:root{
    --azul:#0F4AA3;
    --azul-oscuro:#0A2F68;
    --verde:#4FB32D;
    --verde-oscuro:#3E8E24;
    --texto:#1C2430;
    --gris:#f4f7fb;
    --borde:#dbe4ef;
    --blanco:#ffffff;
    --sombra:0 18px 40px rgba(10,47,104,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--texto);background:#fff;line-height:1.6}
a{text-decoration:none;color:var(--azul)}
img{max-width:100%;display:block}
.contenedor{width:min(1180px,92%);margin:0 auto}
.encabezado{background:linear-gradient(135deg,#eef4ff 0%,#ffffff 55%,#eefcf0 100%)}
.barra-superior{display:flex;justify-content:space-between;align-items:center;padding:22px 0}
.marca{display:flex;align-items:center;gap:14px}
.marca img{width:70px;height:auto}
.marca strong{display:block;font-size:1.8rem;color:var(--azul-oscuro)}
.marca span{display:block;color:#5b6777;font-size:.95rem}
.menu-principal{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.menu-principal a{font-weight:600;color:var(--texto)}
.boton{display:inline-flex;align-items:center;justify-content:center;background:var(--verde);color:#fff;padding:14px 24px;border-radius:12px;font-weight:700;border:none;cursor:pointer;box-shadow:var(--sombra)}
.boton:hover{background:var(--verde-oscuro)}
.boton-secundario{background:var(--azul);color:#fff}
.boton-secundario:hover{background:var(--azul-oscuro)}
.hero{padding:34px 0 70px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}
.etiqueta{display:inline-block;background:#eaf6e5;color:var(--verde-oscuro);padding:8px 14px;border-radius:999px;font-size:.9rem;font-weight:700;margin-bottom:18px}
.hero h1{font-size:3rem;line-height:1.1;margin:0 0 18px;color:var(--azul-oscuro)}
.hero p{font-size:1.08rem;color:#425064;margin-bottom:20px}
.acciones{display:flex;gap:14px;flex-wrap:wrap;margin:24px 0}
.lista-hero{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}
.lista-hero li{background:#fff;border:1px solid var(--borde);padding:12px 14px;border-radius:12px;box-shadow:var(--sombra)}
.hero-panel{display:flex;justify-content:center}
.tarjeta-destacada{background:#fff;border:1px solid var(--borde);border-radius:26px;padding:30px;box-shadow:var(--sombra)}
.tarjeta-destacada h2{margin:0 0 10px;color:var(--azul-oscuro)}
.kpis{display:grid;gap:14px;margin-top:24px}
.kpis div{padding:16px;border-radius:18px;background:linear-gradient(135deg,#f2f8ff,#f6fff2);border:1px solid var(--borde)}
.kpis strong{display:block;font-size:1.5rem;color:var(--azul)}
.kpis span{display:block;color:#4a586a}
.seccion{padding:80px 0}
.seccion-azul{background:linear-gradient(135deg,var(--azul-oscuro),var(--azul))}
.seccion-clara{background:var(--gris)}
.titulo-seccion{text-align:center;max-width:780px;margin:0 auto 34px}
.titulo-seccion.izquierda{text-align:left;margin:0 0 20px}
.titulo-seccion span{color:var(--verde);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.82rem}
.titulo-seccion h2{font-size:2.2rem;margin:10px 0 12px;color:var(--azul-oscuro)}
.titulo-seccion p{color:#546172}
.titulo-blanco h2,.titulo-blanco span,.titulo-blanco p{color:#fff}
.grid-servicios,.beneficios-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card-servicio,.beneficio,.faq-item,.formulario-card{background:#fff;border:1px solid var(--borde);border-radius:22px;padding:24px;box-shadow:var(--sombra)}
.card-servicio h3,.beneficio h3{margin-top:0;color:var(--azul-oscuro)}
.pasos{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.paso{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff;border-radius:22px;padding:24px}
.paso strong{display:inline-flex;width:44px;height:44px;border-radius:50%;background:var(--verde);align-items:center;justify-content:center;font-size:1.3rem}
.paso h3{margin:18px 0 10px}
.faq{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.faq-lista{display:grid;gap:16px}
.faq-item strong{display:block;margin-bottom:8px;color:var(--azul-oscuro)}
.contacto-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.datos-contacto{display:grid;gap:12px;background:#f6fbff;border:1px solid var(--borde);border-radius:22px;padding:22px}
.campo,.campo-doble{margin-bottom:16px}
.campo label{display:block;font-weight:700;margin-bottom:7px}
.campo input,.campo textarea{width:100%;padding:13px 14px;border-radius:12px;border:1px solid #c9d6e6;font:inherit}
.campo textarea{resize:vertical}
.campo-doble{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.alerta{padding:14px 16px;border-radius:14px;margin-bottom:16px;font-weight:700}
.alerta-exito{background:#e9f9e3;color:#2f6a1a;border:1px solid #bde4ac}
.alerta-error{background:#fff0f0;color:#9a1f1f;border:1px solid #efb0b0}
.pie{background:#081f45;color:#fff;padding:28px 0}
.pie-grid{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.pie-marca strong,.pie-marca span{color:#fff}
.pie-enlaces{display:flex;gap:18px;flex-wrap:wrap}
.pie-enlaces a{color:#dce7ff}
.whatsapp-flotante{position:fixed;right:18px;bottom:18px;z-index:50;background:#25D366;color:#fff;padding:14px 18px;border-radius:999px;font-weight:700;box-shadow:var(--sombra)}
@media (max-width: 980px){
    .hero-grid,.contacto-grid,.faq,.grid-servicios,.beneficios-grid,.pasos{grid-template-columns:1fr}
    .hero h1{font-size:2.3rem}
    .barra-superior{flex-direction:column;gap:18px}
}
@media (max-width: 640px){
    .menu-principal{justify-content:center}
    .campo-doble{grid-template-columns:1fr}
    .hero{padding-bottom:48px}
    .seccion{padding:64px 0}
}