:root{--ink:#0B1F33;--ink2:#071523;--accent:#F28C28;--accent-soft:#FDF1E6;--brown:#8A4A0E;--line:#DCE2E9;--muted:#3E4C5C;--muted2:#4A5868;--bg2:#F5F6F8;--field:#B8C2CE}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:'Instrument Sans',system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.5}
h1,h2,h3,h4,.display{font-family:'Bricolage Grotesque',sans-serif;font-weight:800;margin:0;letter-spacing:-.01em;line-height:1.1}
p{margin:0}
a{color:var(--ink)}a:hover{color:#1F4E7A}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
img{max-width:100%}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:12px 22px;border-radius:6px;font-weight:600;text-decoration:none;border:0;font:inherit;font-weight:600;cursor:pointer}
.btn-accent{background:var(--accent);color:var(--ink)}.btn-accent:hover{color:var(--ink);filter:brightness(1.05)}
.btn-ink{background:var(--ink);color:#fff}.btn-ink:hover{color:#fff;background:#163657}
.btn-ghost{border:1.5px solid #5A7290;color:#fff}.btn-ghost:hover{color:#fff;background:#13304d}
.btn-outline{border:1.5px solid var(--ink);color:var(--ink);background:transparent}
.btn:disabled{background:#8E9AA8;cursor:not-allowed}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 16px;padding-top:8px;padding-bottom:8px}
.logo img{height:72px;width:auto;display:block}
.header-right{display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:6px 22px;font-size:15px}
.nav a.link{font-weight:600;text-decoration:none}
.lang{display:flex;border:1.5px solid var(--ink);border-radius:6px;overflow:hidden}
.lang button{font:inherit;font-weight:600;font-size:14px;padding:10px 14px;min-height:44px;border:0;cursor:pointer;background:#fff;color:var(--ink)}
.lang button[aria-pressed="true"]{background:var(--ink);color:#fff}
.header-note{font-weight:600;color:var(--muted);font-size:15px}
@media (max-width:760px){.nav a.link{display:none}.logo img{height:56px}}
/* hero */
.hero{background:var(--ink);color:#fff;padding:56px 0 88px}
.hero .wrap{display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start}
.hero-copy{flex:1 1 480px;min-width:0;display:flex;flex-direction:column;gap:24px;padding-top:24px}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:.12em;text-transform:uppercase}
.hero .eyebrow{color:var(--accent)}
.hero h1{font-size:clamp(2.5rem,5vw,4rem);line-height:1.02;letter-spacing:-.02em}
.hero .sub{font-size:19px;line-height:1.55;color:#C9D4E0;max-width:34rem}
.actions{display:flex;flex-wrap:wrap;gap:12px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin-top:16px;border-top:1px solid #23405F;padding-top:24px}
.stats .v{font-family:'Bricolage Grotesque',sans-serif;font-size:28px;font-weight:800}
.stats .l{font-size:14px;color:#AEBCCC;margin-top:4px}
.quick{flex:1 1 360px;min-width:0;background:#fff;color:var(--ink);border-radius:12px;padding:32px;display:flex;flex-direction:column;gap:16px;box-shadow:0 24px 48px rgba(0,0,0,.25)}
.quick h2{font-size:26px}
/* fields */
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600}
.field input,.field select{font:inherit;font-weight:400;padding:12px;border:1px solid var(--field);border-radius:6px;min-height:46px;background:#fff;color:var(--ink);width:100%}
.row{display:flex;flex-wrap:wrap;gap:12px}.row>.field{flex:1 1 180px}
.fine{font-size:12px;color:#5A6878}
/* sections */
.section{padding:88px 0}
.section.alt{background:var(--bg2)}
.section-head{display:flex;flex-direction:column;gap:12px;max-width:40rem;margin-bottom:40px}
.section-head .eyebrow{color:var(--brown)}
.h2{font-size:clamp(2rem,3.5vw,2.75rem)}
.group{display:flex;flex-direction:column;gap:20px;margin-bottom:48px}
.group-head{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;border-bottom:2px solid var(--ink);padding-bottom:12px}
.group-head h3{font-size:28px}
.pill{font-size:15px;font-weight:600;background:var(--accent-soft);padding:8px 14px;border-radius:999px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px;display:flex;flex-direction:column;gap:14px}
.card .tag{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted2)}
.card h4{font-size:24px}
.card .body{color:var(--muted);font-size:16px}
.card .rate{font-weight:600;color:var(--brown)}
.card ul{margin:0;padding:14px 0 0;list-style:none;display:flex;flex-direction:column;gap:8px;border-top:1px solid #E6EAEF;font-size:15px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px}
.steps .n{font-family:'Bricolage Grotesque',sans-serif;font-size:44px;font-weight:800;color:var(--brown)}
.steps h3{font-size:20px;font-family:inherit;font-weight:600;margin:6px 0}
.steps p{color:var(--muted)}
.duo{display:flex;flex-wrap:wrap;gap:24px}
.duo>div{flex:1 1 420px;min-width:0;border-radius:12px;padding:40px;display:flex;flex-direction:column;gap:16px}
.duo h2{font-size:30px}
.duo .dark{background:var(--ink);color:#fff}.duo .dark p{color:#C9D4E0}
.duo .light{background:var(--accent-soft)}.duo .light p{color:var(--muted)}
.cta-band{background:var(--accent);padding:72px 0}
.cta-band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-band h2{font-size:clamp(1.75rem,3vw,2.5rem);max-width:34rem}
footer{background:var(--ink2);color:#AEBCCC;padding:48px 0;font-size:14px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px}
footer .col{display:flex;flex-direction:column;gap:8px;max-width:32rem}
footer a{color:#fff}
footer .flogo{height:96px;width:auto;align-self:flex-start;background:#fff;padding:8px;border-radius:8px}
/* apply */
.page-bg{background:var(--bg2);min-height:100vh}
.apply{max-width:720px;margin:0 auto;padding:48px 20px 80px;display:flex;flex-direction:column;gap:24px}
.progress{height:8px;background:var(--line);border-radius:4px;overflow:hidden}
.progress>div{height:8px;background:var(--accent);transition:width .3s}
.panel{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;display:flex;flex-direction:column;gap:22px}
.panel h1{font-size:32px}
.choices{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px}
.choice{font:inherit;text-align:left;cursor:pointer;padding:18px;border-radius:10px;border:2px solid var(--line);background:#fff;color:var(--ink);display:flex;flex-direction:column;gap:4px;min-height:44px}
.choice b{font-size:17px}.choice span{font-size:14px;color:var(--muted2)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{font:inherit;font-weight:600;cursor:pointer;padding:12px 18px;min-height:44px;border-radius:8px;border:2px solid var(--line);background:#fff;color:var(--ink)}
.choice[aria-pressed="true"],.chip[aria-pressed="true"]{border-color:var(--accent);background:var(--accent-soft)}
fieldset{border:0;padding:0;margin:0}legend{font-size:14px;font-weight:600;margin-bottom:10px}
.navrow{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;border-top:1px solid #E6EAEF;padding-top:20px}
.hidden{display:none!important}
.err{color:#A3261B;font-weight:600;font-size:14px}
/* dscr */
.dscr{max-width:1200px;margin:0 auto;padding:48px 24px 88px;display:flex;flex-direction:column;gap:40px}
.calc-wrap{display:flex;flex-wrap:wrap;gap:24px;align-items:stretch}
.calc{flex:1 1 420px;min-width:0}
.result{flex:1 1 320px;min-width:0;background:var(--ink);color:#fff;border-radius:12px;padding:28px;display:flex;flex-direction:column;gap:18px}
.result .big{font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:80px;line-height:1}
.result dl{margin:0;display:flex;flex-direction:column;gap:8px;border-top:1px solid #23405F;padding-top:16px;font-size:15px;color:#C9D4E0}
.result dl div{display:flex;justify-content:space-between;gap:12px}.result dd{margin:0;color:#fff;font-weight:600}
.cgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}
.rates table{width:100%;border-collapse:collapse;font-size:16px;min-width:320px}
.rates th,.rates td{text-align:left;padding:16px 12px;border-bottom:1px solid #E6EAEF}
.rates thead th{border-bottom:2px solid var(--ink)}
.rates td.r{font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:22px}
.rates tr.on{background:var(--accent-soft)}
.you{font-size:12px;color:var(--brown);font-weight:600}
.tab{font:inherit;font-weight:600;font-size:16px;cursor:pointer;padding:14px 22px;min-height:48px;border-radius:8px;border:2px solid var(--ink);background:#fff;color:var(--ink)}
.tab[aria-pressed="true"]{background:var(--ink);color:#fff}
.inv-rate{background:#fff;border:1px solid var(--line);border-radius:12px;padding:36px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.inv-rate .num{font-family:'Bricolage Grotesque',sans-serif;font-weight:800;font-size:clamp(3rem,7vw,4.5rem);line-height:1}
.points{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.points div{background:var(--bg2);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:8px}
.points h3{font-size:20px}.points p{color:var(--muted);font-size:15px}

/* boton Entrar (staff): visible tambien en celular */
.nav a.nav-login{border:1px solid var(--line);border-radius:8px;padding:6px 12px}
@media (max-width:760px){.nav a.link.nav-login{display:inline-block}}