*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}:root{--bg:#F8FAFC;--surface:#FFFFFF;--text:#0F172A;--text-secondary:#64748B;--text-light:#94A3B8;--accent:#2563EB;--accent-hover:#1D4ED8;--accent-light:#DBEAFE;--positive:#059669;--positive-light:#D1FAE5;--negative:#DC2626;--negative-light:#FEE2E2;--warning:#D97706;--warning-light:#FEF3C7;--border:#E2E8F0;--shadow:0 1px 3px rgba(0,0,0,.08);--shadow-md:0 4px 12px rgba(0,0,0,.08);--shadow-lg:0 8px 24px rgba(0,0,0,.12);--radius:12px;--radius-sm:8px;--radius-full:9999px;--max-w:680px;--transition:.2s ease}html{font-size:16px;scroll-behavior:smooth}body{font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--text);line-height:1.6;min-height:100vh;-webkit-font-smoothing:antialiased}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.skip-link{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:8px 16px;z-index:100;border-radius:0 0 var(--radius-sm) 0}.skip-link:focus{left:0}.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 16px}.site-header{text-align:center;padding:32px 16px 24px}.site-header h1{font-size:1.5rem;font-weight:700;color:var(--text);line-height:1.3;margin-bottom:8px}.site-header .subtitle{font-size:.95rem;color:var(--text-secondary);max-width:480px;margin:0 auto}.badge{display:inline-block;background:var(--accent-light);color:var(--accent);font-size:.75rem;font-weight:600;padding:4px 10px;border-radius:var(--radius-full);margin-bottom:12px}.progress{display:flex;align-items:center;justify-content:center;gap:0;margin:0 auto 28px;max-width:320px;padding:0 16px}.progress-step{display:flex;align-items:center;gap:0}.progress-dot{width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:600;border:2px solid var(--border);color:var(--text-light);background:var(--surface);transition:all var(--transition);flex-shrink:0}.progress-dot.active{border-color:var(--accent);background:var(--accent);color:#fff}.progress-dot.done{border-color:var(--positive);background:var(--positive);color:#fff}.progress-line{width:40px;height:2px;background:var(--border);transition:background var(--transition);flex-shrink:0}.progress-line.active{background:var(--accent)}.progress-line.done{background:var(--positive)}.view-toggle{text-align:center;margin-bottom:24px}.view-toggle button{background:none;border:none;color:var(--accent);font-size:.85rem;cursor:pointer;padding:6px 12px;border-radius:var(--radius-full);transition:background var(--transition)}.view-toggle button:hover{background:var(--accent-light)}.step{display:none;animation:fadeIn .3s ease}.step.active{display:block}body.view-all .step{display:block;margin-bottom:32px}body.view-all .progress,body.view-all .step-nav{display:none}body.view-all #step3{display:block}@keyframes fadeIn{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.step-title{font-size:1.15rem;font-weight:600;margin-bottom:16px;color:var(--text)}.card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px;margin-bottom:16px}.card-title{font-size:.9rem;font-weight:600;color:var(--text);margin-bottom:4px}.card-help{font-size:.8rem;color:var(--text-secondary);margin-bottom:12px}.amount-input-wrap{position:relative;margin-bottom:12px}.amount-input{width:100%;font-size:2rem;font-weight:700;padding:16px 50px 16px 20px;border:2px solid var(--border);border-radius:var(--radius);background:var(--surface);color:var(--text);text-align:center;transition:border-color var(--transition);-moz-appearance:textfield}.amount-input::-webkit-outer-spin-button,.amount-input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.amount-input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-light)}.amount-suffix{position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:600;color:var(--text-light);pointer-events:none}.period-toggle{display:flex;background:var(--bg);border-radius:var(--radius-full);padding:3px;margin-bottom:8px;max-width:240px;margin-left:auto;margin-right:auto}.period-btn{flex:1;padding:8px 16px;border:none;background:none;border-radius:var(--radius-full);font-size:.85rem;font-weight:500;color:var(--text-secondary);cursor:pointer;transition:all var(--transition)}.period-btn.active{background:var(--surface);color:var(--text);box-shadow:var(--shadow)}.options-grid{display:grid;grid-template-columns:1fr;gap:8px}.option-card{display:flex;align-items:flex-start;gap:12px;padding:14px 16px;border:2px solid var(--border);border-radius:var(--radius-sm);cursor:pointer;transition:all var(--transition);background:var(--surface)}.option-card:hover{border-color:var(--accent-light);background:#fafbff}.option-card.selected{border-color:var(--accent);background:var(--accent-light)}.option-radio{width:20px;height:20px;border-radius:50%;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;transition:all var(--transition)}.option-card.selected .option-radio{border-color:var(--accent)}.option-radio:after{content:"";width:10px;height:10px;border-radius:50%;background:var(--accent);transform:scale(0);transition:transform var(--transition)}.option-card.selected .option-radio:after{transform:scale(1)}.option-info{flex:1;min-width:0}.option-label{font-size:.9rem;font-weight:600;color:var(--text);display:flex;align-items:center;gap:8px}.option-tag{font-size:.7rem;font-weight:600;padding:2px 8px;border-radius:var(--radius-full);background:var(--warning-light);color:var(--warning)}.option-desc{font-size:.8rem;color:var(--text-secondary);margin-top:2px}.field-section{margin-bottom:20px}.field-section:last-child{margin-bottom:0}.field-label{font-size:.85rem;font-weight:600;color:var(--text);margin-bottom:8px;display:flex;align-items:center;gap:6px}.tramo-select{width:100%;padding:12px 16px;font-size:.9rem;border:2px solid var(--border);border-radius:var(--radius-sm);background:var(--surface);color:var(--text);cursor:pointer;transition:border-color var(--transition);appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748B' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center}.tramo-select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-light)}.cuota-display{text-align:center;padding:12px;background:var(--accent-light);border-radius:var(--radius-sm);margin-top:8px}.cuota-amount{font-size:1.3rem;font-weight:700;color:var(--accent)}.cuota-label{font-size:.8rem;color:var(--accent)}.toggle-wrap{display:flex;align-items:center;gap:12px;padding:14px 16px;background:var(--positive-light);border-radius:var(--radius-sm);margin-bottom:12px;cursor:pointer}.toggle-wrap.inactive{background:var(--bg)}.toggle{width:44px;height:24px;background:var(--border);border-radius:12px;position:relative;transition:background var(--transition);flex-shrink:0}.toggle.on{background:var(--positive)}.toggle:after{content:"";width:20px;height:20px;background:#fff;border-radius:50%;position:absolute;top:2px;left:2px;transition:transform var(--transition);box-shadow:0 1px 3px #0003}.toggle.on:after{transform:translate(20px)}.toggle-text{font-size:.9rem;font-weight:500;color:var(--text)}.toggle-sub{font-size:.8rem;color:var(--text-secondary)}.collapsible-header{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;background:var(--bg);border-radius:var(--radius-sm);cursor:pointer;transition:background var(--transition);margin-bottom:8px}.collapsible-header:hover{background:var(--border)}.collapsible-header .arrow{transition:transform var(--transition);color:var(--text-secondary)}.collapsible-header.open .arrow{transform:rotate(180deg)}.collapsible-content{display:none;padding:8px 0}.collapsible-content.open{display:block;animation:fadeIn .2s ease}.check-option{display:flex;align-items:flex-start;gap:12px;padding:10px 12px;border-radius:var(--radius-sm);cursor:pointer;transition:background var(--transition)}.check-option:hover{background:var(--bg)}.checkbox{width:20px;height:20px;border:2px solid var(--border);border-radius:4px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;transition:all var(--transition)}.check-option.checked .checkbox{background:var(--accent);border-color:var(--accent)}.checkbox svg{width:12px;height:12px;stroke:#fff;stroke-width:3;fill:none;opacity:0;transition:opacity var(--transition)}.check-option.checked .checkbox svg{opacity:1}.check-label{font-size:.85rem;font-weight:500;color:var(--text)}.check-desc{font-size:.78rem;color:var(--text-secondary)}.step-nav{display:flex;gap:12px;margin-top:24px;padding-bottom:32px}.btn{padding:14px 28px;border:none;border-radius:var(--radius-full);font-size:.95rem;font-weight:600;cursor:pointer;transition:all var(--transition);display:inline-flex;align-items:center;gap:8px}.btn-primary{background:var(--accent);color:#fff;flex:1;justify-content:center}.btn-primary:hover{background:var(--accent-hover);transform:translateY(-1px);box-shadow:var(--shadow-md)}.btn-primary:active{transform:translateY(0)}.btn-secondary{background:var(--bg);color:var(--text);border:1px solid var(--border)}.btn-secondary:hover{background:var(--border)}.btn-primary:disabled{opacity:.5;cursor:not-allowed;transform:none}.results-card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden;margin-bottom:24px}.results-header{background:linear-gradient(135deg,var(--accent),#7C3AED);color:#fff;padding:24px 20px;text-align:center}.results-header .label{font-size:.85rem;opacity:.9}.results-header .amount{font-size:2.5rem;font-weight:700;margin:4px 0}.results-header .period{font-size:.85rem;opacity:.8}.results-breakdown{padding:20px}.breakdown-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border)}.breakdown-row:last-child{border-bottom:none}.breakdown-row.total{border-top:2px solid var(--text);border-bottom:none;padding-top:14px;margin-top:4px}.breakdown-label{font-size:.88rem;color:var(--text-secondary);display:flex;align-items:center;gap:6px}.breakdown-value{font-size:.95rem;font-weight:600;color:var(--text)}.breakdown-value.negative{color:var(--negative)}.breakdown-value.positive{color:var(--positive)}.breakdown-row.total .breakdown-label{font-weight:700;color:var(--text);font-size:.95rem}.breakdown-row.total .breakdown-value{font-size:1.1rem;color:var(--positive)}.waterfall{display:flex;align-items:flex-end;height:120px;gap:6px;padding:20px;background:var(--bg);border-radius:var(--radius-sm);margin:16px 20px 20px}.waterfall-bar{flex:1;border-radius:6px 6px 0 0;display:flex;flex-direction:column;align-items:center;justify-content:flex-end;position:relative;transition:height .5s ease;min-width:0}.waterfall-bar .bar-fill{width:100%;border-radius:6px 6px 0 0;transition:height .5s ease}.waterfall-bar .bar-label{font-size:.65rem;color:var(--text-secondary);text-align:center;margin-top:6px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:100%}.waterfall-bar .bar-value{font-size:.7rem;font-weight:600;position:absolute;top:-18px;white-space:nowrap}.annual-toggle{display:flex;justify-content:center;margin:16px 20px 0}.pressure{text-align:center;padding:12px;margin:0 20px 20px;background:var(--bg);border-radius:var(--radius-sm)}.pressure-value{font-size:1.3rem;font-weight:700;color:var(--warning)}.pressure-label{font-size:.8rem;color:var(--text-secondary)}.bonif-result{margin:0 20px 20px;padding:12px 16px;background:var(--positive-light);border-radius:var(--radius-sm)}.bonif-result-title{font-size:.85rem;font-weight:600;color:var(--positive);margin-bottom:4px}.bonif-result-item{font-size:.8rem;color:var(--text-secondary);padding:2px 0}.seo-content{max-width:var(--max-w);margin:0 auto;padding:0 16px 48px}.seo-content h2{font-size:1.35rem;font-weight:700;color:var(--text);margin:40px 0 16px;line-height:1.3}.seo-content h3{font-size:1.05rem;font-weight:600;color:var(--text);margin:28px 0 12px}.seo-content p{color:var(--text-secondary);margin-bottom:14px;font-size:.92rem;line-height:1.7}.seo-content strong{color:var(--text)}.seo-content ul,.seo-content ol{color:var(--text-secondary);margin:0 0 14px 20px;font-size:.92rem;line-height:1.7}.seo-content li{margin-bottom:6px}.info-table{width:100%;border-collapse:collapse;margin:16px 0 20px;font-size:.85rem}.info-table th{background:var(--accent);color:#fff;padding:10px 12px;text-align:left;font-weight:600}.info-table td{padding:9px 12px;border-bottom:1px solid var(--border)}.info-table tr:nth-child(2n){background:var(--bg)}.info-table tr:hover{background:var(--accent-light)}.faq-section{margin-top:40px}.faq-item{border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:8px;overflow:hidden}.faq-q{display:flex;justify-content:space-between;align-items:center;padding:16px;cursor:pointer;font-weight:600;font-size:.9rem;color:var(--text);background:var(--surface);transition:background var(--transition)}.faq-q:hover{background:var(--bg)}.faq-q .faq-arrow{transition:transform var(--transition);color:var(--text-light);flex-shrink:0;margin-left:12px}.faq-q.open .faq-arrow{transform:rotate(180deg)}.faq-a{display:none;padding:0 16px 16px;font-size:.88rem;color:var(--text-secondary);line-height:1.7}.faq-a.open{display:block}.calc-disclaimer{max-width:var(--max-w);margin:0 auto;padding:12px 16px 32px;text-align:center;font-size:.75rem;color:var(--text-light);line-height:1.5}.site-footer{text-align:center;padding:32px 16px;color:var(--text-secondary);font-size:.8rem;border-top:1px solid var(--border)}.site-footer .disclaimer{max-width:480px;margin:0 auto 12px;font-size:.75rem;color:var(--text-light);line-height:1.5}.site-footer .footer-links{display:flex;justify-content:center;gap:16px;margin-bottom:8px}@media(min-width:480px){.options-grid.two-col{grid-template-columns:1fr 1fr}.site-header h1{font-size:1.75rem}.amount-input{font-size:2.5rem}}@media(min-width:768px){.container{padding:0 24px}.site-header{padding:48px 24px 32px}.site-header h1{font-size:2rem}.card{padding:24px}.waterfall{height:140px;padding:24px}.seo-content{padding:0 24px 56px}}