{"id":19,"date":"2026-07-16T22:41:00","date_gmt":"2026-07-16T22:41:00","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=19"},"modified":"2026-09-16T02:44:09","modified_gmt":"2026-09-16T02:44:09","slug":"por-que-valora-patrimonial","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=19","title":{"rendered":"\u00bfPor qu\u00e9 Valora Patrimonial?"},"content":{"rendered":"\n<!-- Font Awesome -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora Benefits -->\n<div id=\"vb-widget-container\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Benefits\n           ========================================= *\/\n        #vb-widget-container {\n            font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif;\n            background-color: #f8fafc;\n            padding: 2rem 1rem;\n            width: 100%;\n            box-sizing: border-box;\n            display: flex;\n            justify-content: center;\n        }\n\n        #vb-widget-container *,\n        #vb-widget-container *::before,\n        #vb-widget-container *::after {\n            box-sizing: inherit;\n            margin: 0;\n            padding: 0;\n        }\n\n        \/* --- ANIMACIONES --- *\/\n        @keyframes vbFloat {\n            0% { transform: translateY(0px); }\n            50% { transform: translateY(-10px); }\n            100% { transform: translateY(0px); }\n        }\n\n        \/* --- CARD PRINCIPAL --- *\/\n        #vb-widget-container .vb-card {\n            width: 100%;\n            max-width: 80rem;\n            background-color: #ffffff;\n            border-radius: 1.5rem;\n            box-shadow: 0 20px 25px -5px rgba(11, 31, 58, 0.08), 0 8px 10px -6px rgba(11, 31, 58, 0.06);\n            overflow: hidden;\n            display: flex;\n            flex-direction: column;\n            position: relative;\n        }\n        @media (min-width: 1024px) {\n            #vb-widget-container .vb-card { flex-direction: row; }\n        }\n\n        \/* --- COLUMNA IZQUIERDA (Visual) --- *\/\n        #vb-widget-container .vb-left-col {\n            width: 100%;\n            background-color: #ffffff;\n            padding: 2rem;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            position: relative;\n            min-height: 500px;\n        }\n        @media (min-width: 1024px) {\n            #vb-widget-container .vb-left-col { width: 45%; padding: 3rem; }\n        }\n\n        \/* Cuadrado base (antes verde, ahora azul claro corporativo) *\/\n        #vb-widget-container .vb-visual-base {\n            position: relative;\n            width: 100%;\n            max-width: 28rem;\n            aspect-ratio: 1 \/ 1;\n            background-color: #dbeafe; \/* blue-100 *\/\n            border-radius: 1.5rem;\n            box-shadow: inset 0 2px 4px 0 rgba(0, 0, 0, 0.06);\n        }\n\n        \/* Borde trasero desfasado *\/\n        #vb-widget-container .vb-border-frame {\n            position: absolute;\n            bottom: -1rem;\n            right: -1rem;\n            left: -1rem;\n            height: 100%;\n            border: 4px solid #0b1f3a; \/* azul Valora *\/\n            border-radius: 1.5rem;\n            z-index: 0;\n            pointer-events: none;\n        }\n\n        \/* Badge superior (escudo) *\/\n        #vb-widget-container .vb-badge-top {\n            position: absolute;\n            top: -1.5rem;\n            left: -1.5rem;\n            width: 4rem;\n            height: 4rem;\n            background-color: #1a4f8a;\n            border-radius: 50%;\n            display: flex; align-items: center; justify-content: center;\n            box-shadow: 0 10px 15px -3px rgba(11, 31, 58, 0.25);\n            z-index: 20;\n            border: 4px solid #ffffff;\n        }\n        #vb-widget-container .vb-badge-top i { color: #ffffff; font-size: 1.5rem; }\n\n        \/* Badge lateral (S\/ de soles) *\/\n        #vb-widget-container .vb-badge-side {\n            position: absolute;\n            top: 50%;\n            left: -2rem;\n            transform: translateY(-50%);\n            width: 3.5rem;\n            height: 3.5rem;\n            background-color: #0b1f3a;\n            border-radius: 50%;\n            display: flex; align-items: center; justify-content: center;\n            box-shadow: 0 10px 15px -3px rgba(11, 31, 58, 0.25);\n            z-index: 20;\n            border: 4px solid #ffffff;\n        }\n        #vb-widget-container .vb-badge-side span { color: #ffffff; font-weight: 800; font-size: 1.25rem; }\n\n        \/* Imagen principal *\/\n        #vb-widget-container .vb-main-img-wrap {\n            position: absolute;\n            bottom: 0;\n            left: 50%;\n            transform: translateX(-50%);\n            width: 75%;\n            z-index: 10;\n        }\n        #vb-widget-container .vb-main-img {\n            width: 100%;\n            height: auto;\n            object-fit: contain;\n            filter: drop-shadow(0 20px 13px rgba(11, 31, 58, 0.05)) drop-shadow(0 8px 5px rgba(11, 31, 58, 0.08));\n            border-top-left-radius: 1rem;\n            border-top-right-radius: 1rem;\n        }\n\n        \/* Widget flotante: gr\u00e1fico de barras *\/\n        #vb-widget-container .vb-widget-chart {\n            position: absolute;\n            top: 2.5rem;\n            right: -1.25rem;\n            width: 10rem;\n            background-color: #ffffff;\n            border-radius: 0.75rem;\n            box-shadow: 0 20px 25px -5px rgba(11, 31, 58, 0.12);\n            padding: 1rem;\n            z-index: 30;\n            border: 1px solid #f3f4f6;\n            animation: vbFloat 5s ease-in-out infinite;\n        }\n        @media (min-width: 1024px) { #vb-widget-container .vb-widget-chart { right: -2.5rem; } }\n\n        #vb-widget-container .vb-chart-bars { display: flex; align-items: flex-end; gap: 0.5rem; height: 4rem; margin-bottom: 0.5rem; }\n        #vb-widget-container .vb-bar { width: 33.333%; border-top-left-radius: 0.25rem; border-top-right-radius: 0.25rem; }\n        \/* Barras: antes rojas\/azules, ahora tonos de azul corporativo *\/\n        #vb-widget-container .vb-bar-1 { background-color: #93c5fd; height: 33.333%; }\n        #vb-widget-container .vb-bar-2 { background-color: #3b82f6; height: 50%; }\n        #vb-widget-container .vb-bar-3 { background-color: #0b1f3a; height: 100%; }\n        \n        #vb-widget-container .vb-chart-lines { display: flex; flex-direction: column; gap: 0.25rem; }\n        #vb-widget-container .vb-line { height: 0.25rem; background-color: #e5e7eb; border-radius: 0.125rem; }\n        #vb-widget-container .vb-line-full { width: 100%; }\n        #vb-widget-container .vb-line-part { width: 66.666%; }\n\n        \/* Widget flotante: proyecci\u00f3n (antes coraz\u00f3n) *\/\n        #vb-widget-container .vb-widget-projection {\n            position: absolute;\n            bottom: 5rem;\n            right: -0.625rem;\n            width: 9rem;\n            background-color: #ffffff;\n            border-radius: 0.75rem;\n            box-shadow: 0 20px 25px -5px rgba(11, 31, 58, 0.12);\n            padding: 0.75rem;\n            z-index: 30;\n            border: 1px solid #f3f4f6;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            animation: vbFloat 4s ease-in-out infinite;\n            animation-delay: 1s;\n        }\n        @media (min-width: 1024px) { #vb-widget-container .vb-widget-projection { right: -1.25rem; } }\n        #vb-widget-container .vb-widget-projection i { color: #1a4f8a; font-size: 1.5rem; margin-bottom: 0.25rem; }\n        #vb-widget-container .vb-widget-projection span { color: #0b1f3a; font-weight: 800; font-size: 1.05rem; }\n        #vb-widget-container .vb-widget-projection small { color: #6b7280; font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.05em; margin-top: 0.15rem; }\n\n        \/* --- COLUMNA DERECHA (Texto y CTA) --- *\/\n        #vb-widget-container .vb-right-col {\n            width: 100%;\n            padding: 2rem;\n            display: flex;\n            flex-direction: column;\n            justify-content: center;\n            align-items: flex-start;\n            background-color: #ffffff;\n        }\n        @media (min-width: 1024px) {\n            #vb-widget-container .vb-right-col { width: 55%; padding: 4rem; }\n        }\n\n        #vb-widget-container .vb-title {\n            font-size: 2.25rem;\n            font-weight: 800;\n            color: #0b1f3a;\n            line-height: 1.15;\n            margin-bottom: 1.5rem;\n            letter-spacing: -0.02em;\n        }\n        @media (min-width: 1024px) { #vb-widget-container .vb-title { font-size: 3rem; } }\n        @media (min-width: 1280px) { #vb-widget-container .vb-title { font-size: 3.5rem; } }\n        #vb-widget-container .vb-title-highlight { color: #1a4f8a; display: block; }\n\n        #vb-widget-container .vb-desc {\n            font-size: 1.125rem;\n            color: #4b5563;\n            margin-bottom: 2rem;\n            line-height: 1.625;\n            max-width: 36rem;\n        }\n\n        \/* CTA *\/\n        #vb-widget-container .vb-cta-row {\n            display: flex;\n            flex-direction: column;\n            align-items: flex-start;\n            gap: 1rem;\n            width: 100%;\n        }\n        @media (min-width: 640px) {\n            #vb-widget-container .vb-cta-row { flex-direction: row; align-items: center; gap: 1.5rem; width: auto; }\n        }\n\n        #vb-widget-container .vb-btn-primary {\n            width: 100%;\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            padding: 1rem 2rem;\n            font-size: 1rem;\n            font-weight: 700;\n            color: #ffffff;\n            background-color: #1a4f8a;\n            border-radius: 0.5rem;\n            text-decoration: none;\n            transition: all 0.2s ease;\n            outline: none;\n            border: 2px solid #1a4f8a;\n        }\n        @media (min-width: 640px) { #vb-widget-container .vb-btn-primary { width: auto; } }\n        #vb-widget-container .vb-btn-primary:hover {\n            background-color: #0b1f3a;\n            border-color: #0b1f3a;\n            box-shadow: 0 10px 15px -3px rgba(11, 31, 58, 0.25);\n            transform: translateY(-2px);\n        }\n\n        #vb-widget-container .vb-btn-secondary {\n            color: #1a4f8a;\n            font-weight: 700;\n            text-decoration: underline;\n            text-decoration-thickness: 2px;\n            text-underline-offset: 4px;\n            transition: color 0.3s ease;\n            white-space: nowrap;\n        }\n        #vb-widget-container .vb-btn-secondary:hover { color: #0b1f3a; }\n\n        #vb-widget-container .vb-footer-text {\n            margin-top: 1rem;\n            font-size: 0.8rem;\n            color: #9ca3af;\n        }\n\n        \/* Responsive *\/\n        @media (max-width: 600px) {\n            #vb-widget-container {\n                padding: 1.5rem 0.75rem;\n            }\n            #vb-widget-container .vb-title {\n                font-size: 1.75rem;\n            }\n            #vb-widget-container .vb-desc {\n                font-size: 1rem;\n            }\n            #vb-widget-container .vb-left-col {\n                padding: 1.5rem;\n                min-height: 420px;\n            }\n        }\n    <\/style>\n\n    <!-- HTML Estructurado -->\n    <div class=\"vb-card\">\n        \n        <!-- Bloque Izquierdo: Composici\u00f3n Visual -->\n        <div class=\"vb-left-col\">\n            \n            <div class=\"vb-visual-base\">\n                <!-- Borde trasero desfasado -->\n                <div class=\"vb-border-frame\"><\/div>\n\n                <!-- Badges superior y lateral -->\n                <div class=\"vb-badge-top\">\n                    <i class=\"fa-solid fa-shield-halved\"><\/i>\n                <\/div>\n                <div class=\"vb-badge-side\">\n                    <span>S\/<\/span>\n                <\/div>\n\n                <!-- Imagen principal (reemplaza con la foto del fundador o cliente real) -->\n                <div class=\"vb-main-img-wrap\">\n                    <img decoding=\"async\" src=\"https:\/\/picsum.photos\/id\/1005\/400\/500\" alt=\"Cliente satisfecho Valora Patrimonial\" class=\"vb-main-img\">\n                <\/div>\n\n                <!-- Widget flotante: gr\u00e1fico de barras -->\n                <div class=\"vb-widget-chart\">\n                    <div class=\"vb-chart-bars\">\n                        <div class=\"vb-bar vb-bar-1\"><\/div>\n                        <div class=\"vb-bar vb-bar-2\"><\/div>\n                        <div class=\"vb-bar vb-bar-3\"><\/div>\n                    <\/div>\n                    <div class=\"vb-chart-lines\">\n                        <div class=\"vb-line vb-line-full\"><\/div>\n                        <div class=\"vb-line vb-line-part\"><\/div>\n                    <\/div>\n                <\/div>\n\n                <!-- Widget flotante: proyecci\u00f3n de ingresos -->\n                <div class=\"vb-widget-projection\">\n                    <i class=\"fa-solid fa-chart-line\"><\/i>\n                    <span>S\/ 972K<\/span>\n                    <small>Proyecci\u00f3n A\u00f1o 5<\/small>\n                <\/div>\n\n            <\/div>\n        <\/div>\n\n        <!-- Bloque Derecho: Textos y Botones -->\n        <div class=\"vb-right-col\">\n            \n            <h1 class=\"vb-title\">\n                Beneficios de Valora:<br>\n                <span class=\"vb-title-highlight\">El acompa\u00f1amiento #1 para tu libertad financiera<\/span>\n            <\/h1>\n\n            <p class=\"vb-desc\">\n                Las ventajas son claras: <strong>sal de deudas, reconstruye tu historial crediticio y construye patrimonio<\/strong> con acompa\u00f1amiento profesional de principio a fin.\n            <\/p>\n\n            <div class=\"vb-cta-row\">\n                <a href=\"#diagnostico\" class=\"vb-btn-primary\">\n                    Agenda tu diagn\u00f3stico\n                <\/a>\n                <a href=\"#contacto\" class=\"vb-btn-secondary\">\n                    Habla con un asesor\n                <\/a>\n            <\/div>\n\n            <p class=\"vb-footer-text\">\n                Sin compromiso. Confidencialidad garantizada.\n            <\/p>\n        <\/div>\n    <\/div>\n\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Font Awesome -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora Compare -->\n<div id=\"vc-compare-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Compare\n           ========================================= *\/\n        #vc-compare-widget {\n            font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif;\n            background-color: #f8fafc;\n            padding: 3rem 1rem;\n            width: 100%;\n            box-sizing: border-box;\n            display: flex;\n            justify-content: center;\n        }\n\n        #vc-compare-widget *,\n        #vc-compare-widget *::before,\n        #vc-compare-widget *::after {\n            box-sizing: inherit;\n            margin: 0;\n            padding: 0;\n        }\n\n        \/* --- Animaciones --- *\/\n        #vc-compare-widget .vc-fade-in-up {\n            opacity: 0;\n            transform: translateY(20px);\n            animation: vcFadeInUp 0.8s ease-out forwards;\n        }\n        @keyframes vcFadeInUp {\n            to { opacity: 1; transform: translateY(0); }\n        }\n        #vc-compare-widget .vc-delay-100 { animation-delay: 0.1s; }\n        #vc-compare-widget .vc-delay-200 { animation-delay: 0.2s; }\n\n        \/* --- Contenedor Principal --- *\/\n        #vc-compare-widget .vc-container {\n            width: 100%;\n            max-width: 72rem;\n            margin: 0 auto;\n        }\n\n        \/* --- Encabezado --- *\/\n        #vc-compare-widget .vc-header {\n            text-align: center;\n            margin-bottom: 3rem;\n        }\n\n        #vc-compare-widget .vc-title {\n            font-size: 2.25rem;\n            font-weight: 800;\n            color: #0b1f3a;\n            line-height: 1.2;\n            margin-bottom: 1.5rem;\n            letter-spacing: -0.02em;\n        }\n        @media (min-width: 768px) { #vc-compare-widget .vc-title { font-size: 3rem; } }\n        @media (min-width: 1024px) { #vc-compare-widget .vc-title { font-size: 3.5rem; } }\n\n        #vc-compare-widget .vc-subtitle {\n            font-size: 1.125rem;\n            color: #4b5563;\n            max-width: 48rem;\n            margin: 0 auto;\n            line-height: 1.625;\n        }\n        @media (min-width: 768px) { #vc-compare-widget .vc-subtitle { font-size: 1.2rem; } }\n\n        \/* --- Grid --- *\/\n        #vc-compare-widget .vc-grid {\n            display: grid;\n            grid-template-columns: 1fr;\n            gap: 1.5rem;\n        }\n        @media (min-width: 1024px) {\n            #vc-compare-widget .vc-grid { grid-template-columns: repeat(2, 1fr); gap: 2rem; }\n        }\n\n        \/* --- Tarjetas --- *\/\n        #vc-compare-widget .vc-card {\n            border-radius: 1rem;\n            padding: 2rem;\n            display: flex;\n            flex-direction: column;\n            height: 100%;\n            transition: box-shadow 0.3s ease;\n            position: relative;\n        }\n        @media (min-width: 1024px) { #vc-compare-widget .vc-card { padding: 2.5rem; } }\n\n        #vc-compare-widget .vc-card-header {\n            margin-bottom: 2rem;\n            padding-bottom: 1rem;\n            position: relative;\n            z-index: 10;\n        }\n        \n        #vc-compare-widget .vc-card-title-text {\n            display: flex;\n            align-items: center;\n            gap: 0.75rem;\n            font-size: 1.5rem;\n            font-weight: 700;\n            flex-wrap: wrap;\n        }\n\n        #vc-compare-widget .vc-list {\n            display: flex;\n            flex-direction: column;\n            gap: 1.5rem;\n            flex: 1;\n            list-style: none;\n            position: relative;\n            z-index: 10;\n        }\n\n        #vc-compare-widget .vc-list-item {\n            display: flex;\n            align-items: flex-start;\n            gap: 1rem;\n            padding-top: 1.5rem;\n        }\n        #vc-compare-widget .vc-list-item:first-child {\n            padding-top: 0;\n        }\n\n        #vc-compare-widget .vc-icon-bg {\n            width: 1.5rem;\n            height: 1.5rem;\n            border-radius: 50%;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            flex-shrink: 0;\n            margin-top: 0.25rem;\n        }\n\n        #vc-compare-widget .vc-icon-bg i { font-size: 0.875rem; }\n        \n        #vc-compare-widget .vc-text {\n            font-size: 1rem;\n            line-height: 1.625;\n            transition: color 0.2s ease;\n        }\n\n        \/* ===== Tarjeta Izquierda (SIN Valora) ===== *\/\n        #vc-compare-widget .vc-card-light {\n            background-color: #ffffff;\n            border: 1px solid #e5e7eb;\n            box-shadow: 0 1px 2px 0 rgba(0,0,0,0.05);\n        }\n        #vc-compare-widget .vc-card-light:hover { box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1); }\n        \n        #vc-compare-widget .vc-card-light .vc-card-header { border-bottom: 1px solid #f3f4f6; }\n        #vc-compare-widget .vc-card-light .vc-card-title-text { color: #7f1d1d; \/* rojo oscuro *\/ }\n        #vc-compare-widget .vc-card-light .vc-list-item:not(:first-child) { border-top: 1px solid #f3f4f6; }\n        \n        #vc-compare-widget .vc-card-light .vc-icon-bg { background-color: #fee2e2; }\n        #vc-compare-widget .vc-card-light .vc-icon-bg i { color: #ef4444; }\n        \n        #vc-compare-widget .vc-card-light .vc-text { color: #4b5563; }\n        #vc-compare-widget .vc-card-light .vc-list-item:hover .vc-text { color: #1f2937; }\n\n        \/* ===== Tarjeta Derecha (CON Valora) ===== *\/\n        #vc-compare-widget .vc-card-dark {\n            background-color: #0b1f3a;\n            box-shadow: 0 20px 25px -5px rgba(11, 31, 58, 0.25);\n            overflow: hidden;\n        }\n        #vc-compare-widget .vc-card-dark:hover { box-shadow: 0 25px 50px -12px rgba(11, 31, 58, 0.4); }\n        \n        \/* C\u00edrculo decorativo *\/\n        #vc-compare-widget .vc-blur-bg {\n            position: absolute;\n            top: 0;\n            right: 0;\n            width: 16rem;\n            height: 16rem;\n            background-color: #1a4f8a;\n            border-radius: 50%;\n            mix-blend-mode: multiply;\n            filter: blur(3rem);\n            opacity: 0.5;\n            transform: translate(50%, -50%);\n            z-index: 0;\n            pointer-events: none;\n        }\n\n        #vc-compare-widget .vc-card-dark .vc-card-header { border-bottom: 1px solid rgba(26, 79, 138, 0.5); }\n        #vc-compare-widget .vc-card-dark .vc-card-title-text { color: #ffffff; }\n        #vc-compare-widget .vc-card-dark .vc-list-item:not(:first-child) { border-top: 1px solid rgba(26, 79, 138, 0.5); }\n        \n        #vc-compare-widget .vc-card-dark .vc-icon-bg { background-color: #1a4f8a; }\n        #vc-compare-widget .vc-card-dark .vc-icon-bg i { color: #ffffff; }\n        \n        #vc-compare-widget .vc-card-dark .vc-text { color: #dbeafe; }\n        #vc-compare-widget .vc-card-dark .vc-list-item:hover .vc-text { color: #ffffff; }\n\n        \/* --- Bot\u00f3n CTA --- *\/\n        #vc-compare-widget .vc-btn-wrapper {\n            margin-top: 2.5rem;\n            padding-top: 1.5rem;\n            border-top: 1px solid rgba(26, 79, 138, 0.5);\n            position: relative;\n            z-index: 10;\n        }\n        \n        #vc-compare-widget .vc-btn {\n            display: inline-block;\n            width: 100%;\n            text-align: center;\n            padding: 1rem 2rem;\n            background-color: #ffffff;\n            color: #0b1f3a;\n            font-weight: 700;\n            border-radius: 0.5rem;\n            text-decoration: none;\n            transition: background-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;\n            box-shadow: 0 10px 15px -3px rgba(0,0,0,0.15);\n        }\n        @media (min-width: 640px) {\n            #vc-compare-widget .vc-btn { width: auto; }\n        }\n        #vc-compare-widget .vc-btn:hover { \n            background-color: #f0f7ff; \n            transform: translateY(-2px);\n            box-shadow: 0 15px 25px -5px rgba(0,0,0,0.2);\n        }\n\n        \/* Responsive m\u00f3vil *\/\n        @media (max-width: 600px) {\n            #vc-compare-widget {\n                padding: 2rem 0.75rem;\n            }\n            #vc-compare-widget .vc-title {\n                font-size: 1.75rem;\n            }\n            #vc-compare-widget .vc-subtitle {\n                font-size: 1rem;\n            }\n            #vc-compare-widget .vc-card {\n                padding: 1.5rem;\n            }\n            #vc-compare-widget .vc-card-title-text {\n                font-size: 1.25rem;\n            }\n        }\n    <\/style>\n\n    <!-- HTML Estructurado -->\n    <div class=\"vc-container\">\n        \n        <!-- Bloque Superior -->\n        <div class=\"vc-header vc-fade-in-up\">\n            <h2 class=\"vc-title\">\n                El acompa\u00f1amiento definitivo para<br>transformar tus finanzas\n            <\/h2>\n            <p class=\"vc-subtitle\">\n                Mientras los bancos y estudios jur\u00eddicos se enfocan en una sola parte del problema, nosotros te acompa\u00f1amos desde la deuda hasta la construcci\u00f3n de patrimonio. Este es el contraste real.\n            <\/p>\n        <\/div>\n\n        <!-- Grid Comparativo -->\n        <div class=\"vc-grid\">\n            \n            <!-- Tarjeta Izquierda: SIN Valora -->\n            <div class=\"vc-card vc-card-light vc-fade-in-up vc-delay-100\">\n                <div class=\"vc-card-header\">\n                    <h3 class=\"vc-card-title-text\">\n                        Tu vida sin Valora\n                        <span>\ud83d\ude30 \ud83d\udcc9 \ud83d\udd12<\/span>\n                    <\/h3>\n                <\/div>\n\n                <ul class=\"vc-list\">\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-xmark\"><\/i><\/div>\n                        <p class=\"vc-text\">No sabes cu\u00e1nto debes realmente, a qui\u00e9n le debes ni c\u00f3mo empezar a ordenarte<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-xmark\"><\/i><\/div>\n                        <p class=\"vc-text\">Recibes llamadas de cobranza a toda hora y vives con miedo y estr\u00e9s constante<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-xmark\"><\/i><\/div>\n                        <p class=\"vc-text\">Tu score crediticio est\u00e1 destruido, los bancos no te prestan y no sabes c\u00f3mo reconstruirlo<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-xmark\"><\/i><\/div>\n                        <p class=\"vc-text\">Terminas financi\u00e1ndote con gota a gota o productos m\u00e1s caros que te hunden m\u00e1s<\/p>\n                    <\/li>\n                <\/ul>\n            <\/div>\n\n            <!-- Tarjeta Derecha: CON Valora -->\n            <div class=\"vc-card vc-card-dark vc-fade-in-up vc-delay-200\">\n                <div class=\"vc-blur-bg\"><\/div>\n                \n                <div class=\"vc-card-header\">\n                    <h3 class=\"vc-card-title-text\">\n                        Tu vida con Valora\n                        <span>\ud83d\ude0c \ud83d\udcc8 \ud83c\udfc6<\/span>\n                    <\/h3>\n                <\/div>\n\n                <ul class=\"vc-list\">\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-check\"><\/i><\/div>\n                        <p class=\"vc-text\">Recibes un diagn\u00f3stico claro de todas tus deudas y un plan de acci\u00f3n personalizado para salir<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-check\"><\/i><\/div>\n                        <p class=\"vc-text\">Negociamos con tus acreedores y te acompa\u00f1amos hasta obtener tu carta de no adeudo<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-check\"><\/i><\/div>\n                        <p class=\"vc-text\">Reconstruyes tu historial crediticio, vuelves al sistema financiero y te educas para no recaer<\/p>\n                    <\/li>\n                    <li class=\"vc-list-item\">\n                        <div class=\"vc-icon-bg\"><i class=\"fa-solid fa-check\"><\/i><\/div>\n                        <p class=\"vc-text\">Ahorras, inviertes y construyes patrimonio. Pasas de moroso a inversionista con acompa\u00f1amiento real<\/p>\n                    <\/li>\n                <\/ul>\n                \n                <!-- Bot\u00f3n CTA -->\n                <div class=\"vc-btn-wrapper\">\n                    <a href=\"#diagnostico\" class=\"vc-btn\">\n                        Empieza tu transformaci\u00f3n\n                    <\/a>\n                <\/div>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Font Awesome (opcional, ya usas iconos SVG) -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora Benefits -->\n<div id=\"vben-benefits-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Benefits\n           ========================================= *\/\n        #vben-benefits-widget {\n            font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif;\n            background-color: #ffffff;\n            padding: 3rem 1rem;\n            width: 100%;\n            box-sizing: border-box;\n            display: flex;\n            justify-content: center;\n        }\n\n        #vben-benefits-widget *,\n        #vben-benefits-widget *::before,\n        #vben-benefits-widget *::after {\n            box-sizing: inherit;\n            margin: 0;\n            padding: 0;\n        }\n\n        \/* --- Contenedor Principal --- *\/\n        #vben-benefits-widget .vben-container {\n            width: 100%;\n            max-width: 80rem;\n            margin: 0 auto;\n        }\n\n        \/* --- Encabezado --- *\/\n        #vben-benefits-widget .vben-header {\n            text-align: center;\n            max-width: 56rem;\n            margin: 0 auto 4rem auto;\n        }\n\n        #vben-benefits-widget .vben-title {\n            font-size: 1.875rem;\n            font-weight: 800;\n            color: #0b1f3a;\n            line-height: 1.15;\n            letter-spacing: -0.025em;\n            margin-bottom: 1.5rem;\n        }\n        @media (min-width: 768px) { #vben-benefits-widget .vben-title { font-size: 2.25rem; } }\n        @media (min-width: 1024px) { #vben-benefits-widget .vben-title { font-size: 3rem; } }\n\n        #vben-benefits-widget .vben-br-desktop { display: none; }\n        @media (min-width: 768px) { #vben-benefits-widget .vben-br-desktop { display: inline; } }\n\n        #vben-benefits-widget .vben-subtitle {\n            font-size: 1.125rem;\n            color: #4b5563;\n            line-height: 1.625;\n            max-width: 48rem;\n            margin: 0 auto;\n        }\n        @media (min-width: 768px) { #vben-benefits-widget .vben-subtitle { font-size: 1.2rem; } }\n\n        \/* --- Grid --- *\/\n        #vben-benefits-widget .vben-grid {\n            display: grid;\n            grid-template-columns: 1fr;\n            gap: 3rem;\n        }\n        @media (min-width: 768px) { #vben-benefits-widget .vben-grid { grid-template-columns: repeat(3, 1fr); gap: 2rem; } }\n        @media (min-width: 1024px) { #vben-benefits-widget .vben-grid { gap: 4rem; } }\n\n        \/* --- Tarjeta --- *\/\n        #vben-benefits-widget .vben-card {\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            text-align: center;\n        }\n\n        \/* --- Icono --- *\/\n        #vben-benefits-widget .vben-icon-wrap {\n            width: 5rem;\n            height: 5rem;\n            margin-bottom: 1.5rem;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            position: relative;\n            transition: transform 0.3s ease;\n        }\n        \n        #vben-benefits-widget .vben-card:hover .vben-icon-wrap {\n            transform: scale(1.1);\n        }\n\n        #vben-benefits-widget .vben-icon-svg {\n            width: 100%;\n            height: 100%;\n            filter: drop-shadow(0 1px 2px rgba(0,0,0,0.05));\n        }\n\n        \/* --- Textos --- *\/\n        #vben-benefits-widget .vben-card-title {\n            font-size: 1.25rem;\n            font-weight: 700;\n            color: #0b1f3a;\n            margin-bottom: 1rem;\n        }\n        @media (min-width: 768px) { #vben-benefits-widget .vben-card-title { font-size: 1.5rem; } }\n\n        #vben-benefits-widget .vben-card-text {\n            color: #4b5563;\n            font-size: 1rem;\n            line-height: 1.625;\n            margin-bottom: 1.5rem;\n        }\n\n        \/* --- Enlace --- *\/\n        #vben-benefits-widget .vben-link {\n            font-size: 1.05rem;\n            font-weight: 700;\n            color: #1a4f8a;\n            text-decoration: none;\n            position: relative;\n            transition: color 0.3s ease;\n        }\n        #vben-benefits-widget .vben-link:hover { color: #0b1f3a; }\n        \n        #vben-benefits-widget .vben-link::after {\n            content: '';\n            position: absolute;\n            width: 0;\n            height: 2px;\n            bottom: -2px;\n            left: 0;\n            background-color: currentColor;\n            transition: width 0.3s ease;\n        }\n        #vben-benefits-widget .vben-link:hover::after {\n            width: 100%;\n        }\n    <\/style>\n\n    <!-- HTML -->\n    <div class=\"vben-container\">\n        \n        <!-- Encabezado -->\n        <div class=\"vben-header\">\n            <h2 class=\"vben-title\">\n                Beneficios de Valora: Menos estr\u00e9s,<br class=\"vben-br-desktop\"> m\u00e1s claridad y crecimiento real\n            <\/h2>\n            <p class=\"vben-subtitle\">\n                Con un acompa\u00f1amiento que combina estrategia, educaci\u00f3n y acci\u00f3n, Valora es la pieza clave para recuperar tu tranquilidad financiera. Pon tus finanzas en orden y entra en un estado de calma \u2014 mientras construyes tu patrimonio.\n            <\/p>\n        <\/div>\n\n        <!-- Grid: 3 Columnas -->\n        <div class=\"vben-grid\">\n            \n            <!-- Columna 1: Salir de deudas -->\n            <div class=\"vben-card\">\n                <div class=\"vben-icon-wrap\">\n                    <!-- Icono: reloj + check (recuperaci\u00f3n del tiempo) -->\n                    <svg viewBox=\"0 0 100 100\" class=\"vben-icon-svg\">\n                        <!-- C\u00edrculo del reloj en azul claro -->\n                        <circle cx=\"50\" cy=\"50\" r=\"38\" fill=\"#dbeafe\"><\/circle>\n                        <!-- Agujas del reloj -->\n                        <path d=\"M50 22 L50 50 L68 62\" fill=\"none\" stroke=\"#0b1f3a\" stroke-width=\"5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                        <!-- Flecha curva alrededor -->\n                        <path d=\"M88 50 A38 38 0 1 1 50 12\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M50 12 L42 20 M50 12 L58 20\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path>\n                    <\/svg>\n                <\/div>\n                \n                <h3 class=\"vben-card-title\">Sal de deudas en tiempo r\u00e9cord<\/h3>\n                <p class=\"vben-card-text\">\n                    Analizamos tu situaci\u00f3n, negociamos con tus acreedores y dise\u00f1amos un plan de pagos realista. La mayor\u00eda de nuestros clientes obtiene su carta de no adeudo en menos de 12 meses.\n                <\/p>\n                <a href=\"#read-salir-deudas\" class=\"vben-link\">Conoce m\u00e1s<\/a>\n            <\/div>\n\n            <!-- Columna 2: Todo en un lugar -->\n            <div class=\"vben-card\">\n                <div class=\"vben-icon-wrap\">\n                    <!-- Icono: flechas convergiendo a un centro (todo en uno) -->\n                    <svg viewBox=\"0 0 100 100\" class=\"vben-icon-svg\">\n                        <!-- Centro -->\n                        <circle cx=\"50\" cy=\"50\" r=\"14\" fill=\"#0b1f3a\"><\/circle>\n                        <!-- Flechas apuntando al centro (4 direcciones) -->\n                        <path d=\"M18 18 L38 38 M18 18 L32 22 M18 18 L22 32\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                        <path d=\"M82 18 L62 38 M82 18 L68 22 M82 18 L78 32\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                        <path d=\"M18 82 L38 62 M18 82 L32 78 M18 82 L22 68\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                        <path d=\"M82 82 L62 62 M82 82 L68 78 M82 82 L78 68\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n                    <\/svg>\n                <\/div>\n                \n                <h3 class=\"vben-card-title\">Todo tu ciclo financiero en un solo lugar<\/h3>\n                <p class=\"vben-card-text\">\n                    Diagn\u00f3stico, recuperaci\u00f3n, rehabilitaci\u00f3n crediticia, educaci\u00f3n y construcci\u00f3n patrimonial. Un solo equipo te acompa\u00f1a en cada etapa, sin fragmentaciones ni procesos que se cortan a la mitad.\n                <\/p>\n                <a href=\"#read-todo-en-uno\" class=\"vben-link\">Conoce m\u00e1s<\/a>\n            <\/div>\n\n            <!-- Columna 3: No volver a caer -->\n            <div class=\"vben-card\">\n                <div class=\"vben-icon-wrap\">\n                    <!-- Icono: ojo + escudo (vigilancia financiera) -->\n                    <svg viewBox=\"0 0 100 100\" class=\"vben-icon-svg\">\n                        <!-- Esquinas del marco -->\n                        <path d=\"M20 20 L20 32 M20 20 L32 20\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M80 20 L80 32 M80 20 L68 20\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M20 80 L20 68 M20 80 L32 80\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\"><\/path>\n                        <path d=\"M80 80 L80 68 M80 80 L68 80\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"4\" stroke-linecap=\"round\"><\/path>\n                        <!-- Ojo -->\n                        <path d=\"M50 38 C30 38 18 50 18 50 C18 50 30 62 50 62 C70 62 82 50 82 50 C82 50 70 38 50 38 Z\" fill=\"none\" stroke=\"#0b1f3a\" stroke-width=\"4\"><\/path>\n                        <circle cx=\"50\" cy=\"50\" r=\"8\" fill=\"#0b1f3a\"><\/circle>\n                    <\/svg>\n                <\/div>\n                \n                <h3 class=\"vben-card-title\">No vuelvas a caer en el mismo ciclo<\/h3>\n                <p class=\"vben-card-text\">\n                    Te educamos en presupuesto, manejo de deuda y ahorro para que tomes mejores decisiones. Con seguimiento mensual y an\u00e1lisis de tu score, mantenemos tu salud financiera en el tiempo.\n                <\/p>\n                <a href=\"#read-no-recaer\" class=\"vben-link\">Conoce m\u00e1s<\/a>\n            <\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Font Awesome -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.4.0\/css\/all.min.css\">\n\n<!-- Contenedor Aislado Valora Fases -->\n<div id=\"vfase-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Fases\n           ========================================= *\/\n        #vfase-widget {\n            font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif;\n            background-color: #ffffff;\n            padding: 2rem 1rem;\n            width: 100%;\n            box-sizing: border-box;\n            display: flex;\n            justify-content: center;\n        }\n\n        #vfase-widget *,\n        #vfase-widget *::before,\n        #vfase-widget *::after {\n            box-sizing: inherit;\n            margin: 0;\n            padding: 0;\n        }\n\n        \/* --- Animaciones --- *\/\n        @keyframes vfaseFloat {\n            0% { transform: translateY(0px); }\n            50% { transform: translateY(-10px); }\n            100% { transform: translateY(0px); }\n        }\n        @keyframes vfaseCursor {\n            0% { transform: translate(0, 0); }\n            50% { transform: translate(0, 0) scale(0.9); }\n            55% { transform: translate(0, 0) scale(0.9); }\n            100% { transform: translate(0, 0); }\n        }\n\n        \/* --- Contenedor Principal --- *\/\n        #vfase-widget .vfase-container {\n            width: 100%;\n            max-width: 80rem;\n            margin: 0 auto;\n        }\n\n        \/* --- Encabezado --- *\/\n        #vfase-widget .vfase-header {\n            text-align: center;\n            max-width: 56rem;\n            margin: 0 auto 3rem auto;\n        }\n        #vfase-widget .vfase-title {\n            font-size: 1.875rem; font-weight: 800; color: #0b1f3a;\n            line-height: 1.15; letter-spacing: -0.025em; margin-bottom: 1rem;\n        }\n        @media (min-width: 768px) { #vfase-widget .vfase-title { font-size: 2.25rem; } }\n        @media (min-width: 1024px) { #vfase-widget .vfase-title { font-size: 3rem; } }\n\n        #vfase-widget .vfase-subtitle {\n            font-size: 1.125rem; color: #4b5563; line-height: 1.625;\n        }\n        @media (min-width: 768px) { #vfase-widget .vfase-subtitle { font-size: 1.2rem; } }\n\n        \/* --- Layout: Dos Columnas --- *\/\n        #vfase-widget .vfase-layout {\n            display: flex; flex-direction: column; gap: 2rem; align-items: flex-start;\n        }\n        @media (min-width: 768px) {\n            #vfase-widget .vfase-layout { flex-direction: row; gap: 3rem; }\n        }\n\n        \/* --- Columna Izquierda: Panel Visual --- *\/\n        #vfase-widget .vfase-visual-col {\n            width: 100%;\n            position: relative;\n            min-height: 400px;\n            background-color: #f8fafc;\n            border-radius: 1rem;\n            overflow: hidden;\n            box-shadow: 0 10px 15px -3px rgba(11, 31, 58, 0.1);\n            border: 1px solid #eef2f7;\n        }\n        @media (min-width: 768px) {\n            #vfase-widget .vfase-visual-col { width: 45%; min-height: 500px; }\n        }\n\n        #vfase-widget .vfase-bg-wrap {\n            position: absolute; inset: 0; width: 100%; height: 100%;\n            transition: opacity 0.3s ease;\n        }\n        #vfase-widget .vfase-bg-img {\n            width: 100%; height: 100%; object-fit: cover;\n        }\n        \n        #vfase-widget .vfase-overlay {\n            position: absolute; inset: 0; width: 100%; height: 100%;\n            padding: 1.5rem; transition: opacity 0.3s ease;\n        }\n        @media (min-width: 768px) { #vfase-widget .vfase-overlay { padding: 2rem; } }\n\n        \/* --- Columna Derecha: Acorde\u00f3n --- *\/\n        #vfase-widget .vfase-accordion-col { width: 100%; display: flex; flex-direction: column; }\n        @media (min-width: 768px) { #vfase-widget .vfase-accordion-col { width: 55%; } }\n\n        #vfase-widget .vfase-item {\n            border-bottom: 1px solid #e5e7eb; padding: 1.5rem 0; cursor: pointer;\n        }\n\n        #vfase-widget .vfase-item-header {\n            display: flex; justify-content: space-between; align-items: center; gap: 1rem;\n        }\n\n        #vfase-widget .vfase-item-title {\n            font-size: 1.25rem; font-weight: 700; color: #0b1f3a;\n            transition: color 0.3s ease;\n        }\n        @media (min-width: 768px) { #vfase-widget .vfase-item-title { font-size: 1.5rem; } }\n\n        #vfase-widget .vfase-chevron {\n            font-size: 1.125rem; color: #0b1f3a; transition: transform 0.3s ease, color 0.3s ease;\n        }\n\n        #vfase-widget .vfase-item-content {\n            max-height: 0; overflow: hidden; opacity: 0; transition: max-height 0.4s ease, opacity 0.4s ease;\n        }\n        \n        #vfase-widget .vfase-item-text {\n            color: #4b5563; font-size: 1rem; line-height: 1.625; margin-top: 0.5rem; padding-bottom: 0.5rem;\n        }\n\n        \/* --- Estados Activos --- *\/\n        #vfase-widget .vfase-item.active .vfase-item-title { color: #1a4f8a; }\n        #vfase-widget .vfase-item.active .vfase-chevron { color: #1a4f8a; transform: rotate(180deg); }\n        #vfase-widget .vfase-item.active .vfase-item-content { max-height: 250px; opacity: 1; }\n\n        \/* --- Widgets --- *\/\n        #vfase-widget .vfase-pos-tl { position: absolute; top: 1.5rem; left: 1.5rem; }\n        #vfase-widget .vfase-pos-tr { position: absolute; top: 1.5rem; right: 1.5rem; }\n        #vfase-widget .vfase-pos-bl { position: absolute; bottom: 5rem; left: 1.5rem; }\n        #vfase-widget .vfase-pos-br { position: absolute; bottom: 1.5rem; right: 1.5rem; }\n        #vfase-widget .vfase-pos-b { position: absolute; bottom: 5rem; left: 1.5rem; right: 1.5rem; }\n\n        #vfase-widget .vfase-anim-float { animation: vfaseFloat 4s ease-in-out infinite; }\n        #vfase-widget .vfase-anim-delay { animation: vfaseFloat 4s ease-in-out infinite; animation-delay: 1s; }\n        #vfase-widget .vfase-anim-cursor { animation: vfaseCursor 2s infinite; font-size: 1.5rem; color: #1f2937; }\n\n        #vfase-widget .vfase-box-glass { background-color: rgba(255,255,255,0.92); backdrop-filter: blur(4px); padding: 0.75rem; border-radius: 0.5rem; box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1); }\n        #vfase-widget .vfase-box { background-color: #ffffff; padding: 1rem; border-radius: 0.75rem; box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1); }\n        #vfase-widget .vfase-bubble { background-color: #0b1f3a; color: white; padding: 0.75rem; border-radius: 1rem; border-top-right-radius: 0; box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1); }\n        #vfase-widget .vfase-bubble-round { background-color: #1a4f8a; color: white; padding: 0.75rem; border-radius: 50%; box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1); }\n        \n        #vfase-widget .vfase-circle { width: 2.5rem; height: 2.5rem; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: bold; box-shadow: 0 4px 6px -1px rgba(0,0,0,0.1); }\n        \n        #vfase-widget .vfase-flex-row { display: flex; align-items: center; gap: 0.5rem; }\n        \n        #vfase-widget .vfase-btn-yellow { background-color: #facc15; color: #111827; font-weight: bold; padding: 0.5rem 1rem; border-radius: 9999px; border: none; cursor: pointer; box-shadow: 0 10px 15px -3px rgba(0,0,0,0.1); transition: transform 0.2s ease; }\n        #vfase-widget .vfase-btn-yellow:hover { transform: scale(1.05); }\n\n        #vfase-widget .vfase-comment-row { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.75rem; }\n        #vfase-widget .vfase-avatar { width: 2rem; height: 2rem; background-color: #dbeafe; color: #1a4f8a; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: bold; font-size: 0.75rem; }\n        #vfase-widget .vfase-reply-row { display: flex; align-items: center; gap: 0.5rem; border-top: 1px solid #e5e7eb; padding-top: 0.5rem; }\n        #vfase-widget .vfase-input { flex: 1; background-color: #f3f4f6; border: none; outline: none; border-radius: 9999px; padding: 0.25rem 0.75rem; font-size: 0.875rem; }\n        #vfase-widget .vfase-btn-text { color: #1a4f8a; font-weight: bold; font-size: 0.875rem; border: none; background: transparent; cursor: pointer; }\n\n        #vfase-widget .vfase-chart-bars { display: flex; align-items: flex-end; gap: 0.25rem; height: 4rem; }\n        #vfase-widget .vfase-bar { width: 25%; border-top-left-radius: 0.25rem; border-top-right-radius: 0.25rem; }\n\n        \/* Responsive m\u00f3vil *\/\n        @media (max-width: 600px) {\n            #vfase-widget {\n                padding: 1.5rem 0.75rem;\n            }\n            #vfase-widget .vfase-title {\n                font-size: 1.5rem;\n            }\n            #vfase-widget .vfase-subtitle {\n                font-size: 1rem;\n            }\n            #vfase-widget .vfase-item-title {\n                font-size: 1.05rem;\n            }\n            #vfase-widget .vfase-visual-col {\n                min-height: 340px;\n            }\n        }\n    <\/style>\n\n    <!-- HTML Estructurado -->\n    <div class=\"vfase-container\">\n        \n        <!-- Header -->\n        <div class=\"vfase-header\">\n            <h2 class=\"vfase-title\">\n                Las 4 fases de tu transformaci\u00f3n financiera\n            <\/h2>\n            <p class=\"vfase-subtitle\">\n                Acompa\u00f1amos al cliente durante todo su ciclo financiero, desde la deuda hasta la construcci\u00f3n de patrimonio. Estas son las etapas que trabajamos juntos.\n            <\/p>\n        <\/div>\n\n        <!-- Layout 2 Columnas -->\n        <div class=\"vfase-layout\">\n            \n            <!-- Columna Izquierda: Visual Din\u00e1mico -->\n            <div class=\"vfase-visual-col\">\n                <div id=\"vfase-bg\" class=\"vfase-bg-wrap\">\n                    <img decoding=\"async\" id=\"vfase-img\" src=\"\" alt=\"\" class=\"vfase-bg-img\">\n                <\/div>\n                <div id=\"vfase-overlay\" class=\"vfase-overlay\">\n                    <!-- Los widgets se inyectan con JS -->\n                <\/div>\n            <\/div>\n\n            <!-- Columna Derecha: Acorde\u00f3n -->\n            <div class=\"vfase-accordion-col\">\n                \n                <!-- Fase 1 -->\n                <div class=\"vfase-item\" data-index=\"0\">\n                    <div class=\"vfase-item-header\">\n                        <h3 class=\"vfase-item-title\">1. Diagn\u00f3stico financiero<\/h3>\n                        <i class=\"fa-solid fa-chevron-down vfase-chevron\"><\/i>\n                    <\/div>\n                    <div class=\"vfase-item-content\">\n                        <p class=\"vfase-item-text\">\n                            Revisamos tu reporte crediticio, tus deudas activas y tu capacidad de pago. Dise\u00f1amos un plan de acci\u00f3n personalizado por solo <strong>S\/ 30 (pago \u00fanico)<\/strong>.\n                        <\/p>\n                    <\/div>\n                <\/div>\n\n                <!-- Fase 2 -->\n                <div class=\"vfase-item\" data-index=\"1\">\n                    <div class=\"vfase-item-header\">\n                        <h3 class=\"vfase-item-title\">2. Recuperaci\u00f3n financiera<\/h3>\n                        <i class=\"fa-solid fa-chevron-down vfase-chevron\"><\/i>\n                    <\/div>\n                    <div class=\"vfase-item-content\">\n                        <p class=\"vfase-item-text\">\n                            Negociamos con tus acreedores, ordenamos tus pagos y te acompa\u00f1amos hasta obtener tu <strong>carta de no adeudo<\/strong>. Membres\u00eda mensual de S\/ 60.\n                        <\/p>\n                    <\/div>\n                <\/div>\n\n                <!-- Fase 3 -->\n                <div class=\"vfase-item\" data-index=\"2\">\n                    <div class=\"vfase-item-header\">\n                        <h3 class=\"vfase-item-title\">3. Rehabilitaci\u00f3n crediticia<\/h3>\n                        <i class=\"fa-solid fa-chevron-down vfase-chevron\"><\/i>\n                    <\/div>\n                    <div class=\"vfase-item-content\">\n                        <p class=\"vfase-item-text\">\n                            Revisamos tu score, dise\u00f1amos una estrategia personalizada y te ense\u00f1amos a usar correctamente los productos financieros. Vuelves a ser elegible.\n                        <\/p>\n                    <\/div>\n                <\/div>\n\n                <!-- Fase 4 -->\n                <div class=\"vfase-item\" data-index=\"3\">\n                    <div class=\"vfase-item-header\">\n                        <h3 class=\"vfase-item-title\">4. Construcci\u00f3n patrimonial<\/h3>\n                        <i class=\"fa-solid fa-chevron-down vfase-chevron\"><\/i>\n                    <\/div>\n                    <div class=\"vfase-item-content\">\n                        <p class=\"vfase-item-text\">\n                            Te asesoramos para ahorrar, invertir y construir riqueza sostenible. Comisi\u00f3n del <strong>3% anual<\/strong> sobre patrimonio asesorado.\n                        <\/p>\n                    <\/div>\n                <\/div>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<!-- JavaScript Logic -->\n<script>\n    const vfaseStates = [\n        \/\/ ===== Fase 1: Diagn\u00f3stico =====\n        {\n            image: \"https:\/\/picsum.photos\/id\/1069\/800\/800\",\n            alt: \"Diagn\u00f3stico financiero\",\n            widgets: `\n                <div class=\"vfase-box-glass vfase-pos-tl vfase-anim-float\">\n                    <div style=\"font-size:0.7rem; color:#6b7280; font-weight:600; text-transform:uppercase;\">Score actual<\/div>\n                    <div style=\"color:#dc2626; font-weight:bold; font-size:1.25rem;\">Bajo \u00b7 380<\/div>\n                <\/div>\n                \n                <div class=\"vfase-flex-row vfase-pos-tr vfase-anim-delay\">\n                    <div class=\"vfase-circle\" style=\"background-color:#dc2626;\">!<\/div>\n                    <div class=\"vfase-circle\" style=\"background-color:#f59e0b;\">S\/<\/div>\n                <\/div>\n\n                <div class=\"vfase-box vfase-pos-bl vfase-anim-float\" style=\"text-align:center;\">\n                    <div style=\"color:#6b7280; font-size:0.7rem; font-weight:bold; text-transform:uppercase;\">Deuda total<\/div>\n                    <div style=\"font-size:1.5rem; font-weight:bold; color:#dc2626;\">S\/ 18,540<\/div>\n                    <div style=\"font-size:0.7rem; color:#6b7280;\">4 acreedores<\/div>\n                <\/div>\n\n                <div class=\"vfase-flex-row vfase-pos-br\" style=\"gap:1rem;\">\n                    <button class=\"vfase-btn-yellow\">Diagn\u00f3stico S\/ 30<\/button>\n                    <div class=\"vfase-anim-cursor\"><i class=\"fa-solid fa-hand-pointer\"><\/i><\/div>\n                <\/div>\n            `\n        },\n        \/\/ ===== Fase 2: Recuperaci\u00f3n =====\n        {\n            image: \"https:\/\/picsum.photos\/id\/1080\/800\/800\",\n            alt: \"Recuperaci\u00f3n financiera\",\n            widgets: `\n                <div class=\"vfase-box vfase-pos-tl vfase-anim-float\" style=\"border-radius: 50%; padding:0.75rem;\">\n                    <i class=\"fa-solid fa-handshake\" style=\"color:#1a4f8a; font-size:1.5rem;\"><\/i>\n                <\/div>\n\n                <div class=\"vfase-bubble vfase-pos-tr vfase-anim-delay\">\n                    <i class=\"fa-solid fa-file-contract\" style=\"font-size:1.25rem;\"><\/i>\n                <\/div>\n\n                <div class=\"vfase-box vfase-pos-b vfase-anim-float\">\n                    <div class=\"vfase-comment-row\">\n                        <div class=\"vfase-avatar\">A<\/div>\n                        <div>\n                            <div style=\"font-size:0.875rem; font-weight:bold; color:#1f2937;\">Acreedor<\/div>\n                            <div style=\"font-size:0.875rem; color:#4b5563;\">Negociaci\u00f3n aceptada \u2713<\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"vfase-reply-row\">\n                        <input type=\"text\" placeholder=\"Carta de no adeudo...\" class=\"vfase-input\">\n                        <button class=\"vfase-btn-text\">Emitir<\/button>\n                    <\/div>\n                <\/div>\n            `\n        },\n        \/\/ ===== Fase 3: Rehabilitaci\u00f3n =====\n        {\n            image: \"https:\/\/picsum.photos\/id\/1084\/800\/800\",\n            alt: \"Rehabilitaci\u00f3n crediticia\",\n            widgets: `\n                <div class=\"vfase-box vfase-pos-tl vfase-anim-float\" style=\"width:10rem;\">\n                    <div class=\"vfase-chart-bars\">\n                        <div class=\"vfase-bar\" style=\"background-color:#bfdbfe; height:30%;\"><\/div>\n                        <div class=\"vfase-bar\" style=\"background-color:#60a5fa; height:55%;\"><\/div>\n                        <div class=\"vfase-bar\" style=\"background-color:#1a4f8a; height:80%;\"><\/div>\n                        <div class=\"vfase-bar\" style=\"background-color:#0b1f3a; height:100%;\"><\/div>\n                    <\/div>\n                    <div style=\"font-size:0.75rem; color:#6b7280; margin-top:0.5rem; text-align:center;\">Score +45 pts<\/div>\n                <\/div>\n\n                <div class=\"vfase-box-glass vfase-flex-row vfase-pos-tr vfase-anim-delay\" style=\"border-radius:9999px; padding:0.5rem 1rem;\">\n                    <i class=\"fa-solid fa-arrow-trend-up\" style=\"color:#1a4f8a;\"><\/i>\n                    <span style=\"font-weight:bold; color:#1f2937;\">Subiendo<\/span>\n                <\/div>\n\n                <div class=\"vfase-box vfase-pos-bl vfase-anim-float\" style=\"width:8rem; padding:0.75rem;\">\n                    <svg viewBox=\"0 0 100 40\" style=\"width:100%; height:2.5rem;\">\n                        <path d=\"M0 35 Q25 30 50 20 T100 5\" fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"2.5\" \/>\n                    <\/svg>\n                    <div style=\"font-size:0.65rem; color:#6b7280; text-align:center;\">Reconstrucci\u00f3n<\/div>\n                <\/div>\n\n                <div class=\"vfase-flex-row vfase-pos-br\" style=\"gap:1rem;\">\n                    <button class=\"vfase-btn-yellow\">Ver estrategia<\/button>\n                    <div class=\"vfase-anim-cursor\"><i class=\"fa-solid fa-hand-pointer\"><\/i><\/div>\n                <\/div>\n            `\n        },\n        \/\/ ===== Fase 4: Patrimonio =====\n        {\n            image: \"https:\/\/picsum.photos\/id\/1060\/800\/800\",\n            alt: \"Construcci\u00f3n patrimonial\",\n            widgets: `\n                <div class=\"vfase-box-glass vfase-flex-row vfase-pos-tl vfase-anim-float\" style=\"border-radius:9999px; padding:0.5rem 1rem;\">\n                    <i class=\"fa-solid fa-chart-pie\" style=\"color:#1a4f8a;\"><\/i>\n                    <span style=\"font-weight:bold; font-size:0.875rem; color:#1f2937;\">Portafolio<\/span>\n                <\/div>\n\n                <div class=\"vfase-bubble-round vfase-pos-tr vfase-anim-delay\">\n                    <i class=\"fa-solid fa-coins\" style=\"font-size:1.25rem;\"><\/i>\n                <\/div>\n\n                <div class=\"vfase-box vfase-flex-row vfase-pos-b vfase-anim-float\" style=\"padding:0.75rem;\">\n                    <i class=\"fa-solid fa-sack-dollar\" style=\"color:#16a34a;\"><\/i>\n                    <span style=\"color:#6b7280; font-size:0.875rem;\">Patrimonio: <strong style=\"color:#16a34a;\">S\/ 120K<\/strong><\/span>\n                <\/div>\n\n                <div class=\"vfase-flex-row vfase-pos-br\" style=\"gap:1rem;\">\n                    <button class=\"vfase-btn-yellow\">Invertir ahora<\/button>\n                    <div class=\"vfase-anim-cursor\"><i class=\"fa-solid fa-hand-pointer\"><\/i><\/div>\n                <\/div>\n            `\n        }\n    ];\n\n    const vfaseItems = document.querySelectorAll('#vfase-widget .vfase-item');\n    const vfaseBgWrap = document.getElementById('vfase-bg');\n    const vfaseImg = document.getElementById('vfase-img');\n    const vfaseOverlay = document.getElementById('vfase-overlay');\n\n    function vfaseActivate(activeIndex) {\n        vfaseItems.forEach((item, index) => {\n            if (index === activeIndex) {\n                item.classList.add('active');\n            } else {\n                item.classList.remove('active');\n            }\n        });\n    }\n\n    function vfaseUpdateVisuals(index) {\n        const state = vfaseStates[index];\n        \n        \/\/ Fade out\n        vfaseOverlay.style.opacity = '0';\n        vfaseBgWrap.style.opacity = '0.5';\n\n        setTimeout(() => {\n            vfaseImg.src = state.image;\n            vfaseImg.alt = state.alt;\n            vfaseOverlay.innerHTML = state.widgets;\n            vfaseOverlay.style.opacity = '1';\n            vfaseBgWrap.style.opacity = '1';\n        }, 300);\n    }\n\n    \/\/ Iniciar en la primera fase\n    vfaseActivate(0);\n    vfaseUpdateVisuals(0);\n\n    \/\/ Click en cada item\n    vfaseItems.forEach((item, index) => {\n        item.addEventListener('click', () => {\n            vfaseActivate(index);\n            vfaseUpdateVisuals(index);\n        });\n    });\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>S\/ S\/ 972K Proyecci\u00f3n A\u00f1o 5 Beneficios de Valora: El acompa\u00f1amiento #1 para tu libertad financiera Las ventajas son claras: sal de deudas, reconstruye tu historial crediticio y construye patrimonio con acompa\u00f1amiento profesional de principio a fin. Agenda tu diagn\u00f3stico Habla con un asesor Sin compromiso. Confidencialidad garantizada. El acompa\u00f1amiento definitivo paratransformar tus finanzas Mientras [&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-19","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/19","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=19"}],"version-history":[{"count":11,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":445,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/19\/revisions\/445"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}