:root{--navy:#0d2340;--navy-2:#14365e;--ink:#172033;--muted:#5b6678;--gold:#c89b3c;--gold-2:#e6c675;--cream:#f7f4ec;--light:#f5f7fa;--white:#fff;--line:#dfe5ed;--success:#0f766e;--shadow:0 18px 50px rgba(13,35,64,.12);--radius:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.62;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit}.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px 14px;z-index:1000}.skip-link:focus{left:8px}.topbar{background:var(--navy);color:#fff;font-size:.84rem}.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:7px 0}.topbar a{text-decoration:none}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(223,229,237,.9)}.nav-wrap{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;display:flex;align-items:center;gap:11px;min-width:max-content}.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(145deg,var(--navy),var(--navy-2));color:#fff;display:grid;place-items:center;font-weight:850;letter-spacing:.03em;box-shadow:0 8px 20px rgba(13,35,64,.2);border:1px solid rgba(230,198,117,.5)}.brand-copy strong{display:block;color:var(--navy);font-size:.98rem;line-height:1.12}.brand-copy span{font-size:.72rem;color:var(--muted);letter-spacing:.06em;text-transform:uppercase}.nav-links{display:flex;align-items:center;gap:24px}.nav-links a{text-decoration:none;font-size:.94rem;font-weight:650;color:#334155}.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--navy)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:999px;text-decoration:none;border:1px solid transparent;font-weight:760;transition:.2s ease;cursor:pointer;font:inherit}.btn-primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(13,35,64,.16)}.btn-primary:hover{transform:translateY(-2px);background:var(--navy-2)}.btn-gold{background:var(--gold);color:#172033}.btn-gold:hover{background:var(--gold-2);transform:translateY(-2px)}.btn-outline{border-color:#cbd5e1;background:#fff;color:var(--navy)}.btn-outline:hover{border-color:var(--navy);transform:translateY(-2px)}.btn-link{min-height:auto;padding:0;color:var(--navy);border-radius:0}.menu-toggle{display:none;border:0;background:transparent;padding:8px;font-size:1.5rem;color:var(--navy)}
.hero{background:radial-gradient(circle at 10% 10%,rgba(230,198,117,.20),transparent 30%),linear-gradient(135deg,#f7f4ec 0%,#fff 55%,#f4f7fb 100%);padding:72px 0 58px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:56px}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--navy);font-weight:800;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:16px}.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}h1,h2,h3{line-height:1.12;color:var(--navy);margin:0 0 16px}h1{font-size:clamp(2.55rem,6vw,4.65rem);letter-spacing:-.045em}h2{font-size:clamp(2rem,4vw,3.1rem);letter-spacing:-.035em}h3{font-size:1.2rem}.lead{font-size:clamp(1.06rem,2vw,1.28rem);color:var(--muted);max-width:670px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.hero-proof{display:flex;flex-wrap:wrap;gap:18px;margin-top:30px;color:#3d4b5e;font-size:.92rem}.hero-proof span{display:flex;align-items:center;gap:7px}.check{width:21px;height:21px;border-radius:50%;background:#e7f6f3;color:var(--success);display:inline-grid;place-items:center;font-weight:900;font-size:.8rem}.hero-media{position:relative}.hero-media:before{content:"";position:absolute;inset:8% -8% -10% 18%;background:var(--navy);border-radius:36px;transform:rotate(3deg);opacity:.08}.hero-media img{position:relative;border-radius:32px;box-shadow:var(--shadow);aspect-ratio:1.58/1;object-fit:cover}.mini-card{position:absolute;left:-28px;bottom:24px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 18px;box-shadow:var(--shadow);max-width:245px}.mini-card strong{display:block;color:var(--navy);font-size:1rem}.mini-card span{color:var(--muted);font-size:.84rem}
.trustbar{border-block:1px solid var(--line);background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-item{padding:22px 20px;display:flex;gap:12px;align-items:center;border-right:1px solid var(--line)}.trust-item:last-child{border-right:0}.trust-icon{width:38px;height:38px;border-radius:12px;background:var(--cream);display:grid;place-items:center;color:var(--navy);font-weight:900}.trust-item strong{display:block;color:var(--navy);font-size:.92rem}.trust-item span{display:block;color:var(--muted);font-size:.78rem}
.section{padding:88px 0}.section-soft{background:var(--light)}.section-cream{background:var(--cream)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:38px}.section-head p{max-width:580px;color:var(--muted);margin:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.service-card{border:1px solid var(--line);border-radius:var(--radius);padding:26px;background:#fff;display:flex;flex-direction:column;min-height:265px;transition:.2s ease}.service-card[hidden]{display:none}.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#cbd5e1}.service-code{font-size:.78rem;font-weight:850;letter-spacing:.09em;color:var(--gold);text-transform:uppercase}.service-card p{color:var(--muted);font-size:.94rem;flex:1}.service-card a{text-decoration:none;font-weight:800;color:var(--navy)}.service-card a:after{content:" →"}.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.feature{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}.feature-num{color:var(--gold);font-weight:900;font-size:.82rem;letter-spacing:.08em}.feature p{color:var(--muted);font-size:.92rem;margin-bottom:0}.process-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.process-step{position:relative;padding:24px 18px;background:#fff;border:1px solid var(--line);border-radius:18px}.process-step b{display:block;color:var(--gold);font-size:.78rem;letter-spacing:.08em}.process-step h3{font-size:1.04rem;margin-top:11px}.process-step p{font-size:.86rem;color:var(--muted);margin-bottom:0}.advisor-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:58px;align-items:center}.advisor-photo{border-radius:30px;max-height:560px;width:100%;object-fit:cover;object-position:center 22%;box-shadow:var(--shadow)}.bullet-list{list-style:none;padding:0;margin:24px 0}.bullet-list li{display:flex;gap:10px;margin:12px 0}.bullet-list li:before{content:"✓";color:var(--success);font-weight:900}.stats{display:flex;gap:18px;flex-wrap:wrap;margin:24px 0}.stat{border-left:3px solid var(--gold);padding-left:14px}.stat strong{display:block;color:var(--navy);font-size:1.35rem}.stat span{font-size:.82rem;color:var(--muted)}.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.quote{background:#fff;border:1px solid var(--line);border-radius:22px;padding:25px}.stars{letter-spacing:.12em;color:#b9851f}.quote blockquote{margin:14px 0;color:#364152}.quote cite{font-style:normal;font-weight:760;color:var(--navy);font-size:.88rem}.partner-banner{background:linear-gradient(135deg,var(--navy),#1b4779);color:#fff;border-radius:30px;padding:42px;display:grid;grid-template-columns:1.4fr .6fr;align-items:center;gap:30px;box-shadow:var(--shadow)}.partner-banner h2,.partner-banner p{color:#fff}.partner-banner p{opacity:.82}.cta{background:linear-gradient(135deg,var(--cream),#fff);text-align:center}.cta p{max-width:650px;margin:0 auto 24px;color:var(--muted)}
.page-hero{padding:70px 0 52px;background:linear-gradient(135deg,var(--cream),#fff)}.page-hero h1{font-size:clamp(2.4rem,5vw,4rem);max-width:900px}.page-hero .lead{max-width:760px}.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:20px}.breadcrumbs a{text-decoration:none}.category-nav{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.chip{border:1px solid var(--line);border-radius:999px;padding:8px 13px;background:#fff;text-decoration:none;font-size:.84rem;font-weight:700}.chip:hover{border-color:var(--navy)}.service-groups{display:grid;gap:55px}.service-group h2{font-size:1.8rem}.service-group .cards{grid-template-columns:repeat(3,1fr)}.service-layout{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:start}.content-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}.content-card + .content-card{margin-top:20px}.content-card p{color:var(--muted)}.service-sidebar{position:sticky;top:105px}.sidebar-card{background:var(--navy);color:#fff;border-radius:24px;padding:28px}.sidebar-card h3,.sidebar-card p{color:#fff}.sidebar-card p{opacity:.82}.sidebar-card .btn{width:100%;margin-top:10px}.simple-list{padding-left:20px}.simple-list li{margin:10px 0;color:#435064}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-weight:800;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:20px}summary:after{content:"+";font-size:1.3rem;color:var(--gold)}details[open] summary:after{content:"–"}details p{color:var(--muted);margin:12px 0 0}.notice{border-left:4px solid var(--gold);background:var(--cream);padding:17px 18px;border-radius:0 14px 14px 0;color:#4b5563}.steps-vertical{display:grid;gap:16px}.step-row{display:grid;grid-template-columns:54px 1fr;gap:16px}.step-circle{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}.step-row p{margin-top:0;color:var(--muted)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:750;color:var(--navy);font-size:.9rem}.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:12px;font:inherit;background:#fff;color:var(--ink)}.field textarea{min-height:150px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(200,155,60,.18);border-color:var(--gold)}.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted)}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px}.contact-cards{display:grid;gap:14px}.contact-card{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff}.contact-card strong{display:block;color:var(--navy)}.filter-row{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:28px}.filter-btn{border:1px solid var(--line);background:#fff;padding:9px 14px;border-radius:999px;font-weight:750;cursor:pointer}.filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.site-footer{background:#091a30;color:#d9e2ef;padding:62px 0 24px}.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .9fr .9fr;gap:34px}.site-footer h3{color:#fff;font-size:1rem}.site-footer a{color:#d9e2ef;text-decoration:none}.site-footer a:hover{color:#fff}.footer-links{display:grid;gap:9px;font-size:.9rem}.footer-brand .brand-copy strong{color:#fff}.footer-brand .brand-copy span{color:#aab8c9}.footer-brand p{color:#aab8c9;max-width:330px}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:20px;display:flex;justify-content:space-between;gap:18px;font-size:.79rem;color:#9fb0c3}.whatsapp-float{position:fixed;right:20px;bottom:20px;z-index:90;width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:#1f9d63;color:#fff;text-decoration:none;font-weight:900;box-shadow:0 12px 30px rgba(0,0,0,.22)}.mobile-cta{display:none}.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:200;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:18px;max-width:760px;margin:auto}.cookie-banner[hidden]{display:none}.cookie-banner p{margin:0 0 12px;color:var(--muted);font-size:.88rem}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}.cookie-actions .btn{min-height:40px;padding:8px 14px;font-size:.84rem}
@media(max-width:980px){.topbar{display:none}.nav-wrap{height:70px}.menu-toggle{display:block}.nav-links{position:fixed;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:20px 16px 24px;display:none;flex-direction:column;align-items:stretch;gap:6px;box-shadow:0 20px 35px rgba(13,35,64,.12)}.nav-links.open{display:flex}.nav-links a{padding:11px 8px}.nav-links .btn{margin-top:7px}.hero{padding-top:48px}.hero-grid,.advisor-grid,.service-layout,.contact-grid{grid-template-columns:1fr}.hero-media{max-width:760px}.mini-card{left:12px}.trust-grid{grid-template-columns:repeat(2,1fr)}.trust-item:nth-child(2){border-right:0}.trust-item:nth-child(-n+2){border-bottom:1px solid var(--line)}.cards,.service-group .cards{grid-template-columns:repeat(2,1fr)}.feature-grid{grid-template-columns:repeat(2,1fr)}.process-grid{grid-template-columns:repeat(2,1fr)}.partner-banner{grid-template-columns:1fr}.service-sidebar{position:static}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.container{width:min(calc(100% - 24px),var(--max))}.brand-copy span{display:none}.brand-mark{width:40px;height:40px}.hero{padding:40px 0 42px}.hero-grid{gap:34px}.hero h1{font-size:2.65rem}.hero-actions{display:grid}.hero-actions .btn{width:100%}.hero-proof{display:grid;gap:10px}.hero-media img{border-radius:22px}.mini-card{position:relative;left:auto;bottom:auto;margin:-18px 12px 0}.section{padding:64px 0}.section-head{display:block}.section-head .btn{margin-top:16px}.cards,.service-group .cards,.feature-grid,.process-grid,.quotes{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line)!important}.trust-item:last-child{border-bottom:0!important}.advisor-grid{gap:30px}.advisor-photo{max-height:440px}.partner-banner{padding:28px 22px;border-radius:22px}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.page-hero{padding:48px 0 38px}.content-card{padding:22px}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}.whatsapp-float{display:none}.mobile-cta{position:fixed;display:grid;grid-template-columns:1fr 1fr;left:0;right:0;bottom:0;z-index:120;background:#fff;border-top:1px solid var(--line);padding:9px 10px calc(9px + env(safe-area-inset-bottom));gap:8px}.mobile-cta .btn{min-height:44px;padding:9px 10px;font-size:.84rem}.site-footer{padding-bottom:95px}.cookie-banner{bottom:78px}.step-row{grid-template-columns:44px 1fr}.step-circle{width:40px;height:40px}.category-nav{gap:7px}.chip{font-size:.78rem;padding:7px 10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* Identidad oficial DEM y contraste del CTA principal del encabezado. */
.brand-logo{width:205px;height:70px;object-fit:contain}
.nav-links a.btn-primary,.nav-links a.btn-primary:visited{color:#fff}
.nav-links a.btn-primary:hover,.nav-links a.btn-primary:focus-visible{color:#fff;background:var(--navy-2)}
.site-footer .brand-logo{width:205px;height:auto}
@media(max-width:680px){.brand-logo{width:158px;height:58px}.nav-wrap{height:70px}}

/* Noticias y actualizaciones */
.news-updated{margin:22px 0 0;color:var(--muted);font-size:.86rem;font-weight:700}
.news-featured{margin-bottom:70px}
.news-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.news-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;box-shadow:0 10px 30px rgba(13,35,64,.06)}
.news-card-featured{padding:36px;background:linear-gradient(135deg,#fff,var(--cream));border-left:5px solid var(--gold)}
.news-card-featured h2{max-width:850px;font-size:clamp(1.8rem,3vw,2.65rem)}
.news-card h3{font-size:1.38rem}
.news-card > p{color:var(--muted)}
.news-meta{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:16px}
.news-meta time{color:var(--muted);font-size:.78rem;font-weight:700;text-align:right}
.news-impact{margin:10px 0 22px;padding:17px 18px;border-radius:15px;background:var(--light);border-left:3px solid var(--gold)}
.news-impact strong{color:var(--navy);font-size:.9rem}
.news-impact p{margin:5px 0 0;color:#435064;font-size:.9rem}
.news-source{margin-top:auto;color:var(--navy);font-weight:800;text-decoration:none}
.news-source:hover{text-decoration:underline;text-underline-offset:4px}
.news-heading{margin-top:0}
.news-note{margin-top:28px;padding:22px 24px;border-radius:18px;background:var(--navy);color:#fff}
.news-note strong{font-size:1.05rem}
.news-note p{margin:5px 0 0;color:#d9e2ef}
@media(max-width:780px){.news-grid{grid-template-columns:1fr}.news-card,.news-card-featured{padding:24px}.news-meta{align-items:flex-start}.news-featured{margin-bottom:52px}}