/* =========================================================
   PATRIMONIO 90 — Estilos principales
   Tipografía: Inter (sans) + Playfair Display (serif decorativo)
   Paleta: Blanco base | Azul marino (#0B2342) | Dorado (#C9A84C) | Verde oscuro (#1A4A3A)
   ========================================================= */

/* ---- Reset y Variables ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0B2342;
  --navy-light: #1a3a5c;
  --navy-dark:  #071829;
  --gold:       #C9A84C;
  --gold-light: #e8c97a;
  --gold-dark:  #a07d2e;
  --green:      #1A4A3A;
  --green-light:#2d7a5e;
  --white:      #ffffff;
  --off-white:  #F8F9FB;
  --gray-50:    #F9FAFB;
  --gray-100:   #F3F4F6;
  --gray-200:   #E5E7EB;
  --gray-400:   #9CA3AF;
  --gray-600:   #4B5563;
  --gray-800:   #1F2937;
  --danger:     #DC2626;
  --success:    #16A34A;

  --font-sans:   'Inter', system-ui, -apple-system, sans-serif;
  --font-serif:  'Playfair Display', Georgia, serif;

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  28px;

  --shadow-sm:  0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 16px rgba(0,0,0,.08), 0 2px 6px rgba(0,0,0,.04);
  --shadow-lg:  0 10px 40px rgba(0,0,0,.10), 0 4px 12px rgba(0,0,0,.06);
  --shadow-xl:  0 20px 60px rgba(0,0,0,.12), 0 8px 24px rgba(0,0,0,.08);

  --transition: 250ms cubic-bezier(.4,0,.2,1);
  --navbar-h:   72px;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--gray-800);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
ul { list-style: none; }
em { font-style: italic; }
strong { font-weight: 600; }

/* ---- Utilidades ---- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }
.section--alt { background: var(--off-white); }
.section--dark { background: var(--navy-dark); }

.section__header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 64px;
}

.section__eyebrow {
  display: inline-block;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section__eyebrow--light { color: var(--gold-light); }

.section__title {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 16px;
}

.section__title--light { color: var(--white); }

.section__subtitle {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: .9375rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  padding: .625rem 1.375rem;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
  letter-spacing: .01em;
  white-space: nowrap;
}

.btn--lg { padding: .875rem 2rem; font-size: 1rem; border-radius: var(--radius-md); }
.btn--full { width: 100%; }

.btn--primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 2px 8px rgba(11,35,66,.2);
}
.btn--primary:hover, .btn--primary:focus-visible {
  background: var(--navy-light);
  box-shadow: 0 4px 16px rgba(11,35,66,.3);
  transform: translateY(-1px);
}

.btn--outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn--outline:hover, .btn--outline:focus-visible {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
}

.btn--gold {
  background: var(--gold);
  color: var(--navy-dark);
  box-shadow: 0 2px 8px rgba(201,168,76,.3);
}
.btn--gold:hover, .btn--gold:focus-visible {
  background: var(--gold-light);
  box-shadow: 0 4px 16px rgba(201,168,76,.4);
  transform: translateY(-1px);
}

/* Focus global */
:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

/* =================== NAVBAR =================== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--navbar-h);
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow var(--transition);
}

.navbar--scrolled { box-shadow: var(--shadow-md); }

.navbar__inner {
  display: flex;
  align-items: center;
  gap: 2rem;
  height: 100%;
}

.navbar__logo { display: flex; align-items: center; margin-right: auto; }

.navbar__logo-img {
  height: 48px;
  width: auto;
  object-fit: contain;
  display: block;
}

.footer__logo-img {
  height: 64px;
  width: auto;
  object-fit: contain;
  display: block;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  padding: 6px 10px;
  margin-bottom: .75rem;
}

.logo-placeholder {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-placeholder__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--navy);
  color: var(--gold);
  font-size: .8rem;
  font-weight: 800;
  border-radius: var(--radius-sm);
  letter-spacing: .05em;
}

.logo-placeholder__text {
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -.01em;
}

.logo-placeholder__text strong {
  font-weight: 800;
}

.logo-placeholder--footer .logo-placeholder__icon {
  background: var(--gold);
  color: var(--navy-dark);
}

.logo-placeholder--footer .logo-placeholder__text { color: var(--white); }

.navbar__list {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.navbar__link {
  font-size: .9rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: color var(--transition);
  position: relative;
}

.navbar__link::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.navbar__link:hover,
.navbar__link:focus-visible { color: var(--navy); }
.navbar__link:hover::after { transform: scaleX(1); }

.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  margin-left: auto;
}

.navbar__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

.navbar__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar__hamburger.open span:nth-child(2) { opacity: 0; }
.navbar__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.mobile-nav {
  position: fixed;
  top: var(--navbar-h);
  left: 0; right: 0; bottom: 0;
  background: var(--white);
  z-index: 999;
  padding: 32px 24px;
  transform: translateX(100%);
  transition: transform var(--transition);
  overflow-y: auto;
}

.mobile-nav.open {
  transform: translateX(0);
}

.mobile-nav__list { display: flex; flex-direction: column; gap: 1.5rem; }

.mobile-nav__link {
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy);
  display: block;
  padding: .5rem 0;
  border-bottom: 1px solid var(--gray-100);
}

/* =================== HERO =================== */
.hero {
  min-height: 100vh;
  padding-top: calc(var(--navbar-h) + 60px);
  padding-bottom: 80px;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 75% 40%, rgba(11,35,66,.04) 0%, transparent 70%),
    radial-gradient(ellipse 40% 40% at 20% 80%, rgba(201,168,76,.06) 0%, transparent 70%);
  pointer-events: none;
}

.hero__content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero__eyebrow {
  display: inline-block;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  padding: 4px 12px;
  border: 1px solid rgba(201,168,76,.3);
  border-radius: 100px;
  background: rgba(201,168,76,.05);
}

.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--navy);
  margin-bottom: 24px;
}

.hero__title em {
  color: var(--gold);
  font-style: italic;
}

.hero__subtitle {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.75;
  max-width: 520px;
  margin-bottom: 40px;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 20px 0;
  border-top: 1px solid var(--gray-200);
}

.hero__trust-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.hero__trust-number {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}

.hero__trust-label {
  font-size: .75rem;
  color: var(--gray-400);
  font-weight: 500;
}

.hero__trust-divider {
  width: 1px;
  height: 40px;
  background: var(--gray-200);
}

/* Hero visual - tarjetas flotantes */
.hero__visual {
  position: relative;
  height: 460px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero__card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 24px;
  border: 1px solid var(--gray-100);
}

.hero__card--main {
  width: 260px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  z-index: 2;
}

.hero__card--secondary {
  width: 180px;
  top: 12%;
  right: 5%;
  z-index: 3;
  animation: float 4s ease-in-out infinite;
}

.hero__card--tertiary {
  width: 180px;
  bottom: 12%;
  left: 5%;
  z-index: 3;
  animation: float 4s ease-in-out infinite 2s;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.hero__card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: rgba(11,35,66,.07);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 12px;
}

.hero__card-icon--green { background: rgba(26,74,58,.1); color: var(--green); }
.hero__card-icon--gold { background: rgba(201,168,76,.1); color: var(--gold-dark); }

.hero__card-label { font-size: .75rem; color: var(--gray-400); font-weight: 500; margin-bottom: 4px; }
.hero__card-value { font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-bottom: 10px; }
.hero__card-bar { height: 6px; background: var(--gray-100); border-radius: 3px; margin-bottom: 6px; }
.hero__card-fill { height: 100%; background: linear-gradient(90deg, var(--navy), var(--gold)); border-radius: 3px; }
.hero__card-sub { font-size: .7rem; color: var(--gray-400); }

.hero__scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  font-size: .75rem;
  color: var(--gray-400);
  font-weight: 500;
}

.hero__scroll-arrow {
  width: 20px;
  height: 20px;
  border-right: 2px solid var(--gray-400);
  border-bottom: 2px solid var(--gray-400);
  transform: rotate(45deg);
  animation: scrollBounce 1.5s ease-in-out infinite;
}

@keyframes scrollBounce {
  0%, 100% { transform: rotate(45deg) translateY(0); }
  50% { transform: rotate(45deg) translateY(4px); }
}

/* =================== PARTNERS =================== */
.partners {
  padding: 40px 0;
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
}

.partners__label {
  text-align: center;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 24px;
}

.partners__logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.partners__logo-item {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--gray-400);
  letter-spacing: .05em;
  transition: color var(--transition);
}

.partners__logo-item:hover { color: var(--navy); }

.partners__logo-item--p360 {
  color: var(--navy);
  font-size: 1rem;
  border: 1.5px solid var(--gold);
  border-radius: 6px;
  padding: .25rem .75rem;
}
.partners__logo-item--p360 em {
  font-style: italic;
  color: var(--gold);
  font-weight: 400;
}

/* =================== SERVICES =================== */
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.service-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  flex-shrink: 0;
}

.service-card__icon--blue  { background: rgba(11,35,66,.08); color: var(--navy); }
.service-card__icon--gold  { background: rgba(201,168,76,.12); color: var(--gold-dark); }
.service-card__icon--green { background: rgba(26,74,58,.1); color: var(--green); }
.service-card__icon--navy  { background: rgba(11,35,66,.06); color: var(--navy-light); }

.service-card__title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.3;
}

.service-card__desc {
  font-size: .9rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 20px;
  flex: 1;
}

.service-card__features {
  list-style: none;
  margin-bottom: 24px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.service-card__features li {
  font-size: .825rem;
  color: var(--gray-600);
  padding-left: 16px;
  position: relative;
}

.service-card__features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.service-card__link {
  font-size: .875rem;
  font-weight: 600;
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition), color var(--transition);
  margin-top: auto;
}

.service-card__link:hover { gap: 10px; color: var(--gold-dark); }

/* =================== CALCULADORAS =================== */
.calc-tabs {
  display: flex;
  gap: 8px;
  background: var(--gray-100);
  padding: 6px;
  border-radius: var(--radius-md);
  margin-bottom: 40px;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  flex-wrap: wrap;
}

.calc-tab {
  flex: 1;
  padding: .625rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: .875rem;
  font-weight: 500;
  color: var(--gray-600);
  background: transparent;
  transition: background var(--transition), color var(--transition), box-shadow var(--transition);
  white-space: nowrap;
  text-align: center;
}

.calc-tab--active, .calc-tab:focus-visible {
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
  box-shadow: var(--shadow-sm);
}

.calc-panel { display: none; }
.calc-panel--active { display: block; }

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.calc-title {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.calc-description {
  font-size: .9rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 28px;
}

.calc-form { display: flex; flex-direction: column; gap: 20px; }

/* Form elements */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-label {
  font-size: .8125rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: .01em;
}

.form-label--light { color: var(--gray-200); }

.form-input {
  padding: .625rem .875rem;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: .9375rem;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}

.form-input:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(11,35,66,.1);
}

.form-input--light {
  background: rgba(255,255,255,.07);
  border-color: rgba(255,255,255,.15);
  color: var(--white);
}

.form-input--light::placeholder { color: rgba(255,255,255,.4); }
.form-input--light:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,.15); }

.form-select { appearance: none; cursor: pointer; }
.form-textarea { resize: vertical; min-height: 100px; }

.form-hint {
  font-size: .75rem;
  color: var(--gray-400);
  line-height: 1.4;
}

.form-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}

.form-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--navy);
  cursor: pointer;
}

.form-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: .75rem;
  color: var(--gray-400);
  margin-top: 4px;
}

.form-range-value {
  font-weight: 700;
  color: var(--navy);
}

/* Calc results */
.calc-result-col {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  padding: 32px;
  box-shadow: var(--shadow-md);
  min-height: 320px;
}

.calc-result-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  color: var(--gray-400);
  text-align: center;
  min-height: 280px;
}

.calc-result-placeholder p { max-width: 260px; font-size: .9rem; line-height: 1.6; }

.result-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}

.result-card {
  border-radius: var(--radius-md);
  padding: 16px;
  border: 1px solid transparent;
}

.result-card--primary {
  background: var(--navy);
  color: var(--white);
  grid-column: 1 / -1;
}

.result-card--secondary {
  background: rgba(201,168,76,.1);
  border-color: rgba(201,168,76,.2);
}

.result-card--info {
  background: var(--gray-50);
  border-color: var(--gray-100);
}

.result-card--warning {
  background: rgba(220,38,38,.06);
  border-color: rgba(220,38,38,.15);
}

.result-card__label {
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  opacity: .7;
  margin-bottom: 6px;
}

.result-card__value {
  font-size: 1.25rem;
  font-weight: 800;
  line-height: 1;
}

.result-card--primary .result-card__label { color: rgba(255,255,255,.7); }
.result-card--primary .result-card__value { color: var(--gold-light); font-size: 1.5rem; }
.result-card--secondary .result-card__value { color: var(--gold-dark); }
.result-card--info .result-card__value { color: var(--navy); }
.result-card--warning .result-card__value { color: var(--danger); }

.chart-wrapper {
  position: relative;
  height: 200px;
  margin-bottom: 16px;
}

.calc-disclaimer {
  font-size: .7rem;
  color: var(--gray-400);
  line-height: 1.5;
  border-top: 1px solid var(--gray-100);
  padding-top: 12px;
}

/* IMSS Semanas status */
.afore-semanas-status {
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
  font-size: .85rem;
  font-weight: 500;
}

.afore-semanas-status.ok { background: rgba(22,163,74,.08); color: #166534; border-left: 3px solid var(--success); }
.afore-semanas-status.warn { background: rgba(234,179,8,.08); color: #854d0e; border-left: 3px solid #ca8a04; }
.afore-semanas-status.err { background: rgba(220,38,38,.06); color: #991b1b; border-left: 3px solid var(--danger); }

/* Ley 73 vs 97 */
.ley-layout {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 48px;
  align-items: start;
}

.ley-form { display: flex; gap: 16px; align-items: flex-end; margin-top: 24px; flex-wrap: wrap; }
.ley-form .form-group { flex: 1; min-width: 160px; }
.ley-form .btn { white-space: nowrap; align-self: flex-end; }

.ley-result {
  margin-top: 28px;
  padding: 24px;
  background: var(--gray-50);
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-100);
}

.ley-result__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  border-radius: 100px;
  font-size: .8125rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.ley-badge--73 { background: rgba(11,35,66,.1); color: var(--navy); }
.ley-badge--97 { background: rgba(26,74,58,.1); color: var(--green); }
.ley-badge--ambas { background: rgba(201,168,76,.15); color: var(--gold-dark); }

.ley-result__text p { font-size: .9rem; color: var(--gray-600); line-height: 1.7; margin-bottom: 8px; }
.ley-result__text strong { color: var(--navy); }

.ley-table-wrapper { overflow-x: auto; }

.ley-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}

.ley-table th {
  padding: 12px 16px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  text-align: left;
  background: var(--gray-50);
  border-bottom: 2px solid var(--gray-200);
}

.ley-table th.ley-73 { color: var(--navy); }
.ley-table th.ley-97 { color: var(--green); }

.ley-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-600);
  vertical-align: top;
}

.ley-table td.ley-73 { color: var(--navy-light); font-weight: 500; }
.ley-table td.ley-97 { color: var(--green); font-weight: 500; }

.ley-table tr:hover td { background: var(--gray-50); }
.ley-table tr:last-child td { border-bottom: none; }

/* =================== INFO PENSIONES =================== */
.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}

.info-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background: rgba(11,35,66,.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 20px;
}

.info-card__title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
  width: 100%;
}

.info-card__body {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.info-card__body p {
  font-size: .9rem;
  color: var(--gray-600);
  line-height: 1.7;
}

.info-card__body h4 {
  font-size: .875rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  margin-top: 4px;
}

.info-card__body ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.info-card__body ul li {
  font-size: .875rem;
  color: var(--gray-600);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}

.info-card__body ul li::before {
  content: '›';
  position: absolute;
  left: 4px;
  color: var(--gold);
  font-weight: 700;
}

.info-card__note {
  background: rgba(201,168,76,.08);
  border-left: 3px solid var(--gold);
  padding: 12px 16px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: .825rem;
  color: var(--gray-600);
  line-height: 1.6;
}

/* Comparison mini */
.comparison-mini {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.comparison-mini__title {
  font-size: .875rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--gray-200);
}

/* Subcuentas */
.subcuentas-grid {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.subcuenta-item {
  padding: 14px 16px;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--navy);
}

.subcuenta-item h4 {
  font-size: .8125rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.subcuenta-item p {
  font-size: .825rem !important;
  line-height: 1.6 !important;
}

/* UMA values */
.uma-values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.uma-value-item {
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding: 12px 14px;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  border: 1px solid var(--gray-100);
}

.uma-label {
  font-size: .7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--gray-400);
}

.uma-amount {
  font-size: 1rem;
  font-weight: 800;
  color: var(--navy);
}

/* =================== POR QUÉ ELEGIRNOS =================== */
.why-us__layout {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: start;
}

.differentiators {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-top: 40px;
}

.differentiator {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}

.differentiator__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(11,35,66,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
  margin-top: 2px;
}

.differentiator__content h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.3;
}

.differentiator__content p {
  font-size: .875rem;
  color: var(--gray-600);
  line-height: 1.65;
}

/* Why us visual */
.why-visual-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-100);
  margin-bottom: 16px;
}

.why-visual-card__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
}

.why-visual-card__badge {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: rgba(201,168,76,.12);
  padding: 3px 10px;
  border-radius: 100px;
}

.why-visual-card__client {
  font-size: .75rem;
  color: var(--gray-400);
}

.why-visual-card__items {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 20px;
}

.why-visual-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .875rem;
  color: var(--gray-600);
}

.why-visual-item--done { color: var(--navy); }
.why-visual-item--active { color: var(--navy); font-weight: 600; }

.why-visual-item__check {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--success);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .6875rem;
  flex-shrink: 0;
}

.why-visual-item__dot {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
}

.why-visual-item__dot::after {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.why-visual-item__circle {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--gray-200);
  flex-shrink: 0;
}

.why-visual-card__progress p:first-child {
  font-size: .75rem;
  color: var(--gray-400);
  margin-bottom: 6px;
}

.progress-bar {
  height: 6px;
  background: var(--gray-100);
  border-radius: 3px;
  margin-bottom: 4px;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: 3px;
}

.progress-percent {
  font-size: .75rem;
  font-weight: 700;
  color: var(--navy);
}

.why-mini-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.why-mini-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 16px 12px;
  text-align: center;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}

.why-mini-card__num {
  display: block;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.why-mini-card__label {
  display: block;
  font-size: .65rem;
  color: var(--gray-400);
  font-weight: 500;
}

/* =================== TESTIMONIOS =================== */
.testimonios__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.testimonio-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 20px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.testimonio-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.testimonio-card__stars {
  color: var(--gold);
  font-size: 1.125rem;
  letter-spacing: 2px;
}

.testimonio-card__quote {
  font-size: .9375rem;
  color: var(--gray-600);
  line-height: 1.7;
  flex: 1;
  font-style: italic;
  border-left: 3px solid var(--gold);
  padding-left: 16px;
}

.testimonio-card__author {
  display: flex;
  align-items: center;
  gap: 14px;
  border-top: 1px solid var(--gray-100);
  padding-top: 16px;
}

.testimonio-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .05em;
  flex-shrink: 0;
}

.testimonio-card__name {
  font-size: .9rem;
  font-weight: 700;
  color: var(--navy);
  min-height: 20px;
}

.testimonio-card__role {
  font-size: .8rem;
  color: var(--gray-400);
}

.testimonios__cta {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.testimonios__cta-text {
  font-size: 1rem;
  color: var(--gray-600);
}

/* =================== CONTACTO =================== */
.contacto__layout {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: start;
}

.contacto__desc {
  font-size: 1rem;
  color: rgba(255,255,255,.7);
  line-height: 1.7;
  margin-bottom: 40px;
}

.contacto__details {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contacto__detail-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contacto__detail-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.contacto__detail-label {
  font-size: .75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.5);
  margin-bottom: 3px;
}

.contacto__detail-value {
  font-size: .9375rem;
  color: var(--white);
  line-height: 1.5;
  font-weight: 500;
}

a.contacto__detail-value:hover { color: var(--gold); }

/* Form wrapper */
.contacto__form-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-xl);
}

.contacto__form-title {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 2px solid var(--gold);
}

.contacto__form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contacto__form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  background: rgba(22,163,74,.1);
  border-radius: var(--radius-sm);
  color: #166534;
  font-weight: 600;
  font-size: .9rem;
  border: 1px solid rgba(22,163,74,.2);
}

.contacto__form-privacy {
  font-size: .75rem;
  color: var(--gray-400);
  line-height: 1.5;
  text-align: center;
}

/* =================== FOOTER =================== */
.footer {
  background: var(--navy-dark);
  color: var(--white);
  padding-top: 64px;
}

.footer__top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer__brand-desc {
  font-size: .875rem;
  color: rgba(255,255,255,.5);
  line-height: 1.7;
  margin-top: 16px;
  margin-bottom: 20px;
  max-width: 340px;
}

.footer__social {
  display: flex;
  gap: 12px;
}

.footer__social-link {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.6);
  transition: background var(--transition), color var(--transition);
}

.footer__social-link:hover { background: var(--gold); color: var(--navy-dark); }

.footer__links-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 16px;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer__links a {
  font-size: .875rem;
  color: rgba(255,255,255,.6);
  transition: color var(--transition);
}

.footer__links a:hover { color: var(--gold); }

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 0;
  gap: 20px;
  flex-wrap: wrap;
}

.footer__legal {
  font-size: .75rem;
  color: rgba(255,255,255,.35);
  line-height: 1.6;
  max-width: 640px;
}

.footer__legal-links {
  display: flex;
  gap: 20px;
  flex-shrink: 0;
}

.footer__legal-links a {
  font-size: .75rem;
  color: rgba(255,255,255,.4);
  transition: color var(--transition);
}

.footer__legal-links a:hover { color: var(--gold); }

/* =================== SCROLL TO TOP =================== */
.scroll-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  transition: background var(--transition), transform var(--transition), opacity var(--transition);
  z-index: 900;
  opacity: 0;
}

.scroll-top:not([hidden]) { opacity: 1; }
.scroll-top:hover { background: var(--gold); color: var(--navy-dark); transform: translateY(-3px); }

/* =================== RESPONSIVE =================== */
@media (max-width: 1024px) {
  .hero__content { grid-template-columns: 1fr; gap: 3rem; }
  .hero { min-height: auto; padding-bottom: 60px; }
  .hero__visual { height: 340px; }
  .hero__card--main { width: 220px; }

  .services__grid { grid-template-columns: repeat(2, 1fr); }

  .why-us__layout { grid-template-columns: 1fr; }
  .why-us__visual { order: -1; }
  .why-mini-cards { max-width: 420px; }

  .ley-layout { grid-template-columns: 1fr; }

  .info-grid { grid-template-columns: 1fr; }

  .footer__top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  :root { --navbar-h: 64px; }

  .section { padding: 64px 0; }
  .section__header { margin-bottom: 40px; }

  .navbar__nav { display: none; }
  .navbar__cta { display: none; }
  .navbar__hamburger { display: flex; }

  .hero { padding-top: calc(var(--navbar-h) + 40px); padding-bottom: 40px; }
  .hero__title { font-size: 2rem; }
  .hero__visual { display: none; }
  .hero__trust { gap: 16px; flex-wrap: wrap; }

  .services__grid { grid-template-columns: 1fr; }

  .calc-layout { grid-template-columns: 1fr; }
  .calc-tabs { flex-direction: column; }

  .form-row { grid-template-columns: 1fr; }

  .result-cards { grid-template-columns: 1fr; }
  .result-card--primary { grid-column: auto; }

  .comparison-mini { grid-template-columns: 1fr; }
  .uma-values { grid-template-columns: 1fr; }

  .testimonios__grid { grid-template-columns: 1fr; }

  .contacto__layout { grid-template-columns: 1fr; }
  .contacto__form-wrapper { padding: 28px; }

  .footer__top { grid-template-columns: 1fr; }
  .footer__brand { grid-column: auto; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }

  .scroll-top { bottom: 20px; right: 20px; }
}

@media (max-width: 480px) {
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }

  .why-mini-cards { grid-template-columns: 1fr; }

  .partners__logos { gap: 24px; }

  .ley-form { flex-direction: column; }
  .ley-form .btn { width: 100%; }

  .calc-tab { font-size: .8rem; padding: .5rem .75rem; }
}

/* ---- Reduced motion ---- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  html { scroll-behavior: auto; }
}

/* ---- WhatsApp floating button ---- */
.whatsapp-float {
  position: fixed;
  bottom: 5rem;
  right: 1.5rem;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: .5rem;
  background: #25D366;
  color: #fff;
  border-radius: 50px;
  padding: .75rem 1.25rem .75rem 1rem;
  box-shadow: 0 4px 20px rgba(37,211,102,.4);
  text-decoration: none;
  font-weight: 600;
  font-size: .875rem;
  transition: transform .2s ease, box-shadow .2s ease;
  overflow: hidden;
  max-width: 52px;
}
.whatsapp-float:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(37,211,102,.5);
  max-width: 180px;
}
.whatsapp-float__label {
  white-space: nowrap;
  opacity: 0;
  max-width: 0;
  transition: opacity .25s ease, max-width .25s ease;
  overflow: hidden;
}
.whatsapp-float:hover .whatsapp-float__label {
  opacity: 1;
  max-width: 120px;
}
@media (max-width: 480px) {
  .whatsapp-float { bottom: 4.5rem; right: 1rem; padding: .7rem; border-radius: 50%; }
  .whatsapp-float__label { display: none; }
}