/* =========================================================
   Hipoteca Desde Dentro · hoja de estilos
   ========================================================= */
:root{
  --navy:#0f2a44; --navy-2:#173a5c; --navy-3:#0a1f33; --ink:#1c2733; --muted:#5b6876;
  --sand:#f7f2ea; --sand-2:#efe6d8; --accent:#d9823b; --accent-2:#e8a15a; --accent-3:#fdf3e8;
  --line:#e6dfd2; --white:#fff; --ok:#2f7d5b;
  --radius:20px; --max:1180px;
  --shadow:0 30px 60px -34px rgba(15,42,68,.45);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.62;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%}
a{color:inherit}
button{font:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.14;color:var(--navy)}
h1{font-size:clamp(2.4rem,5.6vw,4.2rem);letter-spacing:-.015em}
h2{font-size:clamp(1.9rem,3.8vw,2.8rem);margin-bottom:.55em;letter-spacing:-.01em}
h3{font-size:1.28rem;margin-bottom:.45em}
.eyebrow{font-size:.76rem;letter-spacing:.18em;text-transform:uppercase;color:var(--accent);font-weight:800;margin-bottom:14px;display:inline-flex;align-items:center;gap:10px}
.eyebrow::before{content:"";width:22px;height:2px;background:currentColor;display:inline-block}
.lead{font-size:1.16rem;color:var(--muted);max-width:660px}
.center{text-align:center}.center .lead{margin:0 auto}.center .eyebrow::before{display:none}
section{padding:104px 0;position:relative}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px;top:10px}
.pending{background:#fff2d9;color:#8a4b00;padding:1px 7px;border-radius:6px;font-weight:700;font-size:.92em}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 26px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1rem;transition:transform .18s ease,box-shadow .18s ease,background .18s,color .18s;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn:hover{transform:translateY(-2px)}
.btn:focus-visible{outline:3px solid var(--accent-2);outline-offset:3px}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 12px 28px -12px rgba(217,130,59,.9)}
.btn-primary:hover{background:#c8722d}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.08)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2)}
.btn-line{border-color:var(--line);color:var(--navy);background:#fff}
.btn-line:hover{border-color:var(--navy)}

/* ---------- Nav ---------- */
header.nav{position:sticky;top:0;z-index:50;background:rgba(15,42,68,.94);backdrop-filter:saturate(1.5) blur(10px);-webkit-backdrop-filter:saturate(1.5) blur(10px);transition:box-shadow .2s}
header.nav.scrolled{box-shadow:0 10px 30px -14px rgba(0,0,0,.45)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:#fff;flex:none}
.logo b{font-family:var(--serif);font-size:1.25rem;font-weight:600}
.logo b span{color:var(--accent-2)}
.nav ul{display:flex;gap:26px;list-style:none}
.nav ul a{color:#cfd9e3;text-decoration:none;font-size:.94rem;font-weight:500;position:relative;padding:6px 0}
.nav ul a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--accent-2);transition:width .2s}
.nav ul a:hover{color:#fff}.nav ul a:hover::after{width:100%}
.nav-right{display:flex;align-items:center;gap:16px}
.nav-phone{color:#fff;text-decoration:none;font-weight:700;font-size:.92rem;white-space:nowrap}
.nav .cta{padding:11px 20px;font-size:.92rem}
.only-mobile{display:none}
.burger{display:none;background:none;border:0;width:40px;height:40px;position:relative;cursor:pointer}
.burger span{position:absolute;left:9px;right:9px;height:2px;background:#fff;border-radius:2px;transition:transform .25s,opacity .2s}
.burger span:nth-child(1){top:13px}.burger span:nth-child(2){top:19px}.burger span:nth-child(3){top:25px}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{background:
  radial-gradient(900px 480px at 88% -8%,rgba(232,161,90,.24),transparent 60%),
  radial-gradient(700px 400px at -10% 110%,rgba(80,140,200,.18),transparent 60%),
  linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);
  color:#fff;padding:84px 0 70px;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(180deg,#000 0%,transparent 85%);-webkit-mask-image:linear-gradient(180deg,#000 0%,transparent 85%);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.2fr .95fr;gap:60px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--accent-2);position:relative;white-space:nowrap}

.hero .lead{color:#c9d5e1;margin:24px 0 34px;font-size:1.2rem}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap}
.badge{display:inline-flex;align-items:center;gap:9px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:8px 15px;border-radius:999px;font-size:.84rem;color:#dfe7ef;margin-bottom:26px}
.badge i{width:8px;height:8px;border-radius:50%;background:var(--accent-2);box-shadow:0 0 0 4px rgba(232,161,90,.22);animation:pulse 2.4s infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 4px rgba(232,161,90,.22)}50%{box-shadow:0 0 0 8px rgba(232,161,90,.05)}}
.hero-mini{display:flex;gap:22px;margin-top:30px;flex-wrap:wrap;color:#aebdcc;font-size:.9rem}
.hero-mini span{display:flex;align-items:center;gap:8px}
.hero-mini svg{flex:none}

/* Dossier mockup */
.dossier{background:#fff;color:var(--ink);border-radius:22px;padding:26px;box-shadow:0 40px 80px -30px rgba(0,0,0,.55);position:relative;transform:rotate(1.2deg)}
.dossier::before{content:"";position:absolute;inset:14px -14px -14px 14px;border-radius:22px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);z-index:-1;transform:rotate(-3deg)}
.dossier-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.dossier-head b{font-family:var(--serif);font-size:1.15rem;color:var(--navy)}
.tag{font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 10px;border-radius:999px;background:#e7f4ee;color:var(--ok)}
.meter{margin:6px 0 18px}
.meter-top{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted);margin-bottom:6px}
.meter-bar{height:10px;border-radius:10px;background:var(--sand-2);overflow:hidden}
.meter-bar i{display:block;height:100%;width:0;border-radius:10px;background:linear-gradient(90deg,var(--accent),var(--accent-2));transition:width 1.4s cubic-bezier(.2,.8,.2,1)}
.dossier.on .meter-bar i{width:82%}
.check-row{display:flex;align-items:center;gap:12px;padding:11px 0;border-top:1px solid var(--line);font-size:.93rem;opacity:.25;transform:translateX(-6px);transition:opacity .5s,transform .5s}
.dossier.on .check-row{opacity:1;transform:none}
.dossier.on .check-row:nth-child(2){transition-delay:.3s}.dossier.on .check-row:nth-child(3){transition-delay:.6s}.dossier.on .check-row:nth-child(4){transition-delay:.9s}.dossier.on .check-row:nth-child(5){transition-delay:1.2s}
.check-row .ck{width:22px;height:22px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none}
.check-row em{margin-left:auto;font-style:normal;font-weight:700;color:var(--navy);font-size:.85rem}
.dossier small{display:block;margin-top:14px;font-size:.74rem;color:#98a3ae}

/* Entry paths */
.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:62px}
.path{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:18px;padding:22px 22px 20px;color:#fff;transition:background .2s,transform .2s,border-color .2s;cursor:pointer;text-align:left;display:grid;grid-template-columns:auto 1fr auto;gap:4px 16px;align-items:center}
.path:hover{background:rgba(255,255,255,.12);transform:translateY(-3px);border-color:rgba(232,161,90,.6)}
.path .pi{grid-row:span 2;width:48px;height:48px;border-radius:14px;background:rgba(232,161,90,.14);display:grid;place-items:center}
.path b{font-size:1.04rem}
.path span{font-size:.86rem;color:#aebdcc;grid-column:2}
.path .go{grid-row:1/3;grid-column:3;color:var(--accent-2);font-size:1.3rem;transition:transform .2s}
.path:hover .go{transform:translateX(4px)}

/* ---------- Trust strip ---------- */
.trust{background:var(--sand);padding:0}
.trust .grid{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);transform:translateY(-40px);overflow:hidden}
.stat{padding:30px 26px;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--serif);font-size:2.4rem;color:var(--navy);line-height:1;font-variant-numeric:tabular-nums}
.stat b sup{font-size:.55em;color:var(--accent);vertical-align:.5em;margin-left:2px}
.stat span{display:block;color:var(--muted);font-size:.92rem;margin-top:10px}

/* ---------- Inside / comparison ---------- */
.inside{background:var(--sand);padding-top:30px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.checks{list-style:none;margin-top:22px;display:grid;gap:16px}
.checks li{display:flex;gap:14px;align-items:flex-start}
.checks li::before{content:"";flex:none;width:24px;height:24px;margin-top:2px;border-radius:50%;background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%23e8a15a' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.vs{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.vs .row{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid var(--line)}
.vs .row:last-child{border-bottom:0}
.vs .row div{padding:17px 22px;font-size:.95rem;display:flex;gap:10px;align-items:flex-start}
.vs .row div:first-child{color:var(--muted)}
.vs .row div:first-child::before{content:"✕";color:#c0583d;font-weight:800}
.vs .row div:last-child{background:#fdf8f2;color:var(--navy);font-weight:600}
.vs .row div:last-child::before{content:"✓";color:var(--ok);font-weight:900}
.vs .head div{font-weight:800!important;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase}
.vs .head div::before{display:none}
.vs .head div:last-child{color:var(--accent);background:var(--accent-3)}

/* ---------- Services ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:48px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:32px;background:#fff;transition:box-shadow .25s,transform .25s,border-color .25s;position:relative;overflow:hidden}
.card::after{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:linear-gradient(90deg,var(--accent),var(--accent-2));transition:width .35s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.card:hover::after{width:100%}
.ico{width:52px;height:52px;border-radius:15px;background:var(--sand);display:grid;place-items:center;margin-bottom:20px}
.card p{color:var(--muted);font-size:.97rem}
.card .more{display:inline-block;margin-top:14px;font-weight:700;color:var(--accent);text-decoration:none;font-size:.93rem;background:none;border:0;cursor:pointer;padding:0}

/* ---------- Method ---------- */
.method{background:var(--navy);color:#fff;overflow:hidden}
.method::before{content:"";position:absolute;right:-180px;top:-180px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(232,161,90,.18),transparent 70%)}
.method h2{color:#fff}.method .lead{color:#b9c7d5}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px 30px;margin-top:52px;counter-reset:s;position:relative}
.step{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:18px;padding:28px;transition:background .2s,border-color .2s}
.step:hover{background:rgba(255,255,255,.07);border-color:rgba(232,161,90,.4)}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--serif);font-size:2.6rem;color:var(--accent-2);display:block;line-height:1;margin-bottom:16px}
.step h3{color:#fff;font-size:1.16rem}
.step p{color:#b9c7d5;font-size:.95rem}

/* ---------- Fees ---------- */
.fees{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px;align-items:stretch}
.fee{border-radius:var(--radius);padding:34px 30px;border:1px solid var(--line);background:#fff;display:flex;flex-direction:column}
.fee.hl{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:var(--shadow);transform:translateY(-10px)}
.fee.hl h3{color:#fff}.fee.hl p{color:#c3d0dc}
.fee .price{font-family:var(--serif);font-size:2.6rem;color:var(--accent);line-height:1;margin:10px 0 16px}
.fee .price small{font-size:.4em;color:var(--muted);font-family:var(--sans);font-weight:600;margin-left:4px}
.fee.hl .price small{color:#9fb2c4}
.fee p{color:var(--muted);font-size:.96rem;flex:1}
.fee .label{align-self:flex-start;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;background:var(--accent);color:#fff;padding:5px 10px;border-radius:999px;margin-bottom:14px}
.promise{margin-top:30px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.promise div{background:var(--sand);border-radius:14px;padding:16px 18px;font-size:.93rem;color:var(--navy);font-weight:600;display:flex;gap:10px;align-items:flex-start}
.promise div::before{content:"✓";color:var(--ok);font-weight:900}

/* ---------- Need ---------- */
.need{background:var(--sand)}
.need-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.pill-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.pill-list span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:.92rem;color:var(--navy);font-weight:500}
.panel{background:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}

/* ---------- Calculators ---------- */
.calc{background:#fff}
.tabs{display:inline-flex;background:var(--sand);border-radius:999px;padding:5px;margin-top:30px;gap:4px;flex-wrap:wrap}
.tab{border:0;background:none;padding:11px 20px;border-radius:999px;font-weight:700;color:var(--muted);cursor:pointer;font-size:.94rem;transition:background .2s,color .2s}
.tab[aria-selected=true]{background:var(--navy);color:#fff}
.calc-box{display:grid;grid-template-columns:1fr 1fr;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-top:26px;border:1px solid var(--line)}
.calc-in{padding:38px}
.calc-out{padding:38px;background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center}
.pane{display:none}.pane.on{display:contents}
.field{margin-bottom:22px}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:.93rem;margin-bottom:10px;color:var(--navy);gap:12px}
.field label output{color:var(--accent);font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:800}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:linear-gradient(90deg,var(--accent) var(--p,50%),var(--sand-2) var(--p,50%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--accent);cursor:pointer;box-shadow:0 2px 8px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--accent);cursor:pointer}
.res{border-bottom:1px solid rgba(255,255,255,.12);padding:16px 0}
.res span{display:block;font-size:.8rem;color:#aebdcc;letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.res b{font-family:var(--serif);font-size:2rem;font-variant-numeric:tabular-nums}
.res.big b{font-size:2.8rem;color:var(--accent-2)}
.res.good b{color:#7fd3a8}
.limit{font-size:.9rem;color:#dfe7ef;background:rgba(255,255,255,.07);padding:12px 15px;border-radius:12px;margin-top:14px}
.calc-out .btn{margin-top:22px}
.calc-out small{color:#8fa3b7;font-size:.78rem;margin-top:16px;display:block;line-height:1.5}

/* ---------- About ---------- */
.about{background:var(--sand)}
.portrait{border-radius:var(--radius);background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#2a5277 100%);position:relative;overflow:hidden;padding:40px 34px;color:#fff;box-shadow:var(--shadow)}
.portrait .photo{width:120px;height:120px;border-radius:50%;background:linear-gradient(135deg,var(--accent),var(--accent-2));display:grid;place-items:center;font-family:var(--serif);font-size:2.6rem;font-weight:700;margin-bottom:26px;border:4px solid rgba(255,255,255,.2);overflow:hidden}
.portrait .photo img{width:100%;height:100%;object-fit:cover}
.tl{display:grid;gap:0;position:relative}
.tl div{border-left:2px solid rgba(232,161,90,.4);padding:0 0 22px 20px;position:relative}
.tl div:last-child{padding-bottom:0;border-color:transparent}
.tl div::before{content:"";position:absolute;left:-7px;top:4px;width:12px;height:12px;border-radius:50%;background:var(--accent-2);box-shadow:0 0 0 4px rgba(232,161,90,.2)}
.tl b{display:block;font-family:var(--serif);font-size:1.12rem}
.tl span{font-size:.9rem;color:#b9c7d5}
.about p{margin-bottom:16px;color:#33404d}
.sign{font-family:var(--serif);font-size:1.6rem;color:var(--navy);margin-top:10px;font-style:italic}
.creds{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.creds span{font-size:.8rem;font-weight:700;color:var(--navy);background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:999px}

/* ---------- Zones ---------- */
.zone-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
.zone{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);transition:transform .2s,box-shadow .2s}
.zone:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.zone .pin{width:40px;height:40px;border-radius:12px;background:var(--accent-3);display:grid;place-items:center;margin-bottom:14px}
.zone b{font-family:var(--serif);font-size:1.3rem;color:var(--navy);display:block;margin-bottom:6px}
.zone p{font-size:.93rem;color:var(--muted)}
.en{margin-top:28px;background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;border-radius:var(--radius);padding:30px 34px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.en p{color:#cdd8e3;max-width:700px}
.en strong{color:#fff;font-family:var(--serif);font-size:1.35rem;display:block;margin-bottom:4px}

/* ---------- Refer + Guide ---------- */
.duo{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.box{border-radius:var(--radius);padding:38px;position:relative;overflow:hidden}
.box.a{background:linear-gradient(135deg,#fbefe2,#f4dcc2)}
.box.b{background:var(--navy);color:#fff}
.box.b h3{color:#fff}.box.b p{color:#c3d0dc}
.box h3{font-size:1.6rem}
.box p{margin:12px 0 22px;color:#5a4a3a;max-width:440px}
.box .deco{position:absolute;right:-20px;bottom:-20px;opacity:.12}

/* ---------- FAQ ---------- */
.faq-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:start}
details{border-bottom:1px solid var(--line);padding:22px 0}
details:first-child{padding-top:0}
summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.07rem;list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.7rem;line-height:1;color:var(--accent);transition:transform .25s;flex:none}
details[open] summary::after{transform:rotate(45deg)}
details p{margin-top:12px;color:var(--muted)}

/* ---------- Contact ---------- */
.contact{background:linear-gradient(180deg,var(--navy),var(--navy-3));color:#fff;overflow:hidden}
.contact::before{content:"";position:absolute;left:-200px;bottom:-200px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(232,161,90,.14),transparent 70%)}
.contact h2{color:#fff}.contact .lead{color:#b9c7d5}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;margin-top:10px;position:relative}
.channels{display:grid;gap:14px;margin-top:30px}
.channel{display:flex;align-items:center;gap:16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:18px 20px;text-decoration:none;transition:background .15s,transform .15s}
.channel:hover{background:rgba(255,255,255,.11);transform:translateX(4px)}
.channel b{display:block}
.channel span{color:#a9bacb;font-size:.9rem}
.promise-mini{margin-top:26px;color:#a9bacb;font-size:.9rem;display:grid;gap:8px}

/* Wizard */
.wizard{background:#fff;border-radius:22px;padding:34px;color:var(--ink);box-shadow:0 40px 80px -30px rgba(0,0,0,.5)}
.stepper{display:flex;gap:8px;margin-bottom:8px}
.stepper i{flex:1;height:6px;border-radius:6px;background:var(--line);transition:background .3s}
.stepper i.on{background:var(--accent)}
.step-count{font-size:.8rem;color:var(--muted);font-weight:700;margin-bottom:18px;display:block}
.wstep{display:none;animation:fade .35s ease}.wstep.on{display:block}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.wstep h4{font-size:1.4rem;margin-bottom:18px}
.opts{display:grid;gap:10px}
.opt{border:1.5px solid var(--line);background:#fcfaf7;border-radius:14px;padding:15px 18px;text-align:left;font-weight:600;color:var(--navy);cursor:pointer;display:flex;align-items:center;gap:14px;transition:border-color .15s,background .15s}
.opt:hover,.opt.sel{border-color:var(--accent);background:var(--accent-3)}
.opt em{font-style:normal;font-size:1.3rem}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.wizard label{display:block;font-size:.84rem;font-weight:700;color:var(--navy);margin:0 0 6px}
.wizard input,.wizard select,.wizard textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:.97rem;margin-bottom:14px;background:#fcfaf7;color:var(--ink)}
.wizard input:focus,.wizard select:focus,.wizard textarea:focus{outline:none;border-color:var(--accent);background:#fff}
.priv{font-size:.8rem!important;font-weight:500!important;color:var(--muted)!important;display:flex!important;gap:10px;align-items:flex-start;margin-bottom:16px!important}
.priv input{width:auto!important;margin:3px 0 0!important;flex:none}
.hp{position:absolute!important;left:-9999px!important;opacity:0}
.wnav{display:flex;gap:10px;margin-top:4px}
.wnav .btn{flex:1}
.form-msg{margin-top:14px;font-size:.92rem;font-weight:600;display:none;padding:12px 14px;border-radius:12px}
.form-msg.err{display:block;background:#fdecea;color:#a1361f}
.form-msg.ok{display:block;background:#e7f4ee;color:var(--ok)}
.alt-wa{display:block;text-align:center;margin-top:14px;font-size:.88rem;color:var(--muted)}
.alt-wa a{color:var(--ok);font-weight:700}

/* ---------- Footer ---------- */
.site-footer{background:#081a2c;color:#8fa3b7;padding:64px 0 40px;font-size:.9rem}
.foot{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.site-footer b{color:#fff}
.site-footer .logo b{font-size:1.3rem}
.foot-claim{font-family:var(--serif);color:#dfe7ef;font-size:1.1rem;margin:14px 0 8px}
.foot-list{list-style:none;margin-top:12px;display:grid;gap:8px}
.site-footer a{color:#b9c7d5;text-decoration:none}
.site-footer a:hover{color:#fff}
.legal-note{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:24px;font-size:.8rem;line-height:1.65;display:grid;gap:8px}
.copy{margin-top:6px;color:#6b8096}

/* ---------- Floating & mobile bar ---------- */
.wa-float{position:fixed;right:22px;bottom:22px;width:60px;height:60px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 12px 28px -8px rgba(0,0,0,.45);z-index:60;transition:transform .2s}
.wa-float:hover{transform:scale(1.07)}
.mobile-bar{display:none}

/* ---------- Legal / inner pages ---------- */
.page-hero{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;padding:70px 0 60px}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem)}
.page-hero p{color:#b9c7d5;margin-top:10px}
.prose{max-width:820px;padding:64px 24px 90px;margin:0 auto}
.prose h2{font-size:1.5rem;margin:34px 0 12px}
.prose p,.prose li{color:#33404d;margin-bottom:12px}
.prose ul{padding-left:22px}
.prose table{width:100%;border-collapse:collapse;margin:12px 0 20px;font-size:.93rem}
.prose td,.prose th{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--sand)}
.thanks{min-height:70vh;display:grid;place-items:center;text-align:center;padding:80px 24px;background:var(--sand)}
.thanks .ok{width:84px;height:84px;border-radius:50%;background:var(--ok);display:grid;place-items:center;margin:0 auto 24px}
.thanks p{color:var(--muted);max-width:520px;margin:12px auto 28px}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.rv{opacity:1;transform:none}}

/* ---------- Responsive ---------- */
@media (max-width:1180px){
  .nav-phone{display:none}
  .nav ul{display:none;position:absolute;top:74px;left:0;right:0;background:var(--navy);flex-direction:column;padding:12px 24px 26px;gap:4px;box-shadow:0 20px 30px -20px rgba(0,0,0,.5)}
  .nav ul.open{display:flex}
  .nav ul a{display:block;padding:12px 0;font-size:1.05rem}
  .only-mobile{display:block}
  .burger{display:block}
}
@media (max-width:980px){
  .hero-grid,.two,.calc-box,.contact-grid,.need-grid,.faq-wrap{grid-template-columns:1fr}
  .dossier{max-width:480px;transform:none}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .zone-grid{grid-template-columns:1fr 1fr}
  .trust .grid{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .fees,.promise,.duo{grid-template-columns:1fr}
  .fee.hl{transform:none}
  .foot{grid-template-columns:1fr 1fr}
  .paths{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:16px;padding-bottom:64px}
  section{padding:72px 0}
  .wrap{padding:0 20px}
  .nav .cta{display:none}
  .hero{padding:52px 0 56px}
  .hero h1 em{white-space:normal}
  .hero .actions .btn{width:100%}
  .cards,.steps,.zone-grid{grid-template-columns:1fr}
  .calc-in,.calc-out,.wizard,.panel,.box{padding:24px}
  .f2{grid-template-columns:1fr;gap:0}
  .vs .row div{padding:13px 14px;font-size:.87rem}
  .foot{grid-template-columns:1fr}
  .tabs{display:flex;width:100%}.tab{flex:1;padding:10px 8px;font-size:.84rem}
  .wa-float{display:none}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;box-shadow:0 -8px 24px -10px rgba(0,0,0,.25);padding:8px;gap:8px}
  .mobile-bar a{text-align:center;padding:12px 6px;border-radius:12px;font-weight:800;font-size:.9rem;text-decoration:none}
  .mb-call{background:var(--sand);color:var(--navy)}
  .mb-wa{background:#25d366;color:#fff}
  .mb-cta{background:var(--accent);color:#fff}
}
.calc-box[hidden]{display:none!important}

/* ===== v4 · HipotecaDentro ===== */
.logo .wm{display:flex;flex-direction:column;line-height:1}
.logo .wm b{font-family:var(--serif);font-size:1.4rem;font-weight:700;letter-spacing:-.01em}
.logo .wm b span{color:var(--accent-2)}
.logo .wm small{font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:#9fb2c4;margin-top:5px}
.site-footer .logo img{display:block}
.press{background:#fff;padding:46px 0;border-bottom:1px solid var(--line)}
.press .wrap{display:flex;align-items:center;gap:34px;flex-wrap:wrap;justify-content:center}
.press small{font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:800}
.press span{font-family:var(--serif);font-size:1.15rem;color:#7a8794;font-weight:600}
.lp-hero{padding:76px 0 84px}
.lp-hero h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
.pains{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.pain{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.pain b{display:block;font-family:var(--serif);font-size:1.18rem;color:var(--navy);margin-bottom:8px}
.pain p{color:var(--muted);font-size:.96rem}
.pain .q{font-size:2rem;line-height:1;color:var(--accent);font-family:var(--serif);display:block;margin-bottom:8px}
.lp-cta{background:var(--accent-3);border-radius:var(--radius);padding:34px 38px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:40px}
.lp-cta b{font-family:var(--serif);font-size:1.45rem;color:var(--navy)}
.guide-wrap{max-width:820px;margin:0 auto;padding:64px 24px 40px}
.err{display:grid;grid-template-columns:72px 1fr;gap:22px;padding:30px 0;border-bottom:1px solid var(--line)}
.err .n{font-family:var(--serif);font-size:3rem;color:var(--accent);line-height:1}
.err h2{font-size:1.5rem;margin-bottom:10px}
.err p{color:#33404d;margin-bottom:10px}
.err .tip{background:var(--sand);border-left:3px solid var(--accent);padding:14px 18px;border-radius:0 12px 12px 0;color:var(--navy);font-weight:500;font-size:.96rem}
.toc{background:var(--sand);border-radius:var(--radius);padding:24px 28px;margin-bottom:20px}
.toc ol{padding-left:20px;display:grid;gap:6px;margin-top:10px}
.toc a{color:var(--navy);font-weight:600}
@media (max-width:980px){.pains{grid-template-columns:1fr}}
@media (max-width:640px){.err{grid-template-columns:1fr;gap:6px}.logo .wm small{display:none}.press .wrap{gap:16px}}
.nav ul{gap:22px}
.nav ul a,.nav .cta,.nav-phone{white-space:nowrap}
.hero h1 em{white-space:normal}
@media (max-width:1440px){.nav-phone{display:none}}

.portrait-img{display:block;width:100%;max-height:460px;object-fit:cover;object-position:center 15%;border-radius:16px;margin-bottom:28px;border:3px solid rgba(232,161,90,.55)}
.hero-me{display:flex;align-items:center;gap:14px;margin-top:30px}
.hero-me img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:3px solid #e8a15a;flex:none}
.hero-me span{color:#aebdcc;font-size:.88rem;line-height:1.4}
.hero-me b{display:block;color:#fff;font-size:.98rem}

/* v6 · hero con foto */
@media (min-width:981px){.hero-grid{grid-template-columns:1.15fr .85fr}}
.hero-photo{position:relative;max-width:400px;justify-self:end;width:100%}
.hp-img{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 20%;border-radius:28px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6);border:4px solid rgba(255,255,255,.12)}
.hero-photo::before{content:"";position:absolute;inset:-18px 18px 18px -18px;border-radius:30px;border:2px solid rgba(232,161,90,.45);z-index:-1}
.hp-badge{position:absolute;top:26px;right:-22px;background:var(--accent);color:#fff;border-radius:18px;padding:14px 18px;box-shadow:0 18px 36px -14px rgba(0,0,0,.55);text-align:center;transform:rotate(3deg)}
.hp-badge b{display:block;font-family:var(--serif);font-size:1.7rem;line-height:1}
.hp-badge span{font-size:.78rem;font-weight:700;letter-spacing:.02em}
.hp-dossier{position:absolute;left:-70px;bottom:-34px;width:300px;padding:18px 18px 14px;transform:rotate(-1.5deg)}
.hp-dossier::before{display:none}
.hp-dossier .dossier-head{margin-bottom:10px}.hp-dossier .dossier-head b{font-size:1rem}
.hp-dossier .meter{margin:2px 0 8px}
.hp-dossier .check-row{padding:8px 0;font-size:.84rem}
.hp-dossier small{margin-top:6px;font-size:.7rem}
.hp-sign{position:absolute;right:18px;bottom:22px;text-align:right;color:#fff;text-shadow:0 2px 12px rgba(0,0,0,.6)}
.hp-sign b{display:block;font-family:var(--serif);font-style:italic;font-size:1.5rem}
.hp-sign span{font-size:.82rem;font-weight:600}
.portrait-img{max-height:520px;object-position:center top}
.paths{margin-top:84px}
@media (max-width:980px){.hero-photo{justify-self:center;margin:10px auto 40px}.hp-dossier{left:-10px;bottom:-40px;width:270px}.hp-badge{right:-6px}}
@media (max-width:640px){.hero-photo{max-width:340px}.hp-dossier{position:relative;left:auto;bottom:auto;width:100%;margin-top:-50px;transform:none}.hp-sign{bottom:auto;top:auto;display:none}.hp-badge{top:14px;right:-4px;padding:10px 14px}.hp-badge b{font-size:1.3rem}}
.hp-img{height:auto}
@media (min-width:981px){.hp-dossier{width:262px;left:-88px}.hp-sign span{font-size:.78rem}}