/* ═══════════════════════════════════════════
   TOKENS & RESET
═══════════════════════════════════════════ */
:root{
  --c0:#0B1F0E;--c1:#122817;--c2:#1A3A1F;--c3:#245029;
  --g1:#2E7D32;--g2:#388E3C;--g3:#43A047;
  --a:#4CAF50;--a2:#81C784;--a3:#C8E6C9;
  --gold:#D4A853;--gold2:#F5D98B;
  --w:#F5F7F2;--w2:#EBF0E6;--w3:#D6DFD0;
  --ink:#0B1F0E;--ink2:#2D4A32;--ink3:#4A6B50;--ink4:#7A9B80;
  --err:#C62828;--warn:#E65100;
  --fs:'Sora',system-ui,sans-serif;
  --fd:'Playfair Display',Georgia,serif;
  --fm:'JetBrains Mono',monospace;
  --rad:10px;--rad-sm:6px;--rad-lg:16px;
  --sh:0 1px 12px rgba(11,31,14,.08);
  --sh2:0 4px 32px rgba(11,31,14,.14);
  --sh3:0 12px 60px rgba(11,31,14,.22);
  --tr:.18s cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--fs);background:var(--w);color:var(--ink);line-height:1.6;min-height:100vh;overflow-x:hidden}
img{max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
button{cursor:pointer;font-family:var(--fs)}

/* ═══════════════════════════════════════════
   NAV
═══════════════════════════════════════════ */
#nav{
  position:sticky;top:0;z-index:300;
  background:rgba(11,31,14,.97);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(76,175,80,.15);
}
.nav-wrap{max-width:1200px;margin:0 auto;padding:0 1.25rem;display:flex;align-items:center;gap:1rem;height:56px}
.nav-logo{font-family:var(--fd);font-size:1.25rem;color:#fff;white-space:nowrap;display:flex;align-items:center;gap:6px;flex-shrink:0}
.nav-logo em{font-style:normal;color:var(--a)}
.nav-logo span{font-size:.65rem;font-family:var(--fs);font-weight:500;color:rgba(255,255,255,.4);background:rgba(76,175,80,.15);padding:2px 6px;border-radius:4px;border:1px solid rgba(76,175,80,.2);margin-left:4px}

/* ── MENÚ POR CATEGORÍAS (escritorio) ── */
.nav-menu{display:flex;gap:2px;margin-left:auto;align-items:center}
.nav-cat{position:relative}
.nav-cat>button{display:flex;align-items:center;gap:5px;white-space:nowrap;padding:.45rem .8rem;border:none;background:transparent;color:rgba(255,255,255,.65);font-family:var(--fs);font-size:.82rem;font-weight:500;border-radius:var(--rad-sm);cursor:pointer;transition:var(--tr)}
.nav-cat>button.has-drop::after{content:'▾';font-size:.7rem;opacity:.6}
.nav-cat:hover>button{color:#fff;background:rgba(255,255,255,.08)}
.nav-cat>button.on{color:var(--a);background:rgba(76,175,80,.12)}
.nav-drop{position:absolute;top:calc(100% + 6px);left:0;min-width:210px;background:#122817;border:1px solid rgba(76,175,80,.2);border-radius:var(--rad);box-shadow:0 12px 40px rgba(0,0,0,.4);padding:6px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,transform .18s,visibility .18s;z-index:310}
.nav-cat:hover .nav-drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-drop a{display:flex;align-items:center;gap:9px;padding:.55rem .7rem;border-radius:var(--rad-sm);color:rgba(255,255,255,.7);font-size:.83rem;font-weight:500;text-decoration:none;transition:var(--tr);white-space:nowrap}
.nav-drop a:hover{background:rgba(76,175,80,.15);color:#fff}
.nav-drop a.on{color:var(--a);background:rgba(76,175,80,.1)}
.nav-drop .nd-ico{font-size:1rem;width:20px;text-align:center}

/* ── HAMBURGUESA (móvil) ── */
.nav-burger{display:none;margin-left:auto;background:transparent;border:none;color:#fff;font-size:1.5rem;cursor:pointer;padding:4px 8px;line-height:1}
.nav-mobile{display:none}

@media(max-width:860px){
  .nav-menu{display:none}
  .nav-burger{display:block}
  .nav-mobile{display:block;position:fixed;top:56px;left:0;right:0;bottom:0;background:rgba(11,31,14,.99);backdrop-filter:blur(20px);z-index:299;overflow-y:auto;padding:1rem;transform:translateX(100%);transition:transform .25s;visibility:hidden}
  .nav-mobile.open{transform:translateX(0);visibility:visible}
  .nav-mobile .nm-cat{font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--a2);padding:1rem .5rem .4rem}
  .nav-mobile a{display:flex;align-items:center;gap:11px;padding:.8rem .5rem;color:rgba(255,255,255,.85);font-size:.95rem;font-weight:500;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.06)}
  .nav-mobile a.on{color:var(--a)}
  .nav-mobile a .nd-ico{font-size:1.15rem;width:24px;text-align:center}
}

/* ═══════════════════════════════════════════
   HERO SECTION
═══════════════════════════════════════════ */
.hero{
  background:linear-gradient(160deg,var(--c0) 0%,var(--c1) 40%,var(--c2) 100%);
  color:#fff;padding:0;overflow:hidden;position:relative;
}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 60% at 80% 50%,rgba(76,175,80,.12) 0%,transparent 70%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:60px;background:linear-gradient(transparent,var(--w));pointer-events:none}
.hero-inner{max-width:1200px;margin:0 auto;padding:clamp(2rem,5vw,3.5rem) 1.25rem clamp(1.5rem,4vw,2.5rem)}
.hero-eyebrow{display:inline-flex;align-items:center;gap:6px;font-size:.7rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--a2);margin-bottom:.9rem}
.hero-eyebrow::before{content:'';width:20px;height:1px;background:var(--a2)}
.hero h1{font-family:var(--fd);font-size:clamp(1.9rem,5vw,3rem);font-weight:400;line-height:1.15;margin-bottom:.7rem}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero-sub{font-size:.9rem;color:rgba(255,255,255,.55);max-width:520px;line-height:1.7}

/* Hero calc tabs */
.hero-tabs{display:flex;gap:1px;margin-top:2rem;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-bottom:none;border-radius:var(--rad-lg) var(--rad-lg) 0 0;overflow:hidden;overflow-x:auto;scrollbar-width:none}
.hero-tabs::-webkit-scrollbar{display:none}
.htab{flex:1;min-width:100px;padding:.85rem .5rem .8rem;background:transparent;border:none;color:rgba(255,255,255,.45);font-size:.72rem;font-weight:500;text-align:center;transition:var(--tr);display:flex;flex-direction:column;align-items:center;gap:.25rem;position:relative}
.htab:hover{color:rgba(255,255,255,.8);background:rgba(255,255,255,.05)}
.htab.on{color:#fff;background:rgba(255,255,255,.1)}
.htab.on::after{content:'';position:absolute;bottom:0;left:20%;right:20%;height:2px;background:var(--a);border-radius:2px 2px 0 0}
.htab-icon{font-size:1.2rem}
.htab-name{font-size:.68rem}

/* ═══════════════════════════════════════════
   AD BANNER SLOT
═══════════════════════════════════════════ */
.ad-banner-wrap{max-width:1200px;margin:.9rem auto 0;padding:0 1.25rem}
.ad-slot{border:1px dashed var(--w3);border-radius:var(--rad);padding:.75rem;text-align:center;color:var(--ink4);font-size:.72rem}
.ad-label{font-size:.62rem;text-transform:uppercase;letter-spacing:.09em;color:var(--ink4);margin-bottom:.25rem}

/* ═══════════════════════════════════════════
   MAIN LAYOUT
═══════════════════════════════════════════ */
.main-wrap{max-width:1200px;margin:0 auto;padding:1.5rem 1.25rem 3rem;display:grid;grid-template-columns:1fr 288px;gap:2rem;align-items:start}
@media(max-width:920px){.main-wrap{grid-template-columns:1fr}}

/* ═══════════════════════════════════════════
   PANELS
═══════════════════════════════════════════ */
.panel{display:none}
.panel.on{display:block;animation:up .28s ease}
@keyframes up{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}

/* ═══════════════════════════════════════════
   CARD SYSTEM
═══════════════════════════════════════════ */
.card{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);box-shadow:var(--sh);overflow:hidden;margin-bottom:1.25rem}
.card-head{padding:1rem 1.35rem;border-bottom:1px solid var(--w3);display:flex;align-items:center;gap:.75rem}
.card-ico{width:34px;height:34px;background:var(--w2);border-radius:var(--rad-sm);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.card-head h2{font-size:1rem;font-weight:600;color:var(--ink)}
.card-head .sub{font-size:.72rem;color:var(--ink4);margin-top:1px}
.card-body{padding:1.35rem}

/* ═══════════════════════════════════════════
   FORMS
═══════════════════════════════════════════ */
.st{font-size:.67rem;font-weight:600;text-transform:uppercase;letter-spacing:.09em;color:var(--ink4);padding-bottom:.35rem;border-bottom:1px solid var(--w3);margin:1.1rem 0 .7rem;display:block}
.st:first-child{margin-top:0}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:.85rem}
.g3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:.75rem}
.full{grid-column:1/-1}
@media(max-width:560px){.g2,.g3{grid-template-columns:1fr}.full{grid-column:1}}
.fg{display:flex;flex-direction:column;gap:.3rem}
.fg label{font-size:.8rem;font-weight:500;color:var(--ink2)}
.fg .hn{font-size:.7rem;color:var(--ink4);font-weight:400;margin-left:3px}
input:not([type=range]):not([type=checkbox]),select{
  font-family:var(--fs);font-size:.88rem;
  padding:.56rem .8rem;border:1.5px solid var(--w3);border-radius:var(--rad-sm);
  background:var(--w);color:var(--ink);outline:none;width:100%;
  transition:border-color var(--tr),box-shadow var(--tr);
}
input:not([type=range]):not([type=checkbox]):focus,select:focus{border-color:var(--g1);box-shadow:0 0 0 3px rgba(46,125,50,.1)}
input.e{border-color:var(--err)!important}
select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%234A6B50'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .75rem center;appearance:none;padding-right:2rem}

/* range */
.range-wrap{display:flex;align-items:center;gap:.65rem}
.range-wrap input[type=range]{flex:1;height:5px;border:none;background:transparent;cursor:pointer;-webkit-appearance:none;padding:0}
.range-wrap input[type=range]::-webkit-slider-runnable-track{height:5px;border-radius:3px;background:var(--w3)}
.range-wrap input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:17px;height:17px;border-radius:50%;background:var(--g1);margin-top:-6px;box-shadow:0 2px 8px rgba(46,125,50,.35);transition:transform .1s}
.range-wrap input[type=range]::-webkit-slider-thumb:active{transform:scale(1.2)}
.range-wrap input[type=number]{width:96px;flex-shrink:0;text-align:right}
.rval{font-size:.82rem;font-weight:600;color:var(--g1);min-width:92px;text-align:right;font-family:var(--fm);white-space:nowrap}

/* tipo btns */
.tipo-g{display:grid;grid-template-columns:repeat(3,1fr);gap:.45rem;margin-bottom:1.1rem}
@media(max-width:560px){.tipo-g{grid-template-columns:repeat(2,1fr)}}
.tb{padding:.6rem .65rem;border:1.5px solid var(--w3);border-radius:var(--rad-sm);background:var(--w);font-family:var(--fs);font-size:.74rem;font-weight:500;color:var(--ink3);text-align:left;transition:var(--tr);line-height:1.4}
.tb:hover{border-color:var(--g1);color:var(--g1);background:#F1F8F1}
.tb.on{border-color:var(--g1);background:#F1F8F1;color:var(--g1)}
.tb .ti{display:block;margin-bottom:1px}
.tb .ts{font-size:.67rem;font-weight:400;color:var(--ink4);margin-top:1px}
.tb.on .ts{color:var(--g3)}

/* toggle */
.trow{display:flex;align-items:center;justify-content:space-between;padding:.5rem 0;gap:.5rem}
.trow .tl{font-size:.82rem;font-weight:500;color:var(--ink2)}
.trow .ts{font-size:.7rem;color:var(--ink4);margin-top:1px}
.tog{position:relative;width:36px;height:20px;flex-shrink:0}
.tog input{opacity:0;width:0;height:0}
.sldr{position:absolute;inset:0;background:var(--w3);border-radius:100px;cursor:pointer;transition:background var(--tr)}
.sldr::before{content:'';position:absolute;height:14px;width:14px;left:3px;top:3px;background:#fff;border-radius:50%;transition:transform var(--tr);box-shadow:0 1px 4px rgba(0,0,0,.18)}
.tog input:checked+.sldr{background:var(--g1)}
.tog input:checked+.sldr::before{transform:translateX(16px)}

/* submit btn */
.btn-go{width:100%;margin-top:1.25rem;padding:.82rem;background:var(--g1);color:#fff;border:none;border-radius:var(--rad);font-family:var(--fs);font-size:.92rem;font-weight:600;letter-spacing:.01em;transition:background var(--tr),box-shadow var(--tr),transform .1s}
.btn-go:hover{background:var(--c3);box-shadow:0 4px 20px rgba(46,125,50,.35)}
.btn-go:active{transform:scale(.99)}

/* ═══════════════════════════════════════════
   RESULTADO
═══════════════════════════════════════════ */
.res{display:none;margin-top:1.25rem}
.res.on{display:block;animation:up .3s ease}
.res-hero{background:linear-gradient(135deg,var(--c0) 0%,var(--c2) 100%);color:#fff;padding:1.25rem 1.35rem;border-radius:var(--rad);margin-bottom:.9rem;position:relative;overflow:hidden}
.res-hero::before{content:'';position:absolute;top:-40px;right:-40px;width:160px;height:160px;background:radial-gradient(circle,rgba(76,175,80,.3) 0%,transparent 70%)}
.res-lbl{font-size:.67rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.4);margin-bottom:.3rem}
.res-val{font-family:var(--fd);font-size:2.4rem;font-weight:400;color:var(--a2);position:relative;line-height:1}
.res-val2{font-family:var(--fm);font-size:1.5rem;color:var(--a2)}
.res-sub{font-size:.73rem;color:rgba(255,255,255,.4);margin-top:.3rem}
.res-grid{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-bottom:.5rem}
@media(max-width:480px){.res-grid{grid-template-columns:1fr}}
.ri{background:var(--w);border:1px solid var(--w3);border-radius:var(--rad-sm);padding:.65rem .85rem;display:flex;justify-content:space-between;align-items:center;gap:.5rem}
.ri.hl{background:#F1F8F1;border-color:rgba(46,125,50,.2);grid-column:1/-1}
.ri-l{font-size:.8rem;font-weight:500;color:var(--ink2)}
.ri-s{font-size:.68rem;color:var(--ink4);margin-top:1px}
.ri-v{font-size:.88rem;font-weight:700;color:var(--g1);white-space:nowrap;font-family:var(--fm)}
.ri-v.z{color:var(--ink4);font-weight:400}
.ri-v.big{font-size:1.05rem}
.aviso{padding:.75rem .9rem;background:#FFFBF0;border:1px solid #EDD87A;border-radius:var(--rad-sm);font-size:.75rem;color:#7A5500;line-height:1.55;margin-top:.75rem}

/* ═══════════════════════════════════════════
   RESULTADO EXPLAINER + CTA
═══════════════════════════════════════════ */
.explainer{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);padding:1.35rem;margin-top:1.25rem;box-shadow:var(--sh)}
.explainer h3{font-size:.95rem;font-weight:600;margin-bottom:.6rem;display:flex;align-items:center;gap:.5rem}
.explainer h3::before{content:'';width:3px;height:1em;background:var(--g1);border-radius:2px;display:inline-block}
.explainer p{font-size:.82rem;color:var(--ink3);line-height:1.7;margin-bottom:.5rem}
.explainer p:last-child{margin-bottom:0}

.next-steps{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);padding:1.35rem;margin-top:.9rem;box-shadow:var(--sh)}
.next-steps h3{font-size:.95rem;font-weight:600;margin-bottom:.9rem;display:flex;align-items:center;gap:.5rem}
.next-steps h3::before{content:'';width:3px;height:1em;background:var(--gold);border-radius:2px;display:inline-block}
.step{display:flex;gap:.75rem;align-items:flex-start;margin-bottom:.75rem}
.step:last-child{margin-bottom:0}
.step-n{width:22px;height:22px;border-radius:50%;background:var(--c2);color:var(--a2);font-size:.7rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.step-info{flex:1}
.step-t{font-size:.82rem;font-weight:600;color:var(--ink)}
.step-s{font-size:.75rem;color:var(--ink4);margin-top:2px}
.cta-btn{display:flex;align-items:center;justify-content:space-between;width:100%;margin-top:.6rem;padding:.7rem 1rem;background:linear-gradient(135deg,var(--c2),var(--c3));color:#fff;border:none;border-radius:var(--rad);font-family:var(--fs);font-size:.82rem;font-weight:600;transition:var(--tr)}
.cta-btn:hover{background:linear-gradient(135deg,var(--c3),var(--g1));box-shadow:0 4px 16px rgba(46,125,50,.3)}
.cta-btn span{font-size:.72rem;opacity:.7}

/* ═══════════════════════════════════════════
   SEO CONTENT
═══════════════════════════════════════════ */
.seo-block{margin-top:1.5rem}
.seo-block h2{font-family:var(--fd);font-size:1.35rem;font-weight:400;margin-bottom:.75rem;color:var(--ink)}
.seo-block h3{font-size:.92rem;font-weight:600;color:var(--ink2);margin:1rem 0 .4rem}
.seo-block p{font-size:.82rem;color:var(--ink3);line-height:1.75;margin-bottom:.6rem}
.seo-block ul{padding-left:1.1rem;margin-bottom:.6rem}
.seo-block li{font-size:.82rem;color:var(--ink3);line-height:1.7;margin-bottom:.2rem}
.seo-block strong{color:var(--ink2)}
.seo-block .tabla-comp{width:100%;border-collapse:collapse;font-size:.78rem;margin:1rem 0;border-radius:var(--rad-sm);overflow:hidden;border:1px solid var(--w3)}
.seo-block .tabla-comp th{background:var(--c2);color:#fff;padding:.5rem .75rem;text-align:left;font-weight:600}
.seo-block .tabla-comp td{padding:.5rem .75rem;border-bottom:1px solid var(--w3)}
.seo-block .tabla-comp tr:last-child td{border-bottom:none}
.seo-block .tabla-comp tr:hover td{background:var(--w)}

/* FAQ */
.faq-wrap{margin-top:1.25rem}
.faq-wrap h2{font-family:var(--fd);font-size:1.25rem;font-weight:400;margin-bottom:.75rem}
details{border:1px solid var(--w3);border-radius:var(--rad);margin-bottom:.45rem;background:#fff;overflow:hidden}
summary{padding:.85rem 1.1rem;font-size:.84rem;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--ink2)}
summary::-webkit-details-marker{display:none}
summary::after{content:'+';font-size:1.15rem;color:var(--g1);font-weight:300;transition:transform var(--tr);flex-shrink:0}
details[open] summary{color:var(--g1)}
details[open] summary::after{transform:rotate(45deg)}
details .faq-body{padding:0 1.1rem .9rem;font-size:.81rem;color:var(--ink3);line-height:1.75}
details .faq-body strong{color:var(--ink)}

/* tabla hipoteca/prestamo */
.tbl-wrap{overflow-x:auto;margin-top:.9rem;border-radius:var(--rad-sm);border:1px solid var(--w3)}
table{width:100%;border-collapse:collapse;font-size:.75rem}
th{background:var(--c1);color:rgba(255,255,255,.8);padding:.45rem .7rem;text-align:right;font-weight:600;white-space:nowrap}
th:first-child{text-align:left}
td{padding:.45rem .7rem;border-bottom:1px solid var(--w);text-align:right;color:var(--ink3);font-family:var(--fm)}
td:first-child{text-align:left;font-family:var(--fs);font-weight:500;color:var(--ink2)}
tr:hover td{background:var(--w)}
tr.sum td{background:var(--c2);color:var(--a3);font-weight:700}

/* ═══════════════════════════════════════════
   HOME
═══════════════════════════════════════════ */
.home-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:.9rem;margin-bottom:1.5rem}
.hc{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);padding:1.25rem;cursor:pointer;transition:var(--tr);box-shadow:var(--sh);display:flex;flex-direction:column;gap:.6rem}
.hc:hover{border-color:var(--g1);box-shadow:var(--sh2);transform:translateY(-2px)}
.hc-top{display:flex;align-items:center;gap:.75rem}
.hc-icon{font-size:1.6rem;width:42px;height:42px;background:var(--w2);border-radius:var(--rad);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hc h3{font-size:.92rem;font-weight:600;color:var(--ink)}
.hc p{font-size:.76rem;color:var(--ink4);line-height:1.5}
.hc-foot{display:flex;align-items:center;justify-content:space-between;margin-top:.25rem}
.hc-tag{font-size:.65rem;font-weight:600;padding:2px 7px;border-radius:100px;background:var(--w2);color:var(--g1)}
.hc-arr{font-size:.75rem;color:var(--ink4)}

/* ═══════════════════════════════════════════
   BREADCRUMB
═══════════════════════════════════════════ */
.breadcrumb{font-size:.72rem;color:var(--ink4);margin-bottom:.9rem;display:flex;align-items:center;gap:.4rem;flex-wrap:wrap}
.breadcrumb a{color:var(--g1)}
.breadcrumb .sep{opacity:.4}

/* ═══════════════════════════════════════════
   SIDEBAR
═══════════════════════════════════════════ */
.sidebar{display:flex;flex-direction:column;gap:1.1rem}
.sb-card{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);box-shadow:var(--sh);overflow:hidden}
.sb-head{padding:.8rem 1.1rem;background:var(--c1);color:#fff}
.sb-head .sl{font-size:.62rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.4);margin-bottom:2px}
.sb-head h3{font-family:var(--fd);font-size:.95rem;font-weight:400}
.sb-body{padding:.9rem 1.1rem}
.af{display:flex;align-items:flex-start;gap:.65rem;padding:.6rem 0;border-bottom:1px solid var(--w3)}
.af:last-child{border-bottom:none}
.af-ico{width:32px;height:32px;border-radius:var(--rad-sm);background:var(--w2);border:1px solid var(--w3);display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.af-nm{font-size:.8rem;font-weight:600;color:var(--ink)}
.af-ds{font-size:.71rem;color:var(--ink4);line-height:1.4;margin-top:1px}
.af-ct{display:inline-block;font-size:.69rem;font-weight:600;color:var(--g1);margin-top:.3rem}
.ad-sb{background:#fff;border:1px dashed var(--w3);border-radius:var(--rad-lg);padding:1rem;text-align:center;min-height:220px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.4rem;color:var(--ink4);font-size:.72rem}
.info-sb{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);padding:1rem 1.1rem;box-shadow:var(--sh)}
.info-sb h4{font-size:.88rem;font-weight:600;margin-bottom:.5rem;color:var(--ink2)}
.info-sb p,.info-sb li{font-size:.76rem;color:var(--ink3);line-height:1.6}
.info-sb ul{padding-left:1rem}
.info-sb li{margin-bottom:.2rem}

/* Euribor badge */
.ebadge{display:inline-flex;align-items:center;gap:4px;font-size:.68rem;background:var(--w2);color:var(--g1);padding:2px 8px;border-radius:100px;font-weight:600;margin-left:5px}
.edot{width:5px;height:5px;border-radius:50%;background:var(--g1);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.3}}

/* Nav otras calculadoras */
.otras-nav{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.5rem;margin-bottom:.5rem}
.otra-btn{display:flex;align-items:center;gap:.4rem;padding:.4rem .75rem;border:1px solid var(--w3);border-radius:100px;background:#fff;font-size:.75rem;font-weight:500;color:var(--ink3);transition:var(--tr);cursor:pointer}
.otra-btn:hover{border-color:var(--g1);color:var(--g1);background:var(--w)}

/* ═══════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════ */
footer{background:var(--c0);color:rgba(255,255,255,.4);padding:2rem 1.25rem;font-size:.75rem;text-align:center;line-height:1.8;margin-top:2rem}
footer a{color:rgba(255,255,255,.55)}
footer strong{color:rgba(255,255,255,.75)}


/* ═══ V3 ADDITIONS ═══ */
/* Semáforo hipotecabilidad */
.semaforo{display:flex;gap:.5rem;margin:1rem 0}
.sem-item{flex:1;padding:.65rem .5rem;border-radius:var(--rad);text-align:center;border:2px solid transparent;cursor:pointer;transition:var(--tr)}
.sem-item.verde{background:#E8F5E9;border-color:#4CAF50;color:#1B5E20}
.sem-item.amarillo{background:#FFFDE7;border-color:#FFC107;color:#7A5C00}
.sem-item.rojo{background:#FFEBEE;border-color:#F44336;color:#7F0000}
.sem-item.inactive{opacity:.35}
.sem-label{font-size:.72rem;font-weight:700;display:block;margin-bottom:2px}
.sem-sub{font-size:.65rem;opacity:.85}

/* Checklist interactivo */
.checklist{display:flex;flex-direction:column;gap:.4rem;margin:.75rem 0}
.cl-item{display:flex;align-items:center;gap:.65rem;padding:.55rem .75rem;border-radius:var(--rad-sm);border:1px solid var(--w3);background:var(--w);cursor:pointer;transition:var(--tr);user-select:none}
.cl-item:hover{border-color:var(--g2);background:#F1F8F1}
.cl-item.checked{border-color:var(--g1);background:#F1F8F1}
.cl-cb{width:18px;height:18px;border-radius:4px;border:2px solid var(--w3);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:var(--tr);font-size:.65rem;color:#fff}
.cl-item.checked .cl-cb{background:var(--g1);border-color:var(--g1)}
.cl-item.checked .cl-cb::after{content:'✓'}
.cl-text{font-size:.82rem;color:var(--ink2)}
.cl-badge{margin-left:auto;font-size:.68rem;font-weight:600;color:var(--ink4)}
.cl-total{background:var(--c2);color:#fff;padding:.6rem .9rem;border-radius:var(--rad-sm);font-size:.82rem;font-weight:600;text-align:right;margin-top:.5rem}

/* Calendario fiscal */
.cal-wrap{display:flex;flex-direction:column;gap:.5rem;margin:.75rem 0}
.cal-item{display:flex;align-items:center;gap:.85rem;padding:.65rem .9rem;border-radius:var(--rad-sm);border:1px solid var(--w3);background:#fff}
.cal-item.urgente{border-color:#EF6C00;background:#FFF8F0}
.cal-item.proximo{border-color:var(--g2);background:#F1F8F1}
.cal-date{min-width:52px;text-align:center}
.cal-day{font-family:var(--fm);font-size:1.2rem;font-weight:700;color:var(--ink);line-height:1}
.cal-month{font-size:.62rem;font-weight:600;text-transform:uppercase;color:var(--ink4);letter-spacing:.07em}
.cal-info .cal-t{font-size:.82rem;font-weight:600;color:var(--ink)}
.cal-info .cal-s{font-size:.72rem;color:var(--ink4);margin-top:1px}
.cal-tag{margin-left:auto;font-size:.65rem;font-weight:700;padding:2px 7px;border-radius:100px}
.cal-tag.urg{background:#FFF3E0;color:#E65100}
.cal-tag.ok{background:#E8F5E9;color:#2E7D32}

/* Riesgo financiero */
.riesgo-bar{margin:1rem 0}
.rb-track{height:10px;border-radius:5px;background:linear-gradient(90deg,#4CAF50 0%,#FFC107 40%,#F44336 70%,#B71C1C 100%);position:relative;border-radius:5px}
.rb-needle{position:absolute;top:-4px;width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--ink);transform:translateX(-50%);transition:left .5s cubic-bezier(.4,0,.2,1)}
.rb-labels{display:flex;justify-content:space-between;font-size:.65rem;color:var(--ink4);margin-top:.35rem}
.riesgo-badge{display:inline-flex;align-items:center;gap:.4rem;padding:.4rem .85rem;border-radius:100px;font-size:.82rem;font-weight:700;margin-top:.65rem}
.rb-verde{background:#E8F5E9;color:#1B5E20}
.rb-amarillo{background:#FFFDE7;color:#7A5C00}
.rb-rojo{background:#FFEBEE;color:#7F0000}

/* Comparador de escenarios */
.comp-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin:.75rem 0}
.comp-col{border:1px solid var(--w3);border-radius:var(--rad);overflow:hidden}
.comp-head{padding:.6rem .9rem;font-size:.78rem;font-weight:700;text-align:center}
.comp-head.a{background:var(--c2);color:var(--a3)}
.comp-head.b{background:#1A3050;color:#90CAF9}
.comp-row{display:flex;justify-content:space-between;padding:.45rem .9rem;border-bottom:1px solid var(--w);font-size:.76rem}
.comp-row:last-child{border-bottom:none;font-weight:700;background:var(--w)}
.comp-lbl{color:var(--ink3)}
.comp-val{font-family:var(--fm);font-weight:600;color:var(--ink)}

/* Gráfico neto vs hacienda */
.pct-bar-wrap{margin:1rem 0}
.pct-bar{height:28px;border-radius:var(--rad-sm);overflow:hidden;display:flex;position:relative}
.pct-neto{background:linear-gradient(90deg,var(--g2),var(--g1));display:flex;align-items:center;padding-left:.7rem;font-size:.72rem;font-weight:700;color:#fff;transition:width .6s ease}
.pct-ss{background:linear-gradient(90deg,#1976D2,#1565C0);display:flex;align-items:center;padding-left:.5rem;font-size:.72rem;font-weight:700;color:#fff;transition:width .6s ease}
.pct-irpf{background:linear-gradient(90deg,#E53935,#B71C1C);display:flex;align-items:center;padding-left:.5rem;font-size:.72rem;font-weight:700;color:#fff;transition:width .6s ease}
.pct-legend{display:flex;gap:1rem;flex-wrap:wrap;margin-top:.6rem;font-size:.73rem}
.pl-dot{width:10px;height:10px;border-radius:2px;flex-shrink:0}
.pl-item{display:flex;align-items:center;gap:.35rem;color:var(--ink3)}

/* Recursos page */
.rec-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:.9rem;margin-bottom:1.5rem}
.rec-card{background:#fff;border:1px solid var(--w3);border-radius:var(--rad-lg);padding:1.25rem;cursor:pointer;transition:var(--tr);box-shadow:var(--sh)}
.rec-card:hover{border-color:var(--g1);box-shadow:var(--sh2)}
.rec-ico{font-size:1.8rem;margin-bottom:.65rem}
.rec-card h3{font-size:.9rem;font-weight:700;margin-bottom:.35rem;color:var(--ink)}
.rec-card p{font-size:.76rem;color:var(--ink4);line-height:1.5}
.rec-tag{display:inline-block;font-size:.65rem;font-weight:600;padding:2px 8px;border-radius:100px;background:var(--w2);color:var(--g1);margin-top:.5rem}

/* Inverso hipoteca */
.inv-result{background:linear-gradient(135deg,#1A3050,#0D2137);color:#fff;padding:1rem 1.25rem;border-radius:var(--rad);margin-top:.75rem}
.inv-lbl{font-size:.67rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.4);margin-bottom:.25rem}
.inv-val{font-family:var(--fd);font-size:1.8rem;color:#90CAF9}

/* Tab switch within card */
.tab-switch{display:flex;background:var(--w2);border-radius:var(--rad-sm);padding:3px;margin-bottom:1.1rem;gap:2px}
.ts-btn{flex:1;padding:.45rem;border:none;background:transparent;border-radius:5px;font-family:var(--fs);font-size:.78rem;font-weight:500;color:var(--ink3);cursor:pointer;transition:var(--tr)}
.ts-btn.on{background:#fff;color:var(--g1);font-weight:600;box-shadow:0 1px 4px rgba(0,0,0,.08)}

/* Highlight box */
.hl-box{background:var(--w2);border-radius:var(--rad-sm);padding:.85rem 1rem;border-left:3px solid var(--g1);margin:.75rem 0;font-size:.8rem;color:var(--ink2);line-height:1.6}
.hl-box.gold{border-left-color:var(--gold);background:var(--gold2)20}
.hl-box.warn{border-left-color:#E65100;background:#FFF8F0}

/* tooltip */
.tip{position:relative;display:inline-block}
.tip-i{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;background:var(--ink4);color:#fff;border-radius:50%;font-size:.55rem;font-weight:700;cursor:help;margin-left:3px;vertical-align:middle}
.tip-t{display:none;position:absolute;bottom:120%;left:50%;transform:translateX(-50%);background:var(--c0);color:#fff;font-size:.71rem;padding:.4rem .65rem;border-radius:var(--rad-sm);white-space:nowrap;z-index:20;box-shadow:var(--sh2);pointer-events:none}
.tip:hover .tip-t{display:block}