{"id":121,"date":"2026-08-05T21:30:33","date_gmt":"2026-08-05T21:30:33","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=121"},"modified":"2026-09-20T00:26:09","modified_gmt":"2026-09-20T00:26:09","slug":"patrimonio-y-educacion-semilla","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=121","title":{"rendered":"Patrimonio y Educaci\u00f3n"},"content":{"rendered":"\n<style>\n    \/* Contenedor Aislado - Patrimonio Y Educaci\u00f3n *\/\n    #vperch-patrim {\n        --vpp-navy: #0b1f3a;\n        --vpp-blue: #1a4f8a;\n        --vpp-blue-light: #dbeafe;\n        --vpp-charcoal: #4b5563;\n        --vpp-white: #ffffff;\n        --vpp-off-white: #f8fafc;\n        --vpp-gray-100: #f1f5f9;\n        --vpp-gray-200: #e2e8f0;\n        --vpp-green: #16a34a;\n        --vpp-green-bg: #dcfce7;\n        --vpp-emerald: #059669;\n        --vpp-teal: #0891b2;\n        --vpp-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n        --vpp-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n        --vpp-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.16);\n        --vpp-radius-sm: 8px;\n        --vpp-radius-md: 12px;\n        --vpp-radius-lg: 18px;\n        --vpp-transition: 0.3s ease;\n\n        font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n        background-color: var(--vpp-white);\n        color: var(--vpp-charcoal);\n        line-height: 1.6;\n        -webkit-font-smoothing: antialiased;\n        margin: 0 auto;\n        width: 100%;\n        box-sizing: border-box;\n    }\n\n    #vperch-patrim *, #vperch-patrim *::before, #vperch-patrim *::after {\n        margin: 0;\n        padding: 0;\n        box-sizing: border-box;\n    }\n    #vperch-patrim a { text-decoration: none; box-shadow: none; }\n    #vperch-patrim h1, #vperch-patrim h2, #vperch-patrim p { margin-top: 0; background: transparent; border: none; }\n\n    #vperch-patrim .vpp-section {\n        max-width: 1200px;\n        margin: 0 auto;\n        padding: 80px 24px;\n        display: grid;\n        grid-template-columns: 1.1fr 0.9fr;\n        gap: 56px;\n        align-items: center;\n    }\n\n    \/* Dashboard *\/\n    #vperch-patrim .vpp-dashboard-wrapper {\n        position: relative;\n        width: 100%;\n        max-width: 560px;\n        aspect-ratio: 4 \/ 3.2;\n        background: linear-gradient(145deg, #d1fae5 0%, #6ee7b7 100%);\n        border-radius: var(--vpp-radius-lg);\n        padding: 20px;\n        box-shadow: var(--vpp-shadow-md);\n        animation: vppFloat 5s ease-in-out infinite alternate;\n    }\n    @keyframes vppFloat {\n        0% { transform: translateY(0); }\n        100% { transform: translateY(-6px); }\n    }\n\n    #vperch-patrim .vpp-calendar-card {\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-md);\n        box-shadow: var(--vpp-shadow-lg);\n        overflow: hidden;\n        display: flex;\n        width: 100%;\n        height: 100%;\n    }\n    #vperch-patrim .vpp-calendar-main {\n        flex: 2;\n        padding: 14px;\n        display: flex;\n        flex-direction: column;\n    }\n    #vperch-patrim .vpp-calendar-header {\n        display: flex;\n        align-items: center;\n        justify-content: space-between;\n        margin-bottom: 10px;\n        flex-wrap: wrap;\n        gap: 6px;\n    }\n    #vperch-patrim .vpp-calendar-header .vpp-title {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        font-size: 0.95rem;\n    }\n    #vperch-patrim .vpp-date-picker {\n        display: flex;\n        align-items: center;\n        gap: 8px;\n        font-size: 0.7rem;\n        color: var(--vpp-charcoal);\n        font-weight: 600;\n    }\n    #vperch-patrim .vpp-calendar-grid {\n        display: grid;\n        grid-template-columns: repeat(5, 1fr);\n        gap: 6px;\n        flex: 1;\n    }\n    #vperch-patrim .vpp-day-column {\n        background: var(--vpp-off-white);\n        border-radius: 6px;\n        padding: 5px;\n        display: flex;\n        flex-direction: column;\n        gap: 4px;\n    }\n    #vperch-patrim .vpp-day-label {\n        font-size: 0.55rem;\n        font-weight: 800;\n        color: #94a3b8;\n        text-align: center;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n    }\n    #vperch-patrim .vpp-post-thumb {\n        width: 100%;\n        aspect-ratio: 1 \/ 1;\n        background: linear-gradient(135deg, #d1fae5 0%, #a7f3d0 100%);\n        border-radius: 5px;\n        display: flex;\n        align-items: center;\n        justify-content: center;\n        font-size: 1.1rem;\n        position: relative;\n    }\n    #vperch-patrim .vpp-post-thumb .vpp-badge {\n        position: absolute;\n        bottom: 2px;\n        right: 2px;\n        font-size: 0.4rem;\n        font-weight: 800;\n        padding: 2px 4px;\n        border-radius: 3px;\n        color: white;\n        background: var(--vpp-green);\n        text-transform: uppercase;\n        letter-spacing: 0.03em;\n    }\n    #vperch-patrim .vpp-post-thumb .vpp-badge.vpp-invest {\n        background: var(--vpp-teal);\n    }\n    #vperch-patrim .vpp-post-thumb .vpp-badge.vpp-meta {\n        background: var(--vpp-emerald);\n    }\n    #vperch-patrim .vpp-post-meta {\n        font-size: 0.45rem;\n        color: #64748b;\n        text-align: center;\n        line-height: 1.2;\n        font-weight: 600;\n    }\n\n    #vperch-patrim .vpp-overview-sidebar {\n        flex: 1;\n        background: var(--vpp-gray-100);\n        padding: 14px;\n        display: flex;\n        flex-direction: column;\n        gap: 12px;\n        border-left: 1px solid var(--vpp-gray-200);\n    }\n    #vperch-patrim .vpp-overview-title {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        font-size: 0.75rem;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n    }\n    #vperch-patrim .vpp-overview-item {\n        display: flex;\n        flex-direction: column;\n        gap: 3px;\n    }\n    #vperch-patrim .vpp-overview-item .vpp-label {\n        font-size: 0.55rem;\n        color: #94a3b8;\n        font-weight: 700;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n    }\n    #vperch-patrim .vpp-overview-item .vpp-value {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        font-size: 1rem;\n        line-height: 1;\n    }\n    #vperch-patrim .vpp-overview-item .vpp-detail {\n        font-size: 0.55rem;\n        color: #64748b;\n        font-weight: 600;\n    }\n    #vperch-patrim .vpp-overview-item .vpp-positive {\n        color: var(--vpp-green);\n    }\n\n    #vperch-patrim .vpp-floating-icon {\n        position: absolute;\n        top: -15px;\n        right: -15px;\n        background: var(--vpp-emerald);\n        width: 55px;\n        height: 55px;\n        border-radius: 50%;\n        display: flex;\n        align-items: center;\n        justify-content: center;\n        color: white;\n        font-size: 1.5rem;\n        box-shadow: var(--vpp-shadow-lg);\n        z-index: 5;\n        border: 3px solid white;\n    }\n\n    \/* Texto *\/\n    #vperch-patrim .vpp-right-col { padding-left: 16px; }\n    #vperch-patrim .vpp-right-col h1 {\n        font-size: clamp(1.75rem, 3.5vw, 2.75rem);\n        font-weight: 800;\n        color: var(--vpp-navy);\n        letter-spacing: -0.025em;\n        line-height: 1.15;\n        margin-bottom: 24px;\n    }\n    #vperch-patrim .vpp-right-col h1 .vpp-highlight {\n        color: var(--vpp-emerald);\n        display: block;\n    }\n    #vperch-patrim .vpp-body-text {\n        font-size: 1.05rem;\n        color: var(--vpp-charcoal);\n        margin-bottom: 32px;\n        line-height: 1.7;\n        max-width: 520px;\n    }\n    #vperch-patrim .vpp-body-text strong {\n        color: var(--vpp-navy);\n        font-weight: 700;\n    }\n\n    #vperch-patrim .vpp-cta-row {\n        display: flex;\n        gap: 16px;\n        flex-wrap: wrap;\n        margin-bottom: 16px;\n    }\n    #vperch-patrim .vpp-btn {\n        padding: 14px 28px;\n        font-size: 1rem;\n        font-weight: 700;\n        font-family: inherit;\n        border-radius: var(--vpp-radius-sm);\n        cursor: pointer;\n        transition: all var(--vpp-transition);\n        display: inline-flex;\n        align-items: center;\n        gap: 8px;\n        text-align: center;\n        white-space: nowrap;\n        border: 2px solid transparent;\n    }\n    #vperch-patrim .vpp-btn-primary {\n        background-color: var(--vpp-emerald);\n        color: var(--vpp-white);\n        border-color: var(--vpp-emerald);\n        box-shadow: 0 4px 12px rgba(5, 150, 105, 0.25);\n    }\n    #vperch-patrim .vpp-btn-primary:hover {\n        background-color: #047857;\n        border-color: #047857;\n        box-shadow: var(--vpp-shadow-md);\n        transform: translateY(-2px);\n        color: var(--vpp-white);\n    }\n    #vperch-patrim .vpp-btn-secondary {\n        background-color: var(--vpp-white);\n        color: var(--vpp-navy);\n        border-color: var(--vpp-navy);\n    }\n    #vperch-patrim .vpp-btn-secondary:hover {\n        background-color: var(--vpp-off-white);\n        border-color: var(--vpp-emerald);\n        color: var(--vpp-emerald);\n    }\n    #vperch-patrim .vpp-fine-print {\n        font-size: 0.85rem;\n        color: #94a3b8;\n        font-weight: 500;\n    }\n\n    @media (max-width: 992px) {\n        #vperch-patrim .vpp-section {\n            grid-template-columns: 1fr;\n            gap: 40px;\n            padding: 56px 20px;\n        }\n        #vperch-patrim .vpp-right-col {\n            padding-left: 0;\n            text-align: center;\n        }\n        #vperch-patrim .vpp-body-text {\n            margin-left: auto;\n            margin-right: auto;\n        }\n        #vperch-patrim .vpp-cta-row { justify-content: center; }\n    }\n    @media (max-width: 600px) {\n        #vperch-patrim .vpp-section { padding: 40px 16px; }\n        #vperch-patrim .vpp-calendar-grid {\n            grid-template-columns: repeat(3, 1fr);\n            gap: 4px;\n        }\n        #vperch-patrim .vpp-dashboard-wrapper { padding: 12px; }\n        #vperch-patrim .vpp-floating-icon {\n            width: 45px; height: 45px;\n            top: -10px; right: -10px;\n            font-size: 1.2rem;\n        }\n        #vperch-patrim .vpp-cta-row {\n            flex-direction: column;\n            align-items: stretch;\n        }\n        #vperch-patrim .vpp-btn { width: 100%; justify-content: center; }\n    }\n    @media (prefers-reduced-motion: reduce) {\n        #vperch-patrim .vpp-dashboard-wrapper { animation: none; }\n        #vperch-patrim .vpp-btn, #vperch-patrim .vpp-btn-primary:hover { transition: none; transform: none; }\n    }\n<\/style>\n\n<div id=\"vperch-patrim\">\n    <section class=\"vpp-section\" aria-label=\"Patrimonio Y Educaci\u00f3n\">\n        <!-- Columna Izquierda: Dashboard Mockup -->\n        <div class=\"vpp-left-col\">\n            <div class=\"vpp-dashboard-wrapper\">\n                <div class=\"vpp-calendar-card\">\n                    <div class=\"vpp-calendar-main\">\n                        <div class=\"vpp-calendar-header\">\n                            <span class=\"vpp-title\">Plan patrimonial<\/span>\n                            <div class=\"vpp-date-picker\">\n                                <span>\u276e<\/span>\n                                <span>Nov 4-8, 2026<\/span>\n                                <span>\u276f<\/span>\n                            <\/div>\n                        <\/div>\n                        <div class=\"vpp-calendar-grid\">\n                            <div class=\"vpp-day-column\">\n                                <span class=\"vpp-day-label\">Lun 4<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83d\udcb0<span class=\"vpp-badge\">Ahorro<\/span><\/div>\n                                <span class=\"vpp-post-meta\">S\/ 500<\/span>\n                            <\/div>\n                            <div class=\"vpp-day-column\">\n                                <span class=\"vpp-day-label\">Mar 5<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83d\udcc8<span class=\"vpp-badge vpp-invest\">Invertir<\/span><\/div>\n                                <span class=\"vpp-post-meta\">Portafolio<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83c\udf93<span class=\"vpp-badge\">Curso<\/span><\/div>\n                                <span class=\"vpp-post-meta\">M\u00f3dulo 4<\/span>\n                            <\/div>\n                            <div class=\"vpp-day-column\">\n                                <span class=\"vpp-day-label\">Mi\u00e9 6<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83c\udfaf<span class=\"vpp-badge vpp-meta\">Meta<\/span><\/div>\n                                <span class=\"vpp-post-meta\">S\/ 15K<\/span>\n                            <\/div>\n                            <div class=\"vpp-day-column\">\n                                <span class=\"vpp-day-label\">Jue 7<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83d\udcca<span class=\"vpp-badge\">Revisar<\/span><\/div>\n                                <span class=\"vpp-post-meta\">Portafolio<\/span>\n                            <\/div>\n                            <div class=\"vpp-day-column\">\n                                <span class=\"vpp-day-label\">Vie 8<\/span>\n                                <div class=\"vpp-post-thumb\">\ud83c\udf31<span class=\"vpp-badge\">Rebalancear<\/span><\/div>\n                                <span class=\"vpp-post-meta\">Inversi\u00f3n<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"vpp-overview-sidebar\">\n                        <span class=\"vpp-overview-title\">Mi patrimonio<\/span>\n                        <div class=\"vpp-overview-item\">\n                            <span class=\"vpp-label\">Ahorro acumulado<\/span>\n                            <span class=\"vpp-value\">S\/ 12,400<\/span>\n                            <span class=\"vpp-detail vpp-positive\">\u25b2 +8% este mes<\/span>\n                        <\/div>\n                        <div class=\"vpp-overview-item\">\n                            <span class=\"vpp-label\">Portafolio activo<\/span>\n                            <span class=\"vpp-value\">4<\/span>\n                            <span class=\"vpp-detail vpp-positive\">\u25b2 +2 este trimestre<\/span>\n                        <\/div>\n                        <div class=\"vpp-overview-item\">\n                            <span class=\"vpp-label\">Metas activas<\/span>\n                            <span class=\"vpp-value\">3<\/span>\n                            <span class=\"vpp-detail\">\ud83c\udf93 Educaci\u00f3n al 60%<\/span>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"vpp-floating-icon\" aria-hidden=\"true\">\ud83d\udc8e<\/div>\n            <\/div>\n        <\/div>\n\n        <!-- Columna Derecha: Texto -->\n        <div class=\"vpp-right-col\">\n            <h1>\n                Patrimonio Y Educaci\u00f3n:\n                <span class=\"vpp-highlight\">Construye tu futuro paso a paso.<\/span>\n            <\/h1>\n            <p class=\"vpp-body-text\">\n                Salir de deudas es solo el comienzo. Te <strong>ense\u00f1amos a ahorrar, invertir y planificar tus metas<\/strong> para que construyas un patrimonio sostenible. Con <strong>asesor\u00eda de inversiones personalizada<\/strong> y educaci\u00f3n financiera continua, tu dinero empieza a trabajar para ti.\n            <\/p>\n            <div class=\"vpp-cta-row\">\n                <a href=\"#diagnostico\" class=\"vpp-btn vpp-btn-primary\">\n                    \ud83d\udc8e Agendar asesor\u00eda\n                <\/a>\n                <a href=\"#inversiones\" class=\"vpp-btn vpp-btn-secondary\">\n                    Ver portafolios\n                <\/a>\n            <\/div>\n            <p class=\"vpp-fine-print\">\n                Asesor\u00eda 3% anual sobre patrimonio \u00b7 Portafolios diversificados \u00b7 Educaci\u00f3n incluida\n            <\/p>\n        <\/div>\n    <\/section>\n<\/div>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Carga de Fuentes -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n    \/* Contenedor Aislado - Patrimonio Y Educaci\u00f3n Features *\/\n    #vperch-patrim-features {\n        --vpf-navy: #0b1f3a;\n        --vpf-emerald: #059669;\n        --vpf-emerald-dark: #047857;\n        --vpf-emerald-light: #d1fae5;\n        --vpf-charcoal: #4b5563;\n        --vpf-white: #ffffff;\n        --vpf-off-white: #f8fafc;\n        --vpf-gray-100: #f1f5f9;\n        --vpf-gray-200: #e2e8f0;\n        --vpf-green: #16a34a;\n        --vpf-teal: #0891b2;\n        --vpf-orange: #f59e0b;\n        --vpf-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n        --vpf-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n        --vpf-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.16);\n        --vpf-radius-sm: 8px;\n        --vpf-radius-md: 12px;\n        --vpf-radius-lg: 18px;\n        --vpf-transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);\n\n        font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n        background-color: var(--vpf-white);\n        color: var(--vpf-charcoal);\n        line-height: 1.6;\n        -webkit-font-smoothing: antialiased;\n        margin: 0 auto;\n        width: 100%;\n        box-sizing: border-box;\n    }\n    #vperch-patrim-features *, #vperch-patrim-features *::before, #vperch-patrim-features *::after {\n        margin: 0; padding: 0; box-sizing: border-box;\n    }\n    #vperch-patrim-features button { background: none; border: none; font-family: inherit; outline: none; cursor: pointer; }\n    #vperch-patrim-features a { text-decoration: none; box-shadow: none; }\n    #vperch-patrim-features h1, #vperch-patrim-features h2, #vperch-patrim-features p { margin-top: 0; background: transparent; border: none; }\n\n    #vperch-patrim-features .vpf-section {\n        max-width: 1200px;\n        margin: 0 auto;\n        padding: 80px 24px;\n        display: grid;\n        grid-template-columns: 0.9fr 1.1fr;\n        gap: 56px;\n        align-items: start;\n    }\n\n    #vperch-patrim-features .vpf-top-header {\n        text-align: center;\n        max-width: 900px;\n        margin: 0 auto 48px;\n    }\n    #vperch-patrim-features .vpf-top-header h2 {\n        font-size: clamp(1.75rem, 4vw, 2.75rem);\n        font-weight: 800;\n        color: var(--vpf-navy);\n        letter-spacing: -0.025em;\n        line-height: 1.2;\n        margin-bottom: 16px;\n    }\n    #vperch-patrim-features .vpf-top-header p {\n        font-size: 1.05rem;\n        color: var(--vpf-charcoal);\n        line-height: 1.7;\n        max-width: 720px;\n        margin: 0 auto;\n    }\n\n    #vperch-patrim-features .vpf-accordion { display: flex; flex-direction: column; }\n    #vperch-patrim-features .vpf-item { border-bottom: 1px solid var(--vpf-gray-200); }\n    #vperch-patrim-features .vpf-item:first-child { border-top: 1px solid var(--vpf-gray-200); }\n    #vperch-patrim-features .vpf-trigger {\n        display: flex;\n        align-items: center;\n        justify-content: space-between;\n        width: 100%;\n        padding: 22px 0;\n        text-align: left;\n        font-size: 1.05rem;\n        font-weight: 700;\n        color: var(--vpf-navy);\n        transition: color var(--vpf-transition);\n        gap: 16px;\n        line-height: 1.4;\n    }\n    #vperch-patrim-features .vpf-trigger:hover { color: var(--vpf-emerald); }\n    #vperch-patrim-features .vpf-trigger.vpf-active { color: var(--vpf-emerald); }\n    #vperch-patrim-features .vpf-chevron {\n        flex-shrink: 0;\n        width: 22px; height: 22px;\n        display: inline-flex; align-items: center; justify-content: center;\n        color: var(--vpf-navy);\n        transition: transform var(--vpf-transition), color var(--vpf-transition);\n    }\n    #vperch-patrim-features .vpf-trigger.vpf-active .vpf-chevron {\n        transform: rotate(180deg);\n        color: var(--vpf-emerald);\n    }\n    #vperch-patrim-features .vpf-chevron svg { width: 100%; height: 100%; fill: currentColor; }\n    #vperch-patrim-features .vpf-content {\n        max-height: 0;\n        overflow: hidden;\n        transition: max-height 0.4s ease, padding 0.4s ease;\n        padding: 0;\n    }\n    #vperch-patrim-features .vpf-content.vpf-open {\n        max-height: 500px;\n        padding: 0 0 24px 0;\n    }\n    #vperch-patrim-features .vpf-content-inner {\n        font-size: 0.98rem;\n        color: var(--vpf-charcoal);\n        line-height: 1.75;\n    }\n\n    #vperch-patrim-features .vpf-dashboard-wrapper {\n        position: relative;\n        background: linear-gradient(145deg, #d1fae5 0%, #6ee7b7 100%);\n        border-radius: var(--vpf-radius-lg);\n        padding: 20px;\n        box-shadow: var(--vpf-shadow-md);\n        animation: vpfFloat 5s ease-in-out infinite alternate;\n        min-height: 480px;\n        display: flex;\n        flex-direction: column;\n    }\n    @keyframes vpfFloat {\n        0% { transform: translateY(0); }\n        100% { transform: translateY(-6px); }\n    }\n\n    #vperch-patrim-features .vpf-sidebar {\n        display: flex;\n        align-items: center;\n        gap: 12px;\n        margin-bottom: 16px;\n    }\n    #vperch-patrim-features .vpf-logo {\n        font-weight: 800;\n        color: var(--vpf-navy);\n        font-size: 1.1rem;\n    }\n    #vperch-patrim-features .vpf-create-btn {\n        background: var(--vpf-emerald);\n        color: var(--vpf-white);\n        border-radius: 20px;\n        padding: 6px 14px;\n        font-size: 0.75rem;\n        font-weight: 700;\n        white-space: nowrap;\n    }\n    #vperch-patrim-features .vpf-create-btn:hover { background: var(--vpf-emerald-dark); }\n\n    #vperch-patrim-features .vpf-nav-tabs {\n        display: flex;\n        gap: 12px;\n        flex-wrap: wrap;\n        margin-bottom: 16px;\n    }\n    #vperch-patrim-features .vpf-nav-tab {\n        font-size: 0.7rem;\n        color: var(--vpf-charcoal);\n        padding: 3px 8px;\n        border-radius: 4px;\n        font-weight: 600;\n    }\n    #vperch-patrim-features .vpf-nav-tab.vpf-active {\n        background: var(--vpf-white);\n        color: var(--vpf-emerald);\n        font-weight: 800;\n    }\n\n    #vperch-patrim-features .vpf-kanban {\n        display: flex;\n        gap: 12px;\n        flex: 1;\n        min-height: 0;\n    }\n    #vperch-patrim-features .vpf-column {\n        flex: 1;\n        background: var(--vpf-white);\n        border-radius: var(--vpf-radius-md);\n        padding: 14px;\n        box-shadow: var(--vpf-shadow-sm);\n        display: flex;\n        flex-direction: column;\n        gap: 10px;\n        min-width: 0;\n    }\n    #vperch-patrim-features .vpf-column-title {\n        font-weight: 800;\n        color: var(--vpf-navy);\n        font-size: 0.8rem;\n        margin-bottom: 4px;\n        display: flex;\n        align-items: center;\n        justify-content: space-between;\n    }\n    #vperch-patrim-features .vpf-column-count {\n        background: var(--vpf-gray-100);\n        color: var(--vpf-charcoal);\n        font-size: 0.6rem;\n        font-weight: 800;\n        padding: 2px 6px;\n        border-radius: 999px;\n    }\n    #vperch-patrim-features .vpf-card {\n        background: var(--vpf-off-white);\n        border-radius: 8px;\n        padding: 10px;\n        font-size: 0.7rem;\n        color: var(--vpf-charcoal);\n        line-height: 1.4;\n        border-left: 3px solid var(--vpf-emerald);\n    }\n    #vperch-patrim-features .vpf-card.vpf-card-teal { border-left-color: var(--vpf-teal); }\n    #vperch-patrim-features .vpf-card.vpf-card-orange { border-left-color: var(--vpf-orange); }\n    #vperch-patrim-features .vpf-card strong { color: var(--vpf-navy); display: block; margin-bottom: 3px; font-size: 0.75rem; }\n    #vperch-patrim-features .vpf-card .vpf-meta { font-size: 0.6rem; color: #94a3b8; font-weight: 600; margin-top: 4px; }\n    #vperch-patrim-features .vpf-card .vpf-tag {\n        display: inline-block;\n        background: var(--vpf-green);\n        color: white;\n        font-size: 0.55rem;\n        font-weight: 800;\n        padding: 2px 6px;\n        border-radius: 3px;\n        text-transform: uppercase;\n        letter-spacing: 0.05em;\n        margin-top: 4px;\n    }\n    #vperch-patrim-features .vpf-card .vpf-tag.vpf-tag-teal { background: var(--vpf-teal); }\n\n    #vperch-patrim-features .vpf-input-widget {\n        background: var(--vpf-white);\n        border-radius: var(--vpf-radius-sm);\n        padding: 10px 14px;\n        display: flex;\n        align-items: center;\n        gap: 10px;\n        margin-top: 14px;\n        box-shadow: var(--vpf-shadow-sm);\n        font-size: 0.78rem;\n        font-weight: 600;\n    }\n    #vperch-patrim-features .vpf-input-label { color: #94a3b8; }\n    #vperch-patrim-features .vpf-input-text { flex: 1; color: var(--vpf-navy); }\n\n    @media (max-width: 992px) {\n        #vperch-patrim-features .vpf-section {\n            grid-template-columns: 1fr;\n            gap: 40px;\n            padding: 56px 20px;\n        }\n        #vperch-patrim-features .vpf-dashboard-wrapper { max-width: 600px; margin: 0 auto; }\n    }\n    @media (max-width: 600px) {\n        #vperch-patrim-features .vpf-section { padding: 40px 16px; }\n        #vperch-patrim-features .vpf-kanban { flex-direction: column; }\n        #vperch-patrim-features .vpf-trigger { font-size: 0.95rem; padding: 18px 0; }\n    }\n    @media (prefers-reduced-motion: reduce) {\n        #vperch-patrim-features .vpf-dashboard-wrapper { animation: none; }\n    }\n<\/style>\n\n<div id=\"vperch-patrim-features\">\n    <div style=\"max-width:1200px;margin:0 auto;padding:80px 24px 0;\">\n        <div class=\"vpf-top-header\">\n            <h2>Descubre lo que vale la pena construir<\/h2>\n            <p>Ahorra, invierte y aprende a hacer crecer tu dinero con asesor\u00eda personalizada y educaci\u00f3n continua.<\/p>\n        <\/div>\n    <\/div>\n\n    <section class=\"vpf-section\" aria-label=\"Patrimonio Y Educaci\u00f3n - Features\">\n        <div class=\"vpf-accordion\" id=\"vpfAccordion\">\n            <div class=\"vpf-item\">\n                <button class=\"vpf-trigger\" aria-expanded=\"false\">\n                    <span>Aprende a ahorrar con prop\u00f3sito<\/span>\n                    <span class=\"vpf-chevron\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg><\/span>\n                <\/button>\n                <div class=\"vpf-content\">\n                    <div class=\"vpf-content-inner\">\n                        El ahorro sin prop\u00f3sito se gasta. Te ense\u00f1amos a definir metas concretas (fondo de emergencia, educaci\u00f3n de tus hijos, viaje familiar) y a automatizar el ahorro para que no dependa de tu fuerza de voluntad.\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vpf-item\">\n                <button class=\"vpf-trigger\" aria-expanded=\"false\">\n                    <span>Invierte con portafolios personalizados<\/span>\n                    <span class=\"vpf-chevron\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg><\/span>\n                <\/button>\n                <div class=\"vpf-content\">\n                    <div class=\"vpf-content-inner\">\n                        Dise\u00f1amos tu portafolio seg\u00fan tu perfil de riesgo, horizonte de tiempo y objetivos. Incluye fondos mutuos, dep\u00f3sitos a plazo, bonos y otros instrumentos disponibles en el mercado peruano.\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vpf-item\">\n                <button class=\"vpf-trigger\" aria-expanded=\"false\">\n                    <span>Educaci\u00f3n financiera continua<\/span>\n                    <span class=\"vpf-chevron\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg><\/span>\n                <\/button>\n                <div class=\"vpf-content\">\n                    <div class=\"vpf-content-inner\">\n                        Acceso a cursos, webinars y materiales exclusivos sobre inversi\u00f3n, tributaci\u00f3n, planificaci\u00f3n patrimonial y emprendimiento. La educaci\u00f3n es la mejor inversi\u00f3n: por eso la incluimos en todos los planes.\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vpf-item\">\n                <button class=\"vpf-trigger\" aria-expanded=\"false\">\n                    <span>Planifica tu legado familiar<\/span>\n                    <span class=\"vpf-chevron\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg><\/span>\n                <\/button>\n                <div class=\"vpf-content\">\n                    <div class=\"vpf-content-inner\">\n                        No solo construyes patrimonio para ti: construyes un legado para tu familia. Te ayudamos con planificaci\u00f3n sucesoria, seguros de vida, testamentos y estructuraci\u00f3n patrimonial a largo plazo.\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <div class=\"vpf-dashboard-wrapper\">\n            <div class=\"vpf-sidebar\">\n                <span class=\"vpf-logo\">Patrimonio<\/span>\n                <button class=\"vpf-create-btn\" type=\"button\">+ Nueva meta<\/button>\n            <\/div>\n            <div class=\"vpf-nav-tabs\">\n                <span class=\"vpf-nav-tab vpf-active\">Panel<\/span>\n                <span class=\"vpf-nav-tab\">Portafolio<\/span>\n                <span class=\"vpf-nav-tab\">Metas<\/span>\n                <span class=\"vpf-nav-tab\">Cursos<\/span>\n                <span class=\"vpf-nav-tab\">Legado<\/span>\n            <\/div>\n\n            <div class=\"vpf-kanban\">\n                <div class=\"vpf-column\">\n                    <div class=\"vpf-column-title\">\n                        Ahorrar\n                        <span class=\"vpf-column-count\">3<\/span>\n                    <\/div>\n                    <div class=\"vpf-card\">\n                        <strong>Fondo de emergencia<\/strong>\n                        S\/ 5,000 \/ S\/ 8,000\n                        <div class=\"vpf-meta\">62% completado<\/div>\n                    <\/div>\n                    <div class=\"vpf-card\">\n                        <strong>Educaci\u00f3n hijos<\/strong>\n                        S\/ 2,400 \/ S\/ 20,000\n                        <div class=\"vpf-meta\">12% completado<\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"vpf-column\">\n                    <div class=\"vpf-column-title\">\n                        Invertir\n                        <span class=\"vpf-column-count\">4<\/span>\n                    <\/div>\n                    <div class=\"vpf-card vpf-card-teal\">\n                        <strong>Portafolio conservador<\/strong>\n                        S\/ 8,000 invertidos\n                        <div class=\"vpf-meta\">Rendimiento: +6.2% anual<\/div>\n                        <span class=\"vpf-tag vpf-tag-teal\">Activo<\/span>\n                    <\/div>\n                <\/div>\n\n                <div class=\"vpf-column\">\n                    <div class=\"vpf-column-title\">\n                        Metas\n                        <span class=\"vpf-column-count\">3<\/span>\n                    <\/div>\n                    <div class=\"vpf-card vpf-card-orange\">\n                        <strong>Patrimonio S\/ 50K<\/strong>\n                        Alcanzado: S\/ 12,400\n                        <div class=\"vpf-meta\">24% del objetivo<\/div>\n                        <span class=\"vpf-tag vpf-tag-teal\">\u2191 Creciendo<\/span>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"vpf-input-widget\">\n                <span class=\"vpf-input-label\">Patrimonio total:<\/span>\n                <span class=\"vpf-input-text\">S\/ 12,400 \u00b7 +8% este mes<\/span>\n            <\/div>\n        <\/div>\n    <\/section>\n<\/div>\n\n<script>\n    (function() {\n        const widget = document.getElementById('vperch-patrim-features');\n        if (!widget) return;\n        const items = widget.querySelectorAll('.vpf-item');\n        function closeItem(item) {\n            const btn = item.querySelector('.vpf-trigger');\n            const content = item.querySelector('.vpf-content');\n            btn.classList.remove('vpf-active');\n            btn.setAttribute('aria-expanded', 'false');\n            content.classList.remove('vpf-open');\n        }\n        function openItem(item) {\n            const btn = item.querySelector('.vpf-trigger');\n            const content = item.querySelector('.vpf-content');\n            btn.classList.add('vpf-active');\n            btn.setAttribute('aria-expanded', 'true');\n            content.classList.add('vpf-open');\n        }\n        widget.querySelectorAll('.vpf-trigger').forEach(btn => {\n            btn.addEventListener('click', function() {\n                const item = this.closest('.vpf-item');\n                const isActive = this.classList.contains('vpf-active');\n                items.forEach(other => { if (other !== item) closeItem(other); });\n                if (isActive) closeItem(item);\n                else openItem(item);\n            });\n            btn.addEventListener('keydown', function(e) {\n                if (e.key === 'Enter' || e.key === ' ') { e.preventDefault(); this.click(); }\n            });\n        });\n    })();\n<\/script>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Carga de Fuentes -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n    \/* Contenedor Aislado - Patrimonio Y Educaci\u00f3n Planner *\/\n    #vpf-planner {\n        --vpp-navy: #0b1f3a;\n        --vpp-emerald: #059669;\n        --vpp-emerald-dark: #047857;\n        --vpp-emerald-light: #d1fae5;\n        --vpp-teal: #0891b2;\n        --vpp-charcoal: #4b5563;\n        --vpp-white: #ffffff;\n        --vpp-off-white: #f8fafc;\n        --vpp-gray-100: #f1f5f9;\n        --vpp-gray-200: #e2e8f0;\n        --vpp-orange: #f59e0b;\n        --vpp-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n        --vpp-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n        --vpp-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.16);\n        --vpp-radius-sm: 8px;\n        --vpp-radius-md: 12px;\n        --vpp-radius-lg: 18px;\n        --vpp-transition: 0.3s ease;\n\n        font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n        background-color: var(--vpp-white);\n        color: var(--vpp-charcoal);\n        line-height: 1.6;\n        -webkit-font-smoothing: antialiased;\n        margin: 0 auto;\n        width: 100%;\n        box-sizing: border-box;\n    }\n    #vpf-planner *, #vpf-planner *::before, #vpf-planner *::after {\n        margin: 0; padding: 0; box-sizing: border-box;\n    }\n    #vpf-planner h1, #vpf-planner h2, #vpf-planner p { margin-top: 0; background: transparent; border: none; }\n    #vpf-planner button { font-family: inherit; background: none; border: none; cursor: pointer; outline: none; }\n\n    #vpf-planner .vpp-section {\n        max-width: 1200px;\n        margin: 0 auto;\n        padding: 80px 24px;\n        display: flex;\n        flex-direction: column;\n        gap: 80px;\n    }\n    #vpf-planner .vpp-header {\n        text-align: center;\n        max-width: 900px;\n        margin: 0 auto;\n    }\n    #vpf-planner .vpp-header h2 {\n        font-size: clamp(1.75rem, 4vw, 2.75rem);\n        font-weight: 800;\n        color: var(--vpp-navy);\n        letter-spacing: -0.025em;\n        line-height: 1.2;\n        margin-bottom: 16px;\n    }\n    #vpf-planner .vpp-header p {\n        font-size: 1.05rem;\n        color: var(--vpp-charcoal);\n        line-height: 1.7;\n        max-width: 720px;\n        margin: 0 auto;\n    }\n\n    #vpf-planner .vpp-row {\n        display: grid;\n        grid-template-columns: 1fr 1fr;\n        gap: 56px;\n        align-items: center;\n    }\n    #vpf-planner .vpp-row-reverse { direction: rtl; }\n    #vpf-planner .vpp-row-reverse > * { direction: ltr; }\n\n    #vpf-planner .vpp-text h3 {\n        font-size: clamp(1.4rem, 2.5vw, 1.85rem);\n        font-weight: 800;\n        color: var(--vpp-navy);\n        letter-spacing: -0.02em;\n        line-height: 1.25;\n        margin-bottom: 16px;\n    }\n    #vpf-planner .vpp-text p {\n        font-size: 1.05rem;\n        color: var(--vpp-charcoal);\n        line-height: 1.7;\n    }\n\n    #vpf-planner .vpp-visual {\n        position: relative;\n        background: linear-gradient(145deg, var(--vpp-emerald-light) 0%, #6ee7b7 100%);\n        border-radius: var(--vpp-radius-lg);\n        padding: 24px;\n        min-height: 400px;\n        display: flex;\n        align-items: center;\n        justify-content: center;\n        box-shadow: var(--vpp-shadow-md);\n        overflow: hidden;\n    }\n\n    @keyframes vppFloat {\n        0% { transform: translateY(0); }\n        100% { transform: translateY(-8px); }\n    }\n\n    #vpf-planner .vpp-heatmap-card {\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-md);\n        box-shadow: var(--vpp-shadow-lg);\n        padding: 16px;\n        width: 100%;\n        max-width: 380px;\n        position: relative;\n        z-index: 2;\n        animation: vppFloat 5s ease-in-out infinite alternate;\n    }\n    #vpf-planner .vpp-heatmap-title {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        margin-bottom: 12px;\n        font-size: 0.85rem;\n    }\n    #vpf-planner .vpp-heatmap-grid {\n        display: grid;\n        grid-template-columns: 40px repeat(6, 1fr);\n        gap: 3px;\n    }\n    #vpf-planner .vpp-label {\n        font-size: 0.55rem;\n        color: #94a3b8;\n        font-weight: 700;\n        display: flex;\n        align-items: center;\n    }\n    #vpf-planner .vpp-cell {\n        aspect-ratio: 1;\n        background: var(--vpp-emerald-light);\n        border-radius: 2px;\n    }\n    #vpf-planner .vpp-cell.vpp-high { background: var(--vpp-emerald); }\n    #vpf-planner .vpp-cell.vpp-medium { background: #34d399; }\n    #vpf-planner .vpp-cell.vpp-low { background: var(--vpp-emerald-light); }\n\n    #vpf-planner .vpp-best-time {\n        position: absolute;\n        top: 10%;\n        right: -15px;\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-md);\n        box-shadow: var(--vpp-shadow-lg);\n        padding: 14px 16px;\n        z-index: 5;\n        width: 180px;\n        animation: vppFloat 4s ease-in-out infinite alternate;\n    }\n    #vpf-planner .vpp-best-time .vpp-best-title {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        margin-bottom: 8px;\n        font-size: 0.8rem;\n    }\n    #vpf-planner .vpp-best-time ul {\n        list-style: none;\n        padding: 0;\n        display: flex;\n        flex-direction: column;\n        gap: 6px;\n    }\n    #vpf-planner .vpp-best-time li {\n        font-size: 0.72rem;\n        color: var(--vpp-charcoal);\n        font-weight: 600;\n        cursor: pointer;\n        transition: color 0.2s;\n    }\n    #vpf-planner .vpp-best-time li:hover { color: var(--vpp-emerald); }\n\n    #vpf-planner .vpp-schedule {\n        position: absolute;\n        bottom: 10%;\n        right: 10%;\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-sm);\n        box-shadow: var(--vpp-shadow-md);\n        padding: 10px 14px;\n        z-index: 5;\n        display: flex;\n        align-items: center;\n        gap: 10px;\n        animation: vppFloat 4s ease-in-out infinite alternate-reverse;\n    }\n    #vpf-planner .vpp-schedule .vpp-check {\n        color: var(--vpp-emerald);\n        font-weight: 800;\n        font-size: 1.2rem;\n    }\n    #vpf-planner .vpp-schedule .vpp-info {\n        font-size: 0.72rem;\n        color: var(--vpp-charcoal);\n        font-weight: 600;\n    }\n    #vpf-planner .vpp-schedule .vpp-info .vpp-bold {\n        font-weight: 800;\n        color: var(--vpp-navy);\n        display: block;\n        font-size: 0.78rem;\n    }\n    #vpf-planner .vpp-schedule .vpp-link {\n        color: var(--vpp-emerald);\n        text-decoration: underline;\n        font-size: 0.65rem;\n        font-weight: 700;\n        cursor: pointer;\n    }\n\n    #vpf-planner .vpp-design-card {\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-md);\n        box-shadow: var(--vpp-shadow-lg);\n        padding: 16px;\n        width: 100%;\n        max-width: 420px;\n        position: relative;\n        z-index: 2;\n        animation: vppFloat 5s ease-in-out infinite alternate;\n    }\n    #vpf-planner .vpp-free-badge {\n        display: inline-block;\n        background: var(--vpp-white);\n        border-radius: 50px;\n        box-shadow: var(--vpp-shadow-sm);\n        padding: 4px 12px;\n        font-size: 0.72rem;\n        font-weight: 800;\n        color: var(--vpp-navy);\n        margin-bottom: 12px;\n    }\n    #vpf-planner .vpp-apps {\n        display: flex;\n        gap: 12px;\n        margin-bottom: 16px;\n        align-items: center;\n    }\n    #vpf-planner .vpp-app {\n        width: 36px;\n        height: 36px;\n        border-radius: 50%;\n        display: flex;\n        align-items: center;\n        justify-content: center;\n        font-weight: 800;\n        font-size: 1rem;\n        box-shadow: var(--vpp-shadow-sm);\n        cursor: pointer;\n    }\n    #vpf-planner .vpp-app.vpp-app-emerald { background: var(--vpp-emerald); color: white; }\n    #vpf-planner .vpp-app.vpp-app-teal { background: var(--vpp-teal); color: white; }\n    #vpf-planner .vpp-app.vpp-app-dark { background: #333; color: white; }\n\n    #vpf-planner .vpp-search-box {\n        background: var(--vpp-off-white);\n        border-radius: var(--vpp-radius-sm);\n        padding: 10px;\n        margin-bottom: 8px;\n    }\n    #vpf-planner .vpp-search-input {\n        background: var(--vpp-white);\n        border: 1px solid var(--vpp-gray-200);\n        border-radius: 4px;\n        padding: 6px 10px;\n        font-size: 0.72rem;\n        color: #94a3b8;\n        margin-bottom: 8px;\n    }\n    #vpf-planner .vpp-template-list {\n        list-style: none;\n        padding: 0;\n        display: flex;\n        flex-direction: column;\n        gap: 4px;\n    }\n    #vpf-planner .vpp-template-list li {\n        font-size: 0.68rem;\n        color: var(--vpp-charcoal);\n        padding: 3px 0;\n        font-weight: 600;\n    }\n\n    #vpf-planner .vpp-preview {\n        background: var(--vpp-white);\n        border-radius: var(--vpp-radius-sm);\n        box-shadow: var(--vpp-shadow-md);\n        padding: 10px;\n        display: flex;\n        gap: 10px;\n        align-items: center;\n        position: absolute;\n        right: -10px;\n        top: 40%;\n        width: 180px;\n        animation: vppFloat 4s ease-in-out infinite alternate-reverse;\n    }\n    #vpf-planner .vpp-preview .vpp-preview-img {\n        width: 50px;\n        height: 50px;\n        background: linear-gradient(135deg, var(--vpp-emerald), var(--vpp-navy));\n        border-radius: 6px;\n        display: flex;\n        align-items: center;\n        justify-content: center;\n        font-size: 1.5rem;\n        flex-shrink: 0;\n    }\n    #vpf-planner .vpp-preview .vpp-preview-text {\n        font-size: 0.6rem;\n        color: var(--vpp-charcoal);\n        line-height: 1.3;\n    }\n    #vpf-planner .vpp-preview .vpp-preview-text strong {\n        display: block;\n        color: var(--vpp-navy);\n        font-size: 0.68rem;\n        margin-bottom: 3px;\n    }\n    #vpf-planner .vpp-preview .vpp-preview-tag {\n        background: var(--vpp-emerald);\n        color: white;\n        font-size: 0.5rem;\n        padding: 1px 5px;\n        border-radius: 3px;\n        font-weight: 800;\n        display: inline-block;\n        margin-top: 3px;\n    }\n\n    @media (max-width: 992px) {\n        #vpf-planner .vpp-row {\n            grid-template-columns: 1fr;\n            gap: 40px;\n        }\n        #vpf-planner .vpp-row-reverse { direction: ltr; }\n        #vpf-planner .vpp-visual { max-width: 600px; margin: 0 auto; }\n    }\n    @media (max-width: 600px) {\n        #vpf-planner .vpp-section { padding: 48px 16px; gap: 56px; }\n        #vpf-planner .vpp-visual { padding: 16px; min-height: 340px; }\n        #vpf-planner .vpp-heatmap-grid { grid-template-columns: 30px repeat(5, 1fr); }\n        #vpf-planner .vpp-best-time { right: 0; width: 150px; padding: 10px; }\n        #vpf-planner .vpp-preview { width: 140px; right: 0; }\n    }\n    @media (prefers-reduced-motion: reduce) {\n        #vpf-planner .vpp-heatmap-card,\n        #vpf-planner .vpp-best-time,\n        #vpf-planner .vpp-schedule,\n        #vpf-planner .vpp-design-card,\n        #vpf-planner .vpp-preview { animation: none; }\n    }\n<\/style>\n\n<div id=\"vpf-planner\">\n    <section class=\"vpp-section\" aria-label=\"Patrimonio Y Educaci\u00f3n - Planner\">\n\n        <div class=\"vpp-header\">\n            <h2>Planifica, invierte y aprende, todo en un solo lugar.<\/h2>\n            <p>Descubre cu\u00e1nto puedes ahorrar cada mes, dise\u00f1a tu portafolio de inversi\u00f3n y aprende a hacer crecer tu dinero. Valora combina asesor\u00eda, educaci\u00f3n y seguimiento patrimonial en un solo acompa\u00f1amiento.<\/p>\n        <\/div>\n\n        <div class=\"vpp-row\">\n            <div class=\"vpp-text\">\n                <h3>Aumenta tu patrimonio invirtiendo en el momento adecuado.<\/h3>\n                <p>Descubre los meses en los que puedes ahorrar m\u00e1s y programa tus aportes para esas fechas. Consulta nuestros mapas de calor que muestran tu mejor momento para invertir y maximiza el rendimiento de tu portafolio.<\/p>\n            <\/div>\n            <div class=\"vpp-visual\">\n                <div class=\"vpp-heatmap-card\">\n                    <div class=\"vpp-heatmap-title\">Ahorro proyectado por mes<\/div>\n                    <div class=\"vpp-heatmap-grid\">\n                        <div class=\"vpp-label\"><\/div>\n                        <div class=\"vpp-label\">Ene<\/div>\n                        <div class=\"vpp-label\">Mar<\/div>\n                        <div class=\"vpp-label\">May<\/div>\n                        <div class=\"vpp-label\">Jul<\/div>\n                        <div class=\"vpp-label\">Sep<\/div>\n                        <div class=\"vpp-label\">Nov<\/div>\n\n                        <div class=\"vpp-label\">Sem 1<\/div>\n                        <div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-high\"><\/div>\n                        <div class=\"vpp-label\">Sem 2<\/div>\n                        <div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-high\"><\/div>\n                        <div class=\"vpp-label\">Sem 3<\/div>\n                        <div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-high\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-high\"><\/div>\n                        <div class=\"vpp-label\">Sem 4<\/div>\n                        <div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div><div class=\"vpp-cell vpp-low\"><\/div><div class=\"vpp-cell vpp-medium\"><\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"vpp-best-time\">\n                    <div class=\"vpp-best-title\">Objetivos activos<\/div>\n                    <ul>\n                        <li>Fondo de emergencia<\/li>\n                        <li>Educaci\u00f3n hijos<\/li>\n                        <li>Inversi\u00f3n a largo plazo<\/li>\n                        <li>Jubilaci\u00f3n<\/li>\n                    <\/ul>\n                <\/div>\n                <div class=\"vpp-schedule\">\n                    <span class=\"vpp-check\">\u2713<\/span>\n                    <div class=\"vpp-info\">\n                        <span class=\"vpp-bold\">S\/ 500 \/ mes<\/span>\n                        <span>Aporte autom\u00e1tico<\/span>\n                    <\/div>\n                    <span class=\"vpp-link\">Programar aporte<\/span>\n                <\/div>\n            <\/div>\n        <\/div>\n\n        <div class=\"vpp-row vpp-row-reverse\">\n            <div class=\"vpp-text\">\n                <h3>Planifica y crea tu portafolio en segundos.<\/h3>\n                <p>Accede a plantillas de portafolio, herramientas de c\u00e1lculo de rendimiento y gu\u00edas de inversi\u00f3n. Dise\u00f1a tu estrategia seg\u00fan tu perfil de riesgo y aprende a rebalancear tu cartera con un clic.<\/p>\n            <\/div>\n            <div class=\"vpp-visual\">\n                <div class=\"vpp-design-card\">\n                    <span class=\"vpp-free-badge\">\ud83d\udc8e Herramientas incluidas<\/span>\n                    <div class=\"vpp-apps\">\n                        <span class=\"vpp-app vpp-app-emerald\">\ud83d\udcc8<\/span>\n                        <span class=\"vpp-app vpp-app-teal\">\ud83d\udc8e<\/span>\n                        <span class=\"vpp-app vpp-app-dark\">+<\/span>\n                    <\/div>\n                    <div class=\"vpp-search-box\">\n                        <div class=\"vpp-search-input\">Buscar herramienta&#8230;<\/div>\n                        <ul class=\"vpp-template-list\">\n                            <li>\ud83d\udcca Calculadora de rendimiento<\/li>\n                            <li>\ud83d\udcbc Plantilla de portafolio diversificado<\/li>\n                            <li>\ud83c\udf93 Curso: Inversi\u00f3n para principiantes<\/li>\n                            <li>\ud83d\udcc8 Reporte mensual patrimonial<\/li>\n                        <\/ul>\n                    <\/div>\n                <\/div>\n                <div class=\"vpp-preview\">\n                    <div class=\"vpp-preview-img\">\ud83d\udc8e<\/div>\n                    <div class=\"vpp-preview-text\">\n                        <strong>Patrimonio actual<\/strong>\n                        S\/ 12,400\n                        <span class=\"vpp-preview-tag\">+8% mes<\/span>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n    <\/section>\n<\/div>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Carga de Fuentes -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n    \/* Contenedor Aislado - Patrimonio Y Educaci\u00f3n FAQ *\/\n    #vpfq-widget {\n        --vpfq-navy: #0b1f3a;\n        --vpfq-emerald: #059669;\n        --vpfq-charcoal: #4b5563;\n        --vpfq-white: #ffffff;\n        --vpfq-light-gray: #e2e8f0;\n        --vpfq-transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);\n\n        font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n        background-color: var(--vpfq-white);\n        color: var(--vpfq-charcoal);\n        line-height: 1.6;\n        -webkit-font-smoothing: antialiased;\n        margin: 0 auto;\n        width: 100%;\n        box-sizing: border-box;\n    }\n    #vpfq-widget *, #vpfq-widget *::before, #vpfq-widget *::after {\n        margin: 0; 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font-weight: 700; }\n\n    @media (max-width: 600px) {\n        #vpfq-widget .vpfq-section { padding: 48px 16px; }\n        #vpfq-widget .vpfq-question { font-size: 0.98rem; padding: 18px 0; }\n    }\n    @media (prefers-reduced-motion: reduce) {\n        #vpfq-widget .vpfq-chevron, #vpfq-widget .vpfq-answer { transition: none; }\n    }\n<\/style>\n\n<div id=\"vpfq-widget\">\n    <section class=\"vpfq-section\" aria-labelledby=\"vpfq-heading\">\n        <h2 id=\"vpfq-heading\" class=\"vpfq-header\">Preguntas frecuentes<\/h2>\n        <div class=\"vpfq-list\" id=\"vpfq-list\"><\/div>\n    <\/section>\n<\/div>\n\n<script>\n    (function() {\n        const vpfqData = [\n            {\n                question: \"\u00bfQu\u00e9 es el servicio de Patrimonio Y Educaci\u00f3n?\",\n                answer: \"Es nuestro programa de <strong>asesor\u00eda de inversiones y educaci\u00f3n financiera continua<\/strong>. Dise\u00f1amos tu portafolio seg\u00fan tu perfil de riesgo, te ense\u00f1amos a invertir y te acompa\u00f1amos en la construcci\u00f3n de tu patrimonio a largo plazo.\"\n            },\n            {\n                question: \"\u00bfCu\u00e1nto cuesta la asesor\u00eda patrimonial?\",\n                answer: \"Cobramos una comisi\u00f3n anual del <strong>3% sobre el patrimonio asesorado<\/strong>. No cobramos por apertura, ni por consultas, ni por rebalanceos. Si tu patrimonio crece, nosotros crecemos contigo.\"\n            },\n            {\n                question: \"\u00bfCu\u00e1l es el monto m\u00ednimo para empezar a invertir?\",\n                answer: \"Puedes empezar con <strong>S\/ 500 mensuales de ahorro autom\u00e1tico<\/strong>. No necesitas un gran capital inicial \u2014 te ense\u00f1amos a construir patrimonio desde el ahorro sistem\u00e1tico.\"\n            },\n            {\n                question: \"\u00bfEn qu\u00e9 puedo invertir con Valora?\",\n                answer: \"Trabajamos con <strong>fondos mutuos, dep\u00f3sitos a plazo, bonos del gobierno y corporativos, ETFs y acciones locales e internacionales<\/strong>. Tu portafolio se diversifica seg\u00fan tu perfil y objetivos.\"\n            },\n            {\n                question: \"\u00bfQu\u00e9 pasa si no s\u00e9 nada de inversiones?\",\n                answer: \"No importa. La <strong>educaci\u00f3n financiera es parte central del programa<\/strong>. Recibes acceso a cursos, webinars y asesor\u00eda personalizada. Aprender\u00e1s desde cero: qu\u00e9 es un fondo mutuo, c\u00f3mo se calcula el rendimiento, c\u00f3mo diversificar y c\u00f3mo evitar estafas.\"\n            },\n            {\n                question: \"\u00bfCu\u00e1nto puedo ganar invirtiendo con Valora?\",\n                answer: \"Depende de tu perfil de riesgo y horizonte de tiempo. Un portafolio conservador rinde t\u00edpicamente <strong>6-8% anual<\/strong>; uno moderado, <strong>8-12%<\/strong>; y uno agresivo, <strong>12-18%<\/strong>. Te mostramos proyecciones realistas, no promesas infladas.\"\n            },\n            {\n                question: \"\u00bfPuedo retirar mi dinero cuando quiera?\",\n                answer: \"S\u00ed. La mayor\u00eda de instrumentos tienen liquidez diaria o semanal. Te explicamos claramente los plazos de cada producto antes de invertir para que puedas planificar tus retiros sin sorpresas.\"\n            },\n            {\n                question: \"\u00bfQu\u00e9 es la planificaci\u00f3n del legado familiar?\",\n                answer: \"Es la fase final: te ayudamos con <strong>testamentos, seguros de vida, estructuraci\u00f3n patrimonial y planificaci\u00f3n sucesoria<\/strong> para que tu patrimonio pase a tus hijos de forma ordenada y sin conflictos legales.\"\n            }\n        ];\n\n        const list = document.querySelector('#vpfq-widget #vpfq-list');\n        if (!list) return;\n\n        vpfqData.forEach(item => {\n            const itemDiv = document.createElement('div');\n            itemDiv.className = 'vpfq-item';\n            const btn = document.createElement('button');\n            btn.className = 'vpfq-question';\n            btn.setAttribute('aria-expanded', 'false');\n            btn.innerHTML = `<span>${item.question}<\/span><span class=\"vpfq-chevron\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M7.41 8.59L12 13.17l4.59-4.58L18 10l-6 6-6-6 1.41-1.41z\"\/><\/svg><\/span>`;\n            const answerDiv = document.createElement('div');\n            answerDiv.className = 'vpfq-answer';\n            answerDiv.innerHTML = `<div class=\"vpfq-answer-inner\">${item.answer}<\/div>`;\n            itemDiv.appendChild(btn);\n            itemDiv.appendChild(answerDiv);\n            list.appendChild(itemDiv);\n        });\n\n        const items = document.querySelectorAll('#vpfq-widget .vpfq-item');\n        function closeItem(item) {\n            const btn = item.querySelector('.vpfq-question');\n            const ans = item.querySelector('.vpfq-answer');\n            btn.classList.remove('vpfq-active');\n            btn.setAttribute('aria-expanded', 'false');\n            ans.classList.remove('vpfq-open');\n        }\n        function openItem(item) {\n            const btn = item.querySelector('.vpfq-question');\n            const ans = item.querySelector('.vpfq-answer');\n            btn.classList.add('vpfq-active');\n            btn.setAttribute('aria-expanded', 'true');\n            ans.classList.add('vpfq-open');\n        }\n        document.querySelectorAll('#vpfq-widget .vpfq-question').forEach(btn => {\n            btn.addEventListener('click', function() {\n                const item = this.closest('.vpfq-item');\n                const isActive = this.classList.contains('vpfq-active');\n                items.forEach(other => { if (other !== item) closeItem(other); });\n                if (isActive) closeItem(item);\n                else openItem(item);\n            });\n        });\n    })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Plan patrimonial \u276e Nov 4-8, 2026 \u276f Lun 4 \ud83d\udcb0Ahorro S\/ 500 Mar 5 \ud83d\udcc8Invertir Portafolio \ud83c\udf93Curso M\u00f3dulo 4 Mi\u00e9 6 \ud83c\udfafMeta S\/ 15K Jue 7 \ud83d\udccaRevisar Portafolio Vie 8 \ud83c\udf31Rebalancear Inversi\u00f3n Mi patrimonio Ahorro acumulado S\/ 12,400 \u25b2 +8% este mes Portafolio activo 4 \u25b2 +2 este trimestre Metas activas 3 \ud83c\udf93 Educaci\u00f3n al [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":""},"class_list":["post-121","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/121","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=121"}],"version-history":[{"count":7,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/121\/revisions"}],"predecessor-version":[{"id":516,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/121\/revisions\/516"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=121"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}