.section-prestamos{
  background: linear-gradient(180deg,var(--surface),var(--bg));
  padding:64px 0;
}

.prest-wrap{
  width:min(1100px,100%);
  margin:0 auto;
}

.prest-header{
  max-width:860px;
  margin-bottom:16px;
}

.badge{
  display:inline-block;
  padding:6px 10px;
  border-radius:999px;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.06em;
  background:rgba(31,111,154,.12);
  color:var(--asefh-blue-dark);
  margin-bottom:10px;
}

.prest-header h2{
  margin:0 0 8px 0;
  font-size:clamp(26px,3vw,38px);
}

.prest-header p{
  margin:0;
  color:var(--muted);
  line-height:1.7;
}

.prest-grid{
  display:grid;
  grid-template-columns:.95fr 1.35fr;
  gap:16px;
  margin-top:16px;
}

.side-card{
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:22px;
  box-shadow:var(--shadow);
  padding:16px;
  position:sticky;
  top:16px;
}

.side-card h3{margin:0 0 8px 0;}
.side-card p{margin:0 0 12px 0;color:var(--muted);line-height:1.7;}

.mini-box{
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:12px;
  margin-bottom:12px;
  background:var(--bg);
}

.mini-title{font-weight:900;margin-bottom:8px;}
.mini-box ul{margin:0;padding-left:18px;color:var(--muted);}

.cta-note{
  padding:12px;
  border-radius:var(--radius);
  border:1px solid rgba(31,111,154,.25);
  background:var(--asefh-blue-soft);
  color:var(--asefh-blue-dark);
  font-size:14px;
}

.prest-accordion{display:grid;gap:12px;}

.acc-item{
  border:1px solid var(--border);
  border-radius:18px;
  box-shadow:var(--shadow);
  background:var(--bg);
  overflow:hidden;
}

.acc-item summary{
  cursor:pointer;
  padding:14px;
  font-weight:900;
  position:relative;
  list-style:none;
}

.acc-item summary::-webkit-details-marker{display:none;}

.acc-item summary::after{
  content:"+";
  position:absolute;
  right:14px;
  top:12px;
  width:30px;height:30px;
  display:grid;place-items:center;
  border-radius:10px;
  background:rgba(214,162,26,.18);
  border:1px solid rgba(214,162,26,.35);
  font-weight:900;
}

.acc-item[open] summary::after{content:"–";}

.acc-item summary::before{
  content:"";
  position:absolute;
  inset:0 0 auto 0;
  height:4px;
  background:linear-gradient(90deg,var(--asefh-blue-dark),var(--asefh-gold));
}

.acc-content{
  padding:12px 14px 16px;
  border-top:1px solid var(--border);
}

.list{margin:0;padding-left:18px;color:var(--muted);line-height:1.65;}

.acc-item.warning{border-color:rgba(214,162,26,.45);}

@media(max-width:940px){
  .prest-grid{grid-template-columns:1fr;}
  .side-card{position:relative;top:0;}
}