/* ==========================================================================
   CréditoAuto Chile — styles.css
   Paleta: #0D2B55 (azul marino) | #1A5276 (azul acero) | #C9A84C (dorado)
           #F4F6F8 (gris claro) | #FFFFFF (blanco) | #1C1C1C (texto)
   Fuentes: Merriweather (títulos) | Inter (cuerpo)
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. RESET & BASE
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: 'Inter', sans-serif;
  color: #1C1C1C;
  background: #FFFFFF;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img, svg {
  display: block;
  max-width: 100%;
}

a {
  color: #1A5276;
  text-decoration: none;
  transition: color 0.2s ease;
}

a:hover {
  color: #C9A84C;
}

ul {
  list-style: none;
}

/* --------------------------------------------------------------------------
   2. TIPOGRAFÍA
   -------------------------------------------------------------------------- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', serif;
  line-height: 1.3;
  color: #0D2B55;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); }
h4 { font-size: 1.1rem; }

p {
  margin-bottom: 1rem;
  color: #1C1C1C;
}

.text-secondary { color: #5A6472; }

/* Línea decorativa dorada bajo H2 */
.section-title {
  position: relative;
  margin-bottom: 2rem;
}

.section-title::after {
  content: '';
  display: block;
  width: 60px;
  height: 3px;
  background: #C9A84C;
  margin-top: 0.6rem;
}

.section-title.centered {
  text-align: center;
}

.section-title.centered::after {
  margin-left: auto;
  margin-right: auto;
}

/* --------------------------------------------------------------------------
   3. LAYOUT — CONTENEDOR
   -------------------------------------------------------------------------- */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section {
  padding: 5rem 0;
}

.section--alt {
  background: #F4F6F8;
}

/* --------------------------------------------------------------------------
   4. NAVEGACIÓN
   -------------------------------------------------------------------------- */
.navbar {
  background: #0D2B55;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(13,43,85,0.18);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

/* Logo */
.navbar__logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: #FFFFFF;
  font-family: 'Merriweather', serif;
  font-size: 1.1rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.navbar__logo:hover {
  color: #C9A84C;
}

.navbar__logo-icon {
  width: 32px;
  height: 22px;
  fill: #C9A84C;
  flex-shrink: 0;
}

/* Menú de navegación */
.navbar__menu {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.navbar__link {
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 0.5rem 0.7rem;
  border-radius: 4px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  position: relative;
}

.navbar__link:hover,
.navbar__link.active {
  color: #FFFFFF;
  background: rgba(201,168,76,0.15);
}

.navbar__link.active::after {
  content: '';
  display: block;
  position: absolute;
  bottom: 0;
  left: 0.7rem;
  right: 0.7rem;
  height: 2px;
  background: #C9A84C;
  border-radius: 2px;
}

/* Hamburger */
.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 0.4rem;
  background: none;
  border: none;
  aria-label: "Abrir menú";
}

.navbar__hamburger span {
  display: block;
  width: 26px;
  height: 2px;
  background: #FFFFFF;
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

.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);
}

/* --------------------------------------------------------------------------
   5. FOOTER
   -------------------------------------------------------------------------- */
.footer {
  background: #0D2B55;
  color: rgba(255,255,255,0.8);
  padding: 4rem 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer__logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: #FFFFFF;
  font-family: 'Merriweather', serif;
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: 0.75rem;
}

.footer__logo svg {
  fill: #C9A84C;
  width: 28px;
  height: 20px;
}

.footer__desc {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
}

.footer__heading {
  font-family: 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #C9A84C;
  margin-bottom: 1rem;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer__links a {
  color: rgba(255,255,255,0.7);
  font-size: 0.875rem;
  transition: color 0.2s;
}

.footer__links a:hover {
  color: #C9A84C;
}

.footer__bottom {
  padding: 1.5rem 0;
  text-align: center;
}

.footer__copy {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 0.75rem;
}

.footer__disclaimer {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  max-width: 860px;
  margin: 0 auto;
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   6. HERO
   -------------------------------------------------------------------------- */
.hero {
  background: #0D2B55;
  background-image: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(255,255,255,0.02) 40px,
    rgba(255,255,255,0.02) 80px
  );
  padding: 5.5rem 0 5rem;
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero__badge {
  display: inline-block;
  background: rgba(201,168,76,0.2);
  color: #C9A84C;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.35rem 0.85rem;
  border-radius: 20px;
  margin-bottom: 1.25rem;
  border: 1px solid rgba(201,168,76,0.3);
}

.hero__title {
  font-family: 'Merriweather', serif;
  font-size: clamp(1.9rem, 5vw, 3rem);
  color: #FFFFFF;
  max-width: 720px;
  margin-bottom: 1.25rem;
  line-height: 1.25;
}

.hero__subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin-bottom: 2.25rem;
}

.hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

/* --------------------------------------------------------------------------
   7. BOTONES
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.6rem;
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 0.925rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.2s ease;
  text-decoration: none;
}

.btn--primary {
  background: #C9A84C;
  color: #0D2B55;
}

.btn--primary:hover {
  background: #b8943d;
  color: #0D2B55;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(201,168,76,0.4);
}

.btn--outline {
  background: transparent;
  color: #FFFFFF;
  border: 2px solid rgba(255,255,255,0.4);
}

.btn--outline:hover {
  border-color: #C9A84C;
  color: #C9A84C;
  transform: translateY(-1px);
}

.btn--secondary {
  background: #1A5276;
  color: #FFFFFF;
}

.btn--secondary:hover {
  background: #0D2B55;
  color: #FFFFFF;
  transform: translateY(-1px);
}

/* --------------------------------------------------------------------------
   8. TARJETAS (CARDS)
   -------------------------------------------------------------------------- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.cards-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

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

.card {
  background: #FFFFFF;
  border-radius: 10px;
  padding: 2rem 1.5rem;
  box-shadow: 0 2px 16px rgba(13,43,85,0.08);
  transition: transform 0.2s, box-shadow 0.2s;
  border: 1px solid rgba(13,43,85,0.06);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 30px rgba(13,43,85,0.13);
}

.card__icon {
  font-size: 2.25rem;
  margin-bottom: 1rem;
  display: block;
}

.card__title {
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  color: #0D2B55;
  margin-bottom: 0.5rem;
}

.card__text {
  font-size: 0.9rem;
  color: #5A6472;
  margin-bottom: 0;
}

.card--link {
  text-decoration: none;
  display: block;
  color: inherit;
}

.card--link:hover {
  color: inherit;
}

/* Tarjetas estadísticas */
.stat-card {
  background: #0D2B55;
  color: #FFFFFF;
  border-radius: 10px;
  padding: 2rem;
  text-align: center;
}

.stat-card__number {
  font-family: 'Merriweather', serif;
  font-size: 2.2rem;
  color: #C9A84C;
  display: block;
  margin-bottom: 0.5rem;
}

.stat-card__label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.4;
}

/* --------------------------------------------------------------------------
   9. AVISO INFORMATIVO (BANNER)
   -------------------------------------------------------------------------- */
.info-banner {
  background: #EBF3FB;
  border-left: 4px solid #1A5276;
  border-radius: 0 8px 8px 0;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  margin: 2rem 0;
}

.info-banner--warning {
  background: #FEF9EC;
  border-left-color: #C9A84C;
}

.info-banner__icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.info-banner__text {
  font-size: 0.9rem;
  color: #1C1C1C;
  margin: 0;
  line-height: 1.6;
}

.disclaimer-box {
  background: #FEF9EC;
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}

.disclaimer-box p {
  font-size: 0.85rem;
  color: #5A6472;
  margin: 0;
}

/* --------------------------------------------------------------------------
   10. ACORDEÓN / FAQ
   -------------------------------------------------------------------------- */
.accordion {
  border: 1px solid rgba(13,43,85,0.1);
  border-radius: 8px;
  overflow: hidden;
}

.accordion + .accordion {
  margin-top: 0.75rem;
}

.accordion__header {
  width: 100%;
  background: #FFFFFF;
  border: none;
  padding: 1.1rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  color: #0D2B55;
  transition: background 0.2s;
}

.accordion__header:hover {
  background: #F4F6F8;
}

.accordion__header.open {
  background: #F4F6F8;
  color: #1A5276;
}

.accordion__icon {
  font-size: 1.2rem;
  transition: transform 0.3s;
  flex-shrink: 0;
  margin-left: 1rem;
  color: #C9A84C;
}

.accordion__header.open .accordion__icon {
  transform: rotate(45deg);
}

.accordion__body {
  display: none;
  padding: 1.25rem 1.5rem;
  background: #FAFBFC;
  border-top: 1px solid rgba(13,43,85,0.07);
  font-size: 0.9rem;
  color: #5A6472;
  line-height: 1.7;
}

.accordion__body.open {
  display: block;
}

.accordion__body p:last-child {
  margin-bottom: 0;
}

/* --------------------------------------------------------------------------
   11. TABLA
   -------------------------------------------------------------------------- */
.table-wrapper {
  overflow-x: auto;
  border-radius: 8px;
  box-shadow: 0 2px 12px rgba(13,43,85,0.07);
  margin: 1.5rem 0;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

thead {
  background: #0D2B55;
  color: #FFFFFF;
}

thead th {
  padding: 0.9rem 1.1rem;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #FFFFFF;
}

tbody tr:nth-child(even) {
  background: #F4F6F8;
}

tbody tr:hover {
  background: #EBF3FB;
}

tbody td {
  padding: 0.85rem 1.1rem;
  border-bottom: 1px solid rgba(13,43,85,0.07);
  color: #1C1C1C;
  vertical-align: top;
}

tbody td strong {
  color: #0D2B55;
}

/* --------------------------------------------------------------------------
   12. CALCULADORA
   -------------------------------------------------------------------------- */
.calculator {
  background: #FFFFFF;
  border-radius: 12px;
  padding: 2.5rem;
  box-shadow: 0 4px 24px rgba(13,43,85,0.1);
  border: 1px solid rgba(13,43,85,0.08);
  max-width: 680px;
  margin: 0 auto;
}

.calculator__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: #0D2B55;
}

.form-group input,
.form-group select {
  padding: 0.7rem 0.9rem;
  border: 1.5px solid rgba(13,43,85,0.2);
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: #1C1C1C;
  background: #FFFFFF;
  transition: border-color 0.2s;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #1A5276;
  box-shadow: 0 0 0 3px rgba(26,82,118,0.12);
}

.calculator__result {
  background: #0D2B55;
  border-radius: 8px;
  padding: 1.5rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  text-align: center;
  margin-top: 1rem;
}

.result-item__label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  display: block;
  margin-bottom: 0.35rem;
}

.result-item__value {
  font-family: 'Merriweather', serif;
  font-size: 1.25rem;
  color: #C9A84C;
  display: block;
}

/* --------------------------------------------------------------------------
   13. GLOSARIO
   -------------------------------------------------------------------------- */
.glossary-search {
  position: relative;
  max-width: 480px;
  margin-bottom: 2rem;
}

.glossary-search input {
  width: 100%;
  padding: 0.85rem 1rem 0.85rem 2.8rem;
  border: 1.5px solid rgba(13,43,85,0.2);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: #1C1C1C;
  transition: border-color 0.2s;
}

.glossary-search input:focus {
  outline: none;
  border-color: #1A5276;
  box-shadow: 0 0 0 3px rgba(26,82,118,0.1);
}

.glossary-search__icon {
  position: absolute;
  left: 0.9rem;
  top: 50%;
  transform: translateY(-50%);
  color: #5A6472;
  font-size: 1rem;
  pointer-events: none;
}

.glossary-item {
  padding: 1.25rem 0;
  border-bottom: 1px solid rgba(13,43,85,0.08);
}

.glossary-item:last-child {
  border-bottom: none;
}

.glossary-item__term {
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  color: #0D2B55;
  margin-bottom: 0.4rem;
}

.glossary-item__def {
  font-size: 0.9rem;
  color: #5A6472;
  margin: 0;
  line-height: 1.65;
}

.glossary-letter {
  background: #0D2B55;
  color: #C9A84C;
  font-family: 'Merriweather', serif;
  font-size: 1.1rem;
  font-weight: 700;
  padding: 0.4rem 0.9rem;
  border-radius: 6px;
  margin: 1.5rem 0 0.5rem;
  display: inline-block;
}

#no-results {
  display: none;
  text-align: center;
  padding: 2rem;
  color: #5A6472;
  font-size: 0.9rem;
}

/* --------------------------------------------------------------------------
   14. CHECKLIST
   -------------------------------------------------------------------------- */
.checklist {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin: 1.5rem 0;
}

.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  background: #FFFFFF;
  padding: 0.85rem 1rem;
  border-radius: 8px;
  border: 1px solid rgba(13,43,85,0.1);
  font-size: 0.88rem;
  color: #1C1C1C;
}

.checklist-item::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  min-width: 22px;
  background: #C9A84C;
  color: #FFFFFF;
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  margin-top: 1px;
}

/* --------------------------------------------------------------------------
   15. ÁRBOL DE DECISIÓN
   -------------------------------------------------------------------------- */
.decision-tree {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 1.5rem 0;
}

.dt-row {
  display: flex;
  align-items: stretch;
}

.dt-question {
  background: #0D2B55;
  color: #FFFFFF;
  padding: 0.9rem 1.25rem;
  border-radius: 8px 0 0 8px;
  font-size: 0.88rem;
  font-weight: 600;
  flex: 0 0 40%;
  display: flex;
  align-items: center;
}

.dt-answer {
  background: #F4F6F8;
  padding: 0.9rem 1.25rem;
  font-size: 0.88rem;
  color: #1C1C1C;
  flex: 1;
  border-radius: 0 8px 8px 0;
  display: flex;
  align-items: center;
  border: 1px solid rgba(13,43,85,0.08);
  border-left: none;
}

.dt-row + .dt-row {
  margin-top: 0.5rem;
}

/* --------------------------------------------------------------------------
   16. BREADCRUMB
   -------------------------------------------------------------------------- */
.breadcrumb {
  background: #F4F6F8;
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(13,43,85,0.08);
}

.breadcrumb__list {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: #5A6472;
}

.breadcrumb__list li + li::before {
  content: '/';
  color: #C9A84C;
}

.breadcrumb__list a {
  color: #1A5276;
}

.breadcrumb__list a:hover {
  color: #C9A84C;
}

.breadcrumb__list li:last-child {
  color: #1C1C1C;
  font-weight: 500;
}

/* --------------------------------------------------------------------------
   17. PAGE HEADER
   -------------------------------------------------------------------------- */
.page-header {
  background: #0D2B55;
  background-image: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(255,255,255,0.015) 40px,
    rgba(255,255,255,0.015) 80px
  );
  padding: 3.5rem 0 3rem;
  color: #FFFFFF;
}

.page-header__label {
  display: inline-block;
  background: rgba(201,168,76,0.2);
  color: #C9A84C;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.3rem 0.8rem;
  border-radius: 20px;
  margin-bottom: 0.9rem;
  border: 1px solid rgba(201,168,76,0.3);
}

.page-header h1 {
  color: #FFFFFF;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  max-width: 700px;
  margin-bottom: 0.75rem;
}

.page-header__desc {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  max-width: 600px;
  margin: 0;
}

/* --------------------------------------------------------------------------
   18. FORMULARIO CONTACTO
   -------------------------------------------------------------------------- */
.contact-form {
  max-width: 620px;
}

.contact-form .form-group {
  margin-bottom: 1.25rem;
}

.contact-form textarea {
  padding: 0.75rem 0.9rem;
  border: 1.5px solid rgba(13,43,85,0.2);
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: #1C1C1C;
  resize: vertical;
  min-height: 130px;
  width: 100%;
  transition: border-color 0.2s;
}

.contact-form textarea:focus {
  outline: none;
  border-color: #1A5276;
  box-shadow: 0 0 0 3px rgba(26,82,118,0.1);
}

/* --------------------------------------------------------------------------
   19. TOPICS SECTION (Temas Destacados)
   -------------------------------------------------------------------------- */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.topic-card {
  background: #FFFFFF;
  border-radius: 10px;
  padding: 1.75rem 1.5rem;
  box-shadow: 0 2px 14px rgba(13,43,85,0.07);
  text-decoration: none;
  color: inherit;
  transition: transform 0.2s, box-shadow 0.2s;
  border-top: 3px solid transparent;
  display: block;
}

.topic-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(13,43,85,0.12);
  border-top-color: #C9A84C;
  color: inherit;
}

.topic-card__title {
  font-family: 'Merriweather', serif;
  font-size: 0.95rem;
  color: #0D2B55;
  margin-bottom: 0.5rem;
}

.topic-card__desc {
  font-size: 0.85rem;
  color: #5A6472;
  margin: 0;
  line-height: 1.5;
}

.topic-card__arrow {
  color: #C9A84C;
  font-size: 0.85rem;
  margin-top: 0.75rem;
  display: block;
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   20. LISTAS CON ESTILO
   -------------------------------------------------------------------------- */
.styled-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 1.5rem;
}

.styled-list li {
  padding: 0.5rem 0 0.5rem 1.75rem;
  position: relative;
  font-size: 0.9rem;
  color: #1C1C1C;
  border-bottom: 1px solid rgba(13,43,85,0.05);
}

.styled-list li::before {
  content: '▸';
  position: absolute;
  left: 0;
  color: #C9A84C;
  font-size: 0.85rem;
}

.numbered-tips {
  counter-reset: tips;
  list-style: none;
  padding: 0;
}

.numbered-tips .accordion {
  counter-increment: tips;
}

.numbered-tips .accordion__header::before {
  content: counter(tips, decimal-leading-zero);
  font-family: 'Merriweather', serif;
  font-size: 1rem;
  color: #C9A84C;
  margin-right: 0.75rem;
  font-weight: 700;
}

/* --------------------------------------------------------------------------
   21. AMORTIZATION TABLE
   -------------------------------------------------------------------------- */
.amort-note {
  font-size: 0.8rem;
  color: #5A6472;
  margin-top: 0.5rem;
  font-style: italic;
}

/* --------------------------------------------------------------------------
   22. LEGAL PAGES
   -------------------------------------------------------------------------- */
.legal-content {
  max-width: 820px;
}

.legal-content h2 {
  font-size: 1.25rem;
  margin-top: 2.5rem;
  margin-bottom: 0.75rem;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content h3 {
  font-size: 1rem;
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

.legal-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.legal-content ul li {
  margin-bottom: 0.35rem;
  font-size: 0.9rem;
  color: #1C1C1C;
}

.legal-content .last-updated {
  background: #F4F6F8;
  padding: 0.6rem 1rem;
  border-radius: 6px;
  font-size: 0.82rem;
  color: #5A6472;
  display: inline-block;
  margin-bottom: 2rem;
}

/* --------------------------------------------------------------------------
   23. RESPONSIVE — 1024px
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .cards-grid--3 {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .footer__grid {
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 2rem;
  }
}

/* --------------------------------------------------------------------------
   24. RESPONSIVE — 768px (MOBILE)
   -------------------------------------------------------------------------- */
@media (max-width: 768px) {
  .navbar__hamburger {
    display: flex;
  }

  .navbar__menu {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: #0D2B55;
    flex-direction: column;
    align-items: stretch;
    padding: 1rem;
    gap: 0.25rem;
    box-shadow: 0 8px 20px rgba(0,0,0,0.2);
    z-index: 999;
  }

  .navbar__menu.open {
    display: flex;
  }

  .navbar__link {
    padding: 0.75rem 1rem;
    border-radius: 6px;
    font-size: 0.95rem;
  }

  .navbar__link.active::after {
    display: none;
  }

  .navbar__inner {
    position: relative;
  }

  .hero {
    padding: 3.5rem 0 3rem;
  }

  .hero__actions {
    flex-direction: column;
  }

  .hero__actions .btn {
    text-align: center;
    justify-content: center;
  }

  .cards-grid,
  .cards-grid--3,
  .cards-grid--2 {
    grid-template-columns: 1fr;
  }

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

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .section {
    padding: 3rem 0;
  }

  .calculator {
    padding: 1.5rem;
  }

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

  .calculator__result {
    grid-template-columns: 1fr;
    text-align: left;
  }

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

  .dt-question,
  .dt-answer {
    flex: none;
  }

  .dt-row {
    flex-direction: column;
  }

  .dt-question {
    border-radius: 8px 8px 0 0;
  }

  .dt-answer {
    border-radius: 0 0 8px 8px;
    border-left: 1px solid rgba(13,43,85,0.08);
  }
}

@media (max-width: 480px) {
  .hero__title {
    font-size: 1.6rem;
  }

  .container {
    padding: 0 1rem;
  }
}

/* --------------------------------------------------------------------------
   25. UTILIDADES
   -------------------------------------------------------------------------- */
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 1rem; }
.mb-4 { margin-bottom: 2rem; }
.gap-top { margin-top: 3rem; }

.highlight {
  color: #C9A84C;
  font-weight: 700;
}

.badge {
  display: inline-block;
  background: #F4F6F8;
  color: #1A5276;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
  border: 1px solid rgba(26,82,118,0.15);
}

.divider {
  border: none;
  border-top: 1px solid rgba(13,43,85,0.1);
  margin: 2rem 0;
}

.print-hide { }

/* External links */
a[target="_blank"]::after {
  content: ' ↗';
  font-size: 0.75em;
  opacity: 0.6;
}

/* Focus visible */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid #C9A84C;
  outline-offset: 2px;
}