/* =====================================================================
   SANDAOS — Hoja de estilos compartida
   -----------------------------------------------------------------
   IDENTIDAD VISUAL PROPIA (documentada aquí, no reutilizar marcas ajenas)

   Paleta:
     --color-ink        #20263B  Azul carbón cálido (texto, encabezados)
     --color-bg         #FAF6EF  Papel crudo (fondo general)
     --color-bg-alt     #F1EBDD  Papel más oscuro (secciones alternas)
     --color-accent     #C1592B  Terracota (acento principal, enlaces, CTA)
     --color-accent-2   #4F6D5A  Verde salvia (acento secundario, tags)
     --color-line        #DAD2C0  Línea/borde sutil
     --color-muted       #6B6558  Texto secundario

   Esta combinación (carbón + terracota + salvia sobre papel crudo) es
   una paleta original de Sandaos. No corresponde a los colores
   corporativos de ningún banco, tarjeta, entidad financiera o marca
   mencionada en el contenido editorial.

   Tipografía:
     Encabezados: "Fraunces" (serif editorial con carácter propio)
     Cuerpo:      "Inter" (sans de lectura, neutra)

   Iconografía: trazo lineal, 1.5px, esquinas redondeadas, dibujada a
   mano en SVG por Sandaos (grillas de matrices de pago, nodos de
   árboles de decisión, flechas de iteración). No se usan isotipos,
   glifos ni pictogramas de marcas reales.
   ===================================================================== */

:root{
  --color-ink:#20263B;
  --color-ink-soft:#3A4159;
  --color-bg:#FAF6EF;
  --color-bg-alt:#F1EBDD;
  --color-accent:#C1592B;
  --color-accent-dark:#9C4520;
  --color-accent-2:#4F6D5A;
  --color-line:#DAD2C0;
  --color-muted:#6B6558;
  --color-card:#FFFFFF;
  --radius:14px;
  --font-head:"Fraunces",Georgia,serif;
  --font-body:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --maxw:1120px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--color-ink);
  background:var(--color-bg);
  line-height:1.6;
  font-size:17px;
}
img{max-width:100%;display:block;}
a{color:var(--color-accent-dark);text-decoration:underline;text-decoration-color:var(--color-line);text-underline-offset:3px;}
a:hover{color:var(--color-accent);}
h1,h2,h3,h4{
  font-family:var(--font-head);
  color:var(--color-ink);
  line-height:1.15;
  margin:0 0 .5em;
  font-weight:600;
}
h1{font-size:clamp(2rem,4vw,3rem);}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem);}
h3{font-size:1.3rem;}
p{margin:0 0 1.1em;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.muted{color:var(--color-muted);}
.small{font-size:.9rem;}

/* ---------- Etiqueta de identidad en cabecera ---------- */
.site-tag{
  display:inline-flex;
  align-items:center;
  gap:.4em;
  font-size:.72rem;
  letter-spacing:.04em;
  text-transform:uppercase;
  color:var(--color-accent-2);
  background:rgba(79,109,90,.08);
  border:1px solid rgba(79,109,90,.25);
  border-radius:999px;
  padding:.3em .8em;
  font-weight:600;
  white-space:nowrap;
}

/* ---------- Header / navegación ---------- */
.site-header{
  border-bottom:1px solid var(--color-line);
  background:var(--color-bg);
  position:sticky;
  top:0;
  z-index:30;
}
.site-header .wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding-top:16px;
  padding-bottom:16px;
  flex-wrap:wrap;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
}
.brand-mark{width:38px;height:38px;flex:none;}
.brand-name{
  font-family:var(--font-head);
  font-size:1.5rem;
  font-weight:700;
  color:var(--color-ink);
  letter-spacing:-.01em;
}
.brand-col{display:flex;flex-direction:column;gap:6px;}
.main-nav{
  display:flex;
  gap:22px;
  align-items:center;
  flex-wrap:wrap;
}
.main-nav a{
  color:var(--color-ink-soft);
  text-decoration:none;
  font-weight:600;
  font-size:.96rem;
}
.main-nav a:hover{color:var(--color-accent);}

/* ---------- Aviso / exención de responsabilidad ---------- */
.disclaimer-top{
  background:var(--color-ink);
  color:#EFE9DA;
  font-size:.92rem;
}
.disclaimer-top .wrap{
  padding:12px 24px;
  display:flex;
  gap:12px;
  align-items:flex-start;
}
.disclaimer-top strong{color:#fff;}
.disclaimer-top .ico{flex:none;width:20px;height:20px;margin-top:2px;}

.disclaimer-box{
  border:1.5px solid var(--color-accent-2);
  background:rgba(79,109,90,.07);
  border-radius:var(--radius);
  padding:16px 18px;
  font-size:.92rem;
  color:var(--color-ink-soft);
  display:flex;
  gap:12px;
  margin:1.4em 0;
}
.disclaimer-box .ico{flex:none;width:22px;height:22px;color:var(--color-accent-2);}
.disclaimer-box p{margin:0;}
.disclaimer-box strong{color:var(--color-ink);}

/* ---------- Hero (Inicio) ---------- */
.hero{
  padding:64px 0 56px;
  background:
    radial-gradient(circle at 85% 10%, rgba(193,89,43,.10), transparent 55%),
    radial-gradient(circle at 5% 90%, rgba(79,109,90,.10), transparent 50%),
    var(--color-bg);
}
.hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center;}
.hero h1{margin-bottom:.5em;}
.hero .lede{font-size:1.15rem;color:var(--color-ink-soft);max-width:44ch;}
.hero-art{width:100%;height:auto;}
.what-not{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin-top:28px;
}
.what-not .card{
  background:var(--color-card);
  border:1px solid var(--color-line);
  border-radius:var(--radius);
  padding:16px 18px;
}
.what-not .card h4{font-size:.95rem;margin-bottom:.4em;display:flex;align-items:center;gap:8px;}
.what-not .card.yes h4{color:var(--color-accent-2);}
.what-not .card.no h4{color:var(--color-accent-dark);}
.what-not .card p{margin:0;font-size:.92rem;color:var(--color-ink-soft);}

/* ---------- Grid de artículos ---------- */
.section{padding:56px 0;}
.section.alt{background:var(--color-bg-alt);}
.section-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:28px;flex-wrap:wrap;}
.articles-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.article-card{
  background:var(--color-card);
  border:1px solid var(--color-line);
  border-radius:var(--radius);
  overflow:hidden;
  display:flex;
  flex-direction:column;
  text-decoration:none;
  color:var(--color-ink);
  transition:transform .15s ease, box-shadow .15s ease;
}
.article-card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(32,38,59,.09);}
.article-card .thumb{
  height:150px;
  background:linear-gradient(135deg,var(--color-ink) 0%, var(--color-accent-2) 100%);
  display:flex;align-items:center;justify-content:center;
}
.article-card .thumb svg{width:64px;height:64px;color:#fff;}
.article-card .body{padding:18px 20px 22px;flex:1;display:flex;flex-direction:column;}
.tag-pill{
  align-self:flex-start;
  font-size:.72rem;
  text-transform:uppercase;
  letter-spacing:.03em;
  font-weight:700;
  color:var(--color-accent-dark);
  background:rgba(193,89,43,.1);
  border-radius:999px;
  padding:.25em .7em;
  margin-bottom:.6em;
}
.article-card h3{margin-bottom:.4em;font-size:1.15rem;}
.article-card p{font-size:.92rem;color:var(--color-muted);margin-bottom:0;flex:1;}
.article-card .read-more{margin-top:14px;font-size:.85rem;font-weight:700;color:var(--color-accent);text-decoration:none;}

/* ---------- Artículo individual ---------- */
.article-hero{padding:48px 0 12px;}
.article-hero .tag-pill{margin-bottom:14px;}
.article-meta{color:var(--color-muted);font-size:.9rem;margin-top:6px;}
.article-body{max-width:720px;margin:0 auto;padding:8px 24px 64px;}
.article-body h2{margin-top:1.6em;}
.article-body blockquote{
  margin:1.6em 0;
  padding:14px 20px;
  border-left:4px solid var(--color-accent-2);
  background:var(--color-bg-alt);
  border-radius:0 10px 10px 0;
  font-style:italic;
  color:var(--color-ink-soft);
}
.payoff-matrix{
  border-collapse:collapse;
  margin:1.4em 0;
  width:100%;
  font-size:.95rem;
}
.payoff-matrix caption{
  text-align:left;
  font-size:.85rem;
  color:var(--color-muted);
  margin-bottom:8px;
  caption-side:top;
}
.payoff-matrix th,.payoff-matrix td{
  border:1px solid var(--color-line);
  padding:12px 14px;
  text-align:center;
}
.payoff-matrix th{background:var(--color-bg-alt);font-family:var(--font-head);font-weight:600;}
.payoff-matrix td.highlight{background:rgba(79,109,90,.12);font-weight:700;}
.sources{
  margin-top:2.4em;
  padding-top:1.4em;
  border-top:1px solid var(--color-line);
  font-size:.88rem;
  color:var(--color-muted);
}
.sources h3{font-size:1rem;color:var(--color-ink);}
.sources ol{padding-left:1.2em;}

/* ---------- Acerca de: dos columnas ---------- */
.about-grid{
  display:grid;
  grid-template-columns:.85fr 1.15fr;
  gap:48px;
  align-items:start;
}
.about-portrait{
  background:var(--color-card);
  border:1px solid var(--color-line);
  border-radius:var(--radius);
  padding:28px;
  text-align:center;
}
.about-portrait svg{width:100%;max-width:220px;margin:0 auto 16px;}
.about-portrait h3{margin-bottom:.2em;}
.about-col h2{margin-top:1.5em;}
.about-col h2:first-child{margin-top:0;}

/* ---------- Política editorial: lista numerada con iconos ---------- */
.policy-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:22px;}
.policy-list li{
  display:flex;
  gap:18px;
  background:var(--color-card);
  border:1px solid var(--color-line);
  border-radius:var(--radius);
  padding:20px 22px;
}
.policy-num{
  flex:none;
  width:42px;height:42px;
  border-radius:50%;
  background:var(--color-ink);
  color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-head);
  font-weight:700;
}
.policy-ico{flex:none;width:26px;height:26px;color:var(--color-accent-2);margin-top:2px;}
.policy-text h3{margin-bottom:.3em;font-size:1.1rem;}
.policy-text p{margin-bottom:0;color:var(--color-ink-soft);}

/* ---------- Páginas legales: documento limpio ---------- */
.legal-doc{max-width:760px;margin:0 auto;padding:56px 24px 72px;}
.legal-doc h1{font-size:1.9rem;margin-bottom:.2em;}
.legal-doc .updated{color:var(--color-muted);font-size:.88rem;margin-bottom:2em;}
.legal-doc h2{font-size:1.15rem;margin-top:2em;border-top:1px solid var(--color-line);padding-top:1.2em;}
.legal-doc h2:first-of-type{border-top:none;padding-top:0;}
.legal-doc p,.legal-doc li{color:var(--color-ink-soft);}
.legal-doc table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.94rem;}
.legal-doc th,.legal-doc td{border:1px solid var(--color-line);padding:10px 12px;text-align:left;}
.legal-doc th{background:var(--color-bg-alt);}

/* ---------- Footer ---------- */
.site-footer{
  background:var(--color-ink);
  color:#D9D4C4;
  margin-top:40px;
}
.site-footer .wrap{padding:44px 24px 28px;}
.footer-grid{
  display:grid;
  grid-template-columns:1.3fr 1fr 1fr;
  gap:32px;
  padding-bottom:28px;
  border-bottom:1px solid rgba(255,255,255,.14);
}
.site-footer h4{color:#fff;font-family:var(--font-head);font-size:1rem;margin-bottom:.7em;}
.site-footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:8px;}
.site-footer a{color:#D9D4C4;text-decoration:none;font-size:.92rem;}
.site-footer a:hover{color:#fff;text-decoration:underline;}
.footer-brand .brand-name{color:#fff;}
.footer-brand p{color:#B8B2A0;font-size:.9rem;max-width:32ch;}
.footer-legal-disclaimer{
  display:flex;
  gap:12px;
  align-items:flex-start;
  padding:22px 0;
  border-bottom:1px solid rgba(255,255,255,.14);
  font-size:.88rem;
  color:#C9C4B4;
}
.footer-legal-disclaimer .ico{flex:none;width:20px;height:20px;margin-top:2px;color:var(--color-accent);}
.footer-bottom{
  display:flex;
  justify-content:space-between;
  gap:12px;
  flex-wrap:wrap;
  padding-top:18px;
  font-size:.82rem;
  color:#9E9787;
}

/* ---------- Utilidades ---------- */
.btn{
  display:inline-block;
  background:var(--color-accent);
  color:#fff;
  padding:12px 22px;
  border-radius:999px;
  text-decoration:none;
  font-weight:700;
  font-size:.95rem;
}
.btn:hover{background:var(--color-accent-dark);color:#fff;}

@media (max-width: 880px){
  .hero .wrap{grid-template-columns:1fr;}
  .hero-art{display:none;}
  .articles-grid{grid-template-columns:1fr 1fr;}
  .about-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
}
@media (max-width: 600px){
  .main-nav{display:none;}
  .articles-grid{grid-template-columns:1fr;}
  .what-not{grid-template-columns:1fr;}
  .disclaimer-top .wrap{flex-direction:column;}
}