/* housefinan-header-v2.css */
/* Housefinan · cabecera compartida 2026 */
:root{--hf-aqua:#79cccb;--hf-aqua-dark:#3aa9a8;--hf-ink:#25282d;--hf-border:rgba(201,220,220,.88)}

/* Barra de progreso compartida: mismo comportamiento en todas las páginas */
.scroll-progress{
  position:fixed!important;inset:0 0 auto 0!important;height:3px!important;z-index:260!important;
  background:transparent!important;pointer-events:none!important;overflow:hidden!important;
}
.scroll-progress span{
  display:block!important;width:0;height:100%!important;
  background:linear-gradient(90deg,#69c9c8,#8fdedc)!important;
  box-shadow:0 0 14px rgba(75,194,192,.34);
  transition:width .08s linear;
}

.site-header{
  position:sticky!important;top:0!important;z-index:200!important;width:100%;
  background:rgba(249,254,254,.90)!important;border-bottom:1px solid rgba(207,225,225,.68)!important;
  box-shadow:none;backdrop-filter:saturate(145%) blur(18px)!important;-webkit-backdrop-filter:saturate(145%) blur(18px)!important;
  transition:background .25s ease,border-color .25s ease,box-shadow .25s ease;
}
.site-header.scrolled{background:rgba(255,255,255,.95)!important;border-bottom-color:rgba(205,220,220,.92)!important;box-shadow:0 10px 34px rgba(24,49,53,.055)}
.site-header .header-inner{
  width:min(1200px,calc(100% - 48px))!important;margin-inline:auto!important;min-height:76px!important;height:auto!important;
  display:grid!important;grid-template-columns:1fr auto 1fr!important;align-items:center!important;gap:28px!important;padding:0!important;
  transition:min-height .25s ease!important;
}
.site-header.scrolled .header-inner{min-height:68px!important}
.site-header .brand{justify-self:start;display:inline-flex!important;align-items:center!important;min-width:0}
.site-header .brand-logo,.site-header .brand img{display:block!important;width:151px!important;height:auto!important}
.site-header .desktop-nav{justify-self:center;display:flex!important;align-items:center!important;justify-content:center!important;gap:7px!important;margin:0!important;font-size:13px!important;font-weight:760!important;white-space:nowrap}
.site-header .desktop-nav a{position:relative;display:inline-flex;align-items:center;min-height:40px;padding:8px 13px!important;border-radius:999px;color:#51575e!important;background:transparent!important;transition:color .2s ease,background .2s ease,transform .2s ease}
.site-header .desktop-nav a:after{display:none!important}
.site-header .desktop-nav a:hover{color:#22252b!important;background:rgba(66,200,199,.09)!important}
.site-header .desktop-nav a.active,.site-header .desktop-nav a[aria-current="page"]{color:#1f2529!important;background:rgba(66,200,199,.13)!important}
.site-header .header-actions{justify-self:end;display:flex!important;align-items:center!important;gap:9px!important;margin:0!important}

/* CTA principal del header */
.site-header .header-actions > a.hf-header-cta{
  min-height:42px!important;display:inline-flex!important;align-items:center!important;justify-content:center!important;padding:0 19px!important;
  border:1px solid #2c2f34!important;border-radius:999px!important;background:#2c2f34!important;color:#fff!important;
  -webkit-text-fill-color:#fff!important;box-shadow:0 8px 22px rgba(30,34,39,.14)!important;font-size:12px!important;font-weight:820!important;
  line-height:1!important;text-decoration:none!important;white-space:nowrap!important;opacity:1!important;
  transition:transform .2s ease,background .2s ease,box-shadow .2s ease!important;
}
.site-header .header-actions > a.hf-header-cta:hover{transform:translateY(-1px)!important;background:#202328!important;border-color:#202328!important;box-shadow:0 11px 27px rgba(30,34,39,.18)!important}
.hf-header-cta:focus-visible,.menu-button:focus-visible,.language-trigger:focus-visible,.language-option:focus-visible{outline:3px solid rgba(66,200,199,.30)!important;outline-offset:2px!important}

/* Selector de idioma */
.language-selector{position:relative;z-index:5}
.language-trigger{min-width:82px;height:42px;display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:0 11px;border:1px solid var(--hf-border);border-radius:999px;background:rgba(255,255,255,.80);color:#343a40;box-shadow:0 4px 18px rgba(29,52,56,.045);cursor:pointer;font:inherit;font-size:12px;font-weight:820;line-height:1;transition:border-color .2s ease,background .2s ease,box-shadow .2s ease,transform .2s ease}
.language-trigger:hover{transform:translateY(-1px);border-color:#a9cecd;background:#fff;box-shadow:0 8px 22px rgba(29,52,56,.075)}
.language-flag-image,.language-option-flag-image{display:block;flex:0 0 auto;border-radius:50%;object-fit:cover;box-shadow:0 0 0 1px rgba(31,49,52,.08)}
.language-flag-image{width:20px;height:20px}
.language-option-flag-image{width:23px;height:23px}
.language-code{letter-spacing:.035em}.language-chevron{width:14px;height:14px;opacity:.68;transition:transform .2s ease}.language-selector.open .language-chevron{transform:rotate(180deg)}
.language-menu{position:absolute;top:calc(100% + 10px);right:0;width:286px;padding:8px;border:1px solid rgba(209,224,224,.94);border-radius:20px;background:rgba(255,255,255,.985);box-shadow:0 22px 60px rgba(25,52,55,.15);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);opacity:0;visibility:hidden;transform:translateY(-7px) scale(.985);transform-origin:top right;pointer-events:none;transition:opacity .18s ease,transform .18s ease,visibility .18s ease}
.language-selector.open .language-menu{opacity:1;visibility:visible;transform:none;pointer-events:auto}
.language-option{width:100%;min-height:52px;display:grid;grid-template-columns:28px minmax(0,1fr) auto;align-items:center;gap:10px;padding:7px 9px;border:0;border-radius:13px;background:transparent;color:#30363b;text-align:left;cursor:pointer;font:inherit;transition:background .16s ease,color .16s ease}
.language-option:hover{background:#f0fafa}.language-option.is-current{background:#eaf8f7;color:#255c5d}.language-option strong{display:block;font-size:12px;line-height:1.15;font-weight:820}.language-option small{display:block;margin-top:3px;color:#7a8187;font-size:9.5px;line-height:1.15;font-weight:600}.language-check{width:22px;height:22px;display:grid;place-items:center;border-radius:50%;background:#d5f3f2;color:#267f80;font-size:11px;font-weight:900}.language-soon{padding:5px 7px;border-radius:999px;background:#f2f5f5;color:#8a9095;font-size:8px;font-weight:800;letter-spacing:.025em;white-space:nowrap}.language-option[data-coming-soon="true"]{color:#565d63}.language-option[data-coming-soon="true"]:hover{background:#f7fbfb}
.hf-language-toast{position:fixed;z-index:300;left:50%;bottom:24px;max-width:min(92vw,430px);transform:translate(-50%,12px);padding:11px 16px;border:1px solid rgba(202,220,220,.95);border-radius:999px;background:rgba(34,37,43,.94);color:#fff;box-shadow:0 16px 42px rgba(20,30,34,.22);font-size:11px;font-weight:700;opacity:0;pointer-events:none;transition:opacity .2s ease,transform .2s ease}.hf-language-toast.show{opacity:1;transform:translate(-50%,0)}

/* Hamburguesa */
.site-header .menu-button{display:none!important;width:42px!important;height:42px!important;margin:0!important;padding:0!important;border:1px solid var(--hf-border)!important;border-radius:13px!important;background:rgba(255,255,255,.76)!important;cursor:pointer;align-items:center!important;justify-content:center!important;flex-direction:column!important}
.site-header .menu-button span{display:block!important;width:19px!important;height:2px!important;margin:2.5px auto!important;border-radius:99px!important;background:#25292e!important;transition:transform .2s ease,opacity .2s ease!important}
.site-header .menu-button[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)!important}.site-header .menu-button[aria-expanded="true"] span:nth-child(2){opacity:0!important}.site-header .menu-button[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)!important}
.site-header .mobile-menu{display:none!important}

@media(max-width:900px){
  .site-header .header-inner{width:min(100% - 28px,760px)!important;min-height:64px!important;grid-template-columns:minmax(0,1fr) auto!important;gap:10px!important}
  .site-header.scrolled .header-inner{min-height:64px!important}.site-header .brand-logo,.site-header .brand img{width:124px!important}.site-header .desktop-nav{display:none!important}
  .site-header .header-actions{grid-column:auto!important;display:flex!important;justify-self:end!important;gap:7px!important}.site-header .header-actions > a.hf-header-cta{display:none!important}.site-header .menu-button{display:flex!important}
  .language-trigger{min-width:61px;height:40px;padding:0 9px;gap:6px}.language-trigger .language-code{font-size:11px}.language-flag-image{width:18px;height:18px}.language-trigger .language-chevron{width:12px;height:12px}.language-menu{width:min(286px,calc(100vw - 24px));right:0;top:calc(100% + 9px)}
  .site-header .mobile-menu{position:absolute!important;top:calc(100% + 8px)!important;left:14px!important;right:14px!important;z-index:4!important;padding:8px!important;border:1px solid rgba(207,224,224,.96)!important;border-radius:18px!important;background:rgba(255,255,255,.99)!important;box-shadow:0 20px 55px rgba(25,52,55,.15)!important;backdrop-filter:blur(18px)!important;-webkit-backdrop-filter:blur(18px)!important}
  .site-header .mobile-menu.open{display:grid!important;gap:3px!important}.site-header .mobile-menu a{display:flex!important;align-items:center!important;min-height:46px!important;padding:10px 13px!important;border:0!important;border-radius:11px!important;color:#444b51!important;font-size:13px!important;font-weight:760!important;background:transparent!important;text-decoration:none!important}
  .site-header .mobile-menu a:hover,.site-header .mobile-menu a.active,.site-header .mobile-menu a[aria-current="page"]{color:#202529!important;background:#edf9f8!important}
  .site-header .mobile-menu .hf-mobile-cta{margin-top:5px!important;justify-content:center!important;background:#79cccb!important;color:#173d3e!important;font-weight:850!important;box-shadow:0 8px 20px rgba(66,200,199,.16)!important}
}
@media(max-width:430px){.site-header .header-inner{width:calc(100% - 22px)!important;gap:6px!important}.site-header .brand-logo,.site-header .brand img{width:114px!important}.language-trigger{min-width:57px;height:39px;padding-inline:8px}.site-header .menu-button{width:39px!important;height:39px!important}.site-header .mobile-menu{left:10px!important;right:10px!important;top:calc(100% + 6px)!important}}
@media(prefers-reduced-motion:reduce){.site-header *,.hf-language-toast,.scroll-progress span{transition:none!important}}

/* v2: recursos de bandera rasterizados para evitar problemas de MIME/SVG en algunos hostings */
.language-flag-image,.language-option-flag-image{background:#eef4f4!important;border:1px solid rgba(30,45,48,.08)!important;}
.language-flag-image{width:20px!important;height:20px!important;}
.language-option-flag-image{width:23px!important;height:23px!important;}
@media (max-width:900px){
  .site-header .header-actions > a.hf-header-cta{display:none!important;}
}

/* v4 · El header no hereda subrayados/estilos editoriales de páginas internas */
.site-header a,
.site-header .brand,
.site-header .desktop-nav a,
.site-header .mobile-menu a,
.site-header .hf-header-cta{
  text-decoration:none!important;
  text-decoration-line:none!important;
}
.site-header .brand{
  border:0!important;
}
.site-header .desktop-nav a{
  border:0!important;
  box-shadow:none!important;
}

/* housefinan-footer-v1.css */
/* Housefinan shared footer — keep this file loaded on every page. */
.hf-footer{
  position:relative;
  z-index:1;
  width:100%;
  margin:0;
  padding:64px 0 36px;
  border-top:1px solid #e3e9e9;
  background:#f7f9f9;
  color:#2b3035;
  font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}
.hf-footer *{box-sizing:border-box}
.hf-footer a{color:inherit;text-decoration:none}
.hf-footer-inner{width:min(1180px,calc(100% - 48px));margin-inline:auto}
.hf-footer-main{display:grid;grid-template-columns:minmax(240px,.78fr) minmax(0,1.22fr);gap:52px;align-items:start;padding-bottom:34px;border-bottom:1px solid #dfe6e6}
.hf-footer-brand{display:inline-flex;align-items:center}
.hf-footer-brand img{display:block;width:151px!important;height:auto!important;max-width:100%;filter:none!important}
.hf-footer-brand-block p{max-width:31ch;margin:14px 0 0;color:#70777d;font-size:12px;line-height:1.6;font-weight:620}
.hf-footer-nav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px 24px;align-content:start;justify-self:stretch}
.hf-footer-nav a{display:inline-flex;width:max-content;max-width:100%;color:#596067;font-size:12px;line-height:1.45;font-weight:700;transition:color .18s ease,transform .18s ease}
.hf-footer-nav a:hover{color:#247e7f;transform:translateX(2px)}
.hf-footer-nav a.hf-footer-directory{
  position:relative;
  display:inline-flex;
  align-items:center;
  gap:9px;
  width:max-content;
  max-width:100%;
  margin-top:3px;
  padding:10px 15px 10px 13px;
  border:1px solid rgba(86,176,176,.34);
  border-radius:14px;
  background:linear-gradient(135deg,#e6f7f6 0%,#f7fcfc 58%,#edf8f7 100%);
  color:#1f696a;
  font-size:12px;
  font-weight:850;
  letter-spacing:.01em;
  box-shadow:0 9px 24px rgba(35,104,105,.10),inset 0 1px 0 rgba(255,255,255,.82);
  overflow:hidden;
  isolation:isolate;
  transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease,color .18s ease;
}
.hf-footer-nav a.hf-footer-directory:before{
  content:"";
  width:8px;
  height:8px;
  flex:0 0 8px;
  border-radius:999px;
  background:#70c7c7;
  box-shadow:0 0 0 4px rgba(112,199,199,.15);
}
.hf-footer-nav a.hf-footer-directory:after{
  content:"→";
  position:relative;
  z-index:1;
  font-size:14px;
  line-height:1;
  font-weight:900;
  transition:transform .18s ease;
}
.hf-footer-nav a.hf-footer-directory:hover{
  color:#155e60;
  border-color:rgba(68,160,161,.58);
  transform:translateY(-2px);
  box-shadow:0 14px 30px rgba(35,104,105,.16),inset 0 1px 0 rgba(255,255,255,.9);
}
.hf-footer-nav a.hf-footer-directory:hover:after{transform:translateX(3px)}
.hf-footer-nav a.hf-footer-directory:focus-visible{
  outline:3px solid rgba(112,199,199,.34);
  outline-offset:3px;
}
.hf-footer-nav a.hf-footer-directory[aria-current="page"]{
  border-color:rgba(55,145,146,.58);
  background:linear-gradient(135deg,#dff4f3 0%,#f5fbfb 100%);
  color:#155e60;
}

.hf-footer-legal{display:grid;grid-template-columns:1fr 1fr;gap:32px;padding-top:28px}
.hf-footer-legal p{max-width:none!important;margin:0!important;color:#7d8489!important;font-size:10px!important;line-height:1.72!important;font-weight:400!important;letter-spacing:0!important;text-transform:none!important}
@media(max-width:800px){
  .hf-footer{padding:52px 0 34px}
  .hf-footer-inner{width:min(100% - 32px,1180px)}
  .hf-footer-main{grid-template-columns:1fr;gap:26px;padding-bottom:28px}
  .hf-footer-nav{grid-template-columns:1fr 1fr;gap:12px 18px}
  .hf-footer-legal{grid-template-columns:1fr;gap:14px;padding-top:23px}
}
@media(max-width:430px){
  .hf-footer{padding:46px 0 calc(92px + env(safe-area-inset-bottom,0px))}
  .hf-footer-inner{width:calc(100% - 28px)}
  .hf-footer-brand img{width:136px!important}
  .hf-footer-nav{grid-template-columns:1fr;gap:11px}
  .hf-footer-nav a{font-size:11.5px}
  .hf-footer-legal p{font-size:9.5px!important;line-height:1.68!important}
}

/* housefinan-blog-article-v4.css */

:root{
  --article-ink:#292d31;
  --article-text:#485257;
  --article-muted:#778287;
  --article-aqua:#79cccb;
  --article-aqua-strong:#39a8a7;
  --article-aqua-soft:#e9f8f7;
  --article-warm:#f8fbfb;
  --article-line:#dfe9e9;
  --article-dark:#2c3035;
  --article-max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--article-text);background:#fff;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.65}
a{color:inherit}
img{display:block;max-width:100%}
button,input{font:inherit}
.container{width:min(var(--article-max),calc(100% - 48px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:16px;top:16px;z-index:9999;padding:11px 14px;border-radius:10px;background:#fff;color:#222;border:2px solid var(--article-aqua)}
/* Breadcrumbs */
.breadcrumbs{border-bottom:1px solid #e7eeee;background:#fff}
.breadcrumbs .container{padding:14px 0;color:#899395;font-size:10.5px}
.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{color:#2c8182}
.sep{margin:0 7px;color:#bcc5c7}
/* Article layout */
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:68px;padding-top:44px;align-items:start}
.article-head{margin-bottom:28px}
.meta-top{display:flex;flex-wrap:wrap;gap:9px;align-items:center;margin-bottom:16px}
.category{padding:7px 9px;background:var(--article-dark);color:#fff;font-size:8.5px;font-weight:850;letter-spacing:.065em;text-transform:uppercase}
.category.alt{background:#5fb7b6}
.readtime{color:#899194;font-size:10.5px;font-weight:650}
.article-title{max-width:15ch;margin:0;color:var(--article-ink);font-size:clamp(38px,4.8vw,58px);line-height:1.04;letter-spacing:-.045em;font-weight:760}
.dek{max-width:790px;margin:18px 0 0;color:#617074;font-size:17px;line-height:1.58}
.date-row{display:flex;flex-wrap:wrap;gap:11px;margin-top:19px;color:#8c9598;font-size:9px;font-weight:760;letter-spacing:.04em;text-transform:uppercase}
.date-row span+span:before{content:"•";margin-right:11px;color:#bdc5c7}
.author-card{display:grid;grid-template-columns:56px 1fr auto;gap:14px;align-items:center;margin-top:23px;padding:15px 17px;border:1px solid var(--article-line);border-radius:16px;background:#fff}
.author-card img{width:56px;height:56px;border-radius:50%;object-fit:cover;background:#dff3f2}
.author-card strong{display:block;color:#30373a;font-size:12.5px}
.author-card span{display:block;margin-top:2px;color:#7b8588;font-size:10px}
.author-card a{color:#307f80;font-size:10px;font-weight:800;text-decoration:none;border-bottom:1px solid #9bdad8}
.hero{margin:30px 0 33px;aspect-ratio:16/9;overflow:hidden;border-radius:24px;background:#e8f3f3}
.hero img{width:100%;height:100%;object-fit:cover}
/* Article text */
.article-body{color:#414d51;font-size:15.5px;line-height:1.74}
.article-body p{margin:0 0 22px}
.article-body strong{color:#30383b}
.article-body em{color:#3e4c50}
.article-body h2{scroll-margin-top:118px;margin:52px 0 18px;color:#2d3437;font-size:29px;line-height:1.22;letter-spacing:-.028em;font-weight:760}
.article-body ul,.article-body ol{padding-left:22px;margin:0 0 25px}
.article-body li{margin:8px 0}
.article-body a{color:#287f80;font-weight:760;text-underline-offset:3px}
/* TOC */
.toc{margin:0 0 26px;border:1px solid var(--article-line);border-radius:18px;background:#f7fbfb;overflow:hidden}
.toc-head{width:100%;min-height:48px;padding:12px 15px;border:0;background:transparent;color:#394244;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-size:9.5px;font-weight:900;letter-spacing:.075em}
.toc-body{padding:0 18px 17px}
.toc-body[hidden]{display:none}
.toc ol{margin:0;padding-left:18px;font-size:11.5px;line-height:1.45}
.toc li{margin:7px 0}
.toc a{color:#617074;text-decoration:none;font-weight:650}
.toc a:hover{color:#297f80}
/* CTA after each H2 */
.niche-cta{position:relative;overflow:hidden;margin:31px 0 8px;padding:20px 21px;border:1px solid #dce8e8;border-radius:18px;background:#f2fafa;display:flex;align-items:center;justify-content:space-between;gap:20px}
.niche-cta:after{content:"";position:absolute;width:150px;height:150px;right:-58px;top:-75px;border-radius:50%;background:rgba(121,204,203,.20)}
.niche-cta>div,.niche-cta>a{position:relative;z-index:1}
.niche-cta strong{display:block;margin-bottom:3px;color:#303b3e;font-size:14px}
.niche-cta span{display:block;max-width:52ch;color:#718084;font-size:10.5px;line-height:1.5}
.cta-button{flex:0 0 auto;min-height:44px;padding:0 16px;border:0!important;border-radius:999px;background:#30343a;color:#fff!important;display:inline-flex;align-items:center;justify-content:center;text-decoration:none!important;font-size:9.5px;font-weight:900!important;letter-spacing:.02em;white-space:nowrap;box-shadow:0 8px 20px rgba(36,42,47,.12)}
.cta-button:hover{background:#22262b}
.article-image{margin:28px 0 30px;overflow:hidden;border-radius:22px;background:#e9f3f3}
.article-image img{width:100%;height:405px;object-fit:cover}
/* FAQ */
.faq{margin-top:54px}
.faq>h2{margin-bottom:10px}
.faq>p{color:#6b777a;margin-bottom:18px}
.faq-item{border-top:1px solid #dfe7e7}
.faq-item:last-of-type{border-bottom:1px solid #dfe7e7}
.faq-item summary{list-style:none;cursor:pointer;min-height:58px;padding:15px 4px;display:flex;align-items:center;justify-content:space-between;color:#323b3e;font-size:13px;font-weight:780}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{content:"+";color:#2e8586;font-size:20px;font-weight:400}
.faq-item[open] summary:after{content:"−"}
.faq-answer{padding:0 4px 17px}
.faq-answer p{margin:0!important;color:#687478!important;font-size:12px!important;line-height:1.72!important}
/* Sources */
.sources{margin:40px 0 0;padding:21px 22px;border:1px solid #e0e8e8;border-radius:18px;background:#fbfdfd}
.sources>strong{display:block;color:#3b4548;font-size:13px}
.sources p{margin:7px 0 12px;color:#7d878a;font-size:10.5px;line-height:1.6}
.sources div{display:flex;flex-wrap:wrap;gap:7px}
.sources a{padding:7px 9px;border:1px solid #dce8e8;border-radius:999px;background:#fff;color:#347f80!important;text-decoration:none!important;font-size:9px!important;font-weight:800!important}
/* Related */
.related-eyebrow{display:block;margin-top:58px;color:#2e8485;font-size:9px;font-weight:900;letter-spacing:.10em;text-transform:uppercase}
.related-title{margin:8px 0 20px!important;padding:0!important;border:0!important}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-bottom:25px}
.related-card{overflow:hidden;border:1px solid #e0e8e8;border-radius:17px;background:#fff}
.related-card img{width:100%;height:145px;object-fit:cover}
.related-card span,.related-card h3,.related-card h4,.related-card small{display:block;margin-left:14px;margin-right:14px}
.related-card span{margin-top:12px;color:#2e8384;font-size:8px;font-weight:850;letter-spacing:.05em;text-transform:uppercase}
.related-card h3,.related-card h4{margin-top:5px;margin-bottom:7px;color:#343b3e;font-size:12px;line-height:1.4}
.related-card small{margin-bottom:14px;color:#949b9e;font-size:8.5px}
/* Sidebar */
.sidebar{position:sticky;top:95px;align-self:start;height:max-content}
.widget{margin-bottom:34px}
.widget-title{margin:0 0 15px;padding-bottom:10px;border-bottom:2px solid #30373a;color:#31393c;font-size:13px;font-weight:800}
.desktop-toc ol{margin:0;padding-left:18px}
.desktop-toc li{margin:8px 0;color:#7e898c;font-size:10.5px;line-height:1.45}
.desktop-toc a{color:#657276;text-decoration:none}
.desktop-toc a:hover,.desktop-toc a.is-active{color:#278283;font-weight:800}
.tags{display:flex;gap:7px;flex-wrap:wrap}
.tags a{padding:7px 9px;border-radius:999px;background:#f0f6f6;color:#547173;text-decoration:none;font-size:8.5px;font-weight:800;text-transform:uppercase}
.sidebar-housefinan-cta{min-height:290px;aspect-ratio:1/1;padding:26px;border-radius:24px;display:flex;flex-direction:column;justify-content:flex-end;position:relative;overflow:hidden;background:radial-gradient(circle at 82% 18%,rgba(121,204,203,.30),transparent 36%),linear-gradient(145deg,#292d32 0%,#383d43 100%);color:#fff!important;text-decoration:none!important;box-shadow:0 18px 45px rgba(34,39,44,.13)}
.sidebar-housefinan-cta:before,.sidebar-housefinan-cta:after{content:"";position:absolute;border:1px solid rgba(255,255,255,.13);border-radius:50%}
.sidebar-housefinan-cta:before{width:120px;height:120px;top:-40px;right:-35px}
.sidebar-housefinan-cta:after{width:78px;height:78px;top:-12px;right:-6px;border-color:rgba(121,204,203,.26)}
.sidebar-housefinan-cta__eyebrow{position:relative;z-index:1;width:max-content;margin-bottom:auto;padding:7px 9px;border-radius:999px;background:rgba(255,255,255,.09);color:#9de2e0;font-size:8.5px;font-weight:900;letter-spacing:.08em}
.sidebar-housefinan-cta strong{position:relative;z-index:1;display:block;color:#fff!important;font-size:20px;line-height:1.13;letter-spacing:-.025em;margin-bottom:11px}
.sidebar-housefinan-cta__text{position:relative;z-index:1;display:block;color:rgba(255,255,255,.70);font-size:10.5px;line-height:1.5;margin-bottom:16px}
.sidebar-housefinan-cta__button{position:relative;z-index:1;min-height:44px;padding:0 13px;border-radius:12px;display:flex;align-items:center;justify-content:space-between;gap:10px;background:#8bd8d6;color:#243536;font-size:9px;font-weight:900;letter-spacing:.025em;text-transform:uppercase}
/* Bottom band, equivalent to template newsletter */
.newsletter{margin-top:74px;padding:48px 0;background:#f1f8f8;border-top:1px solid #e0eaea}
.newsletter-inner{display:grid;grid-template-columns:1fr auto;gap:55px;align-items:center}
.newsletter h3{max-width:720px;margin:0;color:#30373a;font-size:24px;line-height:1.18;letter-spacing:-.025em}
.newsletter p{max-width:680px;margin:7px 0 0;color:#728084;font-size:11px}
.newsletter-cta{min-height:48px;padding:0 20px;border-radius:999px;background:#30343a;color:#fff!important;text-decoration:none!important;display:inline-flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;white-space:nowrap}
/* Mobile float */
.hf-mobile-float{display:none}
@media(max-width:700px){
  .hf-mobile-float{position:fixed;left:12px;right:12px;bottom:max(12px,env(safe-area-inset-bottom));z-index:1350;width:auto;max-width:430px;margin-inline:auto;padding:14px;border:1px solid rgba(255,255,255,.12);border-radius:19px;display:grid;grid-template-columns:1fr;gap:10px;background:rgba(43,47,52,.97);box-shadow:0 20px 55px rgba(28,33,37,.30);backdrop-filter:blur(14px);opacity:0;visibility:hidden;transform:translateY(18px) scale(.985);transition:opacity .24s ease,transform .24s ease,visibility .24s ease;pointer-events:none}
  .hf-mobile-float.is-visible{opacity:1;visibility:visible;transform:none;pointer-events:auto}
  .hf-mobile-float strong{display:block;color:#fff;font-size:15px;line-height:1.25}
  .hf-mobile-float__cta{width:100%;min-height:48px;padding:0 16px;border-radius:13px;background:#8bd8d6;color:#213839!important;text-decoration:none!important;display:inline-flex;align-items:center;justify-content:center;gap:8px;font-size:10px;font-weight:900;letter-spacing:.02em;text-transform:uppercase}
}
/* Desktop sticky sidebar: keep the Housefinan CTA visible even on long articles */
@media(min-width:981px){
  .sidebar{
    position:sticky;
    top:95px;
    align-self:start;
    height:calc(100vh - 115px);
    max-height:calc(100vh - 115px);
    display:flex;
    flex-direction:column;
    overflow:hidden;
  }
  .sidebar>.widget{flex:0 0 auto}
  .sidebar>.desktop-toc{
    flex:1 1 auto;
    min-height:92px;
    display:flex;
    flex-direction:column;
    overflow:hidden;
  }
  .sidebar>.desktop-toc .widget-title{flex:0 0 auto}
  .sidebar>.desktop-toc ol{
    flex:1 1 auto;
    min-height:0;
    overflow-y:auto;
    overscroll-behavior:contain;
    padding-right:8px;
    scrollbar-width:thin;
    scrollbar-color:#c9d7d7 transparent;
  }
  .sidebar>.desktop-toc ol::-webkit-scrollbar{width:4px}
  .sidebar>.desktop-toc ol::-webkit-scrollbar-thumb{background:#c9d7d7;border-radius:999px}
  .sidebar>.desktop-toc ol::-webkit-scrollbar-track{background:transparent}
  .sidebar-housefinan-cta-widget{margin-bottom:0}
}
@media(min-width:981px) and (max-height:780px){
  .sidebar{height:calc(100vh - 108px);max-height:calc(100vh - 108px)}
  .widget{margin-bottom:20px}
  .sidebar-housefinan-cta{min-height:220px;aspect-ratio:auto;padding:21px}
  .sidebar-housefinan-cta strong{font-size:17px}
  .sidebar-housefinan-cta__text{margin-bottom:12px;font-size:10px}
  .sidebar-housefinan-cta__button{min-height:40px}
  .desktop-toc li{margin:6px 0}
}

/* Tablet */

@media(max-width:980px){
  .article-layout{grid-template-columns:minmax(0,1fr);gap:36px}
  .sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:32px}
  .sidebar-housefinan-cta-widget{grid-column:1/-1}
  .sidebar-housefinan-cta{min-height:220px;aspect-ratio:auto}
}

@media(max-width:700px){
  .container{width:calc(100% - 30px)}
  .breadcrumbs .container{padding:12px 0;font-size:10px;line-height:1.5}
  .article-layout{padding-top:26px}
  .article-title{font-size:clamp(31px,8.7vw,37px);line-height:1.06;max-width:none}
  .dek{margin-top:14px;font-size:15px}
  .date-row{gap:7px 10px;line-height:1.45}
  .date-row span+span:before{margin-right:8px}
  .author-card{grid-template-columns:48px minmax(0,1fr);padding:14px}
  .author-card img{width:48px;height:48px}
  .author-card>a{grid-column:2;justify-self:start}
  .hero{margin:24px 0 26px;border-radius:18px}
  .article-body{font-size:15px;line-height:1.69}
  .article-body h2{margin-top:44px;font-size:clamp(24px,6.8vw,28px);line-height:1.18}
  .toc-head{min-height:50px;padding:13px 14px;text-align:left}
  .toc-body{padding:0 14px 16px}
  .niche-cta{align-items:flex-start;flex-direction:column;padding:19px}
  .niche-cta .cta-button{width:100%;min-height:47px}
  .article-image{margin:24px 0 26px;border-radius:17px}
  .article-image img{height:235px}
  .related-grid{grid-template-columns:1fr;gap:20px}
  .related-card img{height:165px}
  .sidebar{grid-template-columns:1fr;gap:28px}
  .desktop-toc{display:none}
  .newsletter{margin-top:58px;padding:38px 0}
  .newsletter-inner{grid-template-columns:1fr;gap:19px}
  .newsletter h3{font-size:22px}
  .newsletter-cta{width:100%;min-height:50px}
}
@media(max-width:420px){
  .container{width:calc(100% - 24px)}
  .article-title{font-size:30px}
  .article-image img{height:210px}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.sources-copy{margin:7px 0 12px;color:#7d878a;font-size:10.5px;line-height:1.6}

/* Visual polish: article author block + related article links */
.author-card{
  grid-template-columns:56px minmax(0,1fr) auto;
  gap:14px 16px;
  padding:16px 18px;
  border-radius:18px;
  box-shadow:0 8px 24px rgba(38,48,52,.035);
}
.author-card>div{min-width:0}
.author-card strong{font-size:13px;line-height:1.25}
.author-card span{margin-top:4px;font-size:10.5px;line-height:1.45}
.author-card>a{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:38px;
  padding:0 14px;
  border:1px solid #cfe7e6;
  border-bottom:1px solid #cfe7e6;
  border-radius:999px;
  background:#f4fbfb;
  color:#2f7778;
  font-size:9.5px;
  font-weight:850;
  line-height:1;
  text-decoration:none;
  white-space:nowrap;
  transition:background .18s ease,border-color .18s ease,transform .18s ease;
}
.author-card>a:hover{background:#eaf7f6;border-color:#afd8d6;transform:translateY(-1px)}
.author-card>a:focus-visible{outline:3px solid rgba(121,204,203,.28);outline-offset:2px}

.related-card{
  display:flex;
  flex-direction:column;
  min-height:100%;
}
.related-card h3,.related-card h4{min-height:3.35em}
.related-card small{margin-bottom:0}
.related-card-link{
  align-self:stretch;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:10px;
  min-height:40px;
  margin:14px 14px 14px;
  padding:0 13px;
  border:1px solid #cfe7e6;
  border-radius:12px;
  background:#f2f9f9;
  color:#2f7778!important;
  font-size:9.5px!important;
  font-weight:850!important;
  line-height:1.2;
  text-decoration:none!important;
  transition:background .18s ease,border-color .18s ease,transform .18s ease;
}
.related-card-link:hover{background:#e7f5f4;border-color:#aed8d6;transform:translateY(-1px)}
.related-card-link:focus-visible{outline:3px solid rgba(121,204,203,.28);outline-offset:2px}

@media(max-width:700px){
  .author-card{
    grid-template-columns:48px minmax(0,1fr);
    gap:12px 13px;
    padding:14px;
  }
  .author-card>a{
    grid-column:1/-1;
    width:auto;
    max-width:100%;
    min-height:42px;
    margin-top:2px;
    justify-self:stretch;
  }
  .related-card h3,.related-card h4{min-height:0}
  .related-card-link{min-height:44px;margin-top:12px}
}

/* housefinan-site-v3.css */
/* Housefinan · refinamiento global 2026
   Capa final compartida: accesibilidad, ritmo visual, cabecera, footer y home. */
:root{
  --hf-accent:#42c8c7;
  --hf-accent-strong:#2fb7b6;
  --hf-accent-dark:#157f80;
  --hf-ink:#22252b;
  --hf-muted:#626872;
  --hf-line:#dce7e7;
  --hf-surface:#f6fbfb;
  --hf-ease:cubic-bezier(.2,.7,.2,1);
}

html{scroll-padding-top:82px}
body{text-wrap:pretty}
img{max-width:100%;height:auto}

/* Accesibilidad */
.hf-skip-link{
  position:fixed;z-index:1000;left:16px;top:10px;
  padding:10px 14px;border-radius:999px;background:#22252b;color:#fff;
  font:700 12px/1.2 Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  text-decoration:none;box-shadow:0 10px 28px rgba(0,0,0,.18);
  transform:translateY(-160%);transition:transform .18s ease;
}
.hf-skip-link:focus{transform:none}
:where(a,button,input,select,textarea,summary):focus-visible{
  outline:3px solid rgba(66,200,199,.42)!important;
  outline-offset:3px!important;
}
@supports(selector(:focus-visible)){
  :where(a,button,input,select,textarea,summary):focus:not(:focus-visible){outline:none}
}

/* Cabecera: menos alta, más editorial y con espacio para Blog */
.site-header .header-inner{
  width:min(1180px,calc(100% - 48px))!important;
  min-height:70px!important;
  gap:22px!important;
}
.site-header.scrolled .header-inner{min-height:64px!important}
.site-header .brand-logo,.site-header .brand img{width:142px!important}
.site-header .desktop-nav{gap:4px!important}
.site-header .desktop-nav a{min-height:38px!important;padding:7px 12px!important;font-size:12.5px!important}
.site-header .header-actions > a.hf-header-cta{min-height:40px!important;padding-inline:17px!important}
.language-trigger{height:40px;min-width:76px}
.language-flag-image,.language-option-flag-image{border-radius:5px!important;object-fit:cover!important}
.language-flag-image{width:20px!important;height:15px!important}
.language-option-flag-image{width:23px!important;height:17px!important}

/* Footer: legales legibles y navegación algo más clara */
.hf-footer{padding-top:58px}
.hf-footer-main{gap:44px}
.hf-footer-nav a{font-size:12.25px}
.hf-footer-legal{gap:38px}
.hf-footer-legal p{font-size:10.5px!important;line-height:1.76!important;color:#687075!important}

/* HOME — hero con jerarquía más limpia */
.hero-inner{
  min-height:580px!important;
  grid-template-columns:minmax(0,.96fr) minmax(0,1.04fr)!important;
  gap:clamp(42px,5vw,68px)!important;
  padding-block:48px 58px!important;
}
.hero-copy{max-width:590px!important}
.hero h1{
  max-width:15ch!important;
  margin-bottom:18px!important;
  font-size:clamp(38px,3.45vw,50px)!important;
  line-height:1.045!important;
  letter-spacing:-.043em!important;
}
.hero-copy .lead{max-width:51ch!important;font-size:clamp(15px,1.06vw,16.5px)!important;line-height:1.72!important}
.hero-actions{margin-top:1px}
.hero-actions .button{min-height:49px}
.trust-mini{gap:10px 16px!important;margin-top:23px!important;padding-top:17px!important}
.trust-mini span{font-size:10.5px!important}
.hero-visual{max-width:570px!important;min-height:455px!important}
.hero-stage{width:min(100%,515px)!important;border-radius:38px 38px 104px 38px!important}
.hero-visual:before{border-radius:44px 44px 116px 44px!important}
.hero-float{min-width:162px!important;padding:10px 12px!important}
.hero-float-advisor{right:-3px!important;top:64px!important}
.hero-float-digital{left:-12px!important;bottom:47px!important}
.hero-stage-label{font-size:9px!important}
.quality-track{animation-duration:42s!important}

/* Menos scroll vacío entre bloques; mantiene el carácter premium */
.journey,.benefits,.calculator-section,.process,.experience,.faq{padding-top:92px!important;padding-bottom:92px!important}
.split{padding-block:94px!important}
.clarity .split{padding-block:94px!important}
.process-heading{padding-top:76px!important;padding-bottom:68px!important}

/* Tarjetas: más contraste al pasar el cursor, sin exagerar */
.benefit-card,.mini-card,.step,.calculator,.faq-list,.house-card{
  transition:transform .28s var(--hf-ease),box-shadow .28s ease,border-color .28s ease,background .28s ease;
}
@media(hover:hover){
  .calculator:hover,.faq-list:hover,.house-card:hover{box-shadow:0 24px 68px rgba(31,72,76,.10)}
}

/* Home: bloque editorial del blog sustituye una sección repetitiva */
.home-guides{padding:92px 0;background:#fff}
.home-guides-head{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,.65fr);gap:60px;align-items:end;margin-bottom:32px}
.home-guides-head .section-title{margin-bottom:0;max-width:13ch}
.home-guides-head .lead{justify-self:end;max-width:42ch}
.home-guide-card{
  display:grid;grid-template-columns:minmax(280px,.82fr) minmax(0,1.18fr);overflow:hidden;
  border:1px solid #e0eaea;border-radius:30px;background:#f8fbfb;
  box-shadow:0 18px 54px rgba(28,63,67,.065);
}
.home-guide-media{position:relative;min-height:320px;overflow:hidden;background:#dfeeed}
.home-guide-media img{width:100%;height:100%;object-fit:cover;transition:transform .65s var(--hf-ease)}
.home-guide-media:after{content:"";position:absolute;inset:0;background:linear-gradient(135deg,transparent 55%,rgba(30,55,58,.08))}
.home-guide-body{display:flex;flex-direction:column;justify-content:center;padding:42px 46px}
.home-guide-kicker{margin:0 0 14px;color:var(--hf-accent-dark);font-size:10px;font-weight:850;letter-spacing:.09em;text-transform:uppercase}
.home-guide-body h3{max-width:18ch;margin:0 0 13px;font-size:clamp(27px,3vw,40px);line-height:1.05;letter-spacing:-.04em}
.home-guide-body p{max-width:48ch;margin:0 0 24px;color:#626b70;font-size:14px;line-height:1.72}
.home-guide-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.home-guide-link{display:inline-flex;align-items:center;gap:7px;color:#2d7778;font-size:12px;font-weight:820;text-decoration:none}
.home-guide-link span{transition:transform .2s ease}
.home-guide-link:hover span{transform:translateX(3px)}
@media(hover:hover){.home-guide-card:hover .home-guide-media img{transform:scale(1.025)}}

/* CTA final: nunca queda solapado con el footer */
.cta{padding:54px 0 72px!important}
.cta-inner{
  top:0!important;
  min-height:244px!important;
  grid-template-columns:minmax(230px,.76fr) minmax(0,1.24fr)!important;
  gap:34px!important;
  padding:42px 48px!important;
}
.cta h2{max-width:10.5ch!important;font-size:clamp(36px,4vw,52px)!important;line-height:1!important}
.cta-copy p{margin:0!important;max-width:38ch!important;color:#cdd2d4!important;font-size:13px!important;line-height:1.6!important}
.cta-actions{width:100%!important;max-width:610px!important;justify-self:end!important;display:grid!important;grid-template-columns:minmax(0,1fr) auto!important;gap:10px!important}
.cta-actions .button{min-width:0!important;min-height:50px!important;white-space:normal!important;text-align:center!important;line-height:1.2!important}

/* Formularios: controles y feedback más claros */
input,select,textarea{accent-color:var(--hf-accent-strong)}
form :is(input,select,textarea):user-invalid{border-color:#c96d6d}
form :is(input,select,textarea):user-valid:not([type="checkbox"]){border-color:#9bcfce}
button[disabled]{cursor:wait;opacity:.72;transform:none!important}

/* Blog: elimina dependencia visual de una fuente externa */
.blog-search::placeholder{color:#687277;opacity:1}
.blog-filter{min-height:38px}

@media(max-width:1020px){
  .cta-inner{grid-template-columns:1fr!important;gap:22px!important}
  .cta-actions{justify-self:start!important;max-width:620px!important}
}
@media(max-width:900px){
  html{scroll-padding-top:72px}
  .site-header .header-inner{width:min(100% - 30px,760px)!important;min-height:62px!important}
  .site-header.scrolled .header-inner{min-height:60px!important}
  .site-header .brand-logo,.site-header .brand img{width:122px!important}
  .hero-inner{grid-template-columns:1fr!important;gap:34px!important;padding-block:42px 52px!important}
  .hero h1{max-width:15.2ch!important;font-size:clamp(38px,6.3vw,50px)!important}
  .hero-visual{width:min(100%,600px)!important;max-width:600px!important;min-height:0!important}
  .hero-stage{width:min(92%,520px)!important}
  .home-guides{padding:78px 0}
  .home-guides-head{grid-template-columns:1fr;gap:12px}
  .home-guides-head .lead{justify-self:start;max-width:54ch}
  .home-guide-card{grid-template-columns:1fr}
  .home-guide-media{min-height:300px}
  .home-guide-body{padding:34px 36px}
  .journey,.benefits,.calculator-section,.process,.experience,.faq{padding-top:80px!important;padding-bottom:80px!important}
  .split,.clarity .split{padding-block:82px!important}
}
@media(max-width:640px){
  body{overflow-wrap:anywhere}
  .hf-footer-legal p{font-size:10px!important}
  .hero-inner{gap:24px!important;padding-block:32px 38px!important}
  .hero h1{max-width:14.7ch!important;font-size:clamp(33px,9vw,40px)!important;line-height:1.05!important}
  .hero-copy .lead{font-size:14px!important}
  .hero-stage{width:96%!important}
  .hero-float{min-width:140px!important;padding:8px 9px!important}
  .hero-float-advisor{top:34px!important;right:0!important}
  .hero-float-digital{left:0!important;bottom:24px!important}
  .trust-mini{grid-template-columns:1fr 1fr!important}
  .trust-mini span:nth-child(2){grid-column:auto!important;order:initial!important}
  .home-guides{padding:70px 0}
  .home-guide-media{min-height:220px}
  .home-guide-body{padding:26px 22px}
  .home-guide-body h3{font-size:28px}
  .home-guide-actions{align-items:stretch;flex-direction:column}
  .home-guide-actions .button,.home-guide-link{width:100%;justify-content:center}
  .journey,.benefits,.calculator-section,.process,.experience,.faq{padding-top:70px!important;padding-bottom:70px!important}
  .split,.clarity .split{padding-block:72px!important}
  .process-heading{padding-top:60px!important;padding-bottom:54px!important}
  .cta{padding:36px 0 52px!important}
  .cta-inner{gap:19px!important;padding:30px 22px!important;border-radius:24px!important}
  .cta h2{font-size:34px!important}
  .cta-actions{grid-template-columns:1fr!important;max-width:none!important}
  .cta-actions .button{width:100%!important}
}
@media(max-width:390px){
  .hero h1{font-size:33px!important}
  .hero-float-digital{display:none!important}
  .trust-mini{grid-template-columns:1fr!important}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto!important}
  *,*:before,*:after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .quality-track{transform:none!important}
}

/* Ajustes de primera pantalla en páginas secundarias */
.page-about .about-hero-inner{min-height:570px!important;padding:52px 0 60px!important;gap:clamp(46px,5vw,72px)!important}
.page-about .about-hero h1{font-size:clamp(38px,3.65vw,52px)!important;line-height:1.04!important;max-width:15ch!important}
.page-about .about-visual{max-width:555px!important;min-height:450px!important}
.page-contact .hero{padding:58px 0 54px!important}
.page-contact .hero-grid{gap:58px!important}
.page-contact .hero h1{font-size:clamp(38px,4.15vw,56px)!important;line-height:1.02!important;max-width:12ch!important}
.page-contact .hero-copy>p:not(.eyebrow){font-size:16px!important;line-height:1.72!important}
.page-contact .hero-card{min-height:430px!important}
.page-blog .blog-hero{padding:72px 0 62px!important}
.page-blog .blog-hero-grid{gap:58px!important}
.page-blog .blog-hero h1{font-size:clamp(42px,4.7vw,62px)!important;line-height:1!important}
.page-blog .blog-hero-copy{font-size:16px!important}

@media(max-width:900px){
  .page-about .about-hero-inner{min-height:0!important;padding:42px 0 50px!important}
  .page-contact .hero{padding:42px 0 44px!important}
  .page-contact .hero-card{min-height:350px!important}
  .page-blog .blog-hero{padding:54px 0 50px!important}
}
@media(max-width:560px){
  .page-about .about-hero h1,.page-contact .hero h1{font-size:36px!important}
  .page-contact .hero-card{min-height:285px!important}
  .page-blog .blog-hero h1{font-size:42px!important}
}

/* Housefinan NL — AFM register badge */
.hf-footer-afm{
  display:flex;
  align-items:center;
  margin-top:18px;
}
.hf-footer-afm-link{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-width:168px;
  max-width:100%;
  padding:12px 14px;
  border:1px solid rgba(112,199,199,.35);
  border-radius:16px;
  background:#f1f8fd;
  box-shadow:0 10px 24px rgba(24,29,33,.08);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease, background-color .18s ease;
}
.hf-footer-afm-link:hover{
  transform:translateY(-2px);
  border-color:rgba(112,199,199,.65);
  background:#eef7fc;
  box-shadow:0 14px 28px rgba(24,29,33,.12);
}
.hf-footer-afm-link:focus-visible{
  outline:3px solid rgba(112,199,199,.38);
  outline-offset:3px;
}
.hf-footer-afm-link img{
  display:block;
  width:136px;
  height:auto;
  max-width:100%;
}
@media(max-width:800px){
  .hf-footer-afm{margin-top:16px}
  .hf-footer-afm-link{min-width:160px;padding:11px 13px}
  .hf-footer-afm-link img{width:130px}
}
@media(max-width:430px){
  .hf-footer-afm-link{min-width:150px;padding:10px 12px}
  .hf-footer-afm-link img{width:122px}
}

/* Housefinan compact footer knowledge navigator */
.hf-footer-mini-nav{
  display:grid;
  grid-template-columns:minmax(190px,.9fr) minmax(170px,.8fr) minmax(300px,1.35fr) auto;
  gap:14px 18px;
  align-items:center;
  margin:24px 0 0;
  padding:14px 16px;
  border:1px solid #dfe9e8;
  border-radius:16px;
  background:linear-gradient(135deg,#ffffff 0%,#f8fbfb 100%);
  box-shadow:0 8px 22px rgba(31,55,61,.045);
}
.hf-footer-mini-intro{min-width:0}
.hf-footer-mini-eyebrow{
  display:block;
  margin:0 0 4px;
  color:#2f8182;
  font-size:9px;
  line-height:1.2;
  font-weight:850;
  letter-spacing:.09em;
  text-transform:uppercase;
}
.hf-footer-mini-title{
  margin:0;
  color:#19383d;
  font-size:15px;
  line-height:1.2;
  font-weight:840;
}
.hf-footer-mini-desc{
  margin:4px 0 0;
  color:#778188;
  font-size:10.5px;
  line-height:1.45;
}
.hf-footer-mini-chips{
  display:flex;
  flex-wrap:wrap;
  gap:6px;
  min-width:0;
}
.hf-footer-mini-chip{
  display:inline-flex;
  align-items:center;
  min-height:26px;
  padding:6px 8px;
  border:1px solid #dce9e8;
  border-radius:999px;
  background:#fff;
  color:#4f696f;
  font-size:9.5px;
  line-height:1;
  font-weight:760;
  white-space:nowrap;
}
.hf-footer-mini-links{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:8px;
  min-width:0;
}
.hf-footer-mini-link{
  position:relative;
  display:grid!important;
  grid-template-columns:minmax(0,1fr) auto;
  gap:2px 8px;
  align-items:center;
  min-width:0;
  padding:9px 10px!important;
  border:1px solid #e1e9e8;
  border-radius:11px;
  background:#fff;
  color:#263f44!important;
  transform:none!important;
  transition:border-color .18s ease,background .18s ease,transform .18s ease!important;
}
.hf-footer-mini-link:hover{
  border-color:#c7dddd;
  background:#fbfefe;
  transform:translateY(-1px)!important;
}
.hf-footer-mini-status{
  grid-column:1/2;
  color:#3a8586;
  font-size:8px;
  line-height:1.15;
  font-weight:820;
  letter-spacing:.06em;
  text-transform:uppercase;
}
.hf-footer-mini-link strong{
  grid-column:1/2;
  overflow:hidden;
  color:#253e43;
  font-size:10.5px;
  line-height:1.28;
  font-weight:780;
  text-overflow:ellipsis;
  white-space:nowrap;
}
.hf-footer-mini-arrow{
  grid-column:2/3;
  grid-row:1/3;
  color:#2f8082;
  font-size:13px;
  font-weight:850;
  transition:transform .18s ease;
}
.hf-footer-mini-link:hover .hf-footer-mini-arrow{transform:translateX(2px)}
.hf-footer-mini-browse{
  display:inline-flex!important;
  align-items:center;
  justify-content:center;
  gap:7px;
  min-height:36px;
  padding:8px 11px!important;
  border:1px solid #cde1e0;
  border-radius:11px;
  background:#eef7f6!important;
  color:#236e70!important;
  font-size:10px!important;
  line-height:1.1!important;
  font-weight:820!important;
  white-space:nowrap;
  transform:none!important;
  transition:background .18s ease,border-color .18s ease,transform .18s ease!important;
}
.hf-footer-mini-browse:hover{
  background:#e3f2f1!important;
  border-color:#bcd9d7;
  color:#195f61!important;
  transform:translateY(-1px)!important;
}
.hf-footer-mini-link:focus-visible,
.hf-footer-mini-browse:focus-visible{
  outline:3px solid rgba(112,199,199,.28);
  outline-offset:2px;
}
.hf-footer-mini-link[aria-current="page"],
.hf-footer-mini-browse[aria-current="page"]{
  border-color:#9fcaca;
}
@media(max-width:1020px){
  .hf-footer-mini-nav{
    grid-template-columns:1fr 1fr;
  }
  .hf-footer-mini-links{grid-column:1/-1}
  .hf-footer-mini-browse{justify-self:end}
}
@media(max-width:680px){
  .hf-footer-mini-nav{
    grid-template-columns:1fr;
    gap:10px;
    padding:13px;
    border-radius:14px;
  }
  .hf-footer-mini-chips{
    flex-wrap:nowrap;
    overflow:auto;
    padding-bottom:2px;
    scrollbar-width:none;
  }
  .hf-footer-mini-chips::-webkit-scrollbar{display:none}
  .hf-footer-mini-links{
    grid-column:auto;
    grid-template-columns:1fr;
  }
  .hf-footer-mini-browse{
    justify-self:stretch;
    width:100%!important;
  }
}

/* HF article calculation/table components · responsive-safe 20260821 */
/* Grid children must be allowed to shrink; otherwise wide tables can enlarge the
   article track and visually collide with the sticky sidebar. */
.article-layout>article,
.article-body{min-width:0;max-width:100%}

/* Keep article pages anchored to the viewport even if a future component has a
   large intrinsic width. Horizontal scrolling belongs inside explicit wrappers. */
html,
body.page-article{max-width:100%;overflow-x:clip}

.hf-formula-box{
  margin:24px 0;padding:22px 24px;border:1px solid rgba(21,60,66,.14);
  border-radius:18px;background:#f4fbfb;display:grid;gap:7px;min-width:0
}
.hf-formula-box>span{font-size:.72rem;font-weight:800;letter-spacing:.12em;color:#46777b}
.hf-formula-box>strong{font-size:clamp(1.04rem,2vw,1.28rem);line-height:1.45;color:#173d42;overflow-wrap:anywhere}
.hf-formula-box>small{font-size:.9rem;line-height:1.55;color:#527075}
.hf-key-points{margin:24px 0;padding:22px 24px;border-radius:18px;background:#f8faf9;border:1px solid rgba(21,60,66,.1);min-width:0}
.hf-key-points>strong{display:block;margin-bottom:8px;color:#173d42}
.hf-key-points ol{margin-top:8px}

/* Tables stay inside the editorial column on desktop. Long explanatory cells
   wrap instead of extending underneath the sidebar. */
.hf-data-table-wrap{
  width:100%;max-width:100%;min-width:0;box-sizing:border-box;margin:26px 0;
  overflow-x:auto;overflow-y:hidden;-webkit-overflow-scrolling:touch;
  overscroll-behavior-inline:contain;border:1px solid rgba(21,60,66,.12);
  border-radius:18px;background:#fff
}
.hf-data-table{
  width:100%;max-width:100%;min-width:0;border-collapse:collapse;
  table-layout:fixed;font-size:.92rem;background:#fff
}
.hf-data-table caption{
  caption-side:top;text-align:left;padding:18px 20px 10px;font-weight:800;
  line-height:1.35;color:#173d42;white-space:normal;overflow-wrap:anywhere
}
.hf-data-table th,.hf-data-table td{
  padding:13px 16px;text-align:left;vertical-align:top;
  border-top:1px solid rgba(21,60,66,.09);white-space:normal;
  overflow-wrap:anywhere;word-break:normal
}
.hf-data-table th{
  background:#f5fbfa;color:#355c61;font-size:.78rem;line-height:1.35;
  letter-spacing:.03em;text-transform:uppercase
}
.hf-data-table td{color:#2c4d52;line-height:1.5}
.hf-data-table tbody tr:nth-child(even){background:#fbfdfc}

@media(max-width:700px){
  .hf-formula-box,.hf-key-points{padding:18px}
  .hf-data-table-wrap{margin:23px 0;border-radius:15px}
  /* On phones the table itself remains comfortably readable and scrolls only
     inside its wrapper; the page and footer keep the normal article padding. */
  .hf-data-table{width:620px;max-width:none;min-width:620px;table-layout:auto;font-size:.86rem}
  .hf-data-table caption{padding:15px 13px 9px;font-size:.94rem}
  .hf-data-table th,.hf-data-table td{padding:11px 13px;white-space:normal}
  .hf-mobile-float{
    left:max(12px,env(safe-area-inset-left))!important;
    right:max(12px,env(safe-area-inset-right))!important;
    width:auto!important;max-width:calc(100vw - 24px)!important;
    margin-inline:auto!important;box-sizing:border-box
  }
  .hf-footer-inner,.hf-footer-main,.hf-footer-mega,.hf-footer-directory-nav,
  .hf-footer-directory-head,.hf-footer-directory-panel,.hf-footer-directory-grid{
    min-width:0;max-width:100%
  }
}
@media(max-width:420px){
  .hf-data-table{width:560px;min-width:560px}
}

/* =========================================================
   Housefinan NL article compatibility · 2026-08-24
   Keeps Dutch contributor markup visually aligned with the
   canonical Housefinan article template without changing content.
   ========================================================= */
html[lang="nl-NL"] body.page-article .article-body .faq{
  margin-top:54px!important;
  padding-top:0!important;
  padding-bottom:0!important;
  background:transparent!important;
}
html[lang="nl-NL"] body.page-article .article-body .faq>h2{margin-bottom:10px}
html[lang="nl-NL"] body.page-article .article-body .faq>p{color:#6b777a;margin-bottom:18px}
html[lang="nl-NL"] body.page-article .article-body .faq details{
  border-top:1px solid #dfe7e7;
}
html[lang="nl-NL"] body.page-article .article-body .faq details:last-of-type{
  border-bottom:1px solid #dfe7e7;
}
html[lang="nl-NL"] body.page-article .article-body .faq details>summary{
  list-style:none;cursor:pointer;min-height:58px;padding:15px 4px;
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  color:#323b3e;font-size:13px;font-weight:780;line-height:1.4;
}
html[lang="nl-NL"] body.page-article .article-body .faq details>summary::-webkit-details-marker{display:none}
html[lang="nl-NL"] body.page-article .article-body .faq details>summary:after{
  content:"+";flex:0 0 auto;color:#2e8586;font-size:20px;font-weight:400;
}
html[lang="nl-NL"] body.page-article .article-body .faq details[open]>summary:after{content:"−"}
html[lang="nl-NL"] body.page-article .article-body .faq details>.faq-answer,
html[lang="nl-NL"] body.page-article .article-body .faq details>p{
  margin:0!important;padding:0 4px 17px!important;color:#687478!important;
  font-size:12px!important;line-height:1.72!important;
}
html[lang="nl-NL"] body.page-article .article-body .faq details>.faq-answer p{
  margin:0!important;color:#687478!important;font-size:12px!important;line-height:1.72!important;
}

html[lang="nl-NL"] body.page-article .comparison-table-wrap{
  width:100%;max-width:100%;min-width:0;box-sizing:border-box;margin:26px 0;
  overflow-x:auto;overflow-y:hidden;-webkit-overflow-scrolling:touch;
  overscroll-behavior-inline:contain;border:1px solid rgba(21,60,66,.12);
  border-radius:18px;background:#fff;
}
html[lang="nl-NL"] body.page-article .comparison-table{
  width:100%;max-width:100%;min-width:0;border-collapse:collapse;
  table-layout:fixed;font-size:.92rem;background:#fff;
}
html[lang="nl-NL"] body.page-article .comparison-table th,
html[lang="nl-NL"] body.page-article .comparison-table td{
  padding:13px 16px;text-align:left;vertical-align:top;
  border-top:1px solid rgba(21,60,66,.09);white-space:normal;
  overflow-wrap:anywhere;word-break:normal;
}
html[lang="nl-NL"] body.page-article .comparison-table th{
  background:#f5fbfa;color:#355c61;font-size:.78rem;line-height:1.35;
  letter-spacing:.03em;text-transform:uppercase;
}
html[lang="nl-NL"] body.page-article .comparison-table td{color:#2c4d52;line-height:1.5}
html[lang="nl-NL"] body.page-article .comparison-table tbody tr:nth-child(even){background:#fbfdfc}
@media(max-width:700px){
  html[lang="nl-NL"] body.page-article .comparison-table-wrap{margin:23px 0;border-radius:15px}
  html[lang="nl-NL"] body.page-article .comparison-table{
    width:620px;max-width:none;min-width:620px;table-layout:auto;font-size:.86rem;
  }
  html[lang="nl-NL"] body.page-article .comparison-table th,
  html[lang="nl-NL"] body.page-article .comparison-table td{padding:11px 13px;white-space:normal}
}
@media(max-width:420px){
  html[lang="nl-NL"] body.page-article .comparison-table{width:560px;min-width:560px}
}