* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        :root {
            --verde-primary: #1d4488;
            --verde-light: #4a869d;
            --verde-soft: #E8F5E9;
            --rojo-accent: #C62828;
            --blanco: #FFFFFF;
            --gris-claro: #F5F5F5;
            --gris-texto: #424242;
        }

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            color: var(--gris-texto);
            line-height: 1.6;
        }

        /* HEADER */
        header {
            background: var(--blanco);
            box-shadow: 0 2px 10px rgba(0,0,0,0.1);
            position: sticky;
            top: 0;
            z-index: 1000;
        }

        nav {
            max-width: 1200px;
            margin: 0 auto;
            padding: 1rem 2rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .logo {
            font-size: 1.8rem;
            font-weight: bold;
            color: var(--verde-primary);
        }

        .logo-item {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            font-size: 1.5rem;
            font-weight: bold;
            color: var(--verde-primary);
        }

        .logo-item img {
            height: 40px;
            width: auto;
        }

        .nav-menu {
            display: flex;
            list-style: none;
            gap: 2rem;
        }

        .nav-menu a {
            text-decoration: none;
            color: var(--gris-texto);
            font-weight: 500;
            transition: color 0.3s;
        }

        .nav-menu a:hover {
            color: var(--verde-primary);
        }

        .menu-toggle {
            display: none;
            flex-direction: column;
            background: none;
            border: none;
            cursor: pointer;
        }

        .menu-toggle span {
            width: 25px;
            height: 3px;
            background: var(--verde-primary);
            margin: 3px 0;
            transition: 0.3s;
        }

        /* HERO SECTION */
        .hero {
            position: relative;
            height: 85vh;
            display: flex;
            align-items: center;
            justify-content: center;
            overflow: hidden;
        }

        .hero-video {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            object-fit: cover;
        }

        .hero-overlay {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: linear-gradient(135deg, rgba(45, 95, 63, 0.85), rgba(74, 157, 111, 0.75));
        }

        .hero-content {
            position: relative;
            z-index: 2;
            text-align: center;
            color: var(--blanco);
            max-width: 1200px;
            padding: 0 2rem;
        }

        .hero-content h1 {
            font-size: 3.5rem;
            margin-bottom: 1rem;
            animation: fadeInUp 0.8s ease-out;
        }

        .hero-content > p {
            font-size: 1.5rem;
            margin-bottom: 3rem;
            animation: fadeInUp 0.8s ease-out 0.2s backwards;
        }

        .hero-features {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 2rem;
            animation: fadeInUp 0.8s ease-out 0.4s backwards;
        }

        .feature-box {
            background: rgba(255, 255, 255, 0.95);
            padding: 2rem;
            border-radius: 15px;
            color: var(--gris-texto);
            transition: transform 0.3s;
        }

        .feature-box:hover {
            transform: translateY(-10px);
        }

        .feature-box h3 {
            color: var(--verde-primary);
            margin-bottom: 0.5rem;
            font-size: 1.4rem;
        }

        @keyframes fadeInUp {
            from {
                opacity: 0;
                transform: translateY(30px);
            }
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }

        /* QUIENES SOMOS */
        .quienes-somos {
            padding: 5rem 2rem;
            background: var(--blanco);
        }

        .content-wrapper {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 4rem;
            align-items: center;
        }

        .text-content h2 {
            color: var(--verde-primary);
            font-size: 2.5rem;
            margin-bottom: 1.5rem;
        }

        .text-content p {
            font-size: 1.1rem;
            margin-bottom: 2rem;
            color: var(--gris-texto);
        }

        .stats-grid {
            display: grid;
            gap: 1.5rem;
        }

        .stat-box {
            background: var(--verde-soft);
            padding: 1.5rem;
            border-radius: 10px;
            border-left: 4px solid var(--verde-primary);
        }

        .stat-box h3 {
            color: var(--verde-primary);
            margin-bottom: 0.5rem;
        }

        .image-content img {
            width: 100%;
            border-radius: 15px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.1);
        }

        /* SIMULADOR + FORMULARIO - OPTIMIZADO */
        .simulador-section {
            background: var(--verde-soft);
            padding: 5rem 2rem;
        }

        .simulador-container {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
        }

        .form-box, .simulator-box {
            background: var(--blanco);
            padding: 2.5rem;
            border-radius: 15px;
            box-shadow: 0 5px 20px rgba(0,0,0,0.1);
        }

        .form-box h3, .simulator-box h3 {
            color: var(--verde-primary);
            margin-bottom: 1.5rem;
            font-size: 1.8rem;
        }

        .form-group {
            margin-bottom: 1.5rem;
        }

        .form-group label {
            display: block;
            margin-bottom: 0.5rem;
            color: var(--verde-primary);
            font-weight: 500;
        }

        .form-group input,
        .form-group select,
        .form-group textarea {
            width: 100%;
            padding: 0.8rem;
            border: 2px solid var(--verde-soft);
            border-radius: 8px;
            font-size: 1rem;
            transition: border-color 0.3s;
        }

        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: var(--verde-primary);
        }

        .form-group textarea {
            resize: vertical;
            min-height: 100px;
        }

        .submit-btn {
            width: 100%;
            padding: 1rem;
            background: var(--rojo-accent);
            color: var(--blanco);
            border: none;
            border-radius: 8px;
            font-size: 1.1rem;
            font-weight: bold;
            cursor: pointer;
            transition: background 0.3s;
        }

        .submit-btn:hover {
            background: #A41E1E;
        }

        .input-group {
            margin-bottom: 1.5rem;
        }

        .monto-q {
            display: block;
            margin-bottom: 0.5rem;
            color: var(--verde-primary);
            font-weight: 500;
        }

        .año {
            width: 100%;
            padding: 0.8rem;
            border: 2px solid var(--verde-soft);
            border-radius: 8px;
            font-size: 1rem;
            transition: border-color 0.3s;
            appearance: none;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 4 5'%3E%3Cpath fill='%232D5F3F' d='M2 0L0 2h4zm0 5L0 3h4z'/%3E%3C/svg%3E");
            background-repeat: no-repeat;
            background-position: right .75rem center;
            background-size: 8px 10px;
            background-color: white;
        }

        .año:focus {
            outline: none;
            border-color: var(--verde-primary);
        }

        .results-container {
            background: var(--verde-soft);
            padding: 2rem;
            border-radius: 10px;
            margin-top: 2rem;
        }

        .result-item {
            margin-bottom: 1.5rem;
        }

        .result-item h4 {
            color: var(--verde-primary);
            margin-bottom: 0.5rem;
        }

        .amount {
            font-size: 2rem;
            font-weight: bold;
            color: var(--verde-primary);
        }

        .breakdown {
            margin-top: 1rem;
            padding-top: 1rem;
            border-top: 2px solid var(--verde-primary);
        }

        .breakdown-item {
            display: flex;
            justify-content: space-between;
            margin-bottom: 0.8rem;
        }

        .breakdown-item .value {
            font-weight: bold;
            color: var(--verde-primary);
        }

        /* PRUEBA SOCIAL */
        .social-proof {
            background: var(--verde-primary);
            color: var(--blanco);
            padding: 4rem 2rem;
            text-align: center;
        }

        .social-proof h3 {
            font-size: 2rem;
            margin-bottom: 3rem;
        }

        .proof-stats {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 2rem;
        }

        .proof-stat {
            padding: 2rem;
        }

        .proof-number {
            display: block;
            font-size: 2.5rem;
            font-weight: bold;
            margin-bottom: 0.5rem;
        }

        /* SERVICIOS SECTION */
        .services-section {
            padding: 5rem 2rem;
            background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
        }

        .services-container {
            max-width: 1200px;
            margin: 0 auto;
        }

        .services-container h3 {
            color: #1e4d2b;
            font-size: 3rem;
            text-align: center;
            margin-bottom: 1rem;
        }

        .services-subtitle {
            text-align: center;
            color: #666;
            font-size: 1.3rem;
            margin-bottom: 4rem;
        }

        .services-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 2.5rem;
        }

        .service-card {
            background: white;
            border-radius: 20px;
            overflow: hidden;
            box-shadow: 0 10px 35px rgba(0,0,0,0.1);
            transition: all 0.4s;
            position: relative;
            border: 2px solid transparent;
        }

        .service-card:hover {
            transform: translateY(-15px);
            box-shadow: 0 20px 50px rgba(255,51,51,0.3);
            border-color: #ff3333;
        }

        .service-badge {
            position: absolute;
            top: 15px;
            right: 15px;
            background: #ff3333;
            color: white;
            padding: 0.6rem 1.5rem;
            font-size: 0.85rem;
            font-weight: bold;
            border-radius: 25px;
            z-index: 10;
            box-shadow: 0 4px 15px rgba(255,51,51,0.5);
            animation: blink 2s infinite;
        }

        @keyframes blink {
            0%, 100% { opacity: 1; }
            50% { opacity: 0.7; }
        }

        .service-card img {
            width: 100%;
            height: 220px;
            object-fit: cover;
            transition: all 0.4s;
        }

        .service-card:hover img {
            transform: scale(1.1);
        }

        .service-content {
            padding: 2rem;
        }

        .service-content h4 {
            color: #1e4d2b;
            font-size: 1.5rem;
            margin-bottom: 1rem;
        }

        .service-content p {
            color: #666;
            line-height: 1.7;
        }

        /* TABLA - OPTIMIZADA */
        .tabla-section {
            padding: 5rem 2rem;
            background: var(--gris-claro);
        }

        .tabla-section h2 {
            text-align: center;
            color: var(--verde-primary);
            font-size: 2.5rem;
            margin-bottom: 3rem;
        }

        .table-container {
            max-width: 1200px;
            margin: 0 auto;
            background: var(--blanco);
            padding: 2rem;
            border-radius: 15px;
            box-shadow: 0 5px 20px rgba(0,0,0,0.1);
            overflow-x: auto;
            -webkit-overflow-scrolling: touch;
        }

        .table-wrapper {
            min-width: 600px;
        }

        table {
            width: 100%;
            border-collapse: collapse;
        }

        thead {
            background: var(--verde-primary);
            color: var(--blanco);
        }

        th, td {
            padding: 1rem;
            text-align: left;
        }

        tbody tr:nth-child(even) {
            background: var(--verde-soft);
        }

        tbody tr:hover {
            background: #D0E8D8;
        }

        tr.alto td {
            background-color: #FFCDD2;
        }

        .table-note {
            margin-top: 2rem;
            padding: 1.5rem;
            background: var(--verde-soft);
            border-radius: 10px;
            border-left: 4px solid var(--verde-primary);
        }

        .table-note p {
            margin-bottom: 1rem;
        }

        /* SERVICIOS FINANCIEROS */
        .servicios {
            padding: 5rem 2rem;
            background: var(--blanco);
        }

        .servicios h2 {
            text-align: center;
            color: var(--verde-primary);
            font-size: 2.5rem;
            margin-bottom: 1rem;
        }

        .servicios-subtitle {
            text-align: center;
            font-size: 1.2rem;
            margin-bottom: 3rem;
            color: var(--gris-texto);
        }

        .service-image {
            height: 200px;
            overflow: hidden;
        }

        .service-image img {
            width: 100%;
            height: 100%;
            object-fit: cover;
        }

        /* TESTIMONIOS */
        .testimonials {
            padding: 5rem 2rem;
            background: var(--verde-soft);
        }

        .testimonials h2 {
            text-align: center;
            color: var(--verde-primary);
            font-size: 2.5rem;
            margin-bottom: 3rem;
        }

        .testimonials-grid {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 2rem;
        }

        .testimonial-card {
            background: var(--blanco);
            padding: 2rem;
            border-radius: 15px;
            box-shadow: 0 5px 20px rgba(0,0,0,0.1);
        }

        .testimonial-header {
            display: flex;
            align-items: center;
            margin-bottom: 1rem;
        }

        .testimonial-avatar {
            width: 60px;
            height: 60px;
            border-radius: 50%;
            background: var(--verde-primary);
            color: var(--blanco);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 1.5rem;
            font-weight: bold;
            margin-right: 1rem;
        }

        .testimonial-info h4 {
            color: var(--verde-primary);
            margin-bottom: 0.3rem;
        }

        .stars {
            color: #FFD700;
        }

        /* INFO FUNDAMENTAL */
        .info-fundamental {
            padding: 5rem 2rem;
            background: var(--blanco);
        }

        .info-fundamental h2 {
            text-align: center;
            color: var(--verde-primary);
            font-size: 2.5rem;
            margin-bottom: 3rem;
        }

        .info-content-wrapper {
            max-width: 1200px;
            margin: 0 auto;
        }

        .info-text {
            font-size: 1.1rem;
            text-align: center;
            margin-bottom: 3rem;
            line-height: 1.8;
        }

        .info-images {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 2rem;
            margin-bottom: 3rem;
        }

        .info-image img {
            width: 100%;
            border-radius: 15px;
            height: 300px;
            object-fit: cover;
        }

        .cta-button {
            text-align: center;
        }

        .btn-solicitar {
            display: inline-block;
            padding: 1.2rem 3rem;
            background: var(--rojo-accent);
            color: var(--blanco);
            text-decoration: none;
            border-radius: 50px;
            font-size: 1.2rem;
            font-weight: bold;
            transition: background 0.3s;
        }

        .btn-solicitar:hover {
            background: #A41E1E;
        }

        /* FOOTER */
        footer {
            background: var(--verde-primary);
            color: var(--blanco);
            padding: 3rem 2rem 1rem;
        }

        .footer-content {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
            margin-bottom: 2rem;
        }

        .footer-nav h3 {
            margin-bottom: 1rem;
            font-size: 1.5rem;
        }

        .footer-links {
            list-style: none;
        }

        .footer-links li {
            margin-bottom: 0.5rem;
        }

        .footer-links a {
            color: var(--blanco);
            text-decoration: none;
            transition: opacity 0.3s;
        }

        .footer-links a:hover {
            opacity: 0.7;
        }

        .footer-logos h4 {
            margin-bottom: 1rem;
        }

        .logos-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 1rem;
        }

        .footer-logos .logo-item {
            background: var(--blanco);
            padding: 1rem;
            border-radius: 10px;
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .footer-logos .logo-item img {
            max-width: 100%;
            height: 50px;
            object-fit: contain;
        }

        .footer-bottom {
            text-align: center;
            padding-top: 2rem;
            border-top: 1px solid rgba(255, 255, 255, 0.3);
        }

        /* RESPONSIVE MEJORADO */
        @media (max-width: 768px) {
            .menu-toggle {
                display: flex;
            }

            .nav-menu {
                position: absolute;
                top: 100%;
                left: 0;
                right: 0;
                background: var(--blanco);
                flex-direction: column;
                padding: 1rem 2rem;
                box-shadow: 0 5px 10px rgba(0,0,0,0.1);
                display: none;
            }

            .nav-menu.active {
                display: flex;
            }

            .hero-content h1 {
                font-size: 2rem;
            }

            .hero-content > p {
                font-size: 1.2rem;
            }

            /* Simulador y formulario centrados */
            .simulador-container {
                grid-template-columns: 1fr;
                gap: 2rem;
                padding: 0 1rem;
            }

            .form-box, .simulator-box {
                padding: 1.5rem;
                margin: 0 auto;
                max-width: 500px;
                width: 100%;
            }

            /* Tabla responsive */
            .table-container {
                padding: 1rem;
                border-radius: 10px;
            }

            .tabla-section h2 {
                font-size: 1.8rem;
                padding: 0 1rem;
            }

            table {
                font-size: 0.9rem;
            }

            th, td {
                padding: 0.8rem 0.5rem;
            }

            .table-note {
                padding: 1rem;
                font-size: 0.85rem;
            }

            .content-wrapper,
            .footer-content {
                grid-template-columns: 1fr;
            }

            .info-images {
                grid-template-columns: 1fr;
            }

            .input-group {
                width: 100%;
            }
        }

        /* RESPONSIVE EXTRA PEQUEÑO */
        @media (max-width: 480px) {
            .simulador-section {
                padding: 3rem 1rem;
            }

            .form-box, .simulator-box {
                padding: 1.2rem;
            }

            .form-box h3, .simulator-box h3 {
                font-size: 1.5rem;
            }

            .tabla-section {
                padding: 3rem 1rem;
            }

            .tabla-section h2 {
                font-size: 1.5rem;
            }

            table {
                font-size: 0.8rem;
            }

            th, td {
                padding: 0.6rem 0.4rem;
            }
        }