:root{
  --bg:#f6f8fb;--surface:#fff;--surface2:#eef2f7;--text:#14202e;--muted:#5a6b7d;--border:#d9e1ea;
  --accent:#0f7b6c;--accent-ink:#fff;--accent-soft:#e1f4f0;--warn:#b45309;--warn-soft:#fff4e0;--bad:#b42318;--good:#0f7b6c;
  --c1:#0f7b6c;--c2:#3b6fd4;--c3:#d9822b;--shadow:0 1px 2px rgba(16,24,40,.06),0 4px 14px rgba(16,24,40,.06);
  --radius:12px;--max:1080px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0e141b;--surface:#16202b;--surface2:#1d2a38;--text:#e8eef5;--muted:#9fb0c2;--border:#2a3a4b;
  --accent:#34c3ac;--accent-ink:#06211c;--accent-soft:#12332e;--warn:#f0b35a;--warn-soft:#33260f;--bad:#ff8a7a;--good:#34c3ac;
  --c1:#34c3ac;--c2:#7ba5f5;--c3:#f0a24f;--shadow:none}}
:root[data-theme="dark"]{
  --bg:#0e141b;--surface:#16202b;--surface2:#1d2a38;--text:#e8eef5;--muted:#9fb0c2;--border:#2a3a4b;
  --accent:#34c3ac;--accent-ink:#06211c;--accent-soft:#12332e;--warn:#f0b35a;--warn-soft:#33260f;--bad:#ff8a7a;--good:#34c3ac;
  --c1:#34c3ac;--c2:#7ba5f5;--c3:#f0a24f;--shadow:none}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--accent)}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:var(--surface);padding:8px 12px;z-index:99}
header.site{background:var(--surface);border-bottom:1px solid var(--border)}
header.site .wrap{display:flex;align-items:center;gap:12px;min-height:58px}
.logo{font-weight:800;font-size:1.15rem;text-decoration:none;color:var(--text);letter-spacing:-.02em;margin-right:auto}
.logo span{color:var(--accent)}
nav.main{display:flex;gap:4px;flex-wrap:wrap}
nav.main a{color:var(--muted);text-decoration:none;padding:6px 10px;border-radius:8px;font-size:.92rem}
nav.main a:hover,nav.main a[aria-current]{background:var(--surface2);color:var(--text)}
.navtoggle{display:none}
#themeBtn{background:var(--surface2);border:1px solid var(--border);color:var(--text);border-radius:8px;width:38px;height:38px;cursor:pointer;font-size:1rem}
@media(max-width:1020px){
  nav.main{display:none;position:absolute;left:0;right:0;top:58px;background:var(--surface);border-bottom:1px solid var(--border);padding:8px 16px;flex-direction:column;z-index:20}
  nav.main.open{display:flex}
  .navtoggle{display:inline-block;background:var(--surface2);border:1px solid var(--border);color:var(--text);border-radius:8px;height:38px;padding:0 12px;cursor:pointer}
  header.site{position:relative}
}
.crumbs{font-size:.85rem;color:var(--muted);padding:14px 0 0}.crumbs a{color:var(--muted)}
h1{font-size:clamp(1.55rem,4.5vw,2.25rem);line-height:1.2;margin:.5rem 0 .4rem;letter-spacing:-.02em}
.lead{color:var(--muted);margin:0 0 18px;max-width:70ch}
h2{font-size:1.4rem;line-height:1.3;margin:2rem 0 .6rem;letter-spacing:-.01em}
h3{font-size:1.1rem;margin:1.4rem 0 .4rem}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.tool{display:grid;gap:18px;grid-template-columns:minmax(0,360px) minmax(0,1fr);align-items:start}
@media(max-width:860px){.tool{grid-template-columns:minmax(0,1fr)}}
.fields{display:grid;gap:12px}
.field label{display:block;font-weight:600;font-size:.88rem;margin-bottom:4px}
.field .hint{display:block;font-size:.78rem;color:var(--muted);margin-top:3px;line-height:1.35}
.input{display:flex;align-items:stretch;border:1px solid var(--border);border-radius:9px;background:var(--bg);overflow:hidden}
.input:focus-within{outline:2px solid var(--accent);outline-offset:1px}
.input input,.input select{flex:1;min-width:0;border:0;background:transparent;color:var(--text);font:inherit;padding:10px 12px}
.input input:focus,.input select:focus{outline:0}
.input select{background:var(--bg)}
.input .unit{display:flex;align-items:center;padding:0 12px;color:var(--muted);background:var(--surface2);font-size:.9rem;white-space:nowrap}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:420px){.row2{grid-template-columns:1fr}}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:14px}
.tabs button,.btn{font:inherit;cursor:pointer;border:1px solid var(--border);background:var(--surface2);color:var(--text);border-radius:9px;padding:8px 14px;font-weight:600;font-size:.9rem}
.tabs button[aria-selected="true"]{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
.btn.primary{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
.btn.small{padding:5px 10px;font-size:.82rem}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;margin-bottom:16px}
.kpi{background:var(--surface2);border-radius:10px;padding:12px}
.kpi.main{background:var(--accent-soft);grid-column:1/-1}
.kpi .l{font-size:.78rem;color:var(--muted);display:block}
.kpi .v{font-size:1.3rem;font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.kpi.main .v{font-size:1.9rem;color:var(--accent)}
.kpi .v.neg{color:var(--bad)}.kpi .v.pos{color:var(--good)}
.chart{position:relative;height:300px;margin:10px 0 4px}
.chart-wrap{min-height:300px}
.tblwrap{max-height:380px;overflow:auto;border:1px solid var(--border);border-radius:9px;margin-top:10px}
table{border-collapse:collapse;width:100%;font-size:.85rem;font-variant-numeric:tabular-nums}
th,td{padding:7px 10px;text-align:right;border-bottom:1px solid var(--border);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--surface2);z-index:1}
.note{background:var(--warn-soft);color:var(--text);border-left:4px solid var(--warn);padding:10px 14px;border-radius:8px;font-size:.88rem;margin:14px 0}
.err{color:var(--bad);font-size:.85rem;min-height:1.2em}
.ad{min-height:100px;margin:22px 0;border:1px dashed var(--border);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}
.aff{border:1px solid var(--border);border-left:4px solid var(--c3);background:var(--surface);border-radius:10px;padding:14px 16px;margin:22px 0}
.aff small{display:block;color:var(--muted);margin-top:6px}
.aff a.btn{display:inline-block;text-decoration:none;margin-top:8px}
article.copy{max-width:74ch}
article.copy p,article.copy li{color:var(--text)}
article.copy ul,article.copy ol{padding-left:1.3rem}
.faq details{background:var(--surface);border:1px solid var(--border);border-radius:10px;padding:0 16px;margin:8px 0}
.faq summary{cursor:pointer;font-weight:600;padding:13px 0}
.faq details p{margin:0 0 14px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}
.tile{display:block;text-decoration:none;color:var(--text);background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:18px;transition:transform .15s,border-color .15s}
.tile:hover{border-color:var(--accent);transform:translateY(-2px)}
.tile .ico{font-size:1.6rem;display:block;margin-bottom:6px}
.tile strong{display:block;font-size:1.05rem}
.tile span.d{color:var(--muted);font-size:.9rem}
.search{display:flex;max-width:520px;margin:14px 0 24px}
.search input{flex:1;font:inherit;padding:13px 16px;border:1px solid var(--border);border-radius:10px;background:var(--surface);color:var(--text)}
.search input:focus{outline:2px solid var(--accent)}
.hero{padding:34px 0 8px}
footer.site{margin-top:50px;border-top:1px solid var(--border);background:var(--surface);padding:26px 0;font-size:.88rem;color:var(--muted)}
footer.site .cols{display:flex;gap:18px 30px;flex-wrap:wrap;margin-bottom:10px}
footer.site a{color:var(--muted)}
#cookie{position:fixed;left:12px;right:12px;bottom:12px;max-width:760px;margin:0 auto;background:var(--surface);border:1px solid var(--border);box-shadow:0 8px 30px rgba(0,0,0,.25);border-radius:14px;padding:16px;z-index:100;display:none}
#cookie.show{display:block}
#cookie p{margin:0 0 10px;font-size:.88rem}
#cookie .acts{display:flex;gap:8px;flex-wrap:wrap}
#cookie .opts{margin:8px 0}
#cookie .opts label{display:block;font-size:.88rem;margin:4px 0}
.small{font-size:.85rem;color:var(--muted)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.legal h2{font-size:1.2rem}
@media print{header.site,footer.site,.ad,.aff,#cookie,.tabs{display:none}}
[hidden]{display:none!important}
mark{background:#fff3b0;color:#222;padding:0 3px;border-radius:3px}
.fields{grid-template-columns:minmax(0,1fr)}
.field,.row2>*,.kpi{min-width:0}
.input input,.input select{width:100%}
.kpi .v{overflow-wrap:anywhere}
@media(max-width:600px){#cookie{padding:12px}#cookie p{font-size:.8rem}.card{padding:14px}}

/* ===== Rediseño v2: identidad, color y jerarquía ===== */
:root{--acc:#0f7b6c;--acc2:#3b6fd4;--font-d:"Sora",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --grad:linear-gradient(135deg,#0f7b6c 0%,#3b6fd4 100%);--ink:#0b1b2b;
  --hero-a:#e3f6f1;--hero-b:#e5ecfb;--hero-c:#fdeedd}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--hero-a:#0f2a2a;--hero-b:#14213d;--hero-c:#2a1d12;--grad:linear-gradient(135deg,#34c3ac 0%,#7ba5f5 100%)}}
:root[data-theme="dark"]{--hero-a:#0f2a2a;--hero-b:#14213d;--hero-c:#2a1d12;--grad:linear-gradient(135deg,#34c3ac 0%,#7ba5f5 100%)}
body[data-acc="hipoteca"]{--acc:#2f6fe0;--acc2:#6aa0ff}
body[data-acc="interes"]{--acc:#12a36b;--acc2:#7bdc9d}
body[data-acc="etf"]{--acc:#7c4ddb;--acc2:#b79bf5}
body[data-acc="fiscal"]{--acc:#d97706;--acc2:#f7b955}
body[data-acc="opciones"]{--acc:#d6336c;--acc2:#f58bb0}
body[data-acc="entrada"]{--acc:#0e9aa7;--acc2:#6fd6df}
h1,h2,h3,.logo,.kpi .v{font-family:var(--font-d);letter-spacing:-.025em}
h1{font-weight:800}
h2{font-weight:700;position:relative;padding-left:14px}
h2::before{content:"";position:absolute;left:0;top:.25em;bottom:.25em;width:5px;border-radius:4px;background:var(--acc)}
.legal h2::before,.hero h2::before{display:none}.legal h2,.hero h2{padding-left:0}
/* cabecera */
header.site{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--surface) 86%,transparent);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px)}
.logo{display:flex;align-items:center;gap:10px;font-size:1.28rem;font-weight:700;letter-spacing:-.04em}
.logo .mk{width:36px;height:36px;flex:none;filter:drop-shadow(0 4px 8px rgba(15,123,108,.35))}
.logo b{font-weight:800;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;font-size:1.12em}
.logo span{color:inherit;font-weight:500}
nav.main a{font-weight:500}
nav.main a[aria-current]{background:var(--accent-soft);color:var(--accent);font-weight:700}
/* héroe de página de calculadora */
.pagehero{margin:14px 0 20px;padding:24px 22px;border-radius:18px;position:relative;overflow:hidden;
  background:linear-gradient(120deg,color-mix(in srgb,var(--acc) 16%,var(--surface)) 0%,color-mix(in srgb,var(--acc2) 12%,var(--surface)) 100%);border:1px solid color-mix(in srgb,var(--acc) 28%,var(--border))}
.pagehero::after{content:"";position:absolute;right:-40px;top:-50px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--acc2) 45%,transparent),transparent 70%);pointer-events:none}
.pagehero .crumbs{padding:0 0 6px}
.pagehero h1{margin:.2rem 0 .4rem;display:flex;align-items:center;gap:14px}
.pagehero .lead{margin:0;position:relative;z-index:1}
.ibadge{display:inline-flex;align-items:center;justify-content:center;width:50px;height:50px;flex:none;border-radius:14px;color:#fff;background:linear-gradient(135deg,var(--acc),var(--acc2));box-shadow:0 6px 16px color-mix(in srgb,var(--acc) 40%,transparent)}
.ibadge svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px;position:relative;z-index:1}
.chip{font-size:.78rem;font-weight:600;padding:5px 11px;border-radius:99px;background:color-mix(in srgb,var(--surface) 78%,transparent);border:1px solid var(--border);color:var(--text)}
/* tarjetas y resultados */
.card{border-radius:16px}
form.card{border-top:4px solid var(--acc)}
.kpi{border-radius:12px;border:1px solid var(--border);background:var(--surface)}
.kpi.main{border:0;color:#fff;background:linear-gradient(135deg,var(--acc),var(--acc2));box-shadow:0 10px 24px color-mix(in srgb,var(--acc) 30%,transparent)}
.kpi.main .l{color:rgba(255,255,255,.85)}
.kpi.main .v{color:#fff;font-size:2.1rem}
.kpi.main .v.pos,.kpi.main .v.neg{color:#fff}
.tabs button[aria-selected="true"],.btn.primary{background:linear-gradient(135deg,var(--acc),var(--acc2));border-color:transparent;color:#fff}
.input:focus-within{outline-color:var(--acc)}
.field label{color:var(--text)}
thead th{background:color-mix(in srgb,var(--acc) 12%,var(--surface2))}
.note{border-left-color:var(--acc);background:color-mix(in srgb,var(--acc) 9%,var(--surface))}
.aff{border-left-color:var(--acc);background:linear-gradient(120deg,color-mix(in srgb,var(--acc) 8%,var(--surface)),var(--surface))}
.ad{background:repeating-linear-gradient(45deg,transparent 0 10px,color-mix(in srgb,var(--border) 40%,transparent) 10px 11px)}
.faq details{border-left:4px solid transparent;transition:border-color .2s}
.faq details[open]{border-left-color:var(--acc)}
.faq summary{list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";font-weight:800;color:var(--acc);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"−"}
/* portada */
.homehero{position:relative;margin:16px 0 8px;padding:48px 28px 38px;border-radius:24px;overflow:hidden;border:1px solid var(--border);
  background:radial-gradient(900px 340px at 8% -10%,var(--hero-a),transparent 60%),radial-gradient(700px 320px at 100% 0%,var(--hero-b),transparent 60%),radial-gradient(600px 300px at 60% 120%,var(--hero-c),transparent 60%),var(--surface)}
.homehero h1{font-size:clamp(2rem,6vw,3.4rem);line-height:1.08;margin:0 0 14px;max-width:16ch}
.homehero h1 em{font-style:normal;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.homehero .lead{font-size:1.1rem;max-width:56ch}
.homehero .search{margin:20px 0 6px;max-width:560px;box-shadow:0 10px 30px rgba(16,24,40,.12);border-radius:14px}
.homehero .search input{padding:16px 20px;font-size:1.02rem;border-radius:14px}
.stats{display:flex;gap:10px 22px;flex-wrap:wrap;margin-top:18px;font-size:.9rem;color:var(--muted)}
.stats strong{color:var(--text);font-family:var(--font-d)}
.tile{position:relative;overflow:hidden;border-radius:18px;padding:22px 20px 20px;background:var(--surface)}
.tile::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--acc),var(--acc2))}
.tile::after{content:"→";position:absolute;right:18px;bottom:14px;font-weight:700;color:var(--acc);opacity:0;transform:translateX(-6px);transition:.2s}
.tile:hover{border-color:var(--acc);box-shadow:0 14px 30px color-mix(in srgb,var(--acc) 22%,transparent);transform:translateY(-4px)}
.tile:hover::after{opacity:1;transform:none}
.tile .ibadge{margin-bottom:12px;width:46px;height:46px}
.tile strong{font-family:var(--font-d);font-size:1.12rem;margin-bottom:4px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:12px 0 0}
.step{padding:18px;border-radius:16px;background:var(--surface);border:1px solid var(--border)}
.step .n{display:inline-flex;width:32px;height:32px;border-radius:10px;align-items:center;justify-content:center;font-weight:800;font-family:var(--font-d);color:#fff;background:var(--grad);margin-bottom:8px}
.step strong{display:block;font-family:var(--font-d)}
.step p{margin:4px 0 0;color:var(--muted);font-size:.92rem}
/* pie */
footer.site{background:var(--ink);color:#aebdce;border-top:0}
footer.site a{color:#d5e0ec}footer.site strong{color:#fff}
footer.site .logo{color:#fff}
@media (prefers-color-scheme:dark){footer.site{background:#0a1018}}
@media(max-width:600px){.homehero{padding:30px 18px 26px;border-radius:18px}.pagehero{padding:18px 16px}.ibadge{width:42px;height:42px}.pagehero h1{gap:10px}}
body[data-acc]{--c1:var(--acc)}
body[data-acc="hipoteca"]{--c2:#12a36b}
body[data-acc="interes"]{--c2:#3b6fd4}