:root{--bg:#f5f7fb;--card:#fff;--ink:#142033;--muted:#687386;--line:#e4e8f0;--blue:#315bea;--blue2:#2446bd;--soft:#eef2ff;--green:#15946b;--red:#d94b58;--shadow:0 14px 40px rgba(20,32,51,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}
button,input,select{font:inherit}.container{width:min(1180px,92%);margin:auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{height:72px;display:flex;align-items:center;justify-content:space-between}.logo{font-weight:950;font-size:23px;letter-spacing:-1px}.logo b{color:var(--blue)}
.navlinks{display:flex;gap:22px;font-size:14px;color:#4c5668}.navlinks a:hover{color:var(--blue)}
.btn{border:0;border-radius:12px;padding:12px 18px;font-weight:850;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;transition:.15s}.primary{background:var(--blue);color:#fff}.primary:hover{background:var(--blue2);transform:translateY(-1px)}.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.page{padding:32px 0 70px}.back{margin-bottom:24px}.hero h1{font-size:clamp(35px,5vw,55px);line-height:1.02;letter-spacing:-2.6px;margin:10px 0 12px}.hero p{color:var(--muted);font-size:17px;max-width:900px}.badge{display:inline-flex;background:var(--soft);color:var(--blue);padding:7px 12px;border-radius:99px;font-size:13px;font-weight:850}
.tabs{display:flex;gap:8px;overflow:auto;margin:28px 0 20px;padding-bottom:2px}.tab{white-space:nowrap;background:#fff;border:1px solid var(--line);border-radius:11px;padding:10px 14px;font-weight:800;color:#526071;cursor:pointer}.tab.active{background:var(--blue);border-color:var(--blue);color:#fff}
.layout{display:grid;grid-template-columns:1fr .72fr;gap:20px;align-items:start}.panel{background:#fff;border:1px solid var(--line);border-radius:20px;padding:23px;box-shadow:0 7px 25px rgba(20,32,51,.04)}.panel h2{font-size:20px;margin:0 0 17px}.panel h3{font-size:16px;margin:25px 0 12px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field label{display:block;font-size:13px;font-weight:800;margin-bottom:6px}.field input,.field select{width:100%;padding:11px 12px;border:1px solid #d9deea;border-radius:10px;background:#fff;outline:none}.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px #eef2ff}.section-label{font-size:12px;text-transform:uppercase;letter-spacing:.7px;color:var(--muted);font-weight:900;margin:23px 0 11px}.check{display:flex;gap:9px;align-items:center;font-size:13px;color:#475467;margin-top:12px}.check input{accent-color:var(--blue)}
.result-card{background:#142033;color:#fff;border-radius:20px;padding:25px;position:sticky;top:94px}.result-card .label{color:#bdc6d5;font-size:13px}.total{font-size:44px;font-weight:950;letter-spacing:-2.4px;margin:4px 0 2px}.sub{color:#bdc6d5;font-size:13px}.highlight{margin-top:18px;background:#26334a;border-radius:13px;padding:14px}.highlight strong{display:block;font-size:18px;margin-top:2px}.result-list{margin-top:20px;display:grid;gap:10px}.result-row{display:flex;justify-content:space-between;border-bottom:1px solid #344054;padding-bottom:9px;font-size:14px}.result-row:last-child{border-bottom:0}.result-row b{color:#fff}
.notice{padding:13px 15px;background:#f1f7f5;border:1px solid #d7eee6;color:#17674e;border-radius:12px;font-size:13px;margin-top:15px}.note{font-size:12px;color:var(--muted);line-height:1.55}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:13px;margin-top:18px}.mini-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px}.mini-card small{color:var(--muted);display:block;margin-bottom:6px}.mini-card strong{font-size:21px}
.chart{margin-top:20px}.barrow{display:grid;grid-template-columns:125px 1fr 82px;align-items:center;gap:9px;font-size:12px;margin:12px 0}.track{height:10px;background:#edf0f5;border-radius:99px;overflow:hidden}.fill{height:100%;background:var(--blue);border-radius:99px}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px}.compare .panel{box-shadow:none}.winner{border:2px solid #cbd5ff}.scenario-table{width:100%;border-collapse:collapse;font-size:13px}.scenario-table th,.scenario-table td{padding:10px;border-bottom:1px solid var(--line);text-align:right}.scenario-table th:first-child,.scenario-table td:first-child{text-align:left}
.hide{display:none}.section-sep{height:1px;background:var(--line);margin:25px 0}
.seo-info{padding:0 0 40px}.seo-info .panel{line-height:1.65}.seo-info h2{font-size:25px;margin:28px 0 10px}.seo-info h2:first-child{margin-top:0}.seo-info h3{font-size:18px;margin:22px 0 7px}.seo-info p{color:#465365;margin:9px 0}.seo-info ul{color:#465365;padding-left:22px}.seo-info li{margin:5px 0}
footer{background:#fff;border-top:1px solid var(--line);padding:30px 0;color:var(--muted);font-size:13px}
@media(max-width:900px){.layout{grid-template-columns:1fr}.result-card{position:static}.navlinks{display:none}.cards{grid-template-columns:1fr 1fr}.compare{grid-template-columns:1fr}}
@media(max-width:560px){.fields,.cards{grid-template-columns:1fr}.page{padding-top:23px}.total{font-size:37px}.barrow{grid-template-columns:92px 1fr 67px}.tabs{margin-top:22px}}

/* ---- Sitio: cabecera, menú y pie ---- */
a{color:inherit;text-decoration:none}
.logo b{color:var(--blue)}
.navlinks a{padding:6px 2px}
.navlinks a.on{color:var(--blue);font-weight:800}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 11px;font-weight:800;cursor:pointer}
@media(max-width:900px){.menu-btn{display:inline-flex}.navlinks.open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:6px 4%}.navlinks.open a{padding:13px 0;border-bottom:1px solid var(--line)}.nav .btn.primary{display:none}}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:38px 0 26px;color:var(--muted);font-size:14px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:26px}
.foot-grid h4{color:var(--ink);font-size:14px;margin:0 0 10px}
.foot-grid a{display:block;margin:7px 0}
.foot-grid a:hover{color:var(--blue)}
.foot-legal{border-top:1px solid var(--line);margin-top:26px;padding-top:18px;font-size:12.5px;line-height:1.6}
@media(max-width:800px){.foot-grid{grid-template-columns:1fr 1fr}}

/* ---- Portada y listados ---- */
.hub-hero{padding:46px 0 10px}
.hub-hero h1{font-size:clamp(34px,5vw,54px);line-height:1.04;letter-spacing:-2.2px;margin:12px 0}
.hub-hero p{color:var(--muted);font-size:18px;max-width:760px;line-height:1.55}
.section-title{display:flex;justify-content:space-between;align-items:end;margin:42px 0 16px;gap:12px}
.section-title h2{font-size:26px;margin:0;letter-spacing:-.6px}
.section-title a{color:var(--blue);font-weight:800;font-size:14px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){.grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.grid{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;display:flex;flex-direction:column;gap:8px;transition:.15s}
.card:hover{border-color:#c9d4ff;box-shadow:var(--shadow);transform:translateY(-2px)}
.card .kicker{font-size:12px;font-weight:900;color:var(--blue);text-transform:uppercase;letter-spacing:.6px}
.card h3{margin:0;font-size:18px;line-height:1.3}
.card p{margin:0;color:var(--muted);font-size:14.5px;line-height:1.5}
.card .meta{margin-top:auto;font-size:12.5px;color:var(--muted)}
.empty{background:#fff;border:1px dashed var(--line);border-radius:16px;padding:22px;color:var(--muted)}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:16px}
@media(max-width:800px){.trust{grid-template-columns:1fr}}
.trust div{background:var(--soft);border-radius:16px;padding:18px;font-size:14.5px;line-height:1.5;color:#3b4760}
.trust strong{display:block;color:var(--ink);margin-bottom:4px}

/* ---- Artículos y páginas de texto ---- */
.crumbs{font-size:13px;color:var(--muted);margin:26px 0 8px}
.crumbs a:hover{color:var(--blue)}
.prose{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(20px,4vw,44px);max-width:820px;margin:0 auto;line-height:1.72;font-size:17px;color:#2b3648}
.prose h1{font-size:clamp(30px,4.4vw,44px);line-height:1.1;letter-spacing:-1.4px;margin:6px 0 12px;color:var(--ink)}
.prose h2{font-size:25px;letter-spacing:-.5px;margin:34px 0 10px;color:var(--ink);line-height:1.25}
.prose h3{font-size:19px;margin:24px 0 8px;color:var(--ink)}
.prose p{margin:12px 0}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:6px 0}
.prose a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.prose table{width:100%;border-collapse:collapse;font-size:15px;margin:18px 0;display:block;overflow-x:auto}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
.prose th{background:#f7f9fd;font-size:13.5px}
.prose blockquote{margin:18px 0;padding:12px 18px;border-left:4px solid var(--blue);background:#f7f9ff;border-radius:0 12px 12px 0}
.byline{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13.5px;color:var(--muted);margin-bottom:18px}
.lead{font-size:19px;color:#3b4760}
.box{background:#f1f7f5;border:1px solid #d7eee6;color:#17674e;border-radius:14px;padding:14px 16px;font-size:14.5px;line-height:1.55;margin:22px 0}
.box.warn{background:#fff8ec;border-color:#f6e2bd;color:#7a5410}
.toc{background:#f7f9fd;border:1px solid var(--line);border-radius:14px;padding:12px 18px;font-size:15px;margin:18px 0}
.toc strong{display:block;margin-bottom:4px}
.related{max-width:820px;margin:26px auto 0}
.cta-calc{display:flex;gap:14px;align-items:center;justify-content:space-between;background:var(--ink);color:#fff;border-radius:16px;padding:18px 20px;margin:24px 0}
.cta-calc p{margin:0;color:#dfe5ef;font-size:15px}
.cta-calc a.btn{color:#fff;text-decoration:none;white-space:nowrap}
@media(max-width:600px){.cta-calc{flex-direction:column;align-items:flex-start}}