48px;border-radius:14px;background:#fff;color:var(--navy);display:grid;place-items:center;box-shadow:var(--shadow-s);flex:none;transition:all .3s}
.drop .di svg{width:24px;height:24px}
.drop b{display:block;color:var(--heading);font-size:14px}
.drop small{display:block;color:var(--muted);font-size:12px}
.drop .files{color:var(--ok);font-weight:600}
.drop.has{border-style:solid;border-color:#9ED8B7;background:var(--ok-soft)}
.drop.has .di{background:var(--ok);color:#fff}
.drop.err{border-color:var(--bad);background:var(--bad-soft)}

/* Revisión */
.review{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.review>div{background:var(--bg);border-radius:14px;padding:14px 16px}
.review h4{display:flex;justify-content:space-between;margin:0 0 8px;font:700 12px var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.review h4 button{border:0;background:none;color:var(--orange);font:600 12px var(--sans);cursor:pointer;padding:0}
.review dl{display:grid;grid-template-columns:auto 1fr;gap:4px 10px;margin:0;font-size:13px}
.review dt{color:var(--muted)}.review dd{margin:0;text-align:right;font-weight:600;color:var(--heading);word-break:break-word}

/* Navegación */
.nav-buttons{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:8px;padding-top:20px;border-top:1px solid var(--line)}
.btn{display:inline-flex;align-items:center;gap:10px;font:700 14.5px var(--sans);padding:13px 24px;border-radius:12px;cursor:pointer;border:2px solid transparent;position:relative;overflow:hidden;transition:all .25s var(--ease)}
.btn-primary{background:linear-gradient(135deg,var(--orange),var(--orange-2));color:#fff;box-shadow:0 10px 24px -10px rgba(245,113,27,.8)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 30px -10px rgba(245,113,27,.9)}
.btn-primary::after{content:"";position:absolute;inset:0;background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.4) 50%,transparent 70%);transform:translateX(-120%);transition:transform .7s var(--ease)}
.btn-primary:hover::after{transform:translateX(120%)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy)}
.btn:disabled{opacity:.6;cursor:wait;transform:none}
.paso{font:600 12.5px var(--mono);color:var(--muted)}

/* Envío */
.overlay{position:fixed;inset:0;background:rgba(8,30,63,.88);backdrop-filter:blur(6px);display:none;align-items:center;justify-content:center;z-index:50;color:#fff;text-align:center;padding:20px}
.overlay.on{display:flex;animation:entra .4s var(--ease)}
.overlay .spin{width:76px;height:76px;margin:0 auto 22px;border-radius:50%;border:5px solid rgba(255,255,255,.15);border-top-color:var(--orange);animation:gira 1s linear infinite}
@keyframes gira{to{transform:rotate(360deg)}}
.overlay h3{font:700 22px var(--disp);margin:0 0 6px}
.overlay p{color:#C9D6EA;margin:0}
.overlay ol{list-style:none;padding:0;margin:18px 0 0;font-size:13.5px;color:#9FB3D1}
.overlay li{margin:6px 0;transition:color .3s}
.overlay li.ok{color:#7FE0A8}
.overlay li.ok::before{content:"✓ "}

footer.legal{max-width:1240px;margin:0 auto 40px;padding:0 20px;font-size:11.5px;color:#8A96A8;text-align:center}

@media (max-width:980px){
  .shell{grid-template-columns:1fr;margin-top:-56px}
  .rail{display:contents}
  .steps-card{order:1}.content{order:2}.plate{order:3}
  .steps{display:flex;gap:6px;overflow-x:auto;padding:8px}
  .steps::before,.steps .bar{display:none}
  .steps li span:not(.n){display:none}.steps li.active span{display:inline;white-space:nowrap}
}
@media (max-width:680px){
  .inner{padding:24px 18px}
  .grid2,.grid3,.sliders,.review{grid-template-columns:1fr}
  .res{grid-template-columns:1fr 1fr}
  .road{width:420px;opacity:.45}
  .secure{display:none}
  .nav-buttons .paso{display:none}
  .lineas{grid-template-columns:1fr 1fr}
  .lin b{font-size:12.5px}
}