@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:optional;src:url(../fonts/inter-latin-400-normal.woff2)format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212,U+FB01-FB02}@font-face{font-family:"Inter Fallback";src:local("Arial");size-adjust:107.12%;ascent-override:90.44%;descent-override:22.52%;line-gap-override:0%}@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:optional;src:url(../fonts/inter-latin-500-normal.woff2)format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212,U+FB01-FB02}@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:optional;src:url(../fonts/inter-latin-600-normal.woff2)format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212,U+FB01-FB02}@font-face{font-family:"Inter";font-style:normal;font-weight:700;font-display:optional;src:url(../fonts/inter-latin-700-normal.woff2)format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2212,U+FB01-FB02}*,::before,::after{box-sizing:border-box;margin:0;padding:0}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{font-family:var(--ff-sans);font-size:var(--fs-base);line-height:1.6;color:var(--c-text);background:var(--c-bg);-webkit-font-smoothing:antialiased}img,svg,video{max-width:100%;height:auto;display:block}button,input,select,textarea{font:inherit;color:inherit}button{cursor:pointer;background:0 0;border:0}a{color:var(--c-primary);text-decoration:none}a:hover{text-decoration:underline}ul,ol{list-style:none}table{border-collapse:collapse;width:100%}:root{--c-primary:#1a3a5c;--c-primary-dark:#112844;--c-primary-light:#3c526f;--c-accent:#0B4DA2;--c-accent-dark:#083A80;--c-accent-soft:#e8eff9;--c-accent-line:#c3d4ec;--c-success:#5fb682;--c-danger:#DC2626;--c-gold:#f6bd09;--c-text:#1a3a5c;--c-text-muted:#3c526f;--c-text-light:#64748b;--c-bg:#FFFFFF;--c-bg-alt:#f8f9fa;--c-bg-dark:#1a3a5c;--c-border:#e5edf3;--c-border-strong:#c3d4ec;--ff-sans:'Inter','Inter Fallback',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Oxygen,Ubuntu,sans-serif;--ff-mono:'JetBrains Mono','SF Mono',Menlo,Consolas,monospace;--fs-xs:0.75rem;--fs-sm:0.875rem;--fs-base:1rem;--fs-lg:1.125rem;--fs-xl:1.25rem;--fs-2xl:1.5rem;--fs-3xl:1.875rem;--fs-4xl:2.25rem;--fs-5xl:3rem;--fs-6xl:3.75rem;--s-1:0.25rem;--s-2:0.5rem;--s-3:0.75rem;--s-4:1rem;--s-5:1.25rem;--s-6:1.5rem;--s-8:2rem;--s-10:2.5rem;--s-12:3rem;--s-16:4rem;--s-20:5rem;--s-24:6rem;--container:1200px;--radius:8px;--radius-lg:12px;--radius-xl:16px;--shadow-sm:0 1px 2px rgba(26,58,92,.05);--shadow:0 4px 14px rgba(26,58,92,.07);--shadow-lg:0 10px 32px rgba(26,58,92,.10);--shadow-xl:0 20px 48px rgba(26,58,92,.14);--shadow-glow:0 0 30px rgba(11,77,162,.25);--t-fast:150ms cubic-bezier(.4,0,.2,1);--t-base:250ms cubic-bezier(.4,0,.2,1);--t-slow:350ms cubic-bezier(.4,0,.2,1)}.mono{font-family:var(--ff-mono);letter-spacing:.02em}.svg-icon{stroke:currentColor;stroke-width:1.5;fill:none;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;display:inline-block;vertical-align:-.125em}.cluster-card__icon{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--c-accent-soft) 0%,rgba(11,77,162,.05) 100%);border:1px solid var(--c-accent-line);display:flex;align-items:center;justify-content:center;margin-bottom:var(--s-5);color:var(--c-accent-dark);transition:all var(--t-base)}.cluster-card__icon .svg-icon{width:30px;height:30px;stroke-width:1.5}.cluster-card:hover .cluster-card__icon{background:linear-gradient(135deg,var(--c-accent) 0%,var(--c-accent-dark) 100%);color:#fff;border-color:var(--c-accent-dark);transform:translateY(-2px);box-shadow:0 8px 20px rgba(60,109,240,.22)}.cluster-card{position:relative;transition:all var(--t-base)}.cluster-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--c-accent-dark),var(--c-accent));opacity:0;transition:opacity var(--t-base);border-radius:var(--radius-lg) var(--radius-lg)0 0}.cluster-card:hover::before{opacity:1}.cluster-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}.wizard{position:relative;background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-xl);padding-top:56px;box-shadow:var(--shadow-lg);overflow:hidden}.wizard::before{content:"financia-t.com / estudio de viabilidad";position:absolute;top:0;left:0;right:0;height:42px;background:var(--c-bg-alt);border-bottom:1px solid var(--c-border);display:flex;align-items:center;padding-left:74px;font-family:var(--ff-mono);font-size:11px;color:var(--c-text-light);letter-spacing:.02em}.wizard::after{content:"";position:absolute;top:15px;left:16px;width:12px;height:12px;border-radius:50%;background:#ff5f57;box-shadow:18px 0 0#ffbd2e,36px 0 0#28c940}.wizard__header{padding-top:var(--s-4)}.wizard__step-label{font-family:var(--ff-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--c-accent-dark);font-weight:600}.wizard__step.active{background:var(--c-accent-dark);box-shadow:0 0 8px rgba(60,109,240,.4)}.stat-triplet{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-4);max-width:980px;margin:var(--s-4) auto 0}.stat-triplet__item{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);padding:var(--s-6) var(--s-5);position:relative;transition:all var(--t-base);box-shadow:var(--shadow-sm);overflow:hidden}.stat-triplet__item::before{content:"";position:absolute;top:0;left:0;width:4px;height:100%;background:linear-gradient(180deg,var(--c-accent),var(--c-accent-dark));opacity:.7}.stat-triplet__item:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);border-color:var(--c-accent-line)}.stat-triplet__num{font-family:var(--ff-sans);font-weight:800;font-size:var(--fs-4xl);letter-spacing:-.03em;line-height:1;color:var(--c-primary);margin-bottom:var(--s-2);background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-accent-dark) 130%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}.stat-triplet__lbl{font-family:var(--ff-mono);font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:var(--c-text-muted);font-weight:500;line-height:1.4}.stat-triplet__trend{display:inline-block;font-family:var(--ff-mono);font-size:10px;font-weight:700;letter-spacing:.05em;color:var(--c-success);background:rgba(95,182,130,.1);border:1px solid rgba(95,182,130,.3);padding:3px 8px;border-radius:6px;margin-bottom:var(--s-3)}.stat-triplet__icon{position:absolute;top:var(--s-4);right:var(--s-4);width:32px;height:32px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--c-accent-dark)}.stat-triplet__icon .svg-icon{width:18px;height:18px}.hero{position:relative;overflow:clip}.hero::before{content:"";position:absolute;top:-180px;right:-180px;width:760px;height:760px;background:radial-gradient(circle,rgba(11,77,162,.1),transparent 65%);pointer-events:none;z-index:0}.hero::after{content:"";position:absolute;bottom:-150px;left:-220px;width:640px;height:640px;background:radial-gradient(circle,rgba(60,109,240,.06),transparent 70%);pointer-events:none;z-index:0}.hero>*{position:relative;z-index:1}.hero__h1 strong,.hero__h1 em{background:linear-gradient(135deg,var(--c-accent-dark) 0%,var(--c-accent) 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;font-style:normal}.btn--accent{box-shadow:var(--shadow-glow);transition:all var(--t-base);position:relative;overflow:hidden}.btn--accent:hover{transform:translateY(-1px);box-shadow:0 8px 30px rgba(60,109,240,.35)}.btn--accent::after{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,.1),transparent);opacity:0;transition:opacity var(--t-base)}.btn--accent:hover::after{opacity:1}.header{background:rgba(255,255,255,.92);backdrop-filter:blur(20px) saturate(180%);-webkit-backdrop-filter:blur(20px) saturate(180%);border-bottom:1px solid var(--c-border)}.ficha-tecnica{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid #e2e8f0;border-radius:14px;overflow:hidden;box-shadow:0 4px 16px rgba(26,58,92,.06);font-size:14.5px}.ficha-tecnica caption{padding:16px 24px;background:var(--c-primary);color:#fff;font-weight:700;font-size:15px;text-align:left;letter-spacing:0;text-transform:none;font-family:var(--ff-sans);position:relative}.ficha-tecnica caption::after{content:"";position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--c-accent-dark),var(--c-accent))}.ficha-tecnica thead th{padding:16px 24px;background:#fafbfc;color:var(--c-primary);font-size:13px;font-weight:700;text-align:left;letter-spacing:0;text-transform:none;font-family:var(--ff-sans);border-bottom:1px solid #e2e8f0}.ficha-tecnica td{padding:16px 24px;border-bottom:1px solid #f1f5f9;font-size:14.5px;line-height:1.55;color:var(--c-text-muted);vertical-align:top;background:#fff}.ficha-tecnica tr:last-child td{border-bottom:none}.ficha-tecnica td:first-child{background:#fafbfc;color:var(--c-primary);font-weight:600;width:30%}.ficha-tecnica td:last-child{color:var(--c-primary)}.ficha-tecnica td strong{color:var(--c-primary);font-weight:600}.faq{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius);margin-bottom:var(--s-3);overflow:hidden;transition:all var(--t-base)}.faq:hover{border-color:var(--c-accent-line);box-shadow:var(--shadow-sm)}.faq[open]{border-color:var(--c-accent-dark);box-shadow:var(--shadow-md)}.faq__q{padding:var(--s-4) var(--s-5);cursor:pointer;font-weight:600;color:var(--c-primary);position:relative;padding-right:48px;list-style:none;transition:color var(--t-fast)}.faq__q::-webkit-details-marker{display:none}.faq__q::after{content:"+";position:absolute;right:var(--s-5);top:50%;transform:translateY(-50%);width:28px;height:28px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-accent-dark);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:300;line-height:1;transition:all var(--t-base)}.faq[open] .faq__q::after{content:"−";background:var(--c-accent-dark);color:#fff;border-color:var(--c-accent-dark);transform:translateY(-50%) rotate(180deg)}.faq__q:hover{color:var(--c-accent-dark)}.faq__a{padding:0 var(--s-5) var(--s-5);color:var(--c-text-muted);line-height:1.7}.cta-strip,.cta-card,.section--cta{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;border-radius:var(--radius-xl);padding:var(--s-12) var(--s-10);position:relative;overflow:hidden}.cta-strip::before,.cta-card::before,.section--cta::before{content:"";position:absolute;top:-50%;right:-10%;width:500px;height:500px;background:radial-gradient(circle,var(--c-accent),transparent 60%);opacity:.35;pointer-events:none}.cta-strip h2,.cta-card h2,.section--cta h2{color:#fff;position:relative}.cta-strip p,.cta-card p,.section--cta p{color:rgba(255,255,255,.85);position:relative}.footer,footer{background:var(--c-bg-alt);border-top:1px solid var(--c-border)}.breadcrumbs{font-family:var(--ff-sans);font-size:13px;letter-spacing:.01em;color:var(--c-text-muted)}.breadcrumbs a{color:var(--c-text-muted);transition:color var(--t-fast)}.breadcrumbs a:hover{color:var(--c-accent-dark);text-decoration:none}.breadcrumbs span{color:var(--c-accent-line);margin:0 8px}.tag,.badge{display:inline-flex;align-items:center;gap:8px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-primary);padding:7px 14px;border-radius:100px;font-family:var(--ff-sans);font-size:12.5px;font-weight:500;letter-spacing:0;text-transform:none;line-height:1.3;margin-bottom:var(--s-5);max-width:fit-content;box-shadow:var(--shadow-sm)}.badge--center,.badge:has(+h2.text-center),.badge:has(+h2.section-title-xl),.badge:has(+h2[style*="text-align:center"]),.badge:has(+h2[style*="text-align: center"]),.badge:has(+.text-center){display:flex;margin-left:auto;margin-right:auto}.badge__dot,.badge .dot{width:6px;height:6px;border-radius:50%;background:var(--c-accent-dark);box-shadow:0 0 8px var(--c-accent);display:inline-block;flex-shrink:0;animation:badge-pulse 2.2s ease-in-out infinite}@keyframes badge-pulse{0%,to{opacity:1;transform:scale(1)}50%{opacity:.55;transform:scale(.85)}}.nav__dropdown{border:1px solid var(--c-border);box-shadow:var(--shadow-lg);border-radius:var(--radius-lg);background:#fff;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px)}.nav__dropdown a{transition:all var(--t-fast);border-radius:var(--radius)}.nav__dropdown a:hover{background:var(--c-accent-soft);color:var(--c-accent-dark)}.btn--secondary,.btn--outline{background:#fff;color:var(--c-primary);border:1px solid var(--c-border);transition:all var(--t-base);box-shadow:var(--shadow-sm)}.btn--secondary:hover,.btn--outline:hover{border-color:var(--c-accent);color:var(--c-accent-dark);box-shadow:var(--shadow-md);transform:translateY(-1px)}.quick-answer,.def-lead{background:linear-gradient(135deg,#fff 0%,var(--c-bg-alt) 100%);border:1px solid var(--c-border);border-left:4px solid var(--c-accent);border-radius:var(--radius-lg);padding:var(--s-6) var(--s-8);box-shadow:var(--shadow-sm)}.def-lead{margin-bottom:var(--s-6)}.quick-answer__label{font-family:var(--ff-mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--c-accent-dark);font-weight:600;margin-bottom:var(--s-2);display:inline-block}.hero__trust{font-family:var(--ff-mono);font-size:12px;letter-spacing:.04em;color:var(--c-text-muted)}.hero__trust strong{color:var(--c-primary)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s-2);padding:var(--s-3) var(--s-6);border-radius:var(--radius);font-weight:600;font-size:var(--fs-base);text-decoration:none;transition:all var(--t-base);border:1px solid transparent;cursor:pointer;line-height:1.2}.btn--primary{background:var(--c-primary);color:#fff;border-color:var(--c-primary);box-shadow:var(--shadow-sm)}.btn--primary:hover{background:var(--c-primary-dark);border-color:var(--c-primary-dark);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn--accent{background:var(--c-accent-dark);color:#fff;border-color:var(--c-accent-dark);box-shadow:var(--shadow-glow)}.btn--accent:hover{background:var(--c-primary);border-color:var(--c-primary);color:#fff;transform:translateY(-1px);box-shadow:0 8px 30px rgba(60,109,240,.35)}.btn--ghost{background:0 0;color:var(--c-primary);border-color:var(--c-border)}.btn--ghost:hover{background:var(--c-accent-soft);border-color:var(--c-accent);color:var(--c-accent-dark)}.btn--white{background:#fff;color:var(--c-primary);border-color:var(--c-border);box-shadow:var(--shadow-sm)}.btn--white:hover{background:var(--c-accent-soft);color:var(--c-accent-dark);border-color:var(--c-accent-line)}.btn--whatsapp{background:#0e7a52;color:#fff;border-color:#0e7a52}.btn--whatsapp:hover{background:#0c6b47;border-color:#0c6b47;color:#fff;transform:translateY(-1px);box-shadow:0 6px 20px rgba(14,122,82,.3)}h1,h2,h3,h4,h5,h6{font-weight:800;line-height:1.05;color:var(--c-primary);margin-bottom:var(--s-4);letter-spacing:-.025em}h1{font-size:clamp(2.2rem,5.2vw,4rem);letter-spacing:-.035em;line-height:1.05}h2{font-size:clamp(1.75rem,3.8vw,2.5rem);letter-spacing:-.025em;line-height:1.1;margin-top:var(--s-12)}h3{font-size:clamp(1.35rem,2.6vw,1.625rem);letter-spacing:-.02em;line-height:1.2;margin-top:var(--s-8);font-weight:700}h4{font-size:var(--fs-xl);margin-top:var(--s-6);font-weight:700;letter-spacing:-.015em}h5{font-size:var(--fs-lg);font-weight:700}.hero__h1{font-size:clamp(2.2rem,5.2vw,3.875rem);font-weight:800;line-height:1.05;letter-spacing:-.035em;color:var(--c-primary);margin-bottom:var(--s-4)}.hero__subtitle{font-size:clamp(1.05rem,1.8vw,1.25rem);color:var(--c-text-muted);line-height:1.5;font-weight:400;margin-bottom:var(--s-6)}.hero__subtitle strong{color:var(--c-primary);font-weight:600}.section-title-xl{font-size:clamp(1.875rem,4.4vw,2.75rem);line-height:1.1;color:var(--c-primary);font-weight:800;letter-spacing:-.03em;max-width:900px;margin-left:auto;margin-right:auto;padding-bottom:var(--s-4);position:relative}.section-title-xl::after{content:"";display:block;width:64px;height:3px;background:linear-gradient(90deg,var(--c-accent-dark) 0%,var(--c-accent) 100%);border-radius:2px;margin:var(--s-4) auto 0}.guide-body h2,.legal-body h2{font-weight:800;letter-spacing:-.025em;color:var(--c-primary);border-bottom-color:var(--c-accent)!important;border-bottom-width:3px!important}.big-stat__num{font-weight:800;color:var(--c-primary);line-height:1;letter-spacing:-.03em;background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-accent-dark) 120%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}.hero__ctas .btn--accent{box-shadow:var(--shadow-glow)}.hero__ctas .btn--accent:hover{box-shadow:0 10px 32px rgba(60,109,240,.4)}.lead{font-size:clamp(1.05rem,1.6vw,1.2rem);color:var(--c-text-muted);line-height:1.55;font-weight:400}.article h2{margin-top:var(--s-16);font-weight:800;letter-spacing:-.025em;color:var(--c-primary)}.article h3{margin-top:var(--s-10);font-weight:700;color:var(--c-primary)}.article a,p a{color:var(--c-accent-dark);font-weight:500;text-decoration:underline;text-decoration-color:var(--c-accent-line);text-underline-offset:3px;transition:all var(--t-fast)}.article a:hover,p a:hover{color:var(--c-primary);text-decoration-color:var(--c-accent)}.takeaways{list-style:none;padding-left:0;margin:var(--s-4)0}.takeaways li{position:relative;padding:var(--s-2)0 var(--s-2) var(--s-8);color:var(--c-text-muted);line-height:1.6}.takeaways li::before{content:"✓";position:absolute;left:0;top:var(--s-2);width:24px;height:24px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-accent-dark);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700}.takeaways li strong{color:var(--c-primary);font-weight:600}.cluster-card h3{font-size:var(--fs-xl);font-weight:700;letter-spacing:-.015em;color:var(--c-primary);margin-top:0;margin-bottom:var(--s-3)}.cluster-card__desc{color:var(--c-text-muted);font-size:var(--fs-base);line-height:1.55;margin-bottom:var(--s-4)}.cluster-card__bullets{list-style:none;padding-left:0;border-top:1px solid var(--c-border);padding-top:var(--s-4);margin-top:auto}.cluster-card__bullets li{padding:var(--s-2)0;font-size:var(--fs-sm);color:var(--c-text-muted);position:relative;padding-left:var(--s-5)}.cluster-card__bullets li::before{content:"→";position:absolute;left:0;top:var(--s-2);color:var(--c-accent);font-weight:700}.cluster-card__bullets li strong{color:var(--c-primary)}.cluster-card__num{font-family:var(--ff-mono);font-size:11px;color:var(--c-accent-dark);letter-spacing:.1em;font-weight:600;text-transform:uppercase}p{margin-bottom:var(--s-4)}strong{font-weight:600;color:var(--c-text)}small,.small{font-size:var(--fs-sm)}.lead{font-size:var(--fs-lg);color:var(--c-text-muted);margin-bottom:var(--s-6)}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}@media (min-width:768px){.container{padding:0 32px}}.section{padding:var(--s-16)0}.section--alt{background:var(--c-bg-alt)}.section--dark{background:var(--c-bg-dark);color:#fff}.section--dark h1,.section--dark h2,.section--dark h3{color:#fff}.grid{display:grid;gap:var(--s-6)}.grid-2{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr}.grid-4{grid-template-columns:1fr}@media (min-width:768px){.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}.header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--c-border);transition:box-shadow var(--t-fast)}.header.scrolled{box-shadow:var(--shadow)}.header__top{display:none;background:var(--c-bg-alt);padding:var(--s-2)0;font-size:var(--fs-sm);color:var(--c-text-muted)}@media (min-width:1024px){.header__top{display:block}}.header__top-inner{display:flex;justify-content:space-between;align-items:center;gap:var(--s-4)}.header__top a{color:var(--c-text-muted)}.header__main{padding:var(--s-3)0}.header__inner{display:flex;align-items:center;justify-content:space-between;gap:var(--s-4)}.header__logo{display:flex;align-items:center;gap:var(--s-2);font-size:var(--fs-2xl);font-weight:700;color:var(--c-primary);text-decoration:none;flex-shrink:0}.header__logo img{height:48px;width:auto;max-width:200px;display:block!important;object-fit:contain}.header__logo span{font-size:var(--fs-xs);font-weight:400;color:var(--c-text-muted);display:block;line-height:1}@media (max-width:640px){.header__logo img{height:40px;max-width:160px}}.footer__official{display:flex;flex-wrap:wrap;align-items:stretch;justify-content:center;gap:var(--s-3);margin:var(--s-6)0 var(--s-8);padding:var(--s-6) var(--s-4);background:#fff;border-radius:var(--radius-lg);box-shadow:0 8px 30px rgba(0,0,0,.18)}.footer__official-item{flex:1 1 0;min-width:240px;max-width:360px;display:flex;flex-direction:column;align-items:center;justify-content:flex-start;gap:var(--s-3);text-decoration:none;padding:var(--s-4) var(--s-3);border-radius:var(--radius);transition:all .2s ease;text-align:center;color:var(--c-text)}.footer__official-item:hover{background:var(--c-bg-alt);transform:translateY(-2px);text-decoration:none;color:var(--c-text)}.footer__official-icon{width:100%;max-width:260px;min-height:110px;height:110px;flex-shrink:0;background:#fff;display:flex!important;align-items:center;justify-content:center;padding:6px;border-radius:4px}.footer__official-icon svg,.footer__official-icon img{max-width:100%;max-height:100%;width:auto;height:auto;min-height:60px;object-fit:contain;display:block!important;visibility:visible!important}.footer__official-text{display:flex;flex-direction:column;gap:6px;width:100%;min-width:0;flex:1}.footer__official-text strong{display:block;font-size:var(--fs-base);font-weight:700;color:var(--c-primary-dark);line-height:1.25;margin-top:var(--s-2)}.footer__official-text small{display:block;font-size:var(--fs-sm);color:var(--c-text);line-height:1.55;white-space:normal;overflow-wrap:break-word}.footer__official-text small a{color:var(--c-primary);font-weight:600;text-decoration:underline;white-space:nowrap}.footer__official-text small a:hover{color:var(--c-accent-dark)}@media (max-width:640px){.footer__official{padding:var(--s-5) var(--s-3);gap:var(--s-4)}.footer__official-item{flex:1 1 100%;max-width:100%;min-width:0;padding:var(--s-5) var(--s-3)}.footer__official-icon{height:90px;min-height:90px;max-width:240px;padding:8px}.footer__official-icon img{min-height:50px}}.header__cta{display:none}@media (min-width:1024px){.header__cta{display:inline-flex}}.header__hamburger{display:flex;flex-direction:column;justify-content:center;gap:5px;width:32px;height:32px;border:0;background:0 0}.header__hamburger span{display:block;width:24px;height:2px;background:var(--c-text);transition:transform var(--t-base),opacity var(--t-base)}@media (min-width:1024px){.header__hamburger{display:none}}.header__hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.header__hamburger.open span:nth-child(2){opacity:0}.header__hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.nav{flex:1;display:none}@media (min-width:1024px){.nav{display:block;margin-left:var(--s-8)}}.nav__list{display:flex;align-items:center;justify-content:flex-end;gap:var(--s-1);flex-wrap:nowrap}.nav__item{position:relative;flex-shrink:0}.nav__link{display:inline-flex;align-items:center;gap:var(--s-1);padding:var(--s-2) var(--s-3);color:var(--c-text);font-weight:500;border-radius:var(--radius);transition:background var(--t-fast),color var(--t-fast);white-space:nowrap}.nav__link:hover{background:var(--c-bg-alt);color:var(--c-primary);text-decoration:none}.nav__link::after{content:"";display:inline-block;width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:4px solid currentColor;margin-left:var(--s-1);transition:transform var(--t-fast)}.nav__item--no-children .nav__link::after{display:none}.nav__dropdown{position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:var(--s-3);opacity:0;visibility:hidden;transform:translateY(-8px);transition:all var(--t-base);z-index:50}.nav__item:hover .nav__dropdown,.nav__item:focus-within .nav__dropdown{opacity:1;visibility:visible;transform:translateY(0)}.nav__item:hover .nav__link::after,.nav__item:focus-within .nav__link::after{transform:rotate(180deg)}.nav__dropdown a{display:block;padding:var(--s-2) var(--s-3);border-radius:var(--radius);color:var(--c-text);font-size:var(--fs-sm)}.nav__dropdown a:hover{background:var(--c-bg-alt);color:var(--c-primary);text-decoration:none}.menu-mobile{position:fixed;top:0;right:-100%;width:min(85%,360px);height:100vh;background:#fff;overflow-y:auto;z-index:99;transition:right var(--t-slow);box-shadow:var(--shadow-xl)}.menu-mobile.open{right:0}.menu-mobile__inner{padding:var(--s-16) var(--s-5) var(--s-8)}.menu-mobile__section{margin-bottom:var(--s-6)}.menu-mobile__title{font-size:var(--fs-sm);font-weight:600;color:var(--c-primary);text-transform:uppercase;letter-spacing:.05em;padding-bottom:var(--s-2);border-bottom:1px solid var(--c-border);margin-bottom:var(--s-3)}.menu-mobile__link{display:block;padding:var(--s-2)0;color:var(--c-text);font-weight:500}.menu-mobile__overlay{display:none;position:fixed;inset:0;background:rgba(26,58,92,.6);z-index:98;opacity:0;transition:opacity var(--t-base)}.menu-mobile__overlay.open{display:block;opacity:1}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s-2);padding:var(--s-3) var(--s-6);border-radius:var(--radius);font-weight:600;font-size:var(--fs-base);text-decoration:none;transition:all var(--t-fast);border:2px solid transparent;cursor:pointer;line-height:1.2}.btn:hover{text-decoration:none}.btn--primary{background:var(--c-primary);color:#fff}.btn--sm{padding:var(--s-2) var(--s-4);font-size:var(--fs-sm)}.btn--lg{padding:var(--s-4) var(--s-8);font-size:var(--fs-lg)}.btn--block{width:100%}.btn:disabled,.btn--disabled{background:#c3d4ec!important;border-color:#c3d4ec!important;color:#1a3a5c!important;opacity:1;cursor:not-allowed;pointer-events:none}.hero{position:relative;padding:var(--s-12)0 var(--s-16);overflow:clip;background:#fff}.hero__inner{display:grid;gap:var(--s-8);align-items:center}@media (min-width:1024px){.hero__inner{grid-template-columns:1.2fr 1fr;gap:var(--s-12)}}.hero__subtitle{font-size:var(--fs-lg);color:var(--c-text-muted);margin-bottom:var(--s-6)}.hero__bullets{margin-bottom:var(--s-6)}.hero__bullet{display:flex;align-items:flex-start;gap:var(--s-3);padding:var(--s-2)0;font-weight:500}.hero__bullet::before{content:"✓";display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;width:24px;height:24px;background:var(--c-success);color:#fff;border-radius:50%;font-size:var(--fs-sm);font-weight:700;margin-top:2px}.hero__ctas{display:flex;flex-wrap:wrap;gap:var(--s-3);margin-bottom:var(--s-6)}.hero__trust{display:flex;flex-wrap:wrap;gap:var(--s-3);font-size:var(--fs-sm);color:var(--c-text-muted);align-items:center}.hero__trust strong{color:var(--c-text)}@media (min-width:768px){.wizard{padding-top:60px}}.wizard__steps{display:flex;gap:var(--s-2);margin-bottom:var(--s-4)}.wizard__step{flex:1;height:6px;background:var(--c-border);border-radius:3px;transition:background var(--t-base)}.wizard__step.completed{background:var(--c-accent)}.wizard__title{font-size:var(--fs-xl);margin-bottom:var(--s-3);margin-top:0}.wizard__field{display:block;margin-bottom:var(--s-4);font-size:var(--fs-sm);font-weight:600;color:var(--c-text);line-height:1.4}.wizard__field>input,.wizard__field>select,.wizard__field>textarea,.wizard__input,.wizard__select{display:block;width:100%;margin-top:var(--s-2);padding:var(--s-3) var(--s-4);border:2px solid var(--c-border);border-radius:var(--radius);font-size:var(--fs-base);font-weight:400;color:var(--c-text);background:#fff;font-family:inherit;box-sizing:border-box;transition:border-color var(--t-fast),box-shadow var(--t-fast);-webkit-appearance:none;-moz-appearance:none;appearance:none}.wizard__field>input:focus,.wizard__field>select:focus,.wizard__field>textarea:focus,.wizard__input:focus,.wizard__select:focus{outline:0;border-color:var(--c-primary);box-shadow:0 0 0 3px rgba(26,58,92,.1)}.wizard__field>input::placeholder,.wizard__field>textarea::placeholder{color:var(--c-text-muted);opacity:.7;font-weight:400}.wizard__label{display:block;font-size:var(--fs-sm);font-weight:600;margin-bottom:var(--s-2);color:var(--c-text)}.wizard__help{display:block;font-size:var(--fs-sm);color:var(--c-text-muted);margin-top:var(--s-2)}.wizard__error{display:none;font-size:var(--fs-sm);color:var(--c-danger);margin-top:var(--s-2)}.wizard__error.show{display:block}.wizard__choices{display:grid;grid-template-columns:1fr 1fr;gap:var(--s-3)}.wizard__choice{padding:var(--s-4);border:2px solid var(--c-border);border-radius:var(--radius);background:#fff;font-weight:600;font-size:var(--fs-lg);transition:all var(--t-fast);text-align:center}.wizard__choice:hover{border-color:var(--c-primary);color:var(--c-primary)}.wizard__choice.selected{border-color:var(--c-primary);background:var(--c-primary);color:#fff}.wizard__checkbox{display:flex;align-items:flex-start;gap:var(--s-2);font-size:var(--fs-sm);color:var(--c-text-muted);cursor:pointer;font-weight:400;line-height:1.5;margin-bottom:var(--s-4)}.wizard__checkbox>input[type=checkbox]{display:inline-block;width:18px;height:18px;margin:3px 0 0 0;padding:0;border:1px solid var(--c-border);border-radius:3px;background:#fff;flex-shrink:0;-webkit-appearance:auto;-moz-appearance:auto;appearance:auto;box-shadow:none}.wizard__checkbox>input[type=checkbox]:focus{box-shadow:0 0 0 2px rgba(26,58,92,.2);border-color:var(--c-primary)}.wizard__actions{display:flex;justify-content:space-between;gap:var(--s-3);margin-top:var(--s-5)}.wizard__back{color:var(--c-text-muted);padding:var(--s-2) var(--s-3);font-weight:500}.wizard__back:hover{color:var(--c-primary);text-decoration:none}.wizard__back.hidden{visibility:hidden}.wizard__panel{display:none}.wizard__panel.active{display:block;animation:fadeIn .25s ease-out}@keyframes fadeIn{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.wizard__closing{font-size:var(--fs-sm);color:var(--c-text-muted);text-align:center;margin-top:var(--s-3)}.wizard__success{text-align:center;padding:var(--s-6) var(--s-4)}.wizard__success-icon{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;background:var(--c-success);color:#fff;border-radius:50%;font-size:var(--fs-3xl);margin-bottom:var(--s-4)}.benefits{display:grid;gap:var(--s-6)}@media (min-width:768px){.benefits{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.benefits{grid-template-columns:repeat(4,1fr)}}.benefit{padding:var(--s-6);background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);transition:transform var(--t-fast),box-shadow var(--t-fast)}.benefit:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.benefit__icon{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;background:var(--c-bg-alt);color:var(--c-primary);border-radius:var(--radius);margin-bottom:var(--s-4);font-size:var(--fs-2xl)}.benefit h3{font-size:var(--fs-lg);margin:0 0 var(--s-2)}.benefit p{color:var(--c-text-muted);margin:0;font-size:var(--fs-sm)}.compare{overflow-x:auto;border-radius:14px;box-shadow:0 4px 16px rgba(26,58,92,.06);border:1px solid #e2e8f0;margin:var(--s-6)0}.compare table{min-width:600px;width:100%;border-collapse:separate;border-spacing:0;background:#fff;font-size:14.5px}.compare th,.compare td{padding:18px 24px;text-align:left;border-bottom:1px solid #e2e8f0;vertical-align:top}.compare thead th{background:var(--c-primary);color:#fff;font-weight:700;font-size:15px;letter-spacing:0;text-transform:none}.compare tbody td{font-size:14.5px;line-height:1.55;color:var(--c-text-muted);background:#fff}.compare tbody td:first-child{background:#fafbfc;color:var(--c-primary);font-weight:600}.compare tr:last-child td{border-bottom:none}.compare .col-financia{background:linear-gradient(90deg,var(--c-accent-soft) 0%,#fff 100%);color:var(--c-primary);font-weight:500}.clusters{display:grid;gap:var(--s-8)}.cluster{padding:var(--s-6);background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg)}.cluster__title{font-size:var(--fs-xl);color:var(--c-primary);margin:0 0 var(--s-2)}.cluster__intro{color:var(--c-text-muted);margin-bottom:var(--s-4);font-size:var(--fs-sm)}.cluster__list{display:grid;gap:var(--s-2)}.cluster__list a{display:flex;align-items:center;gap:var(--s-2);padding:var(--s-3);border:1px solid var(--c-border);border-radius:var(--radius);color:var(--c-text);font-weight:500;transition:all var(--t-fast)}.cluster__list a::before{content:"→";color:var(--c-primary);font-weight:700;flex-shrink:0}.cluster__list a:hover{border-color:var(--c-primary);background:var(--c-bg-alt);text-decoration:none}.steps{counter-reset:step;display:grid;gap:var(--s-6)}@media (min-width:768px){.steps{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.steps{grid-template-columns:repeat(4,1fr)}}.step{position:relative;padding:var(--s-6) var(--s-5);background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);counter-increment:step}.step::before{content:counter(step);position:absolute;top:-16px;left:var(--s-5);display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;background:var(--c-primary);color:#fff;border-radius:50%;font-weight:700;font-size:var(--fs-base)}.step h3{font-size:var(--fs-lg);margin:var(--s-2)0 var(--s-2)}.step p{font-size:var(--fs-sm);color:var(--c-text-muted);margin:0}.faqs{display:grid;gap:var(--s-3)}.faq__q{width:100%;display:flex;justify-content:space-between;align-items:center;padding:var(--s-4) var(--s-5);font-size:var(--fs-base);font-weight:600;text-align:left;cursor:pointer;background:#fff;transition:background var(--t-fast)}.faq__q:hover{background:var(--c-bg-alt)}.faq__q::after{content:"+";font-size:var(--fs-2xl);font-weight:400;line-height:1;color:var(--c-primary);transition:transform var(--t-base);flex-shrink:0;margin-left:var(--s-3)}.faq.open .faq__q::after{transform:translateY(-50%)}.faq__a{max-height:0;overflow:hidden;transition:max-height var(--t-base);padding:0 var(--s-5)}.faq.open .faq__a{max-height:600px;padding:0 var(--s-5) var(--s-4)}.faq__a p{font-size:var(--fs-sm);color:var(--c-text-muted);line-height:1.7;margin:0}.reviews{display:grid;gap:var(--s-6)}@media (min-width:768px){.reviews{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.reviews{grid-template-columns:repeat(3,1fr)}}.review{padding:var(--s-5);background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);position:relative}.review__stars{color:var(--c-accent);font-size:var(--fs-lg);margin-bottom:var(--s-2)}.review__text{font-size:var(--fs-sm);color:var(--c-text-muted);font-style:italic;margin-bottom:var(--s-3);line-height:1.6}.review__author{font-size:var(--fs-sm);font-weight:600;color:var(--c-text)}.review__rating-summary{display:flex;align-items:center;gap:var(--s-3);margin-bottom:var(--s-6)}.review__rating-num{font-size:var(--fs-4xl);font-weight:700;color:var(--c-primary);line-height:1}.review__rating-meta{font-size:var(--fs-sm);color:var(--c-text-muted)}.team{display:grid;gap:var(--s-8)}@media (min-width:1024px){.team{grid-template-columns:1fr 1fr;align-items:center}}.team__photo{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg)}.team__photo img{width:100%;display:block;aspect-ratio:4/3;object-fit:cover}.team__bios h3{margin-top:var(--s-6)}.team__bios h3:first-child{margin-top:0}.team__bios>[data-cima-item]+[data-cima-item]{margin-top:var(--s-6)}.cima-hidden{display:none}.team__role{display:block;color:var(--c-primary);font-size:var(--fs-sm);font-weight:600;margin-bottom:var(--s-1)}.compliance{display:grid;gap:var(--s-6)}@media (min-width:768px){.compliance{grid-template-columns:repeat(2,1fr)}}@media (min-width:1024px){.compliance{grid-template-columns:repeat(3,1fr)}}.comp-item{padding:var(--s-5);background:#fff;border-left:4px solid var(--c-primary);border-radius:0 var(--radius) var(--radius)0;box-shadow:var(--shadow-sm)}.comp-item h4{font-size:var(--fs-base);color:var(--c-primary);margin:0 0 var(--s-2)}.comp-item p{font-size:var(--fs-sm);color:var(--c-text-muted);margin:0}.stats{display:grid;gap:var(--s-4);text-align:center}@media (min-width:768px){.stats{grid-template-columns:repeat(3,1fr)}}.stat__num{font-size:var(--fs-5xl);font-weight:700;color:var(--c-primary);line-height:1;letter-spacing:-.02em}.stat__label{font-size:var(--fs-sm);color:var(--c-text-muted);font-weight:500;margin-top:var(--s-2)}.cta-banner{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;padding:var(--s-12)0;text-align:center}.cta-banner h2{color:#fff;margin:0 0 var(--s-3)}.cta-banner p{color:rgba(255,255,255,.95);font-size:var(--fs-lg);margin-bottom:var(--s-5);max-width:680px;margin-left:auto;margin-right:auto}.cta-banner .flex-center{display:flex;gap:var(--s-3);justify-content:center;align-items:center;flex-wrap:wrap}.cta-banner .btn--primary{background:#fff!important;color:var(--c-primary-dark)!important;font-weight:700;border:2px solid #fff;box-shadow:0 4px 14px rgba(0,0,0,.18)}.cta-banner .btn--primary:hover{background:var(--c-accent)!important;color:#fff!important;border-color:var(--c-accent);transform:translateY(-2px)}.cta-banner .btn--whatsapp{background:#0e7a52!important;color:#fff!important;font-weight:700;border:2px solid #0e7a52;box-shadow:0 4px 14px rgba(0,0,0,.18)}.cta-banner .btn--whatsapp:hover{background:#0c6b47!important;border-color:#0c6b47;color:#fff!important;transform:translateY(-2px)}.contacto-card{max-width:560px;margin:var(--s-6) auto 0;background:#fff;border-radius:var(--radius-lg);padding:var(--s-6);box-shadow:var(--shadow-lg);text-align:left;color:var(--c-text)}#contacto-form .wizard__field{margin-bottom:var(--s-4)}#contacto-form textarea.wizard__input{min-height:110px;resize:vertical;line-height:1.5;font-family:"Inter",sans-serif}.contacto-card .wizard__check{color:var(--c-text);font-size:var(--fs-sm);line-height:1.5}.contacto-card .wizard__lopd{color:var(--c-text-muted);font-size:var(--fs-xs);line-height:1.5;margin-top:var(--s-2)}.contacto-card .wizard__check a,.contacto-card .wizard__lopd a{color:var(--c-accent-dark)}.contacto-card .wizard__actions{justify-content:center}.cta-banner .contacto-card .btn--primary{background:var(--c-primary)!important;color:#fff!important;border:2px solid var(--c-primary)!important;box-shadow:none}.cta-banner .contacto-card .btn--primary:hover{background:var(--c-primary-dark)!important;border-color:var(--c-primary-dark)!important;color:#fff!important}.contacto-form__success{text-align:center;padding:var(--s-4)0}.contacto-form__success h3{color:var(--c-primary);margin:0 0 var(--s-2)}.contacto-card .contacto-form__success p{color:var(--c-text)}.contacto-form__success a{color:var(--c-accent-dark)}.press-logos{display:flex;flex-wrap:wrap;gap:var(--s-6);align-items:center;justify-content:center;opacity:.7}.press-logos a{display:inline-block;color:var(--c-text-muted);font-weight:600;font-size:var(--fs-sm);text-decoration:none;padding:var(--s-2) var(--s-3);border:1px solid var(--c-border);border-radius:var(--radius);transition:all var(--t-fast)}.press-logos a:hover{border-color:var(--c-primary);color:var(--c-primary);opacity:1}.def-lead p{margin:0;font-size:var(--fs-lg);line-height:1.6}.def-lead p:not(:last-child){margin-bottom:var(--s-3)}.quick-answer p{margin:0}.ficha{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);overflow:hidden;margin:var(--s-6)0}.ficha__head{background:var(--c-primary);color:#fff;padding:var(--s-3) var(--s-5);font-weight:600;font-size:var(--fs-sm);text-transform:uppercase;letter-spacing:.05em}.ficha__body{padding:var(--s-4) var(--s-5)}.ficha__row{display:flex;justify-content:space-between;align-items:center;padding:var(--s-2)0;border-bottom:1px solid var(--c-border);gap:var(--s-3)}.ficha__row:last-child{border-bottom:none}.ficha__label{font-size:var(--fs-sm);color:var(--c-text-muted)}.ficha__value{font-weight:600;color:var(--c-text);text-align:right}.notice{padding:var(--s-4) var(--s-5);border-radius:var(--radius);margin:var(--s-4)0;background:rgba(11,77,162,.08);border-left:4px solid var(--c-accent);font-size:var(--fs-sm)}.notice--info{background:rgba(26,58,92,.06);border-color:var(--c-primary)}.notice strong{color:var(--c-text)}.footer{background:var(--c-bg-dark);color:rgba(255,255,255,.8);padding:var(--s-16)0 var(--s-6)}.footer a{color:rgba(255,255,255,.8)}.footer a:hover{color:#fff;text-decoration:underline}.footer__grid{display:grid;gap:var(--s-8)}@media (min-width:768px){.footer__grid{grid-template-columns:repeat(3,1fr)}}.footer__col h4{color:#fff;font-size:var(--fs-base);margin:0 0 var(--s-4)}.footer__col ul{display:grid;gap:var(--s-2)}.footer__col li{font-size:var(--fs-sm)}.footer__contact{font-size:var(--fs-sm);line-height:1.8}.footer__contact strong{color:#fff;display:block}.footer__compliance{margin-top:var(--s-10);padding-top:var(--s-6);border-top:1px solid rgba(255,255,255,.15);font-size:var(--fs-sm);color:rgba(255,255,255,.85);text-align:center;line-height:1.6}.footer__compliance p{margin:var(--s-2)0;color:rgba(255,255,255,.85)}.footer__compliance strong,.footer__compliance b{color:#fff;font-weight:700}.footer__compliance a{color:#fff;text-decoration:underline;font-weight:500}.footer__compliance a:hover{color:var(--c-accent)}.footer__bottom{text-align:center;padding-top:var(--s-5);margin-top:var(--s-5);border-top:1px solid rgba(255,255,255,.15);font-size:var(--fs-sm);color:rgba(255,255,255,.7)}.footer__bottom a{margin:0 var(--s-2)}.footer__badges{display:flex;flex-wrap:wrap;gap:var(--s-3);justify-content:center;margin-bottom:var(--s-4)}.footer__badge{padding:var(--s-2) var(--s-3);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);font-size:var(--fs-xs);font-weight:600;color:#fff}.text-center{text-align:center}.text-muted{color:var(--c-text-muted)}.mt-0{margin-top:0!important}.mb-0{margin-bottom:0!important}.mt-4{margin-top:var(--s-4)}.mt-8{margin-top:var(--s-8)}.mb-4{margin-bottom:var(--s-4)}.mb-8{margin-bottom:var(--s-8)}.gap-3{gap:var(--s-3)}.gap-4{gap:var(--s-4)}.flex{display:flex;flex-wrap:wrap;gap:var(--s-3)}.flex-center{display:flex;align-items:center;justify-content:center;gap:var(--s-3);flex-wrap:wrap}@media (max-width:560px){.flex-center{flex-direction:column;align-items:stretch;gap:var(--s-3)}.flex-center .btn{width:100%;min-height:52px;font-size:var(--fs-base);justify-content:center}.cta-banner .btn--primary,.cta-banner .btn--whatsapp,.guide-cta-final .btn--primary,.guide-cta-final .btn--whatsapp{width:100%;padding:var(--s-4) var(--s-4);min-height:56px}}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.breadcrumbs{font-size:var(--fs-sm);color:var(--c-text-muted);margin-bottom:var(--s-4)}.breadcrumbs a{color:var(--c-text-muted)}.breadcrumbs a:hover{color:var(--c-primary)}.breadcrumbs span{margin:0 var(--s-2);color:var(--c-text-light)}.article{max-width:820px;margin:0 auto}.article p{font-size:var(--fs-base);line-height:1.7}.article ul:not(.takeaways):not(.hero__bullets):not(.cluster__list):not(.checklist):not(.cluster-card__bullets):not(.bullet-box):not(.cluster-card__items):not(.card__items):not(.nav__list):not(.menu-mobile__inner ul):not(.compare-card ul){padding-left:var(--s-6);margin-bottom:var(--s-4);list-style:disc}.article ul li{margin-bottom:var(--s-2)}.article ol{padding-left:var(--s-6);margin-bottom:var(--s-4)}.article h2{padding-top:var(--s-8);margin-top:var(--s-8);border-top:1px solid var(--c-border)}.article h2:first-child{padding-top:0;border-top:none;margin-top:0}.article a{text-decoration:underline}.last-updated{font-size:var(--fs-sm);color:var(--c-text-muted);padding-top:var(--s-6);border-top:1px solid var(--c-border);margin-top:var(--s-8)}.callout{padding:var(--s-5) var(--s-6);border-radius:var(--radius-lg);margin:var(--s-6)0;display:flex;gap:var(--s-4);align-items:flex-start}.callout__icon{flex-shrink:0;font-size:var(--fs-2xl);line-height:1}.callout__body{flex:1}.callout__body p:last-child{margin-bottom:0}.callout--info{background:rgba(26,58,92,.06);border-left:4px solid var(--c-primary)}.callout--info .callout__icon{color:var(--c-primary)}.callout--success{background:rgba(22,163,74,.06);border-left:4px solid var(--c-success)}.callout--success .callout__icon{color:var(--c-success)}.callout--warning{background:rgba(11,77,162,.06);border-left:4px solid var(--c-accent)}.callout--warning .callout__icon{color:var(--c-accent)}.callout--danger{background:rgba(220,38,38,.06);border-left:4px solid var(--c-danger)}.callout--danger .callout__icon{color:var(--c-danger)}.callout--brand{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;border-left:none}.callout--brand h3,.callout--brand h4{color:#fff;margin-top:0}.callout--brand a{color:#fff;text-decoration:underline}.bullet-box{background:var(--c-bg-alt);border-radius:var(--radius-lg);padding:var(--s-6);margin:var(--s-6)0}.bullet-box h3{margin-top:0;color:var(--c-primary);font-size:var(--fs-xl)}.bullet-box ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:minmax(0,1fr);gap:var(--s-2)}.bullet-box li{display:block;position:relative;padding:var(--s-2) 0 var(--s-2) calc(24px + var(--s-3));font-size:var(--fs-base);line-height:1.6}.bullet-box li::before{content:"";display:inline-flex;flex-shrink:0;width:24px;height:24px;background:var(--c-primary);color:#fff;border-radius:50%;justify-content:center;align-items:center;font-size:var(--fs-xs);font-weight:700;position:absolute;left:0;top:calc(var(--s-2) + 2px);background-image:radial-gradient(circle,var(--c-primary) 30%,transparent 30%)}.bullet-box--success{background:rgba(22,163,74,.06)}.bullet-box--success h3{color:var(--c-success)}.bullet-box--success li::before{background:var(--c-success)}.bullet-box--accent{background:rgba(11,77,162,.06)}.bullet-box--accent h3{color:var(--c-accent-dark)}.bullet-box--accent li::before{background:var(--c-accent)}.bullet-box--check li::before{content:"✓";background:var(--c-success);color:#fff;font-weight:700;font-size:var(--fs-sm)}.bullet-box--cross li::before{content:"✗";background:var(--c-danger);color:#fff;font-weight:700;font-size:var(--fs-sm)}.bullet-box--arrow li::before{content:"→";background:var(--c-primary);color:#fff;font-weight:700;font-size:var(--fs-sm)}.pull-quote{padding:var(--s-6) var(--s-8);border-radius:var(--radius-lg);background:linear-gradient(135deg,rgba(26,58,92,.04)0,rgba(26,58,92,.08) 100%);border-left:4px solid var(--c-primary);font-size:var(--fs-xl);font-style:italic;line-height:1.6;color:var(--c-text);margin:var(--s-8)0;position:relative}.pull-quote::before{content:'"';position:absolute;top:-8px;left:var(--s-4);font-size:var(--fs-6xl);color:var(--c-primary);opacity:.2;font-family:serif;line-height:1}.pull-quote cite{display:block;font-size:var(--fs-sm);font-style:normal;color:var(--c-text-muted);margin-top:var(--s-3);font-weight:600}.stat-inline{display:inline-flex;flex-direction:column;align-items:center;padding:var(--s-3) var(--s-4);background:var(--c-bg-alt);border-radius:var(--radius);margin:var(--s-1)}.stat-inline__num{font-size:var(--fs-2xl);font-weight:700;color:var(--c-primary);line-height:1}.stat-inline__lbl{font-size:var(--fs-xs);color:var(--c-text-muted);margin-top:var(--s-1);text-transform:uppercase;letter-spacing:.05em}.divider{display:flex;align-items:center;gap:var(--s-4);margin:var(--s-12)0 var(--s-6)}.divider::before,.divider::after{content:"";flex:1;height:1px;background:var(--c-border)}.divider__text{color:var(--c-text-muted);font-size:var(--fs-sm);font-weight:600;text-transform:uppercase;letter-spacing:.1em}.two-col{display:grid;gap:var(--s-6);margin:var(--s-6)0}@media (min-width:768px){.two-col{grid-template-columns:1fr 1fr}}.img-card{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);margin:var(--s-6)0}.img-card img{width:100%;display:block}.img-card__caption{padding:var(--s-3) var(--s-4);background:var(--c-bg-alt);font-size:var(--fs-sm);color:var(--c-text-muted);text-align:center}.chip{display:inline-flex;align-items:center;gap:var(--s-1);padding:var(--s-1) var(--s-3);background:rgba(26,58,92,.08);color:var(--c-primary);border-radius:999px;font-size:var(--fs-xs);font-weight:600;text-transform:uppercase;letter-spacing:.03em}.chip--success{background:rgba(22,163,74,.1);color:var(--c-success)}.chip--accent{background:rgba(11,77,162,.12);color:var(--c-accent-dark)}.big-list{counter-reset:bigl;display:grid;gap:var(--s-6);margin:var(--s-6)0}.big-list__item{display:flex;gap:var(--s-5);align-items:flex-start;padding:var(--s-5);background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);counter-increment:bigl}.big-list__item::before{content:counter(bigl);flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;background:var(--c-primary);color:#fff;border-radius:50%;font-size:var(--fs-xl);font-weight:700}.big-list__body h4{margin:0 0 var(--s-2);font-size:var(--fs-lg)}.big-list__body p{margin:0;color:var(--c-text-muted);font-size:var(--fs-sm)}.wizard--promotor .wizard__choice{font-size:var(--fs-sm);padding:var(--s-3);text-align:left}.wizard--promotor .wizard__choices{grid-template-columns:1fr 1fr;gap:var(--s-2)}@media (min-width:520px){.wizard--promotor .wizard__choices{grid-template-columns:repeat(2,1fr)}}.guide-hero{position:relative;background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 65%,#06243e 100%);color:#fff;padding:var(--s-12)0 var(--s-10);overflow:hidden}.guide-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 20% 30%,rgba(11,77,162,.18)0,transparent 40%),radial-gradient(circle at 80% 70%,rgba(30,111,184,.25)0,transparent 45%);pointer-events:none}.guide-hero .container{position:relative;z-index:1}.guide-hero__eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.12);backdrop-filter:blur(8px);padding:var(--s-2) var(--s-4);border-radius:999px;font-size:var(--fs-sm);font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#9fc1ee;margin-bottom:var(--s-5)}.guide-hero h1{font-size:clamp(2rem,4.4vw,3.5rem);line-height:1.15;margin:0 0 var(--s-4);color:#fff;max-width:900px}.guide-hero__lede{font-size:var(--fs-xl);max-width:780px;color:rgba(255,255,255,.92);margin:0 0 var(--s-6)}.guide-hero__meta{display:flex;flex-wrap:wrap;gap:var(--s-3);font-size:var(--fs-sm);color:rgba(255,255,255,.85)}.guide-hero__meta span{background:rgba(255,255,255,.1);padding:var(--s-2) var(--s-4);border-radius:8px;border:1px solid rgba(255,255,255,.15)}.guide-layout{display:grid;grid-template-columns:1fr;gap:var(--s-6);max-width:1200px;margin:0 auto;padding:var(--s-10) var(--s-4)}@media (min-width:1024px){.guide-layout{grid-template-columns:260px 1fr;gap:var(--s-8);padding:var(--s-10) var(--s-6)}}.guide-toc{display:none}@media (min-width:1024px){.guide-toc{display:block;position:sticky;top:120px;align-self:start;max-height:calc(100vh - 140px);overflow-y:auto;background:var(--c-bg-alt);border-radius:var(--radius-lg);padding:var(--s-5);font-size:var(--fs-sm)}}.guide-toc h3{margin:0 0 var(--s-4);color:var(--c-primary);font-size:var(--fs-base);text-transform:uppercase;letter-spacing:.05em}.guide-toc ol{list-style:none;padding:0;margin:0;counter-reset:toc}.guide-toc li{margin:0;padding:0;counter-increment:toc;border-left:2px solid transparent;padding-left:var(--s-3);transition:all .2s ease}.guide-toc li:hover{border-left-color:var(--c-accent)}.guide-toc li::before{content:counter(toc,decimal-leading-zero);font-weight:700;color:var(--c-accent);margin-right:var(--s-2);font-size:var(--fs-xs)}.guide-toc a{color:var(--c-text);display:inline-block;padding:var(--s-2)0;line-height:1.35}.guide-toc a:hover{color:var(--c-primary);text-decoration:none}.cluster-grid{display:grid;grid-template-columns:1fr;gap:var(--s-5);margin:var(--s-8)0}@media (min-width:640px){.cluster-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:960px){.cluster-grid{grid-template-columns:repeat(3,1fr)}}.cluster-card{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius-lg);padding:var(--s-6);transition:all .25s ease;position:relative;overflow:hidden}.cluster-card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--c-primary);transition:height .25s ease}.cluster-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--c-primary-light)}.cluster-card:hover::before{height:6px}.cluster-card--accent::before{background:var(--c-accent)}.cluster-card--success::before{background:var(--c-success)}.cluster-card--danger::before{background:var(--c-danger)}.cluster-card__num{font-size:3rem;font-weight:800;color:var(--c-primary);line-height:1;margin-bottom:var(--s-3);opacity:.15}.cluster-card--accent .cluster-card__num{color:var(--c-accent)}.cluster-card--success .cluster-card__num{color:var(--c-success)}.cluster-card--danger .cluster-card__num{color:var(--c-danger)}.cluster-card p{margin:0 0 var(--s-3);font-size:var(--fs-base);color:var(--c-text-muted);line-height:1.55}.cluster-card a:not(.btn){font-weight:600;font-size:var(--fs-sm);color:var(--c-primary)}.cluster-card a.btn{text-transform:none;letter-spacing:normal;font-size:var(--fs-base)}.cluster-card a.btn--primary{background:var(--c-primary)!important;color:#fff!important;padding:var(--s-3) var(--s-5);border-radius:var(--radius);box-shadow:0 4px 12px rgba(26,58,92,.18);display:inline-flex;align-items:center;gap:var(--s-2);font-weight:700}.cluster-card a.btn--primary:hover{background:var(--c-primary-dark)!important;color:#fff!important;transform:translateY(-2px);box-shadow:0 6px 18px rgba(26,58,92,.25)}.big-stat{display:grid;grid-template-columns:1fr;gap:var(--s-4);background:linear-gradient(135deg,var(--c-bg-alt) 0%,#fff 100%);border-radius:var(--radius-lg);padding:var(--s-6);margin:var(--s-6)0;border-left:4px solid var(--c-accent)}@media (min-width:640px){.big-stat{grid-template-columns:auto 1fr;align-items:center}}.big-stat__num{font-size:clamp(2.4rem,5vw,4rem);font-weight:800;color:var(--c-primary);line-height:1;letter-spacing:-.02em}.big-stat__txt{font-size:var(--fs-lg);color:var(--c-text);line-height:1.45}.big-stat__txt strong{color:var(--c-primary-dark)}.stat-triplet{display:grid;grid-template-columns:1fr;gap:var(--s-4);margin:var(--s-6)0}@media (max-width:640px){.stat-triplet{grid-template-columns:1fr}}.timeline{position:relative;padding-left:56px;margin:var(--s-8)0;counter-reset:timeline;list-style:none}.timeline::before{content:"";position:absolute;left:19px;top:20px;bottom:20px;width:2px;background:linear-gradient(180deg,var(--c-accent-dark) 0%,var(--c-accent) 100%);border-radius:2px;z-index:0}.timeline__item{position:relative;margin-bottom:var(--s-8);padding-bottom:0}.timeline__item::before{content:counter(timeline);counter-increment:timeline;position:absolute;left:-56px;top:0;width:40px;height:40px;background:#fff;border:2px solid var(--c-accent-dark);color:var(--c-accent-dark);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:var(--fs-base);box-shadow:0 0 0 4px #fff;z-index:1}.timeline__item h3{margin:0 0 var(--s-2);font-size:var(--fs-lg);color:var(--c-primary);font-weight:700}.timeline__item p{margin:0;color:var(--c-text-muted);line-height:1.55}.timeline__item:last-child{margin-bottom:0}@media (max-width:540px){.timeline{padding-left:48px}.timeline__item::before{left:-48px;width:36px;height:36px;font-size:var(--fs-sm)}.timeline::before{left:17px}}.guide-divider{margin:var(--s-12)0 var(--s-8);text-align:center;position:relative}.guide-divider::before{content:"";position:absolute;left:0;right:0;top:50%;height:1px;background:var(--c-border);z-index:0}.guide-divider span{position:relative;z-index:1;background:#fff;padding:var(--s-2) var(--s-6);border:2px solid var(--c-primary);border-radius:999px;font-size:var(--fs-sm);font-weight:700;color:var(--c-primary);text-transform:uppercase;letter-spacing:.08em}.compare-grid{display:grid;grid-template-columns:1fr;gap:var(--s-5);margin:var(--s-6)0}@media (min-width:760px){.compare-grid{grid-template-columns:1fr 1fr}}.compare-card{padding:var(--s-6);border-radius:var(--radius-lg);border:2px solid;position:relative}.compare-card--neg{background:rgba(220,38,38,.04);border-color:rgba(220,38,38,.25)}.compare-card--pos{background:rgba(26,58,92,.04);border-color:var(--c-primary)}.compare-card h3{margin:0 0 var(--s-4);font-size:var(--fs-xl)}.compare-card--neg h3{color:var(--c-danger)}.compare-card--pos h3{color:var(--c-primary)}.compare-card ul{list-style:none;padding:0;margin:0;display:grid;gap:var(--s-3)}.compare-card li{padding-left:1.8rem;position:relative;font-size:var(--fs-base);line-height:1.55}.compare-card--neg li::before{content:"✗";position:absolute;left:var(--s-2);top:-2px;font-weight:800;font-size:var(--fs-lg);color:var(--c-danger)}.compare-card--pos li::before{content:"✓";position:absolute;left:var(--s-2);top:-2px;font-weight:800;font-size:var(--fs-lg);color:var(--c-success)}.guide-body h2{margin:var(--s-10)0 var(--s-5);padding-bottom:var(--s-3);border-bottom:3px solid var(--c-accent);max-width:fit-content}.guide-body h3{margin:var(--s-8)0 var(--s-3)}.guide-body h4{margin:var(--s-6)0 var(--s-2)}.guide-body p{font-size:var(--fs-lg);line-height:1.7;color:var(--c-text);margin:0 0 var(--s-4)}.guide-body ul,.guide-body ol{font-size:var(--fs-lg);line-height:1.7}.guide-body blockquote{border-left:4px solid var(--c-accent);padding:var(--s-4) var(--s-6);margin:var(--s-6)0;background:var(--c-bg-alt);border-radius:0 var(--radius-md) var(--radius-md)0;font-size:var(--fs-lg);font-style:italic;color:var(--c-text)}.guide-body table{width:100%;border-collapse:collapse;margin:var(--s-6)0;font-size:var(--fs-base)}.guide-body table th{background:var(--c-primary);color:#fff;padding:var(--s-3) var(--s-4);text-align:left;font-weight:700}.guide-body table td{padding:var(--s-3) var(--s-4);border-bottom:1px solid var(--c-border)}.guide-body table tr:nth-child(even){background:var(--c-bg-alt)}.vs-table-wrap{max-width:1040px;margin:0 auto;overflow-x:auto;border-radius:14px;box-shadow:0 4px 16px rgba(26,58,92,.06);border:1px solid #e2e8f0}.vs-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;font-size:14.5px}.vs-table thead th{padding:22px 24px;text-align:left;font-weight:700;font-size:15px;letter-spacing:0;color:#fff;background:var(--c-primary)}.vs-table__col-feat{width:26%}.vs-table__col-neg{width:37%}.vs-table__col-pos{width:37%;background:var(--c-primary-dark)!important;position:relative}.vs-table__col-pos::after{content:"";position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--c-accent-dark),var(--c-accent))}.vs-table tbody th{text-align:left;font-weight:600;color:var(--c-primary);padding:18px 24px;background:#fafbfc;border-bottom:1px solid #e2e8f0;width:26%;font-size:14px;vertical-align:top}.vs-table tbody td{padding:18px 24px;border-bottom:1px solid #e2e8f0;vertical-align:top;font-size:14.5px;line-height:1.55;color:var(--c-text-muted);background:#fff}.vs-table tbody td:last-child{background:linear-gradient(90deg,var(--c-accent-soft) 0%,#fff 100%);color:var(--c-primary);font-weight:500}.vs-table tbody tr:last-child th,.vs-table tbody tr:last-child td{border-bottom:none}.vs-table tbody td strong,.vs-table tbody td:last-child strong{color:var(--c-primary);font-weight:600}.vs-ok,.vs-x{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;font-weight:700;font-size:12px;margin-right:6px;vertical-align:middle}.vs-ok{background:var(--c-success);color:#fff}.vs-x{background:#b91c1c;color:#fff}@media (max-width:768px){.vs-table-wrap{border-radius:10px}.vs-table thead{display:none}.vs-table,.vs-table tbody,.vs-table tr,.vs-table th,.vs-table td{display:block;width:100%}.vs-table tbody tr{margin-bottom:var(--s-4);border:1px solid #e2e8f0;border-radius:8px;overflow:hidden;background:#fff}.vs-table tbody tr:last-child{margin-bottom:0}.vs-table tbody th{background:var(--c-primary);color:#fff;border-bottom:none;padding:12px 16px;font-size:13px;font-weight:600;width:100%}.vs-table tbody td{border-bottom:1px solid #f1f5f9;padding:14px 16px 14px 100px;position:relative;min-height:48px;font-size:14px;line-height:1.5;background:#fff}.vs-table tbody td:last-child{background:linear-gradient(90deg,var(--c-accent-soft) 0%,#fff 100%);border-bottom:none}.vs-table tbody td:nth-child(2)::before{content:"Banca";position:absolute;left:16px;top:14px;font-weight:600;color:var(--c-text-muted);font-size:12px}.vs-table tbody td:nth-child(3)::before{content:"Financia-T";position:absolute;left:16px;top:14px;font-weight:700;color:var(--c-accent-dark);font-size:12px}}.section--narrow{padding:var(--s-6)0}.toc-inline{background:linear-gradient(135deg,rgba(26,58,92,.04)0,rgba(30,111,184,.06) 100%);border:1px solid rgba(26,58,92,.18);border-left:5px solid var(--c-primary);border-radius:var(--radius-lg);padding:0;overflow:hidden;max-width:880px;margin:0 auto}.toc-inline>summary{list-style:none;padding:var(--s-4) var(--s-5);cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:var(--s-4);background:0 0}.toc-inline>summary::-webkit-details-marker{display:none}.toc-inline>summary::after{content:"▾";font-size:1.2em;color:var(--c-primary);transition:transform .2s ease}.toc-inline[open]>summary::after{transform:rotate(180deg)}.toc-inline__label{font-weight:700;font-size:var(--fs-lg);color:var(--c-primary-dark)}.toc-inline__count{font-size:var(--fs-sm);color:var(--c-text-muted);background:rgba(26,58,92,.08);padding:2px 10px;border-radius:999px}.toc-inline__list{list-style:none;counter-reset:tocn;padding:var(--s-3) var(--s-5) var(--s-5);margin:0;display:grid;gap:var(--s-2);column-count:1}@media (min-width:760px){.toc-inline__list{grid-template-columns:repeat(2,1fr)}}.toc-inline__list li{counter-increment:tocn;padding:var(--s-2);border-radius:6px;transition:background .15s ease}.toc-inline__list li:hover{background:rgba(26,58,92,.06)}.toc-inline__list li::before{content:counter(tocn,decimal-leading-zero);font-weight:800;color:var(--c-accent);margin-right:var(--s-3);font-size:var(--fs-sm)}.toc-inline__list a{color:var(--c-text);font-weight:500;line-height:1.4;font-size:var(--fs-base)}.toc-inline__list a:hover{color:var(--c-primary);text-decoration:none}.guide-body h2.h2--accent,article h2.h2--accent,.article h2.h2--accent{border-left:6px solid var(--c-accent);padding-left:var(--s-4);background:linear-gradient(90deg,rgba(11,77,162,.12)0,transparent 100%)}.cta-mid{padding:var(--s-4)0}.cta-mid__card{display:flex;align-items:center;justify-content:space-between;gap:var(--s-5);background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-light) 100%);color:#fff;border-radius:var(--radius-lg);padding:var(--s-6) 1.8rem;box-shadow:0 6px 24px rgba(26,58,92,.18);flex-wrap:wrap;max-width:1040px;margin:0 auto}.cta-mid__title{margin:0 0 var(--s-2);color:#fff;font-size:var(--fs-xl);font-weight:700}.cta-mid__sub{margin:0;color:rgba(255,255,255,.92);font-size:var(--fs-base)}.cta-mid__actions{display:flex;gap:var(--s-3);align-items:center;flex-wrap:wrap}.cta-mid__actions .btn--primary{background:#fff!important;color:var(--c-primary-dark)!important;font-weight:700;border:2px solid #fff}.cta-mid__actions .btn--primary:hover{background:var(--c-accent)!important;color:#fff!important;border-color:var(--c-accent)}.cta-mid__actions .btn--whatsapp{background:#0e7a52!important;color:#fff!important;border:2px solid #0e7a52}.cta-mid__actions .btn--whatsapp:hover{background:#0c6b47!important;border-color:#0c6b47}.legal-hero{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;padding:var(--s-12)0 var(--s-10);position:relative;overflow:hidden}.legal-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 20% 30%,rgba(11,77,162,.12)0,transparent 40%);pointer-events:none}.legal-hero .container{position:relative;z-index:1}.legal-hero__eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.14);backdrop-filter:blur(8px);padding:var(--s-2) var(--s-4);border-radius:999px;font-size:var(--fs-sm);font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#dbe7f8;margin-bottom:var(--s-4)}.legal-hero h1{font-size:clamp(2rem,4vw,3rem);line-height:1.2;margin:0 0 var(--s-4);color:#fff}.legal-hero__meta{display:flex;gap:var(--s-4);flex-wrap:wrap;font-size:var(--fs-sm);color:rgba(255,255,255,.85)}.legal-hero__meta span{background:rgba(255,255,255,.1);padding:var(--s-2) var(--s-4);border-radius:6px;border:1px solid rgba(255,255,255,.15)}.legal-layout{max-width:var(--container);margin:0 auto;padding:var(--s-10) 32px}@media (min-width:1024px){.legal-layout{display:grid;grid-template-columns:260px 1fr;gap:var(--s-10);padding:var(--s-10) 32px}}.legal-toc{display:none}@media (min-width:1024px){.legal-toc{display:block;position:sticky;top:120px;align-self:start;max-height:calc(100vh - 160px);overflow-y:auto;background:var(--c-bg-alt);border-radius:var(--radius-lg);padding:var(--s-5);font-size:var(--fs-sm)}}.legal-toc h3{margin:0 0 var(--s-4);color:var(--c-primary);font-size:var(--fs-base);text-transform:uppercase;letter-spacing:.05em;font-weight:700}.legal-toc ol{list-style:none;counter-reset:ltoc;padding:0;margin:0}.legal-toc li{counter-increment:ltoc;padding:0;margin:0;border-left:2px solid transparent;padding-left:var(--s-3);transition:all .15s ease}.legal-toc li:hover{border-left-color:var(--c-accent)}.legal-toc li::before{content:counter(ltoc,decimal-leading-zero);font-weight:700;color:var(--c-accent);margin-right:var(--s-2);font-size:var(--fs-xs)}.legal-toc a{color:var(--c-text);display:inline-block;padding:var(--s-2)0;line-height:1.35}.legal-toc a:hover{color:var(--c-primary);text-decoration:none}.legal-body{max-width:920px;font-size:var(--fs-base);line-height:1.75;color:var(--c-text)}.legal-body>.legal-body__intro{background:var(--c-bg-alt);border-left:4px solid var(--c-primary);border-radius:0 var(--radius) var(--radius)0;padding:var(--s-4) var(--s-5);margin:0 0 var(--s-8);font-size:var(--fs-base);color:var(--c-text)}.legal-body h2{font-size:clamp(1.4rem,2.4vw,1.8rem);color:var(--c-primary-dark);margin:var(--s-10)0 var(--s-4);padding-bottom:var(--s-3);border-bottom:2px solid var(--c-accent);max-width:fit-content;scroll-margin-top:100px}.legal-body h2:first-child{margin-top:0}.legal-body h3{font-size:var(--fs-xl);color:var(--c-primary);margin:var(--s-6)0 var(--s-3);font-weight:600}.legal-body p{margin:0 0 var(--s-4)}.legal-body ul,.legal-body ol{margin:var(--s-3)0 var(--s-5);padding-left:var(--s-6)}.legal-body li{margin:0 0 var(--s-2);line-height:1.7}.legal-body strong{color:var(--c-primary-dark);font-weight:600}.legal-body a{color:var(--c-primary);text-decoration:underline;text-underline-offset:2px}.legal-body a:hover{color:var(--c-accent-dark)}.legal-body table{width:100%;border-collapse:collapse;margin:var(--s-5)0;border-radius:var(--radius);overflow:hidden;box-shadow:0 2px 12px rgba(26,58,92,.08)}.legal-body table th{background:var(--c-primary);color:#fff;padding:var(--s-3) var(--s-4);text-align:left;font-weight:700;font-size:var(--fs-sm)}.legal-body table td{padding:var(--s-3) var(--s-4);border-bottom:1px solid var(--c-border);vertical-align:top;font-size:var(--fs-sm);line-height:1.5}.legal-body table tr:nth-child(even){background:var(--c-bg-alt)}.legal-body table tr:last-child td{border-bottom:none}.legal-body__card{background:#fff;border:1px solid var(--c-border);border-left:4px solid var(--c-accent);border-radius:var(--radius);padding:var(--s-5) var(--s-6);margin:var(--s-5)0;font-size:var(--fs-base)}.legal-body__card h3{margin-top:0;color:var(--c-accent-dark)}.guide-cta-final{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);color:#fff;border-radius:var(--radius-lg);padding:var(--s-10) var(--s-6);margin:var(--s-10)0;text-align:center}.guide-cta-final h2{color:#fff;border:0;font-size:clamp(1.6rem,3vw,2.2rem);margin:0 0 var(--s-4);max-width:100%}.guide-cta-final p{color:rgba(255,255,255,.92);font-size:var(--fs-xl);max-width:660px;margin:0 auto var(--s-6)}.guide-cta-final .btn--primary{background:var(--c-accent);color:#fff}.guide-cta-final .btn--primary:hover{background:var(--c-accent-dark)}.checklist{list-style:none;padding:0;margin:var(--s-5)0;display:grid;gap:var(--s-3)}.checklist li{position:relative;padding:var(--s-2)0 var(--s-2) 2.6rem;font-size:var(--fs-base);line-height:1.7;color:var(--c-text)}.checklist li::before{content:"✓";position:absolute;left:0;top:.5em;width:26px;height:26px;background:var(--c-success);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:var(--fs-sm);line-height:1}.checklist li strong{color:var(--c-primary)}.checklist--cross li::before{content:"✗";background:var(--c-danger)}.checklist--arrow li::before{content:"→";background:var(--c-primary)}.checklist--num{counter-reset:check-num}.checklist--num li{counter-increment:check-num}.checklist--num li::before{content:counter(check-num);background:var(--c-primary);font-size:var(--fs-sm)}.ficha-tecnica td:first-child{width:44%}@media (max-width:600px){.ficha-tecnica td{padding:var(--s-2) var(--s-3);font-size:var(--fs-sm)}.ficha-tecnica td:first-child{width:50%}}.cluster-card__desc{margin:var(--s-2)0 var(--s-3);color:var(--c-text-muted);font-size:var(--fs-sm);line-height:1.6}.cluster-card__bullets{list-style:none;padding:0;margin:var(--s-3)0 0;display:grid;gap:var(--s-2)}.cluster-card__bullets li{position:relative;padding-left:var(--s-5);font-size:var(--fs-sm);line-height:1.5;color:var(--c-text)}.cluster-card__bullets li::before{content:"";position:absolute;left:.4rem;top:.6em;width:6px;height:6px;background:var(--c-primary);border-radius:50%}.cluster-card--accent .cluster-card__bullets li::before{background:var(--c-accent)}.cluster-card--success .cluster-card__bullets li::before{background:var(--c-success)}.cluster-card--danger .cluster-card__bullets li::before{background:var(--c-danger)}.cluster-card__bullets li strong{color:var(--c-text);font-weight:600}.quick-answer p strong{color:var(--c-primary)}.author-block{background:var(--c-bg-alt);border-radius:var(--radius-lg);padding:var(--s-6);margin:var(--s-8)0;display:grid;gap:var(--s-4)}@media (min-width:720px){.author-block{grid-template-columns:auto 1fr;align-items:start;gap:var(--s-5)}}.author-block__photo{width:96px;height:96px;border-radius:50%;object-fit:cover;border:3px solid #fff;box-shadow:var(--shadow-sm)}.author-block__role{font-size:var(--fs-xs);font-weight:700;color:var(--c-accent-dark);text-transform:uppercase;letter-spacing:.06em;margin-bottom:var(--s-1)}.author-block__name{margin:0 0 var(--s-1);font-size:var(--fs-xl);color:var(--c-primary)}.author-block__credentials{font-size:var(--fs-sm);color:var(--c-text-muted);margin-bottom:var(--s-2)}.author-block__bio{font-size:var(--fs-sm);line-height:1.6;color:var(--c-text);margin:0 0 var(--s-3)}.author-block__links{display:flex;gap:var(--s-3);flex-wrap:wrap;font-size:var(--fs-sm)}.author-block__links a{color:var(--c-primary);text-decoration:underline}.author-block__reviewer{margin-top:var(--s-3);padding-top:var(--s-3);border-top:1px dashed var(--c-border);font-size:var(--fs-sm);color:var(--c-text-muted);line-height:1.6}.author-block__reviewer strong{color:var(--c-primary)}.casos-table-wrap{max-width:1040px;margin:0 auto;border-radius:14px;overflow:hidden;border:1px solid #e2e8f0;box-shadow:0 4px 16px rgba(26,58,92,.06)}.casos-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;font-size:14.5px}.casos-table thead th{padding:18px 24px;text-align:left;background:var(--c-primary);color:#fff;font-weight:700;font-size:15px;letter-spacing:0;text-transform:none}.casos-table tbody td{padding:16px 24px;vertical-align:top;line-height:1.55;font-size:14.5px;border-bottom:1px solid #f1f5f9;background:#fff;color:var(--c-text-muted)}.casos-table tbody tr:last-child td{border-bottom:none}.casos-table td:first-child{font-weight:600;color:var(--c-primary);width:24%;background:#fafbfc}.casos-table td:nth-child(2){width:38%}.casos-table td:last-child{font-weight:500;color:var(--c-primary);width:38%;background:linear-gradient(90deg,var(--c-accent-soft) 0%,#fff 100%)}.casos-table td strong{color:var(--c-primary);font-weight:600}@media (max-width:720px){.casos-table thead{display:none}.casos-table,.casos-table tbody,.casos-table tr,.casos-table td{display:block;width:100%}.casos-table tbody tr{margin-bottom:var(--s-3);border:1px solid var(--c-border);border-radius:var(--radius);overflow:hidden;background:#fff;padding:var(--s-3)}.casos-table tbody tr:nth-child(even){background:#fff}.casos-table td{padding:var(--s-2)0;border:0}.casos-table td:first-child{font-size:var(--fs-lg);color:var(--c-primary);padding-bottom:var(--s-2);border-bottom:1px solid var(--c-border);margin-bottom:var(--s-2);width:auto}.casos-table td:nth-child(2){font-size:var(--fs-sm);color:var(--c-text-muted);width:auto}.casos-table td:last-child{font-size:var(--fs-base);color:var(--c-primary);font-weight:700;width:auto}}@media (max-width:768px){.compare{overflow-x:visible}.compare-cards,.compare-cards tbody,.compare-cards tr,.compare-cards td{display:block;width:100%;min-width:0}.compare table.compare-cards{min-width:0}.compare-cards thead{display:none}.compare-cards tr{border:1px solid var(--c-border);border-radius:var(--radius);margin-bottom:var(--s-3);padding:var(--s-3) var(--s-4);background:#fff}.compare-cards td{display:block;text-align:left;padding:var(--s-1)0 var(--s-2);border:0}.compare-cards td:first-child{display:block;text-align:left;font-size:var(--fs-base);color:var(--c-primary);font-weight:700;padding:0 0 var(--s-2);border-bottom:1px solid var(--c-border);margin-bottom:var(--s-2)}.compare-cards td:not(:first-child)::before{display:block;font-weight:600;text-align:left;color:var(--c-text-muted);font-size:12px;margin-bottom:2px}.compare-cards td:not(:first-child)::before{content:attr(data-label)}.compare-cards.ficha-tecnica td{display:block;text-align:left;padding:2px 0}.compare-cards.ficha-tecnica td:not(:first-child)::before{content:none}}.ymyl-disclaimer{background:#fffbeb;border:1px solid #fde68a;border-left:4px solid var(--c-accent);border-radius:var(--radius);padding:var(--s-4) var(--s-5);margin:var(--s-5)0;font-size:var(--fs-sm);line-height:1.6;color:var(--c-text)}.ymyl-disclaimer strong{color:var(--c-accent-dark)}.ymyl-disclaimer__label{display:inline-block;font-size:var(--fs-xs);font-weight:700;color:var(--c-accent-dark);text-transform:uppercase;letter-spacing:.06em;margin-bottom:var(--s-2)}.last-updated{display:flex;flex-wrap:wrap;gap:var(--s-4);align-items:center;padding:var(--s-3) var(--s-5);background:var(--c-bg-alt);border-radius:var(--radius);margin:var(--s-6)0;font-size:var(--fs-sm);color:var(--c-text-muted)}.last-updated time{color:var(--c-primary);font-weight:600}.last-updated__divider{color:var(--c-border)}:root{--container:1280px}html{font-size:16px}body{font-size:15px;line-height:1.55;color:var(--c-primary);font-family:"Inter","SF Pro Display",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;background:var(--c-bg)}.container{max-width:var(--container);margin:0 auto;padding:0 32px;width:100%}.header{background:rgba(255,255,255,.92);backdrop-filter:blur(20px) saturate(180%);-webkit-backdrop-filter:blur(20px) saturate(180%);border-bottom:1px solid var(--c-border);position:sticky;top:0;z-index:50}.header__main{padding:0}.header__inner{display:flex;align-items:center;justify-content:space-between;padding:16px 32px;gap:24px}.header__logo img{height:36px;width:auto;display:block}.nav__list{display:flex;align-items:center;justify-content:flex-end;gap:30px;list-style:none;margin:0;padding:0}.nav__item{position:relative}.nav__link{color:var(--c-primary-light);text-decoration:none;font-family:"Inter",sans-serif;font-size:14.5px;font-weight:500;letter-spacing:0;transition:color .15s;display:inline-flex;align-items:center;gap:4px;padding:8px 4px;background:0 0;border:0}.nav__link:hover{color:var(--c-primary);background:0 0;text-decoration:none}.nav__item:not(.nav__item--no-children)>.nav__link::after{color:var(--c-text-light)}.header__cta,.header .cta-btn{background:var(--c-primary);color:#fff;padding:11px 18px;border-radius:8px;font-weight:600;font-size:13.5px;text-decoration:none;border:1px solid var(--c-primary);transition:all .2s;box-shadow:var(--shadow-sm);display:inline-flex;align-items:center;gap:6px}.header__cta:hover,.header .cta-btn:hover{background:var(--c-primary-dark);transform:translateY(-1px);box-shadow:var(--shadow-md);color:#fff}.hero__h1 .accent,.hero__h1 span.accent{background:linear-gradient(135deg,var(--c-accent-dark) 0%,var(--c-accent) 100%);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;font-style:normal}.wizard{padding:60px 32px 32px;background:#fff;border:1px solid var(--c-border);border-radius:14px;box-shadow:var(--shadow-lg);overflow:hidden;position:relative}@media (min-width:768px){.wizard{padding:60px 36px 36px}}.wizard__panel,.wizard__form-wrapper{padding:0}.wizard__field{margin-bottom:16px}.wizard__field input,.wizard__field select,.wizard__input,.wizard__select,.wizard input[type=text],.wizard input[type=tel],.wizard input[type=email],.wizard select{width:100%;background:var(--c-bg-alt);border:1px solid var(--c-border);color:var(--c-primary);padding:12px 14px;border-radius:8px;font-family:"Inter",sans-serif;font-size:15px;transition:border-color .2s,box-shadow .2s,background .2s;outline:0}.wizard__field input:focus,.wizard__field select:focus,.wizard__input:focus,.wizard__select:focus,.wizard input:focus,.wizard select:focus{border-color:var(--c-accent);background:#fff;box-shadow:0 0 0 3px rgba(11,77,162,.18)}.section{padding:80px 0}.section--alt{background:var(--c-bg-alt)}.section--cta{background:linear-gradient(135deg,var(--c-primary),var(--c-primary-dark));color:#fff}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:10px;font-family:"Inter",sans-serif;font-size:14px;font-weight:600;text-decoration:none;transition:all .2s;border:1px solid transparent;cursor:pointer;line-height:1.2}.btn--lg{padding:14px 22px;font-size:15px}.btn--sm{padding:8px 14px;font-size:13px;border-radius:8px}.btn--accent{background:var(--c-accent-dark);color:#fff;border-color:var(--c-accent-dark);box-shadow:0 4px 20px rgba(60,109,240,.25)}.btn--accent:hover{background:var(--c-primary);border-color:var(--c-primary);color:#fff;transform:translateY(-1px);box-shadow:0 8px 30px rgba(60,109,240,.35)}.btn--primary{background:var(--c-primary);color:#fff;border-color:var(--c-primary)}.btn--primary:hover{background:var(--c-primary-dark);border-color:var(--c-primary-dark);color:#fff;transform:translateY(-1px)}.btn--ghost,.btn--outline,.btn--secondary{background:#fff;color:var(--c-primary);border-color:var(--c-border);box-shadow:var(--shadow-sm)}.btn--ghost:hover,.btn--outline:hover,.btn--secondary:hover{border-color:var(--c-accent);color:var(--c-accent-dark);background:var(--c-accent-soft)}.hero{padding:90px 0 80px}.hero__inner{gap:64px;align-items:start}@media (min-width:1024px){.hero__inner{grid-template-columns:1.4fr 1fr;gap:64px}}.hero__bullets{margin:24px 0 32px;padding-left:0}.hero__bullet{display:flex;align-items:flex-start;gap:12px;padding:6px 0;font-weight:500;color:var(--c-primary-light);font-size:15px}.hero__bullet::before{content:"✓";display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;width:22px;height:22px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-accent-dark);border-radius:50%;font-size:13px;font-weight:700;line-height:1;margin-top:2px}.hero__bullet::after{content:none}.hero__ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:24px}.hero__trust{display:flex;flex-wrap:wrap;gap:8px;font-family:"Inter",sans-serif;font-size:13px;color:var(--c-primary-light);align-items:center}.hero__trust strong{color:var(--c-primary);font-weight:600}.article p,article p,.def-lead p,.quick-answer p{font-size:16px;line-height:1.65;color:var(--c-primary-light)}.article p strong,article p strong{color:var(--c-primary)}@media (max-width:768px){.container{padding:0 20px}.header__main{padding:10px 0}.hero{padding:60px 0 40px}.section{padding:60px 0}.wizard{padding:60px 22px 24px}.nav__list{display:none}.header__cta{display:none}}.wizard__progress{height:4px;background:var(--c-accent-soft);border-radius:2px;margin-bottom:var(--s-6);overflow:hidden}.wizard__progress-bar{height:100%;background:linear-gradient(90deg,var(--c-accent-dark),var(--c-accent));transition:width .35s ease}.wizard__hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}.wizard__input--error{border-color:#d04545!important}.wizard__field-error{font-size:12px;color:#d04545;margin-top:4px}.wizard__form-message{display:none;padding:12px 16px;border-radius:8px;font-size:13.5px;line-height:1.5;margin-bottom:var(--s-4);font-weight:500}.wizard__form-message--error{background:#fef2f2;color:#b91c1c;border-left:3px solid #b91c1c}.wizard__form-message--info{background:var(--c-accent-soft);color:var(--c-accent-dark);border-left:3px solid var(--c-accent-dark)}.wizard__check{display:flex;gap:var(--s-2);font-size:13px;line-height:1.5;margin:var(--s-4)0;align-items:flex-start}.wizard__check input[type=checkbox]{margin-top:3px;flex-shrink:0}.wizard__lopd{font-size:11.5px;color:var(--c-text-muted);margin:var(--s-3)0;line-height:1.4}.cf-turnstile{margin:var(--s-4)0}.wizard__success{text-align:center;padding:var(--s-8) var(--s-4)}.wizard__success h3{color:var(--c-accent-dark);margin-bottom:var(--s-3)}button:disabled,.btn:disabled{background:#c3d4ec!important;border-color:#c3d4ec!important;color:#1a3a5c!important;opacity:1;cursor:not-allowed}.prensa-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:var(--s-6);margin:var(--s-6)0 var(--s-10)0}.prensa-card{display:flex;flex-direction:column;background:#fff;border:1px solid #e2e8f0;border-radius:10px;overflow:hidden;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}.prensa-card:hover{transform:translateY(-2px);box-shadow:0 8px 24px -8px rgba(26,58,92,.18);border-color:var(--c-accent-line)}.prensa-card__media{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--c-accent-soft);position:relative}.prensa-card__media img{width:100%;height:100%;object-fit:cover;object-position:top center;display:block;transition:transform .35s ease}.prensa-card:hover .prensa-card__media img{transform:scale(1.04)}.prensa-card__media--placeholder{background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);display:flex;align-items:center;justify-content:center;padding:var(--s-4);position:relative}.prensa-card__media--placeholder::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 30% 20%,rgba(106,189,241,.18),transparent 60%)}.prensa-card__placeholder-label{position:relative;color:#fff;font-family:var(--ff-sans);font-weight:700;font-size:22px;letter-spacing:-.01em;text-align:center;line-height:1.2}.prensa-card__body{padding:var(--s-5) var(--s-5) var(--s-6);display:flex;flex-direction:column;flex:1}.prensa-card__meta{font-family:var(--ff-sans);font-size:12.5px;color:var(--c-text-muted);letter-spacing:0;margin:0 0 var(--s-2)}.prensa-card__source{color:var(--c-accent-dark);font-weight:600}.prensa-card__title{font-size:16px;line-height:1.35;margin:0 0 var(--s-4);color:var(--c-primary);flex:1}.prensa-card__link{align-self:flex-start;color:var(--c-accent-dark);font-weight:600;font-size:14px;text-decoration:none;border-bottom:1px solid transparent;transition:border-color .2s ease}.prensa-card__link:hover{border-bottom-color:var(--c-accent-dark)}@media (max-width:640px){.prensa-grid{grid-template-columns:1fr;gap:var(--s-5)}.prensa-card__title{font-size:15px}}.related{background:var(--c-accent-soft);padding:var(--s-10)0;margin-top:var(--s-10)}.related__header{text-align:center;margin-bottom:var(--s-8)}.related__heading{font-size:24px;color:var(--c-primary);margin:0 0 var(--s-3)}.related__lead{font-size:14px;color:var(--c-text-muted);max-width:720px;margin:0 auto}.related__pillar{color:var(--c-accent-dark);font-weight:600;text-decoration:none;border-bottom:1px solid transparent;transition:border-color .2s ease}.related__pillar:hover{border-bottom-color:var(--c-accent-dark)}.related__grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:var(--s-5)}.related__card{margin:0;background:#fff;border:1px solid #e2e8f0;border-radius:8px;overflow:hidden;transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}.related__card:hover{transform:translateY(-2px);box-shadow:0 6px 18px -6px rgba(26,58,92,.18);border-color:var(--c-accent-line)}.related__link{display:block;color:inherit;text-decoration:none}.related__media{aspect-ratio:16/9;overflow:hidden;background:var(--c-accent-soft)}.related__media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .35s ease}.related__card:hover .related__media img{transform:scale(1.05)}.related__title{font-size:15px;line-height:1.35;color:var(--c-primary);margin:var(--s-4) var(--s-4) var(--s-2);font-weight:600}.related__date{display:block;font-family:var(--ff-sans);font-size:12px;color:var(--c-text-muted);letter-spacing:0;margin:0 var(--s-4) var(--s-4)}@media (max-width:640px){.related__grid{grid-template-columns:1fr;gap:var(--s-4)}.related__heading{font-size:20px}}.footer__icon{display:inline-block;vertical-align:-3px;margin-right:6px;color:var(--c-accent);flex-shrink:0}.header-top__icon{display:inline-block;vertical-align:-2px;margin-right:5px;color:currentColor;opacity:.85;flex-shrink:0}.guia-icon-wrap{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:12px;background:var(--c-accent-soft);color:var(--c-accent-dark);margin-bottom:var(--s-3)}.guia-icon{display:block}.ico-inline{display:inline-block;vertical-align:-2px;margin-right:4px;color:var(--c-accent-dark);flex-shrink:0}.ico-svg{display:inline-block;vertical-align:-2px;margin-right:4px;color:var(--c-accent-dark);flex-shrink:0}.ico-svg--star{color:var(--c-gold);margin-right:1px}.ico-svg--ok{color:var(--c-success)}.ico-svg--ko{color:#b91c1c}.callout__icon .ico-svg,[style*="font-size:3.5rem"] .ico-svg{width:40px;height:40px;margin-right:0;vertical-align:middle}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid),.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table){width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid #e2e8f0;border-radius:14px;overflow:hidden;box-shadow:0 4px 16px rgba(26,58,92,.06);font-size:14.5px;margin:var(--s-6)0}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) thead th,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) thead th{background:var(--c-primary);color:#fff;padding:16px 24px;text-align:left;font-weight:700;font-size:14px;letter-spacing:0;text-transform:none;border-bottom:none}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody td,.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody th,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) tbody td,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) tbody th{padding:14px 24px;border-bottom:1px solid #f1f5f9;font-size:14.5px;line-height:1.55;color:var(--c-text-muted);vertical-align:top;text-align:left}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody tr:last-child td,.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody tr:last-child th,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) tbody tr:last-child td{border-bottom:none}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody tr:nth-child(even) td,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) tbody tr:nth-child(even) td{background:#fafbfc}.article table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table):not(.compare-grid) tbody th,.guide-body table:not(.ficha-tecnica):not(.compare):not(.vs-table):not(.casos-table) tbody th{color:var(--c-primary);font-weight:600;background:#fafbfc}.article table strong,.guide-body table strong{color:var(--c-primary);font-weight:600}.profile{max-width:100%;margin:0 auto}.profile__header{display:flex;flex-direction:column;gap:var(--s-5);align-items:flex-start;margin-bottom:var(--s-6);padding-bottom:var(--s-6);border-bottom:1px solid var(--c-border)}@media (min-width:768px){.profile__header{flex-direction:row;align-items:center;gap:var(--s-8)}}.profile__photo{width:190px;height:190px;border-radius:20px;object-fit:cover;box-shadow:var(--shadow-md);flex-shrink:0;border:4px solid #fff}.profile__eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-primary);padding:6px 13px;border-radius:100px;font-size:12.5px;font-weight:500;margin:0 0 var(--s-4)}.profile__name{font-size:2rem;line-height:1.1;color:var(--c-primary);margin:0 0 var(--s-3)}.profile__role{font-size:var(--fs-lg);color:var(--c-text-muted);margin:0 0 var(--s-3)}.profile__pitch{font-size:var(--fs-base);color:var(--c-text);margin:0}.section__title-xl{font-size:1.6rem;color:var(--c-primary);margin:0 0 var(--s-5)}.credentials-grid{display:grid;gap:var(--s-4);margin-top:var(--s-4)}@media (min-width:768px){.credentials-grid{grid-template-columns:repeat(2,1fr)}}.credentials-card{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius);padding:var(--s-5);box-shadow:var(--shadow-sm)}.credentials-card__category{display:inline-flex;align-items:center;background:var(--c-accent-soft);border:1px solid var(--c-accent-line);color:var(--c-primary);padding:4px 11px;border-radius:100px;font-size:11.5px;font-weight:500;margin:0 0 var(--s-3)}.credentials-card__name{font-size:var(--fs-lg);color:var(--c-primary);margin:0 0 var(--s-2)}.credentials-card__org{font-size:var(--fs-sm);color:var(--c-text-muted);margin:0 0 var(--s-2)}.credentials-card__detail{font-size:var(--fs-sm);color:var(--c-text-muted);margin:0 0 var(--s-3)}.credentials-card__verify{font-size:var(--fs-sm);margin:0}.team-cards{display:grid;gap:var(--s-5);margin-top:var(--s-6)}@media (min-width:768px){.team-cards{grid-template-columns:repeat(3,1fr)}}.team-card{display:flex;flex-direction:column;align-items:center;text-align:center;background:#fff;border:1px solid var(--c-border);border-radius:20px;padding:var(--s-6) var(--s-5);box-shadow:var(--shadow-sm);transition:all var(--t-base)}.team-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--c-accent-line)}.team-card__photo{width:120px;height:120px;border-radius:50%;object-fit:cover;margin-bottom:var(--s-4);box-shadow:var(--shadow-sm)}.team-card__name{font-size:var(--fs-lg);color:var(--c-primary);margin:0 0 4px}.team-card__role{font-size:13px;font-weight:600;color:var(--c-accent-dark);margin:0 0 var(--s-3)}.team-card__bio{font-size:var(--fs-sm);color:var(--c-text-muted);margin:0 0 var(--s-4);flex-grow:1}.team-card__link{font-weight:600;color:var(--c-accent-dark);margin-top:auto}.prensa-logos{display:flex;flex-wrap:wrap;gap:var(--s-5) var(--s-6);align-items:center;justify-content:center;margin:var(--s-5)0}.prensa-logos img{height:26px;width:auto;opacity:.6;filter:grayscale(1);transition:all var(--t-fast)}.prensa-logos img:hover{opacity:1;filter:grayscale(0)}.oficina-foto{width:100%;max-width:760px;border-radius:20px;box-shadow:var(--shadow-md);margin:var(--s-5) auto;display:block}.profile .section{padding:var(--s-8)0;background:0 0}.profile .section--alt{background:0 0}.profile .section:first-of-type{padding-top:var(--s-5)}.profile h2.section__title-xl{margin-top:0;font-size:1.4rem}.profile ol,.profile ul:not(.checklist){padding-left:1.4em;margin:var(--s-4)0}.profile ol{list-style:decimal}.profile ul:not(.checklist){list-style:disc}.profile ol li,.profile ul:not(.checklist) li{margin-bottom:var(--s-3);line-height:1.65}.profile ol li::marker,.profile ul:not(.checklist) li::marker{color:var(--c-accent-dark);font-weight:700}.profile__name .accent{color:var(--c-accent-dark)}@media (min-width:640px){.checklist--pills{grid-template-columns:1fr 1fr;column-gap:var(--s-8)}}@media (min-width:768px){.profile .credentials-grid{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}}.profile .checklist{row-gap:var(--s-2)}.article-main .article__breadcrumb{margin-bottom:var(--s-6)}.profile__header{padding:var(--s-8);background:linear-gradient(135deg,var(--c-primary) 0%,var(--c-primary-dark) 100%);border-radius:24px;border-bottom:none;margin-bottom:var(--s-8);box-shadow:var(--shadow-md)}.profile__header .profile__name{color:#fff}.profile__header .profile__name .accent{color:var(--c-accent)}.profile__header .profile__role{color:rgba(255,255,255,.92)}.profile__header .profile__pitch{color:rgba(255,255,255,.85)}.profile__header .profile__eyebrow{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.32);color:#fff;box-shadow:none}.profile__header .profile__photo{border-color:rgba(255,255,255,.28)}.profile__header strong{color:#fff}.profile__header a{color:var(--c-accent)}@media (prefers-reduced-motion:reduce){*,::before,::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}.hero{background:linear-gradient(103deg,rgba(255,255,255,.93)0,rgba(255,255,255,.85) 34%,rgba(246,250,255,.55) 62%,rgba(238,245,252,.22) 100%),url(../img/hero-financia-t.jpg)right center/cover no-repeat #f6faff}@supports (background-image:image-set(url(x.webp)type("image/webp"))){.hero{background:linear-gradient(103deg,rgba(255,255,255,.93)0,rgba(255,255,255,.85) 34%,rgba(246,250,255,.55) 62%,rgba(238,245,252,.22) 100%),image-set(url(../img/hero-financia-t.webp)type("image/webp"),url(../img/hero-financia-t.jpg)type("image/jpeg")) right center/cover no-repeat #f6faff}}@media (max-width:900px){.hero{background:linear-gradient(180deg,rgba(255,255,255,.92)0,rgba(246,250,255,.8) 100%),url(../img/hero-financia-t.jpg)center top/cover no-repeat #f6faff}@supports (background-image:image-set(url(x.webp)type("image/webp"))){.hero{background:linear-gradient(180deg,rgba(255,255,255,.92)0,rgba(246,250,255,.8) 100%),image-set(url(../img/hero-financia-t-960.webp)type("image/webp"),url(../img/hero-financia-t.jpg)type("image/jpeg")) center top/cover no-repeat #f6faff}}}.svc-figure{margin:34px 0 6px}.svc-figure img{display:block;width:100%;height:auto;border:1px solid #dbe4f0;border-radius:14px;background:#fff}.svc-figure figcaption{margin-top:10px;font-size:14px;color:#64748b;text-align:center}.article a.btn,p a.btn{text-decoration:none}.article a.btn--accent,p a.btn--accent,.article a.btn--accent:hover,p a.btn--accent:hover{color:#fff}.article a.btn--whatsapp,p a.btn--whatsapp,.article a.btn--whatsapp:hover,p a.btn--whatsapp:hover{color:#fff}
.cluster-grid--2{max-width:960px;margin-left:auto;margin-right:auto}@media (min-width:640px){.cluster-grid--2{grid-template-columns:1fr 1fr}}
.compare thead th a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.5)}.compare thead th a:hover{text-decoration-color:#fff}
@media (max-width:768px){table.fases-table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}}
.faq__q{padding-right:64px}@media (max-width:640px){.last-updated__divider{display:none}.guia-thumb{object-position:center 15%}}

/* Tablas → tarjetas en móvil (defecto del grupo, 2026-08-06). Aplica a toda tabla sin clase-tarjeta previa. */
@media (max-width:720px){
  .rtable-card,.rtable-card tbody,.rtable-card tr,.rtable-card td{display:block;width:100%;min-width:0}
  .rtable-card{min-width:0;border:0}
  .rtable-card thead{display:none}
  .rtable-card tr{border:1px solid var(--c-border);border-radius:var(--radius);margin-bottom:var(--s-3);padding:var(--s-2);background:#fff}
  .rtable-card td{display:block;text-align:left;padding:var(--s-1) 0;border:0}
  .rtable-card td:first-child{font-size:var(--fs-base);color:var(--c-primary);font-weight:700}
  .rtable-card td[data-label]::before{content:attr(data-label);display:block;font-weight:600;text-align:left;color:var(--c-text-muted);font-size:var(--fs-sm,.85rem)}
}

/* Miga de pan en heros de páginas institucionales/legales (navy) — 2026-08-06 */
.hero-crumb{font-size:.82rem;margin:0 0 14px;color:rgba(255,255,255,.72);line-height:1.4}
.hero-crumb a{color:rgba(255,255,255,.92);text-decoration:none}
.hero-crumb a:hover{text-decoration:underline}
.hero-crumb .sep{margin:0 6px;opacity:.6}

/* Aire bajo H2 de seccion cuando la sigue directo un bloque de contenido (sin subtitulo) */
h2 + .steps,h2 + .faqs,h2 + .feat-grid,h2 + .cluster-grid,h2 + .bens,h2 + .vs-table-wrap,h2 + .corp-grid,h2 + .two-col,h2 + .team-grid-2,h2 + .stats,h2 + .compare,h2 + .checklist,h2 + .rtable-card,h2 + .table-wrap,h2 + .svc-figure{margin-top:var(--s-8)}
