:root{--carbon:#33373D;--carbon-2:#2A2E33;--oro:#E3B341;--oro-hondo:#8C6214;--marfil:#F8F4EC;--texto:#2A2D32;--suave:#555A62;--linea:#E6DECD;--wa:#1F8F4E}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:'Plus Jakarta Sans','Segoe UI',system-ui,sans-serif;color:var(--texto);background:#fff;line-height:1.6;font-size:17px}
img,svg{max-width:100%}
a{color:var(--oro-hondo)}
:focus-visible{outline:3px solid var(--oro);outline-offset:3px;border-radius:6px}
p{text-align:justify;hyphens:auto;-webkit-hyphens:auto}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
/* cabecera */
.top{background:var(--carbon-2);color:#D9D6CF;font-size:14px}
.top .wrap{display:flex;justify-content:flex-end;gap:24px;min-height:36px;align-items:center;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none}
header{position:sticky;top:0;z-index:40;background:var(--carbon);color:#fff;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.marca{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.marca b{display:block;font-size:19px;font-weight:800;line-height:1}
.marca span{display:block;font-size:14px;font-weight:500;line-height:1.3}
.marca em{font-style:normal;font-weight:800;color:var(--oro)}
.menu{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:block;padding:12px 14px;color:#fff;text-decoration:none;font:inherit;font-size:15px;font-weight:500;background:none;border:0;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover,.menu a[aria-current="page"]{color:var(--oro)}
.sub{position:absolute;top:100%;left:0;min-width:270px;background:#fff;border-radius:14px;padding:10px;list-style:none;margin:0;box-shadow:0 12px 30px rgba(0,0,0,.18);display:none}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.abierto .sub{display:block}
.sub a{display:block;padding:10px 14px;border-radius:10px;color:var(--carbon);text-decoration:none;font-weight:600;font-size:15px}
.sub a:hover{background:var(--marfil)}
.hamb{display:none;background:none;border:2px solid rgba(255,255,255,.4);color:#fff;border-radius:10px;padding:8px 12px;font:inherit;font-weight:700;cursor:pointer}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 22px;border-radius:999px;font-weight:700;text-decoration:none;font-size:16px;border:0;cursor:pointer;font-family:inherit}
.btn-oro{background:var(--oro);color:var(--carbon)}.btn-oro:hover{background:#F0C25A}
.btn-linea{border:2px solid rgba(255,255,255,.5);color:#fff}.btn-linea:hover{border-color:#fff}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{background:#18763F}
/* portada */
.hero{background:var(--carbon);color:#fff;padding:80px 0 100px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:56px;align-items:center}
.hero h1{font-size:clamp(38px,5.4vw,64px);line-height:1.04;letter-spacing:-1.5px;margin:0 0 22px;font-weight:800;text-wrap:balance}
.hero p{font-size:20px;color:#E4E1DA;margin:0 0 32px;max-width:36ch}
.acciones{display:flex;gap:14px;flex-wrap:wrap}
.chat{background:var(--marfil);border-radius:28px;padding:26px;display:flex;flex-direction:column;gap:14px;color:var(--texto);border:3px solid var(--oro)}
.chat-top{display:flex;align-items:center;gap:12px;padding-bottom:14px;border-bottom:1px solid var(--linea)}
.chat-top small{display:block;color:var(--suave);font-size:13px}
.msg{max-width:85%;padding:12px 16px;border-radius:18px;font-size:15px;line-height:1.45}
.msg.cli{align-self:flex-end;background:#fff;border:1px solid var(--linea);border-bottom-right-radius:6px}
.msg.est{align-self:flex-start;background:var(--carbon);color:#fff;border-bottom-left-radius:6px}
/* cabecera de páginas internas */
.cab{background:var(--carbon);color:#fff;padding:56px 0 64px}
.migas{font-size:14px;color:#C9C6BF;margin:0 0 16px}
.migas a{color:var(--oro);text-decoration:none}
.cab h1{font-size:clamp(34px,4.6vw,54px);line-height:1.06;letter-spacing:-1px;margin:0 0 16px}
.cab p{font-size:19px;color:#E4E1DA;max-width:62ch;margin:0 0 28px}
/* secciones */
section{padding:84px 0}
.fondo{background:var(--marfil)}
h2{font-size:clamp(30px,3.6vw,42px);line-height:1.12;letter-spacing:-.8px;margin:0 0 14px;font-weight:800;color:var(--carbon);text-wrap:balance}
.intro{font-size:19px;color:var(--suave);max-width:62ch;margin:0 0 44px}
.tarjetas{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.tarjeta{display:flex;flex-direction:column;gap:10px;padding:30px;background:#fff;border:1px solid var(--linea);border-top:6px solid var(--oro);border-radius:0 0 20px 20px;text-decoration:none;color:var(--texto)}
.tarjeta:hover{box-shadow:0 10px 26px rgba(51,55,61,.10)}
.tarjeta h3{margin:0;font-size:24px;color:var(--carbon)}
.tarjeta p{margin:0;color:var(--suave)}
.tarjeta .ver{margin-top:auto;font-weight:700;color:var(--oro-hondo)}
.valores{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px}
.valores h3{margin:0 0 8px;font-size:22px;color:var(--carbon)}
.valores p{margin:0;color:var(--suave)}
.pasos{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px;counter-reset:p}
.pasos li{counter-increment:p}
.pasos li::before{content:counter(p);display:flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:var(--carbon);color:var(--oro);font-size:28px;font-weight:800;margin-bottom:18px}
.pasos h3{margin:0 0 6px;font-size:22px;color:var(--carbon)}
.pasos p{margin:0;color:var(--suave)}
/* páginas de área */
.layout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:48px;align-items:start}
.indice{position:sticky;top:100px;background:var(--marfil);border-radius:18px;padding:22px}
.indice h4{margin:0 0 10px;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;color:var(--oro-hondo)}
.indice ul{list-style:none;margin:0 0 18px;padding:0}
.indice a{display:block;padding:6px 0;color:var(--carbon);text-decoration:none;font-size:15px;font-weight:600}
.indice a:hover{color:var(--oro-hondo)}
.grupo{margin:0 0 40px}
.grupo>h3{font-size:14px;letter-spacing:1.5px;text-transform:uppercase;color:var(--oro-hondo);margin:0 0 16px}
.servicio{padding:26px 28px;border:1px solid var(--linea);border-left:5px solid var(--oro);border-radius:0 16px 16px 0;margin:0 0 16px;background:#fff}
.servicio h4{margin:0 0 6px;font-size:21px;color:var(--carbon)}
.servicio p{margin:0 0 14px;color:var(--suave)}
.servicio .links{display:flex;gap:18px;flex-wrap:wrap;font-weight:700;font-size:15px}
.oficial{background:var(--marfil);border-radius:16px;padding:20px 24px;color:var(--suave);font-size:15px}
.otras{display:flex;flex-wrap:wrap;gap:10px}
.otras a{padding:10px 18px;border-radius:999px;border:2px solid var(--linea);color:var(--carbon);text-decoration:none;font-weight:700;font-size:15px}
.otras a:hover{border-color:var(--oro)}
/* faq */
.faq{max-width:820px}
details{border-bottom:1px solid var(--linea);padding:6px 0}
summary{cursor:pointer;font-weight:700;font-size:19px;padding:16px 0;color:var(--carbon);list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--oro-hondo);font-size:26px;line-height:1}
details[open] summary::after{content:"–"}
details p{margin:0 0 18px;color:var(--suave)}
/* contacto */
.oscuro{background:var(--carbon);color:#fff}.oscuro h2{color:#fff}.oscuro .intro{color:#E4E1DA}
.contacto{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
.datos{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px;font-size:18px}
.datos a{color:var(--oro)}
form{background:#fff;color:var(--texto);border-radius:24px;padding:30px;display:flex;flex-direction:column;gap:16px;border:1px solid var(--linea)}
label{font-weight:700;font-size:15px;display:flex;flex-direction:column;gap:6px}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:2px solid var(--linea);border-radius:12px;background:#fff;color:var(--texto)}
input:focus,select:focus,textarea:focus{border-color:var(--oro);outline:none}
textarea{min-height:110px;resize:vertical}
.error{color:#B42318;font-size:14px;font-weight:500;min-height:1em;margin:0}
.cta{background:var(--oro);padding:56px 0}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta h2{margin:0;font-size:clamp(26px,3vw,36px)}
.cta .btn{background:var(--carbon);color:#fff}
/* pie */
footer{background:var(--carbon-2);color:#C9C6BF;padding:56px 0 calc(32px + env(safe-area-inset-bottom,0px));font-size:15px}
.pie{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
footer h4{color:#fff;margin:0 0 12px;font-size:15px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:6px 0}
footer a{color:#C9C6BF;text-decoration:none}
footer a:hover{color:var(--oro)}
.legal{border-top:1px solid #444950;margin-top:40px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.flotante{position:fixed;right:20px;bottom:calc(20px + env(safe-area-inset-bottom,0px));z-index:50;width:60px;height:60px;border-radius:50%;background:var(--wa);display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.25)}
@media (prefers-reduced-motion:no-preference){
.msg{opacity:0;transform:translateY(8px);animation:entra .45s ease forwards}
.msg:nth-child(2){animation-delay:.4s}.msg:nth-child(3){animation-delay:1.2s}.msg:nth-child(4){animation-delay:2s}
@keyframes entra{to{opacity:1;transform:none}}}
@media (max-width:960px){
.hamb{display:block}
.menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--carbon);flex-direction:column;align-items:stretch;padding:8px 16px 18px}
.menu.abierto{display:flex}
.sub{position:static;display:block;box-shadow:none;background:transparent;padding:0 0 0 12px}
.sub a{color:#E4E1DA}.sub a:hover{background:transparent;color:var(--oro)}
.hero .wrap,.contacto,.layout{grid-template-columns:1fr}
.indice{position:static}
.tarjetas,.valores,.pasos{grid-template-columns:1fr}
.pie{grid-template-columns:1fr 1fr}
section{padding:60px 0}}

.portal-btn{display:block;padding:9px 16px!important;border:2px solid rgba(255,255,255,.45);border-radius:999px;color:#fff;text-decoration:none;font-weight:700;font-size:15px}
.portal-btn:hover{border-color:var(--oro);color:var(--oro)}
.iconos{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.icono{background:#fff;border:1px solid var(--linea);border-radius:22px;padding:28px 24px}
.icono .ic{width:56px;height:56px;border-radius:16px;background:var(--carbon);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.icono h3{margin:0 0 6px;font-size:20px;color:var(--carbon)}
.icono p{margin:0;color:var(--suave);font-size:16px;text-align:left}
.checks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 40px}
.checks li{display:flex;gap:14px;align-items:flex-start;font-size:19px;font-weight:600;color:#fff}
.checks li::before{content:"✓";flex-shrink:0;width:34px;height:34px;border-radius:50%;background:var(--oro);color:var(--carbon);display:flex;align-items:center;justify-content:center;font-weight:800}
.dos{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.panel{background:#fff;border-radius:22px;border:1px solid var(--linea);box-shadow:0 18px 40px rgba(51,55,61,.12);overflow:hidden}
.panel-top{background:var(--carbon);color:#fff;padding:14px 20px;font-weight:700;display:flex;justify-content:space-between;font-size:15px}
.panel-top span{color:var(--oro)}
.fila{display:flex;justify-content:space-between;gap:16px;padding:14px 20px;border-bottom:1px solid var(--linea);font-size:15px}
.fila b{color:var(--carbon)}
.estado{background:#E6F4EC;color:#1F6B3F;font-weight:700;border-radius:999px;padding:2px 12px;font-size:13px}
.linea-t{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px;counter-reset:t}
.linea-t li{counter-increment:t;border-top:4px solid var(--oro);padding-top:18px}
.linea-t li::before{content:"0" counter(t);display:block;font-size:32px;font-weight:800;color:var(--oro-hondo);margin-bottom:6px}
.linea-t h3{margin:0 0 6px;font-size:20px;color:var(--carbon)}
.linea-t p{margin:0;color:var(--suave);font-size:16px;text-align:left}
.faq-cat{margin:0 0 48px}
.faq-cat>h2{font-size:28px;margin:0 0 8px}
.saltos{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 40px}
.saltos a{padding:10px 18px;border-radius:999px;background:var(--marfil);border:2px solid var(--linea);color:var(--carbon);text-decoration:none;font-weight:700;font-size:15px}
.saltos a:hover{border-color:var(--oro)}
@media (max-width:960px){.iconos,.checks,.dos,.linea-t{grid-template-columns:1fr}}
.menu>li>a.menu-cta{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 22px;margin-left:6px;color:var(--carbon);background:var(--oro);border-radius:999px;font-weight:700;line-height:1}
.menu>li>a.menu-cta:hover{background:#F0C25A;color:var(--carbon)}
.menu>li>a.portal-btn{line-height:1.2}
.menu{gap:4px}
@media (max-width:960px){.menu>li>a.menu-cta{margin:10px 0 0;width:100%}}
.icono{display:grid;grid-row:span 3;grid-template-rows:subgrid;row-gap:0;align-content:start}
.icono h3{line-height:1.25;margin:0 0 8px;align-self:start}
.icono p{hyphens:manual;-webkit-hyphens:manual;align-self:start}
.valores p,.pasos p,.tarjeta p,.linea-t p,.icono p{text-align:left;hyphens:manual;-webkit-hyphens:manual}