/* ============================================================
   FINANZAS INDEPENDIENTES — DARK PREMIUM DESIGN v2
   Tema: Oscuro con acentos dorados (Amber)
   ============================================================ */

/* ── RESET & BASE ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg:          #070B14;
  --bg-surface:  #0E1423;
  --bg-card:     #131C2E;
  --bg-card-hover: #1A2438;
  --bg-alt:      #0A0F1C;
  --bg-input:    #0E1423;
  --gold:        #F0B429;
  --gold-dark:   #C9920A;
  --gold-light:  #FCD34D;
  --gold-glow:   rgba(240, 180, 41, 0.15);
  --gold-subtle: rgba(240, 180, 41, 0.08);
  --text:        #F1F5F9;
  --text-muted:  #94A3B8;
  --text-faint:  #4B5563;
  --border:      rgba(255, 255, 255, 0.07);
  --border-gold: rgba(240, 180, 41, 0.3);
  --green:       #10B981;
  --red:         #EF4444;
  --blue:        #3B82F6;
  --shadow-sm:   0 1px 3px rgba(0,0,0,0.4);
  --shadow-md:   0 4px 16px rgba(0,0,0,0.5);
  --shadow-lg:   0 8px 32px rgba(0,0,0,0.6);
  --shadow-gold: 0 4px 20px rgba(240,180,41,0.2);
  --r-sm:  6px;
  --r-md:  12px;
  --r-lg:  18px;
  --r-xl:  24px;
  --t: 0.2s ease;
}

html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--gold); text-decoration: none; transition: color var(--t); }
a:hover { color: var(--gold-light); }
img { max-width: 100%; display: block; }

::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--bg-card-hover); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--gold-dark); }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ── TOPBAR ───────────────────────────────────────────────── */
.topbar {
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
  padding: 8px 0;
  font-size: 0.78rem;
  color: var(--text-muted);
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.topbar a { color: var(--text-muted); }
.topbar a:hover { color: var(--gold); }

/* ── HEADER ───────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(7, 11, 20, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 0 24px;
  max-width: 1200px;
  margin: 0 auto;
  height: 64px;
}
.site-logo { display: flex; align-items: center; gap: 10px; color: var(--text); text-decoration: none; flex-shrink: 0; }
.logo-icon {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  box-shadow: var(--shadow-gold);
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-text > *:first-child { font-weight: 700; font-size: 0.95rem; color: var(--text); }
.logo-text span { font-size: 0.7rem; color: var(--text-muted); font-weight: 400; }

.nav-menu { display: flex; align-items: center; gap: 4px; }
.nav-menu a {
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: var(--r-sm);
  transition: all var(--t);
  white-space: nowrap;
  text-decoration: none;
}
.nav-menu a:hover, .nav-menu a.active { color: var(--text); background: var(--bg-card); }
.btn-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark)) !important;
  color: #0A0610 !important;
  font-weight: 700 !important;
  padding: 8px 16px !important;
  border-radius: var(--r-sm) !important;
  box-shadow: var(--shadow-gold);
}
.btn-cta:hover {
  background: linear-gradient(135deg, var(--gold-light), var(--gold)) !important;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(240,180,41,0.35) !important;
  color: #0A0610 !important;
}

.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text-muted); border-radius: 2px; transition: all var(--t); }
.mobile-menu { display: none; flex-direction: column; background: var(--bg-surface); border-top: 1px solid var(--border); padding: 12px 0; }
.mobile-menu.open { display: flex; }
.mobile-menu a { padding: 12px 24px; color: var(--text-muted); font-weight: 500; font-size: 0.9rem; border-bottom: 1px solid var(--border); text-decoration: none; transition: all var(--t); }
.mobile-menu a:hover { color: var(--gold); background: var(--bg-card); }

/* ── BREADCRUMB ───────────────────────────────────────────── */
.breadcrumb { display: flex; align-items: center; gap: 6px; flex-wrap: wrap; font-size: 0.8rem; color: var(--text-faint); }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span:last-child { color: var(--text-muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 280px; }

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
  position: relative;
  padding: 80px 24px 88px;
  overflow: hidden;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border);
}
.hero::before {
  content: '';
  position: absolute;
  top: -120px; left: -120px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(240,180,41,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(59,130,246,0.05) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content { max-width: 700px; margin: 0 auto; text-align: center; position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--gold-subtle); border: 1px solid var(--border-gold);
  color: var(--gold); font-size: 0.78rem; font-weight: 600;
  padding: 6px 14px; border-radius: 100px; margin-bottom: 24px;
  letter-spacing: 0.03em; text-transform: uppercase;
}
.hero h1 {
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 800; line-height: 1.2; color: var(--text);
  margin-bottom: 20px; letter-spacing: -0.02em;
}
.hero p { font-size: 1.1rem; color: var(--text-muted); margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }
.hero-cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; }
.stat { display: flex; flex-direction: column; align-items: center; gap: 4px; }
.stat strong { font-size: 1.8rem; font-weight: 800; color: var(--gold); line-height: 1; display: block; }
.stat span { font-size: 0.78rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; font-weight: 500; }

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610; font-weight: 700; font-size: 0.9rem;
  padding: 12px 24px; border-radius: var(--r-md); border: none;
  cursor: pointer; text-decoration: none; transition: all var(--t);
  box-shadow: var(--shadow-gold); white-space: nowrap;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(240,180,41,0.4); color: #0A0610; }
.btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--text-muted);
  font-weight: 600; font-size: 0.9rem;
  padding: 12px 24px; border-radius: var(--r-md);
  border: 1px solid var(--border); cursor: pointer;
  text-decoration: none; transition: all var(--t); white-space: nowrap;
}
.btn-secondary:hover { border-color: var(--border-gold); color: var(--gold); background: var(--gold-subtle); }

/* ── SECTION HEADERS ──────────────────────────────────────── */
.section-header {
  display: flex; align-items: baseline; justify-content: space-between;
  margin-bottom: 24px; padding-bottom: 16px; border-bottom: 1px solid var(--border);
}
.section-header h2 { font-size: 1.3rem; font-weight: 700; color: var(--text); letter-spacing: -0.01em; }
.section-header a { font-size: 0.82rem; color: var(--gold); font-weight: 600; }

/* ── ARTICLE GRID ─────────────────────────────────────────── */
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.article-card {
  background: var(--bg-card); border: 1px solid var(--border);
  border-radius: var(--r-lg); overflow: hidden; transition: all var(--t);
  display: flex; flex-direction: column;
}
.article-card:hover {
  background: var(--bg-card-hover); border-color: var(--border-gold);
  transform: translateY(-3px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4), 0 0 0 1px var(--border-gold);
}
.card-content { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.card-content h3 { font-size: 1rem; font-weight: 700; line-height: 1.4; margin: 10px 0 10px; color: var(--text); }
.card-content h3 a { color: var(--text); text-decoration: none; }
.card-content h3 a:hover { color: var(--gold); }
.card-content p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.6; flex: 1; margin-bottom: 16px; }
.article-meta { display: flex; gap: 12px; align-items: center; font-size: 0.75rem; color: var(--text-faint); margin-top: auto; }

/* ── TAGS ─────────────────────────────────────────────────── */
.article-tag {
  display: inline-block;
  background: var(--gold-subtle); color: var(--gold);
  font-size: 0.7rem; font-weight: 700;
  padding: 3px 10px; border-radius: 100px;
  border: 1px solid var(--border-gold);
  letter-spacing: 0.04em; text-transform: uppercase; white-space: nowrap;
}

/* ── FEATURED ─────────────────────────────────────────────── */
.featured-article {
  background: linear-gradient(135deg, var(--bg-card) 0%, #1A2438 100%);
  border: 1px solid var(--border-gold); border-radius: var(--r-xl);
  padding: 40px; box-shadow: var(--shadow-gold);
}
.featured-content h3 { font-size: 1.5rem; font-weight: 800; line-height: 1.3; margin: 12px 0 14px; letter-spacing: -0.02em; }
.featured-content h3 a { color: var(--text); }
.featured-content h3 a:hover { color: var(--gold); }
.featured-content p { color: var(--text-muted); font-size: 1rem; line-height: 1.7; max-width: 600px; }

/* ── CATEGORIES ───────────────────────────────────────────── */
.categories-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.category-card {
  background: var(--bg-card); border: 1px solid var(--border);
  border-radius: var(--r-lg); padding: 28px 24px;
  text-align: center; transition: all var(--t); text-decoration: none; display: block;
}
.category-card:hover {
  background: var(--bg-card-hover); border-color: var(--border-gold);
  transform: translateY(-3px); box-shadow: var(--shadow-gold);
}
.cat-icon { font-size: 2rem; margin-bottom: 12px; }
.category-card h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.category-card p { font-size: 0.8rem; color: var(--text-muted); line-height: 1.5; }

/* ── CONTENT LAYOUT ───────────────────────────────────────── */
.content-layout { display: grid; grid-template-columns: 1fr 320px; gap: 40px; align-items: start; }

/* ── SIDEBAR ──────────────────────────────────────────────── */
.sidebar { position: sticky; top: 80px; display: flex; flex-direction: column; gap: 20px; }
.sidebar-widget { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px; }
.widget-title {
  font-size: 0.78rem; font-weight: 700; color: var(--text-muted);
  margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid var(--border);
  text-transform: uppercase; letter-spacing: 0.06em;
}
.popular-list { list-style: none; display: flex; flex-direction: column; gap: 2px; }
.popular-list li a { display: block; padding: 8px 0; font-size: 0.82rem; color: var(--text-muted); border-bottom: 1px solid var(--border); transition: color var(--t); }
.popular-list li:last-child a { border-bottom: none; }
.popular-list li a:hover { color: var(--gold); }

.calc-mini { display: flex; flex-direction: column; gap: 10px; }
.calc-group { display: flex; flex-direction: column; gap: 4px; }
.calc-group label { font-size: 0.75rem; color: var(--text-muted); font-weight: 500; }
.calc-group input {
  background: var(--bg-input); border: 1px solid var(--border);
  border-radius: var(--r-sm); padding: 8px 10px;
  font-size: 0.85rem; color: var(--text); width: 100%; transition: border-color var(--t);
}
.calc-group input:focus { outline: none; border-color: var(--gold); }
.btn-calc {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610; font-weight: 700; font-size: 0.85rem;
  border: none; border-radius: var(--r-sm); padding: 10px;
  cursor: pointer; transition: all var(--t); width: 100%;
}
.btn-calc:hover { opacity: 0.9; transform: translateY(-1px); }
.calc-result { font-size: 0.85rem; color: var(--gold); font-weight: 600; min-height: 20px; text-align: center; }

/* ── ARTICLE HEADER ───────────────────────────────────────── */
.article-header { margin-bottom: 32px; padding-bottom: 28px; border-bottom: 1px solid var(--border); }
.article-header h1 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800; line-height: 1.25; margin: 14px 0 0;
  color: var(--text); letter-spacing: -0.02em;
}
.author-box { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.author-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610; font-weight: 800; font-size: 0.8rem;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.author-info { display: flex; flex-direction: column; gap: 2px; }
.author-info strong { font-size: 0.85rem; color: var(--text); }
.author-info span { font-size: 0.75rem; color: var(--text-muted); }

/* ── ARTICLE CONTENT ──────────────────────────────────────── */
.article-content { color: var(--text); line-height: 1.8; }
.article-content h2 {
  font-size: 1.4rem; font-weight: 800; color: var(--text);
  margin: 40px 0 16px; padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  display: inline-block; letter-spacing: -0.01em;
}
.article-content h3 { font-size: 1.1rem; font-weight: 700; color: var(--gold-light); margin: 28px 0 12px; }
.article-content p { margin-bottom: 18px; color: var(--text-muted); font-size: 0.97rem; }
.article-content strong { color: var(--text); font-weight: 700; }
.article-content a { color: var(--gold); border-bottom: 1px solid var(--border-gold); }
.article-content a:hover { color: var(--gold-light); border-bottom-color: var(--gold); }

/* Lists — FIX números superpuestos */
.article-content ul,
.article-content ol {
  margin: 0 0 20px 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.article-content ul li {
  position: relative;
  padding: 10px 14px 10px 38px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.6;
  min-height: 0;
}
.article-content ul li::before {
  content: '✓';
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold);
  font-weight: 700;
  font-size: 0.8rem;
  width: 16px;
  height: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: none;
  border-radius: 0;
  line-height: 1;
}
.article-content ol {
  counter-reset: ol-counter;
}
.article-content ol li {
  position: relative;
  padding: 12px 14px 12px 50px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.6;
  counter-increment: ol-counter;
  min-height: 0;
}
.article-content ol li::before {
  content: counter(ol-counter);
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 26px;
  height: 26px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610;
  font-weight: 800;
  font-size: 0.72rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
  flex-shrink: 0;
}

/* Tables */
.article-content table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 0.87rem; border-radius: var(--r-md); overflow: hidden; border: 1px solid var(--border); }
.article-content thead tr { background: var(--gold-subtle); }
.article-content thead th { padding: 12px 16px; text-align: left; font-weight: 700; color: var(--gold); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; border-bottom: 1px solid var(--border-gold); white-space: nowrap; }
.article-content tbody tr { border-bottom: 1px solid var(--border); transition: background var(--t); }
.article-content tbody tr:last-child { border-bottom: none; }
.article-content tbody tr:hover { background: var(--bg-card-hover); }
.article-content tbody td { padding: 12px 16px; color: var(--text-muted); vertical-align: top; line-height: 1.5; }
.article-content tbody td:first-child { color: var(--text); font-weight: 600; }

/* Info boxes */
.info-box {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 16px 20px; border-radius: var(--r-md); margin: 24px 0; border: 1px solid;
  font-size: 0.88rem; line-height: 1.6;
}
.info-box.tip { background: rgba(16,185,129,0.07); border-color: rgba(16,185,129,0.25); }
.info-box.tip .ib-icon { color: #10B981; }
.info-box.warning { background: rgba(245,158,11,0.07); border-color: rgba(245,158,11,0.25); }
.info-box.warning .ib-icon { color: var(--gold); }
.info-box:not(.tip):not(.warning) { background: var(--gold-subtle); border-color: var(--border-gold); }
.info-box:not(.tip):not(.warning) .ib-icon { color: var(--gold); }
.ib-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.info-box p { margin: 0; color: var(--text-muted); }

/* ── TOC — FIX números superpuestos ──────────────────────── */
.toc {
  background: var(--bg-card);
  border: 1px solid var(--border-gold);
  border-left: 3px solid var(--gold);
  border-radius: var(--r-md);
  padding: 20px 24px; margin: 0 0 32px;
}
.toc h4 { font-size: 0.78rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 14px; }
.toc ol {
  list-style: none;
  padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 0;
  counter-reset: toc-counter;
}
.toc ol li {
  background: none !important;
  border: none !important;
  border-radius: 0 !important;
  padding: 5px 0 5px 26px !important;
  position: relative;
  counter-increment: toc-counter;
  min-height: 0 !important;
}
.toc ol li::before {
  content: counter(toc-counter) ".";
  position: absolute;
  left: 0;
  top: 6px;
  color: var(--gold);
  font-weight: 700;
  font-size: 0.78rem;
  width: auto;
  height: auto;
  background: none !important;
  border-radius: 0 !important;
  transform: none !important;
  display: inline;
  line-height: 1;
  min-width: 20px;
}
.toc ol li a { color: var(--text-muted); font-size: 0.85rem; border-bottom: none; transition: color var(--t); }
.toc ol li a:hover { color: var(--gold); }

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-section { margin: 40px 0 0; }
.faq-section > h2 { font-size: 1.3rem; font-weight: 800; margin-bottom: 20px; padding-bottom: 12px; border-bottom: 2px solid var(--gold); display: inline-block; }
.faq-item { border: 1px solid var(--border); border-radius: var(--r-md); margin-bottom: 10px; overflow: hidden; transition: border-color var(--t); }
.faq-item:hover { border-color: var(--border-gold); }
.faq-question {
  width: 100%; text-align: left; background: var(--bg-card); border: none;
  padding: 16px 20px; font-size: 0.9rem; font-weight: 700; color: var(--text);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  gap: 12px; transition: all var(--t);
}
.faq-question::after { content: '+'; font-size: 1.3rem; color: var(--gold); font-weight: 400; flex-shrink: 0; transition: transform var(--t); }
.faq-question.open::after { transform: rotate(45deg); }
.faq-question:hover { background: var(--bg-card-hover); color: var(--gold); }
.faq-answer { display: none; padding: 16px 20px; font-size: 0.88rem; color: var(--text-muted); background: var(--bg-surface); line-height: 1.7; border-top: 1px solid var(--border); }
.faq-answer.open { display: block; }
.faq-answer p { margin: 0; color: var(--text-muted); }

/* ── CALC EMBED ───────────────────────────────────────────── */
.calc-embed {
  background: var(--bg-card); border: 1px solid var(--border-gold);
  border-radius: var(--r-xl); padding: 32px; margin: 28px 0; box-shadow: var(--shadow-gold);
}
.calc-embed h3 { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.calc-embed > p { color: var(--text-muted); font-size: 0.88rem; margin-bottom: 20px; }
.calc-fields { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 20px; }
.calc-fields .calc-group label { font-size: 0.78rem; color: var(--text-muted); margin-bottom: 5px; display: block; font-weight: 500; }
.calc-fields .calc-group input { background: var(--bg-input); border: 1px solid var(--border); border-radius: var(--r-sm); padding: 10px 12px; font-size: 0.9rem; color: var(--text); width: 100%; }
.calc-fields .calc-group input:focus { outline: none; border-color: var(--gold); }
.calc-embed .btn-calc { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: #0A0610; font-weight: 700; font-size: 0.9rem; border: none; border-radius: var(--r-md); padding: 12px 28px; cursor: pointer; transition: all var(--t); box-shadow: var(--shadow-gold); }
.calc-embed .btn-calc:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(240,180,41,0.4); }
.calc-result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 20px; }
.result-item { background: var(--bg-surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 16px; text-align: center; }
.result-item .label { font-size: 0.72rem; color: var(--text-faint); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 6px; }
.result-item .value { font-size: 1.2rem; font-weight: 800; color: var(--gold); }

/* ── AD BANNER ────────────────────────────────────────────── */
.ad-banner { background: var(--bg-surface); border: 1px dashed var(--border); border-radius: var(--r-md); padding: 20px; text-align: center; }
.ad-banner span { display: block; font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 4px; color: var(--text-faint); }
.ad-banner p { margin: 0; color: var(--text-faint); font-size: 0.75rem; }

/* ── CATEGORY HERO ────────────────────────────────────────── */
.cat-hero { background: var(--bg-surface) !important; border-bottom: 1px solid var(--border); padding: 48px 0 !important; }
.cat-hero h1 { color: var(--text) !important; font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; }
.cat-hero p { color: var(--text-muted) !important; font-size: 1rem !important; }

/* ── FOOTER ───────────────────────────────────────────────── */
.site-footer { background: var(--bg-surface); border-top: 1px solid var(--border); padding: 56px 0 0; margin-top: 80px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer-logo { font-weight: 800; font-size: 1rem; color: var(--gold); margin-bottom: 12px; }
.footer-desc { font-size: 0.82rem; color: var(--text-faint); line-height: 1.6; max-width: 240px; }
.footer-col h4 { font-size: 0.75rem; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 16px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { font-size: 0.82rem; color: var(--text-faint); transition: color var(--t); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid var(--border); padding: 20px 0; text-align: center; font-size: 0.75rem; color: var(--text-faint); }

/* ── COOKIE BANNER ────────────────────────────────────────── */
.cookie-banner {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%);
  z-index: 1000; width: calc(100% - 48px); max-width: 680px;
  background: var(--bg-card); border: 1px solid var(--border-gold);
  border-radius: var(--r-xl); box-shadow: var(--shadow-lg), var(--shadow-gold);
  display: none; overflow: hidden;
}
.cookie-banner.visible { display: block; }
.cookie-content { display: flex; align-items: center; gap: 20px; padding: 20px 24px; flex-wrap: wrap; }
.cookie-content p { font-size: 0.82rem; color: var(--text-muted); margin: 0; flex: 1; min-width: 200px; }
.cookie-content p a { color: var(--gold); }
.cookie-buttons { display: flex; gap: 8px; flex-shrink: 0; flex-wrap: wrap; }
.btn-accept { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: #0A0610; font-weight: 700; font-size: 0.8rem; padding: 8px 18px; border: none; border-radius: var(--r-sm); cursor: pointer; white-space: nowrap; transition: all var(--t); }
.btn-accept:hover { opacity: 0.9; }
.btn-reject { background: transparent; color: var(--text-muted); font-weight: 600; font-size: 0.8rem; padding: 8px 18px; border: 1px solid var(--border); border-radius: var(--r-sm); cursor: pointer; white-space: nowrap; transition: all var(--t); }
.btn-reject:hover { border-color: var(--border-gold); color: var(--gold); }

/* ── SCROLL TOP ───────────────────────────────────────────── */
.scroll-top {
  position: fixed; bottom: 32px; right: 32px;
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610; border: none; border-radius: 50%;
  font-size: 1.1rem; font-weight: 700; cursor: pointer;
  display: none; align-items: center; justify-content: center;
  z-index: 99; box-shadow: var(--shadow-gold); transition: all var(--t);
}
.scroll-top.visible { display: flex; }
.scroll-top:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(240,180,41,0.4); }

/* ── LEGAL PAGES ──────────────────────────────────────────── */
.legal-content { max-width: 800px; margin: 0 auto; padding: 48px 0 80px; }
.legal-content h1 { font-size: 2rem; font-weight: 800; margin-bottom: 8px; letter-spacing: -0.02em; }
.legal-content .updated { font-size: 0.8rem; color: var(--text-faint); margin-bottom: 40px; display: block; }
.legal-content h2 { font-size: 1.1rem; font-weight: 700; color: var(--gold); margin: 36px 0 12px; padding-bottom: 8px; border-bottom: 1px solid var(--border); }
.legal-content p { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 14px; line-height: 1.8; }
.legal-content ul { margin-bottom: 14px; padding-left: 0; list-style: none; }
.legal-content ul li { padding: 6px 0 6px 20px; position: relative; color: var(--text-muted); font-size: 0.9rem; background: none; border: none; }
.legal-content ul li::before { content: '–'; position: absolute; left: 0; color: var(--gold); background: none; }

/* ── CONTACT FORM ─────────────────────────────────────────── */
.contact-form { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--r-xl); padding: 36px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }
.form-group label { font-size: 0.82rem; color: var(--text-muted); font-weight: 600; }
.form-group input, .form-group textarea { background: var(--bg-input); border: 1px solid var(--border); border-radius: var(--r-sm); padding: 12px 14px; font-size: 0.9rem; color: var(--text); font-family: inherit; transition: border-color var(--t); width: 100%; }
.form-group input:focus, .form-group textarea:focus { outline: none; border-color: var(--gold); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group.checkbox { flex-direction: row; align-items: flex-start; gap: 10px; }
.form-group.checkbox input { width: auto; margin-top: 3px; accent-color: var(--gold); flex-shrink: 0; }
.form-group.checkbox label { font-size: 0.8rem; line-height: 1.5; }

/* ── BLOCKQUOTE ───────────────────────────────────────────── */
.article-content blockquote { border-left: 3px solid var(--gold); padding: 16px 20px; margin: 24px 0; background: var(--bg-card); border-radius: 0 var(--r-md) var(--r-md) 0; font-style: italic; color: var(--text-muted); }

/* ── PROMISE GRID (sobre nosotros) ───────────────────────── */
.promise-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin: 32px 0; }
.promise-item { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px; text-align: center; }
.promise-item .icon { font-size: 2rem; margin-bottom: 12px; }
.promise-item h3 { font-size: 0.9rem; font-weight: 700; margin-bottom: 6px; }
.promise-item p { font-size: 0.78rem; color: var(--text-muted); margin: 0; line-height: 1.5; }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media (max-width: 1024px) {
  .articles-grid { grid-template-columns: repeat(2, 1fr); }
  .categories-grid { grid-template-columns: repeat(3, 1fr); }
  .content-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .articles-grid { grid-template-columns: 1fr; }
  .categories-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-fields { grid-template-columns: 1fr; }
  .hero { padding: 56px 24px 64px; }
  .hero-stats { gap: 24px; }
  .stat strong { font-size: 1.5rem !important; }
  .featured-article { padding: 24px; }
  .featured-content h3 { font-size: 1.2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .calc-result-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .categories-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 1.7rem; }
  .header-inner { padding: 0 16px; }
  .cookie-content { flex-direction: column; align-items: flex-start; }
  .hero-cta { flex-direction: column; align-items: center; }
  .section-header { flex-direction: column; align-items: flex-start; gap: 8px; }
  .topbar .container { flex-direction: column; gap: 4px; text-align: center; }
  .breadcrumb span:last-child { max-width: 160px; }
}

/* ── CALC-BTN (alias de btn-calc usado en HTML) ───────────── */
.calc-btn {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #0A0610;
  font-weight: 700;
  font-size: 0.9rem;
  border: none;
  border-radius: var(--r-md);
  padding: 12px 28px;
  cursor: pointer;
  transition: all var(--t);
  box-shadow: var(--shadow-gold);
  display: inline-block;
  margin-top: 4px;
}
.calc-btn:hover { transform: translateY(-2px); box-shadow: 0 6px 24px rgba(240,180,41,0.4); }

/* ── RESULT GRID (estructura de resultados en calculadoras) ── */
.calc-result { margin-top: 20px; }
.result-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.result-item {
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 18px 14px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.result-item strong {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
  line-height: 1.2;
}
.result-item small {
  font-size: 0.72rem;
  color: var(--text-faint);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.result-item-cuota strong { color: var(--gold); }
.result-item-total strong { color: var(--text-muted); }
.result-item-int strong   { color: var(--red); }

@media (max-width: 600px) {
  .result-grid { grid-template-columns: 1fr; }
}

/* ── SECTION TITLE (usado en calculadora.html) ────────────── */
.section-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--text);
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
  letter-spacing: -0.01em;
}