.section-servicios{
    background: radial-gradient(1100px 480px at 10% -10%, rgba(31,111,154,.14), transparent 60%),
                radial-gradient(900px 420px at 95% 0%, rgba(214,162,26,.12), transparent 60%),
                linear-gradient(180deg, var(--surface), var(--bg));
    padding: 64px 0;
  }

  .serv-wrap{
    width: min(1100px, 100%);
    margin: 0 auto;
  }

  .serv-header{
    max-width: 900px;
    margin-bottom: 16px;
  }

  .badge{
    display: inline-block;
    padding: 6px 10px;
    border-radius: 999px;
    font-weight: 900;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: var(--asefh-blue-dark);
    background: rgba(31,111,154,.12);
    margin-bottom: 10px;
  }

  .serv-header h2{
    margin: 0 0 8px 0;
    font-size: clamp(26px, 3vw, 38px);
    color: var(--text);
  }

  .serv-header p{
    margin: 0;
    color: var(--muted);
    line-height: 1.7;
  }

  .serv-grid{
    display: grid;
    grid-template-columns: .95fr 1.35fr;
    gap: 16px;
    margin-top: 16px;
  }

  .side-card{
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 16px;
    position: sticky;
    top: 16px;
  }

  .side-card h3{
    margin: 0 0 8px 0;
    color: var(--text);
    font-size: 16px;
  }

  .side-card p{
    margin: 0 0 12px 0;
    color: var(--muted);
    line-height: 1.7;
  }

  .mini-box{
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 12px;
    background: var(--field-bg);
    margin-bottom: 12px;
  }

  .mini-title{
    margin: 0 0 8px 0;
    font-weight: 900;
    color: var(--text);
  }

  .mini-box ul{
    margin: 0;
    padding-left: 18px;
    color: var(--muted);
    line-height: 1.65;
  }

  .cta-note{
    border-radius: var(--radius);
    padding: 12px;
    border: 1px solid rgba(31,111,154,.25);
    background: rgba(31,111,154,.08);
    color: var(--asefh-blue-dark);
    line-height: 1.6;
    font-size: 14px;
  }

  .serv-accordion{
    display: grid;
    gap: 12px;
  }

  .acc-item{
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 18px;
    box-shadow: var(--shadow);
    overflow: hidden;
  }

  .acc-item summary{
    cursor: pointer;
    list-style: none;
    padding: 14px;
    font-weight: 900;
    color: var(--text);
    position: relative;
  }

  .acc-item summary::-webkit-details-marker{ display: none; }

  .acc-item summary::after{
    content:"+";
    position: absolute;
    right: 14px;
    top: 12px;
    width: 30px;
    height: 30px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    color: var(--asefh-blue-dark);
    background: rgba(214,162,26,.18);
    border: 1px solid rgba(214,162,26,.35);
    font-weight: 900;
  }

  .acc-item[open] summary::after{
    content:"–";
  }

  .acc-item summary::before{
    content:"";
    position:absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, var(--asefh-blue-dark), var(--asefh-gold));
  }

  .acc-content{
    padding: 12px 14px 16px;
    border-top: 1px solid var(--border);
  }

  .muted{
    margin: 0 0 10px 0;
    color: var(--muted);
    line-height: 1.7;
  }

  .acc-subtitle{
    margin: 12px 0 8px 0;
    font-size: 14px;
    color: var(--text);
    font-weight: 900;
  }

  .list{
    margin: 0;
    padding-left: 18px;
    color: var(--muted);
    line-height: 1.65;
  }

  .acc-item.warning{
    border-color: rgba(214,162,26,.45);
  }

  @media (max-width: 940px){
    .serv-grid{ grid-template-columns: 1fr; }
    .side-card{ position: relative; top: 0; }
  }