:root{--navy:#294B64;--navy2:#1D3A50;--navy3:#132A3B;--teal:#2C9D8F;--teal2:#21786D;--tealL:#7FE0D3;--tealS:#E6F4F2;--bg:#F4F7F9;--card:#fff;--txt:#1A2B38;--mute:#5B6B78;--line:#DCE4EA;--wa:#25D366;--err:#B42318}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--txt);font:400 16px/1.65 Montserrat,system-ui,-apple-system,sans-serif;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:var(--teal2)}
img{max-width:100%;height:auto}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}
.angosto{max-width:780px}
h1,h2,h3{font-weight:800;letter-spacing:-.01em;line-height:1.2;margin:0;color:var(--navy)}
h2{font-size:28px}
h3{font-size:19px}
.centro{text-align:center}
.subt{color:var(--mute);max-width:660px;margin:10px auto 32px}
.label{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
section{padding:60px 0}
.blanco{background:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;font-family:inherit;font-weight:700;font-size:16px;line-height:1.2;border:0;border-radius:12px;padding:15px 24px;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn.pri{background:var(--teal);color:#fff;box-shadow:0 10px 26px rgba(44,157,143,.3)}
.btn.pri:hover{background:var(--teal2)}
.btn.sec{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn.out{background:#fff;color:var(--navy);border:1.5px solid var(--line)}
.btn.wa{background:var(--wa);color:#06210f}
/* header */
.top{background:var(--navy);position:sticky;top:0;z-index:40}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.top .logo img{height:38px;width:auto;display:block}
.menu{display:flex;align-items:center;gap:22px}
.menu a{color:#fff;text-decoration:none;font-size:15px;font-weight:600;opacity:.9}
.menu a:hover,.menu a.on{opacity:1;color:var(--tealL)}
.menu .btn{padding:10px 16px;font-size:14px;opacity:1}
.menu .btn:hover{color:#fff}
.hamb{display:none;background:none;border:0;color:#fff;cursor:pointer;padding:8px}
.hamb svg{width:28px;height:28px}
@media(max-width:899px){
 .hamb{display:block}
 .menu{position:fixed;inset:66px 0 auto 0;background:var(--navy2);flex-direction:column;align-items:stretch;gap:0;padding:8px 16px 18px;transform:translateY(-130%);transition:transform .25s;box-shadow:0 20px 40px rgba(0,0,0,.25)}
 .menu.abierto{transform:none}
 .menu a{padding:13px 4px;border-bottom:1px solid rgba(255,255,255,.08);font-size:16px}
 .menu .btn{margin-top:12px;border-bottom:0;padding:14px}
}
/* hero */
.hero{background:radial-gradient(1100px 480px at 85% -10%,rgba(44,157,143,.35),transparent 60%),linear-gradient(180deg,var(--navy),var(--navy2));color:#fff;padding:48px 0 60px}
.hero h1{color:#fff;font-size:34px;margin:12px 0 16px}
.hero h1 em{font-style:normal;color:var(--tealL)}
.hero .label{color:var(--tealL)}
.hero .lead{font-size:18px;color:#D3DEE6;margin:0 0 24px;max-width:640px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px}
.migas{font-size:13px;color:#B9C8D3;margin-bottom:6px}
.migas a{color:#B9C8D3;text-decoration:none}
.migas a:hover{color:#fff}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 24px;padding:0;list-style:none}
.chips li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:30px;padding:6px 12px;font-size:13px;font-weight:600}
.chips li::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--tealL);margin-right:8px;vertical-align:middle}
/* tarjetas */
.grid{display:grid;gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 1px 2px rgba(19,42,59,.04),0 10px 30px rgba(19,42,59,.06)}
.card h3{margin:12px 0 6px}
.card p{margin:0;color:var(--mute);font-size:15px}
a.card{text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .2s,border-color .2s}
a.card:hover{transform:translateY(-3px);border-color:var(--teal)}
a.card .mas{margin-top:auto;padding-top:14px;color:var(--teal2);font-weight:700;font-size:14px}
.card.destacada{border:2px solid var(--teal);background:linear-gradient(180deg,var(--tealS),#fff 55%)}
.tag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--teal);border-radius:20px;padding:3px 10px}
.ico{width:46px;height:46px;border-radius:12px;background:var(--tealS);display:flex;align-items:center;justify-content:center;flex:none}
.ico svg{width:24px;height:24px}
.num{width:38px;height:38px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.bloque-t{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-bottom:22px}
/* listas con palomita */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.checks li::before{content:"\2713";flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px}
.checks b{color:var(--navy)}
/* contenido largo */
.prosa{max-width:780px;margin:0 auto}
.prosa h2{font-size:26px;margin:36px 0 12px}
.prosa h3{font-size:19px;margin:26px 0 8px}
.prosa p,.prosa li{color:#2E3F4C}
.prosa ul,.prosa ol{padding-left:22px}
.prosa li{margin:6px 0}
.nota-art{background:var(--tealS);border-radius:12px;padding:14px 16px;color:var(--teal2);font-size:14px;margin:0 0 24px}
/* instituciones */
.inst{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;max-width:900px;margin:0 auto}
.inst span{background:#fff;border:1px solid var(--line);border-radius:30px;padding:9px 15px;font-weight:600;color:var(--navy);font-size:14px}
/* confianza */
.conf{background:linear-gradient(180deg,var(--navy),var(--navy3));color:#fff}
.conf h2,.conf h3{color:#fff}
.conf .subt{color:#C5D3DD}
.conf .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);box-shadow:none}
.conf .card p{color:#C5D3DD}
.conf .ico{background:rgba(127,224,211,.14)}
.partner{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:24px;margin-top:30px}
.partner>img{height:56px;width:auto;opacity:.92}
.abh{background:#fff;border-radius:12px;padding:10px 14px;display:inline-flex}
.abh img{height:72px;width:auto;display:block}
/* faq */
.faq{max-width:780px;margin:0 auto}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin-bottom:10px}
summary{font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--teal);font-size:22px;line-height:1}
details[open] summary::after{content:"\2212"}
details p{color:var(--mute);margin:10px 0 0}
/* contacto */
.contacto{background:linear-gradient(180deg,var(--bg),#E3EEF1)}
.contacto .grid{align-items:start}
.caja{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 20px 60px rgba(19,42,59,.08)}
.campo{margin:0 0 14px}
.campo label{display:block;font-weight:600;color:var(--navy);margin:0 0 6px;font-size:15px}
.campo input,.campo select,.campo textarea{width:100%;font:inherit;padding:12px 13px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--txt)}
.campo textarea{min-height:110px;resize:vertical}
.campo input:focus,.campo select:focus,.campo textarea:focus{outline:2px solid var(--teal);outline-offset:1px}
.campo.mal input,.campo.mal select,.campo.mal textarea{border-color:var(--err);background:#fff6f5}
.doble{display:grid;gap:12px}
.trampa{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.legal{color:var(--mute);font-size:12px;margin:12px 0 0}
.ok-msg{display:none;background:var(--tealS);color:var(--teal2);border-radius:12px;padding:16px;font-weight:600}
.err-msg{display:none;color:var(--err);font-size:14px;margin:10px 0 0}
.datos p{margin:0 0 14px;color:var(--mute)}
.datos b{color:var(--navy);display:block}
/* cierre */
.final{background:linear-gradient(135deg,var(--navy),var(--navy3));color:#fff;text-align:center}
.final h2{color:#fff}
.final p{color:#C5D3DD;margin:10px auto 24px;max-width:600px}
footer{background:var(--navy3);color:#9FB3C2;font-size:14px;padding:40px 0 90px}
footer .cols{display:grid;gap:26px}
footer h4{color:#fff;font-size:14px;margin:0 0 10px;letter-spacing:.06em;text-transform:uppercase}
footer a{color:#C5D3DD;text-decoration:none;display:block;margin:5px 0}
footer a:hover{color:#fff}
footer .legal2{border-top:1px solid rgba(255,255,255,.1);margin-top:26px;padding-top:18px;font-size:12px;line-height:1.6}
footer img{height:36px;width:auto;margin-bottom:10px}
/* flotantes */
.wa-flota{position:fixed;right:16px;bottom:16px;width:56px;height:56px;border-radius:50%;background:var(--wa);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 30px rgba(0,0,0,.25);z-index:30}
.wa-flota svg{width:30px;height:30px}
/* blog */
.posts{display:grid;gap:16px}
.posts .card h3{font-size:18px}
.cat{font-size:12px;font-weight:700;color:var(--teal2);text-transform:uppercase;letter-spacing:.08em}
.rv{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}
@media(min-width:700px){.grid.c2{grid-template-columns:repeat(2,1fr)}.grid.c3{grid-template-columns:repeat(3,1fr)}.doble{grid-template-columns:1fr 1fr}h2{font-size:34px}.posts{grid-template-columns:repeat(2,1fr)}footer .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}}
@media(min-width:1000px){.grid.c4{grid-template-columns:repeat(4,1fr)}.grid.c3{grid-template-columns:repeat(3,1fr)}.hero{padding:76px 0 84px}.hero h1{font-size:48px}section{padding:80px 0}footer{padding-bottom:40px}.posts{grid-template-columns:repeat(3,1fr)}.contacto .grid{grid-template-columns:1fr 1.2fr}}
@media(min-width:700px) and (max-width:999px){.grid.c4{grid-template-columns:repeat(2,1fr)}}
.post{padding:0;overflow:hidden}
.post .mini{display:block;width:100%;aspect-ratio:3/2;object-fit:cover;transition:transform .4s}
.post:hover .mini{transform:scale(1.04)}
.post .cat,.post h3,.post p,.post .mas{margin-left:20px;margin-right:20px}
.post .cat{margin-top:16px;display:block}
.post .mas{margin-bottom:20px}
.prosa .portada{display:block;width:100%;height:auto;border-radius:16px;margin:0 0 22px;box-shadow:0 20px 50px rgba(19,42,59,.15)}

.hero .wrap.con-ilus{display:grid;gap:28px;align-items:center}
.ilus{max-width:460px;width:100%;margin:0 auto}
.ilus svg{width:100%;height:auto;display:block;overflow:visible}
@media(min-width:900px){.hero .wrap.con-ilus{grid-template-columns:1.15fr .85fr}}
.i-flota{animation:i-flota 6s ease-in-out infinite;transform-box:fill-box}
.i-flota-lenta{animation:i-flota 9s ease-in-out infinite}
.i-pulso{animation:i-pulso 7s ease-in-out infinite;transform-origin:210px 190px}
.i-moneda{animation:i-moneda 5s ease-in-out infinite;transform-box:fill-box;transform-origin:center}
.i-llave{animation:i-llave 5s ease-in-out infinite;transform-box:fill-box;transform-origin:center}
.i-barra{animation:i-barra 3.2s ease-in-out infinite;transform-box:fill-box;transform-origin:bottom}
.i-tarjeta{animation:i-tarjeta 4.5s ease-in-out infinite}
.i-grua{animation:i-grua 8s ease-in-out infinite;transform-origin:100px 76px}
.i-colgante{animation:i-colgante 4s ease-in-out infinite;transform-box:fill-box;transform-origin:top}
.i-sube{animation:i-sube 6s ease-in-out infinite;transform-box:fill-box;transform-origin:bottom}
.i-dibuja{stroke-dasharray:420;stroke-dashoffset:420;animation:i-dibuja 2.4s ease-out .3s forwards}
path.i-dibuja[stroke-dasharray="6 8"]{stroke-dashoffset:0;animation:i-flujo 2s linear infinite}
@keyframes i-flota{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
@keyframes i-pulso{0%,100%{opacity:.75;transform:scale(1)}50%{opacity:1;transform:scale(1.05)}}
@keyframes i-moneda{0%,100%{transform:translateY(0) rotateY(0)}50%{transform:translateY(-14px) rotateY(180deg)}}
@keyframes i-llave{0%,100%{transform:rotate(-8deg) translateY(0)}50%{transform:rotate(10deg) translateY(-8px)}}
@keyframes i-barra{0%,100%{transform:scaleY(.6)}50%{transform:scaleY(1)}}
@keyframes i-tarjeta{0%,15%{transform:translateY(-30px);opacity:0}35%,60%{transform:translateY(0);opacity:1}80%,100%{transform:translateY(46px);opacity:0}}
@keyframes i-grua{0%,100%{transform:rotate(0)}50%{transform:rotate(-4deg)}}
@keyframes i-colgante{0%,100%{transform:rotate(-5deg)}50%{transform:rotate(5deg)}}
@keyframes i-sube{0%{transform:scaleY(.35)}60%,100%{transform:scaleY(1)}}
@keyframes i-dibuja{to{stroke-dashoffset:0}}
@keyframes i-flujo{to{stroke-dashoffset:-28}}
.card .ico{transition:transform .3s}
a.card:hover .ico{transform:rotate(-6deg) scale(1.08)}

/* ---- componentes ---- */
.hero{position:relative;padding-bottom:110px}
.hero .ola{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:60px}
.hero::before{content:"";position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28'%3E%3Cpath d='M0 0h56M0 14h56M28 0v14M0 14v14M56 14v14' stroke='%23FFFFFF' stroke-opacity='.05' fill='none'/%3E%3C/svg%3E");pointer-events:none}
.hero .wrap{position:relative}
.ladrillo{background-color:var(--bg);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28'%3E%3Cpath d='M0 0h56M0 14h56M28 0v14M0 14v14M56 14v14' stroke='%23294B64' stroke-opacity='.06' fill='none'/%3E%3C/svg%3E")}
.rv{transition-delay:var(--d,0ms)}
/* tarjetas de producto */
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;text-decoration:none;color:inherit;box-shadow:0 1px 2px rgba(19,42,59,.04),0 12px 32px rgba(19,42,59,.07);transition:transform .25s,box-shadow .25s,border-color .25s}
.pcard:hover{transform:translateY(-6px);box-shadow:0 24px 50px rgba(19,42,59,.16);border-color:transparent}
.pcard-top{position:relative;height:110px;background:linear-gradient(135deg,var(--navy),var(--teal2));display:flex;align-items:center;padding:0 22px;overflow:hidden}
.pcard.destacada .pcard-top{background:linear-gradient(135deg,var(--teal2),var(--teal))}
.pcard-deco{position:absolute;inset:0;width:100%;height:100%;transition:transform .6s}
.pcard:hover .pcard-deco{transform:scale(1.15) translateX(-6px)}
.pcard-ico .ico{width:58px;height:58px;border-radius:16px;background:rgba(255,255,255,.14);backdrop-filter:blur(4px);position:relative;transition:transform .35s}
.pcard-ico .ico svg{width:30px;height:30px}
.pcard:hover .pcard-ico .ico{transform:rotate(-8deg) scale(1.08)}
.pcard-top .tag{position:absolute;right:16px;top:16px;background:#fff;color:var(--teal2)}
.pcard-b{padding:20px 22px 22px;display:flex;flex-direction:column;flex:1}
.pcard-b h3{margin:0 0 6px}
.pcard-b p{margin:0;color:var(--mute);font-size:15px}
.pcard-b .mas{margin-top:auto;padding-top:16px;color:var(--teal2);font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:6px}
.pcard-b .mas svg{transition:transform .25s}
.pcard:hover .mas svg{transform:translateX(5px)}
/* cifras */
.cifras{padding:0;margin-top:-56px;position:relative;z-index:3;background:transparent}
.cifras-g{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;background:#fff;border-radius:20px;padding:22px;box-shadow:0 24px 60px rgba(19,42,59,.14);border:1px solid var(--line)}
.cifra{text-align:center;padding:6px}
.cifra b{display:block;font-size:38px;line-height:1.1;font-weight:800;color:var(--navy)}
.cifra b .suf,.cifra b .pre{color:var(--teal)}
.cifra>span{color:var(--mute);font-size:14px;font-weight:600}
@media(min-width:800px){.cifras-g{grid-template-columns:repeat(4,1fr);padding:28px}.cifra+.cifra{border-left:1px solid var(--line)}}
/* linea de tiempo */
.tl{list-style:none;padding:0;margin:0 auto;max-width:760px;position:relative}
.tl-linea{position:absolute;left:22px;top:24px;bottom:24px;width:10px;height:calc(100% - 48px)}
.tl.in .tl-linea line{transition:stroke-dashoffset 1.8s ease;stroke-dashoffset:0}
.paso{display:flex;gap:18px;align-items:flex-start;margin:0 0 18px;position:relative}
.paso-n{flex:none;width:54px;height:54px;border-radius:50%;background:#fff;border:3px solid var(--teal);color:var(--teal2);font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 20px rgba(44,157,143,.25);position:relative;z-index:1;transition:background .4s,color .4s}
.paso.in .paso-n{background:var(--teal);color:#fff}
.paso>div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px;flex:1;box-shadow:0 10px 28px rgba(19,42,59,.06)}
.paso h3{margin:0 0 4px}
.paso p{margin:0;color:var(--mute);font-size:15px}
/* comparativa */
.comp{max-width:860px;margin:0 auto;overflow-x:auto;border-radius:18px;box-shadow:0 20px 50px rgba(19,42,59,.10);border:1px solid var(--line)}
.comp table{width:100%;border-collapse:collapse;background:#fff;min-width:560px}
.comp th,.comp td{padding:14px 16px;text-align:left;font-size:15px;border-bottom:1px solid var(--line)}
.comp thead th{background:var(--bg);font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--mute)}
.comp thead .si-h{background:var(--tealS)}
.comp tbody th{color:var(--navy);font-weight:700;width:28%}
.comp td span{display:inline-flex;width:22px;height:22px;border-radius:50%;align-items:center;justify-content:center;font-size:12px;font-weight:800;margin-right:8px;vertical-align:middle}
.comp .no{color:var(--mute)}.comp .no span{background:#FDECEC;color:#C0392B}
.comp .si{background:#F3FBF9;color:var(--navy);font-weight:600}.comp .si span{background:var(--teal);color:#fff}
.comp tr:last-child th,.comp tr:last-child td{border-bottom:0}
/* carrusel */
.marq{overflow:hidden;-webkit-mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);margin-top:12px}
.marq-t{display:flex;gap:12px;width:max-content;animation:marq 40s linear infinite}
.marq.inv .marq-t{animation-direction:reverse;animation-duration:48s}
.marq:hover .marq-t{animation-play-state:paused}
.marq span{background:#fff;border:1px solid var(--line);border-radius:40px;padding:12px 20px;font-weight:700;color:var(--navy);white-space:nowrap;box-shadow:0 4px 14px rgba(19,42,59,.05)}
@keyframes marq{to{transform:translateX(-50%)}}
/* mini calculadora */
.calc-sec{background:radial-gradient(800px 400px at 10% 0,rgba(44,157,143,.35),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy3));position:relative;overflow:hidden}
.calc-sec::after{content:"";position:absolute;right:-80px;bottom:-80px;width:300px;height:300px;border-radius:50%;border:40px solid rgba(127,224,211,.08);animation:pulso 8s ease-in-out infinite}
.calc-g{display:grid;gap:28px;align-items:center;position:relative;z-index:1}
.calc-c{background:#fff;border-radius:20px;padding:24px;box-shadow:0 30px 60px rgba(0,0,0,.3)}
.calc-c label{font-weight:700;color:var(--navy)}
.calc-c output{display:block;font-size:26px;font-weight:800;color:var(--txt);margin:4px 0 6px}
.calc-c input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:8px;background:linear-gradient(var(--teal),var(--teal)) 0/var(--p,6%) 100% no-repeat,#DCE4EA;margin:10px 0 16px}
.calc-c input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--teal);box-shadow:0 4px 12px rgba(19,42,59,.25);cursor:pointer}
.calc-c input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--teal);cursor:pointer}
.calc-r{background:var(--tealS);border-radius:14px;padding:14px 16px;margin-bottom:14px}
.calc-r small{display:block;color:var(--teal2);font-weight:600}
.calc-r b{font-size:34px;color:var(--teal2);font-weight:800;transition:transform .2s}
.calc-r.no{background:#FFF5E0}.calc-r.no small,.calc-r.no b{color:#8A5A00}.calc-r.no b{font-size:17px}
.calc-c .btn{width:100%}
.calc-n{font-size:12px;color:var(--mute);margin:10px 0 0}
@media(min-width:900px){.calc-g{grid-template-columns:1fr 1fr}}
@keyframes pulso{0%,100%{transform:scale(1)}50%{transform:scale(1.08)}}
/* beneficios */
.bcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
.bcard::after{content:"";position:absolute;right:-30px;top:-30px;width:90px;height:90px;border-radius:50%;background:var(--tealS);transition:transform .4s}
.bcard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(19,42,59,.12)}
.bcard:hover::after{transform:scale(1.6)}
.bcard .ico{position:relative;z-index:1}
.bcard h3{margin:14px 0 6px;position:relative;z-index:1}
.bcard p{margin:0;color:var(--mute);font-size:15px;position:relative;z-index:1}
/* confianza con fondo */
.conf{position:relative;overflow:hidden}
.conf::before{content:"";position:absolute;left:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(44,157,143,.35),transparent 70%);animation:pulso 9s ease-in-out infinite}
.conf .wrap{position:relative}
/* aparicion */
.rv{opacity:0;transform:translateY(22px)}
.rv.in{opacity:1;transform:none}
.pcard.rv,.bcard.rv{transform:translateY(28px) scale(.98)}
.pcard.rv.in,.bcard.rv.in{transform:none}
.pcard.rv.in:hover{transform:translateY(-6px)}
.bcard.rv.in:hover{transform:translateY(-4px)}
/* boton flotante celular */
.cta-movil{position:fixed;left:16px;right:84px;bottom:16px;z-index:29;transition:transform .3s,opacity .3s}
.cta-movil .btn{width:100%;padding:15px 12px}
.cta-movil.off{transform:translateY(120px);opacity:0;pointer-events:none}
@media(min-width:900px){.cta-movil{display:none}}
@media(prefers-reduced-motion:reduce){.marq-t{animation:none}}