:root{--sea:#0b5e7a;--sea-d:#083f55;--sea-l:#e2f1f6;--sun:#f29f3d;--sun-l:#fff1dd;--ink:#1b2529;--mute:#5a6a70;--bg:#fafcfd;--card:#fff;--line:#d7e3e8;--ok:#1f8a5b}
@media (prefers-color-scheme:dark){:root{--sea:#6cc4de;--sea-d:#0a3040;--sea-l:#11303a;--sun:#f4b45c;--sun-l:#3a2c14;--ink:#e8f0f2;--mute:#a2b3b9;--bg:#0e171a;--card:#152227;--line:#29393f;--ok:#5fd0a0}}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--sea)}
.wrap{max-width:980px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
header.top{border-bottom:1px solid var(--line);background:var(--bg)}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:16px;padding-bottom:16px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.25rem;color:var(--sea);text-decoration:none;letter-spacing:-.01em}
.logo span{color:var(--sun)}
nav a{margin-left:18px;text-decoration:none;font-weight:600;font-size:.97rem}
nav a:first-child{margin-left:0}
.hero{background:linear-gradient(140deg,#0b5e7a,#083f55);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(242,159,61,.4),transparent 70%)}
.hero .wrap{position:relative;z-index:1}
.chip{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:4px 14px;font-size:.8rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase}
.hero h1{font-size:clamp(2rem,5.4vw,3.1rem);line-height:1.12;margin:16px 0 14px;max-width:720px}
.hero p{font-size:1.17rem;color:#d3e9f0;max-width:620px;margin:0 0 8px}
.hero .meta{font-size:.9rem;color:#a6cfdb}
.btn{display:inline-block;background:var(--sun);color:#1b2529;padding:14px 26px;border-radius:12px;font-weight:800;text-decoration:none;margin-top:18px;border:0;font-size:1rem;cursor:pointer}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5);margin-left:8px}
section{padding:48px 0}
section+section{border-top:1px solid var(--line)}
h2{font-size:1.7rem;line-height:1.25;margin:0 0 18px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;display:block;text-decoration:none;color:inherit}
a.card:hover{border-color:var(--sea)}
.card .tag{display:inline-block;font-size:.74rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--sun);margin-bottom:6px}
.card h3{margin:0 0 8px;color:var(--sea);font-size:1.15rem;line-height:1.3}
.card p{margin:0;color:var(--mute);font-size:.97rem}
.note{background:var(--sea-l);border-left:6px solid var(--sea);border-radius:12px;padding:16px 20px;margin:24px 0}
.note strong.t,.tip strong.t{display:block;text-transform:uppercase;font-size:.78rem;letter-spacing:.07em;margin-bottom:4px}
.note strong.t{color:var(--sea)}
.tip{background:var(--sun-l);border:1px solid var(--sun);border-radius:12px;padding:16px 20px;margin:24px 0}
.tip strong.t{color:#a2630a}
@media (prefers-color-scheme:dark){.tip strong.t{color:var(--sun)}}
article h2{margin-top:44px;scroll-margin-top:16px}
article p,article li{font-size:1.06rem}
.lead{font-size:1.2rem;color:var(--mute)}
.step{display:grid;grid-template-columns:56px 1fr;gap:16px;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;margin:16px 0}
.step .n{width:48px;height:48px;border-radius:14px;background:var(--sea);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.4rem}
@media (prefers-color-scheme:dark){.step .n{color:#0e171a}}
.step h3{margin:2px 0 6px;font-size:1.15rem}
.step p{margin:0;color:var(--mute)}
.tbl{overflow-x:auto;margin:22px 0}
.tbl table{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:12px;font-size:.96rem}
.tbl th{background:var(--sea);color:#fff;text-align:left;padding:10px 12px}
@media (prefers-color-scheme:dark){.tbl th{color:#0e171a}}
.tbl td{padding:9px 12px;border-top:1px solid var(--line)}
.tbl caption{caption-side:bottom;text-align:left;padding:8px 2px;font-size:.86rem;color:var(--mute)}
.ticks{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:10px;margin:22px 0}
.ticks li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:12px 14px 12px 42px;position:relative;font-size:.98rem}
.ticks li::before{content:"✓";position:absolute;left:14px;top:12px;width:20px;height:20px;border-radius:50%;background:var(--ok);color:#fff;display:grid;place-items:center;font-size:.78rem;font-weight:800}
.cta{background:linear-gradient(140deg,#0b5e7a,#083f55);color:#fff;border-radius:20px;padding:30px 26px;margin:44px 0 16px;text-align:center}
.cta h2{margin:0 0 8px;color:#fff;font-size:1.5rem}
.cta p{color:#d3e9f0;margin:0}
footer{padding:32px 0;border-top:1px solid var(--line);color:var(--mute);font-size:.92rem}
footer a{color:var(--mute)}
/* calculadora */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:22px;align-items:start}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px}
.panel h2{font-size:1.2rem;margin:0 0 14px;color:var(--sea)}
fieldset{border:0;padding:0;margin:0 0 18px}
legend{font-weight:800;font-size:.8rem;letter-spacing:.07em;text-transform:uppercase;color:var(--mute);padding:0;margin-bottom:8px}
.f{display:grid;grid-template-columns:1fr 130px;gap:10px;align-items:center;margin:8px 0}
.f label{font-size:.98rem}
.f small{display:block;color:var(--mute);font-size:.82rem}
input[type=number],input[type=text]{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);font:inherit;text-align:right}
input:focus{outline:2px solid var(--sea);outline-offset:1px}
.total{font-size:2.3rem;font-weight:800;color:var(--sea);line-height:1.1;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0}
.kpi{background:var(--sea-l);border-radius:12px;padding:12px}
.kpi b{display:block;font-size:1.15rem;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.kpi span{font-size:.82rem;color:var(--mute)}
.bars .r{display:grid;grid-template-columns:1fr auto;gap:2px 10px;margin:10px 0;font-size:.95rem}
.bars .r b{font-variant-numeric:tabular-nums}
.bars .bar{grid-column:1/-1;height:9px;border-radius:6px;background:var(--line);overflow:hidden}
.bars .bar i{display:block;height:100%;background:var(--sea);border-radius:6px}
.bars .r.x .bar i{background:var(--sun)}
.save{background:var(--sun-l);border:1px solid var(--sun);border-radius:12px;padding:14px;margin-top:16px;font-size:.97rem}
.sticky{position:sticky;top:14px}
@media print{header.top,footer,.noprint{display:none}.calc{grid-template-columns:1fr}}