@font-face{font-family:"Newsreader";font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/newsreader-latin-400-normal.woff2) format("woff2")}
  @font-face{font-family:"Newsreader";font-weight:400;font-style:italic;font-display:swap;src:url(../fonts/newsreader-latin-400-italic.woff2) format("woff2")}
  @font-face{font-family:"Newsreader";font-weight:500;font-style:normal;font-display:swap;src:url(../fonts/newsreader-latin-500-normal.woff2) format("woff2")}
  @font-face{font-family:"Newsreader";font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/newsreader-latin-600-normal.woff2) format("woff2")}
  @font-face{font-family:"IBM Plex Sans";font-weight:400;font-display:swap;src:url(../fonts/ibm-plex-sans-latin-400-normal.woff2) format("woff2")}
  @font-face{font-family:"IBM Plex Sans";font-weight:500;font-display:swap;src:url(../fonts/ibm-plex-sans-latin-500-normal.woff2) format("woff2")}
  @font-face{font-family:"IBM Plex Sans";font-weight:600;font-display:swap;src:url(../fonts/ibm-plex-sans-latin-600-normal.woff2) format("woff2")}

  :root{
    --navy:#13203B; --navy-2:#1C2B4D; --ink:#1B2233; --muted:#4A5266;
    --amber:#C9881F; --amber-text:#8F5D0E; --amber-hover:#D99A33;
    --bg:#FFFFFF; --bg-alt:#F6F5F1; --line:#E4E2DC;
    --serif:"Newsreader",Cambria,Georgia,serif; --sans:"IBM Plex Sans",Arial,sans-serif;
    --w:1120px; --gutter:24px; --section:112px;
    --shadow:0 24px 48px -24px rgba(0,0,0,.28), 0 2px 6px rgba(0,0,0,.06);
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto} *{transition:none!important}}
  body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
  a{color:inherit}
  img{max-width:100%;height:auto;display:block}
  p{margin:0}
  h1,h2,.big{font-family:var(--serif);font-weight:500;letter-spacing:-.01em;margin:0;color:var(--navy)}
  h3{font-family:var(--sans);font-weight:600;font-size:20px;line-height:1.3;margin:0;color:var(--navy)}
  .wrap{max-width:var(--w);margin:0 auto;padding:0 var(--gutter)}
  .skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 14px;border-radius:8px;z-index:100}
  .skip:focus{left:8px}

  /* Botones */
  .btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:8px;font-weight:600;font-size:15px;line-height:1.3;text-decoration:none;border:1.5px solid transparent;transition:background .15s ease-out,transform .15s ease-out,border-color .15s ease-out}
  .btn:focus-visible,a:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
  .btn-primary{background:var(--navy);color:#fff}
  .btn-primary:hover{background:var(--navy-2);transform:translateY(-1px)}
  .btn-primary:active{transform:none}
  .btn-secondary{border-color:var(--line);color:var(--navy);background:transparent}
  .btn-secondary:hover{border-color:var(--navy)}
  .btn-amber{background:var(--amber);color:var(--navy)}
  .btn-amber:hover{background:var(--amber-hover);transform:translateY(-1px)}
  .btn-amber:active{transform:none}
  .btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
  .btn-ghost:hover{border-color:#fff}
  .link{text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:4px;text-decoration-thickness:1px}
  .link:hover{text-decoration-thickness:2px}

  /* Cabecera */
  header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
  .brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:var(--serif);font-size:24px;font-weight:600;line-height:1.3;min-height:44px}
  .brand img{width:28px;height:28px}
  .nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0}
  .nav ul a{text-decoration:none;color:var(--muted);font-weight:500;font-size:15px;display:inline-flex;align-items:center;min-height:44px;transition:color .15s ease-out}
  .nav ul a:hover{color:var(--navy)}

  /* Inicio */
  .hero{padding:96px 0 0;background:var(--bg)}
  .hero h1{font-size:clamp(40px,6vw,68px);line-height:1.05;max-width:16ch}
  .hero .lead{font-size:clamp(18px,1.6vw,21px);color:var(--muted);max-width:56ch;margin-top:28px;line-height:1.55}
  .hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
  .hero-media{margin-top:64px;position:relative}
  
  .hero-media img{position:relative;z-index:1;margin:0 auto;max-width:1040px;width:100%;border-radius:20px;box-shadow:var(--shadow)}

  section{padding:var(--section) 0}
  .alt{background:var(--bg-alt)}
  .kicker{font-size:16px;font-weight:600;color:var(--amber-text);margin-bottom:18px;letter-spacing:.01em}
  h2{font-size:clamp(30px,3.4vw,40px);line-height:1.12;max-width:22ch}
  .intro{color:var(--muted);font-size:19px;line-height:1.55;max-width:58ch;margin-top:20px}
  .rule{width:48px;height:2px;background:var(--amber);border:0;margin:0 0 28px}

  /* Frase grande */
  .statement .big{font-size:clamp(26px,3.2vw,38px);line-height:1.4;font-style:italic;font-weight:400;max-width:30ch}
  .statement .who{margin-top:24px;color:var(--muted);font-size:15px}

  /* Dos columnas con imagen */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
  .split.rev>.media{order:-1}
  .media img{border-radius:20px;box-shadow:var(--shadow)}
  .list{list-style:none;margin:36px 0 0;padding:0;display:grid;gap:24px}
  .list li{display:grid;grid-template-columns:36px 1fr;gap:16px;align-items:start}
  .list .n{font-family:var(--serif);font-size:20px;color:var(--amber-text);line-height:1.3;padding-top:2px}
  .list p{color:var(--muted);font-size:16px;margin-top:4px;max-width:48ch}

  /* Proveedores */
  .providers{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
  .providers span{border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-weight:500;font-size:15px;color:var(--navy);background:var(--bg-alt)}
  .note{font-size:14px;color:var(--muted);margin-top:16px;max-width:52ch}

  /* Pasos */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:56px}
  .step .n{font-family:var(--serif);font-size:44px;line-height:1.3;color:var(--amber-text);margin-bottom:16px}
  .step h3{margin-bottom:10px}
  .step p{color:var(--muted);font-size:16px}

  /* Control */
  .control{display:grid;grid-template-columns:repeat(2,1fr);gap:28px 48px;margin-top:40px}
  .control div strong{display:block;color:var(--navy);font-size:17px;margin-bottom:4px}
  .control div span{color:var(--muted);font-size:15px}

  /* Seguridad */
  .trust{display:grid;grid-template-columns:repeat(2,1fr);gap:36px 56px;margin-top:48px}
  .trust div{border-top:1px solid var(--line);padding-top:20px}
  .trust strong{display:block;color:var(--navy);font-size:20px;font-family:var(--serif);font-weight:500;margin-bottom:8px}
  .trust span{color:var(--muted);font-size:16px;max-width:46ch;display:block}

  /* Cierre */
  .cta{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;padding:104px 0}
  .cta h2{color:#fff;max-width:20ch}
  .cta p{color:rgba(255,255,255,.82);font-size:19px;line-height:1.55;max-width:54ch;margin:20px 0 36px}
  .cta .ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
  .cta .mail{color:rgba(255,255,255,.85);font-size:15px;min-height:44px}

  footer{background:#0E182D;color:rgba(255,255,255,.7);font-size:14px;padding:36px 0}
  footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;align-items:center}
  footer .row .brand{color:#fff;font-size:18px}
  footer .row .brand img{width:20px;height:20px}
  footer a{color:rgba(255,255,255,.85);display:inline-block;padding:12px 0}
  details.legal{margin-top:22px;color:rgba(255,255,255,.62);font-size:13px;line-height:1.55}
  details.legal summary{cursor:pointer;color:rgba(255,255,255,.85);min-height:44px;display:flex;align-items:center;width:max-content}
  details.legal p{margin-top:10px;max-width:76ch}


  /* Formulario */
  .form{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:32px;display:grid;gap:18px}
  .field{display:grid;gap:8px}
  .field label,.consent label{font-size:14px;font-weight:500;color:rgba(255,255,255,.88)}
  .field input{height:48px;border-radius:8px;border:1.5px solid rgba(255,255,255,.22);background:rgba(255,255,255,.04);color:#fff;padding:0 14px;font:inherit;font-size:16px;transition:border-color .15s ease-out}
  .field input:hover{border-color:rgba(255,255,255,.4)}
  .field input:focus{outline:none;border-color:var(--amber);box-shadow:0 0 0 3px rgba(201,136,31,.35)}
  .field input[aria-invalid="true"]{border-color:#F0A3A3}
  .consent{display:grid;grid-template-columns:20px 1fr;gap:12px;align-items:start;font-size:14px;line-height:1.5}
  .consent input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--amber)}
  .consent a{color:#fff;text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:3px}
  .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
  .form .btn{width:100%}
  .form-msg{font-size:15px;color:rgba(255,255,255,.9);min-height:1.5em;margin:0}
  .form-msg.ok{color:#F3D9A4}
  .form-msg.err{color:#F0A3A3}
  .form.sent .field,.form.sent .consent,.form.sent .btn{display:none}
  .cta .mail{margin:0}
  .cta .mail .link{color:#fff;display:inline-block;padding:10px 0}

  /* ===== Recursos: artículos ===== */
  .article-head{padding:72px 0 40px;border-bottom:1px solid var(--line)}
  .article-head .kicker{margin-bottom:14px}
  .article-head h1{font-size:clamp(34px,4.6vw,56px);line-height:1.08;max-width:22ch}
  .article-head .lead{font-size:clamp(18px,1.5vw,21px);color:var(--muted);max-width:58ch;margin-top:22px;line-height:1.55}
  .article-head .meta{margin-top:22px;font-size:14px;color:var(--muted)}
  .article-head .meta span+span::before{content:"·";margin:0 10px}
  .article{padding:56px 0 72px}
  .article .wrap{display:grid;grid-template-columns:minmax(0,68ch) 1fr;gap:64px;align-items:start}
  .prose{min-width:0}
  .prose>*+*{margin-top:20px}
  .prose h2{font-size:clamp(26px,2.6vw,34px);line-height:1.18;max-width:none;margin-top:52px}
  .prose h3{margin-top:36px;font-size:20px}
  .prose h2+p,.prose h3+p{margin-top:14px}
  .prose p,.prose li{font-size:17px;line-height:1.65;color:var(--ink)}
  .prose ul,.prose ol{padding-left:22px;display:grid;gap:10px}
  .prose li::marker{color:var(--amber-text)}
  .prose a{text-decoration:underline;text-decoration-color:var(--amber);text-underline-offset:4px;text-decoration-thickness:1px}
  .prose a:hover{text-decoration-thickness:2px}
  .prose strong{color:var(--navy)}
  .prose .callout{background:var(--bg-alt);border-left:3px solid var(--amber);border-radius:0 12px 12px 0;padding:20px 24px;margin-top:28px}
  .prose .callout p{font-size:16px;color:var(--ink)}
  .prose .callout p+p{margin-top:10px}
  .prose .fuente{font-size:14px;color:var(--muted);margin-top:8px}
  .prose table{width:100%;border-collapse:collapse;margin-top:24px;font-size:15px;line-height:1.5}
  .prose th,.prose td{text-align:left;vertical-align:top;padding:12px 14px;border-bottom:1px solid var(--line)}
  .prose th{font-weight:600;color:var(--navy);background:var(--bg-alt);font-size:14px}
  .prose td:first-child{font-weight:500;color:var(--navy)}
  .prose .tabla-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .prose .check{list-style:none;padding:0}
  .prose .check li{display:grid;grid-template-columns:28px 1fr;gap:12px;align-items:start}
  .prose .check li::before{content:"";width:18px;height:18px;border:1.5px solid var(--navy);border-radius:4px;margin-top:5px;display:block}
  .aside{position:sticky;top:96px;display:grid;gap:24px}
  .aside .box{border:1px solid var(--line);border-radius:14px;padding:22px 24px;background:var(--bg)}
  .aside .box h4{margin:0 0 12px;font-family:var(--serif);font-weight:500;font-size:20px;color:var(--navy)}
  .aside .box p,.aside .box li{font-size:15px;color:var(--muted);line-height:1.5}
  .aside .box ul{margin:0;padding-left:18px;display:grid;gap:8px}
  .aside .box li::marker{color:var(--amber-text)}
  .aside .box.navy{background:linear-gradient(180deg,var(--navy),var(--navy-2));border:0;color:#fff}
  .aside .box.navy h4,.aside .box.navy p{color:#fff}
  .aside .box.navy p{color:rgba(255,255,255,.82)}
  .aside .box .btn{margin-top:14px;width:100%}
  .aside .toc a{text-decoration:none;color:var(--muted);display:block;padding:6px 0;font-size:15px}
  .aside .toc a:hover{color:var(--navy)}
  .cta-inline{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;border-radius:16px;padding:36px;margin-top:56px}
  .cta-inline h2{color:#fff;font-size:clamp(24px,2.4vw,30px);margin:0;max-width:22ch}
  .cta-inline p{color:rgba(255,255,255,.82);margin:12px 0 22px;font-size:17px;max-width:54ch}
  .related{padding:56px 0 88px;background:var(--bg-alt);border-top:1px solid var(--line)}
  .related h2{font-size:clamp(24px,2.4vw,30px)}
  .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
  .card{display:block;text-decoration:none;color:inherit;border:1px solid var(--line);border-radius:14px;padding:22px 24px;background:var(--bg);transition:border-color .15s ease-out,transform .15s ease-out;min-height:100%}
  .card:hover{border-color:var(--navy);transform:translateY(-1px)}
  .card .kicker{font-size:13px;margin-bottom:8px}
  .card h3{font-family:var(--serif);font-weight:500;font-size:21px;line-height:1.25}
  .card p{color:var(--muted);font-size:15px;margin-top:10px}
  .grid-index{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
  .breadcrumb{font-size:14px;color:var(--muted);margin-bottom:20px}
  .breadcrumb a{text-decoration:none;color:var(--muted)}
  .breadcrumb a:hover{color:var(--navy)}
  .breadcrumb span::before{content:"/";margin:0 8px;color:var(--line)}
  /* Formulario sobre fondo claro (descarga) */
  .form.light{background:var(--bg-alt);border:1px solid var(--line)}
  .form.light .field label,.form.light .consent label{color:var(--ink)}
  .form.light .field input{background:#fff;color:var(--ink);border-color:var(--line)}
  .form.light .field input:hover{border-color:var(--navy)}
  .form.light .consent a{color:var(--navy)}
  .form.light .form-msg{color:var(--ink)}
  .form.light .form-msg.ok{color:var(--amber-text)}
  .form.light .form-msg.err{color:#A33A3A}
  /* Calculadora */
  .calc{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:28px}
  .calc .panel{border:1px solid var(--line);border-radius:14px;padding:24px;background:var(--bg-alt)}
  .calc label{display:block;font-size:14px;font-weight:500;color:var(--navy);margin-bottom:6px}
  .calc input,.calc select{width:100%;height:46px;border:1.5px solid var(--line);border-radius:8px;padding:0 12px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
  .calc input:focus,.calc select:focus{outline:none;border-color:var(--amber);box-shadow:0 0 0 3px rgba(201,136,31,.3)}
  .calc .row{display:grid;gap:16px}
  .calc .result{display:grid;gap:14px}
  .calc .result div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding:10px 0;font-size:15px}
  .calc .result div strong{font-family:var(--serif);font-size:22px;color:var(--navy);font-weight:500;white-space:nowrap}
  .calc .result .total{border-bottom:0;padding-top:16px}
  .calc .result .total strong{font-size:30px}
  @media (min-width:1440px){
    section.article,section.related,section.article-head{min-height:0;display:block}
    .article .wrap{grid-template-columns:minmax(0,72ch) 1fr;gap:88px}
    .prose p,.prose li{font-size:18px}
  }
  @media (max-width:900px){
    .nav ul{display:none}
    .article .wrap{grid-template-columns:1fr;gap:40px}
    .aside{position:static}
    .cards,.grid-index{grid-template-columns:1fr}
    .calc{grid-template-columns:1fr}
  }
  @media (max-width:620px){
    :root{--gutter:16px;--section:72px}
    .form{padding:22px}
    .article-head{padding:48px 0 28px}
    .cta-inline{padding:26px}
  }