.cto-sec{padding:24px 0 40px}.cto-grid{grid-template-columns:minmax(0,1fr);grid-template-areas:"intro""form""pasos""garantias";gap:22px;display:grid}.cto-intro{grid-area:intro;min-width:0}.cto-form{grid-area:form;min-width:0}.cto-pasos{grid-area:pasos;min-width:0}.cto-garantias{grid-area:garantias;min-width:0}.cto-eyebrow{color:var(--primary);letter-spacing:.08em;text-transform:uppercase;margin:0 0 8px;font-size:.74rem;font-weight:800}.cto-h1{letter-spacing:-.025em;max-width:20ch;color:var(--text);text-wrap:balance;margin:0 0 10px;font-size:clamp(1.55rem,6.4vw,2rem);font-weight:800;line-height:1.1}.cto-bajada{max-width:52ch;color:var(--muted);margin:0;font-size:.97rem;line-height:1.55}.cto-form .bl-il{box-shadow:var(--shadow)}.cto-oculto{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.cto-h2{letter-spacing:-.015em;color:var(--text);margin:0 0 14px;font-size:1.2rem;font-weight:800;line-height:1.2}.cto-lista{gap:16px;margin:0;padding:0;list-style:none;display:grid;position:relative}.cto-lista:before{content:"";background:var(--border);width:2px;position:absolute;top:16px;bottom:16px;left:15px}.cto-paso{grid-template-columns:32px minmax(0,1fr);align-items:start;gap:14px;display:grid;position:relative}.cto-num{z-index:1;background:var(--card);border:1.5px solid var(--primary);width:32px;height:32px;color:var(--primary);border-radius:50%;place-items:center;font-size:.9rem;font-weight:800;display:grid;position:relative}.cto-paso h3{color:var(--text);margin:5px 0 3px;font-size:1rem;font-weight:750;line-height:1.3}.cto-paso p{color:var(--muted);margin:0;font-size:.92rem;line-height:1.5}.cto-garantias{border:1px solid var(--border);background:var(--card);border-radius:16px;margin:0;padding:0;list-style:none;display:grid}.cto-garantia{color:var(--muted);grid-template-columns:36px minmax(0,1fr);align-content:start;align-items:start;gap:12px;padding:14px 16px;font-size:.88rem;line-height:1.45;display:grid}.cto-garantia+.cto-garantia{border-top:1px solid var(--border)}.cto-garantia b{color:var(--text);margin-bottom:1px;font-size:.93rem;font-weight:750;display:block}.cto-garantia-ico{background:var(--primary-soft);width:36px;height:36px;color:var(--primary);border-radius:11px;place-items:center;display:grid}.cto-ico{display:block}.cto-widget{padding:0 0 32px}.cto-empresas{border-top:1px solid var(--border);color:var(--muted);text-align:center;margin:0 0 40px;padding-top:20px;font-size:.92rem;line-height:1.5}.cto-empresas a{color:var(--primary);white-space:nowrap;font-weight:700}.cto-empresas a:hover{text-decoration:underline}@media (min-width:960px){.cto-sec{padding:64px 0 56px}.cto-grid{grid-template:"intro form""pasos form""garantias form"1fr/minmax(0,1fr) minmax(0,500px);gap:32px clamp(40px,6vw,88px)}.cto-form,.cto-garantias{align-self:start}.cto-h1{font-size:clamp(2.2rem,3.2vw,2.8rem);line-height:1.06}.cto-bajada{font-size:1.05rem}.cto-h2{font-size:1.3rem}.cto-garantias{grid-template-columns:repeat(3,minmax(0,1fr))}.cto-garantia{grid-template-columns:minmax(0,1fr);gap:10px;padding:16px 18px}.cto-garantia+.cto-garantia{border-top:0;border-left:1px solid var(--border)}.cto-empresas{margin-bottom:56px}}.cto-grid:not(:has(.cto-form>div)) .cto-form{display:none}@media (min-width:960px){.cto-grid:not(:has(.cto-form>div)){grid-template:"intro""pasos""garantias"/minmax(0,720px)}}