:root{
  --bosque:#0E211A; --tierra:#16352A; --verde:#245040; --oro:#C69214; --oro-luz:#E8CE93;
  --marfil:#FAF8F3; --arena:#F1EBE0; --lino:#E7DFCF; --tinta:#14181D; --humo:#75797C;
  --serif:'Cormorant Garamond',Georgia,serif; --sans:'Montserrat',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--tinta);background:var(--marfil);font-size:15px;line-height:1.6}
body.es .en,body.es .ar{display:none!important}
body.en .es,body.en .ar{display:none!important}
body.ar .es,body.ar .en{display:none!important}
body.ar{--serif:'Amiri',serif;--sans:'Tajawal',Arial,sans-serif;font-size:16px}
body.ar .kicker,body.ar .btn,body.ar .nav-links a,body.ar .tag,body.ar .lang button,body.ar .stat small,body.ar .ucard-meta,body.ar .step-n,body.ar .srv .n,body.ar .bcard-meta,body.ar .dev .n{letter-spacing:0}
body.ar h1 em,body.ar h2 em,body.ar .quote blockquote{font-style:normal}
.wrap{max-width:1220px;margin:0 auto;padding:0 28px}
.kicker{font:600 11px var(--sans);letter-spacing:.26em;text-transform:uppercase;color:var(--oro);display:flex;align-items:center;gap:16px}
.kicker::before{content:"";width:52px;height:1px;background:var(--oro)}
h1{font:500 clamp(44px,6.6vw,86px)/1.04 var(--serif);color:#fff}
h1 em,h2 em{font-style:italic;color:var(--oro-luz)}
h2{font:600 clamp(30px,4vw,50px)/1.12 var(--serif);color:var(--bosque)}
h2 em{color:var(--oro)}
.btn{display:inline-block;font:700 11.5px var(--sans);letter-spacing:.16em;text-transform:uppercase;text-decoration:none;padding:17px 32px;border-radius:2px;transition:all .3s;cursor:pointer;border:0}
.btn:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(14,33,26,.3)}
.btn-oro{background:var(--oro);color:#fff}
.btn-oro:hover{background:#D9A31E}
.btn-line{background:transparent;color:#fff;border:1px solid rgba(232,206,147,.5)}
.btn-line:hover{border-color:var(--oro-luz);color:var(--oro-luz)}
.btn-dark{background:var(--bosque);color:#fff}
header{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(14,33,26,.8);backdrop-filter:blur(14px);border-bottom:1px solid rgba(232,206,147,.18)}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px;gap:18px}
.logo{display:flex;align-items:center;gap:13px;text-decoration:none;flex-shrink:0}
.logo svg{width:40px;height:40px}
.logo b{font:700 15px var(--sans);letter-spacing:.22em;color:#fff}
.logo b span{color:var(--oro-luz)}
.nav-links{display:flex;gap:28px}
.nav-links a{font:600 11px var(--sans);letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.85);text-decoration:none;transition:color .25s;padding-bottom:4px}
.nav-links a:hover{color:var(--oro-luz)}
.nav-links a.on{color:var(--oro-luz);border-bottom:1px solid var(--oro)}
.lang{display:flex;border:1px solid rgba(232,206,147,.35);border-radius:2px;overflow:hidden;flex-shrink:0}
.lang button{border:0;background:transparent;padding:9px 13px;cursor:pointer;font:600 11px var(--sans);color:rgba(255,255,255,.6)}
.lang button.on{background:var(--oro);color:#fff}
.hero{position:relative;min-height:92vh;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero .bg{position:absolute;inset:0;background-position:center;background-size:cover}
.hero .veil{position:absolute;inset:0;background:linear-gradient(100deg,rgba(14,33,26,.72) 0%,rgba(14,33,26,.45) 42%,rgba(14,33,26,.08) 100%)}
.hero .wrap{position:relative;z-index:2;padding-top:120px;padding-bottom:90px}
.hero h1{max-width:820px;margin-top:26px}
.hero p.sub{max-width:540px;margin:30px 0 44px;color:rgba(255,255,255,.85);font-size:16.5px;line-height:1.9}
.hero .cta{display:flex;gap:18px;flex-wrap:wrap}
.hero .lic{margin-top:70px;font:500 10.5px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.45)}
.hero .scroll{position:absolute;bottom:34px;inset-inline-start:50%;transform:translateX(-50%);z-index:2;color:rgba(232,206,147,.7);font:600 9.5px var(--sans);letter-spacing:.3em;text-transform:uppercase;text-decoration:none}
.phero{position:relative;padding:190px 0 90px;color:#fff;overflow:hidden}
.phero .bg{position:absolute;inset:0;background-position:center;background-size:cover}
.phero .veil{position:absolute;inset:0;background:linear-gradient(100deg,rgba(14,33,26,.95) 0%,rgba(14,33,26,.8) 50%,rgba(14,33,26,.45) 100%)}
.phero .wrap{position:relative;z-index:2}
.phero h1{font-size:clamp(38px,5vw,62px);max-width:760px;margin-top:24px}
.phero p.sub{max-width:560px;margin:24px 0 0;color:rgba(255,255,255,.82);font-size:16px;line-height:1.85}
.stats{background:var(--bosque);color:#fff;border-top:1px solid rgba(232,206,147,.22)}
.stats .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.stat{text-align:center;padding:44px 20px;border-inline-start:1px solid rgba(232,206,147,.14)}
.stat:first-child{border-inline-start:0}
.stat strong{display:block;font:600 40px var(--serif);color:var(--oro-luz)}
.stat small{display:block;margin-top:6px;font:600 10px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.55)}
section{padding:110px 0}
.shead{max-width:680px;margin-bottom:64px}
.shead p{margin-top:20px;color:var(--humo);font-size:16px;line-height:1.85}
.srv-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));border:1px solid var(--lino);background:#fff}
.srv{padding:44px 34px;border-inline-start:1px solid var(--lino);transition:background .3s;text-decoration:none;display:block;color:inherit}
.srv:first-child{border-inline-start:0}
.srv:hover{background:var(--arena)}
.srv .n{font:600 12px var(--serif);letter-spacing:.2em;color:var(--oro);font-style:italic}
.srv h3{font:600 26px var(--serif);color:var(--bosque);margin:14px 0 12px}
.srv p{color:var(--humo);font-size:13.5px;line-height:1.8}
.srv .rule{width:34px;height:1px;background:var(--oro);margin-top:22px}
.opps{background:var(--arena)}
.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}
.ucard{background:#fff;border:1px solid var(--lino);overflow:hidden;box-shadow:0 6px 24px rgba(14,33,26,.07);transition:transform .35s,box-shadow .35s}
.ucard:hover{transform:translateY(-6px);box-shadow:0 20px 50px rgba(14,33,26,.16)}
.ucard-img{position:relative;aspect-ratio:16/10;overflow:hidden}
.ucard-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .7s}
.ucard:hover .ucard-img img{transform:scale(1.07)}
.tag{position:absolute;top:14px;inset-inline-start:14px;background:rgba(14,33,26,.88);color:var(--oro-luz);font:600 9.5px/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;padding:8px 13px}
.ucard-body{padding:26px 28px 30px}
.ucard-body h3{font:600 27px var(--serif);color:var(--bosque)}
.ucard-meta{font:500 11px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--humo);margin:8px 0 16px}
.ucard-price{display:flex;align-items:baseline;gap:8px;border-top:1px solid var(--lino);padding-top:16px;font:500 12px var(--sans);color:var(--humo)}
.ucard-price strong{font:600 24px var(--serif);color:var(--tierra)}
.ucard-roi{margin-top:12px;display:inline-block;border:1px solid var(--oro);color:var(--tierra);padding:7px 14px;font:600 10.5px var(--sans);letter-spacing:.08em;text-transform:uppercase}
.ucard .btn{margin-top:16px;padding:13px 22px;font-size:10.5px}
.note{margin-top:30px;font:400 12px var(--sans);color:var(--humo)}
.dev-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.dev{background:#fff;border:1px solid var(--lino);border-radius:16px;padding:30px 28px 28px;position:relative;overflow:hidden;transition:transform .3s,box-shadow .3s,border-color .3s;display:flex;flex-direction:column}
.dev:hover{transform:translateY(-6px);box-shadow:0 22px 54px rgba(14,33,26,.16);border-color:var(--oro)}
.dev::before{content:"";position:absolute;top:0;inset-inline-start:0;width:100%;height:3px;background:linear-gradient(90deg,var(--oro),var(--oro-luz),transparent);opacity:0;transition:opacity .3s}
.dev:hover::before{opacity:1}
.dev-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px}
.dev-logo{width:72px;height:72px;border-radius:16px;background:#fff;border:1px solid var(--lino);display:flex;align-items:center;justify-content:center;flex-shrink:0;overflow:hidden;transition:box-shadow .3s}
.dev:hover .dev-logo{box-shadow:0 0 0 2px var(--oro)}
.dev-logo img{max-width:70%;max-height:70%;object-fit:contain;display:block}
.dev-logo .mono{display:flex;align-items:center;justify-content:center;width:100%;height:100%;font:500 24px/1 var(--serif);letter-spacing:.06em;color:var(--oro-luz);background:radial-gradient(circle at 32% 28%,var(--verde),var(--bosque) 72%)}
.dev .n{font:600 10px var(--sans);letter-spacing:.22em;text-transform:uppercase;color:rgba(20,24,29,.35)}
.dev h3{font:600 27px var(--serif);color:var(--bosque);margin:0 0 8px}
.dev p{color:var(--humo);font-size:13px;line-height:1.75;margin-bottom:20px;flex-grow:1}
.dev a{font:600 11px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--tierra);text-decoration:none;display:inline-flex;align-items:center;gap:8px}
.dev a::after{content:"→";color:var(--oro);transition:transform .25s}
.dev a:hover{color:var(--oro)}
.dev a:hover::after{transform:translateX(4px)}
body.ar .dev a::after{content:"←"}
body.ar .dev a:hover::after{transform:translateX(-4px)}
.invest{background:linear-gradient(120deg,var(--bosque) 0%,var(--tierra) 100%);color:#fff;position:relative;overflow:hidden}
.invest h2{color:#fff}
.invest .shead p{color:rgba(255,255,255,.78)}
.invest-cols{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:start}
.invest-img{position:sticky;top:110px;box-shadow:0 30px 70px rgba(0,0,0,.4)}
.invest-img img{width:100%;display:block}
.invest-img figcaption{background:rgba(14,33,26,.92);border-top:1px solid rgba(232,206,147,.3);padding:16px 22px;font:500 11px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--oro-luz)}
.steps{display:flex;flex-direction:column}
.step{border-top:1px solid rgba(232,206,147,.25);padding:30px 0}
.step:last-child{border-bottom:1px solid rgba(232,206,147,.25)}
.step-n{font:500 15px var(--serif);font-style:italic;color:var(--oro-luz);letter-spacing:.14em}
.step h3{font:600 25px var(--serif);color:#fff;margin:8px 0 8px}
.step p{color:rgba(255,255,255,.72);font-size:13.5px;line-height:1.8;max-width:460px}
.benef{margin-top:74px;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}
.benef div{background:rgba(255,255,255,.05);border:1px solid rgba(232,206,147,.28);padding:26px 24px}
.benef strong{display:block;font:600 21px var(--serif);color:var(--oro-luz);margin-bottom:8px}
.benef span{font-size:12.5px;color:rgba(255,255,255,.72);line-height:1.75}
.grid4{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:26px}
.eco .card{background:#fff;border:1px solid var(--lino);padding:34px 30px}
.eco .card .n{font:600 10.5px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--oro)}
.eco .card h3{font:600 25px var(--serif);color:var(--bosque);margin:12px 0 10px}
.eco .card p{color:var(--humo);font-size:13px;line-height:1.75}
.eco .card.actual{border-color:var(--oro);box-shadow:0 14px 36px rgba(198,146,20,.16);position:relative}
.eco .card.actual::after{content:"";position:absolute;top:0;inset-inline-start:0;width:100%;height:3px;background:var(--oro)}
.quote{position:relative;padding:150px 0;color:#fff;text-align:center;overflow:hidden}
.quote .bg{position:absolute;inset:0;background-position:center;background-size:cover}
.quote .veil{position:absolute;inset:0;background:rgba(14,33,26,.82)}
.quote .wrap{position:relative;z-index:2}
.quote blockquote{max-width:820px;margin:0 auto;font:500 30px/1.55 var(--serif);font-style:italic;color:#fff}
.quote cite{display:block;margin-top:26px;font:600 10.5px var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--oro-luz);font-style:normal}
.quote .btn{margin-top:44px}
.contact-cols{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.contact-cols img{width:100%;display:block;box-shadow:0 24px 60px rgba(14,33,26,.25)}
.ways{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:34px 0}
.ways div{border:1px solid var(--lino);background:#fff;padding:20px 22px}
.ways small{display:block;font:600 10px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--humo);margin-bottom:7px}
.ways a{color:var(--tierra);text-decoration:none;font:600 14.5px var(--sans)}
.ways a:hover{color:var(--oro)}
.panel{background:linear-gradient(120deg,var(--bosque),var(--tierra));color:#fff;padding:64px 56px;display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:center}
.panel h3{font:600 32px var(--serif);color:#fff}
.panel h3 em{color:var(--oro-luz);font-style:italic}
.panel p{margin-top:14px;color:rgba(255,255,255,.78);font-size:14px;line-height:1.8;max-width:520px}
.panel .side{text-align:end}
.blog-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}
.bcard{background:#fff;border:1px solid var(--lino);overflow:hidden;text-decoration:none;color:inherit;display:block;box-shadow:0 6px 24px rgba(14,33,26,.07);transition:transform .35s,box-shadow .35s}
.bcard:hover{transform:translateY(-6px);box-shadow:0 20px 50px rgba(14,33,26,.16)}
.bcard-img{aspect-ratio:16/9;overflow:hidden}
.bcard-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .7s}
.bcard:hover .bcard-img img{transform:scale(1.07)}
.bcard-body{padding:26px 28px 30px}
.bcard-meta{font:600 10px var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--oro);margin-bottom:10px}
.bcard-body h3{font:600 25px/1.2 var(--serif);color:var(--bosque)}
.bcard-body p{margin-top:10px;color:var(--humo);font-size:13px;line-height:1.75}
.bcard-body .more{display:inline-block;margin-top:16px;font:600 11px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--tierra);border-bottom:1px solid var(--oro)}
.article{max-width:780px;margin:0 auto;padding:80px 28px 110px}
.article .kicker{margin-bottom:20px}
.article h1.title{font:600 clamp(34px,4.6vw,54px)/1.15 var(--serif);color:var(--bosque)}
.article .date{margin-top:16px;font:500 11px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--humo)}
.article img.cover{width:100%;margin:36px 0 10px;box-shadow:0 20px 50px rgba(14,33,26,.18)}
.article h2{font:600 30px var(--serif);color:var(--bosque);margin:44px 0 14px}
.article p{margin:16px 0;color:#3a3f45;font-size:15.5px;line-height:1.95}
.article ul{margin:16px 0 16px 22px;color:#3a3f45;font-size:15.5px;line-height:1.95}
body.ar .article ul{margin:16px 22px 16px 0}
.article .cta-box{margin-top:52px;background:var(--arena);border:1px solid var(--lino);padding:34px;text-align:center}
.article .cta-box p{margin:0 0 20px;font:500 19px var(--serif);font-style:italic;color:var(--bosque)}
footer{background:var(--bosque);color:rgba(255,255,255,.5);padding:38px 0;font-size:12px;border-top:1px solid rgba(232,206,147,.2)}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}
.wa-float{position:fixed;bottom:28px;inset-inline-end:28px;z-index:90;width:58px;height:58px;border-radius:50%;background:var(--oro);display:flex;align-items:center;justify-content:center;box-shadow:0 12px 30px rgba(14,33,26,.35);text-decoration:none;transition:transform .25s}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px;fill:#fff}
@media(max-width:960px){
 .nav-links{display:none}
 .hero{min-height:78vh}
 section{padding:76px 0}
 .invest-cols,.contact-cols,.panel{grid-template-columns:1fr;gap:40px}
 .invest-img{position:static}
 .srv{border-inline-start:0;border-top:1px solid var(--lino)}
 .srv:first-child{border-top:0}
 .stat{border-inline-start:0;border-top:1px solid rgba(232,206,147,.14)}
 .quote blockquote{font-size:24px}
 .ways{grid-template-columns:1fr}
 .panel{padding:44px 30px}
 .panel .side{text-align:start}
 .phero{padding:150px 0 70px}
}

/* — refinamiento ejecutivo (14 jul) — */
.logo img{width:40px;height:auto;display:block;filter:drop-shadow(0 1px 4px rgba(0,0,0,.25))}
footer .fmark{width:28px;height:auto;opacity:.9}
header{transition:background .35s,box-shadow .35s}
header.scrolled{background:rgba(10,24,18,.97);box-shadow:0 8px 30px rgba(0,0,0,.3)}
.hero .bg,.phero .bg{animation:kb 16s ease-out forwards;will-change:transform}
@keyframes kb{from{transform:scale(1.09)}to{transform:scale(1)}}
.rv{opacity:0;transform:translateY(26px);transition:opacity .9s cubic-bezier(.2,.6,.2,1),transform .9s cubic-bezier(.2,.6,.2,1)}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none}.hero .bg,.phero .bg{animation:none}}
.ic{width:32px;height:32px;display:block;margin-bottom:16px;stroke:var(--oro);fill:none;stroke-width:1.4;stroke-linecap:round;stroke-linejoin:round;transition:transform .3s,stroke .3s}
.srv:hover .ic,.eco .card:hover .ic{stroke:#D9A31E;transform:translateY(-3px)}
.benef .ic{stroke:var(--oro-luz);width:28px;height:28px;margin-bottom:12px}
.ways .ic{width:20px;height:20px;margin-bottom:9px;stroke-width:1.6}
.eco .card{transition:transform .3s,box-shadow .3s}
.eco .card:hover{transform:translateY(-5px);box-shadow:0 18px 44px rgba(14,33,26,.12)}
.benef div{transition:border-color .3s,background .3s}
.benef div:hover{border-color:var(--oro-luz);background:rgba(255,255,255,.09)}

/* — tarjetas: hipoteca y broker (14 jul) — */
.ucard-mort{border-top:1px dashed var(--lino);margin-top:14px;padding-top:12px;display:flex;justify-content:space-between;align-items:baseline;gap:10px;font:500 11px var(--sans);color:var(--humo)}
.ucard-mort strong{font:700 15px var(--sans);color:var(--tierra);white-space:nowrap}
.preap{display:inline-block;margin-top:12px;font:700 10px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#fff;background:var(--verde);padding:11px 16px;border-radius:2px;text-decoration:none;transition:background .25s}
.preap:hover{background:var(--tierra)}
.broker{display:flex;align-items:center;gap:12px;border-top:1px solid var(--lino);margin-top:16px;padding-top:14px}
.bk-av{width:44px;height:44px;border-radius:50%;flex-shrink:0;background:radial-gradient(circle at 32% 28%,var(--verde),var(--bosque) 75%);color:var(--oro-luz);display:flex;align-items:center;justify-content:center;font:600 15px var(--serif);letter-spacing:.04em}
.broker b{display:block;font:700 12.5px var(--sans);color:var(--bosque)}
.broker small{font:600 9px var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--humo)}
.bk-wa{margin-inline-start:auto;width:40px;height:40px;border-radius:50%;background:var(--oro);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .25s,background .25s}
.bk-wa:hover{transform:scale(1.1);background:#D9A31E}
.bk-wa svg{width:21px;height:21px;fill:#fff}
.eco a.card{text-decoration:none;color:inherit;display:block;cursor:pointer}

/* — franja de cobertura (14 jul) — */
.cover{position:relative;padding:90px 0 74px;overflow:hidden}
.cover::before{content:"";position:absolute;left:0;right:0;bottom:0;top:52%;background:linear-gradient(180deg,var(--arena),var(--lino));border-top:1px solid var(--lino)}
.cover .wrap{position:relative}
.cover-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;margin-top:50px}
.cvcard{position:relative;aspect-ratio:3/4.5;overflow:hidden;display:block;text-decoration:none;box-shadow:0 14px 36px rgba(14,33,26,.18);transition:transform .35s,box-shadow .35s}
.cvcard:hover{transform:translateY(-6px);box-shadow:0 24px 54px rgba(14,33,26,.26)}
.cvcard img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .7s}
.cvcard:hover img{transform:scale(1.08)}
.cvcard::after{content:"";position:absolute;inset:55% 0 0 0;background:linear-gradient(180deg,transparent,rgba(10,24,18,.82))}
.cvcard b{position:absolute;bottom:16px;inset-inline-start:16px;inset-inline-end:12px;z-index:2;font:600 19px var(--serif);color:#fff;line-height:1.15}
.cvcard small{position:absolute;bottom:0;inset-inline-start:16px;z-index:2;font:600 8.5px var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--oro-luz);opacity:0;transform:translateY(6px);transition:.3s}
.cvcard:hover small{opacity:1;transform:translateY(-14px)}
@media(max-width:1100px){.cover-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:640px){.cover-grid{grid-auto-flow:column;grid-auto-columns:62%;grid-template-columns:none;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:10px}.cvcard{scroll-snap-align:start}}
.hero video.bgvid{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}