:root{--navy:#0b1d3a;--orange:#ff7a00;--gray:#7a869a;--pale:#eef2f6;--white:#fff;--ink:#17213a;--shadow:0 18px 50px rgba(11,29,58,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Montserrat,Arial,sans-serif;background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}h1,h2,h3,p{margin-top:0}h1,h2{letter-spacing:-.04em;line-height:1.1;color:var(--navy)}h1{font-size:clamp(3rem,5vw,5.8rem);margin-bottom:1.5rem}h2{font-size:clamp(2rem,3.3vw,3.6rem)}h1 span,h2 span,.section-heading strong,.transition strong{color:var(--orange)}.eyebrow{color:var(--orange);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem}.button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:.85rem 1.35rem;border-radius:8px;font-weight:700;transition:.2s ease}.button:hover{transform:translateY(-2px)}.button-primary{background:var(--orange);color:#fff}.button-dark{background:var(--navy);color:#fff}.button-outline{border:1px solid var(--navy);color:var(--navy)}.button-light{background:#fff;color:var(--navy)}.site-header{position:sticky;top:0;z-index:20;min-height:92px;padding:10px clamp(20px,5vw,76px);display:flex;align-items:center;gap:2rem;background:rgba(255,255,255,.95);box-shadow:0 4px 20px rgba(11,29,58,.06);backdrop-filter:blur(12px)}.brand{width:190px;overflow:hidden}.brand img{width:100%;height:66px;object-fit:contain;object-position:left center}.site-nav{display:flex;gap:1.5rem;margin-left:auto}.site-nav a{font-size:.88rem;font-weight:700}.site-nav a:hover{color:var(--orange)}.header-actions{display:flex;gap:.75rem}.menu-button{display:none;border:0;background:var(--pale);padding:.7rem 1rem;border-radius:8px;font:inherit;font-weight:700}.hero{min-height:690px;display:grid;grid-template-columns:44% 56%;align-items:stretch;background:linear-gradient(115deg,#fff 20%,#eef6fb 100%);overflow:hidden}.hero-copy{padding:clamp(70px,8vw,120px) 4vw 65px 6vw;position:relative;z-index:2}.hero-copy>p:not(.eyebrow){max-width:650px;font-size:1.08rem}.actions{display:flex;gap:1rem;flex-wrap:wrap;margin:2rem 0}.benefits{list-style:none;padding:1.6rem 0 0;margin:2rem 0 0;border-top:1px solid #d8e0e8;display:grid;grid-template-columns:1fr 1fr;gap:1rem;font-size:.83rem;font-weight:700;color:var(--navy)}.benefits li:before{content:"✓";color:var(--orange);margin-right:.5rem}.hero-visual{position:relative;min-height:550px}.hero-visual:after{content:"";position:absolute;inset:auto -10% -90px -5%;height:190px;background:var(--navy);border-top:9px solid var(--orange);border-radius:50% 50% 0 0}.hero-visual img{width:100%;height:100%;object-fit:cover}.hero-badge{position:absolute;z-index:2;right:4%;bottom:2rem;background:#fff;color:var(--navy);padding:.8rem 1.1rem;border-radius:999px;box-shadow:var(--shadow);font-weight:700;font-size:.75rem}.section{padding:clamp(80px,9vw,135px) clamp(22px,5vw,80px)}.section-heading{text-align:center;max-width:1150px;margin:0 auto 3.5rem}.section-heading>p:last-child{max-width:850px;margin-left:auto;margin-right:auto}.problem{background:#fff}.card-grid{display:grid;gap:2rem;max-width:1400px;margin:auto}.card-grid-three{grid-template-columns:repeat(3,1fr)}.card-grid-four{grid-template-columns:repeat(4,1fr)}.info-card,.solution-card{background:#fff;border:1px solid #edf0f4;border-radius:22px;padding:2.3rem;text-align:center;box-shadow:var(--shadow)}.info-card h3,.solution-card h3{color:var(--navy);font-size:1.35rem}.line-icon{width:86px;height:86px;border-radius:50%;display:grid;place-items:center;margin:0 auto 1.4rem;color:var(--orange);font-family:Playfair Display,serif;font-size:3.3rem;background:var(--pale)}.transition{text-align:center;margin:3.5rem auto 0;color:var(--navy);font-size:1.15rem}.solutions{background:linear-gradient(135deg,#f6f9fc,#fff)}.solution-card{display:flex;flex-direction:column;align-items:center}.solution-mark{width:64px;height:64px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;border:5px solid var(--pale);margin-bottom:1.4rem;font-weight:800}.solution-card p{font-size:.91rem}.solution-card a{color:var(--orange);font-weight:800;margin-top:auto;padding-top:1rem}.why{display:grid;grid-template-columns:1fr 1fr;gap:6vw;background:var(--navy);color:#fff}.why h2{color:#fff}.why-copy>p:not(.eyebrow){color:#d7e0eb}.why blockquote{margin:2rem 0 0;padding:1.4rem 0 1.4rem 1.6rem;border-left:3px solid var(--orange);font-family:Playfair Display,serif;font-size:1.35rem}.why-list{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.why-list article{padding:1.5rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);border-radius:16px}.why-list strong,.why-list span{display:block}.why-list strong{color:#fff;margin-bottom:.6rem}.why-list span{color:#c9d3df;font-size:.88rem}.process{background:#fff}.steps{list-style:none;padding:0;max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}.steps li{text-align:center;position:relative}.steps li:not(:last-child):after{content:"";position:absolute;top:26px;left:65%;width:70%;height:1px;background:#cdd7e2}.steps li>span{position:relative;z-index:2;margin:auto auto 1.2rem;width:54px;height:54px;display:grid;place-items:center;border-radius:50%;background:var(--orange);color:#fff;font-weight:800}.steps strong{color:var(--navy)}.steps p{font-size:.82rem;margin-top:.6rem}.faq{display:grid;grid-template-columns:38% 1fr;gap:7vw;background:var(--pale)}.accordion details{background:#fff;border-radius:12px;padding:1.2rem 1.4rem;margin-bottom:.8rem}.accordion summary{cursor:pointer;color:var(--navy);font-weight:700}.accordion details p{margin:.9rem 0 0}.final-cta{text-align:center;padding:100px 20px;background:var(--navy);color:#d9e2ed}.final-cta h2{color:#fff;max-width:950px;margin-left:auto;margin-right:auto}.final-cta>p:not(.eyebrow){max-width:720px;margin-left:auto;margin-right:auto}.final-cta .actions{justify-content:center}footer{padding:65px 6vw 30px;background:#071327;color:#c5ceda;display:grid;grid-template-columns:2fr 1fr 1fr;gap:3rem}footer strong{display:block;color:#fff;margin-bottom:1rem}footer a,footer span{display:block;margin:.45rem 0;font-size:.85rem}.legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.12);padding-top:1.5rem;margin:1rem 0 0;font-size:.75rem}
@media(max-width:1050px){.site-nav{display:none;position:absolute;top:92px;left:0;right:0;background:#fff;padding:1.5rem;box-shadow:var(--shadow);flex-direction:column}.site-nav.open{display:flex}.menu-button{display:block;margin-left:auto}.header-actions .button-primary{display:none}.hero{grid-template-columns:1fr}.hero-copy{padding-bottom:35px}.hero-visual{min-height:480px}.card-grid-four{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.steps li:after{display:none}}
@media(max-width:720px){h1{font-size:3rem}.site-header{gap:.7rem}.brand{width:145px}.header-actions .button{padding:.7rem .8rem;font-size:.78rem}.hero-visual{min-height:360px}.benefits,.card-grid-three,.card-grid-four,.why,.why-list,.steps,.faq,footer{grid-template-columns:1fr}.section{padding:75px 20px}.info-card,.solution-card{text-align:left;align-items:flex-start}.line-icon{margin-left:0}.why{gap:3rem}.faq{gap:2rem}.legal{grid-column:1}.hero-badge{display:none}}

/* Barra flotante inspirada en la navegación de Nevora Studio */
html{scroll-padding-top:110px}
.site-header{position:fixed;top:18px;left:50%;transform:translateX(-50%);width:min(92%,1420px);min-height:78px;padding:7px 18px 7px 24px;gap:1.5rem;border:1px solid rgba(255,255,255,.78);border-radius:18px;background:rgba(255,255,255,.93);box-shadow:0 16px 42px rgba(11,29,58,.14);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.brand{width:178px}.brand img{height:58px}.site-nav{gap:1.35rem}.site-nav a{font-size:.84rem}.header-actions{gap:.65rem}.header-actions .button{min-height:46px;padding:.72rem 1.05rem}
.hero{padding-top:96px}

/* Cotizador orientativo */
.quote-section{display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;align-items:center;background:#fff}
.quote-copy>p:not(.eyebrow){color:#56647a}
.quote-benefits{list-style:none;padding:0;margin:1.6rem 0}.quote-benefits li{margin:.65rem 0;font-weight:700;color:var(--navy)}.quote-benefits li:before{content:"✓";color:var(--orange);margin-right:.6rem}
.calculator{background:var(--pale);border:1px solid #e1e8ef;border-radius:24px;padding:clamp(1.5rem,4vw,3rem);box-shadow:var(--shadow)}
.calculator label{display:block;color:var(--navy);font-weight:700;margin:0 0 .5rem}
.calculator select,.diagnosis-form select,.diagnosis-form input,.diagnosis-form textarea{width:100%;border:1px solid #cad5e0;background:#fff;border-radius:9px;padding:.8rem .9rem;color:var(--ink);font:inherit}
.calculator select{margin-bottom:1.7rem}.range-label{margin-top:1.2rem!important}.range-label strong{float:right;color:var(--orange)}
.calculator input[type=range]{width:100%;accent-color:var(--orange);margin-bottom:1.2rem}
.quote-result{background:var(--navy);color:#fff;padding:1.5rem;border-radius:16px;margin-top:1rem}.quote-result>span,.quote-result>strong{display:block}.quote-result>span{font-size:.7rem;letter-spacing:.11em;text-transform:uppercase;color:#bac7d6}.quote-result>strong{font-size:1.3rem;margin:.35rem 0}.quote-result p{color:#d6dfeb}
.calculator small,.diagnosis-form small{display:block;color:#69778a;margin-top:1rem}

/* Diagnóstico previo a la asesoría */
.diagnosis-section{display:grid;grid-template-columns:.72fr 1.28fr;gap:7vw;background:linear-gradient(135deg,#fff,#f4f8fb)}
.diagnosis-copy{position:sticky;top:120px;align-self:start}.diagnosis-copy>p:not(.eyebrow){color:#56647a}
.privacy-card{margin-top:2rem;padding:1.2rem;background:#fff;border-left:3px solid var(--orange);box-shadow:var(--shadow)}.privacy-card strong,.privacy-card span{display:block}.privacy-card span{font-size:.84rem;color:#657286;margin-top:.35rem}
.diagnosis-form,.form-success{background:#fff;border:1px solid #e7edf2;border-radius:24px;padding:clamp(1.5rem,4vw,3rem);box-shadow:var(--shadow)}
.form-heading{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #dfe6ed;padding-bottom:1rem;margin-bottom:1.5rem}.form-heading>span{color:var(--orange);font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.form-heading>strong{color:var(--navy)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}.diagnosis-form label{display:block;color:var(--navy);font-size:.84rem;font-weight:700;margin-bottom:1.15rem}.diagnosis-form input,.diagnosis-form select,.diagnosis-form textarea{margin-top:.45rem;font-weight:400}
.consent{display:flex!important;align-items:flex-start;gap:.7rem}.consent input{width:18px;margin-top:.25rem}.consent span{color:#526074;font-weight:400}
.form-submit{width:100%;gap:.5rem}.form-success{text-align:center;align-self:start}.form-success>span{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;margin:0 auto 1rem;background:#e7f6ed;color:#198754;font-size:2rem}

@media(max-width:1050px){
  .site-header{top:12px;width:calc(100% - 24px)}
  .site-nav{top:74px;border-radius:0 0 18px 18px}
  .quote-section,.diagnosis-section{grid-template-columns:1fr}
  .diagnosis-copy{position:static}
}
@media(max-width:720px){
  .site-header{padding:6px 10px 6px 16px;border-radius:15px}
  .form-grid{grid-template-columns:1fr}
  .calculator,.diagnosis-form{padding:1.35rem}
  .form-heading{align-items:flex-start;gap:.5rem;flex-direction:column}
}

/* Hero editorial — actualizado sin alterar la barra flotante */
.hero{min-height:720px;padding-top:96px;grid-template-columns:43% 57%;background:linear-gradient(118deg,#fff 0%,#f4f8fc 46%,#eaf3f9 100%)}
.hero-copy{padding:clamp(72px,7vw,108px) 3.8vw 38px 5.5vw;display:flex;flex-direction:column;justify-content:center}
.hero-copy h1{max-width:650px;font-size:clamp(3.15rem,4.55vw,5.2rem);line-height:1.04;margin-bottom:1rem}
.hero-copy h1 span{display:block}
.hero-accent{width:38px;height:3px;margin:.1rem 0 1.65rem;background:var(--orange);border-radius:10px}
.hero-copy>p:not(.eyebrow){max-width:590px;font-size:1rem;line-height:1.75;color:#344157}
.hero-copy .actions{margin:1.65rem 0 1.8rem}
.hero-button{gap:.55rem;min-height:52px;padding:.85rem 1.25rem}
.hero-button>span{font-size:1.1rem}
.benefits{grid-template-columns:repeat(4,1fr);gap:0;padding:1.25rem 0 0;margin:0;border-top:1px solid #d7e0e9}
.benefits li{display:flex;align-items:center;gap:.7rem;min-height:58px;padding:0 .75rem;border-right:1px solid #d5dde6;font-size:.72rem;line-height:1.35}
.benefits li:first-child{padding-left:0}.benefits li:last-child{border-right:0}
.benefits li:before{display:none}
.benefit-icon{flex:0 0 36px;width:36px;height:36px;display:grid;place-items:center;color:var(--navy);font-size:1.65rem}
.benefits strong{font-weight:700}
.hero-visual{min-height:624px;isolation:isolate}
.hero-visual:before{content:"";position:absolute;z-index:2;left:-1px;top:-1px;bottom:0;width:76px;background:#f5f9fc;clip-path:ellipse(68% 62% at 0% 50%)}
.hero-visual:after{z-index:3;inset:auto -9% -78px -8%;height:175px;border-top:8px solid var(--orange);border-radius:52% 48% 0 0}
.hero-visual img{object-position:53% center}
.hero-orb{position:absolute;z-index:4;width:72px;height:72px;display:grid;place-items:center;border-radius:50%;background:rgba(255,255,255,.96);color:var(--orange);font-family:Playfair Display,serif;font-size:2.25rem;box-shadow:0 12px 34px rgba(11,29,58,.14)}
.hero-orb-health{top:9%;left:9%}.hero-orb-growth{top:7%;right:18%;color:var(--navy)}.hero-orb-shield{top:31%;left:1%;color:var(--navy)}

@media(max-width:1050px){
  .hero{grid-template-columns:1fr;padding-top:106px}
  .hero-copy{padding:70px 7vw 40px}
  .hero-copy h1{max-width:760px}
  .hero-visual{min-height:520px}
  .hero-visual:before{display:none}
}
@media(max-width:720px){
  .hero-copy{padding:58px 20px 34px}
  .hero-copy h1{font-size:3rem}
  .benefits{grid-template-columns:1fr 1fr}
  .benefits li{border-right:0;border-bottom:1px solid #d5dde6;padding:.65rem 0}
  .benefits li:nth-last-child(-n+2){border-bottom:0}
  .hero-visual{min-height:390px}
  .hero-orb{width:56px;height:56px;font-size:1.75rem}
  .hero-orb-health{left:5%}.hero-orb-growth{right:6%}.hero-orb-shield{top:36%;left:3%}
}

/* Encuadre completo de la fotografía: sin zoom ni recortes */
.hero-visual{display:flex;align-items:center;justify-content:center;background:#edf5fa;overflow:hidden}
.hero-visual{min-height:0!important;align-self:center;aspect-ratio:886/590}
.hero-visual img{position:static!important;display:block;width:100%!important;height:auto!important;max-height:none!important;object-fit:contain!important;object-position:center center!important}
.hero-visual:before,.hero-visual:after,.hero-orb{display:none}

@media(max-width:1050px){
  .hero-visual{min-height:auto;aspect-ratio:3/2}
}
@media(max-width:720px){
  .hero-visual{min-height:auto;aspect-ratio:3/2}
}

/* Refinamiento visual V5 */
.brand{background:transparent}.brand img{background:transparent;mix-blend-mode:normal}
.benefit-icon{flex:0 0 54px;width:54px;height:48px;object-fit:contain}
.handshake-only{justify-content:center}.handshake-only .benefit-icon{width:82px;height:54px;flex-basis:82px}
.card-illustration{display:block;width:auto;height:150px;object-fit:contain;margin:0 auto 1.25rem;transition:transform .25s ease}
.info-card:hover .card-illustration,.solution-card:hover .service-illustration{transform:translateY(-5px) scale(1.03)}
.service-illustration{display:block;width:auto;height:138px;object-fit:contain;margin:0 auto 1.25rem;transition:transform .25s ease}
.why-list article{text-align:center;display:flex;min-height:142px;flex-direction:column;justify-content:center;align-items:center}

/* Calculadora de retiro */
.retirement-section{display:grid;grid-template-columns:.72fr 1.28fr;gap:7vw;align-items:center;background:linear-gradient(135deg,#f4f8fb,#fff)}
.retirement-copy>p:not(.eyebrow){color:#56647a}.retirement-copy>img{width:min(320px,75%);margin:2rem auto 0}
.retirement-calculator{background:#fff;border:1px solid #e1e8ef;border-radius:24px;padding:clamp(1.5rem,4vw,3rem);box-shadow:var(--shadow)}
.retirement-calculator>label{display:block;color:var(--navy);font-weight:700;margin:1.2rem 0 .5rem}
.retirement-calculator>input[type=range]{width:100%;accent-color:var(--orange)}
.retirement-calculator select,.money-input{width:100%;border:1px solid #cad5e0;background:#fff;border-radius:9px;color:var(--ink);font:inherit}
.retirement-calculator select{padding:.8rem .9rem}
.money-input{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:.7rem;padding:0 .9rem}.money-input span{color:var(--gray);font-weight:700}.money-input input{width:100%;border:0;outline:0;padding:.8rem 0;color:var(--ink);font:inherit}
#calculate-retirement{width:100%;margin-top:1.5rem}
.retirement-result{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1rem}.retirement-result>div{padding:1.2rem;border-radius:14px;background:var(--navy);color:#fff}.retirement-result span,.retirement-result strong{display:block}.retirement-result span{font-size:.72rem;color:#bdc9d8}.retirement-result strong{margin-top:.35rem;font-size:1.15rem;color:#fff}
.calculator-note{font-size:.72rem;color:#69778a;margin:1rem 0 0}

@media(max-width:1050px){
  .retirement-section{grid-template-columns:1fr}
}
@media(max-width:720px){
  .benefit-icon{width:50px;height:44px;flex-basis:50px}
  .card-illustration,.service-illustration{height:120px;margin-left:0}
  .retirement-calculator{padding:1.35rem}
  .retirement-result{grid-template-columns:1fr}
}