*{box-sizing:border-box;margin:0;padding:0;font-family:'Segoe UI',system-ui,sans-serif}
body{background:#f4f6fb;color:#1a1a2e;line-height:1.6}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.nav{display:flex;justify-content:space-between;align-items:center;padding:15px 20px}
.logo{font-weight:700;font-size:1.3rem;color:#0d6efd}
header{background:#fff;box-shadow:0 2px 10px rgba(0,0,0,.05);position:sticky;top:0;z-index:10}
header.interno{background:#fff}
.admin-header{background:linear-gradient(135deg,#1a1a2e,#16213e);color:#fff}
.admin-header .logo{color:#fff}
nav a{margin-left:15px;color:#333;text-decoration:none;font-weight:500}
nav a:hover{color:#0d6efd}

.hero{background:linear-gradient(135deg,#0d6efd 0%,#6610f2 100%);color:#fff;padding:70px 0;text-align:center}
.hero h1{font-size:2.5rem;margin-bottom:15px}
.lead{font-size:1.2rem;opacity:.95;margin-bottom:30px}

.tasa-card{background:rgba(255,255,255,.15);backdrop-filter:blur(10px);padding:25px;border-radius:15px;max-width:600px;margin:0 auto 30px;display:flex;gap:20px;flex-wrap:wrap;justify-content:center}
.tasa-item{flex:1;min-width:200px}
.tasa-item .label{display:block;font-size:.85rem;opacity:.85;margin-bottom:5px}
.tasa-item strong{font-size:1.3rem}
.tasa-item.destacado{background:rgba(255,255,255,.2);padding:10px;border-radius:10px}

.calculadora{background:#fff;color:#1a1a2e;padding:30px;border-radius:15px;max-width:500px;margin:0 auto;box-shadow:0 10px 40px rgba(0,0,0,.2)}
.calculadora h3{margin-bottom:15px;color:#0d6efd}
.calculadora input{width:100%;padding:12px;font-size:1.2rem;border:2px solid #e0e0e0;border-radius:8px;margin-bottom:15px}
.calculadora input:focus{outline:none;border-color:#0d6efd}
.resultado{background:#f0f4ff;padding:15px;border-radius:8px;margin-bottom:15px;text-align:center;font-size:1.1rem}
.resultado strong{color:#0d6efd;font-size:1.4rem}

.btn{display:inline-block;padding:10px 22px;border-radius:8px;text-decoration:none;font-weight:600;border:none;cursor:pointer;transition:.2s;background:#e0e0e0;color:#333}
.btn-primary{background:#0d6efd;color:#fff}
.btn-primary:hover{background:#0b5ed7}
.btn-sm{padding:6px 14px;font-size:.9rem}
.btn.danger{background:#dc3545;color:#fff}

#como-funciona{padding:60px 20px;text-align:center;background:#fff}
#como-funciona h2{color:#0d6efd;margin-bottom:15px}
footer{background:#1a1a2e;color:#fff;text-align:center;padding:25px}

/* Auth */
.auth-body{display:flex;align-items:center;justify-content:center;min-height:100vh;background:linear-gradient(135deg,#0d6efd,#6610f2)}
.auth-box{background:#fff;padding:40px;border-radius:15px;width:100%;max-width:420px;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.auth-box h2{margin-bottom:20px;color:#0d6efd;text-align:center}
.auth-box input{width:100%;padding:12px;margin-bottom:12px;border:2px solid #e0e0e0;border-radius:8px;font-size:1rem}
.auth-box input:focus{outline:none;border-color:#0d6efd}
.auth-box .btn{width:100%;padding:13px;font-size:1.05rem}
.link-alt{text-align:center;margin-top:15px}
.back{display:block;text-align:center;margin-top:10px;color:#666;text-decoration:none}
.alert{padding:12px;border-radius:8px;margin-bottom:15px;font-size:.95rem}
.alert.error{background:#fee;color:#c33;border:1px solid #fcc}
.alert.ok{background:#e6ffed;color:#1a7f37;border:1px solid #acf2bd}

/* Panel */
.panel{padding:30px 20px}
.card{background:#fff;padding:25px;border-radius:12px;margin-bottom:20px;box-shadow:0 2px 10px rgba(0,0,0,.04)}
.card h2{color:#0d6efd;margin-bottom:20px;font-size:1.4rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:15px}
.grid .full{grid-column:1/-1}
.grid label{display:block;margin-bottom:5px;font-weight:500;font-size:.9rem;color:#555}
.grid input,.grid select,.grid textarea{width:100%;padding:10px;border:2px solid #e0e0e0;border-radius:8px;font-size:.95rem}
.grid input:focus,.grid select:focus,.grid textarea:focus{outline:none;border-color:#0d6efd}
.calc-info{color:#0d6efd;font-weight:600;display:block;margin-top:5px}

.tabla{width:100%;border-collapse:collapse;font-size:.9rem}
.tabla th,.tabla td{padding:10px;text-align:left;border-bottom:1px solid #eee}
.tabla th{background:#f4f6fb;font-weight:600;color:#555}
.tabla input,.tabla select{padding:6px;border:1px solid #ddd;border-radius:5px;font-size:.85rem}
.badge{padding:4px 10px;border-radius:20px;font-size:.75rem;font-weight:600;text-transform:uppercase}
.badge.pendiente{background:#fff3cd;color:#856404}
.badge.aprobado{background:#cfe2ff;color:#084298}
.badge.enviado{background:#d1e7dd;color:#0f5132}
.badge.rechazado{background:#f8d7da;color:#842029}

.tasa-mini{background:#0d6efd;color:#fff;padding:6px 12px;border-radius:20px;font-weight:600;font-size:.85rem}

@media(max-width:600px){
  .hero h1{font-size:1.8rem}
  .tasa-card{flex-direction:column}
  .nav{flex-direction:column;gap:10px}
}