:root{
  --ink:#1f3442;--ink2:#3d5463;--muted:#6c7a83;--line:#ecdfd2;--bg:#fdf8f2;--paper:#fff;--cream:#f8efe4;
  --brand:#1f5f63;--brand2:#174a4d;--terra:#c8603f;--amber:#e8a33d;--sand:#f3e2cc;
  --wa:#25d366;--wa2:#0f8a43;--r:18px;--sh:0 14px 34px rgba(80,50,20,.10);
  --head:"Avenir Next","Segoe UI",-apple-system,BlinkMacSystemFont,Roboto,"Helvetica Neue",Arial,sans-serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;overflow-x:hidden}
img{max-width:100%;display:block;height:auto}
svg{display:block}
a{color:var(--brand)}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.ph{background:#fff1c7;color:#6b4e00;border:1px dashed #d1a200;border-radius:6px;padding:0 .3em;font-weight:600;-webkit-box-decoration-break:clone;box-decoration-break:clone;overflow-wrap:anywhere}
.skip{position:absolute;left:-999px;top:0}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
section,form.tool,#simulador{scroll-margin-top:76px}

.demo{background:var(--ink);color:#e9dccd;font-size:13px;text-align:center;padding:6px 12px;padding-top:calc(6px + env(safe-area-inset-top))}
.demo b{color:#fff}

header.top{position:sticky;top:0;z-index:40;background:rgba(253,248,242,.93);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;min-width:0}
.brand svg{flex:none}
.brand>span{font-family:var(--head);font-size:17px;line-height:1.15;min-width:0}
.brand small{display:block;font-weight:600;font-size:11px;color:var(--terra);letter-spacing:.06em;text-transform:uppercase}
.menu{display:flex;gap:20px;align-items:center}
.menu a{color:var(--ink);text-decoration:none;font-size:15px;font-weight:600}
.menu a:hover{color:var(--terra)}
.burger{display:none;background:#fff;border:1px solid var(--line);border-radius:12px;width:46px;height:46px;align-items:center;justify-content:center;flex:none;color:var(--ink)}
@media (max-width:980px){
  .burger{display:flex}
  .menu{position:fixed;inset:66px 0 auto 0;background:var(--bg);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh);transform:translateY(-130%);transition:transform .25s;visibility:hidden}
  .menu.open{transform:none;visibility:visible}
  .menu a{padding:14px 0;border-bottom:1px solid var(--line)}
  .menu .btn{margin-top:14px;justify-content:center}
}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:999px;padding:14px 24px;font-weight:800;font-size:16px;text-decoration:none;cursor:pointer;min-height:52px;line-height:1.2;font-family:inherit;transition:transform .15s}
.btn:active{transform:scale(.97)}
.btn-wa{background:var(--wa2);color:#fff;box-shadow:0 8px 20px rgba(15,138,67,.30)}
.btn-wa:hover{background:#0b7838}
.btn-ghost{background:#fff;color:var(--ink);border:2px solid var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-light{background:#fff;color:var(--wa2)}
.btn svg{width:22px;height:22px;flex:none}
.btn-sm{padding:10px 18px;min-height:46px;font-size:15px}

/* hero */
.hero{position:relative;padding:48px 0 60px;overflow:hidden;background:radial-gradient(700px 380px at 90% 0%,rgba(232,163,61,.18),transparent 70%),radial-gradient(600px 400px at 0% 100%,rgba(31,95,99,.10),transparent 70%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}
.hero-grid>*{min-width:0}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);color:var(--terra);font-weight:800;font-size:14px;border-radius:999px;padding:7px 14px}
h1,h2,h3{font-family:var(--head);line-height:1.15;margin:0 0 .5em;letter-spacing:-.015em;font-weight:800}
h1{font-size:clamp(34px,5.6vw,58px);margin-top:16px}
h1 em{font-style:normal;color:var(--brand)}
h1 .hl{background:linear-gradient(transparent 62%,rgba(232,163,61,.45) 62%)}
.lead{font-size:clamp(17px,2vw,20px);color:var(--ink2);max-width:600px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 18px}
.trust{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--ink2);font-size:15px;padding:0;margin:0;list-style:none;font-weight:600}
.trust li{display:flex;gap:6px;align-items:center}
.trust svg{width:18px;height:18px;color:var(--wa2)}
.hero-photo{position:relative}
.hero-photo img{border-radius:28px;box-shadow:var(--sh);width:100%;aspect-ratio:4/3;object-fit:cover}
.float{position:absolute;background:#fff;border-radius:16px;box-shadow:0 12px 30px rgba(31,52,66,.18);padding:10px 14px;display:flex;gap:10px;align-items:center;font-size:14px;font-weight:700;max-width:250px;line-height:1.3}
.float small{display:block;font-weight:500;color:var(--muted);font-size:12px}
.float .em{font-size:24px;line-height:1}
.f1{left:-18px;bottom:26px}.f2{right:-12px;top:22px}
@media (max-width:980px){.hero{padding:28px 0 44px}.hero-grid{grid-template-columns:1fr;gap:26px}.f1{left:10px;bottom:-18px}.f2{right:10px;top:-14px}}

/* sin miedo strip */
.strip{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:-10px}
.strip div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;display:flex;gap:12px;align-items:flex-start}
.strip .em{font-size:28px;line-height:1}
.strip b{display:block}
.strip p{margin:2px 0 0;color:var(--ink2);font-size:15px}
@media (max-width:820px){.strip{grid-template-columns:1fr}}

section{padding:72px 0}
.sec-head{max-width:740px;margin-bottom:32px}
.kicker{display:inline-block;color:var(--terra);font-weight:800;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:6px}
h2{font-size:clamp(28px,4vw,42px)}
.sec-head p{color:var(--ink2);font-size:17px;margin:0}
.alt{background:var(--cream)}
.dark{background:linear-gradient(160deg,var(--brand2),#1b3a48);color:#e8f1f1}.dark h2{color:#fff}.dark .sec-head p{color:#cfe1e1}.dark .kicker{color:#ffc976}

.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.grid3>*,.grid2>*{min-width:0}
@media (max-width:980px){.grid3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid3,.grid2{grid-template-columns:1fr}section{padding:54px 0}}

.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;box-shadow:0 4px 14px rgba(80,50,20,.05)}
.card .pic{position:relative}
.card .pic img{width:100%;aspect-ratio:4/3;object-fit:cover}
.card .badge-ico{position:absolute;left:16px;bottom:-22px;width:48px;height:48px;border-radius:14px;background:#fff;display:grid;place-items:center;font-size:24px;box-shadow:0 6px 16px rgba(0,0,0,.12)}
.card .body{padding:30px 20px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.card h3{font-size:21px;margin:0}
.card p{margin:0;color:var(--ink2)}
.card .btn{margin-top:auto;align-self:flex-start}

/* news */
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.chip{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 16px;font-size:15px;cursor:pointer;font-weight:700;color:var(--ink2);min-height:44px;font-family:inherit}
.chip[aria-pressed="true"]{background:var(--terra);color:#fff;border-color:var(--terra)}
.post{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;box-shadow:0 4px 14px rgba(80,50,20,.05)}
.post>img{width:100%;aspect-ratio:16/9;object-fit:cover}
.post .body{padding:18px 20px 20px;display:flex;flex-direction:column;gap:10px;flex:1}
.post .tag{align-self:flex-start;font-size:12px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--brand2);background:#e3f0ef;border-radius:999px;padding:4px 10px}
.post .tag.w{color:#8a3a1f;background:#fbe6db}
.post h3{font-size:21px;margin:0}
.post p{margin:0;color:var(--ink2)}
.post ol,.post ul{margin:0;padding-left:20px;color:var(--ink2)}
.post li{margin:4px 0}
.ex{background:#fff7e8;border-left:4px solid var(--amber);border-radius:10px;padding:10px 12px;font-size:15px;color:var(--ink)}
.ex b{color:#8a5a00}
.post details{border-top:1px dashed var(--line);padding-top:8px}
.post summary{cursor:pointer;font-weight:800;color:var(--brand);min-height:36px;display:flex;align-items:center}
.src{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:10px;margin-top:auto;overflow-wrap:anywhere}
.src a{color:var(--muted)}
.post .btn{align-self:flex-start}
table.rates{width:100%;border-collapse:collapse;font-size:14px}
table.rates td{padding:6px 4px;border-bottom:1px solid var(--line);vertical-align:top}
table.rates td:last-child{text-align:right;font-weight:800;white-space:nowrap;color:var(--terra)}

/* tools */
.tools{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
.tools>*{min-width:0}
@media (max-width:980px){.tools{grid-template-columns:1fr}}
.tool{background:var(--paper);color:var(--ink);border-radius:22px;padding:24px;box-shadow:0 20px 40px rgba(0,0,0,.18);min-width:0}
.tool h3{font-size:24px;color:var(--ink)}
.tool .sub{color:var(--muted);margin:0 0 16px}
.q{border:0;margin:0 0 16px;padding:0;min-width:0}
.q legend,.field label{font-weight:800;margin-bottom:8px;display:block;font-size:15px}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opts label{position:relative}
.opts input{position:absolute;opacity:0;inset:0;margin:0}
.opts span{display:inline-flex;align-items:center;min-height:44px;padding:8px 14px;border:1.5px solid var(--line);border-radius:12px;font-size:14px;cursor:pointer;background:#fff;font-weight:600}
.opts input:checked+span{border-color:var(--brand);background:#e3f0ef;color:var(--brand2);font-weight:800}
.opts input:focus-visible+span{outline:3px solid var(--amber)}
.field{margin-bottom:14px}
select,input[type=number],input[type=text]{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);min-height:50px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.row2>*{min-width:0}
@media (max-width:420px){.row2{grid-template-columns:1fr}}
.result{margin-top:14px;border-radius:16px;background:#f2f8f6;border:1px solid #cfe5da;padding:16px;display:none}
.result.show{display:block}
.result h4{margin:0 0 8px;font-size:17px}
.result ul{margin:0 0 12px;padding-left:18px}
.result li{margin:6px 0}
.kv{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed #cfe5da;font-size:15px}
.kv b{white-space:nowrap}
.kv.big{font-size:18px}
.note{font-size:13px;color:var(--muted);margin:10px 0 0}
.walink{font-size:12px;color:var(--muted);overflow-wrap:anywhere;margin-top:8px}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;list-style:none;padding:0;margin:0}
.steps li{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;min-width:0}
.steps img{width:100%;aspect-ratio:4/3;object-fit:cover}
.steps .b{padding:16px 18px 18px}
.steps .b:before{counter-increment:s;content:"Paso " counter(s);display:inline-block;font-weight:800;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--terra);border-radius:999px;padding:3px 10px;margin-bottom:8px}
.steps h3{font-size:19px;margin-bottom:4px}
.steps p{margin:0;color:var(--ink2);font-size:15px}
@media (max-width:980px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* simulador */
.fees{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start;margin-top:40px}
.fees>*{min-width:0}
@media (max-width:980px){.fees{grid-template-columns:1fr}}
.fee-pill{display:inline-flex;align-items:baseline;gap:8px;background:#fff;border:2px solid var(--amber);border-radius:18px;padding:10px 18px;font-weight:800;margin:6px 0 14px}
.fee-pill b{font-size:36px;color:var(--terra);line-height:1}
.sim{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;box-shadow:var(--sh)}
.sim h3{font-size:22px}
.sim input[type=range]{width:100%;accent-color:var(--terra);height:36px;margin:4px 0 6px}
.sim .scale{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.sim details{margin:12px 0;border:1px dashed var(--line);border-radius:14px;padding:4px 14px}
.sim summary{cursor:pointer;font-weight:800;color:var(--brand);min-height:44px;display:flex;align-items:center}
.out3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:16px 0 12px}
.out3>div{border-radius:16px;padding:12px;text-align:center;min-width:0}
.out3>div>span{display:block;font-size:13px;font-weight:700;color:var(--ink2)}
.out3 b{display:block;font-family:var(--head);font-size:clamp(20px,3.2vw,30px);line-height:1.15;overflow-wrap:anywhere}
.o-tot{background:#f1ece5}.o-fee{background:#fbe6db}.o-fee b{color:var(--terra)}.o-you{background:#e2f4ea}.o-you b{color:var(--wa2)}
@media (max-width:480px){.out3{grid-template-columns:1fr}.out3>div{display:flex;justify-content:space-between;align-items:center;text-align:left;gap:10px}}
.bar{height:26px;border-radius:999px;background:#eee;overflow:hidden;display:flex}
.bar i{display:block;height:100%}
.bar .bf{background:var(--terra)}.bar .by{background:var(--wa2)}
.legend{display:flex;justify-content:space-between;font-size:13px;color:var(--ink2);margin:6px 0 14px;gap:8px}

/* team */
.team{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;position:relative}
.member img{width:100%;aspect-ratio:4/5;object-fit:cover}
.member .rep{position:absolute;top:10px;left:10px;right:10px;background:#fff1c7;color:#6b4e00;font-size:11px;font-weight:800;border-radius:8px;padding:4px 8px;border:1px dashed #d1a200;text-align:center}
.member .b{padding:12px 14px}
.why{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.why>*{min-width:0}
@media (max-width:980px){.why{grid-template-columns:1fr}}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;text-align:center}
.stat b{display:block;font-family:var(--head);font-size:24px;color:var(--terra)}
.stat span{font-size:13px;color:var(--muted)}
@media (max-width:420px){.stats{grid-template-columns:1fr}}
.checks{list-style:none;padding:0;margin:0 0 20px}
.checks li{display:flex;gap:10px;margin:10px 0}
.checks .em{flex:none;font-size:20px;line-height:1.4}

.quote{background:#fff;border:1px dashed #d1a200;border-radius:var(--r);padding:22px;position:relative;margin:0}
.quote p{font-size:17px;margin:0 0 10px}
.quote small{color:var(--muted)}
.quote .badge{position:absolute;top:-11px;right:14px;background:#fff1c7;color:#6b4e00;font-size:11px;font-weight:800;border-radius:6px;padding:2px 8px;border:1px dashed #d1a200}

.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:800;padding:16px 30px 16px 0;list-style:none;position:relative;font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--terra)}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:0 0 16px;color:var(--ink2)}

.band{background:linear-gradient(135deg,var(--terra),#a8492c);color:#fff;border-radius:26px;padding:34px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px;font-size:clamp(24px,3.4vw,34px)}
.band p{margin:0;color:#ffe9dc}

.contact{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.contact>*{min-width:0}
@media (max-width:980px){.contact{grid-template-columns:1fr}}
.contact dl{margin:0}.contact dt{font-weight:800;margin-top:12px}.contact dd{margin:2px 0 0;color:var(--ink2)}

footer{background:var(--ink);color:#d9cbbd;padding:40px 0 calc(110px + env(safe-area-inset-bottom));font-size:14px}
footer a{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:20px;padding-top:16px;font-size:13px}

.fab{position:fixed;right:calc(16px + env(safe-area-inset-right));bottom:calc(16px + env(safe-area-inset-bottom));z-index:50;display:flex;align-items:center;gap:10px;background:var(--wa);color:#05391b;font-weight:800;font-size:16px;border-radius:999px;padding:12px 20px 12px 14px;text-decoration:none;box-shadow:0 12px 28px rgba(0,0,0,.28);min-height:60px}
.fab svg{width:32px;height:32px}
.fab:before{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:0 0 0 0 rgba(37,211,102,.6);animation:pulse 2.4s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,.55)}70%{box-shadow:0 0 0 16px rgba(37,211,102,0)}100%{box-shadow:0 0 0 0 rgba(37,211,102,0)}}
@media (max-width:520px){.fab .t{display:none}.fab{padding:14px}}

.reveal{opacity:0;transform:translateY(16px);transition:opacity .5s,transform .5s}
.reveal.in{opacity:1;transform:none}

/* INTRO calculadora */
#intro{display:none}
html.intro #intro{display:flex}
html.intro body{overflow:hidden}
#intro{position:fixed;inset:0;height:100vh;height:100dvh;z-index:100;align-items:center;justify-content:center;background:radial-gradient(circle at 50% 40%,#244c55,#13262f);padding:env(safe-area-inset-top) env(safe-area-inset-right) env(safe-area-inset-bottom) env(safe-area-inset-left);transition:opacity .55s ease;will-change:opacity}
#intro.out{opacity:0;pointer-events:none}
.calc{width:min(300px,78vw);background:linear-gradient(160deg,#fffaf3,#f1e3d1);border-radius:30px;padding:20px;box-shadow:0 30px 70px rgba(0,0,0,.45),inset 0 -6px 0 rgba(0,0,0,.06);transform:translateY(30px) scale(.9);opacity:0;animation:calcIn .45s cubic-bezier(.2,.8,.2,1) forwards;will-change:transform,opacity}
#intro.out .calc{transform:scale(1.35);opacity:0;transition:transform .55s ease,opacity .45s ease;animation:none}
@keyframes calcIn{to{transform:none;opacity:1}}
.calc .scr{background:#1f3442;color:#bff5d1;border-radius:16px;padding:12px 14px;text-align:right;font-family:"SF Mono",ui-monospace,Menlo,Consolas,monospace;margin-bottom:16px;min-height:78px;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden}
.calc .scr small{font-size:12px;color:#ffc976;letter-spacing:.08em;text-transform:uppercase;opacity:0;transition:opacity .2s}
.calc .scr small.on{opacity:1}
.calc .scr b{font-size:clamp(24px,8vw,32px);font-weight:700;white-space:nowrap}
.keys{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.keys span{aspect-ratio:1;border-radius:14px;background:#fff;display:grid;place-items:center;font-weight:800;font-size:18px;color:var(--ink);box-shadow:0 4px 0 #dcc9b3;transition:transform .08s,box-shadow .08s;will-change:transform}
.keys span.op{background:var(--sand);color:var(--terra)}
.keys span.eq{background:var(--terra);color:#fff;box-shadow:0 4px 0 #9a4529}
.keys span.p{transform:translateY(4px);box-shadow:0 0 0 #dcc9b3}
.intro-brand{position:absolute;left:0;right:0;bottom:calc(28px + env(safe-area-inset-bottom));text-align:center;color:#e8dccd;font-size:14px;font-weight:700}
.skip-intro{position:absolute;top:calc(14px + env(safe-area-inset-top));right:calc(14px + env(safe-area-inset-right));background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:10px 18px;font:700 15px var(--sans);min-height:44px;cursor:pointer}

@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}.reveal{opacity:1;transform:none}#intro{display:none!important}}