:root{
  --navy:#0f3d5e;
  --navy2:#0f3d5e;
  --turquoise:#00a6c8;
  --turquoise2:#3be2ef;
  --red:#ff6b6b;
  --white:#ffffff;
  --soft:#f4f8fb;
  --text:#163149;
  --muted:#6d7f91;
  --border:rgba(15,61,94,.14);
  --shadow:0 24px 70px rgba(7,29,51,.15);
}

*{box-sizing:border-box}

body{
  margin:0;
  font-family:Inter,system-ui,sans-serif;
  background:white;
  color:var(--text);
  line-height:1.65;
}

a{text-decoration:none;color:inherit}

.container{
  width:min(1180px,calc(100% - 40px));
  margin:auto;
}

.narrow{
  width:min(880px,calc(100% - 40px));
  margin:auto;
}

.site-header{
  position:sticky;
  top:0;
  z-index:80;
  background:rgba(7,29,51,.94);
  backdrop-filter:blur(14px);
}

.nav{
  min-height:78px;
  display:flex;
  justify-content:space-between;
  align-items:center;
}

.brand{
  display:flex;
  align-items:center;
  gap:12px;
  color:white;
  font-weight:900;
}

.brand strong{color:var(--turquoise2)}

.brand-mark{
  width:44px;
  height:44px;
  border-radius:14px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg,var(--turquoise),var(--turquoise2));
  color:#052033;
  font-weight:950;
}

.menu{
  display:flex;
  gap:20px;
  align-items:center;
  color:rgba(255,255,255,.8);
}

.menu a.active,
.menu a:hover{
  color:white;
}

.nav-cta{
  padding:11px 17px;
  border-radius:999px;
  background:linear-gradient(135deg,var(--turquoise),var(--turquoise2));
  color:#052033 !important;
  font-weight:900;
}

.menu-btn{
  display:none;
  border:0;
  background:transparent;
  color:white;
  font-size:28px;
}

.hero{
  position:relative;
  overflow:hidden;
  color:white;
  padding:100px 0 92px;
  background:
  radial-gradient(circle at 82% 16%, rgba(255,107,107,.22), transparent 30%),
  radial-gradient(circle at 18% 82%, rgba(59,226,239,.22), transparent 28%),
  linear-gradient(135deg,#051628,#0f3d5e,#0f3d5e);
}

.hero-pattern{
  position:absolute;
  inset:0;
  opacity:.24;
  background-image:
  linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px),
  linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size:44px 44px;
}

.hero-grid{
  position:relative;
  display:grid;
  grid-template-columns:1.08fr .92fr;
  gap:58px;
  align-items:center;
}

.kicker{
  color:var(--turquoise2);
  text-transform:uppercase;
  letter-spacing:.13em;
  font-weight:900;
  font-size:13px;
  margin-bottom:15px;
}

.kicker.dark{color:var(--navy2)}

h1,h2,h3{
  line-height:1.1;
  margin:0 0 18px;
}

h1{
  font-size:clamp(42px,6vw,72px);
  letter-spacing:-2px;
}

h2{
  font-size:clamp(32px,4vw,52px);
}

.hero-copy p{
  font-size:20px;
  color:rgba(255,255,255,.82);
}

.hero-actions{
  display:flex;
  gap:14px;
  margin-top:32px;
  flex-wrap:wrap;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:15px 24px;
  border-radius:999px;
  font-weight:900;
}

.primary{
  background:linear-gradient(135deg,var(--turquoise),var(--turquoise2));
  color:#052033;
}

.ghost{
  border:1px solid rgba(255,255,255,.22);
  color:white;
}

.white{
  background:white;
  color:var(--navy);
}

.hero-tags{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin-top:28px;
}

.hero-tags span{
  padding:8px 12px;
  border-radius:999px;
  background:rgba(255,255,255,.07);
  border:1px solid rgba(255,255,255,.12);
  font-size:13px;
}

.visual-card{
  border:1px solid rgba(255,255,255,.16);
  background:rgba(255,255,255,.11);
  border-radius:32px;
  padding:30px;
  backdrop-filter:blur(18px);
}

.card-head small{
  display:block;
  color:rgba(255,255,255,.62);
}

.card-head strong{
  display:block;
  font-size:28px;
  margin-top:5px;
}

.debt-chart{
  position:relative;
  height:250px;
  margin:34px 0;
  border-radius:24px;
  background:rgba(2,12,22,.28);
}

.line{
  position:absolute;
  left:30px;
  right:30px;
  height:4px;
  border-radius:999px;
}

.line.red{
  top:140px;
  transform:rotate(-10deg);
  background:var(--red);
}

.line.blue{
  top:170px;
  transform:rotate(-28deg);
  background:var(--turquoise2);
}

.legend{
  display:flex;
  gap:22px;
  margin-bottom:20px;
  color:rgba(255,255,255,.75);
}

.legend i{
  width:10px;
  height:10px;
  display:inline-block;
  border-radius:50%;
  margin-right:7px;
}

.legend .r{background:var(--red)}
.legend .b{background:var(--turquoise2)}

.section{
  padding:98px 0;
}

.section p{
  color:var(--muted);
  font-size:18px;
}

.intro{
  text-align:center;
}

.dark-section{
  background:var(--navy);
  color:white;
}

.dark-section p{
  color:rgba(255,255,255,.72);
}

.section-head{
  text-align:center;
  max-width:890px;
  margin:auto auto 48px;
}

.risk-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:20px;
}

.risk-card{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.10);
  border-radius:26px;
  padding:28px;
}

.number{
  display:inline-flex;
  width:46px;
  height:46px;
  border-radius:15px;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg,var(--turquoise),var(--turquoise2));
  color:#052033;
  font-weight:950;
  margin-bottom:18px;
}

.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:60px;
  align-items:center;
}

.reverse{
  direction:rtl;
}

.reverse>*{
  direction:ltr;
}

.text-link{
  display:inline-block;
  margin-top:14px;
  color:var(--navy2);
  font-weight:900;
}

.anatocismo-card{
  background:white;
  border:1px solid var(--border);
  border-radius:30px;
  padding:30px;
  box-shadow:var(--shadow);
}

.flow-step{
  background:#f7fbfd;
  border:1px solid #e3edf4;
  border-radius:18px;
  padding:20px;
  text-align:center;
  font-weight:800;
}

.flow-step.highlight{
  background:#fff1f1;
}

.flow-step.final{
  background:#eefbff;
}

.arrow{
  text-align:center;
  font-size:24px;
  color:var(--navy2);
  padding:8px;
}

.soft-section{
  background:var(--soft);
}

.analysis-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.analysis-card{
  background:white;
  border:1px solid var(--border);
  border-radius:26px;
  padding:28px;
  box-shadow:0 18px 45px rgba(7,29,51,.07);
}

.comparison-card{
  background:white;
  border:1px solid var(--border);
  border-radius:30px;
  padding:30px;
  box-shadow:var(--shadow);
}

.compare-row{
  border:1px solid #e3edf4;
  background:#f7fbfd;
  border-radius:18px;
  padding:20px;
  margin-bottom:16px;
}

.compare-row.highlight{
  background:#eefbff;
}

.compare-row span{
  display:block;
  font-size:13px;
  color:var(--muted);
  margin-bottom:4px;
}

.compare-row strong{
  color:var(--navy);
}

.faq{
  background:var(--soft);
}

details{
  background:white;
  border:1px solid var(--border);
  border-radius:18px;
  padding:22px 24px;
  margin-bottom:14px;
}

summary{
  cursor:pointer;
  font-weight:900;
  color:var(--navy);
}

.final-cta{
  padding:90px 0;
  color:white;
  background:
  radial-gradient(circle at 18% 25%, rgba(59,226,239,.26), transparent 30%),
  linear-gradient(135deg,var(--navy),var(--navy2));
}

.final-box{
  max-width:840px;
  text-align:center;
}

.final-box p{
  color:rgba(255,255,255,.78);
  font-size:20px;
}

.final-box small{
  display:block;
  margin-top:16px;
  color:rgba(255,255,255,.58);
}

.footer{
  background: #f4f8fb;
  color:#0f3d5e;
  padding:38px 0;
}

.footer-grid{
  display:flex;
  justify-content:space-between;
  gap:30px;
}

.footer-links a{
  display:inline-block;
  margin-left:18px;
}

@media(max-width:1050px){

  .risk-grid,
  .analysis-grid{
    grid-template-columns:repeat(2,1fr);
  }

}

@media(max-width:900px){

  .menu-btn{display:block}

  .menu{
    position:absolute;
    top:78px;
    left:0;
    right:0;
    background:var(--navy);
    display:none;
    flex-direction:column;
    padding:22px;
  }

  .menu.open{display:flex}

  .hero-grid,
  .split{
    grid-template-columns:1fr;
  }

  .risk-grid,
  .analysis-grid{
    grid-template-columns:1fr;
  }

  .footer-grid{
    flex-direction:column;
  }

  .footer-links a{
    margin-left:0;
    margin-right:18px;
  }

}