/* 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}
}

/* blog.css */

/* Housefinan Blog — editorial layer 2026 */
:root{
  --blog-ink:#24272c;--blog-muted:#687177;--blog-aqua:#79cccb;--blog-aqua-deep:#2f9f9f;
  --blog-pale:#effafa;--blog-line:#dfe9e9;--blog-paper:#fbfdfd;--blog-dark:#30333a;
  --blog-radius:28px;--blog-shadow:0 24px 70px rgba(25,53,57,.08)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--blog-ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit}.blog-shell{width:min(1180px,calc(100% - 48px));margin-inline:auto}.blog-eyebrow{display:flex;align-items:center;gap:10px;margin:0 0 17px;color:#347f80;font-size:11px;font-weight:850;letter-spacing:.12em;text-transform:uppercase}.blog-eyebrow:before{content:"";width:24px;height:2px;border-radius:20px;background:var(--blog-aqua)}
.blog-hero{position:relative;overflow:hidden;padding:86px 0 72px;background:linear-gradient(180deg,#f4fcfc 0%,#fff 88%)}.blog-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(84,152,151,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(84,152,151,.045) 1px,transparent 1px);background-size:54px 54px;mask-image:linear-gradient(to bottom,#000,transparent 92%);pointer-events:none}.blog-hero:after{content:"";position:absolute;width:540px;height:540px;border-radius:50%;right:-170px;top:-250px;background:radial-gradient(circle,rgba(121,204,203,.21),rgba(121,204,203,0) 69%);pointer-events:none}.blog-hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,.88fr) minmax(430px,1.12fr);gap:72px;align-items:end}.blog-hero h1{max-width:12ch;margin:0;font-size:clamp(45px,5.4vw,72px);line-height:.98;letter-spacing:-.055em;font-weight:890}.blog-hero h1 span{color:#64bebe}.blog-hero-copy{max-width:620px;margin:25px 0 0;color:var(--blog-muted);font-size:17px;line-height:1.72}.blog-search-panel{position:relative;padding:18px;border:1px solid rgba(202,225,225,.9);border-radius:26px;background:rgba(255,255,255,.82);box-shadow:0 22px 65px rgba(34,71,75,.07);backdrop-filter:blur(15px)}.blog-search-wrap{position:relative}.blog-search-wrap svg{position:absolute;left:18px;top:50%;width:19px;transform:translateY(-50%);color:#738085}.blog-search{width:100%;height:58px;padding:0 18px 0 49px;border:1px solid #dce9e9;border-radius:18px;outline:0;background:#fff;color:#2c3135;font:inherit;font-size:14px;box-shadow:inset 0 1px 0 rgba(20,50,55,.02);transition:border-color .2s,box-shadow .2s}.blog-search:focus{border-color:#80cfce;box-shadow:0 0 0 4px rgba(121,204,203,.14)}.blog-filters{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}.blog-filter{border:0;border-radius:999px;padding:9px 13px;background:#f1f6f6;color:#687176;font:inherit;font-size:10.5px;font-weight:790;cursor:pointer;transition:.2s}.blog-filter:hover,.blog-filter.is-active{background:#daf3f2;color:#256e6f}.blog-search-hint{margin:12px 4px 0;color:#899095;font-size:10px;line-height:1.5}
.blog-featured{padding:14px 0 72px}.featured-card{display:grid;grid-template-columns:1.05fr .95fr;min-height:480px;overflow:hidden;border:1px solid #dfebeb;border-radius:34px;background:#f7fbfb;box-shadow:var(--blog-shadow);text-decoration:none;transition:transform .28s ease,box-shadow .28s ease}.featured-card:hover{transform:translateY(-4px);box-shadow:0 30px 85px rgba(25,53,57,.12)}.featured-media{position:relative;min-height:420px;overflow:hidden;background:#dbeeee}.featured-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .7s cubic-bezier(.2,.7,.2,1)}.featured-card:hover .featured-media img{transform:scale(1.025)}.featured-number{position:absolute;left:24px;top:24px;display:grid;place-items:center;width:50px;height:50px;border-radius:17px;background:rgba(255,255,255,.91);backdrop-filter:blur(12px);font-weight:900;font-size:12px;box-shadow:0 12px 34px rgba(19,42,45,.1)}.featured-body{display:flex;flex-direction:column;justify-content:center;padding:58px}.article-kicker{display:flex;align-items:center;gap:8px;margin-bottom:18px;color:#317e7f;font-size:10.5px;font-weight:850;text-transform:uppercase;letter-spacing:.1em}.article-kicker span{padding:7px 10px;border-radius:999px;background:#dff4f3}.featured-body h2{max-width:9ch;margin:0;font-size:clamp(38px,4.5vw,59px);line-height:1.02;letter-spacing:-.05em}.featured-body p{max-width:45ch;margin:22px 0 0;color:#697278;font-size:14px;line-height:1.72}.featured-link{display:inline-flex;align-items:center;gap:11px;width:max-content;margin-top:30px;color:#2a6667;font-size:12px;font-weight:850}.featured-link i{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--blog-aqua);color:#173f40;font-style:normal;transition:transform .2s}.featured-card:hover .featured-link i{transform:translateX(3px)}
.blog-library{padding:68px 0 106px;border-top:1px solid #eef2f2}.section-head{display:flex;align-items:end;justify-content:space-between;gap:32px;margin-bottom:34px}.section-head h2{max-width:12ch;margin:0;font-size:clamp(34px,4vw,50px);line-height:1.03;letter-spacing:-.045em}.section-head p{max-width:46ch;margin:0;color:#798187;font-size:13px;line-height:1.65}.articles-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.article-card{position:relative;min-height:350px;display:flex;flex-direction:column;overflow:hidden;padding:26px;border:1px solid #e3ebeb;border-radius:25px;background:#fff;transition:transform .24s ease,border-color .24s ease,box-shadow .24s ease}.article-card:hover{transform:translateY(-3px);border-color:#cde5e4;box-shadow:0 20px 52px rgba(30,61,65,.075)}.article-card:before{content:"";position:absolute;width:180px;height:180px;border-radius:50%;right:-95px;bottom:-100px;background:rgba(121,204,203,.12);transition:transform .35s}.article-card:hover:before{transform:scale(1.14)}.article-top{display:flex;justify-content:space-between;align-items:center;gap:12px}.article-cat{font-size:9.5px;font-weight:830;letter-spacing:.07em;text-transform:uppercase;color:#6b777c}.soon-badge{padding:6px 9px;border-radius:999px;background:#f2f5f5;color:#8b9296;font-size:8.5px;font-weight:830}.article-card h3{max-width:13ch;margin:34px 0 0;font-size:26px;line-height:1.08;letter-spacing:-.035em}.article-card p{max-width:34ch;margin:14px 0 0;color:#7a8287;font-size:12px;line-height:1.65}.article-card-footer{position:relative;margin-top:auto;padding-top:34px;display:flex;align-items:center;justify-content:space-between;color:#95a0a3;font-size:9.5px;font-weight:700}.article-card-footer .dot{width:34px;height:34px;border-radius:50%;background:#eef7f7}.articles-empty{display:none;grid-column:1/-1;padding:48px;border:1px dashed #ccdede;border-radius:24px;text-align:center;color:#707b80;background:#f8fbfb}.articles-empty.show{display:block}
.blog-cta{padding:0 0 96px}.blog-cta-card{position:relative;overflow:hidden;display:grid;grid-template-columns:1fr auto;gap:44px;align-items:center;padding:48px 52px;border-radius:30px;background:#30333a;color:#fff}.blog-cta-card:after{content:"";position:absolute;right:-90px;top:-130px;width:340px;height:340px;border-radius:50%;background:rgba(121,204,203,.14)}.blog-cta-card h2{position:relative;max-width:13ch;margin:0;font-size:clamp(32px,3.7vw,48px);line-height:1.02;letter-spacing:-.045em}.blog-cta-card p{position:relative;max-width:55ch;margin:15px 0 0;color:#ccd1d3;font-size:12px;line-height:1.65}.blog-cta-button{position:relative;z-index:2;display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 22px;border-radius:999px;background:var(--blog-aqua);color:#153d3e;text-decoration:none;font-size:11px;font-weight:850;box-shadow:0 12px 30px rgba(0,0,0,.16);transition:.2s}.blog-cta-button:hover{transform:translateY(-2px);background:#8bd7d6}
/* Article */
.article-hero{position:relative;overflow:hidden;padding:72px 0 52px;background:linear-gradient(180deg,#f1fbfb,#fff)}.article-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(84,152,151,.042) 1px,transparent 1px),linear-gradient(90deg,rgba(84,152,151,.042) 1px,transparent 1px);background-size:52px 52px;mask-image:linear-gradient(#000,transparent 90%)}.article-breadcrumb{position:relative;display:flex;align-items:center;gap:8px;margin-bottom:46px;color:#7a8388;font-size:10.5px;font-weight:700}.article-breadcrumb a{text-decoration:none}.article-breadcrumb a:hover{color:#2c8283}.article-hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,.94fr) minmax(380px,.76fr);gap:70px;align-items:center}.article-hero h1{max-width:13ch;margin:0;font-size:clamp(40px,5vw,62px);line-height:1.01;letter-spacing:-.052em}.article-dek{max-width:57ch;margin:25px 0 0;color:#697278;font-size:16px;line-height:1.72}.article-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}.article-meta span{padding:8px 11px;border:1px solid #dbe8e8;border-radius:999px;background:rgba(255,255,255,.75);color:#647075;font-size:9.5px;font-weight:750}.article-hero-media{position:relative;overflow:hidden;aspect-ratio:4/3;border-radius:30px;background:#d9eeee;box-shadow:0 25px 68px rgba(38,75,79,.12)}.article-hero-media img{width:100%;height:100%;display:block;object-fit:cover}.article-hero-media:after{content:"";position:absolute;inset:auto 18px 18px auto;width:88px;height:88px;border:1px solid rgba(255,255,255,.56);border-radius:28px;background:rgba(121,204,203,.68);backdrop-filter:blur(10px)}
.article-page{padding:64px 0 104px}.article-layout{display:grid;grid-template-columns:235px minmax(0,720px);justify-content:center;gap:68px;align-items:start}.article-toc{position:sticky;top:102px}.article-toc strong{display:block;margin-bottom:14px;color:#34393d;font-size:10px;text-transform:uppercase;letter-spacing:.09em}.article-toc nav{display:grid;gap:3px}.article-toc a{padding:8px 10px;border-radius:10px;color:#778085;text-decoration:none;font-size:10.5px;line-height:1.3;font-weight:680;transition:.18s}.article-toc a:hover,.article-toc a.is-active{background:#edf8f8;color:#277779}.article-toc-note{margin-top:22px;padding:15px;border:1px solid #e0e9e9;border-radius:15px;background:#fafcfc;color:#858c90;font-size:9px;line-height:1.55}.article-content{min-width:0}.article-content>p:first-of-type{font-size:18px;line-height:1.72;color:#4d555a}.article-content h2{scroll-margin-top:105px;margin:58px 0 18px;font-size:31px;line-height:1.12;letter-spacing:-.034em}.article-content h3{margin:32px 0 12px;font-size:19px;line-height:1.25;letter-spacing:-.02em}.article-content p,.article-content li{color:#60696e;font-size:14px;line-height:1.82}.article-content p{margin:0 0 20px}.article-content ul,.article-content ol{margin:16px 0 24px;padding-left:22px}.article-content li+li{margin-top:8px}.article-content strong{color:#30363a}.article-content a{color:#247f80;text-decoration-thickness:1px;text-underline-offset:3px}.article-summary{margin:32px 0 48px;padding:25px;border:1px solid #d4e9e8;border-radius:22px;background:#effafa}.article-summary strong{display:block;margin-bottom:14px;color:#277a7b;font-size:10px;letter-spacing:.09em;text-transform:uppercase}.article-summary ul{margin:0;padding-left:19px}.article-summary li{color:#455155;font-size:12.5px;line-height:1.65}.step-block{position:relative;margin:18px 0;padding:26px 26px 25px 72px;border:1px solid #e1eaea;border-radius:21px;background:#fff}.step-num{position:absolute;left:20px;top:22px;display:grid;place-items:center;width:37px;height:37px;border-radius:13px;background:#dff5f4;color:#257273;font-size:10px;font-weight:900}.step-block h3{margin:0 0 9px}.step-block p:last-child{margin-bottom:0}.article-callout{margin:34px 0;padding:25px 26px;border-left:4px solid var(--blog-aqua);border-radius:0 20px 20px 0;background:#f6f9f9}.article-callout strong{display:block;margin-bottom:6px}.article-sources{margin-top:62px;padding-top:28px;border-top:1px solid #e6ecec}.article-sources h2{margin-top:0;font-size:23px}.article-sources ol{padding-left:18px}.article-sources li{font-size:11.5px;line-height:1.65}.article-end-cta{margin-top:54px;padding:36px;border-radius:26px;background:#30333a;color:#fff}.article-end-cta h2{max-width:14ch;margin:0;color:#fff;font-size:33px}.article-end-cta p{max-width:55ch;margin:14px 0 22px;color:#cbd0d2;font-size:12px}.article-end-cta a{display:inline-flex;min-height:47px;align-items:center;justify-content:center;padding:0 19px;border-radius:999px;background:var(--blog-aqua);color:#173d3e;text-decoration:none;font-size:10.5px;font-weight:850}
@media(max-width:980px){.blog-hero-grid{grid-template-columns:1fr;gap:38px}.blog-hero h1{max-width:14ch}.blog-search-panel{max-width:720px}.featured-card{grid-template-columns:1fr}.featured-media{min-height:380px}.featured-body{padding:42px}.featured-body h2{max-width:15ch}.articles-grid{grid-template-columns:repeat(2,1fr)}.article-hero-grid{grid-template-columns:1fr;gap:40px}.article-hero h1{max-width:13ch}.article-hero-media{max-width:720px}.article-layout{grid-template-columns:1fr;gap:30px}.article-toc{position:static;display:none}}
@media(max-width:700px){.blog-shell{width:calc(100% - 28px)}.blog-hero{padding:58px 0 52px}.blog-hero h1{font-size:clamp(40px,12vw,57px)}.blog-hero-copy{font-size:14px;line-height:1.68}.blog-search-panel{padding:12px;border-radius:20px}.blog-search{height:52px;border-radius:15px}.blog-filters{flex-wrap:nowrap;overflow:auto;padding-bottom:2px;scrollbar-width:none}.blog-filters::-webkit-scrollbar{display:none}.blog-filter{flex:0 0 auto}.blog-featured{padding:4px 0 56px}.featured-card{min-height:0;border-radius:25px}.featured-media{min-height:270px;aspect-ratio:1.12}.featured-body{padding:30px 24px 32px}.featured-body h2{font-size:40px}.featured-body p{font-size:12.5px}.section-head{display:block}.section-head h2{font-size:37px}.section-head p{margin-top:13px}.articles-grid{grid-template-columns:1fr}.article-card{min-height:290px}.blog-library{padding:52px 0 72px}.blog-cta{padding-bottom:72px}.blog-cta-card{grid-template-columns:1fr;padding:35px 25px;gap:25px;border-radius:24px}.blog-cta-button{width:100%}.article-hero{padding:45px 0 38px}.article-breadcrumb{margin-bottom:31px}.article-hero h1{font-size:clamp(34px,9.8vw,42px);line-height:1.04}.article-dek{font-size:14px}.article-hero-media{border-radius:23px}.article-page{padding:42px 0 78px}.article-content>p:first-of-type{font-size:16px}.article-content h2{margin-top:44px;font-size:25px;line-height:1.18}.article-content h3{font-size:18px}.article-content p,.article-content li{font-size:13.25px;line-height:1.76}.step-block{padding:62px 20px 22px}.step-num{left:20px;top:17px}.article-summary{padding:21px}.article-end-cta{padding:28px 22px}.article-end-cta h2{font-size:29px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}.featured-card,.featured-media img,.article-card,.featured-link i,.blog-cta-button{transition:none!important}}


/* Housefinan long-form article components v2 */
.hf-article-meta-top{display:flex;align-items:center;flex-wrap:wrap;gap:8px;margin:0 0 17px}.hf-article-meta-top .category{display:inline-flex;align-items:center;min-height:28px;padding:0 10px;border-radius:999px;background:#30333a;color:#fff;font-size:9px;font-weight:850;letter-spacing:.075em;text-transform:uppercase}.hf-article-meta-top .category.alt{background:#dff5f4;color:#257778}.hf-article-meta-top .readtime{color:#7d878c;font-size:10px;font-weight:750}.hf-author-card{display:grid;grid-template-columns:48px 1fr auto;gap:12px;align-items:center;max-width:610px;margin-top:24px;padding:13px 15px;border:1px solid #dce8e8;border-radius:18px;background:rgba(255,255,255,.74)}.hf-author-card img{width:48px;height:48px;border-radius:14px;object-fit:cover}.hf-author-card strong{display:block;font-size:12px}.hf-author-card span{display:block;margin-top:3px;color:#7c8589;font-size:9.5px}.hf-author-card a{color:#297a7b;text-decoration:none;font-size:9.5px;font-weight:800}.hf-disclosure{max-width:610px;margin-top:12px;padding:12px 14px;border-left:3px solid var(--blog-aqua);border-radius:0 12px 12px 0;background:#f7fbfb;color:#758085;font-size:9.5px;line-height:1.55}.hf-disclosure strong{color:#394043}.hf-mobile-toc{display:none}.toc{margin:0 0 28px;border:1px solid #dfe9e9;border-radius:18px;background:#f8fbfb;overflow:hidden}.toc-head{width:100%;min-height:48px;padding:12px 15px;border:0;background:transparent;display:flex;align-items:center;justify-content:space-between;color:#30373a;font:inherit;font-size:10px;font-weight:850;letter-spacing:.08em;cursor:pointer}.toc-body{padding:0 17px 16px}.toc-body ol{margin:0;padding-left:18px}.toc-body li{margin:6px 0;font-size:11px;line-height:1.45}.toc-body a{color:#5a676b;text-decoration:none}.hf-topic-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:18px}.hf-topic-tags span{padding:7px 9px;border-radius:999px;background:#f0f6f6;color:#6f7a7f;font-size:8.5px;font-weight:760}.hf-sidebar-cta{display:block;margin-top:22px;padding:18px;border-radius:18px;background:#30333a;color:#fff!important;text-decoration:none!important}.hf-sidebar-cta small{display:block;color:#79cccb;font-size:8px;font-weight:850;letter-spacing:.09em}.hf-sidebar-cta strong{display:block;margin-top:9px;color:#fff;font-size:16px;line-height:1.15}.hf-sidebar-cta span{display:block;margin-top:9px;color:#c9ced0;font-size:9px;line-height:1.5}.hf-quick-wrap{width:100%;overflow-x:auto;margin:0 0 42px;border:1px solid #dfe8e8;border-radius:18px;-webkit-overflow-scrolling:touch}.hf-quick-table{width:100%;min-width:650px;border-collapse:collapse}.hf-quick-table th{padding:12px 14px;background:#30333a;color:#fff;text-align:left;font-size:9px;text-transform:uppercase;letter-spacing:.06em}.hf-quick-table td{padding:14px;border-bottom:1px solid #e5ecec;color:#687276;font-size:11px;line-height:1.5;vertical-align:top}.hf-quick-table tr:last-child td{border-bottom:0}.hf-quick-table td strong{display:block;color:#30383b}.article-image{margin:28px 0 30px;overflow:hidden;border-radius:22px;background:#e5f1f1}.article-image img{width:100%;height:390px;object-fit:cover;display:block}.hf-check-card{display:grid;grid-template-columns:46px 1fr;gap:16px;align-items:start;margin:26px 0;padding:22px;border:1px solid #dfe9e9;border-radius:20px;background:#fbfdfd}.hf-check-card>span{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;background:#dff5f4;color:#247678;font-size:10px;font-weight:900}.hf-check-card strong{display:block;font-size:15px}.hf-check-card p{margin:6px 0 0!important;font-size:12px!important;line-height:1.65!important}.hf-inline-cta{position:relative;overflow:hidden;margin:38px 0 10px;padding:25px 26px;border-radius:22px;background:#eaf8f7;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center}.hf-inline-cta:after{content:"";position:absolute;right:-60px;top:-90px;width:190px;height:190px;border-radius:50%;background:rgba(121,204,203,.22)}.hf-inline-cta>div,.hf-inline-cta>a{position:relative;z-index:1}.hf-inline-cta strong{display:block;color:#2e3a3e;font-size:16px;line-height:1.25}.hf-inline-cta span{display:block;max-width:48ch;margin-top:5px;color:#6a7579;font-size:10.5px;line-height:1.55}.hf-inline-cta a{min-height:43px;padding:0 16px;border-radius:999px;background:#76caca;color:#153e3f!important;text-decoration:none!important;display:inline-flex;align-items:center;justify-content:center;font-size:9.5px;font-weight:850;white-space:nowrap}.hf-inline-cta--dark{background:#30333a}.hf-inline-cta--dark strong{color:#fff}.hf-inline-cta--dark span{color:#cbd0d2}.hf-doc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0 28px}.hf-doc-grid article{padding:18px;border:1px solid #e2eaea;border-radius:17px;background:#fbfdfd}.hf-doc-grid strong{display:block;font-size:12.5px}.hf-doc-grid span{display:block;margin-top:6px;color:#747e82;font-size:10.5px;line-height:1.55}.hf-compare-list{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:24px 0}.hf-compare-list div{padding:18px;border-radius:16px;background:#f6f9f9}.hf-compare-list strong{display:block;color:#2e7778;font-size:10px;letter-spacing:.03em}.hf-compare-list span{display:block;margin-top:6px;color:#687276;font-size:10.5px;line-height:1.5}.hf-fein-card{margin:28px 0;padding:25px;border:1px solid #d5e8e7;border-radius:22px;background:#f0fafa;display:grid;grid-template-columns:.9fr 1.1fr;gap:28px}.hf-fein-card small{display:block;color:#2d8081;font-size:8.5px;font-weight:900;letter-spacing:.1em}.hf-fein-card strong{display:block;margin-top:8px;font-size:19px;line-height:1.18}.hf-fein-card ul{margin:0!important;padding-left:18px!important}.hf-fein-card li{font-size:11px!important;line-height:1.55!important}.hf-timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:27px 0}.hf-timeline div{position:relative;padding:18px 14px;border-top:2px solid #7dcccb;background:#f8fbfb}.hf-timeline b{display:block;color:#2d7a7b;font-size:9px}.hf-timeline strong{display:block;margin-top:8px;font-size:12px}.hf-timeline span{display:block;margin-top:4px;color:#7b8589;font-size:9.5px;line-height:1.45}.hf-error-list{margin-top:18px!important;padding-left:0!important;list-style:none}.hf-error-list li{position:relative;padding:0 0 15px 27px;border-bottom:1px solid #edf1f1;margin-bottom:15px!important}.hf-error-list li:before{content:"✓";position:absolute;left:0;top:1px;width:18px;height:18px;border-radius:50%;display:grid;place-items:center;background:#dff4f3;color:#27797a;font-size:9px;font-weight:900}.hf-quote{margin:32px 0;padding:28px;border-left:4px solid #79cccb;border-radius:0 20px 20px 0;background:#30333a}.hf-quote p{margin:0!important;color:#fff!important;font-size:20px!important;line-height:1.45!important;font-weight:650}.hf-quote small{display:block;margin-top:10px;color:#aeb6b9;font-size:9.5px}.faq{margin-top:58px}.faq>h2{margin-bottom:12px}.faq>p{margin-bottom:20px}.faq-item{border-top:1px solid #e0e7e7}.faq-item:last-of-type{border-bottom:1px solid #e0e7e7}.faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;min-height:58px;padding:15px 4px;color:#343b3e;font-size:13px;font-weight:780}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:#2f8586;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:#6b7478!important;font-size:12px!important;line-height:1.7!important}.hf-sources{margin-top:44px;padding:24px;border:1px solid #e1e9e9;border-radius:20px;background:#fafcfc}.hf-sources h3{margin:0 0 13px!important;font-size:15px!important}.hf-sources ol{margin:0!important;padding-left:18px!important}.hf-sources li{font-size:10.5px!important;line-height:1.55!important}.hf-sources p{margin:14px 0 0!important;color:#8a9295!important;font-size:9.5px!important;line-height:1.55!important}.related-eyebrow{display:block;margin-top:60px;color:#338181;font-size:9px;font-weight:850;letter-spacing:.1em;text-transform:uppercase}.related-title{margin:9px 0 22px!important;padding-top:0!important;border:0!important}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.related-card{overflow:hidden;border:1px solid #e1e9e9;border-radius:17px;background:#fff}.related-card img{width:100%;height:135px;object-fit:cover}.related-card span,.related-card h4,.related-card small{display:block;margin-left:14px;margin-right:14px}.related-card span{margin-top:12px;color:#2e8182;font-size:8.5px;font-weight:800;text-transform:uppercase}.related-card h4{margin-top:5px;margin-bottom:7px;font-size:12.5px;line-height:1.35}.related-card small{margin-bottom:14px;color:#90979a;font-size:8.5px}.hf-article-bottom-cta{padding:0 0 94px}.hf-article-bottom-cta>.blog-shell{position:relative;overflow:hidden;padding:44px 48px;border-radius:28px;background:#30333a;color:#fff;display:grid;grid-template-columns:1fr auto;gap:35px;align-items:center}.hf-article-bottom-cta>.blog-shell:after{content:"";position:absolute;right:-100px;top:-130px;width:330px;height:330px;border-radius:50%;background:rgba(121,204,203,.13)}.hf-article-bottom-cta div>span{color:#79cccb;font-size:9px;font-weight:850;letter-spacing:.11em}.hf-article-bottom-cta h2{max-width:18ch;margin:9px 0 0;font-size:36px;line-height:1.03;letter-spacing:-.04em}.hf-article-bottom-cta p{max-width:58ch;margin:12px 0 0;color:#c7cdcf;font-size:11px;line-height:1.6}.hf-article-bottom-cta a{position:relative;z-index:1;min-height:48px;padding:0 20px;border-radius:999px;background:#79cccb;color:#153f40;text-decoration:none;font-size:10px;font-weight:850;display:inline-flex;align-items:center;justify-content:center;white-space:nowrap}
@media(max-width:980px){.hf-mobile-toc{display:block}.hf-topic-tags,.hf-sidebar-cta{display:none}.article-layout{grid-template-columns:minmax(0,760px)!important}.article-toc{display:none!important}.article-image img{height:350px}.hf-article-bottom-cta>.blog-shell{grid-template-columns:1fr}.hf-article-bottom-cta a{width:max-content}}
@media(max-width:700px){.hf-author-card{grid-template-columns:42px 1fr}.hf-author-card img{width:42px;height:42px}.hf-author-card>a{grid-column:2}.hf-disclosure{font-size:9px}.hf-quick-wrap{margin-bottom:34px;border-radius:14px}.hf-inline-cta{grid-template-columns:1fr;padding:21px}.hf-inline-cta a{width:100%}.article-image{margin:24px 0;border-radius:18px}.article-image img{height:245px}.hf-doc-grid,.hf-compare-list{grid-template-columns:1fr}.hf-fein-card{grid-template-columns:1fr;gap:17px;padding:21px}.hf-timeline{grid-template-columns:1fr 1fr}.hf-quote p{font-size:17px!important}.related-grid{grid-template-columns:1fr}.related-card img{height:170px}.hf-article-bottom-cta{padding-bottom:72px}.hf-article-bottom-cta>.blog-shell{padding:32px 24px;border-radius:24px}.hf-article-bottom-cta h2{font-size:30px}.hf-article-bottom-cta a{width:100%}}
@media(max-width:420px){.hf-timeline{grid-template-columns:1fr}.article-image img{height:220px}}

/* 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;
  }
}