/* ===== RESET & BASE ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    color: #333; line-height: 1.6; background: #fff;
    -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; transition: color 0.2s; }
ul { list-style: none; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

/* ===== DISCLAIMER BAR (CRÍTICO) ===== */
.disclaimer-bar {
    background: #1c1c1c;
    color: #ccc;
    padding: 10px 0;
    font-size: 0.78rem;
    line-height: 1.5;
    position: relative;
    z-index: 1001;
}
.disclaimer-bar .container {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}
.disclaimer-bar svg { flex-shrink: 0; margin-top: 2px; }
.disclaimer-bar strong { color: #f0c040; }

/* ===== HEADER ===== */
.header {
    background: #fff;
    padding: 12px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 1px 3px rgba(0,0,0,0.08);
    border-bottom: 1px solid #e8ecf1;
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}
.logo-text {
    font-size: 1.35rem;
    font-weight: 800;
    color: #0D2137;
    line-height: 1;
}
.logo-sub {
    font-size: 0.62rem;
    font-weight: 400;
    color: #64748b;
    display: block;
    letter-spacing: 0.3px;
}
.nav { flex: 1; }
.nav-list {
    display: flex;
    gap: 4px;
    justify-content: center;
}
.nav-list a {
    color: #475569;
    font-weight: 500;
    font-size: 0.88rem;
    padding: 8px 12px;
    border-radius: 8px;
    transition: all 0.2s;
}
.nav-list a:hover { color: #1a3a6b; background: #f1f5f9; }
.menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    flex-direction: column;
    gap: 5px;
}
.menu-toggle span {
    display: block; width: 24px; height: 2.5px;
    background: #1a3a6b; border-radius: 2px;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 24px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 0.9rem;
    cursor: pointer;
    transition: all 0.25s;
    border: 2px solid transparent;
}
.btn-primary {
    background: #1a3a6b;
    color: #fff;
    border-color: #1a3a6b;
}
.btn-primary:hover {
    background: #0D2137;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(13,33,55,0.3);
}
.btn-outline-light {
    background: transparent;
    color: #475569;
    border: 2px solid #cbd5e1;
}
.btn-outline-light:hover {
    background: #f1f5f9;
    border-color: #94a3b8;
}

/* ===== HERO ===== */
.hero {
    background: linear-gradient(160deg, #0D2137 0%, #1a3a6b 40%, #2c5aa0 100%);
    color: #fff;
    padding: 70px 0 80px;
    position: relative;
    overflow: hidden;
    text-align: center;
}
.hero-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 20% 80%, rgba(240,192,64,0.08) 0%, transparent 50%),
        radial-gradient(circle at 80% 20%, rgba(44,90,160,0.2) 0%, transparent 50%);
}
.hero-content { position: relative; z-index: 2; max-width: 750px; margin: 0 auto; }
.hero-badge {
    display: inline-block;
    background: rgba(240,192,64,0.15);
    color: #f0c040;
    padding: 6px 18px;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 20px;
    border: 1px solid rgba(240,192,64,0.3);
}
.hero h1 {
    font-size: 2.6rem;
    font-weight: 800;
    margin-bottom: 16px;
    line-height: 1.15;
}
.hero p {
    font-size: 1.1rem;
    color: #b0bec5;
    margin-bottom: 28px;
}
.hero-notice {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(240,192,64,0.2);
    padding: 14px 24px;
    border-radius: 12px;
    font-size: 0.85rem;
    color: #e2e8f0;
    text-align: left;
    max-width: 650px;
}
.hero-notice svg { flex-shrink: 0; }

/* ===== SECTIONS ===== */
.content-section { padding: 70px 0; }
.content-section.alt-bg { background: #f8fafc; }

.section-title {
    font-size: 1.9rem;
    font-weight: 800;
    color: #0D2137;
    margin-bottom: 8px;
    text-align: center;
}
.section-subtitle {
    color: #64748b;
    font-size: 1rem;
    margin-bottom: 40px;
    text-align: center;
}

/* ===== CONTENT GRID ===== */
.content-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 40px;
    align-items: start;
}
.content-text p {
    color: #475569;
    font-size: 1rem;
    margin-bottom: 14px;
    line-height: 1.7;
}
.info-cards { display: flex; flex-direction: column; gap: 16px; }
.info-card {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: #fff;
    border: 1px solid #e8ecf1;
    border-radius: 14px;
    padding: 20px;
    transition: all 0.2s;
}
.info-card:hover { border-color: #1a3a6b; box-shadow: 0 4px 15px rgba(13,33,55,0.06); }
.info-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: #f1f5f9;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.info-card h4 { color: #0D2137; font-size: 1rem; margin-bottom: 4px; }
.info-card p { color: #64748b; font-size: 0.88rem; margin: 0; }

/* ===== NOTICE & WARNING BOXES ===== */
.notice-box {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    background: #fef2f2;
    border: 1px solid #fecaca;
    border-radius: 14px;
    padding: 20px 24px;
    margin-bottom: 32px;
}
.notice-box.info {
    background: #eff6ff;
    border-color: #bfdbfe;
    margin-top: 32px;
    margin-bottom: 0;
}
.notice-box svg { flex-shrink: 0; margin-top: 2px; }
.notice-box p { color: #475569; font-size: 0.92rem; margin: 0; line-height: 1.6; }

.warning-box {
    background: #fffbeb;
    border: 1px solid #fde68a;
    border-radius: 14px;
    padding: 24px;
    margin-top: 32px;
}
.warning-box h4 { color: #92400e; margin-bottom: 8px; font-size: 1rem; }
.warning-box p { color: #78350f; font-size: 0.92rem; margin: 0; line-height: 1.6; }

/* ===== PAYMENT GRID ===== */
.payment-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.payment-card {
    background: #fff;
    border: 1px solid #e8ecf1;
    border-radius: 16px;
    padding: 28px 24px;
    position: relative;
    transition: all 0.3s;
}
.payment-card:hover { border-color: #1a3a6b; box-shadow: 0 8px 25px rgba(13,33,55,0.06); }
.payment-number {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: #1a3a6b;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.95rem;
    margin-bottom: 16px;
}
.payment-card h3 { color: #0D2137; font-size: 1.1rem; margin-bottom: 10px; }
.payment-card p { color: #475569; font-size: 0.9rem; line-height: 1.6; margin-bottom: 14px; }
.payment-tag {
    display: inline-block;
    padding: 4px 14px;
    border-radius: 50px;
    font-size: 0.78rem;
    font-weight: 600;
}
.payment-tag.benefit { background: #dcfce7; color: #166534; }
.payment-tag.warning { background: #fef3c7; color: #92400e; }
.payment-tag.neutral { background: #f1f5f9; color: #475569; }

/* ===== COMPARISON ===== */
.comparison-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}
.comparison-card {
    background: #fff;
    border: 2px solid #e8ecf1;
    border-radius: 20px;
    padding: 32px 28px;
}
.comparison-card.has-tag { border-color: #27ae60; }
.comparison-card.no-tag { border-color: #e74c3c; }
.comparison-card h3 {
    font-size: 1.3rem;
    color: #0D2137;
    margin-bottom: 20px;
    text-align: center;
}
.comparison-card ul li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid #f1f5f9;
    color: #475569;
    font-size: 0.95rem;
}
.comparison-card ul li:last-child { border-bottom: none; }
.comparison-card ul li svg { flex-shrink: 0; }

/* ===== EXEMPTIONS ===== */
.exemption-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}
.exemption-card {
    background: #fff;
    border: 1px solid #e8ecf1;
    border-radius: 14px;
    padding: 24px 20px;
    text-align: center;
    transition: all 0.2s;
}
.exemption-card:hover { border-color: #1a3a6b; }
.exemption-card h4 { color: #0D2137; margin-bottom: 8px; font-size: 1rem; }
.exemption-card p { color: #64748b; font-size: 0.85rem; margin-bottom: 12px; line-height: 1.5; }

/* ===== FAQ ===== */
.faq-list { max-width: 750px; margin: 0 auto; }
.faq-item {
    border: 1px solid #e8ecf1;
    border-radius: 14px;
    margin-bottom: 12px;
    overflow: hidden;
    transition: border-color 0.3s;
}
.faq-item:hover { border-color: #cbd5e1; }
.faq-item.active { border-color: #1a3a6b; }
.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
    text-align: left;
}
.faq-question span { font-size: 0.98rem; font-weight: 600; color: #0D2137; }
.faq-question svg { flex-shrink: 0; color: #94a3b8; transition: transform 0.3s; }
.faq-item.active .faq-question svg { transform: rotate(180deg); color: #1a3a6b; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item.active .faq-answer { max-height: 300px; }
.faq-answer p {
    padding: 0 24px 18px;
    color: #475569;
    font-size: 0.92rem;
    line-height: 1.7;
}

/* ===== ABOUT ===== */
.about-box { max-width: 800px; margin: 0 auto; }
.about-text h3 { color: #0D2137; font-size: 1.2rem; margin: 28px 0 12px; }
.about-text h3:first-child { margin-top: 0; }
.about-text p { color: #475569; font-size: 0.98rem; margin-bottom: 12px; line-height: 1.7; }
.not-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    color: #475569;
    font-size: 0.95rem;
    border-bottom: 1px solid #f1f5f9;
}
.not-list li:last-child { border-bottom: none; }
.not-list li svg { flex-shrink: 0; }
.company-info {
    background: #f8fafc;
    border: 1px solid #e8ecf1;
    border-radius: 14px;
    padding: 24px 28px;
    margin-top: 16px;
}
.company-info li {
    padding: 8px 0;
    font-size: 0.92rem;
    color: #475569;
    border-bottom: 1px solid #e8ecf1;
}
.company-info li:last-child { border-bottom: none; }
.company-info li strong { color: #0D2137; }

/* ===== CONTACT ===== */
.contact-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.contact-card {
    background: #fff;
    padding: 32px 24px;
    border-radius: 16px;
    border: 1px solid #e8ecf1;
    text-align: center;
    transition: all 0.3s;
}
.contact-card:hover { border-color: #1a3a6b; box-shadow: 0 8px 25px rgba(13,33,55,0.06); }
.contact-card.highlight {
    border-color: #fecaca;
    background: #fef2f2;
    text-align: left;
}
.contact-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: #f1f5f9;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}
.contact-card.highlight .contact-icon { margin: 0 0 16px 0; }
.contact-card h3 { color: #0D2137; margin-bottom: 12px; font-size: 1.05rem; }
.contact-card p { color: #64748b; margin-bottom: 6px; font-size: 0.9rem; }
.contact-card a { color: #1a3a6b; font-weight: 600; }
.contact-card a:hover { color: #f0c040; }
.contact-detail { font-size: 0.8rem !important; color: #94a3b8 !important; }
.official-links {
    margin-top: 10px;
    list-style: disc;
    padding-left: 20px;
}
.official-links li {
    color: #64748b;
    font-size: 0.88rem;
    margin-bottom: 4px;
}

/* ===== FOOTER ===== */
.footer {
    background: #0D2137;
    color: #94a3b8;
    padding: 50px 0 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 36px;
}
.footer .logo-text { color: #f0c040; margin-bottom: 12px; display: block; }
.footer-col p { font-size: 0.85rem; margin-bottom: 6px; line-height: 1.6; }
.footer-col h4 {
    color: #fff;
    margin-bottom: 16px;
    font-size: 0.88rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { font-size: 0.85rem; }
.footer-col ul li a:hover { color: #f0c040; }
.footer-bottom {
    text-align: center;
    padding: 20px 0;
    margin-top: 36px;
    border-top: 1px solid rgba(255,255,255,0.08);
}
.footer-bottom p { font-size: 0.8rem; color: #64748b; margin-bottom: 6px; }
.footer-disclaimer {
    font-size: 0.75rem !important;
    color: #475569 !important;
    max-width: 700px;
    margin: 0 auto;
    line-height: 1.5 !important;
}

/* ===== COOKIE BANNER ===== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: #fff;
    padding: 16px 20px;
    z-index: 9999;
    box-shadow: 0 -4px 30px rgba(0,0,0,0.1);
    border-top: 1px solid #e8ecf1;
}
.cookie-content {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
}
.cookie-content p { flex: 1; font-size: 0.85rem; color: #475569; }
.cookie-content a { color: #1a3a6b; font-weight: 600; text-decoration: underline; }
.cookie-buttons { display: flex; gap: 10px; }

/* ===== LEGAL PAGES ===== */
.legal-page { padding: 70px 0; }
.legal-updated { text-align: center; color: #94a3b8; font-size: 0.85rem; margin-bottom: 36px; }
.legal-content { max-width: 780px; margin: 0 auto; }
.legal-content h3 { color: #0D2137; font-size: 1.15rem; margin: 30px 0 10px; padding-top: 12px; border-top: 1px solid #e8ecf1; }
.legal-content h3:first-child { border-top: none; margin-top: 0; }
.legal-content h4 { color: #1a3a6b; font-size: 1rem; margin: 18px 0 8px; }
.legal-content p { color: #475569; font-size: 0.92rem; margin-bottom: 10px; line-height: 1.7; }
.legal-content ul { margin: 8px 0 14px 20px; list-style: disc; }
.legal-content ul li { color: #475569; font-size: 0.9rem; margin-bottom: 5px; line-height: 1.6; }
.legal-content a { color: #1a3a6b; text-decoration: underline; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .exemption-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .menu-toggle { display: flex; }
    .nav-list {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 60px;
        left: 0;
        right: 0;
        background: #fff;
        padding: 16px 24px;
        gap: 4px;
        box-shadow: 0 8px 30px rgba(0,0,0,0.1);
    }
    .nav-list.active { display: flex; }
    .hero h1 { font-size: 1.8rem; }
    .hero { padding: 50px 0 60px; }
    .content-grid { grid-template-columns: 1fr; }
    .payment-grid { grid-template-columns: 1fr; }
    .comparison-grid { grid-template-columns: 1fr; }
    .exemption-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .section-title { font-size: 1.5rem; }
    .disclaimer-bar { font-size: 0.72rem; }
    .hero-notice { flex-direction: column; text-align: center; }
    .cookie-content { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
    .hero h1 { font-size: 1.5rem; }
}