.convenios{padding:80px 0;background:var(--white)}.conv-intro{text-align:center;max-width:600px;margin:0 auto 56px}.conv-intro h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:800;color:var(--azul);margin-bottom:12px;line-height:1.2}.conv-intro p{font-size:.9rem;color:var(--g500);line-height:1.7}.conv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:960px;margin:0 auto}.conv-card{background:var(--white);border-radius:var(--r);border:1px solid var(--g100);padding:40px 28px;text-align:center;transition:.3s;position:relative;overflow:hidden}.conv-card:hover{transform:translateY(-5px);box-shadow:var(--s2);border-color:transparent}.conv-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;border-radius:var(--r) var(--r) 0 0}.conv-card:nth-child(1)::before{background:linear-gradient(90deg,#003087,#0066cc)}.conv-card:nth-child(2)::before{background:linear-gradient(90deg,#d4006a,#ff4d94)}.conv-card:nth-child(3)::before{background:linear-gradient(90deg,#cc0000,#ff3333)}.conv-icon{width:64px;height:64px;border-radius:16px;display:inline-flex;align-items:center;justify-content:center;margin-bottom:20px;font-size:1.5rem}.conv-card:nth-child(1) .conv-icon{background:#e8f0fe;color:#003087}.conv-card:nth-child(2) .conv-icon{background:#fce4ef;color:#d4006a}.conv-card:nth-child(3) .conv-icon{background:#fee8e8;color:#cc0000}.conv-card h3{font-size:1rem;font-weight:800;color:var(--azul);margin-bottom:6px}.conv-lab{font-size:.72rem;font-weight:600;color:var(--g500);text-transform:uppercase;letter-spacing:1px;margin-bottom:16px}.conv-card p{font-size:.82rem;color:var(--g500);line-height:1.7}.como{padding:80px 0;background:var(--off)}.como-head{text-align:center;margin-bottom:48px}.como-head h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:800;color:var(--azul);margin-bottom:8px}.como-head p{font-size:.88rem;color:var(--g500);max-width:420px;margin:0 auto;line-height:1.7}.como-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:800px;margin:0 auto}.como-step{text-align:center}.como-num{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:800;margin-bottom:14px}.como-step h4{font-size:.82rem;font-weight:700;color:var(--azul);margin-bottom:6px}.como-step p{font-size:.75rem;color:var(--g500);line-height:1.6}@media(max-width:900px){.conv-grid{grid-template-columns:1fr}.como-steps{grid-template-columns:1fr}}@media(max-width:640px){.convenios{padding:56px 0}.como{padding:56px 0}}