{"id":244,"date":"2026-08-07T21:33:50","date_gmt":"2026-08-07T21:33:50","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=244"},"modified":"2026-09-19T16:26:41","modified_gmt":"2026-09-19T16:26:41","slug":"informe-sobre-tendencias","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=244","title":{"rendered":"Informe sobre tendencias"},"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 Trends Hero -->\n<div id=\"vtrends-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Trends Hero\n           ========================================= *\/\n        #vtrends-widget {\n            --vtrends-navy: #0b1f3a;\n            --vtrends-blue: #1a4f8a;\n            --vtrends-blue-hover: #163c6b;\n            --vtrends-blue-light: #dbeafe;\n            --vtrends-charcoal: #4b5563;\n            --vtrends-white: #ffffff;\n            --vtrends-off-white: #f8fafc;\n            --vtrends-light-gray: #e2e8f0;\n            --vtrends-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vtrends-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n            --vtrends-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.2);\n            --vtrends-radius: 16px;\n            --vtrends-transition: 0.25s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vtrends-white);\n            color: var(--vtrends-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        #vtrends-widget *,\n        #vtrends-widget *::before,\n        #vtrends-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vtrends-widget h1,\n        #vtrends-widget h2,\n        #vtrends-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vtrends-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vtrends-widget .vtrends-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        \/* ========== HEADER ========== *\/\n        #vtrends-widget .vtrends-hero-top {\n            text-align: center;\n            margin-bottom: 48px;\n        }\n\n        #vtrends-widget .vtrends-headline {\n            font-size: clamp(2rem, 5vw, 3.5rem);\n            font-weight: 800;\n            letter-spacing: -0.025em;\n            line-height: 1.1;\n            margin-bottom: 24px;\n            color: var(--vtrends-navy);\n        }\n\n        #vtrends-widget .vtrends-headline .vtrends-highlight {\n            color: var(--vtrends-blue);\n            display: block;\n        }\n\n        #vtrends-widget .vtrends-subheadline {\n            font-size: 1.15rem;\n            color: var(--vtrends-charcoal);\n            max-width: 680px;\n            margin: 0 auto 32px;\n            line-height: 1.7;\n        }\n\n        \/* Botones *\/\n        #vtrends-widget .vtrends-btn-row {\n            display: flex;\n            justify-content: center;\n            gap: 16px;\n            flex-wrap: wrap;\n        }\n\n        #vtrends-widget .vtrends-btn {\n            padding: 14px 28px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: 8px;\n            cursor: pointer;\n            transition: background-color var(--vtrends-transition), box-shadow var(--vtrends-transition), border-color var(--vtrends-transition), transform var(--vtrends-transition);\n            text-decoration: none;\n            display: inline-block;\n            text-align: center;\n            white-space: nowrap;\n            border: 2px solid transparent;\n        }\n\n        #vtrends-widget .vtrends-btn-primary {\n            background-color: var(--vtrends-blue);\n            color: var(--vtrends-white);\n            border-color: var(--vtrends-blue);\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vtrends-widget .vtrends-btn-primary:hover {\n            background-color: var(--vtrends-navy);\n            border-color: var(--vtrends-navy);\n            box-shadow: var(--vtrends-shadow-md);\n            transform: translateY(-2px);\n        }\n\n        #vtrends-widget .vtrends-btn-secondary {\n            background-color: var(--vtrends-white);\n            color: var(--vtrends-navy);\n            border-color: var(--vtrends-navy);\n        }\n\n        #vtrends-widget .vtrends-btn-secondary:hover {\n            background-color: var(--vtrends-off-white);\n            border-color: var(--vtrends-blue);\n            color: var(--vtrends-blue);\n            box-shadow: var(--vtrends-shadow-sm);\n        }\n\n        \/* ========== BANNER VISUAL ========== *\/\n        #vtrends-widget .vtrends-banner {\n            position: relative;\n            border-radius: var(--vtrends-radius);\n            overflow: hidden;\n            background: linear-gradient(135deg, var(--vtrends-blue) 0%, var(--vtrends-navy) 100%);\n            min-height: 380px;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            box-shadow: var(--vtrends-shadow-md);\n        }\n\n        #vtrends-widget .vtrends-banner-content {\n            position: relative;\n            width: 100%;\n            height: 100%;\n            padding: 40px;\n            display: flex;\n            flex-direction: column;\n            justify-content: center;\n        }\n\n        #vtrends-widget .vtrends-banner-text {\n            display: flex;\n            flex-direction: column;\n            z-index: 2;\n        }\n\n        #vtrends-widget .vtrends-banner-line {\n            font-size: clamp(2.5rem, 7vw, 5.5rem);\n            font-weight: 800;\n            color: var(--vtrends-white);\n            line-height: 1;\n            letter-spacing: -0.03em;\n            text-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);\n        }\n\n        #vtrends-widget .vtrends-banner-year {\n            position: absolute;\n            right: 40px;\n            bottom: 40px;\n            font-size: 2.25rem;\n            font-weight: 800;\n            color: var(--vtrends-white);\n            writing-mode: vertical-rl;\n            text-orientation: mixed;\n            letter-spacing: 0.1em;\n            text-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);\n            z-index: 2;\n        }\n\n        #vtrends-widget .vtrends-banner-powered {\n            position: absolute;\n            bottom: 20px;\n            right: 100px;\n            font-size: 0.8rem;\n            color: rgba(255, 255, 255, 0.85);\n            letter-spacing: 0.05em;\n            z-index: 2;\n        }\n\n        \/* Puntos brillantes decorativos *\/\n        #vtrends-widget .vtrends-dots {\n            position: absolute;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100%;\n            pointer-events: none;\n            z-index: 1;\n        }\n\n        #vtrends-widget .vtrends-dot {\n            position: absolute;\n            width: 6px;\n            height: 6px;\n            background: rgba(255, 255, 255, 0.7);\n            border-radius: 50%;\n            box-shadow: 0 0 10px rgba(255, 255, 255, 0.6);\n        }\n\n        #vtrends-widget .vtrends-dot:nth-child(1) { top: 15%; left: 20%; }\n        #vtrends-widget .vtrends-dot:nth-child(2) { top: 25%; left: 70%; }\n        #vtrends-widget .vtrends-dot:nth-child(3) { top: 60%; left: 10%; }\n        #vtrends-widget .vtrends-dot:nth-child(4) { top: 70%; left: 80%; }\n        #vtrends-widget .vtrends-dot:nth-child(5) { top: 10%; left: 50%; }\n        #vtrends-widget .vtrends-dot:nth-child(6) { top: 85%; left: 30%; }\n        #vtrends-widget .vtrends-dot:nth-child(7) { top: 40%; left: 90%; }\n        #vtrends-widget .vtrends-dot:nth-child(8) { top: 55%; left: 55%; }\n\n        \/* Retratos *\/\n        #vtrends-widget .vtrends-portraits {\n            position: absolute;\n            bottom: 0;\n            left: 20px;\n            z-index: 3;\n            display: flex;\n            align-items: flex-end;\n            gap: 10px;\n        }\n\n        #vtrends-widget .vtrends-portrait {\n            width: 130px;\n            height: 180px;\n            object-fit: cover;\n            border-radius: 12px 12px 0 0;\n            box-shadow: 0 8px 20px rgba(0, 0, 0, 0.4);\n            border: 2px solid rgba(255, 255, 255, 0.6);\n            display: block;\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 768px) {\n            #vtrends-widget .vtrends-section {\n                padding: 48px 16px;\n            }\n            #vtrends-widget .vtrends-btn-row {\n                flex-direction: column;\n                align-items: center;\n            }\n            #vtrends-widget .vtrends-btn {\n                width: 100%;\n                max-width: 320px;\n            }\n            #vtrends-widget .vtrends-banner {\n                min-height: 320px;\n            }\n            #vtrends-widget .vtrends-banner-content {\n                padding: 24px;\n            }\n            #vtrends-widget .vtrends-banner-line {\n                font-size: 2.25rem;\n            }\n            #vtrends-widget .vtrends-banner-year {\n                right: 20px;\n                bottom: 20px;\n                font-size: 1.75rem;\n            }\n            #vtrends-widget .vtrends-banner-powered {\n                right: 70px;\n                bottom: 12px;\n            }\n            #vtrends-widget .vtrends-portrait {\n                width: 90px;\n                height: 130px;\n            }\n            #vtrends-widget .vtrends-portraits {\n                left: 12px;\n                gap: 6px;\n            }\n        }\n\n        @media (max-width: 480px) {\n            #vtrends-widget .vtrends-headline {\n                font-size: 1.75rem;\n            }\n            #vtrends-widget .vtrends-banner {\n                min-height: 260px;\n            }\n            #vtrends-widget .vtrends-banner-line {\n                font-size: 1.75rem;\n            }\n            #vtrends-widget .vtrends-banner-year {\n                font-size: 1.4rem;\n            }\n            #vtrends-widget .vtrends-banner-powered {\n                font-size: 0.7rem;\n                right: 60px;\n            }\n            #vtrends-widget .vtrends-portrait {\n                width: 70px;\n                height: 100px;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vtrends-widget .vtrends-btn {\n                transition: none;\n            }\n            #vtrends-widget .vtrends-btn-primary:hover {\n                transform: none;\n            }\n            #vtrends-widget .vtrends-dot {\n                animation: none !important;\n            }\n        }\n    <\/style>\n\n    <section class=\"vtrends-section\" aria-labelledby=\"vtrends-heading\">\n\n        <!-- ========== HERO TOP ========== -->\n        <div class=\"vtrends-hero-top\">\n            <h1 id=\"vtrends-heading\" class=\"vtrends-headline\">\n                Tendencias Financieras\n                <span class=\"vtrends-highlight\">2026<\/span>\n            <\/h1>\n            <p class=\"vtrends-subheadline\">\n                Para salir de deudas y construir patrimonio en la Selva Central, hay que actuar con estrategia. Descubre los patrones que est\u00e1n definiendo la salud financiera de las familias peruanas y c\u00f3mo aprovecharlos.\n            <\/p>\n            <div class=\"vtrends-btn-row\">\n                <a href=\"#descargar\" class=\"vtrends-btn vtrends-btn-primary\">\n                    Descargar reporte gratuito\n                <\/a>\n                <a href=\"#diagnostico\" class=\"vtrends-btn vtrends-btn-secondary\">\n                    Agendar diagn\u00f3stico\n                <\/a>\n            <\/div>\n        <\/div>\n\n        <!-- ========== BANNER VISUAL ========== -->\n        <div class=\"vtrends-banner\">\n\n            <div class=\"vtrends-banner-content\">\n                <div class=\"vtrends-banner-text\">\n                    <span class=\"vtrends-banner-line\">SALUD<\/span>\n                    <span class=\"vtrends-banner-line\">FINANCIERA<\/span>\n                    <span class=\"vtrends-banner-line\">TENDENCIAS.\/<\/span>\n                <\/div>\n                <span class=\"vtrends-banner-year\">2026<\/span>\n                <span class=\"vtrends-banner-powered\">_Powered by Valora Patrimonial<\/span>\n            <\/div>\n\n            <!-- Puntos decorativos -->\n            <div class=\"vtrends-dots\" aria-hidden=\"true\">\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n                <span class=\"vtrends-dot\"><\/span>\n            <\/div>\n\n            <!-- Retratos -->\n            <div class=\"vtrends-portraits\">\n                <img decoding=\"async\" class=\"vtrends-portrait\" \n                     src=\"https:\/\/images.unsplash.com\/photo-1507003211169-0a1dd7228f2d?w=300&#038;h=400&#038;fit=crop\" \n                     alt=\"Retrato de un asesor financiero\">\n                <img decoding=\"async\" class=\"vtrends-portrait\" \n                     src=\"https:\/\/images.unsplash.com\/photo-1531123897727-8f129e1688ce?w=300&#038;h=400&#038;fit=crop\" \n                     alt=\"Retrato de una clienta de Valora\">\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vtrends-widget');\n        if (!widget) return;\n\n        \/\/ Animaci\u00f3n de puntos brillantes (respetando prefers-reduced-motion)\n        const prefersReduced = window.matchMedia('(prefers-reduced-motion: reduce)').matches;\n        if (!prefersReduced) {\n            const dots = widget.querySelectorAll('.vtrends-dot');\n            dots.forEach((dot, i) => {\n                const delay = Math.random() * 2;\n                const duration = 2.5 + Math.random() * 1.5;\n                dot.style.animation = `vtrendsFloat ${duration}s infinite alternate ease-in-out ${delay}s`;\n            });\n\n            \/\/ A\u00f1adir keyframes al head solo una vez\n            if (!document.getElementById('vtrends-keyframes')) {\n                const style = document.createElement('style');\n                style.id = 'vtrends-keyframes';\n                style.textContent = `\n                    @keyframes vtrendsFloat {\n                        0% { transform: translateY(0); opacity: 0.6; }\n                        100% { transform: translateY(-12px); opacity: 1; }\n                    }\n                `;\n                document.head.appendChild(style);\n            }\n        }\n    })();\n<\/script>\n\n\n\n<div style=\"height:20px\" 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 Download -->\n<div id=\"vdown-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Download\n           ========================================= *\/\n        #vdown-widget {\n            --vdown-navy: #0b1f3a;\n            --vdown-blue: #1a4f8a;\n            --vdown-blue-hover: #163c6b;\n            --vdown-blue-light: #dbeafe;\n            --vdown-charcoal: #4b5563;\n            --vdown-white: #ffffff;\n            --vdown-off-white: #f8fafc;\n            --vdown-gray-100: #f1f5f9;\n            --vdown-gray-200: #e2e8f0;\n            --vdown-green: #16a34a;\n            --vdown-green-bg: #dcfce7;\n            --vdown-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vdown-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n            --vdown-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.18);\n            --vdown-radius-sm: 6px;\n            --vdown-radius-md: 10px;\n            --vdown-radius-lg: 16px;\n            --vdown-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(--vdown-white);\n            color: var(--vdown-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        #vdown-widget *,\n        #vdown-widget *::before,\n        #vdown-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vdown-widget h1,\n        #vdown-widget h2,\n        #vdown-widget h3,\n        #vdown-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vdown-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== HERO ========== *\/\n        #vdown-widget .vdown-hero {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n            transition: filter 0.4s ease;\n        }\n\n        #vdown-widget .vdown-hero.vdown-dimmed {\n            filter: brightness(0.6);\n        }\n\n        #vdown-widget .vdown-hero-grid {\n            display: grid;\n            grid-template-columns: 1fr 1.1fr;\n            gap: 56px;\n            align-items: center;\n        }\n\n        \/* ========== COLUMNA VISUAL ========== *\/\n        #vdown-widget .vdown-visual-col {\n            position: relative;\n            display: flex;\n            justify-content: center;\n            align-items: center;\n            min-height: 400px;\n        }\n\n        #vdown-widget .vdown-report-graphic {\n            position: relative;\n            width: 100%;\n            max-width: 480px;\n            height: 380px;\n        }\n\n        \/* Fondo degradado azul Valora *\/\n        #vdown-widget .vdown-gradient-bg {\n            position: absolute;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100%;\n            background: linear-gradient(135deg, var(--vdown-blue) 0%, var(--vdown-navy) 100%);\n            border-radius: var(--vdown-radius-lg);\n            overflow: hidden;\n            z-index: 0;\n        }\n\n        \/* C\u00edrculos decorativos de fondo *\/\n        #vdown-widget .vdown-gradient-bg::before {\n            content: \"\";\n            position: absolute;\n            top: -60px;\n            right: -60px;\n            width: 180px;\n            height: 180px;\n            border-radius: 50%;\n            background: rgba(255, 255, 255, 0.08);\n        }\n\n        #vdown-widget .vdown-gradient-bg::after {\n            content: \"\";\n            position: absolute;\n            bottom: -40px;\n            left: -40px;\n            width: 120px;\n            height: 120px;\n            border-radius: 50%;\n            background: rgba(255, 255, 255, 0.06);\n        }\n\n        \/* Puntos brillantes decorativos *\/\n        #vdown-widget .vdown-dots {\n            position: absolute;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100%;\n            pointer-events: none;\n            z-index: 1;\n        }\n\n        #vdown-widget .vdown-dot {\n            position: absolute;\n            width: 4px;\n            height: 4px;\n            background: rgba(255, 255, 255, 0.7);\n            border-radius: 50%;\n            box-shadow: 0 0 8px rgba(255, 255, 255, 0.5);\n        }\n\n        #vdown-widget .vdown-dot:nth-child(1) { top: 12%; left: 20%; }\n        #vdown-widget .vdown-dot:nth-child(2) { top: 25%; left: 65%; }\n        #vdown-widget .vdown-dot:nth-child(3) { top: 45%; left: 10%; }\n        #vdown-widget .vdown-dot:nth-child(4) { top: 60%; left: 80%; }\n        #vdown-widget .vdown-dot:nth-child(5) { top: 10%; left: 50%; }\n        #vdown-widget .vdown-dot:nth-child(6) { top: 80%; left: 30%; }\n        #vdown-widget .vdown-dot:nth-child(7) { top: 35%; left: 90%; }\n        #vdown-widget .vdown-dot:nth-child(8) { top: 70%; left: 55%; }\n        #vdown-widget .vdown-dot:nth-child(9) { top: 20%; left: 40%; }\n        #vdown-widget .vdown-dot:nth-child(10) { top: 90%; left: 70%; }\n\n        \/* Stack de reportes 3D *\/\n        #vdown-widget .vdown-report-stack {\n            position: absolute;\n            top: 50%;\n            left: 50%;\n            transform: translate(-50%, -50%);\n            width: 280px;\n            height: 220px;\n            z-index: 2;\n        }\n\n        #vdown-widget .vdown-report-card {\n            position: absolute;\n            width: 160px;\n            height: 220px;\n            background: var(--vdown-white);\n            border-radius: 6px;\n            box-shadow: 0 10px 20px rgba(0, 0, 0, 0.4);\n            display: flex;\n            flex-direction: column;\n            overflow: hidden;\n            transition: transform 0.3s ease;\n            cursor: pointer;\n        }\n\n        #vdown-widget .vdown-report-card:hover {\n            transform: translateY(-8px);\n        }\n\n        \/* Top del reporte (etiqueta superior) *\/\n        #vdown-widget .vdown-cover-top {\n            background: var(--vdown-navy);\n            color: var(--vdown-white);\n            padding: 8px 12px;\n            font-weight: 700;\n            font-size: 0.65rem;\n            text-align: center;\n            letter-spacing: 0.08em;\n            text-transform: uppercase;\n        }\n\n        \/* Imagen del reporte (mockup central) *\/\n        #vdown-widget .vdown-cover-image {\n            flex: 1;\n            background: linear-gradient(135deg, var(--vdown-blue-light), var(--vdown-gray-100));\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            position: relative;\n            overflow: hidden;\n        }\n\n        #vdown-widget .vdown-cover-image i {\n            font-size: 3rem;\n            color: var(--vdown-blue);\n            opacity: 0.7;\n        }\n\n        \/* Bottom del reporte (a\u00f1o) *\/\n        #vdown-widget .vdown-cover-bottom {\n            background: var(--vdown-white);\n            color: var(--vdown-navy);\n            padding: 6px;\n            font-weight: 800;\n            font-size: 1.1rem;\n            text-align: center;\n            letter-spacing: -0.02em;\n            border-top: 1px solid var(--vdown-gray-200);\n        }\n\n        \/* Posiciones de las 3 tarjetas *\/\n        #vdown-widget .vdown-report-card:nth-child(1) {\n            top: 0;\n            left: 20px;\n            transform: rotate(-6deg);\n            z-index: 1;\n        }\n\n        #vdown-widget .vdown-report-card:nth-child(2) {\n            top: 15px;\n            left: 60px;\n            transform: rotate(0deg);\n            z-index: 2;\n        }\n\n        #vdown-widget .vdown-report-card:nth-child(3) {\n            top: 0;\n            left: 100px;\n            transform: rotate(6deg);\n            z-index: 3;\n        }\n\n        \/* ========== COLUMNA TEXTO ========== *\/\n        #vdown-widget .vdown-text-col h2 {\n            font-size: clamp(1.75rem, 3.5vw, 2.75rem);\n            font-weight: 800;\n            color: var(--vdown-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.15;\n            margin-bottom: 24px;\n        }\n\n        #vdown-widget .vdown-intro {\n            font-size: 1.05rem;\n            color: var(--vdown-charcoal);\n            margin-bottom: 20px;\n            font-weight: 600;\n        }\n\n        #vdown-widget .vdown-list {\n            list-style: none;\n            padding: 0;\n            margin-bottom: 32px;\n        }\n\n        #vdown-widget .vdown-list li {\n            font-size: 1rem;\n            color: var(--vdown-charcoal);\n            margin-bottom: 12px;\n            position: relative;\n            padding-left: 28px;\n            line-height: 1.6;\n        }\n\n        #vdown-widget .vdown-list li::before {\n            content: \"\u2713\";\n            position: absolute;\n            left: 0;\n            top: 2px;\n            color: var(--vdown-blue);\n            font-weight: 800;\n            font-size: 1rem;\n            width: 20px;\n            height: 20px;\n            background: var(--vdown-blue-light);\n            border-radius: 50%;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            font-size: 0.7rem;\n        }\n\n        #vdown-widget .vdown-list li strong {\n            color: var(--vdown-navy);\n            font-weight: 700;\n        }\n\n        \/* Bot\u00f3n *\/\n        #vdown-widget .vdown-btn {\n            display: inline-flex;\n            align-items: center;\n            gap: 8px;\n            padding: 16px 32px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: var(--vdown-radius-sm);\n            cursor: pointer;\n            transition: background-color var(--vdown-transition), box-shadow var(--vdown-transition), transform var(--vdown-transition);\n            text-decoration: none;\n            border: none;\n            text-align: center;\n            white-space: nowrap;\n        }\n\n        #vdown-widget .vdown-btn-primary {\n            background-color: var(--vdown-blue);\n            color: var(--vdown-white);\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vdown-widget .vdown-btn-primary:hover {\n            background-color: var(--vdown-navy);\n            box-shadow: var(--vdown-shadow-md);\n            transform: translateY(-2px);\n        }\n\n        #vdown-widget .vdown-btn-primary:active {\n            transform: translateY(0);\n        }\n\n        #vdown-widget .vdown-btn i {\n            font-size: 0.9rem;\n            transition: transform var(--vdown-transition);\n        }\n\n        #vdown-widget .vdown-btn:hover i {\n            transform: translateY(2px);\n        }\n\n        \/* ========== MODAL ========== *\/\n        #vdown-widget .vdown-modal-overlay {\n            position: fixed;\n            top: 0;\n            left: 0;\n            width: 100vw;\n            height: 100vh;\n            background: rgba(11, 31, 58, 0.6);\n            backdrop-filter: blur(4px);\n            -webkit-backdrop-filter: blur(4px);\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            z-index: 999999;\n            opacity: 0;\n            visibility: hidden;\n            transition: opacity 0.4s ease, visibility 0.4s ease;\n            padding: 20px;\n        }\n\n        #vdown-widget .vdown-modal-overlay.vdown-active {\n            opacity: 1;\n            visibility: visible;\n        }\n\n        #vdown-widget .vdown-modal-window {\n            background: var(--vdown-white);\n            border-radius: var(--vdown-radius-lg);\n            box-shadow: var(--vdown-shadow-lg);\n            width: 100%;\n            max-width: 520px;\n            max-height: 90vh;\n            overflow-y: auto;\n            padding: 40px 36px;\n            position: relative;\n            transform: scale(0.9) translateY(20px);\n            transition: transform 0.4s cubic-bezier(0.34, 1.2, 0.64, 1);\n            text-align: left;\n        }\n\n        #vdown-widget .vdown-modal-overlay.vdown-active .vdown-modal-window {\n            transform: scale(1) translateY(0);\n        }\n\n        \/* Bot\u00f3n cerrar *\/\n        #vdown-widget .vdown-modal-close {\n            position: absolute;\n            top: 16px;\n            right: 16px;\n            width: 36px;\n            height: 36px;\n            background: var(--vdown-navy);\n            color: var(--vdown-white);\n            border: none;\n            border-radius: 50%;\n            font-size: 1.3rem;\n            font-weight: 700;\n            cursor: pointer;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            transition: background-color 0.2s ease, transform 0.2s ease;\n            z-index: 2;\n            line-height: 1;\n        }\n\n        #vdown-widget .vdown-modal-close:hover {\n            background: var(--vdown-blue);\n            transform: scale(1.1);\n        }\n\n        \/* T\u00edtulo del modal *\/\n        #vdown-widget .vdown-modal-title {\n            font-size: 1.6rem;\n            font-weight: 800;\n            color: var(--vdown-navy);\n            margin-bottom: 8px;\n            padding-right: 40px;\n            line-height: 1.2;\n            letter-spacing: -0.02em;\n        }\n\n        #vdown-widget .vdown-required-note {\n            font-size: 0.85rem;\n            color: #94a3b8;\n            margin-bottom: 24px;\n        }\n\n        \/* Campos del formulario *\/\n        #vdown-widget .vdown-form-group {\n            margin-bottom: 18px;\n            text-align: left;\n        }\n\n        #vdown-widget .vdown-form-group label {\n            display: block;\n            font-weight: 600;\n            color: var(--vdown-navy);\n            margin-bottom: 6px;\n            font-size: 0.9rem;\n        }\n\n        #vdown-widget .vdown-form-group label .vdown-req {\n            color: #dc2626;\n            margin-left: 2px;\n        }\n\n        #vdown-widget .vdown-form-group input,\n        #vdown-widget .vdown-form-group select {\n            width: 100%;\n            padding: 12px 16px;\n            font-size: 1rem;\n            font-family: inherit;\n            border: 1px solid var(--vdown-gray-200);\n            border-radius: var(--vdown-radius-sm);\n            background: var(--vdown-white);\n            color: var(--vdown-navy);\n            outline: none;\n            transition: border-color var(--vdown-transition), box-shadow var(--vdown-transition);\n            box-shadow: none;\n            margin: 0;\n        }\n\n        #vdown-widget .vdown-form-group input::placeholder {\n            color: #94a3b8;\n        }\n\n        #vdown-widget .vdown-form-group input:focus,\n        #vdown-widget .vdown-form-group select:focus {\n            border-color: var(--vdown-blue);\n            box-shadow: 0 0 0 3px rgba(26, 79, 138, 0.15);\n        }\n\n        \/* Select con flecha custom *\/\n        #vdown-widget .vdown-form-group select {\n            appearance: none;\n            -webkit-appearance: none;\n            background-image: url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%234b5563' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C\/polyline%3E%3C\/svg%3E\");\n            background-repeat: no-repeat;\n            background-position: right 16px center;\n            padding-right: 44px;\n            cursor: pointer;\n        }\n\n        \/* Fila de 2 columnas *\/\n        #vdown-widget .vdown-form-row {\n            display: grid;\n            grid-template-columns: 1fr 1fr;\n            gap: 14px;\n        }\n\n        \/* Texto de privacidad *\/\n        #vdown-widget .vdown-privacy-text {\n            font-size: 0.8rem;\n            color: var(--vdown-charcoal);\n            margin-top: 20px;\n            line-height: 1.6;\n        }\n\n        #vdown-widget .vdown-privacy-text a {\n            color: var(--vdown-blue);\n            text-decoration: underline;\n            transition: color 0.2s ease;\n        }\n\n        #vdown-widget .vdown-privacy-text a:hover {\n            color: var(--vdown-navy);\n        }\n\n        \/* Bot\u00f3n del modal *\/\n        #vdown-widget .vdown-modal-cta {\n            margin-top: 24px;\n            width: 100%;\n            background-color: var(--vdown-blue);\n            color: var(--vdown-white);\n            border: none;\n            padding: 16px 32px;\n            font-size: 1rem;\n            font-weight: 700;\n            font-family: inherit;\n            border-radius: var(--vdown-radius-sm);\n            cursor: pointer;\n            transition: background-color var(--vdown-transition), box-shadow var(--vdown-transition), transform var(--vdown-transition);\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            gap: 8px;\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.25);\n        }\n\n        #vdown-widget .vdown-modal-cta:hover {\n            background-color: var(--vdown-navy);\n            box-shadow: var(--vdown-shadow-md);\n            transform: translateY(-2px);\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 992px) {\n            #vdown-widget .vdown-hero-grid {\n                grid-template-columns: 1fr;\n                gap: 40px;\n            }\n            #vdown-widget .vdown-visual-col {\n                min-height: 320px;\n            }\n            #vdown-widget .vdown-report-graphic {\n                height: 300px;\n            }\n            #vdown-widget .vdown-report-card {\n                width: 120px;\n                height: 170px;\n            }\n            #vdown-widget .vdown-report-card .vdown-cover-image i {\n                font-size: 2rem;\n            }\n            #vdown-widget .vdown-report-card .vdown-cover-bottom {\n                font-size: 0.9rem;\n            }\n            #vdown-widget .vdown-report-stack {\n                width: 220px;\n                height: 170px;\n            }\n            #vdown-widget .vdown-report-card:nth-child(1) { left: 10px; }\n            #vdown-widget .vdown-report-card:nth-child(2) { left: 40px; }\n            #vdown-widget .vdown-report-card:nth-child(3) { left: 70px; }\n        }\n\n        @media (max-width: 600px) {\n            #vdown-widget .vdown-hero {\n                padding: 48px 16px;\n            }\n            #vdown-widget .vdown-modal-window {\n                padding: 28px 20px;\n            }\n            #vdown-widget .vdown-modal-title {\n                font-size: 1.3rem;\n            }\n            #vdown-widget .vdown-btn {\n                width: 100%;\n                justify-content: center;\n            }\n            #vdown-widget .vdown-report-graphic {\n                height: 240px;\n            }\n            #vdown-widget .vdown-report-card {\n                width: 100px;\n                height: 140px;\n            }\n            #vdown-widget .vdown-report-card .vdown-cover-image i {\n                font-size: 1.5rem;\n            }\n            #vdown-widget .vdown-report-card .vdown-cover-bottom {\n                font-size: 0.8rem;\n            }\n            #vdown-widget .vdown-report-stack {\n                width: 180px;\n                height: 140px;\n            }\n            #vdown-widget .vdown-report-card:nth-child(1) { left: 10px; }\n            #vdown-widget .vdown-report-card:nth-child(2) { left: 30px; }\n            #vdown-widget .vdown-report-card:nth-child(3) { left: 50px; }\n            #vdown-widget .vdown-form-row {\n                grid-template-columns: 1fr;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vdown-widget .vdown-btn,\n            #vdown-widget .vdown-modal-cta,\n            #vdown-widget .vdown-report-card {\n                transition: none;\n            }\n            #vdown-widget .vdown-btn-primary:hover,\n            #vdown-widget .vdown-modal-cta:hover,\n            #vdown-widget .vdown-report-card:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <!-- ========== HERO ========== -->\n    <section class=\"vdown-hero\" id=\"vdown-heroSection\">\n\n        <div class=\"vdown-hero-grid\">\n\n            <!-- Columna visual: Stack de reportes -->\n            <div class=\"vdown-visual-col\">\n                <div class=\"vdown-report-graphic\">\n\n                    <!-- Fondo degradado azul -->\n                    <div class=\"vdown-gradient-bg\"><\/div>\n\n                    <!-- Puntos decorativos -->\n                    <div class=\"vdown-dots\" aria-hidden=\"true\">\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                        <span class=\"vdown-dot\"><\/span>\n                    <\/div>\n\n                    <!-- Stack de 3 reportes -->\n                    <div class=\"vdown-report-stack\">\n                        <div class=\"vdown-report-card\" title=\"Reporte Valora 2026\">\n                            <div class=\"vdown-cover-top\">Salud Financiera 2026<\/div>\n                            <div class=\"vdown-cover-image\">\n                                <i class=\"fa-solid fa-chart-line\"><\/i>\n                            <\/div>\n                            <div class=\"vdown-cover-bottom\">2026<\/div>\n                        <\/div>\n                        <div class=\"vdown-report-card\" title=\"Reporte Valora 2026\">\n                            <div class=\"vdown-cover-top\">Salud Financiera 2026<\/div>\n                            <div class=\"vdown-cover-image\">\n                                <i class=\"fa-solid fa-chart-line\"><\/i>\n                            <\/div>\n                            <div class=\"vdown-cover-bottom\">2026<\/div>\n                        <\/div>\n                        <div class=\"vdown-report-card\" title=\"Reporte Valora 2026\">\n                            <div class=\"vdown-cover-top\">Salud Financiera 2026<\/div>\n                            <div class=\"vdown-cover-image\">\n                                <i class=\"fa-solid fa-chart-line\"><\/i>\n                            <\/div>\n                            <div class=\"vdown-cover-bottom\">2026<\/div>\n                        <\/div>\n                    <\/div>\n\n                <\/div>\n            <\/div>\n\n            <!-- Columna texto -->\n            <div class=\"vdown-text-col\">\n                <h2>Descarga el Reporte de Salud Financiera 2026<\/h2>\n                <p class=\"vdown-intro\">En el reporte completo encontrar\u00e1s:<\/p>\n                <ul class=\"vdown-list\">\n                    <li><strong>Datos reales<\/strong> de morosidad en Satipo, Chanchamayo y La Merced<\/li>\n                    <li><strong>An\u00e1lisis de SBS e INEI<\/strong> sobre educaci\u00f3n financiera en el Per\u00fa<\/li>\n                    <li><strong>Gu\u00eda para l\u00edderes<\/strong> regionales y autoridades locales<\/li>\n                    <li><strong>Plan de acci\u00f3n<\/strong> de 5 fases para salir de deudas y construir patrimonio<\/li>\n                    <li><strong>Casos reales<\/strong> de familias que transformaron sus finanzas<\/li>\n                <\/ul>\n                <button class=\"vdown-btn vdown-btn-primary\" id=\"vdown-openModalBtn\" type=\"button\">\n                    Descargar reporte gratuito\n                    <i class=\"fa-solid fa-arrow-down\"><\/i>\n                <\/button>\n            <\/div>\n\n        <\/div>\n    <\/section>\n\n    <!-- ========== MODAL ========== -->\n    <div class=\"vdown-modal-overlay\" id=\"vdown-modalOverlay\">\n        <div class=\"vdown-modal-window\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"vdown-modalTitle\">\n\n            <button class=\"vdown-modal-close\" id=\"vdown-closeModalBtn\" aria-label=\"Cerrar\">\u00d7<\/button>\n\n            <h3 class=\"vdown-modal-title\" id=\"vdown-modalTitle\">Descarga el reporte completo<\/h3>\n            <p class=\"vdown-required-note\">* indica campos obligatorios<\/p>\n\n            <form id=\"vdown-downloadForm\" action=\"#\" method=\"post\">\n\n                <!-- Nombre completo -->\n                <div class=\"vdown-form-group\">\n                    <label for=\"vdown-nombre\">Nombre completo <span class=\"vdown-req\">*<\/span><\/label>\n                    <input type=\"text\" id=\"vdown-nombre\" name=\"nombre\" required placeholder=\"Ej: Rosa Quispe M.\">\n                <\/div>\n\n                <!-- Email + WhatsApp -->\n                <div class=\"vdown-form-row\">\n                    <div class=\"vdown-form-group\">\n                        <label for=\"vdown-email\">Email <span class=\"vdown-req\">*<\/span><\/label>\n                        <input type=\"email\" id=\"vdown-email\" name=\"email\" required placeholder=\"tucorreo@gmail.com\">\n                    <\/div>\n                    <div class=\"vdown-form-group\">\n                        <label for=\"vdown-whatsapp\">WhatsApp <span class=\"vdown-req\">*<\/span><\/label>\n                        <input type=\"tel\" id=\"vdown-whatsapp\" name=\"whatsapp\" required placeholder=\"+51 999 999 999\">\n                    <\/div>\n                <\/div>\n\n                <!-- Ciudad -->\n                <div class=\"vdown-form-group\">\n                    <label for=\"vdown-ciudad\">Ciudad <span class=\"vdown-req\">*<\/span><\/label>\n                    <select id=\"vdown-ciudad\" name=\"ciudad\" required>\n                        <option value=\"\" disabled selected>Selecciona tu ciudad&#8230;<\/option>\n                        <option value=\"satipo\">Satipo<\/option>\n                        <option value=\"chanchamayo\">Chanchamayo<\/option>\n                        <option value=\"lamerced\">La Merced<\/option>\n                        <option value=\"pichanaki\">Pichanaki<\/option>\n                        <option value=\"otro\">Otra ciudad del Per\u00fa<\/option>\n                    <\/select>\n                <\/div>\n\n                <!-- Situaci\u00f3n -->\n                <div class=\"vdown-form-group\">\n                    <label for=\"vdown-situacion\">\u00bfCu\u00e1l es tu situaci\u00f3n actual? <span class=\"vdown-req\">*<\/span><\/label>\n                    <select id=\"vdown-situacion\" name=\"situacion\" required>\n                        <option value=\"\" disabled selected>Selecciona una opci\u00f3n&#8230;<\/option>\n                        <option value=\"deudas\">Tengo deudas y no s\u00e9 c\u00f3mo empezar<\/option>\n                        <option value=\"reportado\">Estoy reportado en centrales de riesgo<\/option>\n                        <option value=\"ahorro\">Quiero aprender a ahorrar y presupuestar<\/option>\n                        <option value=\"inversion\">Quiero invertir y construir patrimonio<\/option>\n                        <option value=\"estudiante\">Soy estudiante o investigador<\/option>\n                    <\/select>\n                <\/div>\n\n                <!-- Texto de privacidad -->\n                <p class=\"vdown-privacy-text\">\n                    Usaremos tu informaci\u00f3n solo para enviarte el reporte y contactarte si lo autorizas. Nunca compartiremos tus datos con terceros. Lee nuestra <a href=\"#privacidad\" target=\"_blank\">Pol\u00edtica de Privacidad<\/a>.\n                <\/p>\n\n                <!-- Bot\u00f3n -->\n                <button type=\"submit\" class=\"vdown-modal-cta\">\n                    Descargar reporte\n                    <i class=\"fa-solid fa-download\"><\/i>\n                <\/button>\n\n            <\/form>\n        <\/div>\n    <\/div>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vdown-widget');\n        if (!widget) return;\n\n        const hero = document.getElementById('vdown-heroSection');\n        const openBtn = document.getElementById('vdown-openModalBtn');\n        const closeBtn = document.getElementById('vdown-closeModalBtn');\n        const modalOverlay = document.getElementById('vdown-modalOverlay');\n        const downloadForm = document.getElementById('vdown-downloadForm');\n\n        \/\/ Abrir modal\n        if (openBtn && modalOverlay) {\n            openBtn.addEventListener('click', function() {\n                modalOverlay.classList.add('vdown-active');\n                if (hero) hero.classList.add('vdown-dimmed');\n                document.body.style.overflow = 'hidden';\n\n                setTimeout(() => {\n                    const firstInput = document.getElementById('vdown-nombre');\n                    if (firstInput) firstInput.focus();\n                }, 100);\n            });\n        }\n\n        \/\/ Cerrar modal\n        function closeModal() {\n            modalOverlay.classList.remove('vdown-active');\n            if (hero) hero.classList.remove('vdown-dimmed');\n            document.body.style.overflow = '';\n        }\n\n        if (closeBtn) closeBtn.addEventListener('click', closeModal);\n\n        if (modalOverlay) {\n            modalOverlay.addEventListener('click', function(e) {\n                if (e.target === modalOverlay) closeModal();\n            });\n        }\n\n        document.addEventListener('keydown', function(e) {\n            if (e.key === 'Escape' && modalOverlay && modalOverlay.classList.contains('vdown-active')) {\n                closeModal();\n            }\n        });\n\n        \/\/ Submit simulado\n        if (downloadForm) {\n            downloadForm.addEventListener('submit', function(e) {\n                e.preventDefault();\n                alert('\u00a1Gracias! Te enviaremos el reporte a tu correo en los pr\u00f3ximos minutos.');\n                closeModal();\n            });\n        }\n    })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Tendencias Financieras 2026 Para salir de deudas y construir patrimonio en la Selva Central, hay que actuar con estrategia. Descubre los patrones que est\u00e1n definiendo la salud financiera de las familias peruanas y c\u00f3mo aprovecharlos. Descargar reporte gratuito Agendar diagn\u00f3stico SALUD FINANCIERA TENDENCIAS.\/ 2026 _Powered by Valora Patrimonial Salud Financiera 2026 2026 Salud Financiera 2026 [&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-244","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/244","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=244"}],"version-history":[{"count":5,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/244\/revisions"}],"predecessor-version":[{"id":488,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/244\/revisions\/488"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}