/* ============================================================================
   DESIGN TOKENS — paleta propia, contraste garantizado con CSS real (no clases
   de utilidad "arbitrarias" que puedan no compilarse en algunos entornos).
============================================================================ */
:root{
  --ink:#0B0F19; --ink-soft:#5B6472; --ink-mute:#6B7382;
  --bg:#F7F8FB; --surface:#FFFFFF; --surface-2:#F1F3F8; --surface-3:#EAECF3;
  --border:#E6E8F0; --border-soft:#EFF1F6;
  --brand:#2A3EF0; --brand-dark:#1F2FC0; --brand-soft:#EDEFFE; --brand-line:#C7CCFA;
  --accent:#00B893; --accent-dark:#00795F; --accent-soft:#E1FAF3; --accent-line:#9FE8D6;
  --gold:#8A6116; --gold-soft:#FBF1DE; --gold-line:#EAD3A0;
  --danger:#D93036; --danger-soft:#FDECEC; --danger-line:#F6C4C4;
  --warn:#9A5A08; --warn-soft:#FEF3E1; --warn-line:#F3D49D;
  --r-lg:22px; --r-md:16px; --r-sm:11px;
  --shadow-sm:0 1px 2px rgba(11,15,25,.04), 0 2px 8px rgba(11,15,25,.04);
  --shadow-md:0 4px 16px rgba(11,15,25,.06), 0 12px 32px rgba(11,15,25,.06);
  --shadow-lg:0 12px 32px rgba(11,15,25,.10), 0 24px 64px rgba(11,15,25,.10);
  --font-sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --font-serif:'Fraunces',Georgia,serif;
  --nav-h:68px;
  color-scheme: light;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
html,body{background:var(--bg);color:var(--ink);}
body{font-family:var(--font-sans);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;-webkit-tap-highlight-color:transparent;}
img,svg{display:block;max-width:100%;}
a{color:inherit;text-decoration:none;}
button,input,select,textarea{font-family:inherit;color-scheme:light;}
button{cursor:pointer;}
input,select,textarea{background:#fff;color:var(--ink);}
input:focus-visible,button:focus-visible,select:focus-visible,a:focus-visible,summary:focus-visible{outline:2px solid var(--brand);outline-offset:2px;}
::selection{background:var(--brand-soft);color:var(--brand-dark);}
[hidden]{display:none !important;}

/* ---------- accesibilidad ---------- */
.skip-link{position:absolute;left:12px;top:-80px;z-index:600;background:var(--ink);color:#fff;padding:10px 14px;border-radius:10px;font-weight:700;font-size:14px;}
.skip-link:focus{top:12px;}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}

/* ---------- layout helpers ---------- */
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 24px;}
.container-narrow{width:100%;max-width:760px;margin:0 auto;padding:0 24px;}
.container-article{width:100%;max-width:780px;margin:0 auto;padding:0 24px;}
.page{padding-top:calc(var(--nav-h) + 28px);padding-bottom:80px;min-height:100vh;}
.stack{display:flex;flex-direction:column;}
.row{display:flex;align-items:center;}
.between{justify-content:space-between;}
.wrap{flex-wrap:wrap;}
.gap-8{gap:8px;} .gap-10{gap:10px;} .gap-12{gap:12px;} .gap-16{gap:16px;} .gap-20{gap:20px;} .gap-24{gap:24px;}
.mb-8{margin-bottom:8px;} .mb-12{margin-bottom:12px;} .mb-16{margin-bottom:16px;} .mb-20{margin-bottom:20px;}
.mb-24{margin-bottom:24px;} .mb-32{margin-bottom:32px;} .mb-40{margin-bottom:40px;} .mb-48{margin-bottom:48px;}
.mt-8{margin-top:8px;} .mt-16{margin-top:16px;} .mt-24{margin-top:24px;} .mt-40{margin-top:40px;}
.muted{color:var(--ink-soft);} .mute{color:var(--ink-mute);}
.center{text-align:center;}
.grid{display:grid;gap:16px;}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr));}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr));}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr));}
.grid-auto{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));}
@media(max-width:900px){ .grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr));} }
@media(max-width:640px){ .grid-2,.grid-3,.grid-4{grid-template-columns:1fr;} .container,.container-narrow,.container-article{padding:0 18px;} }
.hidden{display:none !important;}
.eyebrow{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-dark);background:var(--brand-soft);border:1px solid var(--brand-line);border-radius:999px;padding:6px 13px;}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--accent);}
.section-kicker{font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:8px;}
.section-title{font-family:var(--font-serif);font-size:clamp(24px,3.4vw,34px);font-weight:500;letter-spacing:-0.02em;line-height:1.15;}
.section-title em{font-style:italic;color:var(--brand);}
.section-desc{color:var(--ink-soft);font-size:15px;max-width:560px;margin-top:8px;}

/* ---------- cards ---------- */
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow-sm);}
.card-pad{padding:24px;}
.card-hover{transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;}
.card-hover:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--brand-line);}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:12px;font-weight:700;font-size:14.5px;padding:13px 22px;border:1.5px solid transparent;transition:background-color .15s,border-color .15s,color .15s,transform .05s;white-space:nowrap;}
.btn:active{transform:scale(.98);}
.btn-block{width:100%;}
.btn-sm{padding:9px 15px;font-size:13.5px;border-radius:10px;}
.btn-primary{background:var(--brand);color:#fff;}
.btn-primary:hover{background:var(--brand-dark);}
.btn-primary:disabled{background:#B9C0F8;cursor:not-allowed;}
.btn-secondary{background:#fff;color:var(--ink);border-color:var(--border);}
.btn-secondary:hover{background:var(--surface-2);}
.btn-ghost{background:transparent;color:var(--ink-soft);border-color:transparent;}
.btn-ghost:hover{background:var(--surface-2);color:var(--ink);}
.btn-danger{background:var(--danger);color:#fff;}
.btn-danger:hover{background:#B8282D;}
.btn-danger-ghost{background:transparent;color:var(--danger);}
.btn-danger-ghost:hover{background:var(--danger-soft);}
.btn-on-dark{background:#FFFFFF;color:var(--ink);}
.btn-on-dark:hover{background:var(--accent);color:#fff;}
.btn-outline-on-dark{background:transparent;color:#fff;border-color:rgba(255,255,255,.4);}
.btn-outline-on-dark:hover{background:rgba(255,255,255,.1);}
.icon-btn{width:34px;height:34px;border-radius:10px;border:none;background:transparent;display:inline-flex;align-items:center;justify-content:center;color:var(--ink-soft);flex-shrink:0;}
.icon-btn:hover{background:var(--surface-2);}
.icon-btn.danger{color:var(--danger);}
.icon-btn.danger:hover{background:var(--danger-soft);}
.link-brand{color:var(--brand);font-weight:700;}
.link-brand:hover{text-decoration:underline;}

/* ---------- chips / pills ---------- */
.chip{display:inline-block;padding:9px 15px;border-radius:999px;font-size:13.5px;font-weight:600;background:var(--surface-2);color:var(--ink-soft);border:1.5px solid transparent;}
.chip:hover{background:var(--surface-3);}
a.chip:hover{background:var(--brand-soft);color:var(--brand-dark);}
.chip.active{background:var(--brand);color:#fff;border-color:var(--brand);}
.chip-row{display:flex;flex-wrap:wrap;gap:8px;}
.badge{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;border-radius:999px;font-size:11.5px;font-weight:700;}
.badge-brand{background:var(--brand-soft);color:var(--brand-dark);}
.badge-accent{background:var(--accent-soft);color:var(--accent-dark);}
.badge-gold{background:var(--gold-soft);color:var(--gold);}
.badge-danger{background:var(--danger-soft);color:var(--danger);}
.badge-warn{background:var(--warn-soft);color:var(--warn);}
.badge-neutral{background:var(--surface-2);color:var(--ink-soft);}

/* ---------- inputs ---------- */
.field{margin-bottom:16px;}
.field label{display:block;font-size:12.5px;font-weight:700;color:var(--ink-soft);margin-bottom:7px;}
.input, .select{width:100%;padding:12px 14px;border-radius:11px;border:1.5px solid var(--border);font-size:15px;color:var(--ink);background:#fff;}
.input:focus,.select:focus{border-color:var(--brand);}
.select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235B6472' stroke-width='2.3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:36px;}
.input-lg{font-family:var(--font-serif);font-size:38px;font-weight:500;text-align:center;border:none;background:transparent;width:100%;padding:6px 0;}
.input-lg-wrap{border:1.5px solid var(--border);border-radius:16px;background:#fff;padding:4px 12px;}
.input-lg-wrap:focus-within{border-color:var(--brand);}
.suffix{text-align:center;font-size:12.5px;color:var(--ink-mute);margin-top:2px;}
.cat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;}
.cat-btn{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;padding:12px 6px;border-radius:12px;background:var(--surface-2);border:1.5px solid transparent;color:var(--ink-soft);font-size:12px;font-weight:700;text-align:center;}
.cat-btn .emoji{font-size:18px;}
.cat-btn:hover{background:var(--surface-3);}
.cat-btn.active{background:var(--brand-soft);border-color:var(--brand);color:var(--brand-dark);}

/* ---------- progress ---------- */
.progress-track{height:9px;border-radius:6px;background:var(--surface-2);overflow:hidden;}
.progress-fill{height:100%;border-radius:6px;transition:width .5s cubic-bezier(.2,.7,.3,1);}
.progress-track.thin{height:6px;}

/* ---------- navbar ---------- */
.navbar{position:fixed;top:0;left:0;right:0;height:var(--nav-h);z-index:200;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--border);}
.navbar-inner{max-width:1160px;margin:0 auto;height:100%;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:12px;}
.logo{display:flex;align-items:center;gap:9px;font-family:var(--font-serif);font-weight:600;font-size:20px;letter-spacing:-0.01em;color:var(--ink);}
.logo .mark{width:30px;height:30px;border-radius:9px;background:linear-gradient(135deg,var(--brand),var(--accent));display:flex;align-items:center;justify-content:center;color:#fff;font-size:14px;font-weight:800;font-family:var(--font-sans);flex-shrink:0;}
.logo .mark svg{stroke-width:2.6;}
.logo em{font-style:italic;color:var(--brand);}
.logo-footer em{color:var(--accent);}
.logo{white-space:nowrap;}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-link{display:inline-flex;align-items:center;padding:9px 12px;border-radius:10px;font-size:14px;font-weight:600;color:var(--ink-soft);background:transparent;border:none;}
.nav-link:hover{background:var(--surface-2);color:var(--ink);}
.nav-link.active{color:var(--brand-dark);background:var(--brand-soft);}
.nav-actions{display:flex;align-items:center;gap:8px;}
.nav-burger{display:none;width:40px;height:40px;border-radius:10px;border:1px solid var(--border);background:#fff;align-items:center;justify-content:center;color:var(--ink);}
@media(max-width:1140px){
  .nav-links{display:none;}
  .nav-burger{display:flex;}
}
@media(max-width:420px){ .logo{font-size:17px;} .nav-actions .btn{padding:8px 11px;font-size:12.5px;} }
.mobile-menu{position:fixed;top:var(--nav-h);left:0;right:0;bottom:0;background:#fff;z-index:190;padding:20px;overflow-y:auto;transform:translateY(-8px);opacity:0;visibility:hidden;transition:transform .18s ease, opacity .18s ease, visibility 0s linear .18s;}
.mobile-menu.open{transform:translateY(0);opacity:1;visibility:visible;transition:transform .18s ease, opacity .18s ease;}
.mobile-menu .nav-link{display:block;font-size:16px;padding:14px 12px;border-bottom:1px solid var(--border-soft);border-radius:0;}
@media(min-width:1141px){ .mobile-menu{display:none;} }

/* ---------- hero ---------- */
.hero{position:relative;background:radial-gradient(1100px 520px at 15% -10%, rgba(42,62,240,.55), transparent 60%), radial-gradient(900px 460px at 100% 0%, rgba(0,184,147,.35), transparent 55%), var(--ink);color:#fff;padding:calc(var(--nav-h) + 76px) 0 90px;overflow:hidden;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
@media(max-width:960px){ .hero-grid{grid-template-columns:1fr;gap:44px;} }
.hero-title{font-family:var(--font-serif);font-weight:500;font-size:clamp(34px,5.4vw,58px);line-height:1.06;letter-spacing:-0.03em;margin:18px 0 20px;}
.hero-title em{font-style:italic;color:var(--accent);}
.hero-desc{color:rgba(255,255,255,.78);font-size:16.5px;max-width:520px;margin-bottom:32px;line-height:1.7;}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;}
.hero-trust{display:flex;gap:22px;margin-top:40px;flex-wrap:wrap;list-style:none;}
.hero-trust-item{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.72);font-size:13px;font-weight:600;}

/* mock preview visual (ilustración construida en CSS) */
.mock-wrap{position:relative;}
.mock-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:22px;backdrop-filter:blur(6px);box-shadow:0 30px 80px rgba(0,0,0,.35);}
.mock-glass{background:rgba(255,255,255,.95);border-radius:18px;padding:20px;color:var(--ink);}
.mock-label{font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:6px;}
.mock-amount{font-family:var(--font-serif);font-size:32px;font-weight:500;letter-spacing:-0.02em;color:var(--ink);}
.mock-row{display:flex;justify-content:space-between;margin-top:14px;padding-top:14px;border-top:1px solid var(--border-soft);font-size:12.5px;}
.mock-bars{display:flex;align-items:flex-end;gap:6px;height:56px;margin-top:16px;}
.mock-bars .bar{flex:1;background:linear-gradient(180deg,var(--brand),var(--accent));border-radius:5px 5px 2px 2px;opacity:.85;}
.mock-float{position:absolute;background:#fff;border-radius:16px;padding:12px 15px;box-shadow:0 16px 40px rgba(0,0,0,.25);display:flex;align-items:center;gap:10px;color:var(--ink);}
.mock-float .ico{width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:15px;}
.orb{position:absolute;border-radius:50%;filter:blur(60px);opacity:.5;pointer-events:none;}

/* ---------- animations ---------- */
@keyframes fadeUp{from{opacity:0;transform:translateY(18px);}to{opacity:1;transform:translateY(0);}}
@keyframes fadeIn{from{opacity:0;}to{opacity:1;}}
@keyframes floatY{0%,100%{transform:translateY(0);}50%{transform:translateY(-9px);}}
@keyframes slideUp{from{transform:translateY(24px);opacity:0;}to{transform:translateY(0);opacity:1;}}
@keyframes spin{to{transform:rotate(360deg);}}
/* Solo se oculta con JavaScript activo: sin JS (o para un rastreador) el contenido es visible. */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease, transform .6s ease;}
.js .reveal.in{opacity:1;transform:translateY(0);}
.floaty{animation:floatY 5s ease-in-out infinite;}
@media (prefers-reduced-motion: reduce){ .floaty{animation:none;} .js .reveal{opacity:1;transform:none;transition:none;} html{scroll-behavior:auto;} }

/* ---------- feature grid (landing) ---------- */
.home-section{padding-top:76px;}
.feature-card{display:block;padding:26px;position:relative;overflow:hidden;}
.feature-ico{width:46px;height:46px;border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:21px;margin-bottom:16px;}
.feature-title{display:block;font-weight:700;font-size:16.5px;margin-bottom:6px;color:var(--ink);}
.feature-desc{display:block;color:var(--ink-soft);font-size:13.5px;line-height:1.65;}
.feature-arrow{position:absolute;right:22px;top:24px;color:var(--ink-mute);opacity:0;transform:translateX(-4px);transition:opacity .15s, transform .15s;}
.feature-card:hover .feature-arrow{opacity:1;transform:translateX(0);}
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:28px;}

/* ---------- module tiles (home, personalized) ---------- */
.module-tile{padding:20px;}
.module-kicker{font-size:11px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:10px;display:flex;align-items:center;gap:6px;}
.module-title{font-weight:800;font-size:16px;margin-bottom:6px;}

/* ---------- stat tiles ---------- */
.stat-tile{padding:20px;}
.stat-label{font-size:12px;font-weight:700;color:var(--ink-mute);margin-bottom:8px;display:flex;align-items:center;gap:6px;}
.stat-value{font-family:var(--font-serif);font-size:27px;font-weight:500;letter-spacing:-0.02em;}
.stat-sub{font-size:12px;color:var(--ink-mute);margin-top:4px;}
.good{color:var(--accent-dark);} .bad{color:var(--danger);} .warn{color:var(--warn);}

/* ---------- rows (expenses / incomes / holdings) ---------- */
.list-row{display:flex;align-items:center;gap:12px;padding:13px 0;}
.list-row + .list-row{border-top:1px solid var(--border-soft);}
.emoji-badge{width:36px;height:36px;border-radius:11px;background:var(--surface-2);display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;}
.row-info{flex:1;min-width:0;}
.row-title{font-size:14.5px;font-weight:700;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
.row-meta{font-size:12px;color:var(--ink-mute);}
.row-amount{font-size:15px;font-weight:800;white-space:nowrap;}
.row-actions{display:flex;gap:2px;flex-shrink:0;}

/* ---------- empty states ---------- */
.empty-state{text-align:center;padding:34px 18px;color:var(--ink-soft);}
.empty-state .emoji{font-size:30px;margin-bottom:10px;}
.empty-state p{font-size:13.5px;max-width:320px;margin:0 auto 14px;}

/* ---------- tips ---------- */
.tip{display:flex;gap:11px;align-items:flex-start;padding:14px 15px;border-radius:13px;font-size:13.5px;line-height:1.6;border-left:4px solid transparent;}
.tip svg{flex-shrink:0;margin-top:2px;}
.tip-info{background:var(--brand-soft);border-left-color:var(--brand);color:#293896;}
.tip-success{background:var(--accent-soft);border-left-color:var(--accent);color:#04604C;}
.tip-warn{background:var(--warn-soft);border-left-color:var(--warn);color:#7A4808;}
.tip-bad{background:var(--danger-soft);border-left-color:var(--danger);color:#9A2226;}

/* ---------- donut (CSS conic-gradient, sin librerías) ---------- */
.donut{width:150px;height:150px;border-radius:50%;position:relative;flex-shrink:0;}
.donut::after{content:'';position:absolute;inset:20px;background:var(--surface);border-radius:50%;}
.donut-center{position:absolute;inset:20px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;z-index:1;}
.legend-row{display:flex;align-items:center;gap:9px;font-size:13px;padding:6px 0;}
.legend-dot{width:10px;height:10px;border-radius:3px;flex-shrink:0;}

/* ---------- modal ---------- */
.overlay{position:fixed;inset:0;background:rgba(11,15,25,.5);display:flex;align-items:flex-end;justify-content:center;z-index:300;}
.modal{background:#fff;width:100%;max-width:520px;border-radius:24px 24px 0 0;max-height:92vh;overflow-y:auto;padding:22px 22px 28px;animation:slideUp .18s ease-out;}
@media(min-width:640px){ .overlay{align-items:center;} .modal{border-radius:22px;margin:20px;} }
.modal-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px;}
.modal-title{font-family:var(--font-serif);font-size:20px;font-weight:500;}
.modal-actions{display:flex;gap:10px;margin-top:6px;}

/* ---------- toast ---------- */
.toast-wrap{position:fixed;bottom:26px;left:0;right:0;display:flex;justify-content:center;z-index:400;pointer-events:none;padding:0 18px;}
.toast{background:var(--ink);color:#fff;padding:13px 17px;border-radius:13px;font-size:13.5px;font-weight:600;display:flex;align-items:center;gap:14px;box-shadow:0 10px 26px rgba(0,0,0,.28);pointer-events:auto;animation:fadeIn .15s ease-out;}
.toast button{color:#9FB0FF;font-weight:800;background:none;border:none;font-size:13.5px;}

/* ---------- footer ---------- */
.site-footer{background:var(--ink);color:rgba(255,255,255,.66);padding:52px 0 30px;}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px;margin-bottom:36px;}
@media(max-width:900px){ .footer-grid{grid-template-columns:repeat(2,1fr);} }
.footer-col-title{color:#fff;font-weight:700;font-size:13px;margin-bottom:14px;}
.footer-link{display:block;color:rgba(255,255,255,.66);font-size:13.5px;padding:5px 0;}
.footer-link:hover{color:#fff;}
.footer-button{background:none;border:none;text-align:left;cursor:pointer;font-family:inherit;text-decoration:underline;text-underline-offset:3px;}
.logo-footer{color:#fff;margin-bottom:12px;}
.footer-about{font-size:13px;max-width:280px;}
.footer-note{font-size:12.5px;line-height:1.7;margin-bottom:8px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;}

/* ---------- learn level cards ---------- */
.level-card{padding:22px;}
.level-header{display:flex;align-items:center;gap:10px;margin-bottom:16px;font-size:16px;font-weight:800;font-family:var(--font-sans);}
.level-num{width:30px;height:30px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;}
.topic-pill{display:flex;align-items:center;justify-content:space-between;padding:11px 4px;border-bottom:1px solid var(--border-soft);font-size:13.5px;font-weight:600;color:var(--ink);}
.topic-pill:last-child{border-bottom:none;}
.topic-pill:hover{color:var(--brand);}

/* ============================================================================
   CONTENIDO (páginas indexables)
============================================================================ */
.breadcrumbs{margin-bottom:18px;font-size:13px;color:var(--ink-mute);}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;align-items:center;}
.breadcrumbs li{display:flex;align-items:center;gap:6px;}
.breadcrumbs li + li::before{content:"›";color:var(--ink-mute);}
.breadcrumbs a{color:var(--ink-soft);font-weight:600;}
.breadcrumbs a:hover{color:var(--brand);text-decoration:underline;}

.page-head{margin-bottom:28px;}
.page-head .section-kicker{display:flex;align-items:center;gap:6px;flex-wrap:wrap;}
.page-head .section-kicker a{color:inherit;}
.page-head .section-kicker a:hover{color:var(--brand);text-decoration:underline;}
.page-title{font-family:var(--font-serif);font-size:clamp(28px,4.2vw,44px);font-weight:500;letter-spacing:-0.02em;line-height:1.12;}
.page-title em{font-style:italic;color:var(--brand);}
.page-lead{color:var(--ink-soft);font-size:17px;line-height:1.65;max-width:700px;margin-top:12px;}

.byline{display:flex;gap:12px;align-items:center;margin-top:20px;padding-top:16px;border-top:1px solid var(--border);}
.byline-avatar{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--brand),var(--accent));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:15px;flex-shrink:0;}
.byline-author{font-size:14px;font-weight:600;color:var(--ink);}
.byline-author a{font-weight:700;}
.byline-author a:hover{color:var(--brand);text-decoration:underline;}
.byline-role{color:var(--ink-mute);font-weight:500;}
.byline-meta{font-size:12.5px;color:var(--ink-mute);line-height:1.6;}
.byline-meta svg{display:inline-block;vertical-align:-2px;}
.byline-meta a{color:var(--ink-soft);text-decoration:underline;text-underline-offset:2px;}

.prose{font-size:16.5px;line-height:1.75;color:#262C38;}
.prose > * + *{margin-top:16px;}
.prose h2{font-family:var(--font-serif);font-size:clamp(22px,2.8vw,28px);font-weight:500;letter-spacing:-0.015em;line-height:1.25;margin-top:44px;color:var(--ink);scroll-margin-top:calc(var(--nav-h) + 16px);}
.prose h3{font-size:18px;font-weight:700;margin-top:28px;color:var(--ink);line-height:1.4;}
.prose h2 + *, .prose h3 + *{margin-top:12px;}
.prose a{color:var(--brand-dark);font-weight:600;text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;}
.prose a:hover{color:var(--brand);}
.prose ul,.prose ol{padding-left:22px;}
.prose li + li{margin-top:6px;}
.prose li::marker{color:var(--brand);}
.prose strong{color:var(--ink);}
.prose .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:14px;background:#fff;}
.data-table{width:100%;border-collapse:collapse;font-size:14px;line-height:1.5;}
.data-table th,.data-table td{padding:10px 12px;text-align:right;border-bottom:1px solid var(--border-soft);white-space:nowrap;}
.data-table th:first-child,.data-table td:first-child{text-align:left;}
.data-table.wrap-cells th,.data-table.wrap-cells td{white-space:normal;text-align:left;}
.data-table thead th{background:var(--surface-2);font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--ink-soft);}
.data-table tbody tr:last-child td{border-bottom:none;}
.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:var(--ink);color:#E6E9F5;padding:16px 18px;border-radius:14px;font-size:15px;line-height:1.6;overflow-x:auto;white-space:pre;}
.formula-vars{font-size:15px;}
.formula-vars li{color:#2F3645;}
.callout{padding:16px 18px;border-radius:14px;background:var(--brand-soft);border-left:4px solid var(--brand);color:#1E2A7A;font-size:15.5px;}
.callout p + p{margin-top:8px;}
.callout.warn{background:var(--warn-soft);border-left-color:var(--warn);color:#6A3E06;}
.callout.good{background:var(--accent-soft);border-left-color:var(--accent);color:#04604C;}
.callout strong{color:inherit;}
.example-box{background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:14px;padding:16px 18px;margin-top:24px;}
.example-title{font-weight:800;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:6px;margin-bottom:6px;}
.example-box p + p{margin-top:0;}
.faq{border:1px solid var(--border);border-radius:14px;background:#fff;padding:0 18px;}
.prose .faq + .faq{margin-top:10px;}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:12px;color:var(--ink);}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+";font-weight:800;color:var(--brand);font-size:18px;line-height:1.2;}
.faq[open] summary::after{content:"–";}
.faq .faq-body{padding-bottom:14px;}
.faq .faq-body p + p{margin-top:8px;}
.disclaimer{font-size:13px;line-height:1.6;color:var(--ink-mute);border-top:1px solid var(--border);padding-top:16px;}
.prose .disclaimer{margin-top:36px;}
.steps{counter-reset:step;list-style:none;padding-left:0 !important;}
.steps > li{counter-increment:step;position:relative;padding-left:44px;}
.steps > li::before{content:counter(step);position:absolute;left:0;top:1px;width:30px;height:30px;border-radius:9px;background:var(--brand-soft);color:var(--brand-dark);font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;}
.steps > li + li{margin-top:14px;}

.toc{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:16px 20px;margin-bottom:28px;}
.toc-title{font-size:12px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-mute);display:flex;align-items:center;gap:6px;margin-bottom:8px;}
.toc ol{padding-left:20px;font-size:14.5px;}
.toc li + li{margin-top:4px;}
.toc a{color:var(--ink-soft);font-weight:600;}
.toc a:hover{color:var(--brand);text-decoration:underline;}

/* ---------- hubs y tarjetas ---------- */
.link-grid{gap:14px;}
.link-card{display:flex;gap:14px;align-items:flex-start;padding:18px;position:relative;}
.link-card-ico{width:42px;height:42px;border-radius:12px;background:var(--brand-soft);color:var(--brand);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.link-card-body{display:flex;flex-direction:column;gap:4px;min-width:0;padding-right:18px;}
.link-card-title{font-weight:700;font-size:15px;color:var(--ink);line-height:1.35;}
.link-card-desc{font-size:13px;color:var(--ink-soft);line-height:1.55;}
.link-card-arrow{position:absolute;right:16px;top:20px;color:var(--ink-mute);transition:transform .15s, color .15s;}
.link-card:hover .link-card-arrow{transform:translateX(3px);color:var(--brand);}
.hub-group + .hub-group{margin-top:36px;}
.hub-group-title{font-size:13px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:14px;}
.hub-intro{max-width:700px;margin-top:48px;}
.guide-card{display:flex;flex-direction:column;gap:6px;padding:20px;}
.guide-card-meta{font-size:12px;font-weight:700;color:var(--accent-dark);display:flex;align-items:center;gap:6px;}
.guide-card-title{font-family:var(--font-serif);font-size:19px;font-weight:500;line-height:1.3;color:var(--ink);}
.guide-card-desc{font-size:13.5px;color:var(--ink-soft);line-height:1.6;}

.cta-card{display:flex;align-items:center;gap:16px;flex-wrap:wrap;padding:20px 22px;border-radius:var(--r-lg);background:linear-gradient(135deg,var(--brand-soft),var(--accent-soft));margin-top:36px;}
.cta-card-ico{width:46px;height:46px;border-radius:13px;background:#fff;color:var(--brand);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.cta-card-body{flex:1;min-width:200px;}
.cta-card-kicker{font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--brand-dark);}
.cta-card-title{font-weight:700;color:var(--ink);font-size:15px;}
.cta-card .btn{white-space:normal;text-align:center;}

.related{margin-top:36px;}
.related-title{font-size:13px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:12px;font-family:var(--font-sans);}

/* ---------- glosario ---------- */
.glossary-tools{display:flex;flex-direction:column;gap:14px;margin-bottom:12px;}
.search-wrap{position:relative;max-width:460px;}
.search-wrap svg{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--ink-mute);}
.search-wrap .input{padding-left:40px;}
.az-nav{display:flex;flex-wrap:wrap;gap:6px;}
.az-nav a{min-width:36px;height:36px;display:inline-flex;align-items:center;justify-content:center;border-radius:9px;background:var(--surface-2);font-weight:700;font-size:13.5px;color:var(--ink-soft);}
.az-nav a:hover{background:var(--brand-soft);color:var(--brand-dark);}
.az-group{margin-top:28px;scroll-margin-top:calc(var(--nav-h) + 16px);}
.az-letter{font-family:var(--font-serif);font-size:26px;font-weight:500;color:var(--brand);border-bottom:1px solid var(--border);padding-bottom:6px;margin-bottom:4px;}
.term-list{list-style:none;}
.term-item{display:grid;grid-template-columns:1fr auto;align-items:center;gap:4px 12px;padding:14px 0;border-bottom:1px solid var(--border-soft);}
.term-item:last-child{border-bottom:none;}
.term-item-link{font-weight:800;font-size:16px;color:var(--ink);}
.term-item-link:hover{color:var(--brand);text-decoration:underline;}
.term-item-summary{grid-column:1 / -1;font-size:14px;color:var(--ink-soft);}

/* ============================================================================
   CALCULADORAS
============================================================================ */
.calc-container{max-width:1080px;}
.calc-widget{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:16px;align-items:start;}
@media(max-width:820px){ .calc-widget{grid-template-columns:1fr;} }
.calc-form .field:last-child{margin-bottom:0;}
.calc-fieldset{border:none;border-top:1px solid var(--border);padding-top:14px;margin-top:6px;}
.calc-fieldset + .calc-fieldset{margin-top:16px;}
.calc-fieldset legend{font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-mute);padding-right:8px;}
.input-wrap{position:relative;}
.input-wrap.has-suffix .input{padding-right:64px;}
.input-suffix{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-size:13px;font-weight:700;color:var(--ink-mute);pointer-events:none;}
.field-help{font-size:12px;color:var(--ink-mute);margin-top:6px;line-height:1.5;}
.calc-result{position:sticky;top:calc(var(--nav-h) + 16px);min-height:280px;}
@media(max-width:820px){ .calc-result{position:static;min-height:0;} }
.no-js .calc-loading{display:none;}
.result-label{font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:6px;}
.result-main{font-family:var(--font-serif);font-size:clamp(30px,4vw,42px);font-weight:500;letter-spacing:-0.02em;line-height:1.1;color:var(--ink);}
.result-main.small{font-size:clamp(22px,3vw,28px);line-height:1.3;}
.result-sub{font-size:13.5px;color:var(--ink-soft);margin-top:6px;}
.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px;margin-top:18px;padding-top:18px;border-top:1px solid var(--border-soft);}
.result-item .k{display:block;font-size:12px;color:var(--ink-mute);font-weight:600;}
.result-item .v{display:block;font-weight:800;font-size:16px;color:var(--ink);}
.result-note{font-size:12px;color:var(--ink-mute);margin-top:14px;line-height:1.5;}
.result-alerts{display:flex;flex-direction:column;gap:8px;margin-top:16px;}
.result-block + .result-block{margin-top:18px;padding-top:18px;border-top:1px solid var(--border-soft);}
.calc-extra{margin-top:16px;}
.calc-extra:empty{display:none;}
.split-bar{display:flex;height:14px;border-radius:8px;overflow:hidden;margin:14px 0 10px;background:var(--surface-2);}
.split-bar span{display:block;height:100%;}
.bucket{display:grid;grid-template-columns:auto 1fr auto;gap:4px 10px;align-items:center;padding:12px 0;border-bottom:1px solid var(--border-soft);}
.bucket:last-child{border-bottom:none;}
.bucket-dot{width:12px;height:12px;border-radius:4px;}
.bucket-name{font-weight:700;font-size:14.5px;}
.bucket-amount{font-weight:800;font-size:16px;text-align:right;}
.bucket-desc{grid-column:2 / -1;font-size:12.5px;color:var(--ink-mute);}
.bucket .progress-track{grid-column:2 / -1;margin-top:4px;}
.details-card{padding:0;overflow:hidden;}
.details-card > summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:700;display:flex;justify-content:space-between;align-items:center;gap:12px;}
.details-card > summary::-webkit-details-marker{display:none;}
.details-card > summary::after{content:"+";font-weight:800;color:var(--brand);font-size:20px;}
.details-card[open] > summary::after{content:"–";}
.details-card .table-wrap{overflow-x:auto;border-top:1px solid var(--border);max-height:520px;}
.chart-wrap{margin-top:14px;}

/* ---------- espacios publicitarios reservados ---------- */
.ad-slot{display:none;}
.ads-on .ad-slot{display:block;min-height:280px;margin:24px 0;}
.ads-placeholders .ad-slot{display:flex;align-items:center;justify-content:center;min-height:250px;margin:24px 0;border:1.5px dashed var(--border);border-radius:var(--r-md);background:repeating-linear-gradient(45deg,var(--surface-2),var(--surface-2) 10px,var(--bg) 10px,var(--bg) 20px);}
.ads-placeholders .ad-slot::before{content:"Espacio publicitario reservado · " attr(data-ad-slot);font-size:12px;font-weight:700;color:var(--ink-mute);letter-spacing:.04em;text-transform:uppercase;}

/* ---------- apps (Dinero, Ahorro, Inversiones) ---------- */
.app-skeleton{min-height:420px;}
.app-help{margin-top:32px;}

/* ---------- banner de consentimiento ---------- */
.consent{position:fixed;inset:0;z-index:450;display:flex;align-items:center;justify-content:center;padding:16px;background:rgba(11,15,25,.55);}
.consent-inner{position:relative;background:#14171F;color:#fff;border-radius:18px;padding:30px 32px 26px;max-width:760px;width:100%;max-height:calc(100vh - 32px);overflow-y:auto;box-shadow:0 30px 80px rgba(0,0,0,.45);animation:slideUp .2s ease-out;}
.consent-close{position:absolute;top:14px;right:14px;width:36px;height:36px;border-radius:10px;border:none;background:transparent;color:#fff;display:flex;align-items:center;justify-content:center;}
.consent-close:hover{background:rgba(255,255,255,.1);}
.consent-title{font-weight:800;font-size:20px;margin-bottom:10px;padding-right:36px;letter-spacing:-0.01em;}
.consent-text{font-size:15px;color:rgba(255,255,255,.88);line-height:1.65;}
.consent-text a{color:#8FA0FF;text-decoration:underline;}
.consent-prefs{margin-top:16px;display:flex;flex-direction:column;gap:12px;border-top:1px solid rgba(255,255,255,.12);padding-top:16px;}
.consent-option{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:rgba(255,255,255,.8);line-height:1.5;}
.consent-option strong{color:#fff;}
.consent-option input{margin-top:3px;width:17px;height:17px;accent-color:var(--brand);flex-shrink:0;}
.consent-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:22px;}
.consent-details{display:inline-flex;align-items:center;gap:8px;margin-right:auto;background:none;border:none;color:#fff;font-weight:800;font-size:14px;letter-spacing:.03em;text-transform:uppercase;padding:10px 4px;}
.consent-details:hover{text-decoration:underline;}
.consent-btn{min-width:180px;padding:13px 22px;border-radius:999px;border:1.5px solid var(--brand);background:var(--brand);color:#fff;font-weight:800;font-size:14px;letter-spacing:.03em;text-transform:uppercase;}
.consent-btn:hover{background:var(--brand-dark);border-color:var(--brand-dark);}
.consent .consent-btn:focus-visible,.consent-close:focus-visible,.consent-details:focus-visible{outline:2px solid #fff;outline-offset:2px;}
@media(max-width:640px){
  .consent{align-items:flex-end;padding:10px;}
  .consent-inner{padding:24px 20px 20px;}
  .consent-title{font-size:18px;}
  .consent-text{font-size:14px;}
  .consent-details{margin-right:0;width:100%;justify-content:center;}
  .consent-btn{flex:1 1 100%;min-width:0;}
}

/* ---------- responsive tweaks ---------- */
@media(max-width:640px){
  .page{padding-top:calc(var(--nav-h) + 20px);}
  .hero{padding:calc(var(--nav-h) + 46px) 0 60px;}
  .footer-grid{grid-template-columns:1fr;}
  .prose{font-size:16px;}
  .result-grid{grid-template-columns:1fr 1fr;}
  .home-section{padding-top:56px;}
}