:root {
  --naranja: #ff7a00;
  --naranja-oscuro: #d95f00;
  --azul: #0b1b3a;
  --gris: #5b6472;
  --gris-claro: #f4f5f7;
  --texto: #1c2430;
  --radio: 14px;
  --sombra: 0 10px 30px rgba(11, 27, 58, 0.12);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--texto);
  line-height: 1.55;
  background: #fff;
}

a { color: var(--naranja-oscuro); text-decoration: none; }

/* ---------- Header ---------- */
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 6vw;
  border-bottom: 1px solid #eceef2;
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  z-index: 10;
}
.brand {
  font-weight: 800;
  font-size: 22px;
  letter-spacing: -0.5px;
  color: var(--azul);
  display: flex;
  align-items: center;
  gap: 10px;
}
.brand .dot {
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--naranja);
  display: inline-block;
}
.nav ul { display: flex; gap: 26px; list-style: none; margin: 0; padding: 0; }
.nav ul a { color: var(--texto); font-weight: 600; font-size: 15px; }
.nav .btn { padding: 10px 18px; }

/* ---------- Hero ---------- */
.hero { position: relative; min-height: 74vh; display: flex; align-items: center; overflow: hidden; }
.hero-img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 0;
}
.hero-content {
  position: relative; z-index: 1;
  padding: 0 6vw;
  max-width: 640px;
  color: #fff;
}
.hero h1 { font-size: clamp(30px, 4.4vw, 52px); line-height: 1.08; margin: 0 0 16px; letter-spacing: -1px; }
.hero p { font-size: clamp(16px, 1.6vw, 20px); margin: 0 0 26px; opacity: 0.95; }
.badge-rate {
  display: inline-flex; align-items: baseline; gap: 10px;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.35);
  padding: 10px 16px; border-radius: 999px; margin-bottom: 22px;
  backdrop-filter: blur(4px);
}
.badge-rate strong { font-size: 26px; color: #fff; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  background: var(--naranja);
  color: #fff; font-weight: 700;
  padding: 14px 26px; border-radius: 999px;
  border: none; cursor: pointer; font-size: 16px;
  transition: background 0.2s ease;
}
.btn:hover { background: var(--naranja-oscuro); }
.btn.ghost { background: transparent; border: 2px solid #fff; }

/* ---------- Sections ---------- */
.section { padding: 72px 6vw; }
.section h2 { font-size: clamp(24px, 3vw, 34px); letter-spacing: -0.5px; margin: 0 0 8px; color: var(--azul); }
.section .lead { color: var(--gris); max-width: 640px; margin: 0 0 40px; font-size: 18px; }

.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid #eceef2; border-radius: var(--radio);
  padding: 26px; box-shadow: var(--sombra);
}
.card .ico { width: 44px; height: 44px; border-radius: 12px; background: #fff2e6; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; font-size: 22px; }
.card h3 { margin: 0 0 8px; font-size: 19px; color: var(--azul); }
.card p { margin: 0; color: var(--gris); font-size: 15px; }

.band { background: var(--gris-claro); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; counter-reset: step; }
.step { position: relative; padding-left: 54px; }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: 0;
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--naranja); color: #fff; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}

/* ---------- Footer ---------- */
footer { background: var(--azul); color: #c7cfdd; padding: 46px 6vw; font-size: 14px; }
footer .brand { color: #fff; margin-bottom: 12px; }
footer a { color: #ffb980; }

@media (max-width: 860px) {
  .nav ul { display: none; }
  .grid, .steps { grid-template-columns: 1fr; }
}