*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--azul:#0D2B4E;--azul-medio:#1F4E79;--verde:#1DB97A;--verde-oscuro:#128a5a;--verde-claro:#E1F5EE;--bg:#F7F9FC;--texto:#1A1A2E;--sec:#5A6A7E;--borde:#DDE3ED}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--texto);background:#fff;line-height:1.65}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 1.5rem}
h1,h2,h3{line-height:1.2;color:var(--azul)}
/* header */
header{position:sticky;top:0;z-index:100;background:var(--azul);box-shadow:0 2px 12px rgba(0,0,0,.25)}
nav{display:flex;align-items:center;justify-content:space-between;height:64px;gap:1rem}
.logo{background:#fff;padding:.4rem .9rem;border-radius:10px;display:flex}
.logo img{height:30px;width:auto}
.nav-links{display:flex;gap:1.6rem;list-style:none;align-items:center}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-size:14px}
.nav-links a:hover{color:var(--verde)}
.lang{border:1px solid rgba(255,255,255,.35);border-radius:6px;padding:.25rem .7rem;font-size:13px;font-weight:600;letter-spacing:.5px}
.nav-cta{background:var(--verde);color:#fff!important;padding:.45rem 1.1rem;border-radius:6px;font-weight:500}
.nav-cta:hover{background:var(--verde-oscuro)!important}
.burger{display:none;background:none;border:0;cursor:pointer;padding:.5rem}
.burger span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;border-radius:2px}
.mobile{display:none;flex-direction:column;background:var(--azul);padding:.5rem 1.5rem 1.2rem}
.mobile a{color:#fff;text-decoration:none;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile.open{display:flex}
@media(max-width:860px){.nav-links{display:none}.burger{display:block}}
/* hero */
.hero{background:linear-gradient(135deg,var(--azul),#163D6E 60%,var(--azul));color:#fff;padding:5.5rem 0 4.5rem;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 80% 40%,rgba(29,185,122,.18),transparent 60%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.badge{display:inline-block;background:rgba(29,185,122,.15);border:1px solid rgba(29,185,122,.4);color:#5be0a8;font-size:12px;font-weight:600;letter-spacing:1px;padding:.35rem 1rem;border-radius:50px;margin-bottom:1.3rem;text-transform:uppercase}
.hero h1{color:#fff;font-size:clamp(28px,4.4vw,46px);font-weight:700;margin-bottom:1.1rem}
.hero p.lead{color:rgba(255,255,255,.82);font-size:18px;max-width:560px;margin-bottom:2rem}
.btns{display:flex;gap:.9rem;flex-wrap:wrap}
.btn{display:inline-block;padding:.85rem 1.7rem;border-radius:8px;font-weight:600;font-size:15px;text-decoration:none;border:2px solid var(--verde);background:var(--verde);color:#fff;transition:.2s;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--verde-oscuro);border-color:var(--verde-oscuro)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn.ghost:hover{background:rgba(255,255,255,.1)}
.facts{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:1.6rem}
.facts h3{color:#fff;font-size:15px;margin-bottom:1rem;letter-spacing:.5px;text-transform:uppercase}
.facts li{list-style:none;display:flex;gap:.8rem;padding:.65rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:15px;color:rgba(255,255,255,.9)}
.facts li:last-child{border:0}
.facts b{color:#5be0a8;min-width:1.4rem}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero{padding:4rem 0 3rem}}
/* sections */
section{padding:5rem 0}
section.alt{background:var(--bg)}
.eyebrow{color:var(--verde-oscuro);font-size:13px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;margin-bottom:.6rem}
.sec-title{font-size:clamp(24px,3.2vw,34px);margin-bottom:.8rem}
.sec-sub{color:var(--sec);max-width:640px;margin-bottom:2.6rem;font-size:17px}
.grid{display:grid;gap:1.4rem}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.g3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g3,.g2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--borde);border-radius:14px;padding:1.7rem;transition:.2s}
.card:hover{box-shadow:0 8px 28px rgba(13,43,78,.1);transform:translateY(-3px)}
.ico{width:46px;height:46px;border-radius:12px;background:var(--verde-claro);color:var(--verde-oscuro);display:grid;place-items:center;font-size:22px;margin-bottom:1rem}
.card h3{font-size:18px;margin-bottom:.5rem}
.card p{color:var(--sec);font-size:15px}
/* steps */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem;counter-reset:s;position:relative}
.step{background:#fff;border:1px solid var(--borde);border-radius:14px;padding:1.4rem 1.1rem;counter-increment:s;position:relative}
.step::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--azul);color:#fff;font-weight:700;margin-bottom:.8rem}
.step h3{font-size:15px;margin-bottom:.4rem}
.step p{font-size:13.5px;color:var(--sec)}
@media(max-width:980px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.note{margin-top:1.8rem;font-size:14px;color:var(--sec);background:#fff;border-left:4px solid var(--verde);padding:.9rem 1.2rem;border-radius:0 8px 8px 0}
/* about + contact */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
@media(max-width:820px){.split{grid-template-columns:1fr}}
.check li{list-style:none;padding:.5rem 0 .5rem 2rem;position:relative;color:var(--texto)}
.check li::before{content:"✓";position:absolute;left:0;color:var(--verde-oscuro);font-weight:700}
.contact-info p{margin-bottom:.8rem;color:var(--sec)}
.contact-info a{color:var(--azul-medio);font-weight:500}
form{background:#fff;border:1px solid var(--borde);border-radius:14px;padding:1.8rem;display:grid;gap:1rem}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:560px){form .row{grid-template-columns:1fr}}
label{font-size:13px;font-weight:600;color:var(--azul);display:grid;gap:.35rem}
input,select,textarea{font:inherit;padding:.7rem .8rem;border:1px solid var(--borde);border-radius:8px;background:#fff;color:var(--texto);width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--verde);border-color:var(--verde)}
textarea{min-height:110px;resize:vertical}
footer{background:var(--azul);color:rgba(255,255,255,.75);padding:2.2rem 0;font-size:14px}
footer .wrap{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
footer a{color:#5be0a8}
.disclaimer{font-size:12.5px;opacity:.8;margin-top:.6rem;max-width:720px}
.wa{position:fixed;right:18px;bottom:18px;background:#25D366;color:#fff;width:54px;height:54px;border-radius:50%;display:grid;place-items:center;font-size:26px;text-decoration:none;box-shadow:0 4px 14px rgba(0,0,0,.3);z-index:90}
/* inner pages */
.page-hero{background:linear-gradient(135deg,var(--azul),#163D6E);color:#fff;padding:3.5rem 0 3rem}
.page-hero h1{color:#fff;font-size:clamp(26px,4vw,40px);margin-bottom:.8rem}
.page-hero p{color:rgba(255,255,255,.82);max-width:680px;font-size:17px}
.crumbs{font-size:13px;margin-bottom:1rem;color:rgba(255,255,255,.6)}.crumbs a{color:#5be0a8;text-decoration:none}
.timeline{display:grid;gap:1.2rem;margin-top:1rem}
.tl{display:grid;grid-template-columns:48px 1fr;gap:1.2rem}
.tl .n{width:44px;height:44px;border-radius:50%;background:var(--azul);color:#fff;display:grid;place-items:center;font-weight:700}
.tl .b{background:#fff;border:1px solid var(--borde);border-radius:14px;padding:1.4rem 1.6rem}
.tl h3{font-size:18px;margin-bottom:.4rem}.tl p{color:var(--sec);font-size:15px}
.tl ul{margin:.6rem 0 0 1.1rem;color:var(--sec);font-size:14.5px}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--borde);border-radius:12px;overflow:hidden;font-size:15px}
th,td{text-align:left;padding:.85rem 1rem;border-bottom:1px solid var(--borde);vertical-align:top}
th{background:var(--azul);color:#fff;font-weight:600}
td:first-child{font-weight:600;color:var(--azul)}
details{background:#fff;border:1px solid var(--borde);border-radius:12px;padding:1rem 1.3rem;margin-bottom:.8rem}
summary{cursor:pointer;font-weight:600;color:var(--azul)}
details p{margin-top:.7rem;color:var(--sec);font-size:15px}
.cta-band{background:var(--verde-claro);border-radius:16px;padding:2rem;text-align:center;margin-top:3rem}
.cta-band h2{font-size:24px;margin-bottom:.5rem}.cta-band p{color:var(--sec);margin-bottom:1.2rem}
.cta-band .btn{color:#fff}
.more{display:inline-block;margin-top:1.4rem;color:var(--verde-oscuro);font-weight:600;text-decoration:none}
/* resources */
.calc{background:#fff;border:1px solid var(--borde);border-radius:14px;padding:1.8rem;display:grid;gap:1rem}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:560px){.calc .row{grid-template-columns:1fr}}
.res{background:var(--bg);border-radius:10px;padding:1rem 1.2rem;display:grid;gap:.4rem;font-size:15px}
.res div{display:flex;justify-content:space-between;gap:1rem}
.res b{color:var(--azul)}
.res .tot{border-top:1px solid var(--borde);padding-top:.5rem;font-size:17px}
.dl{display:flex;gap:1rem;align-items:center;justify-content:space-between;flex-wrap:wrap}
.form-status{font-size:14px;min-height:1.2em}.form-status.ok{color:var(--verde-oscuro)}.form-status.err{color:#c0392b}