:root {
  --azul: #0b3d91;
  --azul-claro: #eaf1fb;
  --acento: #ff8a00;
  --texto: #1c2733;
  --gris: #5c6b7a;
  --borde: #d8e0ea;
  --ok: #1a7f4b;
  --radius: 12px;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--texto);
  line-height: 1.65;
  background: #fff;
}
.wrap { max-width: 880px; margin: 0 auto; padding: 0 20px; }

.site-header {
  background: var(--azul);
  position: sticky; top: 0; z-index: 10;
}
.site-header nav { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; padding: 10px 20px; }
.brand { color: #fff; font-weight: 700; font-size: 1.15rem; text-decoration: none; }
.nav-links { display: flex; gap: 16px; flex-wrap: wrap; }
.nav-links a { color: #cdddf5; text-decoration: none; font-size: .95rem; }
.nav-links a:hover { color: #fff; }

h1 { font-size: clamp(1.6rem, 4vw, 2.3rem); line-height: 1.25; color: var(--azul); }
h2 { color: var(--azul); margin-top: 2em; }
a { color: var(--azul); }

.hero { text-align: center; padding: 2.2rem 0 .5rem; }
.hero .sub { font-size: 1.15rem; color: var(--gris); max-width: 640px; margin: 0 auto; }
.badges { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin: 1.2rem 0; }
.badges span { background: var(--azul-claro); color: var(--azul); padding: 5px 14px; border-radius: 999px; font-size: .88rem; font-weight: 600; }

.card {
  background: #fff; border: 1px solid var(--borde); border-radius: var(--radius);
  padding: 24px; margin: 1.5rem 0; box-shadow: 0 2px 12px rgba(11,61,145,.06);
}
.card.calc { background: linear-gradient(180deg, var(--azul-claro), #fff 40%); }

label { display: block; font-weight: 600; margin: 14px 0 4px; }
input, select {
  width: 100%; padding: 11px 12px; font-size: 1rem;
  border: 1px solid var(--borde); border-radius: 8px; background: #fff;
}
input:focus, select:focus { outline: 2px solid var(--azul); border-color: var(--azul); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .row2 { grid-template-columns: 1fr; } }

.btn {
  display: inline-block; border: 0; cursor: pointer; text-decoration: none;
  background: var(--acento); color: #fff; font-weight: 700; font-size: 1.05rem;
  padding: 13px 28px; border-radius: 999px; margin-top: 18px;
  transition: transform .1s, box-shadow .1s;
}
.btn:hover { transform: translateY(-1px); box-shadow: 0 4px 14px rgba(255,138,0,.4); }
.btn.secundario { background: var(--azul); }
.btn.ghost { background: transparent; color: var(--azul); border: 2px solid var(--azul); }

#resultado { display: none; margin-top: 22px; padding: 22px; border-radius: var(--radius); }
#resultado.ok { display: block; background: #e9f7ef; border: 1px solid #b7e4c7; }
#resultado.ko { display: block; background: #fdf3e7; border: 1px solid #f5d9b0; }
#resultado .importe { font-size: 2.4rem; font-weight: 800; color: var(--ok); }
#resultado .cta-doble { display: flex; gap: 12px; flex-wrap: wrap; }

.pasos { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 1.5rem 0; }
@media (max-width: 640px) { .pasos { grid-template-columns: 1fr; } }
.paso { background: var(--azul-claro); border-radius: var(--radius); padding: 18px; }
.paso .num { font-size: 1.6rem; font-weight: 800; color: var(--azul); }

table { border-collapse: collapse; width: 100%; margin: 1rem 0; }
th, td { border: 1px solid var(--borde); padding: 10px 12px; text-align: left; }
th { background: var(--azul-claro); color: var(--azul); }

.aviso { background: var(--azul-claro); border-left: 4px solid var(--azul); padding: 12px 16px; border-radius: 0 8px 8px 0; margin: 1.2rem 0; }

textarea#carta-salida {
  width: 100%; min-height: 420px; font-family: Georgia, serif; font-size: .95rem;
  padding: 16px; border: 1px solid var(--borde); border-radius: 8px; line-height: 1.5;
}

.site-footer { background: #0d2b57; color: #b9c9e2; margin-top: 4rem; padding: 2rem 0; font-size: .92rem; }
.site-footer a { color: #dbe7f8; }
.site-footer .fineprint { font-size: .8rem; color: #8fa3c2; margin-top: 1rem; }

details { border: 1px solid var(--borde); border-radius: 8px; padding: 12px 16px; margin: 10px 0; }
summary { font-weight: 600; cursor: pointer; color: var(--azul); }