/* PYB Investments - estilos compartidos por todas las páginas del sitio */
/* Layout: bandas negras (marca) alternadas con blanco y piedra; el dorado del logo como único acento */
:root{
  --black:#0c0c0c; --black-2:#171717; --black-3:#222;
  --gold:#c69c3e; --gold-light:#ddb95e; --gold-dark:#9e7a2a;
  --white:#ffffff; --stone:#f6f4ef; --line:#e6e0d2;
  --ink:#141414; --muted:#5f5a50; --muted-dark:#a9a397;
  --font:Montserrat,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
section{scroll-margin-top:78px} /* que el encabezado fijo no tape el título al ir a una sección */
body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.65;font-weight:400}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--font);line-height:1.15;text-wrap:balance}
h2{font-size:clamp(1.8rem,3.6vw,2.6rem);font-weight:800;letter-spacing:-.02em;margin-bottom:14px}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.32em;text-transform:uppercase;font-size:.74rem;margin-bottom:14px}
.lead{color:var(--muted);max-width:620px;font-size:1.02rem}
section{padding-block:96px}
.btn{display:inline-block;padding:15px 30px;font-weight:700;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;transition:.2s;border-radius:2px}
.btn-gold{background:var(--gold);color:var(--black)}
.btn-gold:hover{background:var(--gold-light)}
.btn-line{border:1.5px solid rgba(255,255,255,.35);color:var(--white)}
.btn-line:hover{border-color:var(--gold);color:var(--gold-light)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* Encabezado */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(12,12,12,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(198,156,62,.18)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px}
.nav .logo img{height:46px;width:auto}
.menu{display:flex;gap:24px;list-style:none}
.menu a{color:#d9d5cc;font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase}
.menu a:hover{color:var(--gold-light)}
.menu{align-items:center}
.menu a.menu-cuenta{border:1.5px solid var(--gold);color:var(--gold-light);padding:9px 16px;white-space:nowrap}
@media (min-width:961px) and (max-width:1180px){.menu{gap:16px}.menu a{letter-spacing:.1em}}
.menu a.menu-cuenta:hover{background:var(--gold);color:var(--black)}
.burger{display:none;background:none;border:0;color:var(--white);font-size:1.6rem;cursor:pointer;font-family:var(--font)}

/* Portada */
.hero{background:var(--black);color:var(--white);padding-block:110px 100px;position:relative;overflow:hidden}
.hero svg.trend{position:absolute;right:-40px;bottom:0;width:min(760px,80%);height:auto;opacity:.9;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(1.6rem,8.4vw,4.4rem);font-weight:900;letter-spacing:-.03em;max-width:780px;margin-bottom:22px;text-transform:uppercase}
.hero h1 span{color:var(--gold)}
.hero p.sub{color:#bdb8ad;max-width:560px;font-size:1.08rem;font-weight:300;margin-bottom:36px}
.ctas{display:flex;gap:14px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(3,auto);justify-content:start;gap:56px;margin-top:72px}
.stat strong{display:block;font-size:2.3rem;font-weight:800;color:var(--gold);line-height:1;font-variant-numeric:tabular-nums}
.stat span{color:var(--muted-dark);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600}

/* Franja lema */
.ribbon{background:var(--gold);color:var(--black);padding-block:16px;overflow:hidden}
.ribbon .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-weight:800;letter-spacing:.3em;text-transform:uppercase;font-size:.78rem}

/* Nosotros */
.grid-2{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}
.grid-2 > *{min-width:0}
.values{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line)}
.value{background:var(--white);padding:28px 26px}
.value b{display:block;font-size:.7rem;color:var(--gold);letter-spacing:.24em;margin-bottom:10px}
.value h3{font-size:1.05rem;font-weight:700;margin-bottom:6px}
.value p{color:var(--muted);font-size:.9rem}

/* Planes */
#planes{background:var(--stone)}
.center{text-align:center}.center .lead{margin:0 auto}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:56px;align-items:stretch}
.plan{background:var(--white);border:1px solid var(--line);padding:40px 32px;display:flex;flex-direction:column;transition:.25s;position:relative}
.plan:hover{transform:translateY(-4px);box-shadow:0 20px 44px rgba(12,12,12,.08)}
.plan.featured{background:var(--black);color:var(--white);border-color:var(--black);border-top:4px solid var(--gold)}
.tag{position:absolute;top:-13px;left:32px;background:var(--gold);color:var(--black);font-size:.66rem;font-weight:800;padding:5px 12px;letter-spacing:.18em}
.plan h3{font-size:1.5rem;font-weight:800;text-transform:uppercase;letter-spacing:.02em;margin-bottom:6px}
.plan .muted{color:var(--muted);font-size:.9rem;margin-bottom:26px}
.plan.featured .muted,.plan.featured li{color:#bdb8ad}
.freq{font-size:2.6rem;font-weight:900;color:var(--gold);line-height:1;letter-spacing:-.02em}
.freq small{font-size:.72rem;font-weight:600;color:var(--muted);display:block;margin-top:10px;letter-spacing:.18em;text-transform:uppercase}
.plan.featured .freq small{color:var(--muted-dark)}
.yield{margin-top:24px;padding:14px 16px;border:1px solid var(--line);border-left:4px solid var(--gold);background:var(--stone)}
.yield span{display:block;font-size:.68rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.yield strong{display:block;font-size:1.35rem;font-weight:800;color:var(--ink);line-height:1.25;font-variant-numeric:tabular-nums}
.plan.featured .yield{background:var(--black-2);border-color:#2e2e2e;border-left-color:var(--gold)}
.plan.featured .yield span{color:var(--muted-dark)}
.plan.featured .yield strong{color:var(--white)}
.plan ul{list-style:none;margin:28px 0 32px;flex:1}
.plan li{padding:11px 0;border-bottom:1px solid var(--line);font-size:.9rem;color:var(--muted);display:flex;gap:12px}
.plan.featured li{border-color:rgba(255,255,255,.1)}
.plan li::before{content:"";flex:none;width:8px;height:8px;margin-top:8px;background:var(--gold);transform:rotate(45deg)}
.plan .btn{text-align:center;border:1.5px solid var(--black);color:var(--black)}
.plan .btn:hover{background:var(--black);color:var(--white)}
.plan.featured .btn{background:var(--gold);border-color:var(--gold);color:var(--black)}
.plan.featured .btn:hover{background:var(--gold-light)}
.note{font-size:.8rem;color:var(--muted);margin-top:30px;text-align:center}

/* Proceso */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:56px;border-top:2px solid var(--black)}
.step{padding:30px 26px 10px 0}
.step + .step{padding-left:26px;border-left:1px solid var(--line)}
.step .n{font-size:.74rem;font-weight:800;color:var(--gold);letter-spacing:.24em;margin-bottom:14px;display:block}
.step h3{font-size:1.1rem;font-weight:700;margin-bottom:8px}
.step p{color:var(--muted);font-size:.9rem}

/* Simulador */
#simulador{background:var(--black);color:var(--white)}
#simulador .lead{color:#bdb8ad}
.sim{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin-top:44px;background:var(--black-2);border:1px solid rgba(198,156,62,.22);padding:40px}
.sim > *{min-width:0}
.field{margin-bottom:22px}
.field label{display:block;font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--muted-dark);margin-bottom:8px}
.field input,.field select,.field textarea{width:100%;padding:13px 14px;border-radius:2px;font:inherit;font-size:.95rem}
#simulador .field input,#simulador .field select{border:1px solid #3a3a3a;background:var(--black-3);color:var(--white);color-scheme:dark}
.sim-izq{display:flex;flex-direction:column;justify-content:space-between;gap:24px}
.sim-cta{border:1px solid rgba(198,156,62,.35);border-left:4px solid var(--gold);background:var(--black-3);padding:22px 22px 24px}
.sim-cta b{display:block;font-size:1.15rem;font-weight:800;color:var(--white);margin-bottom:6px}
.sim-cta p{color:#bdb8ad;font-size:.9rem;margin-bottom:16px}
.sim-cta-btns{display:flex;flex-wrap:wrap;gap:10px}
.sim-cta-btns .btn{padding:12px 18px;font-size:.74rem}
@media (max-width:960px){ .sim-izq{display:contents} .result{order:1} .sim-cta{order:2} } /* en celular: primero los resultados, después el llamado */
.result{display:flex;flex-direction:column;justify-content:center;gap:20px}
.result div{border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:16px}
.result span{color:var(--muted-dark);font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase}
.result strong{display:block;font-size:2rem;font-weight:800;color:var(--gold);font-variant-numeric:tabular-nums}
.sim-note{font-size:.78rem;color:#8a857b;margin-top:20px}

/* Preguntas */
.faq{max-width:840px;margin:44px auto 0;border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line);padding:22px 0}
summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-size:1.5rem;line-height:1;font-weight:400}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin-top:12px;max-width:68ch}

/* Contacto */
#contacto{background:var(--stone)}
.contact-info dl{display:grid;gap:18px;margin-top:32px}
.contact-info dt{font-size:.7rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dark)}
.contact-info dd{font-weight:600}
form{background:var(--white);padding:38px;border:1px solid var(--line);border-top:4px solid var(--gold)}
form .field label{color:var(--muted)}
form input,form textarea,form select{border:1px solid var(--line);background:var(--white);color:var(--ink)}
form textarea{min-height:110px;resize:vertical}
form .btn{border:0;cursor:pointer;width:100%;font-family:var(--font)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
.form-row > *{min-width:0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-error{margin-top:14px;font-size:.88rem;color:#a12a1f;font-weight:600}
.field input.bad{border-color:#a12a1f}
form .btn[disabled]{opacity:.6;cursor:wait}
.form-ok{background:var(--black);color:var(--white);padding:44px 38px;border-top:4px solid var(--gold);align-self:center}
.form-ok b{display:block;font-size:1.4rem;font-weight:800;color:var(--gold);margin-bottom:10px}
.form-ok p{color:#d9d5cc;font-size:1.02rem}
@media (max-width:600px){.form-row{grid-template-columns:1fr}}

footer{background:var(--black);color:#8a857b;padding-block:56px 32px;font-size:.84rem}
.foot-top{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:24px;margin-bottom:30px}
.foot-top img{height:56px;width:auto}
.disclaimer{border-top:1px solid rgba(255,255,255,.08);padding-top:24px;font-size:.76rem;line-height:1.75}
.disclaimer strong{color:#bdb8ad}
.disclaimer a{color:#bdb8ad;text-decoration:underline;text-underline-offset:2px}
.disclaimer a:hover{color:var(--gold-light)}

/* Reinversión / interés compuesto */
#reinversion{background:var(--stone);position:relative;overflow:hidden}
#reinversion h2 span{color:var(--gold-dark)}
.ci-head{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:end}
.ci-head > *{min-width:0}
.ci-big{background:var(--black);color:var(--white);padding:28px 30px;border-top:4px solid var(--gold)}
.ci-big span{display:block;font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--muted-dark)}
.ci-big strong{display:block;font-size:clamp(2rem,4.4vw,3rem);font-weight:900;color:var(--gold);line-height:1.1;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.ci-big p{color:#bdb8ad;font-size:.88rem;margin-top:6px}
.ci-box{display:grid;grid-template-columns:280px 1fr;gap:40px;margin-top:44px;background:var(--white);border:1px solid var(--line);padding:36px}
.ci-box > *{min-width:0}
.ci-box .field input,.ci-box .field select{border:1px solid var(--line);background:var(--white);color:var(--ink)}
.ci-box .field label{color:var(--muted)}
.ci-box input[type=range]{padding:0;accent-color:var(--gold);border:0}
.ci-years{font-weight:800;color:var(--ink)}
.ci-totals{display:grid;gap:14px;margin-top:8px;border-top:1px solid var(--line);padding-top:18px}
.ci-totals div{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:.88rem;color:var(--muted)}
.ci-totals b{font-size:1.05rem;color:var(--ink);font-variant-numeric:tabular-nums}
.ci-totals .k{display:inline-block;width:10px;height:10px;margin-right:8px;vertical-align:middle}
.chart-wrap{overflow-x:auto}
.chart-wrap svg{width:100%;height:auto;display:block}
@media (max-width:640px){
  input,select,textarea,.field input,.field select,.field textarea{font-size:16px} /* menos de 16px hace zoom en iPhone */
  .menu a{display:block;padding:6px 0}
}
.chart-wrap text{font-family:var(--font);font-size:11px;fill:var(--muted);font-variant-numeric:tabular-nums}
.ci-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
.ci-steps div{border-left:2px solid var(--gold);padding-left:18px}
.ci-steps b{display:block;font-size:.98rem;margin-bottom:4px}
.ci-steps p{color:var(--muted);font-size:.9rem}
.ci-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:44px;background:var(--black);color:var(--white);padding:30px 34px}
.ci-cta p{font-weight:700;font-size:1.15rem;max-width:560px}
.ci-cta p span{color:var(--gold)}
.ci-note{font-size:.78rem;color:var(--muted);margin-top:18px}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media (max-width:960px){
  .grid-2,.sim,.ci-head,.ci-box{grid-template-columns:1fr}
  .ci-steps{grid-template-columns:1fr}
  .plans{grid-template-columns:1fr;gap:34px}
  .steps{grid-template-columns:1fr 1fr}
  .step:nth-child(3){padding-left:0;border-left:0}
  .menu{display:none;position:absolute;top:78px;left:0;right:0;background:var(--black);flex-direction:column;gap:18px;padding:24px max(20px,env(safe-area-inset-right,0px)) 28px max(20px,env(safe-area-inset-left,0px));border-bottom:1px solid rgba(198,156,62,.25)}
  .menu.open{display:flex}
  .menu{align-items:flex-start}
  .menu a.menu-cuenta{padding:10px 18px}
  .burger{display:block}
}
@media (max-width:600px){
  section{padding-block:68px}
  .nav .logo img{height:36px}
  .stats{grid-template-columns:1fr 1fr;gap:28px}
  .values,.steps{grid-template-columns:1fr}
  .step,.step + .step{padding:24px 0 8px;border-left:0;border-bottom:1px solid var(--line)}
  .sim,form,.ci-box,.ci-cta{padding:24px}
  .ribbon .wrap{justify-content:center}
  .wrap{padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
}

/* Menú: página actual */
.menu a[aria-current="page"]{color:var(--gold-light)}

/* Páginas internas: encabezado con migas de pan */
.page-hero{background:var(--black);color:var(--white);padding-block:64px 60px;position:relative;overflow:hidden;border-bottom:4px solid var(--gold)}
.page-hero svg.trend{position:absolute;right:-40px;bottom:0;width:min(560px,60%);height:auto;opacity:.5;pointer-events:none}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{font-size:clamp(1.9rem,5vw,3.2rem);font-weight:900;letter-spacing:-.02em;max-width:860px;margin-bottom:18px}
.page-hero h1 span{color:var(--gold)}
.page-hero .sub{color:#bdb8ad;max-width:680px;font-size:1.05rem;font-weight:300}
.crumbs{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--muted-dark);margin-bottom:22px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.crumbs li+li::before{content:"›";margin-right:8px;color:var(--gold)}
.crumbs a:hover{color:var(--gold-light)}

/* Texto largo */
.prose{max-width:780px}
.prose h3{font-size:1.2rem;font-weight:700;margin:32px 0 8px}
.prose p,.prose li{color:var(--muted)}
.prose p+p{margin-top:14px}
.prose ul,.prose ol{margin:12px 0 0 22px}
.prose li{margin-bottom:8px}
.prose strong{color:var(--ink)}
.prose a,.link{color:var(--gold-dark);font-weight:700}
.prose a:hover,.link:hover{color:var(--gold)}
.band-stone{background:var(--stone)}
.grid-2.top{align-items:start}
.more{margin-top:26px}
.aviso{font-size:.8rem;color:var(--muted);margin-top:24px;max-width:780px}

/* Tabla comparativa */
.tabla-wrap{overflow-x:auto;border:1px solid var(--line);margin-top:32px;background:var(--white)}
.tabla{width:100%;border-collapse:collapse;font-size:.92rem;min-width:620px;table-layout:fixed}
.tabla th,.tabla td{padding:14px 18px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tabla thead th{background:var(--black);color:var(--white);font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700}
.tabla thead th:not(:first-child){color:var(--gold-light)}
.tabla tbody th{font-weight:700;width:24%}
.tabla td{color:var(--muted)}
.tabla tbody tr:last-child th,.tabla tbody tr:last-child td{border-bottom:0}

/* Ejemplo numérico */
.ejemplo{background:var(--white);border:1px solid var(--line);border-left:4px solid var(--gold);padding:24px 26px;margin-top:22px}
.ejemplo b.t{display:block;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:12px}
.ejemplo dl{display:grid;grid-template-columns:1fr auto;gap:8px 24px;font-size:.94rem}
.ejemplo dt{color:var(--muted)}
.ejemplo dd{font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
.ejemplo .fin{border-top:1px solid var(--line);padding-top:8px;color:var(--ink);font-weight:700}

/* Llamado final y páginas relacionadas */
.cta-band{background:var(--black);color:var(--white);padding-block:64px}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta-band h2{margin:0;color:var(--white)}
.cta-band h2 span{color:var(--gold)}
.cta-band p{color:#bdb8ad;margin-top:8px;max-width:560px}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}
.related a{display:block;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--gold);padding:24px;transition:.2s}
.related a:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(12,12,12,.08)}
.related b{display:block;font-size:1.02rem;margin-bottom:4px}
.related span{color:var(--muted);font-size:.88rem}

/* Pie de página */
.foot-nav{display:flex;flex-wrap:wrap;gap:10px 26px;margin-bottom:26px;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:#bdb8ad}
.foot-nav a:hover,.foot-top a:hover{color:var(--gold-light)}

@media (max-width:960px){.related{grid-template-columns:1fr}}
@media (max-width:600px){
  .page-hero{padding-block:48px 44px}
  .cta-band{padding-block:52px}
  .ejemplo{padding:20px}
}

/* Preguntas agrupadas por tema */
.faq-grupo{font-size:1.35rem;max-width:840px;margin:64px auto 0}
.faq-grupo:first-child{margin-top:0}
.faq-grupo + .faq{margin-top:18px}