:root{
    --brand-dark:#1A2530;
    --brand-cyan:#00B4D8;
    --petrol:#ffffff; --petrol-dark:#f8fafc; --slate:rgba(29,45,66,.12);
    --copper:#00B4D8; --copper-hi:#008fb2;
    --ivory:#1d2d42; --ivory-dim:rgba(29,45,66,.66);
    --ok:#0f9f6e; --bad:#d84c3f;
    --w:#ffffff; --n:#1d2d42; --line:rgba(29,45,66,.10);
    --muted:rgba(29,45,66,.70); --muted2:rgba(29,45,66,.62);
    --glass-bg:rgba(255,255,255,.85); --glass-border:rgba(26,37,48,.10);
    --shadow:0 22px 70px rgba(29,45,66,.12);
    --shadow2:0 14px 40px rgba(29,45,66,.10);
    --f-text:#4a5568; --f-border:#eaeaea; --f-light:#f8fafc;
    --radius:18px;
  }
  *{box-sizing:border-box; margin:0; padding:0}
  body{
    font-family:'Montserrat', Arial, sans-serif;
    background-color:var(--w);
    background-image:
      radial-gradient(900px 520px at 12% 0%, rgba(29,45,66,.06), transparent 60%),
      radial-gradient(820px 520px at 82% 12%, rgba(29,45,66,.05), transparent 62%),
      radial-gradient(rgba(29,45,66,.08) 1px, transparent 1px);
    background-size:100% 100%, 100% 100%, 24px 24px;
    color:var(--n); min-height:100vh; padding:0; overflow-x:hidden;
  }
  .mortgage-public-shell{padding:150px 16px 54px}
  .wrap{width:min(1180px, 92vw); margin:0 auto}

  /* ---------- Header publico Menares ---------- */
  .enterprise-header-wrapper{
    position:fixed; top:24px; left:0; width:100%; z-index:9999; padding:0 4%;
    display:flex; justify-content:center; pointer-events:none; font-family:'Montserrat',Arial,sans-serif;
  }
  .enterprise-nav-bar{
    width:100%; max-width:1350px; min-height:76px; background:var(--glass-bg);
    border:1px solid var(--glass-border); border-radius:24px; box-shadow:0 15px 35px rgba(26,37,48,.08);
    display:flex; justify-content:flex-end; align-items:center; gap:18px; padding:0 30px; position:relative;
    pointer-events:auto; backdrop-filter:blur(18px) saturate(145%); -webkit-backdrop-filter:blur(18px) saturate(145%);
  }
  .brand-logo{position:absolute; left:40px; top:-15px; z-index:2; text-decoration:none}
  .brand-logo img{height:110px; width:auto; filter:drop-shadow(0 12px 20px rgba(26,37,48,.18)); transition:transform .3s ease}
  .brand-logo:hover img{transform:scale(1.04) translateY(-2px)}
  .nav-links{display:flex; align-items:center; justify-content:flex-end; gap:12px}
  .nav-link{
    color:var(--brand-dark); text-decoration:none; font-size:12px; font-weight:700; text-transform:uppercase;
    letter-spacing:1.5px; padding:10px 22px; border-radius:999px; border:1.5px solid rgba(26,37,48,.15);
    transition:.22s ease; white-space:nowrap;
  }
  .nav-link:hover,.nav-link.active-section{
    color:var(--brand-cyan); border-color:var(--brand-cyan); background:rgba(0,180,216,.04);
    transform:translateY(-2px); box-shadow:0 5px 15px rgba(0,180,216,.10);
  }
  .mobile-menu-btn{
    display:none; align-items:center; gap:10px; background:transparent; border:0; color:#1A2530;
    font-family:'Montserrat',Arial,sans-serif; font-weight:900; font-size:12px; text-transform:uppercase;
    letter-spacing:1px; cursor:pointer; padding:10px 0; margin:0; width:auto;
  }
  .mobile-menu-btn:hover{background:transparent; color:#00B4D8}
  .menu-icon{font-size:22px; line-height:1; color:#00B4D8}
  @media(max-width:1024px){
    .enterprise-header-wrapper{top:12px; padding:0 15px}
    .enterprise-nav-bar{min-height:65px; border-radius:16px; padding:0 20px}
    .brand-logo{left:20px; top:-5px}
    .brand-logo img{height:75px}
    .nav-links{display:none}
    .mobile-menu-btn{display:flex}
    .enterprise-nav-bar.mobile-active .nav-links{
      display:flex; flex-direction:column; position:absolute; top:100%; left:0; right:0; width:100%;
      margin-top:12px; padding:20px; border-radius:16px; background:rgba(255,255,255,.98);
      border:1px solid rgba(26,37,48,.10); box-shadow:0 25px 50px rgba(26,37,48,.18); gap:10px;
    }
    .enterprise-nav-bar.mobile-active .nav-link{width:100%; text-align:center; padding:14px}
    .mortgage-public-shell{padding-top:104px}
  }

  /* ---------- Layout ---------- */
  .grid{display:grid; grid-template-columns:minmax(420px,520px) 1fr; gap:24px; align-items:start}
  @media(max-width:900px){ .grid{grid-template-columns:1fr} }
  .card{background:var(--w); border:1px solid var(--line); border-radius:var(--radius); padding:24px; box-shadow:var(--shadow2)}
  .card h2{font-family:'Montserrat', Arial, sans-serif; font-size:22px; font-weight:800; margin-bottom:16px; color:var(--n)}
  .eyebrow{display:flex; align-items:center; gap:10px; color:var(--copper-hi); font-size:11px; letter-spacing:.25em; font-weight:600; margin-bottom:8px}
  .eyebrow::before{content:""; width:26px; height:3px; background:var(--copper)}

  /* ---------- Formulario ---------- */
  label{display:block; font-size:12px; letter-spacing:.06em; color:var(--ivory-dim); margin:14px 0 5px; font-weight:600; text-transform:uppercase}
  input, select{
    min-height:42px;
    width:100%; padding:11px 12px; border-radius:9px; border:1px solid var(--slate);
    background:var(--petrol-dark); color:var(--n); font-family:inherit; font-size:15px;
  }
  input[readonly]{background:#eef3f7; color:var(--muted); cursor:not-allowed}
  input:focus, select:focus{outline:2px solid var(--copper); outline-offset:1px; border-color:var(--copper)}
  .pct-wrap{display:block; position:relative}
  .pct-wrap input{padding-right:34px}
  .pct-wrap::after{
    content:"%"; position:absolute; right:13px; top:50%; transform:translateY(-50%);
    color:var(--ivory-dim); font-size:13px; font-weight:800; pointer-events:none;
  }
  .comp-row .pct-wrap input{padding-right:30px}
  .row2{display:grid; grid-template-columns:1fr 1fr; gap:12px; align-items:start}
  .row2 > div{display:flex; flex-direction:column}
  .row2 > div > label{min-height:34px; display:flex; align-items:flex-end}
  @media(max-width:620px){ .row2 > div > label{min-height:0} }
  .hint{font-size:12px; color:var(--ivory-dim); margin-top:4px}
  details{margin-top:18px; border-top:1px dashed var(--slate); padding-top:12px}
  summary{cursor:pointer; color:var(--copper-hi); font-weight:600; font-size:14px}
  summary:hover{color:var(--copper)}
  .check{display:flex; align-items:center; gap:9px; margin-top:14px; font-size:13.5px; color:var(--ivory)}
  .check input{width:auto}
  .deuda-row{
    display:grid;
    grid-template-columns:minmax(170px,1.15fr) minmax(150px,.95fr) minmax(145px,.9fr) minmax(112px,.7fr) 40px;
    gap:8px; margin-bottom:8px;
  }
  @media(max-width:760px){
    .deuda-row{grid-template-columns:minmax(180px,1fr) minmax(150px,.85fr) 40px}
    .deuda-row .d-tipo{grid-column:1/2}
    .deuda-row .d-modo{grid-column:2/3}
    .deuda-row .d-del{grid-row:1; grid-column:3}
    .deuda-row .d-monto{grid-column:1/2}
    .deuda-row .d-meses{grid-column:2/4}
  }
  @media(max-width:560px){
    .deuda-row{grid-template-columns:1fr 1fr 36px}
    .deuda-row .d-tipo{grid-column:1/3} .deuda-row .d-del{grid-row:1; grid-column:3}
    .deuda-row .d-modo{grid-column:1/2} .deuda-row .d-monto{grid-column:2/4}
    .deuda-row .d-meses{grid-column:1/4}
  }
  .deuda-row input, .deuda-row select{min-width:0; padding:9px 10px; font-size:13.5px}
  .d-del{margin:0; padding:0; width:40px; height:39px; border-radius:9px; background:transparent; border:1px solid var(--slate); color:var(--bad); font-size:14px; letter-spacing:0}
  .d-del:hover{background:rgba(226,101,79,.12)}
  .highlight.h-ok{border-color:var(--ok); background:rgba(76,175,125,.08)}
  .highlight.h-bad{border-color:var(--bad); background:rgba(226,101,79,.08)}
  button{
    width:100%; margin-top:22px; padding:14px; border:none; border-radius:30px; cursor:pointer;
    background:var(--copper); color:#fff; font-weight:700; font-size:14px;
    letter-spacing:.14em; font-family:inherit; transition:background .15s;
  }
  button:hover{background:var(--copper-hi)}
  .btn-mini{margin-top:8px; padding:9px; font-size:11px; background:transparent; border:1px solid var(--copper); color:var(--copper-hi)}
  .btn-mini:hover{background:rgba(0,180,216,.12)}
  #btnIndicadores{display:none}
  #btnIndicadores.on{display:block}
  #msgIndicadores{font-size:12px; margin-top:6px; color:var(--ivory-dim)}
  .indicator-locked{
    background:#eef1f4 !important;
    color:#6b7280 !important;
    border-color:#d6dde5 !important;
    cursor:not-allowed !important;
    box-shadow:inset 0 1px 0 rgba(255,255,255,.7) !important;
  }
  .indicator-locked:focus{
    outline:none !important;
    box-shadow:inset 0 1px 0 rgba(255,255,255,.7) !important;
    border-color:#d6dde5 !important;
  }
  .error{color:var(--bad); font-size:13px; margin-top:10px; display:none}

  /* ---------- Resultados ---------- */
  .kpis{display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); gap:12px; margin-bottom:18px}
  .kpi{border:1px solid var(--slate); border-radius:12px; padding:14px}
  .kpi small{display:block; font-size:10.5px; letter-spacing:.12em; color:var(--ivory-dim); text-transform:uppercase; margin-bottom:6px}
  .kpi strong{font-family:'Montserrat', Arial, sans-serif; font-size:21px; font-weight:800; display:block; line-height:1.15; font-variant-numeric:tabular-nums}
  .kpi em{display:block; font-style:normal; font-size:12.5px; color:var(--ivory-dim); margin-top:3px}
  .kpi.delta-ok{border-color:var(--ok)} .kpi.delta-ok strong{color:var(--ok)}
  .kpi.delta-bad{border-color:var(--bad)} .kpi.delta-bad strong{color:var(--bad)}

  .highlight{background:rgba(0,180,216,.08); border:1px solid var(--copper); border-radius:12px; padding:14px 16px; margin:6px 0 18px; font-size:14.5px; line-height:1.5}
  .highlight b{color:var(--copper-hi)}

  .ev-panel{display:grid; gap:18px}
  .ev-panel .kpis{grid-template-columns:repeat(auto-fit,minmax(178px,1fr)); gap:12px; margin-bottom:0}
  .ev-metric{
    position:relative; min-height:112px; border-radius:8px; border:1px solid var(--line);
    border-left:4px solid var(--brand-cyan); background:linear-gradient(180deg,#fff 0%,#fbfdff 100%);
    padding:15px 16px; box-shadow:0 10px 24px rgba(29,45,66,.06);
  }
  .ev-metric small{font-size:10px; font-weight:800; letter-spacing:.13em; color:var(--muted2)}
  .ev-metric strong{font-size:24px; font-weight:900; color:var(--brand-dark); margin-top:8px}
  .ev-metric em{font-size:12px; line-height:1.35; color:var(--muted)}
  .ev-metric.delta-ok{border-left-color:var(--ok)}
  .ev-metric.delta-bad{border-left-color:var(--bad)}
  .ev-status{
    display:flex; align-items:flex-start; gap:12px; border-radius:8px; padding:15px 16px;
    margin:0; font-size:14px; line-height:1.65; color:var(--n);
  }
  .ev-status b{color:var(--n); font-weight:800}
  .ev-status-icon{
    width:26px; height:26px; flex:0 0 26px; display:grid; place-items:center;
    border-radius:999px; font-weight:900; font-size:14px; color:#fff; background:var(--brand-cyan);
  }
  .ev-status-ok{border-color:rgba(15,159,110,.35); background:rgba(15,159,110,.07)}
  .ev-status-ok .ev-status-icon{background:var(--ok)}
  .ev-status-warn{border-color:rgba(0,180,216,.45); background:rgba(0,180,216,.07)}
  .ev-status-bad{border-color:rgba(216,76,63,.34); background:rgba(216,76,63,.055)}
  .ev-status-bad .ev-status-icon{background:rgba(216,76,63,.13); color:var(--bad)}
  .ev-section-title{margin:6px 0 12px; font-size:20px; line-height:1.2; font-weight:900; color:var(--brand-dark)}
  .ev-capacidad{display:grid; gap:14px}
  .ev-note{font-size:14px; line-height:1.65; color:var(--n); margin-top:2px}
  .ev-note b{font-weight:900; color:var(--brand-dark)}
  .ev-table-title{margin:6px 0 10px; font-size:20px; line-height:1.2; font-weight:900; color:var(--brand-dark)}
  .ev-profile{
    display:inline-flex; align-items:center; justify-content:center; min-width:112px; padding:5px 9px;
    border-radius:999px; font-size:12px; font-weight:800; background:rgba(0,180,216,.08); color:var(--copper-hi);
  }
  .ev-profile-ok{background:rgba(15,159,110,.10); color:var(--ok)}
  .ev-profile-bad{background:rgba(216,76,63,.10); color:var(--bad)}
  .ev-footnote{font-size:12.5px; color:var(--muted); line-height:1.6; margin-top:10px}

  table{width:100%; border-collapse:collapse; font-size:13.5px; margin-top:6px}
  th,td{padding:9px 8px; text-align:right; border-bottom:1px solid var(--slate)}
  th{color:var(--copper-hi); font-size:10.5px; letter-spacing:.1em; text-transform:uppercase}
  th:first-child, td:first-child{text-align:left}
  tr:last-child td{border-bottom:none}
  .tbl-scroll{overflow-x:auto}
  #tablaProy td:not(:first-child){
    white-space:nowrap;
    font-variant-numeric:tabular-nums;
  }
  @media(max-width:680px){
    #cardProy .tbl-scroll{
      margin-inline:-2px;
      -webkit-overflow-scrolling:touch;
    }
    #tablaProy{
      min-width:640px;
      table-layout:auto;
    }
    #tablaProy th,
    #tablaProy td{
      padding:9px 10px;
    }
    #tablaProy th{
      white-space:normal;
      font-size:9.5px;
      line-height:1.25;
    }
    #tablaProy td{
      white-space:nowrap;
    }
    #tablaProy td:first-child{
      min-width:58px;
      white-space:normal;
    }
    #tablaProy td:not(:first-child){
      min-width:82px;
      text-align:right;
    }
    #tablaProy td[colspan]{
      white-space:normal;
      min-width:0;
    }
  }

  canvas{width:100%; height:240px; margin-top:8px}
  .legend{display:flex; gap:18px; font-size:12px; color:var(--ivory-dim); margin-top:8px}
  .legend i{display:inline-block; width:22px; height:3px; vertical-align:middle; margin-right:6px}

  ul.recs{list-style:none; margin-top:4px}
  ul.recs li{display:flex; gap:11px; padding:10px 0; border-bottom:1px dashed var(--slate); font-size:14.5px; line-height:1.5}
  ul.recs li:last-child{border-bottom:none}
  .ic{flex:none; width:24px; height:24px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:13px; font-weight:700; margin-top:1px}
  .ic.ok{background:rgba(76,175,125,.18); color:var(--ok)}
  .ic.warn{background:rgba(216,76,63,.12); color:var(--bad)}
  .ic.info{background:rgba(0,180,216,.16); color:var(--copper-hi)}

  footer{margin-top:26px; padding-top:14px; border-top:1px solid var(--slate); font-size:12px; color:var(--ivory-dim); line-height:1.6}
  .results-column > footer{
    text-align:center;
    margin-left:auto;
    margin-right:auto;
  }
  @media(max-width:680px){
    .results-column > footer{
      text-align:justify;
      text-align-last:left;
      hyphens:auto;
    }
  }
  .premium-footer{margin-top:0; position:relative; background-color:var(--w); font-family:'Montserrat',sans-serif; padding:70px 5% 100px; color:var(--brand-dark); overflow:visible!important; border-top:1px solid var(--f-border)}
  .premium-footer::before{content:''; position:absolute; top:0; left:0; right:0; height:3px; background:linear-gradient(90deg,var(--brand-dark),var(--brand-cyan),var(--brand-dark)); background-size:200% 100%; animation:gradientMove 5s ease infinite}
  @keyframes gradientMove{0%{background-position:0% 50%}50%{background-position:100% 50%}100%{background-position:0% 50%}}
  .pf-container{max-width:1280px; margin:0 auto}
  .pf-grid{display:grid; grid-template-columns:1fr 1.2fr 1.2fr 1.5fr 1.2fr 1.5fr; gap:30px; margin-bottom:40px; align-items:start}
  .pf-title{font-size:13px; font-weight:800; text-transform:uppercase; letter-spacing:.1em; color:var(--n); margin-bottom:20px; text-align:left}
  .pf-col ul{list-style:none; padding:0; margin:0; text-align:left}
  .pf-col ul li{margin-bottom:12px}
  .pf-link{font-size:13px; font-weight:500; color:var(--f-text); text-decoration:none; position:relative; transition:color .3s ease; display:inline-block; padding-bottom:2px}
  .pf-link::after{content:''; position:absolute; width:0; height:1px; bottom:0; left:0; background-color:var(--brand-cyan); transition:width .3s cubic-bezier(.4,0,.2,1)}
  .pf-link:hover{color:var(--n)}
  .pf-link:hover::after{width:100%}
  .pf-logo-col{text-align:left}
  .pf-logo-col img{height:55px; width:auto; margin-bottom:25px; transition:transform .3s ease}
  .pf-logo-col img:hover{transform:scale(1.02)}
  .pf-socials{display:flex; gap:10px; justify-content:flex-start}
  .pf-social-btn{display:inline-flex; align-items:center; justify-content:center; width:36px; height:36px; border-radius:50%; background:var(--f-light); color:var(--n); text-decoration:none; font-size:16px; transition:all .3s cubic-bezier(.4,0,.2,1)}
  .pf-social-btn:hover{background:var(--brand-cyan); color:#fff; transform:translateY(-4px); box-shadow:0 10px 20px rgba(0,180,216,.20)}
  .pf-contact{text-align:right}
  .pf-contact .pf-title{text-align:right}
  .pf-contact p{font-size:13px; font-weight:500; color:var(--f-text); line-height:1.6; margin-bottom:20px}
  .pf-contact strong{color:var(--n); display:block; margin-bottom:5px; font-weight:700}
  .pf-contact-link{color:var(--n); font-weight:600; text-decoration:none; transition:color .3s ease}
  .pf-contact-link:hover{color:var(--brand-cyan)}
  .pf-indicators-bar{background-color:#f8fafc; border-radius:12px; padding:15px 30px; display:flex; justify-content:center; align-items:center; gap:25px; margin:30px auto 40px; max-width:1200px; font-size:14px; color:#1d2d42; border:1px solid #edf2f7; flex-wrap:wrap}
  .pf-indicator-item{display:flex; align-items:center; gap:8px; font-weight:600}
  .pf-indicator-item i{color:#00B4D8; font-size:16px}
  .mf-live-ticker{display:flex; align-items:center; gap:10px; font-weight:800; color:#10b981; text-transform:uppercase; letter-spacing:.5px; margin-right:10px}
  .live-dot{width:8px; height:8px; border-radius:50%; background-color:#10b981; box-shadow:0 0 0 0 rgba(16,185,129,.7); animation:pulseDot 2s infinite}
  @keyframes pulseDot{0%{transform:scale(.95); box-shadow:0 0 0 0 rgba(16,185,129,.7)}70%{transform:scale(1); box-shadow:0 0 0 10px rgba(16,185,129,0)}100%{transform:scale(.95); box-shadow:0 0 0 0 rgba(16,185,129,0)}}
  .pf-bottom{display:flex; justify-content:space-between; align-items:center; gap:20px; padding-top:20px; border-top:1px solid var(--f-border); font-size:13px; color:var(--f-text); position:relative; z-index:1000}
  .pf-bottom>div{min-width:0}
  .pf-bottom a{color:var(--f-text); text-decoration:none; transition:color .3s ease}
  .pf-bottom a:hover{color:var(--brand-cyan)}
  .pf-bottom-links{display:flex; flex-wrap:wrap; justify-content:flex-end; align-items:center; gap:8px 14px; text-align:right}
  .pf-bottom-links a{overflow-wrap:anywhere; word-break:break-word}
  .pf-separator{color:rgba(26,37,48,.35)}
  @media(max-width:1100px){.pf-grid{grid-template-columns:repeat(3,1fr); gap:40px}.pf-contact,.pf-contact .pf-title{text-align:left}}
  @media(max-width:768px){.pf-grid{grid-template-columns:1fr; gap:40px}.premium-footer{padding:50px 5% 60px}.pf-col,.pf-title,.pf-col ul,.pf-logo-col,.pf-contact,.pf-contact p,.pf-contact .pf-title{text-align:center!important}.pf-socials{justify-content:center}.pf-logo-col img{margin:0 auto 20px; display:block}.pf-bottom{flex-direction:column; gap:15px; text-align:center; align-items:center}.pf-bottom>div{width:100%; max-width:100%}.pf-bottom-links{width:100%; justify-content:center; text-align:center; flex-direction:row; flex-wrap:wrap; gap:8px 12px}.pf-separator{display:inline-block}.pf-indicators-bar{flex-direction:column; gap:10px; text-align:center}}
  #resultados{display:none; flex-direction:column}
  .sec{margin-top:22px}
  .result-toolbar{
    order:0; display:flex; align-items:center; justify-content:space-between; gap:18px;
    background:linear-gradient(135deg,#fff 0%,#f6fbfd 100%); border:1px solid var(--line);
    border-radius:var(--radius); padding:20px; box-shadow:var(--shadow2); margin-bottom:22px;
  }
  .result-toolbar h2{font-size:24px; line-height:1.2; margin:0 0 6px; font-weight:900; color:var(--brand-dark)}
  .result-toolbar p{font-size:13.5px; line-height:1.55; color:var(--muted); max-width:62ch}
  .result-actions{display:grid; grid-template-columns:1fr 1fr; gap:10px; min-width:min(430px,100%)}
  .result-actions button{margin:0; min-height:44px; padding:11px 14px; border-radius:999px; font-size:12px}
  .result-actions .btn-back{background:var(--brand-dark); color:#fff}
  .result-actions .btn-back:hover{background:#111a22}
  .result-actions .btn-secondary{background:#fff; color:var(--copper-hi); border:1px solid var(--copper)}
  .result-actions .btn-secondary:hover{background:rgba(0,180,216,.08)}

  /* --- Selector de intención --- */
  .modos{display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:8px}
  .modo{width:auto; margin:0; padding:12px 11px; border-radius:12px; background:transparent;
        border:1px solid var(--slate); color:var(--ivory); font-size:12.5px; font-weight:600;
        letter-spacing:.02em; line-height:1.35; text-align:left; display:flex; flex-direction:column;
        align-items:flex-start; gap:5px; transition:all .15s}
  .modo:hover{border-color:var(--copper); background:rgba(0,180,216,.08); color:var(--ivory)}
  .modo.activo{background:var(--copper); border-color:var(--copper); color:var(--petrol-dark)}
  .modo.activo:hover{background:var(--copper-hi)}
  .modo i{font-style:normal; font-size:17px}
  .modos .modo:last-child{grid-column:1/-1; flex-direction:row; align-items:center; gap:9px}

  /* --- Flujo guiado --- */
  .wizard-intro{
    border-radius:var(--radius); border:1px solid var(--line); background:rgba(255,255,255,.92);
    box-shadow:var(--shadow); padding:40px 34px 34px; position:relative; overflow:hidden; text-align:center;
  }
  .wizard-intro::before{
    content:""; position:absolute; inset:-2px; pointer-events:none;
    background:radial-gradient(520px 220px at 20% 0%, rgba(0,180,216,.08), transparent 62%),
               radial-gradient(520px 240px at 92% 10%, rgba(29,45,66,.06), transparent 65%);
  }
  .wizard-intro > *{position:relative}
  .step-kicker{
    display:inline-flex; align-items:center; gap:10px; color:var(--muted); font-size:12px;
    letter-spacing:.18em; text-transform:uppercase; font-weight:800;
  }
  .step-kicker::before,.step-kicker::after{content:""; width:34px; height:2px; background:linear-gradient(90deg,transparent,var(--n),transparent); border-radius:999px}
  .sim-live-counter{
    display:inline-flex; align-items:center; gap:12px; max-width:100%; padding:10px 10px 10px 15px;
    border:1px solid rgba(0,180,216,.42); border-radius:999px;
    background:linear-gradient(135deg,#ffffff 0%,#eefcff 100%);
    color:var(--brand-dark); box-shadow:0 18px 42px rgba(29,45,66,.16), 0 0 0 5px rgba(0,180,216,.05);
  }
  .sim-live-counter .live-dot{flex:0 0 8px}
  .sim-live-counter span{font-size:11px; line-height:1.35; letter-spacing:.08em; text-transform:uppercase; font-weight:800; color:var(--muted)}
  .sim-live-counter strong{
    min-width:42px; height:32px; display:inline-grid; place-items:center; padding:0 11px;
    border-radius:999px; background:var(--brand-cyan); color:#fff; font-size:18px; line-height:1;
    font-weight:900; font-variant-numeric:tabular-nums; box-shadow:0 10px 24px rgba(0,180,216,.28)
  }
  .wizard-intro h2{
    font-family:'Montserrat', Arial, sans-serif; font-size:clamp(34px,5vw,56px);
    line-height:1.04; color:var(--n); margin:14px auto 12px; font-weight:800;
  }
  .wizard-intro p{color:var(--muted); font-size:16px; line-height:1.75; max-width:70ch; margin:0 auto}
  .wizard-modos{grid-template-columns:repeat(3,1fr); gap:16px; margin:32px 0 0; text-align:left}
  .wizard-modos .modo,
  .wizard-modos .modo:last-child{
    grid-column:auto; min-height:168px; padding:22px; border-radius:20px; flex-direction:column;
    align-items:flex-start; justify-content:space-between; gap:14px; background:var(--w);
    border:1px solid var(--line); color:var(--n); box-shadow:0 12px 32px rgba(29,45,66,.07);
  }
  .wizard-modos .modo:hover{
    border-color:var(--brand-cyan); background:rgba(0,180,216,.04); transform:translateY(-2px);
    box-shadow:0 18px 38px rgba(0,180,216,.12); color:var(--n);
  }
  .wizard-modos .modo.activo{background:var(--brand-dark); border-color:var(--brand-dark); color:#fff}
  .mode-icon{
    display:grid; place-items:center; width:42px; height:42px; border-radius:14px;
    background:rgba(0,180,216,.10); color:var(--brand-cyan); font-weight:900; letter-spacing:0;
  }
  .wizard-modos .modo.activo .mode-icon{background:rgba(255,255,255,.12); color:#fff}
  .mode-title{font-size:16px; line-height:1.25; font-weight:800}
  .mode-copy{font-size:13px; line-height:1.55; color:var(--muted); font-weight:500}
  .wizard-modos .modo.activo .mode-copy{color:rgba(255,255,255,.76)}
  .form-mode-summary{
    display:flex; align-items:center; justify-content:space-between; gap:16px; border:1px solid var(--line);
    background:var(--petrol-dark); border-radius:16px; padding:16px; margin-bottom:18px;
  }
  .form-mode-summary .eyebrow{margin:0 0 7px; font-size:10px}
  .form-mode-summary strong{display:block; color:var(--n); font-size:17px; line-height:1.25}
  .form-mode-summary span{display:block; color:var(--muted); font-size:13px; margin-top:4px; line-height:1.45}
  .form-mode-summary .btn-mini{width:auto; min-width:138px; margin:0; padding:10px 14px}
  body.flow-select .grid{display:none}
  body.flow-form .wizard-intro,
  body.flow-results .wizard-intro{display:none}
  body.flow-form .grid{grid-template-columns:minmax(320px,820px); justify-content:center}
  body.flow-form .results-column{display:none}
  body.flow-results .grid{display:block}
  body.flow-results .calc-form-card{display:none}
  body.flow-results .results-column{display:block}
  body.flow-results #resultados{width:min(980px, 100%); margin:0 auto}
  @media(max-width:900px){
    .wizard-intro{padding:26px 20px}
    .sim-live-counter{border-radius:16px; align-items:flex-start}
    .sim-live-counter span{text-align:left}
    .wizard-modos{grid-template-columns:1fr}
    .wizard-modos .modo{min-height:138px}
    .form-mode-summary{align-items:flex-start; flex-direction:column}
    .form-mode-summary .btn-mini{width:100%}
    .result-toolbar{align-items:stretch; flex-direction:column}
    .result-actions{grid-template-columns:1fr; min-width:0}
    .result-actions .btn-back{grid-column:auto}
  }

  /* --- Captura obligatoria antes de descargar o enviar --- */
  body.modal-open{overflow:hidden}
  .lead-modal[hidden]{display:none !important}
  .lead-modal{
    position:fixed; inset:0; z-index:12000; display:grid; place-items:center;
    padding:20px; background:rgba(26,37,48,.52); backdrop-filter:blur(8px);
  }
  .lead-dialog{
    width:min(760px, 100%); max-height:92vh; overflow:auto; background:#fff;
    border:1px solid var(--line); border-radius:16px; box-shadow:0 28px 90px rgba(26,37,48,.28);
  }
  .lead-head{display:flex; justify-content:space-between; align-items:flex-start; gap:14px; padding:22px 22px 10px}
  .lead-head h2{font-size:22px; line-height:1.2; margin:0 0 6px; font-weight:900; color:var(--brand-dark)}
  .lead-head p{font-size:13.5px; line-height:1.55; color:var(--muted)}
  .lead-close{
    width:38px; height:38px; flex:0 0 38px; margin:0; padding:0; border-radius:999px;
    background:#fff; border:1px solid var(--line); color:var(--bad); font-size:20px; letter-spacing:0;
  }
  .lead-close:hover{background:rgba(216,76,63,.08)}
  .lead-form{padding:0 22px 22px}
  .lead-grid{display:grid; grid-template-columns:1fr 1fr; gap:12px}
  .lead-field label{margin-top:12px}
  .lead-field input.invalid,.lead-field select.invalid{border-color:var(--bad); box-shadow:0 0 0 1px rgba(216,76,63,.08)}
  .lead-field input.valid,.lead-field select.valid{border-color:var(--brand-cyan)}
  .lead-hint{display:block; margin-top:5px; color:var(--muted); font-size:11.5px; line-height:1.35; font-weight:600}
  .lead-hint.bad{color:var(--bad)}
  .lead-hint.ok{color:var(--ok)}
  .lead-optional{margin-left:6px; color:var(--muted); font-size:11px; font-weight:700; text-transform:none; letter-spacing:0}
  .lead-input-status{position:relative}
  .lead-input-status input{padding-right:44px}
  .lead-field-check{
    position:absolute; right:12px; top:50%; transform:translateY(-50%);
    width:24px; height:24px; border-radius:999px; display:grid; place-items:center;
    background:rgba(15,155,118,.12); color:var(--ok); font-size:15px; font-weight:900;
    opacity:0; pointer-events:none; transition:opacity .16s ease, transform .16s ease;
  }
  .lead-field-check.on{opacity:1; transform:translateY(-50%) scale(1)}
  .lead-phone-split{display:grid; grid-template-columns:180px 1fr; gap:8px}
  .lead-email-split{display:grid; grid-template-columns:minmax(130px,1fr) auto minmax(150px,.9fr); gap:8px; align-items:center}
  .lead-email-split span{font-weight:900; color:var(--brand-cyan); text-align:center}
  .lead-domain-custom{grid-column:1/-1}
  .lead-domain-custom[hidden]{display:none}
  .lead-actions button:disabled{opacity:.55; cursor:not-allowed; transform:none; box-shadow:none}
  .lead-check{
    display:flex; align-items:flex-start; gap:10px; margin-top:16px; padding:13px;
    border:1px solid var(--line); border-radius:10px; background:var(--petrol-dark);
    font-size:13px; line-height:1.55; color:var(--muted); text-transform:none;
    letter-spacing:0; font-weight:500;
  }
  .lead-check input{width:18px; height:18px; min-height:auto; padding:0; margin-top:3px; flex:none; accent-color:var(--brand-cyan)}
  .lead-check a{color:var(--copper-hi); font-weight:800; text-decoration:none}
  .lead-check a:hover{text-decoration:underline}
  .lead-error{display:none; margin-top:12px; color:var(--bad); font-size:13px; line-height:1.45; font-weight:700}
  .lead-error.on{display:block}
  .lead-actions{display:flex; justify-content:flex-end; gap:10px; margin-top:18px}
  .lead-actions button{width:auto; min-width:160px; margin:0}
  .lead-actions .btn-secondary{background:#fff; color:var(--copper-hi); border:1px solid var(--copper)}
  .process-modal[hidden]{display:none !important}
  .process-modal{
    position:fixed; inset:0; z-index:12100; display:grid; place-items:center;
    padding:20px; background:rgba(26,37,48,.58); backdrop-filter:blur(9px);
  }
  .process-dialog{
    width:min(560px, 100%); background:#fff; border:1px solid rgba(0,175,215,.22);
    border-radius:18px; box-shadow:0 32px 95px rgba(26,37,48,.32);
    padding:26px; text-align:left;
  }
  .process-top{display:flex; align-items:flex-start; gap:16px}
  .process-spinner{
    width:48px; height:48px; flex:0 0 48px; border-radius:999px; display:grid; place-items:center;
    color:var(--brand-cyan); background:rgba(0,175,215,.1); font-size:20px;
  }
  .process-dialog h2{margin:2px 0 8px; color:var(--brand-dark); font-size:24px; line-height:1.18; font-weight:900}
  .process-dialog p{margin:0; color:var(--muted); line-height:1.55; font-size:14px}
  .process-steps{display:grid; gap:10px; margin-top:22px}
  .process-step{
    display:flex; align-items:center; gap:10px; min-height:42px; padding:10px 12px;
    border:1px solid var(--line); border-radius:12px; background:#f8fbfd;
    color:var(--muted); font-size:13px; font-weight:800;
  }
  .process-step-dot{
    width:20px; height:20px; flex:0 0 20px; border-radius:999px; display:grid; place-items:center;
    border:1px solid #cbd7df; color:#8a99a6; font-size:11px; background:#fff;
  }
  .process-step.is-active{border-color:rgba(0,175,215,.6); background:rgba(0,175,215,.08); color:var(--brand-dark)}
  .process-step.is-active .process-step-dot{border-color:var(--brand-cyan); color:var(--brand-cyan)}
  .process-step.is-done{border-color:rgba(15,155,118,.32); background:rgba(15,155,118,.08); color:var(--brand-dark)}
  .process-step.is-done .process-step-dot{background:var(--ok); border-color:var(--ok); color:#fff}
  .process-actions{display:flex; justify-content:flex-end; gap:10px; margin-top:20px}
  .process-actions[hidden]{display:none !important}
  .process-actions button{width:auto; min-width:170px; margin:0}
  .process-actions .btn-secondary{background:#fff; color:var(--copper-hi); border:1px solid var(--copper)}
  @media(max-width:680px){
    .lead-dialog{max-height:94vh}
    .lead-head{padding:18px 16px 8px}
    .lead-form{padding:0 16px 18px}
    .lead-grid{grid-template-columns:1fr}
    .lead-phone-split,.lead-email-split{grid-template-columns:1fr}
    .lead-email-split span{display:none}
    .lead-actions{flex-direction:column-reverse}
    .lead-actions button{width:100%}
    .process-dialog{padding:22px 18px}
    .process-top{gap:12px}
    .process-spinner{width:42px; height:42px; flex-basis:42px}
    .process-dialog h2{font-size:21px}
    .process-actions{flex-direction:column-reverse}
    .process-actions button{width:100%}
  }

  @media(max-width:680px){
    html{
      -webkit-text-size-adjust:100%;
      text-size-adjust:100%;
    }
    .calc-form-card input,
    .calc-form-card select,
    .lead-dialog input,
    .lead-dialog select{
      min-height:48px !important;
      height:48px !important;
      padding-top:12px !important;
      padding-bottom:12px !important;
      font-size:16px !important;
      line-height:1.2 !important;
      transform:none !important;
    }
    .calc-form-card input:focus,
    .calc-form-card select:focus,
    .lead-dialog input:focus,
    .lead-dialog select:focus{
      font-size:16px !important;
      transform:none !important;
    }
    .calc-form-card .pct-wrap input,
    .lead-dialog .lead-input-status input{height:48px !important}
    .check input,
    .lead-check input{
      width:18px !important;
      height:18px !important;
      min-height:18px !important;
      padding:0 !important;
    }
    .row2 > div > label{min-height:0}
  }

  /* --- Tooltips de ayuda "?" --- */
  .q{display:inline-flex; align-items:center; justify-content:center; width:17px; height:17px;
     border-radius:50%; border:1px solid var(--copper); color:var(--copper-hi); font-size:11px;
     margin-left:7px; cursor:pointer; position:relative; font-weight:700; vertical-align:middle;
     letter-spacing:0; flex:none}
  .q::after{content:attr(data-tip); position:absolute; bottom:24px; left:50%; transform:translateX(-50%);
     width:min(250px, 72vw); background:var(--petrol-dark); border:1px solid var(--copper); border-radius:10px;
     padding:10px 12px; font-size:12px; line-height:1.5; color:var(--ivory); font-weight:400;
     letter-spacing:.02em; text-transform:none; opacity:0; pointer-events:none; transition:opacity .15s; z-index:40}
  .q:hover::after, .q.on::after{opacity:1}
  @media(max-width:480px){ .q::after{left:auto; right:-10px; transform:none} }

  /* --- Visibilidad y orden según el modo elegido --- */
  #bloqueOptimizar{display:none; border:1px dashed var(--copper); border-radius:12px; padding:12px 14px 16px; margin-bottom:14px}
  body.m-optimizar #bloqueOptimizar{display:block}
  body.m-optimizar #wrapPie, body.m-optimizar #wrapPlazo, body.m-optimizar #hintPie{display:none}
  .d-detalle{grid-column:1/-1; display:none; grid-template-columns:repeat(6,1fr); gap:6px; margin:0 0 6px}
  .d-detalle.on{display:grid}
  .d-mes small{display:block; font-size:9.5px; color:var(--ivory-dim); margin-bottom:3px; letter-spacing:.06em; text-transform:uppercase}
  .d-mes input{padding:7px 8px; font-size:12.5px; width:100%}
  .d-mas{grid-column:span 2; align-self:end; font-size:10px; padding:8px 4px}
  @media(max-width:600px){ .d-detalle{grid-template-columns:repeat(3,1fr)} .d-mas{grid-column:span 3} }
  body.m-evaluar #secAvanzados, body.m-evaluar #secPrepago, body.m-evaluar #wrapArriendo,
  body.m-inversion #secEval, body.m-inversion #secPrepago,
  body.m-optimizar #secEval{display:none}
  body.m-evaluar #cardProy, body.m-evaluar #cardPrepago,
  body.m-inversion #cardEval, body.m-inversion #cardPrepago,
  body.m-optimizar #cardEval{display:none !important}
  #resultados > .card{order:5}
  #cardKpis{order:1} #cardEval{order:2} #cardProy{order:3} #cardPrepago{order:4} #cardComparar{order:6} #cardRecs{order:9} #cardCTA{order:10}
  .comp-row{display:grid; grid-template-columns:1.4fr 1fr 1fr; gap:8px; margin-bottom:8px}
  .comp-row input, .comp-row select{padding:9px 10px; font-size:13.5px}
  .comp-section-title{
    display:flex; align-items:center; justify-content:space-between; gap:10px; margin:14px 0 8px;
    color:var(--ivory); font-size:12px; font-weight:800; letter-spacing:.08em; text-transform:uppercase;
  }
  .comp-section-title small{color:var(--ivory-dim); font-size:11px; font-weight:700; letter-spacing:0; text-transform:none}
  .comp-row.auto select,.comp-row.auto input{background:#eef7fb; color:var(--muted)}
  .comp-row.auto input[readonly]{cursor:default}
  .comp-row.auto input.ref-text{font-weight:800; color:var(--muted); text-transform:none}
  body.m-evaluar #cardEval{order:0}
  body.m-optimizar #cardPrepago{order:2}

  /* --- Forma de compra (solo en Proyectar mi inversión) --- */
  #wrapCompra{display:none}
  body.m-inversion #wrapCompra{display:block; margin-bottom:12px}
  .compras{display:grid; grid-template-columns:1fr 1fr; gap:8px; margin-top:4px}
  .compra{width:auto; margin:0; padding:11px; border-radius:10px; background:transparent;
          border:1px solid var(--slate); color:var(--ivory); font-size:13px; font-weight:600; letter-spacing:.02em}
  .compra:hover{border-color:var(--copper); background:rgba(0,180,216,.08); color:var(--ivory)}
  .compra.activo{background:var(--copper); border-color:var(--copper); color:var(--petrol-dark)}
  .compra.activo:hover{background:var(--copper-hi)}
  body.m-inversion.c-contado #wrapBanco, body.m-inversion.c-contado #wrapPie,
  body.m-inversion.c-contado #wrapTasa, body.m-inversion.c-contado #wrapCae,
  body.m-inversion.c-contado #wrapAbono, body.m-inversion.c-contado #wrapChart{display:none}
  #wrapSegIncendio{display:none}
  body.m-inversion.c-contado #wrapSegIncendio{display:block}
  body.m-evaluar #secCostos{display:none}
  body.m-optimizar #secComparar, body.m-inversion.c-contado #secComparar{display:none}