:root{
  --navy:#092b3f;--navy-2:#0e3b54;--navy-3:#15536f;--gold:#d7a33e;--gold-2:#f0c66b;
  --ink:#17242d;--muted:#5f6f79;--soft:#eef4f6;--soft-2:#f7f9fa;--white:#fff;
  --line:#dbe4e8;--green:#14734b;--red:#9d3030;--shadow:0 18px 55px rgba(9,43,63,.11);
  --radius:18px;--radius-sm:12px;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}img,svg{max-width:100%;display:block}button,input,select,textarea{font:inherit}
.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;color:#000;padding:.7rem 1rem;z-index:999}.skip-link:focus{left:8px}
.container{width:min(var(--max),92%);margin-inline:auto}.narrow{width:min(820px,92%);margin-inline:auto}
.topbar{background:#061e2d;color:#d9e7ed;font-size:.86rem}.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:1rem}.topbar a{font-weight:750;color:#fff}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(219,228,232,.85)}
.header-inner{height:78px;display:flex;align-items:center;justify-content:space-between;gap:1.4rem}.brand{display:flex;align-items:center;gap:.75rem;min-width:210px}.brand-mark{width:44px;height:44px;border-radius:12px;background:linear-gradient(145deg,var(--navy),var(--navy-3));position:relative;box-shadow:0 10px 24px rgba(9,43,63,.18)}.brand-mark:before{content:"";position:absolute;left:10px;right:10px;bottom:10px;height:17px;border:2px solid var(--gold-2);border-top:0}.brand-mark:after{content:"";position:absolute;left:8px;top:10px;width:28px;height:16px;border-left:2px solid var(--gold-2);border-top:2px solid var(--gold-2);transform:skewY(-24deg)}
.brand-copy strong{display:block;color:var(--navy);font-size:1.02rem;line-height:1.15}.brand-copy span{display:block;color:var(--muted);font-size:.69rem;text-transform:uppercase;letter-spacing:.09em;margin-top:.18rem}
.main-nav{display:flex;align-items:center;gap:.25rem}.main-nav a{padding:.72rem .72rem;border-radius:9px;font-weight:720;font-size:.92rem;color:#29404e}.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--soft);color:var(--navy)}
.header-cta{display:inline-flex;align-items:center;justify-content:center;padding:.78rem 1rem;border-radius:10px;background:var(--gold);color:#132632;font-weight:850;white-space:nowrap;box-shadow:0 8px 22px rgba(215,163,62,.25)}
.menu-button{display:none;border:0;background:var(--soft);color:var(--navy);width:44px;height:44px;border-radius:10px;font-size:1.35rem;cursor:pointer}
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#eef5f7 0%,#fff 58%,#f8f0df 100%);padding:84px 0 72px}.hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;border:1px solid rgba(14,59,84,.08);right:-170px;top:-220px;box-shadow:0 0 0 70px rgba(14,59,84,.025),0 0 0 140px rgba(215,163,62,.025)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.12fr .88fr;gap:4.6rem;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:.55rem;color:var(--navy-3);font-size:.78rem;text-transform:uppercase;letter-spacing:.13em;font-weight:900}.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}
h1,h2,h3,h4{color:var(--navy);line-height:1.13;margin:0 0 .8rem;letter-spacing:-.025em}h1{font-size:clamp(2.55rem,5.4vw,5.05rem);max-width:820px;margin-top:.8rem}h2{font-size:clamp(2rem,3.5vw,3.35rem)}h3{font-size:1.28rem}h4{font-size:1.05rem}.lead{font-size:1.17rem;color:#405460;max-width:760px}.hero .lead{font-size:clamp(1.08rem,1.7vw,1.28rem);max-width:690px}.highlight{color:var(--navy-3)}
.actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.65rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.88rem 1.15rem;border-radius:11px;border:1px solid transparent;font-weight:850;cursor:pointer;transition:.18s ease}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--gold);color:#132632;box-shadow:0 10px 24px rgba(215,163,62,.24)}.btn-secondary{background:var(--navy);color:#fff}.btn-outline{background:#fff;border-color:#aac0ca;color:var(--navy)}.btn-ghost{background:transparent;border-color:var(--line);color:var(--navy)}
.trust-row{display:flex;flex-wrap:wrap;gap:.65rem 1.1rem;margin-top:1.8rem;color:#37505f;font-size:.94rem;font-weight:700}.trust-row span:before{content:"✓";display:inline-grid;place-items:center;width:21px;height:21px;border-radius:50%;background:#dff1e8;color:var(--green);font-size:.78rem;margin-right:.4rem}
.hero-panel{background:#fff;border:1px solid rgba(219,228,232,.9);border-radius:24px;padding:1.35rem;box-shadow:var(--shadow);position:relative}.hero-panel-top{background:linear-gradient(145deg,var(--navy),var(--navy-2));color:#fff;border-radius:17px;padding:1.45rem}.hero-panel-top h3{color:#fff;font-size:1.42rem}.hero-panel-top p{color:#dbe9ef;margin:.4rem 0 0}.metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-top:.95rem}.metric{border:1px solid var(--line);border-radius:13px;padding:1rem}.metric small{display:block;color:var(--muted);font-weight:650}.metric strong{display:block;color:var(--navy);font-size:1.12rem;margin-top:.18rem}.panel-note{font-size:.82rem;color:var(--muted);margin:.9rem .2rem 0}
.building-art{height:158px;margin-top:1rem;position:relative;overflow:hidden;border-radius:14px;background:linear-gradient(#e8f1f4,#f9fbfb)}.building-art .ground{position:absolute;height:2px;background:#9eb5bf;left:6%;right:6%;bottom:24px}.building-art .tower{position:absolute;bottom:25px;background:#fff;border:2px solid #8da9b5;border-bottom:0}.building-art .tower:after{content:"";position:absolute;inset:11px;background:repeating-linear-gradient(90deg,transparent 0 12px,#bdd0d7 12px 14px),repeating-linear-gradient(0deg,transparent 0 15px,#d8e4e8 15px 17px)}.building-art .a{left:11%;width:31%;height:91px}.building-art .b{left:40%;width:45%;height:121px}.building-art .roof{position:absolute;left:39%;bottom:146px;width:47%;height:2px;background:var(--gold);transform:skewX(-18deg)}
section{padding:78px 0}.section-soft{background:var(--soft-2)}.section-navy{background:var(--navy);color:#dbe7ed}.section-navy h2,.section-navy h3{color:#fff}.section-navy .lead{color:#c5d6df}.section-head{max-width:780px;margin-bottom:2.2rem}.section-head.center{text-align:center;margin-inline:auto;margin-bottom:2.7rem}.section-head.center .eyebrow{justify-content:center}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.25rem}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.55rem;box-shadow:0 8px 26px rgba(9,43,63,.045)}.card p{color:var(--muted);margin-bottom:0}.card-link{display:block;height:100%;transition:.18s ease}.card-link:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#bfd0d7}.card-number{font-size:.78rem;font-weight:900;color:var(--navy-3);background:var(--soft);border-radius:999px;padding:.28rem .62rem;display:inline-block;margin-bottom:1rem}.card-icon{width:48px;height:48px;border-radius:14px;background:var(--soft);display:grid;place-items:center;color:var(--navy);font-size:1.25rem;font-weight:900;margin-bottom:1rem}.arrow-link{display:inline-flex;gap:.4rem;align-items:center;color:var(--navy-3);font-weight:850;margin-top:1.05rem}.arrow-link:after{content:"→"}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}.check-list{list-style:none;padding:0;margin:1.25rem 0 0}.check-list li{position:relative;padding-left:2rem;margin:.75rem 0;color:#40515c}.check-list li:before{content:"✓";position:absolute;left:0;top:.04rem;width:22px;height:22px;border-radius:50%;background:#dff1e8;color:var(--green);display:grid;place-items:center;font-size:.76rem;font-weight:900}.x-list li:before{content:"×";background:#f8e5e5;color:var(--red)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}.compare-col{border-radius:18px;padding:1.55rem;border:1px solid var(--line);background:#fff}.compare-col.bad{background:#fff9f9}.compare-col.good{background:#f6fcf8;border-color:#cae5d5}.compare-title{display:flex;align-items:center;gap:.65rem;font-size:1.05rem;font-weight:900;color:var(--navy)}
.steps{counter-reset:steps}.step{position:relative;padding:1.5rem 1.5rem 1.5rem 5rem;min-height:150px}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:1.35rem;top:1.35rem;width:46px;height:46px;border-radius:14px;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:1.12rem;font-weight:900}.step small{color:var(--navy-3);font-weight:800;text-transform:uppercase;letter-spacing:.07em}
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.stat-item{padding:1.45rem;border-right:1px solid var(--line)}.stat-item:last-child{border-right:0}.stat-item strong{display:block;color:var(--navy);font-size:1.28rem}.stat-item span{color:var(--muted);font-size:.9rem}
.cta-box{background:linear-gradient(135deg,var(--navy),#0f4662);color:#fff;border-radius:25px;padding:2.3rem 2.5rem;display:flex;align-items:center;justify-content:space-between;gap:2rem;box-shadow:var(--shadow)}.cta-box h2{color:#fff;font-size:clamp(1.8rem,3vw,2.75rem)}.cta-box p{color:#d4e4eb;margin-bottom:0;max-width:700px}
.page-hero{padding:64px 0;background:linear-gradient(120deg,#eef5f7,#fff 68%,#faf3e5)}.page-hero h1{font-size:clamp(2.35rem,5vw,4.25rem)}.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:1rem}.breadcrumb a{color:var(--navy-3);font-weight:750}.page-intro{max-width:840px}.kicker{display:inline-flex;padding:.3rem .65rem;border-radius:999px;background:#e8f1f4;color:var(--navy-3);font-size:.78rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.content-layout{display:grid;grid-template-columns:270px minmax(0,1fr);gap:2.2rem;align-items:start}.side-nav{position:sticky;top:100px;border:1px solid var(--line);border-radius:16px;background:#fff;padding:.7rem}.side-nav strong{display:block;padding:.7rem .75rem;color:var(--navy)}.side-nav a{display:block;padding:.68rem .75rem;border-radius:9px;color:#455a66;font-weight:700;font-size:.92rem}.side-nav a:hover,.side-nav a.active{background:var(--soft);color:var(--navy)}.prose{max-width:850px}.prose h2{font-size:clamp(1.75rem,3vw,2.5rem);margin-top:2.4rem}.prose h3{margin-top:1.8rem}.prose p,.prose li{color:#43545e}.prose ul,.prose ol{padding-left:1.3rem}.callout{border-left:5px solid var(--gold);background:#fff9ed;border-radius:0 13px 13px 0;padding:1.1rem 1.25rem;margin:1.5rem 0;color:#564827}.warning{border-color:#c55b5b;background:#fff6f6;color:#6b3232}.success{border-color:#2a8a5f;background:#f3fbf6;color:#285f47}
.info-table{width:100%;border-collapse:collapse;border:1px solid var(--line);border-radius:13px;overflow:hidden;margin:1.2rem 0}.info-table th,.info-table td{text-align:left;padding:.85rem 1rem;border-bottom:1px solid var(--line)}.info-table th{background:var(--soft);color:var(--navy);width:34%}.info-table tr:last-child th,.info-table tr:last-child td{border-bottom:0}
.faq details{border:1px solid var(--line);border-radius:13px;background:#fff;margin:.75rem 0;padding:0 1rem}.faq summary{cursor:pointer;padding:1rem 2rem 1rem 0;font-weight:850;color:var(--navy);position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:0;top:.75rem;font-size:1.45rem;color:var(--navy-3)}.faq details[open] summary:after{content:"−"}.faq details p{margin-top:0;color:var(--muted)}
.calc-shell{display:grid;grid-template-columns:.9fr 1.1fr;gap:1.4rem}.calc-form,.calc-result{border:1px solid var(--line);border-radius:20px;padding:1.5rem;background:#fff}.field{margin-bottom:1rem}.field label{display:flex;justify-content:space-between;gap:1rem;font-weight:800;color:var(--navy);margin-bottom:.42rem}.field small{color:var(--muted);font-weight:500}.field input,.field select,.field textarea{width:100%;border:1px solid #cbd8de;border-radius:10px;padding:.86rem .9rem;background:#fff;color:var(--ink);outline:none}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy-3);box-shadow:0 0 0 3px rgba(21,83,111,.1)}.field textarea{min-height:125px;resize:vertical}.result-main{background:var(--navy);color:#fff;border-radius:16px;padding:1.35rem;margin-bottom:1rem}.result-main span{display:block;color:#bdd1db;font-size:.88rem}.result-main strong{display:block;font-size:clamp(2rem,4vw,3.2rem);line-height:1.05;margin-top:.3rem}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.result-item{background:var(--soft-2);border:1px solid var(--line);border-radius:12px;padding:.9rem}.result-item span{display:block;color:var(--muted);font-size:.82rem}.result-item strong{display:block;color:var(--navy);font-size:1.05rem;margin-top:.2rem}.range-note{font-size:.84rem;color:var(--muted)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.form-card{border:1px solid var(--line);border-radius:20px;padding:1.6rem;background:#fff}.form-status{display:none;margin-top:1rem;border-radius:10px;padding:.8rem 1rem;background:#eef8f2;color:var(--green);font-weight:750}.contact-card{background:var(--navy);color:#fff;border-radius:20px;padding:1.7rem}.contact-card h3{color:#fff}.contact-card p,.contact-card li{color:#d2e0e7}.contact-list{list-style:none;padding:0}.contact-list li{padding:.6rem 0;border-bottom:1px solid rgba(255,255,255,.13)}
.article-card .meta{color:var(--muted);font-size:.84rem;margin-bottom:.7rem}.tag{display:inline-flex;padding:.27rem .58rem;border-radius:999px;background:var(--soft);color:var(--navy-3);font-size:.75rem;font-weight:850}.article-body{max-width:820px;margin-inline:auto}.article-body h2{font-size:2rem;margin-top:2.4rem}.article-body p,.article-body li{color:#42545f}.article-meta{display:flex;gap:.7rem;flex-wrap:wrap;color:var(--muted);font-size:.88rem;margin:1rem 0 2rem}
.profile{display:grid;grid-template-columns:.72fr 1.28fr;gap:2.4rem;align-items:center}.profile-visual{border-radius:24px;background:linear-gradient(145deg,#dcebef,#f9f6ec);min-height:420px;display:grid;place-items:center;position:relative;overflow:hidden}.profile-avatar{width:190px;height:190px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:4rem;font-weight:900;border:10px solid rgba(255,255,255,.6);box-shadow:var(--shadow)}.profile-visual:after{content:"Asesoría personal · Costa Rica";position:absolute;bottom:24px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.55rem .85rem;color:var(--navy);font-size:.82rem;font-weight:850}
.legal{font-size:.92rem;color:var(--muted)}.legal a,.article-body .callout a{color:var(--navy-3);font-weight:800;text-decoration:underline;text-underline-offset:2px}
.site-footer{background:#061e2d;color:#d4e2e9;padding:55px 0 24px}.footer-grid{display:grid;grid-template-columns:1.25fr .75fr .75fr .75fr;gap:2rem}.site-footer h3,.site-footer h4{color:#fff}.site-footer a{display:block;color:#c9d9e1;padding:.23rem 0}.site-footer a:hover{color:#fff}.footer-brand{max-width:360px}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:2.2rem;padding-top:1rem;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;color:#9fb4bf;font-size:.84rem}
.mobile-bar{display:none;position:fixed;z-index:120;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 25px rgba(9,43,63,.1);grid-template-columns:repeat(3,1fr)}.mobile-bar a{padding:.72rem .3rem;text-align:center;color:var(--navy);font-size:.75rem;font-weight:850}.mobile-bar a span{display:block;font-size:1.1rem;line-height:1}
@media(max-width:1050px){.main-nav a{padding:.65rem .45rem;font-size:.86rem}.header-cta{display:none}.hero-grid{gap:2.4rem}.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){body{padding-bottom:62px}.topbar-inner{justify-content:center}.topbar-inner span:first-child{display:none}.header-inner{height:70px}.menu-button{display:grid;place-items:center}.main-nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-bottom:1px solid var(--line);padding:.75rem 4% 1rem;flex-direction:column;align-items:stretch;box-shadow:0 14px 24px rgba(9,43,63,.08)}.main-nav.open{display:flex}.main-nav a{padding:.8rem}.hero{padding:58px 0}.hero-grid,.split,.calc-shell,.profile,.content-layout{grid-template-columns:1fr}.hero-panel{margin-top:.8rem}.grid-3{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr}.stat-strip{grid-template-columns:1fr 1fr}.stat-item:nth-child(2){border-right:0}.stat-item:nth-child(-n+2){border-bottom:1px solid var(--line)}.side-nav{position:static}.cta-box{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}.mobile-bar{display:grid}}
@media(max-width:540px){.container{width:min(94%,var(--max))}.brand-copy span{display:none}.brand{min-width:auto}.hero h1{font-size:2.55rem}.metric-grid,.result-grid,.form-grid,.compare,.stat-strip,.footer-grid,.grid-4{grid-template-columns:1fr}.stat-item{border-right:0!important;border-bottom:1px solid var(--line)!important}.stat-item:last-child{border-bottom:0!important}.actions .btn{width:100%}.cta-box{padding:1.6rem}.page-hero{padding:50px 0}.article-body h2{font-size:1.65rem}}