@import 'https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600;700;800&family=DM+Sans:wght@300;400;500;600&display=swap';:root{--navy:#1A4F8A;--navy-dark:#0D3461;--navy-mid:#2468A8;--orange:#FF6600;--orange-light:#FF8533;--orange-pale:#FFF3EB;--warm-white:#FAFAF8;--light-gray:#F4F3EF;--text-dark:#333333;--text-mid:#666666;--border:#E0E0E0;--success:#1A7A4A;--whatsapp:#25D366;--font-heading:'Playfair Display', Georgia, serif;--font-body:'DM Sans', system-ui, sans-serif;--base-size:16px;--space-xs:0.25rem;--space-sm:0.5rem;--space-md:1rem;--space-lg:1.5rem;--space-xl:2rem;--space-2xl:3rem;--space-3xl:4rem;--space-4xl:6rem;--radius-sm:6px;--radius-md:12px;--radius-lg:20px;--radius-xl:32px;--radius-full:9999px;--shadow-sm:0 1px 3px rgba(0,0,0,0.08);--shadow-md:0 4px 16px rgba(0,0,0,0.10);--shadow-lg:0 8px 32px rgba(0,0,0,0.14);--shadow-nav:0 2px 20px rgba(13,52,97,0.18);--container-max:1200px;--section-pad:5rem 1.5rem;--nav-height:72px}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{font-size:var(--base-size);scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-weight:400;color:var(--text-dark);background-color:var(--warm-white);line-height:1.6;overflow-x:hidden}img{max-width:100%;height:auto;display:block}a{color:var(--navy);text-decoration:none;transition:color .2s}a:hover{color:var(--orange)}ul{list-style:none}button{cursor:pointer;font-family:var(--font-body)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:700;line-height:1.2;color:var(--text-dark)}h1{font-size:clamp(2rem,5vw,3.5rem)}h2{font-size:clamp(1.6rem,4vw,2.5rem)}h3{font-size:clamp(1.25rem,3vw,1.75rem)}h4{font-size:1.2rem}h5{font-size:1rem}p{line-height:1.7;color:var(--text-mid)}.lead{font-size:1.15rem;color:var(--text-mid);line-height:1.7}.container{max-width:var(--container-max);margin:0 auto;padding:0 1.5rem}.section{padding:var(--section-pad)}.section-sm{padding:3rem 1.5rem}.section-dark{background:var(--navy-dark);color:#fff}.section-dark h2,.section-dark h3,.section-dark h4{color:#fff}.section-dark p{color:rgba(255,255,255,.8)}.section-navy{background:var(--navy);color:#fff}.section-gray{background:var(--light-gray)}.section-orange{background:var(--orange)}.text-center{text-align:center}.text-navy{color:var(--navy)}.text-orange{color:var(--orange)}.text-white{color:#fff}.flex{display:flex}.flex-center{display:flex;align-items:center;justify-content:center}.flex-between{display:flex;align-items:center;justify-content:space-between}.gap-sm{gap:var(--space-sm)}.gap-md{gap:var(--space-md)}.gap-lg{gap:var(--space-lg)}.gap-xl{gap:var(--space-xl)}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-xl)}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-xl)}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-lg)}.section-label{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:var(--space-sm)}.section-title{margin-bottom:var(--space-md)}.section-sub{max-width:640px;margin:0 auto var(--space-2xl)}.btn{display:inline-flex;align-items:center;gap:var(--space-sm);padding:.75rem 1.5rem;border-radius:var(--radius-full);font-weight:600;font-size:.95rem;font-family:var(--font-body);border:2px solid transparent;transition:all .2s ease;white-space:nowrap;text-decoration:none}.btn-primary{background:var(--orange);color:#fff;border-color:var(--orange)}.btn-primary:hover{background:var(--orange-light);color:#fff;transform:translateY(-1px);box-shadow:0 4px 12px rgba(255,102,0,.3)}.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-navy:hover{background:var(--navy-mid);color:#fff}.btn-outline{background:0 0;color:var(--navy);border-color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}.btn-outline-white{background:0 0;color:#fff;border-color:rgba(255,255,255,.6)}.btn-outline-white:hover{background:rgba(255,255,255,.1);color:#fff}.btn-whatsapp{background:var(--whatsapp);color:#fff;border-color:var(--whatsapp)}.btn-whatsapp:hover{background:#1fb856;color:#fff;transform:translateY(-1px);box-shadow:0 4px 12px rgba(37,211,102,.3)}.btn-lg{padding:1rem 2rem;font-size:1rem}.btn-sm{padding:.5rem 1rem;font-size:.85rem}.wa-banner{background:linear-gradient(135deg,#1A6C35 0%,#25D366 100%);color:#fff;text-align:center;padding:.6rem 1.5rem;font-size:.9rem;font-weight:500;position:relative;z-index:200}.wa-banner a{color:#fff;font-weight:700;text-decoration:underline}.wa-banner-close{position:absolute;right:1rem;top:50%;transform:translateY(-50%);background:0 0;border:none;color:#fff;font-size:1.2rem;line-height:1;opacity:.8;cursor:pointer}.wa-banner-close:hover{opacity:1}.navbar{position:fixed;top:0;left:0;right:0;z-index:100;height:var(--nav-height);background:var(--navy-dark);box-shadow:var(--shadow-nav);transition:top .3s}.navbar-inner{max-width:var(--container-max);margin:0 auto;padding:0 1.5rem;height:100%;display:flex;align-items:center;justify-content:space-between}.navbar-logo{display:flex;align-items:center;gap:.6rem}.navbar-logo img{height:40px;width:auto}.navbar-logo-text{color:#fff;font-family:var(--font-heading);font-size:1.2rem;font-weight:700}.navbar-logo-text span{color:var(--orange)}.navbar-nav{display:flex;align-items:center;gap:.25rem}.nav-item{position:relative}.nav-link{color:rgba(255,255,255,.85);font-weight:500;font-size:.9rem;padding:.5rem .75rem;border-radius:var(--radius-sm);transition:all .2s;display:flex;align-items:center;gap:.25rem}.nav-link:hover,.nav-link.active{color:#fff;background:rgba(255,255,255,.1)}.nav-link svg{width:14px;height:14px}.nav-dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:210px;background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-lg);padding:.5rem;opacity:0;visibility:hidden;transform:translateY(-8px);transition:all .2s;pointer-events:none}.nav-item:hover .nav-dropdown,.nav-item:focus-within .nav-dropdown{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto}.nav-dropdown a{display:block;padding:.6rem .75rem;color:var(--text-dark);font-size:.88rem;font-weight:500;border-radius:var(--radius-sm);transition:all .15s}.nav-dropdown a:hover{background:var(--orange-pale);color:var(--orange)}.navbar-actions{display:flex;align-items:center;gap:var(--space-sm)}.hamburger{display:none;flex-direction:column;gap:5px;background:0 0;border:none;padding:4px;cursor:pointer}.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:all .3s}.mobile-menu{display:none;position:fixed;inset:0;z-index:99;background:var(--navy-dark);overflow-y:auto;padding:calc(var(--nav-height) + 1rem)1.5rem 2rem;flex-direction:column;gap:var(--space-xs)}.mobile-menu.open{display:flex}.mobile-nav-link{color:rgba(255,255,255,.9);font-size:1.1rem;font-weight:500;padding:.75rem 0;border-bottom:1px solid rgba(255,255,255,8%);display:block}.mobile-nav-link:hover{color:var(--orange)}.mobile-nav-section{font-size:.75rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--orange);margin-top:1rem;margin-bottom:.25rem}.page-content{padding-top:var(--nav-height)}.has-banner .page-content{padding-top:calc(var(--nav-height) + 40px)}.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,#1A5C99 100%);color:#fff;padding:5rem 1.5rem 4rem;position:relative;overflow:hidden}.hero::before{content:'';position:absolute;top:-50%;right:-20%;width:600px;height:600px;background:radial-gradient(circle,rgba(255,102,0,.12) 0%,transparent 60%);pointer-events:none}.hero-inner{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:1fr 380px;gap:var(--space-3xl);align-items:center}.hero h1{color:#fff;margin-bottom:var(--space-lg)}.hero h1 span{color:var(--orange)}.hero-sub{font-size:1.1rem;color:rgba(255,255,255,.85);margin-bottom:var(--space-xl);max-width:560px}.hero-actions{display:flex;flex-wrap:wrap;gap:var(--space-md);margin-bottom:var(--space-xl)}.hero-badges{display:flex;flex-wrap:wrap;gap:var(--space-sm)}.badge{display:inline-flex;align-items:center;gap:.4rem;padding:.35rem .75rem;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:var(--radius-full);font-size:.8rem;font-weight:500;color:rgba(255,255,255,.9)}.hero-calc{background:#fff;border-radius:var(--radius-lg);padding:var(--space-xl);box-shadow:var(--shadow-lg);color:var(--text-dark)}.hero-calc h3{font-size:1.1rem;margin-bottom:var(--space-lg);color:var(--navy)}.calc-field{margin-bottom:var(--space-md)}.calc-field label{display:block;font-size:.85rem;font-weight:600;color:var(--text-mid);margin-bottom:.3rem}.calc-field input[type=range]{width:100%;accent-color:var(--orange)}.calc-field .calc-value{font-size:1rem;font-weight:700;color:var(--navy)}.calc-result{background:var(--navy-dark);color:#fff;border-radius:var(--radius-md);padding:var(--space-md);text-align:center;margin-top:var(--space-lg)}.calc-result .result-label{font-size:.8rem;opacity:.8;margin-bottom:.25rem}.calc-result .result-value{font-size:1.6rem;font-weight:700;color:var(--orange)}.calc-result .result-note{font-size:.75rem;opacity:.7;margin-top:.25rem}.compliance-bar{background:var(--navy-dark);color:rgba(255,255,255,.85);padding:.75rem 1.5rem;font-size:.82rem;font-weight:500;letter-spacing:.04em}.compliance-bar-inner{max-width:var(--container-max);margin:0 auto;display:flex;align-items:center;flex-wrap:wrap;gap:1.5rem}.compliance-bar .item{display:flex;align-items:center;gap:.4rem}.compliance-bar .item .dot{width:6px;height:6px;background:var(--orange);border-radius:50%;flex-shrink:0}.stats-strip{background:var(--light-gray);padding:2.5rem 1.5rem}.stats-inner{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-xl);text-align:center}.stat-item .stat-number{font-size:clamp(1.8rem,4vw,2.5rem);font-weight:800;font-family:var(--font-heading);color:var(--navy);line-height:1}.stat-item .stat-label{font-size:.85rem;color:var(--text-mid);margin-top:.35rem;font-weight:500}.card{background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);overflow:hidden;transition:all .25s ease}.card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.card-body{padding:var(--space-xl)}.service-card{background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);padding:var(--space-xl);transition:all .25s;border-top:3px solid transparent;position:relative}.service-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-top-color:var(--orange)}.service-card .icon{width:52px;height:52px;background:var(--orange-pale);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:var(--space-lg);font-size:1.4rem}.service-card h3{color:var(--navy);margin-bottom:var(--space-sm)}.service-card p{font-size:.9rem;margin-bottom:var(--space-lg)}.service-card .card-link{font-size:.88rem;font-weight:600;color:var(--orange);display:inline-flex;align-items:center;gap:.25rem}.blog-card{background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);overflow:hidden;transition:all .25s}.blog-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.blog-card-img{aspect-ratio:16/9;background:var(--light-gray);overflow:hidden}.blog-card-img img{width:100%;height:100%;object-fit:cover}.blog-card-body{padding:var(--space-lg)}.blog-card .category-tag{display:inline-block;padding:.2rem .6rem;background:var(--orange-pale);color:var(--orange);font-size:.75rem;font-weight:600;border-radius:var(--radius-full);margin-bottom:.6rem;text-transform:uppercase;letter-spacing:.05em}.blog-card h3{font-size:1.05rem;margin-bottom:.5rem;color:var(--text-dark);line-height:1.35}.blog-card h3 a:hover{color:var(--orange)}.blog-card .excerpt{font-size:.88rem;color:var(--text-mid);margin-bottom:var(--space-md)}.blog-card .meta{font-size:.8rem;color:var(--text-mid);display:flex;align-items:center;gap:var(--space-md)}.testimonial-card{background:rgba(255,255,255,7%);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);padding:var(--space-xl)}.testimonial-card .quote-mark{font-size:3rem;color:var(--orange);font-family:var(--font-heading);line-height:1;margin-bottom:var(--space-sm)}.testimonial-card .quote{color:rgba(255,255,255,.9);font-size:.95rem;line-height:1.7;margin-bottom:var(--space-lg)}.testimonial-card .author-name{font-weight:700;color:#fff}.testimonial-card .author-role{font-size:.82rem;color:rgba(255,255,255,.65)}.why-afs{background:var(--navy-dark);color:#fff}.why-afs-inner{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4xl);align-items:center}.benefit-item{display:flex;gap:var(--space-md);margin-bottom:var(--space-xl)}.benefit-item .icon{width:44px;height:44px;background:rgba(255,102,0,.15);border:1px solid rgba(255,102,0,.3);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;color:var(--orange)}.benefit-item h4{color:#fff;margin-bottom:.3rem;font-size:1rem}.benefit-item p{font-size:.88rem;color:rgba(255,255,255,.75)}.cred-card{background:rgba(255,255,255,6%);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-md);padding:var(--space-lg);margin-bottom:var(--space-md)}.cred-card .cred-label{font-size:.75rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--orange);margin-bottom:.4rem}.cred-card .cred-value{font-size:1.1rem;font-weight:700;color:#fff}.cred-card .cred-sub{font-size:.82rem;color:rgba(255,255,255,.65);margin-top:.2rem}.tool-card{background:#fff;border-radius:var(--radius-md);padding:var(--space-lg);box-shadow:var(--shadow-sm);border-left:4px solid var(--orange);transition:all .2s;cursor:pointer;display:block}.tool-card:hover{box-shadow:var(--shadow-md);transform:translateX(4px);color:inherit}.tool-card .tool-icon{font-size:1.4rem;margin-bottom:.5rem}.tool-card h4{color:var(--navy);font-size:.95rem;margin-bottom:.3rem}.tool-card p{font-size:.82rem;color:var(--text-mid)}.calc-tabs{border-bottom:2px solid var(--border);margin-bottom:var(--space-2xl);display:flex;flex-wrap:wrap;gap:var(--space-sm)}.calc-tab{padding:.65rem 1.25rem;font-weight:600;font-size:.88rem;border-radius:var(--radius-sm)var(--radius-sm)0 0;border:none;background:0 0;color:var(--text-mid);cursor:pointer;transition:all .2s;border-bottom:3px solid transparent;margin-bottom:-2px}.calc-tab:hover{color:var(--navy)}.calc-tab.active{color:var(--orange);border-bottom-color:var(--orange);background:var(--orange-pale)}.calc-panel{display:none}.calc-panel.active{display:grid;grid-template-columns:1fr 340px;gap:var(--space-2xl)}.calc-inputs{}.calc-inputs label{display:block;font-size:.85rem;font-weight:600;color:var(--text-dark);margin-bottom:.4rem;margin-top:var(--space-md)}.calc-inputs input[type=number],.calc-inputs select{width:100%;padding:.65rem .9rem;border:2px solid var(--border);border-radius:var(--radius-sm);font-size:.95rem;font-family:var(--font-body);color:var(--text-dark);transition:border-color .2s;background:#fff}.calc-inputs input:focus,.calc-inputs select:focus{outline:none;border-color:var(--navy)}.calc-inputs input[type=range]{width:100%;accent-color:var(--orange);margin-top:.4rem}.calc-results{background:var(--navy-dark);color:#fff;border-radius:var(--radius-lg);padding:var(--space-xl);align-self:start;position:sticky;top:calc(var(--nav-height) + 1rem)}.calc-results h3{color:#fff;font-size:1rem;margin-bottom:var(--space-lg)}.result-row{display:flex;justify-content:space-between;align-items:center;padding:.6rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:.9rem}.result-row:last-child{border-bottom:none}.result-row .label{color:rgba(255,255,255,.75)}.result-row .value{font-weight:700;color:#fff}.result-row.highlight .value{color:var(--orange);font-size:1.2rem}.calc-disclaimer{font-size:.75rem;color:rgba(255,255,255,.5);margin-top:var(--space-md);line-height:1.5}.article-hero{background:var(--navy-dark);color:#fff;padding:4rem 1.5rem}.article-hero h1{color:#fff;max-width:800px}.article-meta{display:flex;align-items:center;gap:var(--space-lg);margin-top:var(--space-md);font-size:.85rem;color:rgba(255,255,255,.7)}.article-body{max-width:760px;margin:0 auto;padding:var(--space-3xl)1.5rem}.article-body h2{font-size:1.6rem;margin-top:var(--space-2xl);margin-bottom:var(--space-md);color:var(--navy)}.article-body h3{font-size:1.2rem;margin-top:var(--space-xl);margin-bottom:var(--space-sm)}.article-body p{margin-bottom:var(--space-md);color:var(--text-dark)}.article-body ul,.article-body ol{margin:var(--space-md)0 var(--space-md)var(--space-xl)}.article-body li{margin-bottom:.4rem;line-height:1.7}.article-body ul{list-style:disc}.article-body ol{list-style:decimal}.article-disclaimer{background:var(--orange-pale);border-left:4px solid var(--orange);border-radius:var(--radius-sm);padding:var(--space-md)var(--space-lg);font-size:.82rem;color:var(--text-mid);margin-top:var(--space-2xl);line-height:1.6}.digest-section{background:linear-gradient(135deg,var(--navy-dark) 0%,#1a2f5e 100%)}.digest-inner{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:1fr 360px;gap:var(--space-3xl);align-items:center;padding:var(--section-pad)}.digest-card{background:#fff;border-radius:var(--radius-lg);padding:var(--space-2xl)}.digest-card h3{color:var(--navy);margin-bottom:var(--space-md)}.pillar-list{margin:var(--space-lg)0}.pillar-item{display:flex;align-items:center;gap:var(--space-sm);padding:.5rem 0;font-size:.9rem;color:var(--text-dark)}.pillar-item::before{content:'✓';color:var(--success);font-weight:700}.footer{background:#0a1628;color:rgba(255,255,255,.75);padding:4rem 1.5rem 0}.footer-inner{max-width:var(--container-max);margin:0 auto}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:var(--space-2xl);margin-bottom:var(--space-2xl)}.footer-logo{display:flex;align-items:center;gap:.6rem;margin-bottom:var(--space-md)}.footer-logo img{height:36px}.footer-logo-text{font-family:var(--font-heading);color:#fff;font-size:1.1rem;font-weight:700}.footer-logo-text span{color:var(--orange)}.footer-tagline{font-size:.85rem;line-height:1.6;margin-bottom:var(--space-lg)}.footer-reg{font-size:.78rem;color:rgba(255,255,255,.55)}.footer-col h4{color:#fff;font-size:.88rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-bottom:var(--space-md)}.footer-col a{display:block;font-size:.85rem;color:rgba(255,255,255,.65);padding:.25rem 0;transition:color .2s}.footer-col a:hover{color:var(--orange)}.footer-bottom{border-top:1px solid rgba(255,255,255,8%);padding:var(--space-lg)0}.footer-disclaimers{margin-bottom:var(--space-lg)}.footer-disclaimers p{font-size:.78rem;color:rgba(255,255,255,.5);margin-bottom:.4rem;line-height:1.6}.footer-legal{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:var(--space-md);font-size:.78rem;color:rgba(255,255,255,.4)}.footer-legal-links{display:flex;gap:var(--space-lg)}.footer-legal-links a{color:rgba(255,255,255,.5)}.footer-legal-links a:hover{color:rgba(255,255,255,.9)}.wa-float{position:fixed;bottom:1.5rem;right:1.5rem;z-index:50;display:flex;align-items:center;gap:.6rem;background:var(--whatsapp);color:#fff;font-weight:600;font-size:.88rem;padding:.75rem 1.25rem;border-radius:var(--radius-full);box-shadow:0 4px 20px rgba(37,211,102,.4);text-decoration:none;transition:all .2s}.wa-float:hover{background:#1fb856;color:#fff;transform:translateY(-2px);box-shadow:0 6px 24px rgba(37,211,102,.5)}.wa-float svg{width:20px;height:20px}.breadcrumb{padding:.75rem 1.5rem;background:var(--light-gray);border-bottom:1px solid var(--border)}.breadcrumb-inner{max-width:var(--container-max);margin:0 auto;font-size:.82rem;color:var(--text-mid)}.breadcrumb-inner a{color:var(--navy)}.breadcrumb-inner a:hover{color:var(--orange)}.breadcrumb-inner .sep{margin:0 .4rem}.page-header{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);color:#fff;padding:4rem 1.5rem 3rem}.page-header-inner{max-width:var(--container-max);margin:0 auto}.page-header h1{color:#fff;margin-bottom:var(--space-md)}.page-header .lead{color:rgba(255,255,255,.8)}.sidebar-layout{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:1fr 300px;gap:var(--space-2xl);padding:var(--space-3xl)1.5rem}.sidebar{align-self:start;position:sticky;top:calc(var(--nav-height) + 1.5rem)}.sidebar-card{background:#fff;border-radius:var(--radius-md);padding:var(--space-xl);box-shadow:var(--shadow-sm);margin-bottom:var(--space-lg)}.sidebar-card h4{color:var(--navy);margin-bottom:var(--space-md);font-size:.95rem}.sidebar-wa{background:var(--navy-dark);color:#fff;border-radius:var(--radius-md);padding:var(--space-xl);text-align:center;margin-bottom:var(--space-lg)}.sidebar-wa h4{color:#fff;margin-bottom:var(--space-sm)}.sidebar-wa p{color:rgba(255,255,255,.75);font-size:.88rem;margin-bottom:var(--space-lg)}.portfolio-card{background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);transition:all .25s}.portfolio-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}.portfolio-header{padding:var(--space-xl)}.portfolio-header.conservative{background:linear-gradient(135deg,#1A7A4A 0%,#2A9C62 100%)}.portfolio-header.moderate{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%)}.portfolio-header.growth{background:linear-gradient(135deg,#6B48D3 0%,#8A67E8 100%)}.portfolio-header.aggressive{background:linear-gradient(135deg,#C0392B 0%,#E74C3C 100%)}.portfolio-header h3{color:#fff}.risk-badge{display:inline-block;padding:.25rem .75rem;border-radius:var(--radius-full);font-size:.75rem;font-weight:700;background:rgba(255,255,255,.2);color:#fff;margin-bottom:.5rem}.portfolio-body{padding:var(--space-xl)}.alloc-bar{height:8px;background:var(--light-gray);border-radius:var(--radius-full);overflow:hidden;margin:var(--space-md)0;display:flex}.alloc-segment{height:100%}.faq-item{border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:var(--space-sm);overflow:hidden}.faq-question{width:100%;text-align:left;background:#fff;border:none;padding:var(--space-lg);font-weight:600;font-size:.95rem;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--text-dark);font-family:var(--font-body)}.faq-question:hover{background:var(--orange-pale)}.faq-question .chevron{transition:transform .2s}.faq-item.open .faq-question .chevron{transform:rotate(180deg)}.faq-answer{display:none;padding:0 var(--space-lg)var(--space-lg);background:#fff;font-size:.9rem;color:var(--text-mid);line-height:1.7}.faq-item.open .faq-answer{display:block}.timeline{display:flex;gap:var(--space-md);overflow-x:auto;padding-bottom:var(--space-md);scrollbar-width:thin}.timeline-node{flex:0 0 160px;background:rgba(255,255,255,8%);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius-md);padding:var(--space-md);text-align:center}.timeline-node .year{font-size:1.2rem;font-weight:800;color:var(--orange);font-family:var(--font-heading)}.timeline-node .event{font-size:.82rem;color:rgba(255,255,255,.8);margin-top:.25rem}.resource-card{background:#fff;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);padding:var(--space-lg);display:flex;gap:var(--space-lg);align-items:flex-start;transition:box-shadow .2s}.resource-card:hover{box-shadow:var(--shadow-md)}.resource-img{width:80px;height:80px;object-fit:cover;border-radius:var(--radius-sm);flex-shrink:0;background:var(--light-gray)}.resource-body h4{font-size:.95rem;margin-bottom:.3rem}.resource-body p{font-size:.82rem;color:var(--text-mid);margin-bottom:.6rem}.contact-methods{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-lg)}.contact-card{background:#fff;border-radius:var(--radius-md);padding:var(--space-xl);box-shadow:var(--shadow-sm);text-align:center}.contact-card .contact-icon{font-size:2rem;margin-bottom:var(--space-sm)}.contact-card h4{color:var(--navy);margin-bottom:.4rem}.contact-card a{color:var(--orange);font-weight:600}.risk-question{margin-bottom:var(--space-xl)}.risk-question h4{margin-bottom:var(--space-md);font-size:1rem;color:var(--text-dark)}.risk-option{display:flex;align-items:center;gap:var(--space-sm);padding:.75rem 1rem;border:2px solid var(--border);border-radius:var(--radius-md);margin-bottom:var(--space-sm);cursor:pointer;transition:all .2s;font-size:.9rem}.risk-option input{accent-color:var(--orange)}.risk-option:has(input:checked),.risk-option.selected{border-color:var(--orange);background:var(--orange-pale)}@media(max-width:1024px){.hero-inner{grid-template-columns:1fr}.hero-calc{max-width:460px}.stats-inner{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.sidebar-layout{grid-template-columns:1fr}.sidebar{position:static}.why-afs-inner{grid-template-columns:1fr;gap:var(--space-2xl)}.digest-inner{grid-template-columns:1fr}.calc-panel.active{grid-template-columns:1fr}.calc-results{position:static}}@media(max-width:768px){:root{--nav-height:64px}.navbar-nav{display:none}.hamburger{display:flex}.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}.contact-methods{grid-template-columns:1fr}.stats-inner{grid-template-columns:repeat(2,1fr);gap:var(--space-lg)}.footer-grid{grid-template-columns:1fr}.hero{padding:3rem 1rem 2.5rem}.wa-float .wa-label{display:none}.wa-float{padding:.9rem;border-radius:50%}.timeline{gap:var(--space-sm)}.timeline-node{flex:0 0 130px}.article-body{padding:var(--space-xl)1rem}.portfolio-cards{grid-template-columns:1fr}}@media(max-width:480px){h1{font-size:1.8rem}h2{font-size:1.5rem}.btn{padding:.65rem 1.2rem;font-size:.88rem}.section{padding:3rem 1rem}}:root{--afs-navy:#1A4F8A;--afs-navy-dark:#0D3461;--afs-navy-mid:#2468A8;--afs-orange:#FF6600;--afs-orange-light:#FF8533;--afs-orange-pale:#FFF3EB;--afs-warm-white:#FAFAF8;--afs-light-gray:#F4F3EF;--afs-text-dark:#333333;--afs-text-mid:#666666;--afs-border:#E0E0E0;--afs-success:#1A7A4A;--afs-whatsapp:#25D366;--glass-light-bg:rgba(255, 255, 255, 0.72);--glass-light-border:rgba(255, 255, 255, 0.90);--glass-light-shadow:rgba(26, 79, 138, 0.10);--glass-dark-bg:rgba(255, 255, 255, 0.08);--glass-dark-border:rgba(255, 255, 255, 0.15);--glass-dark-shadow:rgba(0, 0, 0, 0.30);--glass-navy-bg:rgba(13, 52, 97, 0.65);--glass-navy-border:rgba(36, 104, 168, 0.40);--glass-orange-bg:rgba(255, 102, 0, 0.12);--glass-orange-border:rgba(255, 102, 0, 0.30);--blur-sm:blur(8px) saturate(160%);--blur-md:blur(16px) saturate(180%);--blur-lg:blur(28px) saturate(200%);--font-heading:'Playfair Display', Georgia, serif;--font-body:'DM Sans', system-ui, -apple-system, sans-serif;--text-xs:0.75rem;--text-sm:0.875rem;--text-base:1rem;--text-lg:1.125rem;--text-xl:1.25rem;--text-2xl:1.5rem;--text-3xl:1.875rem;--text-4xl:2.25rem;--h1-size:clamp(2rem, 5.5vw, 3.5rem);--h2-size:clamp(1.6rem, 4vw, 2.5rem);--h3-size:clamp(1.25rem, 2.5vw, 1.75rem);--leading-tight:1.2;--leading-normal:1.6;--leading-relaxed:1.75;--space-1:0.25rem;--space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-5:1.25rem;--space-6:1.5rem;--space-8:2rem;--space-10:2.5rem;--space-12:3rem;--space-16:4rem;--space-20:5rem;--space-24:6rem;--radius-sm:6px;--radius-md:12px;--radius-lg:20px;--radius-xl:28px;--radius-full:9999px;--shadow-sm:0 1px 3px rgba(26,79,138,0.08), 0 1px 2px rgba(0,0,0,0.04);--shadow-md:0 4px 16px rgba(26,79,138,0.10), 0 2px 6px rgba(0,0,0,0.06);--shadow-lg:0 10px 40px rgba(26,79,138,0.14), 0 4px 12px rgba(0,0,0,0.08);--shadow-xl:0 20px 60px rgba(26,79,138,0.18), 0 8px 20px rgba(0,0,0,0.10);--glow-orange:0 0 24px rgba(255,102,0,0.35), 0 0 60px rgba(255,102,0,0.15);--glow-navy:0 0 24px rgba(26,79,138,0.40), 0 0 60px rgba(26,79,138,0.20);--glow-white:0 0 20px rgba(255,255,255,0.25);--ease-spring:cubic-bezier(0.34, 1.56, 0.64, 1);--ease-smooth:cubic-bezier(0.25, 0.46, 0.45, 0.94);--ease-snappy:cubic-bezier(0.16, 1, 0.3, 1);--ease-in-out:cubic-bezier(0.4, 0, 0.2, 1);--dur-fast:150ms;--dur-base:250ms;--dur-slow:400ms;--dur-slower:600ms;--z-below:-1;--z-base:0;--z-raised:10;--z-dropdown:100;--z-sticky:200;--z-overlay:300;--z-modal:400;--z-toast:500;--container-max:1280px;--container-pad:var(--space-4);--nav-height:68px;--banner-height:44px;--bottom-nav-height:60px;--section-pad-y:var(--space-16)}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}body{font-family:var(--font-body);font-size:var(--text-base);line-height:var(--leading-normal);color:var(--afs-text-dark);background-color:var(--afs-warm-white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden;padding-bottom:var(--bottom-nav-height)}@media(min-width:768px){body{padding-bottom:0}}img,video{max-width:100%;height:auto;display:block}a{color:inherit;text-decoration:none}button,[role=button]{cursor:pointer;border:none;background:0 0;font-family:inherit}ul,ol{list-style:none}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);line-height:var(--leading-tight);font-weight:700;color:var(--afs-navy-dark)}h1{font-size:var(--h1-size)}h2{font-size:var(--h2-size)}h3{font-size:var(--h3-size)}h4{font-size:var(--text-xl);font-weight:600}h5{font-size:var(--text-lg);font-weight:600}h6{font-size:var(--text-base);font-weight:600}p{color:var(--afs-text-mid);line-height:var(--leading-normal)}.text-sm{font-size:var(--text-sm)}.text-xs{font-size:var(--text-xs)}.text-lg{font-size:var(--text-lg)}.text-xl{font-size:var(--text-xl)}.font-medium{font-weight:500}.font-semibold{font-weight:600}.font-bold{font-weight:700}.text-navy{color:var(--afs-navy)}.text-orange{color:var(--afs-orange)}.text-mid{color:var(--afs-text-mid)}.text-white{color:#fff}.section-label{display:inline-block;font-family:var(--font-body);font-size:var(--text-xs);font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--afs-orange);margin-bottom:var(--space-3)}.section-label--light{color:rgba(255,255,255,.65)}.container{width:100%;max-width:var(--container-max);margin-inline:auto;padding-inline:var(--container-pad)}@media(min-width:640px){:root{--container-pad:var(--space-6)}}@media(min-width:768px){:root{--container-pad:var(--space-8)}}@media(min-width:1024px){:root{--container-pad:var(--space-10)}}@media(min-width:1280px){:root{--container-pad:var(--space-12)}}.section{padding-block:var(--section-pad-y)}.section--sm{padding-block:var(--space-12)}.section--lg{padding-block:var(--space-24)}.grid{display:grid;gap:var(--space-6)}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}@media(max-width:639px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}@media(min-width:640px) and (max-width:767px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}@media(min-width:768px) and (max-width:1023px){.grid-4{grid-template-columns:repeat(2,1fr)}}.flex{display:flex}.flex-col{flex-direction:column}.flex-wrap{flex-wrap:wrap}.items-center{align-items:center}.items-start{align-items:flex-start}.justify-between{justify-content:space-between}.justify-center{justify-content:center}.gap-2{gap:var(--space-2)}.gap-3{gap:var(--space-3)}.gap-4{gap:var(--space-4)}.gap-6{gap:var(--space-6)}.gap-8{gap:var(--space-8)}.glass-card{position:relative;background:var(--glass-light-bg);border:1px solid var(--glass-light-border);border-radius:var(--radius-lg);box-shadow:0 1px rgba(255,255,255,.95)inset,0 -1px rgba(0,0,0,4%)inset,var(--shadow-md);backdrop-filter:var(--blur-md);-webkit-backdrop-filter:var(--blur-md);transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth);overflow:hidden}.glass-card::before{content:'';position:absolute;inset:0;background:linear-gradient( 145deg,rgba(255,255,255,.55) 0%,rgba(255,255,255,.1) 40%,rgba(255,255,255,0) 70% );border-radius:inherit;pointer-events:none;z-index:0}.glass-card>*{position:relative;z-index:1}.glass-card--dark{background:var(--glass-dark-bg);border-color:var(--glass-dark-border);box-shadow:0 1px rgba(255,255,255,.18)inset,0 -1px rgba(0,0,0,.2)inset,1px 0 rgba(255,255,255,8%)inset,0 8px 32px rgba(0,0,0,.25);backdrop-filter:var(--blur-md);-webkit-backdrop-filter:var(--blur-md)}.glass-card--dark::before{background:linear-gradient( 145deg,rgba(255,255,255,.14) 0%,rgba(255,255,255,4%) 40%,rgba(255,255,255,0) 70% )}.glass-card--navy{background:var(--glass-navy-bg);border-color:var(--glass-navy-border);box-shadow:0 1px rgba(255,255,255,.12)inset,0 10px 40px rgba(13,52,97,.4);backdrop-filter:var(--blur-lg);-webkit-backdrop-filter:var(--blur-lg)}.glass-badge{display:inline-flex;align-items:center;gap:var(--space-1);padding:var(--space-1)var(--space-3);background:var(--glass-light-bg);border:1px solid var(--glass-light-border);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:600;backdrop-filter:var(--blur-sm);-webkit-backdrop-filter:var(--blur-sm)}.glass-badge--orange{background:var(--glass-orange-bg);border-color:var(--glass-orange-border);color:var(--afs-orange)}.glass-badge--dark{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.2);color:rgba(255,255,255,.9)}@supports not (backdrop-filter:blur(1px)){.glass-card{background:rgba(255,255,255,.97)}.glass-card--dark{background:rgba(13,52,97,.9)}.glass-card--navy{background:rgba(13,52,97,.88)}.glass-badge{background:rgba(255,255,255,.95)}}.afs-banner{position:fixed;top:0;left:0;right:0;z-index:var(--z-sticky);height:var(--banner-height);background:var(--afs-whatsapp);display:flex;align-items:center;justify-content:center;gap:var(--space-3);font-size:var(--text-sm);font-weight:500;color:#fff;padding-inline:var(--space-4);transition:transform var(--dur-base)var(--ease-smooth)}.afs-banner.is-hidden{transform:translateY(-100%)}.afs-banner__link{text-decoration:underline;text-underline-offset:2px;white-space:nowrap}.afs-banner__close{position:absolute;right:var(--space-4);top:50%;transform:translateY(-50%);width:28px;height:28px;display:flex;align-items:center;justify-content:center;opacity:.8;border-radius:var(--radius-sm);transition:opacity var(--dur-fast)var(--ease-smooth),background var(--dur-fast)var(--ease-smooth);color:#fff;font-size:18px;line-height:1;min-width:44px;min-height:44px}.afs-banner__close:hover{opacity:1;background:rgba(0,0,0,.15)}.afs-nav{position:fixed;left:0;right:0;z-index:var(--z-sticky);height:var(--nav-height);top:var(--banner-height);background:rgba(250,250,248,.85);border-bottom:1px solid rgba(224,224,224,.6);backdrop-filter:var(--blur-md);-webkit-backdrop-filter:var(--blur-md);transition:background var(--dur-slow)var(--ease-smooth),box-shadow var(--dur-slow)var(--ease-smooth),top var(--dur-base)var(--ease-smooth)}.afs-nav.banner-hidden{top:0}.afs-nav.is-scrolled{background:rgba(250,250,248,.95);box-shadow:0 1px 20px rgba(26,79,138,.1),0 1px rgba(224,224,224,.8)}.afs-nav.nav--dark{background:rgba(13,52,97,.75);border-bottom-color:rgba(255,255,255,.1);backdrop-filter:var(--blur-lg);-webkit-backdrop-filter:var(--blur-lg)}.afs-nav__inner{display:flex;align-items:center;justify-content:space-between;height:100%;gap:var(--space-6)}.afs-nav__logo img{height:36px;width:auto}.afs-nav__links{display:none;align-items:center;gap:var(--space-1)}@media(min-width:1024px){.afs-nav__links{display:flex}}.afs-nav__link{padding:var(--space-2)var(--space-3);font-size:var(--text-sm);font-weight:500;color:var(--afs-text-dark);border-radius:var(--radius-sm);transition:color var(--dur-fast)var(--ease-smooth),background var(--dur-fast)var(--ease-smooth);position:relative}.afs-nav__link::after{content:'';position:absolute;bottom:0;left:50%;right:50%;height:2px;background:var(--afs-orange);border-radius:1px;transition:left var(--dur-base)var(--ease-spring),right var(--dur-base)var(--ease-spring)}.afs-nav__link:hover{color:var(--afs-navy)}.afs-nav__link:hover::after{left:var(--space-3);right:var(--space-3)}.afs-nav__link.is-active{color:var(--afs-navy)}.afs-nav__link.is-active::after{left:var(--space-3);right:var(--space-3)}.afs-nav__actions{display:flex;align-items:center;gap:var(--space-3)}.afs-nav__hamburger{display:flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;padding:var(--space-2);border-radius:var(--radius-sm);transition:background var(--dur-fast)var(--ease-smooth)}@media(min-width:1024px){.afs-nav__hamburger{display:none}}.afs-nav__hamburger span{display:block;height:2px;border-radius:1px;background:var(--afs-text-dark);transition:transform var(--dur-base)var(--ease-spring),opacity var(--dur-fast)var(--ease-smooth),width var(--dur-base)var(--ease-smooth);transform-origin:center}.afs-nav__hamburger span:nth-child(1){width:22px}.afs-nav__hamburger span:nth-child(2){width:16px}.afs-nav__hamburger span:nth-child(3){width:20px}.afs-nav__hamburger:hover{background:var(--afs-light-gray)}.afs-nav__hamburger.is-open span:nth-child(1){width:22px;transform:translateY(7px)rotate(45deg)}.afs-nav__hamburger.is-open span:nth-child(2){opacity:0;transform:scaleX(0)}.afs-nav__hamburger.is-open span:nth-child(3){width:22px;transform:translateY(-7px)rotate(-45deg)}.afs-nav__drawer{position:fixed;inset:0;top:calc(var(--banner-height) + var(--nav-height));background:rgba(250,250,248,.97);backdrop-filter:var(--blur-lg);-webkit-backdrop-filter:var(--blur-lg);z-index:calc(var(--z-sticky) - 1);padding:var(--space-6)var(--space-4);display:flex;flex-direction:column;gap:var(--space-2);transform:translateX(100%);transition:transform var(--dur-slow)var(--ease-snappy);overflow-y:auto}.afs-nav__drawer.is-open{transform:translateX(0)}@media(min-width:1024px){.afs-nav__drawer{display:none}}.afs-nav__drawer-link{display:flex;align-items:center;gap:var(--space-3);padding:var(--space-4);font-size:var(--text-lg);font-weight:500;color:var(--afs-text-dark);border-radius:var(--radius-md);border-left:3px solid transparent;transition:background var(--dur-fast)var(--ease-smooth),border-color var(--dur-fast)var(--ease-smooth),color var(--dur-fast)var(--ease-smooth),padding-left var(--dur-fast)var(--ease-smooth)}.afs-nav__drawer-link:hover,.afs-nav__drawer-link.is-active{background:var(--afs-orange-pale);border-left-color:var(--afs-orange);color:var(--afs-navy);padding-left:var(--space-5)}body.nav-open{overflow:hidden}.page-content{padding-top:calc(var(--banner-height) + var(--nav-height))}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);padding:.75rem 1.5rem;font-family:var(--font-body);font-size:var(--text-base);font-weight:600;line-height:1;border-radius:var(--radius-full);border:2px solid transparent;min-height:48px;cursor:pointer;white-space:nowrap;position:relative;overflow:hidden;transition:transform var(--dur-fast)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth),background var(--dur-fast)var(--ease-smooth),border-color var(--dur-fast)var(--ease-smooth),color var(--dur-fast)var(--ease-smooth);will-change:transform;-webkit-tap-highlight-color:transparent;text-decoration:none}.btn::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at center,rgba(255,255,255,.35) 0%,transparent 70%);opacity:0;transform:scale(.3);transition:opacity var(--dur-slow)var(--ease-smooth),transform var(--dur-slow)var(--ease-smooth)}.btn:active::after{opacity:1;transform:scale(2.5);transition:none}.btn:hover{transform:translateY(-2px)}.btn:active{transform:translateY(0)scale(.97)}.btn--primary{background:var(--afs-orange);color:#fff;box-shadow:0 4px 16px rgba(255,102,0,.3)}.btn--primary:hover{background:var(--afs-orange-light);box-shadow:var(--glow-orange)}.btn--secondary{background:0 0;color:var(--afs-navy);border-color:var(--afs-navy)}.btn--secondary:hover{background:var(--afs-navy);color:#fff;box-shadow:var(--glow-navy)}.btn--ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}.btn--ghost:hover{background:rgba(255,255,255,.22);border-color:rgba(255,255,255,.6);box-shadow:var(--glow-white)}.btn--whatsapp{background:var(--afs-whatsapp);color:#fff;box-shadow:0 4px 16px rgba(37,211,102,.3)}.btn--whatsapp:hover{background:#1eb35a;box-shadow:0 0 24px rgba(37,211,102,.45),0 0 60px rgba(37,211,102,.2)}.btn--whatsapp .btn-icon{animation:whatsapp-pulse 2.5s var(--ease-in-out)infinite}@keyframes whatsapp-pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.18)}}.btn--sm{padding:.5rem 1rem;font-size:var(--text-sm);min-height:36px}.btn--lg{padding:1rem 2rem;font-size:var(--text-lg);min-height:56px}.btn.is-loading{pointer-events:none;opacity:.75}.btn.is-loading::before{content:'';display:inline-block;width:16px;height:16px;border:2px solid;border-top-color:transparent;border-radius:50%;animation:btn-spin .6s linear infinite;margin-right:var(--space-2)}@keyframes btn-spin{to{transform:rotate(360deg)}}.service-card{padding:var(--space-8);border-radius:var(--radius-lg);background:#fff;border:1px solid var(--afs-border);box-shadow:var(--shadow-sm);position:relative;overflow:hidden;transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth),border-color var(--dur-base)var(--ease-smooth);cursor:pointer;will-change:transform}.service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--afs-orange),var(--afs-orange-light));transform:scaleX(0);transform-origin:left center;transition:transform var(--dur-base)var(--ease-spring);border-radius:var(--radius-sm)var(--radius-sm)0 0}.service-card::after{content:'';position:absolute;inset:0;background:radial-gradient( ellipse at 50% 120%,rgba(255,102,0,8%) 0%,transparent 60% );opacity:0;transition:opacity var(--dur-base)var(--ease-smooth)}.service-card:hover{transform:translateY(-6px)scale(1.01);box-shadow:var(--shadow-lg);border-color:rgba(255,102,0,.25)}.service-card:hover::before{transform:scaleX(1)}.service-card:hover::after{opacity:1}.service-card.glass-card{background:var(--glass-light-bg)}.service-card__icon{width:52px;height:52px;display:flex;align-items:center;justify-content:center;background:var(--afs-orange-pale);border-radius:var(--radius-md);margin-bottom:var(--space-5);color:var(--afs-orange);font-size:24px;transition:background var(--dur-base)var(--ease-smooth),transform var(--dur-base)var(--ease-spring)}.service-card:hover .service-card__icon{background:var(--afs-orange);color:#fff;transform:scale(1.1)rotate(-4deg)}.service-card__title{font-family:var(--font-heading);font-size:var(--text-xl);font-weight:700;color:var(--afs-navy-dark);margin-bottom:var(--space-3)}.service-card__body{font-size:var(--text-sm);color:var(--afs-text-mid);line-height:var(--leading-relaxed);margin-bottom:var(--space-5)}.service-card__cta{display:inline-flex;align-items:center;gap:var(--space-2);font-size:var(--text-sm);font-weight:600;color:var(--afs-orange);transition:gap var(--dur-fast)var(--ease-spring)}.service-card:hover .service-card__cta{gap:var(--space-3)}.tool-card{padding:var(--space-6);border-radius:var(--radius-md);background:#fff;border:1px solid var(--afs-border);box-shadow:var(--shadow-sm);position:relative;overflow:hidden;transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth),background var(--dur-base)var(--ease-smooth);will-change:transform}.tool-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,var(--afs-orange),var(--afs-navy));transform:scaleY(0);transform-origin:bottom;transition:transform var(--dur-base)var(--ease-spring);border-radius:0 2px 2px 0}.tool-card:hover{transform:translateX(4px)translateY(-3px);box-shadow:var(--shadow-md)}.tool-card:hover::before{transform:scaleY(1)}.tool-card__icon{font-size:28px;margin-bottom:var(--space-3);display:block;transition:transform var(--dur-base)var(--ease-spring)}.tool-card:hover .tool-card__icon{transform:scale(1.15)}.blog-card{border-radius:var(--radius-lg);overflow:hidden;background:#fff;border:1px solid var(--afs-border);box-shadow:var(--shadow-sm);transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth);will-change:transform}.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}.blog-card__image{aspect-ratio:16/9;overflow:hidden;background:var(--afs-light-gray)}.blog-card__image img{width:100%;height:100%;object-fit:cover;transition:transform var(--dur-slower)var(--ease-smooth)}.blog-card:hover .blog-card__image img{transform:scale(1.06)}.blog-card__body{padding:var(--space-6)}.blog-card__tag{display:inline-block;padding:2px var(--space-3);background:var(--afs-orange-pale);color:var(--afs-orange);font-size:var(--text-xs);font-weight:600;border-radius:var(--radius-full);text-transform:uppercase;letter-spacing:.08em;margin-bottom:var(--space-3)}.blog-card__title{font-family:var(--font-heading);font-size:var(--text-xl);font-weight:700;color:var(--afs-navy-dark);margin-bottom:var(--space-3);line-height:1.3;transition:color var(--dur-fast)var(--ease-smooth)}.blog-card:hover .blog-card__title{color:var(--afs-orange)}.testimonial-card{padding:var(--space-8);border-radius:var(--radius-lg);background:var(--glass-light-bg);border:1px solid rgba(255,255,255,.9);backdrop-filter:var(--blur-sm);-webkit-backdrop-filter:var(--blur-sm);box-shadow:var(--shadow-md);position:relative;overflow:hidden;transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth)}.testimonial-card::before{content:'"';position:absolute;top:var(--space-4);right:var(--space-6);font-family:var(--font-heading);font-size:7rem;line-height:1;color:var(--afs-orange);opacity:.1;pointer-events:none;user-select:none}.testimonial-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-xl)}.testimonial-card__stars{display:flex;gap:2px;margin-bottom:var(--space-4);color:var(--afs-orange)}.testimonial-card__body{font-size:var(--text-base);line-height:var(--leading-relaxed);color:var(--afs-text-dark);margin-bottom:var(--space-6)}.testimonial-card__author{display:flex;align-items:center;gap:var(--space-3)}.testimonial-card__avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--afs-navy),var(--afs-navy-mid));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700;font-size:var(--text-sm);flex-shrink:0}.stat-card{padding:var(--space-6)var(--space-8);text-align:center;border-radius:var(--radius-lg);transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth);will-change:transform}.stat-card:hover{transform:translateY(-4px)}.stat-card__value{font-family:var(--font-heading);font-size:clamp(2rem,4vw,2.75rem);font-weight:800;color:var(--afs-orange);line-height:1;margin-bottom:var(--space-2);display:block}.stat-card__label{font-size:var(--text-sm);font-weight:500;color:var(--afs-text-mid);text-transform:uppercase;letter-spacing:.08em}.stat-card__value.is-counting{animation:stat-pop var(--dur-slow)var(--ease-spring)}@keyframes stat-pop{0%{transform:scale(.85);opacity:.5}60%{transform:scale(1.08)}100%{transform:scale(1);opacity:1}}.feature-item{display:flex;align-items:flex-start;gap:var(--space-4);padding:var(--space-4)0;border-bottom:1px solid rgba(224,224,224,.5);transition:transform var(--dur-fast)var(--ease-spring)}.feature-item:last-child{border-bottom:none}.feature-item:hover{transform:translateX(4px)}.feature-item__icon{width:40px;height:40px;border-radius:var(--radius-sm);background:var(--afs-orange-pale);display:flex;align-items:center;justify-content:center;color:var(--afs-orange);flex-shrink:0;font-size:18px;transition:background var(--dur-fast)var(--ease-smooth),color var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring)}.feature-item:hover .feature-item__icon{background:var(--afs-orange);color:#fff;transform:scale(1.1)}.feature-item--dark{border-bottom-color:rgba(255,255,255,.1)}.feature-item--dark .feature-item__icon{background:rgba(255,255,255,.12);color:rgba(255,255,255,.9)}.feature-item--dark:hover .feature-item__icon{background:var(--afs-orange);color:#fff}.hero{position:relative;min-height:100svh;display:flex;align-items:center;background:linear-gradient( 150deg,var(--afs-navy-dark) 0%,var(--afs-navy) 55%,var(--afs-navy-mid) 100% );overflow:hidden}.hero::before{content:'';position:absolute;top:-20%;right:-10%;width:70vw;height:70vw;background:radial-gradient(circle,rgba(36,104,168,.35) 0%,transparent 65%);pointer-events:none;animation:hero-glow-1 12s ease-in-out infinite}.hero::after{content:'';position:absolute;bottom:-10%;left:-15%;width:55vw;height:55vw;background:radial-gradient(circle,rgba(255,102,0,.12) 0%,transparent 65%);pointer-events:none;animation:hero-glow-2 15s ease-in-out infinite}@keyframes hero-glow-1{0%,100%{transform:translate(0,0)scale(1)}50%{transform:translate(-3%,5%)scale(1.08)}}@keyframes hero-glow-2{0%,100%{transform:translate(0,0)scale(1)}50%{transform:translate(4%,-6%)scale(1.1)}}.hero__content{position:relative;z-index:1;padding-block:calc(var(--nav-height) + var(--space-16))var(--space-16)}.hero__eyebrow{display:inline-flex;align-items:center;gap:var(--space-2);padding:var(--space-2)var(--space-4);background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.8);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);margin-bottom:var(--space-6)}.hero__title{font-family:var(--font-heading);font-size:var(--h1-size);font-weight:800;line-height:1.1;color:#fff;margin-bottom:var(--space-6)}.hero__title em{font-style:normal;background:linear-gradient(90deg,var(--afs-orange),var(--afs-orange-light));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.hero__subtitle{font-size:clamp(var(--text-base),2vw,var(--text-lg));color:rgba(255,255,255,.7);max-width:52ch;margin-bottom:var(--space-8);line-height:var(--leading-relaxed)}.hero__ctas{display:flex;flex-wrap:wrap;gap:var(--space-4);margin-bottom:var(--space-10)}.hero__trust{display:flex;flex-wrap:wrap;gap:var(--space-3);align-items:center}.hero__calc-card{padding:var(--space-6)var(--space-8);border-radius:var(--radius-xl);max-width:420px}.compliance-bar{background:var(--afs-navy-dark);padding:var(--space-3)0;border-bottom:1px solid rgba(255,255,255,8%)}.compliance-bar__inner{display:flex;flex-wrap:wrap;justify-content:center;gap:var(--space-2)var(--space-6);align-items:center}.compliance-bar__item{display:flex;align-items:center;gap:var(--space-2);font-size:var(--text-xs);font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.6)}.compliance-bar__item span{color:rgba(255,255,255,.9)}.compliance-bar__dot{width:4px;height:4px;border-radius:50%;background:rgba(255,255,255,.25);display:none}@media(min-width:640px){.compliance-bar__dot{display:block}}.stats-strip{background:var(--afs-warm-white);padding:var(--space-12)0}.stats-strip__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-4)}@media(min-width:640px){.stats-strip__grid{grid-template-columns:repeat(4,1fr)}}.section--navy{background:linear-gradient(160deg,var(--afs-navy-dark) 0%,var(--afs-navy) 100%);position:relative;overflow:hidden}.section--navy::before{content:'';position:absolute;top:-30%;right:-20%;width:60vw;height:60vw;background:radial-gradient(circle,rgba(36,104,168,.2) 0%,transparent 65%);pointer-events:none}.section--navy h2,.section--navy h3,.section--navy h4{color:#fff}.section--navy p{color:rgba(255,255,255,.7)}.section--gray{background:var(--afs-light-gray)}.section--orange{background:linear-gradient(135deg,var(--afs-orange) 0%,var(--afs-orange-light) 100%)}.section--orange h2,.section--orange p{color:#fff}.whatsapp-fab{position:fixed;bottom:calc(var(--bottom-nav-height) + var(--space-4));right:var(--space-4);z-index:var(--z-overlay);width:56px;height:56px;border-radius:50%;background:var(--afs-whatsapp);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,.4),0 2px 8px rgba(0,0,0,.15);cursor:pointer;text-decoration:none;transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth);will-change:transform;-webkit-tap-highlight-color:transparent}.whatsapp-fab:hover{transform:scale(1.12)rotate(-5deg);box-shadow:0 6px 28px rgba(37,211,102,.55),0 4px 12px rgba(0,0,0,.18)}.whatsapp-fab:active{transform:scale(.94)}.whatsapp-fab::before{content:'';position:absolute;inset:-4px;border-radius:50%;border:2px solid rgba(37,211,102,.5);animation:fab-ping 2.5s ease-out infinite}@keyframes fab-ping{0%{transform:scale(1);opacity:.7}80%{transform:scale(1.45);opacity:0}100%{transform:scale(1.45);opacity:0}}.whatsapp-fab__icon{width:28px;height:28px;fill:#fff}.whatsapp-fab__label{position:absolute;right:calc(100% + var(--space-3));white-space:nowrap;background:var(--afs-text-dark);color:#fff;font-size:var(--text-xs);font-weight:600;padding:var(--space-2)var(--space-3);border-radius:var(--radius-sm);opacity:0;pointer-events:none;transform:translateX(8px);transition:opacity var(--dur-base)var(--ease-smooth),transform var(--dur-base)var(--ease-smooth)}.whatsapp-fab:hover .whatsapp-fab__label{opacity:1;transform:translateX(0)}@media(min-width:768px){.whatsapp-fab{bottom:var(--space-8);right:var(--space-8);width:64px;height:64px}}.bottom-nav{position:fixed;bottom:0;left:0;right:0;z-index:var(--z-sticky);height:var(--bottom-nav-height);background:rgba(250,250,248,.95);border-top:1px solid rgba(224,224,224,.7);backdrop-filter:var(--blur-md);-webkit-backdrop-filter:var(--blur-md);display:flex;align-items:center;padding-bottom:env(safe-area-inset-bottom,0px);padding-bottom:max(env(safe-area-inset-bottom,0px),0px)}@media(min-width:768px){.bottom-nav{display:none}}.bottom-nav__inner{width:100%;display:flex;align-items:center;justify-content:space-around;height:100%}.bottom-nav__item{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;flex:1;height:100%;color:var(--afs-text-mid);font-size:10px;font-weight:500;letter-spacing:.02em;text-decoration:none;transition:color var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring);-webkit-tap-highlight-color:transparent;min-width:44px;min-height:44px;position:relative}.bottom-nav__item:active{transform:scale(.9)}.bottom-nav__icon{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;transition:stroke var(--dur-fast),transform var(--dur-base)var(--ease-spring)}.bottom-nav__item.is-active{color:var(--afs-navy)}.bottom-nav__item.is-active .bottom-nav__icon{stroke:var(--afs-navy);transform:translateY(-2px)}.bottom-nav__item.is-active::before{content:'';position:absolute;top:6px;left:50%;transform:translateX(-50%);width:32px;height:32px;background:rgba(26,79,138,8%);border-radius:50%}.bottom-nav__item--whatsapp{color:#fff}.bottom-nav__item--whatsapp .bottom-nav__icon-wrap{width:46px;height:46px;background:var(--afs-whatsapp);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(37,211,102,.4);margin-bottom:2px;margin-top:-10px;transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth)}.bottom-nav__item--whatsapp:active .bottom-nav__icon-wrap{transform:scale(.92)}.bottom-nav__item--whatsapp .bottom-nav__label{color:var(--afs-whatsapp);font-weight:600}[data-animate]{will-change:transform,opacity}[data-animate=fade-up]{opacity:0;transform:translateY(40px);transition:opacity var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-snappy)}[data-animate=fade-in]{opacity:0;transition:opacity var(--dur-slower)var(--ease-smooth)}[data-animate=slide-left]{opacity:0;transform:translateX(-48px);transition:opacity var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-snappy)}[data-animate=slide-right]{opacity:0;transform:translateX(48px);transition:opacity var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-snappy)}[data-animate=scale-in]{opacity:0;transform:scale(.88);transition:opacity var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-spring)}[data-animate=blur-in]{opacity:0;filter:blur(12px);transform:translateY(16px);transition:opacity var(--dur-slower)var(--ease-smooth),filter var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-snappy)}[data-animate].is-visible{opacity:1;transform:none;filter:none}[data-animate-group]>*{opacity:0;transform:translateY(28px);transition:opacity var(--dur-slower)var(--ease-smooth),transform var(--dur-slower)var(--ease-snappy);transition-delay:calc(var(--stagger-index,0) * 80ms)}[data-animate-group].is-visible>*{opacity:1;transform:none}[data-animate-group]>*:nth-child(1){--stagger-index:0}[data-animate-group]>*:nth-child(2){--stagger-index:1}[data-animate-group]>*:nth-child(3){--stagger-index:2}[data-animate-group]>*:nth-child(4){--stagger-index:3}[data-animate-group]>*:nth-child(5){--stagger-index:4}[data-animate-group]>*:nth-child(6){--stagger-index:5}[data-animate-group]>*:nth-child(7){--stagger-index:6}[data-animate-group]>*:nth-child(8){--stagger-index:7}[data-animate-group]>*:nth-child(9){--stagger-index:8}[data-animate-group]>*:nth-child(10){--stagger-index:9}[data-animate-group]>*:nth-child(11){--stagger-index:10}[data-animate-group]>*:nth-child(12){--stagger-index:11}.section-heading{overflow:hidden}.section-heading__inner{display:block;transform:translateY(100%);transition:transform var(--dur-slower)var(--ease-snappy)}.section-heading.is-visible .section-heading__inner{transform:translateY(0)}.timeline-strip{display:flex;gap:var(--space-4);overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;-ms-overflow-style:none;padding-block:var(--space-4);padding-inline:var(--space-4);cursor:grab}.timeline-strip::-webkit-scrollbar{display:none}.timeline-strip.is-dragging{cursor:grabbing}.timeline-item{scroll-snap-align:start;flex-shrink:0;width:180px;display:flex;flex-direction:column;align-items:center;gap:var(--space-3);text-align:center;padding:var(--space-5)var(--space-4);border-radius:var(--radius-lg);background:var(--glass-light-bg);border:1px solid rgba(255,255,255,.9);backdrop-filter:var(--blur-sm);-webkit-backdrop-filter:var(--blur-sm);box-shadow:var(--shadow-sm);transition:transform var(--dur-base)var(--ease-spring),box-shadow var(--dur-base)var(--ease-smooth)}.timeline-item:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.timeline-item__year{font-family:var(--font-heading);font-size:var(--text-2xl);font-weight:800;color:var(--afs-orange);line-height:1}.timeline-item__event{font-size:var(--text-sm);font-weight:600;color:var(--afs-navy-dark)}.timeline-item__dot{width:8px;height:8px;border-radius:50%;background:var(--afs-orange);margin-top:auto}.calc-tabs{display:flex;gap:var(--space-2);overflow-x:auto;scrollbar-width:none;padding-bottom:var(--space-2);margin-bottom:var(--space-6)}.calc-tabs::-webkit-scrollbar{display:none}.calc-tab{flex-shrink:0;padding:var(--space-2)var(--space-5);border-radius:var(--radius-full);font-size:var(--text-sm);font-weight:600;border:2px solid var(--afs-border);background:#fff;color:var(--afs-text-mid);cursor:pointer;white-space:nowrap;min-height:44px;transition:background var(--dur-fast)var(--ease-smooth),border-color var(--dur-fast)var(--ease-smooth),color var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring)}.calc-tab:hover{border-color:var(--afs-navy);color:var(--afs-navy);transform:translateY(-1px)}.calc-tab.is-active{background:var(--afs-navy);border-color:var(--afs-navy);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow-md)}.calc-result{background:linear-gradient(160deg,var(--afs-navy-dark) 0%,var(--afs-navy) 100%);border-radius:var(--radius-lg);padding:var(--space-8);position:relative;overflow:hidden}.calc-result::before{content:'';position:absolute;top:-40%;right:-20%;width:50%;height:80%;background:radial-gradient(circle,rgba(255,102,0,.18) 0%,transparent 65%);pointer-events:none}.calc-result__value{font-family:var(--font-heading);font-size:clamp(2rem,5vw,3rem);font-weight:800;color:var(--afs-orange);margin-bottom:var(--space-2)}.digest-section{background:linear-gradient( 135deg,var(--afs-navy-dark) 0%,#162d52 50%,var(--afs-navy) 100% );position:relative;overflow:hidden}.digest-section::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 20% 50%,rgba(255,102,0,.1) 0%,transparent 50%),radial-gradient(circle at 80% 20%,rgba(36,104,168,.25) 0%,transparent 50%);pointer-events:none}.digest-card{background:rgba(255,255,255,.97);border-radius:var(--radius-xl);padding:var(--space-8);box-shadow:var(--shadow-xl)}.afs-footer{background:var(--afs-navy-dark);padding-block:var(--space-16)var(--space-8);border-top:1px solid rgba(255,255,255,6%)}.afs-footer__grid{display:grid;grid-template-columns:1fr;gap:var(--space-8);margin-bottom:var(--space-12)}@media(min-width:640px){.afs-footer__grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:1024px){.afs-footer__grid{grid-template-columns:2fr 1fr 1fr 1fr}}.afs-footer__brand p{font-size:var(--text-sm);color:rgba(255,255,255,.5);margin-top:var(--space-4);line-height:var(--leading-relaxed);max-width:34ch}.afs-footer__col-title{font-family:var(--font-body);font-size:var(--text-xs);font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:var(--space-4)}.afs-footer__link{display:block;font-size:var(--text-sm);color:rgba(255,255,255,.65);padding:var(--space-1)0;transition:color var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring)}.afs-footer__link:hover{color:#fff;transform:translateX(4px)}.afs-footer__divider{border:none;border-top:1px solid rgba(255,255,255,8%);margin-bottom:var(--space-8)}.afs-footer__compliance{background:rgba(255,255,255,4%);border:1px solid rgba(255,255,255,8%);border-radius:var(--radius-md);padding:var(--space-5)var(--space-6);margin-bottom:var(--space-6)}.afs-footer__compliance p{font-size:var(--text-xs);color:rgba(255,255,255,.4);line-height:var(--leading-relaxed)}.afs-footer__compliance p+p{margin-top:var(--space-2)}.afs-footer__bottom{display:flex;flex-direction:column;gap:var(--space-3);align-items:center;text-align:center}@media(min-width:768px){.afs-footer__bottom{flex-direction:row;justify-content:space-between;text-align:left}}.afs-footer__bottom p{font-size:var(--text-xs);color:rgba(255,255,255,.3)}.afs-footer__social{display:flex;gap:var(--space-3)}.afs-footer__social-link{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,8%);border:1px solid rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.6);font-size:16px;transition:background var(--dur-fast)var(--ease-smooth),color var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring),border-color var(--dur-fast)var(--ease-smooth)}.afs-footer__social-link:hover{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.25);color:#fff;transform:translateY(-3px)}.form-group{display:flex;flex-direction:column;gap:var(--space-2)}.form-label{font-size:var(--text-sm);font-weight:600;color:var(--afs-text-dark)}.form-input,.form-select{width:100%;height:48px;padding:0 var(--space-4);border:2px solid var(--afs-border);border-radius:var(--radius-md);background:#fff;font-family:var(--font-body);font-size:var(--text-base);color:var(--afs-text-dark);outline:none;transition:border-color var(--dur-fast)var(--ease-smooth),box-shadow var(--dur-fast)var(--ease-smooth),transform var(--dur-fast)var(--ease-spring);appearance:none;-webkit-appearance:none}.form-input:focus,.form-select:focus{border-color:var(--afs-navy);box-shadow:0 0 0 4px rgba(26,79,138,.12);transform:translateY(-1px)}.form-input::placeholder{color:var(--afs-border)}.form-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:var(--radius-full);background:var(--afs-border);outline:none;cursor:pointer}.form-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--afs-navy);border:3px solid #fff;box-shadow:var(--shadow-sm);cursor:pointer;transition:transform var(--dur-fast)var(--ease-spring)}.form-range::-webkit-slider-thumb:hover{transform:scale(1.25)}.form-range::-webkit-slider-thumb:active{transform:scale(1.4)}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.truncate{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.line-clamp-2{display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}.line-clamp-3{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.callout{border-left:4px solid var(--afs-orange);padding:var(--space-4)var(--space-5);background:var(--afs-orange-pale);border-radius:0 var(--radius-md)var(--radius-md)0;font-size:var(--text-sm);color:var(--afs-text-dark)}.callout--dark{background:rgba(255,102,0,.1);border-left-color:var(--afs-orange-light);color:rgba(255,255,255,.85)}.text-success{color:var(--afs-success)}.text-error{color:#d32f2f}.badge{display:inline-flex;align-items:center;padding:3px var(--space-2);border-radius:var(--radius-full);font-size:var(--text-xs);font-weight:700;letter-spacing:.06em}.badge--orange{background:var(--afs-orange-pale);color:var(--afs-orange)}.badge--navy{background:rgba(26,79,138,.1);color:var(--afs-navy)}.badge--success{background:rgba(26,122,74,.1);color:var(--afs-success)}.divider{border:none;border-top:1px solid var(--afs-border);margin-block:var(--space-6)}.swipe-container{overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;scrollbar-width:none;-ms-overflow-style:none;-webkit-overflow-scrolling:touch}.swipe-container::-webkit-scrollbar{display:none}.swipe-track{display:flex;gap:var(--space-4);padding-inline:var(--space-4);width:max-content}.swipe-item{scroll-snap-align:start;flex-shrink:0;width:calc(100vw - var(--space-10))}@media(min-width:640px){.swipe-item{width:340px}}@media(min-width:1024px){.swipe-container{overflow-x:visible}.swipe-track{display:grid;grid-template-columns:repeat(3,1fr);width:auto;padding-inline:0}.swipe-item{width:auto}}.swipe-dots{display:flex;justify-content:center;gap:var(--space-2);margin-top:var(--space-6)}@media(min-width:1024px){.swipe-dots{display:none}}.swipe-dot{width:8px;height:8px;border-radius:var(--radius-full);background:var(--afs-border);cursor:pointer;transition:background var(--dur-fast)var(--ease-smooth),width var(--dur-base)var(--ease-spring)}.swipe-dot.is-active{background:var(--afs-navy);width:24px}.page-transition{position:fixed;inset:0;z-index:var(--z-modal);background:var(--afs-navy-dark);transform:translateY(100%);transition:transform .4s var(--ease-snappy);pointer-events:none}.page-transition.is-entering{transform:translateY(0);pointer-events:all}.page-transition.is-leaving{transform:translateY(-100%)}.skip-link{position:absolute;top:var(--space-4);left:var(--space-4);z-index:var(--z-modal);padding:var(--space-3)var(--space-5);background:var(--afs-orange);color:#fff;font-weight:700;border-radius:var(--radius-md);transform:translateY(-120%);transition:transform var(--dur-base)var(--ease-spring)}.skip-link:focus{transform:translateY(0);outline:3px solid #fff;outline-offset:2px}@media(min-width:640px){:root{--section-pad-y:var(--space-20)}.hero__title{letter-spacing:-.02em}.stats-strip__grid{grid-template-columns:repeat(4,1fr)}.afs-footer__grid{grid-template-columns:repeat(2,1fr)}}@media(min-width:768px){:root{--container-pad:var(--space-8);--section-pad-y:var(--space-24)}.hero{min-height:90svh}.hero__content{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-12);align-items:center}.hero__calc-card{max-width:none}.afs-footer__grid{grid-template-columns:repeat(3,1fr)}.btn{min-height:44px}}@media(min-width:1024px){:root{--container-pad:var(--space-10)}.hero{min-height:100svh}.services-grid{grid-template-columns:repeat(3,1fr)}.tools-grid{grid-template-columns:repeat(3,1fr)}.why-grid{grid-template-columns:1fr 1fr;gap:var(--space-16);align-items:start}.afs-footer__grid{grid-template-columns:2fr 1fr 1fr 1fr}.page-with-sidebar{display:grid;grid-template-columns:1fr 320px;gap:var(--space-12);align-items:start}.sidebar{position:sticky;top:calc(var(--banner-height) + var(--nav-height) + var(--space-6))}}@media(min-width:1280px){:root{--container-pad:var(--space-12);--section-pad-y:var(--space-24)}.hero__content{grid-template-columns:5fr 4fr;gap:var(--space-20)}.blog-grid{grid-template-columns:repeat(2,1fr)}}@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}[data-animate],[data-animate-group]>*,.section-heading__inner{opacity:1!important;transform:none!important;filter:none!important}.btn:hover{transform:none}.service-card:hover{transform:none}.blog-card:hover{transform:none}.testimonial-card:hover{transform:none}.whatsapp-fab::before{animation:none}.btn--whatsapp .btn-icon{animation:none}.hero::before,.hero::after{animation:none}}@media print{.afs-nav,.afs-banner,.bottom-nav,.whatsapp-fab,.afs-nav__drawer{display:none!important}body{padding-bottom:0;color:#000;background:#fff}.glass-card,.glass-card--dark,.service-card,.testimonial-card{backdrop-filter:none;-webkit-backdrop-filter:none;background:#fff;border:1px solid #ccc;box-shadow:none}.section--navy,.hero{background:var(--afs-navy)!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}}