/* ==========================================================================
   TP Advisors – Factoraje Financiero (tpaf)
   - Scoped: #tpa-factoraje.tpa
   - FA 5.15.4 compatible
   ========================================================================== */

#tpa-factoraje.tpa{
  --tpaf-navy:#1F497D;
  --tpaf-navy-2:#3F3C71;
  --tpaf-sky:#8EA9DB;

  --tpaf-accent:#f4a000;   /* naranja */
  --tpaf-mint:#46d2b5;     /* MISMO que Hipotecario */

  --tpaf-ink:#0f172a;
  --tpaf-muted:#6b7280;

  --tpaf-line:#e5e7eb;
  --tpaf-card:#fff;

  --tpaf-radius:18px;
  --tpaf-radius-lg:22px;

  --tpaf-shadow:0 18px 45px rgba(16,24,40,.12);
  --tpaf-shadow-soft:0 10px 26px rgba(16,24,40,.08);

  --tpaf-max:1120px;
  --tpaf-gutter:22px;

  font-family:"Poppins",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--tpaf-ink);
  background:#fff;
}

.tpaf-wrap{ overflow:hidden; }
#tpa-factoraje section[id]{ scroll-margin-top:92px; }

/* =========================
   HERO
   ========================= */

.tpaf-hero{
  position:relative;
  min-height:640px;
  background-image:var(--hero-bg);
  background-size:cover;
  background-position:center;
  display:flex;
  align-items:center;
}

.tpaf-hero-overlay{
  position:absolute; inset:0;
  background:
    linear-gradient(135deg, rgba(31,73,125,.82) 0%, rgba(63,60,113,.82) 55%, rgba(142,169,219,.78) 100%),
    radial-gradient(80% 60% at 50% 0%, rgba(70,210,181,.18), transparent 55%),
    radial-gradient(70% 50% at 85% 15%, rgba(244,160,0,.14), transparent 55%);
}

.tpaf-hero-inner{
  position:relative;
  max-width:var(--tpaf-max);
  margin:0 auto;
  padding:4rem 4rem;
  display:grid;
  grid-template-columns:1fr;
  justify-items:center;
  text-align:center;
}

.tpaf-badge{
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:7px 14px;
  border-radius:999px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.22);
  color:rgba(255,255,255,.94);
  box-shadow:0 10px 24px rgba(0,0,0,.10);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
  font-weight:700;
  margin-bottom:16px;
}

.tpaf-badge i{ color:var(--tpaf-accent); }

.tpaf-title{
  margin:0 0 14px;
  color:#fff;
  font-weight:900;
  letter-spacing:-.8px;
  line-height:1.05;
  font-size:3.75rem;
}

.tpaf-title-accent{
  color:var(--tpaf-mint);
  text-shadow:0 10px 25px rgba(70,210,181,.18);
}

.tpaf-subtitle{
  margin:0 auto 20px;
  max-width:52rem;
  color:rgba(255,255,255,.80);
  line-height:1.75rem;
  font-size:1.15rem;
}

.tpaf-hero-ctas{
  display:flex;
  gap:14px;
  justify-content:center;
  align-items:center;
  margin:18px 0 28px;
  flex-wrap:wrap;
}

/* Buttons */
.tpaf-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  text-decoration:none;
  border-radius:10px;
  padding:1rem 1.5rem;
  min-width:160px;
  font-weight:800;
  font-size:1rem;
  letter-spacing:.2px;
  transition:transform .12s ease, box-shadow .12s ease, background .12s ease, border-color .12s ease;
  user-select:none;
  border:1px solid transparent;
  cursor:pointer;
}

.tpaf-btn-primary{
  background:var(--tpaf-accent);
  color:#fff;
  box-shadow:0 12px 28px rgba(244,160,0,.22);
}

.tpaf-btn-primary:hover{
  transform:translateY(-1px);
  box-shadow:0 14px 34px rgba(244,160,0,.28);
}

.tpaf-btn-ghost{
  background:rgba(255,255,255,.11);
  color:rgba(255,255,255,.92);
  border-color:rgba(255,255,255,.26);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
}

.tpaf-btn-ghost:hover{
  transform:translateY(-1px);
  background:rgba(255,255,255,.14);
  border-color:rgba(255,255,255,.28);
}

/* Metrics row */
.tpaf-metrics{
  margin-top:18px;
  display:grid;
  padding: 2.2rem;
  grid-template-columns:repeat(3, minmax(0, 1fr));
  gap:1.25rem;
  text-align:center;
}

.tpaf-metric{
  padding:1.4rem 1rem;
  border-radius:14px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.22);
  box-shadow:0 18px 40px rgba(0,0,0,.10);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
}

.tpaf-metric-k{
  color:var(--tpaf-mint);
  font-weight:900;
  font-size:2rem;
  line-height:1.1;
}

.tpaf-metric-l{
  color:rgba(255,255,255,.78);
  font-size:.95rem;
  font-weight:500;
  margin-top:6px;
}

@media (max-width:820px){
  .tpaf-hero{ min-height:520px; }
  .tpaf-hero-inner{ padding:3.2rem 1.4rem; }
  .tpaf-title{ font-size:2.6rem; }
  .tpaf-metrics{
    grid-template-columns:1fr;
    max-width:420px;
    margin-left:auto; margin-right:auto;
  }
}

/* =========================
   Sections base
   ========================= */
.tpaf-sec{
  padding:86px 0;
  background:#fff;
}

.tpaf-sec:nth-of-type(even){
  background:linear-gradient(180deg, #ffffff, #fbfcff);
}

.tpaf-sec-head{
  max-width:var(--tpaf-max);
  margin:0 auto 38px;
  padding:0 var(--tpaf-gutter);
  text-align:center;
}

.tpaf-h2{
  margin:0 0 10px;
  font-size:3rem;
  font-weight:900;
  letter-spacing:-.6px;
  color:var(--tpaf-navy);
  line-height:1.08;
}

.tpaf-accent-word{ color:var(--tpaf-accent); }
.tpaf-mint-word{ color:var(--tpaf-mint); }

.tpaf-p{
  margin:0 auto;
  max-width:820px;
  color:var(--tpaf-muted);
  line-height:1.6;
  font-size:1.1rem;
}

/* =========================
   Grid helpers
   ========================= */
.tpaf-grid{
  max-width:var(--tpaf-max);
  margin:0 auto;
  padding:0 var(--tpaf-gutter);
  display:grid;
  gap:22px;
}

.tpaf-grid-3{ grid-template-columns:repeat(3, minmax(0, 1fr)); }
.tpaf-grid-4{ grid-template-columns:repeat(4, minmax(0, 1fr)); }
.tpaf-grid-2{ grid-template-columns:repeat(2, minmax(0, 1fr)); }

@media (max-width:980px){
  .tpaf-grid-3{ grid-template-columns:repeat(2, minmax(0, 1fr)); }
  .tpaf-grid-4{ grid-template-columns:repeat(2, minmax(0, 1fr)); }
}
@media (max-width:620px){
  .tpaf-grid-3, .tpaf-grid-4, .tpaf-grid-2{ grid-template-columns:1fr; }
}

/* =========================
   Cómo funciona (pasos)
   ========================= */
.tpaf-steps{
  max-width:var(--tpaf-max);
  margin:0 auto;
  padding:12px var(--tpaf-gutter) 0;
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:34px;
  text-align:center;
}

@media (max-width:900px){
  .tpaf-steps{ grid-template-columns:repeat(2,1fr); gap:26px; }
}
@media (max-width:560px){
  .tpaf-steps{ grid-template-columns:1fr; }
}

.tpaf-step-n{
  width:76px;
  height:76px;
  margin:0 auto 18px;
  border-radius:50%;
  display:grid;
  place-items:center;
  font-weight:900;
  font-size:1.6rem;
  color:#fff;
  box-shadow:0 18px 40px rgba(16,24,40,.18);
}

/* Colores por paso (como el diseño correcto) */
.tpaf-step:nth-child(1) .tpaf-step-n{ background:linear-gradient(135deg,#DF900C,#c57e0a); }
.tpaf-step:nth-child(2) .tpaf-step-n{ background:linear-gradient(135deg,#5ED1A8,#4dc197); }
.tpaf-step:nth-child(3) .tpaf-step-n{ background:linear-gradient(135deg,#1F497D,#3F3C71); }
.tpaf-step:nth-child(4) .tpaf-step-n{ background:linear-gradient(135deg,#688AE6,#8EA9DB); }

.tpaf-step-t{
  font-weight:900;
  font-size:1.05rem;
  color:var(--tpaf-navy);
  margin-bottom:8px;
}
.tpaf-step-d{
  color:var(--tpaf-muted);
  font-size:.92rem;
  line-height:1.55;
  max-width:240px;
  margin:0 auto;
}

/* =========================
   Ventaja clave (card blanca)
   ========================= */
.tpaf-adv{
  max-width:980px;
  margin:44px auto 0;
  padding:0 var(--tpaf-gutter);
  display:flex;
  gap:18px;
  align-items:flex-start;
  background:#fff;
  border:1px solid var(--tpaf-line);
  border-radius:18px;
  padding:22px 24px;
  box-shadow:0 10px 24px rgba(16,24,40,.06);
}

.tpaf-adv-ico{
  width:54px;
  height:54px;
  border-radius:14px;
  display:grid;
  place-items:center;
  background:linear-gradient(135deg,#f59e0b,var(--tpaf-mint));
  color:#fff;
  flex-shrink:0;
}

.tpaf-adv-t{
  font-weight:900;
  color:var(--tpaf-navy);
  margin-bottom:6px;
}
.tpaf-adv-d{
  color:var(--tpaf-muted);
  line-height:1.6;
  font-size:.98rem;
}

@media(max-width:700px){
  .tpaf-adv{ flex-direction:column; text-align:center; align-items:center; }
}

/* =========================
   Beneficios (cards + icon circle)
   ========================= */
.tpaf-card{
  background:#fff;
  box-shadow:0 18px 40px rgba(16, 24, 40, 0.092);
  border:1px solid rgba(15, 23, 42, 0.29);
  border-radius:16px;
  padding:3rem 2rem;
  margin: 1rem;
  text-align:center;
}
.tpaf-card:hover{
    box-shadow:0 18px 40px rgba(16, 24, 40, 0.217);
}

.tpaf-card-ico{
  width:58px;
  height:58px;
  border-radius:999px; /* CÍRCULO como el diseño */
  display:grid;
  place-items:center;
  margin:0 auto 14px;
  color:#fff;
}

.tpaf-card-ico i{ font-size:1.25rem; }

.ico-orange{ background: linear-gradient(135deg,#DF900C,#c57e0a); } 
.ico-mint{ background: linear-gradient(135deg,#5ED1A8,#4dc197);} 
.ico-navy{ background:linear-gradient(135deg,#1F497D,#3F3C71); }
.ico-sky{ background:linear-gradient(135deg,#688AE6,#8EA9DB); }
.ico-gray{ background:linear-gradient(135deg,#A7BBC7,#8EA9D8); }
.ico-grad{ background:linear-gradient(135deg,#DF900C,#5ED1A8); }

.tpaf-card-t{
  margin:0 0 .65rem;
  font-weight:900;
  font-size:1.35rem;
  color:#1F497D;
}
.tpaf-card-d{
  margin:0;
  color:var(--tpaf-muted);
  font-size:1rem;
  line-height:1.6;
}

/* =========================
   Quién puede usar (cards)
   ========================= */
.tpaf-sector{
  background:#F9FAFB;
  border:1px solid var(--tpaf-line);
  border-radius:16px;
  padding:22px 18px;
  text-align:center;
  box-shadow:0 10px 24px rgba(16,24,40,.06);
}

.tpaf-sector-ico{
  width:60px;
  height:60px;
  margin:0 auto 12px;
  border-radius:999px;
  display:grid;
  place-items:center;
  color:#fff;
}

.tpaf-sector-ico i{ font-size:1.25rem; }

.s-navy{ background:#1f3a8a; }
.s-mint{ background:var(--tpaf-mint); }
.s-orange{ background:#d97706; }
.s-sky{ background:#7aa6ff; }

.tpaf-sector-t{
  font-weight:900;
  color:var(--tpaf-navy);
  font-size: 1.35rem;
}

/* =========================
   Requisitos (BORDER + SIN SOMBRA)
   ========================= */
.tpaf-requisitos{ background:#fff; }
.tpaf-req-grid{ gap:18px 22px; }

.tpaf-req{
  display:flex;
  gap:14px;
  align-items:flex-start;
  padding:18px 18px;
  border-radius:14px;
  background:#fff;
  border:1px solid var(--tpaf-line);
  box-shadow:none; /* IMPORTANTE: sin sombra */
}

.tpaf-req-check{
  width:3rem;
  height:3rem;
  border-radius:8px;
  background:rgba(70,210,181,.18);
  display:grid;
  place-items:center;
  flex-shrink:0;
}

.tpaf-req-check i{
  color:var(--tpaf-mint);
  font-size:16px;
}

.tpaf-req-t{
  font-weight:900;
  color:var(--tpaf-navy);
  margin-bottom:4px;
}
.tpaf-req-d{
  color:var(--tpaf-muted);
  font-size:.92rem;
  line-height:1.55;
}

/* =========================
   FORM (como diseño correcto)
   ========================= */
.tpaf-form{
  padding:100px 20px;
  background:linear-gradient(135deg,#1f3f74,#3f3c71)!important;
}


.tpaf-sec-head-dark{ margin-bottom:26px; }
.tpaf-h2-white{ color:#fff; }
.tpaf-p-white{ color:rgba(255,255,255,.78); }

.tpaf-form-card{
  max-width:920px;
  margin:0 auto;
  padding:32px;
  border-radius:22px;

  /* 🔑 FONDO CORRECTO */
  background: linear-gradient(
    135deg,
    rgba(63, 76, 125, 0.95),
    rgba(86, 88, 142, 0.95)
  );

  border: 1px solid rgba(255,255,255,.18);
  box-shadow: 0 30px 60px rgba(15, 23, 42, .35);

  /* ❗ SIN BLUR FUERTE */
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
}

.tpaf-form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px 18px;
}

@media(max-width:820px){
  .tpaf-form-grid{ grid-template-columns:1fr; }
}

.tpaf-field{ display:flex; flex-direction:column; gap:8px; }
.tpaf-field-full{ grid-column:1 / -1; }

.tpaf-label{
  color:#fff;
  font-weight:600;
  font-size:.92rem;
  display:flex;
  align-items:center;
  gap:8px;
  opacity:.95;
}

.tpaf-input{
  width:100%;
  border-radius:6px !important;
  border:1px solid rgba(255,255,255,.35) !important;
  background:rgba(255,255,255,.12) !important;
  color:rgba(255,255,255,.92) !important;
  padding:10px 14px !important;
  outline:none;
  font-size:1rem !important;
  transition:border-color .12s ease, box-shadow .12s ease;
}

.tpaf-input::placeholder{ color:rgba(255,255,255,.70) !important; }

.tpaf-input:focus{
  border-color:var(--tpaf-mint) !important;
  box-shadow:0 0 0 3px rgba(70,210,181,.18);
}

select.tpaf-input{
  appearance:none;
  background-image:
    linear-gradient(45deg, transparent 50%, rgba(255,255,255,.75) 50%),
    linear-gradient(135deg, rgba(255,255,255,.75) 50%, transparent 50%);
  background-position:calc(100% - 18px) 50%, calc(100% - 12px) 50%;
  background-size:6px 6px, 6px 6px;
  background-repeat:no-repeat;
  padding-right:34px !important;
}

.tpaf-textarea{ resize:vertical; min-height:120px; }

.tpaf-btn-center{
  display:flex;
  margin:18px auto 0;
  min-width:260px;
}

.tpaf-privacy{
  display:flex;
  gap:10px;
  align-items:center;
  justify-content:center;
  text-align:center;
  margin-top:14px;
  color:rgba(255,255,255,.72);
  font-size:12px;
}

.tpaf-contact-cards{
  max-width:920px;
  margin:18px auto 0;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:2rem;
}

@media(max-width:700px){
  .tpaf-contact-cards{ grid-template-columns:1fr; }
}
.tpaf-form-wrap{
    padding: 0 2rem;
}
.tpaf-contact{
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:5px;
  text-align:center;
  padding:18px;
  margin: 1rem;
  border-radius:16px;
  text-decoration:none;
  background:rgba(255,255,255,.10);
  border:1px solid rgba(255,255,255,.14);
  box-shadow:0 16px 34px rgba(0,0,0,.10);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
  transition:transform .14s ease, background .14s ease, border-color .14s ease;
}

.tpaf-contact:hover{
  transform:translateY(-1px);
  background:rgba(255,255,255,.12);
  border-color:rgba(255,255,255,.18);
}

.tpaf-contact-ico{
  width:46px;
  height:46px;
  border-radius:14px;
  display:grid;
  place-items:center;
  color:var(--tpaf-mint);
}

.tpaf-contact-ico i{ font-size:2rem; color:var(--tpaf-mint); }

.tpaf-contact-t{
  color:rgba(255,255,255,.92);
  font-weight:900;
  font-size:14px;
}
.tpaf-contact-d{
  color:rgba(255,255,255,.72);
  font-weight:500;
  font-size:12.5px;
}