:root{
  --gold:#c5a572;--gold-dark:#a8884f;--gold-light:#e6d2a8;
  --navy:#0b1d3a;--navy-deep:#06122a;
  --cream:#faf6ef;--cream-dark:#f0e9dc;
  --ink:#1a2236;--gray:#6b7280;--gray-light:#e5e7eb;--white:#ffffff;
  --success:#16a085;--danger:#c0392b;--warning:#e67e22;
  --shadow-soft:0 4px 20px rgba(11,29,58,.08);
  --shadow-lift:0 12px 40px rgba(11,29,58,.15);
  --shadow-deep:0 20px 60px rgba(11,29,58,.25);
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'Inter',-apple-system,sans-serif;color:var(--ink);background:var(--cream);line-height:1.6;overflow-x:hidden;}

/* TOPBAR */
.topbar{background:var(--navy-deep);color:var(--cream);font-size:.78rem;padding:8px 0;letter-spacing:.05em;}
.topbar-inner{max-width:1400px;margin:0 auto;padding:0 24px;display:flex;justify-content:space-between;align-items:center;}
.topbar-inner .gold{color:var(--gold);font-weight:600;}

/* HEADER */
header{background:var(--white);position:sticky;top:0;z-index:100;border-bottom:1px solid var(--gray-light);box-shadow:var(--shadow-soft);}
.nav-inner{max-width:1400px;margin:0 auto;padding:18px 24px;display:flex;justify-content:space-between;align-items:center;}
.brand{font-family:'Playfair Display',serif;font-size:1.7rem;font-weight:700;color:var(--navy);letter-spacing:.02em;display:flex;align-items:center;gap:10px;text-decoration:none;cursor:pointer;}
.brand-mark{width:40px;height:40px;background:linear-gradient(135deg,var(--gold),var(--gold-dark));border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--white);font-weight:900;font-size:1.3rem;}
.brand-text{display:flex;flex-direction:column;line-height:1;}
.brand-name{font-size:1.4rem;}
.brand-tag{font-family:'Inter',sans-serif;font-size:.65rem;font-weight:500;color:var(--gold-dark);letter-spacing:.2em;text-transform:uppercase;margin-top:4px;}
nav ul{list-style:none;display:flex;gap:28px;align-items:center;}
nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.9rem;position:relative;padding:6px 0;transition:color .2s;cursor:pointer;}
nav a:hover,nav a.active-nav{color:var(--gold-dark);}
nav a::after{content:'';position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--gold);transition:width .3s;}
nav a:hover::after,nav a.active-nav::after{width:100%;}
.btn-nav{background:var(--navy);color:var(--white)!important;padding:10px 20px;border-radius:4px;font-weight:600;}
.btn-nav:hover{background:var(--gold-dark);}
.btn-nav::after{display:none!important;}
.btn-nav.active-nav{background:var(--gold-dark);}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-deep) 100%);color:var(--white);padding:90px 24px 110px;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 20% 30%,rgba(197,165,114,.15) 0%,transparent 50%),radial-gradient(circle at 80% 70%,rgba(197,165,114,.1) 0%,transparent 50%);pointer-events:none;}
.hero-pattern{position:absolute;top:0;right:0;width:50%;height:100%;opacity:.05;background-image:repeating-linear-gradient(45deg,var(--gold) 0,var(--gold) 1px,transparent 1px,transparent 40px),repeating-linear-gradient(-45deg,var(--gold) 0,var(--gold) 1px,transparent 1px,transparent 40px);}
.hero-inner{max-width:1200px;margin:0 auto;text-align:center;position:relative;z-index:2;}
.hero-eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.3em;color:var(--gold);text-transform:uppercase;margin-bottom:24px;}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,5.5vw,4.4rem);font-weight:700;line-height:1.1;margin-bottom:24px;letter-spacing:-.02em;}
.hero h1 .accent{color:var(--gold);font-style:italic;font-weight:400;}
.hero-sub{font-size:1.15rem;font-weight:300;max-width:680px;margin:0 auto 16px;opacity:.9;line-height:1.7;}
.hero-nav-hint{font-size:.9rem;opacity:.75;margin-bottom:32px;font-style:italic;}
.hero-nav-hint span{color:var(--gold);font-style:normal;font-weight:600;}
.hero-cta{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}
.btn-primary{background:var(--gold);color:var(--navy-deep);padding:16px 36px;border:none;border-radius:4px;font-weight:700;font-size:.95rem;letter-spacing:.05em;text-transform:uppercase;cursor:pointer;text-decoration:none;display:inline-block;transition:all .3s;box-shadow:0 8px 20px rgba(197,165,114,.3);font-family:inherit;}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-2px);}
.btn-secondary{background:transparent;color:var(--white);padding:16px 36px;border:1px solid rgba(255,255,255,.3);border-radius:4px;font-weight:600;font-size:.95rem;letter-spacing:.05em;text-transform:uppercase;cursor:pointer;text-decoration:none;display:inline-block;transition:all .3s;font-family:inherit;}
.btn-secondary:hover{background:rgba(255,255,255,.1);border-color:var(--gold);}
.hero-trust{margin-top:60px;display:flex;justify-content:center;gap:48px;flex-wrap:wrap;opacity:.9;}
.trust-item{text-align:center;}
.trust-num{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:700;color:var(--gold);display:block;}
.trust-label{font-size:.75rem;letter-spacing:.2em;text-transform:uppercase;opacity:.75;}

/* NAVIGATION CARDS on home */
.nav-cards{padding:70px 24px;}
.nav-cards-inner{max-width:1200px;margin:0 auto;}
.nav-cards-title{font-family:'Playfair Display',serif;font-size:1.9rem;color:var(--navy);text-align:center;margin-bottom:10px;}
.nav-cards-sub{text-align:center;color:var(--gray);margin-bottom:48px;font-size:1rem;}
.nav-cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;}
.nav-card{background:var(--white);border-radius:12px;padding:32px 28px;border:1.5px solid var(--gray-light);cursor:pointer;transition:all .3s;position:relative;overflow:hidden;text-decoration:none;color:inherit;display:block;}
.nav-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--gold-dark));}
.nav-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lift);border-color:var(--gold);}
.nav-card-icon{font-size:2.2rem;margin-bottom:16px;display:block;}
.nav-card-title{font-family:'Playfair Display',serif;font-size:1.2rem;font-weight:700;color:var(--navy);margin-bottom:10px;}
.nav-card-desc{color:var(--gray);font-size:.9rem;line-height:1.6;margin-bottom:16px;}
.nav-card-link{color:var(--gold-dark);font-weight:600;font-size:.85rem;letter-spacing:.05em;text-transform:uppercase;}

/* MAIN CONTENT */
.main-content{max-width:1200px;margin:0 auto;padding:0 24px;}
section{padding:90px 0;}
.section-header{text-align:center;margin-bottom:60px;}
.section-eyebrow{font-size:.75rem;font-weight:700;letter-spacing:.3em;color:var(--gold-dark);text-transform:uppercase;margin-bottom:16px;display:block;}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(2rem,4vw,3.2rem);font-weight:700;color:var(--navy);line-height:1.15;margin-bottom:20px;letter-spacing:-.01em;}
.section-title .italic{font-style:italic;color:var(--gold-dark);font-weight:400;}
.section-lead{max-width:720px;margin:0 auto;color:var(--gray);font-size:1.05rem;line-height:1.8;}

/* SUBPAGE HEADER */
.subpage-hero{background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:var(--white);padding:60px 24px;text-align:center;position:relative;overflow:hidden;}
.subpage-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 50% 50%,rgba(197,165,114,.12) 0%,transparent 60%);pointer-events:none;}
.subpage-hero-inner{max-width:900px;margin:0 auto;position:relative;z-index:2;}
.subpage-breadcrumb{font-size:.78rem;letter-spacing:.15em;text-transform:uppercase;opacity:.65;margin-bottom:16px;}
.subpage-breadcrumb span{color:var(--gold);}
.subpage-breadcrumb a{color:inherit;text-decoration:none;}
.subpage-breadcrumb a:hover{color:var(--gold);}
.subpage-hero h1{font-family:'Playfair Display',serif;font-size:clamp(2rem,4vw,3.2rem);font-weight:700;line-height:1.15;margin-bottom:16px;}
.subpage-hero p{font-size:1.05rem;font-weight:300;opacity:.9;max-width:640px;margin:0 auto;}

/* CALCULADORA */
.calc-wrapper{background:var(--white);border-radius:12px;box-shadow:var(--shadow-deep);overflow:hidden;border:1px solid var(--gray-light);}
.calc-header{background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:var(--white);padding:32px 40px;}
.calc-header h3{font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;margin-bottom:6px;}
.calc-header p{opacity:.85;font-weight:300;}
.presets{padding:28px 40px;background:var(--cream-dark);border-bottom:1px solid var(--gray-light);}
.presets-label{font-size:.75rem;font-weight:700;letter-spacing:.2em;color:var(--navy);text-transform:uppercase;margin-bottom:16px;display:block;}
.preset-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;}
.preset-btn{background:var(--white);border:1.5px solid var(--gray-light);padding:14px 18px;border-radius:8px;cursor:pointer;text-align:left;transition:all .25s;font-family:inherit;}
.preset-btn:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:var(--shadow-soft);}
.preset-btn.active{border-color:var(--gold);background:linear-gradient(135deg,var(--gold-light),var(--white));}
.preset-btn .price{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;color:var(--navy);display:block;}
.preset-btn .desc{font-size:.72rem;color:var(--gray);letter-spacing:.05em;text-transform:uppercase;margin-top:4px;}
.calc-body{padding:40px;}
.sliders-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:32px;margin-bottom:40px;}
.slider-block{}
.slider-label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px;}
.slider-label .name{font-weight:600;font-size:.95rem;color:var(--navy);}
.slider-label .info{font-size:.7rem;color:var(--gray);text-transform:uppercase;letter-spacing:.1em;}
.slider-input-row{display:flex;align-items:center;gap:12px;background:var(--cream);padding:8px 12px;border-radius:8px;border:1.5px solid var(--gray-light);margin-bottom:12px;transition:border-color .2s;}
.slider-input-row:focus-within{border-color:var(--gold);}
.slider-input-row input[type="number"]{flex:1;border:none;background:transparent;font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;color:var(--navy);outline:none;width:100%;}
.slider-input-row .unit{color:var(--gold-dark);font-weight:600;font-size:1.1rem;}
.slider-block input[type="range"]{width:100%;-webkit-appearance:none;appearance:none;height:4px;background:var(--gray-light);border-radius:2px;outline:none;}
.slider-block input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--gold);border-radius:50%;cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(197,165,114,.5);transition:transform .15s;}
.slider-block input[type="range"]::-webkit-slider-thumb:hover{transform:scale(1.15);}
.slider-minmax{display:flex;justify-content:space-between;font-size:.7rem;color:var(--gray);margin-top:6px;}
.max-price-card{background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:var(--white);padding:36px 40px;border-radius:10px;margin-bottom:32px;position:relative;overflow:hidden;}
.max-price-card::before{content:'';position:absolute;top:-50%;right:-10%;width:300px;height:300px;background:radial-gradient(circle,rgba(197,165,114,.2),transparent 70%);border-radius:50%;}
.max-price-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;position:relative;z-index:1;}
.max-price-item .label{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;opacity:.7;margin-bottom:8px;display:block;}
.max-price-item .value{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:var(--gold);}
.max-price-item .sub{font-size:.82rem;opacity:.75;margin-top:4px;}
.chart-section{background:var(--cream);padding:32px;border-radius:10px;margin-bottom:32px;}
.chart-title{font-family:'Playfair Display',serif;font-size:1.4rem;color:var(--navy);margin-bottom:6px;}
.chart-subtitle{color:var(--gray);font-size:.9rem;margin-bottom:24px;}
.chart-container{position:relative;height:340px;background:var(--white);border-radius:8px;padding:20px;}
.chart-legend{display:flex;gap:24px;flex-wrap:wrap;margin-top:20px;font-size:.85rem;}
.legend-dot{display:inline-block;width:12px;height:12px;border-radius:2px;margin-right:8px;vertical-align:middle;}
.cross-explainer{background:linear-gradient(135deg,#fef9f0,var(--white));border:2px solid var(--gold-light);border-radius:10px;padding:28px 32px;margin-bottom:32px;}
.cross-explainer h4{font-family:'Playfair Display',serif;font-size:1.35rem;color:var(--navy);margin-bottom:16px;display:flex;align-items:center;gap:12px;}
.cross-explainer h4 .icon{background:var(--gold);width:36px;height:36px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;color:var(--navy-deep);font-size:1.1rem;font-weight:900;}
.cross-explainer p{font-size:.96rem;line-height:1.75;color:var(--ink);margin-bottom:14px;}
.cross-explainer .visual-example{background:var(--white);border-left:4px solid var(--gold);padding:18px 22px;margin:18px 0;border-radius:6px;font-size:.9rem;line-height:1.7;}
.cross-explainer .small-note{font-size:.85rem;color:var(--gray);font-style:italic;display:block;margin-top:8px;}
.summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-bottom:32px;}
.summary-card{background:var(--white);border:1.5px solid var(--gray-light);padding:24px;border-radius:8px;}
.summary-card.highlight{background:linear-gradient(135deg,#fef9f0,var(--white));border-color:var(--gold);}
.summary-card .label{font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gray);margin-bottom:10px;display:block;font-weight:600;}
.summary-card .value{font-family:'Playfair Display',serif;font-size:1.7rem;font-weight:700;color:var(--navy);}
.summary-card .value.danger{color:var(--danger);}
.summary-card .value.success{color:var(--success);}
.summary-card .sub{font-size:.78rem;color:var(--gray);margin-top:6px;}
.recos{background:linear-gradient(135deg,#fef9f0,var(--cream));border-left:4px solid var(--gold);padding:28px 32px;border-radius:8px;}
.recos h4{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--navy);margin-bottom:16px;display:flex;align-items:center;gap:10px;}
.recos h4::before{content:'★';color:var(--gold);}
.recos ul{list-style:none;}
.recos li{padding:10px 0 10px 28px;position:relative;font-size:.95rem;line-height:1.6;}
.recos li::before{content:'';position:absolute;left:0;top:18px;width:14px;height:1.5px;background:var(--gold);}

/* SUBPAGES CONTENT */
.gastos-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;}
.gasto-card{background:var(--cream);padding:32px 28px;border-radius:10px;border-top:3px solid var(--gold);transition:transform .3s,box-shadow .3s;}
.gasto-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lift);}
.gasto-num{font-family:'Playfair Display',serif;font-size:3rem;font-weight:900;color:var(--gold);line-height:1;opacity:.4;}
.gasto-card h3{font-family:'Playfair Display',serif;font-size:1.4rem;color:var(--navy);margin:12px 0 12px;}
.gasto-pct{display:inline-block;background:var(--navy);color:var(--white);font-size:.75rem;font-weight:700;padding:4px 12px;border-radius:20px;margin-bottom:14px;letter-spacing:.05em;}
.gasto-card p{color:var(--gray);font-size:.92rem;line-height:1.7;}
.itp-table-wrapper{background:var(--cream);padding:40px;border-radius:12px;margin-top:60px;}
.itp-table-wrapper h3{font-family:'Playfair Display',serif;font-size:1.8rem;color:var(--navy);margin-bottom:24px;text-align:center;}
.itp-table{width:100%;border-collapse:collapse;background:var(--white);border-radius:8px;overflow:hidden;box-shadow:var(--shadow-soft);}
.itp-table th{background:var(--navy);color:var(--white);padding:16px;text-align:left;font-size:.85rem;letter-spacing:.05em;}
.itp-table td{padding:14px 16px;border-bottom:1px solid var(--gray-light);font-size:.92rem;}
.itp-table tr:last-child td{border-bottom:none;}
.itp-table tr:hover{background:var(--cream);}
.itp-table .ccaa{font-weight:600;color:var(--navy);}

/* Errores */
.errores-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;}
.error-card{background:linear-gradient(135deg,#fff5f1,var(--white));border-left:4px solid var(--danger);border-radius:10px;padding:28px;transition:transform .25s;}
.error-card:hover{transform:translateY(-3px);}
.error-tag{display:inline-block;background:var(--danger);color:var(--white);font-size:.7rem;font-weight:700;letter-spacing:.15em;padding:4px 12px;border-radius:20px;text-transform:uppercase;margin-bottom:12px;}
.error-card h3{font-family:'Playfair Display',serif;font-size:1.25rem;color:var(--navy);margin-bottom:10px;}
.error-card p{color:var(--ink);font-size:.92rem;line-height:1.7;margin-bottom:14px;}
.error-fix{background:var(--white);border-left:3px solid var(--success);padding:10px 14px;font-size:.86rem;border-radius:4px;}
.error-fix strong{color:var(--success);}

/* Checklist */
.checklist-wrap{display:grid;grid-template-columns:1fr 1fr;gap:32px;}
.checklist-col{background:var(--white);padding:36px 32px;border-radius:12px;box-shadow:var(--shadow-soft);border-top:4px solid var(--gold);}
.checklist-col h3{font-family:'Playfair Display',serif;font-size:1.5rem;color:var(--navy);margin-bottom:8px;display:flex;align-items:center;gap:10px;}
.checklist-col .subtitle{font-size:.85rem;color:var(--gray);margin-bottom:24px;}
.checklist-items{list-style:none;}
.checklist-items li{display:flex;align-items:flex-start;gap:14px;padding:14px 8px;border-bottom:1px solid var(--gray-light);cursor:pointer;border-radius:6px;transition:background .15s;}
.checklist-items li:hover{background:var(--cream);}
.checklist-items li:last-child{border-bottom:none;}
.checklist-check{width:22px;height:22px;border:2px solid var(--gold);border-radius:5px;flex-shrink:0;margin-top:2px;display:flex;align-items:center;justify-content:center;transition:all .2s;background:var(--white);}
.checklist-items li.checked .checklist-check{background:var(--success);border-color:var(--success);}
.checklist-items li.checked .checklist-check::after{content:'✓';color:white;font-weight:900;font-size:.85rem;}
.checklist-items li.checked .check-text{text-decoration:line-through;color:var(--gray);}
.check-text strong{color:var(--navy);font-weight:600;}
.check-text small{display:block;color:var(--gray);font-size:.82rem;margin-top:3px;}

/* Proceso */
.timeline{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;}
.timeline-step{background:var(--white);padding:32px 24px;border-radius:10px;text-align:center;position:relative;box-shadow:var(--shadow-soft);transition:transform .3s;}
.timeline-step:hover{transform:translateY(-4px);}
.timeline-step .step-num{position:absolute;top:-20px;left:50%;transform:translateX(-50%);width:48px;height:48px;background:var(--gold);color:var(--navy-deep);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:1.2rem;box-shadow:var(--shadow-lift);border:4px solid var(--cream);}
.timeline-step h4{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--navy);margin:20px 0 12px;}
.timeline-step p{color:var(--gray);font-size:.88rem;line-height:1.6;}

/* Glosario */
.glos-search{max-width:500px;margin:0 auto 40px;position:relative;}
.glos-search input{width:100%;padding:16px 20px 16px 50px;border:2px solid var(--gray-light);border-radius:30px;font-family:inherit;font-size:.95rem;outline:none;transition:border-color .2s;background:var(--cream);}
.glos-search input:focus{border-color:var(--gold);}
.glos-search::before{content:'🔍';position:absolute;left:20px;top:50%;transform:translateY(-50%);font-size:1.1rem;opacity:.5;}
.glos-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;}
.glos-item{background:var(--cream);padding:24px;border-radius:10px;border-left:3px solid var(--gold);transition:all .2s;}
.glos-item:hover{transform:translateY(-2px);box-shadow:var(--shadow-soft);}
.glos-item.hidden{display:none;}
.glos-term{font-family:'Playfair Display',serif;font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:4px;}
.glos-acro{font-size:.75rem;font-weight:600;color:var(--gold-dark);letter-spacing:.1em;margin-bottom:10px;}
.glos-def{font-size:.9rem;color:var(--ink);line-height:1.65;}

/* FAQ */
.faq-grid{max-width:900px;margin:0 auto;}
.faq-item{background:var(--cream);margin-bottom:14px;border-radius:8px;overflow:hidden;border:1px solid var(--gray-light);transition:border-color .2s;}
.faq-item.open{border-color:var(--gold);}
.faq-q{padding:22px 28px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:600;color:var(--navy);font-size:1.02rem;user-select:none;}
.faq-q:hover{color:var(--gold-dark);}
.faq-toggle{width:32px;height:32px;background:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.2rem;color:var(--gold-dark);transition:transform .3s;flex-shrink:0;margin-left:16px;}
.faq-item.open .faq-toggle{transform:rotate(45deg);background:var(--gold);color:var(--white);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .3s;padding:0 28px;color:var(--gray);line-height:1.7;font-size:.95rem;}
.faq-item.open .faq-a{max-height:500px;padding:0 28px 24px;}

/* BLOG PAGE */
.blog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:32px;}
.blog-card{background:var(--white);border-radius:12px;overflow:hidden;border:1.5px solid var(--gray-light);transition:all .3s;cursor:pointer;text-decoration:none;color:inherit;display:block;}
.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lift);border-color:var(--gold);}
.blog-card-top{height:6px;background:linear-gradient(90deg,var(--gold),var(--gold-dark));}
.blog-card-body{padding:28px;}
.blog-card-cat{display:inline-block;background:var(--cream-dark);color:var(--gold-dark);font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:16px;}
.blog-card-title{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;color:var(--navy);line-height:1.3;margin-bottom:12px;}
.blog-card-intro{color:var(--gray);font-size:.92rem;line-height:1.65;margin-bottom:20px;}
.blog-card-meta{display:flex;align-items:center;justify-content:space-between;font-size:.78rem;color:var(--gray);padding-top:16px;border-top:1px solid var(--gray-light);flex-wrap:wrap;gap:8px;}
.blog-card-readtime{color:var(--gold-dark);font-weight:600;}
.blog-card-link{color:var(--navy);font-weight:600;font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;}
.blog-card:hover .blog-card-link{color:var(--gold-dark);}

/* ARTICLE PAGE */
.article-wrapper{max-width:820px;margin:0 auto;}
.article-header{margin-bottom:48px;}
.article-cat{display:inline-block;background:var(--gold-light);color:var(--gold-dark);font-size:.75rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;padding:6px 16px;border-radius:20px;margin-bottom:20px;}
.article-title{font-family:'Playfair Display',serif;font-size:clamp(1.9rem,4vw,3rem);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:20px;}
.article-meta{display:flex;gap:24px;align-items:center;padding:16px 0;border-top:1px solid var(--gray-light);border-bottom:1px solid var(--gray-light);margin-bottom:40px;font-size:.85rem;color:var(--gray);flex-wrap:wrap;}
.article-meta strong{color:var(--navy);}
.article-body h2{font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;color:var(--navy);margin:48px 0 20px;padding-bottom:12px;border-bottom:2px solid var(--gold-light);}
.article-body h3{font-family:'Playfair Display',serif;font-size:1.35rem;font-weight:700;color:var(--navy);margin:36px 0 16px;}
.article-body p{font-size:1.02rem;line-height:1.85;color:var(--ink);margin-bottom:22px;}
.article-body ul,.article-body ol{margin:0 0 22px 28px;}
.article-body li{font-size:.98rem;line-height:1.75;color:var(--ink);margin-bottom:8px;}
.article-body .highlight-box{background:linear-gradient(135deg,#fef9f0,var(--white));border-left:4px solid var(--gold);padding:24px 28px;border-radius:8px;margin:32px 0;}
.article-body .highlight-box p{margin-bottom:0;}
.article-body .data-box{background:var(--navy);color:var(--white);padding:24px 28px;border-radius:8px;margin:32px 0;}
.article-body .data-box p{color:rgba(255,255,255,.9);margin-bottom:0;}
.article-body .data-box strong{color:var(--gold);}
.article-back{display:inline-flex;align-items:center;gap:10px;color:var(--gold-dark);font-weight:600;cursor:pointer;font-size:.9rem;margin-bottom:32px;transition:gap .2s;text-decoration:none;}
.article-back:hover{gap:14px;}

/* DECO */
.deco-diamond{display:inline-block;width:8px;height:8px;background:var(--gold);transform:rotate(45deg);margin:0 8px;vertical-align:middle;}

/* FOOTER */
footer{background:var(--navy-deep);color:var(--cream);padding:60px 24px 24px;}
.footer-inner{max-width:1400px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:48px;}
.footer-col h5{font-family:'Playfair Display',serif;color:var(--gold);font-size:1.05rem;margin-bottom:18px;font-weight:600;}
.footer-col ul{list-style:none;}
.footer-col li{margin-bottom:10px;}
.footer-col a,.footer-col .flink{color:var(--cream);opacity:.7;text-decoration:none;font-size:.9rem;transition:all .2s;cursor:pointer;}
.footer-col a:hover,.footer-col .flink:hover{opacity:1;color:var(--gold);}
.footer-bottom{max-width:1400px;margin:0 auto;border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.82rem;opacity:.6;}

/* MODAL LEGAL */
#legal-overlay{display:none;position:fixed;inset:0;background:rgba(6,18,42,.7);z-index:1000;backdrop-filter:blur(4px);overflow-y:auto;padding:40px 20px;}
#legal-modal{background:var(--white);max-width:820px;margin:0 auto;border-radius:12px;overflow:hidden;box-shadow:var(--shadow-deep);position:relative;}
.modal-tab{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.8);padding:7px 16px;border-radius:20px;font-family:inherit;font-size:.8rem;font-weight:600;cursor:pointer;letter-spacing:.04em;transition:all .2s;}
.modal-tab:hover,.modal-tab.active{background:var(--gold);color:var(--navy-deep);border-color:var(--gold);}
#modal-content{padding:40px 48px 48px;}
.modal-section-title{font-family:'Playfair Display',serif;font-size:2.2rem;font-weight:700;color:var(--navy);margin-bottom:6px;}
.modal-subtitle{color:var(--gray);font-size:1rem;margin-bottom:28px;}
.modal-badge{display:inline-block;background:var(--navy);color:var(--white);font-size:.7rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;padding:5px 14px;border-radius:20px;margin-bottom:16px;}
.modal-divider{border:none;border-top:1px solid var(--gray-light);margin:28px 0;}
.modal-h{font-family:'Playfair Display',serif;font-size:1.25rem;color:var(--navy);margin:28px 0 12px;padding-left:14px;border-left:3px solid var(--gold);}
.modal-p{color:var(--ink);font-size:.95rem;line-height:1.75;margin-bottom:14px;}
.modal-ul{list-style:none;padding:0;margin:0 0 14px;}
.modal-ul li{padding:7px 0 7px 22px;position:relative;color:var(--ink);font-size:.93rem;line-height:1.6;}
.modal-ul li::before{content:'–';position:absolute;left:0;color:var(--gold-dark);}
.modal-table{width:100%;border-collapse:collapse;background:var(--cream);border-radius:10px;overflow:hidden;margin:20px 0;}
.modal-table tr{border-bottom:1px solid var(--gray-light);}
.modal-table tr:last-child{border-bottom:none;}
.modal-table td{padding:14px 18px;font-size:.92rem;}
.modal-table td:first-child{color:var(--gray);font-weight:500;width:42%;}
.modal-table td:last-child{color:var(--navy);font-weight:600;text-align:right;}

/* RESPONSIVE */
@media(max-width:1100px){.footer-inner{grid-template-columns:1fr 1fr;}.checklist-wrap{grid-template-columns:1fr;}}
@media(max-width:768px){nav ul{gap:10px;}nav ul li:not(:last-child):not(:nth-last-child(2)){display:none;}.hero{padding:60px 20px 80px;}.calc-header,.presets,.calc-body{padding:24px;}.footer-inner{grid-template-columns:1fr;gap:32px;}section{padding:60px 0;}.blog-grid{grid-template-columns:1fr;}.checklist-wrap{grid-template-columns:1fr;}}
section[id]{scroll-margin-top:80px;}