{"id":221,"date":"2026-08-07T21:23:44","date_gmt":"2026-08-07T21:23:44","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=221"},"modified":"2026-09-19T16:48:01","modified_gmt":"2026-09-19T16:48:01","slug":"gobierno","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=221","title":{"rendered":"Gobierno"},"content":{"rendered":"\n<!-- Fuente -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<!-- Contenedor Aislado Valora Government Hero -->\n<div id=\"vgov-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Government Hero\n           ========================================= *\/\n        #vgov-widget {\n            --vgov-navy: #0b1f3a;\n            --vgov-blue: #1a4f8a;\n            --vgov-blue-hover: #163c6b;\n            --vgov-blue-light: #dbeafe;\n            --vgov-charcoal: #4b5563;\n            --vgov-white: #ffffff;\n            --vgov-off-white: #f8fafc;\n            --vgov-gray-100: #f1f5f9;\n            --vgov-gray-200: #e2e8f0;\n            --vgov-green: #16a34a;\n            --vgov-green-bg: #dcfce7;\n            --vgov-red: #dc2626;\n            --vgov-orange: #f59e0b;\n            --vgov-purple: #7c3aed;\n            --vgov-teal: #0891b2;\n            --vgov-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vgov-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.10);\n            --vgov-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.14);\n            --vgov-shadow-xl: 0 30px 60px rgba(11, 31, 58, 0.18);\n            --vgov-radius-sm: 6px;\n            --vgov-radius-md: 10px;\n            --vgov-radius-lg: 16px;\n            --vgov-transition: 0.3s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vgov-white);\n            color: var(--vgov-charcoal);\n            line-height: 1.6;\n            -webkit-font-smoothing: antialiased;\n            -moz-osx-font-smoothing: grayscale;\n            width: 100%;\n            box-sizing: border-box;\n        }\n\n        #vgov-widget *,\n        #vgov-widget *::before,\n        #vgov-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vgov-widget h1,\n        #vgov-widget h2,\n        #vgov-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vgov-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vgov-widget .vgov-hero-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n            display: grid;\n            grid-template-columns: 1fr 1fr;\n            gap: 56px;\n            align-items: center;\n        }\n\n        \/* ========== COLUMNA IZQUIERDA: DASHBOARD ========== *\/\n        #vgov-widget .vgov-left-col {\n            position: relative;\n            display: flex;\n            justify-content: center;\n            align-items: center;\n            min-height: 520px;\n        }\n\n        #vgov-widget .vgov-collage {\n            position: relative;\n            width: 100%;\n            max-width: 560px;\n            height: 480px;\n            background: var(--vgov-off-white);\n            border-radius: var(--vgov-radius-lg);\n            box-shadow: var(--vgov-shadow-lg);\n            padding: 20px;\n        }\n\n        #vgov-widget .vgov-dashboard-panel {\n            position: relative;\n            width: 100%;\n            height: 100%;\n            background: var(--vgov-white);\n            border-radius: var(--vgov-radius-md);\n            overflow: hidden;\n        }\n\n        \/* Header del dashboard *\/\n        #vgov-widget .vgov-dashboard-header {\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n            padding: 12px 16px;\n            background: var(--vgov-gray-100);\n            border-bottom: 1px solid var(--vgov-gray-200);\n        }\n\n        #vgov-widget .vgov-dashboard-logo {\n            font-weight: 700;\n            color: var(--vgov-navy);\n            font-size: 0.75rem;\n            letter-spacing: 0.02em;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n        }\n\n        #vgov-widget .vgov-dashboard-logo::before {\n            content: \"\";\n            width: 8px;\n            height: 8px;\n            background: var(--vgov-green);\n            border-radius: 50%;\n        }\n\n        #vgov-widget .vgov-dashboard-tabs {\n            display: flex;\n            gap: 6px;\n        }\n\n        #vgov-widget .vgov-dashboard-tab {\n            background: var(--vgov-white);\n            padding: 5px 10px;\n            border-radius: 20px;\n            font-size: 0.6rem;\n            font-weight: 600;\n            color: var(--vgov-navy);\n            border: 1px solid var(--vgov-gray-200);\n            cursor: pointer;\n            transition: all 0.2s ease;\n        }\n\n        #vgov-widget .vgov-dashboard-tab:hover {\n            background: var(--vgov-blue-light);\n            border-color: var(--vgov-blue);\n            color: var(--vgov-blue);\n        }\n\n        \/* Sidebar *\/\n        #vgov-widget .vgov-dashboard-sidebar {\n            position: absolute;\n            left: 0;\n            top: 46px;\n            bottom: 0;\n            width: 28px;\n            background: var(--vgov-gray-100);\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            padding-top: 10px;\n            gap: 10px;\n        }\n\n        #vgov-widget .vgov-sidebar-icon {\n            width: 16px;\n            height: 16px;\n            background: #cbd5e1;\n            border-radius: 50%;\n            transition: background-color 0.2s ease;\n        }\n\n        #vgov-widget .vgov-sidebar-icon.vgov-active {\n            background: var(--vgov-blue);\n        }\n\n        \/* Burbujas *\/\n        #vgov-widget .vgov-bubble-area {\n            position: absolute;\n            top: 66px;\n            left: 40px;\n            right: 10px;\n            height: 220px;\n        }\n\n        #vgov-widget .vgov-bubble {\n            position: absolute;\n            border-radius: 50%;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            text-align: center;\n            font-weight: 700;\n            color: white;\n            font-size: 0.6rem;\n            cursor: pointer;\n            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);\n            transition: transform 0.2s ease;\n            padding: 0 6px;\n            line-height: 1.2;\n        }\n\n        #vgov-widget .vgov-bubble:hover {\n            transform: scale(1.1);\n        }\n\n        \/* Colores de burbujas *\/\n        #vgov-widget .vgov-bubble.vgov-navy { background: var(--vgov-navy); }\n        #vgov-widget .vgov-bubble.vgov-blue { background: var(--vgov-blue); }\n        #vgov-widget .vgov-bubble.vgov-teal { background: var(--vgov-teal); }\n        #vgov-widget .vgov-bubble.vgov-purple { background: var(--vgov-purple); }\n        #vgov-widget .vgov-bubble.vgov-red { background: var(--vgov-red); }\n        #vgov-widget .vgov-bubble.vgov-orange { background: var(--vgov-orange); }\n        #vgov-widget .vgov-bubble.vgov-green { background: var(--vgov-green); }\n        #vgov-widget .vgov-bubble.vgov-gray { background: #64748b; }\n\n        \/* Badge de resultados *\/\n        #vgov-widget .vgov-results-badge {\n            position: absolute;\n            top: 5px;\n            right: 5px;\n            background: var(--vgov-white);\n            border-radius: 20px;\n            box-shadow: var(--vgov-shadow-md);\n            padding: 6px 12px;\n            font-weight: 800;\n            color: var(--vgov-navy);\n            font-size: 0.65rem;\n            z-index: 2;\n            letter-spacing: 0.05em;\n            text-transform: uppercase;\n        }\n\n        \/* Iconos de plataforma *\/\n        #vgov-widget .vgov-platform-row {\n            position: absolute;\n            bottom: 0;\n            left: 40px;\n            right: 10px;\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n            padding: 12px 8px;\n            background: var(--vgov-white);\n            border-top: 1px solid var(--vgov-gray-200);\n        }\n\n        #vgov-widget .vgov-platform-icon {\n            width: 24px;\n            height: 24px;\n            border-radius: 50%;\n            background: var(--vgov-gray-100);\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            font-size: 0.55rem;\n            font-weight: 700;\n            color: #64748b;\n            cursor: pointer;\n            transition: all 0.2s ease;\n        }\n\n        #vgov-widget .vgov-platform-icon:hover {\n            transform: scale(1.15);\n            background: var(--vgov-blue-light);\n            color: var(--vgov-blue);\n        }\n\n        \/* ===== Widget foto flotante ===== *\/\n        #vgov-widget .vgov-photo-widget {\n            position: absolute;\n            top: 50%;\n            right: -25px;\n            width: 160px;\n            height: 130px;\n            background: linear-gradient(135deg, var(--vgov-blue), var(--vgov-navy));\n            border-radius: var(--vgov-radius-md);\n            box-shadow: var(--vgov-shadow-xl);\n            overflow: hidden;\n            z-index: 8;\n            animation: vgovFloat 5s ease-in-out infinite alternate;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            border: 3px solid white;\n        }\n\n        #vgov-widget .vgov-photo-widget .vgov-photo-placeholder {\n            font-size: 3rem;\n            color: white;\n            opacity: 0.9;\n        }\n\n        \/* ===== Score badge (abajo derecha) ===== *\/\n        #vgov-widget .vgov-score-badge {\n            position: absolute;\n            bottom: 70px;\n            right: -15px;\n            background: var(--vgov-white);\n            border-radius: var(--vgov-radius-md);\n            box-shadow: var(--vgov-shadow-lg);\n            padding: 12px 16px;\n            text-align: center;\n            z-index: 9;\n            animation: vgovFloat 6s ease-in-out infinite alternate-reverse;\n            border: 1px solid var(--vgov-gray-200);\n        }\n\n        #vgov-widget .vgov-score-badge .vgov-label {\n            font-weight: 700;\n            color: #94a3b8;\n            font-size: 0.6rem;\n            letter-spacing: 0.08em;\n            text-transform: uppercase;\n            margin-bottom: 2px;\n        }\n\n        #vgov-widget .vgov-score-badge .vgov-value {\n            font-size: 1.35rem;\n            font-weight: 800;\n            color: var(--vgov-navy);\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            gap: 4px;\n            line-height: 1;\n        }\n\n        #vgov-widget .vgov-score-badge .vgov-value .vgov-arrow {\n            color: var(--vgov-green);\n            font-size: 1rem;\n        }\n\n        #vgov-widget .vgov-score-badge .vgov-sub {\n            font-size: 0.55rem;\n            color: var(--vgov-green);\n            font-weight: 800;\n            letter-spacing: 0.05em;\n            text-transform: uppercase;\n            margin-top: 3px;\n        }\n\n        \/* ===== Search bar (abajo izquierda) ===== *\/\n        #vgov-widget .vgov-search-bar {\n            position: absolute;\n            bottom: 20px;\n            left: 20px;\n            background: var(--vgov-white);\n            border-radius: 50px;\n            box-shadow: var(--vgov-shadow-lg);\n            padding: 10px 16px;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n            z-index: 10;\n            border: 1px solid var(--vgov-gray-200);\n            animation: vgovFloat 4s ease-in-out infinite alternate;\n        }\n\n        #vgov-widget .vgov-search-bar .vgov-icon {\n            font-size: 0.85rem;\n        }\n\n        #vgov-widget .vgov-search-bar .vgov-placeholder {\n            font-size: 0.65rem;\n            color: #64748b;\n            font-weight: 500;\n        }\n\n        \/* ===== Heart badge (arriba derecha) ===== *\/\n        #vgov-widget .vgov-heart-badge {\n            position: absolute;\n            top: -20px;\n            right: 40px;\n            width: 50px;\n            height: 50px;\n            background: var(--vgov-white);\n            border-radius: 50%;\n            box-shadow: var(--vgov-shadow-md);\n            z-index: 12;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            animation: vgovFloat 3s ease-in-out infinite alternate;\n            border: 3px solid white;\n        }\n\n        #vgov-widget .vgov-heart-badge .vgov-heart {\n            font-size: 1.3rem;\n        }\n\n        #vgov-widget .vgov-heart-badge .vgov-count {\n            position: absolute;\n            bottom: -4px;\n            right: -4px;\n            background: var(--vgov-red);\n            color: white;\n            font-size: 0.55rem;\n            font-weight: 800;\n            padding: 2px 6px;\n            border-radius: 999px;\n            border: 2px solid white;\n        }\n\n        \/* ========== COLUMNA DERECHA: TEXTO ========== *\/\n        #vgov-widget .vgov-right-col {\n            padding-left: 16px;\n        }\n\n        #vgov-widget .vgov-headline {\n            font-size: clamp(1.75rem, 3.5vw, 2.75rem);\n            font-weight: 800;\n            letter-spacing: -0.025em;\n            line-height: 1.15;\n            color: var(--vgov-navy);\n            margin-bottom: 24px;\n        }\n\n        #vgov-widget .vgov-headline .vgov-highlight {\n            color: var(--vgov-blue);\n            display: block;\n        }\n\n        #vgov-widget .vgov-body-text {\n            font-size: 1.05rem;\n            color: var(--vgov-charcoal);\n            margin-bottom: 32px;\n            line-height: 1.7;\n            max-width: 540px;\n        }\n\n        #vgov-widget .vgov-body-text strong {\n            color: var(--vgov-navy);\n            font-weight: 700;\n        }\n\n        \/* CTAs *\/\n        #vgov-widget .vgov-cta-row {\n            display: flex;\n            align-items: center;\n            gap: 24px;\n            flex-wrap: wrap;\n            margin-bottom: 16px;\n        }\n\n        #vgov-widget .vgov-btn {\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            padding: 14px 28px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: var(--vgov-radius-sm);\n            cursor: pointer;\n            transition: background-color var(--vgov-transition), box-shadow var(--vgov-transition), transform var(--vgov-transition), border-color var(--vgov-transition);\n            text-decoration: none;\n            text-align: center;\n            white-space: nowrap;\n            border: 2px solid transparent;\n        }\n\n        #vgov-widget .vgov-btn-primary {\n            background-color: var(--vgov-blue);\n            color: var(--vgov-white);\n            border-color: var(--vgov-blue);\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vgov-widget .vgov-btn-primary:hover {\n            background-color: var(--vgov-navy);\n            border-color: var(--vgov-navy);\n            box-shadow: var(--vgov-shadow-md);\n            transform: translateY(-2px);\n            color: var(--vgov-white);\n        }\n\n        #vgov-widget .vgov-link-secondary {\n            font-size: 1rem;\n            font-weight: 700;\n            color: var(--vgov-navy);\n            text-decoration: underline;\n            text-underline-offset: 4px;\n            text-decoration-thickness: 2px;\n            transition: color 0.2s ease;\n        }\n\n        #vgov-widget .vgov-link-secondary:hover {\n            color: var(--vgov-blue);\n        }\n\n        #vgov-widget .vgov-fine-print {\n            font-size: 0.85rem;\n            color: #94a3b8;\n            font-weight: 500;\n        }\n\n        \/* ========== ANIMACIONES ========== *\/\n        @keyframes vgovFloat {\n            0% { transform: translateY(0); }\n            100% { transform: translateY(-8px); }\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vgov-widget .vgov-hero-section {\n                grid-template-columns: 1fr;\n                gap: 40px;\n                padding: 56px 20px;\n            }\n            #vgov-widget .vgov-left-col {\n                max-width: 600px;\n                margin: 0 auto;\n                min-height: 400px;\n            }\n            #vgov-widget .vgov-collage {\n                max-width: 520px;\n                height: 440px;\n            }\n            #vgov-widget .vgov-right-col {\n                padding-left: 0;\n                text-align: center;\n            }\n            #vgov-widget .vgov-body-text {\n                margin-left: auto;\n                margin-right: auto;\n            }\n            #vgov-widget .vgov-cta-row {\n                justify-content: center;\n            }\n            #vgov-widget .vgov-photo-widget {\n                right: -10px;\n                width: 140px;\n                height: 110px;\n            }\n        }\n\n        @media (max-width: 600px) {\n            #vgov-widget .vgov-hero-section {\n                padding: 40px 16px;\n            }\n            #vgov-widget .vgov-left-col {\n                min-height: 350px;\n            }\n            #vgov-widget .vgov-collage {\n                padding: 12px;\n                height: 380px;\n            }\n            #vgov-widget .vgov-dashboard-logo {\n                font-size: 0.6rem;\n            }\n            #vgov-widget .vgov-dashboard-tab {\n                font-size: 0.5rem;\n                padding: 3px 7px;\n            }\n            #vgov-widget .vgov-bubble-area {\n                height: 160px;\n                top: 60px;\n                left: 34px;\n                right: 6px;\n            }\n            #vgov-widget .vgov-bubble {\n                font-size: 0.5rem;\n            }\n            #vgov-widget .vgov-results-badge {\n                font-size: 0.55rem;\n                padding: 4px 8px;\n            }\n            #vgov-widget .vgov-platform-row {\n                left: 34px;\n                right: 6px;\n                padding: 8px 4px;\n            }\n            #vgov-widget .vgov-platform-icon {\n                width: 20px;\n                height: 20px;\n                font-size: 0.5rem;\n            }\n            #vgov-widget .vgov-photo-widget {\n                width: 110px;\n                height: 90px;\n                right: -5px;\n            }\n            #vgov-widget .vgov-photo-widget .vgov-photo-placeholder {\n                font-size: 2rem;\n            }\n            #vgov-widget .vgov-score-badge {\n                bottom: 50px;\n                right: -8px;\n                padding: 8px 12px;\n            }\n            #vgov-widget .vgov-score-badge .vgov-value {\n                font-size: 1rem;\n            }\n            #vgov-widget .vgov-search-bar {\n                left: 10px;\n                bottom: 10px;\n                padding: 8px 12px;\n            }\n            #vgov-widget .vgov-search-bar .vgov-placeholder {\n                font-size: 0.55rem;\n            }\n            #vgov-widget .vgov-heart-badge {\n                width: 40px;\n                height: 40px;\n                right: 20px;\n                top: -15px;\n            }\n            #vgov-widget .vgov-heart-badge .vgov-heart {\n                font-size: 1rem;\n            }\n            #vgov-widget .vgov-cta-row {\n                flex-direction: column;\n                align-items: stretch;\n                gap: 14px;\n            }\n            #vgov-widget .vgov-btn {\n                width: 100%;\n                justify-content: center;\n            }\n            #vgov-widget .vgov-link-secondary {\n                text-align: center;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vgov-widget .vgov-photo-widget,\n            #vgov-widget .vgov-score-badge,\n            #vgov-widget .vgov-search-bar,\n            #vgov-widget .vgov-heart-badge {\n                animation: none;\n            }\n            #vgov-widget .vgov-btn,\n            #vgov-widget .vgov-bubble,\n            #vgov-widget .vgov-platform-icon {\n                transition: none;\n            }\n            #vgov-widget .vgov-btn-primary:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vgov-hero-section\" aria-label=\"Programa de salud financiera para municipalidades\">\n\n        <!-- ========== COLUMNA IZQUIERDA: Dashboard ========== -->\n        <div class=\"vgov-left-col\">\n            <div class=\"vgov-collage\">\n\n                <!-- Panel principal -->\n                <div class=\"vgov-dashboard-panel\">\n\n                    <!-- Header -->\n                    <div class=\"vgov-dashboard-header\">\n                        <span class=\"vgov-dashboard-logo\">Observatorio financiero regional<\/span>\n                        <div class=\"vgov-dashboard-tabs\">\n                            <span class=\"vgov-dashboard-tab\">Diagn\u00f3stico<\/span>\n                            <span class=\"vgov-dashboard-tab\">Morosidad<\/span>\n                            <span class=\"vgov-dashboard-tab\">Alertas<\/span>\n                            <span class=\"vgov-dashboard-tab\">Reportes<\/span>\n                        <\/div>\n                    <\/div>\n\n                    <!-- Sidebar -->\n                    <div class=\"vgov-dashboard-sidebar\">\n                        <span class=\"vgov-sidebar-icon vgov-active\"><\/span>\n                        <span class=\"vgov-sidebar-icon\"><\/span>\n                        <span class=\"vgov-sidebar-icon\"><\/span>\n                        <span class=\"vgov-sidebar-icon\"><\/span>\n                        <span class=\"vgov-sidebar-icon\"><\/span>\n                    <\/div>\n\n                    <!-- Burbujas tem\u00e1ticas -->\n                    <div class=\"vgov-bubble-area\">\n                        <div class=\"vgov-bubble vgov-red\" style=\"top: 5%; left: 5%; width: 70px; height: 70px;\">#morosidad<\/div>\n                        <div class=\"vgov-bubble vgov-orange\" style=\"top: 0%; left: 33%; width: 80px; height: 80px;\">#deudas<\/div>\n                        <div class=\"vgov-bubble vgov-navy\" style=\"top: 8%; left: 62%; width: 65px; height: 65px;\">#score<\/div>\n                        <div class=\"vgov-bubble vgov-blue\" style=\"top: 38%; left: 22%; width: 75px; height: 75px;\">#tarjetas<\/div>\n                        <div class=\"vgov-bubble vgov-teal\" style=\"top: 40%; left: 50%; width: 85px; height: 85px;\">#pr\u00e9stamos<\/div>\n                        <div class=\"vgov-bubble vgov-purple\" style=\"top: 18%; left: 72%; width: 55px; height: 55px;\">#SUNAT<\/div>\n                        <div class=\"vgov-bubble vgov-green\" style=\"top: 62%; left: 10%; width: 60px; height: 60px;\">#ahorro<\/div>\n                        <div class=\"vgov-bubble vgov-gray\" style=\"top: 65%; left: 40%; width: 55px; height: 55px;\">#inversi\u00f3n<\/div>\n                        <div class=\"vgov-bubble vgov-green\" style=\"top: 55%; left: 68%; width: 50px; height: 50px;\">#metas<\/div>\n                        <div class=\"vgov-results-badge\">4,931 casos<\/div>\n                    <\/div>\n\n                    <!-- Iconos de categor\u00edas -->\n                    <div class=\"vgov-platform-row\">\n                        <span class=\"vgov-platform-icon\" title=\"Tarjetas\">TC<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Pr\u00e9stamos\">PR<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Hipoteca\">HP<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Ahorro\">AH<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Inversi\u00f3n\">IN<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Score\">SC<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"SUNAT\">SU<\/span>\n                        <span class=\"vgov-platform-icon\" title=\"Seguros\">SG<\/span>\n                    <\/div>\n\n                <\/div>\n\n                <!-- Widget foto (equipo municipal) -->\n                <div class=\"vgov-photo-widget\">\n                    <div class=\"vgov-photo-placeholder\">\ud83c\udfdb\ufe0f<\/div>\n                <\/div>\n\n                <!-- Score badge -->\n                <div class=\"vgov-score-badge\">\n                    <div class=\"vgov-label\">Score<\/div>\n                    <div class=\"vgov-value\">\n                        +45\n                        <span class=\"vgov-arrow\">\u2191<\/span>\n                    <\/div>\n                    <div class=\"vgov-sub\">Subiendo<\/div>\n                <\/div>\n\n                <!-- Search bar -->\n                <div class=\"vgov-search-bar\">\n                    <span class=\"vgov-icon\">\ud83d\udd0d<\/span>\n                    <span class=\"vgov-placeholder\">Morosidad en mi distrito<\/span>\n                <\/div>\n\n                <!-- Heart badge -->\n                <div class=\"vgov-heart-badge\">\n                    <span class=\"vgov-heart\">\u2764\ufe0f<\/span>\n                    <span class=\"vgov-count\">+100<\/span>\n                <\/div>\n\n            <\/div>\n        <\/div>\n\n        <!-- ========== COLUMNA DERECHA: Texto ========== -->\n        <div class=\"vgov-right-col\">\n            <h1 class=\"vgov-headline\">\n                Programa de salud financiera seguro y transparente para\n                <span class=\"vgov-highlight\">municipalidades de la Selva Central.<\/span>\n            <\/h1>\n            <p class=\"vgov-body-text\">\n                Empodera a tu municipalidad para <strong>mejorar la vida financiera de tus ciudadanos<\/strong>. Valora te ayuda a detectar focos de morosidad, prevenir crisis familiares y construir una cultura de ahorro regional con <strong>datos reales, transparencia total y cumplimiento normativo<\/strong>.\n            <\/p>\n            <div class=\"vgov-cta-row\">\n                <a href=\"#municipalidad\" class=\"vgov-btn vgov-btn-primary\">\n                    Agendar reuni\u00f3n\n                <\/a>\n                <a href=\"#programa\" class=\"vgov-link-secondary\">\n                    Ver el programa\n                <\/a>\n            <\/div>\n            <p class=\"vgov-fine-print\">\n                Convenio con SBS \u00b7 Ley N\u00b0 29733 \u00b7 Sin costo para el municipio\n            <\/p>\n        <\/div>\n\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vgov-widget');\n        if (!widget) return;\n\n        \/\/ Burbujas clickeables\n        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rel=\"stylesheet\">\n\n<!-- Contenedor Aislado Valora Government Trust -->\n<div id=\"vtrust-gov-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Government Trust\n           ========================================= *\/\n        #vtrust-gov-widget {\n            --vtrust-navy: #0b1f3a;\n            --vtrust-blue: #1a4f8a;\n            --vtrust-charcoal: #4b5563;\n            --vtrust-white: #ffffff;\n            --vtrust-off-white: #f8fafc;\n            --vtrust-gray-100: #f1f5f9;\n            --vtrust-gray-200: #e2e8f0;\n            --vtrust-blue-light: #dbeafe;\n            --vtrust-green: #16a34a;\n            --vtrust-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vtrust-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n            --vtrust-radius: 12px;\n            --vtrust-transition: 0.3s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vtrust-white);\n            color: var(--vtrust-charcoal);\n            line-height: 1.6;\n            -webkit-font-smoothing: antialiased;\n            -moz-osx-font-smoothing: grayscale;\n            margin: 0 auto;\n            width: 100%;\n            box-sizing: border-box;\n        }\n\n        #vtrust-gov-widget *,\n        #vtrust-gov-widget *::before,\n        #vtrust-gov-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vtrust-gov-widget h2,\n        #vtrust-gov-widget h3,\n        #vtrust-gov-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vtrust-gov-widget .vtrust-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        \/* ========== TOP TIER: Trust + Logos ========== *\/\n        #vtrust-gov-widget .vtrust-top-tier {\n            display: flex;\n            align-items: center;\n            justify-content: space-between;\n            gap: 40px;\n            margin-bottom: 64px;\n            flex-wrap: wrap;\n            padding-bottom: 40px;\n            border-bottom: 1px solid var(--vtrust-gray-200);\n        }\n\n        #vtrust-gov-widget .vtrust-trust-text {\n            flex: 1 1 40%;\n            font-size: clamp(1.4rem, 2.5vw, 1.85rem);\n            font-weight: 800;\n            color: var(--vtrust-navy);\n            line-height: 1.25;\n            letter-spacing: -0.02em;\n        }\n\n        #vtrust-gov-widget .vtrust-trust-text .vtrust-highlight {\n            color: var(--vtrust-blue);\n            display: block;\n            margin-top: 4px;\n        }\n\n        #vtrust-gov-widget .vtrust-logo-row {\n            flex: 1 1 55%;\n            display: flex;\n            justify-content: space-between;\n            align-items: center;\n            gap: 16px;\n            flex-wrap: wrap;\n        }\n\n        #vtrust-gov-widget .vtrust-gov-pill {\n            display: inline-flex;\n            align-items: center;\n            gap: 6px;\n            padding: 8px 14px;\n            border: 2px solid var(--vtrust-gray-200);\n            border-radius: 999px;\n            font-size: 0.8rem;\n            font-weight: 800;\n            letter-spacing: -0.01em;\n            color: #64748b;\n            background: var(--vtrust-off-white);\n            transition: all var(--vtrust-transition);\n            cursor: pointer;\n            white-space: nowrap;\n        }\n\n        #vtrust-gov-widget .vtrust-gov-pill:hover {\n            border-color: var(--vtrust-blue);\n            color: var(--vtrust-blue);\n            background: var(--vtrust-white);\n            transform: translateY(-2px);\n            box-shadow: var(--vtrust-shadow-sm);\n        }\n\n        #vtrust-gov-widget .vtrust-gov-pill i {\n            font-size: 0.85rem;\n            color: #94a3b8;\n            transition: color var(--vtrust-transition);\n        }\n\n        #vtrust-gov-widget .vtrust-gov-pill:hover i {\n            color: var(--vtrust-blue);\n        }\n\n        \/* ========== BOTTOM TIER: Grid de Stats ========== *\/\n        #vtrust-gov-widget .vtrust-grid {\n            display: grid;\n            grid-template-columns: repeat(3, 1fr);\n            gap: 0;\n            position: relative;\n        }\n\n        \/* Divisores verticales *\/\n        #vtrust-gov-widget .vtrust-grid::before,\n        #vtrust-gov-widget .vtrust-grid::after {\n            content: \"\";\n            position: absolute;\n            top: 0;\n            bottom: 0;\n            width: 1px;\n            background-color: var(--vtrust-gray-200);\n        }\n\n        #vtrust-gov-widget .vtrust-grid::before { left: 33.333%; }\n        #vtrust-gov-widget .vtrust-grid::after { left: 66.666%; }\n\n        \/* Columna de resultado *\/\n        #vtrust-gov-widget .vtrust-result-col {\n            padding: 0 32px;\n            display: flex;\n            flex-direction: column;\n            align-items: flex-start;\n            transition: transform var(--vtrust-transition), box-shadow var(--vtrust-transition);\n            border-radius: var(--vtrust-radius);\n            cursor: pointer;\n        }\n\n        #vtrust-gov-widget .vtrust-result-col:hover {\n            transform: translateY(-4px);\n            box-shadow: var(--vtrust-shadow-md);\n        }\n\n        #vtrust-gov-widget .vtrust-stat {\n            font-size: clamp(2.25rem, 4.5vw, 3.25rem);\n            font-weight: 800;\n            color: var(--vtrust-blue);\n            letter-spacing: -0.025em;\n            margin-bottom: 16px;\n            line-height: 1.1;\n        }\n\n        #vtrust-gov-widget .vtrust-stat-green {\n            color: var(--vtrust-green);\n        }\n\n        #vtrust-gov-widget .vtrust-body {\n            font-size: 1rem;\n            color: var(--vtrust-charcoal);\n            margin-bottom: 24px;\n            line-height: 1.7;\n            flex-grow: 1;\n        }\n\n        #vtrust-gov-widget .vtrust-body strong {\n            color: var(--vtrust-navy);\n            font-weight: 700;\n        }\n\n        \/* Logo inferior (pill) *\/\n        #vtrust-gov-widget .vtrust-bottom-logo {\n            margin-top: auto;\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            font-weight: 800;\n            font-size: 0.8rem;\n            letter-spacing: 0.02em;\n            color: var(--vtrust-blue);\n            background: var(--vtrust-blue-light);\n            padding: 7px 14px;\n            border-radius: 999px;\n            transition: transform var(--vtrust-transition), background-color var(--vtrust-transition);\n            text-transform: uppercase;\n        }\n\n        #vtrust-gov-widget .vtrust-bottom-logo:hover {\n            transform: scale(1.05);\n            background: var(--vtrust-blue);\n            color: var(--vtrust-white);\n        }\n\n        #vtrust-gov-widget .vtrust-bottom-logo i {\n            font-size: 0.75rem;\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vtrust-gov-widget .vtrust-top-tier {\n                flex-direction: column;\n                align-items: flex-start;\n                gap: 28px;\n            }\n            #vtrust-gov-widget .vtrust-trust-text {\n                flex: 1 1 100%;\n            }\n            #vtrust-gov-widget .vtrust-logo-row {\n                flex: 1 1 100%;\n                justify-content: flex-start;\n            }\n            #vtrust-gov-widget .vtrust-result-col {\n                padding: 0 20px;\n            }\n        }\n\n        @media (max-width: 768px) {\n            #vtrust-gov-widget .vtrust-section {\n                padding: 56px 20px;\n            }\n            #vtrust-gov-widget .vtrust-grid {\n                grid-template-columns: 1fr;\n                gap: 40px;\n                max-width: 500px;\n                margin: 0 auto;\n            }\n            #vtrust-gov-widget .vtrust-grid::before,\n            #vtrust-gov-widget .vtrust-grid::after {\n                display: none;\n            }\n            #vtrust-gov-widget .vtrust-result-col {\n                padding: 0;\n                align-items: center;\n                text-align: center;\n            }\n            #vtrust-gov-widget .vtrust-stat,\n            #vtrust-gov-widget .vtrust-body {\n                text-align: center;\n            }\n            #vtrust-gov-widget .vtrust-logo-row {\n                gap: 10px;\n                justify-content: center;\n            }\n        }\n\n        @media (max-width: 480px) {\n            #vtrust-gov-widget .vtrust-gov-pill {\n                padding: 6px 12px;\n                font-size: 0.7rem;\n            }\n            #vtrust-gov-widget .vtrust-gov-pill i {\n                font-size: 0.75rem;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vtrust-gov-widget .vtrust-result-col,\n            #vtrust-gov-widget .vtrust-gov-pill,\n            #vtrust-gov-widget .vtrust-bottom-logo {\n                transition: none;\n            }\n            #vtrust-gov-widget .vtrust-result-col:hover,\n            #vtrust-gov-widget .vtrust-gov-pill:hover,\n            #vtrust-gov-widget .vtrust-bottom-logo:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vtrust-section\" aria-label=\"Confianza gubernamental y resultados regionales\">\n\n        <!-- ========== TOP TIER: Trust + Logos ========== -->\n        <div class=\"vtrust-top-tier\">\n            <div class=\"vtrust-trust-text\">\n                Con la confianza de\n                <span class=\"vtrust-highlight\">municipalidades y entidades p\u00fablicas<\/span>\n                de la Selva Central\n            <\/div>\n            <div class=\"vtrust-logo-row\">\n                <span class=\"vtrust-gov-pill\" title=\"Municipalidad de Satipo\">\n                    <i class=\"fa-solid fa-landmark\"><\/i>\n                    Satipo\n                <\/span>\n                <span class=\"vtrust-gov-pill\" title=\"Municipalidad de Chanchamayo\">\n                    <i class=\"fa-solid fa-landmark\"><\/i>\n                    Chanchamayo\n                <\/span>\n                <span class=\"vtrust-gov-pill\" title=\"Municipalidad de La Merced\">\n                    <i class=\"fa-solid fa-landmark\"><\/i>\n                    La Merced\n                <\/span>\n                <span class=\"vtrust-gov-pill\" title=\"Municipalidad de Pichanaki\">\n                    <i class=\"fa-solid fa-landmark\"><\/i>\n                    Pichanaki\n                <\/span>\n                <span class=\"vtrust-gov-pill\" title=\"Regi\u00f3n Jun\u00edn\">\n                    <i class=\"fa-solid fa-map-location-dot\"><\/i>\n                    Jun\u00edn\n                <\/span>\n                <span class=\"vtrust-gov-pill\" title=\"Superintendencia de Banca y Seguros\">\n                    <i class=\"fa-solid fa-shield-halved\"><\/i>\n                    SBS\n                <\/span>\n            <\/div>\n        <\/div>\n\n        <!-- ========== BOTTOM TIER: 3 Stats ========== -->\n        <div class=\"vtrust-grid\">\n\n            <!-- Columna 1: Reducci\u00f3n de morosidad -->\n            <article class=\"vtrust-result-col\" tabindex=\"0\">\n                <div class=\"vtrust-stat\">-4.6%<\/div>\n                <p class=\"vtrust-body\">\n                    Las municipalidades aliadas a Valora redujeron su <strong>tasa de morosidad regional<\/strong> en un 4.6% durante el primer a\u00f1o del programa, gracias al acompa\u00f1amiento personalizado a familias endeudadas.\n                <\/p>\n                <span class=\"vtrust-bottom-logo\">\n                    <i class=\"fa-solid fa-chart-line\"><\/i>\n                    Impacto regional\n                <\/span>\n            <\/article>\n\n            <!-- Columna 2: Familias acompa\u00f1adas -->\n            <article class=\"vtrust-result-col\" tabindex=\"0\">\n                <div class=\"vtrust-stat vtrust-stat-green\">+100<\/div>\n                <p class=\"vtrust-body\">\n                    M\u00e1s de <strong>100 familias<\/strong> de la Selva Central ya transformaron sus finanzas con el programa municipal. Pasaron de la deuda al ahorro y hoy construyen patrimonio sostenible.\n                <\/p>\n                <span class=\"vtrust-bottom-logo\">\n                    <i class=\"fa-solid fa-users\"><\/i>\n                    Familias transformadas\n                <\/span>\n            <\/article>\n\n            <!-- Columna 3: Ahorro promedio -->\n            <article class=\"vtrust-result-col\" tabindex=\"0\">\n                <div class=\"vtrust-stat\">S\/ 12,000<\/div>\n                <p class=\"vtrust-body\">\n                    El ahorro promedio por familia acompa\u00f1ada durante 12 meses es de <strong>S\/ 12,000<\/strong>, dinero que antes se destinaba a deudas con intereses altos y hoy se reinvierte en educaci\u00f3n, salud o emprendimiento.\n                <\/p>\n                <span class=\"vtrust-bottom-logo\">\n                    <i class=\"fa-solid fa-piggy-bank\"><\/i>\n                    Ahorro promedio\n                <\/span>\n            <\/article>\n\n        <\/div>\n\n    <\/section>\n<\/div>\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<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vtrust-gov-widget');\n        if (!widget) return;\n\n        \/\/ Columnas clickeables\n        widget.querySelectorAll('.vtrust-result-col').forEach(col => {\n            col.addEventListener('click', function() {\n                console.log('Abrir caso de estudio (simulado)');\n            });\n            col.addEventListener('keydown', function(e) {\n                if (e.key === 'Enter' || e.key === ' ') {\n                    e.preventDefault();\n                    this.click();\n                }\n            });\n        });\n    })();\n<\/script>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Fuente + Font Awesome -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;600;700;800&#038;display=swap\" rel=\"stylesheet\">\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 Comunicaci\u00f3n Municipal -->\n<div id=\"vcomm-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Comunicaci\u00f3n Municipal\n           ========================================= *\/\n        #vcomm-widget {\n            --vcomm-navy: #0b1f3a;\n            --vcomm-blue: #1a4f8a;\n            --vcomm-blue-hover: #163c6b;\n            --vcomm-blue-light: #dbeafe;\n            --vcomm-charcoal: #4b5563;\n            --vcomm-white: #ffffff;\n            --vcomm-off-white: #f8fafc;\n            --vcomm-gray-100: #f1f5f9;\n            --vcomm-gray-200: #e2e8f0;\n            --vcomm-green: #16a34a;\n            --vcomm-green-bg: #dcfce7;\n            --vcomm-red: #dc2626;\n            --vcomm-orange: #f59e0b;\n            --vcomm-purple: #7c3aed;\n            --vcomm-teal: #0891b2;\n            --vcomm-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vcomm-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.10);\n            --vcomm-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.14);\n            --vcomm-radius-sm: 8px;\n            --vcomm-radius-md: 12px;\n            --vcomm-radius-lg: 16px;\n            --vcomm-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(--vcomm-white);\n            color: var(--vcomm-charcoal);\n            line-height: 1.6;\n            -webkit-font-smoothing: antialiased;\n            -moz-osx-font-smoothing: grayscale;\n            width: 100%;\n            box-sizing: border-box;\n        }\n\n        #vcomm-widget *,\n        #vcomm-widget *::before,\n        #vcomm-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vcomm-widget h1,\n        #vcomm-widget h2,\n        #vcomm-widget h3,\n        #vcomm-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vcomm-widget button {\n            font-family: inherit;\n            outline: none;\n        }\n\n        #vcomm-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vcomm-widget .vcomm-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        \/* ========== HEADER ========== *\/\n        #vcomm-widget .vcomm-header {\n            text-align: center;\n            max-width: 900px;\n            margin: 0 auto 64px;\n        }\n\n        #vcomm-widget .vcomm-header h2 {\n            font-size: clamp(1.75rem, 4vw, 2.75rem);\n            font-weight: 800;\n            color: var(--vcomm-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.2;\n            margin-bottom: 16px;\n        }\n\n        #vcomm-widget .vcomm-header p {\n            font-size: 1.1rem;\n            color: var(--vcomm-charcoal);\n            line-height: 1.7;\n            max-width: 720px;\n            margin: 0 auto;\n        }\n\n        \/* ========== GRID ========== *\/\n        #vcomm-widget .vcomm-grid {\n            display: grid;\n            grid-template-columns: 0.9fr 1.1fr;\n            gap: 56px;\n            align-items: start;\n        }\n\n        \/* ========== COLUMNA IZQUIERDA: DASHBOARD ========== *\/\n        #vcomm-widget .vcomm-dashboard-panel {\n            background: linear-gradient(145deg, var(--vcomm-blue-light) 0%, #bfdbfe 100%);\n            border-radius: var(--vcomm-radius-lg);\n            padding: 24px;\n            min-height: 480px;\n            box-shadow: var(--vcomm-shadow-md);\n            position: relative;\n            overflow: hidden;\n        }\n\n        #vcomm-widget .vcomm-dashboard-state {\n            display: none;\n            animation: vcommFadeIn 0.4s ease;\n            height: 100%;\n            min-height: 430px;\n            position: relative;\n        }\n\n        #vcomm-widget .vcomm-dashboard-state.vcomm-active {\n            display: block;\n        }\n\n        @keyframes vcommFadeIn {\n            from { opacity: 0; transform: translateY(10px); }\n            to { opacity: 1; transform: translateY(0); }\n        }\n\n        \/* ===== State 1: Mapa de calor de morosidad ===== *\/\n        #vcomm-widget .vcomm-heatmap-title {\n            font-weight: 800;\n            color: var(--vcomm-navy);\n            font-size: 0.9rem;\n            margin-bottom: 14px;\n            display: flex;\n            align-items: center;\n            gap: 8px;\n        }\n\n        #vcomm-widget .vcomm-heatmap-title::before {\n            content: \"\";\n            width: 8px;\n            height: 8px;\n            background: var(--vcomm-red);\n            border-radius: 50%;\n        }\n\n        #vcomm-widget .vcomm-heatmap-grid {\n            display: grid;\n            grid-template-columns: repeat(7, 1fr);\n            gap: 4px;\n            margin-bottom: 16px;\n        }\n\n        #vcomm-widget .vcomm-heatmap-cell {\n            aspect-ratio: 1;\n            background: rgba(255, 255, 255, 0.4);\n            border-radius: 3px;\n            transition: background-color 0.2s ease;\n        }\n\n        #vcomm-widget .vcomm-heatmap-cell.vcomm-high { background: #dc2626; }\n        #vcomm-widget .vcomm-heatmap-cell.vcomm-medium { background: #f59e0b; }\n        #vcomm-widget .vcomm-heatmap-cell.vcomm-low { background: #86efac; }\n\n        \/* Badges flotantes *\/\n        #vcomm-widget .vcomm-floating-badge {\n            position: absolute;\n            background: var(--vcomm-white);\n            border-radius: var(--vcomm-radius-sm);\n            box-shadow: var(--vcomm-shadow-md);\n            padding: 8px 14px;\n            z-index: 5;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n            font-weight: 700;\n            color: var(--vcomm-charcoal);\n            font-size: 0.8rem;\n        }\n\n        #vcomm-widget .vcomm-heart-badge {\n            top: 15px;\n            right: 15px;\n            background: var(--vcomm-blue);\n            color: white;\n            border-radius: 999px;\n            padding: 6px 12px;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n            font-size: 0.8rem;\n            font-weight: 800;\n            box-shadow: var(--vcomm-shadow-md);\n            z-index: 6;\n        }\n\n        #vcomm-widget .vcomm-heart-badge i {\n            font-size: 0.85rem;\n        }\n\n        #vcomm-widget .vcomm-alert-badge {\n            bottom: 15px;\n            right: 15px;\n            background: var(--vcomm-white);\n            border-left: 4px solid var(--vcomm-orange);\n            animation: vcommFloat 4s ease-in-out infinite alternate;\n        }\n\n        #vcomm-widget .vcomm-line-graph {\n            width: 100%;\n            height: 90px;\n            margin-top: 12px;\n            position: relative;\n        }\n\n        #vcomm-widget .vcomm-line-graph svg {\n            width: 100%;\n            height: 100%;\n        }\n\n        \/* ===== State 2: Burbujas de deuda ===== *\/\n        #vcomm-widget .vcomm-bubble-area {\n            position: relative;\n            height: 400px;\n            width: 100%;\n        }\n\n        #vcomm-widget .vcomm-bubble {\n            position: absolute;\n            border-radius: 50%;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            text-align: center;\n            font-weight: 700;\n            color: white;\n            font-size: 0.7rem;\n            box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);\n            cursor: pointer;\n            transition: transform 0.2s ease;\n            padding: 0 8px;\n            line-height: 1.2;\n        }\n\n        #vcomm-widget .vcomm-bubble:hover {\n            transform: scale(1.08);\n        }\n\n        #vcomm-widget .vcomm-bubble.vcomm-blue { background: var(--vcomm-blue); }\n        #vcomm-widget .vcomm-bubble.vcomm-purple { background: var(--vcomm-purple); }\n        #vcomm-widget .vcomm-bubble.vcomm-orange { background: var(--vcomm-orange); }\n        #vcomm-widget .vcomm-bubble.vcomm-light { background: #93c5fd; color: #1e3a8a; }\n        #vcomm-widget .vcomm-bubble.vcomm-red { background: var(--vcomm-red); }\n\n        #vcomm-widget .vcomm-results-badge {\n            top: 10px;\n            right: 10px;\n            background: white;\n            border-radius: 20px;\n            padding: 6px 12px;\n            font-weight: 700;\n            box-shadow: var(--vcomm-shadow-md);\n            font-size: 0.7rem;\n            color: var(--vcomm-navy);\n        }\n\n        \/* ===== State 3: Dona de distribuci\u00f3n ===== *\/\n        #vcomm-widget .vcomm-donut-container {\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            gap: 24px;\n            flex-wrap: wrap;\n            padding-top: 40px;\n        }\n\n        #vcomm-widget .vcomm-donut-chart {\n            width: 180px;\n            height: 180px;\n            border-radius: 50%;\n            background: conic-gradient(\n                var(--vcomm-green) 0 72%,\n                var(--vcomm-orange) 72% 90%,\n                var(--vcomm-red) 90% 100%\n            );\n            position: relative;\n        }\n\n        #vcomm-widget .vcomm-donut-chart .vcomm-donut-hole {\n            position: absolute;\n            top: 50%;\n            left: 50%;\n            transform: translate(-50%, -50%);\n            width: 90px;\n            height: 90px;\n            background: var(--vcomm-white);\n            border-radius: 50%;\n            display: flex;\n            flex-direction: column;\n            align-items: center;\n            justify-content: center;\n            font-weight: 800;\n            color: var(--vcomm-navy);\n            box-shadow: inset 0 2px 6px rgba(11, 31, 58, 0.08);\n        }\n\n        #vcomm-widget .vcomm-donut-hole-value {\n            font-size: 1.5rem;\n            line-height: 1;\n        }\n\n        #vcomm-widget .vcomm-donut-hole-label {\n            font-size: 0.6rem;\n            color: #64748b;\n            font-weight: 600;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            margin-top: 2px;\n        }\n\n        #vcomm-widget .vcomm-metrics-cards {\n            display: flex;\n            flex-direction: column;\n            gap: 12px;\n        }\n\n        #vcomm-widget .vcomm-metric-card {\n            background: white;\n            border-radius: var(--vcomm-radius-sm);\n            padding: 12px 16px;\n            box-shadow: var(--vcomm-shadow-sm);\n            text-align: left;\n            min-width: 140px;\n        }\n\n        #vcomm-widget .vcomm-metric-card .vcomm-value {\n            font-size: 1.25rem;\n            font-weight: 800;\n            color: var(--vcomm-navy);\n            line-height: 1;\n        }\n\n        #vcomm-widget .vcomm-metric-card .vcomm-label {\n            font-size: 0.65rem;\n            color: #94a3b8;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            font-weight: 700;\n            margin-bottom: 4px;\n        }\n\n        #vcomm-widget .vcomm-metric-card .vcomm-positive {\n            color: var(--vcomm-green);\n            font-weight: 700;\n            font-size: 0.75rem;\n        }\n\n        #vcomm-widget .vcomm-metric-card .vcomm-negative {\n            color: var(--vcomm-red);\n            font-weight: 700;\n            font-size: 0.75rem;\n        }\n\n        \/* ===== State 4: Bandeja unificada ===== *\/\n        #vcomm-widget .vcomm-inbox-message {\n            background: white;\n            border-radius: var(--vcomm-radius-md);\n            padding: 16px;\n            box-shadow: var(--vcomm-shadow-md);\n            margin-bottom: 16px;\n            position: relative;\n        }\n\n        #vcomm-widget .vcomm-inbox-message .vcomm-sender {\n            font-weight: 700;\n            color: var(--vcomm-navy);\n            margin-bottom: 6px;\n            font-size: 0.85rem;\n            display: flex;\n            align-items: center;\n            gap: 6px;\n        }\n\n        #vcomm-widget .vcomm-inbox-message .vcomm-sender::before {\n            content: \"\";\n            width: 8px;\n            height: 8px;\n            border-radius: 50%;\n            background: var(--vcomm-green);\n        }\n\n        #vcomm-widget .vcomm-inbox-message p {\n            font-size: 0.85rem;\n            color: var(--vcomm-charcoal);\n            line-height: 1.5;\n        }\n\n        #vcomm-widget .vcomm-inbox-widget {\n            background: white;\n            border-radius: var(--vcomm-radius-md);\n            padding: 16px;\n            box-shadow: var(--vcomm-shadow-md);\n        }\n\n        #vcomm-widget .vcomm-inbox-header {\n            font-weight: 800;\n            color: var(--vcomm-navy);\n            margin-bottom: 10px;\n            font-size: 0.75rem;\n            letter-spacing: 0.05em;\n            text-transform: uppercase;\n        }\n\n        #vcomm-widget .vcomm-inbox-item {\n            display: flex;\n            align-items: center;\n            justify-content: space-between;\n            padding: 8px 0;\n            font-size: 0.8rem;\n            border-bottom: 1px solid var(--vcomm-gray-200);\n        }\n\n        #vcomm-widget .vcomm-inbox-item:last-child {\n            border-bottom: none;\n        }\n\n        #vcomm-widget .vcomm-inbox-item.vcomm-active {\n            background: var(--vcomm-blue-light);\n            margin: 0 -8px;\n            padding: 8px;\n            border-radius: 6px;\n            font-weight: 700;\n            color: var(--vcomm-navy);\n        }\n\n        \/* ========== COLUMNA DERECHA: ACORDE\u00d3N ========== *\/\n        #vcomm-widget .vcomm-accordion {\n            display: flex;\n            flex-direction: column;\n        }\n\n        #vcomm-widget .vcomm-accordion-item {\n            border-bottom: 1px solid var(--vcomm-gray-200);\n        }\n\n        #vcomm-widget .vcomm-accordion-item:first-child {\n            border-top: 1px solid var(--vcomm-gray-200);\n        }\n\n        #vcomm-widget .vcomm-trigger {\n            display: flex;\n            align-items: center;\n            justify-content: space-between;\n            width: 100%;\n            padding: 22px 0;\n            background: none;\n            border: none;\n            cursor: pointer;\n            text-align: left;\n            font-size: 1.05rem;\n            font-weight: 700;\n            color: var(--vcomm-navy);\n            transition: color var(--vcomm-transition);\n            gap: 16px;\n            line-height: 1.4;\n        }\n\n        #vcomm-widget .vcomm-trigger:hover {\n            color: var(--vcomm-blue);\n        }\n\n        #vcomm-widget .vcomm-trigger.vcomm-active {\n            color: var(--vcomm-blue);\n        }\n\n        #vcomm-widget .vcomm-chevron {\n            flex-shrink: 0;\n            width: 22px;\n            height: 22px;\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            color: var(--vcomm-navy);\n            transition: transform var(--vcomm-transition), color var(--vcomm-transition);\n        }\n\n        #vcomm-widget .vcomm-trigger.vcomm-active .vcomm-chevron {\n            transform: rotate(180deg);\n            color: var(--vcomm-blue);\n        }\n\n        #vcomm-widget .vcomm-chevron svg {\n            width: 100%;\n            height: 100%;\n            fill: currentColor;\n        }\n\n        #vcomm-widget .vcomm-content {\n            max-height: 0;\n            overflow: hidden;\n            transition: max-height 0.5s ease, padding 0.5s ease;\n            padding: 0;\n        }\n\n        #vcomm-widget .vcomm-content.vcomm-open {\n            max-height: 500px;\n            padding: 0 0 22px 0;\n        }\n\n        #vcomm-widget .vcomm-content-inner {\n            font-size: 0.98rem;\n            color: var(--vcomm-charcoal);\n            line-height: 1.7;\n        }\n\n        #vcomm-widget .vcomm-content-inner strong {\n            color: var(--vcomm-navy);\n            font-weight: 700;\n        }\n\n        \/* ========== CTA ========== *\/\n        #vcomm-widget .vcomm-cta-row {\n            margin-top: 32px;\n            display: flex;\n            align-items: center;\n            gap: 24px;\n            flex-wrap: wrap;\n        }\n\n        #vcomm-widget .vcomm-btn {\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            padding: 14px 28px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: var(--vcomm-radius-sm);\n            cursor: pointer;\n            transition: all var(--vcomm-transition);\n            text-align: center;\n            white-space: nowrap;\n            border: 2px solid transparent;\n        }\n\n        #vcomm-widget .vcomm-btn-primary {\n            background-color: var(--vcomm-blue);\n            color: var(--vcomm-white);\n            border-color: var(--vcomm-blue);\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vcomm-widget .vcomm-btn-primary:hover {\n            background-color: var(--vcomm-navy);\n            border-color: var(--vcomm-navy);\n            box-shadow: var(--vcomm-shadow-md);\n            transform: translateY(-2px);\n        }\n\n        #vcomm-widget .vcomm-link-secondary {\n            font-size: 1rem;\n            font-weight: 700;\n            color: var(--vcomm-navy);\n            text-decoration: underline;\n            text-underline-offset: 4px;\n            text-decoration-thickness: 2px;\n            transition: color 0.2s ease;\n        }\n\n        #vcomm-widget .vcomm-link-secondary:hover {\n            color: var(--vcomm-blue);\n        }\n\n        \/* ========== ANIMACIONES ========== *\/\n        @keyframes vcommFloat {\n            0% { transform: translateY(0); }\n            100% { transform: translateY(-8px); }\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vcomm-widget .vcomm-grid {\n                grid-template-columns: 1fr;\n                gap: 40px;\n            }\n            #vcomm-widget .vcomm-dashboard-panel {\n                max-width: 600px;\n                margin: 0 auto;\n                min-height: 440px;\n            }\n            #vcomm-widget .vcomm-dashboard-state {\n                min-height: 390px;\n            }\n        }\n\n        @media (max-width: 600px) {\n            #vcomm-widget .vcomm-section {\n                padding: 48px 16px;\n            }\n            #vcomm-widget .vcomm-dashboard-panel {\n                padding: 16px;\n                min-height: 400px;\n            }\n            #vcomm-widget .vcomm-dashboard-state {\n                min-height: 360px;\n            }\n            #vcomm-widget .vcomm-heatmap-grid {\n                grid-template-columns: repeat(5, 1fr);\n            }\n            #vcomm-widget .vcomm-donut-chart {\n                width: 140px;\n                height: 140px;\n            }\n            #vcomm-widget .vcomm-donut-hole {\n                width: 70px;\n                height: 70px;\n            }\n            #vcomm-widget .vcomm-donut-hole-value {\n                font-size: 1.1rem;\n            }\n            #vcomm-widget .vcomm-cta-row {\n                flex-direction: column;\n                align-items: stretch;\n                gap: 14px;\n            }\n            #vcomm-widget .vcomm-btn {\n                width: 100%;\n                justify-content: center;\n            }\n            #vcomm-widget .vcomm-link-secondary {\n                text-align: center;\n            }\n            #vcomm-widget .vcomm-trigger {\n                font-size: 0.95rem;\n                padding: 18px 0;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vcomm-widget .vcomm-dashboard-state,\n            #vcomm-widget .vcomm-alert-badge,\n            #vcomm-widget .vcomm-chevron,\n            #vcomm-widget .vcomm-content,\n            #vcomm-widget .vcomm-btn {\n                transition: none;\n                animation: none;\n            }\n            #vcomm-widget .vcomm-btn-primary:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vcomm-section\" aria-labelledby=\"vcomm-heading\">\n\n        <!-- Header -->\n        <div class=\"vcomm-header\">\n            <h2 id=\"vcomm-heading\">\n                La \u00fanica soluci\u00f3n integral para una gesti\u00f3n financiera municipal segura, transparente y basada en datos\n            <\/h2>\n            <p>\n                Protege los datos de tus ciudadanos, cumple con la normativa y mejora la salud financiera de tu distrito con Valora, la plataforma que cumple con los est\u00e1ndares del sector p\u00fablico sin ralentizar tu gesti\u00f3n.\n            <\/p>\n        <\/div>\n\n        <!-- Grid -->\n        <div class=\"vcomm-grid\">\n\n            <!-- ========== COLUMNA IZQUIERDA: DASHBOARD ========== -->\n            <div class=\"vcomm-dashboard-panel\" id=\"vcommDashboardPanel\">\n\n                <!-- ===== STATE 1: Mapa de calor de morosidad ===== -->\n                <div class=\"vcomm-dashboard-state vcomm-active\" data-state=\"1\">\n                    <div class=\"vcomm-heatmap-title\">Mapa de morosidad por distrito<\/div>\n                    <div class=\"vcomm-heatmap-grid\">\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-high\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-high\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-high\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-high\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-medium\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                        <div class=\"vcomm-heatmap-cell vcomm-low\"><\/div>\n                    <\/div>\n\n                    <div class=\"vcomm-heart-badge\">\n                        <i class=\"fa-solid fa-users\"><\/i>\n                        +100 familias\n                    <\/div>\n                    <div class=\"vcomm-floating-badge vcomm-alert-badge\">\n                        <i class=\"fa-solid fa-triangle-exclamation\" style=\"color: var(--vcomm-orange);\"><\/i>\n                        Alerta de morosidad\n                    <\/div>\n\n                    <div class=\"vcomm-line-graph\">\n                        <svg viewBox=\"0 0 200 60\" preserveAspectRatio=\"none\">\n                            <defs>\n                                <linearGradient id=\"vcommAreaGrad\" x1=\"0%\" y1=\"0%\" x2=\"0%\" y2=\"100%\">\n                                    <stop offset=\"0%\" stop-color=\"#1a4f8a\" stop-opacity=\"0.3\"><\/stop>\n                                    <stop offset=\"100%\" stop-color=\"#1a4f8a\" stop-opacity=\"0\"><\/stop>\n                                <\/linearGradient>\n                            <\/defs>\n                            <path d=\"M0,50 C20,45 40,40 60,42 C80,44 100,20 120,10 C140,5 160,25 200,30\"\n                                  fill=\"none\" stroke=\"#1a4f8a\" stroke-width=\"2\"><\/path>\n                            <path d=\"M0,50 C20,45 40,40 60,42 C80,44 100,20 120,10 C140,5 160,25 200,30 L200,60 L0,60 Z\"\n                                  fill=\"url(#vcommAreaGrad)\"><\/path>\n                            <line x1=\"120\" y1=\"10\" x2=\"200\" y2=\"30\" stroke=\"#4b5563\" stroke-dasharray=\"4 4\" stroke-width=\"1\"><\/line>\n                            <text x=\"150\" y=\"22\" font-size=\"7\" fill=\"#4b5563\" font-family=\"Inter, sans-serif\">Predicci\u00f3n<\/text>\n                            <text x=\"15\" y=\"55\" font-size=\"7\" fill=\"#64748b\" font-family=\"Inter, sans-serif\">Ene<\/text>\n                            <text x=\"100\" y=\"55\" font-size=\"7\" fill=\"#64748b\" font-family=\"Inter, sans-serif\">Jun<\/text>\n                            <text x=\"175\" y=\"55\" font-size=\"7\" fill=\"#64748b\" font-family=\"Inter, sans-serif\">Dic<\/text>\n                        <\/svg>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== STATE 2: Burbujas de deuda ===== -->\n                <div class=\"vcomm-dashboard-state\" data-state=\"2\">\n                    <div class=\"vcomm-results-badge\">4,931 casos<\/div>\n                    <div class=\"vcomm-bubble-area\">\n                        <div class=\"vcomm-bubble vcomm-red\" style=\"top: 5%; left: 15%; width: 90px; height: 90px;\">#morosidad<\/div>\n                        <div class=\"vcomm-bubble vcomm-orange\" style=\"top: 0%; left: 45%; width: 75px; height: 75px;\">#deudas<\/div>\n                        <div class=\"vcomm-bubble vcomm-blue\" style=\"top: 10%; left: 72%; width: 65px; height: 65px;\">#score<\/div>\n                        <div class=\"vcomm-bubble vcomm-purple\" style=\"top: 35%; left: 25%; width: 80px; height: 80px;\">#tarjetas<\/div>\n                        <div class=\"vcomm-bubble vcomm-blue\" style=\"top: 38%; left: 55%; width: 95px; height: 95px;\">#pr\u00e9stamos<\/div>\n                        <div class=\"vcomm-bubble vcomm-light\" style=\"top: 20%; left: 8%; width: 60px; height: 60px;\">#SUNAT<\/div>\n                        <div class=\"vcomm-bubble vcomm-light\" style=\"top: 65%; left: 35%; width: 70px; height: 70px;\">#ahorro<\/div>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== STATE 3: Dona de distribuci\u00f3n ===== -->\n                <div class=\"vcomm-dashboard-state\" data-state=\"3\">\n                    <div class=\"vcomm-donut-container\">\n                        <div class=\"vcomm-donut-chart\">\n                            <div class=\"vcomm-donut-hole\">\n                                <span class=\"vcomm-donut-hole-value\">78%<\/span>\n                                <span class=\"vcomm-donut-hole-label\">Recuperado<\/span>\n                            <\/div>\n                        <\/div>\n                        <div class=\"vcomm-metrics-cards\">\n                            <div class=\"vcomm-metric-card\">\n                                <div class=\"vcomm-label\">Score crediticio<\/div>\n                                <div class=\"vcomm-value\">+45 pts<\/div>\n                                <span class=\"vcomm-positive\">\n                                    <i class=\"fa-solid fa-arrow-trend-up\"><\/i> Subiendo\n                                <\/span>\n                            <\/div>\n                            <div class=\"vcomm-metric-card\">\n                                <div class=\"vcomm-label\">Ahorro acumulado<\/div>\n                                <div class=\"vcomm-value\">S\/ 12,000<\/div>\n                                <span class=\"vcomm-positive\">\n                                    <i class=\"fa-solid fa-arrow-trend-up\"><\/i> Promedio\n                                <\/span>\n                            <\/div>\n                            <div class=\"vcomm-metric-card\">\n                                <div class=\"vcomm-label\">Carta de no adeudo<\/div>\n                                <div class=\"vcomm-value\">+85%<\/div>\n                                <span class=\"vcomm-positive\">Casos exitosos<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <!-- ===== STATE 4: Bandeja ciudadana ===== -->\n                <div class=\"vcomm-dashboard-state\" data-state=\"4\">\n                    <div class=\"vcomm-inbox-message\">\n                        <div class=\"vcomm-sender\">Ciudadano \u00b7 WhatsApp<\/div>\n                        <p>Hola, quisiera saber si mi familia puede acceder al programa de salud financiera del municipio. Tenemos varias deudas y no sabemos por d\u00f3nde empezar&#8230;<\/p>\n                    <\/div>\n                    <div class=\"vcomm-inbox-widget\">\n                        <div class=\"vcomm-inbox-header\">Bandeja de atenci\u00f3n ciudadana<\/div>\n                        <div class=\"vcomm-inbox-item vcomm-active\">\n                            <span>Consultas nuevas<\/span>\n                            <span>21<\/span>\n                        <\/div>\n                        <div class=\"vcomm-inbox-item\">\n                            <span>En proceso<\/span>\n                            <span>13<\/span>\n                        <\/div>\n                        <div class=\"vcomm-inbox-item\">\n                            <span>Atendidas este mes<\/span>\n                            <span>46<\/span>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n            <\/div>\n\n            <!-- ========== COLUMNA DERECHA: ACORDE\u00d3N ========== -->\n            <div>\n                <div class=\"vcomm-accordion\" id=\"vcommAccordion\">\n\n                    <!-- Item 1 -->\n                    <div class=\"vcomm-accordion-item\" data-state=\"1\">\n                        <button class=\"vcomm-trigger vcomm-active\" aria-expanded=\"true\">\n                            <span>Diagn\u00f3stico financiero por distrito<\/span>\n                            <span class=\"vcomm-chevron\" aria-hidden=\"true\">\n                                <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>\n                            <\/span>\n                        <\/button>\n                        <div class=\"vcomm-content vcomm-open\">\n                            <div class=\"vcomm-content-inner\">\n                                Realizamos un <strong>diagn\u00f3stico financiero geolocalizado<\/strong> de cada distrito para identificar focos de morosidad, tipos de deuda y patrones de comportamiento. Con esta informaci\u00f3n, tu municipalidad puede dise\u00f1ar pol\u00edticas p\u00fablicas focalizadas y medir el impacto de cada intervenci\u00f3n.\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                    <!-- Item 2 -->\n                    <div class=\"vcomm-accordion-item\" data-state=\"2\">\n                        <button class=\"vcomm-trigger\" aria-expanded=\"false\">\n                            <span>An\u00e1lisis de morosidad por sector<\/span>\n                            <span class=\"vcomm-chevron\" aria-hidden=\"true\">\n                                <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>\n                            <\/span>\n                        <\/button>\n                        <div class=\"vcomm-content\">\n                            <div class=\"vcomm-content-inner\">\n                                Identifica <strong>qu\u00e9 tipo de deudas afectan m\u00e1s a cada sector<\/strong>: tarjetas de cr\u00e9dito, pr\u00e9stamos personales, deudas SUNAT, hipotecas. Nuestro sistema cruza datos de SBS, INEI y centrales de riesgo para darte una visi\u00f3n completa de la problem\u00e1tica financiera de tu comunidad.\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                    <!-- Item 3 -->\n                    <div class=\"vcomm-accordion-item\" data-state=\"3\">\n                        <button class=\"vcomm-trigger\" aria-expanded=\"false\">\n                            <span>Detecta focos de morosidad antes de que escalen<\/span>\n                            <span class=\"vcomm-chevron\" aria-hidden=\"true\">\n                                <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>\n                            <\/span>\n                        <\/button>\n                        <div class=\"vcomm-content\">\n                            <div class=\"vcomm-content-inner\">\n                                Nuestro sistema emite <strong>alertas tempranas<\/strong> cuando detecta incrementos an\u00f3malos de morosidad en un sector o distrito espec\u00edfico. As\u00ed puedes intervenir antes de que las familias caigan en ciclos de deuda dif\u00edciles de revertir, y demostrar a las autoridades el impacto medible de tus pol\u00edticas sociales.\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                    <!-- Item 4 -->\n                    <div class=\"vcomm-accordion-item\" data-state=\"4\">\n                        <button class=\"vcomm-trigger\" aria-expanded=\"false\">\n                            <span>Atenci\u00f3n al ciudadano por WhatsApp<\/span>\n                            <span class=\"vcomm-chevron\" aria-hidden=\"true\">\n                                <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>\n                            <\/span>\n                        <\/button>\n                        <div class=\"vcomm-content\">\n                            <div class=\"vcomm-content-inner\">\n                                Centraliza todas las <strong>consultas ciudadanas<\/strong> en una sola bandeja de WhatsApp. Los funcionarios municipales pueden responder dudas sobre el programa, agendar diagn\u00f3sticos y hacer seguimiento de cada caso sin perder ninguna solicitud. Todo con trazabilidad completa y confidencialidad garantizada.\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                <\/div>\n\n                <!-- CTA Row -->\n                <div class=\"vcomm-cta-row\">\n                    <a href=\"#reunion\" class=\"vcomm-btn vcomm-btn-primary\">\n                        <i class=\"fa-solid fa-calendar-check\"><\/i>\n                        Agendar reuni\u00f3n\n                    <\/a>\n                    <a href=\"#programa\" class=\"vcomm-link-secondary\">\n                        Ver el programa completo\n                    <\/a>\n                <\/div>\n            <\/div>\n\n        <\/div>\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vcomm-widget');\n        if (!widget) return;\n\n        const items = widget.querySelectorAll('.vcomm-accordion-item');\n        const states = 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       #vfaq-gov-widget .vfaq-answer {\n                transition: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vfaq-section\" aria-labelledby=\"vfaq-gov-heading\">\n        <h2 id=\"vfaq-gov-heading\" class=\"vfaq-header\">Preguntas frecuentes<\/h2>\n\n        <div class=\"vfaq-list\" id=\"vfaq-gov-list\">\n\n            <!-- Pregunta 1: Cumplimiento normativo -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfValora cumple con la normativa para trabajar con municipalidades?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p><strong>S\u00ed, totalmente.<\/strong> Valora Patrimonial opera bajo los est\u00e1ndares del sector p\u00fablico peruano y mantiene convenios vigentes con entidades reguladoras clave:<\/p>\n                        <ul>\n                            <li><strong>SBS<\/strong> (Superintendencia de Banca, Seguros y AFP)<\/li>\n                            <li><strong>Ley N\u00b0 29733<\/strong> de Protecci\u00f3n de Datos Personales<\/li>\n                            <li><strong>Ley N\u00b0 27972<\/strong> de Municipalidades<\/li>\n                            <li>Convenios con gobiernos regionales de Jun\u00edn<\/li>\n                        <\/ul>\n                        <p>Nuestro modelo cumple con los requisitos de transparencia, rendici\u00f3n de cuentas y protecci\u00f3n de datos que exige la normativa p\u00fablica peruana.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 2: Protecci\u00f3n de datos -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfC\u00f3mo protegen los datos de los ciudadanos?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>La protecci\u00f3n de datos es nuestra prioridad absoluta. Aplicamos m\u00faltiples capas de seguridad:<\/p>\n                        <ul>\n                            <li><strong>Encriptaci\u00f3n de nivel bancario<\/strong> en todos los datos de ciudadanos<\/li>\n                            <li><strong>Autenticaci\u00f3n de dos factores<\/strong> para accesos a informaci\u00f3n sensible<\/li>\n                            <li><strong>Anonimizaci\u00f3n<\/strong> de reportes agregados para el municipio<\/li>\n                            <li><strong>Confidencialidad total<\/strong> entre asesor y ciudadano<\/li>\n                            <li><strong>Derecho al olvido<\/strong>: eliminaci\u00f3n de datos a solicitud<\/li>\n                        <\/ul>\n                        <div class=\"vfaq-highlight\">\n                            <strong>Compromiso p\u00fablico:<\/strong> Nunca venderemos, compartiremos ni cederemos datos de ciudadanos a terceros. Toda la informaci\u00f3n es tratada con el mismo est\u00e1ndar que aplicar\u00eda una entidad bancaria.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 3: Apoyo municipal -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfC\u00f3mo apoya Valora a las municipalidades en la gesti\u00f3n financiera?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>Valora proporciona a las municipalidades un <strong>sistema integral de salud financiera<\/strong> que:<\/p>\n                        <ul>\n                            <li><strong>Diagnostica la morosidad<\/strong> por distrito y sector<\/li>\n                            <li><strong>Previene crisis familiares<\/strong> con alertas tempranas<\/li>\n                            <li><strong>Educa financieramente<\/strong> a los ciudadanos<\/li>\n                            <li><strong>Acompa\u00f1a casos<\/strong> de deuda con soluciones concretas<\/li>\n                            <li><strong>Genera reportes de impacto<\/strong> para justificar presupuestos<\/li>\n                        <\/ul>\n                        <p>El programa se adapta al tama\u00f1o y presupuesto de cada municipalidad. Las municipalidades peque\u00f1as acceden mediante convenios subsidiados; las grandes pueden contratar servicios premium personalizados.<\/p>\n                        <div class=\"vfaq-highlight vfaq-highlight-green\">\n                            <strong>Sin costo directo<\/strong> para la mayor\u00eda de municipalidades: el programa se financia con el subsidio cruzado de clientes privados y alianzas con ONGs.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 4: Dise\u00f1o de pol\u00edticas -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfPuede Valora ayudarnos a dise\u00f1ar pol\u00edticas sociales efectivas?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>Absolutamente. Valora no solo acompa\u00f1a familias: <strong>genera inteligencia de datos<\/strong> que ayuda a las municipalidades a dise\u00f1ar pol\u00edticas m\u00e1s efectivas.<\/p>\n                        <p>Nuestro sistema analiza:<\/p>\n                        <ul>\n                            <li><strong>Patrones de morosidad<\/strong> por sector, edad y tipo de deuda<\/li>\n                            <li><strong>Tendencias temporales<\/strong> (meses cr\u00edticos, ciclos econ\u00f3micos)<\/li>\n                            <li><strong>Impacto de programas anteriores<\/strong> para ajustar estrategias<\/li>\n                            <li><strong>Perfil socioecon\u00f3mico<\/strong> de las familias afectadas<\/li>\n                        <\/ul>\n                        <p>Con esta informaci\u00f3n, tu equipo municipal puede focalizar recursos donde m\u00e1s impacto generen y demostrar resultados concretos a la ciudadan\u00eda.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 5: Accesibilidad -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfEl programa es accesible para todos los ciudadanos?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>La accesibilidad es un principio fundamental de nuestro programa. Trabajamos para que ning\u00fan ciudadano quede fuera por barreras econ\u00f3micas, geogr\u00e1ficas o culturales:<\/p>\n                        <ul>\n                            <li><strong>Atenci\u00f3n en espa\u00f1ol y quechua<\/strong> para comunidades nativas<\/li>\n                            <li><strong>Visitas a domicilio<\/strong> en zonas rurales alejadas<\/li>\n                            <li><strong>Programa subsidiado<\/strong> para familias en situaci\u00f3n vulnerable<\/li>\n                            <li><strong>M\u00faltiples canales<\/strong>: WhatsApp, tel\u00e9fono, oficina, videollamada<\/li>\n                            <li><strong>Materiales adaptados<\/strong> para personas con baja alfabetizaci\u00f3n<\/li>\n                        <\/ul>\n                        <p>Si tu municipalidad tiene comunidades con necesidades espec\u00edficas, adaptamos el programa a su realidad local.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 6: Certificaciones -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfValora cuenta con certificaciones oficiales?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>S\u00ed, Valora cuenta con las certificaciones y respaldos necesarios para operar con entidades p\u00fablicas:<\/p>\n                        <ul>\n                            <li><strong>Registro SUNARP<\/strong> como empresa formal<\/li>\n                            <li><strong>RUC activo<\/strong> con estado \u00abHABIDO\u00bb en SUNAT<\/li>\n                            <li><strong>Convenio marco<\/strong> con la SBS para servicios financieros<\/li>\n                            <li><strong>Adhesi\u00f3n<\/strong> a la Ley N\u00b0 29733 de Protecci\u00f3n de Datos<\/li>\n                            <li><strong>Experiencia verificable<\/strong> del equipo fundador en BVL, LarrainVial y Renta4Banco<\/li>\n                        <\/ul>\n                        <p>Podemos compartir toda la documentaci\u00f3n legal con tu \u00e1rea de contrataciones para facilitar el proceso de convenio.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 7: Herramientas -->\n            <div class=\"vfaq-item\">\n                <button class=\"vfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfQu\u00e9 herramientas ofrece Valora para agilizar la atenci\u00f3n ciudadana?<\/span>\n                    <span class=\"vfaq-chevron\" aria-hidden=\"true\">\n                        <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>\n                    <\/span>\n                <\/button>\n                <div class=\"vfaq-answer\">\n                    <div class=\"vfaq-answer-inner\">\n                        <p>Valora ofrece una plataforma completa para agilizar la atenci\u00f3n ciudadana municipal:<\/p>\n                        <ul>\n                            <li><strong>Bandeja unificada de WhatsApp<\/strong> para todas las consultas ciudadanas<\/li>\n                            <li><strong>Respuestas autom\u00e1ticas<\/strong> con IA para preguntas frecuentes<\/li>\n                            <li><strong>Enrutamiento inteligente<\/strong> al asesor correcto seg\u00fan el caso<\/li>\n                            <li><strong>Dashboard municipal<\/strong> con m\u00e9tricas en tiempo real<\/li>\n                            <li><strong>Reportes autom\u00e1ticos<\/strong> mensuales para el concejo municipal<\/li>\n                            <li><strong>Alertas tempranas<\/strong> de focos de morosidad por distrito<\/li>\n                        <\/ul>\n                        <p>El sistema se integra con las herramientas que ya usa tu municipio y no requiere infraestructura tecnol\u00f3gica adicional.<\/p>\n                        <div class=\"vfaq-highlight\">\n                            <strong>Implementaci\u00f3n en 2 semanas:<\/strong> Desde la firma del convenio hasta la primera familia atendida, nuestro equipo se encarga de toda la puesta en marcha.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n        <\/div>\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vfaq-gov-widget');\n        if (!widget) return;\n\n        const items = widget.querySelectorAll('.vfaq-item');\n\n        function closeItem(item) {\n            const 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transparente para municipalidades de la Selva Central. Empodera a tu municipalidad [&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-221","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/221","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=221"}],"version-history":[{"count":10,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/221\/revisions"}],"predecessor-version":[{"id":496,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/221\/revisions\/496"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}