/* Fidem · Consultoría financiera */
@font-face{font-family:"Josefin Sans";font-weight:300;font-display:swap;src:url("../fonts/josefin-sans-latin-300-normal.woff2") format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Josefin Sans";font-weight:300;font-display:swap;src:url("../fonts/josefin-sans-latin-ext-300-normal.woff2") format("woff2");unicode-range:U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Josefin Sans";font-weight:400;font-display:swap;src:url("../fonts/josefin-sans-latin-400-normal.woff2") format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Josefin Sans";font-weight:400;font-display:swap;src:url("../fonts/josefin-sans-latin-ext-400-normal.woff2") format("woff2");unicode-range:U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Inter";font-weight:400;font-display:swap;src:url("../fonts/inter-latin-400-normal.woff2") format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Inter";font-weight:400;font-display:swap;src:url("../fonts/inter-latin-ext-400-normal.woff2") format("woff2");unicode-range:U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Inter";font-weight:500;font-display:swap;src:url("../fonts/inter-latin-500-normal.woff2") format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Inter";font-weight:500;font-display:swap;src:url("../fonts/inter-latin-ext-500-normal.woff2") format("woff2");unicode-range:U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Inter";font-weight:600;font-display:swap;src:url("../fonts/inter-latin-600-normal.woff2") format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Inter";font-weight:600;font-display:swap;src:url("../fonts/inter-latin-ext-600-normal.woff2") format("woff2");unicode-range:U+0100-02AF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}

:root{
  --navy:#1C2B3A; --navy-deep:#141F2B; --navy-line:#34465A; --navy-soft:#2A3B4D;
  --cream:#F1EEE8; --stone:#E7E3DA; --white:#FFFFFF;
  --sage:#8C9A88; --sage-light:#A9B8A6; --sage-dark:#5F6D5B; --sage-text:#4F5E52;
  --text:#1A2233; --muted:#4A5163; --line:#E2DCCF; --field:#C9C1B0;
  --on-dark:#D3D7E0; --on-dark-2:#B9C0CE; --on-dark-3:#8F98AB;
  --error:#9B2C2C; --ok:#2F5D3A;
  --display:"Josefin Sans",system-ui,sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--text);font-family:var(--body);font-size:16px;line-height:1.6}
img,svg{display:block;max-width:100%}
a{color:var(--navy)}
a:hover{color:var(--navy-deep)}
:focus-visible{outline:2px solid var(--sage-dark);outline-offset:3px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:var(--cream);padding:12px 18px;z-index:100}
.skip:focus{left:16px;top:16px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section--white{background:var(--white)}
.section--stone{background:var(--stone)}
.section--navy{background:var(--navy);color:var(--cream)}
.eyebrow{display:block;font-size:12px;font-weight:500;letter-spacing:.32em;text-transform:uppercase;color:var(--sage-text);margin:0 0 14px}
.section--navy .eyebrow{color:var(--sage-light)}
h1,h2,h3{font-family:var(--display);font-weight:300;line-height:1.1;margin:0;color:var(--navy)}
.section--navy h2{color:var(--cream)}
h2{font-size:clamp(34px,4vw,48px)}
.lead{font-size:17px;color:var(--muted);margin:16px 0 0;max-width:680px}
.section--navy .lead{color:var(--on-dark)}
.head{max-width:680px;margin-bottom:48px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:14px 28px;font:600 15px/1.2 var(--body);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn--navy{background:var(--navy);color:var(--cream)}
.btn--navy:hover{background:var(--navy-deep);color:var(--cream)}
.btn--sage{background:var(--sage-light);color:var(--navy)}
.btn--sage:hover{background:#BBC8B8;color:var(--navy)}
.btn--ghost{border-color:var(--sage-light);color:var(--cream);background:transparent;font-weight:500}
.btn--ghost:hover{background:rgba(255,255,255,.06);color:var(--cream)}
.btn[disabled]{opacity:.6;cursor:wait}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--cream);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:88px}
.brand{display:flex;flex-direction:column;align-items:center;gap:8px;text-decoration:none;color:var(--navy)}
.brand svg{width:168px;height:auto}
.brand__line{width:32px;height:2px;background:var(--sage)}
.brand__tag{font-family:var(--display);font-size:9px;letter-spacing:.42em;padding-left:.42em;color:var(--sage-text);white-space:nowrap}
.nav{display:flex;align-items:center;gap:6px 26px;font-size:14px;font-weight:500}
.nav a{color:var(--text);text-decoration:none;padding:10px 0}
.nav a:hover{color:var(--sage-dark)}
.nav .btn{padding:12px 20px;min-height:44px;color:var(--cream)}
.nav-toggle{display:none;background:none;border:1px solid var(--field);width:48px;height:48px;align-items:center;justify-content:center;cursor:pointer;color:var(--navy)}
@media (max-width:900px){
  .nav-toggle{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--cream);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 24px 20px}
  .nav.is-open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:12px;border-bottom:0}
  .brand svg{width:140px}
}

/* Hero */
.hero{background:var(--navy);color:var(--cream)}
.hero .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:56px;padding-top:96px;padding-bottom:96px}
.hero__text{flex:999 1 520px;min-width:0}
.hero h1{color:var(--cream);font-size:clamp(40px,5.4vw,68px);line-height:1.08;margin:0 0 24px}
.hero p{font-size:18px;color:var(--on-dark);max-width:580px;margin:0}
.hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.hero__card{flex:1 1 320px;min-width:0;border:1px solid #3A4766;padding:36px;display:flex;flex-direction:column;gap:22px}
.check{display:flex;gap:14px;align-items:flex-start}
.check svg{flex:none;margin-top:3px}
.check strong{display:block;font-weight:600;font-size:16px}
.check span{font-size:14px;color:var(--on-dark-2)}

/* Servicios */
.cols-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:24px}
.card{background:var(--white);padding:36px}
.card--top-navy{border-top:3px solid var(--navy)}
.card--top-sage{border-top:3px solid var(--sage)}
.card h3{font-size:30px;margin-bottom:20px}
.dash-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px}
.dash-list li{display:flex;gap:12px}
.dash-list li::before{content:"—";color:var(--sage);font-weight:600}

/* Valora y calcula */
.tools{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,480px),1fr));gap:24px;align-items:start}
.tool{background:var(--white);padding:32px;display:flex;flex-direction:column;gap:22px}
.tool__title{display:flex;align-items:baseline;gap:12px}
.tool__num{font-family:var(--display);font-size:34px;color:var(--sage-dark);line-height:1}
.tool__title h3{font-size:28px}
.grid-fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:500;color:var(--text)}
.field input,.field select,.field textarea{font:16px/1.4 var(--body);padding:12px 14px;border:1px solid var(--field);background:var(--white);color:var(--text);border-radius:0;width:100%;min-height:48px}
.field textarea{resize:vertical;min-height:96px}
.field small{font-weight:400;color:var(--muted);font-size:13px}
.seg{display:flex;flex-wrap:wrap;gap:8px;border:0;padding:0;margin:0}
.seg legend{font-size:14px;font-weight:500;margin-bottom:8px;padding:0}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span{display:inline-flex;align-items:center;min-height:44px;padding:10px 18px;border:1px solid #A9A08C;font-size:15px;font-weight:500;color:var(--navy);background:transparent}
.seg input:checked+span{background:var(--navy);border-color:var(--navy);color:var(--cream);font-weight:600}
.seg input:focus-visible+span{outline:2px solid var(--sage-dark);outline-offset:2px}
.extras{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative;cursor:pointer}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-flex;align-items:center;min-height:40px;padding:8px 14px;border:1px solid var(--field);font-size:14px;color:var(--text);background:var(--white)}
.chip input:checked+span{background:var(--stone);border-color:var(--sage-dark);color:var(--navy);font-weight:600}
.chip input:focus-visible+span{outline:2px solid var(--sage-dark);outline-offset:2px}
.is-hidden{display:none!important}
.val-result{background:var(--cream);border-left:3px solid var(--sage-dark);padding:20px 22px;display:flex;flex-direction:column;gap:10px}
.val-result__value{font-family:var(--display);font-size:42px;line-height:1;color:var(--navy)}
.val-result__range{font-size:15px;color:var(--muted)}
.val-result__meta{display:flex;flex-wrap:wrap;gap:6px 20px;font-size:14px;color:var(--muted)}
.val-result__meta strong{color:var(--text);font-weight:600}
.val-result p{margin:0;font-size:14px;color:var(--muted)}
.notice{padding:14px 16px;font-size:14px;line-height:1.5}
.notice--warn{background:#F6EFE3;border-left:3px solid #A57A2A;color:#5A4318}
.notice--error{background:#F7E9E9;border-left:3px solid var(--error);color:#5E1B1B}
.notice--ok{background:#E8F0E6;border-left:3px solid var(--ok);color:#1F3D26}
.range{display:flex;flex-direction:column;gap:10px}
.range__head{display:flex;justify-content:space-between;gap:12px;font-size:15px;font-weight:500;color:var(--navy)}
.range__head output{font-weight:600}
.range input{width:100%;accent-color:var(--navy);min-height:28px}
.sim-out{background:var(--navy);color:var(--cream);padding:28px;display:flex;flex-direction:column;gap:18px}
.sim-out .eyebrow{color:var(--sage-light);margin:0}
.sim-out__cuota{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.sim-out__cuota strong{font-family:var(--display);font-weight:300;font-size:52px;line-height:1}
.sim-out__cuota span{color:var(--on-dark-2)}
.sim-rows{margin:0;font-size:15px}
.sim-rows div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-top:1px solid var(--navy-line)}
.sim-rows div:last-child{border-bottom:1px solid var(--navy-line)}
.sim-rows dt{color:var(--on-dark-2)}
.sim-rows dd{margin:0;font-weight:600;text-align:right;white-space:nowrap}
.verdict{margin:0;background:var(--navy-soft);padding:16px 18px;font-size:15px;line-height:1.5;border-left:3px solid var(--sage-light)}
.verdict:empty{display:none}
.verdict--invite{background:transparent;border-left:0;padding:0;color:var(--on-dark)}
.effort{display:flex;flex-direction:column;gap:8px}
.effort__head{display:flex;justify-content:space-between;gap:12px;font-size:15px;color:var(--on-dark-2)}
.effort__head strong{color:var(--cream);white-space:nowrap}
.effort__bar{height:8px;background:var(--navy-line);position:relative;overflow:hidden}
.effort__bar span{position:absolute;left:0;top:0;bottom:0;width:0;background:var(--sage-light);transition:width .2s}
.effort__bar span.is-high{background:#D9B36C}
.effort__bar span.is-veryhigh{background:#D98C6C}
.effort__note{font-size:13px;color:var(--on-dark-2)}
.fine{font-size:12px;line-height:1.5;color:var(--on-dark-3);margin:0}
.note{font-size:13px;line-height:1.6;color:var(--muted);margin:0}

/* Proceso */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr));gap:32px;list-style:none;margin:0;padding:0}
.steps li{border-top:1px solid #D8D1C2;padding-top:24px}
.steps b{display:block;font-family:var(--display);font-weight:300;font-size:40px;line-height:1;color:var(--sage-dark);margin-bottom:12px}
.steps h3{font-family:var(--body);font-weight:600;font-size:18px;margin-bottom:8px}
.steps p{margin:0;font-size:15px;color:var(--muted)}

/* Garantías */
.split{display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start}
.split__main{flex:999 1 460px;min-width:0}
.split__aside{flex:1 1 340px;min-width:0}
.values{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,180px),1fr));gap:24px;margin-top:32px}
.values strong{display:block;color:var(--navy);margin-bottom:6px}
.values span{font-size:15px;color:var(--muted)}
.creds{list-style:none;margin:0;padding:0}
.creds li{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line)}
.creds li:last-child{border-bottom:0;padding-bottom:0}
.creds svg{flex:none;margin-top:3px}
.creds strong{display:block;font-size:15px;color:var(--navy)}
.creds span{font-size:14px;color:var(--muted)}

/* Colaboradores */
.collab-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:48px}
.collab-head .head{margin:0}
.collab{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.collab article{background:var(--white);padding:32px;display:flex;flex-direction:column;gap:12px}
.collab h3{font-family:var(--body);font-weight:600;font-size:18px}
.collab p{margin:0;font-size:15px;color:var(--muted)}

/* Solicitud */
.request{display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start}
.request__intro{flex:1 1 300px;min-width:0}
.request__intro p{color:var(--on-dark)}
.request__intro .small{font-size:15px;color:var(--on-dark-2)}
.form{flex:999 1 560px;min-width:0;background:var(--cream);color:var(--text);padding:40px;display:flex;flex-direction:column;gap:22px}
.form .eyebrow{color:var(--sage-text)}
.docs-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr));gap:6px 18px;font-size:14px;color:var(--muted);list-style:none;margin:0;padding:0}
.docs-list li::before{content:"· "}
.drop{border:1.5px dashed #A9A08C;background:var(--white);padding:24px;display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center;cursor:pointer}
.drop strong{color:var(--navy);font-size:15px}
.drop span{font-size:13px;color:var(--muted)}
.drop input{font:14px var(--body);color:var(--muted);max-width:100%}
.files{font-size:13px;color:var(--muted);margin:0;padding:0;list-style:none}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.5;color:var(--muted)}
.consent input{width:20px;height:20px;margin:1px 0 0;flex:none;accent-color:var(--navy)}
.legal-info{font-size:12.5px;line-height:1.55;color:var(--muted);margin:0;background:var(--white);padding:14px 16px}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form .btn{align-self:flex-start}

/* Footer */
.site-footer{background:var(--navy-deep);color:var(--on-dark-2);font-size:14px}
.site-footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:32px;padding-top:56px;padding-bottom:32px}
.site-footer .brand{color:var(--cream);align-self:flex-start}
.site-footer .brand__line{background:var(--sage-light)}
.site-footer .brand__tag{color:var(--sage-light)}
.site-footer address{font-style:normal;display:flex;flex-direction:column;gap:6px}
.site-footer a{color:var(--on-dark)}
.site-footer nav{display:flex;flex-direction:column;gap:6px}
.copy{max-width:var(--wrap);margin:0 auto;padding:0 24px 32px;font-size:13px;color:var(--on-dark-3)}

/* Legal pages */
.legal{max-width:820px;margin:0 auto;padding:72px 24px 96px}
.legal h1{font-size:clamp(34px,4vw,46px);margin-bottom:8px}
.legal h2{font-family:var(--body);font-weight:600;font-size:20px;margin:40px 0 12px}
.legal p,.legal li{color:#2C3444}
.legal table{border-collapse:collapse;width:100%;font-size:14px;margin:12px 0}
.legal th,.legal td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top;background:var(--white)}
.legal .updated{color:var(--muted);font-size:14px}
.back{display:inline-block;margin-top:40px}
@media (max-width:600px){
  .section{padding:72px 0}
  .hero .wrap{padding-top:64px;padding-bottom:72px}
  .form,.tool,.card,.hero__card{padding:24px}
  .sim-out__cuota strong{font-size:44px}
  .sim-out{padding:20px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}