/* =====================================================================
   LINX FINANCE — Premium banking design system
   Estilo bancario tipo Barclays · responsive (móvil + web)
   ===================================================================== */

:root {
  /* Brand palette — escala del logo (violeta → cian) */
  --navy-900: #180a3a;
  --navy-800: #24105c;
  --navy-700: #351a7d;
  --navy-600: #4a24a6;
  --navy-500: #6733c9;
  --cyan-500: #14b6e6;
  --cyan-400: #33c8ef;
  --cyan-300: #7ce0f4;
  --violet-500: #7c3aed;
  --gold-500: #c9a24b;
  --gold-400: #d9b968;

  --ink: #1a123a;
  --slate: #52546d;
  --slate-light: #85889e;
  --line: #e5e2ef;
  --bg: #ffffff;
  --bg-soft: #f6f4fb;
  --bg-softer: #eeeaf8;

  --radius: 0;
  --radius-sm: 0;
  --radius-lg: 0;
  --shadow-sm: 0 2px 10px rgba(24, 10, 58, .06);
  --shadow-md: 0 12px 34px rgba(24, 10, 58, .14);
  --shadow-lg: 0 30px 70px rgba(24, 10, 58, .26);

  --container: 1240px;
  --header-h: 112px;

  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 600; line-height: 1.12; color: var(--navy-800); letter-spacing: -.01em; }
h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); margin: 0 0 .5em; }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.7rem); margin: 0 0 .6em; }
h3 { font-size: clamp(1.25rem, 2.2vw, 1.6rem); margin: 0 0 .5em; }
p  { margin: 0 0 1.1em; color: var(--slate); }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 24px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem;
  font-family: var(--font-sans);
  font-size: .78rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase;
  color: var(--cyan-500);
  margin-bottom: 1rem;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--cyan-500); border-radius: 2px; }

/* ===================== BUTTONS ===================== */
.btn {
  --bg: var(--navy-700);
  --fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-sans); font-weight: 600; font-size: .96rem;
  padding: .85rem 1.6rem; border-radius: 999px;
  background: var(--bg); color: var(--fg);
  border: 1.5px solid transparent; cursor: pointer;
  transition: transform .2s ease, box-shadow .25s ease, background .2s ease, color .2s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn--primary { --bg: linear-gradient(120deg, var(--cyan-500), var(--navy-600)); }
.btn--dark { --bg: var(--navy-800); }
.btn--gold { --bg: linear-gradient(120deg, var(--gold-500), var(--gold-400)); --fg: var(--navy-900); }
.btn--ghost { --bg: transparent; --fg: var(--navy-800); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy-600); }
.btn--light { --bg: #fff; --fg: var(--navy-800); }
.btn--sm { padding: .6rem 1.15rem; font-size: .86rem; }
.btn--block { width: 100%; }

/* ===================== HEADER ===================== */
.topbar {
  background: var(--navy-900);
  color: #cdd9e6;
  font-size: .8rem;
}
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; height: 40px; white-space: nowrap; }
.topbar a { color: #cdd9e6; transition: color .2s; }
.topbar a:hover { color: #fff; }
.topbar__links { display: flex; align-items: center; gap: 1.4rem; }
.topbar__region { display: inline-flex; align-items: center; gap: .4rem; overflow: hidden; text-overflow: ellipsis; }
.topbar__region svg { flex-shrink: 0; width: 15px; height: 15px; }

/* Language switcher (ES · EN · FR) */
.lang-switch { display: inline-flex; align-items: center; border: 1px solid rgba(255,255,255,.22); overflow: hidden; }
.lang-switch button {
  font: inherit; font-size: .72rem; font-weight: 700; letter-spacing: .04em;
  padding: .28rem .5rem; background: transparent; color: #cdd9e6; border: 0; cursor: pointer;
  transition: background .18s, color .18s;
}
.lang-switch button + button { border-left: 1px solid rgba(255,255,255,.18); }
.lang-switch button:hover { color: #fff; }
.lang-switch button.is-active { background: var(--cyan-500); color: #fff; }

/* Variante para el panel móvil (fondo claro) */
.mobile-menu__foot .lang-switch { width: 100%; border-color: var(--line); }
.mobile-menu__foot .lang-switch button { flex: 1; color: var(--navy-800); padding: .6rem; font-size: .82rem; }
.mobile-menu__foot .lang-switch button + button { border-left-color: var(--line); }
.mobile-menu__foot .lang-switch button:hover { color: var(--cyan-500); }
.mobile-menu__foot .lang-switch button.is-active { background: var(--cyan-500); color: #fff; }

.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px; gap: 1rem;
}
.brand { display: inline-flex; align-items: center; gap: .7rem; flex-shrink: 0; }
.brand__logo { height: 44px; width: auto; display: block; }
.site-header .brand__logo { filter: drop-shadow(0 1px 2px rgba(24,10,58,.45)); }
.brand--footer .brand__logo { height: 54px; }
.brand__mark { width: 40px; height: 40px; flex-shrink: 0; }
.brand__name { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; color: var(--navy-800); letter-spacing: -.02em; }
.brand__name span { color: var(--cyan-500); }

.nav__menu { display: flex; align-items: center; gap: .1rem; height: 100%; margin: 0; padding: 0; list-style: none; }
.nav__item { position: relative; height: 100%; display: flex; align-items: center; }
.nav__link {
  display: inline-flex; align-items: center; gap: .35rem;
  font-weight: 600; font-size: .88rem; color: var(--navy-800);
  padding: .5rem .55rem; border-radius: 8px; cursor: pointer;
  transition: color .2s, background .2s; white-space: nowrap;
}
.nav__link:hover, .nav__item.is-open .nav__link { color: var(--cyan-500); background: var(--bg-soft); }
.nav__link .caret { width: 10px; height: 10px; transition: transform .25s; opacity: .6; }
.nav__item.is-open .caret { transform: rotate(180deg); }
.nav__link.is-active { color: var(--cyan-500); }
.nav__link.is-active::after {
  content: ""; position: absolute; left: .8rem; right: .8rem; bottom: 14px; height: 2px;
  background: var(--cyan-500); border-radius: 2px;
}

.nav__actions { display: flex; align-items: center; gap: .6rem; flex-shrink: 0; }

/* Mega menu */
.mega {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(12px);
  min-width: 300px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 1rem; opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .22s ease, transform .22s ease;
}
.nav__item.is-open .mega { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(8px); }
.mega--wide { min-width: 560px; }
.mega__grid { display: grid; gap: .2rem; }
.mega--wide .mega__grid { grid-template-columns: 1fr 1fr; gap: .2rem 1.4rem; }
.mega__link {
  display: flex; align-items: flex-start; gap: .75rem;
  padding: .6rem .7rem; border-radius: 10px; transition: background .18s;
}
.mega__link:hover { background: var(--bg-soft); }
.mega__ico { width: 34px; height: 34px; flex-shrink: 0; border-radius: 9px; display: grid; place-items: center; background: var(--bg-softer); color: var(--cyan-500); }
.mega__ico svg { width: 18px; height: 18px; }
.mega__t { font-weight: 600; font-size: .92rem; color: var(--navy-800); display: block; }
.mega__d { font-size: .78rem; color: var(--slate-light); }
.mega__foot { margin-top: .6rem; padding-top: .8rem; border-top: 1px solid var(--line); display: flex; justify-content: space-between; align-items: center; font-size: .85rem; }

/* Mobile toggle */
.nav__burger { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; }
.nav__burger span, .nav__burger span::before, .nav__burger span::after {
  content: ""; display: block; width: 20px; height: 2px; background: var(--navy-800); border-radius: 2px; margin: 0 auto; position: relative; transition: .25s;
}
.nav__burger span::before { position: absolute; top: -6px; }
.nav__burger span::after { position: absolute; top: 6px; }
body.menu-open .nav__burger span { background: transparent; }
body.menu-open .nav__burger span::before { top: 0; transform: rotate(45deg); }
body.menu-open .nav__burger span::after { top: 0; transform: rotate(-45deg); }

/* ===================== HERO ===================== */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 600px at 80% -10%, rgba(20,182,230,.30), transparent 60%),
    radial-gradient(900px 500px at 0% 110%, rgba(124,58,237,.45), transparent 55%),
    linear-gradient(160deg, rgba(20,8,52,.94), rgba(45,18,120,.9) 55%, rgba(74,36,166,.82)),
    url("https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?auto=format&fit=crop&w=1600&q=80") center/cover no-repeat;
  color: #eaf2fb;
}
.hero__inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; padding: clamp(3rem, 6vw, 6rem) 0; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; color: var(--cyan-300); }
.hero p.lead { font-size: 1.15rem; color: #c6d6e8; max-width: 32rem; }
.hero .eyebrow { color: var(--cyan-300); }
.hero .eyebrow::before { background: var(--cyan-300); }
.hero__cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.8rem; }
.hero__stats { display: flex; gap: 2.4rem; margin-top: 2.6rem; flex-wrap: wrap; }
.hero__stat .n { font-family: var(--font-display); font-size: 2rem; font-weight: 600; color: #fff; }
.hero__stat .l { font-size: .82rem; color: #9fb6cf; letter-spacing: .04em; }

.hero__card {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius-lg); padding: 1.6rem; backdrop-filter: blur(6px);
  box-shadow: var(--shadow-lg);
}
.hero__card h3 { color: #fff; }
.ticker { display: grid; gap: .55rem; }
.ticker__row { display: grid; grid-template-columns: 1fr auto auto; align-items: center; gap: 1rem; padding: .7rem .9rem; background: rgba(255,255,255,.06); border-radius: 12px; }
.ticker__sym { font-weight: 700; color: #fff; font-size: .92rem; }
.ticker__sym small { display: block; font-weight: 500; color: #9fb6cf; font-size: .72rem; }
.ticker__px { color: #dfeaf6; font-variant-numeric: tabular-nums; }
.ticker__chg { font-weight: 700; font-size: .85rem; font-variant-numeric: tabular-nums; }
.up { color: #46d69f; } .down { color: #ff7a8a; }

/* Hero: columna visual con varios elementos */
.hero__aside { display: grid; gap: 1.2rem; }
.hero__media {
  position: relative; overflow: hidden; min-height: 190px;
  border: 1px solid rgba(255,255,255,.16); box-shadow: var(--shadow-lg);
  background: linear-gradient(160deg, var(--navy-700), var(--navy-600));
}
.hero__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(160deg, rgba(24,10,58,.35), rgba(0,180,216,.28)); }
.hero__badge {
  position: absolute; left: 14px; bottom: 14px; z-index: 2;
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(6,34,63,.72); color: #fff; font-size: .76rem; font-weight: 600;
  padding: .4rem .7rem; backdrop-filter: blur(4px);
}
.hero__badge::before { content: ""; width: 8px; height: 8px; background: #46d69f; box-shadow: 0 0 0 3px rgba(70,214,159,.3); }
/* Franja de confianza (multi-elemento) */
.hero__trust {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem;
  margin-top: 2.4rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,.14);
}
.hero__trust-i { display: flex; align-items: center; gap: .7rem; }
.hero__trust-i svg { width: 26px; height: 26px; color: var(--cyan-300); flex-shrink: 0; }
.hero__trust-i strong { display: block; color: #fff; font-size: .92rem; }
.hero__trust-i span { color: #9fb6cf; font-size: .78rem; }

/* Banda de imagen reutilizable */
.imgband { position: relative; overflow: hidden; min-height: 340px; background: var(--navy-700); box-shadow: var(--shadow-md); }
.imgband img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.imgband::after { content: ""; position: absolute; inset: 0; background: linear-gradient(160deg, rgba(24,10,58,.55), rgba(74,36,166,.42)); }

/* ===================== SECTIONS ===================== */
.section { padding: clamp(3.5rem, 7vw, 6.5rem) 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: linear-gradient(160deg, var(--navy-800), var(--navy-700)); color: #dfeaf6; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy p { color: #b9cbe0; }
.section__head { max-width: 46rem; margin-bottom: 3rem; }
.section__head.center { margin-inline: auto; text-align: center; }

/* Card grid */
.grid { display: grid; gap: 1.4rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem; box-shadow: var(--shadow-sm);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #cfe6ef; }
.card__ico { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 1.1rem;
  background: linear-gradient(135deg, rgba(20,182,230,.16), rgba(124,58,237,.16)); color: var(--navy-600); }
.card__ico svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: .4rem; }
.card p { font-size: .95rem; margin-bottom: .8rem; }
.card__link { font-weight: 600; color: var(--cyan-500); font-size: .9rem; display: inline-flex; align-items: center; gap: .35rem; }
.card__link svg { width: 15px; height: 15px; transition: transform .2s; }
.card:hover .card__link svg { transform: translateX(3px); }

/* Feature split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 3.5rem; align-items: center; }
.split__media { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); background: var(--navy-700); aspect-ratio: 4/3; position: relative; }
.checklist { list-style: none; padding: 0; margin: 1.2rem 0 0; display: grid; gap: .8rem; }
.checklist li { display: flex; gap: .7rem; align-items: flex-start; color: var(--slate); font-size: .98rem; }
.checklist svg { width: 22px; height: 22px; flex-shrink: 0; color: var(--cyan-500); margin-top: 1px; }

/* ===================== PAGE HERO (interior) ===================== */
.pagehero {
  background:
    radial-gradient(800px 400px at 90% -20%, rgba(20,182,230,.28), transparent 60%),
    linear-gradient(160deg, rgba(24,10,58,.95), rgba(74,36,166,.86)),
    url("https://images.unsplash.com/photo-1642790106117-e829e14a795f?auto=format&fit=crop&w=1600&q=80") center/cover no-repeat;
  color: #eaf2fb; padding: clamp(3rem, 6vw, 5rem) 0 clamp(2.5rem, 5vw, 4rem);
}
.pagehero h1 { color: #fff; max-width: 20ch; }
.pagehero p { color: #c6d6e8; max-width: 44rem; font-size: 1.1rem; }
.crumbs { display: flex; gap: .5rem; align-items: center; font-size: .82rem; color: #9fb6cf; margin-bottom: 1.4rem; }
.crumbs a:hover { color: #fff; }
.crumbs span { opacity: .5; }

/* Prose (content pages) */
.prose { max-width: 62rem; }
.prose h2 { margin-top: 2.4rem; }
.prose h3 { margin-top: 1.8rem; color: var(--navy-700); }
.prose p, .prose li { color: var(--slate); font-size: 1.02rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .5rem; }
.prose strong { color: var(--navy-800); }

/* Account / pricing cards */
.plan {
  position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2rem 1.8rem; box-shadow: var(--shadow-sm); display: flex; flex-direction: column;
  transition: transform .25s, box-shadow .25s;
}
.plan:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.plan--featured { border: 1.5px solid var(--cyan-400); box-shadow: var(--shadow-md); }
.plan__tag { position: absolute; top: -13px; left: 50%; transform: translateX(-50%); background: linear-gradient(120deg, var(--cyan-500), var(--navy-600)); color: #fff; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; padding: .35rem 1rem; border-radius: 999px; }
.plan__name { font-family: var(--font-display); font-size: 1.4rem; color: var(--navy-800); }
.plan__price { font-family: var(--font-display); font-size: 2.4rem; color: var(--navy-800); margin: .4rem 0 .1rem; }
.plan__price small { font-size: .9rem; color: var(--slate-light); font-family: var(--font-sans); font-weight: 500; }
.plan__feat { list-style: none; padding: 0; margin: 1.2rem 0; display: grid; gap: .7rem; }
.plan__feat li { display: flex; gap: .6rem; font-size: .92rem; color: var(--slate); }
.plan__feat svg { width: 19px; height: 19px; color: var(--cyan-500); flex-shrink: 0; }
.plan .btn { margin-top: auto; }

/* Pills / tabs anchor nav */
.subnav { position: sticky; top: 72px; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.subnav__inner { display: flex; gap: .4rem; overflow-x: auto; padding: .7rem 0; scrollbar-width: none; }
.subnav__inner::-webkit-scrollbar { display: none; }
.subnav a { flex-shrink: 0; padding: .5rem 1rem; border-radius: 999px; font-size: .88rem; font-weight: 600; color: var(--slate); white-space: nowrap; }
.subnav a:hover, .subnav a.is-active { background: var(--navy-700); color: #fff; }

/* Stats band */
.statband { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; }
.statband__i { text-align: center; }
.statband__n { font-family: var(--font-display); font-size: clamp(2rem,3vw,2.8rem); color: #fff; }
.statband__l { color: #9fb6cf; font-size: .85rem; letter-spacing: .04em; }

/* CTA band */
.cta {
  background:
    radial-gradient(700px 300px at 15% 20%, rgba(20,182,230,.32), transparent 60%),
    linear-gradient(120deg, rgba(36,16,92,.95), rgba(74,36,166,.9)),
    url("https://images.unsplash.com/photo-1560221328-12fe60f83ab8?auto=format&fit=crop&w=1600&q=80") center/cover no-repeat;
  border-radius: var(--radius-lg); padding: clamp(2.5rem,5vw,4rem); text-align: center; color: #fff;
  box-shadow: var(--shadow-md);
}
.cta h2 { color: #fff; }
.cta p { color: #c6d6e8; max-width: 40rem; margin-inline: auto; }
.cta__row { display: flex; gap: .8rem; justify-content: center; flex-wrap: wrap; margin-top: 1.6rem; }

/* Calculator */
.calc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow-sm); }
.field { margin-bottom: 1.2rem; }
.field label { display: block; font-weight: 600; font-size: .9rem; color: var(--navy-800); margin-bottom: .45rem; }
.field input, .field select {
  width: 100%; padding: .85rem 1rem; border: 1.5px solid var(--line); border-radius: 12px;
  font: inherit; color: var(--ink); background: #fff; transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--cyan-400); box-shadow: 0 0 0 4px rgba(0,180,216,.14); }
.field .range { display: flex; justify-content: space-between; font-size: .78rem; color: var(--slate-light); margin-top: .3rem; }
.calc__result { margin-top: 1.5rem; padding: 1.4rem; border-radius: 14px; background: var(--navy-800); color: #fff; }
.calc__result .big { font-family: var(--font-display); font-size: 2.2rem; }
.calc__result .lbl { color: #9fb6cf; font-size: .82rem; }
.calc__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1rem; }

/* Dictionary */
.dict-search { position: relative; max-width: 34rem; margin-bottom: 1.4rem; }
.dict-search input { width: 100%; padding: 1rem 1rem 1rem 3rem; border: 1.5px solid var(--line); border-radius: 999px; font: inherit; }
.dict-search input:focus { outline: none; border-color: var(--cyan-400); box-shadow: 0 0 0 4px rgba(0,180,216,.14); }
.dict-search svg { position: absolute; left: 1.1rem; top: 50%; transform: translateY(-50%); width: 20px; height: 20px; color: var(--slate-light); }
.dict-az { display: flex; flex-wrap: wrap; gap: .35rem; margin-bottom: 1.8rem; }
.dict-az button { width: 36px; height: 36px; border: 1px solid var(--line); background: #fff; border-radius: 9px; font-weight: 700; color: var(--navy-700); cursor: pointer; transition: .18s; }
.dict-az button:hover:not(:disabled) { background: var(--navy-700); color: #fff; }
.dict-az button:disabled { opacity: .3; cursor: default; }
.dict-list { display: grid; gap: 1rem; }
.dict-term { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem 1.4rem; box-shadow: var(--shadow-sm); }
.dict-term dt { font-weight: 700; color: var(--navy-800); font-size: 1.02rem; margin-bottom: .3rem; }
.dict-term dd { margin: 0; color: var(--slate); font-size: .95rem; }
.dict-empty { padding: 2rem; text-align: center; color: var(--slate-light); }

/* Accordion */
.acc { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; }
.acc__item + .acc__item { border-top: 1px solid var(--line); }
.acc__head { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 1.2rem 1.4rem; font: inherit; font-weight: 600; color: var(--navy-800); display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.acc__head .plus { width: 22px; height: 22px; flex-shrink: 0; transition: transform .25s; color: var(--cyan-500); }
.acc__item.is-open .plus { transform: rotate(45deg); }
.acc__body { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc__body-inner { padding: 0 1.4rem 1.3rem; color: var(--slate); }

/* Forms (contact / login) */
.formcard { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.6rem,3vw,2.6rem); box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
textarea.field-input, .field textarea { width: 100%; padding: .85rem 1rem; border: 1.5px solid var(--line); border-radius: 12px; font: inherit; min-height: 120px; resize: vertical; }
.form-note { font-size: .82rem; color: var(--slate-light); }
.check-inline { display: flex; align-items: flex-start; gap: .6rem; font-size: .85rem; color: var(--slate); }

/* Badges */
.badge { display: inline-flex; align-items: center; gap: .4rem; font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: .3rem .7rem; border-radius: 999px; background: var(--bg-softer); color: var(--navy-600); }
.badge--cyan { background: rgba(20,182,230,.14); color: #0e8fb5; }
.badge--gold { background: rgba(201,162,75,.16); color: #97731f; }

/* ===================== FOOTER ===================== */
.site-footer { background: var(--navy-900); color: #a9bfd6; padding-top: 4rem; }
.footer__top { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 2rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer__brand .brand__name { color: #fff; }
.footer__brand p { color: #8fa6bf; font-size: .9rem; margin-top: 1rem; max-width: 24rem; }
.footer__social { display: flex; gap: .6rem; margin-top: 1.4rem; }
.footer__social a { width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center; background: rgba(255,255,255,.06); color: #cdd9e6; transition: .2s; }
.footer__social a:hover { background: var(--cyan-500); color: #fff; }
.footer__col h4 { color: #fff; font-family: var(--font-sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1rem; }
.footer__col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.footer__col a { color: #a9bfd6; font-size: .9rem; transition: color .2s; }
.footer__col a:hover { color: #fff; }
.footer__regions { display: flex; flex-wrap: wrap; gap: 1.2rem; padding: 1.6rem 0; border-bottom: 1px solid rgba(255,255,255,.1); font-size: .85rem; }
.footer__regions span { color: #7e97b2; }
.footer__disclaimer { padding: 1.8rem 0; font-size: .78rem; color: #7e97b2; line-height: 1.7; }
.footer__bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem; padding: 1.4rem 0 2.4rem; font-size: .82rem; border-top: 1px solid rgba(255,255,255,.1); }
.footer__bottom a { color: #a9bfd6; } .footer__bottom a:hover { color: #fff; }

/* Risk ribbon */
.risk-ribbon { background: #201050; color: #b6a9e0; font-size: .76rem; text-align: center; padding: .6rem 1rem; border-top: 1px solid rgba(255,255,255,.08); }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* Utilities */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.muted { color: var(--slate-light); }
.divider { height: 1px; background: var(--line); border: 0; margin: 2.5rem 0; }

/* ===================== MOBILE MENU PANEL ===================== */
.mobile-menu {
  position: fixed; inset: 0 0 0 auto; width: min(88vw, 400px);
  background: #fff; z-index: 1200; transform: translateX(100%); transition: transform .3s ease;
  display: flex; flex-direction: column; box-shadow: var(--shadow-lg); overflow-y: auto;
}
body.menu-open .mobile-menu { transform: none; }
.mobile-menu__head { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.2rem; border-bottom: 1px solid var(--line); }
.mobile-menu__close { width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 10px; background: #fff; font-size: 1.4rem; line-height: 1; cursor: pointer; color: var(--navy-800); }
.m-acc { border-bottom: 1px solid var(--line); }
.m-acc__head { width: 100%; background: none; border: 0; font: inherit; font-weight: 600; color: var(--navy-800); padding: 1rem 1.2rem; display: flex; justify-content: space-between; align-items: center; cursor: pointer; }
.m-acc__head svg { width: 18px; height: 18px; transition: transform .25s; color: var(--slate-light); }
.m-acc.is-open .m-acc__head svg { transform: rotate(180deg); }
.m-acc__body { max-height: 0; overflow: hidden; transition: max-height .3s ease; background: var(--bg-soft); }
.m-acc__body a { display: block; padding: .7rem 1.6rem; font-size: .92rem; color: var(--slate); }
.m-acc__body a:hover { color: var(--cyan-500); }
.m-simple { display: block; padding: 1rem 1.2rem; font-weight: 600; color: var(--navy-800); border-bottom: 1px solid var(--line); }
.mobile-menu__foot { margin-top: auto; padding: 1.2rem; display: grid; gap: .6rem; }
.backdrop { position: fixed; inset: 0; background: rgba(24,10,58,.55); z-index: 1100; opacity: 0; visibility: hidden; transition: .3s; }
body.menu-open .backdrop { opacity: 1; visibility: visible; }

/* ===================== RESPONSIVE ===================== */
@media (max-width: 1080px) {
  .footer__top { grid-template-columns: 1fr 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}
@media (max-width: 960px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__trust { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .statband { grid-template-columns: repeat(2,1fr); gap: 2rem; }
  .subnav { top: 72px; }
}
@media (max-width: 1240px) {
  .nav__menu, .nav__actions .btn { display: none; }
  .nav__burger { display: block; }
}
@media (max-width: 680px) {
  .topbar__links a { display: none; }
  .topbar__inner { gap: .6rem; }
  .topbar__region { font-size: .72rem; }
  .hero__trust { grid-template-columns: 1fr; gap: .8rem; }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .calc__grid { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr 1fr; }
  .hero__stats { gap: 1.6rem; }
  .statband { grid-template-columns: 1fr 1fr; }
}

/* ===================== ESQUINAS RECTAS (sin redondeos) ===================== */
*, *::before, *::after { border-radius: 0 !important; }