/* CalculadoraDePrestamos.com — design system
   Ink and deep teal for trust, one marigold accent for the number that matters.
   Fraunces for headings and results, Public Sans for reading and forms. */
:root{
  --ink:#14222B; --ink-2:#34444C; --muted:#64757C; --faint:#93A2A7;
  --line:#D9E1DE; --line-2:#E8EEEC; --paper:#F4F7F5; --card:#FFFFFF;
  --teal:#0B5D57; --teal-2:#0F766E; --teal-50:#E5F1EE; --teal-100:#CFE5E0;
  --gold:#D48F23; --gold-50:#FBF1DE; --brick:#B0442C; --brick-50:#FBEAE5; --good:#1B7A52; --good-50:#E4F3EB;
  --c1:#0F766E; --c2:#D48F23; --c3:#8DA5AA; --c4:#C2603F; --c5:#6E5B8F; --c0:#E2E8E6;
  --display:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Public Sans',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  --wrap:1180px; --measure:70ch; --r:10px;
  --shadow:0 1px 2px rgba(20,34,43,.05),0 8px 24px rgba(20,34,43,.06);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;
  font-feature-settings:"tnum" 0}
img,svg{max-width:100%}
a{color:var(--teal);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--teal-2)}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.15;color:var(--ink);margin:0;letter-spacing:-.01em;
  font-variation-settings:"opsz" 72;text-wrap:balance}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:var(--ink);color:#fff;padding:8px 12px}
.tnum,.stat-v,table{font-variant-numeric:tabular-nums}

/* ---------- header ---------- */
.top{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.top-in{display:flex;align-items:center;gap:28px;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:none}
.brand-mark{width:34px;height:34px;flex:none}
.brand-word{font-family:var(--display);font-size:21px;font-weight:600;letter-spacing:-.02em;line-height:1}
.brand-word em{font-style:italic;font-weight:500;color:var(--teal)}
.nav{display:flex;gap:4px;margin-left:auto;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}
.nav a{font-size:14.5px;font-weight:600;color:var(--ink-2);text-decoration:none;padding:8px 11px;border-radius:8px;white-space:nowrap}
.nav a:hover,.nav a[aria-current]{background:var(--teal-50);color:var(--teal)}
.nav a.cta{background:var(--teal);color:#fff}
.nav a.cta:hover{background:var(--teal-2);color:#fff}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;width:42px;height:38px;cursor:pointer}
.burger span{display:block;width:18px;height:2px;background:var(--ink);margin:4px auto}

/* ---------- crumbs, heads ---------- */
.crumbs{font-size:13.5px;color:var(--muted);padding:18px 0 0}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--teal)}
.crumbs span[aria-hidden]{margin:0 7px;color:var(--faint)}
.head{padding:22px 0 26px;max-width:860px}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);text-decoration:none;margin-bottom:12px}
.head h1{font-size:clamp(32px,4.4vw,50px)}
.dek{font-size:20px;line-height:1.5;color:var(--ink-2);margin:16px 0 0;max-width:62ch}
.byline{display:flex;flex-wrap:wrap;gap:4px 0;font-size:13.5px;color:var(--muted);margin-top:18px}
.byline span+span::before{content:"·";margin:0 9px;color:var(--faint)}
.byline a{color:var(--ink-2);font-weight:600;text-decoration:none}
.byline a:hover{color:var(--teal)}

/* ---------- article layout ---------- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start;padding-bottom:72px}
.prose{max-width:var(--measure);font-size:17.5px}
.prose>p:first-of-type{font-size:19px;color:var(--ink)}
.prose h2{font-size:30px;margin:2em 0 .5em;scroll-margin-top:90px}
.prose h3{font-size:22px;margin:1.6em 0 .4em;scroll-margin-top:90px}
.prose p{margin:0 0 1.1em}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin-bottom:.45em}
.prose li::marker{color:var(--teal)}
.prose strong{color:var(--ink);font-weight:700}
.prose hr{border:0;border-top:1px solid var(--line);margin:2.4em 0}
.prose blockquote{margin:1.6em 0;padding:4px 0 4px 20px;border-left:3px solid var(--gold);color:var(--ink-2)}
.tablewrap{overflow-x:auto;margin:1.4em 0 1.6em;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:var(--r);background:var(--card)}
.tablewrap table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.45}
.tablewrap th,.tablewrap td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top}
.tablewrap thead th{background:var(--teal-50);color:var(--teal);font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;border-bottom:1px solid var(--teal-100)}
.tablewrap tbody tr:last-child td{border-bottom:0}
.tablewrap tbody tr:nth-child(even) td{background:#FAFCFB}
.short{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:var(--r);padding:20px 24px 10px;margin:0 0 2em}
.short h2{font-family:var(--sans);font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin:0 0 10px}
.short ul{margin:0 0 .6em;padding-left:1.15em}
.short li{font-size:16.5px;margin-bottom:.5em}
.box{border-radius:var(--r);padding:20px 24px 6px;margin:1.6em 0 1.8em;position:relative}
.box::before{display:block;font-family:var(--sans);font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px}
.box--ejemplo{background:var(--gold-50);border:1px solid #F0DDB8}
.box--ejemplo::before{content:"Ejemplo";color:#9A6614}
.box--nota{background:var(--teal-50);border:1px solid var(--teal-100)}
.box--nota::before{content:"Ten en cuenta";color:var(--teal)}
.box .tablewrap{background:#fff}
.faq{margin-top:2.6em;border-top:2px solid var(--ink);padding-top:6px}
.faq>h2{margin-top:.8em}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;font-family:var(--display);font-size:20px;font-weight:600;padding:14px 36px 14px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:10px;font-family:var(--sans);font-size:26px;color:var(--teal);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 0 10px}
.sources{margin-top:2.4em;padding:22px 24px;background:var(--card);border:1px solid var(--line);border-radius:var(--r)}
.sources h2{font-family:var(--sans);font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.sources ol{margin:0;padding-left:1.2em;font-size:14.5px;line-height:1.5;color:var(--ink-2)}
.sources li{margin-bottom:.5em;overflow-wrap:anywhere}
.disclaimer{font-size:14px;color:var(--muted);margin-top:2em;padding-top:1.2em;border-top:1px solid var(--line)}

/* sidebar */
.side{position:sticky;top:92px;display:flex;flex-direction:column;gap:20px}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px 22px}
.panel h2{font-family:var(--sans);font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.panel ul{list-style:none;margin:0;padding:0}
.panel li+li{border-top:1px solid var(--line-2)}
.panel li a{display:block;padding:9px 0;font-size:15px;font-weight:600;color:var(--ink);text-decoration:none;line-height:1.35}
.panel li a:hover{color:var(--teal)}
.panel--toc li a{font-weight:500;font-size:14.5px;color:var(--ink-2)}
.calc-link{display:flex;gap:12px;align-items:center}
.calc-link svg{width:28px;height:28px;flex:none}

/* ---------- calculators ---------- */
.calc{background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);margin:1.8em 0 2.2em;overflow:hidden}
.calc-h{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:16px 22px;border-bottom:1px solid var(--line-2);background:linear-gradient(#FBFCFC,#F6F9F8)}
.calc-h h3{font-size:19px;margin:0}
.calc-h a{font-size:13.5px;font-weight:600;text-decoration:none}
.calc-body{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr)}
.calc-in{padding:20px 22px 22px;border-right:1px solid var(--line-2);background:#FCFDFD}
.calc-out{padding:22px 24px 24px;min-width:0}
.calc--wide .calc-body{grid-template-columns:minmax(0,1fr)}
.calc--wide .calc-in{border-right:0;border-bottom:1px solid var(--line-2)}
.fld{display:block;margin:0 0 14px}
.fld>span:first-child{display:block;font-size:13.5px;font-weight:700;color:var(--ink-2);margin-bottom:6px}
.fld>span:first-child small{font-weight:500;color:var(--muted)}
.fld .inp,.inp{display:flex;align-items:stretch;border:1px solid #C9D4D1;border-radius:8px;background:#fff;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.inp:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-50)}
.inp i{font-style:normal;display:flex;align-items:center;padding:0 10px;background:var(--paper);color:var(--muted);font-weight:600;font-size:15px}
.inp input,.inp select{flex:1;min-width:0;border:0;outline:0;font:inherit;font-size:16.5px;padding:10px 12px;background:transparent;color:var(--ink);font-variant-numeric:tabular-nums}
.inp select{cursor:pointer}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.seg-ctl{display:inline-flex;border:1px solid #C9D4D1;border-radius:8px;overflow:hidden;margin-bottom:12px}
.seg-ctl label{cursor:pointer}
.seg-ctl input{position:absolute;opacity:0;pointer-events:none}
.seg-ctl span{display:block;padding:8px 14px;font-size:14px;font-weight:600;color:var(--ink-2)}
.seg-ctl input:checked+span{background:var(--teal);color:#fff}
.seg-ctl input:focus-visible+span{outline:3px solid var(--gold);outline-offset:-3px}
.chk{display:flex;gap:8px;align-items:flex-start;font-size:14px;color:var(--ink-2);margin:4px 0 10px}
.debt-rows{display:flex;flex-direction:column;gap:10px;margin-bottom:10px}
.debt-row{display:grid;grid-template-columns:1.5fr 1fr .8fr 1fr 36px;gap:8px;align-items:end;padding-bottom:10px;border-bottom:1px dashed var(--line)}
.debt-row label span{display:block;font-size:12px;font-weight:700;color:var(--muted);margin-bottom:4px}
.debt-row input{width:100%;border:1px solid #C9D4D1;border-radius:7px;padding:8px 9px;font:inherit;font-size:15.5px;font-variant-numeric:tabular-nums}
.debt-row input:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-50)}
.debt-row .del{height:38px;border:1px solid var(--line);background:#fff;border-radius:7px;cursor:pointer;font-size:20px;color:var(--muted)}
.debt-row .del:hover{color:var(--brick);border-color:var(--brick)}
.add{border:1px dashed var(--teal);background:var(--teal-50);color:var(--teal);font:inherit;font-weight:700;font-size:14px;padding:8px 14px;border-radius:8px;cursor:pointer;margin-bottom:14px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px 18px;margin-bottom:18px}
.stat{display:flex;flex-direction:column;gap:2px;min-width:0}
.stat-l{font-size:12.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
.stat-v{font-family:var(--display);font-size:21px;white-space:nowrap;font-weight:600;line-height:1.2;overflow-wrap:anywhere}
.stat--big{grid-column:1/-1;padding:14px 16px;border-radius:10px;background:var(--gold-50);border:1px solid #F0DDB8}
.stat--big .stat-l{color:#9A6614}
.stat--big .stat-v{font-size:clamp(34px,4vw,44px);color:var(--ink)}
.stat.good .stat-v{color:var(--good)} .stat.badv .stat-v{color:var(--brick)}
.stat--big.good{background:var(--good-50);border-color:#BFE2CF} .stat--big.good .stat-l{color:var(--good)}
.stat--big.badv{background:var(--brick-50);border-color:#F1C9BD} .stat--big.badv .stat-l{color:var(--brick)}
.split{display:flex;height:14px;border-radius:7px;overflow:hidden;background:var(--c0);margin:6px 0 10px}
.seg{display:block;height:100%}
.c0{background:var(--c0)} .c1{background:var(--c1)} .c2{background:var(--c2)} .c3{background:var(--c3)} .c4{background:var(--c4)} .c5{background:var(--c5)}
.legend{list-style:none;margin:0 0 14px;padding:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:14px;color:var(--ink-2)}
.legend b{font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}
.sw{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.chart{margin:8px 0 14px}
.chart svg{width:100%;height:170px;display:block;background:linear-gradient(var(--line-2) 1px,transparent 1px) 0 0/100% 25%;border-bottom:1px solid var(--line)}
.chart .ln{fill:none;stroke-width:2.5;vector-effect:non-scaling-stroke}
.chart .ln.c1{stroke:var(--c1);background:none} .chart .ln.c3{stroke:var(--c3);stroke-dasharray:5 4}
.chart .tk{stroke:var(--line-2);vector-effect:non-scaling-stroke}
.chart text{font-size:11px;fill:var(--faint);font-family:var(--sans)}
.chart figcaption{display:flex;flex-wrap:wrap;gap:4px 16px;font-size:13px;color:var(--muted);margin-top:6px}
.chart figcaption i{display:inline-block;width:14px;height:3px;margin-right:6px;vertical-align:3px;border-radius:2px}
.chart figcaption .axis{margin-left:auto}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:0 0 14px}
.compare--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.compare>div{border:1px solid var(--line);border-radius:10px;padding:14px 16px;background:#fff}
.compare h4{font-family:var(--sans);font-size:13px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin:0 0 8px}
.compare p{margin:0;font-size:15px;line-height:1.55}
.compare p.big{font-family:var(--display);font-size:21px;font-weight:600;margin-bottom:4px;line-height:1.25}
.compare ol{margin:10px 0 0;padding-left:1.2em;font-size:14px}
.compare ol span{color:var(--muted)}
.compare .win{border-color:#9FD0B8;background:var(--good-50)} .compare .win h4{color:var(--good)}
.compare .bad{border-color:#EBC0B3;background:var(--brick-50)} .compare .bad h4{color:var(--brick)}
.calc-note{font-size:14px;line-height:1.55;color:var(--ink-2);background:var(--paper);border-radius:8px;padding:10px 14px;margin:0 0 14px}
.calc-note--warn{background:var(--brick-50);color:#7A2E1D}
.calc-warn{font-size:15px;color:#7A2E1D;background:var(--brick-50);border-radius:8px;padding:12px 14px;margin:0}
.calc-sub{font-family:var(--sans);font-size:13px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);margin:16px 0 0}
.calc-out .tablewrap{margin:8px 0 12px}
.amort{font-size:14px}
.amort td,.amort th{padding:7px 10px !important;white-space:nowrap}
.amort tr.on td{background:var(--gold-50) !important;font-weight:700}
.tall{max-height:420px;overflow-y:auto}
.sched{border:1px solid var(--line);border-radius:8px;margin:0 0 8px;background:#fff}
.sched summary{cursor:pointer;padding:10px 14px;font-size:14.5px;font-weight:700;color:var(--teal)}
.sched .tablewrap{border:0;border-top:1px solid var(--line-2);border-radius:0;margin:0}

/* ---------- home ---------- */
.hero{padding:44px 0 64px;background:var(--card);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:52px;align-items:start}
.hero-copy{padding-top:28px}
.hero h1{font-size:clamp(38px,5vw,62px);line-height:1.04;letter-spacing:-.025em}
.hero h1 em{font-style:italic;font-weight:500;color:var(--teal)}
.hero p.lede{font-size:19px;color:var(--ink-2);margin:20px 0 0;max-width:44ch}
.trust{list-style:none;margin:28px 0 0;padding:0;display:flex;flex-direction:column;gap:10px;font-size:15px;color:var(--ink-2)}
.trust li{display:flex;gap:10px;align-items:flex-start}
.trust li::before{content:"";width:18px;height:18px;flex:none;margin-top:3px;border-radius:50%;background:var(--teal-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%230B5D57' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.hero .calc{margin:0}
.sec{padding:64px 0}
.sec--white{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-bottom:28px}
.sec-head h2{font-size:clamp(28px,3vw,38px)}
.sec-head p{margin:8px 0 0;color:var(--muted);max-width:60ch}
.more{font-size:14.5px;font-weight:700;text-decoration:none;white-space:nowrap}
.calc-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.calc-card{position:relative;display:flex;flex-direction:column;gap:10px;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;transition:border-color .2s,box-shadow .2s,transform .2s}
.calc-card:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-2px)}
.calc-card svg{width:40px;height:40px}
.calc-card h3{font-size:19px}
.calc-card h3 a{color:var(--ink);text-decoration:none}
.calc-card h3 a::after{content:"";position:absolute;inset:0}
.calc-card p{margin:0;font-size:14.5px;line-height:1.5;color:var(--muted)}
.topics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.topic{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px 24px}
.topic h3{font-size:22px;margin-bottom:4px}
.topic h3 a{color:var(--ink);text-decoration:none}
.topic h3 a:hover{color:var(--teal)}
.topic>p{margin:0 0 12px;font-size:14.5px;color:var(--muted)}
.topic ul{list-style:none;margin:0;padding:0}
.topic li{border-top:1px solid var(--line-2)}
.topic li a{display:block;padding:9px 0;font-size:15px;font-weight:600;color:var(--ink-2);text-decoration:none;line-height:1.35}
.topic li a:hover{color:var(--teal)}
.band{background:var(--ink);color:#DCE6E4}
.band-in{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
.band h2{color:#fff;font-size:clamp(28px,3vw,38px)}
.band p{color:#C5D2CF;font-size:17px}
.band a{color:#F2C26B}
.terms{display:flex;flex-wrap:wrap;gap:10px}
.terms span{border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:7px 14px;font-size:14px;color:#E8EFED}
.terms span i{font-style:italic;color:#9FB6B2;margin-left:6px}

/* hubs and cards */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-bottom:56px}
.card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px 24px;transition:border-color .2s,box-shadow .2s}
.card:hover{border-color:var(--teal);box-shadow:var(--shadow)}
.card .kicker{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal)}
.card h3{font-size:21px;margin:8px 0 8px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a::after{content:"";position:absolute;inset:0}
.card p{margin:0;font-size:15px;color:var(--muted);line-height:1.55}
.hub-intro{max-width:var(--measure);font-size:18px;color:var(--ink-2);margin:0 0 32px}

/* ads (fixed, labelled) */
.ad-slot{margin:2em 0;padding:8px 0 4px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center;min-height:120px}
.ad-slot .ad-label{display:block;font-size:10.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--faint);margin-bottom:6px}
.ad-slot:has(ins[data-ad-status="unfilled"]){display:none}

/* ---------- footer ---------- */
.foot{background:var(--ink);color:#B9C7C4;padding:56px 0 28px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:32px}
.foot .brand{color:#fff}
.foot .brand-word em{color:#7FD1C4}
.foot p{margin:14px 0 0;max-width:38ch;line-height:1.6}
.foot h2{font-family:var(--sans);font-size:12.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#7F9692;margin:4px 0 12px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin:0 0 8px}
.foot a{color:#E2EBE9;text-decoration:none}
.foot a:hover{color:#F2C26B}
.foot-base{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;font-size:13.5px;color:#8DA19D;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}

/* ---------- responsive ---------- */
@media (max-width:1060px){
  .layout{grid-template-columns:minmax(0,1fr)}
  .side{position:static}
  .calc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .topics,.cards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .hero-in{grid-template-columns:minmax(0,1fr);gap:28px}
  .hero-copy{padding-top:0}
  .hero{background:var(--card)}
}
@media (max-width:860px){
  .nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--card);flex-direction:column;padding:10px 16px 16px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .burger{display:block}
  .calc-body{grid-template-columns:minmax(0,1fr)}
  .calc-in{border-right:0;border-bottom:1px solid var(--line-2)}
  .band-in,.foot-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
  .compare--3{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:620px){
  body{font-size:16.5px}
  .wrap{padding:0 16px}
  .calc-grid,.topics,.cards,.band-in,.foot-grid,.compare{grid-template-columns:minmax(0,1fr)}
  .stats{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stat-v{white-space:normal}
  .debt-row{grid-template-columns:1fr 1fr;}
  .debt-row label:first-child{grid-column:1/-1}
  .debt-row .del{grid-column:2;justify-self:end;width:44px}
  .calc-in,.calc-out{padding:16px}
  .prose{font-size:17px}
  .dek{font-size:18px}
  .chart figcaption .axis{margin-left:0}
}
@media (prefers-reduced-motion:reduce){*{transition:none !important}}
@media print{.top,.foot,.side,.ad-slot{display:none}}
.row2>*{min-width:0}
.inp select{width:100%;min-width:0;padding-right:4px}
@media (min-width:861px){.hero .calc-body{grid-template-columns:minmax(0,4fr) minmax(0,6fr)}}

/* ================= v2: photography, magazine layout ================= */
/* dropdown */
.more-menu{position:relative}
.more-btn{font:inherit;font-size:14.5px;font-weight:600;color:var(--ink-2);background:none;border:0;padding:8px 11px;border-radius:8px;cursor:pointer;white-space:nowrap;display:flex;align-items:center;gap:6px}
.more-btn::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);opacity:.7}
.more-btn:hover,.more-btn.on,.more-menu.open .more-btn{background:var(--teal-50);color:var(--teal)}
.more-list{display:none;position:absolute;right:0;top:calc(100% + 8px);min-width:220px;background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:0 12px 32px rgba(20,34,43,.14);padding:8px;flex-direction:column;z-index:50}
.more-menu.open .more-list{display:flex}
.more-list a{padding:9px 12px !important}
.nav{overflow:visible}
/* hero image on articles */
.hero-fig{margin:4px 0 40px;border-radius:16px;overflow:hidden;background:var(--line-2);aspect-ratio:21/9}
.hero-fig img,.hero-img{width:100%;height:100%;object-fit:cover;display:block}
.hero-fig--short{aspect-ratio:3/1}
.lead-fig{margin:0 0 2em;border-radius:14px;overflow:hidden;aspect-ratio:16/9;background:var(--line-2)}
.lead-fig img{width:100%;height:100%;object-fit:cover;display:block}
.layout--single{grid-template-columns:minmax(0,1fr)}
/* cards with photos */
.card{display:flex;flex-direction:column;padding:0;overflow:hidden}
.card-body{padding:20px 22px 22px}
.card-img{aspect-ratio:3/2;overflow:hidden;background:var(--line-2)}
.card-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s ease}
.card:hover .card-img img{transform:scale(1.04)}
.card h3{font-size:20px;margin:6px 0 8px}
.card--big h3{font-size:clamp(24px,2.4vw,30px)}
.card--big p{font-size:16px}
.cards--hub{grid-template-columns:repeat(6,minmax(0,1fr))}
.cards--hub .card{grid-column:span 2}
.cards--hub .card--half{grid-column:span 3}
.cards--hub .card--half h3{font-size:24px}
.cards--hub .card--full{grid-column:1/-1;display:grid;grid-template-columns:1.4fr 1fr}
.cards--hub .card--full .card-img{aspect-ratio:auto;height:100%;min-height:340px}
.cards--hub .card--full .card-body{display:flex;flex-direction:column;justify-content:center;padding:32px 36px}
.feature{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:22px}
.feature>.card--big .card-img{aspect-ratio:4/3}
.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.feature-list .card h3{font-size:17.5px}
.feature-list .card p{display:none}
.feature-list .card-body{padding:14px 16px 16px}
/* topic tiles */
.tiles{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.tile{position:relative;display:block;aspect-ratio:4/3;border-radius:14px;overflow:hidden;background:var(--teal);text-decoration:none;isolation:isolate}
.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .5s ease;z-index:-2}
.tile::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,32,0) 35%,rgba(10,30,32,.82) 100%);z-index:-1}
.tile:hover img{transform:scale(1.05)}
.tile-txt{position:absolute;left:16px;right:16px;bottom:14px;display:flex;flex-direction:column;color:#fff}
.tile-txt b{font-family:var(--display);font-size:21px;font-weight:600;line-height:1.15}
.tile-txt small{font-size:13px;color:#D6E6E3;margin-top:2px}
.tile--glos{background:var(--ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Ctext x='8' y='52' font-family='Georgia' font-size='44' fill='%230F766E' opacity='.55'%3EAa%3C/text%3E%3Ctext x='58' y='104' font-family='Georgia' font-style='italic' font-size='40' fill='%23D48F23' opacity='.5'%3EÑñ%3C/text%3E%3C/svg%3E") right 10px top 10px/120px no-repeat}
.tile--glos::after{display:none}
.tiles--sm{grid-template-columns:repeat(6,minmax(0,1fr));gap:12px;margin-bottom:72px}
.tiles--sm .tile{aspect-ratio:1/1}
.tiles--sm .tile-txt b{font-size:16.5px}
/* hub hero */
.hub-hero{position:relative;background:var(--ink);color:#fff;overflow:hidden;isolation:isolate}
.hub-hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hub-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,28,31,.9) 0%,rgba(9,28,31,.72) 45%,rgba(9,28,31,.18) 100%);z-index:-1}
.hub-hero-in{padding:8px 24px 56px;min-height:360px;display:flex;flex-direction:column;justify-content:flex-end}
.hub-hero .crumbs{position:absolute;top:0;padding-top:18px}
.hub-hero .crumbs,.hub-hero .crumbs a{color:#C9D9D6}
.hub-hero .eyebrow{color:#F2C26B;margin-top:56px}
.hub-hero h1{color:#fff;font-size:clamp(36px,5vw,60px);max-width:16ch}
.hub-hero p{max-width:58ch;font-size:18.5px;color:#DCE7E5;margin:14px 0 0}
.hub-body{padding-top:44px}
.calc-groups .sec-head{margin-top:44px}
.calc-groups .sec-head:first-child{margin-top:0}
.calc-groups .calc-grid:last-child{margin-bottom:72px}
/* home hero photo */
.hero-photo{margin:30px 0 0;border-radius:16px;overflow:hidden;aspect-ratio:3/2;box-shadow:var(--shadow)}
.hero-photo img{width:100%;height:100%;object-fit:cover;display:block}
.hero .eyebrow{margin-bottom:16px}
/* method strip */
.method{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:center}
.method h2{font-size:clamp(26px,2.8vw,34px);margin-bottom:12px}
.method p{color:var(--ink-2)}
.src-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.src-list li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 16px;display:flex;flex-direction:column}
.src-list b{font-family:var(--display);font-size:22px;color:var(--teal)}
.src-list span{font-size:13.5px;color:var(--muted);line-height:1.4}
.rel .cards{margin-bottom:0}
.rel.sec{padding:56px 0}
.foot-src{font-size:13.5px;color:#8DA19D}
/* calculators v2 */
.fld-group{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin:8px 0 10px;padding-top:10px;border-top:1px dashed var(--line)}
.calc--wide .calc-in .row2{grid-template-columns:repeat(2,minmax(0,1fr))}
.chart .ar{stroke:none;opacity:.9}
.chart .ar.c1{fill:var(--c1)} .chart .ar.c2{fill:var(--c2);opacity:.55}
.budget td.ok{color:var(--good);font-weight:700} .budget td.off{color:var(--brick);font-weight:700}
/* contact form */
.contact{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;margin:1.6em 0 0;box-shadow:var(--shadow)}
.contact textarea{width:100%;border:1px solid #C9D4D1;border-radius:8px;padding:10px 12px;font:inherit;font-size:16px;resize:vertical;min-height:150px}
.contact textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px var(--teal-50)}
.contact .inp input{font-variant-numeric:normal}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:13.5px;color:var(--muted);margin:4px 0 16px}
.btn{background:var(--teal);color:#fff;border:0;border-radius:10px;font:inherit;font-weight:700;font-size:16px;padding:12px 22px;cursor:pointer}
.btn:hover{background:var(--teal-2)} .btn:disabled{opacity:.6;cursor:wait}
.form-status{margin:14px 0 0;font-size:15px;font-weight:600}
.form-status.ok{color:var(--good)} .form-status.err{color:var(--brick)}
@media (max-width:1060px){
  .cards--hub{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cards--hub .card,.cards--hub .card--half{grid-column:span 1}
  .cards--hub .card--full{grid-column:1/-1}
  .tiles{grid-template-columns:repeat(3,minmax(0,1fr))}
  .tiles--sm{grid-template-columns:repeat(4,minmax(0,1fr))}
  .feature{grid-template-columns:minmax(0,1fr)}
  .foot-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .foot-about{grid-column:1/-1}
  .hero-photo{display:none}
  .method{grid-template-columns:minmax(0,1fr);gap:24px}
}
@media (max-width:860px){
  .nav{overflow-y:auto;max-height:calc(100vh - 68px)}
  .more-menu{width:100%}
  .more-btn{display:none}
  .more-list{display:flex;position:static;box-shadow:none;border:0;border-top:1px solid var(--line-2);border-radius:0;padding:6px 0 0;margin-top:6px;min-width:0}
  .cards--hub .card--full{display:flex}
  .cards--hub .card--full .card-img{aspect-ratio:3/2;height:auto;min-height:0}
  .cards--hub .card--full .card-body{padding:20px 22px 22px}
  .hero-fig{aspect-ratio:16/9;margin-bottom:28px}
  .hub-hero-in{min-height:320px}
  .hub-hero::after{background:linear-gradient(180deg,rgba(9,28,31,.35) 0%,rgba(9,28,31,.88) 70%)}
}
@media (max-width:620px){
  .tiles,.tiles--sm{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .cards--hub{grid-template-columns:minmax(0,1fr)}
  .tile-txt b{font-size:17px}
  .feature-list{grid-template-columns:minmax(0,1fr)}
  .feature-list .card{flex-direction:row}
  .feature-list .card-img{width:38%;flex:none;aspect-ratio:1/1}
  .src-list{grid-template-columns:minmax(0,1fr)}
  .hero-fig{border-radius:12px;margin-left:-4px;margin-right:-4px}
  .hub-hero-in{padding:8px 16px 36px}
  .hub-hero p{font-size:17px}
  .foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .calc--wide .calc-in .row2{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
  .contact{padding:18px}
  .contact .row2{grid-template-columns:minmax(0,1fr)}
}
@media (prefers-reduced-motion:reduce){.card-img img,.tile img{transition:none}}
.mid-fig{margin:2.4em 0 .4em;border-radius:14px;overflow:hidden;aspect-ratio:3/2;background:var(--line-2)}
.mid-fig img{width:100%;height:100%;object-fit:cover;display:block}
.hub-hero>img{object-position:center 30%}.hero-fig img{object-position:center 35%}