:root{
  --paper:#f5f1e8; --paper-2:#ede7d9; --ink:#0a2a43; --ink-2:#34495b; --forest:#1f5c4d;
  --gold:#b8892d; --gold-soft:#e9d9b0; --line:rgba(10,42,67,.14); --warn:#a4452c; --ok:#1f5c4d;
  --serif:'Newsreader',Georgia,serif; --sans:'Figtree',system-ui,sans-serif;
  --r:14px; --wrap:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(var(--wrap),100% - 40px);margin-inline:auto}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.1;letter-spacing:-.01em}
h1{font-size:clamp(2.3rem,5.4vw,4.1rem)}
h1 em{color:var(--forest);font-style:italic}
h2{font-size:clamp(1.8rem,3.6vw,2.8rem)}
h3{font-size:1.4rem}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.lead{font-size:1.15rem;color:var(--ink-2);max-width:56ch;margin-top:18px}
.fine{font-size:.82rem;color:var(--ink-2);opacity:.85;margin-top:14px}

/* buttons */
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;font-weight:600;padding:15px 26px;border-radius:999px;border:1.5px solid var(--ink);cursor:pointer;font:600 1rem var(--sans);transition:transform .2s,background .2s}
.btn:hover{background:var(--forest);border-color:var(--forest);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--ink)}
.btn-ghost:hover{color:#fff}
.btn-sm{padding:10px 20px;font-size:.92rem}
.btn-wa{background:var(--gold);border-color:var(--gold);color:#1b1405;margin-top:26px}
.btn-wa:hover{background:#cf9c36;border-color:#cf9c36}
.link{background:none;border:0;color:var(--forest);text-decoration:underline;cursor:pointer;font:inherit;font-size:.82rem;margin-left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(245,241,232,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-family:var(--serif);font-size:1.1rem}
.brand img{border-radius:50%}
.brand b{font-weight:600;letter-spacing:.04em}
.menu{display:flex;align-items:center;gap:26px}
.menu a:not(.btn){text-decoration:none;font-size:.95rem;color:var(--ink-2)}
.menu a:not(.btn):hover{color:var(--forest)}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.burger span{position:absolute;left:10px;right:10px;height:2px;background:var(--ink);transition:.25s}
.burger span:first-child{top:16px}.burger span:last-child{top:26px}
.burger[aria-expanded=true] span:first-child{top:21px;transform:rotate(45deg)}
.burger[aria-expanded=true] span:last-child{top:21px;transform:rotate(-45deg)}

/* hero */
.hero{padding:72px 0 0;background:
  radial-gradient(1100px 500px at 90% -10%,rgba(184,137,45,.16),transparent 60%),var(--paper)}
.hero-in{display:grid;grid-template-columns:1.25fr .85fr;gap:56px;align-items:center}
.hero-copy .lead{margin-top:24px}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.audit{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 30px 60px -30px rgba(10,42,67,.35);transform:rotate(1.6deg)}
.audit-head{display:flex;justify-content:space-between;align-items:center;font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;padding-bottom:14px;border-bottom:2px solid var(--ink)}
.tag{background:var(--gold-soft);color:#6b4d0f;padding:3px 10px;border-radius:99px;font-size:.7rem}
.audit ul{list-style:none}
.audit li{display:flex;flex-direction:column;gap:2px;padding:13px 0;border-bottom:1px dashed var(--line)}
.audit li span{font-size:.78rem;color:var(--ink-2);text-transform:uppercase;letter-spacing:.08em}
.audit li b{font-family:var(--serif);font-weight:500;font-size:1.05rem}
.audit li b::before{content:"";display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:9px;background:currentColor}
.warn{color:var(--warn)}.ok{color:var(--ok)}
.audit-foot{font-size:.85rem;color:var(--ink-2);margin-top:16px;font-style:italic;font-family:var(--serif)}
.trust{display:flex;flex-wrap:wrap;gap:12px 22px;align-items:center;justify-content:center;margin-top:64px;padding:22px 0;border-top:1px solid var(--line);font-size:.88rem;color:var(--ink-2);letter-spacing:.04em}
.trust i{width:5px;height:5px;background:var(--gold);transform:rotate(45deg)}

/* sections */
.sec{padding:104px 0}
.sec-head{margin-bottom:52px;max-width:760px}
.sec-head.row{display:grid;grid-template-columns:1fr 1fr;gap:40px;max-width:none;align-items:end}
.sec-head.row .lead{margin-top:0}
.sec-dark{background:var(--ink);color:#f3efe6}
.sec-dark .lead{color:#c5d2dc}
.sec-dark h2{color:#fff}
.sec-tint{background:var(--paper-2)}

.gaps{display:grid;grid-template-columns:repeat(3,1fr);border-top:2px solid var(--ink)}
.gaps article{padding:30px 30px 8px 0;border-right:1px solid var(--line);margin-right:30px}
.gaps article:last-child{border:0;margin:0}
.num{font-family:var(--serif);font-size:3.4rem;color:var(--gold);line-height:1;display:block;margin-bottom:12px}
.gaps p{color:var(--ink-2);margin-top:10px}
.gap-note{margin-top:44px;font-family:var(--serif);font-size:1.25rem;max-width:62ch}
.gap-note a{color:var(--forest)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
.steps{list-style:none;counter-reset:s}
.steps li{counter-increment:s;padding:22px 0 22px 64px;border-bottom:1px solid rgba(255,255,255,.14);position:relative}
.steps li:first-child{padding-top:0}
.steps li::before{content:counter(s);position:absolute;left:0;top:18px;font-family:var(--serif);font-size:2rem;color:var(--gold)}
.steps li:first-child::before{top:-4px}
.steps b{display:block;font-family:var(--serif);font-weight:500;font-size:1.25rem;color:#fff}
.steps span{color:#c5d2dc;font-size:.96rem}

.services{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:0 56px}
.services li{padding:30px 0;border-top:1px solid var(--line)}
.services h3{margin-bottom:8px}
.services p{color:var(--ink-2);max-width:44ch}
.services a{display:inline-block;margin-top:14px;font-weight:600;color:var(--forest);text-decoration:none;border-bottom:1.5px solid var(--gold)}

/* calculator */
.calc{display:grid;grid-template-columns:.9fr 1.1fr;gap:34px;align-items:start}
.calc-form,.calc-out{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px}
fieldset{border:0;margin-bottom:22px}
legend{font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
label{display:block;font-size:.92rem;font-weight:500;margin-bottom:14px;position:relative;color:var(--ink-2)}
input,select,textarea{width:100%;margin-top:6px;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:500 1rem var(--sans);color:var(--ink);background:var(--paper);transition:border .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--forest);background:#fff}
.unit{position:absolute;left:14px;bottom:12px;color:var(--ink-2);font-weight:600}
.unit + input{padding-left:30px}
.err{color:var(--warn);font-weight:600;font-size:.92rem}
.verdict-label{font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;color:var(--ink-2);font-weight:600}
.verdict-pct{font-family:var(--serif);font-size:4.6rem;line-height:1;margin:4px 0 12px;color:var(--forest)}
.verdict.low .verdict-pct{color:var(--warn)}
.verdict.mid .verdict-pct{color:var(--gold)}
.bar{height:10px;background:var(--paper-2);border-radius:99px;overflow:hidden}
.bar i{display:block;height:100%;width:0;background:currentColor;border-radius:99px;transition:width .6s cubic-bezier(.2,.8,.2,1);color:var(--forest)}
.verdict.low .bar i{color:var(--warn)}.verdict.mid .bar i{color:var(--gold)}
.verdict-msg{margin-top:14px;color:var(--ink-2)}
.figures{display:grid;grid-template-columns:1fr 1fr;gap:0 22px;margin:24px 0 8px}
.figures div{padding:14px 0;border-top:1px solid var(--line)}
.figures dt{font-size:.8rem;color:var(--ink-2);line-height:1.35}
.figures dd{font-family:var(--serif);font-size:1.6rem;margin-top:4px}
.chart{margin:18px 0 24px}
.chart svg{width:100%;height:auto;display:block}
.chart figcaption{font-size:.8rem;color:var(--ink-2);display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.k{width:14px;height:3px;border-radius:2px;display:inline-block}
.k1{background:var(--forest)}.k2{background:var(--gold);margin-left:10px}

/* news */
.news{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.news a{display:flex;flex-direction:column;gap:10px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;transition:transform .25s,box-shadow .25s}
.news a:hover{transform:translateY(-4px);box-shadow:0 18px 36px -22px rgba(10,42,67,.4)}
.news small{font-size:.76rem;color:var(--gold);font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.news h3{font-size:1.15rem;line-height:1.25}
.news time{font-size:.8rem;color:var(--ink-2);margin-top:auto}
.news-load,.news-empty{grid-column:1/-1;color:var(--ink-2)}
.news-empty a{display:inline;padding:0;border:0;color:var(--forest);text-decoration:underline}
.guides{margin-top:64px}
.guides h3{margin-bottom:14px}
.guides ul{list-style:none;border-top:2px solid var(--ink)}
.guides a{display:flex;justify-content:space-between;gap:20px;padding:18px 0;border-bottom:1px solid var(--line);text-decoration:none;font-family:var(--serif);font-size:1.15rem}
.guides i{font-family:var(--sans);font-style:normal;font-size:.85rem;font-weight:600;color:var(--forest);white-space:nowrap}
.guides a:hover span{text-decoration:underline}

/* about */
.about{display:grid;grid-template-columns:220px 1fr;gap:56px;align-items:center}
.about img{border-radius:50%;background:#fff}
.about .portrait{width:100%;max-width:320px;height:auto;aspect-ratio:1;object-fit:cover;object-position:50% 20%;border-radius:22px;border:3px solid var(--gold);box-shadow:0 30px 50px -28px rgba(0,0,0,.6)}
.about .btn-wa{margin-top:26px}
.direct{margin-top:22px;color:var(--ink-2);font-size:.95rem}
.direct a{color:var(--forest);font-weight:600}
.check a{color:var(--forest)}
.doc{max-width:760px;padding:56px 0 90px}
.doc h1{font-size:clamp(2rem,4vw,2.8rem);margin-bottom:8px}
.doc h2{font-size:1.35rem;margin:34px 0 10px}
.doc p,.doc li{color:var(--ink-2);margin-bottom:10px}
.doc ul{padding-left:22px}
.doc .back{display:inline-block;margin-bottom:26px;color:var(--forest);font-weight:600;text-decoration:none}
.about p{color:#c5d2dc;margin-top:14px;max-width:60ch}
.sig{font-family:var(--serif);font-style:italic;color:var(--gold-soft)!important;font-size:1.2rem}

/* faq */
.faq-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px}
.faq details{border-top:1px solid var(--line);padding:20px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-family:var(--serif);font-size:1.2rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:1.5rem;line-height:1;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{margin-top:12px;color:var(--ink-2);max-width:56ch}

/* contact */
.sec-contact{background:var(--paper-2)}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.85rem}
.check input{width:auto;margin-top:4px}
.lead-form .btn{width:100%}
.form-msg{margin-top:14px;font-weight:600;color:var(--forest)}
.thanks{text-align:center;padding:30px 6px}
.thanks h3{font-size:2rem;color:var(--forest);margin-bottom:12px}
.thanks p{color:var(--ink-2);margin-bottom:24px}
.btn:disabled{opacity:.6;cursor:wait;transform:none}
.form-msg.bad{color:var(--warn)}

/* footer */
.foot{background:var(--ink);color:#c5d2dc;padding:56px 0 30px}
.foot-in{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;align-items:center}
.foot-brand{display:flex;gap:16px;align-items:center;font-size:.92rem}
.foot-brand img{border-radius:50%;background:#fff}
.foot-brand b{color:#fff;font-family:var(--serif);font-size:1.15rem;font-weight:500}
.foot nav{display:flex;gap:22px;flex-wrap:wrap}
.foot nav a{text-decoration:none;font-size:.92rem}
.foot nav a:hover{color:#fff}
.legal{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);font-size:.78rem;line-height:1.55;opacity:.85}
.legal p+p{margin-top:10px}

.wa-float{position:fixed;right:20px;bottom:20px;width:58px;height:58px;border-radius:50%;background:#1f9d55;color:#fff;display:grid;place-items:center;z-index:60;box-shadow:0 12px 28px -8px rgba(0,0,0,.4);transition:transform .2s}
.wa-float:hover{transform:scale(1.08)}

/* reveal */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .js .reveal{opacity:1;transform:none;transition:none}
  .btn,.bar i,.news a{transition:none}
}

/* responsive */
@media (max-width:920px){
  .hero-in,.split,.calc,.contact,.faq-wrap,.sec-head.row{grid-template-columns:1fr;gap:36px}
  .audit{transform:none}
  .gaps{grid-template-columns:1fr}
  .gaps article{border-right:0;margin:0;border-bottom:1px solid var(--line);padding:26px 0}
  .services{grid-template-columns:1fr}
  .news{grid-template-columns:1fr 1fr}
  .about{grid-template-columns:1fr;gap:28px}
  .about .portrait{max-width:240px}
  .sec{padding:76px 0}
  .burger{display:block}
  .menu{position:absolute;top:72px;left:0;right:0;background:var(--paper);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;border-bottom:1px solid var(--line);display:none}
  .menu.open{display:flex}
  .menu a:not(.btn){padding:14px 0;border-bottom:1px solid var(--line);font-size:1.05rem}
  .menu .btn{margin-top:14px;text-align:center}
}
@media (max-width:560px){
  body{font-size:16px}
  .news,.figures{grid-template-columns:1fr}
  .hero{padding-top:44px}
  .calc-form,.calc-out,.lead-form{padding:22px}
  .verdict-pct{font-size:3.6rem}
  .brand span{font-size:.95rem}
}

/* ===== Guías ===== */
.guide-head{padding:64px 0 8px}
.guide-head .back{display:inline-block;margin-bottom:22px;color:var(--forest);font-weight:600;text-decoration:none;font-size:.95rem}
.guide-head h1{max-width:18ch}
.g-formula{background:var(--ink);color:#f3efe6;border-radius:var(--r);padding:30px;margin-top:40px;display:grid;gap:16px}
.g-formula .eyebrow{margin:0}
.g-eq{display:flex;flex-wrap:wrap;gap:12px;align-items:center;font-family:var(--serif);font-size:clamp(1.15rem,3vw,1.5rem)}
.g-chip{border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:6px 16px;font:500 .95rem var(--sans)}
.g-op{color:var(--gold);font-weight:700}
.g-formula p{color:#c5d2dc;font-size:.95rem;max-width:62ch}
.g-sec{padding:72px 0 0}
.g-sec h2{margin-bottom:8px}
.g-sub{color:var(--ink-2);margin-bottom:28px;max-width:60ch}
.g-steps{list-style:none;counter-reset:g}
.g-steps li{counter-increment:g;position:relative;padding:22px 0 22px 64px;border-top:1px solid var(--line)}
.g-steps li:last-child{border-bottom:1px solid var(--line)}
.g-steps li::before{content:counter(g);position:absolute;left:0;top:16px;font-family:var(--serif);font-size:2.2rem;line-height:1;color:var(--gold)}
.g-steps h3{font-size:1.3rem;margin-bottom:6px}
.g-steps p{color:var(--ink-2);max-width:62ch}
.g-ex{margin-top:12px;background:var(--paper-2);border-radius:10px;padding:12px 16px;font-size:.92rem;color:var(--ink)}
.g-levers{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px}
.g-tabs,.g-seg{display:flex;flex-wrap:wrap;gap:10px}
.g-tabs{margin-bottom:14px}
.g-seg{margin-bottom:20px}
.g-tabs button,.g-seg button{font:600 .92rem var(--sans);padding:10px 18px;border-radius:999px;border:1.5px solid var(--line);background:transparent;color:var(--ink);cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.g-tabs button:hover,.g-seg button:hover{border-color:var(--forest)}
.g-tabs button[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}
.g-seg button[aria-pressed=true]{border-color:var(--gold);background:var(--gold-soft);color:#4a3508}
.g-out{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.g-out div{background:var(--paper);border-radius:12px;padding:18px}
.g-out b{display:block;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2);margin-bottom:6px}
.g-out span{font-family:var(--serif);font-size:1.5rem}
.g-out em{display:block;font-style:normal;color:var(--ink-2);font-size:.9rem;margin-top:6px}
.g-out .up{color:var(--warn)}.g-out .down{color:var(--forest)}
.g-why{display:grid;gap:14px}
.g-bar{display:grid;grid-template-columns:minmax(0,220px) 1fr;gap:16px;align-items:center;font-size:.92rem;color:var(--ink-2)}
.g-bar .t{height:26px;background:var(--paper-2);border-radius:99px;position:relative;overflow:hidden}
.g-bar .t i{display:block;height:100%;background:var(--forest);border-radius:99px}
.g-bar .t i.g{background:var(--gold)}
.g-bar .v{position:absolute;top:0;line-height:26px;font-weight:700;font-size:.85rem;color:var(--ink)}
.g-note{font-size:.85rem;color:var(--ink-2);margin-top:14px}
.g-note a{color:var(--forest)}
.g-cta{margin-top:72px;padding:40px;background:var(--paper-2);border-radius:var(--r);display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:center}
.g-cta p{font-family:var(--serif);font-size:1.6rem;line-height:1.2;max-width:22ch}
.g-end{padding-bottom:90px}
@media (max-width:560px){.g-out{grid-template-columns:1fr}.g-bar{grid-template-columns:1fr;gap:6px}.g-formula,.g-levers,.g-cta{padding:22px}.g-steps li{padding-left:50px}}