:root{--bg:#F9F6F0;--paper:#FFFFFF;--ink:#0A1F3C;--ink-2:#4A5A6A;--muted:#5F6B77;--gold:#C4A46C;--gold-dk:#7E6235;--line:rgba(10,31,60,.12);--deep:#061428}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,sans-serif;font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--gold-dk)}
img{max-width:100%;display:block}
h1,h2,h3{font-family:"Playfair Display",Georgia,serif;font-weight:600;line-height:1.2;color:var(--ink)}

/* HEADER */
.hdr{position:sticky;top:0;z-index:50;background:rgba(249,246,240,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr .in{max-width:1120px;margin:0 auto;padding:10px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand img{width:38px;height:38px;border-radius:50%}
.brand span{font-family:"Playfair Display",Georgia,serif;font-size:20px;letter-spacing:.22em;font-weight:600}
.nav{display:flex;align-items:center;gap:22px;list-style:none}
.nav a{color:var(--ink);text-decoration:none;font-size:14px;font-weight:500}
.nav a:hover,.nav a[aria-current]{color:var(--gold-dk)}
.lang{border:1px solid var(--line);border-radius:999px;padding:3px 12px;font-size:12px;font-weight:600;letter-spacing:.06em}
.menu-btn{display:none;background:none;border:0;font-size:22px;color:var(--ink);cursor:pointer}

/* LAYOUT */
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px;margin:0 auto;padding:0 20px}
section{padding:64px 0}
.kick{font-size:12px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dk)}
.sec-title{font-size:clamp(26px,3.4vw,36px);margin:8px 0 18px}
.lead{font-size:clamp(17px,2vw,19px);color:var(--ink-2)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:26px}
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;padding:13px 26px;border-radius:6px;font-weight:600;font-size:15px}
.btn.gold{background:var(--gold);color:var(--ink)}
.btn:hover{opacity:.92}

/* ABOUT HERO */
.about-hero{padding:56px 0 40px}
.about-hero .grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:48px;align-items:center}
.about-hero h1{font-size:clamp(34px,5vw,54px);margin:10px 0 16px}
.about-hero .role{font-size:15px;color:var(--muted);margin-bottom:22px}
.portrait{position:relative}
.portrait img{height:auto;border-radius:14px;box-shadow:0 18px 40px rgba(6,20,40,.15);aspect-ratio:4/5;object-fit:cover;width:100%}
.portrait .badge{position:absolute;left:-14px;bottom:22px;background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-size:13px;box-shadow:0 8px 20px rgba(6,20,40,.08)}
.portrait .badge b{display:block;font-family:"Playfair Display",serif;font-size:18px}
.stats{display:flex;gap:28px;flex-wrap:wrap;margin-top:26px}
.stats div{min-width:110px}
.stats b{display:block;font-family:"Playfair Display",serif;font-size:28px;color:var(--ink)}
.stats span{font-size:13px;color:var(--muted)}

/* TIMELINE */
.tl{list-style:none;border-left:2px solid var(--gold);margin-left:6px}
.tl li{position:relative;padding:0 0 26px 24px}
.tl li::before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--bg);border:2px solid var(--gold)}
.tl .yr{font-size:12px;font-weight:600;letter-spacing:.12em;color:var(--gold-dk);text-transform:uppercase}
.tl h3{font-family:Inter,sans-serif;font-size:17px;font-weight:600;margin:2px 0}
.tl p{color:var(--ink-2);font-size:15px}

/* CERTS */
.certs{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}
.cert{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:16px 18px;display:flex;flex-direction:column;gap:4px}
.cert b{font-size:15px}
.cert span{font-size:13px;color:var(--muted)}
.cert a{font-size:13px;font-weight:600;margin-top:4px;text-decoration:none}
.cert a::after{content:" ↗"}

/* SPLIT */
.split{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:44px;align-items:center}
.split img{height:auto;border-radius:14px;aspect-ratio:4/5;object-fit:cover;width:100%}
.note{border-left:3px solid var(--gold);background:var(--paper);padding:18px 22px;border-radius:0 10px 10px 0;color:var(--ink-2)}
.note strong{color:var(--ink)}
.dark{background:var(--ink);color:#fff}
.dark h2,.dark h3{color:#fff}
.dark .lead,.dark p{color:rgba(255,255,255,.8)}
.dark .kick{color:var(--gold)}
.money{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:24px}
.money div{border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:18px}
.money b{display:block;color:var(--gold);font-size:15px;margin-bottom:4px}
.money p{font-size:15px}
.contact-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

/* FOOTER */
.ftr{background:var(--deep);color:rgba(255,255,255,.6);padding:40px 0 30px;font-size:14px}
.ftr .in{max-width:1120px;margin:0 auto;padding:0 20px;display:flex;flex-wrap:wrap;gap:20px 32px;justify-content:space-between}
.ftr ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px 20px}
.ftr a{color:rgba(255,255,255,.75);text-decoration:none}
.ftr a:hover{color:var(--gold)}
.ftr .copy{width:100%;border-top:1px solid rgba(255,255,255,.1);padding-top:16px;font-size:12px}

@media(max-width:860px){
  .about-hero .grid,.split{grid-template-columns:1fr}
  .portrait{max-width:420px;margin:0 auto}
  .split img{max-width:420px;margin:0 auto}
  .portrait .badge{left:10px}
  .about-hero .portrait{order:-1;max-width:300px}
  .stats{gap:14px;flex-wrap:nowrap}
  .stats div{min-width:0;flex:1}
  .stats b{font-size:22px}
  .stats span{font-size:12px;line-height:1.4;display:block}
}
@media(max-width:720px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--bg);flex-direction:column;align-items:flex-start;padding:14px 20px 20px;gap:14px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  section{padding:48px 0}
}

/* EXCHANGES */
.page-hero{padding:56px 0 28px}
.page-hero h1{font-size:clamp(32px,4.6vw,48px);margin:10px 0 14px}
.meta-line{font-size:13px;color:var(--muted);margin-top:14px}
.ticker{display:none;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden;white-space:nowrap;padding:9px 0}
.ticker .tr{display:inline-flex;gap:40px;animation:tick 40s linear infinite;font-size:13px;font-weight:600}
.ticker .sym{color:var(--gold-dk);margin-right:6px}
.ticker .up{color:#2a7a3a}.ticker .dn{color:#a33}
.ticker.on{display:block}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker .tr{animation:none}}
.picks{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(46%,230px),1fr));gap:12px}
.pick{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:18px 20px;text-decoration:none;color:var(--ink);display:block;transition:box-shadow .2s}
.pick:hover{box-shadow:0 8px 22px rgba(6,20,40,.08)}
.pick .q{font-size:13px;color:var(--muted);display:block;margin-bottom:6px}
.pick b{font-family:"Playfair Display",serif;font-size:22px;display:block}
.pick span.go{font-size:13px;color:var(--gold-dk);font-weight:600}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:10px;background:var(--paper)}
table.cmp{border-collapse:collapse;width:100%;min-width:760px;font-size:14px}
table.cmp th,table.cmp td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
table.cmp thead th{background:var(--ink);color:#fff;font-weight:600;font-size:13px}
table.cmp tbody th{font-family:"Playfair Display",serif;font-size:16px;white-space:nowrap}
table.cmp tr:last-child td,table.cmp tr:last-child th{border-bottom:0}
.tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.04em;border-radius:999px;padding:2px 9px;margin-top:4px}
.tag.ok{background:#e6f2e8;color:#2a6a37}.tag.warn{background:#fbf0dc;color:#8a5a12}.tag.no{background:#f1e6e6;color:#8a2a2a}
.fine{font-size:12px;color:var(--muted)}
.ex-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,440px),1fr));gap:18px}
.ex{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:24px;display:flex;flex-direction:column;gap:10px}
.ex h3{font-size:24px}
.ex .best{font-size:13px;font-weight:600;color:var(--gold-dk);text-transform:uppercase;letter-spacing:.08em}
.ex ul{margin-left:18px;font-size:15px;color:var(--ink-2)}
.ex .pros li::marker{content:"✓  ";color:#2a7a3a}
.ex .cons li::marker{content:"–  ";color:#a33}
.ex .btn{align-self:flex-start;margin-top:auto}
.ex .disc{font-size:12px;color:var(--muted)}
.minor{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px}
.safe{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-top:20px}
.safe div{border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:18px}
.safe b{display:block;color:var(--gold);margin-bottom:4px}
.sources{font-size:14px;color:var(--ink-2)}
.sources li{margin-bottom:6px}

/* PROSE (legales, artículos) */
.prose{padding:8px 20px 64px}
.prose h2{font-size:clamp(22px,2.6vw,28px);margin:38px 0 12px}
.prose h3{font-family:Inter,sans-serif;font-size:18px;font-weight:600;margin:26px 0 8px}
.prose p{margin:0 0 14px;color:var(--ink-2)}
.prose ul,.prose ol{margin:0 0 16px 22px;color:var(--ink-2)}
.prose li{margin-bottom:6px}
.prose strong{color:var(--ink)}
.prose .note{margin:20px 0}
.callout{border-left:3px solid #a33;background:#fbf1f1;padding:14px 18px;border-radius:0 10px 10px 0;margin:18px 0;color:#5a2020;font-size:15px}
.callout strong{color:#6b1d1d}
.byline{display:flex;align-items:center;gap:12px;margin-top:18px;font-size:14px;color:var(--muted)}
.byline img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.byline b{color:var(--ink)}
.law{font-size:12px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-dk);display:block;margin-top:40px}
.law+h2{margin-top:4px}
.authorbox{display:flex;gap:16px;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:20px;margin-top:36px}
.authorbox img{width:64px;height:64px;border-radius:50%;object-fit:cover;flex:none}
.authorbox p{margin:4px 0 0;font-size:15px}
.alist{display:grid;gap:16px}
.acard{display:block;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:22px 24px;text-decoration:none;color:var(--ink)}
.acard:hover{box-shadow:0 8px 22px rgba(6,20,40,.08)}
.acard h3{font-size:22px;margin:6px 0 8px}
.acard p{color:var(--ink-2);font-size:15px;margin:0}
.acard .meta{font-size:13px;color:var(--muted);margin-top:10px}
.soon{border:1px dashed var(--line);border-radius:12px;padding:20px 24px;color:var(--muted);font-size:15px}
.form{display:grid;gap:14px;max-width:560px}
.form label{display:grid;gap:6px;font-size:14px;font-weight:600;color:var(--ink)}
.form input,.form textarea,.form select{font:16px Inter,sans-serif;padding:12px 14px;border:1px solid rgba(10,31,60,.25);border-radius:6px;background:#fff;color:var(--ink)}
.form textarea{min-height:150px;resize:vertical}
.form button{justify-self:start;background:var(--ink);color:#fff;border:0;border-radius:6px;padding:13px 26px;font:600 15px Inter,sans-serif;cursor:pointer}
.dl{display:flex;gap:12px;flex-wrap:wrap;margin:18px 0}
.hp{display:none}