:root{
  --blue-900:#173C85;
  --blue-700:#1C74B8;
  --blue-500:hsl(202, 68%, 58%);
  --blue-300:#87C9EC;
  --white:#FFFFFF;
  --text:#16304F;
  --muted:#5C748F;
  --bg:#F6FAFF;
  --card:#FFFFFF;
  --border:#D7E6F4;
  --shadow:0 18px 40px rgba(23,60,133,.10);
  --radius:20px;
  --container:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
button,input,select{font:inherit}
.container{width:min(100% - 32px,var(--container));margin-inline:auto}
.section{
  padding:92px 0;
  margin:0;
  overflow:hidden;
  border-radius:var(--radius);
  border:1px solid var(--border);
  box-shadow:var(--shadow);
  background:#fff;
}
.section-media--benefits{
  grid-column:1/-1; 
  display:flex;
  align-items:center;
}
.section-media--benefits img{
  display:block;
  margin:0 auto;
}
.section-media--simulator{
  align-self:stretch;
}
@media (max-width: 1040px){
  .section-media--benefits,
  .section-media--simulator{
    grid-column:auto;
  }
}
.section--alt{background:linear-gradient(180deg,#fff 0%, #f5f9ff 100%)}
.section--cta{background:linear-gradient(135deg,var(--blue-900),var(--blue-700));color:var(--white)}
.section__head{max-width:720px;margin-bottom:34px}
.section__head h2,.hero h1,.cta h2{line-height:1.08;margin:0}
.section__head p,.lead,.cta p,.info-card p,.benefit p,.step p,.quote p,.trust__stats span,.footer-list, .legal-note{color:#9BABC0(--muted)}
.eyebrow{
  display:inline-block;
  color:var(--blue-700);
  background:rgba(74,168,221,.12);
  padding:8px 12px;
  border-radius:999px;
  font-size:.82rem;
  font-weight:700;  
  letter-spacing:.02em;
  margin-bottom:14px;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:14px 22px;
  border-radius:14px;
  border:1px solid transparent;
  font-weight:700;
  transition:.2s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn--primary{background:linear-gradient(135deg,var(--blue-900),var(--blue-700));color:#fff;box-shadow:var(--shadow)}
.btn--ghost{background:#fff;border-color:var(--border);color:var(--blue-900)}
.btn--small{padding:11px 16px}
.btn--block{width:100%}
.skip-link{
  position:absolute;left:-999px;top:10px;background:#fff;padding:10px 14px;border-radius:10px;z-index:1000
}
.skip-link:focus{left:12px}
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.88);
  backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(215,230,244,.7);
}
#como-funciona{
  background:linear-gradient(135deg,var(--blue-900),var(--blue-700));
  color:var(--white);
  border:none;
  box-shadow:none;
}
#como-funciona .section__head h2,
#como-funciona .step h3,
#como-funciona .step p{
  color:#fff;
}
#confianza{
  background:linear-gradient(135deg,var(--blue-900),var(--blue-700));
}
#como-funciona .eyebrow{
  background:rgba(255,255,255,.12);
  color:#fff;
}
#como-funciona .step{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  box-shadow:none;
}
#como-funciona .step span{
  background:rgba(255,255,255,.14);
  color:#fff;
}
.header__inner{
  min-height:76px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--blue-900)}
.brand__logo{width:42px;height:42px;object-fit:contain}
.brand__text{font-size:1rem;line-height:1.1}
.nav{display:flex;align-items:center;gap:22px}
.nav a{font-weight:600;color:var(--text)}
.nav a:hover{color:var(--blue-700)}
.menu-toggle{
  display:none;
  width:46px;height:46px;border:1px solid var(--border);border-radius:12px;background:#fff;
}
.menu-toggle span{
  display:block;width:20px;height:2px;background:var(--blue-900);margin:4px auto;border-radius:999px
}
.hero{padding-top:44px}
.hero__grid{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:36px;
  align-items:center;
}
.hero h1{font-size:clamp(2.3rem,4.5vw,4.6rem);max-width:12ch}
.lead{font-size:1.08rem;max-width:60ch}
.hero__bullets{
  list-style:none;padding:0;margin:24px 0;
  display:flex;flex-wrap:wrap;gap:12px
}
.hero__bullets li,.chips span{
  background:#fff;border:1px solid var(--border);border-radius:999px;
  padding:10px 14px;font-weight:600;box-shadow:0 8px 22px rgba(23,60,133,.05)
}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:10px}
.hero__trust{
  display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px
}
.hero__trust div,.info-card,.step,.benefit,.quote,.trust__stats div,.simulator__form,.simulator__sidebar .info-card,.quick-form{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.hero__trust div{padding:16px}
.hero__trust strong{display:block;font-size:1.1rem;color:var(--blue-900)}
.hero__trust span{color:var(--muted);font-size:.92rem}
.hero__visual{display:flex;justify-content:center}
.mockup{
  width:min(100%,430px);
  padding:24px;
  border-radius:30px;
  background:linear-gradient(160deg,rgba(23,60,133,.12),rgba(74,168,221,.14));
  border:1px solid rgba(74,168,221,.25);
}
.mockup__card{
  background:#fff;border-radius:22px;padding:22px;box-shadow:0 18px 50px rgba(23,60,133,.12)
}
.mockup__card span,.mockup__card small{color:var(--muted)}
.mockup__card strong{display:block;color:var(--blue-900);font-size:1.85rem;margin:8px 0}
.mockup__card--middle{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.mockup__card--bottom{
  display:flex;align-items:center;gap:12px;margin-top:16px
}
.pulse-dot{
  width:12px;height:12px;border-radius:50%;
  background:var(--blue-500);
  box-shadow:0 0 0 0 rgba(74,168,221,.55);
  animation:pulse 2s infinite
}
.simulator{
  display:grid;
  grid-template-columns:1.15fr .85fr;
  gap:24px;
}
.simulator__form,.simulator__sidebar .info-card{padding:24px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:700;margin-bottom:10px;color:var(--blue-900)}
input[type="text"],input[type="tel"],select{
  width:100%;
  padding:14px 16px;
  border-radius:14px;
  border:1px solid var(--border);
  background:#fff;
  outline:none;
}
input[type="range"]{width:100%}
.field__meta{
  display:flex;justify-content:space-between;align-items:center;
  font-size:.92rem;margin-top:10px;color:var(--muted)
}
.field__meta strong{color:var(--blue-900)}
.simulator__results{
  display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:22px 0
}
.simulator__results div,.trust__stats div{
  padding:18px;
}
.simulator__results span,.trust__stats strong,.quote span{
  display:block;font-size:.92rem;color:var(--muted)
}
.simulator__results strong{display:block;font-size:1.45rem;color:var(--blue-900);margin-top:6px}
.legal-note{font-size:.88rem;margin:14px 2px 0}
.simulator__sidebar{display:contents;gap:16px;align-content:start}
.info-card--accent{
  background:linear-gradient(135deg,rgba(28,116,184,.10),rgba(135,201,236,.12))
}
.info-card h3,.benefit h3,.step h3,.quote p,.trust__stats strong{margin:0 0 8px}
.info-card p{margin:0}

.steps,.benefits,.trust,.footer__grid{
  display:grid;gap:18px
}
.steps{grid-template-columns:repeat(4,1fr)}
.step,.benefit,.quote{padding:22px}
.step span{
  display:inline-flex;align-items:center;justify-content:center;
  width:46px;height:46px;border-radius:14px;
  background:rgba(74,168,221,.12);color:var(--blue-900);font-weight:800
}
.chips{display:flex;flex-wrap:wrap;gap:12px}
.benefits{grid-template-columns:repeat(3,1fr)}
.trust{grid-template-columns:1.25fr .75fr;align-items:start}
.trust__quotes{display:grid;gap:16px}
.trust__stats{display:grid;gap:16px}
.quote p{color:var(--text)}
.quote span{margin-top:8px}
.faq{display:grid;gap:12px;max-width:820px}
details{
  background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);padding:4px 18px
}
summary{
  cursor:pointer;
  list-style:none;
  padding:16px 0;
  font-weight:700;
  color:var(--blue-900)
}
summary::-webkit-details-marker{display:none}
details p{margin:0 0 18px;color:var(--muted)}
.cta{
  display:grid;
  grid-template-columns:1fr .9fr;
  gap:24px;
  align-items:start;
}
.cta__text{padding:8px 0}
.cta h2{font-size:clamp(2rem,4vw,3.4rem);max-width:12ch}
.quick-form{padding:24px}
.section--cta .eyebrow{background:rgba(255,255,255,.12);color:#fff}

.site-footer{
  background:#0f2554;
  color:#d9e8f8;
  padding:44px 0 20px;
}
.footer__grid{
  grid-template-columns:1.1fr 1fr .8fr;
  margin-bottom:22px
}
.brand--footer{color:#fff}
.footer-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.footer-list a{color:#d9e8f8}
.footer__bottom{
  padding-top:18px;border-top:1px solid rgba(255,255,255,.12);
  font-size:.92rem;color:#bfd2ea
}
@keyframes pulse{
  0%{box-shadow:0 0 0 0 rgba(74,168,221,.55)}
  70%{box-shadow:0 0 0 16px rgba(74,168,221,0)}
  100%{box-shadow:0 0 0 0 rgba(74,168,221,0)}
}

@media (max-width: 1040px){
  .hero__grid,.simulator,.steps,.benefits,.trust,.cta,.footer__grid{grid-template-columns:1fr}
  .hero h1{max-width:14ch}
}
@media (max-width: 860px){
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center;flex-direction:column;gap:2px}
  .nav{
    position:absolute;top:76px;left:16px;right:16px;
    display:none;flex-direction:column;align-items:stretch;gap:8px;
    padding:16px;background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow)
  }
  .nav.is-open{display:flex}
  .nav a{padding:12px 10px;border-radius:12px}
  .hero__trust,.simulator__results{grid-template-columns:1fr 1fr}
}
@media (max-width: 560px){
  .section{padding:68px 0}
  .hero__trust,.simulator__results{grid-template-columns:1fr}
  .hero__actions,.nav{width:100%}
  .btn--block{width:100%}
  .mockup__card--middle{grid-template-columns:1fr}
}