:root {
    --navy: #0a192f;
    --gold: #c5a059;
    --gold-dark: #a68545;
    --white: #ffffff;
    --light-gray: #f4f7f6;
    --text: #444;
}

* { margin:0; padding:0; box-sizing: border-box; }
body { font-family: 'Montserrat', sans-serif; color: var(--text); background: #fff; line-height: 1.6; }

.container { max-width: 1100px; margin: auto; padding: 0 20px; }
.section-gap { padding: 100px 0; }
.text-center { text-align: center; }
.bg-navy { background: var(--navy); color: white; }

/* Header */
header { background: var(--white); height: 90px; display: flex; align-items: center; box-shadow: 0 2px 15px rgba(0,0,0,0.1); position: sticky; top:0; z-index: 1000; }
.nav-flex { width: 100%; display: flex; justify-content: space-between; align-items: center; }
.logo { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; color: var(--navy); }
.logo span { color: var(--gold); }
.nav-links { list-style: none; display: flex; align-items: center; }
.nav-links a { text-decoration: none; color: var(--navy); margin-left: 25px; font-weight: 600; font-size: 0.9rem; transition: 0.3s; }
.nav-links a:hover { color: var(--gold); }
.nav-btn { background: var(--gold); color: white !important; padding: 10px 20px; border-radius: 4px; }

/* Hero */
.hero-finance { 
    height: 80vh; 
    background: url('https://images.unsplash.com/photo-1556742049-13e73bb7a8ac?q=80&w=2070') center/cover no-repeat;
    position: relative;
}
.hero-overlay { 
    background: rgba(10, 25, 47, 0.7); 
    height: 100%; display: flex; align-items: center; color: white;
}
.hero-tag { background: var(--gold); padding: 5px 15px; border-radius: 20px; font-size: 0.8rem; font-weight: bold; margin-bottom: 20px; display: inline-block; }
.hero-finance h1 { font-family: 'Playfair Display', serif; font-size: 3.5rem; margin-bottom: 20px; }
.hero-finance p { font-size: 1.2rem; max-width: 600px; margin-bottom: 30px; opacity: 0.9; }

/* Botones */
.btn { padding: 15px 35px; border-radius: 4px; text-decoration: none; font-weight: bold; transition: 0.3s; cursor: pointer; display: inline-block; border: none; }
.btn-gold { background: var(--gold); color: white; }
.btn-gold:hover { background: var(--gold-dark); transform: translateY(-3px); }
.btn-white { border: 2px solid white; color: white; margin-left: 15px; }

/* Requisitos Steps */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; margin-top: 50px; }
.step-card { background: rgba(255,255,255,0.05); padding: 40px; border-radius: 8px; border-bottom: 4px solid var(--gold); }
.step-num { font-size: 3rem; font-weight: 700; color: var(--gold); opacity: 0.5; margin-bottom: 10px; }
.requisitos-box { background: white; color: var(--navy); padding: 40px; border-radius: 8px; margin-top: 60px; }
.check-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 15px; margin-top: 20px; }
.check-list li::before { content: '✓'; color: var(--gold); font-weight: bold; margin-right: 10px; }

/* Calculadora */
.calc-wrapper { background: var(--light-gray); padding: 50px; border-radius: 12px; box-shadow: 0 10px 40px rgba(0,0,0,0.05); }
.calc-inputs { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; align-items: flex-end; }
.input-group label { display: block; margin-bottom: 10px; font-weight: bold; font-size: 0.8rem; }
.input-group input, .input-group select { width: 100%; padding: 12px; border: 1px solid #ddd; border-radius: 4px; }
.cuota-display { text-align: center; margin: 30px 0; font-size: 2rem; color: var(--navy); font-weight: bold; }
.table-responsive { margin-top: 30px; background: white; border-radius: 8px; overflow: hidden; }
table { width: 100%; border-collapse: collapse; }
th { background: var(--navy); color: white; padding: 15px; }
td { padding: 12px; border-bottom: 1px solid #eee; text-align: center; font-size: 0.9rem; }

/* Footer */
footer { background: #010813; color: white; padding-top: 80px; }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; padding-bottom: 60px; }
.footer-form input { width: 100%; padding: 12px; margin-bottom: 15px; background: #0a192f; border: 1px solid #233554; color: white; }
.bottom-footer { text-align: center; padding: 20px; border-top: 1px solid #233554; font-size: 0.8rem; opacity: 0.6; }

@media (max-width: 768px) {
    .hero-finance h1 { font-size: 2.2rem; }
    .check-list { grid-template-columns: 1fr; }
    .nav-links { display: none; }
}