:root{
  --navy-deep:#2a2118;
  --navy:#6b4226;
  --teal:#4f6b57;
  --sky:#8fae95;
  --gold:#c98a3e;
  --gold-light:#e8c99a;
  --paper:#ffffff;
  --paper-dim:#f8f2e8;
  --ink:#2a2118;
  --muted:#6b5d4f;
  --line:#e7dcc9;
  --danger:#b3402a;
  --good:#3f7a52;
  --shadow:0 18px 45px rgba(42,33,24,.12);
  --radius:10px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Public Sans',Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
body.modal-open{overflow:hidden}
a{color:inherit}
button,input{font:inherit}
.wrap{width:min(1160px,calc(100% - 40px));margin-inline:auto}
.skip-link{position:fixed;left:12px;top:-60px;z-index:999;background:var(--navy-deep);color:#fff;padding:10px 14px;border-radius:6px}
.skip-link:focus{top:12px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav{width:min(1160px,calc(100% - 40px));min-height:72px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;flex-direction:column;align-items:center;gap:4px;font:700 1.35rem 'Fraunces',serif;color:var(--navy-deep);text-decoration:none;letter-spacing:-.02em}
.brand-logo{display:block;height:36px;width:auto}
.brand-name{display:block;line-height:1}
.brand small{display:block;font:700 .55rem 'Public Sans',sans-serif;color:var(--teal);letter-spacing:.12em;text-transform:uppercase}
.links{display:flex;align-items:center;gap:24px}
.links>a{font-size:.76rem;font-weight:700;text-decoration:none;color:rgba(12,37,56,.66);padding:25px 0 22px;border-bottom:3px solid transparent}
.links>a:hover,.links>a.active{color:var(--navy);border-color:var(--gold)}

/* ===== Grupos desplegables del menú ===== */
.nav-group{position:relative}
.nav-group-btn{display:inline-flex;align-items:center;gap:5px;border:0;background:none;font-size:.76rem;font-weight:700;color:rgba(12,37,56,.66);padding:25px 0 22px;border-bottom:3px solid transparent;cursor:pointer;font-family:inherit}
.nav-group-btn:hover,.nav-group.is-open .nav-group-btn,.nav-group-btn.is-active{color:var(--navy);border-color:var(--gold)}
.nav-caret{width:9px;height:9px;flex:none;transition:transform .18s ease}
.nav-group.is-open .nav-caret{transform:rotate(180deg)}

.nav-menu{position:absolute;top:calc(100% - 8px);left:-16px;min-width:298px;background:#fff;border:1px solid var(--line);border-radius:11px;box-shadow:0 18px 45px rgba(42,33,24,.16);padding:7px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .16s ease,transform .16s ease,visibility .16s;z-index:120}
/* puente invisible: deja pasar el cursor del botón al menú sin que se cierre */
.nav-menu::before{content:"";position:absolute;left:0;right:0;top:-12px;height:14px}
.nav-group.is-open .nav-menu{opacity:1;visibility:visible;transform:translateY(0)}
.nav-menu a{display:block;padding:10px 13px;border-radius:8px;text-decoration:none;border:0}
.nav-menu a:hover,.nav-menu a:focus-visible{background:var(--paper-dim)}
.nav-menu a.active{background:var(--paper-dim)}
.nav-menu strong{display:block;font-size:.79rem;font-weight:700;color:var(--navy-deep);line-height:1.3}
.nav-menu span{display:block;font-size:.68rem;font-weight:400;color:var(--muted);line-height:1.45;margin-top:2px}
.nav-menu a.active strong{color:var(--navy)}

/* Iniciar sesión / Mi cuenta: botón, separado de la navegación */
.links .nav-auth-btn{margin-left:4px;padding:9px 16px;border:1.5px solid var(--navy-deep);border-radius:7px;font-size:.75rem;font-weight:800;color:var(--navy-deep);text-decoration:none;transition:.15s ease}
.links .nav-auth-btn:hover{background:var(--navy-deep);color:#fff;border-color:var(--navy-deep)}
.links .nav-auth-btn.is-logged-in{background:var(--gold);border-color:var(--gold);color:var(--navy-deep)}
.links .nav-auth-btn.is-logged-in:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}

@media(prefers-reduced-motion:reduce){.nav-menu,.nav-caret{transition:none}}
.nav-toggle{display:none;border:0;background:var(--paper-dim);color:var(--navy);width:42px;height:42px;border-radius:7px;cursor:pointer}

.page-hero{padding:94px 0 82px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='48' height='16' viewBox='0 0 48 16'%3E%3Cpath d='M0 16 L0 6 L6 6 L6 12 L18 12 L18 0 L24 0 L24 16 L30 16 L30 6 L42 6 L42 12 L48 12' fill='none' stroke='%23f6d58b' stroke-opacity='.22' stroke-width='1.2'/%3E%3C/svg%3E") bottom left/48px 16px repeat-x,radial-gradient(640px circle at 84% -8%,rgba(246,213,139,.16),transparent 62%),var(--navy-deep);color:#fff;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;width:210px;height:210px;border:1px solid rgba(246,213,139,.2);border-radius:50%;right:70px;top:38px}
.page-hero::after{content:"";position:absolute;width:380px;height:380px;border:1px solid rgba(246,213,139,.3);border-radius:50%;right:-130px;top:-140px}
.page-hero .wrap{position:relative;z-index:1}
.eyebrow,.eyebrow-dark{display:block;font-size:.67rem;font-weight:800;text-transform:uppercase;letter-spacing:.16em;margin-bottom:14px}
.eyebrow{color:var(--gold-light)}
.eyebrow-dark{color:var(--teal)}
.page-hero h1,.section-head h2,.cta-final h2{font-family:'Fraunces',serif;letter-spacing:-.035em}
.page-hero h1{max-width:850px;font-size:clamp(2.55rem,6vw,5rem);line-height:1.02}
.page-hero p{max-width:720px;margin-top:23px;color:rgba(255,255,255,.73);font-size:1.04rem}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:7px;padding:13px 18px;text-decoration:none;font-weight:800;font-size:.8rem;cursor:pointer}
.btn[hidden]{display:none}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-light{background:#fff;color:var(--navy-deep)}
.btn-outline{background:transparent;color:var(--navy);border:1px solid var(--line)}
.btn-outline-dark{background:transparent;color:var(--navy-deep);border:1.5px solid var(--navy-deep)}
.btn-outline-dark:hover{background:var(--navy-deep);color:#fff}

section{padding:88px 0}
.section-head{max-width:780px;margin-bottom:38px}
.section-head h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.08;color:var(--navy-deep)}
.section-head p{margin-top:15px;color:var(--muted)}
.qa-list{border:1px solid var(--line);background:#fff}
.qa-item{padding:30px 45px;border-bottom:1px solid var(--line)}
.qa-item:last-child{border-bottom:0}
.qa-item h3{font:600 1.3rem 'Fraunces',serif;color:var(--navy);margin-bottom:10px}
.qa-item p{color:var(--muted)}
.q-mark{color:var(--teal);margin-right:12px}
.profile-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.profile-card{background:#fff;padding:27px;min-height:210px}
.profile-card .k{color:var(--teal);font-size:.62rem;font-weight:900;text-transform:uppercase;letter-spacing:.12em}
.profile-card h4{font:600 1.25rem 'Fraunces',serif;margin:14px 0 8px;color:var(--navy)}
.profile-card p{font-size:.82rem;color:var(--muted)}
.band-dark{background:var(--navy-deep);color:#fff}
.band-dark .section-head h2{color:#fff}
.band-dark .section-head p{color:rgba(255,255,255,.7)}
.cta-final{text-align:center;background:var(--paper-dim)}
.cta-final h2{font-size:clamp(2rem,4vw,3rem);color:var(--navy-deep)}
.cta-final>div>p{max-width:660px;margin:12px auto 24px;color:var(--muted)}
.disclaimer{max-width:760px;color:var(--muted);font-size:.7rem;line-height:1.55}
footer{padding:28px 0;background:var(--navy-deep);color:rgba(255,255,255,.65)}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;font-size:.72rem}
.footer-inner .brand{color:#fff}

/* Autos */
.auto-hero{padding-bottom:100px}
.hero-stats{display:grid;grid-template-columns:repeat(3,minmax(150px,1fr));gap:1px;margin-top:42px;max-width:760px;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.18)}
.hero-stat{background:rgba(42,33,24,.86);padding:17px 20px}
.hero-stat span{display:block;color:rgba(255,255,255,.55);font-size:.62rem;text-transform:uppercase;letter-spacing:.1em}
.hero-stat strong{display:block;color:#fff;font:600 1.65rem 'Fraunces',serif;margin-top:3px}
.hero-stat small{display:block;color:var(--gold-light);font-size:.6rem;margin-top:2px}

.agent-strip{margin-top:-34px;position:relative;z-index:5}
.agent-card{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px;background:#fff;border:1px solid var(--line);border-radius:13px;padding:18px 21px;box-shadow:var(--shadow)}
.agent-avatar{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;background:var(--navy-deep);color:var(--gold-light);font:700 1rem 'Fraunces',serif}
.agent-copy strong{display:block;color:var(--navy);font-size:.9rem}
.agent-copy span{display:block;color:var(--muted);font-size:.72rem}
.agent-state{display:flex;align-items:center;gap:7px;color:var(--good);font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.agent-state::before{content:"";width:9px;height:9px;border-radius:50%;background:#21b77a;box-shadow:0 0 0 4px rgba(33,183,122,.14)}
.refresh-btn{border:1px solid var(--line);background:#fff;color:var(--navy);border-radius:7px;padding:9px 12px;font-weight:800;font-size:.7rem;cursor:pointer}

/* ===== Cartel flotante "habla con alguien" (Comprar casa / Comprar auto) =====
   Es una píldora de vidrio que se monta sobre el borde de la sección oscura
   de arriba, para que se vea flotando y deje ver el fondo a través de ella. */
.talk-strip{padding:0;position:relative;z-index:4;margin-top:-56px;margin-bottom:34px}
.talk-card{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:24px;
  background:rgba(255,255,255,.72);
  backdrop-filter:blur(28px) saturate(170%);-webkit-backdrop-filter:blur(28px) saturate(170%);
  border:1px solid rgba(255,255,255,.7);
  border-radius:999px;
  padding:20px 30px 20px 26px;
  box-shadow:0 24px 60px rgba(24,18,12,.26)}
.talk-icon{flex:none;width:48px;height:48px;border-radius:50%;background:var(--gold);display:grid;place-items:center;box-shadow:0 6px 16px rgba(201,138,62,.4)}
.talk-icon svg{width:22px;height:22px;stroke:var(--navy-deep);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.talk-copy strong{display:block;font:600 1.1rem 'Fraunces',serif;color:var(--navy-deep);margin-bottom:2px}
.talk-copy p{margin:0;color:var(--muted);font-size:.83rem;line-height:1.55;max-width:60ch}
.talk-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.talk-actions .btn{border-radius:999px;padding:12px 22px}
.talk-ghost{background:rgba(255,255,255,.5);color:var(--navy-deep);border:1.5px solid rgba(42,33,24,.18)}
.talk-ghost:hover{background:#fff;border-color:var(--navy-deep)}
@media(max-width:1000px){
  .talk-card{border-radius:26px;padding:22px 24px}
}
@media(max-width:860px){
  .talk-strip{margin-top:-40px;margin-bottom:28px}
  .talk-card{grid-template-columns:auto 1fr;gap:14px 16px;border-radius:22px}
  .talk-copy{grid-column:2}
  .talk-actions{grid-column:1/-1;justify-content:stretch}
  .talk-actions .btn{flex:1;justify-content:center}
  .talk-copy p{max-width:none}
}

.map-section{padding-top:76px;background:var(--paper-dim)}
.rate-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:22px;align-items:stretch}
.map-card,.rate-panel{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 38px rgba(42,33,24,.08)}
.map-card{position:relative;min-height:340px;padding:20px;overflow:visible}
/* Mapa geográfico con relieve: cada estado es una pieza flotante */
#usMap{width:100%;display:block}
.us-geo-svg{display:block;width:100%;height:auto;overflow:visible}
.geo-state{cursor:pointer;outline:none}
.geo-side{transition:opacity .16s ease}
.geo-face{transition:transform .16s ease;transform-box:fill-box;transform-origin:center}
.geo-top{stroke:rgba(255,255,255,.75);stroke-width:1.1;stroke-linejoin:round;transition:filter .16s ease}
.geo-label{font:800 13px 'Public Sans',sans-serif;fill:#fff;stroke:rgba(20,40,55,.55);stroke-width:2.6;paint-order:stroke fill;text-anchor:middle;dominant-baseline:central;pointer-events:none;letter-spacing:.02em}
.geo-label-out{fill:var(--navy-deep);stroke:#fff;stroke-width:3;text-anchor:start}
.geo-leader{stroke:rgba(42,33,24,.4);stroke-width:1.2;fill:none;pointer-events:none}

/* al pasar el cursor la cara se levanta y deja ver más grosor */
.geo-state:hover .geo-face,.geo-state:focus-visible .geo-face{transform:translateY(-5px)}
.geo-state:hover .geo-top,.geo-state:focus-visible .geo-top{filter:saturate(1.2) brightness(1.06)}
.geo-state:focus-visible .geo-top{stroke:var(--gold);stroke-width:2.4}
.geo-state.is-selected .geo-top{stroke:var(--gold);stroke-width:2.6}
.geo-state.is-selected .geo-face{transform:translateY(-4px)}

@media(prefers-reduced-motion:reduce){
  .geo-face,.geo-top,.geo-side{transition:none}
}
.map-loading{position:absolute;inset:20px;display:grid;place-items:center;color:var(--muted);font-size:.8rem;text-align:center}
.map-loading[hidden]{display:none}
.map-tooltip{position:fixed;z-index:150;min-width:180px;padding:13px 15px;border-radius:9px;background:var(--navy-deep);color:#fff;box-shadow:var(--shadow);pointer-events:none;transform:translate(14px,-50%)}
.map-tooltip[hidden]{display:none}
.map-tooltip strong{font:600 1rem 'Fraunces',serif;display:block;margin-bottom:6px}
.map-tooltip span{display:flex;justify-content:space-between;gap:18px;color:rgba(255,255,255,.72);font-size:.7rem}
.map-tooltip b{color:#fff}
.rate-panel{padding:27px;display:flex;flex-direction:column}
.rate-panel .selected-label{color:var(--teal);font-size:.62rem;text-transform:uppercase;letter-spacing:.13em;font-weight:900}
.rate-panel h3{font:600 1.7rem 'Fraunces',serif;color:var(--navy-deep);margin:5px 0 19px}
.rate-number{padding:17px 0;border-top:1px solid var(--line)}
.rate-number span{display:block;color:var(--muted);font-size:.7rem}
.rate-number strong{display:block;color:var(--navy);font:600 2.4rem 'Fraunces',serif;line-height:1.05;margin-top:3px}
.rate-number small{display:block;color:var(--muted);font-size:.6rem;margin-top:4px}
.rate-date{margin-top:auto;padding-top:20px;color:var(--muted);font-size:.67rem}
.rate-date b{color:var(--navy)}
.legend{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:15px;color:var(--muted);font-size:.62rem}
.legend span{display:flex;align-items:center;gap:6px}
.legend i{width:14px;height:14px;border-radius:3px;display:inline-block}
.map-note{margin-top:14px;color:var(--muted);font-size:.68rem;line-height:1.55}
.map-note a,.source-line a{color:var(--teal);font-weight:700}

.credit-section{background:#fff}
.tier-table{border:1px solid var(--line);border-radius:13px;overflow:hidden;background:#fff;box-shadow:0 12px 34px rgba(42,33,24,.06)}
.tier-row{display:grid;grid-template-columns:1.3fr .7fr .7fr;align-items:center;gap:18px;padding:20px 25px;border-bottom:1px solid var(--line)}
.tier-row:last-child{border-bottom:0}
.tier-row.head{background:var(--navy-deep);color:#fff;padding-top:13px;padding-bottom:13px;font-size:.63rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800}
.tier-name strong{display:block;color:var(--navy);font:600 1.1rem 'Fraunces',serif}
.tier-name span{color:var(--muted);font-size:.7rem}
.tier-apr{font:600 1.55rem 'Fraunces',serif;color:var(--navy-deep)}
.tier-apr small{font:.6rem 'Public Sans',sans-serif;color:var(--muted)}
.credit-factors{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}
.factor{border-top:3px solid var(--gold);background:var(--paper-dim);padding:18px}
.factor strong{display:block;color:var(--navy);font-size:.8rem;margin-bottom:5px}
.factor p{font-size:.7rem;color:var(--muted)}
.source-line{margin-top:14px;font-size:.67rem;color:var(--muted)}

.tila-section{background:var(--paper-dim)}
.tila-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:24px;align-items:start}
.contract{background:#fff;border:1px solid var(--line);padding:28px;box-shadow:0 15px 40px rgba(42,33,24,.08)}
.contract-head{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;border-bottom:3px solid var(--ink);padding-bottom:13px;margin-bottom:16px}
.contract-head h3{font:700 1.2rem 'Fraunces',serif}
.contract-head span{font-size:.58rem;text-align:right;color:var(--muted)}
.tila-box{display:grid;grid-template-columns:repeat(4,1fr);border:2px solid var(--ink)}
.tila-field{min-height:132px;padding:13px;border-right:1px solid var(--ink);background:#fff;cursor:pointer;text-align:left}
.tila-field:last-child{border-right:0}
.tila-field:hover,.tila-field:focus,.tila-field.is-active{background:#fff8e9;outline:none}
.tila-field b{display:block;text-transform:uppercase;font-size:.59rem;letter-spacing:.05em;text-decoration:underline}
.tila-field strong{display:block;font:600 1.35rem 'Fraunces',serif;margin:8px 0 6px}
.tila-field small{display:block;font-size:.54rem;line-height:1.35;color:var(--muted)}
.contract-schedule{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:15px}
.contract-schedule div{background:#fff;padding:11px}
.contract-schedule span{display:block;color:var(--muted);font-size:.55rem;text-transform:uppercase}
.contract-schedule strong{font-size:.8rem}
.contract-lines{margin-top:14px;border-top:1px solid var(--line)}
.contract-lines p{font-size:.61rem;padding:9px 0;border-bottom:1px solid var(--line)}
.contract-lines b{color:var(--navy)}
.reader-card{background:var(--navy-deep);color:#fff;border-radius:13px;padding:28px;position:sticky;top:92px}
.reader-card .eyebrow{margin-bottom:7px}
.reader-card h3{font:600 1.65rem 'Fraunces',serif}
.reader-card>p{margin-top:12px;color:rgba(255,255,255,.72);font-size:.82rem}
.reader-tip{border-top:1px solid rgba(255,255,255,.16);margin-top:19px;padding-top:17px}
.reader-tip strong{display:block;color:var(--gold-light);font-size:.74rem}
.reader-tip p{color:rgba(255,255,255,.7);font-size:.7rem;margin-top:4px}
.reader-checklist{list-style:none;margin-top:21px}
.reader-checklist li{padding:9px 0 9px 22px;border-top:1px solid rgba(255,255,255,.13);font-size:.68rem;color:rgba(255,255,255,.75);position:relative}
.reader-checklist li::before{content:"✓";position:absolute;left:0;color:var(--gold-light);font-weight:900}
.legal-note{margin-top:20px;background:#fff;border-left:4px solid var(--gold);padding:16px 18px;color:var(--muted);font-size:.7rem}

@media(max-width:900px){
  .rate-layout,.tila-layout{grid-template-columns:1fr}
  .reader-card{position:static}
  .credit-factors{grid-template-columns:1fr 1fr}
  .profile-grid{grid-template-columns:1fr 1fr}
  .map-card{min-height:0}#usMap{height:auto}.geo-label{font-size:18px}
}

@media(max-width:720px){
  .nav-toggle{display:block}.links{display:none;position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 15px;max-height:calc(100vh - 72px);overflow-y:auto}.links.open{display:flex}.links>a{padding:11px 0;border-bottom:1px solid var(--line)}
  /* En celular no hay cursor: los grupos se muestran siempre abiertos,
     con el nombre del grupo como encabezado y sus páginas debajo. */
  .nav-group{width:100%;border-bottom:1px solid var(--line)}.nav-group-btn{width:100%;padding:13px 0 4px;border-bottom:0;font-size:.63rem;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);cursor:default}.nav-group-btn:hover,.nav-group.is-open .nav-group-btn{border-color:transparent;color:var(--teal)}.nav-caret{display:none}.nav-menu{position:static;opacity:1;visibility:visible;transform:none;min-width:0;background:none;border:0;border-radius:0;box-shadow:none;padding:0 0 8px;z-index:auto}.nav-menu::before{display:none}.nav-menu a{padding:8px 0 8px 12px}.nav-menu span{display:none}
  .links .nav-auth-btn{margin:14px 0 4px;text-align:center;border-bottom:1.5px solid var(--navy-deep)}
  .page-hero{padding:72px 0 80px}.hero-stats{grid-template-columns:1fr}.hero-stat{display:grid;grid-template-columns:1fr auto;align-items:center}.hero-stat small{grid-column:1/-1}
  section{padding:66px 0}.qa-item{padding:25px 24px}.profile-grid{grid-template-columns:1fr}
  .agent-card{grid-template-columns:auto 1fr}.agent-card .refresh-btn{grid-column:1/-1}.agent-state{justify-self:start}
  .tier-row{grid-template-columns:1fr 1fr}.tier-row .tier-name{grid-column:1/-1}.tier-row.head{display:none}
  .tila-box{grid-template-columns:1fr 1fr}.tila-field{border-bottom:1px solid var(--ink)}.tila-field:nth-child(2){border-right:0}.tila-field:nth-child(3),.tila-field:nth-child(4){border-bottom:0}
  .footer-inner{flex-direction:column;text-align:center}
}

@media(max-width:480px){
  .wrap,.nav{width:min(100% - 26px,1160px)}
  .page-hero h1{font-size:2.5rem}.credit-factors{grid-template-columns:1fr}.contract{padding:16px}.tila-box{grid-template-columns:1fr}.tila-field{border-right:0!important;border-bottom:1px solid var(--ink)!important}.tila-field:last-child{border-bottom:0!important}.contract-schedule{grid-template-columns:1fr}.map-card{padding:8px;min-height:0}#usMap{height:auto}.geo-label{font-size:25px;stroke-width:5}.geo-leader{stroke-width:2.4}
  /* en pantallas chicas el noreste se amontona: esos rótulos se ocultan y el estado se identifica al tocarlo */
  .geo-state[data-abbr="VT"] .geo-label,.geo-state[data-abbr="NH"] .geo-label,.geo-state[data-abbr="MA"] .geo-label,.geo-state[data-abbr="CT"] .geo-label,.geo-state[data-abbr="MD"] .geo-label{display:none}
}

/* Kairon — asistente flotante (credit-coach.js) */
.credit-coach-launcher{position:fixed;right:22px;bottom:22px;z-index:200;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;border:0;background:var(--navy-deep);color:var(--gold-light);box-shadow:var(--shadow);cursor:pointer;transition:transform .2s ease,box-shadow .2s ease}
.credit-coach-launcher:hover{transform:translateY(-3px);box-shadow:0 20px 44px rgba(8,47,73,.26)}
.credit-coach-launcher:focus-visible{outline:3px solid var(--gold-light);outline-offset:3px}
.credit-coach-launcher .credit-coach-avatar{width:24px;height:24px;background:none;color:inherit}
.credit-coach-avatar{display:grid;place-items:center;flex:none}
.credit-coach-avatar svg{width:100%;height:100%;display:block}
.credit-coach-online{position:absolute;width:12px;height:12px;border-radius:50%;background:#21b77a;border:2px solid #fff;right:1px;bottom:1px}
.credit-coach-tooltip{position:absolute;right:calc(100% + 12px);top:50%;transform:translateY(-50%) translateX(6px);background:var(--navy-deep);color:#fff;font:600 .74rem 'Public Sans',sans-serif;padding:7px 12px;border-radius:8px;white-space:nowrap;opacity:0;pointer-events:none;transition:opacity .18s ease,transform .18s ease;box-shadow:0 10px 24px rgba(0,0,0,.2)}
.credit-coach-tooltip::after{content:"";position:absolute;left:100%;top:50%;transform:translateY(-50%);border:5px solid transparent;border-left-color:var(--navy-deep)}
.credit-coach-launcher:hover .credit-coach-tooltip,.credit-coach-launcher:focus-visible .credit-coach-tooltip{opacity:1;transform:translateY(-50%) translateX(0)}
.credit-coach-launcher[aria-expanded="true"] .credit-coach-tooltip{display:none}
.credit-coach-panel{position:fixed;right:22px;bottom:88px;z-index:200;width:368px;max-width:calc(100vw - 28px);max-height:min(520px,calc(100vh - 130px));display:flex;flex-direction:column;background:#fff;border-radius:18px;box-shadow:var(--shadow);border:1px solid var(--line);overflow:hidden;padding:0}
.credit-coach-panel[hidden]{display:none}
.credit-coach-header{display:flex;align-items:center;gap:12px;padding:13px 16px;background:linear-gradient(135deg,var(--navy-deep),#171008);color:#fff;flex:none}
.credit-coach-header .credit-coach-avatar{width:32px;height:32px;border-radius:50%;background:rgba(255,255,255,.14);color:var(--gold-light);padding:7px;box-sizing:border-box}
.credit-coach-title strong{display:block;font:600 .95rem 'Fraunces',serif;letter-spacing:.01em}
.credit-coach-title small{display:block;color:rgba(255,255,255,.6);font-size:.63rem;margin-top:2px}
.credit-coach-close{margin-left:auto;border:0;background:rgba(255,255,255,.14);color:#fff;width:28px;height:28px;border-radius:50%;font-size:1.1rem;line-height:1;cursor:pointer}
.credit-coach-close:hover{background:rgba(255,255,255,.24)}
.credit-coach-messages{min-height:92px;max-height:280px;overflow-y:auto;padding:14px 16px;display:flex;flex-direction:column;gap:9px;background:var(--paper-dim)}
.coach-message{max-width:88%;padding:10px 13px;border-radius:14px;font-size:.81rem;line-height:1.5}
.coach-message.bot{align-self:flex-start;background:#fff;color:var(--ink);border-bottom-left-radius:4px;box-shadow:0 2px 10px rgba(8,47,73,.06)}
.coach-message.user{align-self:flex-end;background:var(--navy-deep);color:#fff;border-bottom-right-radius:4px}
.coach-message-links{display:flex;flex-direction:column;gap:6px;margin-top:9px}
.coach-message-link{display:inline-flex;align-items:center;gap:6px;font-size:.74rem;font-weight:700;color:var(--teal);text-decoration:none;padding:7px 10px;border-radius:8px;background:rgba(47,111,98,.08);border:1px solid rgba(47,111,98,.18);transition:.15s ease}
.coach-message-link:hover{background:rgba(47,111,98,.15);border-color:rgba(47,111,98,.34)}
.coach-message-link::before{content:"↗";font-weight:900}
.coach-typing{display:flex;gap:4px;align-items:center;padding:13px 15px}
.coach-typing span{width:6px;height:6px;border-radius:50%;background:var(--muted);opacity:.5;animation:coach-typing-bounce 1s infinite ease-in-out}
.coach-typing span:nth-child(2){animation-delay:.15s}
.coach-typing span:nth-child(3){animation-delay:.3s}
@keyframes coach-typing-bounce{0%,60%,100%{transform:translateY(0);opacity:.4}30%{transform:translateY(-4px);opacity:1}}
.credit-coach-suggestions{display:flex;gap:8px;padding:11px 16px;border-top:1px solid var(--line);background:#fff;flex:none}
.coach-suggestion{flex:1 1 0;border:1px solid var(--line);background:var(--paper-dim);color:var(--navy);border-radius:999px;padding:8px 10px;font-size:.72rem;font-weight:700;cursor:pointer;text-align:center}
.coach-suggestion:hover{border-color:var(--gold);color:var(--navy-deep);background:#fff}
.credit-coach-form{display:flex;gap:8px;padding:12px 16px;border-top:1px solid var(--line);background:#fff;flex:none}
.credit-coach-input{flex:1;min-width:0;border:1px solid var(--line);border-radius:999px;padding:10px 15px;font-size:.81rem;background:var(--paper-dim);color:var(--ink)}
.credit-coach-input:focus{outline:2px solid var(--gold-light);border-color:var(--gold)}
.credit-coach-send{border:0;background:var(--gold);color:var(--navy-deep);width:38px;height:38px;border-radius:50%;font-size:1rem;cursor:pointer;flex:none}
.credit-coach-send:hover{filter:brightness(.96)}
.credit-coach-legal{padding:0 16px 12px;font-size:.6rem;line-height:1.4;color:var(--muted);background:#fff;text-align:center}

@media(max-width:480px){
  .credit-coach-panel{right:14px;left:14px;bottom:82px;width:auto;max-width:none;max-height:min(68vh,520px)}
  .credit-coach-messages{max-height:34vh}
  .credit-coach-launcher{right:14px;bottom:14px}
  .credit-coach-tooltip{display:none}
}

/* ===== Cuentas — iniciar sesión, crear cuenta, panel de cuenta (login.html, cuenta.html) ===== */
.auth-card{background:rgba(255,255,255,.52);backdrop-filter:blur(28px) saturate(160%);-webkit-backdrop-filter:blur(28px) saturate(160%);border:1px solid rgba(255,255,255,.4);border-radius:var(--radius);box-shadow:var(--shadow);padding:32px}
@media(max-width:480px){.auth-card{padding:22px}}

.auth-cta-btn{position:relative;display:flex;align-items:center;justify-content:center;width:100%;border:0;border-radius:999px;padding:16px 20px;margin-bottom:20px;background:linear-gradient(135deg,var(--gold-light),var(--gold));color:var(--navy-deep);font:800 .86rem 'Public Sans',sans-serif;letter-spacing:.03em;text-transform:uppercase;cursor:pointer;box-shadow:0 12px 32px rgba(201,138,62,.5);transition:transform .15s ease,box-shadow .15s ease}
.auth-cta-btn::before{content:"";position:absolute;inset:-20px;z-index:-1;border-radius:999px;background:radial-gradient(60% 120% at 50% 0%,rgba(246,213,139,.6),transparent 72%);filter:blur(4px)}
.auth-cta-btn:hover{transform:translateY(-2px);box-shadow:0 16px 38px rgba(201,138,62,.6)}
.auth-cta-btn[hidden]{display:none}

.auth-social-row{display:flex;flex-direction:column;gap:10px;margin-bottom:22px}
.auth-social-row[hidden],.auth-divider[hidden]{display:none}
.auth-social-btn{display:flex;align-items:center;gap:12px;width:100%;border:1.5px solid var(--line);background:#fff;color:var(--ink);border-radius:8px;padding:11px 16px;font:600 .86rem 'Public Sans',sans-serif;cursor:pointer;transition:.15s ease}
.auth-social-btn:hover{border-color:var(--navy);background:var(--paper-dim);transform:translateY(-1px)}
.auth-social-btn:disabled{opacity:.55;cursor:not-allowed;transform:none}
.auth-social-btn svg{flex:none;width:20px;height:20px}
.auth-social-btn span{flex:1;text-align:center}

.auth-divider{display:flex;align-items:center;gap:14px;margin:4px 0 22px;color:var(--muted);font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.auth-divider::before,.auth-divider::after{content:"";flex:1;height:1px;background:var(--line)}

.auth-switch-line{text-align:center;font-size:.82rem;color:var(--muted);margin:0}
.auth-switch-line[hidden]{display:none}
.auth-switch-line .auth-link-btn{display:inline;padding:0;text-align:center}

#authForms{margin-top:20px}
#authForms[hidden]{display:none}

.auth-panel[hidden]{display:none}

.auth-method-toggle{display:flex;gap:8px;margin-bottom:18px}
.auth-method-btn{flex:1;border:1.5px solid var(--line);background:#fff;color:var(--navy);font:700 .78rem 'Public Sans',sans-serif;padding:9px 12px;border-radius:8px;cursor:pointer;transition:.15s ease}
.auth-method-btn.is-active{background:var(--paper-dim);border-color:var(--navy);color:var(--navy-deep)}

.form-group{margin-bottom:16px;display:flex;flex-direction:column;gap:6px}
.form-group label{font-size:.78rem;font-weight:700;color:var(--navy)}
.form-group input{border:1.5px solid var(--line);border-radius:8px;padding:11px 13px;font:400 .92rem 'Public Sans',sans-serif;color:var(--ink);background:#fff;width:100%}
.form-group input:focus{outline:2px solid var(--gold-light);border-color:var(--gold)}
.form-group .mortgage-helper{font-size:.7rem;color:var(--muted)}

.auth-otp-input{letter-spacing:.5em;font-size:1.3rem;text-align:center;font-weight:700}
.auth-phone-hint{font-size:.72rem;color:var(--muted);margin:-8px 0 16px}
.auth-benefits{list-style:none;margin:0 0 14px;padding:0;display:grid;gap:7px}
.auth-benefits li{position:relative;padding-left:20px;font-size:.82rem;line-height:1.5;color:var(--muted)}
.auth-benefits li::before{content:'';position:absolute;left:4px;top:.55em;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.auth-sin-cuenta{text-align:center;margin:14px 0 0}
.auth-sin-cuenta a{font-size:.84rem;font-weight:700;color:var(--teal,#1f6e73);text-decoration:underline}
.auth-sin-cuenta small{display:block;margin-top:5px;font-size:.72rem;line-height:1.5;color:var(--muted)}
.auth-terminos{display:flex;align-items:flex-start;gap:9px;margin:0 0 10px;font-size:.8rem;line-height:1.5;color:var(--muted);cursor:pointer}
.auth-terminos input{flex:none;width:16px;height:16px;margin-top:2px;accent-color:var(--gold)}
.auth-terminos a{text-decoration:underline;color:inherit}
.auth-nota-marketing{font-size:.72rem;line-height:1.5;color:var(--muted);margin:0 0 16px}
.form-hint{display:block;margin-top:6px;font-size:.72rem;line-height:1.5;color:var(--muted)}

/* Selector de código de país + número (login.html) */
.auth-phone-group{position:relative;display:flex;border:1.5px solid var(--line);border-radius:8px;background:#fff}
.auth-phone-group:focus-within{outline:2px solid var(--gold-light);border-color:var(--gold)}
.auth-country-btn{flex:none;display:flex;align-items:center;gap:6px;border:0;border-right:1.5px solid var(--line);background:var(--paper-dim);color:var(--ink);padding:0 10px;border-radius:8px 0 0 8px;cursor:pointer;font:600 .88rem 'Public Sans',sans-serif}
.auth-country-btn:hover{background:var(--line)}
.auth-country-btn span:first-child{font-size:1.1rem;line-height:1}
.auth-country-caret{font-size:.6rem;color:var(--muted);margin-left:2px}
.auth-phone-group input{flex:1;min-width:0;border:0;border-radius:0 8px 8px 0;padding:11px 13px;font:400 .92rem 'Public Sans',sans-serif;color:var(--ink);background:transparent}
.auth-phone-group input:focus{outline:none}
.auth-country-dropdown{position:absolute;top:calc(100% + 6px);left:0;z-index:20;width:min(320px,90vw);background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);overflow:hidden}
.auth-country-dropdown[hidden]{display:none}
.auth-country-search{width:100%;box-sizing:border-box;border:0;border-bottom:1px solid var(--line);padding:11px 13px;font:400 .86rem 'Public Sans',sans-serif;background:var(--paper-dim)}
.auth-country-search:focus{outline:none;background:#fff}
.auth-country-list{max-height:260px;overflow-y:auto}
.auth-country-option{display:flex;align-items:center;gap:10px;width:100%;border:0;background:none;padding:9px 13px;font:400 .84rem 'Public Sans',sans-serif;color:var(--ink);cursor:pointer;text-align:left}
.auth-country-option:hover,.auth-country-option.is-highlighted{background:var(--paper-dim)}
.auth-country-option .flag{font-size:1.05rem;flex:none}
.auth-country-option .name{flex:1;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.auth-country-option .dial{color:var(--muted);flex:none;font-weight:600}
.auth-country-empty{padding:14px;text-align:center;color:var(--muted);font-size:.82rem}

.auth-link-btn{border:0;background:none;color:var(--teal);font-weight:700;font-size:.8rem;cursor:pointer;text-decoration:underline;padding:4px 0;text-align:left}
.auth-link-btn:disabled{color:var(--muted);cursor:not-allowed;text-decoration:none}

.auth-message{padding:12px 15px;border-radius:8px;font-size:.82rem;margin-bottom:18px;line-height:1.5}
.auth-message.info{background:rgba(79,107,87,.1);color:var(--navy-deep);border:1px solid rgba(79,107,87,.3)}
.auth-message.success{background:rgba(63,122,82,.12);color:#1f4a2e;border:1px solid rgba(63,122,82,.35)}
.auth-message.error{background:rgba(179,64,42,.1);color:#7e3127;border:1px solid rgba(179,64,42,.35)}

/* Panel de cuenta (cuenta.html) */
.account-header{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;padding-bottom:24px;border-bottom:1px solid var(--line)}
.account-header .k{display:block;font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:4px}
.account-header strong{font:600 1.15rem 'Fraunces',serif;color:var(--navy-deep)}

.cr-empty{font-size:.9rem;color:var(--muted);margin:0;padding:20px;text-align:center;background:var(--paper-dim);border-radius:var(--radius)}

.saved-list{display:grid;gap:14px;margin-top:8px}
.saved-item{background:#fff;border:1px solid var(--line);border-left:4px solid var(--line);border-radius:8px;padding:18px 20px;box-shadow:0 6px 18px rgba(42,33,24,.05)}
.saved-item-stable{border-left-color:var(--good)}
.saved-item-attention{border-left-color:var(--gold)}
.saved-item-critical{border-left-color:var(--danger)}
.saved-item-head{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:8px}
.saved-item-head strong{font:600 1rem 'Fraunces',serif;color:var(--navy-deep);display:block}
.saved-item-date{display:block;font-size:.7rem;color:var(--muted);margin-top:2px}
.saved-item-head p{margin:0}
.saved-item>p{color:var(--muted);font-size:.86rem;margin-bottom:10px}
.saved-item-delete{border:0;background:none;color:var(--danger);font-size:.74rem;font-weight:700;cursor:pointer;text-decoration:underline;flex:none}
.saved-item-delete:disabled{opacity:.5;cursor:not-allowed}
.saved-item-meta{display:flex;flex-wrap:wrap;gap:8px 18px}
.saved-item-meta span{font-size:.76rem;color:var(--navy);background:var(--paper-dim);padding:4px 10px;border-radius:999px}

@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}