/* =========================================================
   educación finanzas — hoja de estilos propia y original
   Paleta: tinta pino + latón (valor) sobre papel frío.
   Tipografías: Fraunces (display), Source Serif 4 (cuerpo),
                Inter (utilidad/etiquetas).
   ========================================================= */

:root{
  --paper:#F5F6F2;
  --paper-2:#FBFCFA;
  --ink:#15241F;          /* tinta pino casi negra */
  --ink-soft:#3C4A44;
  --pine:#1E433B;         /* verde pino profundo */
  --pine-2:#27574C;
  --brass:#A9772E;        /* latón = valor, con moderación */
  --brass-soft:#C9A765;
  --line:#D9DCD4;
  --line-2:#C3C8BD;
  --warn-bg:#FBF3E4;
  --warn-bd:#E4CF9F;
  --maxw:1120px;
  --readw:680px;
  --radius:4px;
  --shadow:0 1px 0 rgba(21,36,31,.04), 0 14px 34px -22px rgba(21,36,31,.35);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:"Source Serif 4",Georgia,"Times New Roman",serif;
  font-size:18px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--pine);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}
a:hover{color:var(--brass)}
.eyebrow,.label,.util{font-family:"Inter",system-ui,sans-serif}

h1,h2,h3,h4{font-family:"Fraunces",Georgia,serif;line-height:1.12;color:var(--ink);font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.3rem)}
h2{font-size:clamp(1.5rem,3vw,2.05rem)}
h3{font-size:1.22rem}

.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:16px;top:12px;z-index:200;background:var(--pine);color:#fff;padding:8px 14px;border-radius:var(--radius)}

:focus-visible{outline:3px solid var(--brass);outline-offset:2px;border-radius:2px}

/* ---------- Aviso superior (exención general) ---------- */
.topnotice{
  background:var(--pine);
  color:#EAF1EE;
  font-family:"Inter",system-ui,sans-serif;
  font-size:.78rem;
  letter-spacing:.01em;
}
.topnotice .container{padding-top:9px;padding-bottom:9px;display:flex;gap:10px;align-items:flex-start}
.topnotice strong{color:#fff}
.topnotice svg{flex:0 0 auto;margin-top:2px}

/* ---------- Cabecera ---------- */
.site-header{
  background:var(--paper-2);
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:60;
}
.site-header .container{display:flex;align-items:center;gap:18px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand:hover{color:var(--ink)}
.brand-mark{flex:0 0 auto}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-family:"Fraunces",serif;font-weight:600;font-size:1.28rem;letter-spacing:-.01em}
.brand-name em{font-style:italic;color:var(--brass)}
.brand-tag{font-family:"Inter",sans-serif;font-size:.66rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);margin-top:2px}
nav.main-nav{margin-left:auto}
nav.main-nav ul{list-style:none;display:flex;gap:6px;margin:0;padding:0;flex-wrap:wrap}
nav.main-nav a{
  font-family:"Inter",sans-serif;font-size:.86rem;text-decoration:none;color:var(--ink-soft);
  padding:8px 11px;border-radius:var(--radius);display:inline-block;
}
nav.main-nav a:hover{color:var(--ink);background:rgba(30,67,59,.07)}
nav.main-nav a[aria-current="page"]{color:var(--pine);background:rgba(30,67,59,.10);font-weight:600}
.nav-toggle{display:none}

/* ---------- Hero ---------- */
.hero{padding:64px 0 30px}
.hero .lede-eyebrow{
  font-family:"Inter",sans-serif;font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--brass);font-weight:600;margin:0 0 18px
}
.hero h1{max-width:14ch;margin:0 0 18px}
.hero .lede{font-size:1.18rem;max-width:60ch;color:var(--ink-soft);margin:0 0 26px}
.hero .lede strong{color:var(--ink)}
.identity-card{
  border:1px solid var(--line-2);background:var(--paper-2);border-radius:var(--radius);
  padding:20px 22px;max-width:62ch;margin-top:6px;box-shadow:var(--shadow)
}
.identity-card .ic-title{font-family:"Inter",sans-serif;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--brass);font-weight:600;margin:0 0 10px}
.identity-card ul{margin:0;padding:0;list-style:none;display:grid;gap:9px}
.identity-card li{font-size:.96rem;display:flex;gap:10px;align-items:flex-start;color:var(--ink-soft)}
.identity-card li b{color:var(--ink);font-family:"Inter",sans-serif;font-weight:600;font-size:.82rem;min-width:118px;display:inline-block}
.tick{color:var(--pine-2);flex:0 0 auto;margin-top:3px}

/* ---------- Secciones ---------- */
.section{padding:46px 0}
.section-head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-bottom:8px}
.section-head .eyebrow{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-weight:600}
.rule{height:1px;background:var(--line);border:0;margin:14px 0 26px}

/* ---------- Índice de conceptos (cards estilo glosario) ---------- */
.concept-list{list-style:none;margin:0;padding:0;display:grid;gap:2px}
.concept{
  display:grid;grid-template-columns:54px 1fr;gap:18px;
  padding:24px 8px;border-top:1px solid var(--line);align-items:start;
  transition:background .15s ease;text-decoration:none;color:inherit;
}
.concept:first-child{border-top:0}
.concept:hover{background:var(--paper-2);color:inherit}
.concept .num{
  font-family:"Fraunces",serif;font-size:1.5rem;color:var(--brass);
  border:1px solid var(--brass-soft);border-radius:50%;width:46px;height:46px;
  display:flex;align-items:center;justify-content:center;line-height:1
}
.concept .term{font-family:"Fraunces",serif;font-size:1.35rem;margin:0 0 4px;color:var(--ink)}
.concept:hover .term{color:var(--pine)}
.concept .def{margin:0 0 10px;color:var(--ink-soft);font-size:1rem}
.concept .meta{font-family:"Inter",sans-serif;font-size:.74rem;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-soft);display:flex;gap:14px;flex-wrap:wrap}
.concept .meta .read{color:var(--pine)}

/* ---------- Bloque newsletter ---------- */
.news{
  background:var(--pine);color:#EAF1EE;border-radius:var(--radius);
  padding:38px 34px;display:grid;gap:22px;grid-template-columns:1.1fr .9fr;align-items:center
}
.news h2{color:#fff;margin:0 0 8px}
.news p{margin:0;color:#CFE0DA;font-size:1rem}
.news .news-form{display:grid;gap:10px}
.news label{font-family:"Inter",sans-serif;font-size:.78rem;color:#CFE0DA}
.news .row{display:flex;gap:10px;flex-wrap:wrap}
.field{
  font-family:"Inter",sans-serif;font-size:.95rem;padding:12px 14px;border-radius:var(--radius);
  border:1px solid var(--line-2);background:var(--paper-2);color:var(--ink);width:100%
}
.field::placeholder{color:#8a948e}
.btn{
  font-family:"Inter",sans-serif;font-weight:600;font-size:.92rem;cursor:pointer;
  border:0;border-radius:var(--radius);padding:12px 20px;background:var(--brass);color:#1c1405;
  text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:filter .15s
}
.btn:hover{filter:brightness(1.06);color:#1c1405}
.btn-ghost{background:transparent;border:1px solid var(--brass-soft);color:var(--brass)}
.btn-ghost:hover{background:rgba(169,119,46,.08);color:var(--brass)}
.news .btn{background:var(--brass-soft)}
.consent{font-family:"Inter",sans-serif;font-size:.74rem;color:#BFD3CC;display:flex;gap:8px;align-items:flex-start}
.consent a{color:#fff}

/* ---------- Artículo ---------- */
.article-wrap{max-width:var(--readw);margin:0 auto;padding:54px 24px 20px}
.breadcrumb{font-family:"Inter",sans-serif;font-size:.78rem;color:var(--ink-soft);margin-bottom:22px}
.breadcrumb a{color:var(--ink-soft)}
.article-head .kicker{font-family:"Inter",sans-serif;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-weight:600}
.article-head h1{margin:12px 0 14px}
.article-meta{font-family:"Inter",sans-serif;font-size:.82rem;color:var(--ink-soft);display:flex;gap:16px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:8px}
.article-body{font-size:1.08rem}
.article-body h2{margin:38px 0 12px}
.article-body h3{margin:28px 0 8px}
.article-body p{margin:0 0 18px}
.article-body ul,.article-body ol{margin:0 0 18px;padding-left:1.25em}
.article-body li{margin:0 0 8px}
.article-body blockquote{
  margin:24px 0;padding:14px 20px;border-left:3px solid var(--brass);
  background:var(--paper-2);color:var(--ink-soft);font-style:italic
}
.callout{
  border:1px solid var(--line-2);background:var(--paper-2);border-radius:var(--radius);
  padding:16px 18px;margin:26px 0;font-size:.96rem
}
.callout .ct{font-family:"Inter",sans-serif;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--brass);font-weight:600;margin:0 0 6px}
.edu-note{
  font-family:"Inter",sans-serif;font-size:.84rem;color:var(--ink-soft);
  background:var(--warn-bg);border:1px solid var(--warn-bd);border-radius:var(--radius);
  padding:12px 16px;margin:30px 0
}
.sources{margin-top:30px;border-top:1px solid var(--line);padding-top:18px}
.sources h3{font-size:1rem;font-family:"Inter",sans-serif;letter-spacing:.02em}
.sources ol{font-size:.9rem;color:var(--ink-soft);padding-left:1.2em}

/* ---------- Páginas de texto legal / about ---------- */
.doc{max-width:760px;margin:0 auto;padding:54px 24px 10px}
.doc h1{margin:0 0 6px}
.doc .updated{font-family:"Inter",sans-serif;font-size:.82rem;color:var(--ink-soft);margin:0 0 26px}
.doc h2{margin:34px 0 10px}
.doc p,.doc li{font-size:1rem}
.doc ul{padding-left:1.2em}
.data-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.92rem}
.data-table th,.data-table td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.data-table th{font-family:"Inter",sans-serif;background:var(--paper-2);font-size:.82rem}

/* ---------- Tarjeta de contacto ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:34px;margin-top:10px}
.contact-facts{display:grid;gap:14px}
.fact{border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;background:var(--paper-2)}
.fact .fl{font-family:"Inter",sans-serif;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--brass);font-weight:600}
.fact .fv{font-size:.98rem;margin-top:3px;word-break:break-word}
.form-card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:var(--paper-2)}
.form-card label{font-family:"Inter",sans-serif;font-size:.82rem;display:block;margin:0 0 6px;color:var(--ink)}
.form-card .grp{margin-bottom:16px}
textarea.field{min-height:130px;resize:vertical;font-family:"Inter",sans-serif}

/* ---------- Pie ---------- */
.site-footer{background:var(--ink);color:#C7D2CD;margin-top:40px}
.site-footer .container{padding-top:46px;padding-bottom:30px}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;border-bottom:1px solid rgba(255,255,255,.10);padding-bottom:28px}
.footer-brand .brand-name{color:#fff;font-size:1.2rem}
.footer-brand p{font-size:.9rem;color:#9FB0AA;margin:12px 0 0;max-width:38ch}
.footer-col h4{font-family:"Inter",sans-serif;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:#86978F;margin:0 0 12px;font-weight:600}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.footer-col a{color:#C7D2CD;text-decoration:none;font-size:.92rem}
.footer-col a:hover{color:#fff;text-decoration:underline}
.footer-disclaimer{
  font-family:"Inter",sans-serif;font-size:.8rem;color:#9FB0AA;line-height:1.55;
  padding:22px 0;border-bottom:1px solid rgba(255,255,255,.10)
}
.footer-disclaimer strong{color:#E6ECE9}
.footer-legal{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:18px;font-family:"Inter",sans-serif;font-size:.78rem;color:#8A9B93}
.footer-legal a{color:#8A9B93}

/* ---------- Banner de cookies ---------- */
.cookie-banner{
  position:fixed;left:0;right:0;bottom:0;z-index:120;
  background:var(--paper-2);border-top:1px solid var(--line-2);
  box-shadow:0 -10px 30px -18px rgba(21,36,31,.4);
  transform:translateY(100%);transition:transform .35s ease
}
.cookie-banner.show{transform:translateY(0)}
.cookie-banner .container{display:flex;gap:22px;align-items:center;flex-wrap:wrap;padding-top:18px;padding-bottom:18px}
.cookie-banner .cc-text{flex:1 1 420px}
.cookie-banner h4{font-family:"Inter",sans-serif;font-size:.92rem;margin:0 0 4px;color:var(--ink)}
.cookie-banner p{font-family:"Inter",sans-serif;font-size:.83rem;color:var(--ink-soft);margin:0;line-height:1.5}
.cookie-banner p a{color:var(--pine)}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.cookie-actions .btn{padding:10px 16px;font-size:.85rem}

/* ---------- Utilidades ---------- */
.center{text-align:center}
.mt-0{margin-top:0}
.muted{color:var(--ink-soft)}
.pill{font-family:"Inter",sans-serif;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;border:1px solid var(--line-2);border-radius:999px;padding:4px 10px;color:var(--ink-soft)}

/* ---------- Responsive ---------- */
@media (max-width:860px){
  .news{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  body{font-size:17px}
  nav.main-nav{position:fixed;inset:74px 0 auto 0;background:var(--paper-2);border-bottom:1px solid var(--line);
    transform:translateY(-130%);transition:transform .3s ease;margin:0}
  nav.main-nav.open{transform:translateY(0)}
  nav.main-nav ul{flex-direction:column;gap:0;padding:8px 16px}
  nav.main-nav a{display:block;padding:13px 8px;border-bottom:1px solid var(--line)}
  .nav-toggle{display:inline-flex;margin-left:auto;background:transparent;border:1px solid var(--line-2);
    border-radius:var(--radius);padding:9px 11px;cursor:pointer;color:var(--ink)}
  .footer-top{grid-template-columns:1fr}
  .concept{grid-template-columns:40px 1fr;gap:12px}
  .concept .num{width:38px;height:38px;font-size:1.2rem}
}

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