/* =========================================================
   BANCA FINANCIERA — "quiet luxury" fintech, 2026
   Deep navy canvas, champagne gold accent, editorial serif
   Display: Fraunces   Body: Inter   Data/mono: IBM Plex Mono
   ========================================================= */

:root{
  --navy-950:#05090F;
  --navy-900:#080F1C;
  --navy-800:#0C1626;
  --navy-700:#122036;
  --navy-600:#1A2E4A;
  --gold-600:#A9863A;
  --gold-500:#C7A24E;
  --gold-300:#E4C978;
  --gold-glow:rgba(199,162,78,.18);
  --green-500:#7CB93B;
  --teal-500:#17C4B0;
  --ivory:#F4EFE4;
  --ivory-dim:#D9D3C4;
  --fog:#93A2BC;
  --fog-dim:#5E6C86;
  --line:rgba(244,239,228,.12);
  --line-soft:rgba(244,239,228,.07);
  --glass:rgba(244,239,228,.035);
  --glass-hover:rgba(244,239,228,.06);
  --shadow-soft: 0 20px 60px rgba(0,0,0,.35);
  --shadow-gold: 0 16px 40px rgba(199,162,78,.16);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --font-display:'Fraunces', 'Georgia', serif;
  --font-body:'Inter', system-ui, sans-serif;
  --font-mono:'IBM Plex Mono', ui-monospace, monospace;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{ animation-duration:.001ms !important; animation-iteration-count:1 !important; transition-duration:.001ms !important; }
}

body{
  margin:0;
  font-family:var(--font-body);
  font-weight:400;
  color:var(--fog);
  background:var(--navy-950);
  -webkit-font-smoothing:antialiased;
  line-height:1.7;
  position:relative;
}

/* fine film-grain texture over the whole page, very subtle */
body::before{
  content:"";
  position:fixed;
  inset:0;
  z-index:1;
  pointer-events:none;
  opacity:.035;
  mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

h1,h2,h3,h4{
  font-family:var(--font-display);
  font-weight:500;
  color:var(--ivory);
  margin:0 0 .5em;
  line-height:1.14;
  letter-spacing:-.01em;
}
em{ font-style:italic; color:var(--gold-300); }

p{ margin:0 0 1em; color:var(--fog); }

a{ color:inherit; text-decoration:none; }
img{ max-width:100%; display:block; }
ul,ol{ margin:0; padding:0; list-style:none; }

.mono{ font-family:var(--font-mono); font-weight:500; letter-spacing:.03em; }

.wrap{
  width:100%;
  max-width:1180px;
  margin:0 auto;
  padding:0 24px;
  position:relative;
  z-index:2;
}

/* ---------- eyebrow / kicker ---------- */
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:12px;
  font-family:var(--font-mono);
  font-size:.7rem;
  font-weight:500;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--gold-300);
  margin-bottom:22px;
}
.eyebrow::before{
  content:"";
  width:28px; height:1px;
  background:var(--gold-500);
  display:block;
}
.eyebrow.center::before{ display:none; }
.eyebrow.center{ justify-content:center; }

/* ---------- buttons & links ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:9px;
  padding:15px 30px;
  border-radius:3px;
  font-family:var(--font-body);
  font-weight:600;
  font-size:.85rem;
  letter-spacing:.03em;
  border:1px solid transparent;
  cursor:pointer;
  transition:transform .25s cubic-bezier(.2,.7,.3,1), box-shadow .25s ease, background-color .25s ease, color .25s ease, border-color .25s ease;
  white-space:nowrap;
}
.btn-primary{
  background:linear-gradient(135deg, var(--gold-300), var(--gold-600));
  color:var(--navy-950);
  box-shadow:var(--shadow-gold);
}
.btn-primary:hover{ transform:translateY(-2px); box-shadow:0 20px 46px rgba(199,162,78,.26); }
.btn-outline{
  background:transparent;
  color:var(--ivory);
  border-color:var(--line);
}
.btn-outline:hover{ border-color:var(--gold-500); color:var(--gold-300); }
.btn-sm{ padding:11px 20px; font-size:.78rem; }
.btn-block{ width:100%; }

.text-link{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-weight:600;
  font-size:.88rem;
  color:var(--ivory);
  border-bottom:1px solid var(--line);
  padding-bottom:3px;
  transition:color .2s ease, border-color .2s ease, gap .2s ease;
}
.text-link:hover{ color:var(--gold-300); border-color:var(--gold-500); gap:12px; }
.text-link svg{ flex-shrink:0; }

/* ---------- header ---------- */
.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:transparent;
  border-bottom:1px solid transparent;
  transition:background-color .3s ease, border-color .3s ease, backdrop-filter .3s ease;
}
.site-header.scrolled{
  background:rgba(6,11,20,.82);
  backdrop-filter:saturate(160%) blur(16px);
  border-bottom-color:var(--line);
}
.header-inner{
  display:flex;
  align-items:center;
  gap:24px;
  height:88px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  flex-shrink:0;
}
.brand-mark{ width:34px; height:auto; object-fit:contain; }
.brand-text{
  font-family:var(--font-display);
  font-weight:500;
  color:var(--ivory);
  letter-spacing:.04em;
  font-size:1.02rem;
  text-transform:uppercase;
}
.brand-text strong{ font-weight:600; color:var(--gold-300); }

.main-nav{
  display:flex;
  align-items:center;
  gap:34px;
  margin-left:auto;
}
.main-nav a{
  font-size:.76rem;
  font-weight:500;
  letter-spacing:.09em;
  text-transform:uppercase;
  color:var(--fog);
  position:relative;
  padding:6px 0;
  transition:color .2s ease;
}
.main-nav a::after{
  content:"";
  position:absolute;
  left:0; right:0; bottom:0;
  height:1px;
  background:var(--gold-500);
  transform:scaleX(0);
  transform-origin:left;
  transition:transform .25s ease;
}
.main-nav a:hover{ color:var(--ivory); }
.main-nav a:hover::after{ transform:scaleX(1); }

.header-cta{ flex-shrink:0; }

.nav-toggle{
  display:none;
  width:40px; height:40px;
  border:none;
  background:transparent;
  cursor:pointer;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  gap:5px;
  flex-shrink:0;
}
.nav-toggle span{
  display:block;
  width:22px; height:1px;
  background:var(--ivory);
  transition:transform .25s ease, opacity .25s ease;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1){ transform:translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2){ opacity:0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3){ transform:translateY(-6px) rotate(-45deg); }

/* ---------- reveal on scroll ---------- */
[data-reveal].pre-reveal{ opacity:0; transform:translateY(26px); }
[data-reveal]{ transition:opacity .9s cubic-bezier(.2,.7,.2,1), transform .9s cubic-bezier(.2,.7,.2,1); }
[data-reveal].in-view{ opacity:1; transform:translateY(0); }

/* ---------- hero ---------- */
.hero{
  padding:96px 0 120px;
  position:relative;
  overflow:hidden;
}
.hero::before{
  content:"";
  position:absolute;
  top:-220px; right:-160px;
  width:640px; height:640px;
  background:radial-gradient(circle, var(--gold-glow), transparent 70%);
  pointer-events:none;
}
.hero::after{
  content:"";
  position:absolute;
  bottom:-260px; left:-200px;
  width:560px; height:560px;
  background:radial-gradient(circle, rgba(23,196,176,.08), transparent 70%);
  pointer-events:none;
}
.hero-inner{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:64px;
  align-items:center;
}
.hero h1{
  font-size:clamp(2.3rem, 4.4vw, 3.6rem);
  max-width:15ch;
  font-weight:500;
}
.hero-lead{
  font-size:1.08rem;
  max-width:44ch;
  margin-bottom:36px;
  color:var(--fog);
}
.hero-actions{
  display:flex;
  align-items:center;
  gap:30px;
  flex-wrap:wrap;
  margin-bottom:48px;
}
.hero-trust{
  display:flex;
  align-items:center;
  gap:18px;
  padding-top:32px;
  border-top:1px solid var(--line-soft);
  max-width:520px;
}
.trust-seal{ width:58px; height:58px; flex-shrink:0; border-radius:50%; }
.trust-seal.small{ width:44px; height:44px; }
.hero-trust-text{ display:flex; flex-direction:column; gap:3px; }
.hero-trust-text strong{ color:var(--ivory); font-family:var(--font-display); font-weight:500; font-size:1rem; }
.hero-trust-text span{ color:var(--fog-dim); font-size:.84rem; }

/* hero visual — line-art skyline plate */
.hero-visual{ position:relative; }
.skyline-plate{
  background:linear-gradient(160deg, var(--navy-800), var(--navy-900) 70%);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:48px 40px 38px;
  box-shadow:var(--shadow-soft);
  position:relative;
}
.skyline-plate .plate-num{
  font-family:var(--font-mono);
  font-size:.7rem;
  letter-spacing:.14em;
  color:var(--fog-dim);
  text-transform:uppercase;
  margin-bottom:26px;
  display:flex;
  justify-content:space-between;
}
.skyline-plate .plate-num span:last-child{ color:var(--gold-300); }

.skyline-svg{ width:100%; height:auto; display:block; }
.skyline-svg .draw{
  fill:none;
  stroke:var(--gold-500);
  stroke-width:1.4;
  stroke-linecap:round;
  stroke-linejoin:round;
  stroke-dasharray:1200;
  stroke-dashoffset:1200;
  animation:draw 2.6s cubic-bezier(.2,.7,.2,1) forwards .3s;
}
.skyline-svg .fillbar{
  fill:var(--gold-500);
  opacity:0;
  animation:fadeUp 1s ease forwards;
  transform-origin:bottom;
}
.skyline-svg .fb1{ animation-delay:1.6s; }
.skyline-svg .fb2{ animation-delay:1.75s; }
.skyline-svg .fb3{ animation-delay:1.9s; }
.skyline-svg .fb4{ animation-delay:2.05s; }
.skyline-svg .fb5{ animation-delay:2.2s; }
@keyframes draw{ to{ stroke-dashoffset:0; } }
@keyframes fadeUp{ from{ opacity:0; transform:translateY(6px); } to{ opacity:1; transform:translateY(0); } }

.skyline-caption{
  margin-top:26px;
  padding-top:22px;
  border-top:1px solid var(--line-soft);
  color:var(--ivory-dim);
  font-family:var(--font-display);
  font-style:italic;
  font-weight:400;
  font-size:1.05rem;
}

.float-chip{
  position:absolute;
  display:flex;
  flex-direction:column;
  gap:3px;
  background:rgba(8,15,28,.92);
  backdrop-filter:blur(10px);
  border:1px solid var(--line);
  border-radius:var(--radius-sm);
  padding:11px 16px;
  font-size:.72rem;
  color:var(--fog);
  font-weight:500;
  box-shadow:var(--shadow-soft);
  animation:float 6s ease-in-out infinite;
}
.float-chip .mono{ color:var(--gold-300); font-size:.86rem; }
.chip-1{ top:-16px; right:14px; animation-delay:.2s; }
.chip-2{ bottom:38%; left:-24px; animation-delay:1.2s; }
.chip-3{ bottom:-14px; right:30px; animation-delay:2s; }
@keyframes float{ 0%,100%{ transform:translateY(0); } 50%{ transform:translateY(-8px); } }

/* ---------- trust bar ---------- */
.trust-bar{
  border-top:1px solid var(--line-soft);
  border-bottom:1px solid var(--line-soft);
  padding:26px 0;
}
.trust-bar-inner{
  display:flex;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  gap:22px;
  text-align:center;
}
.trust-bar-inner p{ margin:0; color:var(--fog-dim); font-size:.78rem; letter-spacing:.02em; }
.trust-bar-inner .cmf-line strong{ color:var(--ivory); font-weight:600; }
.creditu-chip{
  display:inline-flex;
  align-items:center;
  padding:6px;
  border-radius:8px;
  background:rgba(23,196,176,.08);
  border:1px solid rgba(23,196,176,.22);
}
.creditu-logo{ height:26px; width:auto; border-radius:5px; display:block; }
.trust-sep{ width:1px; height:18px; background:var(--line); }
@media (max-width:640px){ .trust-sep{ display:none; } }

/* ---------- sections ---------- */
.section{ padding:120px 0; position:relative; }
.section-alt{ background:var(--navy-900); border-top:1px solid var(--line-soft); border-bottom:1px solid var(--line-soft); }
.section-head{ max-width:640px; margin:0 auto 64px; text-align:center; }
.section-head .eyebrow{ justify-content:center; }
.section-head h2{ font-size:clamp(1.9rem,3.4vw,2.6rem); }
.section-lead{ font-size:1.05rem; }

/* ---------- products — editorial index list ---------- */
.product-list{ display:flex; flex-direction:column; }
.product-row{
  display:grid;
  grid-template-columns:120px 1fr 200px;
  gap:36px;
  align-items:flex-start;
  padding:40px 28px;
  border-top:1px solid var(--line-soft);
  border-radius:var(--radius-md);
  transition:background-color .3s ease, border-color .3s ease;
  position:relative;
}
.product-list li:last-child .product-row{ border-bottom:1px solid var(--line-soft); }
.product-row:hover{ background:var(--glass); }
.product-row.featured{
  background:linear-gradient(120deg, rgba(199,162,78,.07), transparent 60%);
}
.product-row.featured::before{
  content:"";
  position:absolute;
  left:0; top:18px; bottom:18px;
  width:2px;
  background:linear-gradient(var(--gold-300), var(--gold-600));
}
.product-code{
  font-size:.92rem;
  color:var(--gold-300);
  padding-top:6px;
}
.product-body h3{
  font-size:1.35rem;
  margin-bottom:10px;
  font-weight:500;
}
.product-body p{ font-size:.96rem; max-width:56ch; margin-bottom:16px; }
.product-features{
  display:flex;
  flex-wrap:wrap;
  gap:8px 22px;
}
.product-features li{
  font-size:.82rem;
  color:var(--fog-dim);
  padding-left:14px;
  position:relative;
}
.product-features li::before{
  content:"";
  position:absolute;
  left:0; top:8px;
  width:5px; height:1px;
  background:var(--gold-500);
}
.product-action{
  display:flex;
  align-items:flex-start;
  justify-content:flex-end;
  padding-top:8px;
}

/* ---------- process — roman numeral timeline ---------- */
.process-list{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:0;
  position:relative;
}
.process-list::before{
  content:"";
  position:absolute;
  top:26px; left:0; right:0;
  height:1px;
  background:var(--line-soft);
}
.process-list li{
  padding:0 26px 0 0;
  position:relative;
}
.process-list li:first-child{ padding-left:0; }
.step-num{
  display:block;
  font-family:var(--font-display);
  font-style:italic;
  font-size:2rem;
  color:var(--gold-500);
  margin-bottom:22px;
  background:var(--navy-950);
  width:fit-content;
  padding-right:14px;
  position:relative;
  z-index:2;
}
.section-alt .step-num{ background:var(--navy-900); }
.process-list h3{ font-size:1.05rem; margin-bottom:10px; font-weight:500; }
.process-list p{ font-size:.9rem; margin:0; }

/* ---------- why grid ---------- */
.why-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:0;
}
.why-card{
  padding:8px 36px;
  text-align:left;
  border-left:1px solid var(--line-soft);
}
.why-card:first-child{ border-left:none; padding-left:0; }
.why-icon{
  width:44px; height:44px;
  display:flex; align-items:center; justify-content:center;
  color:var(--gold-500);
  margin-bottom:20px;
  border:1px solid var(--line);
  border-radius:50%;
}
.why-card h3{ font-size:1.1rem; margin-bottom:10px; font-weight:500; }
.why-card p{ font-size:.92rem; }

/* ---------- contact ---------- */
.section-dark{ background:var(--navy-900); }
.contact-inner{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:start;
}
.contact-list{ display:flex; flex-direction:column; gap:22px; margin:28px 0 36px; }
.contact-list li{ display:flex; flex-direction:column; gap:4px; }
.contact-label{ font-size:.7rem; text-transform:uppercase; letter-spacing:.12em; color:var(--fog-dim); font-family:var(--font-mono); }
.contact-list a{ font-size:1.15rem; font-weight:500; font-family:var(--font-display); color:var(--ivory); transition:color .2s ease; }
.contact-list a:hover{ color:var(--gold-300); }
.contact-list span{ color:var(--fog); }

.contact-badge{
  display:flex;
  align-items:center;
  gap:16px;
  border:1px solid var(--line);
  border-radius:var(--radius-md);
  padding:18px 20px;
}
.contact-badge p{ margin:0; color:var(--fog); font-size:.84rem; }

.contact-form{
  background:var(--glass);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:44px;
}
.form-row{ margin-bottom:26px; }
.form-row label{
  display:block;
  font-size:.72rem;
  font-weight:500;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--fog-dim);
  margin-bottom:10px;
}
.form-row input,
.form-row select,
.form-row textarea{
  width:100%;
  padding:10px 2px 12px;
  border:none;
  border-bottom:1px solid var(--line);
  background:transparent;
  font-family:var(--font-body);
  font-size:1rem;
  color:var(--ivory);
  transition:border-color .2s ease;
  border-radius:0;
  appearance:none;
}
.form-row select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%23C7A24E' stroke-width='1.4' fill='none'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 4px center;
  padding-right:22px;
}
.form-row select option{ background:var(--navy-800); color:var(--ivory); }
.form-row input::placeholder,
.form-row textarea::placeholder{ color:var(--fog-dim); }
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus{ outline:none; border-color:var(--gold-500); }
.form-row textarea{ resize:vertical; }
.form-note{ font-size:.76rem; color:var(--fog-dim); text-align:center; margin:18px 0 0; }

/* ---------- footer ---------- */
.site-footer{ background:var(--navy-950); border-top:1px solid var(--line-soft); padding:72px 0 0; }
.footer-inner{
  display:grid;
  grid-template-columns:1.3fr .8fr .8fr 1.3fr;
  gap:36px;
  padding-bottom:52px;
  border-bottom:1px solid var(--line-soft);
}
.footer-brand{ display:flex; align-items:flex-start; gap:12px; }
.footer-brand .brand-mark{ width:30px; margin-top:2px; }
.footer-brand-text strong{
  display:block;
  font-family:var(--font-display);
  color:var(--ivory);
  letter-spacing:.04em;
  text-transform:uppercase;
  font-size:.95rem;
  margin-bottom:10px;
}
.footer-brand-text p{ color:var(--fog-dim); font-size:.85rem; max-width:24ch; margin:0; }
.footer-col h4{
  color:var(--ivory);
  font-family:var(--font-mono);
  font-size:.7rem;
  letter-spacing:.12em;
  text-transform:uppercase;
  font-weight:500;
  margin-bottom:18px;
}
.footer-col a{ display:block; color:var(--fog); font-size:.9rem; margin-bottom:11px; transition:color .2s ease; }
.footer-col a:hover{ color:var(--gold-300); }
.footer-legal p{ color:var(--fog-dim); font-size:.8rem; margin:0; font-style:italic; font-family:var(--font-display); }
.footer-bottom{ padding:24px 0; }
.footer-bottom p{ margin:0; color:var(--fog-dim); font-size:.76rem; text-align:center; letter-spacing:.02em; }

/* ---------- whatsapp float ---------- */
.whatsapp-float{
  position:fixed;
  right:24px; bottom:24px;
  width:56px; height:56px;
  border-radius:50%;
  background:linear-gradient(135deg, var(--gold-300), var(--gold-600));
  color:var(--navy-950);
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 16px 34px rgba(199,162,78,.34);
  z-index:200;
  transition:transform .25s ease;
}
.whatsapp-float:hover{ transform:scale(1.08); }

/* ================= RESPONSIVE ================= */
@media (max-width: 980px){
  .hero-inner{ grid-template-columns:1fr; }
  .hero-visual{ max-width:480px; margin:0 auto; }
  .contact-inner{ grid-template-columns:1fr; }
  .footer-inner{ grid-template-columns:1fr 1fr; }
  .why-grid{ grid-template-columns:1fr; gap:36px; }
  .why-card{ border-left:none; padding-left:0; border-top:1px solid var(--line-soft); padding-top:32px; }
  .why-card:first-child{ border-top:none; padding-top:8px; }
  .process-list{ grid-template-columns:1fr 1fr; row-gap:44px; }
  .process-list::before{ display:none; }
  .product-row{ grid-template-columns:80px 1fr; }
  .product-action{ grid-column:1 / -1; justify-content:flex-start; padding-top:6px; }
}

@media (max-width: 760px){
  .main-nav{
    position:fixed;
    top:88px; left:0; right:0;
    background:var(--navy-900);
    flex-direction:column;
    align-items:flex-start;
    gap:0;
    padding:8px 24px 22px;
    border-bottom:1px solid var(--line);
    transform:translateY(-8px);
    opacity:0;
    pointer-events:none;
    transition:opacity .2s ease, transform .2s ease;
  }
  .main-nav.open{ opacity:1; transform:translateY(0); pointer-events:auto; }
  .main-nav a{ width:100%; padding:14px 0; border-bottom:1px solid var(--line-soft); }
  .main-nav a::after{ display:none; }
  .header-cta{ display:none; }
  .nav-toggle{ display:flex; }
  .process-list{ grid-template-columns:1fr; }
  .footer-inner{ grid-template-columns:1fr; }
  .hero-trust{ flex-direction:column; align-items:flex-start; }
  .hero-actions{ flex-direction:column; align-items:flex-start; gap:22px; }
  .product-row{ grid-template-columns:1fr; gap:16px; padding:32px 20px; }
  .product-code{ padding-top:0; }
}

@media (max-width: 480px){
  .hero{ padding:64px 0 84px; }
  .section{ padding:80px 0; }
  .contact-form{ padding:30px 24px; }
  .float-chip{ display:none; }
}