:root {
  --navy: #082f83;
  --blue: #0d63d8;
  --cyan: #11bee7;
  --violet: #7438e7;
  --ink: #0b1f46;
  --text: #395072;
  --muted: #6b7d98;
  --line: rgba(13, 80, 182, 0.14);
  --white: #ffffff;
  --soft: #f6f9ff;
  --shadow: 0 22px 60px rgba(11, 52, 128, 0.14);
  --shadow-soft: 0 12px 34px rgba(11, 52, 128, 0.09);
  --radius: 28px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  overflow-x: hidden;
}
img, video { max-width: 100%; display: block; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }

.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.section-pad { padding: 110px 0; position: relative; }

.scroll-progress {
  position: fixed; inset: 0 0 auto 0; z-index: 9999; height: 3px; background: transparent;
}
.scroll-progress span {
  display: block; width: 0; height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--cyan), var(--violet));
}

.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.88);
  border-bottom: 1px solid rgba(12, 72, 165, .08);
  backdrop-filter: blur(18px);
  transition: box-shadow .25s ease, background .25s ease;
}
.site-header.is-scrolled { box-shadow: 0 8px 30px rgba(8,47,131,.09); background: rgba(255,255,255,.96); }
.header-shell { min-height: 86px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; }
.brand img { width: 176px; height: 64px; object-fit: contain; object-position: left center; }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a, .footer-nav a {
  text-decoration: none; font-weight: 750; color: #213b69; font-size: .93rem; position: relative;
}
.main-nav a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: -8px; height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--violet)); transition: right .25s ease;
}
.main-nav a:hover::after, .main-nav a.active::after { right: 0; }
.main-nav a.active { color: var(--blue); }
.menu-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.menu-toggle span { width: 26px; height: 2px; background: var(--navy); display: block; margin: 5px 0; transition: .25s; }

.hero {
  min-height: calc(100vh - 86px); display: grid; align-items: center;
  background:
    radial-gradient(circle at 16% 16%, rgba(17,190,231,.12), transparent 34%),
    radial-gradient(circle at 82% 24%, rgba(116,56,231,.12), transparent 31%),
    linear-gradient(180deg, #fbfdff 0%, #f6f9ff 100%);
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 62px; align-items: center; }
.eyebrow {
  margin: 0 0 14px; font-size: .8rem; text-transform: uppercase; letter-spacing: .18em;
  color: var(--blue); font-weight: 850;
}
.eyebrow.light { color: #a9eaff; }
h1, h2, h3, p { margin-top: 0; }
h1 { font-size: clamp(3rem, 7vw, 6.25rem); line-height: .94; letter-spacing: -.055em; margin-bottom: 24px; max-width: 820px; }
h1::first-line { color: var(--navy); }
h2 { font-size: clamp(2.2rem, 4.2vw, 4.4rem); line-height: 1.02; letter-spacing: -.04em; margin-bottom: 18px; }
h3 { font-size: 1.24rem; line-height: 1.2; margin-bottom: 10px; }
.hero-lead { max-width: 680px; font-size: 1.22rem; color: var(--text); margin-bottom: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 32px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 24px;
  border-radius: 999px; text-decoration: none; font-weight: 800; transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: #fff; background: linear-gradient(135deg, var(--blue), var(--violet)); box-shadow: 0 12px 32px rgba(53,69,213,.25); }
.btn-ghost { color: var(--navy); border: 1px solid rgba(13,99,216,.18); background: rgba(255,255,255,.72); }
.hero-tags { display: flex; flex-wrap: wrap; gap: 10px; }
.hero-tags span, .summary-list span {
  padding: 9px 13px; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: #2c4671; font-size: .86rem; font-weight: 750;
}
.hero-visual { position: relative; }
.logo-stage {
  position: relative; min-height: 520px; display: grid; place-items: center; isolation: isolate;
}
.logo-stage::before, .logo-stage::after {
  content: ""; position: absolute; border-radius: 50%; border: 1px solid rgba(13,99,216,.12); z-index: -1;
}
.logo-stage::before { width: 460px; height: 460px; }
.logo-stage::after { width: 570px; height: 570px; }
.logo-stage img {
  width: min(520px, 92%); border-radius: 34px; box-shadow: 0 32px 90px rgba(13,67,158,.17); position: relative; z-index: 2;
}
.logo-halo { position: absolute; width: 390px; height: 390px; border-radius: 50%; background: linear-gradient(135deg, rgba(17,190,231,.28), rgba(116,56,231,.18)); filter: blur(50px); z-index: -1; }
.hero-orb { position: absolute; border-radius: 50%; filter: blur(2px); opacity: .65; }
.orb-a { width: 110px; height: 110px; top: 15%; right: 7%; border: 24px solid rgba(17,190,231,.18); }
.orb-b { width: 78px; height: 78px; bottom: 12%; left: 5%; background: rgba(116,56,231,.11); }

.section-heading { max-width: 750px; margin: 0 auto 50px; text-align: center; }
.section-heading.left { text-align: left; margin: 0 0 28px; }
.section-heading > p:not(.eyebrow) { color: var(--text); font-size: 1.08rem; }

.cards-grid { display: grid; gap: 22px; }
.cards-grid.three { grid-template-columns: repeat(3, 1fr); }
.cards-grid.four { grid-template-columns: repeat(4, 1fr); }
.service-card, .mini-card {
  position: relative; padding: 34px; border-radius: var(--radius); border: 1px solid var(--line); background: linear-gradient(180deg,#fff,#fafdff); box-shadow: var(--shadow-soft);
  overflow: hidden; transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.service-card::after, .mini-card::after {
  content: ""; position: absolute; inset: auto -35px -55px auto; width: 120px; height: 120px; border-radius: 50%; background: linear-gradient(135deg, rgba(17,190,231,.12), rgba(116,56,231,.12));
}
.service-card:hover, .mini-card:hover { transform: translateY(-7px); box-shadow: var(--shadow); border-color: rgba(13,99,216,.25); }
.icon-wrap {
  width: 64px; height: 64px; border-radius: 20px; display: grid; place-items: center; margin-bottom: 26px;
  background: linear-gradient(135deg, rgba(13,99,216,.10), rgba(116,56,231,.10)); color: var(--blue);
}
.icon-wrap svg { width: 34px; height: 34px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.service-card h3 { font-size: 1.45rem; }

.payments-section { background: linear-gradient(180deg, #f8fbff, #eef6ff); }
.payments-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: center; }
.payments-layout .section-heading { margin: 0; text-align: left; }
.payment-flow { display: grid; gap: 12px; }
.payment-item {
  display: flex; align-items: center; gap: 18px; padding: 18px 22px; border-radius: 20px; background: rgba(255,255,255,.86); border: 1px solid rgba(13,99,216,.12); box-shadow: 0 8px 25px rgba(8,47,131,.05); transition: transform .25s ease;
}
.payment-item:hover { transform: translateX(7px); }
.payment-item span {
  width: 42px; height: 42px; border-radius: 14px; display: grid; place-items: center; color: #fff; font-size: .78rem; font-weight: 900; background: linear-gradient(135deg,var(--blue),var(--violet));
}
.payment-item strong { font-size: 1.05rem; }

.info-split { display: grid; grid-template-columns: 1.08fr .92fr; gap: 24px; align-items: stretch; }
.glass-panel, .interest-panel { border-radius: 34px; padding: 48px; }
.glass-panel { background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-soft); }
.check-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.check-list li { position: relative; padding: 16px 18px 16px 52px; border-radius: 16px; background: var(--soft); color: #233f6e; font-weight: 750; }
.check-list li::before { content: "✓"; position: absolute; left: 18px; top: 15px; width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(135deg,var(--blue),var(--cyan)); color: #fff; font-size: .78rem; }
.check-list small { color: var(--muted); font-weight: 650; }
.interest-panel { color: #fff; background: linear-gradient(145deg, #0b3c9d, #0f77d5 50%, #6237d7); box-shadow: 0 28px 70px rgba(25,77,181,.24); display: flex; flex-direction: column; justify-content: center; }
.interest-panel h2 { margin-bottom: 28px; }
.interest-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.interest-box { padding: 24px; border-radius: 22px; background: rgba(255,255,255,.11); border: 1px solid rgba(255,255,255,.18); backdrop-filter: blur(12px); }
.interest-box span { display: block; color: #dceeff; font-weight: 700; }
.interest-box strong { display: block; font-size: clamp(3rem, 6vw, 5.2rem); line-height: 1; letter-spacing: -.05em; margin-top: 10px; }

.promo-section {
  color: #fff;
  background:
    radial-gradient(circle at 20% 20%, rgba(17,190,231,.22), transparent 28%),
    radial-gradient(circle at 82% 72%, rgba(120,69,244,.26), transparent 30%),
    linear-gradient(135deg,#071f56,#0a4ba3 55%,#3c219c);
  overflow: hidden;
}
.light-heading h2, .light-heading > p:not(.eyebrow) { color: #fff; }
.promo-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.promo-card { padding: 32px; border-radius: 28px; background: rgba(255,255,255,.095); border: 1px solid rgba(255,255,255,.16); backdrop-filter: blur(13px); transition: transform .3s ease, background .3s ease; }
.promo-card:hover { transform: translateY(-6px); background: rgba(255,255,255,.13); }
.promo-card h3 { font-size: 1.45rem; }
.promo-card p { color: #d8eaff; }
.promo-kicker { display: inline-block; margin-bottom: 22px; padding: 7px 11px; border-radius: 999px; color: #b5efff; background: rgba(17,190,231,.12); border: 1px solid rgba(119,223,250,.20); font-size: .75rem; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.chip-list { display: flex; flex-wrap: wrap; gap: 8px; }
.chip-list span { padding: 7px 10px; border-radius: 999px; background: rgba(255,255,255,.12); font-size: .8rem; font-weight: 800; }

.mini-card { min-height: 220px; display: flex; flex-direction: column; justify-content: space-between; }
.mini-card p { color: var(--violet); font-weight: 900; font-size: 1.15rem; margin: 0; }
.mini-icon { width: 48px; height: 48px; border-radius: 16px; display: grid; place-items: center; background: #edf4ff; color: var(--blue); font-weight: 900; margin-bottom: 34px; }
.condition-note { margin-top: 26px; display: flex; align-items: flex-start; gap: 20px; padding: 28px 30px; border-radius: 24px; background: linear-gradient(90deg, rgba(13,99,216,.08), rgba(116,56,231,.08)); border: 1px solid rgba(13,99,216,.13); }
.condition-note h3 { margin-bottom: 7px; }
.condition-note p { margin-bottom: 0; color: var(--text); }
.condition-icon { flex: 0 0 48px; width: 48px; height: 48px; border-radius: 16px; display: grid; place-items: center; color: #fff; background: linear-gradient(135deg,var(--blue),var(--violet)); font-weight: 900; }

.video-section { color: #fff; background: linear-gradient(180deg,#061d4f,#082f83); }
.video-frame { width: min(900px, 100%); margin: 0 auto; position: relative; border-radius: 30px; padding: 1px; background: linear-gradient(135deg, rgba(66,206,245,.9), rgba(124,73,242,.9)); box-shadow: 0 35px 90px rgba(0,0,0,.3); }
.video-frame::before { content: ""; position: absolute; inset: 7% -2% -4%; border-radius: 34px; background: linear-gradient(135deg, rgba(17,190,231,.30), rgba(116,56,231,.30)); filter: blur(26px); z-index: 0; }
.video-frame video { width: 100%; border-radius: 29px; background: #020814; position: relative; z-index: 1; max-height: 72vh; object-fit: contain; }

.summary-section { background: #f8fbff; }
.summary-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 50px; align-items: center; }
.summary-title { display: flex; gap: 24px; align-items: center; }
.summary-title img { width: 132px; border-radius: 20px; box-shadow: var(--shadow-soft); }
.summary-title h2 { font-size: clamp(2rem,4vw,3.6rem); margin-bottom: 0; }
.summary-list { display: flex; flex-wrap: wrap; gap: 10px; }

.site-footer { padding: 58px 0; background: #041a49; color: #c9daf6; }
.footer-grid { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: end; }
.footer-brand img { width: 190px; border-radius: 14px; margin-bottom: 18px; }
.footer-brand p { margin: 4px 0; }
.footer-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 18px; }
.footer-nav a { color: #dce8fb; font-size: .86rem; }
.footer-nav a:hover { color: #fff; }

.reveal { opacity: 1; transform: translateY(0); transition: opacity .72s ease, transform .72s ease; }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: .10s; }
.delay-2 { transition-delay: .20s; }
.delay-3 { transition-delay: .30s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
  .reveal { opacity: 1; transform: none; }
}

@media (max-width: 980px) {
  .section-pad { padding: 86px 0; }
  .hero { min-height: auto; }
  .hero-grid, .payments-layout, .info-split, .summary-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 28px; }
  .logo-stage { min-height: 420px; }
  .payments-layout { gap: 36px; }
  .cards-grid.four { grid-template-columns: repeat(2,1fr); }
  .promo-grid { grid-template-columns: 1fr; }
  .summary-title { justify-content: center; text-align: left; }
  .summary-list { justify-content: center; }

  .menu-toggle { display: block; position: relative; z-index: 1002; }
  .main-nav {
    position: fixed; inset: 86px 0 auto 0; display: grid; gap: 0; padding: 14px 20px 24px; background: rgba(255,255,255,.985); border-bottom: 1px solid var(--line); box-shadow: 0 18px 45px rgba(8,47,131,.12);
    transform: translateY(-130%); opacity: 0; visibility: hidden; transition: .28s ease;
  }
  .main-nav.open { transform: translateY(0); opacity: 1; visibility: visible; }
  .main-nav a { padding: 15px 4px; border-bottom: 1px solid rgba(13,99,216,.08); }
  .main-nav a::after { display: none; }
  .menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle.active span:nth-child(2) { opacity: 0; }
  .menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

@media (max-width: 720px) {
  .container { width: min(100% - 28px, 1180px); }
  .section-pad { padding: 72px 0; }
  .header-shell { min-height: 76px; }
  .brand img { width: 144px; height: 54px; }
  .main-nav { inset: 76px 0 auto 0; }
  h1 { font-size: clamp(2.9rem, 13vw, 4.6rem); }
  h2 { font-size: clamp(2.15rem, 10vw, 3.4rem); }
  .hero-lead { font-size: 1.05rem; }
  .hero-actions .btn { width: 100%; }
  .logo-stage { min-height: 340px; }
  .logo-stage::before { width: 290px; height: 290px; }
  .logo-stage::after { width: 345px; height: 345px; }
  .logo-stage img { border-radius: 24px; }
  .cards-grid.three, .cards-grid.four { grid-template-columns: 1fr; }
  .service-card, .mini-card { padding: 28px; }
  .glass-panel, .interest-panel { padding: 30px 24px; border-radius: 26px; }
  .interest-grid { grid-template-columns: 1fr; }
  .interest-box strong { font-size: 4rem; }
  .payment-item { padding: 15px; }
  .condition-note { padding: 22px 20px; }
  .summary-title { flex-direction: column; text-align: center; }
  .summary-title img { width: 160px; }
  .footer-grid { grid-template-columns: 1fr; align-items: start; }
  .footer-nav { justify-content: flex-start; }
  .video-frame { border-radius: 20px; }
  .video-frame video { border-radius: 19px; }
}

/* --- Nuevas secciones: inversiones, condiciones y horario --- */
.investment-section {
  background:
    radial-gradient(circle at 10% 20%, rgba(17,190,231,.10), transparent 28%),
    linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
}
.investment-layout {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 34px;
  align-items: stretch;
}
.investment-copy,
.rate-panel {
  border-radius: 34px;
  min-width: 0;
}
.investment-copy {
  padding: 48px;
  border: 1px solid var(--line);
  background: rgba(255,255,255,.92);
  box-shadow: var(--shadow-soft);
}
.investment-copy > p:not(.eyebrow) {
  color: var(--text);
  font-size: 1.08rem;
}
.investment-minimums {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 12px;
  align-items: center;
  margin-top: 34px;
}
.minimum-card {
  padding: 22px;
  border-radius: 22px;
  background: linear-gradient(180deg, #f8fbff, #eff6ff);
  border: 1px solid rgba(13,99,216,.13);
}
.minimum-card span,
.minimum-card small,
.rate-card span,
.rate-card small {
  display: block;
}
.minimum-card span {
  color: var(--muted);
  font-weight: 750;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.minimum-card strong {
  display: block;
  font-size: clamp(1.7rem, 3.2vw, 2.9rem);
  line-height: 1.05;
  letter-spacing: -.04em;
  color: var(--navy);
  margin: 8px 0 3px;
}
.minimum-card small { color: var(--text); font-weight: 800; }
.minimum-separator {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--blue);
  background: #fff;
  border: 1px solid var(--line);
  font-weight: 900;
}
.rate-panel {
  padding: 28px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  background: linear-gradient(145deg, #072a75, #0d63d8 52%, #6b36df);
  box-shadow: 0 28px 70px rgba(25,77,181,.22);
}
.rate-card {
  min-height: 290px;
  padding: 30px;
  border-radius: 26px;
  background: rgba(255,255,255,.11);
  border: 1px solid rgba(255,255,255,.20);
  color: #fff;
  display: flex;
  flex-direction: column;
  justify-content: center;
  backdrop-filter: blur(12px);
}
.rate-card span { color: #dceeff; font-weight: 800; }
.rate-card strong {
  font-size: clamp(4rem, 7.5vw, 6.8rem);
  line-height: .95;
  letter-spacing: -.06em;
  margin: 10px 0;
}
.rate-card small { color: #bfeaff; font-weight: 800; font-size: 1rem; }

.terms-section { background: #f8fbff; }
.terms-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.term-card {
  position: relative;
  padding: 32px;
  border-radius: 26px;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-soft);
}
.term-card h3 { margin-top: 22px; font-size: 1.35rem; }
.term-card p { color: var(--text); margin-bottom: 10px; }
.term-number {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 15px;
  color: #fff;
  font-size: .8rem;
  font-weight: 900;
  background: linear-gradient(135deg, var(--blue), var(--violet));
}
.term-highlight {
  display: inline-block;
  margin-top: 8px;
  padding: 8px 12px;
  border-radius: 999px;
  color: #7a2d15 !important;
  background: #fff1e9;
  border: 1px solid #ffd6c2;
  font-weight: 900;
}
.terms-heading { margin-top: 90px; }
.policy-stack { display: grid; gap: 16px; }
.policy-row {
  display: grid;
  grid-template-columns: 78px 1fr;
  gap: 24px;
  align-items: start;
  padding: 30px;
  border-radius: 26px;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 10px 28px rgba(8,47,131,.05);
}
.policy-row h3 { font-size: 1.35rem; margin-bottom: 7px; }
.policy-row p { color: var(--text); margin-bottom: 0; }
.policy-badge {
  width: 66px;
  height: 66px;
  border-radius: 20px;
  display: grid;
  place-items: center;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--violet));
  font-size: 1.4rem;
  font-weight: 950;
  box-shadow: 0 10px 24px rgba(52,72,203,.2);
}
.policy-icon { font-size: 1.7rem; }

.promo-conditions,
.five-credit {
  margin-top: 24px;
  border-radius: 28px;
  border: 1px solid rgba(255,255,255,.18);
  background: rgba(255,255,255,.10);
  backdrop-filter: blur(12px);
}
.promo-conditions {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 28px;
  align-items: center;
  padding: 30px;
}
.promo-zero {
  min-height: 130px;
  display: grid;
  place-items: center;
  border-radius: 24px;
  font-size: 3.8rem;
  line-height: 1;
  font-weight: 950;
  letter-spacing: -.06em;
  background: linear-gradient(135deg, rgba(17,190,231,.22), rgba(116,56,231,.30));
  border: 1px solid rgba(255,255,255,.18);
}
.promo-conditions h3,
.five-credit h3 { font-size: 1.5rem; }
.promo-conditions p,
.five-credit p { color: #dceaff; margin-bottom: 8px; }
.five-credit {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 28px;
  align-items: center;
  padding: 30px;
}
.five-credit-rate {
  min-height: 130px;
  display: grid;
  place-items: center;
  border-radius: 24px;
  color: #fff;
  font-size: 3.8rem;
  line-height: 1;
  font-weight: 950;
  letter-spacing: -.06em;
  background: linear-gradient(135deg, #0d8fd8, #7438e7);
  box-shadow: 0 18px 42px rgba(0,0,0,.15);
}

.hours-section {
  padding: 0 0 90px;
  background: #061d4f;
}
.hours-card {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 28px;
  align-items: center;
  padding: 38px 42px;
  border-radius: 30px;
  color: #fff;
  background: linear-gradient(135deg, rgba(13,99,216,.72), rgba(116,56,231,.72));
  border: 1px solid rgba(255,255,255,.16);
  box-shadow: 0 24px 60px rgba(0,0,0,.22);
}
.hours-card h2 { margin: 0; font-size: clamp(2rem, 4vw, 3.5rem); }
.hours-times {
  display: grid;
  gap: 10px;
  min-width: 250px;
}
.hours-times span {
  display: block;
  padding: 12px 16px;
  border-radius: 16px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.16);
  font-weight: 850;
  text-align: center;
}

@media (max-width: 980px) {
  .investment-layout { grid-template-columns: 1fr; }
  .terms-grid { grid-template-columns: 1fr; }
  .hours-card { grid-template-columns: 1fr; }
  .hours-times { min-width: 0; grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .investment-copy { padding: 30px 24px; }
  .investment-minimums { grid-template-columns: 1fr; }
  .minimum-separator { margin: -2px auto; }
  .rate-panel { grid-template-columns: 1fr; padding: 20px; }
  .rate-card { min-height: 210px; padding: 24px; }
  .policy-row { grid-template-columns: 1fr; padding: 24px; }
  .policy-badge { width: 58px; height: 58px; }
  .promo-conditions,
  .five-credit { grid-template-columns: 1fr; padding: 22px; gap: 18px; }
  .promo-zero,
  .five-credit-rate { min-height: 100px; font-size: 3.2rem; }
  .hours-section { padding-bottom: 72px; }
  .hours-card { padding: 30px 24px; }
  .hours-times { grid-template-columns: 1fr; }
}