:root{--graphite:#33373d;--blue:#163564;--cyan:#2c98c4;--yellow:#f9b51b;--ink:#172033;--muted:#667085;--line:#d9dbde;--bg:#eeeff0}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.5 Montserrat,Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.logo{width:190px}.hero{background:#11264f;color:#fff}.hero>img{width:100%;height:auto}.hero-copy{padding:56px 0 66px}.eyebrow{margin:0 0 12px;color:var(--cyan);font-size:.78rem;font-weight:800;text-transform:uppercase}.hero h1{font-size:clamp(2.7rem,5.5vw,5rem);line-height:1.02;margin:0 0 20px}.hero p{max-width:720px;color:#e4e6e9;font-size:1.2rem;margin:0}.section{padding:82px 0}.section.alt{background:var(--bg) url('../assets/fondo-gris.webp') center/cover}.section-head{max-width:720px;margin-bottom:38px}.section h1,.section h2{font-size:clamp(2rem,3.6vw,3.1rem);line-height:1.1;margin:0 0 15px}.section p{color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{padding:28px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--cyan)}.card:nth-child(even){border-top-color:var(--yellow)}.card h3{font-size:1.3rem;margin:0 0 9px;color:var(--graphite)}.card p{margin:0}.split{display:grid;grid-template-columns:1fr .85fr;gap:70px;align-items:center}.check-list{list-style:none;padding:0;margin:24px 0}.check-list li{position:relative;padding:7px 0 7px 27px}.check-list li:before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:900}.panel{padding:38px;background:var(--graphite);color:#fff;border-left:6px solid var(--yellow)}.panel h3{font-size:1.7rem;margin:0 0 10px}.panel p{color:#e4e6e9;margin:0 0 22px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;background:var(--yellow);color:#101828;border:0;border-radius:6px;font-weight:800;cursor:pointer}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.step{border-left:4px solid var(--yellow);padding-left:16px}.step span{display:block;color:var(--blue);font-weight:800;font-size:.8rem}.step h3{font-size:1.1rem;margin:8px 0 6px}.step p{margin:0;color:var(--muted)}.form{display:grid;gap:16px}.form label{display:grid;gap:6px;font-weight:700}.form input,.form textarea{width:100%;padding:12px;border:1px solid #bcc8d6;border-radius:5px;font:inherit}.form textarea{resize:vertical}footer{background:#24272b;color:#b9c6d6;padding:50px 0 25px}@media(max-width:850px){.nav{height:68px}.logo{width:155px}.grid,.split,.steps{grid-template-columns:1fr}}@media(max-width:520px){.wrap{width:min(100% - 28px,1160px)}.hero-copy,.section{padding-top:55px;padding-bottom:55px}.grid{grid-template-columns:1fr}}
@media(max-width:520px){.hero-copy{padding-top:36px;padding-bottom:40px}}
.section.blue{background:#11264f;color:#fff}.section.blue p{color:#d6e0ee}.section.blue .eyebrow{color:#7bd6f5}.section.blue .check-list li:before{color:var(--yellow)}.section.blue .panel{background:var(--bg) url('../assets/fondo-gris.webp') center/cover;color:var(--ink)}.section.blue .panel p{color:var(--muted)}
.rating-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:32px;align-items:stretch}
.rating-card{display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding:40px;background:#11264f;color:#fff;border-top:6px solid var(--yellow)}
.rating-card .eyebrow{color:#7bd6f5}.rating-card p{color:#d6e0ee;margin:8px 0 24px}
.rating-score{font-size:clamp(4rem,8vw,6rem);font-weight:900;font-style:italic;line-height:1}
.rating-stars{color:var(--yellow);font-size:1.8rem;letter-spacing:4px;margin-top:8px}
.rating-quotes{display:grid;gap:16px}
.review{margin:0;padding:22px 24px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--cyan)}
.review p{margin:0 0 10px;color:var(--ink)}.review cite{font-style:normal;font-weight:700;color:var(--muted);font-size:.9rem}
@media(max-width:850px){.rating-layout{grid-template-columns:1fr}.rating-card{padding:28px}}