/* Familia Financiera PY — Paraguay · Paleta financiera profesional */
:root {
    --navy: #0B1F3A;
    --navy-light: #152D4F;
    --py-blue: #0038A8;
    --py-red: #D52B1E;
    --green: #0D7C4E;
    --green-dark: #0a6240;
    --gold: #C9A227;
    --gold-light: #E8C547;
    --gold-dark: #a8861f;
    --blue: var(--navy);
    --blue-light: var(--py-blue);
    --white: #ffffff;
    --gray: #F5F7FA;
    --gray-mid: #E8EDF3;
    --text: #1A2332;
    --muted: #5C6B7A;
    --border: #D8E0E8;
    --whatsapp: #25d366;
    --radius: 14px;
    --shadow: 0 12px 40px rgba(11, 31, 58, 0.12);
    --shadow-gold: 0 8px 24px rgba(201, 162, 39, 0.25);
    --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
    --font-body: 'Inter', system-ui, sans-serif;
    --max: 1180px;
    --gradient-finance: linear-gradient(135deg, var(--navy) 0%, var(--py-blue) 55%, #0D5C6E 100%);
    --gradient-gold: linear-gradient(135deg, var(--gold-light), var(--gold));
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--text); background: var(--white); line-height: 1.65; }
img { max-width: 100%; height: auto; display: block; border-radius: var(--radius); }
a { color: var(--py-blue); text-decoration: none; }
a:hover { color: var(--green); }
.fcr-wrap { max-width: var(--max); margin: 0 auto; padding: 0 1.25rem; }

/* Ads bar */
.fcr-ads-bar { background: var(--navy); color: rgba(255,255,255,.92); font-size: .78rem; padding: .5rem 0; text-align: center; line-height: 1.5; border-bottom: 2px solid var(--py-red); }
.fcr-ads-bar a { color: var(--gold-light); font-weight: 600; margin: 0 .25rem; }
.fcr-ads-bar a:hover { color: #fff; }

/* Topbar */
.fcr-topbar { background: var(--gradient-finance); color: #fff; font-size: .82rem; padding: .5rem 0; }
.fcr-topbar-inner { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; align-items: center; }
.fcr-topbar strong { color: var(--gold-light); }
.fcr-topbar-phone { color: #fff; font-weight: 600; background: rgba(255,255,255,.12); padding: .2rem .65rem; border-radius: 6px; }

/* Header */
.fcr-header { background: var(--white); border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 100; transition: box-shadow .3s; }
.fcr-header.scrolled { box-shadow: var(--shadow); }
.fcr-header-inner { display: flex; align-items: center; gap: 1rem; padding: .75rem 0; }
.fcr-logo { display: flex; align-items: center; gap: .6rem; color: var(--navy); flex-shrink: 0; }
.fcr-logo img { border-radius: 10px; box-shadow: 0 2px 8px rgba(11,31,58,.15); }
.fcr-logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.fcr-logo-text strong { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy); }
.fcr-logo-text small { font-size: .68rem; color: var(--muted); font-weight: 500; }
.fcr-header-search { flex: 1; max-width: 280px; display: flex; margin: 0 auto; }
.fcr-header-search input { flex: 1; border: 1px solid var(--border); border-radius: 8px 0 0 8px; padding: .5rem .75rem; font-size: .88rem; font-family: inherit; }
.fcr-header-search input:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.fcr-header-search button { background: var(--navy); color: #fff; border: none; padding: .5rem .75rem; border-radius: 0 8px 8px 0; cursor: pointer; }
.fcr-header-search button:hover { background: var(--py-blue); }
.fcr-nav { display: flex; align-items: center; gap: 1rem; }
.fcr-nav a { font-weight: 500; font-size: .9rem; color: var(--text); white-space: nowrap; }
.fcr-nav a:hover { color: var(--py-red); }
.fcr-nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; margin-left: auto; }
.fcr-nav-toggle span { width: 24px; height: 2px; background: var(--navy); }

/* Buttons */
.fcr-btn { display: inline-flex; align-items: center; justify-content: center; gap: .4rem; padding: .7rem 1.35rem; border-radius: 10px; font-weight: 600; font-size: .92rem; border: 2px solid transparent; cursor: pointer; transition: .25s; font-family: inherit; text-decoration: none; }
.fcr-btn-primary { background: var(--green); color: #fff; box-shadow: 0 4px 14px rgba(13,124,78,.3); }
.fcr-btn-primary:hover { background: var(--green-dark); color: #fff; transform: translateY(-1px); }
.fcr-btn-gold { background: var(--gradient-gold); color: var(--navy); box-shadow: var(--shadow-gold); }
.fcr-btn-gold:hover { filter: brightness(1.05); color: var(--navy); transform: translateY(-1px); }
.fcr-btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.fcr-btn-outline:hover { background: var(--navy); color: #fff; }
.fcr-btn-whatsapp { background: var(--whatsapp); color: #fff; margin-top: 1rem; }
.fcr-btn-whatsapp:hover { filter: brightness(1.08); color: #fff; }
.fcr-btn-sm { padding: .5rem 1rem; font-size: .85rem; }
.fcr-btn-group { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }

/* Hero */
.fcr-hero { position: relative; min-height: 90vh; display: flex; align-items: center; color: #fff; overflow: hidden; }
.fcr-hero-bg { position: absolute; inset: 0; }
.fcr-hero-bg img { width: 100%; height: 100%; object-fit: cover; border-radius: 0; filter: brightness(0.85) saturate(1.1); }
.fcr-hero-overlay { position: absolute; inset: 0; background: linear-gradient(105deg, rgba(11,31,58,.92) 0%, rgba(0,56,168,.78) 45%, rgba(13,124,78,.55) 100%); }
.fcr-hero-overlay::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--py-red), var(--gold), var(--py-blue)); }
.fcr-hero-content { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 380px; gap: 2.5rem; align-items: center; padding: 4rem 0; }
.fcr-hero h1 { font-family: var(--font-display); font-size: clamp(2rem, 5vw, 3.2rem); line-height: 1.12; margin: 1rem 0; text-shadow: 0 2px 20px rgba(0,0,0,.2); }
.fcr-hero h1 span { color: var(--gold-light); }
.fcr-hero p { font-size: 1.05rem; opacity: .94; max-width: 540px; margin-bottom: 1.5rem; }
.fcr-tag { display: inline-block; background: rgba(201,162,39,.18); border: 1px solid var(--gold-light); color: var(--gold-light); padding: .35rem .9rem; border-radius: 999px; font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; }
.fcr-hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2rem; }
.fcr-hero-stats { display: flex; gap: 2rem; list-style: none; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.25); }
.fcr-hero-stats strong { font-size: 1.5rem; color: var(--gold-light); display: block; font-family: var(--font-display); }
.fcr-hero-stats span { font-size: .78rem; opacity: .85; }
.fcr-hero-card { background: rgba(255,255,255,.98); color: var(--text); border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.fcr-hero-card h2 { font-family: var(--font-display); font-size: 1.2rem; color: var(--navy); margin-bottom: .5rem; }
.fcr-rate-box { display: flex; flex-direction: column; gap: .6rem; margin: 1rem 0; }
.fcr-rate-item { display: flex; justify-content: space-between; padding: .7rem .85rem; background: var(--gray); border-radius: 8px; font-weight: 600; border-left: 3px solid var(--green); }
.fcr-rate-item span { color: var(--muted); font-weight: 400; font-size: .85rem; }
.fcr-rate-item strong { color: var(--navy); }

/* Sections */
.fcr-section { padding: 4.5rem 0; }
.fcr-section-muted { background: var(--gray); }
.fcr-section-dark { background: var(--gradient-finance); color: #fff; position: relative; }
.fcr-section-dark::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--py-red), var(--gold), var(--green)); }
.fcr-section-dark h2, .fcr-section-dark h3 { color: #fff; }
.fcr-section-dark p { color: rgba(255,255,255,.88); }
.fcr-section-header { text-align: center; max-width: 640px; margin: 0 auto 2.5rem; }
.fcr-section-header h2 { font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--navy); margin-bottom: .6rem; }
.fcr-muted { color: var(--muted); font-size: .9rem; }

/* Grid */
.fcr-grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.75rem; }
.fcr-grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; }
.fcr-card { background: var(--white); border-radius: var(--radius); padding: 0; box-shadow: var(--shadow); transition: transform .3s, box-shadow .3s; border: 1px solid var(--border); overflow: hidden; }
.fcr-card:hover { transform: translateY(-6px); box-shadow: 0 16px 48px rgba(11,31,58,.15); }
.fcr-card > img { border-radius: 0; margin-bottom: 0; }
.fcr-card > h3, .fcr-card > p, .fcr-card > a, .fcr-card > .fcr-btn { margin-left: 1.5rem; margin-right: 1.5rem; }
.fcr-card > h3 { margin-top: 1.25rem; }
.fcr-card > p:last-of-type, .fcr-card > a:last-child, .fcr-card > .fcr-btn:last-child { margin-bottom: 1.5rem; }
.fcr-card-link { display: block; color: inherit; padding: 1.5rem; }
.fcr-card-link:hover { color: inherit; }
.fcr-card img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }
.fcr-card h3 { font-family: var(--font-display); font-size: 1.08rem; color: var(--navy); margin-bottom: .5rem; }

/* Split */
.fcr-split { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: center; }
.fcr-split img { box-shadow: var(--shadow); border: 3px solid var(--white); }
.fcr-check-list { list-style: none; margin: 1rem 0; }
.fcr-check-list li { padding: .45rem 0 .45rem 1.6rem; position: relative; border-bottom: 1px solid var(--border); }
.fcr-check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--green); font-weight: 700; }

/* Page hero */
.fcr-page-hero { background: var(--gradient-finance); color: #fff; padding: 4rem 0; text-align: center; position: relative; }
.fcr-page-hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--py-red), var(--gold), var(--py-blue)); }
.fcr-page-hero h1 { font-family: var(--font-display); font-size: clamp(1.8rem, 4vw, 2.6rem); margin: .5rem 0; }
.fcr-page-hero p { opacity: .92; max-width: 600px; margin: 0 auto; }
.fcr-hero-note { margin-top: 1rem; font-size: .88rem; opacity: .9; }

/* Legal */
.fcr-legal { max-width: 800px; }
.fcr-legal h1 { font-family: var(--font-display); color: var(--navy); margin-bottom: 1rem; }
.fcr-legal h2 { font-size: 1.15rem; color: var(--navy); margin: 2rem 0 .75rem; }
.fcr-legal p, .fcr-legal li { margin-bottom: .75rem; color: var(--text); }
.fcr-legal ul { padding-left: 1.25rem; }
.fcr-legal-alert { background: linear-gradient(135deg, #FFF9E6, #FFF3CC); border-left: 4px solid var(--gold); padding: 1rem 1.25rem; border-radius: 0 10px 10px 0; margin: 1rem 0; font-size: .92rem; }

/* FAQ */
.fcr-faq-item { border-bottom: 1px solid var(--border); }
.fcr-faq-q { width: 100%; text-align: left; background: none; border: none; padding: 1.1rem 0; font-weight: 600; font-size: 1rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-family: inherit; color: var(--navy); }
.fcr-faq-a { max-height: 0; overflow: hidden; transition: max-height .3s; color: var(--muted); }
.fcr-faq-item.open .fcr-faq-a { max-height: 500px; padding-bottom: 1rem; }
.fcr-faq-item.open .fcr-faq-q::after { content: '−'; }
.fcr-faq-q::after { content: '+'; color: var(--green); font-size: 1.2rem; }

/* Forms */
.fcr-form-group { margin-bottom: 1rem; }
.fcr-form-group label { display: block; font-weight: 600; margin-bottom: .35rem; font-size: .9rem; color: var(--navy); }
.fcr-form-input, .fcr-form-select, .fcr-form-textarea { width: 100%; padding: .75rem 1rem; border: 1px solid var(--border); border-radius: 10px; font-family: inherit; font-size: .95rem; transition: border-color .2s; }
.fcr-form-input:focus, .fcr-form-select:focus, .fcr-form-textarea:focus { outline: none; border-color: var(--py-blue); box-shadow: 0 0 0 3px rgba(0,56,168,.12); }
.fcr-form-textarea { min-height: 120px; resize: vertical; }

/* Calculator */
.fcr-calc-card { background: var(--white); padding: 2rem; border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--border); border-top: 4px solid var(--green); }
.fcr-calc-result { background: var(--gray); padding: 1.25rem; border-radius: 10px; margin-top: 1rem; border-left: 4px solid var(--gold); }
.fcr-calc-result strong { font-size: 1.5rem; color: var(--green); font-family: var(--font-display); }

/* Blog */
.fcr-blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.fcr-blog-meta { font-size: .8rem; color: var(--muted); margin: .5rem 0; }
.fcr-article-content { max-width: 760px; margin: 0 auto; }
.fcr-article-content h2 { font-family: var(--font-display); color: var(--navy); margin: 2rem 0 .75rem; }
.fcr-article-content p { margin-bottom: 1rem; }

/* Breadcrumbs */
.fcr-breadcrumbs { font-size: .85rem; margin-bottom: 1.5rem; }
.fcr-breadcrumbs ol { display: flex; flex-wrap: wrap; gap: .35rem; list-style: none; }
.fcr-breadcrumbs li:not(:last-child)::after { content: '›'; margin-left: .35rem; color: var(--muted); }

/* Testimonials */
.fcr-testimonial { background: var(--white); padding: 1.5rem; border-radius: var(--radius); box-shadow: var(--shadow); border-top: 3px solid var(--gold); }
.fcr-testimonial img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; margin-bottom: .75rem; border: 2px solid var(--gold); }
.fcr-stars { color: var(--gold); font-size: .9rem; margin-bottom: .5rem; }

/* Tables */
.fcr-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.fcr-table th, .fcr-table td { padding: .85rem 1rem; text-align: left; border-bottom: 1px solid var(--border); }
.fcr-table th { background: var(--navy); color: #fff; }
.fcr-up { color: var(--green); font-weight: 600; }
.fcr-down { color: var(--py-red); font-weight: 600; }

/* CTA */
.fcr-cta { background: var(--gradient-finance); color: #fff; border-radius: var(--radius); padding: 2.5rem; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 1.5rem; position: relative; overflow: hidden; }
.fcr-cta::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--py-red), var(--gold)); }
.fcr-cta h2 { font-family: var(--font-display); font-size: 1.6rem; }

/* Footer */
.fcr-footer { background: var(--navy); color: rgba(255,255,255,.85); padding: 3.5rem 0 0; position: relative; }
.fcr-footer::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--py-red), var(--gold), var(--py-blue)); }
.fcr-footer h4 { color: var(--gold-light); margin-bottom: 1rem; font-size: .95rem; }
.fcr-footer ul { list-style: none; }
.fcr-footer li { margin-bottom: .4rem; }
.fcr-footer a { color: rgba(255,255,255,.8); font-size: .88rem; }
.fcr-footer a:hover { color: var(--gold-light); }
.fcr-footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 2rem; }
.fcr-footer-entity { font-size: .8rem; opacity: .7; margin-top: .75rem; }
.fcr-footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2.5rem; padding: 1.25rem 0; font-size: .8rem; }
.fcr-footer-bottom-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; }
.fcr-footer-legal-links { display: flex; gap: 1rem; }
.fcr-disclaimer-bottom { background: var(--gray); padding: .75rem 0; font-size: .78rem; color: var(--muted); border-top: 1px solid var(--border); }
.fcr-disclaimer-bottom a { font-weight: 600; margin-left: .5rem; color: var(--py-blue); }

/* Cookie banner */
.fcr-cookie { position: fixed; bottom: 0; left: 0; right: 0; background: var(--navy); color: #fff; padding: 1rem 0; z-index: 200; box-shadow: 0 -4px 24px rgba(0,0,0,.2); border-top: 3px solid var(--gold); }
.fcr-cookie-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 1rem; }
.fcr-cookie p { font-size: .88rem; max-width: 700px; }
.fcr-cookie a { color: var(--gold-light); }
.fcr-cookie-actions { display: flex; gap: .75rem; flex-shrink: 0; }
.fcr-cookie .fcr-btn-outline { border-color: rgba(255,255,255,.5); color: #fff; }

/* Animations */
.fcr-fade-in { opacity: 0; transform: translateY(20px); transition: opacity .6s, transform .6s; }
.fcr-fade-in.visible { opacity: 1; transform: none; }

/* Pricing */
.fcr-price-card { background: var(--white); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow); border: 2px solid var(--border); text-align: center; }
.fcr-price-card.featured { border-color: var(--gold); position: relative; box-shadow: var(--shadow-gold); }
.fcr-price-card.featured::before { content: 'Popular'; position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: var(--gradient-gold); color: var(--navy); font-size: .72rem; font-weight: 700; padding: .25rem .75rem; border-radius: 999px; text-transform: uppercase; }
.fcr-price-card .price { font-family: var(--font-display); font-size: 2rem; color: var(--green); margin: .5rem 0; }
.fcr-price-card ul { list-style: none; text-align: left; margin: 1.25rem 0; font-size: .9rem; }
.fcr-price-card li { padding: .35rem 0 .35rem 1.25rem; position: relative; }
.fcr-price-card li::before { content: '✓'; position: absolute; left: 0; color: var(--green); }

/* Legal policies hub */
.fcr-legal-with-nav { display: grid; grid-template-columns: 240px 1fr; gap: 2.5rem; align-items: start; max-width: 100%; }
.fcr-policy-nav { position: sticky; top: 90px; background: var(--gray); border-radius: var(--radius); padding: 1.25rem; border: 1px solid var(--border); }
.fcr-policy-nav ul { list-style: none; }
.fcr-policy-nav li { margin-bottom: .15rem; }
.fcr-policy-nav a { display: block; padding: .45rem .65rem; font-size: .85rem; border-radius: 6px; color: var(--text); }
.fcr-policy-nav a:hover, .fcr-policy-nav li.active a { background: var(--white); color: var(--py-blue); font-weight: 600; }
.fcr-policy-card { padding: 1.5rem !important; text-align: left; }
.fcr-policy-icon { font-size: 1.75rem; display: block; margin-bottom: .75rem; }
.fcr-policy-check-block { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem 1.5rem; margin-bottom: 1rem; }
.fcr-policy-check-block h3 { font-size: 1rem; color: var(--navy); margin-bottom: .75rem; }
.fcr-legal-content { min-width: 0; }

/* Finance badges on cards in dark section */
.fcr-section-dark .fcr-card-link { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); border-radius: var(--radius); backdrop-filter: blur(8px); transition: background .3s; }
.fcr-section-dark .fcr-card-link:hover { background: rgba(255,255,255,.18); transform: translateY(-4px); }

/* Responsive */
@media (max-width: 960px) {
    .fcr-hero-content, .fcr-split, .fcr-footer-grid { grid-template-columns: 1fr; }
    .fcr-header-search { display: none; }
    .fcr-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); flex-direction: column; padding: 1rem; border-bottom: 1px solid var(--border); box-shadow: var(--shadow); }
    .fcr-nav.open { display: flex; }
    .fcr-nav-toggle { display: flex; }
    .fcr-topbar-hide-mobile { display: none; }
    .fcr-ads-bar { font-size: .7rem; }
    .fcr-hero { min-height: auto; }
    .fcr-hero-content { padding: 3rem 0; }
    .fcr-legal-with-nav { grid-template-columns: 1fr; }
    .fcr-policy-nav { position: static; }
}