:root{
  --navy:#0c1a2e;--navy2:#162540;--gold:#c9a84c;--gold2:#e8c76a;--cream:#f8f5ee;
  --white:#fff;--text:#172033;--muted:#6b7280;--border:#e5e0d3;--green:#15803d;
  --red:#b91c1c;--orange:#c2410c;--blue:#2563eb;--shadow:0 18px 55px rgba(12,26,46,.10)
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;background:var(--cream);color:var(--text);font-size:14px}
button,input,select,textarea{font-family:inherit}
button{cursor:pointer}
a{color:inherit}
.hidden{display:none!important}
.top{background:var(--navy);color:white;padding:16px 24px;position:sticky;top:0;z-index:10;box-shadow:0 4px 18px rgba(0,0,0,.18)}
.top-inner{max-width:1280px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px}
.logo{width:38px;height:38px;border-radius:12px;background:var(--gold);color:var(--navy);font-weight:900;display:flex;align-items:center;justify-content:center}
.brand h1{font-size:18px;color:var(--gold2)}
.brand p{font-size:11px;color:rgba(255,255,255,.55)}
.userbar{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.pill{border-radius:999px;padding:7px 11px;background:rgba(255,255,255,.08);color:rgba(255,255,255,.75);font-size:12px}
.hero{background:var(--navy);color:white;min-height:calc(100vh - 70px);display:flex;align-items:center;padding:42px 24px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 80% 30%,rgba(201,168,76,.16),transparent 55%),linear-gradient(to right,rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(to bottom,rgba(255,255,255,.035) 1px,transparent 1px);background-size:auto,60px 60px,60px 60px}
.hero-grid{position:relative;z-index:1;max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.badge{display:inline-flex;align-items:center;border-radius:999px;padding:5px 10px;font-size:11px;font-weight:800}
.badge.gold{background:rgba(201,168,76,.14);color:var(--gold2);border:1px solid rgba(201,168,76,.26)}
.badge.green{background:#dcfce7;color:#166534}.badge.orange{background:#ffedd5;color:#9a3412}.badge.blue{background:#dbeafe;color:#1e40af}.badge.red{background:#fee2e2;color:#991b1b}
.hero h2{font-size:clamp(36px,5vw,62px);line-height:1.05;margin:18px 0;font-family:Georgia,serif}
.hero h2 em{font-style:normal;color:var(--gold2)}
.hero p{color:rgba(255,255,255,.66);line-height:1.7;font-size:16px;max-width:650px}
.card{background:white;border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.card-pad{padding:20px}.card-hd{padding:16px 20px;border-bottom:1px solid #edf0f4;display:flex;justify-content:space-between;align-items:center;gap:12px}
.card-hd h3{font-size:15px;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.fg{display:flex;flex-direction:column;gap:6px}.fg.full{grid-column:1/-1}
label{font-size:11px;font-weight:900;color:var(--muted);text-transform:uppercase;letter-spacing:.35px}
input,select,textarea{width:100%;border:1.5px solid var(--border);border-radius:10px;background:white;color:var(--text);padding:11px 12px;outline:none}
textarea{min-height:90px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.12)}
.btn{border:none;border-radius:10px;padding:11px 15px;font-weight:900;display:inline-flex;justify-content:center;align-items:center;gap:7px}
.btn.primary{background:var(--gold);color:var(--navy)}.btn.dark{background:var(--navy);color:white}.btn.green{background:var(--green);color:white}.btn.blue{background:var(--blue);color:white}.btn.orange{background:#f97316;color:white}.btn.red{background:var(--red);color:white}.btn.outline{background:white;border:1.5px solid var(--border);color:var(--text)}
.btn-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:14px}
.note{font-size:12px;color:var(--muted);line-height:1.55}
.alert{border-radius:14px;padding:13px;font-size:12.5px;line-height:1.55;margin:10px 0}.alert.blue{background:#dbeafe;color:#1e3a8a}.alert.orange{background:#ffedd5;color:#7c2d12}.alert.green{background:#dcfce7;color:#14532d}.alert.red{background:#fee2e2;color:#7f1d1d}
.app{max-width:1280px;margin:0 auto;padding:22px;display:grid;grid-template-columns:280px 1fr;gap:18px}
.sidebar{position:sticky;top:84px;align-self:start;display:flex;flex-direction:column;gap:14px}
.steps{display:flex;flex-direction:column;gap:9px}
.step{display:flex;gap:9px;opacity:.45}.step.active,.step.done{opacity:1}
.step-dot{width:28px;height:28px;border-radius:50%;background:#eef2f7;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:12px;flex-shrink:0}
.step.active .step-dot{background:var(--gold);color:var(--navy)}.step.done .step-dot{background:var(--green);color:white}
.step b{font-size:12.5px;color:var(--navy)}.step span{font-size:11px;color:var(--muted)}
.tabs{display:flex;gap:7px;overflow:auto;background:white;border:1px solid var(--border);border-radius:16px;padding:9px;box-shadow:var(--shadow)}
.tab{border:none;background:transparent;padding:9px 12px;border-radius:10px;color:var(--muted);font-weight:900;font-size:12px;white-space:nowrap}
.tab.active{background:var(--navy);color:white}.tab.locked{opacity:.35;cursor:not-allowed}
.page{display:none;flex-direction:column;gap:16px}.page.active{display:flex}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.kpi{border:1px solid var(--border);background:white;border-radius:16px;padding:14px}.kpi span{font-size:10px;color:var(--muted);font-weight:900;text-transform:uppercase}.kpi strong{display:block;margin-top:5px;font-size:22px;color:var(--navy)}
.doc{display:flex;justify-content:space-between;gap:12px;align-items:center;border:1px solid #edf0f4;border-radius:14px;padding:12px;background:white}.doc-title{font-weight:900;color:var(--navy);font-size:13px}.doc-sub{font-size:11.5px;color:var(--muted);margin-top:2px}
.timeline{display:flex;flex-direction:column;gap:10px}.tl{display:flex;gap:9px}.tl-dot{width:11px;height:11px;border-radius:50%;background:var(--gold);margin-top:5px;flex-shrink:0}.tl b{font-size:13px;color:var(--navy)}.tl p{font-size:12px;color:var(--muted);line-height:1.45}.tl small{font-size:10.5px;color:#9ca3af}
.scorebox{display:grid;grid-template-columns:180px 1fr;gap:16px;align-items:center}.circle{width:140px;height:140px;border-radius:50%;background:conic-gradient(var(--gold) calc(var(--score)*1%),#edf0f4 0);display:flex;align-items:center;justify-content:center;margin:auto;position:relative}.circle:after{content:"";position:absolute;width:105px;height:105px;border-radius:50%;background:white}.circle strong{position:relative;z-index:1;font-size:32px;color:var(--navy)}
.factor-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}.factor{border:1px solid var(--border);border-radius:12px;padding:10px;font-size:12px;color:var(--muted)}.factor b{display:block;color:var(--navy);margin-bottom:2px}
.scenarios{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.scenario{border:1px solid var(--border);border-radius:14px;padding:14px}.scenario strong{display:block;font-size:24px;color:var(--gold);font-family:Georgia,serif}
.report{border:1px solid var(--border);border-radius:18px;background:white;padding:24px}.report h2{color:var(--navy);font-family:Georgia,serif;margin-bottom:8px}.report-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:14px 0}.report-item{background:#f8fafc;border:1px solid #e5e7eb;border-radius:12px;padding:12px}.report-item span{font-size:10px;text-transform:uppercase;color:var(--muted);font-weight:900}.report-item b{display:block;margin-top:4px;color:var(--navy)}
.admin{border:1.5px dashed #93c5fd;background:#eff6ff;border-radius:16px;padding:14px}
.small{font-size:11px}
@media(max-width:980px){.hero-grid,.app{grid-template-columns:1fr}.sidebar{position:static}.grid,.grid3,.kpis,.scenarios,.report-grid,.factor-grid,.scorebox{grid-template-columns:1fr}.top-inner{align-items:flex-start;flex-direction:column}}


/* ===== Check Hipotecario Landing V4 ===== */
.ch-landing{background:#f8f5ee;color:#172033}
.ch-container{max-width:1200px;margin:0 auto;width:100%}
.ch-hero{position:relative;min-height:calc(100vh - 70px);background:#0c1a2e;color:white;display:flex;align-items:center;padding:74px 24px;overflow:hidden}
.ch-hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 80% 28%,rgba(201,168,76,.16),transparent 60%),radial-gradient(ellipse 60% 55% at 5% 90%,rgba(201,168,76,.10),transparent 60%)}
.ch-hero-bg:after{content:"";position:absolute;inset:0;opacity:.055;background-image:linear-gradient(to right,#e8c76a 1px,transparent 1px),linear-gradient(to bottom,#e8c76a 1px,transparent 1px);background-size:62px 62px}
.ch-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:58px;align-items:center;position:relative;z-index:1}
.ch-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.28);color:#e8c76a;border-radius:999px;padding:7px 14px;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:1.2px;margin-bottom:22px}
.ch-eyebrow:before{content:"";width:7px;height:7px;border-radius:50%;background:#c9a84c}
.ch-copy h2{font-family:Georgia,serif;font-size:clamp(38px,5.4vw,66px);line-height:1.05;margin:0 0 18px}
.ch-copy h2 span{color:#e8c76a}
.ch-lead{font-size:16px;line-height:1.75;color:rgba(255,255,255,.66);max-width:650px}.ch-lead strong{color:#e8c76a}
.ch-value-list{display:grid;gap:13px;margin:28px 0}.ch-value-list>div{display:flex;gap:12px;align-items:flex-start}
.ch-value-list i{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(201,168,76,.14);border:1px solid rgba(201,168,76,.3);color:#e8c76a;font-weight:900;flex-shrink:0;font-style:normal}
.ch-value-list b{display:block;color:white;font-size:14px;margin-bottom:3px}.ch-value-list small{display:block;color:rgba(255,255,255,.58);font-size:12.5px;line-height:1.45}
.ch-actions,.ch-trust{display:flex;gap:10px;flex-wrap:wrap}.ch-actions{margin-top:26px}.ch-trust{margin-top:18px}
.ch-trust span{border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:7px 10px;color:rgba(255,255,255,.56);font-size:11px}
.ch-btn{border:none;border-radius:10px;padding:12px 17px;font-weight:900;text-decoration:none;display:inline-flex;justify-content:center;align-items:center;gap:7px;cursor:pointer;font-size:14px}
.ch-btn-gold{background:#c9a84c;color:#0c1a2e}.ch-btn-dark{background:#0c1a2e;color:white}.ch-btn-ghost{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.22);color:white}.ch-btn-outline{background:white;border:1.5px solid #e5e0d3;color:#172033}.ch-full{width:100%}
.ch-form-card{background:white;color:#172033;border-radius:22px;padding:0;box-shadow:0 32px 90px rgba(0,0,0,.34);overflow:hidden;border:1px solid rgba(201,168,76,.2)}
.ch-card-head{padding:20px 22px;border-bottom:1px solid #edf0f4;display:flex;justify-content:space-between;gap:18px;align-items:center}.ch-card-head small{font-size:10px;text-transform:uppercase;letter-spacing:1px;color:#6b7280;font-weight:900}.ch-card-head h3{font-size:21px;color:#0c1a2e;font-family:Georgia,serif}.ch-card-head strong{background:#0c1a2e;color:#e8c76a;border-radius:12px;padding:12px 14px;font-family:Georgia,serif;font-size:22px}
.ch-alert{margin:20px 22px 0;background:#eff6ff;color:#1e3a8a;border:1px solid #bfdbfe;border-radius:14px;padding:13px;font-size:12.5px;line-height:1.5}
.ch-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;padding:20px 22px}.ch-form-grid label{display:flex;flex-direction:column;gap:6px;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.35px;color:#6b7280}.ch-form-grid label.wide{grid-column:1/-1}
.ch-form-grid input,.ch-form-grid select{width:100%;border:1.5px solid #e5e0d3;border-radius:10px;background:#fff;padding:11px 12px;color:#172033;outline:none}.ch-form-grid input:focus,.ch-form-grid select:focus{border-color:#c9a84c;box-shadow:0 0 0 3px rgba(201,168,76,.12)}
.ch-form-card>.ch-btn{margin:0 22px 18px;width:calc(100% - 44px)}
.ch-return{margin:0 22px 22px;border-top:1px solid #edf0f4;padding-top:16px}.ch-return h4{font-size:14px;color:#0c1a2e;margin-bottom:4px}.ch-return p{font-size:12px;color:#6b7280;line-height:1.5}.ch-return .ch-form-grid{padding:12px 0}
.ch-section{padding:86px 24px}.ch-light{background:#f8f5ee}.ch-report-section{background:#f8f5ee}.ch-dark{background:#0c1a2e}.ch-cases{background:#ede8dc}
.ch-section-kicker{font-size:11px;text-transform:uppercase;letter-spacing:1.8px;color:#c9a84c;font-weight:900;margin-bottom:14px;display:flex;align-items:center;gap:9px}.ch-section-kicker:before{content:"";width:28px;height:1px;background:#c9a84c}.center-kicker{justify-content:center}.center-kicker:before{display:none}.ch-section-kicker.gold{color:#e8c76a}
.ch-section-title{font-size:clamp(30px,3.8vw,46px);line-height:1.12;font-family:Georgia,serif;color:#0c1a2e;margin-bottom:14px;max-width:780px}.ch-section-title.white{color:white}.ch-section-text{color:#6b7280;line-height:1.7;font-size:15.5px;max-width:760px}.ch-section-text.muted{color:rgba(255,255,255,.58)}
.ch-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:42px}.ch-step{background:white;border:1px solid #e5e0d3;border-radius:18px;padding:24px;box-shadow:0 14px 38px rgba(12,26,46,.06)}.ch-step span{width:44px;height:44px;border-radius:50%;background:#0c1a2e;color:#e8c76a;display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-size:20px;font-weight:900;margin-bottom:16px}.ch-step h3{font-size:16px;color:#0c1a2e;margin-bottom:8px}.ch-step p{font-size:12.5px;color:#6b7280;line-height:1.55}
.ch-two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.ch-report-card{background:white;border:1px solid #e5e0d3;border-radius:20px;padding:30px;box-shadow:0 18px 60px rgba(0,0,0,.1);position:relative}.ch-report-card:before{content:"";position:absolute;inset:14px -14px -14px 14px;background:#ede8dc;border:1px solid #e5e0d3;border-radius:20px;z-index:-1}
.ch-report-head{display:flex;justify-content:space-between;border-bottom:1px solid #e5e0d3;padding-bottom:18px;margin-bottom:18px}.ch-report-head small{font-size:10px;color:#6b7280;font-weight:900;letter-spacing:1.6px}.ch-report-head h3{font-family:Georgia,serif;color:#0c1a2e;font-size:23px}.ch-report-head p{font-size:12px;color:#6b7280}.ch-seal{width:52px;height:52px;border-radius:13px;background:#0c1a2e;color:#e8c76a;display:flex;align-items:center;justify-content:center;font-weight:900}
.ch-report-row,.ch-report-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.ch-report-row div,.ch-report-grid div{background:#f8fafc;border:1px solid #edf0f4;border-radius:11px;padding:12px}.ch-report-row span,.ch-report-grid span,.ch-report-highlight span{font-size:10px;color:#6b7280;font-weight:900;text-transform:uppercase;letter-spacing:.5px}.ch-report-row b,.ch-report-grid b{display:block;color:#0c1a2e;font-size:13px;margin-top:3px}
.ch-report-highlight{background:#0c1a2e;border-radius:15px;padding:18px;margin:14px 0}.ch-report-highlight strong{display:block;font-family:Georgia,serif;color:#e8c76a;font-size:31px;margin:5px 0}.ch-report-highlight small{color:rgba(255,255,255,.47)}
.ch-warning{margin-top:14px;background:#fff7ed;color:#7c2d12;border:1px solid #fed7aa;border-radius:11px;padding:11px;font-size:12px;line-height:1.45}
.ch-features{display:grid;gap:14px;margin-top:28px}.ch-features>div{display:grid;grid-template-columns:38px 1fr;column-gap:12px;align-items:start}.ch-features i{grid-row:1/3;width:36px;height:36px;border-radius:10px;background:#0c1a2e;color:#e8c76a;display:flex;align-items:center;justify-content:center;font-weight:900;font-style:normal}.ch-features h3{font-size:15px;color:#0c1a2e;margin-bottom:4px}.ch-features p{font-size:12.5px;color:#6b7280;line-height:1.55}
.ch-bank-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}.ch-bank{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:24px}.ch-bank i{width:44px;height:44px;border-radius:11px;background:rgba(201,168,76,.12);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-style:normal}.ch-bank h3{font-size:16px;color:white;margin-bottom:4px}.ch-bank p{font-size:12.5px;color:rgba(255,255,255,.42)}.ch-bank span{display:inline-flex;margin-top:14px;border-radius:999px;background:rgba(201,168,76,.1);color:#e8c76a;padding:6px 10px;font-size:11px;font-weight:900}
.ch-bank-note{margin-top:18px;border:1px solid rgba(201,168,76,.22);background:rgba(201,168,76,.08);border-radius:14px;padding:14px;color:rgba(255,255,255,.65);font-size:12.5px;line-height:1.55}
.ch-dashboard{background:#0c1a2e;color:white;border-radius:22px;padding:30px}.ch-dashboard small{display:block;color:rgba(255,255,255,.45);letter-spacing:1.3px;text-transform:uppercase;margin-bottom:20px}.ch-dashboard div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:16px;margin-bottom:12px}.ch-dashboard strong{display:block;color:#e8c76a;font-family:Georgia,serif;font-size:21px;margin-bottom:4px}.ch-dashboard span{font-size:12px;color:rgba(255,255,255,.48);line-height:1.4}
.ch-case-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}.ch-case-grid>div{background:white;border:1px solid #e5e0d3;border-radius:18px;padding:24px;box-shadow:0 14px 38px rgba(12,26,46,.06)}.ch-case-grid span{color:#c9a84c;letter-spacing:2px}.ch-case-grid p{font-style:italic;line-height:1.65;margin:14px 0}.ch-case-grid h3{font-size:15px;color:#0c1a2e;margin-bottom:5px}.ch-case-grid small{font-size:12.5px;color:#6b7280;line-height:1.45}
.ch-final{background:#0c1a2e;color:white;padding:88px 24px;text-align:center}.ch-final h2{font-family:Georgia,serif;font-size:clamp(30px,3.8vw,46px);line-height:1.12;margin-bottom:14px}.ch-final p{max-width:720px;margin:0 auto 28px;color:rgba(255,255,255,.58);line-height:1.7}.center{text-align:center}
.ch-footer{background:#162540;color:white;display:grid;grid-template-columns:1fr 1.3fr;gap:26px;padding:32px 24px}.ch-footer h3{font-family:Georgia,serif;color:#e8c76a;font-size:20px;margin-bottom:6px}.ch-footer p{color:rgba(255,255,255,.45);font-size:12px;line-height:1.55;margin-bottom:5px}
@media(max-width:980px){.ch-hero-grid,.ch-two{grid-template-columns:1fr}.ch-steps,.ch-bank-grid,.ch-case-grid{grid-template-columns:1fr}.ch-form-grid{grid-template-columns:1fr}.ch-footer{grid-template-columns:1fr}.ch-hero{padding:48px 18px}.ch-section{padding:62px 18px}}


/* Header navigation */
.landing-nav-links{display:flex;align-items:center;gap:24px;margin-left:auto}
.landing-nav-links a{color:rgba(255,255,255,.62);font-size:13px;font-weight:800;text-decoration:none;white-space:nowrap;transition:.18s}
.landing-nav-links a:hover{color:#fff}
.landing-nav-links .nav-cta{background:var(--gold);color:var(--navy)!important;border-radius:9px;padding:10px 16px}
.landing-nav-links .nav-cta:hover{background:var(--gold2)}
body:not(.app-open) .userbar #sessionPill{display:none}
@media(max-width:980px){
  .landing-nav-links{gap:10px;overflow:auto;width:100%;padding-bottom:4px}
  .landing-nav-links a{font-size:12px}
  .top-inner{align-items:flex-start;flex-direction:column}
}