:root {
  --navy: #0F2A44;
  --navy-2: #173a5c;
  --teal: #1E8073;
  --teal-dark: #17675d;
  --teal-soft: #e4f2ef;
  --leaf: #60a820;
  --ink: #16212e;
  --muted: #5b6776;
  --line: #e2e7ec;
  --bg: #f5f7f9;
  --radius: 16px;
  --shadow: 0 1px 2px rgba(15, 42, 68, .05), 0 12px 32px rgba(15, 42, 68, .08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Manrope, "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif; color: var(--ink); background: #fff; line-height: 1.6; font-size: 16px; }
img { max-width: 100%; height: auto; }
a { color: var(--teal); }
h1, h2, h3 { color: var(--navy); line-height: 1.15; margin: 0; letter-spacing: -.01em; }
.wrap { max-width: 1140px; margin: 0 auto; padding-inline: 20px; }
.eyebrow { color: var(--teal); font-weight: 800; font-size: 13px; letter-spacing: .08em; text-transform: uppercase; margin: 0 0 10px; }

/* botones */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 18px; border-radius: 10px; font-weight: 700; text-decoration: none; border: 2px solid transparent; transition: background .15s, transform .15s; white-space: nowrap; }
.btn:hover { transform: translateY(-1px); }
.btn-lg { padding: 14px 22px; font-size: 17px; }
.btn-teal { background: var(--teal); color: #fff; }
.btn-teal:hover { background: var(--teal-dark); }
.btn-ghost { border-color: rgba(255,255,255,.4); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.08); }
.btn-white { background: #fff; color: var(--navy); }
a:focus-visible, .btn:focus-visible { outline: 3px solid var(--leaf); outline-offset: 3px; }

/* encabezado */
.top { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.top-in { display: flex; align-items: center; gap: 20px; min-height: 70px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.word { display: flex; flex-direction: column; line-height: 1; color: var(--navy); }
.word b { font-weight: 800; letter-spacing: .04em; font-size: 17px; }
.word small { color: var(--teal); font-weight: 700; letter-spacing: .2em; font-size: 11px; margin-top: 3px; }
.menu { display: flex; gap: 22px; margin-left: auto; }
.menu a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; }
.menu a:hover { color: var(--teal); }
.top-actions { display: flex; align-items: center; gap: 14px; }
.lang { font-weight: 700; font-size: 14px; color: var(--muted); text-decoration: none; }

/* hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #1f4b73 0%, transparent 60%), var(--navy); color: #fff; padding-block: 72px 80px; }
.hero-in { display: grid; grid-template-columns: 1.25fr .9fr; gap: 48px; align-items: center; }
.hero .eyebrow { color: #8fd3c7; }
.hero h1 { color: #fff; font-size: clamp(36px, 5.2vw, 58px); font-weight: 800; }
.hero h1 span { color: #8fd3c7; }
.lead { font-size: 19px; color: #d6e2ec; margin: 20px 0 30px; max-width: 40em; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-card { background: #fff; border-radius: 22px; padding: 30px 28px; box-shadow: 0 20px 50px rgba(0,0,0,.25); }
.hero-card img { display: block; margin: 0 auto 18px; width: 72%; }
.hero-card ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; color: var(--navy); font-weight: 700; }
.hero-card li { background: var(--teal-soft); border-radius: 10px; padding: 9px 14px; }

/* franja */
.strip { background: var(--bg); border-bottom: 1px solid var(--line); }
.strip-in { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; padding-block: 24px; }
.strip-in div { display: flex; flex-direction: column; }
.strip-in b { color: var(--navy); font-size: 20px; font-weight: 800; }
.strip-in span { color: var(--muted); font-size: 14px; }

/* secciones */
.section { padding-block: 84px; scroll-margin-top: 70px; }
.section.alt { background: var(--bg); }
.section h2 { font-size: clamp(28px, 3.6vw, 40px); font-weight: 800; max-width: 22em; }
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 36px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 24px; }
.card h3 { font-size: 19px; margin: 14px 0 8px; }
.card p { color: var(--muted); margin: 0; }
.ico { width: 48px; height: 48px; border-radius: 12px; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; }
.ico svg { width: 26px; height: 26px; }

.steps { list-style: none; margin: 36px 0 34px; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: s; }
.steps li { position: relative; background: #fff; border-radius: var(--radius); padding: 24px; border: 1px solid var(--line); }
.num { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; }
.steps h3 { font-size: 18px; margin: 14px 0 6px; }
.steps p { color: var(--muted); margin: 0; }

.area { display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: start; }
.lead-sm { color: var(--muted); font-size: 18px; margin: 16px 0 24px; }
.fees { margin: 0; display: grid; gap: 12px; }
.fees div { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; border: 1px solid var(--line); border-left: 5px solid var(--teal); border-radius: 12px; padding: 16px 18px; }
.fees dt { font-weight: 800; color: var(--navy); }
.fees dd { margin: 0; color: var(--ink); }
.pay { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 28px; }
.pay h3 { color: #fff; font-size: 20px; margin-bottom: 12px; }
.pay ul { margin: 0; padding-left: 20px; display: grid; gap: 8px; color: #d6e2ec; }

.band { background: linear-gradient(120deg, var(--teal) 0%, #186b61 100%); color: #fff; }
.band-in { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; padding-block: 52px; }
.band h2 { color: #fff; font-size: clamp(26px, 3vw, 34px); }
.band p { margin: 8px 0 0; color: #e0f2ee; }
.band-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }
.band-link { color: #fff; font-weight: 600; font-size: 14px; }

.contact { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 32px; }
.c-item { text-decoration: none; display: flex; flex-direction: column; gap: 6px; }
.c-item span { color: var(--muted); font-size: 14px; font-weight: 600; }
.c-item b { color: var(--navy); font-size: 17px; overflow-wrap: anywhere; }
a.c-item:hover { border-color: var(--teal); }

.foot { background: var(--navy); color: #c5d3df; padding-block: 28px; font-size: 14px; }
.foot-in { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.foot .brand span { color: #c5d3df; }
.foot .brand img { background: #fff; border-radius: 8px; padding: 3px; }
.foot-links { display: flex; gap: 18px; flex-wrap: wrap; }
.foot-links a { color: #fff; text-decoration: none; font-weight: 600; }

/* botón flotante solo en celular */
.fab { display: none; }

@media (max-width: 980px) {
  .menu { display: none; }
  .top-actions { margin-left: auto; }
  .hero-in, .area { grid-template-columns: 1fr; }
  .hero-card { max-width: 420px; }
  .cards, .steps, .contact { grid-template-columns: repeat(2, 1fr); }
  .strip-in { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .top .btn { display: none; }
  .word b { font-size: 15px; }
  .hero { padding-block: 48px 56px; }
  .lead { font-size: 17px; }
  .cta-row .btn { width: 100%; }
  .cards, .steps, .contact { grid-template-columns: 1fr; }
  .section { padding-block: 60px; }
  .fab { display: block; position: fixed; left: 16px; right: 16px; bottom: 14px; z-index: 30; text-align: center; background: var(--teal); color: #fff; font-weight: 800; text-decoration: none; padding: 15px; border-radius: 12px; box-shadow: 0 10px 30px rgba(15, 42, 68, .35); }
  .foot { padding-bottom: 90px; }
}