:root{
  --azul:#0b3d91; --azul-osc:#082d6b; --verde:#0a7d3c; --gris:#f4f6f9;
  --texto:#1a1a1a; --gris-txt:#555; --borde:#e2e6ec; --blanco:#fff;
  --sombra:0 4px 16px rgba(0,0,0,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--texto);line-height:1.6;background:var(--blanco)}
a{color:var(--azul);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
header{background:var(--blanco);border-bottom:1px solid var(--borde);position:sticky;top:0;z-index:100}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{font-weight:800;font-size:1.25rem;color:var(--azul)}
.logo span{color:var(--verde)}
.nav ul{display:flex;gap:22px;list-style:none;flex-wrap:wrap}
.nav ul a{font-size:.95rem;font-weight:500;color:var(--texto)}
.nav ul a:hover{color:var(--azul)}
.hero{background:linear-gradient(135deg,var(--azul) 0%,var(--azul-osc) 100%);color:#fff;padding:56px 0}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.hero h1{font-size:2.1rem;line-height:1.25;margin-bottom:14px}
.hero p{font-size:1.05rem;opacity:.95;margin-bottom:22px}
.hero-simple{background:linear-gradient(135deg,var(--azul) 0%,var(--azul-osc) 100%);color:#fff;padding:44px 0;text-align:center}
.hero-simple h1{font-size:2rem;margin-bottom:10px}
.hero-simple p{opacity:.95;max-width:760px;margin:0 auto}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.badge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);padding:6px 12px;border-radius:20px;font-size:.8rem}
.form-card{background:#fff;color:var(--texto);border-radius:14px;padding:26px;box-shadow:0 10px 30px rgba(0,0,0,.2)}
.form-card h2{font-size:1.2rem;margin-bottom:16px;color:var(--azul)}
.form-card label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}
.form-card input,.form-card select{width:100%;padding:11px 12px;border:1px solid var(--borde);border-radius:8px;font-size:.95rem;margin-bottom:14px;font-family:inherit}
.form-card input:focus,.form-card select:focus{outline:2px solid var(--azul);border-color:var(--azul)}
.btn{display:inline-block;width:100%;background:var(--verde);color:#fff;border:none;padding:13px;border-radius:8px;font-size:1rem;font-weight:700;cursor:pointer;text-align:center}
.btn:hover{background:#086a32;text-decoration:none}
.btn-sec{background:var(--azul)}
.btn-sec:hover{background:var(--azul-osc)}
section{padding:52px 0}
.sec-alt{background:var(--gris)}
h2.sec-title{font-size:1.7rem;text-align:center;margin-bottom:10px;color:var(--azul)}
h2.left{text-align:left}
h3.sub{font-size:1.25rem;color:var(--azul);margin:28px 0 12px}
.sec-sub{text-align:center;color:var(--gris-txt);margin-bottom:36px;max-width:720px;margin-left:auto;margin-right:auto}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--borde);border-radius:12px;padding:24px;box-shadow:var(--sombra);transition:transform .2s}
.card:hover{transform:translateY(-4px)}
.card h3{font-size:1.1rem;margin-bottom:8px;color:var(--azul)}
.card p{font-size:.92rem;color:var(--gris-txt);margin-bottom:12px}
.card .link{font-weight:700;font-size:.9rem}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--sombra);margin:20px 0}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--borde);font-size:.92rem}
th{background:var(--azul);color:#fff;font-weight:600}
tr:hover td{background:#f9fbfd}
.faq-item{background:#fff;border:1px solid var(--borde);border-radius:10px;margin-bottom:12px;overflow:hidden}
.faq-item summary{padding:16px 20px;font-weight:600;cursor:pointer;list-style:none;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:20px;font-size:1.4rem;color:var(--azul)}
.faq-item[open] summary::after{content:"−"}
.faq-item p{padding:0 20px 16px;color:var(--gris-txt);font-size:.93rem}
.steps{counter-reset:paso;list-style:none;padding:0}
.steps li{counter-increment:paso;background:#fff;border:1px solid var(--borde);border-radius:10px;padding:18px 18px 18px 64px;margin-bottom:12px;position:relative;box-shadow:var(--sombra)}
.steps li::before{content:counter(paso);position:absolute;left:16px;top:16px;width:34px;height:34px;background:var(--azul);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700}
.steps li strong{color:var(--azul);display:block;margin-bottom:4px}
.content{max-width:860px;margin:0 auto}
.content p{margin-bottom:16px;color:#333}
.content ul,.content ol{margin:0 0 18px 22px;color:#333}
.content li{margin-bottom:8px}
.note{background:#fff8e1;border-left:4px solid #f5a623;padding:14px 18px;border-radius:8px;margin:20px 0;font-size:.93rem}
.info-box{background:#e8f1ff;border-left:4px solid var(--azul);padding:14px 18px;border-radius:8px;margin:20px 0;font-size:.93rem}
footer{background:#0f1a2e;color:#c9d3e0;padding:44px 0 22px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:28px;margin-bottom:30px}
footer h4{color:#fff;font-size:1rem;margin-bottom:12px}
footer ul{list-style:none}
footer ul li{margin-bottom:8px}
footer a{color:#c9d3e0}
footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid #22304a;padding-top:18px;text-align:center;font-size:.82rem;color:#8b98ab}
.breadcrumb{font-size:.85rem;color:var(--gris-txt);padding:14px 0}
.breadcrumb a{color:var(--gris-txt)}
.breadcrumb span{margin:0 6px}
.intro-text{max-width:900px;margin:0 auto;text-align:center;color:var(--gris-txt);font-size:.98rem}
.cta-box{background:linear-gradient(135deg,var(--azul),var(--azul-osc));color:#fff;padding:36px;border-radius:14px;text-align:center;margin:30px 0}
.cta-box h3{font-size:1.4rem;margin-bottom:10px}
.cta-box p{opacity:.95;margin-bottom:18px}
.cta-box .btn{max-width:320px;margin:0 auto;display:inline-block;width:auto;padding:13px 28px}
@media(max-width:820px){
  .hero-grid{grid-template-columns:1fr}
  .hero h1,.hero-simple h1{font-size:1.6rem}
  .nav ul{gap:14px}
  .nav ul a{font-size:.85rem}
}