/* Sistema visual de las guias normativas del blog (tarifas 2027, PIAR, ...).
   Mismos tokens y componentes de edtools-pay.html; claro por defecto. */
/* Tokens y componentes del sistema de marketing (mismos de edtools-pay.html) */
:root { --green:#00db8e; --green-dark:#00b378; --font-roboto:'Roboto',-apple-system,BlinkMacSystemFont,sans-serif; --radius-pill:9999px; --maxw:1200px; --side-pad:32px; }
html[data-theme="dark"] {
    --page:#08090a; --raised:#17181b; --text-primary:#f7f8f8; --text-secondary:#8a8f98; --text-tertiary:#62666d;
    --border-subtle:rgba(255,255,255,.08); --border-solid:#3a3c40; --soft-line:rgba(255,255,255,.06);
    --header-bg:linear-gradient(180deg,rgba(11,11,11,.8) 0%,rgba(11,11,11,.76) 100%);
    --surface-raised:#17181b; --card-surface:#0e0f11;
    --calc-brand-tint:rgba(0,219,142,.09); --calc-brand-line:rgba(0,219,142,.32);
    --calc-alert:#ff8f6b; --calc-alert-tint:rgba(255,143,107,.10); --calc-alert-line:rgba(255,143,107,.30);
    --brand-ink:#00db8e;
}
html[data-theme="light"] {
    --page:#ffffff; --raised:#f7f8f8; --text-primary:#08090a; --text-secondary:#5b6069; --text-tertiary:#8a8f98;
    --border-subtle:rgba(8,9,10,.08); --border-solid:#e5e5e6; --soft-line:rgba(8,9,10,.06);
    --header-bg:linear-gradient(180deg,rgba(255,255,255,.85) 0%,rgba(255,255,255,.7) 100%);
    --surface-raised:#f5f6f7; --card-surface:#ffffff;
    --calc-brand-tint:rgba(0,179,120,.09); --calc-brand-line:rgba(0,179,120,.30);
    --calc-alert:#b8471f; --calc-alert-tint:rgba(184,71,31,.07); --calc-alert-line:rgba(184,71,31,.22);
    --brand-ink:#00875c;
}
* { box-sizing:border-box; }
html,body { margin:0; padding:0; }
html { scroll-behavior:smooth; scroll-padding-top:110px; }
body { background:var(--page); color:var(--text-primary); font-family:var(--font-roboto); -webkit-font-smoothing:antialiased; min-height:100vh; }
a { color:inherit; text-decoration:none; }
.mkt-shell { max-width:var(--maxw); margin:0 auto; }
.mkt-section { width:100%; padding:100px var(--side-pad); }
.mkt-section.bordered { border-top:1px solid var(--border-subtle); }

/* Header */
.mkt-header { position:sticky; top:0; z-index:20; height:98px; background:var(--header-bg); border-bottom:1px solid var(--border-subtle); backdrop-filter:blur(20px); -webkit-backdrop-filter:blur(20px); display:flex; align-items:center; padding:0 79px 0 71px; }
.mkt-logo { display:flex; align-items:center; flex-shrink:0; }
.mkt-brand-logo { display:block; width:135px; height:auto; }
.mkt-nav { display:flex; align-items:center; gap:24px; }
.mkt-nav a { font-size:13px; font-weight:500; letter-spacing:-.13px; color:var(--text-secondary); white-space:nowrap; }
.mkt-nav a.active,.mkt-nav a:hover { color:var(--text-primary); }
.mkt-header-divider { width:1px; height:16px; background:var(--border-solid); margin:0 20px; }
.mkt-header-actions { display:flex; align-items:center; gap:8px; }
.mkt-breadcrumb { font-size:13px; color:var(--text-tertiary); }
.mkt-breadcrumb a { color:var(--text-secondary); }
.mkt-breadcrumb a:hover { color:var(--text-primary); }

/* Hero */
.calc-hero { padding-top:56px; padding-bottom:72px; }
.calc-hero .inner { max-width:860px; }
.mkt-eyebrow { font-size:13px; font-weight:600; letter-spacing:-.13px; color:var(--brand-ink); margin:0 0 14px; }
.calc-hero h1 { margin:0; font-weight:600; font-size:50px; line-height:56px; letter-spacing:-1.3px; color:var(--text-primary); }
.calc-hero p.lead { margin:22px 0 0; max-width:680px; font-size:17px; line-height:27px; color:var(--text-secondary); }
.calc-hero p.lead strong { color:var(--text-primary); font-weight:600; }
.hero-meta { margin:18px 0 0; font-size:13px; color:var(--text-tertiary); }

/* Calculadora */
.calc-top { display:grid; grid-template-columns:1.25fr 1fr; gap:20px; margin-top:44px; align-items:start; }
.calc-card { background:var(--card-surface); border:1px solid var(--border-subtle); border-radius:14px; padding:24px; }
.calc-field + .calc-field { margin-top:22px; }
.calc-field[hidden] { display:none; }
.calc-lbl { display:block; font-size:12.5px; font-weight:600; letter-spacing:-.05px; color:var(--text-tertiary); margin-bottom:10px; }
.opts { display:flex; flex-wrap:wrap; gap:8px; margin:0; padding:0; border:0; }
.opt { position:relative; }
.opt input { position:absolute; opacity:0; width:1px; height:1px; }
.opt span { display:inline-flex; align-items:center; gap:6px; font-size:13px; font-weight:500; color:var(--text-secondary); border:1px solid var(--border-solid); border-radius:var(--radius-pill); padding:8px 14px; cursor:pointer; transition:color 120ms ease,border-color 120ms ease,background 120ms ease; user-select:none; }
.opt span small { font-size:11.5px; font-weight:600; color:var(--text-tertiary); }
.opt:hover span { color:var(--text-primary); border-color:var(--text-tertiary); }
.opt input:checked + span { color:var(--brand-ink); border-color:var(--calc-brand-line); background:var(--calc-brand-tint); }
.opt input:checked + span small { color:var(--brand-ink); }
.opt input:focus-visible + span { outline:2px solid var(--green); outline-offset:2px; }
.calc-hint { font-size:12.5px; line-height:19px; color:var(--text-tertiary); margin:10px 0 0; }

.calc-verdict { background:var(--calc-brand-tint); border:1px solid var(--calc-brand-line); border-radius:14px; padding:26px; position:sticky; top:118px; }
.calc-verdict .v-label { font-size:12.5px; font-weight:600; letter-spacing:-.05px; color:var(--brand-ink); }
.calc-verdict .v-figure { font-weight:600; font-size:60px; line-height:64px; letter-spacing:-1.8px; font-variant-numeric:tabular-nums; color:var(--brand-ink); margin:8px 0 6px; }
.calc-verdict .v-detail { font-size:14px; line-height:22px; color:var(--text-secondary); margin:0; }
.v-desglose { list-style:none; margin:18px 0 0; padding:0; border-top:1px solid var(--calc-brand-line); }
.v-desglose li { display:flex; justify-content:space-between; gap:16px; padding:10px 0; border-bottom:1px solid var(--soft-line); font-size:13.5px; color:var(--text-secondary); font-variant-numeric:tabular-nums; }
.v-desglose li strong { color:var(--text-primary); font-weight:600; }
.v-alert { margin:14px 0 0; padding:10px 12px; border-radius:10px; background:var(--calc-alert-tint); border:1px solid var(--calc-alert-line); color:var(--text-primary); font-size:13px; line-height:20px; }
.v-alert[hidden] { display:none; }
.v-actions { display:flex; flex-wrap:wrap; gap:8px; margin-top:18px; }

.calc-bottom { display:grid; grid-template-columns:1.25fr 1fr; gap:20px; margin-top:20px; }
.ledger { width:100%; border-collapse:collapse; font-variant-numeric:tabular-nums; }
.ledger th { text-align:left; font-size:12.5px; font-weight:600; color:var(--text-tertiary); padding:0 8px 10px 0; border-bottom:1px solid var(--border-solid); }
.ledger th:last-child,.ledger td:last-child { text-align:right; padding-right:0; }
.ledger td { padding:10px 8px 10px 0; border-bottom:1px solid var(--border-subtle); font-size:14px; color:var(--text-primary); }
.ledger td[data-max] { font-weight:600; color:var(--brand-ink); white-space:nowrap; }
.mini { width:100%; font-family:var(--font-roboto); font-size:14px; font-weight:500; font-variant-numeric:tabular-nums; color:var(--text-primary); background:var(--surface-raised); border:1px solid var(--border-solid); border-radius:8px; padding:8px 10px; }
.mini:focus-visible { outline:2px solid var(--green); outline-offset:1px; border-color:transparent; }
.link-btn { background:none; border:none; padding:0; margin-top:12px; font-family:var(--font-roboto); font-size:13px; font-weight:600; color:var(--brand-ink); cursor:pointer; }
.fecha-out { margin:14px 0 0; font-size:15px; line-height:22px; color:var(--text-primary); }
.fecha-out strong { color:var(--brand-ink); }

/* Botones */
.btn-mkt { display:inline-flex; align-items:center; justify-content:center; border-radius:var(--radius-pill); font-family:var(--font-roboto); font-weight:600; white-space:nowrap; cursor:pointer; text-decoration:none; transition:background-color 120ms ease,opacity 120ms ease; }
.btn-mkt.sm { height:34px; padding:0 14px; font-size:13px; }
.btn-mkt.lg { height:44px; padding:0 20px; font-size:15px; }
.btn-mkt.brand { background-color:var(--green); color:#08090a; border:none; box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 8px 20px -8px rgba(0,219,142,.55); }
.btn-mkt.brand:hover { background-color:var(--green-dark); }
.btn-mkt.ghost { background-color:transparent; color:var(--text-primary); border:1px solid var(--border-solid); }
.btn-mkt.ghost:hover { background-color:var(--border-subtle); }
.btn-mkt:disabled { opacity:.6; cursor:default; }

/* Guia: indice fijo + columna de lectura */
.guide { display:grid; grid-template-columns:220px minmax(0,1fr); gap:64px; }
.toc { position:sticky; top:130px; align-self:start; }
.toc p { margin:0 0 12px; font-size:12px; font-weight:600; letter-spacing:.04em; text-transform:uppercase; color:var(--text-tertiary); }
.toc a { display:block; padding:6px 0 6px 12px; border-left:1px solid var(--border-subtle); font-size:13px; line-height:18px; color:var(--text-secondary); }
.toc a:hover { color:var(--text-primary); border-left-color:var(--brand-ink); }
.art { max-width:760px; }
.art h2 { margin:64px 0 16px; font-weight:600; font-size:28px; line-height:34px; letter-spacing:-.5px; color:var(--text-primary); }
.art h2:first-child { margin-top:0; }
.art h3 { margin:28px 0 8px; font-weight:600; font-size:18px; letter-spacing:-.2px; color:var(--text-primary); }
.art p,.art li { font-size:16px; line-height:27px; color:var(--text-secondary); }
.art p { margin:0 0 16px; }
.art strong { color:var(--text-primary); font-weight:600; }
.art a:not(.btn-mkt) { color:var(--brand-ink); text-decoration:underline; text-underline-offset:3px; }
.art ul,.art ol { margin:0 0 16px; padding-left:22px; }
.art li { margin-bottom:8px; }
.tbl-scroll { overflow-x:auto; margin:20px 0 24px; }
.tbl { width:100%; border-collapse:collapse; font-size:14px; }
.tbl th { text-align:left; font-size:12.5px; font-weight:600; color:var(--text-tertiary); padding:0 14px 12px 0; border-bottom:1px solid var(--border-solid); vertical-align:bottom; }
.tbl td { padding:13px 14px 13px 0; border-bottom:1px solid var(--border-subtle); color:var(--text-secondary); vertical-align:top; line-height:21px; }
.tbl td:first-child,.tbl th[scope="row"] { color:var(--text-primary); font-weight:500; }
.tbl th[scope="row"] { font-size:14px; padding:13px 14px 13px 0; border-bottom:1px solid var(--border-subtle); width:34%; vertical-align:top; }
.tbl .num { font-variant-numeric:tabular-nums; white-space:nowrap; }
.tbl .max { color:var(--brand-ink); font-weight:600; }
.tbl-params { min-width:640px; }

/* Pasos */
.steps { list-style:none; padding:0 !important; margin:20px 0 24px; counter-reset:paso; }
.steps li { position:relative; padding:0 0 22px 52px; margin:0; counter-increment:paso; }
.steps li::before { content:counter(paso); position:absolute; left:0; top:0; width:32px; height:32px; border-radius:50%; border:1px solid var(--calc-brand-line); background:var(--calc-brand-tint); color:var(--brand-ink); font-size:14px; font-weight:600; display:flex; align-items:center; justify-content:center; }
.steps li::after { content:""; position:absolute; left:16px; top:38px; bottom:6px; width:1px; background:var(--border-subtle); }
.steps li:last-child::after { display:none; }
.steps li strong { display:block; margin-bottom:2px; }

/* Avisos y ganchos */
.note { margin:20px 0 24px; padding:16px 18px; border-radius:12px; background:var(--calc-alert-tint); border:1px solid var(--calc-alert-line); }
.note p { margin:0; color:var(--text-primary); font-size:15px; line-height:24px; }
.hook { margin:28px 0; padding:22px 24px; border-radius:14px; background:var(--calc-brand-tint); border:1px solid var(--calc-brand-line); }
.hook .hook-tag { display:inline-block; font-size:11px; font-weight:600; letter-spacing:.04em; text-transform:uppercase; color:var(--brand-ink); margin-bottom:8px; }
.hook .hook-t { margin:0 0 6px !important; font-size:17px !important; font-weight:600; color:var(--text-primary) !important; line-height:24px !important; }
.hook p { margin:0 0 12px; font-size:15px; line-height:24px; }
.hook a.hook-link { font-size:14px; font-weight:600; color:var(--brand-ink); text-decoration:none !important; }
.hook a.hook-link:hover { text-decoration:underline !important; }

/* Checklist */
.check-card { margin:20px 0 12px; padding:8px 22px; border-radius:14px; background:var(--card-surface); border:1px solid var(--border-subtle); }
.check-list { list-style:none; padding:0 !important; margin:0 !important; }
.check-list li { display:flex; gap:12px; align-items:flex-start; padding:12px 0; margin:0; border-bottom:1px solid var(--border-subtle); font-size:15px; line-height:23px; }
.check-list li:last-child { border-bottom:0; }
.check-list li::before { content:""; flex:0 0 18px; height:18px; margin-top:2px; border-radius:5px; border:1.5px solid var(--border-solid); }

/* Recurso descargable */
.resource { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin:24px 0; }
.resource-info { padding:24px; border-radius:14px; background:var(--card-surface); border:1px solid var(--border-subtle); }
.resource-info .doc-ico { width:44px; height:52px; border-radius:6px; background:var(--calc-brand-tint); border:1px solid var(--calc-brand-line); color:var(--brand-ink); display:flex; align-items:flex-end; justify-content:center; padding-bottom:8px; font-size:10px; font-weight:700; letter-spacing:.04em; margin-bottom:16px; }
.resource-info h3 { margin:0 0 8px !important; }
.resource-info ul { margin:0 !important; }
.resource-info li { font-size:14px !important; line-height:22px !important; }
.form-acta { padding:24px; border-radius:14px; background:var(--calc-brand-tint); border:1px solid var(--calc-brand-line); }
.form-acta label.f { display:block; font-size:12.5px; font-weight:600; color:var(--text-tertiary); margin:0 0 6px; }
.form-acta .fld { margin-bottom:14px; }
.form-acta input[type=text],.form-acta input[type=email],.form-acta select { width:100%; font-family:var(--font-roboto); font-size:15px; color:var(--text-primary); background:var(--card-surface); border:1px solid var(--border-solid); border-radius:10px; padding:11px 12px; }
.form-acta input:focus-visible,.form-acta select:focus-visible { outline:2px solid var(--green); outline-offset:1px; border-color:transparent; }
.form-acta .two { display:grid; grid-template-columns:1fr 1fr; gap:12px; }
.lead-consent { display:flex; gap:10px; align-items:flex-start; font-size:12.5px !important; line-height:19px !important; color:var(--text-secondary); margin:0 0 12px; cursor:pointer; }
.lead-consent input { margin-top:3px; accent-color:var(--green); }
.lead-consent a { color:var(--brand-ink); text-decoration:underline; }
.form-acta .btn-mkt { width:100%; margin-top:4px; }
.form-err { margin:12px 0 0 !important; font-size:13px !important; color:var(--calc-alert) !important; }
.form-ok { padding:24px; border-radius:14px; background:var(--calc-brand-tint); border:1px solid var(--calc-brand-line); }
.form-ok[hidden],.form-acta[hidden] { display:none; }
.hp { position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden; }

/* FAQ (mismo acordeon de edtools-pay) */
.faq-grid { display:grid; grid-template-columns:.8fr 1.2fr; gap:64px; }
.calc-h2 { margin:0; font-weight:600; font-size:28px; letter-spacing:-.5px; color:var(--text-primary); }
.calc-intro { margin:12px 0 0; max-width:720px; font-size:15px; line-height:24px; color:var(--text-secondary); }
.faq-item { border-bottom:1px solid var(--border-subtle); }
.faq-item button { width:100%; background:none; border:none; cursor:pointer; display:flex; align-items:center; justify-content:space-between; padding:22px 0; text-align:left; font-family:var(--font-roboto); }
.faq-item .faq-q { font-weight:500; font-size:16px; color:var(--text-primary); letter-spacing:-.2px; }
.faq-item .faq-icon { flex-shrink:0; margin-left:20px; width:22px; height:22px; display:flex; align-items:center; justify-content:center; color:var(--text-tertiary); transition:transform 180ms ease; }
.faq-item.open .faq-icon { transform:rotate(45deg); }
.faq-item .faq-a { margin:0 0 22px; max-width:720px; font-size:14.5px; line-height:23px; color:var(--text-secondary); display:none; }
.faq-item.open .faq-a { display:block; }

.calc-fineprint { margin-top:40px; padding-top:22px; border-top:1px solid var(--soft-line); font-size:12.5px; line-height:20px; color:var(--text-tertiary); }
.calc-fineprint a { color:var(--text-secondary); text-decoration:underline; text-underline-offset:2px; }

/* Relacionados + CTA final */
.rel-grid { display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-top:28px; }
.rel-card { display:block; padding:22px; border-radius:14px; background:var(--card-surface); border:1px solid var(--border-subtle); transition:border-color 120ms ease; }
.rel-card:hover { border-color:var(--text-tertiary); }
.rel-card span { display:block; font-size:12.5px; font-weight:600; color:var(--brand-ink); margin-bottom:8px; }
.rel-card strong { display:block; font-size:16px; font-weight:600; color:var(--text-primary); margin-bottom:6px; }
.rel-card p { margin:0; font-size:14px; line-height:22px; color:var(--text-secondary); }
.calc-final { padding-top:100px; padding-bottom:120px; text-align:center; }
.calc-final h2 { margin:0; font-weight:600; font-size:44px; line-height:50px; letter-spacing:-1px; }
.calc-final p { margin:20px auto 0; max-width:580px; font-size:16px; line-height:26px; color:var(--text-secondary); }
.calc-final .ctas { display:flex; gap:12px; justify-content:center; margin-top:32px; flex-wrap:wrap; }

/* Footer */
.mkt-footer { border-top:1px solid var(--border-subtle); padding:72px 32px 40px; }
.mkt-footer-grid { max-width:1200px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:48px; align-items:flex-start; }
.mkt-footer-tag { font-size:13px; color:var(--text-secondary); line-height:20px; margin-top:20px; max-width:240px; }
.mkt-footer-col-title { font-weight:600; font-size:13px; color:var(--text-primary); margin-bottom:20px; }
.mkt-footer-links { display:flex; flex-direction:column; gap:10px; }
.mkt-footer-links a { font-size:13px; color:var(--text-secondary); }
.mkt-footer-links a:hover { color:var(--text-primary); }

/* Responsive */
@media (max-width:1040px) {
    .mkt-header { padding:0 32px; }
    .calc-top,.calc-bottom { grid-template-columns:1fr; }
    .calc-verdict { position:static; }
    .guide { grid-template-columns:minmax(0,1fr); gap:0; }
    .toc { display:none; }
}
@media (max-width:760px) {
    .mkt-header { padding:0 20px; height:72px; }
    .mkt-nav,.mkt-header-divider { display:none; }
    .mkt-section { padding:56px 20px; }
    .calc-hero { padding-top:28px; padding-bottom:48px; }
    .calc-hero h1 { font-size:32px; line-height:38px; letter-spacing:-.8px; }
    .calc-hero p.lead { font-size:16px; line-height:25px; }
    .calc-top { margin-top:28px; }
    .calc-card,.calc-verdict { padding:20px; }
    .calc-verdict .v-figure { font-size:48px; line-height:52px; }
    .art h2 { font-size:24px; line-height:30px; margin-top:48px; }
    .resource,.rel-grid,.faq-grid,.form-acta .two { grid-template-columns:1fr; }
    .faq-grid { gap:16px; }
    .calc-final { padding-top:64px; padding-bottom:72px; }
    .calc-final h2 { font-size:30px; line-height:36px; }
    .mkt-footer-grid { grid-template-columns:1fr 1fr; gap:32px; }
    .tbl-stack thead { display:none; }
    .tbl-stack,.tbl-stack tbody,.tbl-stack tr,.tbl-stack td { display:block; width:auto; }
    .tbl-stack tr { border:1px solid var(--border-subtle); border-radius:12px; padding:12px 14px; margin-bottom:10px; }
    .tbl-stack td { border:0; padding:3px 0; }
    .tbl-stack td:first-child { margin-bottom:6px; }
    .tbl-stack td[data-label]::before { content:attr(data-label) ": "; color:var(--text-tertiary); font-size:12.5px; }
}

/* Imprimir una seccion (calculadora o checklist) */
@media print {
    body.imprimir-seccion * { visibility:hidden !important; }
    body.imprimir-seccion .imprimir-esto, body.imprimir-seccion .imprimir-esto * { visibility:visible !important; color:#000 !important; background:#fff !important; border-color:#bbb !important; box-shadow:none !important; }
    body.imprimir-seccion .imprimir-esto { position:absolute; left:0; top:0; width:100%; }
    body.imprimir-seccion .imprimir-esto .v-actions, body.imprimir-seccion .imprimir-esto [data-agregar-fila] { display:none !important; }
}

/* ---- Componentes agregados con la guia del PIAR ---- */
.facts { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:12px; margin-top:36px; }
.fact { background:var(--card-surface); border:1px solid var(--border-subtle); border-radius:14px; padding:18px; }
.fact strong { display:block; font-size:30px; line-height:34px; font-weight:600; letter-spacing:-.8px; color:var(--brand-ink); font-variant-numeric:tabular-nums; }
.fact span { display:block; margin-top:6px; font-size:13px; line-height:19px; color:var(--text-secondary); }
.hero-ctas { display:flex; flex-wrap:wrap; gap:10px; margin-top:26px; }
.diagram { margin:24px 0 28px; padding:20px; border-radius:14px; background:var(--card-surface); border:1px solid var(--border-subtle); }
.diagram svg { display:block; width:100%; height:auto; }
.diagram figcaption { margin-top:12px; font-size:13px; line-height:20px; color:var(--text-tertiary); }
.dg-box { fill:var(--surface-raised); stroke:var(--border-solid); stroke-width:1; }
.dg-brand { fill:var(--calc-brand-tint); stroke:var(--calc-brand-line); stroke-width:1.2; }
.dg-alert { fill:var(--calc-alert-tint); stroke:var(--calc-alert-line); stroke-width:1.2; }
.dg-t { fill:var(--text-primary); font-family:var(--font-roboto); font-size:15px; font-weight:600; }
.dg-s { fill:var(--text-secondary); font-family:var(--font-roboto); font-size:12.5px; }
.dg-n { fill:var(--brand-ink); font-family:var(--font-roboto); font-size:13px; font-weight:700; }
.dg-line { stroke:var(--text-tertiary); stroke-width:1.4; fill:none; }
.dg-dash { stroke:var(--text-tertiary); stroke-width:1.2; fill:none; stroke-dasharray:4 4; }
.dg-arrow { fill:var(--text-tertiary); }
.chip-list { display:flex; flex-wrap:wrap; gap:8px; margin:6px 0 18px; padding:0 !important; list-style:none; }
.chip-list li { margin:0 !important; font-size:13.5px !important; line-height:20px !important; padding:7px 12px; border-radius:var(--radius-pill); border:1px solid var(--border-solid); color:var(--text-primary) !important; }
.bank { display:grid; grid-template-columns:1fr 1fr; gap:14px; margin:20px 0 24px; }
.bank-card { padding:18px 20px; border-radius:14px; background:var(--card-surface); border:1px solid var(--border-subtle); }
.bank-card h3 { margin:0 0 10px !important; font-size:16px !important; }
.bank-card ul { margin:0 !important; padding-left:18px; }
.bank-card li { font-size:14.5px !important; line-height:22px !important; margin-bottom:6px; }
@media (max-width:1040px) { .facts { grid-template-columns:repeat(2,minmax(0,1fr)); } }
@media (max-width:760px) { .bank { grid-template-columns:1fr; } .fact strong { font-size:26px; } }
.diagram .dg-mobile { display:none; }
.diagram ul.dg-mobile { margin:0; padding-left:20px; }
@media (max-width:760px) { .diagram svg { display:none; } .diagram .dg-mobile { display:block; } .diagram { padding:18px 16px 14px; } }