:root{
  --navy:#0f2341; --navy-2:#173156; --navy-3:#1f3d69;
  --gold:#c9a24b; --gold-2:#b38b34; --gold-soft:#f5ecd7;
  --ink:#1c2333; --muted:#5b6578; --line:#e3e6ec; --bg:#ffffff; --soft:#f6f7fa;
  --wa:#25d366;
  --radius:14px; --shadow:0 10px 30px rgba(15,35,65,.10);
  --serif: Georgia, "Times New Roman", "DejaVu Serif", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);line-height:1.2;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,6vw,3.2rem)}
h2{font-size:clamp(1.6rem,4.5vw,2.4rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.center{text-align:center;margin-top:36px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:100}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--gold-2);margin-bottom:.8em}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:999px;padding:12px 22px;font-weight:700;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s;border:2px solid transparent;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn-lg{padding:15px 28px;font-size:1.05rem}
.btn-sm{padding:8px 18px;font-size:.92rem}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 18px rgba(201,162,75,.35)}
.btn-gold:hover{background:#d6b15c}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{border-color:#fff}
.ico{width:22px;height:22px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(15,35,65,.97);backdrop-filter:saturate(1.4) blur(6px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand-mark{width:44px;height:44px;flex:none;display:block}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-family:var(--serif);font-size:.98rem;font-weight:700}
.brand-text small{color:var(--gold);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase}
.menu{display:none}
.menu-toggle{background:none;border:0;padding:10px;display:flex;flex-direction:column;gap:5px;cursor:pointer}
.menu-toggle span{width:24px;height:2px;background:#fff;border-radius:2px}
.menu.open{display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:var(--navy);padding:12px 20px 20px;gap:4px;border-bottom:1px solid rgba(255,255,255,.1)}
.menu a{color:#e8ecf3;text-decoration:none;padding:10px 4px;font-weight:600}
.menu a.btn{color:var(--navy);margin-top:8px;padding:10px 18px}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(201,162,75,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy-3) 100%);color:#fff;padding:56px 0 64px;overflow:hidden}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold)}
.hero-grid{display:grid;gap:40px;align-items:center}
.lead{font-size:1.12rem;color:#d4dbe7;max-width:560px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 24px}
.hero-cta .btn{flex:1 1 220px}
.hero-points{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 22px;color:#cfd7e4;font-size:.95rem}
.hero-points li{position:relative;padding-left:22px}
.hero-points li::before{content:"";position:absolute;left:0;top:.45em;width:12px;height:7px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.hero-logo{display:flex;justify-content:center;width:100%}
.logo-frame{position:relative;width:100%;max-width:440px;padding:44px 34px 38px;border-radius:24px;background:linear-gradient(180deg,rgba(255,255,255,.06),rgba(255,255,255,.015));border:1px solid rgba(201,162,75,.35);box-shadow:0 30px 60px rgba(0,0,0,.25),inset 0 1px 0 rgba(255,255,255,.06)}
.logo-frame::before{content:"";position:absolute;inset:10px;border:1px solid rgba(201,162,75,.18);border-radius:18px;pointer-events:none}
.logo-frame img{width:100%;height:auto;display:block}

/* Sections */
.section{padding:72px 0}
.section-head{text-align:center;max-width:680px;margin:0 auto 40px}
.section-head p:last-child{color:var(--muted)}
.section-dark{background:var(--navy);color:#dfe5ef}
.section-dark h2,.section-dark h3{color:#fff}
.section-dark .section-head p:last-child{color:#b9c3d4}
.section-soft{background:var(--soft)}

/* Cards */
.cards{display:grid;gap:16px;grid-template-columns:1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:box-shadow .2s,transform .2s,border-color .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:rgba(201,162,75,.5)}
.card p{color:var(--muted);margin:0;font-size:.96rem}
.card-ico{width:48px;height:48px;border-radius:12px;background:var(--gold-soft);color:var(--gold-2);display:grid;place-items:center;margin-bottom:14px}
.card-ico svg{width:26px;height:26px}
.card-alt{background:var(--navy);border-color:var(--navy)}
.card-alt h3{color:#fff}.card-alt p{color:#c4cddb}
.card-alt .card-ico{background:rgba(201,162,75,.18);color:var(--gold)}

/* Steps */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:18px;counter-reset:s}
.step{background:var(--navy-2);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius);padding:28px 24px;position:relative}
.step p{margin:0;color:#b9c3d4}
.step-num{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:var(--serif);font-weight:700;font-size:1.25rem;margin-bottom:14px}

/* FAQ */
.faq{display:grid;gap:12px}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:0 20px}
.faq details[open]{border-color:rgba(201,162,75,.6);box-shadow:0 6px 18px rgba(15,35,65,.06)}
.faq summary{cursor:pointer;list-style:none;padding:18px 32px 18px 0;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--gold-2);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:18px;margin:0}
.disclaimer{margin-top:24px;font-size:.85rem;color:var(--muted);text-align:center}

/* Contact */
.contact{display:grid;gap:28px;align-items:center}
.contact > div:first-child p{color:var(--muted)}
.contact-box{display:grid;gap:12px}
.contact-item{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;text-decoration:none;transition:box-shadow .2s,border-color .2s;min-width:0}
a.contact-item:hover{box-shadow:var(--shadow);border-color:rgba(201,162,75,.6)}
.contact-item small{display:block;color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em}
.contact-item strong{color:var(--navy);word-break:break-word}
.ci-ico{flex:none;width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--gold-soft);color:var(--gold-2)}
.ci-ico svg{width:24px;height:24px}
.ci-ico.wa{background:var(--wa);color:#fff}

/* Footer */
.site-footer{background:#0a1830;color:#aeb8c9;padding:36px 0 90px;font-size:.92rem}
.footer-grid{display:grid;gap:16px}
.footer-grid strong{display:block;color:#fff;font-family:var(--serif);font-size:1.05rem}
.footer-links{display:flex;flex-direction:column;gap:6px}
.footer-links a{color:var(--gold);text-decoration:none}
.copy{border-top:1px solid rgba(255,255,255,.08);margin-top:24px;padding-top:18px;font-size:.82rem}

/* Floating WhatsApp */
.wa-float{position:fixed;right:18px;bottom:18px;width:60px;height:60px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.25);z-index:60;transition:transform .2s}
.wa-float:hover{transform:scale(1.07)}
.wa-float svg{width:32px;height:32px}

/* Tablet+ */
@media (min-width:640px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(3,1fr)}
  .hero-cta .btn{flex:0 0 auto}
}
@media (min-width:960px){
  .menu-toggle{display:none}
  .menu{display:flex;align-items:center;gap:22px}
  .menu a{padding:0}
  .menu a:hover{color:var(--gold)}
  .menu a.btn{margin:0;padding:8px 18px}
  .hero{padding:90px 0 100px}
  .hero-grid{grid-template-columns:1.25fr .75fr;gap:60px}
  .cards{grid-template-columns:repeat(3,1fr)}
  .section{padding:96px 0}
  .contact{grid-template-columns:1fr 1fr;gap:60px}
  .footer-grid{grid-template-columns:1fr auto;align-items:center}
  .footer-links{align-items:flex-end}
  .site-footer{padding-bottom:36px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ===== Blog y calculadora ===== */
.menu a.active{color:var(--gold)}
@media (min-width:960px) and (max-width:1159px){
  .menu{gap:13px}
  .menu a{font-size:.9rem}
  .menu a.btn{padding:7px 14px}
}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-outline:hover{background:var(--soft)}
.home-blog-cta{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.page-hero{background:radial-gradient(900px 400px at 90% -20%,rgba(201,162,75,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,var(--navy-3) 100%);color:#fff;padding:44px 0 48px}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,5vw,2.7rem)}
.page-hero .eyebrow{color:var(--gold)}
.page-hero .lead{max-width:none;margin:0}
.breadcrumb{font-size:.85rem;color:#b9c3d4;margin-bottom:14px}
.breadcrumb a{color:#d4dbe7;text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}
.post-meta{color:#c4cddb;font-size:.92rem;margin:0}
.post-meta strong{color:#fff}
.post-card{display:flex;flex-direction:column;gap:10px}
.post-card h2,.post-card h3{font-size:1.2rem;margin:0}
.post-card h2 a,.post-card h3 a{text-decoration:none}
.post-card h2 a:hover,.post-card h3 a:hover{color:var(--gold-2)}
.post-card p{flex:1}
.post-date{font-size:.8rem!important;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-2)!important;flex:0!important}
.read-more{color:var(--navy);font-weight:700;text-decoration:none;font-size:.95rem}
.read-more:hover{color:var(--gold-2)}
.article{padding-top:48px}
.article-body{font-size:1.05rem}
.article-body h2{font-size:clamp(1.4rem,3.6vw,1.9rem);margin-top:1.6em}
.article-body h3{font-size:1.15rem;margin-top:1.3em}
.article-body p,.article-body li{color:#2a3245}
.article-body ul,.article-body ol{padding-left:1.3em;margin:0 0 1em}
.article-body li{margin-bottom:.4em}
.article-body a{color:var(--navy-3);text-decoration-color:var(--gold);text-underline-offset:3px}
.article-body a.btn{text-decoration:none;color:var(--navy)}
.article-body a.btn-navy{color:#fff}
.article-body table{width:100%;border-collapse:collapse;margin:0 0 1.2em;font-size:.95rem}
.article-body th,.article-body td{border:1px solid var(--line);padding:8px 10px;text-align:left}
.article-body thead th{background:var(--soft);color:var(--navy)}
.table-wrap{overflow-x:auto}
.cta-box{background:var(--navy);color:#dfe5ef;border-radius:var(--radius);padding:26px 24px;margin:32px 0;border-left:5px solid var(--gold)}
.cta-box p{color:#d4dbe7!important}
.cta-box .cta-title{font-family:var(--serif);font-size:1.3rem;color:#fff!important;font-weight:700;margin-bottom:.4em}
.cta-box .btn{margin-top:6px}
.calc-promo{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;background:var(--gold-soft);border:1px solid rgba(201,162,75,.45);border-radius:var(--radius);padding:20px 22px;margin:32px 0}
.calc-promo p{margin:0;flex:1 1 280px;color:var(--ink)!important}
.calc-promo.wide{margin-top:40px}
.legal-note{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-size:.9rem;color:var(--muted)!important;margin-top:28px}
.related{list-style:none;padding:0!important;display:grid;gap:8px}
.related li{margin:0}
.related a{display:block;padding:12px 16px;border:1px solid var(--line);border-radius:10px;text-decoration:none;font-weight:600;color:var(--navy)}
.related a:hover{border-color:var(--gold)}
.related-title{font-size:1.4rem!important}
.blog-cards{margin-bottom:8px}

/* Calculadora */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden;margin-bottom:48px}
.calc-tabs{display:flex;background:var(--soft);border-bottom:1px solid var(--line);overflow-x:auto}
.calc-tabs button{flex:1 1 0;min-width:0;background:none;border:0;border-bottom:3px solid transparent;padding:14px 10px;font:inherit;font-weight:700;color:var(--muted);cursor:pointer;font-size:.95rem;line-height:1.25}
.calc-tabs button[aria-selected="true"]{color:var(--navy);border-bottom-color:var(--gold);background:#fff}
.calc-tabs button:focus-visible{outline:2px solid var(--gold);outline-offset:-2px}
.calc-panel{padding:24px 20px 8px}
.calc-intro{color:var(--muted);font-size:.95rem}
.calc-grid{display:grid;gap:14px;grid-template-columns:1fr}
.calc-grid label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:.92rem;color:var(--navy)}
.calc-grid input{font:inherit;font-weight:400;padding:11px 12px;border:1px solid #cdd3dd;border-radius:10px;width:100%;background:#fff;color:var(--ink);min-height:46px}
.calc-grid input:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.check{display:flex;gap:10px;align-items:flex-start;margin:14px 0 0;font-size:.94rem;color:var(--ink);cursor:pointer}
.check input{width:20px;height:20px;margin:1px 0 0;accent-color:var(--navy);flex:none}
.calc-out{margin-top:20px}
.calc-table{width:100%;border-collapse:collapse;font-size:.95rem;margin-bottom:12px}
.calc-table th,.calc-table td{padding:10px 4px;border-bottom:1px solid var(--line);text-align:left;font-weight:400;color:var(--ink)}
.calc-table td{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.calc-table tr.total th,.calc-table tr.total td{font-weight:800;color:var(--navy);font-size:1.12rem;border-bottom:0;background:var(--gold-soft);padding:14px 10px}
.calc-note{font-size:.85rem;color:var(--muted);margin:10px 0 0}
.calc-warn{font-size:.9rem;background:#fff6e5;border:1px solid #f0d199;border-radius:10px;padding:10px 12px;color:#6b4a00;margin:10px 0 0}
.calc-empty{color:var(--muted);font-style:italic;margin:0}
.calc-cta{padding:20px;border-top:1px solid var(--line);background:var(--soft);text-align:center}
.calc-cta .btn{width:100%;max-width:420px}
.calc-cta p{font-size:.85rem;color:var(--muted);margin:10px 0 0}
.calc-explain{padding-left:1.2em}
.calc-explain li{margin-bottom:.6em;color:#2a3245}
.calc-explain a{color:var(--navy-3);text-decoration-color:var(--gold)}
@media (min-width:640px){
  .calc-grid{grid-template-columns:1fr 1fr}
  .calc-panel{padding:28px 28px 8px}
}
@media (max-width:639px){
  .calc-tabs button{font-size:.85rem;padding:12px 6px}
}