:root{--ink:#13263B;--text:#18283A;--muted:#5E6B78;--blue:#2D6CAA;--sky:#F2F7FB;--border:#D9E1E8;--ivory:#FBF8F2}*{box-sizing:border-box}body{margin:0;color:var(--text);font:16px/1.7 Inter,system-ui,sans-serif}a{color:var(--blue);text-decoration:none}.top{border-bottom:1px solid var(--border);background:#fff;position:sticky;top:0;z-index:20}.topin,.wrap{width:min(calc(100% - 40px),1080px);margin:auto}.topin{height:66px;display:flex;align-items:center;gap:22px}.brand{margin-right:auto;display:flex;align-items:center;gap:9px;color:var(--ink);font-weight:800;font-size:19px}.mark{width:32px;height:32px;border-radius:10px;display:grid;place-items:center;background:var(--ink);color:#fff}.nav{display:flex;gap:20px;font-size:13px;font-weight:650}.article{max-width:760px;margin:auto;padding:56px 0 80px}.crumb{font-size:13px;color:#5E6B78;margin-bottom:28px}.eyebrow{color:var(--blue);font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:800}h1,h2{font-family:Newsreader,Georgia,serif;color:var(--ink);letter-spacing:-.03em}h1{font-size:clamp(42px,7vw,64px);line-height:1.02;margin:10px 0 18px}h2{font-size:30px;line-height:1.1;margin:40px 0 12px}.lede{font-size:19px;line-height:1.6;color:var(--muted)}.meta{padding:14px 0 24px;border-bottom:1px solid var(--border);color:#5E6B78;font-size:13px}.article p,.article li{color:var(--muted)}.callout{margin:28px 0;padding:18px 20px;border-radius:16px;background:var(--sky);border:1px solid #DCEAF7}.cta{margin-top:40px;padding:22px;border-radius:18px;background:var(--ink);color:#fff}.cta a,.button{display:inline-flex;margin-top:12px;padding:10px 15px;border-radius:11px;background:#fff;color:var(--ink);font-weight:750}.sources{margin-top:42px;padding-top:20px;border-top:1px solid var(--border)}.hub{padding:60px 0 80px}.hubhead{max-width:760px;margin-bottom:34px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{min-height:230px;display:flex;flex-direction:column;padding:22px;border:1px solid var(--border);border-radius:18px}.card h2{font:700 20px/1.25 Inter,system-ui,sans-serif;letter-spacing:-.02em;margin:18px 0 10px}.card p{margin:0;color:var(--muted);font-size:14px}.tag{color:var(--blue);font-size:11px;font-weight:800;text-transform:uppercase}.more{margin-top:auto;padding-top:18px;font-weight:750}.footer{border-top:1px solid var(--border);background:var(--ivory);padding:30px 0;color:var(--muted);font-size:13px}.footerin,.footlinks{display:flex;gap:14px 20px;flex-wrap:wrap}.footerin{justify-content:space-between}.notice{padding:20px;border-left:4px solid #28735A;background:#EDF7F2}@media(max-width:820px){.grid{grid-template-columns:1fr 1fr}.nav{display:none}}@media(max-width:580px){.grid{grid-template-columns:1fr}.article{padding-top:38px}}

/* Movimiento premium compartido por páginas editoriales. */
@media (hover:hover) and (pointer:fine){
.card,.callout,.button,.cta a,.brand,.nav a{transition:transform 220ms cubic-bezier(.22,1,.36,1),box-shadow 220ms cubic-bezier(.22,1,.36,1),border-color 220ms ease,background-color 220ms ease}
.card:hover{transform:translateY(-5px);box-shadow:0 20px 46px rgb(19 38 59/.10);border-color:rgb(45 108 170/.34)}
.button:hover,.cta a:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgb(19 38 59/.12)}
.brand:hover{transform:translateY(-1px)}
.nav a:hover{transform:translateY(-1px)}
}
.article>*{animation:mlStaticIn 480ms cubic-bezier(.22,1,.36,1) both}
.article>*:nth-child(2){animation-delay:35ms}.article>*:nth-child(3){animation-delay:70ms}.article>*:nth-child(4){animation-delay:105ms}.article>*:nth-child(5){animation-delay:140ms}
@keyframes mlStaticIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.article>*,.card,.callout,.button,.cta a,.brand,.nav a{animation:none!important;transition:none!important;transform:none!important}}

/* Aprende · guías y calculadoras vinculadas, sin JavaScript adicional. */
.top .brand img{display:block;max-width:144px;height:auto}
.nav [aria-current="page"]{color:#173c61;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:5px}
.hub .hubhead{margin-bottom:20px}
.learn-start{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}
.learn-start a,.guide-direct a{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:9px 14px;border:1px solid #cbdce9;border-radius:12px;color:#245c93;background:#f2f7fb;font-weight:750;font-size:13px;text-decoration:none}
.learn-start a:first-child,.learn-start a:first-child:visited{background:#173c61;border-color:#173c61;color:#fff!important}
.learn-start a:focus-visible,.card-content:focus-visible,.card-tool:focus-visible,.guide-direct a:focus-visible{outline:3px solid #2d6caa;outline-offset:3px}
.hub .card{min-width:0;min-height:0;padding:0;overflow:hidden}
.card-content{display:flex;flex-direction:column;flex:1;padding:20px;color:inherit;min-width:0}
.card-content h2{margin:11px 0 8px}
.card-content .more{color:#245c93}
.card-tools{display:flex;flex-wrap:wrap;gap:5px;border-top:1px solid var(--border);padding:9px 14px;background:#fafcfd}
.card-tool{font-size:12px;font-weight:750;padding:7px;color:#245c93}
.learn-method{margin-top:24px}
.guide-direct{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:16px 0 18px}
.guide-direct span{width:100%;color:#506477;font-size:11px;letter-spacing:.05em;text-transform:uppercase;font-weight:800}
#guias{scroll-margin-top:90px}
@media(max-width:820px){.topin{height:56px}.top .brand img{width:128px}}
@media(max-width:580px){
.topin,.wrap{width:min(calc(100% - 28px),1080px)}
.hub{padding:24px 0 46px}
.hub h1{font-size:38px;margin:7px 0 10px}
.hub .lede{font-size:15px;line-height:1.52}
.learn-start{margin-top:14px;gap:7px}
.learn-start a{font-size:12px;flex:1 1 auto}
.hub .grid{gap:10px}
.hub .card{border-radius:15px}
.card-content{padding:16px 16px 9px}
.card-content h2{font-size:19px;margin:7px 0}
.card-content p{font-size:13px;line-height:1.5}
.card-content .more{padding-top:10px;font-size:12px}
.card-tools{padding:5px 10px}
.card-tool{min-height:42px;display:inline-flex;align-items:center}
.article{padding:25px 0 55px}
.article h1{font-size:37px}
.article .lede{font-size:16px;line-height:1.5}
.article .crumb{margin-bottom:13px}
.article .meta{padding-top:8px}
}
/* Aprende · elige una situación con un toque, explicación completa si la necesitas. */
.learn-finder{background:#f2f7fb;border:1px solid #d8e4ec;border-radius:21px;padding:clamp(16px,3vw,24px);margin:18px 0 20px;color:#17334d}
.learn-finder-eyebrow{font-size:11px!important;color:#376389!important;letter-spacing:.055em;font-weight:800;text-transform:uppercase;margin:0 0 7px!important}
.learn-finder h2{font:600 clamp(26px,4vw,36px)/1.07 Newsreader,Georgia,serif;margin:0 0 16px;color:#153753}
.learn-finder-choices{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:9px}
.learn-finder-choices button{min-height:50px;text-align:left;border:1px solid #c5d8e6;border-radius:13px;padding:10px 13px;background:#fff;color:#21496d;font:750 12px/1.4 Inter,system-ui,sans-serif;cursor:pointer}
.learn-finder-choices button[aria-pressed="true"]{border-color:#285f91;background:#dfeef9;color:#153753;box-shadow:inset 0 0 0 1px #285f91}
.learn-finder-result{display:grid;gap:7px;margin-top:13px;border-top:1px solid #c8d9e7;padding-top:15px}
.learn-finder-result[hidden]{display:none}
.learn-finder-result>span{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.055em;color:#295c87}
.learn-finder-result h3{font:600 28px/1.08 Newsreader,Georgia,serif;margin:0;color:#153753}
.learn-finder-result p{font-size:13px;color:#465f75;margin:0;line-height:1.55}
.learn-finder-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
.learn-finder-actions a{display:inline-flex;min-height:44px;align-items:center;border-radius:11px;padding:10px 14px;text-decoration:none;background:#174e7b;color:#fff!important;font-weight:750;font-size:12px}
.learn-finder-actions a+a{background:#fff;border:1px solid #b8d0e2;color:#1b5787!important}
.learn-catalog{border:1px solid #d8e4ee;border-radius:16px;margin:14px 0 22px;background:#fff;overflow:hidden}
.learn-catalog>summary{display:flex;align-items:center;justify-content:space-between;gap:10px;cursor:pointer;min-height:56px;padding:14px 19px;font-size:13px;font-weight:850;color:#245b88;list-style:none}
.learn-catalog>summary::-webkit-details-marker{display:none}
.learn-catalog>summary span{font-size:18px}
.learn-catalog[open]>summary{border-bottom:1px solid #dbe6ee}
.learn-catalog>.grid{padding:14px}
.learn-finder button:focus-visible,.learn-finder a:focus-visible,.learn-catalog summary:focus-visible{outline:3px solid #2563eb;outline-offset:3px}
#encontrar,#catalogo{scroll-margin-top:84px}
@media(max-width:760px){.learn-finder-choices{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:480px){
.learn-finder{padding:14px;margin-top:14px}
.learn-finder h2{font-size:29px;margin-bottom:12px}
.learn-finder-choices{gap:7px}
.learn-finder-choices button{font-size:12px;min-height:48px;padding:9px 11px}
.learn-finder-result h3{font-size:25px}
.learn-finder-actions a{flex:1 1 auto}
.learn-catalog>summary{padding:12px 15px}
.learn-catalog>.grid{padding:9px}
}