/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1a2e4a;
  --navy-dark: #0f1e30;
  --navy-light: #243d5e;
  --gold: #f0a500;
  --gold-dark: #d4920a;
  --gold-light: #ffc333;
  --white: #ffffff;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --green: #16a34a;
  --green-light: #dcfce7;
  --red: #dc2626;
  --red-light: #fee2e2;
  --blue: #2563eb;
  --blue-light: #dbeafe;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 2px 8px rgba(0,0,0,0.10);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.14);
  --font: 'Segoe UI', system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--gray-800); background: var(--gray-50); line-height: 1.6; }

a { color: var(--navy); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--gold); }

img { max-width: 100%; display: block; }

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5 { line-height: 1.3; color: var(--navy); font-weight: 700; }
h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }
p { color: var(--gray-600); margin-bottom: 0.75rem; }

/* ===== NAVBAR ===== */
.navbar {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.navbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}
.navbar-logo {
  background: var(--gold);
  border-radius: 50%;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.navbar-brand-text { display: flex; flex-direction: column; }
.navbar-brand-text span:first-child { color: white; font-weight: 700; font-size: 1rem; line-height: 1; }
.navbar-brand-text span:last-child { color: var(--gray-400); font-size: 0.7rem; line-height: 1; }

.navbar-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
}
.navbar-links a {
  color: #cbd5e1;
  padding: 0.4rem 0.75rem;
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-weight: 500;
  transition: all 0.2s;
  text-decoration: none;
}
.navbar-links a:hover,
.navbar-links a.active {
  background: var(--gold);
  color: var(--navy);
}
.navbar-info {
  color: var(--gray-400);
  font-size: 0.8rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.hamburger { display: none; background: none; border: none; cursor: pointer; color: white; padding: 4px; }

/* ===== AVISO LEGAL TOP ===== */
.aviso-top {
  background: #92400e;
  border-bottom: 2px solid #b45309;
  padding: 0.5rem 1.5rem;
  text-align: center;
}
.aviso-top p {
  color: #fef3c7;
  font-size: 0.8rem;
  margin: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  color: white;
  padding: 5rem 1.5rem 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(240,165,0,0.12) 0%, transparent 60%),
              radial-gradient(ellipse at 70% 50%, rgba(240,165,0,0.08) 0%, transparent 60%);
}
.hero-content { position: relative; max-width: 900px; margin: 0 auto; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(240,165,0,0.2);
  border: 1px solid rgba(240,165,0,0.4);
  border-radius: 100px;
  padding: 0.3rem 1rem;
  font-size: 0.8rem;
  color: var(--gold-light);
  margin-bottom: 1.2rem;
  font-weight: 500;
}
.hero h1 { color: white; margin-bottom: 1rem; }
.hero h1 span { color: var(--gold); }
.hero p { color: #94a3b8; font-size: 1.1rem; max-width: 650px; margin: 0 auto 2rem; }
.hero-ctas {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.hero-stats {
  display: flex;
  justify-content: center;
  gap: 3rem;
  margin-top: 3.5rem;
  flex-wrap: wrap;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-stat { text-align: center; }
.hero-stat strong { display: block; font-size: 2rem; color: var(--gold); font-weight: 800; }
.hero-stat span { color: #94a3b8; font-size: 0.85rem; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.7rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.9rem;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: all 0.2s;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold-dark);
  color: var(--navy);
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(240,165,0,0.4);
}
.btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.4);
  color: white;
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: white;
  color: white;
}
.btn-navy {
  background: var(--navy);
  color: white;
}
.btn-navy:hover {
  background: var(--navy-dark);
  color: white;
  transform: translateY(-1px);
}
.btn-sm { padding: 0.45rem 1rem; font-size: 0.8rem; }
.btn-lg { padding: 0.9rem 2rem; font-size: 1rem; }

/* ===== CONTAINERS & SECTIONS ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.section { padding: 4.5rem 1.5rem; }
.section-sm { padding: 3rem 1.5rem; }
.section-alt { background: white; }

.section-header { text-align: center; margin-bottom: 2.5rem; }
.section-header .subtitle {
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 0.5rem;
}
.section-header p { max-width: 600px; margin: 0.75rem auto 0; font-size: 1rem; }

/* ===== GRID ===== */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ===== CARDS ===== */
.card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow);
  padding: 1.75rem;
  transition: all 0.2s;
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1rem;
  background: var(--blue-light);
}
.card-icon.gold { background: rgba(240,165,0,0.15); }
.card-icon.green { background: var(--green-light); }
.card-icon.navy { background: rgba(26,46,74,0.1); }

/* ===== INSTITUTION CARDS ===== */
.inst-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: all 0.2s;
}
.inst-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.inst-card-header {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.inst-logo {
  width: 48px;
  height: 48px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.85rem;
  color: white;
  flex-shrink: 0;
}
.inst-name { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.inst-type { font-size: 0.75rem; color: var(--gray-500); }
.inst-card-body { padding: 1.25rem 1.5rem; }
.inst-rate {
  display: flex;
  align-items: baseline;
  gap: 0.3rem;
  margin-bottom: 0.75rem;
}
.inst-rate .number { font-size: 1.8rem; font-weight: 800; color: var(--navy); }
.inst-rate .label { color: var(--gray-500); font-size: 0.8rem; }
.inst-details { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; margin-bottom: 1rem; }
.inst-detail { background: var(--gray-50); border-radius: 6px; padding: 0.5rem 0.75rem; }
.inst-detail .d-label { font-size: 0.7rem; color: var(--gray-500); }
.inst-detail .d-value { font-size: 0.85rem; font-weight: 600; color: var(--gray-800); }
.inst-card-footer { padding: 1rem 1.5rem; border-top: 1px solid var(--gray-100); }
.badge { display: inline-block; padding: 0.2rem 0.6rem; border-radius: 100px; font-size: 0.72rem; font-weight: 600; }
.badge-green { background: var(--green-light); color: var(--green); }
.badge-blue { background: var(--blue-light); color: var(--blue); }
.badge-gold { background: rgba(240,165,0,0.15); color: #92400e; }
.badge-red { background: var(--red-light); color: var(--red); }
.tag-list { display: flex; flex-wrap: wrap; gap: 0.4rem; }

/* ===== TABLE ===== */
.table-wrap { overflow-x: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; background: white; }
thead { background: var(--navy); color: white; }
thead th { padding: 1rem 1.25rem; text-align: left; font-size: 0.875rem; font-weight: 600; white-space: nowrap; }
tbody tr { border-bottom: 1px solid var(--gray-100); }
tbody tr:hover { background: var(--gray-50); }
tbody td { padding: 1rem 1.25rem; font-size: 0.875rem; vertical-align: middle; }
.td-bold { font-weight: 700; color: var(--navy); }
.td-green { color: var(--green); font-weight: 700; }
.td-red { color: var(--red); }
.highlight-row { background: rgba(240,165,0,0.07) !important; }

/* ===== CALCULATOR ===== */
.calc-container {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.calc-form { padding: 2.5rem; background: var(--navy); color: white; }
.calc-result { padding: 2.5rem; background: white; }
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 0.4rem; color: #cbd5e1; }
.form-group input, .form-group select {
  width: 100%;
  padding: 0.65rem 1rem;
  border-radius: var(--radius);
  border: 1.5px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.1);
  color: white;
  font-size: 0.9rem;
  font-family: var(--font);
  transition: border-color 0.2s;
}
.form-group input::placeholder { color: rgba(255,255,255,0.4); }
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--gold);
}
.form-group select option { background: var(--navy); color: white; }
.result-title { font-size: 0.9rem; color: var(--gray-500); margin-bottom: 0.25rem; }
.result-amount { font-size: 2.2rem; font-weight: 800; color: var(--navy); margin-bottom: 1.5rem; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.5rem; }
.result-item { background: var(--gray-50); border-radius: var(--radius); padding: 0.85rem; }
.result-item .r-label { font-size: 0.75rem; color: var(--gray-500); }
.result-item .r-value { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.result-disclaimer { font-size: 0.75rem; color: var(--gray-400); line-height: 1.5; }

/* ===== STEPS / GUIDE ===== */
.step-card {
  display: flex;
  gap: 1.5rem;
  background: white;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow);
  margin-bottom: 1.25rem;
  align-items: flex-start;
}
.step-number {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 1.2rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.step-content h3 { margin-bottom: 0.5rem; font-size: 1.15rem; }
.step-tip {
  margin-top: 0.75rem;
  background: var(--blue-light);
  border-left: 3px solid var(--blue);
  padding: 0.6rem 1rem;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 0.85rem;
  color: var(--blue);
}

/* ===== FAQ ===== */
.faq-item {
  background: white;
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  padding: 1.1rem 1.5rem;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
  font-family: var(--font);
  transition: background 0.2s;
}
.faq-question:hover { background: var(--gray-50); }
.faq-answer {
  padding: 0 1.5rem 1.1rem;
  color: var(--gray-600);
  font-size: 0.9rem;
  line-height: 1.7;
  display: none;
}
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-icon { transition: transform 0.2s; font-size: 1.2rem; color: var(--gold); }

/* ===== ALERT BOXES ===== */
.alert {
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  margin-bottom: 1rem;
}
.alert-warning { background: #fef3c7; border: 1px solid #fcd34d; color: #92400e; }
.alert-info { background: var(--blue-light); border: 1px solid #93c5fd; color: #1e40af; }
.alert-success { background: var(--green-light); border: 1px solid #86efac; color: #166534; }
.alert-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.alert-text { font-size: 0.88rem; line-height: 1.6; }
.alert-text strong { display: block; margin-bottom: 0.15rem; }

/* ===== INFO BOXES ===== */
.info-box {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  margin-bottom: 1.5rem;
}
.info-box h4 { color: var(--navy); margin-bottom: 0.75rem; }
.info-list { list-style: none; }
.info-list li {
  padding: 0.4rem 0;
  border-bottom: 1px solid var(--gray-200);
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.9rem;
  color: var(--gray-700);
}
.info-list li:last-child { border-bottom: none; }
.info-list li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

/* ===== COMPARISON TABLE ===== */
.compare-wrap { overflow-x: auto; }
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.compare-table th { background: var(--navy); color: white; padding: 1rem 1.5rem; text-align: center; font-size: 0.875rem; }
.compare-table th:first-child { text-align: left; }
.compare-table td { padding: 0.9rem 1.5rem; border-bottom: 1px solid var(--gray-100); background: white; text-align: center; font-size: 0.88rem; }
.compare-table td:first-child { text-align: left; font-weight: 600; color: var(--gray-700); background: var(--gray-50); }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: rgba(26,46,74,0.03); }
.compare-table tr:hover td:first-child { background: var(--gray-100); }
.check { color: var(--green); font-size: 1.1rem; }
.cross { color: var(--red); font-size: 1.1rem; }

/* ===== BREADCRUMB ===== */
.breadcrumb { padding: 1rem 1.5rem; background: white; border-bottom: 1px solid var(--gray-200); }
.breadcrumb-inner { max-width: 1200px; margin: 0 auto; display: flex; align-items: center; gap: 0.5rem; font-size: 0.85rem; }
.breadcrumb a { color: var(--gray-500); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb span { color: var(--gray-400); }
.breadcrumb strong { color: var(--navy); }

/* ===== PAGE HEADER ===== */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 3.5rem 1.5rem 3rem;
  text-align: center;
  color: white;
}
.page-header h1 { color: white; margin-bottom: 0.75rem; }
.page-header p { color: #94a3b8; max-width: 600px; margin: 0 auto; font-size: 1rem; }

/* ===== FOOTER ===== */
footer { background: var(--navy-dark); color: var(--gray-300); }
.footer-disclaimer {
  background: rgba(180,83,9,0.3);
  border-top: 2px solid rgba(180,83,9,0.6);
  padding: 0.75rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
}
.footer-disclaimer p { color: #fde68a; font-size: 0.8rem; margin: 0; }
.footer-main { max-width: 1200px; margin: 0 auto; padding: 3rem 1.5rem; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem; }
.footer-brand .logo { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 1rem; }
.footer-brand .logo-icon { background: var(--gold); border-radius: 50%; width: 36px; height: 36px; display: flex; align-items: center; justify-content: center; font-size: 1rem; }
.footer-brand .logo-text { color: white; font-weight: 700; font-size: 1rem; }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; color: var(--gray-400); }
.footer-col h4 { color: white; font-size: 0.9rem; margin-bottom: 1rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul li a { color: var(--gray-400); font-size: 0.875rem; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom { max-width: 1200px; margin: 0 auto; padding: 1.25rem 1.5rem; border-top: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; }
.footer-bottom p { font-size: 0.78rem; color: var(--gray-500); margin: 0; }

/* ===== COMPARE PAGE FILTERS ===== */
.filter-bar { display: flex; gap: 1rem; margin-bottom: 2rem; flex-wrap: wrap; align-items: center; }
.filter-bar select {
  padding: 0.5rem 1rem;
  border-radius: var(--radius);
  border: 1.5px solid var(--gray-300);
  background: white;
  font-size: 0.875rem;
  color: var(--gray-700);
  cursor: pointer;
}
.filter-bar select:focus { outline: none; border-color: var(--navy); }

/* ===== PROS CONS ===== */
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 0.75rem; }
.pros-block { background: var(--green-light); border-radius: var(--radius); padding: 1rem; }
.cons-block { background: var(--red-light); border-radius: var(--radius); padding: 1rem; }
.pros-block h5 { color: var(--green); margin-bottom: 0.5rem; font-size: 0.85rem; }
.cons-block h5 { color: var(--red); margin-bottom: 0.5rem; font-size: 0.85rem; }
.pros-cons ul { list-style: none; font-size: 0.83rem; }
.pros-cons ul li { padding: 0.2rem 0; display: flex; gap: 0.4rem; align-items: flex-start; }
.pros-cons ul li::before { flex-shrink: 0; margin-top: 1px; }
.pros-block ul li::before { content: '+'; color: var(--green); font-weight: 700; }
.cons-block ul li::before { content: '−'; color: var(--red); font-weight: 700; }

/* ===== HIGHLIGHT CARD ===== */
.highlight-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: white;
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin-bottom: 2rem;
}
.highlight-card h3 { color: white; margin-bottom: 0.5rem; }
.highlight-card p { color: #94a3b8; margin-bottom: 1rem; }

/* ===== TABS ===== */
.tabs { display: flex; gap: 0; border-bottom: 2px solid var(--gray-200); margin-bottom: 2rem; overflow-x: auto; }
.tab-btn {
  padding: 0.75rem 1.25rem;
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-500);
  white-space: nowrap;
  font-family: var(--font);
  transition: all 0.2s;
  margin-bottom: -2px;
}
.tab-btn:hover { color: var(--navy); }
.tab-btn.active { color: var(--navy); border-bottom-color: var(--gold); }
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ===== STAT BOXES ===== */
.stat-box {
  background: white;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow);
  text-align: center;
}
.stat-box .stat-value { font-size: 2rem; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-box .stat-label { font-size: 0.8rem; color: var(--gray-500); margin-top: 0.35rem; }
.stat-box .stat-sub { font-size: 0.75rem; color: var(--green); font-weight: 600; margin-top: 0.25rem; }

/* ===== IMAGES ===== */
.img-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.img-card img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  display: block;
  transition: transform 0.4s;
}
.img-card:hover img { transform: scale(1.04); }

.img-banner {
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.img-banner img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  display: block;
}
.img-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(26,46,74,0.85) 40%, transparent 100%);
  display: flex;
  align-items: center;
  padding: 2.5rem;
}
.img-banner-overlay h3 { color: white; margin-bottom: 0.5rem; }
.img-banner-overlay p { color: #94a3b8; margin: 0; font-size: 0.95rem; max-width: 360px; }

.hero-img-wrap {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}
.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.18;
}

.section-img-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}
.section-img-split img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  object-fit: cover;
  height: 340px;
}

.page-header-img {
  position: relative;
  overflow: hidden;
}
.page-header-img::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,46,74,0.92) 0%, rgba(26,46,74,0.75) 100%);
  z-index: 1;
}
.page-header-img img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
.page-header-img .page-header-content {
  position: relative;
  z-index: 2;
  padding: 3.5rem 1.5rem 3rem;
  text-align: center;
}
.page-header-img .page-header-content h1 { color: white; margin-bottom: 0.75rem; }
.page-header-img .page-header-content p { color: #94a3b8; max-width: 600px; margin: 0 auto; font-size: 1rem; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .navbar-links { display: none; }
  .navbar-info { display: none; }
  .hamburger { display: block; }
  .nav-mobile { display: flex; flex-direction: column; background: var(--navy-dark); padding: 1rem; }
  .nav-mobile a { color: #cbd5e1; padding: 0.7rem 1rem; border-radius: var(--radius); font-size: 0.9rem; text-decoration: none; display: block; }
  .nav-mobile a:hover, .nav-mobile a.active { background: var(--gold); color: var(--navy); }
  .calc-container { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .pros-cons { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .hero { padding: 3rem 1rem 2.5rem; }
  .hero-stats { gap: 1.5rem; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .inst-details { grid-template-columns: 1fr; }
  .section { padding: 3rem 1rem; }
}