:root{
  --navy-900:#10162c;--navy-800:#182244;--navy-700:#1b274d;--navy-600:#182e47;
  --logo-navy:#27407a;--gold-1:#d4a017;--gold-2:#f5cb45;
  --acc:#e8b93e;--acc-600:#9c7a16;--acc-700:#806010;
  --ink:#1a2138;--muted:#5d6585;--line:#e4e7f0;--bg:#fff;--bg-soft:#f7f8fb;--bg-tint:#f6efdc;--white:#fff;
  --shadow:0 22px 60px -22px rgba(16,22,44,.45);--shadow-sm:0 10px 30px -14px rgba(16,22,44,.35);
  --radius:16px;--radius-lg:22px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Source Serif 4',Georgia,'Times New Roman',serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Source Serif 4',Georgia,serif;line-height:1.12;letter-spacing:.005em;font-weight:700}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
ul{list-style:none}
.wrap{width:min(1180px,92%);margin-inline:auto}
.eyebrow{font-weight:700;font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;color:var(--acc-600);display:inline-block}
section{padding:clamp(60px,8vw,116px) 0}
.section-head{max-width:780px;margin:0 auto clamp(38px,5vw,60px);text-align:center}
.section-head h2{font-weight:600;font-size:clamp(2rem,4.6vw,3.1rem);color:var(--navy-800);margin:.55rem 0 .7rem;text-transform:none;line-height:1.14;letter-spacing:0}
.section-head p{color:var(--muted);font-size:1.08rem}

.btn{display:inline-flex;align-items:center;gap:.55rem;justify-content:center;font-weight:700;font-size:.98rem;letter-spacing:.02em;padding:.95rem 1.7rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s,color .15s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--acc);color:var(--navy-900);box-shadow:0 14px 32px -12px rgba(232,185,62,.6)}
.btn-primary:hover{background:#f0c652}
.btn-outline{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.btn-outline:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-ghost{background:transparent;border-color:var(--navy-800);color:var(--navy-800)}
.btn-ghost:hover{background:var(--navy-800);color:#fff}

header.nav{position:sticky;top:0;z-index:60;background:rgba(16,22,44,.86);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.7rem 0}
.brand{display:flex;align-items:center}
.logo-lockup{display:inline-flex;align-items:center;gap:.04em;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.5rem;line-height:1;letter-spacing:-.012em;white-space:nowrap;transition:opacity .15s}
.logo-lockup .lt-light{color:#fff}
.logo-lockup .lt-gold{background:linear-gradient(95deg,var(--gold-1) 8%,var(--gold-2));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent}
.logo-sub{font-family:'Source Serif 4',Georgia,serif;font-weight:400;font-size:.5em;letter-spacing:.18em;text-transform:uppercase;color:#fff;margin-left:.5em;padding-left:.55em;border-left:2px solid var(--acc);align-self:center}
.brand:hover .logo-lockup{opacity:.85}
.nav-links{display:flex;align-items:center;gap:1.1rem}
.nav-links a{font-weight:700;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;color:#cdd3e6;transition:color .15s;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--acc)}
.nav-cta{display:flex;align-items:center;gap:.6rem}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}

.hero{position:relative;color:#fff;overflow:hidden;display:flex;align-items:center;min-height:clamp(520px,78vh,720px);
  background:radial-gradient(1000px 560px at 10% -10%,rgba(232,185,62,.12),transparent 60%),linear-gradient(160deg,var(--navy-900),var(--navy-800) 60%,var(--navy-700))}
.hero-media{position:absolute;top:0;right:0;bottom:0;width:46%;z-index:1}
.hero-media img{width:100%;height:100%;object-fit:cover;display:block}
.hero .wrap{position:relative;z-index:3}
.hero-text{max-width:520px;padding:clamp(54px,7vw,92px) 0}
.hero h1{font-weight:600;font-size:clamp(2.5rem,5.4vw,4.1rem);line-height:1.08;text-transform:none;letter-spacing:0;margin-bottom:1.1rem}
.hero h1 .accent{color:var(--acc)}
.hero .lead{font-size:1.18rem;color:#d7dcef;max-width:540px;margin-bottom:1.9rem}
.hero .tag{font-weight:700;letter-spacing:.22em;text-transform:uppercase;font-size:.8rem;color:var(--acc);margin-bottom:1.1rem;display:block}
.hero-cta{display:flex;flex-wrap:wrap;gap:.85rem}
.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);padding:1.8rem;backdrop-filter:blur(6px)}
.hero-card h3{font-size:1.4rem;color:#fff;text-transform:uppercase;margin-bottom:1.2rem}
.hero-card .row{display:flex;align-items:baseline;gap:.7rem;padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
.hero-card .row:last-child{border-bottom:0}
.hero-card .num{font-weight:700;font-size:2rem;color:var(--acc);line-height:1}
.hero-card .lbl{font-size:.92rem;color:#cdd3e6}

/* Page hero (páginas interiores) */
.page-hero{position:relative;color:#fff;overflow:hidden;background:radial-gradient(1000px 560px at 12% -20%,rgba(232,185,62,.14),transparent 60%),linear-gradient(160deg,var(--navy-900),var(--navy-800) 65%,var(--navy-700));padding:clamp(64px,9vw,120px) 0 clamp(48px,6vw,84px)}
.page-hero .eyebrow{color:var(--acc)}
.page-hero h1{font-weight:600;font-size:clamp(2.1rem,5vw,3.4rem);line-height:1.1;margin:.5rem 0 .8rem}
.page-hero p{color:#d7dcef;font-size:1.12rem;max-width:640px}

.stats{background:var(--acc);color:var(--navy-900)}
.stats .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;padding:2.2rem 0}
.stat{text-align:center}
.stat .n{font-weight:700;font-size:clamp(2rem,4vw,2.8rem);line-height:1}
.stat .t{font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;margin-top:.3rem}

.bg-soft{background:var(--bg-soft)}
.bg-navy{background:linear-gradient(160deg,var(--navy-900),var(--navy-800));color:#fff}
.bg-navy .section-head h2{color:#fff}.bg-navy .section-head p{color:#c5cbe2}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.prose h2{font-weight:600;font-size:clamp(2rem,4.4vw,2.9rem);color:var(--navy-800);text-transform:none;line-height:1.14;letter-spacing:0;margin:.5rem 0 1rem}
.bg-navy .prose h2{color:#fff}
.prose p{color:var(--muted);margin-bottom:1rem;font-size:1.05rem}
.bg-navy .prose p{color:#cdd3e6}

.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.pillar{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.8rem}
.pillar .ic{width:46px;height:46px;border-radius:12px;background:var(--bg-tint);display:grid;place-items:center;color:var(--acc-700);margin-bottom:.9rem;font-size:1.3rem}
.pillar h3{font-size:1.25rem;color:var(--navy-800);text-transform:uppercase;margin-bottom:.45rem}
.pillar p{color:var(--muted);font-size:.97rem}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.cards-3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.7rem;transition:transform .18s,box-shadow .18s,border-color .18s;position:relative;overflow:hidden}
.card::before{content:"";position:absolute;left:0;top:0;height:4px;width:100%;background:var(--acc);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card:hover::before{transform:scaleX(1)}
.card .k{font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--acc-700);margin-bottom:.5rem}
.card h3{font-size:1.25rem;color:var(--navy-800);text-transform:uppercase;margin-bottom:.5rem;line-height:1.1}
.card p{color:var(--muted);font-size:.95rem}

/* Tarjetas de producto con foto */
.prodcards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.prodcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.prodcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.prodcard .ph{aspect-ratio:16/10;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy-700),var(--navy-900))}
.prodcard .ph img{width:100%;height:100%;object-fit:cover}
.prodcard .ph.placeholder{display:grid;place-items:center}
.prodcard .ph.placeholder svg{width:56px;height:56px;color:rgba(232,185,62,.6)}
.prodcard .ph .ph-tag{position:absolute;bottom:.6rem;right:.7rem;font-size:.6rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5)}
.prodcard .body{padding:1.6rem 1.7rem 1.8rem;display:flex;flex-direction:column;flex:1}
.prodcard .k{font-weight:700;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--acc-700);margin-bottom:.45rem}
.prodcard h3{font-size:1.4rem;color:var(--navy-800);text-transform:uppercase;margin-bottom:.55rem;line-height:1.1}
.prodcard p{color:var(--muted);font-size:.96rem;flex:1}
.prodcard .card-more{display:inline-flex;align-items:center;gap:.35em;margin-top:1.1rem;font-weight:700;font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;color:var(--acc-700);transition:gap .15s}
.prodcard:hover .card-more{gap:.7em}

/* Cómo funciona (fondeo → renta fija) */
.howto{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:1rem}
.howto-step{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.8rem}
.howto-step .hn{font-weight:700;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--acc-700);margin-bottom:.5rem}
.howto-step h4{font-size:1.18rem;color:var(--navy-800);margin-bottom:.45rem;line-height:1.2}
.howto-step p{color:var(--muted);font-size:.95rem}
.howto-foot{text-align:center;color:var(--muted);font-size:1.04rem;max-width:760px;margin:2.2rem auto 0}
.howto-foot b{color:var(--navy-800)}

/* Tu retiro (teaser → Capital Steps) */
.retiro{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,3.5rem);align-items:center;background:linear-gradient(160deg,var(--navy-900),var(--navy-800));border-radius:var(--radius-lg);padding:clamp(2rem,4.5vw,3.2rem);color:#fff}
.retiro h2{font-weight:600;font-size:clamp(1.8rem,4vw,2.6rem);color:#fff;text-transform:none;letter-spacing:0;margin-bottom:1rem}
.retiro p{color:#cdd3e6;margin-bottom:1rem;font-size:1.05rem}
.retiro .accent{color:var(--acc)}
.retiro-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:1.8rem;text-align:center}
.retiro-card .big{font-weight:700;font-size:clamp(2.4rem,6vw,3.4rem);color:var(--acc);line-height:1}
.retiro-card .big-l{color:#cdd3e6;font-size:.95rem;margin-top:.4rem}
.retiro-card .rule{color:#9aa3c4;font-size:.82rem;margin-top:1rem;line-height:1.5}

.pill-row{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.4rem}
.pill{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);color:#dfe4f4;padding:.5rem .95rem;border-radius:999px;font-size:.88rem;font-weight:700}
.pill b{color:var(--acc);font-weight:700}
.feat-list{margin-top:1.2rem;display:grid;gap:.8rem}
.feat-list li{display:flex;gap:.7rem;color:#cdd3e6;font-size:1rem}
.feat-list .dot{flex:0 0 auto;width:9px;height:9px;border-radius:50%;background:var(--acc);margin-top:.55rem}

.protos{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.proto{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem}
.proto .t{font-weight:700;font-size:1.3rem;color:var(--navy-800);text-transform:uppercase;margin-bottom:.5rem}
.proto p{color:var(--muted);font-size:.92rem}

/* Camino: 5 etapas */
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}
.et{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:1.6rem 1.3rem;transition:transform .18s,box-shadow .18s}
.et:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm)}
.et .num{font-weight:700;font-size:.7rem;letter-spacing:.14em;color:var(--acc-600);text-transform:uppercase;display:block;margin-bottom:.55rem}
.et h3{font-size:1.1rem;color:var(--navy-800);margin-bottom:.4rem;line-height:1.2}
.et p{color:var(--muted);font-size:.9rem}
.et a{color:var(--acc-700);font-weight:700}
.et a:hover{text-decoration:underline}

.qlist{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1rem}
.q{display:flex;gap:.9rem;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:1.2rem 1.3rem}
.q .n{font-weight:700;color:var(--acc);font-size:1.3rem;line-height:1.2;flex:0 0 auto}
.q p{color:#dfe4f4;font-size:1rem}

.quote-band{background:linear-gradient(160deg,var(--navy-800),var(--navy-700));color:#fff;text-align:center}
.quote-band .q2{font-size:clamp(1.6rem,3.6vw,2.4rem);font-weight:600;text-transform:none;letter-spacing:0}
.quote-band .q2 .accent{color:var(--acc)}

.cta{background:linear-gradient(160deg,var(--navy-900),var(--navy-700));color:#fff;text-align:center;border-radius:var(--radius-lg);padding:clamp(2.4rem,5vw,3.6rem)}
.cta h2{font-weight:600;font-size:clamp(1.9rem,4.4vw,2.8rem);text-transform:none;letter-spacing:0;margin-bottom:.8rem}
.cta p{color:#cdd3e6;max-width:620px;margin:0 auto 1.8rem}
.cta-row{display:flex;flex-wrap:wrap;gap:.85rem;justify-content:center}

.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,5vw,3.5rem);align-items:start}
.contact-info h3{font-size:1.5rem;color:var(--navy-800);text-transform:uppercase;margin-bottom:1.1rem}
.contact-block{margin-bottom:1.4rem}
.contact-block .k{font-weight:700;font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--acc-700);margin-bottom:.25rem}
.contact-block p{color:var(--muted)}
form.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-sm)}
form.lead-form .grid2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
form.lead-form label{display:block;font-weight:700;font-size:.82rem;color:var(--navy-700);margin-bottom:.35rem}
form.lead-form input,form.lead-form select,form.lead-form textarea{width:100%;padding:.8rem .9rem;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:.98rem;color:var(--ink);background:var(--bg-soft);margin-bottom:1rem}
form.lead-form input:focus,form.lead-form select:focus,form.lead-form textarea:focus{outline:2px solid var(--acc);border-color:transparent}
form.lead-form textarea{min-height:100px;resize:vertical}
.form-note{font-size:.8rem;color:var(--muted);margin-top:.4rem}

footer.site{background:var(--navy-900);color:#aeb6d4;padding:3rem 0 2rem}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,.1)}
footer.site h5{font-weight:700;letter-spacing:.1em;text-transform:uppercase;font-size:.78rem;color:#fff;margin-bottom:.9rem}
footer.site a{color:#aeb6d4;display:block;padding:.2rem 0;font-size:.92rem}
footer.site a:hover{color:var(--acc)}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;padding-top:1.5rem;font-size:.82rem;color:#7c84a8}
.legal-note{max-width:820px;font-size:.78rem;color:#6b739a;margin-top:.8rem;line-height:1.5}

.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}

@media(max-width:980px){
  .hero{display:block;min-height:0}
  .hero-media{position:relative;width:100%;height:clamp(220px,48vw,340px)}
  .hero-text{max-width:none;padding:clamp(40px,8vw,60px) 0 clamp(36px,6vw,48px)}
  .cards,.protos,.prodcards,.howto{grid-template-columns:repeat(2,1fr)}
  .pillars{grid-template-columns:1fr}
  .split,.contact-grid,.qlist,.retiro{grid-template-columns:1fr}
  .journey{grid-template-columns:1fr}
}
@media(max-width:1024px){
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy-900);flex-direction:column;padding:1rem 6%;gap:.4rem;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav-links.open{display:flex}.nav-links a{padding:.5rem 0;width:100%}
  .nav-toggle{display:block}
}
@media(max-width:640px){
  .nav-cta .btn:not(.nav-toggle){display:none}
  .cards,.protos,.prodcards,.howto{grid-template-columns:1fr}.stats .wrap{grid-template-columns:1fr;gap:1.2rem}
  .foot-top{grid-template-columns:1fr}form.lead-form .grid2{grid-template-columns:1fr}
}