@font-face{font-family:Cuaniex Trial;src:url(/Cuaniex%20Trial.otf) format("opentype"),url(/Cuaniex%20Trial.ttf) format("truetype");font-weight:400 900;font-style:normal;font-display:swap;unicode-range:U+0020,U+0041-005A,U+0061-007A,U+00C0-00D6,U+00D8-00F6,U+00F8-024F}:root{--bg: #070910;--bg-card: #0e1117;--bg-surf: #131820;--accent: #00d4aa;--blue: #0ea5e9;--amber: #f59e0b;--pink: #ec4899;--purple: #a855f7;--t1: #f0f4f8;--t2: #94a3b8;--t3: #475569;--seg-retail: #a855f7;--seg-ib: #38bdf8;--seg-academia: #22c55e;--seg-fondo: #f59e0b;--seg-networker: #ec4899;--seg-inversor: #f97316;--radius: 12px;--radius-lg: 20px;--transition: .25s ease}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;font-size:16px}body{background-color:var(--bg);color:var(--t1);font-family:DM Sans,sans-serif;font-weight:400;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.container{width:100%;max-width:1200px;margin:0 auto;padding:0 24px}.section{padding:96px 0}.section-label{display:inline-block;font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);margin-bottom:16px}.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--radius);font-family:DM Sans,sans-serif;font-size:15px;font-weight:600;cursor:pointer;border:none;transition:all var(--transition);white-space:nowrap}.btn-primary{background:var(--accent);color:#070910}.btn-primary:hover{background:#00e8bb;transform:translateY(-2px);box-shadow:0 8px 24px #00d4aa4d}.btn-outline{background:transparent;color:var(--t1);border:1.5px solid var(--t3)}.btn-outline:hover{border-color:var(--accent);color:var(--accent);transform:translateY(-2px)}.navbar{position:fixed;top:0;left:0;right:0;z-index:100;padding:0}.navbar:before{content:"";display:block;height:2px;background:linear-gradient(90deg,transparent 0%,rgba(0,212,170,.5) 30%,#00D4AA 50%,rgba(0,212,170,.5) 70%,transparent 100%)}.navbar__bar{padding:12px 0;background:#070910e0;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid rgba(0,212,170,.08)}.navbar__inner{display:flex;align-items:center;justify-content:space-between;gap:24px}.navbar__logo{display:flex;align-items:center;flex-shrink:0;text-decoration:none}.navbar__logo img{height:28px;width:auto;display:block}.navbar__links{display:flex;align-items:center;gap:28px;list-style:none}.navbar__links a{font-family:DM Sans,sans-serif;font-size:13px;font-weight:500;color:var(--t3);transition:color .2s;letter-spacing:.03em;white-space:nowrap}.navbar__links a:hover,.navbar__links a.active{color:var(--t1)}.navbar__links a.active{color:var(--accent)}.navbar__cta{flex-shrink:0}.navbar__cta .btn-primary{font-size:13px;padding:9px 20px;border-radius:6px;letter-spacing:.02em}.navbar__hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}.navbar__hamburger span{display:block;width:20px;height:1.5px;background:var(--t2);border-radius:2px;transition:all .25s}.navbar__mobile{display:none;flex-direction:column;background:#070910f7;backdrop-filter:blur(20px);border-top:1px solid rgba(0,212,170,.08)}.navbar__mobile.open{display:flex}.navbar__mobile a{padding:13px 24px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:500;color:var(--t3);border-bottom:1px solid rgba(255,255,255,.04);transition:color .2s}.navbar__mobile a:hover,.navbar__mobile a.active{color:var(--accent)}@media(max-width:860px){.navbar__links,.navbar__cta{display:none}.navbar__hamburger{display:flex}}.footer{background:var(--bg);border-top:1px solid rgba(255,255,255,.05);padding:48px 0 32px}.footer__top{display:flex;align-items:flex-start;justify-content:space-between;gap:32px;margin-bottom:40px;flex-wrap:wrap}.footer__logo{font-family:Cuaniex Trial,DM Sans,sans-serif;font-weight:800;font-size:18px;letter-spacing:.04em;text-transform:uppercase;color:var(--t1)}.footer__links{display:flex;gap:24px;flex-wrap:wrap;list-style:none}.footer__links a{font-size:13px;color:var(--t3);transition:color var(--transition)}.footer__links a:hover{color:var(--t2)}.footer__divider{height:1px;background:#ffffff0d;margin-bottom:24px}.footer__risk{font-size:12px;color:var(--t3);line-height:1.7;max-width:900px;margin-bottom:24px}.footer__copyright{font-size:12px;color:var(--t3)}.blog-hero{padding:160px 0 48px;border-bottom:1px solid rgba(255,255,255,.05)}.blog-hero__title{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:clamp(2rem,5vw,3.25rem);font-weight:800;letter-spacing:-.01em;margin-bottom:16px}.blog-hero__subtitle{font-size:17px;color:var(--t2);max-width:640px}.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:24px}.blog-card{display:flex;flex-direction:column;background:var(--bg-card);border:1px solid rgba(255,255,255,.05);border-top:3px solid var(--accent);border-radius:var(--radius-lg);padding:28px;transition:border-color var(--transition),transform var(--transition)}.blog-card:hover{border-color:#00d4aa4d;border-top-color:var(--accent);transform:translateY(-3px)}.blog-card__date{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}.blog-card__title{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:1.35rem;font-weight:800;line-height:1.3;margin-bottom:12px}.blog-card__description{font-size:14px;color:var(--t2);margin-bottom:20px;flex-grow:1}.blog-card__tags{display:flex;gap:8px;flex-wrap:wrap}.tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--t2);background:var(--bg-surf);border:1px solid rgba(255,255,255,.06);border-radius:999px;padding:5px 12px}.post-hero{padding:160px 0 48px;border-bottom:1px solid rgba(255,255,255,.05)}.post-hero__back{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;color:var(--accent);margin-bottom:24px}.post-hero__title{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:clamp(2rem,5vw,3rem);font-weight:800;letter-spacing:-.01em;line-height:1.2;margin-bottom:16px;max-width:820px}.post-hero__meta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--t2);margin-bottom:20px}.post-hero__tags{display:flex;gap:8px;flex-wrap:wrap}.post-content{max-width:740px;margin:0 auto;padding:56px 24px 96px;font-size:17px;line-height:1.8;color:var(--t1)}.post-content h2{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:1.6rem;font-weight:800;margin:40px 0 16px;color:var(--t1)}.post-content h3{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:1.25rem;font-weight:700;margin:32px 0 14px;color:var(--t1)}.post-content p{margin-bottom:20px;color:var(--t2)}.post-content strong{color:var(--t1)}.post-content ul,.post-content ol{margin:0 0 20px 24px;color:var(--t2)}.post-content li{margin-bottom:8px}.post-content a{color:var(--accent);text-decoration:underline;text-underline-offset:3px}.post-content blockquote{border-left:3px solid var(--accent);padding:4px 0 4px 20px;margin:24px 0;color:var(--t1);font-style:italic}.post-cta{max-width:740px;margin:0 auto 96px;padding:0 24px}.post-cta__box{background:var(--bg-card);border:1px solid rgba(0,212,170,.2);border-radius:var(--radius-lg);padding:32px;text-align:center}.post-cta__box h3{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:1.25rem;font-weight:800;margin-bottom:12px}.post-cta__box p{color:var(--t2);margin-bottom:24px}.ib-calc{max-width:740px;margin:0 auto 56px;padding:0 24px}.ib-calc__header{display:flex;gap:20px;align-items:flex-start;border-left:3px solid var(--accent);padding-left:20px;margin-bottom:24px}.ib-calc__title{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:1.5rem;font-weight:800;color:var(--t1);margin-bottom:8px}.ib-calc__subtitle{font-size:14px;color:var(--t2)}.ib-calc__body{display:grid;grid-template-columns:1.3fr 1fr;gap:24px;background:var(--bg-card);border:1px solid rgba(255,255,255,.06);border-radius:var(--radius-lg);padding:32px}.ib-calc__field{margin-bottom:28px}.ib-calc__field:last-of-type{margin-bottom:0}.ib-calc__field label{display:block;font-size:14px;color:var(--t2);margin-bottom:12px}.ib-calc__field label strong{color:var(--accent)}.ib-calc__field input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:999px;background:var(--bg-surf);outline:none}.ib-calc__field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--accent);border:3px solid var(--bg-card);box-shadow:0 0 0 1px var(--accent);cursor:pointer}.ib-calc__field input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--accent);border:3px solid var(--bg-card);box-shadow:0 0 0 1px var(--accent);cursor:pointer}.ib-calc__note{font-size:12px;color:var(--t3);line-height:1.6}.ib-calc__result{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;background:var(--bg-surf);border-radius:var(--radius);padding:28px 20px;gap:16px}.ib-calc__result-label{font-size:13px;color:var(--t2)}.ib-calc__result-value{font-family:Cuaniex Trial,DM Sans,sans-serif;font-size:2.5rem;font-weight:800;color:var(--accent)}@media(max-width:700px){.ib-calc__body{grid-template-columns:1fr}}