/* =========================================================
   Rentas Vitalicias MX — Sistema de diseño
   Estilo profesional actuarial (navy + oro), inspirado en
   la identidad de Grupo Pensar (actuariales.mx / estudiosactuariales.com)
   ========================================================= */

:root{
  --navy:#0A2540;
  --navy-2:#12335c;
  --navy-3:#1c477d;
  --gold:#C9A227;
  --gold-2:#e3c04f;
  --gold-soft:#f3e6b8;
  --teal:#1BA098;
  --ink:#12233b;
  --body:#334155;
  --muted:#64748b;
  --line:#e2e8f0;
  --bg:#f6f8fb;
  --card:#ffffff;
  --ok:#0f8a5f;
  --warn:#b45309;
  --danger:#b91c1c;
  --shadow:0 10px 30px rgba(10,37,64,.08);
  --shadow-lg:0 24px 60px rgba(10,37,64,.14);
  --radius:16px;
  --radius-sm:10px;
  --maxw:1160px;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --serif:'Georgia','Times New Roman',serif;
  --mono:'SFMono-Regular',Consolas,'Liberation Mono',Menlo,monospace;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--sans);color:var(--body);background:var(--bg);
  line-height:1.7;font-size:17px;overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-3);text-decoration:none;transition:color .2s}
a:hover{color:var(--gold)}
h1,h2,h3,h4{color:var(--ink);line-height:1.22;font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem);margin:0 0 .5em}
h3{font-size:1.28rem;margin:0 0 .4em}
p{margin:0 0 1rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.narrow{max-width:820px;margin-inline:auto}

/* ---------- Skip link / a11y ---------- */
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:10px 16px;border-radius:8px;z-index:1000}
.skip:focus{left:12px;top:12px}

/* ---------- Header / Nav ---------- */
header#site-header{position:sticky;top:0;z-index:900;background:rgba(10,37,64,.98);
  backdrop-filter:saturate(140%) blur(8px);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.nav-wrap{max-width:var(--maxw);margin:0 auto;padding:12px 22px;display:flex;align-items:center;gap:18px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:800}
.brand .mark{width:40px;height:40px;border-radius:10px;background:linear-gradient(135deg,var(--gold),var(--gold-2));
  display:grid;place-items:center;color:var(--navy);font-size:1.25rem;box-shadow:0 6px 18px rgba(201,162,39,.35)}
.brand b{font-size:1.05rem;letter-spacing:-.01em;display:block;line-height:1.1}
.brand small{color:#9db8d6;font-weight:600;font-size:.68rem;letter-spacing:.06em;text-transform:uppercase}
nav#main-nav{margin-left:auto;display:flex;align-items:center;gap:2px;flex-wrap:wrap}
nav#main-nav a{color:#d6e2f2;font-weight:600;font-size:.85rem;padding:8px 11px;border-radius:8px}
nav#main-nav a:hover{color:#fff;background:rgba(255,255,255,.08)}
nav#main-nav a.cta{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:var(--navy);font-weight:800}
nav#main-nav a.cta:hover{filter:brightness(1.06)}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.25);color:#fff;
  width:42px;height:40px;border-radius:9px;font-size:1.2rem;cursor:pointer}

/* ---------- Hero ---------- */
.hero{position:relative;background:
  radial-gradient(1000px 500px at 85% -10%,rgba(27,160,152,.18),transparent 60%),
  radial-gradient(800px 500px at 0% 0%,rgba(201,162,39,.14),transparent 55%),
  linear-gradient(160deg,var(--navy) 0%,#08203a 60%,#061a30 100%);color:#eaf1fa;padding:64px 0 72px}
.hero .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;color:var(--gold-2);border:1px solid rgba(201,162,39,.35);padding:6px 14px;border-radius:999px;background:rgba(201,162,39,.08)}
.hero .dot{width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(27,160,152,.25)}
.hero h1{color:#fff;font-size:clamp(2.1rem,5.2vw,3.5rem);margin:18px 0 14px;max-width:16ch}
.hero h1 .accent{color:var(--gold-2)}
.hero p.lead{font-size:1.15rem;color:#c9d8ec;max-width:60ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.badge{font-size:.74rem;font-weight:700;color:#cfe0f4;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  padding:6px 12px;border-radius:999px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:.95rem;padding:13px 22px;border-radius:11px;
  cursor:pointer;border:1px solid transparent;transition:transform .15s,box-shadow .2s,filter .2s}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:var(--navy);box-shadow:0 10px 26px rgba(201,162,39,.32)}
.btn-gold:hover{color:var(--navy);filter:brightness(1.05)}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.28)}
.btn-ghost:hover{color:#fff;background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{color:#fff;background:var(--navy-2)}

/* ---------- Stat strip ---------- */
.statstrip{background:var(--navy-2);color:#fff}
.statstrip .container{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:26px 22px}
.stat b{display:block;font-size:2rem;color:var(--gold-2);font-weight:800;line-height:1}
.stat span{font-size:.82rem;color:#a9c1de}

/* ---------- Sections ---------- */
section{padding:64px 0}
.section-tag{display:inline-block;font-size:.76rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:var(--teal);margin-bottom:10px}
.section-head{max-width:760px;margin-bottom:34px}
.section-head.center{margin-inline:auto;text-align:center}
.section-head p{color:var(--muted);font-size:1.05rem}
.alt{background:#fff}
.navy-sec{background:linear-gradient(160deg,var(--navy),#08203a);color:#dbe6f4}
.navy-sec h2,.navy-sec h3{color:#fff}
.navy-sec .section-head p{color:#a9c1de}

/* ---------- Cards grid ---------- */
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);
  transition:transform .18s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card .num{font-size:.8rem;font-weight:800;color:var(--gold);background:var(--gold-soft);width:34px;height:34px;
  border-radius:9px;display:grid;place-items:center;margin-bottom:14px}
.card .ico{font-size:1.8rem;margin-bottom:10px}
.card h3{font-size:1.15rem}
.card p{font-size:.95rem;color:var(--body);margin-bottom:0}
.card .tagline{margin-top:14px;font-size:.8rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px}
.card a.more{display:inline-block;margin-top:14px;font-weight:700;font-size:.9rem}

/* ---------- Feature list ---------- */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checks li{position:relative;padding-left:34px;font-size:.98rem}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:6px;
  background:var(--gold-soft);color:var(--gold);font-weight:800;display:grid;place-items:center;font-size:.8rem}
.navy-sec .checks li::before{background:rgba(201,162,39,.2);color:var(--gold-2)}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px}
thead th{background:var(--navy);color:#fff;text-align:left;padding:14px 16px;font-weight:700;font-size:.85rem}
tbody td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
tbody tr:nth-child(even){background:#f8fafc}
tbody td strong{color:var(--ink)}
.yes{color:var(--ok);font-weight:800}
.no{color:var(--danger);font-weight:800}

/* ---------- Formula blocks ---------- */
.formula{background:var(--navy);color:#eaf1fa;border-radius:var(--radius-sm);padding:18px 20px;margin:16px 0;
  font-family:var(--mono);font-size:.92rem;overflow-x:auto;border-left:4px solid var(--gold);white-space:pre-wrap}
.formula .cmt{color:#7fa8d6}
.callout{border-left:4px solid var(--gold);background:var(--gold-soft);padding:16px 20px;border-radius:10px;margin:18px 0;font-size:.95rem}
.callout.warn{border-color:var(--warn);background:#fef3e2}
.callout.info{border-color:var(--teal);background:#e6f6f4}

/* ---------- FAQ ---------- */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:1.4rem;font-weight:800;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:16px 22px 20px;color:var(--body);font-size:.96rem}

/* ---------- Ad slots ---------- */
.ad-slot{max-width:var(--maxw);margin:26px auto;padding:0 22px;text-align:center}
.ad-slot .ad-label{font-size:.65rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.ad-inner{background:#eef2f7;border:1px dashed #c7d3e2;border-radius:12px;min-height:90px;display:grid;place-items:center;color:#9aa7ba;font-size:.8rem}

/* ---------- Blog cards ---------- */
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);
  display:flex;flex-direction:column;transition:transform .18s,box-shadow .2s}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.post-card .thumb{height:120px;background:linear-gradient(135deg,var(--navy),var(--navy-3));display:grid;place-items:center;color:var(--gold-2);font-size:2rem}
.post-card .body{padding:20px}
.post-card .cat{font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}
.post-card h3{font-size:1.08rem;margin:6px 0 8px}
.post-card time{font-size:.78rem;color:var(--muted)}

/* ---------- Article ---------- */
.article{background:#fff}
.article-hero{background:linear-gradient(160deg,var(--navy),#08203a);color:#eaf1fa;padding:54px 0 46px}
.article-hero .cat{color:var(--gold-2);font-weight:800;letter-spacing:.1em;text-transform:uppercase;font-size:.78rem}
.article-hero h1{color:#fff;font-size:clamp(1.8rem,4.4vw,2.8rem);margin:12px 0}
.article-hero .meta{color:#a9c1de;font-size:.88rem}
.prose{max-width:760px;margin:0 auto;padding:48px 22px;font-size:1.06rem}
.prose h2{margin-top:1.7em;font-size:1.6rem}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose blockquote{border-left:4px solid var(--gold);background:var(--gold-soft);margin:1.4em 0;padding:14px 20px;border-radius:8px}

/* ---------- Breadcrumb ---------- */
.crumbs{font-size:.82rem;color:#9db8d6}
.crumbs a{color:#cfe0f4}

/* ---------- Footer ---------- */
footer#site-footer{background:#061a30;color:#9db8d6;padding:56px 0 26px;font-size:.9rem}
footer#site-footer .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:34px}
footer#site-footer h4{color:#fff;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
footer#site-footer a{color:#9db8d6;display:block;margin-bottom:8px}
footer#site-footer a:hover{color:var(--gold-2)}
footer .foot-brand b{color:#fff;font-size:1.05rem}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:20px;font-size:.78rem;color:#6f89a8;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.disclaimer{background:#04121f;color:#6f89a8;font-size:.78rem;padding:16px 0;text-align:center}

/* ---------- Back to top ---------- */
.totop{position:fixed;right:20px;bottom:20px;width:46px;height:46px;border-radius:50%;background:var(--gold);color:var(--navy);
  display:grid;place-items:center;font-size:1.3rem;box-shadow:var(--shadow-lg);opacity:0;pointer-events:none;transition:opacity .3s;z-index:800;border:none;cursor:pointer}
.totop.show{opacity:1;pointer-events:auto}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .statstrip .container{grid-template-columns:repeat(2,1fr)}
  footer#site-footer .fgrid{grid-template-columns:1fr 1fr}
  nav#main-nav{position:fixed;inset:64px 0 auto 0;flex-direction:column;align-items:stretch;background:var(--navy);
    padding:12px 18px 20px;gap:2px;display:none;box-shadow:var(--shadow-lg)}
  nav#main-nav.open{display:flex}
  nav#main-nav a{padding:12px}
  .nav-toggle{display:block}
}
@media(max-width:560px){
  body{font-size:16px}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .statstrip .container{grid-template-columns:1fr 1fr}
  section{padding:48px 0}
  footer#site-footer .fgrid{grid-template-columns:1fr}
}