{"id":36,"date":"2026-07-20T16:01:17","date_gmt":"2026-07-20T16:01:17","guid":{"rendered":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=36"},"modified":"2026-09-19T16:08:57","modified_gmt":"2026-09-19T16:08:57","slug":"precios","status":"publish","type":"page","link":"https:\/\/www.valorapatrimonial.com.pe\/?page_id=36","title":{"rendered":"Precios"},"content":{"rendered":"\n<!-- Fuente -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<!-- Contenedor Aislado Valora Precios -->\n<div id=\"vprice-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Precios\n           ========================================= *\/\n        #vprice-widget {\n            --vprice-navy: #0b1f3a;\n            --vprice-blue: #1a4f8a;\n            --vprice-blue-hover: #163c6b;\n            --vprice-charcoal: #4b5563;\n            --vprice-white: #ffffff;\n            --vprice-off-white: #f8fafc;\n            --vprice-gray-100: #f1f5f9;\n            --vprice-gray-200: #e2e8f0;\n            --vprice-blue-light: #dbeafe;\n            --vprice-green: #16a34a;\n            --vprice-green-bg: #dcfce7;\n            --vprice-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vprice-shadow-md: 0 10px 24px rgba(11, 31, 58, 0.12);\n            --vprice-shadow-lg: 0 20px 40px rgba(11, 31, 58, 0.18);\n            --vprice-radius: 14px;\n            --vprice-transition: 0.25s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vprice-white);\n            color: var(--vprice-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        #vprice-widget *,\n        #vprice-widget *::before,\n        #vprice-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vprice-widget h1,\n        #vprice-widget h2,\n        #vprice-widget h3,\n        #vprice-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vprice-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vprice-widget .vprice-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        \/* ========== HEADER ========== *\/\n        #vprice-widget .vprice-header {\n            text-align: center;\n            margin-bottom: 24px;\n        }\n\n        #vprice-widget .vprice-header h2 {\n            font-size: clamp(1.75rem, 4vw, 2.75rem);\n            font-weight: 800;\n            color: var(--vprice-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.15;\n            margin-bottom: 16px;\n        }\n\n        \/* ========== TRUST ROW ========== *\/\n        #vprice-widget .vprice-trust-row {\n            display: flex;\n            justify-content: center;\n            gap: 32px;\n            flex-wrap: wrap;\n            margin-bottom: 56px;\n        }\n\n        #vprice-widget .vprice-trust-item {\n            font-size: 0.95rem;\n            color: var(--vprice-charcoal);\n            display: flex;\n            align-items: center;\n            gap: 8px;\n            font-weight: 500;\n        }\n\n        #vprice-widget .vprice-trust-check {\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            width: 18px;\n            height: 18px;\n            background: var(--vprice-blue);\n            color: #ffffff;\n            border-radius: 50%;\n            font-weight: 800;\n            font-size: 0.65rem;\n        }\n\n        \/* ========== GRID DE PRECIOS ========== *\/\n        #vprice-widget .vprice-grid {\n            display: grid;\n            grid-template-columns: repeat(4, 1fr);\n            gap: 24px;\n            align-items: stretch;\n        }\n\n        \/* ========== CARD ========== *\/\n        #vprice-widget .vprice-card {\n            background: var(--vprice-white);\n            border: 1px solid var(--vprice-gray-200);\n            border-radius: var(--vprice-radius);\n            display: flex;\n            flex-direction: column;\n            transition: transform var(--vprice-transition), box-shadow var(--vprice-transition), border-color var(--vprice-transition);\n            position: relative;\n            overflow: hidden;\n            padding: 28px 24px;\n            box-shadow: var(--vprice-shadow-sm);\n        }\n\n        #vprice-widget .vprice-card:hover {\n            transform: translateY(-4px);\n            box-shadow: var(--vprice-shadow-md);\n            border-color: var(--vprice-blue);\n        }\n\n        \/* Card destacada (Premium) *\/\n        #vprice-widget .vprice-card-featured {\n            border-color: var(--vprice-blue);\n            box-shadow: 0 10px 30px rgba(26, 79, 138, 0.18);\n            transform: scale(1.02);\n            position: relative;\n        }\n\n        #vprice-widget .vprice-card-featured:hover {\n            transform: scale(1.02) translateY(-4px);\n        }\n\n        \/* Banner \"M\u00e1s popular\" *\/\n        #vprice-widget .vprice-banner {\n            position: absolute;\n            top: 0;\n            left: 0;\n            right: 0;\n            background: linear-gradient(90deg, var(--vprice-blue) 0%, var(--vprice-navy) 100%);\n            color: var(--vprice-white);\n            text-align: center;\n            font-size: 0.7rem;\n            font-weight: 800;\n            text-transform: uppercase;\n            letter-spacing: 0.1em;\n            padding: 10px 0;\n            border-radius: var(--vprice-radius) var(--vprice-radius) 0 0;\n        }\n\n        #vprice-widget .vprice-card-has-banner {\n            padding-top: 60px;\n        }\n\n        \/* T\u00edtulo del plan *\/\n        #vprice-widget .vprice-title {\n            font-size: 1.35rem;\n            font-weight: 800;\n            color: var(--vprice-navy);\n            margin-bottom: 10px;\n            letter-spacing: -0.01em;\n        }\n\n        \/* Descripci\u00f3n *\/\n        #vprice-widget .vprice-desc {\n            font-size: 0.9rem;\n            color: var(--vprice-charcoal);\n            margin-bottom: 18px;\n            min-height: 3.6em;\n            line-height: 1.5;\n        }\n\n        \/* Precio *\/\n        #vprice-widget .vprice-price {\n            font-size: 1.75rem;\n            font-weight: 800;\n            color: var(--vprice-navy);\n            margin-bottom: 4px;\n            line-height: 1.1;\n            letter-spacing: -0.02em;\n        }\n\n        #vprice-widget .vprice-price-label {\n            font-size: 0.8rem;\n            color: #94a3b8;\n            margin-bottom: 20px;\n            display: block;\n            font-weight: 500;\n        }\n\n        \/* Bot\u00f3n CTA *\/\n        #vprice-widget .vprice-cta {\n            display: block;\n            width: 100%;\n            background-color: var(--vprice-blue);\n            color: var(--vprice-white);\n            text-align: center;\n            padding: 14px 16px;\n            font-size: 0.9rem;\n            font-weight: 700;\n            font-family: inherit;\n            border: none;\n            border-radius: 8px;\n            cursor: pointer;\n            transition: background-color var(--vprice-transition), box-shadow var(--vprice-transition), transform var(--vprice-transition);\n            text-decoration: none;\n            margin-bottom: 24px;\n            letter-spacing: 0.01em;\n            box-shadow: 0 4px 12px rgba(26, 79, 138, 0.2);\n        }\n\n        #vprice-widget .vprice-cta:hover {\n            background-color: var(--vprice-navy);\n            box-shadow: 0 8px 20px rgba(11, 31, 58, 0.3);\n            transform: translateY(-2px);\n            color: var(--vprice-white);\n        }\n\n        \/* CTA secundario (para Valora Social) *\/\n        #vprice-widget .vprice-cta-social {\n            background-color: var(--vprice-green);\n            box-shadow: 0 4px 12px rgba(22, 163, 74, 0.2);\n        }\n\n        #vprice-widget .vprice-cta-social:hover {\n            background-color: #15803d;\n            box-shadow: 0 8px 20px rgba(22, 163, 74, 0.3);\n        }\n\n        \/* Features *\/\n        #vprice-widget .vprice-features-header {\n            font-weight: 700;\n            color: var(--vprice-navy);\n            margin-bottom: 14px;\n            font-size: 0.85rem;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n        }\n\n        #vprice-widget .vprice-features-list {\n            list-style: none;\n            padding: 0;\n            margin: 0;\n            flex-grow: 1;\n        }\n\n        #vprice-widget .vprice-features-list li {\n            display: flex;\n            align-items: flex-start;\n            gap: 10px;\n            margin-bottom: 12px;\n            font-size: 0.9rem;\n            color: var(--vprice-charcoal);\n            line-height: 1.5;\n            list-style: none;\n        }\n\n        #vprice-widget .vprice-features-list li:last-child {\n            margin-bottom: 0;\n        }\n\n        #vprice-widget .vprice-check-icon {\n            color: var(--vprice-blue);\n            flex-shrink: 0;\n            margin-top: 2px;\n            font-weight: 800;\n            font-size: 0.9rem;\n        }\n\n        \/* Badge de precio destacado *\/\n        #vprice-widget .vprice-badge-save {\n            display: inline-block;\n            background: var(--vprice-green-bg);\n            color: var(--vprice-green);\n            font-size: 0.7rem;\n            font-weight: 800;\n            padding: 3px 10px;\n            border-radius: 999px;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            margin-bottom: 12px;\n            align-self: flex-start;\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 1100px) {\n            #vprice-widget .vprice-grid {\n                grid-template-columns: repeat(2, 1fr);\n                gap: 20px;\n            }\n            #vprice-widget .vprice-card-featured {\n                transform: none;\n            }\n            #vprice-widget .vprice-card-featured:hover {\n                transform: translateY(-4px);\n            }\n        }\n\n        @media (max-width: 600px) {\n            #vprice-widget .vprice-section {\n                padding: 48px 16px;\n            }\n            #vprice-widget .vprice-grid {\n                grid-template-columns: 1fr;\n                max-width: 400px;\n                margin: 0 auto;\n                gap: 18px;\n            }\n            #vprice-widget .vprice-trust-row {\n                gap: 14px;\n                flex-direction: column;\n                align-items: center;\n                margin-bottom: 40px;\n            }\n            #vprice-widget .vprice-price {\n                font-size: 1.5rem;\n            }\n            #vprice-widget .vprice-desc {\n                min-height: auto;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vprice-widget .vprice-card,\n            #vprice-widget .vprice-cta {\n                transition: none;\n            }\n            #vprice-widget .vprice-card:hover,\n            #vprice-widget .vprice-card-featured:hover,\n            #vprice-widget .vprice-cta:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vprice-section\" aria-labelledby=\"vprice-heading\">\n\n        <!-- Header -->\n        <div class=\"vprice-header\">\n            <h2 id=\"vprice-heading\">Elige tu plan y empieza hoy<\/h2>\n        <\/div>\n\n        <!-- Trust Row -->\n        <div class=\"vprice-trust-row\">\n            <span class=\"vprice-trust-item\">\n                <span class=\"vprice-trust-check\">\u2713<\/span>\n                Sin compromiso\n            <\/span>\n            <span class=\"vprice-trust-item\">\n                <span class=\"vprice-trust-check\">\u2713<\/span>\n                Confidencialidad total\n            <\/span>\n            <span class=\"vprice-trust-item\">\n                <span class=\"vprice-trust-check\">\u2713<\/span>\n                Cancela cuando quieras\n            <\/span>\n        <\/div>\n\n        <!-- Grid de precios -->\n        <div class=\"vprice-grid\">\n\n            <!-- Plan 1: Diagn\u00f3stico -->\n            <div class=\"vprice-card\">\n                <h3 class=\"vprice-title\">Diagn\u00f3stico<\/h3>\n                <p class=\"vprice-desc\">\n                    Analizamos tu situaci\u00f3n financiera actual y te entregamos un plan de acci\u00f3n personalizado.\n                <\/p>\n                <div class=\"vprice-price\">S\/ 30<\/div>\n                <span class=\"vprice-price-label\">Pago \u00fanico \u00b7 Resultado en 48h<\/span>\n                <a href=\"#diagnostico\" class=\"vprice-cta\">Agendar diagn\u00f3stico<\/a>\n                <div class=\"vprice-features-header\">Incluye:<\/div>\n                <ul class=\"vprice-features-list\">\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Revisi\u00f3n de tu reporte crediticio<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> An\u00e1lisis de todas tus deudas activas<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Plan de acci\u00f3n personalizado<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Recomendaciones de ahorro inmediato<\/li>\n                <\/ul>\n            <\/div>\n\n            <!-- Plan 2: Premium (destacado) -->\n            <div class=\"vprice-card vprice-card-featured vprice-card-has-banner\">\n                <div class=\"vprice-banner\">M\u00e1s popular<\/div>\n                <h3 class=\"vprice-title\">Premium<\/h3>\n                <p class=\"vprice-desc\">\n                    Acompa\u00f1amiento integral mes a mes para salir de deudas y reconstruir tu historial crediticio.\n                <\/p>\n                <div class=\"vprice-price\">S\/ 60<\/div>\n                <span class=\"vprice-price-label\">Mensual \u00b7 Sin contrato forzoso<\/span>\n                <a href=\"#premium\" class=\"vprice-cta\">Empezar ahora<\/a>\n                <div class=\"vprice-features-header\">Todo lo del Diagn\u00f3stico, m\u00e1s:<\/div>\n                <ul class=\"vprice-features-list\">\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Negociaci\u00f3n con tus acreedores<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Plan de pagos personalizado<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Reconstrucci\u00f3n de score crediticio<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Alertas de pago autom\u00e1ticas por WhatsApp<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Acceso a cursos y webinars<\/li>\n                <\/ul>\n            <\/div>\n\n            <!-- Plan 3: Patrimonial -->\n            <div class=\"vprice-card\">\n                <span class=\"vprice-badge-save\">Largo plazo<\/span>\n                <h3 class=\"vprice-title\">Patrimonial<\/h3>\n                <p class=\"vprice-desc\">\n                    Asesor\u00eda de inversiones y construcci\u00f3n de patrimonio para familias que ya salieron de deudas.\n                <\/p>\n                <div class=\"vprice-price\">3%<\/div>\n                <span class=\"vprice-price-label\">Anual sobre patrimonio asesorado<\/span>\n                <a href=\"#patrimonial\" class=\"vprice-cta\">Agendar asesor\u00eda<\/a>\n                <div class=\"vprice-features-header\">Todo lo de Premium, m\u00e1s:<\/div>\n                <ul class=\"vprice-features-list\">\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Asesor\u00eda de inversiones personalizada<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Portafolio diversificado<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Planificaci\u00f3n de metas financieras<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Gesti\u00f3n de patrimonio familiar<\/li>\n                <\/ul>\n            <\/div>\n\n            <!-- Plan 4: Valora Social -->\n            <div class=\"vprice-card\">\n                <span class=\"vprice-badge-save\">Impacto social<\/span>\n                <h3 class=\"vprice-title\">Valora Social<\/h3>\n                <p class=\"vprice-desc\">\n                    Programa subsidiado para familias en situaci\u00f3n vulnerable que no pueden costear el acompa\u00f1amiento.\n                <\/p>\n                <div class=\"vprice-price\">Subsidiado<\/div>\n                <span class=\"vprice-price-label\">Hasta 100% de cobertura<\/span>\n                <a href=\"#social\" class=\"vprice-cta vprice-cta-social\">Postular al programa<\/a>\n                <div class=\"vprice-features-header\">Incluye:<\/div>\n                <ul class=\"vprice-features-list\">\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Diagn\u00f3stico gratuito o subsidiado<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Membres\u00eda Premium sin costo<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Prioridad en atenci\u00f3n WhatsApp<\/li>\n                    <li><span class=\"vprice-check-icon\">\u2713<\/span> Acceso a becas de educaci\u00f3n financiera<\/li>\n                <\/ul>\n            <\/div>\n\n        <\/div>\n    <\/section>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- Fuente -->\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&#038;display=swap\" rel=\"stylesheet\">\n\n<!-- Contenedor Aislado Valora Comparativa -->\n<div id=\"vcomp-widget\">\n    <style>\n        \/* =========================================\n           CSS ENCAPSULADO - Valora Comparativa\n           ========================================= *\/\n        #vcomp-widget {\n            --vcomp-navy: #0b1f3a;\n            --vcomp-blue: #1a4f8a;\n            --vcomp-blue-hover: #163c6b;\n            --vcomp-charcoal: #4b5563;\n            --vcomp-white: #ffffff;\n            --vcomp-off-white: #f8fafc;\n            --vcomp-gray-100: #f1f5f9;\n            --vcomp-gray-200: #e2e8f0;\n            --vcomp-gray-300: #cbd5e1;\n            --vcomp-blue-light: #dbeafe;\n            --vcomp-green: #16a34a;\n            --vcomp-green-bg: #dcfce7;\n            --vcomp-shadow-sm: 0 4px 12px rgba(11, 31, 58, 0.06);\n            --vcomp-radius: 10px;\n            --vcomp-transition: 0.25s ease;\n\n            font-family: \"Inter\", system-ui, -apple-system, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n            background-color: var(--vcomp-white);\n            color: var(--vcomp-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        #vcomp-widget *,\n        #vcomp-widget *::before,\n        #vcomp-widget *::after {\n            margin: 0;\n            padding: 0;\n            box-sizing: border-box;\n        }\n\n        #vcomp-widget h1,\n        #vcomp-widget h2,\n        #vcomp-widget h3,\n        #vcomp-widget p {\n            margin-top: 0;\n            background: transparent;\n            border: none;\n        }\n\n        #vcomp-widget a {\n            text-decoration: none;\n            box-shadow: none;\n        }\n\n        \/* ========== SECCI\u00d3N ========== *\/\n        #vcomp-widget .vcomp-section {\n            max-width: 1200px;\n            margin: 0 auto;\n            padding: 80px 24px;\n        }\n\n        #vcomp-widget .vcomp-header {\n            text-align: center;\n            margin-bottom: 48px;\n        }\n\n        #vcomp-widget .vcomp-header h2 {\n            font-size: clamp(1.5rem, 3.5vw, 2.5rem);\n            font-weight: 800;\n            color: var(--vcomp-navy);\n            letter-spacing: -0.025em;\n            line-height: 1.2;\n        }\n\n        \/* ========== TABLA ========== *\/\n        #vcomp-widget .vcomp-table-container {\n            overflow-x: auto;\n            border: 1px solid var(--vcomp-gray-200);\n            border-radius: var(--vcomp-radius);\n            box-shadow: var(--vcomp-shadow-sm);\n            -webkit-overflow-scrolling: touch;\n        }\n\n        #vcomp-widget .vcomp-table {\n            width: 100%;\n            min-width: 900px;\n            border-collapse: collapse;\n            background: var(--vcomp-white);\n        }\n\n        \/* Columna izquierda sticky *\/\n        #vcomp-widget .vcomp-sticky-col {\n            position: sticky;\n            left: 0;\n            background: var(--vcomp-white);\n            z-index: 2;\n            min-width: 220px;\n            max-width: 220px;\n            border-right: 1px solid var(--vcomp-gray-200);\n            box-shadow: 1px 0 0 var(--vcomp-gray-200);\n        }\n\n        \/* ===== Celdas de cabecera ===== *\/\n        #vcomp-widget .vcomp-label-header {\n            padding: 20px 18px;\n            text-align: left;\n            vertical-align: top;\n            background: var(--vcomp-white);\n            font-weight: 700;\n            color: var(--vcomp-navy);\n        }\n\n        #vcomp-widget .vcomp-label-main {\n            font-size: 1.05rem;\n            margin-bottom: 16px;\n            line-height: 1.3;\n        }\n\n        \/* Leyenda *\/\n        #vcomp-widget .vcomp-legend {\n            font-size: 0.85rem;\n            font-weight: 400;\n            color: var(--vcomp-charcoal);\n            display: flex;\n            flex-direction: column;\n            gap: 6px;\n        }\n\n        #vcomp-widget .vcomp-legend-title {\n            font-weight: 800;\n            color: var(--vcomp-navy);\n            margin-bottom: 6px;\n            font-size: 0.8rem;\n            text-transform: uppercase;\n            letter-spacing: 0.06em;\n        }\n\n        #vcomp-widget .vcomp-legend .vcomp-check,\n        #vcomp-widget .vcomp-legend .vcomp-dash {\n            font-weight: 800;\n            display: inline-block;\n            width: 20px;\n            text-align: center;\n        }\n\n        #vcomp-widget .vcomp-legend .vcomp-check {\n            color: var(--vcomp-blue);\n        }\n\n        #vcomp-widget .vcomp-legend .vcomp-dash {\n            color: #94a3b8;\n        }\n\n        \/* ===== Columna de plan ===== *\/\n        #vcomp-widget .vcomp-plan-col {\n            padding: 20px 14px;\n            text-align: center;\n            vertical-align: top;\n            border-right: 1px solid var(--vcomp-gray-200);\n            background: var(--vcomp-white);\n            min-width: 170px;\n            position: relative;\n        }\n\n        #vcomp-widget .vcomp-plan-col:last-child {\n            border-right: none;\n        }\n\n        \/* Plan destacado *\/\n        #vcomp-widget .vcomp-plan-featured {\n            background: linear-gradient(180deg, var(--vcomp-blue-light) 0%, var(--vcomp-white) 40%);\n        }\n\n        \/* Badge destacado *\/\n        #vcomp-widget .vcomp-plan-badge {\n            position: absolute;\n            top: 0;\n            left: 0;\n            right: 0;\n            background: var(--vcomp-blue);\n            color: var(--vcomp-white);\n            font-size: 0.65rem;\n            font-weight: 800;\n            text-transform: uppercase;\n            letter-spacing: 0.1em;\n            padding: 5px 0;\n            border-top-left-radius: var(--vcomp-radius);\n            border-top-right-radius: var(--vcomp-radius);\n        }\n\n        #vcomp-widget .vcomp-plan-featured .vcomp-plan-title {\n            margin-top: 12px;\n        }\n\n        #vcomp-widget .vcomp-plan-title {\n            font-size: 1.15rem;\n            font-weight: 800;\n            color: var(--vcomp-navy);\n            margin-bottom: 10px;\n            line-height: 1.2;\n        }\n\n        #vcomp-widget .vcomp-price {\n            font-size: 1.5rem;\n            font-weight: 800;\n            color: var(--vcomp-navy);\n            margin-bottom: 4px;\n            line-height: 1.1;\n            letter-spacing: -0.02em;\n        }\n\n        #vcomp-widget .vcomp-billing-cycle {\n            display: block;\n            font-size: 0.7rem;\n            font-weight: 500;\n            color: #94a3b8;\n            margin-top: 4px;\n            text-transform: none;\n            letter-spacing: 0;\n        }\n\n        \/* ===== Bot\u00f3n CTA ===== *\/\n        #vcomp-widget .vcomp-cta-button {\n            display: block;\n            width: 100%;\n            background-color: var(--vcomp-blue);\n            color: var(--vcomp-white);\n            text-align: center;\n            padding: 11px 8px;\n            font-size: 0.82rem;\n            font-weight: 700;\n            font-family: inherit;\n            border: none;\n            border-radius: 8px;\n            cursor: pointer;\n            transition: background-color var(--vcomp-transition), box-shadow var(--vcomp-transition), transform var(--vcomp-transition);\n            text-decoration: none;\n            margin-top: 14px;\n            letter-spacing: 0.01em;\n            line-height: 1.3;\n        }\n\n        #vcomp-widget .vcomp-cta-button:hover {\n            background-color: var(--vcomp-navy);\n            box-shadow: 0 4px 12px rgba(11, 31, 58, 0.25);\n            color: var(--vcomp-white);\n            transform: translateY(-1px);\n        }\n\n        \/* CTA social (verde) *\/\n        #vcomp-widget .vcomp-cta-social {\n            background-color: var(--vcomp-green);\n        }\n\n        #vcomp-widget .vcomp-cta-social:hover {\n            background-color: #15803d;\n            box-shadow: 0 4px 12px rgba(22, 163, 74, 0.25);\n        }\n\n        \/* ===== Fila de categor\u00eda ===== *\/\n        #vcomp-widget .vcomp-category-row td {\n            background: var(--vcomp-off-white);\n            border-top: 1px solid var(--vcomp-gray-200);\n            border-bottom: 1px solid var(--vcomp-gray-200);\n            padding: 14px 18px;\n            font-weight: 800;\n            color: var(--vcomp-navy);\n            font-size: 0.9rem;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n        }\n\n        #vcomp-widget .vcomp-category-label {\n            display: flex;\n            align-items: center;\n            justify-content: space-between;\n        }\n\n        #vcomp-widget .vcomp-accordion-toggle {\n            background: none;\n            border: none;\n            cursor: pointer;\n            color: var(--vcomp-navy);\n            font-size: 0.75rem;\n            padding: 4px;\n            transition: transform var(--vcomp-transition);\n            display: inline-flex;\n            align-items: center;\n            box-shadow: none;\n            font-family: inherit;\n            line-height: 1;\n        }\n\n        #vcomp-widget .vcomp-accordion-toggle.vcomp-collapsed {\n            transform: rotate(180deg);\n        }\n\n        \/* ===== Filas de features ===== *\/\n        #vcomp-widget .vcomp-feature-row td {\n            padding: 14px 16px;\n            text-align: center;\n            border-bottom: 1px solid var(--vcomp-gray-200);\n            font-size: 0.9rem;\n            color: var(--vcomp-charcoal);\n            vertical-align: middle;\n        }\n\n        #vcomp-widget .vcomp-feature-row:last-child td {\n            border-bottom: none;\n        }\n\n        #vcomp-widget .vcomp-feature-label {\n            text-align: left;\n            font-weight: 600;\n            color: var(--vcomp-navy);\n            white-space: nowrap;\n            overflow: hidden;\n            text-overflow: ellipsis;\n            cursor: default;\n        }\n\n        \/* \u00cdcono info *\/\n        #vcomp-widget .vcomp-info-icon {\n            display: inline-flex;\n            align-items: center;\n            justify-content: center;\n            width: 15px;\n            height: 15px;\n            background: var(--vcomp-gray-200);\n            border-radius: 50%;\n            font-size: 0.6rem;\n            font-weight: 800;\n            color: #64748b;\n            margin-left: 4px;\n            cursor: help;\n            vertical-align: middle;\n            font-style: italic;\n        }\n\n        #vcomp-widget .vcomp-info-icon:hover {\n            background: var(--vcomp-blue-light);\n            color: var(--vcomp-blue);\n        }\n\n        \/* Checkmark *\/\n        #vcomp-widget .vcomp-check-icon {\n            color: var(--vcomp-blue);\n            font-weight: 800;\n            font-size: 1.05rem;\n            display: inline-block;\n        }\n\n        \/* Dash *\/\n        #vcomp-widget .vcomp-dash-icon {\n            color: #cbd5e1;\n            font-weight: 700;\n            font-size: 1rem;\n        }\n\n        \/* ===== Cebra en filas ===== *\/\n        #vcomp-widget .vcomp-features-tbody tr:nth-child(odd) {\n            background-color: var(--vcomp-off-white);\n        }\n\n        #vcomp-widget .vcomp-features-tbody tr:nth-child(odd) .vcomp-sticky-col {\n            background-color: var(--vcomp-off-white);\n        }\n\n        \/* Badge \"Destacado\" peque\u00f1o *\/\n        #vcomp-widget .vcomp-featured-badge {\n            display: inline-block;\n            background: var(--vcomp-green-bg);\n            color: var(--vcomp-green);\n            font-size: 0.65rem;\n            font-weight: 800;\n            padding: 3px 8px;\n            border-radius: 999px;\n            text-transform: uppercase;\n            letter-spacing: 0.05em;\n            margin-bottom: 6px;\n        }\n\n        \/* ========== RESPONSIVE ========== *\/\n        @media (max-width: 768px) {\n            #vcomp-widget .vcomp-section {\n                padding: 48px 16px;\n            }\n            #vcomp-widget .vcomp-table {\n                min-width: 720px;\n            }\n            #vcomp-widget .vcomp-sticky-col {\n                min-width: 180px;\n                max-width: 180px;\n            }\n            #vcomp-widget .vcomp-plan-col {\n                min-width: 130px;\n                padding: 16px 10px;\n            }\n            #vcomp-widget .vcomp-plan-title {\n                font-size: 1rem;\n            }\n            #vcomp-widget .vcomp-price {\n                font-size: 1.25rem;\n            }\n            #vcomp-widget .vcomp-cta-button {\n                font-size: 0.75rem;\n                padding: 9px 6px;\n            }\n        }\n\n        @media (prefers-reduced-motion: reduce) {\n            #vcomp-widget .vcomp-cta-button,\n            #vcomp-widget .vcomp-accordion-toggle {\n                transition: none;\n            }\n            #vcomp-widget .vcomp-cta-button:hover {\n                transform: none;\n            }\n        }\n    <\/style>\n\n    <section class=\"vcomp-section\" aria-labelledby=\"vcomp-heading\">\n\n        <!-- Header -->\n        <div class=\"vcomp-header\">\n            <h2 id=\"vcomp-heading\">Compara los planes de Valora lado a lado<\/h2>\n        <\/div>\n\n        <!-- Tabla -->\n        <div class=\"vcomp-table-container\">\n            <table class=\"vcomp-table\">\n                <thead>\n                    <tr>\n                        <!-- Columna izquierda sticky -->\n                        <th class=\"vcomp-sticky-col vcomp-label-header\">\n                            <div class=\"vcomp-label-main\">Caracter\u00edsticas por plan<\/div>\n                            <div class=\"vcomp-legend\">\n                                <div class=\"vcomp-legend-title\">Leyenda<\/div>\n                                <div><span class=\"vcomp-check\">\u2713<\/span> Incluido<\/div>\n                                <div><span class=\"vcomp-dash\">\u2014<\/span> No incluido<\/div>\n                            <\/div>\n                        <\/th>\n\n                        <!-- Plan 1: Diagn\u00f3stico -->\n                        <th class=\"vcomp-plan-col\">\n                            <div class=\"vcomp-plan-title\">Diagn\u00f3stico<\/div>\n                            <div class=\"vcomp-price\">\n                                S\/ 30\n                                <span class=\"vcomp-billing-cycle\">Pago \u00fanico<\/span>\n                            <\/div>\n                            <a href=\"#diagnostico\" class=\"vcomp-cta-button\">Agendar ahora<\/a>\n                        <\/th>\n\n                        <!-- Plan 2: Premium (destacado) -->\n                        <th class=\"vcomp-plan-col vcomp-plan-featured\">\n                            <div class=\"vcomp-plan-badge\">M\u00e1s popular<\/div>\n                            <div class=\"vcomp-plan-title\">Premium<\/div>\n                            <div class=\"vcomp-price\">\n                                S\/ 60\n                                <span class=\"vcomp-billing-cycle\">Mensual<\/span>\n                            <\/div>\n                            <a href=\"#premium\" class=\"vcomp-cta-button\">Empezar ahora<\/a>\n                        <\/th>\n\n                        <!-- Plan 3: Patrimonial -->\n                        <th class=\"vcomp-plan-col\">\n                            <div class=\"vcomp-plan-title\">Patrimonial<\/div>\n                            <div class=\"vcomp-price\">\n                                3%\n                                <span class=\"vcomp-billing-cycle\">Anual s\/ patrimonio<\/span>\n                            <\/div>\n                            <a href=\"#patrimonial\" class=\"vcomp-cta-button\">Agendar asesor\u00eda<\/a>\n                        <\/th>\n\n                        <!-- Plan 4: Valora Social -->\n                        <th class=\"vcomp-plan-col\">\n                            <div class=\"vcomp-plan-title\">Valora Social<\/div>\n                            <div class=\"vcomp-price\">\n                                Subsidiado\n                                <span class=\"vcomp-billing-cycle\">Hasta 100%<\/span>\n                            <\/div>\n                            <a href=\"#social\" class=\"vcomp-cta-button vcomp-cta-social\">Postular<\/a>\n                        <\/th>\n                    <\/tr>\n                <\/thead>\n\n                <!-- ====== CATEGOR\u00cdA 1: SERVICIOS INCLUIDOS ====== -->\n                <tbody class=\"vcomp-category-tbody\">\n                    <tr class=\"vcomp-category-row\">\n                        <td class=\"vcomp-sticky-col vcomp-category-label\">\n                            <span>Servicios incluidos<\/span>\n                            <button class=\"vcomp-accordion-toggle\" data-target=\"vcomp-cat-1\" aria-expanded=\"true\" aria-controls=\"vcomp-cat-1\">\n                                \u25b2\n                            <\/button>\n                        <\/td>\n                        <td colspan=\"4\"><\/td>\n                    <\/tr>\n                <\/tbody>\n                <tbody class=\"vcomp-features-tbody\" id=\"vcomp-cat-1\">\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Diagn\u00f3stico financiero <span class=\"vcomp-info-icon\" title=\"An\u00e1lisis completo de tu reporte crediticio y situaci\u00f3n actual\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Plan de acci\u00f3n personalizado <span class=\"vcomp-info-icon\" title=\"Estrategia de pagos adaptada a tu caso\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Negociaci\u00f3n con acreedores <span class=\"vcomp-info-icon\" title=\"Gesti\u00f3n directa con bancos y financieras\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Carta de no adeudo <span class=\"vcomp-info-icon\" title=\"Documento que certifica que ya no debes\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Reconstrucci\u00f3n de score <span class=\"vcomp-info-icon\" title=\"Plan para mejorar tu historial crediticio\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Asesor\u00eda de inversiones <span class=\"vcomp-info-icon\" title=\"Portafolio personalizado seg\u00fan tu perfil\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Gesti\u00f3n patrimonial <span class=\"vcomp-info-icon\" title=\"Administraci\u00f3n de tu patrimonio familiar\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                    <\/tr>\n                <\/tbody>\n\n                <!-- ====== CATEGOR\u00cdA 2: ATENCI\u00d3N Y SOPORTE ====== -->\n                <tbody class=\"vcomp-category-tbody\">\n                    <tr class=\"vcomp-category-row\">\n                        <td class=\"vcomp-sticky-col vcomp-category-label\">\n                            <span>Atenci\u00f3n y soporte<\/span>\n                            <button class=\"vcomp-accordion-toggle\" data-target=\"vcomp-cat-2\" aria-expanded=\"true\" aria-controls=\"vcomp-cat-2\">\n                                \u25b2\n                            <\/button>\n                        <\/td>\n                        <td colspan=\"4\"><\/td>\n                    <\/tr>\n                <\/tbody>\n                <tbody class=\"vcomp-features-tbody\" id=\"vcomp-cat-2\">\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Atenci\u00f3n por WhatsApp <span class=\"vcomp-info-icon\" title=\"Comunicaci\u00f3n directa por WhatsApp\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Alertas de pago autom\u00e1ticas <span class=\"vcomp-info-icon\" title=\"Recordatorios antes de cada cuota\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Atenci\u00f3n VIP 24\/7 <span class=\"vcomp-info-icon\" title=\"L\u00ednea directa disponible siempre\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Miembros de familia <span class=\"vcomp-info-icon\" title=\"Cu\u00e1ntas personas pueden usar el servicio\">i<\/span>\n                        <\/td>\n                        <td>1<\/td>\n                        <td>2<\/td>\n                        <td>4<\/td>\n                        <td>Ilimitado<\/td>\n                    <\/tr>\n                <\/tbody>\n\n                <!-- ====== CATEGOR\u00cdA 3: EDUCACI\u00d3N Y FORMACI\u00d3N ====== -->\n                <tbody class=\"vcomp-category-tbody\">\n                    <tr class=\"vcomp-category-row\">\n                        <td class=\"vcomp-sticky-col vcomp-category-label\">\n                            <span>Educaci\u00f3n y formaci\u00f3n<\/span>\n                            <button class=\"vcomp-accordion-toggle\" data-target=\"vcomp-cat-3\" aria-expanded=\"true\" aria-controls=\"vcomp-cat-3\">\n                                \u25b2\n                            <\/button>\n                        <\/td>\n                        <td colspan=\"4\"><\/td>\n                    <\/tr>\n                <\/tbody>\n                <tbody class=\"vcomp-features-tbody\" id=\"vcomp-cat-3\">\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Cursos y webinars <span class=\"vcomp-info-icon\" title=\"Contenido educativo grabado y en vivo\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Plantillas descargables <span class=\"vcomp-info-icon\" title=\"Presupuestos, control de gastos, etc.\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Academia Valora <span class=\"vcomp-info-icon\" title=\"Portal de cursos completos\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Certificaci\u00f3n <span class=\"vcomp-info-icon\" title=\"Certificado de educaci\u00f3n financiera\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                <\/tbody>\n\n                <!-- ====== CATEGOR\u00cdA 4: ADICIONALES PREMIUM ====== -->\n                <tbody class=\"vcomp-category-tbody\">\n                    <tr class=\"vcomp-category-row\">\n                        <td class=\"vcomp-sticky-col vcomp-category-label\">\n                            <span>Adicionales premium<\/span>\n                            <button class=\"vcomp-accordion-toggle\" data-target=\"vcomp-cat-4\" aria-expanded=\"true\" aria-controls=\"vcomp-cat-4\">\n                                \u25b2\n                            <\/button>\n                        <\/td>\n                        <td colspan=\"4\"><\/td>\n                    <\/tr>\n                <\/tbody>\n                <tbody class=\"vcomp-features-tbody\" id=\"vcomp-cat-4\">\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Asesor\u00eda legal <span class=\"vcomp-info-icon\" title=\"Abogados especializados en negociaci\u00f3n bancaria\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Asesor\u00eda tributaria SUNAT <span class=\"vcomp-info-icon\" title=\"Regularizaci\u00f3n con SUNAT\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Reportes financieros avanzados <span class=\"vcomp-info-icon\" title=\"An\u00e1lisis detallado mes a mes\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                    <tr class=\"vcomp-feature-row\">\n                        <td class=\"vcomp-sticky-col vcomp-feature-label\">\n                            Seguimiento continuo <span class=\"vcomp-info-icon\" title=\"Monitoreo semanal personalizado\">i<\/span>\n                        <\/td>\n                        <td><span class=\"vcomp-dash-icon\">\u2014<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                        <td><span class=\"vcomp-check-icon\">\u2713<\/span><\/td>\n                    <\/tr>\n                <\/tbody>\n\n            <\/table>\n        <\/div>\n    <\/section>\n<\/div>\n\n<!-- Script Aislado -->\n<script>\n    (function() {\n        const widget = document.getElementById('vcomp-widget');\n        if (!widget) return;\n\n        \/\/ Toggle accordion por categor\u00eda\n        widget.querySelectorAll('.vcomp-accordion-toggle').forEach(btn => {\n            btn.addEventListener('click', function() {\n                const targetId = this.getAttribute('data-target');\n                const targetTbody = document.getElementById(targetId);\n                if (!targetTbody) return;\n\n                const isExpanded = this.getAttribute('aria-expanded') === 'true';\n\n                \/\/ Toggle estado\n                this.setAttribute('aria-expanded', String(!isExpanded));\n                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    <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfNecesito tarjeta de cr\u00e9dito para agendar el diagn\u00f3stico?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p>No. Puedes agendar tu diagn\u00f3stico por <strong>S\/ 30<\/strong> pagando con <strong>Yape, Plin o transferencia bancaria<\/strong>, sin necesidad de tarjeta de cr\u00e9dito. El diagn\u00f3stico es un pago \u00fanico sin compromiso a continuar con la membres\u00eda.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 2 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfMe van a cobrar sin avisarme?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p><strong>Nunca.<\/strong> Todos nuestros cobros son transparentes y avisados con antelaci\u00f3n:<\/p>\n                        <ul>\n                            <li>Recibir\u00e1s un <strong>recordatorio por WhatsApp 3 d\u00edas antes<\/strong> de cada cuota<\/li>\n                            <li>Nunca te pediremos dep\u00f3sitos a cuentas personales<\/li>\n                            <li>No hay contratos forzosos ni renovaciones autom\u00e1ticas<\/li>\n                            <li>Puedes cancelar cuando quieras sin penalidades<\/li>\n                        <\/ul>\n                        <div class=\"vpfaq-highlight\">\n                            <strong>Sin letras chiquitas.<\/strong> Todos los precios y condiciones son p\u00fablicos y claros.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 3 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfCu\u00e1ntos miembros de mi familia pueden usar el servicio?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p>Depende del plan que elijas:<\/p>\n                        <ul>\n                            <li><strong>Diagn\u00f3stico:<\/strong> 1 persona (el titular)<\/li>\n                            <li><strong>Premium:<\/strong> hasta 2 miembros de familia<\/li>\n                            <li><strong>Patrimonial:<\/strong> hasta 4 miembros de familia<\/li>\n                            <li><strong>Valora Social:<\/strong> sin l\u00edmite (acompa\u00f1amiento familiar completo)<\/li>\n                        <\/ul>\n                        <p>Si tu familia es m\u00e1s grande, escr\u00edbenos por WhatsApp y evaluamos tu caso de forma personalizada.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 4 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfQu\u00e9 m\u00e9todos de pago aceptan?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p>Aceptamos m\u00faltiples m\u00e9todos para que te sea f\u00e1cil pagar:<\/p>\n                        <ul>\n                            <li><strong>Yape<\/strong> (sin comisi\u00f3n)<\/li>\n                            <li><strong>Plin<\/strong> (sin comisi\u00f3n)<\/li>\n                            <li><strong>Transferencia bancaria<\/strong> (BCP, Interbank, BBVA)<\/li>\n                            <li><strong>Tarjeta de cr\u00e9dito o d\u00e9bito<\/strong> (Visa, Mastercard)<\/li>\n                            <li><strong>Efectivo<\/strong> (en oficina central en Satipo)<\/li>\n                        <\/ul>\n                        <p>Emitimos <strong>boleta electr\u00f3nica<\/strong> por cada pago. Recibir\u00e1s el comprobante autom\u00e1ticamente por email.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 5 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfCu\u00e1nto cuesta Valora?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p>Nuestros precios son claros y adaptados a cada necesidad:<\/p>\n                        <ul>\n                            <li><strong>Diagn\u00f3stico:<\/strong> S\/ 30 (pago \u00fanico)<\/li>\n                            <li><strong>Premium:<\/strong> S\/ 60 mensuales<\/li>\n                            <li><strong>Patrimonial:<\/strong> 3% anual sobre patrimonio asesorado<\/li>\n                            <li><strong>Valora Social:<\/strong> subsidiado hasta 100% para familias vulnerables<\/li>\n                        <\/ul>\n                        <p>Sin costos ocultos, sin comisiones por apertura, sin sorpresas.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 6 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfQu\u00e9 incluye el servicio Premium?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p>El plan Premium es nuestro servicio m\u00e1s popular e incluye:<\/p>\n                        <ul>\n                            <li>Negociaci\u00f3n directa con tus acreedores<\/li>\n                            <li>Plan de pagos personalizado y realista<\/li>\n                            <li>Reconstrucci\u00f3n de tu score crediticio<\/li>\n                            <li>Alertas de pago autom\u00e1ticas por WhatsApp<\/li>\n                            <li>Acceso completo a la Academia Valora (cursos y webinars)<\/li>\n                            <li>Seguimiento mensual personalizado<\/li>\n                            <li>Asistencia por WhatsApp con tu asesor<\/li>\n                        <\/ul>\n                        <p>El objetivo: que en 12-18 meses salgas de deudas, tengas tu carta de no adeudo y hayas reconstruido tu historial.<\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 7 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfHay apoyo para familias vulnerables?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p><strong>S\u00ed.<\/strong> En Valora creemos que nadie deber\u00eda quedarse sin acompa\u00f1amiento financiero por falta de recursos.<\/p>\n                        <p>Nuestro <strong>Programa Valora Social<\/strong> ofrece acompa\u00f1amiento subsidiado de hasta el 100% a familias en situaci\u00f3n vulnerable, en alianza con ONGs locales de la Selva Central.<\/p>\n                        <div class=\"vpfaq-highlight vpfaq-highlight-green\">\n                            <strong>\u00bfC\u00f3mo postular?<\/strong> Escr\u00edbenos por WhatsApp o completa el formulario en la secci\u00f3n <a href=\"#valora-social\">Valora Social<\/a>. Nuestro equipo evaluar\u00e1 tu caso de forma confidencial.\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- Pregunta 8 -->\n            <div class=\"vpfaq-item\">\n                <button class=\"vpfaq-question\" aria-expanded=\"false\">\n                    <span>\u00bfPuedo pagar anualmente con descuento?<\/span>\n                    <span class=\"vpfaq-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=\"vpfaq-content\">\n                    <div class=\"vpfaq-content-inner\">\n                        <p><strong>S\u00ed.<\/strong> Ofrecemos dos modalidades de pago para la membres\u00eda Premium:<\/p>\n                        <ul>\n                            <li><strong>Pago mensual:<\/strong> S\/ 60 al mes<\/li>\n                            <li><strong>Pago anual:<\/strong> S\/ 600 al a\u00f1o (equivale a S\/ 50\/mes \u2192 <strong>ahorras S\/ 120 al a\u00f1o<\/strong>)<\/li>\n                        <\/ul>\n                        <p>El pago anual incluye adem\u00e1s una <strong>sesi\u00f3n adicional de asesor\u00eda personalizada<\/strong> sin costo y prioridad en atenci\u00f3n WhatsApp.<\/p>\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('vpfaq-widget');\n        if (!widget) return;\n\n        const items = widget.querySelectorAll('.vpfaq-item');\n\n        function closeItem(item) {\n            const btn = item.querySelector('.vpfaq-question');\n            const content = item.querySelector('.vpfaq-content');\n            btn.classList.remove('vpfaq-active');\n            btn.setAttribute('aria-expanded', 'false');\n            content.classList.remove('vpfaq-open');\n        }\n\n        function openItem(item) {\n            const btn = item.querySelector('.vpfaq-question');\n            const content = item.querySelector('.vpfaq-content');\n            btn.classList.add('vpfaq-active');\n            btn.setAttribute('aria-expanded', 'true');\n            content.classList.add('vpfaq-open');\n        }\n\n        widget.querySelectorAll('.vpfaq-question').forEach(btn => {\n            btn.addEventListener('click', function() {\n                const item = this.closest('.vpfaq-item');\n                const isActive = this.classList.contains('vpfaq-active');\n\n                \/\/ Cerrar todos\n                items.forEach(otherItem => {\n                    if (otherItem !== item) closeItem(otherItem);\n                });\n\n                \/\/ Toggle actual\n                if (isActive) closeItem(item);\n                else openItem(item);\n            });\n\n            \/\/ Accesibilidad de teclado\n            btn.addEventListener('keydown', function(e) {\n                if (e.key === 'Enter' || e.key === ' ') {\n                    e.preventDefault();\n                    this.click();\n                }\n            });\n        });\n\n        \/\/ Abrir la primera pregunta por defecto\n        if (items.length > 0) {\n            openItem(items[0]);\n        }\n    })();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Elige tu plan y empieza hoy \u2713 Sin compromiso \u2713 Confidencialidad total \u2713 Cancela cuando quieras Diagn\u00f3stico Analizamos tu situaci\u00f3n financiera actual y te entregamos un plan de acci\u00f3n personalizado. S\/ 30 Pago \u00fanico \u00b7 Resultado en 48h Agendar diagn\u00f3stico Incluye: \u2713 Revisi\u00f3n de tu reporte crediticio \u2713 An\u00e1lisis de todas tus deudas activas \u2713 [&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-36","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/36","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=36"}],"version-history":[{"count":7,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/36\/revisions"}],"predecessor-version":[{"id":486,"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=\/wp\/v2\/pages\/36\/revisions\/486"}],"wp:attachment":[{"href":"https:\/\/www.valorapatrimonial.com.pe\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}