:root{
  --ink:#0c1424; --ink-2:#121c30; --ink-3:#1b2740; --ink-line:rgba(255,255,255,.08);
  --paper:#f6f3ee; --paper-2:#efeae1; --card:#ffffff; --line:#e4ddd0; --line-2:#d6cdbd;
  --text:#141a26; --muted:#6b7182; --muted-2:#9298a6;
  --gold:#c9a86a; --gold-2:#b08d4f; --gold-soft:rgba(201,168,106,.14);
  --ok:#2f7d62; --ok-soft:rgba(47,125,98,.12);
  --warn:#b7791f; --warn-soft:rgba(183,121,31,.12);
  --bad:#b4483a; --bad-soft:rgba(180,72,58,.12);
  --r:16px; --r-sm:10px; --r-lg:24px;
  --shadow:0 1px 2px rgba(12,20,36,.04),0 8px 24px -8px rgba(12,20,36,.12);
  --shadow-lg:0 30px 80px -20px rgba(12,20,36,.35);
  --serif:"Instrument Serif",Georgia,serif; --sans:"Inter",system-ui,-apple-system,sans-serif;
  --ease:cubic-bezier(.2,.7,.2,1);
  --max:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--paper);color:var(--text);font-size:15px;line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer;background:none;border:0}
svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;flex:none}
img{max-width:100%;display:block}
.muted{color:var(--muted)}
.serif{font-family:var(--serif);font-weight:400;letter-spacing:-.01em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.grain{position:fixed;inset:0;pointer-events:none;z-index:200;opacity:.035;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* ───────── NAV ───────── */
.nav{position:fixed;top:0;left:0;right:0;z-index:50;transition:background .35s,border-color .35s,backdrop-filter .35s;border-bottom:1px solid transparent}
.nav.is-solid,.nav.on-light{background:rgba(12,20,36,.82);backdrop-filter:blur(18px) saturate(1.4);-webkit-backdrop-filter:blur(18px) saturate(1.4);border-color:var(--ink-line)}
.nav__inner{max-width:var(--max);margin:0 auto;padding:0 24px;height:72px;display:flex;align-items:center;gap:32px;color:#fff}
.brand{display:flex;align-items:center;gap:10px;font-weight:600;letter-spacing:-.01em}
.brand__mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(145deg,#1d2a45,#0c1424);border:1px solid rgba(201,168,106,.35);display:grid;place-items:center;box-shadow:inset 0 1px 0 rgba(255,255,255,.06)}
.brand__mark svg{width:20px;height:20px;stroke:var(--gold);stroke-width:3}
.brand__name{font-size:16px}
.menu{display:flex;gap:4px;align-items:center}
.menu__link{padding:9px 14px;border-radius:999px;font-size:14px;color:rgba(255,255,255,.78);display:flex;align-items:center;gap:6px;transition:color .2s,background .2s}
.menu__link:hover,.menu__link.active{color:#fff;background:rgba(255,255,255,.07)}
.chev{width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .25s var(--ease)}
.dropdown{position:relative}
.dropdown.open .chev{transform:rotate(225deg) translate(-2px,0)}
.dropdown__panel{position:absolute;top:calc(100% + 12px);left:-8px;min-width:320px;background:rgba(18,28,48,.97);backdrop-filter:blur(20px);border:1px solid var(--ink-line);border-radius:18px;padding:8px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px) scale(.98);transform-origin:top left;transition:all .22s var(--ease)}
.dropdown.open .dropdown__panel{opacity:1;visibility:visible;transform:none}
.dropdown__panel.right{left:auto;right:0;transform-origin:top right;min-width:260px}
.dd-item{display:flex;gap:14px;padding:12px;border-radius:12px;align-items:flex-start;transition:background .18s;color:#fff;width:100%;text-align:left}
.dd-item:hover{background:rgba(255,255,255,.06)}
.dd-item b{display:block;font-weight:500;font-size:14px}
.dd-item small{display:block;font-size:12.5px;color:rgba(255,255,255,.55);margin-top:1px}
.dd-ico{width:36px;height:36px;border-radius:10px;background:rgba(201,168,106,.12);color:var(--gold);display:grid;place-items:center;flex:none}
.dd-ico svg{width:18px;height:18px}
.dd-sep{height:1px;background:var(--ink-line);margin:6px 4px}
.nav__actions{margin-left:auto;display:flex;align-items:center;gap:10px}
.user-chip{display:flex;align-items:center;gap:10px;padding:5px 12px 5px 5px;border-radius:999px;border:1px solid var(--ink-line);background:rgba(255,255,255,.04);font-size:14px;color:#fff;transition:background .2s}
.user-chip:hover{background:rgba(255,255,255,.08)}
.avatar{width:30px;height:30px;border-radius:50%;background:linear-gradient(135deg,var(--gold),#8c6c37);color:var(--ink);display:grid;place-items:center;font-weight:700;font-size:12px}
.burger{display:none;width:40px;height:40px;border-radius:10px;margin-left:8px;position:relative}
.burger span{position:absolute;left:11px;right:11px;height:1.5px;background:#fff;transition:transform .3s var(--ease)}
.burger span:first-child{top:16px}.burger span:last-child{top:23px}
.nav.menu-open .burger span:first-child{transform:translateY(3.5px) rotate(45deg)}
.nav.menu-open .burger span:last-child{transform:translateY(-3.5px) rotate(-45deg)}

/* ───────── BUTTONS ───────── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:44px;padding:0 20px;border-radius:999px;font-weight:500;font-size:14.5px;transition:transform .2s var(--ease),background .2s,box-shadow .2s,color .2s;white-space:nowrap;position:relative;overflow:hidden}
.btn:active{transform:scale(.97)}
.btn svg{width:17px;height:17px}
.btn--gold{background:linear-gradient(180deg,#d6b77b,#bf9a5a);color:#1a1405;box-shadow:0 8px 24px -8px rgba(201,168,106,.6),inset 0 1px 0 rgba(255,255,255,.35)}
.btn--gold:hover{box-shadow:0 12px 30px -8px rgba(201,168,106,.75),inset 0 1px 0 rgba(255,255,255,.35)}
.btn--ink{background:var(--ink);color:#fff}
.btn--ink:hover{background:var(--ink-3)}
.btn--ghost{color:#fff;border:1px solid rgba(255,255,255,.18)}
.btn--ghost:hover{background:rgba(255,255,255,.06)}
.btn--line{border:1px solid var(--line-2);color:var(--text);background:var(--card)}
.btn--line:hover{border-color:var(--text)}
.btn--sm{height:36px;padding:0 14px;font-size:13.5px}
.btn--block{width:100%}
.btn[disabled]{opacity:.55;pointer-events:none}
.btn .spin{width:16px;height:16px;border:2px solid currentColor;border-right-color:transparent;border-radius:50%;animation:spin .7s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ───────── HERO ───────── */
.hero{background:var(--ink);color:#fff;position:relative;overflow:hidden;padding:150px 0 110px;isolation:isolate}
.hero::before{content:"";position:absolute;inset:-20% -10% auto auto;width:900px;height:900px;background:radial-gradient(closest-side,rgba(201,168,106,.20),transparent 70%);z-index:-1;animation:float 16s ease-in-out infinite}
.hero::after{content:"";position:absolute;inset:auto auto -40% -15%;width:800px;height:800px;background:radial-gradient(closest-side,rgba(64,98,170,.22),transparent 70%);z-index:-1;animation:float 20s ease-in-out infinite reverse}
@keyframes float{50%{transform:translate(-40px,30px)}}
.hero__grid-bg{position:absolute;inset:0;z-index:-1;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse at 50% 30%,#000 30%,transparent 75%)}
.hero__inner{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:500}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(46px,6.4vw,84px);line-height:.98;letter-spacing:-.025em;margin:22px 0 24px}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero p.lead{font-size:18px;color:rgba(255,255,255,.66);max-width:520px;line-height:1.6}
.hero__cta{display:flex;gap:12px;margin-top:36px;flex-wrap:wrap}
.hero__trust{display:flex;gap:28px;margin-top:48px;padding-top:28px;border-top:1px solid var(--ink-line);flex-wrap:wrap}
.hero__trust div{font-size:13px;color:rgba(255,255,255,.5)}
.hero__trust b{display:block;font-family:var(--serif);font-weight:400;font-size:30px;color:#fff;letter-spacing:-.01em;line-height:1.1}

/* ───────── CHAT (embebido + flotante) ───────── */
.chat{background:linear-gradient(180deg,rgba(27,39,64,.9),rgba(18,28,48,.95));border:1px solid rgba(255,255,255,.1);border-radius:var(--r-lg);box-shadow:var(--shadow-lg),inset 0 1px 0 rgba(255,255,255,.06);display:flex;flex-direction:column;overflow:hidden;color:#fff;backdrop-filter:blur(20px)}
.chat--hero{height:560px}
.chat__head{display:flex;align-items:center;gap:12px;padding:16px 18px;border-bottom:1px solid var(--ink-line)}
.chat__bot{width:40px;height:40px;border-radius:12px;background:linear-gradient(140deg,var(--gold),#7d5f2e);display:grid;place-items:center;position:relative;color:var(--ink)}
.chat__bot svg{width:20px;height:20px;stroke-width:2}
.chat__bot::after{content:"";position:absolute;right:-2px;bottom:-2px;width:11px;height:11px;border-radius:50%;background:#4ade80;border:2px solid var(--ink-2)}
.chat__title b{display:block;font-weight:600;font-size:14.5px}
.chat__title small{font-size:12px;color:rgba(255,255,255,.5);display:flex;align-items:center;gap:6px}
.g-badge{margin-left:auto;font-size:11px;padding:5px 10px;border-radius:999px;border:1px solid var(--ink-line);color:rgba(255,255,255,.6);display:flex;align-items:center;gap:6px}
.g-dot{width:6px;height:6px;border-radius:50%;background:conic-gradient(#4285f4 0 25%,#ea4335 0 50%,#fbbc05 0 75%,#34a853 0)}
.chat__close{width:32px;height:32px;border-radius:8px;display:grid;place-items:center;color:rgba(255,255,255,.6);font-size:22px}
.chat__close:hover{background:rgba(255,255,255,.06);color:#fff}
.chat__body{flex:1;overflow-y:auto;padding:18px;display:flex;flex-direction:column;gap:12px;scroll-behavior:smooth}
.chat__body::-webkit-scrollbar{width:6px}.chat__body::-webkit-scrollbar-thumb{background:rgba(255,255,255,.12);border-radius:3px}
.msg{max-width:85%;padding:11px 14px;border-radius:16px;font-size:14px;line-height:1.5;white-space:pre-wrap;animation:pop .3s var(--ease)}
.msg--bot{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.06);border-top-left-radius:4px;align-self:flex-start}
.msg--user{background:linear-gradient(180deg,#d6b77b,#bf9a5a);color:#1a1405;border-top-right-radius:4px;align-self:flex-end}
@keyframes pop{from{opacity:0;transform:translateY(6px) scale(.98)}}
.typing{display:flex;gap:4px;padding:14px 16px}
.typing i{width:6px;height:6px;border-radius:50%;background:rgba(255,255,255,.5);animation:blink 1.2s infinite}
.typing i:nth-child(2){animation-delay:.15s}.typing i:nth-child(3){animation-delay:.3s}
@keyframes blink{0%,60%,100%{opacity:.25;transform:none}30%{opacity:1;transform:translateY(-3px)}}
.chat__chips{display:flex;gap:8px;padding:0 18px 12px;overflow-x:auto;scrollbar-width:none}
.chat__chips::-webkit-scrollbar{display:none}
.chip{flex:none;font-size:12.5px;padding:7px 12px;border-radius:999px;border:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.8);transition:all .2s}
.chip:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-soft)}
.chat__form{display:flex;gap:8px;padding:12px;border-top:1px solid var(--ink-line);background:rgba(0,0,0,.12)}
.chat__form input{flex:1;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:0 14px;height:46px;outline:none;color:#fff;transition:border-color .2s}
.chat__form input:focus{border-color:rgba(201,168,106,.6)}
.chat__form input::placeholder{color:rgba(255,255,255,.35)}
.chat__send{width:46px;height:46px;border-radius:12px;background:var(--gold);color:var(--ink);display:grid;place-items:center;transition:transform .2s}
.chat__send:hover{transform:translateY(-1px)}
.chat__send svg{stroke-width:2}
.chat-fab{position:fixed;right:24px;bottom:24px;z-index:60;width:60px;height:60px;border-radius:50%;background:var(--ink);color:var(--gold);display:grid;place-items:center;box-shadow:0 16px 40px -10px rgba(12,20,36,.6);border:1px solid rgba(201,168,106,.35);transition:transform .3s var(--ease),opacity .3s}
.chat-fab:hover{transform:scale(1.06)}
.chat-fab svg{width:24px;height:24px}
.chat-fab__ping{position:absolute;inset:-1px;border-radius:50%;border:1px solid var(--gold);animation:ping 2.4s infinite}
@keyframes ping{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.5);opacity:0}}
.chat-fab.hidden{opacity:0;pointer-events:none;transform:scale(.6)}
.chat-float{position:fixed;right:24px;bottom:96px;z-index:61;width:380px;max-width:calc(100vw - 32px);height:min(580px,calc(100vh - 130px));opacity:0;visibility:hidden;transform:translateY(16px) scale(.97);transform-origin:bottom right;transition:all .3s var(--ease)}
.chat-float.open{opacity:1;visibility:visible;transform:none}
.chat-float .chat{height:100%;background:var(--ink-2)}

/* ───────── SECTIONS ───────── */
.section{padding:110px 0}
.section--tight{padding:80px 0}
.section__head{max-width:640px;margin-bottom:56px}
.section__head.center{margin-left:auto;margin-right:auto;text-align:center}
.section__head.center .eyebrow::after{content:"";width:28px;height:1px;background:currentColor}
.h2{font-family:var(--serif);font-weight:400;font-size:clamp(36px,4.4vw,56px);line-height:1.04;letter-spacing:-.02em;margin:16px 0}
.h2 em{font-style:italic;color:var(--gold-2)}
.lead2{font-size:17px;color:var(--muted)}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.feature{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;transition:transform .35s var(--ease),box-shadow .35s;position:relative;overflow:hidden}
.feature:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.feature__num{font-family:var(--serif);font-size:15px;color:var(--gold-2);margin-bottom:28px;display:block}
.feature__ico{width:52px;height:52px;border-radius:14px;background:var(--ink);color:var(--gold);display:grid;place-items:center;margin-bottom:24px}
.feature__ico svg{width:24px;height:24px}
.feature h3{font-weight:600;font-size:18px;margin-bottom:8px;letter-spacing:-.01em}
.feature p{color:var(--muted);font-size:14.5px}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line)}
.step{padding:28px 24px 0 0;position:relative}
.step::before{content:"";position:absolute;top:-1px;left:0;width:0;height:1px;background:var(--ink);transition:width 1.2s var(--ease)}
.step.in::before{width:100%}
.step span{font-family:var(--serif);font-size:44px;color:var(--gold-2);line-height:1}
.step h4{font-size:16px;font-weight:600;margin:14px 0 6px}
.step p{color:var(--muted);font-size:14px}

/* ───────── DARK BAND ───────── */
.band{background:var(--ink);color:#fff;border-radius:32px;padding:72px;margin:0 24px;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;right:-200px;top:-200px;width:600px;height:600px;background:radial-gradient(closest-side,rgba(201,168,106,.18),transparent);pointer-events:none}
.band .h2 em{color:var(--gold)}
.band .lead2{color:rgba(255,255,255,.6)}

/* ───────── TIERS ───────── */
.tiers{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:40px}
.tier{border:1px solid var(--line);background:var(--card);border-radius:var(--r);padding:22px;transition:all .3s var(--ease);cursor:default}
.band .tier{background:rgba(255,255,255,.03);border-color:var(--ink-line)}
.tier:hover{border-color:var(--gold);transform:translateY(-3px)}
.tier small{font-size:12px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.08em}
.tier .rate{font-family:var(--serif);font-size:48px;line-height:1;margin:14px 0 6px;letter-spacing:-.02em}
.tier .rate sup{font-size:20px;color:var(--gold);margin-left:2px}
.tier .range{font-size:13.5px;color:var(--muted)}
.band .tier .range{color:rgba(255,255,255,.55)}
.tier.hl{border-color:var(--gold);box-shadow:0 0 0 3px var(--gold-soft)}

/* ───────── FAQ / ACCORDION ───────── */
.acc{border-top:1px solid var(--line)}
.acc__item{border-bottom:1px solid var(--line)}
.acc__q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:24px 0;text-align:left;font-size:17px;font-weight:500;letter-spacing:-.01em}
.acc__q .plus{width:32px;height:32px;border-radius:50%;border:1px solid var(--line-2);position:relative;flex:none;transition:all .3s var(--ease)}
.acc__q .plus::before,.acc__q .plus::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:1.5px;background:currentColor;transform:translate(-50%,-50%);transition:transform .3s var(--ease)}
.acc__q .plus::after{transform:translate(-50%,-50%) rotate(90deg)}
.acc__item.open .plus{background:var(--ink);color:#fff;border-color:var(--ink)}
.acc__item.open .plus::after{transform:translate(-50%,-50%) rotate(0)}
.acc__a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s var(--ease)}
.acc__a>div{overflow:hidden}
.acc__a p{padding:0 56px 26px 0;color:var(--muted);font-size:15px}
.acc__item.open .acc__a{grid-template-rows:1fr}

/* ───────── PAGE HEADER (interior) ───────── */
.phead{background:var(--ink);color:#fff;padding:128px 0 72px;position:relative;overflow:hidden}
.phead::before{content:"";position:absolute;right:-10%;top:-60%;width:700px;height:700px;background:radial-gradient(closest-side,rgba(201,168,106,.16),transparent)}
.phead h1{font-family:var(--serif);font-weight:400;font-size:clamp(40px,5vw,64px);letter-spacing:-.02em;line-height:1.02;margin-top:14px}
.phead h1 em{color:var(--gold);font-style:italic}
.phead p{color:rgba(255,255,255,.6);margin-top:12px;max-width:560px;font-size:16.5px}
.phead__row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;position:relative}

/* ───────── CARDS & FORMS ───────── */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow)}
.card__head{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:22px}
.card__head h3{font-size:17px;font-weight:600;letter-spacing:-.01em}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:16px}
.field label{font-size:13px;font-weight:500;color:var(--text)}
.field label .req{color:var(--bad);margin-left:2px}
.input,.select{height:48px;border:1px solid var(--line-2);background:#fff;border-radius:12px;padding:0 14px;outline:none;transition:border-color .2s,box-shadow .2s;width:100%}
textarea.input{height:auto;padding:12px 14px;resize:vertical;min-height:80px}
.input:focus,.select:focus{border-color:var(--ink);box-shadow:0 0 0 4px rgba(12,20,36,.06)}
.input-wrap{position:relative}
.input-wrap .prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:500}
.input-wrap .input{padding-left:30px}
.input-wrap .eye{position:absolute;right:6px;top:50%;transform:translateY(-50%);width:36px;height:36px;border-radius:8px;display:grid;place-items:center;color:var(--muted)}
.input-wrap .eye:hover{background:var(--paper)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hint{font-size:12.5px;color:var(--muted)}
.err{font-size:13px;color:var(--bad);background:var(--bad-soft);padding:10px 12px;border-radius:10px;margin-bottom:14px;display:none}
.err.show{display:block;animation:pop .25s}
.pw-meter{height:4px;border-radius:2px;background:var(--paper-2);overflow:hidden;margin-top:4px}
.pw-meter i{display:block;height:100%;width:0;transition:width .3s,background .3s}

/* Select personalizado (menú desplegable) */
.cselect{position:relative}
.cselect__btn{height:48px;width:100%;border:1px solid var(--line-2);background:#fff;border-radius:12px;padding:0 40px 0 14px;text-align:left;display:flex;align-items:center;transition:border-color .2s,box-shadow .2s;overflow:hidden;white-space:nowrap;text-overflow:ellipsis}
.cselect__btn::after{content:"";position:absolute;right:16px;top:50%;width:7px;height:7px;border-right:1.5px solid var(--muted);border-bottom:1.5px solid var(--muted);transform:translateY(-70%) rotate(45deg);transition:transform .25s}
.cselect.open .cselect__btn{border-color:var(--ink);box-shadow:0 0 0 4px rgba(12,20,36,.06)}
.cselect.open .cselect__btn::after{transform:translateY(-30%) rotate(225deg)}
.cselect__btn .ph{color:var(--muted-2)}
.cselect__list{position:absolute;top:calc(100% + 6px);left:0;right:0;z-index:20;background:#fff;border:1px solid var(--line);border-radius:14px;padding:6px;box-shadow:var(--shadow-lg);max-height:280px;overflow-y:auto;opacity:0;visibility:hidden;transform:translateY(-4px);transition:all .2s var(--ease)}
.cselect.open .cselect__list{opacity:1;visibility:visible;transform:none}
.cselect__opt{padding:10px 12px;border-radius:10px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:14px}
.cselect__opt:hover,.cselect__opt.focus{background:var(--paper)}
.cselect__opt.sel{background:var(--ink);color:#fff}
.cselect__opt small{color:var(--muted);font-size:12.5px}
.cselect__opt.sel small{color:rgba(255,255,255,.6)}

/* Segmentado */
.seg{display:inline-flex;background:var(--paper-2);border-radius:12px;padding:4px;position:relative;width:100%}
.seg button{flex:1;height:40px;border-radius:9px;font-size:13.5px;font-weight:500;color:var(--muted);position:relative;z-index:1;transition:color .25s}
.seg button.on{color:var(--text)}
.seg .seg__pill{position:absolute;top:4px;bottom:4px;border-radius:9px;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.08);transition:all .3s var(--ease)}

/* Range */
.range{-webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:2px;background:linear-gradient(90deg,var(--ink) var(--p,50%),var(--line) var(--p,50%));outline:none;margin:14px 0 6px}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:2px solid var(--ink);box-shadow:0 2px 8px rgba(0,0,0,.15);cursor:grab;transition:transform .15s}
.range::-webkit-slider-thumb:active{transform:scale(1.15)}
.range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid var(--ink)}

/* Dropzone */
.drop{border:1.5px dashed var(--line-2);border-radius:16px;padding:28px;text-align:center;cursor:pointer;transition:all .25s;background:var(--paper);position:relative}
.drop:hover,.drop.over{border-color:var(--ink);background:#fff}
.drop.over{transform:scale(1.01)}
.drop__ico{width:48px;height:48px;border-radius:14px;background:var(--ink);color:var(--gold);display:grid;place-items:center;margin:0 auto 12px}
.drop b{display:block;font-weight:500}
.drop input{display:none}
.file-pill{display:flex;align-items:center;gap:12px;padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff;text-align:left}
.file-pill img{width:48px;height:48px;object-fit:cover;border-radius:8px}
.file-pill .fi{width:48px;height:48px;border-radius:8px;background:var(--bad-soft);color:var(--bad);display:grid;place-items:center;font-size:11px;font-weight:700}
.file-pill div{flex:1;min-width:0}
.file-pill b{display:block;font-size:13.5px;font-weight:500;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.file-pill small{color:var(--muted);font-size:12px}
.file-pill button{width:32px;height:32px;border-radius:8px;color:var(--muted);font-size:20px}
.file-pill button:hover{background:var(--paper)}

/* ───────── CALCULATOR ───────── */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;margin-top:-48px;position:relative;z-index:2}
.result{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:32px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.result::before{content:"";position:absolute;right:-120px;top:-120px;width:340px;height:340px;background:radial-gradient(closest-side,rgba(201,168,106,.25),transparent)}
.result small{color:rgba(255,255,255,.5);font-size:12.5px;text-transform:uppercase;letter-spacing:.1em}
.result .big{font-family:var(--serif);font-size:clamp(48px,5.5vw,68px);line-height:1;letter-spacing:-.02em;margin:10px 0 4px}
.result .big .cents{font-size:.5em;color:rgba(255,255,255,.55)}
.result__rows{margin-top:28px;border-top:1px solid var(--ink-line)}
.result__rows div{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--ink-line);font-size:14.5px}
.result__rows div span:first-child{color:rgba(255,255,255,.6)}
.result__rows b{font-weight:500}
.donut{width:100%;display:flex;align-items:center;gap:20px;margin-top:24px}
.donut svg{width:96px;height:96px;transform:rotate(-90deg)}
.donut circle{stroke-width:12;fill:none}
.donut .legend{font-size:13px;display:grid;gap:8px}
.donut .legend i{display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:8px}
.rate-badge{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;border-radius:999px;background:var(--gold-soft);color:var(--gold-2);font-weight:600;font-size:13px}

.table{width:100%;border-collapse:collapse;font-size:14px}
.table th{text-align:left;font-weight:500;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);padding:12px;border-bottom:1px solid var(--line)}
.table td{padding:14px 12px;border-bottom:1px solid var(--line)}
.table tr:last-child td{border-bottom:0}
.table tbody tr{transition:background .15s}
.table tbody tr:hover{background:var(--paper)}
.num{text-align:right;font-variant-numeric:tabular-nums}
.table-wrap{overflow-x:auto;margin:0 -12px}
.collapse-more{margin-top:12px}

/* ───────── DASHBOARD ───────── */
.dash{margin-top:-48px;position:relative;z-index:2;display:grid;gap:24px}
.kpis{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:16px}
.kpi{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--shadow)}
.kpi small{font-size:12.5px;color:var(--muted);display:flex;align-items:center;gap:8px}
.kpi .v{font-family:var(--serif);font-size:38px;line-height:1.05;letter-spacing:-.02em;margin-top:10px;font-variant-numeric:tabular-nums}
.kpi .sub{font-size:12.5px;color:var(--muted);margin-top:4px}
.kpi--dark{background:var(--ink);color:#fff;border-color:var(--ink);position:relative;overflow:hidden}
.kpi--dark::before{content:"";position:absolute;right:-80px;bottom:-120px;width:260px;height:260px;background:radial-gradient(closest-side,rgba(201,168,106,.3),transparent)}
.kpi--dark small,.kpi--dark .sub{color:rgba(255,255,255,.55)}
.kpi--dark .v{font-size:46px}
.dot{width:8px;height:8px;border-radius:50%;display:inline-block}
.dash__grid{display:grid;grid-template-columns:1.35fr 1fr;gap:24px;align-items:start}
.debt{border:1px solid var(--line);border-radius:18px;overflow:hidden;transition:border-color .2s;margin-bottom:12px;background:#fff}
.debt:last-child{margin-bottom:0}
.debt.open{border-color:var(--line-2)}
.debt__head{width:100%;display:grid;grid-template-columns:auto 1fr auto auto;gap:16px;align-items:center;padding:18px;text-align:left}
.ring{width:52px;height:52px;position:relative}
.ring svg{width:52px;height:52px;transform:rotate(-90deg)}
.ring circle{fill:none;stroke-width:4}
.ring span{position:absolute;inset:0;display:grid;place-items:center;font-size:11.5px;font-weight:600}
.debt__head b{display:block;font-weight:600;font-size:15px}
.debt__head small{color:var(--muted);font-size:12.5px}
.debt__bal{text-align:right}
.debt__bal b{font-family:var(--serif);font-size:24px;font-weight:400;letter-spacing:-.01em}
.debt__head .chev{color:var(--muted);transform:rotate(45deg)}
.debt.open .debt__head .chev{transform:rotate(225deg)}
.debt__body{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s var(--ease)}
.debt.open .debt__body{grid-template-rows:1fr}
.debt__body>div{overflow:hidden}
.debt__inner{padding:0 18px 18px;border-top:1px solid var(--line);margin:0 18px;padding:18px 0}
.breakdown{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.breakdown div{background:var(--paper);border-radius:12px;padding:12px}
.breakdown small{font-size:11.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.breakdown b{display:block;font-weight:600;font-size:15px;margin-top:2px;font-variant-numeric:tabular-nums}
.bar{height:8px;background:var(--paper-2);border-radius:4px;overflow:hidden;margin:16px 0 8px;display:flex}
.bar i{display:block;height:100%;transition:width 1s var(--ease)}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:500;padding:4px 10px;border-radius:999px;white-space:nowrap}
.badge::before{content:"";width:6px;height:6px;border-radius:50%;background:currentColor}
.badge--pending{background:var(--warn-soft);color:var(--warn)}
.badge--approved,.badge--paid{background:var(--ok-soft);color:var(--ok)}
.badge--rejected{background:var(--bad-soft);color:var(--bad)}
.badge--active{background:rgba(12,20,36,.06);color:var(--ink)}
.timeline{display:grid;gap:2px}
.tl{display:grid;grid-template-columns:auto 1fr auto;gap:14px;align-items:center;padding:14px 4px;border-bottom:1px solid var(--line)}
.tl:last-child{border-bottom:0}
.tl__ico{width:38px;height:38px;border-radius:12px;display:grid;place-items:center}
.tl__ico svg{width:18px;height:18px}
.tl b{font-weight:500;font-size:14px;display:block}
.tl small{font-size:12.5px;color:var(--muted)}
.tl .amt{text-align:right;font-weight:600;font-variant-numeric:tabular-nums}
.empty{text-align:center;padding:40px 20px;color:var(--muted)}
.empty .drop__ico{background:var(--paper-2);color:var(--muted)}
.link{color:var(--gold-2);font-weight:500;font-size:13.5px}
.link:hover{text-decoration:underline}

/* Tabs */
.tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin-bottom:24px;overflow-x:auto;scrollbar-width:none}
.tabs button{padding:12px 16px;font-size:14px;font-weight:500;color:var(--muted);border-bottom:2px solid transparent;margin-bottom:-1px;white-space:nowrap;display:flex;gap:8px;align-items:center;transition:color .2s,border-color .2s}
.tabs button.on{color:var(--text);border-color:var(--ink)}
.tabs .count{background:var(--bad);color:#fff;font-size:11px;min-width:20px;height:20px;border-radius:10px;display:grid;place-items:center;padding:0 6px}
.toolbar{display:flex;gap:12px;align-items:center;margin-bottom:16px;flex-wrap:wrap}
.toolbar .input{max-width:320px;height:42px}
.client-row{cursor:pointer}
.mini{font-size:12.5px;color:var(--muted)}

/* ───────── AUTH ───────── */
.auth{min-height:100vh;display:grid;grid-template-columns:1fr 1fr;background:var(--paper)}
.auth__side{background:var(--ink);color:#fff;padding:120px 64px 64px;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:space-between}
.auth__side::before{content:"";position:absolute;left:-200px;bottom:-200px;width:700px;height:700px;background:radial-gradient(closest-side,rgba(201,168,106,.2),transparent)}
.auth__side h2{font-family:var(--serif);font-weight:400;font-size:clamp(40px,4vw,58px);line-height:1.02;letter-spacing:-.02em;position:relative}
.auth__side h2 em{color:var(--gold);font-style:italic}
.auth__card-demo{position:relative;background:linear-gradient(140deg,#1e2c49,#111a2d);border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:24px;max-width:380px;box-shadow:var(--shadow-lg);transform:rotate(-3deg);animation:hover 6s ease-in-out infinite}
@keyframes hover{50%{transform:rotate(-2deg) translateY(-8px)}}
.auth__card-demo small{color:rgba(255,255,255,.5);font-size:12px}
.auth__card-demo .v{font-family:var(--serif);font-size:42px;margin:6px 0 16px}
.auth__main{display:flex;align-items:center;justify-content:center;padding:110px 24px 48px}
.auth__box{width:100%;max-width:440px}
.auth__box h1{font-family:var(--serif);font-weight:400;font-size:42px;letter-spacing:-.02em;line-height:1.05}
.auth__box>p{color:var(--muted);margin:8px 0 28px}
.stepper{display:flex;gap:6px;margin-bottom:24px}
.stepper i{flex:1;height:3px;border-radius:2px;background:var(--line);transition:background .4s}
.stepper i.on{background:var(--ink)}
.fstep{display:none}
.fstep.on{display:block;animation:slide .35s var(--ease)}
@keyframes slide{from{opacity:0;transform:translateX(14px)}}
.alt{text-align:center;margin-top:20px;font-size:14px;color:var(--muted)}
.alt a{color:var(--text);font-weight:600}

/* ───────── MODAL / TOAST ───────── */
.modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:16px;visibility:hidden}
.modal.open{visibility:visible}
.modal__backdrop{position:absolute;inset:0;background:rgba(8,12,22,.55);backdrop-filter:blur(6px);opacity:0;transition:opacity .3s}
.modal.open .modal__backdrop{opacity:1}
.modal__card{position:relative;background:#fff;border-radius:var(--r-lg);padding:32px;width:100%;max-width:520px;max-height:calc(100vh - 32px);overflow-y:auto;box-shadow:var(--shadow-lg);opacity:0;transform:translateY(20px) scale(.97);transition:all .35s var(--ease)}
.modal.open .modal__card{opacity:1;transform:none}
.modal__card.wide{max-width:760px}
.modal__x{position:absolute;right:16px;top:16px;width:36px;height:36px;border-radius:10px;font-size:22px;color:var(--muted)}
.modal__x:hover{background:var(--paper)}
.modal h3{font-family:var(--serif);font-weight:400;font-size:32px;letter-spacing:-.02em;margin-bottom:6px;padding-right:32px}
.modal .receipt-view{width:100%;border-radius:12px;border:1px solid var(--line);max-height:60vh;object-fit:contain;background:var(--paper)}
.modal iframe.receipt-view{height:60vh}
.toasts{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);z-index:150;display:grid;gap:8px;width:max-content;max-width:calc(100vw - 32px)}
.toast{background:var(--ink);color:#fff;padding:14px 18px;border-radius:14px;font-size:14px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:10px;animation:toastIn .4s var(--ease)}
.toast.out{animation:toastOut .3s var(--ease) forwards}
.toast svg{width:18px;height:18px}
.toast.ok svg{color:#4ade80}.toast.bad svg{color:#f87171}
@keyframes toastIn{from{opacity:0;transform:translateY(16px) scale(.96)}}
@keyframes toastOut{to{opacity:0;transform:translateY(10px)}}

/* ───────── FOOTER ───────── */
.footer{background:var(--ink);color:#fff;margin-top:110px}
.footer__inner{max-width:var(--max);margin:0 auto;padding:64px 24px 40px;display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.footer .muted{color:rgba(255,255,255,.5);margin-top:12px;font-size:14px}
.footer__cols{display:flex;gap:64px}
.footer h6{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.4);font-weight:500;margin-bottom:14px}
.footer__cols a{display:block;font-size:14px;color:rgba(255,255,255,.75);padding:4px 0}
.footer__cols a:hover{color:var(--gold)}
.footer__base{max-width:var(--max);margin:0 auto;padding:24px;border-top:1px solid var(--ink-line);display:flex;justify-content:space-between;gap:16px;font-size:13px;color:rgba(255,255,255,.4);flex-wrap:wrap}
body.no-footer .footer{display:none}

/* ───────── REVEAL ───────── */
.rv{opacity:0;transform:translateY(24px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}.rv.d4{transition-delay:.32s}
.skel{background:linear-gradient(90deg,var(--paper-2),#f8f5f0,var(--paper-2));background-size:200% 100%;animation:sk 1.4s infinite;border-radius:12px}
@keyframes sk{to{background-position:-200% 0}}
.page-enter{animation:pageIn .5s var(--ease)}
@keyframes pageIn{from{opacity:0;transform:translateY(8px)}}

/* ───────── RESPONSIVE ───────── */
@media (max-width:1080px){
  .tiers{grid-template-columns:repeat(3,1fr)}
  .kpis{grid-template-columns:1fr 1fr}
  .dash__grid,.calc{grid-template-columns:1fr}
}
@media (max-width:900px){
  .hero__inner{grid-template-columns:1fr;gap:48px}
  .features{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr;gap:24px}
  .auth{grid-template-columns:1fr}
  .auth__side{display:none}
  .band{padding:48px 28px;margin:0 16px;border-radius:24px}
  .menu{position:fixed;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;background:rgba(12,20,36,.98);backdrop-filter:blur(20px);padding:12px 16px 24px;border-bottom:1px solid var(--ink-line);max-height:calc(100vh - 72px);overflow-y:auto;transform:translateY(-12px);opacity:0;visibility:hidden;transition:all .3s var(--ease)}
  .nav.menu-open .menu{transform:none;opacity:1;visibility:visible}
  .nav.menu-open{background:rgba(12,20,36,.98)}
  .menu__link{padding:14px 12px;border-radius:12px;justify-content:space-between;font-size:15px}
  .dropdown__panel{position:static;min-width:0;opacity:1;visibility:visible;transform:none;background:transparent;border:0;box-shadow:none;padding:0 0 0 4px;display:none}
  .dropdown.open .dropdown__panel{display:block}
  .dropdown__panel.right{position:absolute;display:block;opacity:0;visibility:hidden;background:rgba(18,28,48,.98);border:1px solid var(--ink-line);padding:8px}
  .dropdown.open .dropdown__panel.right{opacity:1;visibility:visible}
  .burger{display:block}
  .nav__actions .btn--ghost{display:none}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  .nav__inner{padding:0 16px;gap:12px}
  .brand__name{font-size:15px}
  .user-chip .uname{display:none}
  .user-chip{padding:4px}
  .hero{padding:120px 0 72px}
  .hero p.lead{font-size:16px}
  .chat--hero{height:500px}
  .section{padding:72px 0}
  .tiers{grid-template-columns:1fr 1fr}
  .kpis{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .breakdown{grid-template-columns:1fr 1fr}
  .debt__head{grid-template-columns:auto 1fr auto;gap:12px;padding:14px}
  .debt__head .chev{display:none}
  .debt__bal b{font-size:20px}
  .card{padding:20px}
  .steps{grid-template-columns:1fr}
  .footer__cols{gap:40px}
  .chat-fab{right:16px;bottom:16px}
  .chat-float{right:16px;bottom:88px}
  .modal__card{padding:24px}
  .phead{padding:110px 0 72px}
  .acc__a p{padding-right:0}
}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}

/* ───────── ADMIN: personas y deudas ───────── */
.cl{border:1px solid var(--line);border-radius:18px;background:#fff;margin-bottom:12px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.cl:hover{border-color:var(--line-2)}
.cl.open{border-color:var(--line-2);box-shadow:var(--shadow)}
.cl__head{display:grid;grid-template-columns:auto minmax(0,1fr) 70px 120px 120px auto auto;gap:18px;align-items:center;padding:16px 18px;cursor:pointer;outline:none}
.cl__head:focus-visible{box-shadow:inset 0 0 0 2px var(--ink)}
.cl__who{min-width:0}
.cl__who b{display:block;font-weight:600;font-size:15px}
.cl__who small{display:block;color:var(--muted);font-size:12.5px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.cl__stat{text-align:right}
.cl__stat small{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.cl__stat b{font-weight:600;font-variant-numeric:tabular-nums}
.cl__head .chev{color:var(--muted);transform:rotate(45deg)}
.cl.open .cl__head .chev{transform:rotate(225deg)}
.cl__body{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s var(--ease)}
.cl.open .cl__body{grid-template-rows:1fr}
.cl__body>div{overflow:hidden}
.cl__inner{border-top:1px solid var(--line);margin:0 18px;padding:18px 0}
.cl-modal .cl{border:0;box-shadow:none;margin:0}
.cl-modal .cl__head{display:none}
.cl-modal .cl__inner{margin:0;border:0;padding:0}
.table tfoot td{border-top:1px solid var(--line-2);padding:14px 12px}
@media (max-width:900px){
  .cl__head{grid-template-columns:auto minmax(0,1fr) auto auto;gap:12px}
  .cl__head>:nth-child(3),.cl__head>:nth-child(4){display:none}
  .cl__head .chev{display:none}
}
@media (max-width:640px){
  .cl__head{grid-template-columns:auto minmax(0,1fr) auto;padding:14px}
  .cl__head .cl__stat{display:none}
  .toolbar .input{max-width:none}
  .toolbar #cFilter,.toolbar #dFilter{width:100%!important}
  #cExpand{margin-left:0!important}
}
.dash>*,.dash__grid>*,.cl__inner{min-width:0}
.rate-chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:10px}
.chip-l{height:32px;padding:0 12px;border-radius:999px;border:1px solid var(--line-2);background:#fff;font-size:13px;font-weight:500;color:var(--muted);transition:all .2s}
.chip-l:hover{border-color:var(--ink);color:var(--text)}
.chip-l.on{background:var(--ink);border-color:var(--ink);color:#fff}

/* ───────── ADMIN: cortes 15 y 30 ───────── */
.cut-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:24px}
.cut-kpi{background:var(--paper);border-radius:14px;padding:16px}
.cut-kpi small{display:block;font-size:12px;color:var(--muted)}
.cut-kpi b{font-family:var(--serif);font-weight:400;font-size:32px;line-height:1.1;font-variant-numeric:tabular-nums}
.cut-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
.cut-col{border:1px solid var(--line);border-radius:18px;padding:6px 16px 10px;min-width:0}
.cut-col__head{display:flex;align-items:center;gap:10px;padding:12px 0;border-bottom:1px solid var(--line)}
.cut-col__head h4{font-size:15px;font-weight:600;flex:1}
.cut-row{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:12px;align-items:center;padding:14px 0;border-bottom:1px solid var(--line)}
.cut-row:last-child{border-bottom:0}
.cut-row__who b{display:block;font-weight:600;font-size:14px}
.cut-row__who small{display:block;font-size:12.5px;color:var(--muted)}
.cut-row__amt{text-align:right;display:flex;flex-direction:column;align-items:flex-end;gap:6px}
.cut-row__amt b{font-variant-numeric:tabular-nums}
.cut-row__amt small{font-size:12px;color:var(--muted)}
@media (max-width:900px){.cut-grid{grid-template-columns:1fr}.cut-kpis{grid-template-columns:1fr 1fr}}
.brand__jg{font-family:var(--serif);font-size:17px;line-height:1;color:var(--gold);letter-spacing:-.02em;transform:translateY(1px)}