/* Self-hosted fonts (subset latin) — MG Credit */
    @font-face{font-family:'Barlow Semi Condensed';font-style:italic;font-weight:500;font-display:swap;src:url('fonts/barlow-semi-condensed-500-italic.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:italic;font-weight:600;font-display:swap;src:url('fonts/barlow-semi-condensed-600-italic.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:italic;font-weight:700;font-display:swap;src:url('fonts/barlow-semi-condensed-700-italic.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:italic;font-weight:800;font-display:swap;src:url('fonts/barlow-semi-condensed-800-italic.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:normal;font-weight:500;font-display:swap;src:url('fonts/barlow-semi-condensed-500-normal.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:normal;font-weight:600;font-display:swap;src:url('fonts/barlow-semi-condensed-600-normal.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:normal;font-weight:700;font-display:swap;src:url('fonts/barlow-semi-condensed-700-normal.woff2') format('woff2');}
    @font-face{font-family:'Barlow Semi Condensed';font-style:normal;font-weight:800;font-display:swap;src:url('fonts/barlow-semi-condensed-800-normal.woff2') format('woff2');}
    @font-face{font-family:'Roboto';font-style:normal;font-weight:300;font-display:swap;src:url('fonts/roboto-300-normal.woff2') format('woff2');}
    @font-face{font-family:'Roboto';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/roboto-400-normal.woff2') format('woff2');}

    /* ─────────────────────────────────────────────────────────────
       MG Credit — Landing pública · dirección "02 · Moderna"
       Tokens fuente de verdad (no hardcodear colores sueltos).
       ───────────────────────────────────────────────────────────── */
    :root {
      --teal:       #106372;
      --teal-dark:  #0d5060;
      --teal-deep:  #083e4a;
      --gold:       #b5925c;
      --gold-light: #d4b98a;
      --gold-dark:  #8f7142;
      --black:      #2f3033;
      --cream:      #f9f3ec;
      --cream-warm: #f4ead8;
      --white:      #ffffff;
      --gray:       #f0f2f5;

      --line-cream: #ede4d2;
      --line-input: #e6e1d4;

      --radius-pill: 999px;
      --radius-card: 18px;
      --radius-sm:   8px;

      --shadow-card: 0 24px 60px rgba(15, 99, 114, 0.15);

      --font-display: 'Barlow Semi Condensed', system-ui, sans-serif;
      --font-body:    'Barlow Semi Condensed', system-ui, sans-serif;
      --font-long:    'Roboto', system-ui, sans-serif;

      --container-max: 1280px;
      --container-pad: 64px;

      --fs-hero:         clamp(48px, 9vw, 116px);
      --fs-statement:    clamp(40px, 6.8vw, 92px);
      --fs-statement-sm: clamp(34px, 5vw, 64px);
      --fs-stat:         clamp(40px, 5vw, 56px);
    }

    *, *::before, *::after { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

    body {
      margin: 0;
      background: var(--cream);
      color: var(--gold-dark);
      font-family: var(--font-body);
      font-weight: 500;
      font-style: italic;
      line-height: 1.5;
      -webkit-font-smoothing: antialiased;
      text-rendering: optimizeLegibility;
      overflow-x: hidden;
    }

    a { color: inherit; text-decoration: none; }
    img { max-width: 100%; display: block; }
    button { font: inherit; cursor: pointer; }

    .container {
      max-width: var(--container-max);
      margin-inline: auto;
      padding-inline: var(--container-pad);
    }

    .eyebrow {
      font-style: normal;
      font-weight: 700;
      font-size: 13px;
      letter-spacing: 0.22em;
      text-transform: uppercase;
      color: var(--gold);
    }

    .hl { color: var(--teal); font-style: italic; }

    /* Titulares display */
    .statement {
      font-family: var(--font-display);
      font-style: italic;
      font-weight: 800;
      line-height: 0.95;
      letter-spacing: -0.02em;
      color: var(--black);
      text-wrap: balance;
      margin: 0;
    }
    .statement--lg { font-size: var(--fs-statement); }
    .statement--md { font-size: var(--fs-statement-sm); }

    p { text-wrap: pretty; }

    /* Botones pill */
    .btn {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      font-family: var(--font-display);
      font-style: italic;
      font-weight: 700;
      font-size: 17px;
      padding: 16px 30px;
      border-radius: var(--radius-pill);
      border: 1.5px solid transparent;
      min-height: 44px;
      transition: transform .18s ease, background .18s ease, color .18s ease, box-shadow .18s ease;
      white-space: nowrap;
    }
    .btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
    .btn--teal { background: var(--teal); color: #fff; }
    .btn--teal:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: var(--shadow-card); }
    .btn--outline { background: transparent; color: var(--teal); border-color: var(--teal); }
    .btn--outline:hover { background: var(--teal); color: #fff; transform: translateY(-2px); }
    .btn--gold { background: var(--gold); color: #fff; }
    .btn--gold:hover { background: var(--gold-dark); transform: translateY(-2px); }
    .btn--light { background: #fff; color: var(--teal); }
    .btn--light:hover { transform: translateY(-2px); box-shadow: var(--shadow-card); }
    .btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
    .btn--ghost-light:hover { background: rgba(255,255,255,0.12); }

    /* ───────── HEADER ───────── */
    .site-header {
      position: sticky; top: 0; z-index: 100;
      background: rgba(249, 243, 236, 0.86);
      backdrop-filter: saturate(140%) blur(12px);
      border-bottom: 1px solid transparent;
      transition: box-shadow .25s ease, border-color .25s ease, background .25s ease;
    }
    .site-header.is-stuck {
      box-shadow: 0 8px 30px rgba(15,99,114,0.13);
      border-bottom-color: var(--line-cream);
    }
    .site-header__inner {
      display: flex; align-items: center; justify-content: space-between;
      gap: 24px; padding-block: 16px;
    }
    .nav { display: flex; gap: 30px; align-items: center; }
    .nav a {
      font-style: italic; font-weight: 600; font-size: 16px; color: var(--black);
      transition: color .15s ease;
    }
    .nav a:hover { color: var(--teal); }

    /* Desplegable "Servicios" */
    .nav__item { position: relative; display: flex; align-items: center; }
    .nav__trigger {
      display: inline-flex; align-items: center; gap: 6px; background: none; border: 0; cursor: pointer;
      font-family: var(--font-body); font-style: italic; font-weight: 600; font-size: 16px; color: var(--black); padding: 0;
    }
    .nav__trigger:hover { color: var(--teal); }
    .nav__trigger:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; border-radius: 4px; }
    .nav__chev { transition: transform .2s ease; }
    .nav__has-dropdown:hover .nav__chev,
    .nav__has-dropdown.is-open .nav__chev { transform: rotate(180deg); }
    .nav__dropdown {
      position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(8px);
      min-width: 252px; background: #fff; border: 1px solid var(--line-cream);
      border-radius: var(--radius-card); box-shadow: var(--shadow-card);
      padding: 10px; display: flex; flex-direction: column; gap: 2px;
      opacity: 0; visibility: hidden; transition: opacity .18s ease, transform .18s ease, visibility .18s; z-index: 120;
    }
    .nav__dropdown::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
    .nav__has-dropdown:hover .nav__dropdown,
    .nav__has-dropdown:focus-within .nav__dropdown,
    .nav__has-dropdown.is-open .nav__dropdown {
      opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0);
    }
    .nav__dropdown a {
      font-style: italic; font-weight: 600; font-size: 15px; color: var(--black);
      padding: 11px 14px; border-radius: var(--radius-sm); white-space: nowrap;
      transition: background .15s ease, color .15s ease;
    }
    .nav__dropdown a:hover, .nav__dropdown a:focus-visible { background: var(--cream); color: var(--teal); }
    .nav__dropdown a[aria-current="page"] { color: var(--teal); background: var(--cream-warm); }
    @media (prefers-reduced-motion: reduce) { .nav__dropdown, .nav__chev { transition: none; } }

    /* Ítem destacado del navbar: Hipoteca joven (pill teal) */
    .nav a.nav__highlight {
      color: #fff; background: var(--teal); padding: 9px 18px; border-radius: var(--radius-pill);
      font-style: italic; font-weight: 700; transition: background .18s ease, transform .18s ease, box-shadow .18s ease;
    }
    .nav a.nav__highlight:hover { color: #fff; background: var(--teal-dark); transform: translateY(-1px); box-shadow: var(--shadow-card); }
    .nav a.nav__highlight[aria-current="page"] { background: var(--teal-deep); }
    @media (prefers-reduced-motion: reduce) { .nav a.nav__highlight { transition: none; } }
    .header__actions { display: flex; align-items: center; gap: 18px; }
    .lang {
      font-style: normal; font-weight: 700; font-size: 12px; letter-spacing: 0.12em;
      color: var(--gold-dark); display: inline-flex; gap: 8px;
    }
    .lang button, .lang a { background: none; border: 0; color: inherit; font: inherit; padding: 2px; text-decoration: none; cursor: pointer; }
    .lang a:hover { color: var(--teal); }
    .lang .is-active { color: var(--teal); }
    .lang button:disabled { opacity: 0.45; cursor: default; }

    /* Logo (assets/logo.svg — logo real de mgcredit.es) */
    .logo { display: inline-flex; align-items: center; }
    .logo__img { height: 52px; width: auto; display: block; }
    .mobile-nav__top .logo__img { height: 44px; }
    .footer__about .logo__img { height: 64px; }
    .logo__name {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: 22px; letter-spacing: -0.02em; color: var(--black);
    }

    .hamburger {
      display: none; background: none; border: 0; width: 44px; height: 44px;
      align-items: center; justify-content: center; color: var(--black);
    }
    .hamburger svg { width: 26px; height: 26px; }

    /* Mobile drawer */
    .mobile-nav {
      position: fixed; inset: 0; z-index: 200; background: var(--cream);
      display: flex; flex-direction: column; padding: 24px var(--container-pad);
      transform: translateY(-100%); transition: transform .3s ease; visibility: hidden;
    }
    .mobile-nav.is-open { transform: translateY(0); visibility: visible; }
    .mobile-nav__top { display: flex; justify-content: space-between; align-items: center; }
    .mobile-nav__links { display: flex; flex-direction: column; gap: 6px; margin-top: 40px; }
    .mobile-nav__links a {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: 34px; color: var(--black); padding: 10px 0; border-bottom: 1px solid var(--line-cream);
    }
    .mobile-nav__cta { margin-top: auto; padding-top: 28px; display: grid; gap: 12px; }

    /* ───────── HERO ───────── */
    .hero { padding: clamp(48px, 7vw, 96px) 0 clamp(60px, 8vw, 110px); position: relative; background: linear-gradient(180deg, var(--cream) 0%, var(--cream-warm) 100%); }
    .hero__grid {
      display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px; align-items: center;
    }
    .hero h1 {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: var(--fs-hero); line-height: 0.92; letter-spacing: -0.02em;
      color: var(--black); margin: 22px 0 0; text-wrap: balance;
    }
    .hero__p {
      font-style: italic; font-weight: 500; font-size: clamp(18px, 2vw, 22px);
      line-height: 1.5; color: var(--gold-dark); margin: 26px 0 0; max-width: 540px;
    }
    .hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

    .hero__right { position: relative; }
    .hero__brand {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: clamp(90px, 16vw, 220px); line-height: 0.82; letter-spacing: -0.03em;
      color: #ecdcc2; user-select: none; pointer-events: none;
      text-align: right;
    }
    .hero__card {
      background: #fff; border-radius: var(--radius-card); box-shadow: var(--shadow-card);
      padding: 28px; max-width: 360px; margin: -70px 0 0 auto; position: relative; z-index: 2;
      border: 1px solid var(--line-cream);
    }
    .hero__card-title {
      font-family: var(--font-display); font-style: italic; font-weight: 700;
      font-size: 22px; line-height: 1.1; color: var(--teal); margin: 0;
    }
    .photo-ph {
      background: repeating-linear-gradient(45deg, var(--cream-warm), var(--cream-warm) 12px, #efe2cd 12px, #efe2cd 24px);
      border-radius: var(--radius-sm); display: grid; place-items: center; text-align: center;
      color: var(--gold-dark); font-style: italic; font-size: 13px; padding: 14px;
    }

    /* Mini form (hero) */
    .mini-form { margin-top: 16px; }
    .mini-form__row { display: flex; gap: 8px; }
    input, textarea {
      font-family: var(--font-body); font-style: italic; font-size: 15px;
      width: 100%; padding: 12px 14px; border: 1px solid var(--line-input);
      border-radius: var(--radius-sm); background: #fff; color: var(--black);
    }
    input:focus, textarea:focus { outline: 2px solid var(--teal); outline-offset: 1px; border-color: var(--teal); }
    .mini-form .btn { padding: 12px 20px; font-size: 15px; }

    /* ───────── STRIP BANCOS ───────── */
    .banks { padding: 30px 0; border-block: 1px solid var(--line-cream); }
    .banks__inner { display: flex; align-items: center; gap: 44px; }
    .banks__label {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: clamp(20px, 2.4vw, 30px); line-height: 1.05; color: var(--black); flex: none;
    }
    .banks__logos { display: flex; gap: 30px 44px; flex: 1; justify-content: space-between; flex-wrap: wrap; }
    .banks__logos span {
      font-family: var(--font-display); font-weight: 700; font-style: italic; font-size: 16px;
      color: #a99670; letter-spacing: 0.04em;
    }

    /* ───────── HIPOTECAS ───────── */
    .mortgages { padding: clamp(70px, 9vw, 120px) 0; background: var(--white); }
    .mortgages__head {
      display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: end; margin-bottom: 64px;
    }
    .mortgages__lead {
      font-style: italic; font-weight: 500; font-size: clamp(18px, 2vw, 22px); line-height: 1.5;
      color: var(--gold-dark);
    }
    .mortgages__grid {
      display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 24px; align-items: stretch;
    }
    .featured-card {
      grid-row: span 2; background: var(--teal); color: #fff; border-radius: var(--radius-card);
      padding: 40px; display: flex; flex-direction: column; justify-content: space-between;
      min-height: 360px; box-shadow: var(--shadow-card);
    }
    .featured-card .tag {
      font-style: normal; font-weight: 700; font-size: 12px; letter-spacing: 0.18em;
      text-transform: uppercase; color: var(--gold-light);
    }
    .featured-card h3 {
      font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 42px;
      line-height: 1.02; margin: 80px 0 0;
    }
    .featured-card p { font-style: italic; font-weight: 500; font-size: 17px; line-height: 1.5; color: rgba(255,255,255,0.85); margin: 14px 0 0; max-width: 380px; }
    .featured-card p b { color: var(--gold-light); font-weight: 700; }
    .featured-card a { margin-top: 26px; font-family: var(--font-display); font-style: italic; font-weight: 700; color: #fff; display: inline-flex; gap: 8px; }
    .featured-card a:hover { color: var(--gold-light); }

    .m-card {
      background: var(--cream); border: 1px solid var(--line-cream); border-radius: var(--radius-card);
      padding: 30px; display: flex; flex-direction: column; gap: 14px;
      transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
    }
    .m-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); background: #fff; }
    .m-card__icon { width: 44px; height: 44px; border-radius: 11px; background: var(--cream-warm); display: grid; place-items: center; color: var(--teal); }
    .m-card__icon svg { width: 22px; height: 22px; }
    .m-card h4 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 24px; color: var(--black); margin: 0; }
    .m-card p { font-style: italic; font-weight: 500; font-size: 16px; color: var(--gold-dark); margin: 0; }

    /* ───────── HIPOTECA JOVEN ───────── */
    .young { padding: clamp(70px, 9vw, 120px) 0; background: var(--cream-warm); }
    .young__grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 64px; align-items: start; }
    .young__main h3 {
      font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: clamp(22px, 2.6vw, 30px);
      color: var(--teal); margin: 36px 0 12px; letter-spacing: -0.01em;
    }
    .young__lead {
      font-style: italic; font-weight: 500; font-size: clamp(18px, 2.1vw, 23px); line-height: 1.5;
      color: var(--gold-dark); margin: 22px 0 0;
    }
    .young__main p { font-style: italic; font-weight: 500; font-size: 17px; line-height: 1.6; color: var(--gold-dark); margin: 0 0 14px; }
    .young__main strong { color: var(--black); font-weight: 700; font-style: italic; }
    .young__list { margin: 8px 0 18px; padding: 0; list-style: none; }
    .young__list li {
      position: relative; padding: 8px 0 8px 30px; font-style: italic; font-weight: 500; font-size: 17px;
      line-height: 1.5; color: var(--gold-dark); border-bottom: 1px solid var(--line-cream);
    }
    .young__list li::before {
      content: ""; position: absolute; left: 4px; top: 16px; width: 9px; height: 9px;
      background: var(--teal); border-radius: 2px; transform: rotate(45deg);
    }
    .young__note {
      background: #fff; border-left: 3px solid var(--gold); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
      padding: 16px 20px; font-size: 16px !important; margin-top: 8px;
    }
    .young__aside { position: sticky; top: 96px; }
    .young__card {
      background: var(--teal-deep); color: #fff; border-radius: var(--radius-card); padding: 36px 34px;
      box-shadow: var(--shadow-card);
    }
    .young__card-eyebrow {
      font-style: normal; font-weight: 700; font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase;
      color: var(--gold-light); margin: 0 0 22px;
    }
    .young__facts { list-style: none; margin: 0; padding: 0; display: grid; gap: 22px; }
    .young__facts li { display: flex; align-items: baseline; gap: 16px; border-bottom: 1px solid rgba(255,255,255,0.14); padding-bottom: 18px; }
    .young__facts li:last-child { border-bottom: 0; padding-bottom: 0; }
    .young__facts .num {
      font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 44px; line-height: 1;
      color: var(--gold-light); flex: none; min-width: 92px;
    }
    .young__facts .lbl { font-style: italic; font-weight: 500; font-size: 15px; line-height: 1.35; color: rgba(255,255,255,0.82); }
    .young__card-foot { font-style: italic; font-weight: 600; font-size: 15px; color: var(--gold-light); margin: 24px 0 0; }

    /* ───────── 3 RAZONES ───────── */
    .reasons { padding: clamp(70px, 9vw, 120px) 0; background: var(--white); }
    .reasons h2 {
      font-family: var(--font-display); font-style: italic; font-weight: 800;
      font-size: var(--fs-statement-sm); line-height: 0.98; letter-spacing: -0.02em;
      color: var(--black); margin: 16px 0 56px; max-width: 760px; text-wrap: balance;
    }
    .reasons__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }
    .reason {
      background: var(--cream); border-radius: var(--radius-card); padding: 44px 36px;
      position: relative; min-height: 280px; display: flex; flex-direction: column;
    }
    .reason__n { font-style: normal; font-weight: 700; font-size: 13px; letter-spacing: 0.2em; color: var(--gold); }
    .reason h3 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 30px; color: var(--teal); margin: 14px 0 18px; }
    .reason p { font-style: italic; font-weight: 500; font-size: 18px; line-height: 1.5; color: var(--gold-dark); margin: 0; }
    .reason__mark {
      margin-top: auto; padding-top: 24px; align-self: flex-end;
      font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 15px; color: var(--gold-light);
    }

    /* ───────── OTROS SERVICIOS ───────── */
    .others { padding: clamp(70px, 9vw, 120px) 0; }
    .others__list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 60px; border-top: 1.5px solid var(--gold); }
    .others__item { padding: 40px 36px 40px 0; border-bottom: 1.5px solid var(--line-cream); }
    .others__item .n { font-style: normal; font-weight: 700; font-size: 13px; letter-spacing: 0.2em; color: var(--gold); }
    .others__item h3 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 28px; color: var(--black); margin: 14px 0 12px; }
    .others__item p { font-style: italic; font-weight: 500; font-size: 16px; color: var(--gold-dark); margin: 0; }

    /* ───────── PROCESO (oscuro) ───────── */
    .process { padding: clamp(70px, 9vw, 120px) 0; background: var(--teal-deep); color: #fff; }
    .process__grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 80px; align-items: start; }
    .process__head { position: sticky; top: 90px; }
    .process__head .eyebrow { color: var(--gold); }
    .process__head h2 {
      font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: clamp(48px, 7vw, 84px);
      line-height: 0.95; color: #fff; margin: 18px 0 22px;
    }
    .process__head h2 span { color: var(--gold); }
    .process__head p { font-style: italic; font-weight: 500; font-size: 18px; line-height: 1.5; color: rgba(255,255,255,0.75); max-width: 360px; }
    .step { padding: 34px 0; border-bottom: 1px solid rgba(255,255,255,0.16); display: grid; grid-template-columns: auto 1fr; gap: 28px; align-items: baseline; }
    .step:first-child { border-top: 1px solid rgba(255,255,255,0.16); }
    .step__n { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 34px; color: var(--gold); }
    .step h3 { font-family: var(--font-display); font-style: italic; font-weight: 700; font-size: 26px; color: #fff; margin: 0 0 8px; }
    .step p { font-style: italic; font-weight: 500; font-size: 16px; color: rgba(255,255,255,0.72); margin: 0; }

    /* ───────── TESTIMONIO ───────── */
    .testi { padding: clamp(70px, 9vw, 120px) 0; }
    .testi__grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; align-items: center; }
    .testi blockquote {
      font-family: var(--font-display); font-style: italic; font-weight: 600;
      font-size: clamp(26px, 3.4vw, 44px); line-height: 1.18; color: var(--gold-dark);
      margin: 0; max-width: 720px; letter-spacing: -0.01em;
    }
    .testi blockquote .hl { color: var(--teal); }
    .testi__author { margin-top: 28px; display: flex; align-items: center; gap: 14px; }
    .testi__author .avatar { width: 52px; height: 52px; border-radius: 50%; background: var(--cream-warm); border: 1px solid var(--line-cream); }
    .testi__author span { font-style: italic; font-weight: 700; font-size: 16px; color: var(--black); }
    .stats { display: flex; gap: 40px; flex-wrap: wrap; }
    .stat .num { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: var(--fs-stat); color: var(--teal); line-height: 1; }
    .stat .lbl { font-style: normal; font-size: 13px; color: var(--gold); margin-top: 6px; letter-spacing: 0.1em; text-transform: uppercase; }

    /* ───────── FAQ ───────── */
    .faq { padding: clamp(70px, 9vw, 120px) 0; background: var(--white); }
    .faq__grid { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 64px; align-items: start; }
    .faq h2 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: var(--fs-statement-sm); line-height: 0.98; color: var(--black); margin: 16px 0 0; }
    .faq__list { border-top: 1px solid var(--line-cream); }
    .faq__item { border-bottom: 1px solid var(--line-cream); }
    .faq__q {
      width: 100%; text-align: left; background: none; border: 0; padding: 26px 0;
      display: flex; align-items: center; justify-content: space-between; gap: 20px;
      font-family: var(--font-display); font-style: italic; font-weight: 700; font-size: clamp(19px, 2.2vw, 24px);
      color: var(--black);
    }
    .faq__q:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
    .faq__q .chev { flex: none; transition: transform .25s ease; color: var(--teal); }
    .faq__q[aria-expanded="true"] .chev { transform: rotate(180deg); }
    .faq__a { overflow: hidden; max-height: 0; transition: max-height .3s ease; }
    .faq__a p { font-family: var(--font-long); font-style: normal; font-weight: 400; font-size: 17px; line-height: 1.6; color: var(--black); margin: 0 0 26px; max-width: 640px; }
    @media (prefers-reduced-motion: reduce) { .faq__a { transition: none; } }

    /* ───────── CTA BANNER ───────── */
    .cta-banner { padding: clamp(70px, 9vw, 100px) 0; background: var(--cream); border-block: 1.5px solid var(--gold); text-align: center; }
    .cta-banner h2 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: clamp(48px, 8vw, 96px); line-height: 0.94; color: var(--black); margin: 0; max-width: 980px; margin-inline: auto; }
    .cta-banner p { font-style: italic; font-weight: 500; font-size: clamp(18px, 2.2vw, 24px); line-height: 1.4; color: var(--gold-dark); margin: 28px auto 40px; max-width: 640px; }
    .cta-banner__btns { display: inline-flex; gap: 14px; flex-wrap: wrap; justify-content: center; }

    /* ───────── FORM SECTION ───────── */
    .lead-section { padding: clamp(70px, 9vw, 110px) 0; background: var(--teal-deep); color: #fff; }
    .lead-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
    .lead-grid h2 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: var(--fs-statement-sm); line-height: 0.98; color: #fff; margin: 16px 0 18px; }
    .lead-grid > div > p { font-style: italic; font-weight: 500; font-size: 18px; line-height: 1.5; color: rgba(255,255,255,0.78); max-width: 420px; }
    .lead-grid .eyebrow { color: var(--gold-light); }
    .form-card { background: #fff; border-radius: var(--radius-card); padding: 34px; box-shadow: var(--shadow-card); }
    .field { margin-bottom: 16px; }
    .field label { display: block; font-style: normal; font-weight: 600; font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--gold-dark); margin-bottom: 7px; }
    .field .req { color: var(--teal); }
    .consent { display: flex; gap: 10px; align-items: flex-start; margin: 6px 0 18px; font-family: var(--font-long); font-style: normal; font-weight: 400; font-size: 13px; line-height: 1.5; color: var(--black); }
    .consent input { width: auto; margin-top: 3px; flex: none; }
    .consent a { color: var(--teal); text-decoration: underline; }
    .form-card .btn { width: 100%; justify-content: center; }
    .form-actions { display: grid; gap: 10px; }
    .field-error { color: #c0392b; font-style: normal; font-family: var(--font-long); font-size: 12px; margin-top: 5px; display: none; }
    .field.has-error input { border-color: #c0392b; }
    .field.has-error .field-error { display: block; }
    .form-status { margin-top: 14px; font-style: italic; font-weight: 600; font-size: 15px; display: none; padding: 12px 14px; border-radius: var(--radius-sm); }
    .form-status.is-success { display: block; background: #e8f3ec; color: #1d7a44; }
    .form-status.is-error { display: block; background: #fbeae8; color: #c0392b; }
    .form-status.is-sending { display: block; background: var(--cream); color: var(--gold-dark); }

    /* ───────── FOOTER ───────── */
    .site-footer { background: var(--black); color: rgba(255,255,255,0.7); padding: 80px 0 40px; }
    .footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; }
    .footer__about p { font-family: var(--font-long); font-style: normal; font-weight: 300; font-size: 15px; line-height: 1.6; color: rgba(255,255,255,0.6); margin: 20px 0 0; max-width: 320px; }
    .footer__col h4 { font-style: normal; font-weight: 700; font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-light); margin: 0 0 18px; }
    .footer__col a { display: block; font-style: italic; font-weight: 500; font-size: 16px; color: rgba(255,255,255,0.72); padding: 6px 0; }
    .footer__col a:hover { color: #fff; }
    .footer__bottom { margin-top: 56px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.12); display: flex; flex-wrap: wrap; gap: 16px; justify-content: space-between; align-items: center; }
    .footer__bottom small { font-family: var(--font-long); font-style: normal; font-weight: 300; font-size: 13px; color: rgba(255,255,255,0.5); }
    .footer__legal { display: flex; gap: 22px; }
    .footer__legal a { font-family: var(--font-long); font-style: normal; font-size: 13px; color: rgba(255,255,255,0.55); }
    .footer__legal a:hover { color: #fff; }

    /* WhatsApp floating button */
    .wa-float {
      position: fixed; right: 22px; bottom: 22px; z-index: 90;
      width: 58px; height: 58px; border-radius: 50%; background: #25d366; color: #fff;
      display: grid; place-items: center; box-shadow: 0 10px 30px rgba(0,0,0,0.25);
      transition: transform .2s ease;
    }
    .wa-float:hover { transform: scale(1.08); }
    .wa-float svg { width: 30px; height: 30px; }

    /* Scroll reveal */
    .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
    .reveal.is-in { opacity: 1; transform: none; }
    @media (prefers-reduced-motion: reduce) {
      .reveal { opacity: 1; transform: none; transition: none; }
      .btn, .m-card, .wa-float { transition: none; }
    }

    /* ───────── RESPONSIVE ───────── */
    @media (max-width: 1024px) {
      :root { --container-pad: 40px; }
      .nav, .header__actions .lang, .header__actions .btn { display: none; }
      .hamburger { display: inline-flex; }
      .hero__grid { grid-template-columns: 1fr; gap: 8px; }
      .hero__brand { text-align: left; font-size: clamp(80px, 22vw, 160px); }
      .hero__card { margin: 24px 0 0; max-width: 100%; }
      .mortgages__head { grid-template-columns: 1fr; gap: 24px; }
      .mortgages__grid { grid-template-columns: 1fr 1fr; }
      .featured-card { grid-column: span 2; grid-row: auto; min-height: 0; }
      .featured-card h3 { margin-top: 24px; }
      .young__grid { grid-template-columns: 1fr; gap: 36px; }
      .young__aside { position: static; }
      .reasons__grid { grid-template-columns: 1fr; gap: 24px; }
      .others__list { grid-template-columns: 1fr; }
      .others__item { padding: 32px 0; }
      .process__grid { grid-template-columns: 1fr; gap: 40px; }
      .process__head { position: static; }
      .testi__grid { grid-template-columns: 1fr; gap: 40px; }
      .faq__grid { grid-template-columns: 1fr; gap: 28px; }
      .lead-grid { grid-template-columns: 1fr; gap: 36px; }
      .banks__inner { flex-direction: column; align-items: flex-start; gap: 22px; }
      .footer__grid { grid-template-columns: 1fr 1fr; gap: 36px; }
      .footer__about { grid-column: span 2; }
    }
    @media (max-width: 600px) {
      :root { --container-pad: 22px; }
      .mortgages__grid { grid-template-columns: 1fr; }
      .featured-card { grid-column: auto; }
      .mini-form__row { flex-direction: column; }
      .hero__cta { flex-direction: column; align-items: stretch; }
      .hero__cta .btn { justify-content: center; }
      .cta-banner__btns { flex-direction: column; align-items: stretch; width: 100%; }
      .cta-banner__btns .btn { justify-content: center; }
      .stats { gap: 28px; }
      .step { grid-template-columns: auto 1fr; gap: 18px; }
      .footer__grid { grid-template-columns: 1fr; }
      .footer__about { grid-column: auto; }
      .footer__bottom { flex-direction: column; align-items: flex-start; }
    }

    /* ───────── Páginas dedicadas: breadcrumb, tablas, prosa ───────── */
    .breadcrumb { padding: 18px 0 0; }
    .breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 0; font-style: normal; font-size: 13px; letter-spacing: .04em; color: var(--gold-dark); }
    .breadcrumb li { display: flex; gap: 8px; align-items: center; }
    .breadcrumb li + li::before { content: "/"; color: var(--gold); }
    .breadcrumb a { color: var(--teal); font-weight: 600; }
    .breadcrumb [aria-current] { color: var(--gold-dark); }

    .prose { padding: clamp(56px, 7vw, 96px) 0; }
    .prose--cream { background: var(--cream-warm); }
    .prose--white { background: var(--white); }
    .prose__inner { max-width: 760px; }
    .prose__inner.wide { max-width: var(--container-max); }
    .prose h2 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: clamp(30px,4.4vw,52px); line-height: .98; letter-spacing: -.02em; color: var(--black); margin: 0 0 8px; text-wrap: balance; }
    .prose h3 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: clamp(22px,2.6vw,30px); color: var(--teal); margin: 34px 0 12px; }
    .prose p { font-style: italic; font-weight: 500; font-size: clamp(17px,1.9vw,19px); line-height: 1.6; color: var(--gold-dark); margin: 0 0 16px; }
    .prose strong { color: var(--black); font-weight: 700; font-style: italic; }
    .prose .lead { font-size: clamp(19px,2.2vw,24px); color: var(--gold-dark); margin: 18px 0 0; }
    .prose ul.ticks { list-style: none; margin: 8px 0 18px; padding: 0; }
    .prose ul.ticks li { position: relative; padding: 9px 0 9px 32px; font-style: italic; font-weight: 500; font-size: 17px; line-height: 1.5; color: var(--gold-dark); border-bottom: 1px solid var(--line-cream); }
    .prose ul.ticks li::before { content: ""; position: absolute; left: 4px; top: 17px; width: 9px; height: 9px; background: var(--teal); border-radius: 2px; transform: rotate(45deg); }
    .note-box { background: #fff; border-left: 3px solid var(--gold); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 16px 20px; }
    .note-box p { font-size: 16px !important; margin: 0; }

    /* Tabla de financiación */
    .ftable { width: 100%; border-collapse: collapse; margin: 16px 0 8px; font-style: normal; }
    .ftable th, .ftable td { border: 1px solid var(--line-cream); padding: 14px 16px; text-align: left; }
    .ftable th { background: var(--teal-deep); color: #fff; font-family: var(--font-display); font-style: italic; font-weight: 700; font-size: 17px; }
    .ftable td { font-family: var(--font-long); font-size: 15px; color: var(--black); background: #fff; }
    .ftable td:first-child { font-weight: 600; }
    .ftable .big { font-family: var(--font-display); font-style: italic; font-weight: 800; color: var(--teal); font-size: 22px; }

    /* Grid de tarjetas genérico (2-3 col) */
    .cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 36px; }
    .cards-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 36px; }

    /* Comparativa antes / después */
    .ba { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 36px; }
    .ba__col { border-radius: var(--radius-card); padding: 32px; }
    .ba__before { background: #fff; border: 1px solid var(--line-cream); }
    .ba__after { background: var(--teal); color: #fff; box-shadow: var(--shadow-card); }
    .ba__col h4 { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 22px; margin: 0 0 16px; }
    .ba__before h4 { color: var(--gold-dark); }
    .ba__after h4 { color: var(--gold-light); }
    .ba__row { display: flex; justify-content: space-between; gap: 14px; padding: 10px 0; border-bottom: 1px solid; font-style: italic; font-weight: 500; }
    .ba__before .ba__row { border-color: var(--line-cream); color: var(--gold-dark); }
    .ba__after .ba__row { border-color: rgba(255,255,255,.16); color: rgba(255,255,255,.9); }
    .ba__row b { font-weight: 700; }
    .ba__big { font-family: var(--font-display); font-style: italic; font-weight: 800; font-size: 40px; margin-top: 14px; }
    .ba__before .ba__big { color: var(--black); }
    .ba__after .ba__big { color: #fff; }

    @media (max-width: 768px) {
      .cards-3, .cards-2, .ba { grid-template-columns: 1fr; }
    }