/* ============================================================
   calcu-inversiones — design tokens
   Base negra + blanco. Verde y rojo solo como señal (ganancia /
   pérdida) y en acciones concretas. Nada decorativo en color.
   ============================================================ */
:root{
  /* Surfaces */
  --bg:#000000;
  --bg-2:#070707;
  --surface:rgba(255,255,255,.035);
  --surface-2:rgba(255,255,255,.07);
  --border:rgba(255,255,255,.09);
  --border-strong:rgba(255,255,255,.20);

  /* Text */
  --fg:#FAFAFA;
  --fg-muted:#A0A2A1;
  --fg-dim:#828584;

  /* Señal */
  --green:#22C55E;
  --green-bright:#4ADE80;
  --green-soft:rgba(34,197,94,.14);
  --red:#F0554E;
  --red-soft:rgba(240,85,78,.12);

  /* Activos */
  --a-cash:#5C625F;
  --a-bond:#8A918E;
  --a-eq:#F2F4F3;
  --a-gold:#C8A94E;
  --a-btc:#E8973A;

  /* Type */
  --font-head:'Lexend',system-ui,-apple-system,'Segoe UI',sans-serif;
  --font-body:'Source Sans 3',system-ui,-apple-system,'Segoe UI',sans-serif;

  /* Shape */
  --r-sm:10px; --r-md:14px; --r-lg:20px; --r-pill:999px;
  --shadow:0 28px 60px -30px rgba(0,0,0,1);
  --ring:0 0 0 2px #000,0 0 0 4px rgba(255,255,255,.6);
  --dur:200ms;
  --ease:cubic-bezier(.22,.61,.36,1);
  --wrap:1220px;
  --z-nav:100;
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:82px;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--fg);
  font-family:var(--font-body);font-size:17px;line-height:1.62;
  overflow-x:hidden;font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,.brand,.kpi-value,.step-num,.tag{font-family:var(--font-head);line-height:1.12;letter-spacing:-.025em;font-weight:500}
h1{font-size:clamp(2.4rem,7vw,4.4rem);font-weight:400;margin:0 0 1.1rem}
h1 .accent{font-weight:600}
h2{font-size:clamp(1.55rem,3.2vw,2.35rem);margin:0 0 .7rem;font-weight:500}
h3{font-size:1.08rem;margin:0 0 .45rem;font-weight:500}
p{margin:0 0 1rem}
a{color:inherit}
img,svg{max-width:100%}
button,input,select{font:inherit;color:inherit}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(1.1rem,4vw,2rem)}
.wrap-narrow{max-width:840px}
.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}
.text-green{color:var(--green-bright)}
.text-red{color:var(--red)}

.skip-link{position:absolute;left:-9999px;top:0;z-index:1000;background:#fff;color:#000;padding:.75rem 1.25rem;font-weight:600}
.skip-link:focus{left:0}
:where(a,button,input,summary,[tabindex]):focus-visible{outline:none;box-shadow:var(--ring);border-radius:var(--r-sm)}

/* ---------- Fondo ---------- */
.bg-veil,.bg-grid{position:fixed;inset:0;pointer-events:none;z-index:0}
.bg-veil{background:
  radial-gradient(65vw 45vw at 15% -8%,rgba(255,255,255,.07),transparent 62%),
  radial-gradient(45vw 40vw at 92% 4%,rgba(255,255,255,.04),transparent 66%);}
.bg-grid{
  background-image:linear-gradient(rgba(255,255,255,.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.022) 1px,transparent 1px);
  background-size:72px 72px;
  mask-image:radial-gradient(72% 52% at 50% 18%,#000 10%,transparent 100%);
  -webkit-mask-image:radial-gradient(72% 52% at 50% 18%,#000 10%,transparent 100%);
}
main,.nav,.footer{position:relative;z-index:1}

/* ---------- Nav ---------- */
.nav{position:sticky;top:0;z-index:var(--z-nav);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);background:rgba(0,0,0,.55);border-bottom:1px solid transparent;transition:border-color var(--dur),background var(--dur)}
.nav.is-stuck{border-bottom-color:var(--border);background:rgba(0,0,0,.88)}
.nav-inner{display:flex;align-items:center;gap:1.25rem;height:66px}
.brand{display:inline-flex;align-items:center;gap:.55rem;text-decoration:none;font-weight:500;font-size:1rem;letter-spacing:-.02em}
.brand b{color:var(--fg-muted);font-weight:300}
.brand-mark{width:24px;height:24px;color:var(--fg);flex:none}
.nav-links{display:none;gap:1.5rem;margin-left:auto;font-size:.94rem}
.nav-links a{text-decoration:none;color:var(--fg-muted);position:relative;padding:.3rem 0;transition:color var(--dur)}
.nav-links a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:1px;background:var(--fg);transition:right var(--dur) var(--ease)}
.nav-links a:hover{color:var(--fg)}
.nav-links a:hover::after{right:0}
.nav-cta{display:none}
.nav-toggle{margin-left:auto;display:grid;place-items:center;width:44px;height:44px;background:var(--surface);border:1px solid var(--border);border-radius:var(--r-sm);cursor:pointer}
.nav-toggle-bars{display:grid;gap:5px;width:18px}
.nav-toggle-bars i{display:block;height:1.5px;background:var(--fg);border-radius:2px;transition:transform var(--dur) var(--ease)}
.nav-toggle[aria-expanded="true"] i:first-child{transform:translateY(3.25px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] i:last-child{transform:translateY(-3.25px) rotate(-45deg)}
.nav-mobile{display:flex;flex-direction:column;border-top:1px solid var(--border);background:rgba(0,0,0,.97);padding:.25rem clamp(1.1rem,4vw,2rem) .75rem}
.nav-mobile a{padding:.9rem 0;text-decoration:none;color:var(--fg-muted);border-bottom:1px solid var(--border);font-size:1rem}
.nav-mobile a:last-child{border-bottom:0}
@media (min-width:1000px){
  .nav-links{display:flex}
  .nav-cta{display:inline-flex}
  .nav-toggle{display:none}
  .nav-mobile{display:none!important}
}

/* ---------- Botones ---------- */
.btn{
  --mx:50%;--my:50%;
  position:relative;isolation:isolate;overflow:hidden;
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  min-height:48px;padding:.75rem 1.5rem;
  border-radius:var(--r-pill);border:1px solid var(--border-strong);
  background:var(--surface-2);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  color:var(--fg);font-family:var(--font-head);font-weight:500;font-size:.96rem;
  text-decoration:none;cursor:pointer;
  transition:transform var(--dur) var(--ease),border-color var(--dur),box-shadow var(--dur),background var(--dur),color var(--dur);
}
.btn svg{width:17px;height:17px;flex:none}
.btn::before{content:"";position:absolute;inset:0;z-index:-1;opacity:0;transition:opacity var(--dur) var(--ease);
  background:radial-gradient(150px circle at var(--mx) var(--my),rgba(255,255,255,.22),transparent 62%)}
.btn:hover::before{opacity:1}
.btn:hover{transform:translateY(-1px);border-color:var(--border-strong)}
.btn:active{transform:translateY(0)}
.btn-primary{background:#F2F4F3;color:#000;border-color:#F2F4F3;box-shadow:0 12px 30px -18px rgba(255,255,255,.6)}
.btn-primary::before{background:radial-gradient(140px circle at var(--mx) var(--my),rgba(255,255,255,.85),transparent 60%)}
.btn-primary:hover{box-shadow:0 16px 40px -16px rgba(255,255,255,.5)}
.btn-accent{background:var(--green-soft);border-color:rgba(34,197,94,.45);color:#7CE8A6}
.btn-accent::before{background:radial-gradient(150px circle at var(--mx) var(--my),rgba(34,197,94,.4),transparent 62%)}
.btn-accent:hover{color:#A6F4C4;border-color:rgba(34,197,94,.7)}
.btn-ghost{background:var(--surface);color:var(--fg-muted);border-color:var(--border)}
.btn-ghost:hover{color:var(--fg);border-color:var(--border-strong)}
.btn-sm{min-height:42px;padding:.5rem 1.1rem;font-size:.88rem}
.btn-block{width:100%;margin-top:.6rem}

/* ---------- Hero ---------- */
.hero{position:relative;padding:clamp(3rem,9vw,6.5rem) 0 clamp(2.5rem,7vw,5rem);overflow:hidden}
.hero-layer{position:absolute;inset:0;pointer-events:none;will-change:transform}
.hero-halo{background:radial-gradient(34vw 30vw at 72% 22%,rgba(255,255,255,.08),transparent 70%)}
.hero-rule{background-image:repeating-linear-gradient(112deg,transparent 0 46px,rgba(255,255,255,.035) 46px 47px);
  mask-image:linear-gradient(180deg,transparent,#000 42%,transparent);
  -webkit-mask-image:linear-gradient(180deg,transparent,#000 42%,transparent)}
.hero-inner{position:relative;max-width:860px}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--fg-muted);font-weight:500;margin:0 0 1.25rem;
  background:var(--surface);border:1px solid var(--border);border-radius:var(--r-pill);padding:.38rem .85rem}
.eyebrow-red{color:var(--red)}
.dot{width:6px;height:6px;border-radius:50%;background:var(--fg-muted);animation:pulse 3s var(--ease) infinite}
.dot-red{background:var(--red)}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.3}}
.lead{font-size:clamp(1.02rem,1.7vw,1.18rem);color:var(--fg-muted);max-width:62ch}
.lead b{color:var(--fg);font-weight:600}
.hero-cta{display:flex;flex-wrap:wrap;gap:.7rem;margin:1.9rem 0 2.75rem}
.hero-stats{list-style:none;display:grid;gap:1.1rem;padding:1.6rem 0 0;margin:0;grid-template-columns:1fr;border-top:1px solid var(--border)}
.hero-stats b{display:block;font-family:var(--font-head);font-size:clamp(1.3rem,3vw,1.6rem);font-weight:500;margin-bottom:.15rem}
.hero-stats span{color:var(--fg-dim);font-size:.9rem;line-height:1.5;display:block;max-width:36ch}
@media (min-width:760px){.hero-stats{grid-template-columns:repeat(3,1fr);gap:2rem}}

/* ---------- Secciones ---------- */
.section{padding:clamp(3rem,7vw,5.5rem) 0;position:relative}
.section-alt{background:var(--bg-2);border-block:1px solid var(--border)}
.sec-head{max-width:66ch;margin-bottom:clamp(1.75rem,3.5vw,2.75rem)}
.sec-sub{color:var(--fg-muted);font-size:1.02rem}

/* ---------- Cards ---------- */
.card{position:relative;background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);
  padding:clamp(1.15rem,2.2vw,1.6rem);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);box-shadow:var(--shadow)}
.card-tight{padding:1.25rem}
.card-title{font-size:1rem;margin:0 0 1rem;color:var(--fg)}
.card-head{display:flex;flex-wrap:wrap;gap:.6rem 1rem;align-items:center;justify-content:space-between;margin-bottom:1rem}
.card-head .card-title{margin:0}
.tag{font-size:.78rem;color:var(--fg-muted);background:var(--surface-2);border:1px solid var(--border);border-radius:var(--r-pill);padding:.22rem .7rem;white-space:nowrap}
.tag-strong{color:var(--fg);border-color:var(--border-strong);background:rgba(255,255,255,.08)}
.grid-2{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media (min-width:980px){.grid-2{grid-template-columns:1.1fr .9fr;gap:1.4rem}.grid-2-tight{grid-template-columns:1fr 1fr}}
.stack{display:grid;gap:1.1rem;align-content:start}
.stack p{margin:0;color:var(--fg-muted);font-size:.95rem}
.stack b{color:var(--fg);font-weight:600}

/* ---------- Gráficos ---------- */
.chart-box{width:100%;min-height:200px;position:relative}
.chart-box svg{display:block;width:100%;height:auto;overflow:visible}
.chart-box-lg{min-height:280px}
.chart-box-donut{min-height:0;display:grid;place-items:center}
.chart-note{font-size:.85rem;color:var(--fg-dim);margin:.85rem 0 0}
.legend{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem .9rem;padding:0;margin:0;font-size:.82rem;color:var(--fg-muted)}
.legend li{display:inline-flex;align-items:center;gap:.4rem}
.legend i{width:10px;height:10px;border-radius:3px;flex:none}
.chart-tip{position:absolute;pointer-events:none;z-index:5;transform:translate(-50%,-115%);
  background:rgba(10,10,10,.97);border:1px solid var(--border-strong);border-radius:var(--r-sm);
  padding:.5rem .65rem;font-size:.8rem;line-height:1.45;white-space:nowrap;box-shadow:var(--shadow);opacity:0;transition:opacity 140ms}
.chart-tip.is-on{opacity:1}
.chart-tip b{font-family:var(--font-head)}

.data-table{margin-top:1rem;border-top:1px solid var(--border);padding-top:.7rem}
.data-table summary{cursor:pointer;color:var(--fg-muted);font-size:.88rem;list-style:none;display:inline-flex;align-items:center;gap:.4rem;min-height:32px}
.data-table summary::before{content:"+";color:var(--fg);font-weight:600}
.data-table[open] summary::before{content:"−"}
table{width:100%;border-collapse:collapse;font-size:.88rem;margin-top:.7rem}
th,td{text-align:right;padding:.55rem .65rem;border-bottom:1px solid var(--border)}
th:first-child,td:first-child{text-align:left}
thead th{color:var(--fg-dim);font-weight:500;font-size:.76rem;text-transform:uppercase;letter-spacing:.07em}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ---------- Explicaciones "?" ---------- */
.info-wrap{position:relative;display:inline-flex;vertical-align:middle;margin-left:.15rem}
.info{position:relative;width:19px;height:19px;flex:none;display:grid;place-items:center;cursor:pointer;
  border-radius:50%;border:1px solid var(--border-strong);background:rgba(255,255,255,.05);
  color:var(--fg-muted);font-family:var(--font-head);font-size:.68rem;font-weight:500;line-height:1;padding:0;
  transition:color var(--dur),background var(--dur),border-color var(--dur)}
.info::after{content:"";position:absolute;inset:-13px}
.info:hover{color:var(--fg);background:rgba(255,255,255,.12);border-color:#fff}
.info[aria-expanded="true"]{color:#000;background:#F2F4F3;border-color:#F2F4F3}
.info-pop{position:absolute;z-index:80;top:calc(100% + 9px);left:50%;
  transform:translateX(calc(-50% + var(--shift,0px)));
  width:max-content;max-width:min(280px,72vw);
  background:#0C0C0C;border:1px solid var(--border-strong);border-radius:var(--r-md);
  padding:.7rem .8rem;font-family:var(--font-body);font-size:.85rem;font-weight:400;line-height:1.5;
  color:var(--fg-muted);text-align:left;letter-spacing:normal;white-space:normal;
  box-shadow:0 20px 40px -20px #000,0 0 0 1px rgba(0,0,0,.6)}
.info-pop b{display:block;color:var(--fg);font-family:var(--font-head);font-weight:500;margin-bottom:.2rem}
.label-row{display:flex;align-items:center;gap:.1rem;margin-bottom:.4rem}
.label-row label{margin-bottom:0}
.strat-meta .info-wrap{margin-left:.25rem}

/* ---------- Calculadora ---------- */
.calc{display:grid;gap:1.1rem;grid-template-columns:1fr;align-items:start}
.calc-side{display:grid;gap:1.1rem;align-content:start}
.calc-out{display:grid;gap:1.1rem;scroll-margin-top:82px}
@media (min-width:1024px){.calc{grid-template-columns:390px 1fr;gap:1.4rem}}

.field{margin-bottom:1.15rem;border:0;padding:0;min-width:0}
.field:last-child{margin-bottom:0}
.field label,.field legend{display:block;font-size:.88rem;font-weight:600;color:var(--fg);margin-bottom:.4rem;padding:0}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap input{width:100%;min-height:48px;padding:.55rem 3rem .55rem .95rem;
  background:rgba(255,255,255,.04);border:1px solid var(--border);border-radius:var(--r-sm);
  color:var(--fg);font-size:1.02rem;font-family:var(--font-head);font-weight:400;
  transition:border-color var(--dur),background var(--dur)}
.input-wrap input:hover{border-color:var(--border-strong)}
.input-wrap input:focus{outline:none;border-color:#fff;background:rgba(255,255,255,.07)}
.input-wrap input::placeholder{color:var(--fg-dim)}
.suffix{position:absolute;right:.95rem;color:var(--fg-dim);font-size:.88rem;pointer-events:none}
.select-wrap select{-webkit-appearance:none;appearance:none;width:100%;min-height:48px;padding:.55rem 2.4rem .55rem .95rem;
  background:rgba(255,255,255,.04);border:1px solid var(--border);border-radius:var(--r-sm);
  color:var(--fg);font-family:var(--font-head);font-size:.98rem;cursor:pointer;transition:border-color var(--dur),background var(--dur)}
.select-wrap select:hover{border-color:var(--border-strong)}
.select-wrap select:focus{outline:none;border-color:#fff;background:rgba(255,255,255,.07)}
.select-wrap select option{background:#0B0B0B;color:var(--fg)}
.hint{font-size:.82rem;color:var(--fg-dim);margin:.4rem 0 0}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.form-note{font-size:.83rem;color:var(--red);min-height:1.1em;margin:.2rem 0 .4rem}

.range{-webkit-appearance:none;appearance:none;width:100%;height:26px;background:transparent;margin:.55rem 0 0;cursor:pointer}
.range::-webkit-slider-runnable-track{height:3px;border-radius:2px;background:linear-gradient(90deg,#fff var(--fill,40%),rgba(255,255,255,.14) var(--fill,40%))}
.range::-moz-range-track{height:3px;border-radius:2px;background:rgba(255,255,255,.14)}
.range::-moz-range-progress{height:3px;border-radius:2px;background:#fff}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;margin-top:-7.5px;border-radius:50%;background:#fff;border:3px solid #000;box-shadow:0 0 0 1px rgba(255,255,255,.35)}
.range::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid #000}

/* Nivel de riesgo */
.risk{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem}
.risk-btn{--mx:50%;--my:50%;position:relative;overflow:hidden;isolation:isolate;cursor:pointer;text-align:center;
  padding:.75rem .5rem;border-radius:var(--r-sm);background:var(--surface);border:1px solid var(--border);
  transition:border-color var(--dur),background var(--dur),transform var(--dur) var(--ease);min-height:64px}
.risk-btn::before{content:"";position:absolute;inset:0;z-index:-1;opacity:0;transition:opacity var(--dur);
  background:radial-gradient(110px circle at var(--mx) var(--my),rgba(255,255,255,.16),transparent 62%)}
.risk-btn:hover::before{opacity:1}
.risk-btn:hover{border-color:var(--border-strong)}
.risk-btn b{display:block;font-family:var(--font-head);font-size:.92rem;font-weight:500}
.risk-btn span{display:block;font-size:.78rem;color:var(--fg-dim);margin-top:.15rem}
.risk-btn[aria-checked="true"]{background:rgba(255,255,255,.10);border-color:#fff}
.risk-btn[aria-checked="true"] span{color:var(--fg-muted)}

/* Cartera */
.alloc{display:grid;gap:1rem}
@media (min-width:420px) and (max-width:1023px){.alloc{grid-template-columns:200px 1fr;align-items:center}}
.assets{list-style:none;padding:0;margin:0;display:grid;gap:.85rem}
.asset{display:grid;grid-template-columns:auto 1fr auto auto;gap:.5rem .6rem;align-items:center}
.asset .a-dot{width:10px;height:10px;border-radius:3px;flex:none}
.asset .a-name{font-size:.9rem;color:var(--fg);min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.asset .a-name em{font-style:normal;color:var(--fg-dim);font-size:.8rem}
.asset .a-pct{font-family:var(--font-head);font-size:.9rem;min-width:3.4em;text-align:right}
.asset .range{grid-column:1/-1;margin-top:-.35rem}
.asset .a-del{position:relative;background:none;border:0;color:var(--fg-dim);cursor:pointer;font-size:1.15rem;line-height:1;
  width:32px;height:32px;display:grid;place-items:center;border-radius:8px}
.asset .a-del::after{content:"";position:absolute;inset:-6px}
.asset .a-del:hover{color:var(--red);background:var(--red-soft)}
.alloc-note{font-size:.82rem;color:var(--fg-dim);margin:.9rem 0 .2rem}
.add-panel{margin-top:.75rem;padding:1rem;border:1px dashed var(--border-strong);border-radius:var(--r-md);background:rgba(255,255,255,.02)}

/* KPIs */
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
@media (min-width:900px){.kpis{grid-template-columns:1.3fr 1fr 1fr 1fr}}
.kpi{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-md);padding:.95rem;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.kpi-hero{grid-column:1/-1;background:rgba(255,255,255,.055)}
@media (min-width:900px){.kpi-hero{grid-column:auto}}
.kpi-label{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--fg-dim);margin-bottom:.3rem}
.kpi-value{display:block;font-size:clamp(1.3rem,3vw,1.75rem);font-weight:500;letter-spacing:-.035em}
.kpi-hero .kpi-value{font-size:clamp(1.7rem,4.5vw,2.1rem)}
.kpi-foot{display:block;font-size:.79rem;color:var(--fg-dim);margin-top:.2rem}

.scenarios{list-style:none;padding:0;margin:0;display:grid;gap:.6rem}
.scenarios li{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.75rem .9rem;border-radius:var(--r-sm);background:rgba(255,255,255,.03);border:1px solid var(--border)}
.scenarios .s-name{display:flex;align-items:center;gap:.5rem;font-size:.9rem;color:var(--fg-muted)}
.scenarios .s-name i{width:9px;height:9px;border-radius:3px;flex:none}
.scenarios .s-val{font-family:var(--font-head);font-weight:500}

.disclaimer-inline{display:flex;gap:.65rem;align-items:flex-start;margin:1.75rem 0 0;padding:.9rem 1.1rem;border-radius:var(--r-md);
  background:var(--surface);border:1px solid var(--border);color:var(--fg-muted);font-size:.88rem}
.disclaimer-inline svg{width:19px;height:19px;flex:none;color:var(--red);margin-top:2px}
.disclaimer-inline b{color:var(--fg)}

/* ---------- Estrategias ---------- */
.strategy-grid{display:grid;gap:1.1rem;grid-template-columns:1fr}
@media (min-width:860px){.strategy-grid{grid-template-columns:repeat(3,1fr)}}
.strat{display:flex;flex-direction:column;gap:.9rem}
.strat-head{display:flex;align-items:baseline;justify-content:space-between;gap:.75rem}
.strat-head h3{margin:0}
.strat-r{font-family:var(--font-head);color:var(--fg);font-size:1.05rem}
.strat-bar{display:flex;height:8px;border-radius:var(--r-pill);overflow:hidden;background:rgba(255,255,255,.06)}
.strat-bar i{display:block;height:100%}
.strat-list{list-style:none;padding:0;margin:0;display:grid;gap:.4rem;font-size:.88rem;color:var(--fg-muted)}
.strat-list li{display:flex;align-items:center;gap:.5rem}
.strat-list i{width:9px;height:9px;border-radius:3px;flex:none}
.strat-list span{margin-left:auto;color:var(--fg);font-family:var(--font-head);font-size:.85rem}
.strat-meta{display:grid;gap:.35rem;font-size:.84rem;color:var(--fg-dim);border-top:1px solid var(--border);padding-top:.8rem;margin-top:auto}
.strat-meta div{display:flex;justify-content:space-between;gap:.75rem}
.strat-meta b{font-weight:500;color:var(--fg-muted)}
.strat .btn{margin-top:.3rem}

/* ---------- Pasos / bróker / asesor ---------- */
.steps{list-style:none;padding:0;margin:0 0 1.75rem;display:grid;gap:1.1rem}
@media (min-width:860px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps p{margin:0;color:var(--fg-muted);font-size:.95rem}
.step-num{display:block;font-size:.85rem;color:var(--fg-dim);letter-spacing:.12em;margin-bottom:.55rem}
.cta-broker{background:linear-gradient(135deg,rgba(255,255,255,.07),rgba(255,255,255,.02) 55%)}
.cta-broker-body{max-width:62ch}
.cta-broker h3{font-size:clamp(1.25rem,2.4vw,1.65rem);margin-bottom:.55rem}
.cta-broker p{color:var(--fg-muted)}
.cta-legal{font-size:.8rem;color:var(--fg-dim);margin:1rem 0 0}
.advice-title{font-size:clamp(1.35rem,2.8vw,1.9rem)}
.advice p{color:var(--fg-muted);max-width:70ch}
.check-list{list-style:none;padding:0;margin:0 0 1.4rem;display:grid;gap:.55rem;color:var(--fg-muted);font-size:.94rem}
.check-list li{position:relative;padding-left:1.6rem}
.check-list li::before{content:"";position:absolute;left:0;top:.6em;width:8px;height:8px;border-radius:2px;background:var(--fg-muted)}
.check-list b{color:var(--fg)}

/* ---------- FAQ ---------- */
.faq{display:grid;gap:.6rem}
.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-md);overflow:hidden;transition:border-color var(--dur),background var(--dur)}
.faq-item[open]{border-color:var(--border-strong);background:rgba(255,255,255,.05)}
.faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:1rem;
  padding:1rem 1.15rem;min-height:56px;font-family:var(--font-head);font-weight:400;font-size:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"";width:10px;height:10px;flex:none;border-right:1.5px solid var(--fg-muted);border-bottom:1.5px solid var(--fg-muted);transform:rotate(45deg) translateY(-3px);transition:transform var(--dur) var(--ease)}
.faq-item[open] summary::after{transform:rotate(-135deg) translateY(-3px)}
.faq-item .faq-body{padding:0 1.15rem 1.15rem;color:var(--fg-muted);font-size:.97rem}
.faq-item .faq-body p{margin:0}

/* ---------- Sticky bar móvil + volver arriba ---------- */
.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:90;display:flex;align-items:center;justify-content:space-between;gap:1rem;
  padding:.7rem clamp(1.1rem,4vw,2rem) calc(.7rem + env(safe-area-inset-bottom));
  background:rgba(0,0,0,.92);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-top:1px solid var(--border);
  transform:translateY(110%);visibility:hidden;transition:transform 260ms var(--ease),visibility 260ms}
.sticky-bar.is-on{transform:none;visibility:visible}
.sticky-info{display:grid;line-height:1.25;min-width:0}
.sticky-info span{font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;color:var(--fg-dim)}
.sticky-info b{font-family:var(--font-head);font-size:1.12rem;font-weight:500;color:var(--fg)}
@media (min-width:1024px){.sticky-bar{display:none}}

.to-top{position:fixed;right:clamp(1rem,4vw,2rem);bottom:calc(4.6rem + env(safe-area-inset-bottom));z-index:89;
  width:44px;height:44px;display:grid;place-items:center;border-radius:50%;cursor:pointer;
  background:rgba(0,0,0,.8);border:1px solid var(--border-strong);color:var(--fg);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity var(--dur),transform var(--dur),visibility var(--dur)}
.to-top.is-on{opacity:1;visibility:visible;transform:none}
.to-top svg{width:19px;height:19px}
@media (min-width:1024px){.to-top{bottom:clamp(1rem,4vw,2rem)}}

/* ---------- Footer ---------- */
.footer{border-top:1px solid var(--border);padding:2.75rem 0 2.5rem;background:var(--bg)}
.footer-top{display:flex;flex-wrap:wrap;gap:1.1rem;justify-content:space-between;align-items:center;padding-bottom:1.5rem;border-bottom:1px solid var(--border)}
.footer-links{display:flex;flex-wrap:wrap;gap:1.1rem;font-size:.92rem}
.footer-links a{color:var(--fg-muted);text-decoration:none}
.footer-links a:hover{color:var(--fg)}
.legal{font-size:.82rem;color:var(--fg-dim);margin:1.5rem 0 1rem;max-width:95ch;line-height:1.7}
.legal b{color:var(--fg-muted)}
.copy{font-size:.82rem;color:var(--fg-dim);margin:0}

/* ---------- Motion ---------- */
[data-reveal]{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
[data-reveal].is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  [data-reveal]{opacity:1;transform:none}
  .hero-layer{transform:none!important}
}