:root{--verde:#1b2a80;--verde2:#2559b8;--oro:#9ac71f;--azul:#3b95d4;--carbon:#0b1546;--texto:#1d2433;--gris:#475069;--linea:#dfe6f2;}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%;}
img{max-width:100%;height:auto;display:block;}
body{font-family:'Poppins',sans-serif;background:#f4f7fc;color:var(--texto);line-height:1.6;overflow-x:hidden;}
h1,h2,h3{font-family:'Playfair Display',serif;}
a{color:var(--verde2);}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}
.skip{position:fixed;left:12px;top:-60px;z-index:10000;background:var(--oro);color:var(--carbon);padding:12px 18px;border-radius:8px;font-weight:600;text-decoration:none;transition:top .2s;}
.skip:focus{top:12px;}
:focus-visible{outline:3px solid var(--azul);outline-offset:3px;border-radius:4px;}

/* header */
.top{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 16px rgba(11,21,70,.12);border-bottom:3px solid var(--oro);display:flex;align-items:center;justify-content:space-between;gap:12px;padding:4px 20px;}
.top .brand img{height:56px;width:auto;}
.top nav ul{list-style:none;display:flex;gap:4px;align-items:center;}
.top nav a{display:block;padding:14px 12px;color:var(--verde2);font-weight:500;font-size:.8rem;letter-spacing:1px;text-transform:uppercase;text-decoration:none;}
.top nav a:hover{color:var(--verde);}
.top .cta{background:#25D366;color:#0b1546!important;border-radius:30px;padding:11px 20px!important;font-weight:600;letter-spacing:.5px;text-transform:none!important;font-size:.88rem!important;}
.top .cta:hover{background:#1fba59;}
@media(max-width:900px){.top nav li.opt{display:none;}.top .brand img{height:46px;}}

/* hero */
.hero{background:linear-gradient(120deg,var(--carbon),var(--verde) 60%,var(--verde2));color:#fff;padding:54px 6vw 70px;}
.hero-in{max-width:1000px;margin:0 auto;}
.crumbs{font-size:.82rem;margin-bottom:22px;color:#c8d1ee;}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--oro);}
.crumbs a{color:#fff;text-decoration:none;padding:6px 0;display:inline-block;}
.crumbs a:hover{text-decoration:underline;}
.hero h1{font-size:clamp(1.9rem,4.4vw,3rem);line-height:1.18;}
.hero h1 em{font-style:normal;color:var(--oro);}
.hero .lead{margin-top:18px;max-width:760px;color:#dfe4f4;font-weight:300;font-size:1.05rem;line-height:1.75;}
.btns{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px;}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:13px 28px;border-radius:40px;font-weight:600;letter-spacing:.5px;text-decoration:none;transition:.3s;font-size:.95rem;}
.btn.wa{background:#25D366;color:#0b1546;box-shadow:0 8px 20px rgba(37,211,102,.35);}
.btn.wa:hover{transform:translateY(-3px);background:#1fba59;}
.btn.ghost{border:2px solid #fff;color:#fff;}
.btn.ghost:hover{background:#fff;color:var(--carbon);}
.btn.dark{background:var(--verde);color:#fff;}
.btn.dark:hover{background:var(--carbon);}

/* contenido */
main{display:block;}
.wrap{max-width:1000px;margin:0 auto;padding:0 6vw;}
.block{padding:54px 0 10px;}
.block h2{color:var(--verde);font-size:clamp(1.55rem,3vw,2.1rem);margin-bottom:14px;line-height:1.25;}
.block p{color:var(--gris);font-weight:300;line-height:1.85;margin-bottom:14px;font-size:1rem;}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-top:22px;}
.card{background:#fff;border-radius:16px;padding:24px 22px;box-shadow:0 10px 26px rgba(11,21,70,.08);border-top:4px solid var(--oro);}
.card:nth-child(3n+2){border-top-color:var(--azul);}
.card:nth-child(3n){border-top-color:var(--verde);}
.card h3{font-family:'Poppins',sans-serif;font-size:1.02rem;font-weight:600;color:var(--verde);margin-bottom:8px;}
.card p{font-size:.92rem;margin:0;}
.checks{list-style:none;margin-top:14px;display:grid;gap:10px;}
.checks li{position:relative;padding:12px 16px 12px 46px;background:#fff;border-radius:12px;box-shadow:0 6px 18px rgba(11,21,70,.06);color:var(--gris);font-weight:300;line-height:1.6;}
.checks li::before{content:"✓";position:absolute;left:14px;top:50%;transform:translateY(-50%);width:24px;height:24px;border-radius:50%;background:var(--oro);color:var(--carbon);font-weight:700;font-size:.8rem;display:flex;align-items:center;justify-content:center;}
.faq{display:grid;gap:10px;margin-top:18px;}
.faq details{background:#fff;border-radius:12px;box-shadow:0 6px 18px rgba(11,21,70,.06);border-left:4px solid var(--oro);}
.faq summary{cursor:pointer;list-style:none;padding:16px 50px 16px 20px;font-weight:500;color:var(--verde);position:relative;min-height:54px;display:flex;align-items:center;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--verde2);font-weight:300;}
.faq details[open] summary::after{content:"–";}
.faq .ans{padding:0 20px 18px;color:var(--gris);font-weight:300;line-height:1.75;font-size:.95rem;}
.cta-band{margin:56px 0 0;background:linear-gradient(120deg,var(--carbon),var(--verde) 60%,var(--verde2));color:#fff;border-radius:22px;padding:38px 6vw;text-align:center;box-shadow:0 18px 40px rgba(11,21,70,.25);}
.cta-band h2{color:#fff;font-size:clamp(1.4rem,3vw,1.9rem);margin-bottom:10px;}
.cta-band p{color:#dfe4f4;font-weight:300;margin-bottom:6px;}
.cta-band .btns{justify-content:center;}
.related{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px;}
.related a{background:#fff;border:1.5px solid var(--linea);border-radius:30px;padding:10px 18px;text-decoration:none;font-weight:500;font-size:.9rem;color:var(--verde2);min-height:44px;display:inline-flex;align-items:center;}
.related a:hover{border-color:var(--oro);background:#f6fbe6;}
.legal-doc{max-width:860px;margin:-30px auto 60px;background:#fff;border-radius:14px;box-shadow:0 14px 40px rgba(11,21,70,.12);padding:44px 6vw 36px;position:relative;}
.legal-doc h2{font-size:1.4rem;color:var(--verde);margin:30px 0 10px;scroll-margin-top:90px;}
.legal-doc h2:first-of-type{margin-top:0;}
.legal-doc p,.legal-doc li{color:var(--gris);line-height:1.8;font-weight:300;font-size:.97rem;}
.legal-doc p{margin-bottom:12px;}
.legal-doc ul{margin:6px 0 14px 22px;}
.upd{font-size:.82rem;color:#6b7699;margin-bottom:18px;}
.pad-bottom{height:60px;}

/* footer */
footer{background:var(--carbon);color:#b9c1dd;font-size:.88rem;border-top:4px solid var(--oro);margin-top:30px;}
.foot-top{max-width:1200px;margin:0 auto;padding:56px 6vw 40px;display:grid;grid-template-columns:1.5fr 1fr 1.1fr 1.3fr;gap:40px;}
.foot-brand .logo-card{display:inline-block;background:#fff;border-radius:16px;padding:12px 18px;}
.foot-brand .logo-card img{height:72px;width:auto;}
.foot-brand p{margin-top:18px;line-height:1.7;font-weight:300;max-width:310px;}
.foot-h{color:#fff;font-size:.85rem;letter-spacing:2px;text-transform:uppercase;margin-bottom:18px;position:relative;padding-bottom:10px;font-weight:600;}
.foot-h::after{content:"";position:absolute;left:0;bottom:0;width:34px;height:3px;background:var(--oro);}
.foot-col ul{list-style:none;display:grid;gap:6px;}
.foot-col a{color:#b9c1dd;text-decoration:none;transition:.25s;display:inline-block;padding:3px 0;}
.foot-col a:hover{color:var(--oro);}
.foot-contact li{display:flex;gap:12px;align-items:flex-start;line-height:1.5;padding:3px 0;}
.foot-contact svg{flex:none;color:var(--oro);margin-top:3px;}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);background:rgba(0,0,0,.18);}
.foot-bottom-in{max-width:1200px;margin:0 auto;padding:20px 6vw;display:flex;flex-wrap:wrap;gap:16px 30px;align-items:center;justify-content:space-between;font-size:.8rem;}
.foot-bottom a.legal{color:#b9c1dd;text-decoration:none;display:inline-block;padding:6px 2px;}
.foot-bottom a.legal:hover{color:var(--oro);}
.copy span{color:var(--oro);}
.tel a{color:#fff;text-decoration:none;font-weight:500;display:inline-flex;align-items:center;min-height:44px;}
.social-row{display:flex;gap:10px;}
.social-row a{width:44px;height:44px;border-radius:50%;border:1px solid rgba(154,199,31,.5);display:flex;align-items:center;justify-content:center;color:var(--oro);transition:.3s;}
.social-row a:hover{background:var(--oro);color:var(--carbon);}
@media(max-width:960px){.foot-top{grid-template-columns:1fr 1fr;}}
@media(max-width:1100px),(pointer:coarse){.foot-col a{display:inline-flex;align-items:center;min-height:44px;padding:0;}.foot-bottom a.legal{min-height:44px;display:inline-flex;align-items:center;}.crumbs a{min-height:44px;display:inline-flex;align-items:center;}}
@media(max-width:560px){.foot-top{grid-template-columns:1fr;gap:30px;padding-top:44px;}.foot-bottom-in{flex-direction:column;text-align:center;}.hero{padding:40px 5vw 56px;}.btn{width:100%;}.legal-doc{padding:32px 22px 26px;}}
.wa-float{position:fixed;bottom:22px;right:22px;width:56px;height:56px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.3);z-index:60;text-decoration:none;}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important;}}