*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--c-text);background:var(--c-bg);line-height:1.65;font-size:17px}img,svg,video{max-width:100%;height:auto;display:block}a{color:var(--c-link);text-decoration:underline;text-underline-offset:3px}a:hover{color:var(--c-link-hover)}button{font:inherit;cursor:pointer}:root{--c-bg: #ffffff;--c-bg-alt: #f7f9fc;--c-text: #1a2332;--c-text-muted: #5a6b80;--c-link: #0b5fff;--c-link-hover: #084acc;--c-border: #e3e8ef;--c-primary: #0b5fff;--c-primary-dark: #084acc;--c-success: #10b981;--c-warning: #f59e0b;--c-danger: #ef4444;--c-cat-fundamentos: #0ea5e9;--c-cat-precio: #10b981;--c-cat-perfiles: #f59e0b;--c-cat-gestion: #ef4444;--radius: 10px;--shadow-sm: 0 1px 2px rgba(15, 30, 50, .06);--shadow-md: 0 6px 18px rgba(15, 30, 50, .08);--container: 1180px;--container-narrow: 760px}h1,h2,h3,h4{line-height:1.25;color:#0d1a2b;font-weight:700;letter-spacing:-.01em;margin:1.6em 0 .6em}h1{font-size:clamp(1.75rem,1.2rem + 2vw,2.5rem);margin-top:0}h2{font-size:clamp(1.4rem,1.1rem + 1vw,1.8rem)}h3{font-size:1.25rem}p{margin:0 0 1em}ul,ol{padding-left:1.4em;margin:0 0 1em}li+li{margin-top:.25em}hr{border:0;border-top:1px solid var(--c-border);margin:2.5em 0}.container{max-width:var(--container);margin:0 auto;padding:0 20px}.container-narrow{max-width:var(--container-narrow);margin:0 auto;padding:0 20px}.skip-link{position:absolute;left:-9999px;top:0;background:#000;color:#fff;padding:.5rem 1rem;z-index:1000}.skip-link:focus{left:1rem;top:1rem}.site-header{border-bottom:1px solid var(--c-border);background:#fff;position:sticky;top:0;z-index:50;backdrop-filter:saturate(180%) blur(6px)}.site-header__inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 0}.site-logo{font-weight:800;font-size:1.1rem;color:#0d1a2b;text-decoration:none}.site-logo span{color:var(--c-primary)}.site-nav{display:flex;gap:1.4rem}.site-nav a{color:#2b3a52;text-decoration:none;font-weight:500}.site-nav a:hover{color:var(--c-primary)}.site-cta{background:var(--c-primary);color:#fff!important;padding:.55rem 1rem;border-radius:var(--radius);text-decoration:none!important;font-weight:600;font-size:.95rem;white-space:nowrap}.site-cta:hover{background:var(--c-primary-dark)}.menu-toggle{display:none;background:none;border:0;padding:.4rem}@media (max-width: 880px){.site-nav{display:none;flex-direction:column;gap:.2rem;position:absolute;left:0;right:0;top:100%;background:#fff;padding:.8rem 20px;border-bottom:1px solid var(--c-border)}.site-nav.open{display:flex}.site-nav a{padding:.6rem 0;border-bottom:1px solid var(--c-border)}.menu-toggle{display:inline-flex}}.site-footer{background:#0d1a2b;color:#cdd6e4;margin-top:4rem;padding:3rem 0 1.5rem;font-size:.95rem}.site-footer h4{color:#fff;font-size:1rem;margin:0 0 .8rem}.site-footer a{color:#cdd6e4;text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem}.footer-grid ul{list-style:none;padding:0;margin:0}.footer-grid li{margin:.35rem 0}.footer-bottom{border-top:1px solid #1f2c44;margin-top:2rem;padding-top:1.5rem;font-size:.82rem;color:#9aa7bd;text-align:center}@media (max-width: 880px){.footer-grid{grid-template-columns:1fr 1fr}}@media (max-width: 520px){.footer-grid{grid-template-columns:1fr}}.article-shell{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:2.5rem;align-items:start;padding:2rem 0}.article-shell aside{position:sticky;top:80px}@media (max-width: 1024px){.article-shell{grid-template-columns:1fr}.article-shell aside{position:static}}.article-body,.article-body p{font-size:1.05rem}.article-body h2{margin-top:2.4em;padding-top:.2em;border-top:1px solid var(--c-border)}.article-body img{border-radius:var(--radius);margin:1.5em 0}.article-body table{width:100%;border-collapse:collapse;margin:1.5em 0}.article-body th,.article-body td{border:1px solid var(--c-border);padding:.6rem .8rem;text-align:left}.article-body th{background:var(--c-bg-alt);font-weight:600}.article-body blockquote{border-left:4px solid var(--c-primary);margin:1.5em 0;padding:.2em 1.2em;color:var(--c-text-muted);background:var(--c-bg-alt);border-radius:0 var(--radius) var(--radius) 0}.article-body code{background:var(--c-bg-alt);padding:.15em .35em;border-radius:4px;font-size:.92em}.article-body pre{background:#0d1a2b;color:#e6edf3;padding:1em 1.2em;border-radius:var(--radius);overflow-x:auto}.article-body pre code{background:transparent;color:inherit;padding:0}.article-meta{display:flex;flex-wrap:wrap;gap:1rem;color:var(--c-text-muted);font-size:.9rem;margin-bottom:1.5rem}.article-meta .badge{display:inline-block;padding:.2rem .55rem;background:var(--c-bg-alt);border-radius:999px;font-size:.8rem;color:var(--c-text);font-weight:500}.toc{background:var(--c-bg-alt);border:1px solid var(--c-border);border-radius:var(--radius);padding:1rem 1.2rem;margin:1.5rem 0 2rem}.toc strong{display:block;margin-bottom:.5rem;font-size:.95rem}.toc ol{margin:0;padding-left:1.2rem}.toc a{color:var(--c-text);text-decoration:none}.toc a:hover{color:var(--c-primary);text-decoration:underline}.author-box{display:flex;gap:1rem;align-items:flex-start;background:var(--c-bg-alt);border:1px solid var(--c-border);border-radius:var(--radius);padding:1.1rem 1.2rem;margin:2rem 0}.author-box img{width:64px;height:64px;border-radius:50%;object-fit:cover}.author-box .name{font-weight:700}.author-box .role{color:var(--c-text-muted);font-size:.9rem}.author-box .review{font-size:.85rem;color:var(--c-text-muted);margin-top:.4rem}.breadcrumbs{font-size:.9rem;color:var(--c-text-muted);margin:1.2rem 0}.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.35rem}.breadcrumbs li+li:before{content:"›";margin-right:.35rem;color:#b3becf}.breadcrumbs a{color:var(--c-text-muted);text-decoration:none}.breadcrumbs a:hover{color:var(--c-primary);text-decoration:underline}.cta-box{background:linear-gradient(135deg,#f0f7ff,#e6efff);border:1px solid #c8dcff;border-radius:var(--radius);padding:1.5rem;margin:2rem 0;text-align:center}.cta-box.dark{background:linear-gradient(135deg,#0d1a2b,#142745);color:#fff;border:0}.cta-box.dark p{color:#cdd6e4}.cta-box h3{margin-top:0}.cta-button{display:inline-block;background:var(--c-primary);color:#fff!important;padding:.85rem 1.6rem;border-radius:var(--radius);font-weight:600;text-decoration:none;margin-top:.5rem}.cta-button:hover{background:var(--c-primary-dark)}.cta-disclosure{display:block;margin-top:1rem;font-size:.8rem;color:var(--c-text-muted)}.cta-box.dark .cta-disclosure{color:#9aa7bd}.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.2rem;margin:1.5rem 0}.card{background:#fff;border:1px solid var(--c-border);border-radius:var(--radius);padding:1.2rem;transition:transform .15s ease,box-shadow .15s ease;display:flex;flex-direction:column;gap:.5rem}.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}.card .cat{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}.card h3{margin:0;font-size:1.1rem}.card h3 a{color:#0d1a2b;text-decoration:none}.card h3 a:hover{color:var(--c-primary)}.card p{color:var(--c-text-muted);font-size:.94rem;margin:0}.card .read-more{margin-top:auto;font-weight:600;color:var(--c-primary);font-size:.9rem}.ad-slot{display:block;margin:2rem auto;text-align:center;background:var(--c-bg-alt);border:1px dashed var(--c-border);border-radius:var(--radius);overflow:hidden;min-height:var(--ad-min-h, 280px)}.ad-slot__label{font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:#9aa7bd;padding:.35rem 0;display:block}.ad-slot ins.adsbygoogle{display:block;min-height:inherit}.faq-list{margin:2rem 0}.faq-item{border:1px solid var(--c-border);border-radius:var(--radius);margin-bottom:.6rem;background:#fff}.faq-item summary{padding:1rem 1.2rem;font-weight:600;cursor:pointer;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";float:right;color:var(--c-primary);font-size:1.3rem;line-height:1}.faq-item[open] summary:after{content:"−"}.faq-item[open] summary{border-bottom:1px solid var(--c-border)}.faq-item .faq-body{padding:1rem 1.2rem;color:var(--c-text-muted)}.hero{padding:3rem 0 2rem;text-align:center;background:linear-gradient(180deg,#f0f7ff,#fff);margin-bottom:2rem}.hero h1{max-width:760px;margin:0 auto .8rem}.hero p{max-width:620px;margin:0 auto 1.5rem;color:var(--c-text-muted);font-size:1.1rem}.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin:2rem 0}@media (max-width: 880px){.pillars{grid-template-columns:repeat(2,1fr)}}@media (max-width: 460px){.pillars{grid-template-columns:1fr}}.pillar{display:block;padding:1.4rem;border-radius:var(--radius);background:#fff;border:1px solid var(--c-border);text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s}.pillar:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}.pillar .icon{width:36px;height:36px;border-radius:8px;display:inline-flex;align-items:center;justify-content:center;font-weight:800;color:#fff;margin-bottom:.8rem}.pillar h3{margin:0 0 .35rem;font-size:1.05rem;color:#0d1a2b}.pillar p{margin:0;color:var(--c-text-muted);font-size:.92rem}.financial-disclosure{background:#fff8e6;border-left:4px solid var(--c-warning);padding:.8rem 1rem;border-radius:6px;font-size:.88rem;color:#6b4f00;margin:1.5rem 0}.text-muted{color:var(--c-text-muted)}.mt-0{margin-top:0}.center{text-align:center}@media print{.site-header,.site-footer,.ad-slot,.cta-box,aside,.menu-toggle{display:none!important}body{font-size:12pt}}