/* ============================================================
   Mar Vazquez Finanzas — Cotizador de Retiro (calculadora.html)
   Hoja de estilos exclusiva de la landing del cotizador.
   Se carga DESPUÉS de css/styles.css: reutiliza tokens, header,
   footer y floaters, y sobrescribe lo que el cotizador necesita.
   Todo va con scope .calc-page para no tocar el resto del sitio.
   ============================================================ */

/* ============ BASE DE PÁGINA ============ */
.calc-page{
  background:
    radial-gradient(900px 620px at 50% -8%,rgba(37,99,235,.10),transparent 62%),
    radial-gradient(620px 480px at 100% 22%,rgba(16,185,129,.09),transparent 60%),
    radial-gradient(560px 460px at -6% 46%,rgba(56,189,248,.10),transparent 60%),
    linear-gradient(180deg,#FFFFFF 0%,var(--bg) 42%,#FFFFFF 100%);
  background-attachment:fixed;
}
.calc-page.modal-open{overflow:hidden}

.shell{
  width:100%;max-width:1120px;margin:0 auto;
  padding:96px 20px 60px;
  display:grid;gap:26px;
}
@media(min-width:820px){.shell{padding:120px 24px 80px;gap:32px}}

.hidden{display:none !important}
.shell .muted{color:var(--slate-2)}

/* ============ HERO DEL COTIZADOR ============ */
.lampHero{
  position:relative;overflow:hidden;
  border-radius:var(--radius-xl);
  border:1px solid var(--line);
  background:
    radial-gradient(620px 420px at 88% -10%,rgba(16,185,129,.13),transparent 62%),
    radial-gradient(720px 460px at 6% 0%,rgba(37,99,235,.14),transparent 60%),
    #fff;
  box-shadow:var(--shadow-md);
  padding:clamp(30px,5vw,58px) clamp(22px,4vw,52px) clamp(34px,5vw,52px);
}
.lampHero::before{
  content:"";position:absolute;inset:0 0 auto 0;height:4px;
  background:linear-gradient(90deg,var(--blue-700),var(--blue-400),var(--green));
}
.lampContent{position:relative;z-index:2;max-width:760px}

.leadEyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--blue-600);background:var(--blue-50);border:1px solid var(--blue-100);
  padding:8px 16px;border-radius:100px;margin-bottom:20px;
}
.leadEyebrow::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--blue-600)}

.leadTitle{
  font-size:clamp(1.95rem,5vw,3.1rem);font-weight:700;line-height:1.08;
  letter-spacing:-.03em;color:var(--blue-900);margin:0 0 18px;
}
.heroTitleAccent{
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;
}
.heroTitleGold{color:var(--green-dark)}

.leadText{
  font-size:clamp(1rem,2.2vw,1.16rem);color:var(--slate);line-height:1.7;max-width:640px;margin:0;
}

.ctaRow{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.ghostBtn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:inherit;font-weight:600;font-size:1rem;padding:15px 28px;border-radius:100px;
  background:#fff;color:var(--blue-700);border:1.5px solid var(--blue-200);
  box-shadow:var(--shadow-xs);cursor:pointer;
  transition:transform .3s cubic-bezier(.2,.8,.2,1),box-shadow .3s ease,border-color .3s ease;
}
.ghostBtn:hover{transform:translateY(-3px);border-color:var(--blue-400);box-shadow:var(--shadow-sm)}
.ghostBtn.primary{
  background:var(--grad-cta);color:#fff;border-color:transparent;box-shadow:var(--shadow-glow);
}
.ghostBtn.primary:hover{box-shadow:0 20px 48px -12px rgba(16,185,129,.6)}

.heroTrustBar{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.heroTrustItem{
  font-size:.8rem;font-weight:600;color:var(--blue-800);
  background:var(--blue-50);border:1px solid var(--blue-100);
  padding:8px 14px;border-radius:100px;
}
.heroTrustItem::before{content:"✓";color:var(--green-dark);margin-right:7px;font-weight:700}

.benefitList{list-style:none;padding:0;margin:32px 0 0;display:grid;gap:14px}
@media(min-width:760px){.benefitList{grid-template-columns:repeat(3,1fr)}}
.benefitItem{
  background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 18px 20px;
  box-shadow:var(--shadow-xs);display:grid;gap:8px;
}
.benefitKicker{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.78rem;font-weight:700;letter-spacing:.04em;color:var(--blue-700);
}
.benefitKicker svg{color:var(--green-dark);flex:none}
.benefitCopy{font-size:.92rem;color:var(--slate);line-height:1.6}

/* ============ TARJETAS / SECCIONES ============ */
.calc-page .card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-sm);padding:0;overflow:hidden;
  transition:box-shadow .35s ease,border-color .35s ease;transform:none;
}
.calc-page .card::before{display:none}
.calc-page .card:hover{transform:none;box-shadow:var(--shadow-sm);border-color:var(--line)}

.cardHeader{
  padding:clamp(22px,3vw,32px) clamp(20px,3vw,34px) 0;
}
.cardHeaderRow{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:10px}
.cardHeader h2{font-size:clamp(1.35rem,3vw,1.75rem);font-weight:700;color:var(--blue-900);letter-spacing:-.02em}
.cardHeader p{color:var(--slate);font-size:.96rem;margin:0;line-height:1.6}
.cardBody{padding:clamp(20px,3vw,30px) clamp(20px,3vw,34px) clamp(26px,3vw,34px)}

.stepBadge,.pprStepBadge{
  font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:7px 14px;border-radius:100px;
  background:var(--blue-50);color:var(--blue-700);border:1px solid var(--blue-100);
}
.pprStepBadge{background:rgba(16,185,129,.1);color:var(--green-dark);border-color:rgba(16,185,129,.24)}

.metaCard{border-color:var(--blue-200)}
.planPreviewCard{border-color:rgba(16,185,129,.3)}

/* ============ CAMPOS ============ */
.field{margin-bottom:20px}
.field:last-child{margin-bottom:0}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:8px;color:var(--blue-900)}
.labelNote{font-weight:400;color:var(--slate-2);font-size:.84rem}
.field input,.field select{
  width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:14px;
  font-size:1rem;font-family:inherit;color:var(--ink);background:#fff;
  transition:border-color .2s,box-shadow .2s;
}
.field input::placeholder{color:var(--slate-2)}
.field input:focus,.field select:focus{
  outline:none;border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(37,99,235,.12);
}
.field select{appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;padding-right:44px;
}
.hint{font-size:.82rem;color:var(--slate-2);margin-top:7px;line-height:1.5}
.error{color:#DC2626;font-size:.83rem;margin-top:7px;display:none;font-weight:600}
.field.invalid input,.field.invalid select{border-color:#DC2626;box-shadow:0 0 0 4px rgba(220,38,38,.1)}
.field.invalid .error{display:block}
.error.hidden{display:none !important}

.fieldRow,.metaTwoCol,.aforeInputsGrid,.quoteGateGrid{display:grid;gap:20px}
/* Dentro de una grid manda el gap: si no, el último campo pierde su margen
   y en móvil (una sola columna) se pega al siguiente label. */
.fieldRow .field,.metaTwoCol .field,.aforeInputsGrid .field,.quoteGateGrid .field{margin-bottom:0}
@media(min-width:700px){
  .metaTwoCol,.aforeInputsGrid{grid-template-columns:1fr 1fr}
  .fieldRow{grid-template-columns:repeat(3,1fr)}
}

.fieldLabelRow{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.fieldLabelRow label{margin-bottom:0}
.tooltipWrap{position:relative;display:inline-flex}
.tooltipBtn{
  width:20px;height:20px;border-radius:50%;display:grid;place-items:center;
  background:var(--blue-50);color:var(--blue-600);border:1px solid var(--blue-100);
  font-size:.72rem;font-weight:700;cursor:pointer;line-height:1;
}
.tooltipBox{
  position:absolute;bottom:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(4px);
  width:min(260px,70vw);padding:12px 14px;border-radius:14px;
  background:var(--blue-900);color:#DBEAFE;font-size:.8rem;line-height:1.55;font-weight:500;
  box-shadow:var(--shadow-md);opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:30;
}
.tooltipWrap:hover .tooltipBox,.tooltipWrap.is-open .tooltipBox{opacity:1;transform:translateX(-50%) translateY(0)}

/* ============ BOTONES DEL COTIZADOR ============ */
.calc-page .btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:inherit;font-weight:600;font-size:1rem;padding:15px 30px;border-radius:100px;
  background:var(--grad-cta);color:#fff;border:none;cursor:pointer;
  box-shadow:var(--shadow-glow);
  transition:transform .3s cubic-bezier(.2,.8,.2,1),box-shadow .3s ease,opacity .3s ease;
}
.calc-page .btn:hover:not(:disabled){transform:translateY(-3px);box-shadow:0 20px 48px -12px rgba(16,185,129,.6)}
.calc-page .btn:disabled{opacity:.45;cursor:not-allowed;box-shadow:none}
.btnRow{display:grid;gap:14px;justify-items:start;margin-top:24px}

.configGrid{display:flex;flex-wrap:wrap;gap:8px}
.chip{
  font-size:.78rem;color:var(--slate);background:var(--bg);
  border:1px solid var(--line);border-radius:100px;padding:7px 14px;
}
.chip strong{color:var(--blue-800);font-weight:600}

/* ============ STEPPER ============ */
.calcStepper{
  display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:28px;
  padding:14px;background:var(--bg);border:1px solid var(--line);border-radius:18px;
}
.stepItem{display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center}
.stepBubble{
  width:34px;height:34px;border-radius:50%;display:grid;place-items:center;
  font-weight:700;font-size:.9rem;background:#fff;color:var(--slate-2);
  border:1.5px solid var(--line);transition:background .3s,color .3s,border-color .3s;
}
.stepLabel{font-size:.76rem;font-weight:600;color:var(--slate-2)}
.stepItem.is-active .stepBubble{background:var(--grad);color:#fff;border-color:transparent}
.stepItem.is-active .stepLabel{color:var(--blue-700)}
.stepItem.is-done .stepBubble{background:var(--green);color:#fff;border-color:transparent}
.stepItem.is-done .stepLabel{color:var(--green-dark)}

/* ============ AFORE (paso 1) ============ */
.metaAforeGroup{
  margin-top:26px;padding:22px;border-radius:18px;
  background:var(--blue-50);border:1px solid var(--blue-100);
}
.metaGroupTitle{
  font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--blue-700);margin-bottom:16px;
}
.aforeToggleRow{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px}
.aforeToggleLabel{font-size:.92rem;font-weight:600;color:var(--blue-900)}
.segRow{display:flex;gap:6px;background:#fff;border:1px solid var(--line);border-radius:100px;padding:4px}
.segBtn{
  font-family:inherit;font-size:.86rem;font-weight:600;padding:9px 18px;border-radius:100px;
  color:var(--slate);background:transparent;border:none;cursor:pointer;transition:background .25s,color .25s;
}
.segBtn.active{background:var(--grad);color:#fff}
#aforeInputSection{margin-top:20px}

/* ============ CAJA DE BRECHA ============ */
.metaBrechaBox{
  margin-top:26px;padding:22px;border-radius:18px;
  background:#fff;border:1px solid var(--blue-200);box-shadow:var(--shadow-xs);
}
.metaBrechaTitle{
  font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--blue-700);margin-bottom:14px;
}
.metaBrechaRow{
  display:flex;align-items:baseline;justify-content:space-between;gap:14px;
  padding:11px 0;border-bottom:1px dashed var(--line);font-size:.92rem;color:var(--slate);
}
.metaBrechaRow:last-child{border-bottom:none;padding-bottom:0}
.metaBrechaRow strong{font-size:1.02rem;color:var(--blue-900);text-align:right}
.metaBrechaRow.teal strong{color:var(--green-dark)}
.metaBrechaRow.blue strong{color:var(--blue-600)}
.metaBrechaRow.gold{
  margin-top:8px;padding:14px 16px;border-radius:14px;border-bottom:none;
  background:rgba(16,185,129,.08);border:1px solid rgba(16,185,129,.24);
}
.metaBrechaRow.gold strong{color:var(--green-dark);font-size:1.14rem;font-weight:700}

/* ============ VISTA PREVIA DEL PLAN ============ */
.planBreakdownTable{
  border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;
}
.planBreakdownRow{
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:15px 18px;border-bottom:1px solid var(--line);font-size:.93rem;color:var(--slate);
}
.planBreakdownRow:last-child{border-bottom:none}
.planBreakdownRight{text-align:right;display:grid;gap:2px}
.planBreakdownRight strong{font-size:1.05rem;color:var(--blue-900)}
.ppFuture{font-size:.76rem;color:var(--slate-2)}
.planBreakdownRow.covered{background:rgba(16,185,129,.06)}
.planBreakdownRow.covered strong{color:var(--green-dark)}
.planBreakdownRow.brecha{background:var(--blue-50)}
.planBreakdownRow.brecha strong{color:var(--blue-700)}

.ppSuggestionBlock{
  margin-top:22px;padding:26px 22px;border-radius:20px;text-align:center;
  background:linear-gradient(150deg,var(--blue-900),var(--blue-700));
  color:#DBEAFE;position:relative;overflow:hidden;
}
.ppSuggestionBlock::after{
  content:"";position:absolute;width:280px;height:280px;border-radius:50%;top:-140px;right:-90px;
  background:radial-gradient(circle,rgba(16,185,129,.28),transparent 70%);
}
.ppSuggestionLabel{
  position:relative;z-index:2;font-size:.76rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--blue-200);
}
.ppSuggestionAmount{
  position:relative;z-index:2;font-size:clamp(2rem,6vw,2.8rem);font-weight:700;
  line-height:1.1;color:#fff;margin:10px 0 8px;letter-spacing:-.02em;
}
.ppSuggestionNote{position:relative;z-index:2;font-size:.86rem;color:#BFDBFE;line-height:1.6}
.ppSuggestionStats{
  position:relative;z-index:2;display:grid;gap:12px;margin-top:22px;
}
@media(min-width:560px){.ppSuggestionStats{grid-template-columns:1fr 1fr}}
.ppStat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:14px 16px}
.ppStatLabel{font-size:.74rem;color:#BFDBFE;font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.ppStatValue{font-size:1.24rem;font-weight:700;color:#fff;margin-top:6px}
.ppStatSub{font-size:.76rem;color:#93C5FD;margin-top:2px}

.ppCompareBlock{
  margin-top:22px;padding:22px;border-radius:20px;
  background:var(--bg);border:1px solid var(--line);
}
.ppCompareLabel{font-size:.9rem;font-weight:600;color:var(--blue-900);margin-bottom:14px}
.ppCompareInputRow{
  display:flex;align-items:center;gap:10px;background:#fff;
  border:1.5px solid var(--line);border-radius:14px;padding:6px 16px;
  transition:border-color .2s,box-shadow .2s;
}
.ppCompareInputRow:focus-within{border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(37,99,235,.12)}
.ppComparePrefix{font-size:1.1rem;font-weight:700;color:var(--blue-600)}
.ppCompareInputRow input{flex:1;min-width:0;border:none;outline:none;padding:12px 0;font-size:1.05rem;font-family:inherit;color:var(--ink);background:transparent}
.ppCompareSuffix{font-size:.82rem;color:var(--slate-2);white-space:nowrap}
.ppCompareRenta{
  margin-top:20px;text-align:center;font-size:clamp(1.7rem,5vw,2.3rem);font-weight:700;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;line-height:1.15;
}
.ppCompareRentaNote{text-align:center;font-size:.82rem;color:var(--slate-2);margin-top:4px}
.ppCompareStats{display:grid;gap:12px;margin-top:18px}
@media(min-width:560px){.ppCompareStats{grid-template-columns:1fr 1fr}}
.ppCompareStat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px 16px;text-align:center}
.ppCompareStatLabel{font-size:.74rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--slate-2)}
.ppCompareStatValue{font-size:1.2rem;font-weight:700;color:var(--blue-900);margin-top:6px}
.ppCompareStatValue.orange{color:#B45309}
.ppCompareStatSub{font-size:.76rem;color:var(--slate-2);margin-top:2px}

.ppCtaBlock{margin-top:24px;text-align:center;display:grid;gap:14px;justify-items:center}
.ppCtaNote{font-size:.96rem;color:var(--slate);margin:0}
.ppCtaNote em{color:var(--blue-700);font-style:normal;font-weight:600}

/* ============ BANNER DE APORTACIÓN SUGERIDA ============ */
.pprSuggestedBox{
  margin:0 clamp(20px,3vw,34px);padding:18px 20px;border-radius:18px;
  background:rgba(16,185,129,.08);border:1px solid rgba(16,185,129,.26);
}
.pprSuggestedLabel{font-size:.76rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--green-dark)}
.pprSuggestedAmount{font-size:1.55rem;font-weight:700;color:var(--blue-900);margin:6px 0 4px}
.pprSuggestedNote{font-size:.84rem;color:var(--slate);line-height:1.55}

/* ============ RESULTADOS ============ */
.resultsPreview{display:grid;gap:14px}
@media(min-width:760px){.resultsPreview{grid-template-columns:repeat(3,1fr)}}
.resultsPreviewCard{
  background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:20px;display:grid;gap:8px;
}
.resultsPreviewKicker{
  font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-600);
}
.resultsPreviewTitle{font-size:1rem;color:var(--blue-900);font-weight:600}
.resultsPreviewText{font-size:.88rem;color:var(--slate);line-height:1.6;margin:0}

.resultSummaryStrip{display:grid;gap:12px;margin-bottom:22px}
@media(min-width:700px){.resultSummaryStrip{grid-template-columns:repeat(4,1fr)}}
.resultSummaryCard{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:16px;padding:14px 16px}
.resultSummaryLabel{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue-600)}
.resultSummaryValue{font-size:1rem;font-weight:600;color:var(--blue-900);margin-top:5px}

.copyBlock{
  padding:18px 20px;border-radius:16px;background:var(--bg);border:1px solid var(--line);
  color:var(--slate);font-size:.96rem;line-height:1.65;margin-bottom:22px;
}

.resultsStack{display:grid;gap:22px}
.scenarioBlock{border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff}
.sbHead{
  display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;
  padding:18px 22px;background:linear-gradient(120deg,var(--blue-900),var(--blue-700));
}
.sbTitle{font-size:1.1rem;font-weight:700;color:#fff;margin:0}
.rateTag{
  font-size:.82rem;font-weight:700;color:var(--blue-900);background:#fff;
  padding:7px 15px;border-radius:100px;
}
.sbBody{padding:22px}
.sbFooterLine{font-size:.88rem;color:var(--slate-2);margin-bottom:20px}

.scenarioTop{display:grid;gap:18px}
@media(min-width:900px){.scenarioTop{grid-template-columns:minmax(0,1fr) minmax(0,1.05fr)}}
.twoCols{display:grid;gap:14px;align-content:start}

.metricCard{
  background:var(--blue-50);border:1px solid var(--blue-100);border-radius:20px;padding:22px;
}
.metricLabel{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-600)}
.metricValue{
  font-size:clamp(1.8rem,5vw,2.5rem);font-weight:700;line-height:1.1;margin:8px 0 10px;letter-spacing:-.02em;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;
}
.metricSub{font-size:.85rem;color:var(--slate);line-height:1.6}
.metricStrongWhite{display:block;margin-top:8px;color:var(--blue-800);font-weight:600}

.pensionBlock{
  background:linear-gradient(150deg,#065F46,var(--green-dark));border-radius:20px;padding:22px;color:#D1FAE5;
}
.pensionTitle{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#A7F3D0}
.pensionGrid{margin-top:10px}
.pensionAmount{font-size:clamp(1.6rem,4.6vw,2.1rem);font-weight:700;color:#fff;line-height:1.15}
.pensionNote{font-size:.82rem;color:#A7F3D0;margin-top:4px}

.chartCard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:var(--shadow-xs)}
.chartHead{margin-bottom:12px}
.chartTitle{font-size:.95rem;font-weight:700;color:var(--blue-900)}
.chartCanvasWrap{position:relative;height:260px}
.chartMeta{display:grid;gap:10px;margin-top:16px}
@media(min-width:520px){.chartMeta{grid-template-columns:1fr 1fr}}
.chartMetaItem{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:11px 14px}
.chartMetaItem.highlight{background:var(--blue-50);border-color:var(--blue-100)}
.chartMetaLabel{display:block;font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--slate-2)}
.chartMetaValue{font-size:1.02rem;font-weight:700;color:var(--blue-900)}
.chartHint{font-size:.78rem;color:var(--slate-2);margin-top:12px;line-height:1.55}

.taxBox,.bonusBox,.waitBox{
  margin-top:18px;padding:18px;border-radius:18px;font-size:.9rem;line-height:1.65;
  border:1px solid var(--line);background:var(--bg);color:var(--slate);
}
.taxBox{background:rgba(16,185,129,.07);border-color:rgba(16,185,129,.24)}
.taxBox strong,.bonusBox strong{color:var(--blue-900)}
.bonusBox{background:var(--blue-50);border-color:var(--blue-100)}
.waitBox{background:#FFF7ED;border-color:#FED7AA}
.waitTitle{font-weight:700;color:var(--blue-900);margin-bottom:8px;font-size:.98rem}
.waitText{margin-bottom:4px}
.barWrap{margin-top:12px;height:9px;border-radius:100px;background:#FDE7CF;overflow:hidden}
.bar{height:100%;border-radius:100px;background:linear-gradient(90deg,#F59E0B,#DC2626);transform:scaleX(0);transform-origin:left;transition:transform .9s cubic-bezier(.2,.8,.2,1)}

.detailActions{margin-top:20px}
.detailBtn{
  font-family:inherit;font-size:.9rem;font-weight:600;color:var(--blue-700);
  background:#fff;border:1.5px solid var(--blue-200);border-radius:100px;padding:11px 22px;cursor:pointer;
  transition:border-color .25s,background .25s;
}
.detailBtn:hover{border-color:var(--blue-400);background:var(--blue-50)}

.tableWrap{margin-top:16px;overflow-x:auto;border:1px solid var(--line);border-radius:16px;-webkit-overflow-scrolling:touch}
.breakdownTable{width:100%;border-collapse:collapse;font-size:.84rem;min-width:660px}
.breakdownTable th{
  background:var(--blue-900);color:#fff;font-weight:600;text-align:left;
  padding:12px 14px;white-space:nowrap;font-size:.78rem;
}
.breakdownTable td{padding:11px 14px;border-bottom:1px solid var(--line);color:var(--slate);white-space:nowrap}
.breakdownTable tbody tr:nth-child(even){background:var(--bg)}
.breakdownTable td:nth-child(5),.breakdownTable td:nth-child(6){color:var(--blue-900);font-weight:600}

/* ============ TARJETA AFORE (resultados) ============ */
.aforeCard{margin-top:22px}
.aforeSemanasChip{
  display:inline-block;font-size:.82rem;font-weight:600;padding:9px 16px;border-radius:100px;margin-bottom:18px;
}
.aforeSemanasChip.ok{background:rgba(16,185,129,.1);color:var(--green-dark);border:1px solid rgba(16,185,129,.28)}
.aforeSemanasChip.nok{background:#FEF2F2;color:#B91C1C;border:1px solid #FECACA}
.aforeResultGrid{display:grid;gap:12px}
@media(min-width:760px){.aforeResultGrid{grid-template-columns:repeat(3,1fr)}}
.aforeStatCard{background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:18px;text-align:center}
.aforeStatVal{font-size:1.3rem;font-weight:700;color:var(--blue-900)}
.aforeStatLabel{font-size:.78rem;color:var(--slate-2);margin-top:6px;line-height:1.5}
.aforeBrecha{margin-top:18px;padding:20px;border-radius:18px;background:var(--blue-50);border:1px solid var(--blue-100)}
.aforeBrechaTitle{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-700);margin-bottom:12px}
.aforeBrechaRow{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px dashed var(--blue-200);font-size:.92rem;color:var(--slate)}
.aforeBrechaRow:last-child{border-bottom:none}
.aforeBrechaRow strong{color:var(--blue-900)}
.aforeBrechaRow.teal strong{color:var(--green-dark)}
.aforeBrechaRow.blue strong{color:var(--blue-600)}
.aforeBrechaRow.total{font-weight:700;padding-top:14px;border-top:1px solid var(--blue-200)}
.aforeBrechaRow.total span{color:var(--blue-900);font-weight:700}

/* ============ BLINDA TU INVERSIÓN (seguro de vida) ============ */
.vidaCard{margin-top:22px}

.vidaControls{
  display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-bottom:20px;
}
.vidaToggle{
  display:inline-flex;padding:4px;gap:4px;border-radius:100px;
  background:var(--bg);border:1px solid var(--line);
}
.vidaToggleBtn{
  appearance:none;border:0;cursor:pointer;font:inherit;
  font-size:.86rem;font-weight:600;color:var(--slate-2);
  padding:9px 20px;border-radius:100px;background:transparent;
  min-height:44px;transition:background .25s ease,color .25s ease;
}
.vidaToggleBtn.is-active{background:#fff;color:var(--blue-900);box-shadow:var(--shadow-xs)}
.vidaToggleBtn:focus-visible{outline:2px solid var(--blue-600);outline-offset:2px}
.vidaAgeChip{
  font-size:.8rem;font-weight:600;color:var(--blue-700);
  background:var(--blue-50);border:1px solid var(--blue-100);
  padding:9px 16px;border-radius:100px;
}

.vidaPriceBox{
  position:relative;overflow:hidden;
  padding:26px clamp(20px,4vw,30px);border-radius:22px;
  background:linear-gradient(140deg,var(--blue-900),var(--blue-700));color:#DBEAFE;
}
.vidaPriceBox::after{
  content:"";position:absolute;width:280px;height:280px;border-radius:50%;top:-150px;right:-90px;
  background:radial-gradient(circle,rgba(16,185,129,.32),transparent 70%);
}
.vidaPriceBox > *{position:relative;z-index:2}
.vidaPriceKicker{
  display:block;font-size:.74rem;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;color:rgba(219,234,254,.8);margin-bottom:10px;
}
.vidaPriceValue{
  font-size:clamp(2.1rem,7vw,2.9rem);font-weight:700;line-height:1.05;
  letter-spacing:-.03em;color:#fff;
}
.vidaPriceValue span{font-size:.9rem;font-weight:600;letter-spacing:0;color:rgba(219,234,254,.85);margin-left:8px}
.vidaCoverageLine{
  display:flex;flex-wrap:wrap;align-items:baseline;gap:8px;margin-top:14px;
  padding-top:14px;border-top:1px solid rgba(219,234,254,.22);
}
.vidaCoverageLabel{font-size:.86rem;color:rgba(219,234,254,.85)}
.vidaCoverageValue{font-size:1.5rem;font-weight:700;color:var(--mint-400,#34D399);letter-spacing:-.02em}
.vidaPriceMeta{font-size:.8rem;color:rgba(219,234,254,.75);margin-top:12px;line-height:1.55}

.vidaTierRow{display:grid;gap:12px;margin-top:16px}
@media(min-width:700px){.vidaTierRow{grid-template-columns:1fr 1fr}}
.vidaTier{background:var(--bg);border:1px solid var(--line);border-radius:18px;padding:18px}
.vidaTier.is-plus{background:var(--blue-50);border-color:var(--blue-100)}
.vidaTierTag{
  display:block;font-size:.7rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--blue-700);margin-bottom:8px;
}
.vidaTierPrice{display:block;font-size:1.25rem;font-weight:700;color:var(--blue-900);letter-spacing:-.02em}
.vidaTierCopy{font-size:.82rem;color:var(--slate-2);line-height:1.55;margin:8px 0 0}

.vidaDelayBox{
  margin-top:16px;padding:16px 18px;border-radius:16px;
  background:rgba(16,185,129,.08);border:1px solid rgba(16,185,129,.26);
}
.vidaDelayTitle{
  display:block;font-size:.72rem;font-weight:700;letter-spacing:.1em;
  text-transform:uppercase;color:var(--green-dark);margin-bottom:6px;
}
.vidaDelayText{font-size:.9rem;color:var(--slate);line-height:1.6;margin:0}
.vidaDelayText strong{color:var(--blue-900)}

.vidaCta{
  margin-top:18px;display:inline-flex;align-items:center;gap:9px;
  font-weight:600;padding:14px 26px;border-radius:100px;
  background:var(--grad-cta);color:#fff;min-height:44px;
  box-shadow:var(--shadow-glow);transition:transform .3s ease;
}
.vidaCta:hover{transform:translateY(-3px)}

.vidaNote{font-size:.78rem;color:var(--slate-2);line-height:1.6;margin:14px 0 0}

@media(prefers-reduced-motion:reduce){
  .vidaCta:hover{transform:none}
  .vidaToggleBtn{transition:none}
}

/* ============ URGENCIA + PUERTA DE COTIZACIÓN ============ */
.urgencyCard{
  display:none;gap:20px;align-items:center;flex-wrap:wrap;justify-content:space-between;
  margin-top:24px;padding:24px;border-radius:22px;
  background:linear-gradient(140deg,var(--blue-900),var(--blue-700));color:#DBEAFE;
  position:relative;overflow:hidden;
}
.urgencyCard.is-visible{display:flex}
.urgencyCard::after{
  content:"";position:absolute;width:300px;height:300px;border-radius:50%;top:-160px;right:-100px;
  background:radial-gradient(circle,rgba(16,185,129,.3),transparent 70%);
}
.urgencyCardTitle{position:relative;z-index:2;font-size:1.1rem;font-weight:700;color:#fff;margin-bottom:8px}
.urgencyCardBody{position:relative;z-index:2;font-size:.92rem;line-height:1.65;max-width:560px;margin:0}
.urgencyCardBody strong{color:#fff}
.urgencyCardCta{
  position:relative;z-index:2;display:inline-flex;align-items:center;gap:9px;flex:none;
  font-weight:600;padding:14px 26px;border-radius:100px;background:var(--grad-cta);color:#fff;
  box-shadow:var(--shadow-glow);transition:transform .3s ease;
}
.urgencyCardCta:hover{transform:translateY(-3px)}

.quoteGate{
  margin-top:24px;padding:26px;border-radius:22px;
  background:#fff;border:1.5px solid var(--blue-200);box-shadow:var(--shadow-sm);
  display:grid;gap:20px;align-items:center;
}
@media(min-width:820px){.quoteGate{grid-template-columns:1.4fr auto}}
.quoteGateTitle{font-size:1.15rem;font-weight:700;color:var(--blue-900);margin-bottom:8px}
.quoteGateText{font-size:.94rem;color:var(--slate);line-height:1.65}
.quoteGateActions{display:grid;gap:10px;justify-items:start}
@media(min-width:820px){.quoteGateActions{justify-items:end;text-align:right}}
.quoteGateNote{font-size:.8rem;color:var(--slate-2);max-width:280px;line-height:1.5}
.pdfBtn,.quoteBtn{white-space:nowrap}

.calc-page .disclaimer{
  margin-top:22px;padding:16px 18px;border-radius:16px;
  background:var(--bg);border:1px dashed var(--line);
  font-size:.82rem;color:var(--slate);line-height:1.6;
}
.calc-page .disclaimer strong{color:var(--blue-900)}

/* ============ FAQ DEL COTIZADOR ============ */
.faqSection{margin-top:34px}
.faqHead{margin-bottom:18px}
.faqHead h2{font-size:clamp(1.3rem,3vw,1.6rem);color:var(--blue-900);margin-bottom:8px}
.faqHead p{font-size:.9rem;color:var(--slate-2);line-height:1.6;margin:0}
.faqList{display:grid;gap:12px}
.faqItem{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.faqItem[open]{border-color:var(--blue-200);box-shadow:var(--shadow-xs)}
.faqItem summary{
  list-style:none;cursor:pointer;padding:18px 20px;font-weight:600;color:var(--blue-900);font-size:.98rem;
  display:flex;justify-content:space-between;align-items:center;gap:14px;
}
.faqItem summary::-webkit-details-marker{display:none}
.faqItem summary::after{content:"+";flex:none;font-size:1.3rem;color:var(--blue-600);transition:transform .3s}
.faqItem[open] summary::after{transform:rotate(45deg)}
.faqBody{padding:0 20px 20px;color:var(--slate);font-size:.92rem;line-height:1.7}

.contactFooter{
  margin-top:30px;padding:22px;border-radius:18px;background:var(--bg);border:1px solid var(--line);
  display:flex;flex-wrap:wrap;gap:8px 22px;align-items:center;font-size:.88rem;color:var(--slate);
}
.contactFooter strong{color:var(--blue-900);font-size:.98rem}
.contactFooter a{color:var(--blue-600);font-weight:600}
.footerPrivacy{flex-basis:100%;font-size:.78rem;color:var(--slate-2);line-height:1.6;margin-top:4px}

/* ============ BARRA STICKY DEL COTIZADOR ============ */
.retiroCta{
  position:fixed;left:0;right:0;bottom:0;z-index:88;
  display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;
  padding:12px 18px;background:rgba(255,255,255,.92);backdrop-filter:blur(16px);
  border-top:1px solid var(--line);box-shadow:0 -8px 30px -14px rgba(15,40,110,.3);
  transform:translateY(130%);transition:transform .4s ease;
}
.retiroCta.is-visible{transform:translateY(0)}
.retiroCtaText{display:grid;gap:2px;min-width:0}
.retiroCtaText strong{font-size:.92rem;color:var(--blue-900);font-weight:700}
.retiroCtaText span{font-size:.78rem;color:var(--slate-2)}
.retiroCtaActions{display:flex;gap:10px;flex:1;justify-content:flex-end}
.retiroCtaBtn{
  display:inline-flex;align-items:center;gap:8px;font-size:.9rem;font-weight:600;
  padding:12px 20px;border-radius:100px;white-space:nowrap;
}
.retiroCtaBtn.ghost{background:#fff;color:var(--blue-700);border:1.5px solid var(--blue-200)}
.retiroCtaBtn.gold{background:var(--grad-cta);color:#fff;box-shadow:var(--shadow-glow)}
@media(max-width:560px){
  .retiroCtaText{flex-basis:100%}
  .retiroCtaActions{flex-basis:100%}
  .retiroCtaBtn{flex:1;justify-content:center}
}
body.calc-page .wa-float{bottom:104px}
@media(min-width:900px){body.calc-page .wa-float{bottom:108px}}

/* ============ MODAL DE COTIZACIÓN ============ */
.quoteModalBackdrop{
  position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:20px;
  background:rgba(15,23,42,.55);backdrop-filter:blur(6px);overflow-y:auto;
}
.quoteModal{
  position:relative;width:min(560px,100%);background:#fff;border-radius:var(--radius-lg);
  padding:clamp(24px,4vw,36px);box-shadow:var(--shadow-md);margin:auto;
}
.quoteModalClose{
  position:absolute;top:14px;right:14px;width:36px;height:36px;border-radius:50%;
  background:var(--bg);border:1px solid var(--line);color:var(--slate);
  font-size:1.4rem;line-height:1;cursor:pointer;display:grid;place-items:center;
}
.quoteModalClose:hover{background:var(--blue-50);color:var(--blue-700)}
.quoteModalTitle{font-family:'Poppins';font-size:1.3rem;font-weight:700;color:var(--blue-900);margin-bottom:8px;padding-right:36px}
.quoteModalText{font-size:.92rem;color:var(--slate);line-height:1.65;margin-bottom:22px}
@media(min-width:600px){.quoteGateGrid{grid-template-columns:1fr 1fr}}
.quoteModalActions{display:grid;gap:12px;margin-top:22px;justify-items:stretch}
.quoteModalActions .btn{width:100%}

/* ============ ANIMACIONES ============ */
[data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.8,.2,1)}
[data-reveal].is-visible{opacity:1;transform:none}
[data-reveal][data-delay="1"]{transition-delay:.09s}
[data-reveal][data-delay="2"]{transition-delay:.18s}
[data-reveal][data-delay="3"]{transition-delay:.27s}

@media(prefers-reduced-motion:reduce){
  [data-reveal]{opacity:1;transform:none;transition:none}
  .calc-page *,.calc-page *::before,.calc-page *::after{
    animation-duration:.01ms !important;transition-duration:.01ms !important;
  }
}