:root{
  --bg:#f4f7fc; --card:#ffffff; --ink:#101a2b; --muted:#5c6b83; --line:#dbe3f0;
  --accent:#155ec2; --accent-2:#2f7fe0; --accent-soft:#e8f1fc;
  --b:#b7791f; --b-soft:#faf1de;
  --err:#c0392b; --radius:14px;
  --shadow:0 1px 2px rgba(16,32,56,.06),0 8px 24px rgba(16,32,56,.08);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
@media (prefers-color-scheme:dark){
  :root{--bg:#0b1220;--card:#121b2e;--ink:#e7edf7;--muted:#93a3ba;--line:#22304a;
    --accent:#5b9bf5;--accent-2:#7fb4ff;--accent-soft:#152238;--b:#e0a542;--b-soft:#332a18;--err:#ff8a80;
    --shadow:0 1px 2px rgba(0,0,0,.3)}
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 var(--font)}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
a{color:var(--accent)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:var(--card);padding:8px;z-index:99}

.site-header{background:var(--card);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;justify-content:space-between;height:56px}
.logo{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--accent);font-weight:600;font-size:1.1rem}
.logo span{color:var(--ink)}.logo b{color:var(--accent)}
.top-nav{display:flex;gap:16px}.top-nav a{text-decoration:none;color:var(--muted);font-size:.93rem}
.top-nav a:hover{color:var(--accent)}

.hero{padding-top:20px;padding-bottom:8px}
h1{font-size:clamp(1.6rem,4vw,2.3rem);line-height:1.15;margin:0 0 6px;letter-spacing:-.02em}
.sub{margin:0;color:var(--muted);max-width:720px}

.tool{padding-top:12px;padding-bottom:12px}
.tool-grid{display:grid;grid-template-columns:1fr;gap:16px}
.tool-grid.two{grid-template-columns:1fr 1fr}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.card-title{font-size:1.05rem;margin:0;display:flex;align-items:center;gap:8px}
.tag{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:7px;color:#fff;font-size:.85rem}
.tag-a{background:var(--accent)}.tag-b{background:var(--b)}
.scenario[data-scenario="B"]{border-top:4px solid var(--b)}
.tool-grid.two .scenario[data-scenario="A"]{border-top:4px solid var(--accent)}

/* Una columna: formulario a la izquierda y resultado a la derecha en escritorio */
.tool-grid:not(.two) .scenario{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:18px}
.tool-grid:not(.two) .scenario>.card-head,.tool-grid:not(.two) .scenario>.err{grid-column:1/-1}
.tool-grid:not(.two) .scenario>.result{grid-column:1/-1}
@media (min-width:900px){
  .tool-grid:not(.two) .scenario{grid-template-columns:repeat(3,minmax(0,1fr))}
}

.field{margin:0 0 12px;border:0;padding:0;min-width:0}
.field label,.field legend{display:block;font-size:.86rem;font-weight:600;color:var(--muted);margin-bottom:4px;padding:0}
input[type=text],select{width:100%;font:inherit;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:10px;padding:10px 12px;min-height:44px}
input:focus,select:focus,button:focus-visible{outline:2px solid var(--accent-2);outline-offset:1px}
input[aria-invalid=true]{border-color:var(--err)}
.money,.pct{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:var(--card);overflow:hidden}
.money span,.pct span{padding:0 10px;color:var(--muted);font-size:.9rem;white-space:nowrap}
.money input,.pct input{border:0;border-radius:0;min-width:0}
.money:focus-within,.pct:focus-within{outline:2px solid var(--accent-2)}
.money input:focus,.pct input:focus{outline:0}
.row2{display:grid;grid-template-columns:1.6fr 1fr;gap:8px}
.seg{display:flex;flex-wrap:wrap;gap:6px}
.seg label{margin:0;cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:inline-block;padding:8px 12px;border:1px solid var(--line);border-radius:999px;font-size:.9rem;color:var(--ink);font-weight:500;min-height:38px}
.seg input:checked+span{background:var(--accent);border-color:var(--accent);color:#fff}
.seg input:focus-visible+span{outline:2px solid var(--accent-2)}
.scenario[data-scenario="B"] .seg input:checked+span{background:var(--b);border-color:var(--b)}
.err{color:var(--err);font-size:.9rem;margin:0 0 8px}

.result{background:var(--accent-soft);border-radius:12px;padding:14px;margin-top:4px}
.scenario[data-scenario="B"] .result{background:var(--b-soft)}
.big{display:flex;flex-direction:column}
.big .lbl{font-size:.85rem;color:var(--muted);font-weight:600}
.big strong{font-size:clamp(1.8rem,5vw,2.4rem);line-height:1.1;color:var(--accent);font-variant-numeric:tabular-nums}
.scenario[data-scenario="B"] .big strong{color:var(--b)}
.mini{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 14px;margin:10px 0 0}
.mini div{min-width:0}.mini .wide{grid-column:1/-1}
.mini dt{font-size:.78rem;color:var(--muted)}
.mini dd{margin:0;font-weight:600;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
@media (min-width:900px){.tool-grid:not(.two) .mini{grid-template-columns:repeat(5,minmax(0,1fr))}.tool-grid:not(.two) .mini .wide{grid-column:auto}}

.actions{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;margin-top:14px}
.export{display:flex;flex-wrap:wrap;gap:8px}
.btn{font:inherit;font-weight:600;font-size:.93rem;padding:10px 14px;border-radius:10px;border:1px solid var(--line);background:var(--card);color:var(--ink);cursor:pointer;min-height:44px}
.btn:hover{border-color:var(--accent)}
.btn-primary{background:var(--accent);border-color:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-2)}
.btn-ghost{border-style:dashed;color:var(--accent)}
.link-btn{background:none;border:0;color:var(--muted);cursor:pointer;font:inherit;font-size:.88rem}
.privacy{font-size:.86rem;color:var(--muted);margin:12px 0 0}

.compare{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin-top:16px;box-shadow:var(--shadow)}
.compare h2{margin:0 0 12px;font-size:1.1rem}
.cmp-row{margin-bottom:12px}
.cmp-row .t{font-size:.86rem;font-weight:600;color:var(--muted);margin-bottom:4px}
.cmp-bar{display:grid;grid-template-columns:22px 1fr auto;align-items:center;gap:8px;margin:3px 0;font-size:.9rem;font-variant-numeric:tabular-nums}
.cmp-bar i{display:block;height:14px;border-radius:7px;background:var(--accent);min-width:3px}
.cmp-bar.b i{background:var(--b)}
.cmp-bar .k{font-weight:700;color:var(--accent)}.cmp-bar.b .k{color:var(--b)}
.cmp-verdict{margin:6px 0 0;padding:10px 12px;border-radius:10px;background:var(--accent-soft);font-weight:500}

.ad-slot{display:flex;align-items:center;justify-content:center;border:2px dashed #b9c6c1;border-radius:10px;background:repeating-linear-gradient(45deg,transparent 0 10px,rgba(120,140,133,.07) 10px 20px);color:#7a8a84;font-weight:700;letter-spacing:.2em;font-size:.85rem}
.ad-leaderboard{min-height:100px;margin:18px auto;max-width:970px}
.ad-incontent{min-height:250px;margin:24px 0}
.ad-popup{width:300px;max-width:100%;height:250px;margin:10px auto}
.ad-corner{width:100%;height:100px}

.table-sec{margin-top:8px}
.table-head{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px}
.table-sec h2{font-size:1.25rem;margin:10px 0 4px}
.seg-sm span{padding:6px 10px;font-size:.85rem;min-height:0}
.table-cap{color:var(--muted);font-size:.9rem;margin:0 0 8px}
.table-wrap{overflow-x:auto;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);max-height:520px;overflow-y:auto}
.amort{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums}
.amort th,.amort td{padding:8px 10px;text-align:right;white-space:nowrap;border-bottom:1px solid var(--line)}
.amort th:first-child,.amort td:first-child{text-align:center;color:var(--muted)}
.amort thead th{position:sticky;top:0;background:var(--card);font-size:.8rem;color:var(--muted);z-index:1}
.amort tfoot td{font-weight:700;background:var(--accent-soft);position:sticky;bottom:0}
.amort tr.year td{background:rgba(120,140,133,.08);font-weight:600;font-size:.82rem;text-align:left;color:var(--muted)}
.more{margin-top:10px}

.content{padding-top:18px;padding-bottom:30px}
.content h2{font-size:1.4rem;margin:32px 0 10px;letter-spacing:-.01em}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.steps li{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.steps svg{width:32px;height:32px;color:var(--accent)}
.steps h3{margin:8px 0 4px;font-size:1.05rem}.steps p{margin:0;color:var(--muted)}
.formula{font-family:ui-monospace,Consolas,monospace;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:12px;text-align:center;font-size:1.05rem}
.tips{padding-left:20px}.tips li{margin-bottom:6px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:8px;padding:0 14px}
.faq summary{cursor:pointer;font-weight:600;padding:12px 0}
.faq p{margin:0 0 12px;color:var(--muted)}

.site-footer{border-top:1px solid var(--line);background:var(--card);padding:18px 0;font-size:.88rem;color:var(--muted)}
.foot-in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px}
.foot-in p{margin:0}.foot-in nav{display:flex;flex-wrap:wrap;gap:14px}

.ad-modal{border:0;border-radius:16px;padding:20px;max-width:360px;width:calc(100% - 32px);background:var(--card);color:var(--ink);text-align:center;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.ad-modal::backdrop{background:rgba(10,20,17,.55)}
.ad-modal-msg{margin:0 24px 0 0;font-weight:600;color:var(--accent)}
.ad-close{position:absolute;top:8px;right:8px;width:34px;height:34px;border-radius:50%;border:1px solid var(--line);background:var(--card);color:var(--ink);font-size:1.2rem;line-height:1;cursor:pointer}
.ad-modal{position:fixed}
.ad-toast{position:fixed;right:16px;bottom:16px;width:260px;max-width:calc(100% - 32px);background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:30px 10px 10px;z-index:50;animation:toastIn .3s ease}
.ad-toast .ad-close{width:26px;height:26px;font-size:1rem;top:4px;right:4px}
@keyframes toastIn{from{transform:translateY(20px);opacity:0}}
@media (prefers-reduced-motion:reduce){.ad-toast{animation:none}}

@media (max-width:760px){
  .tool-grid.two{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .tool-grid:not(.two) .scenario{display:block}
  .top-nav{display:none}
  .actions{flex-direction:column}
  .export .btn{flex:1 1 calc(50% - 8px)}
}

.print-area{display:none}
@media print{
  @page{margin:14mm}
  body{background:#fff;color:#000;font-size:10pt}
  body>*:not(.print-area){display:none!important}
  .print-area{display:block!important}
  .print-area h1{font-size:15pt;margin:0 0 4pt}
  .print-area .pmeta{margin:0 0 8pt;font-size:9.5pt}
  .print-area table{width:100%;border-collapse:collapse;font-size:8.5pt}
  .print-area th,.print-area td{border-bottom:.5pt solid #999;padding:2pt 4pt;text-align:right}
  .print-area th{border-bottom:1pt solid #000}
  .print-area thead{display:table-header-group}
  .print-area tfoot td{font-weight:700;border-top:1pt solid #000}
  .print-area section{break-after:page}
  .print-area section:last-child{break-after:auto}
}
.legal{max-width:760px}
.legal h1{margin-top:24px}
.legal h2{font-size:1.15rem;margin:24px 0 6px}