:root{--navy:#0f2d63;--navy2:#163a7a;--yellow:#fcc800;--red:#e01e26;--orange:#f26b1d;--ink:#14213d;--muted:#5b6475;--soft:#f5f7fb;--line:#e3e7ef;--wa:#1fa855}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--navy2)}
img{max-width:100%;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding:0 16px}
.narrow{max-width:780px}
.center{text-align:center}
.ico{flex:none}

/* barra de anuncios */
.ticker{background:var(--red);color:#fff;overflow:hidden;white-space:nowrap;font-weight:700;font-size:14px;letter-spacing:.02em;text-transform:uppercase}
.ticker-track{display:inline-block;padding:9px 0;animation:tick 38s linear infinite}
.ticker span{margin:0 34px;position:relative}
.ticker span::after{content:"";position:absolute;right:-37px;top:50%;width:6px;height:6px;margin-top:-3px;border-radius:50%;background:var(--yellow)}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker-track{animation:none}}

/* cabecera */
.header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 0 var(--line)}
.header-in{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;height:88px}
.logo img{display:block;width:76px;height:76px}
.hdr-wa{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-weight:600;font-size:14px}
.hdr-wa .ico{color:var(--wa)}
.header-in .btn{justify-self:end}
.catnav{border-top:1px solid var(--line);background:#fff}
.catnav .wrap{display:flex;justify-content:center;gap:28px;overflow-x:auto;scrollbar-width:none}
.catnav a{padding:11px 0;text-decoration:none;color:var(--ink);font-size:14px;font-weight:500;white-space:nowrap;border-bottom:2px solid transparent}
.catnav a:hover{color:var(--red);border-color:var(--red)}

/* botones */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:12px;font-weight:700;text-decoration:none;font-size:16px;transition:transform .15s,filter .15s}
.btn:hover{transform:translateY(-1px);filter:brightness(.96)}
.btn.sm{padding:9px 18px;font-size:14px;border-radius:10px}
.btn-main{background:var(--orange);color:#fff;box-shadow:0 8px 20px rgba(242,107,29,.28)}
.btn-wa{background:var(--wa);color:#fff}

/* portada */
.hero{background:linear-gradient(135deg,#fff8dc 0%,#fff 45%,#eaf0fb 100%);padding:60px 0}
.hero-in{display:grid;grid-template-columns:1.25fr 1fr;gap:48px;align-items:center}
.eyebrow{color:var(--red);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:13px;margin:0 0 10px}
h1{font-size:46px;line-height:1.12;margin:0 0 18px;font-weight:800;color:var(--navy)}
h1 span{color:var(--orange)}
h2{font-size:30px;margin:0 0 8px;color:var(--navy);font-weight:800}
.lead{font-size:18px;color:var(--muted);margin:0 0 28px}
.cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-card{background:#fff;border-radius:22px;padding:26px;box-shadow:0 18px 50px rgba(15,45,99,.12);text-align:center}
.hero-card img{width:220px;height:220px;margin:0 auto 10px;display:block}
.hero-card ul{list-style:none;margin:0;padding:0;text-align:left;display:grid;gap:10px}
.hero-card li{display:flex;align-items:center;gap:12px;font-weight:600;font-size:15px;padding:10px 14px;background:var(--soft);border-radius:12px}
.hero-card .ico{color:var(--navy2)}

/* secciones */
.section{padding:64px 0}
.section.alt{background:var(--soft)}
.sub{color:var(--muted);margin:0 auto 32px;max-width:620px}

/* categorías */
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cat{position:relative;display:flex;flex-direction:column;gap:4px;border-radius:18px;padding:28px 24px 24px;text-decoration:none;color:#fff;min-height:210px;overflow:hidden;transition:transform .2s,box-shadow .2s}
.cat:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,45,99,.2)}
.cat::after{content:"";position:absolute;right:-40px;bottom:-40px;width:150px;height:150px;border-radius:50%;background:rgba(255,255,255,.12)}
.cat b{font-size:22px;margin-top:10px}
.cat small{opacity:.9;font-size:14px}
.cat-ic{width:64px;height:64px;border-radius:16px;background:rgba(255,255,255,.18);display:grid;place-items:center}
.cat-go{margin-top:auto;font-weight:700;font-size:14px;text-decoration:underline;text-underline-offset:4px}
.c0{background:linear-gradient(135deg,#0f2d63,#2654a8)}
.c1{background:linear-gradient(135deg,#e01e26,#f2532b)}
.c2{background:linear-gradient(135deg,#c0841a,#f0b400)}
.c3{background:linear-gradient(135deg,#163a7a,#3b6fd1)}
.c4{background:linear-gradient(135deg,#d24a12,#f2862b)}
.c5{background:linear-gradient(135deg,#1c2536,#3d4a63)}

/* pasos */
.steps{list-style:none;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--yellow);color:var(--navy);font-weight:800;margin-bottom:10px}
.steps b{display:block;font-size:17px}
.steps p{margin:6px 0 0;color:var(--muted);font-size:15px}

/* preguntas */
details{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px;background:#fff}
summary{font-weight:600;cursor:pointer}
details p{color:var(--muted);margin:10px 0 0}

/* franja de confianza */
.trustbar{background:var(--navy);color:#fff;padding:34px 0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.trust-grid div{display:flex;flex-direction:column;align-items:center;gap:6px}
.trust-grid .ico{color:var(--yellow)}
.trust-grid small{color:#c9d3ea}

/* pie */
.footer{background:#0a1f47;color:#c9d3ea;padding:46px 0 22px;font-size:15px}
.foot-in{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
.foot-logo{background:#fff;border-radius:50%;padding:4px;margin-bottom:8px}
.footer h4{color:#fff;margin:0 0 12px}
.footer a,.footer span{display:block;color:#c9d3ea;text-decoration:none;margin-bottom:7px}
.footer a:hover{color:#fff}
.copy{text-align:center;margin:32px 0 0;font-size:13px;color:#8d99b5}

/* botón flotante */
.float-wa{position:fixed;right:18px;bottom:18px;width:58px;height:58px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px rgba(0,0,0,.22);z-index:30}

/* páginas internas */
.page{padding:48px 0 64px}
.page h1{font-size:34px}
.page h2{font-size:21px;margin-top:30px}
.page p,.page li{color:#3a4356}
.updated{color:var(--muted);font-size:14px}

@media (max-width:900px){
  .hero-in{grid-template-columns:1fr}
  h1{font-size:32px}
  .cats{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:1fr 1fr}
  .foot-in{grid-template-columns:1fr}
  .catnav .wrap{justify-content:flex-start}
  .hdr-wa span{display:none}
  .header-in{height:76px}
  .logo img{width:62px;height:62px}
}
@media (max-width:520px){
  .cats{grid-template-columns:1fr 1fr;gap:12px}
  .cat{min-height:180px;padding:20px 16px}
  .cat b{font-size:18px}
  .steps{grid-template-columns:1fr}
  .hero{padding:40px 0}
  .btn{width:100%}
  .header-in .btn{width:auto}
}