:root {
  --primary: #1e40af;
  --primary-dark: #1e3a8a;
  --primary-light: #eff6ff;
  --secondary: #1e293b;
  --accent: #16a34a;
  --warning: #f97316;
  --red: #dc2626;
  --bg: #f8fafc;
  --white: #ffffff;
  --text: #374151;
  --text-light: #64748b;
  --border: #e2e8f0;
  --radius: 12px;
  --shadow: 0 2px 12px rgba(0,0,0,0.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}

/* LANG BAR */
.lang-bar{background:var(--secondary);padding:5px 24px;display:flex;justify-content:flex-end;align-items:center;gap:6px}
.lang-btn{padding:3px 10px;border-radius:4px;font-size:11px;font-weight:700;cursor:pointer;color:#94a3b8;border:1px solid transparent;text-decoration:none}
.lang-btn:hover,.lang-btn.active{background:var(--primary);color:white;text-decoration:none}

/* HEADER */
header{background:var(--primary);color:white;box-shadow:0 2px 8px rgba(0,0,0,0.15)}
.header-inner{max-width:1100px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.logo{font-size:22px;font-weight:900;letter-spacing:-0.5px;color:white;text-decoration:none}
.logo span{color:#93c5fd}
.logo small{font-size:11px;font-weight:400;opacity:0.7;display:block;margin-top:-4px}
nav{display:flex;gap:20px;flex-wrap:wrap}
nav a{color:rgba(255,255,255,0.8);font-size:14px;font-weight:500;text-decoration:none;transition:color .2s}
nav a:hover,nav a.active{color:white;font-weight:600;text-decoration:none}

/* BREADCRUMB */
.breadcrumb{background:white;border-bottom:1px solid var(--border);padding:10px 0}
.breadcrumb-inner{max-width:1100px;margin:0 auto;padding:0 24px;font-size:13px;color:var(--text-light)}
.breadcrumb a{color:var(--primary)}
.breadcrumb span{margin:0 6px}

/* AD BANNER */
.ad-banner{background:#f1f5f9;border-top:1px solid var(--border);border-bottom:1px solid var(--border);text-align:center;padding:12px;min-height:90px;display:flex;align-items:center;justify-content:center}
.ad-responsive{display:block;width:100%;min-height:90px}

/* HERO */
.hero{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);color:white;padding:48px 24px;text-align:center}
.hero h1{font-size:clamp(24px,4vw,42px);font-weight:900;line-height:1.2;margin-bottom:12px}
.hero p{font-size:16px;opacity:.85;max-width:580px;margin:0 auto}

/* CALC STRIP (used in article pages) */
.calc-strip{background:var(--primary-dark);color:white;padding:14px 24px;border-bottom:3px solid var(--primary)}
.calc-strip-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.calc-strip h3{font-size:14px;font-weight:700;flex-shrink:0;white-space:nowrap}
.mini-inputs{display:flex;gap:8px;flex:1;flex-wrap:wrap;align-items:flex-end}
.mini-field{display:flex;flex-direction:column}
.mini-field label{font-size:10px;opacity:.7;margin-bottom:3px}
.mini-field input{padding:6px 10px;border-radius:6px;border:none;font-size:13px;font-weight:700;width:100px;color:var(--secondary)}
.mini-result{background:rgba(255,255,255,.15);border-radius:8px;padding:8px 16px;text-align:center;flex-shrink:0}
.mini-result .lbl{font-size:10px;opacity:.7;display:block}
.mini-result .val{font-size:22px;font-weight:900;display:block}
.mini-btn{padding:8px 18px;background:#22c55e;border:none;border-radius:8px;color:white;font-weight:700;font-size:13px;cursor:pointer;white-space:nowrap;flex-shrink:0}
.mini-btn:hover{background:#16a34a}

/* MAIN LAYOUT */
.page-wrap{max-width:1100px;margin:0 auto;padding:32px 24px;display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start}
.page-wrap.full{grid-template-columns:1fr}
.main-col{min-width:0}

/* CARD */
.card{background:white;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);margin-bottom:24px}
.card:last-child{margin-bottom:0}
.card-title{font-size:20px;font-weight:800;color:var(--secondary);margin-bottom:20px;display:flex;align-items:center;gap:8px}

/* CALCULATOR FORM */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.field label{display:block;font-size:11px;font-weight:700;color:var(--text-light);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.input-wrap{position:relative}
.prefix{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--text-light);font-weight:700;font-size:15px;pointer-events:none}
.input-wrap input[type="number"]{width:100%;padding:12px 12px 12px 28px;border:2px solid var(--border);border-radius:10px;font-size:16px;font-weight:700;outline:none;transition:border-color .2s;color:var(--secondary)}
.input-wrap input[type="number"]:focus{border-color:var(--primary)}
.input-wrap input.no-prefix{padding-left:12px}
.suffix{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:#94a3b8;font-size:12px;pointer-events:none}
.chip-row{display:flex;gap:6px;margin-top:8px;flex-wrap:wrap}
.chip{flex:1;min-width:40px;padding:6px 4px;border:2px solid var(--border);background:white;border-radius:8px;font-size:12px;font-weight:700;cursor:pointer;text-align:center;transition:all .2s;color:var(--text)}
.chip:hover{border-color:var(--primary);color:var(--primary)}
.chip.on{background:var(--primary);color:white;border-color:var(--primary)}
.calc-btn{width:100%;padding:14px;background:var(--primary);color:white;border:none;border-radius:var(--radius);font-size:16px;font-weight:800;cursor:pointer;transition:background .2s;letter-spacing:.2px}
.calc-btn:hover{background:var(--primary-dark)}

/* RESULTS */
.result-main{background:linear-gradient(135deg,var(--primary-dark),var(--primary));color:white;border-radius:var(--radius);padding:22px;text-align:center;margin-bottom:16px}
.result-main .lbl{font-size:12px;opacity:.75;margin-bottom:4px}
.result-main .big{font-size:54px;font-weight:900;letter-spacing:-2px;line-height:1}
.result-main .sub{font-size:12px;opacity:.65;margin-top:6px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;margin-bottom:16px}
.result-item{padding:14px;border-right:1px solid var(--border);border-bottom:1px solid var(--border)}
.result-item:nth-child(even){border-right:none}
.result-item:nth-last-child(-n+2){border-bottom:none}
.result-item .rl{font-size:11px;color:var(--text-light);text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.result-item .rv{font-size:20px;font-weight:800;color:var(--secondary)}
.rv.red{color:var(--red)}
.rv.green{color:var(--accent)}

/* PIE CHART */
.chart-row{display:flex;align-items:center;gap:20px;padding:16px;background:var(--bg);border-radius:var(--radius);margin-bottom:16px}
.pie{width:80px;height:80px;border-radius:50%;flex-shrink:0}
.chart-legend{flex:1}
.legend-item{display:flex;align-items:center;gap:8px;font-size:13px;margin-bottom:6px}
.dot{width:10px;height:10px;border-radius:50%;flex-shrink:0}

/* AMORTIZATION TABLE */
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--border)}
table{width:100%;border-collapse:collapse;font-size:13px}
th{background:var(--secondary);color:white;padding:10px 12px;text-align:left;font-size:11px;letter-spacing:.5px;white-space:nowrap}
td{padding:9px 12px;border-bottom:1px solid #f1f5f9;white-space:nowrap}
tr:last-child td{border-bottom:none}
tr:hover td{background:var(--bg)}
.bar{height:4px;border-radius:2px;margin-top:3px}
.show-more{display:block;text-align:center;padding:12px;color:var(--primary);font-size:13px;font-weight:700;cursor:pointer;border:none;background:none;width:100%;border-top:1px solid var(--border)}

/* BLOG GRID */
.section-hd{margin-bottom:24px}
.section-hd h2{font-size:24px;font-weight:800;color:var(--secondary);margin-bottom:4px}
.section-hd p{font-size:14px;color:var(--text-light)}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:24px}
.blog-card{background:white;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.blog-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,0.12)}
.blog-card a{text-decoration:none;color:inherit;display:block}
.blog-thumb{height:120px;display:flex;align-items:center;justify-content:center;font-size:36px}
.blog-body{padding:16px}
.blog-cat{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-bottom:6px}
.blog-title{font-size:14px;font-weight:700;line-height:1.4;margin-bottom:8px;color:var(--secondary)}
.blog-meta{font-size:11px;color:#94a3b8;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.lang-tag{font-size:10px;font-weight:700;padding:2px 6px;border-radius:4px}

/* ARTICLE */
.article-header{margin-bottom:28px}
.article-cat{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--primary);margin-bottom:8px}
.article-h1{font-size:clamp(22px,3vw,36px);font-weight:900;line-height:1.25;color:var(--secondary);margin-bottom:12px}
.article-meta{font-size:12px;color:#94a3b8;display:flex;gap:16px;align-items:center;flex-wrap:wrap;padding-bottom:20px;border-bottom:2px solid var(--border)}
.article-body p{font-size:15px;line-height:1.85;color:var(--text);margin-bottom:18px}
.article-body h2{font-size:22px;font-weight:800;color:var(--secondary);margin:32px 0 14px;padding-top:8px}
.article-body h3{font-size:18px;font-weight:700;color:var(--secondary);margin:24px 0 10px}
.article-body ul,.article-body ol{padding-left:22px;margin-bottom:18px}
.article-body li{font-size:15px;line-height:1.8;color:var(--text);margin-bottom:6px}
.article-body strong{color:var(--secondary)}
.article-body blockquote{border-left:4px solid var(--primary);padding:12px 20px;background:var(--primary-light);border-radius:0 8px 8px 0;margin:20px 0}
.article-body blockquote p{margin-bottom:0;font-style:italic;color:var(--primary-dark)}
.cta-box{background:var(--primary-light);border:2px solid var(--primary);border-radius:var(--radius);padding:20px;text-align:center;margin:28px 0}
.cta-box h3{font-size:16px;font-weight:800;color:var(--primary-dark);margin-bottom:6px}
.cta-box p{font-size:13px;color:var(--text-light);margin-bottom:14px}
.cta-btn{display:inline-block;padding:12px 28px;background:var(--primary);color:white;border-radius:10px;font-weight:700;font-size:14px;text-decoration:none;transition:background .2s}
.cta-btn:hover{background:var(--primary-dark);text-decoration:none;color:white}
.key-stat{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin:20px 0}
.stat-box{background:var(--bg);border-radius:10px;padding:14px;text-align:center;border:1px solid var(--border)}
.stat-box .sv{font-size:24px;font-weight:900;color:var(--primary)}
.stat-box .sl{font-size:11px;color:var(--text-light);margin-top:2px}

/* FAQ */
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq-q{padding:14px 18px;font-weight:700;font-size:14px;background:white;cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.faq-q::after{content:'+';font-size:18px;color:var(--primary)}
.faq-a{padding:14px 18px;font-size:14px;color:var(--text);background:var(--bg);border-top:1px solid var(--border);line-height:1.7}

/* AD INLINE */
.ad-inline{background:#f1f5f9;border:1px solid var(--border);border-radius:8px;padding:12px;text-align:center;min-height:90px;display:flex;align-items:center;justify-content:center;margin:24px 0;font-size:11px;color:#94a3b8;letter-spacing:1px}

/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:20px}
.sidebar-card{background:white;border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.sidebar-card h4{font-size:13px;font-weight:700;color:var(--primary);margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid var(--primary-light)}
.sidebar-link{display:block;font-size:13px;color:var(--primary);padding:6px 0;border-bottom:1px solid #f1f5f9;text-decoration:none}
.sidebar-link:hover{color:var(--primary-dark);text-decoration:underline}
.sidebar-link:last-child{border-bottom:none}
.rate-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid #f1f5f9;font-size:13px}
.rate-row:last-child{border-bottom:none}
.rate-row strong{color:var(--primary)}
.ad-sidebar{background:#f1f5f9;border:1px solid var(--border);border-radius:var(--radius);min-height:250px;display:flex;align-items:center;justify-content:center;font-size:11px;color:#94a3b8;letter-spacing:1px;text-align:center}

/* FOOTER */
footer{background:#0f172a;color:white;padding:48px 24px 24px;margin-top:48px}
.footer-inner{max-width:1100px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
.footer-logo{font-size:20px;font-weight:900;margin-bottom:10px}
.footer-logo span{color:#60a5fa}
.footer-desc{font-size:13px;color:#64748b;line-height:1.6}
.footer-col h5{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:#64748b;margin-bottom:14px}
.footer-col a{display:block;font-size:13px;color:#94a3b8;text-decoration:none;margin-bottom:7px;transition:color .2s}
.footer-col a:hover{color:white;text-decoration:none}
.footer-bottom{border-top:1px solid #1e293b;padding-top:20px;display:flex;justify-content:space-between;align-items:center;font-size:12px;color:#475569;flex-wrap:wrap;gap:8px}
.footer-disclaimer{font-size:11px;color:#475569;margin-top:16px;padding-top:16px;border-top:1px solid #1e293b;line-height:1.6}

/* STATIC PAGES (About, Privacy, Contact) */
.static-content{max-width:800px}
.static-content h1{font-size:32px;font-weight:900;color:var(--secondary);margin-bottom:8px}
.static-content .last-updated{font-size:12px;color:#94a3b8;margin-bottom:32px}
.static-content h2{font-size:20px;font-weight:700;color:var(--secondary);margin:28px 0 10px}
.static-content p{font-size:15px;line-height:1.8;color:var(--text);margin-bottom:14px}
.static-content ul{padding-left:20px;margin-bottom:14px}
.static-content li{font-size:15px;line-height:1.8;color:var(--text);margin-bottom:4px}
.contact-form .field{margin-bottom:16px}
.contact-form label{display:block;font-size:13px;font-weight:600;color:var(--text);margin-bottom:6px}
.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:11px 14px;border:2px solid var(--border);border-radius:10px;font-size:14px;outline:none;font-family:inherit;transition:border-color .2s}
.contact-form input:focus,.contact-form textarea:focus{border-color:var(--primary)}
.contact-form textarea{height:120px;resize:vertical}
.submit-btn{padding:12px 32px;background:var(--primary);color:white;border:none;border-radius:10px;font-size:15px;font-weight:700;cursor:pointer;transition:background .2s}
.submit-btn:hover{background:var(--primary-dark)}

/* PAGINATION */
.pagination{display:flex;justify-content:center;gap:8px;margin-top:24px}
.page-btn{padding:8px 14px;border:2px solid var(--border);border-radius:8px;font-size:13px;font-weight:600;cursor:pointer;color:var(--text);background:white;text-decoration:none}
.page-btn.active,.page-btn:hover{background:var(--primary);color:white;border-color:var(--primary);text-decoration:none}

/* RESPONSIVE */
@media(max-width:900px){
  .page-wrap{grid-template-columns:1fr}
  .sidebar{display:none}
  .blog-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .form-grid{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr}
  .result-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .mini-inputs{display:none}
  .header-inner{padding:14px 16px}
  .page-wrap{padding:20px 16px}
}