:root{
  --navy:#172033;
  --navy2:#1E2A44;
  --ivory:#F5F0E7;
  --paper:#FBFAF7;
  --graphite:#22252B;
  --muted:#6F737A;
  --line:#DAD6CF;
  --gold:#B89A68;
  --gold-dark:#8E7045;
  --peach:#E8C7B5;
  --white:#fff;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--graphite);
  background:
    radial-gradient(circle at 12% 8%,rgba(184,154,104,.045),transparent 18%),
    radial-gradient(rgba(23,32,51,.018) .7px,transparent .8px),
    var(--paper);
  background-size:auto,16px 16px,auto;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit}
.wrap{width:min(calc(100% - 44px),var(--max));margin:0 auto}
header{
  position:sticky;top:0;z-index:50;
  background:rgba(251,250,247,.92);
  backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(218,214,207,.8);
}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand img{height:32px;width:auto;display:block}
nav{display:flex;align-items:center;gap:27px}
nav a{text-decoration:none;font-size:.84rem;color:#4B5058}
nav a:hover{color:var(--navy)}
.nav-cta{border:1px solid var(--navy);padding:10px 16px;color:var(--navy);font-weight:700}

.hero{padding:78px 0 64px;border-bottom:1px solid var(--line);overflow:hidden;position:relative}
.hero:after{
  content:"";position:absolute;width:420px;height:420px;border-radius:50%;
  border:1px solid rgba(184,154,104,.16);right:-170px;top:-150px;pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.16fr .84fr;gap:64px;align-items:center}
.kicker{display:flex;align-items:center;gap:12px;font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-dark);font-weight:760;margin-bottom:21px}
.kicker:before{content:"";width:38px;height:2px;background:var(--gold);transform:rotate(-3deg)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-weight:500}
h1{font-size:clamp(3rem,5.8vw,5.35rem);line-height:.96;letter-spacing:-.05em;margin:0;max-width:760px}
.hero-copy{font-size:1.02rem;line-height:1.82;color:#61656C;max-width:700px;margin:26px 0 0}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:29px}
.btn{min-height:50px;padding:0 21px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-size:.86rem;font-weight:720;transition:.2s ease}
.btn-primary{background:var(--navy);color:#fff;border:1px solid var(--navy)}
.btn-primary:hover{background:#0F1624}
.btn-secondary{border:1px solid var(--line);background:rgba(255,255,255,.65);color:var(--navy)}
.btn-secondary:hover{border-color:var(--gold)}

.hero-note{
  background:#fff;border:1px solid var(--line);padding:26px 27px 24px;
  box-shadow:0 18px 44px rgba(23,32,51,.07);
  border-radius:4px 18px 4px 16px;transform:rotate(.45deg);position:relative
}
.hero-note:before{
  content:"";position:absolute;width:82px;height:82px;border-radius:50%;
  background:var(--peach);opacity:.22;right:-22px;top:-24px;z-index:-1
}
.hero-note .mini{font-size:.68rem;text-transform:uppercase;letter-spacing:.13em;color:var(--gold-dark);font-weight:760}
.hero-note h2{font-size:1.75rem;line-height:1.08;margin:14px 0 12px}
.hero-note p{margin:0;color:#6D7178;line-height:1.7;font-size:.9rem}
.hero-note ul{list-style:none;margin:20px 0 0;padding:0}
.hero-note li{padding:11px 0;border-bottom:1px solid #ECE8E1;color:#4E535A;font-size:.86rem}
.hero-note li:last-child{border-bottom:0}
.hero-note li:before{content:"✓";color:var(--gold-dark);margin-right:9px;font-weight:800}

.section{padding:78px 0;border-bottom:1px solid var(--line)}
.section.soft{background:linear-gradient(120deg,var(--ivory),#F8F2EA)}
.section-head{display:grid;grid-template-columns:.34fr .66fr;gap:52px;align-items:start;margin-bottom:44px}
.label{display:inline-flex;align-items:center;gap:9px;font-size:.69rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);font-weight:760}
.label:before{content:"";width:23px;height:2px;background:var(--gold);transform:rotate(-4deg)}
.section h2{font-size:clamp(2.15rem,4vw,3.65rem);line-height:1.03;letter-spacing:-.035em;margin:0}
.intro{margin:14px 0 0;color:#6B7077;line-height:1.78;max-width:710px}

.points{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.point{
  background:#fff;border:1px solid var(--line);padding:24px 25px;min-height:178px;
  box-shadow:0 10px 26px rgba(23,32,51,.035)
}
.point:nth-child(1){border-radius:4px 14px 4px 10px;transform:rotate(-.25deg)}
.point:nth-child(2){border-radius:12px 4px 12px 4px;transform:translateY(4px)}
.point:nth-child(3){border-radius:4px 12px 4px 15px;transform:rotate(.22deg)}
.point .num{font-family:Georgia,"Times New Roman",serif;color:var(--gold);font-size:2rem}
.point h3{font-size:1.28rem;margin:18px 0 9px}
.point p{margin:0;color:#72767D;font-size:.87rem;line-height:1.65}

.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.paper{
  background:#fff;border:1px solid var(--line);padding:30px;
  border-radius:4px 16px 4px 14px;box-shadow:0 12px 30px rgba(23,32,51,.04)
}
.paper h3{font-size:1.7rem;margin:0 0 15px}
.paper p{color:#6D7178;line-height:1.75;margin:0}
.paper ul{margin:20px 0 0;padding:0;list-style:none}
.paper li{padding:11px 0;border-bottom:1px solid #ECE8E1;color:#535860;font-size:.9rem}
.paper li:last-child{border-bottom:0}
.paper li:before{content:"—";color:var(--gold-dark);margin-right:10px}

.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:20px 0}
.faq summary{cursor:pointer;list-style:none;font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:1.18rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--gold-dark);font-family:Inter,sans-serif}
.faq details[open] summary:after{content:"–"}
.faq p{color:#6B7077;line-height:1.72;margin:12px 34px 0 0;font-size:.9rem}

.cta{padding:78px 0;background:var(--navy);color:#fff}
.cta-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:end}
.cta h2{font-size:clamp(2.3rem,4.3vw,4rem);color:#fff;line-height:1;margin:0}
.cta p{color:#BCC4CF;line-height:1.75;margin:0 0 24px}
.cta .btn-primary{background:#fff;color:var(--navy);border-color:#fff}
.cta .btn-primary:hover{background:var(--ivory)}

.breadcrumb{font-size:.76rem;color:#8A8E95;margin-bottom:20px}
.breadcrumb a{text-decoration:none;color:#6F737A}
.breadcrumb a:hover{color:var(--navy)}

footer{background:#101722;color:#9EA8B5;padding:46px 0 28px}
.footer-top{display:grid;grid-template-columns:1.3fr repeat(3,.7fr);gap:40px;padding-bottom:32px;border-bottom:1px solid #2A3342}
.footer-brand img{height:28px;filter:brightness(0) invert(1)}
.footer-brand p{font-size:.83rem;line-height:1.7;max-width:330px;margin:18px 0 0}
.footer-col strong{display:block;color:#fff;font-size:.81rem;margin-bottom:14px}
.footer-col a{display:block;text-decoration:none;color:#9EA8B5;font-size:.81rem;margin:10px 0}
.footer-bottom{padding-top:22px;font-size:.74rem;color:#737E8B;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}

.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hub-card{
  display:block;text-decoration:none;background:#fff;border:1px solid var(--line);padding:25px;
  min-height:192px;transition:.2s ease;box-shadow:0 10px 28px rgba(23,32,51,.035)
}
.hub-card:hover{transform:translateY(-3px);border-color:#CBB993}
.hub-card:nth-child(odd){border-radius:4px 15px 4px 12px}
.hub-card:nth-child(even){border-radius:13px 4px 14px 4px}
.hub-card .tag{font-size:.67rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);font-weight:760}
.hub-card h3{font-size:1.45rem;margin:17px 0 10px}
.hub-card p{margin:0;color:#70747B;font-size:.87rem;line-height:1.65}
.hub-card .arrow{display:block;margin-top:20px;color:var(--gold-dark);font-size:1.15rem}

.notice{margin-top:22px;padding:14px 16px;border-left:3px solid var(--gold);background:#F8F3E9;color:#686C73;font-size:.82rem;line-height:1.6}

@media(max-width:900px){
  nav a:not(.nav-cta){display:none}
  .hero-grid,.section-head,.cta-grid,.split{grid-template-columns:1fr;gap:34px}
  .points,.hub-grid{grid-template-columns:1fr 1fr}
  .hero{padding:58px 0 50px}
  .hero-note{transform:none}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .wrap{width:min(calc(100% - 28px),var(--max))}
  .brand img{height:27px}.nav{min-height:70px}.nav-cta{padding:9px 11px;font-size:.76rem}
  h1{font-size:3.15rem}
  .section{padding:62px 0}
  .points,.hub-grid{grid-template-columns:1fr}
  .point:nth-child(n){transform:none}
  .cta{padding:64px 0}
  .footer-top{grid-template-columns:1fr}
}


/* Hub completo de /hipotecas/ */
.hub-index{
  display:flex;
  flex-wrap:wrap;
  gap:9px;
  margin-top:28px;
}
.hub-index a{
  text-decoration:none;
  border:1px solid var(--line);
  background:rgba(255,255,255,.76);
  padding:9px 12px;
  font-size:.76rem;
  color:#58606A;
  border-radius:999px;
  transition:.2s ease;
}
.hub-index a:hover{border-color:var(--gold);color:var(--navy)}
.hub-section{padding:72px 0;border-bottom:1px solid var(--line)}
.hub-section:nth-of-type(even){background:linear-gradient(120deg,var(--ivory),#F8F2EA)}
.hub-section-head{
  display:grid;
  grid-template-columns:.32fr .68fr;
  gap:46px;
  align-items:start;
  margin-bottom:34px;
}
.hub-section-head h2{
  margin:0;
  font-family:Georgia,"Times New Roman",serif;
  color:var(--navy);
  font-size:clamp(2rem,3.6vw,3.15rem);
  line-height:1.03;
  letter-spacing:-.035em;
  font-weight:500;
}
.hub-section-head p{
  margin:12px 0 0;
  color:#6B7077;
  line-height:1.72;
  max-width:700px;
}
.hub-card .tag.category-financing{color:#7C633D}
.hub-card .tag.category-term{color:#6A6F79}
.hub-card .tag.category-type{color:#647168}
.hub-card .tag.category-purpose{color:#8A6556}
.hub-card .tag.category-situation{color:#6F6282}
.hub-summary{
  margin-top:18px;
  color:#6C7077;
  font-size:.82rem;
  line-height:1.65;
}
@media(max-width:900px){
  .hub-section-head{grid-template-columns:1fr;gap:18px}
}