/* ============================================================
css/finanready.css
Estilos propios de FinanReady360, aislados de ValorReady360.
Se carga DESPUÉS de css/styles.css y reutiliza sus variables de
marca (--navy, --gold, --cream, etc.) y sus clases genéricas
(.container, .btn-gold, .btn-outline, .hero, .csx-section,
.csx-hd/eyebrow/title/sub, .process, .tbar, .cta-s, .page-back,
.legal-page, footer). Las clases con prefijo "fr-" son exclusivas
de FinanReady360 y no deben usarse en páginas de ValorReady360.
============================================================ */

/* Aviso de vista previa interna (Fase 1 — prototipo, sin cobros) */
.fr-preview-banner {
background: var(--navy3);
color: var(--gold2);
font-family: 'IBM Plex Mono', monospace;
font-size: 11px;
letter-spacing: .04em;
text-align: center;
padding: 7px 1rem;
border-bottom: 1px solid rgba(201,145,42,0.25);
}

/* Franja de fondo alterna entre secciones .csx-section consecutivas */
.fr-alt { background: var(--white); }

/* Insignia "metodología beta / provisional" */
.fr-beta-tag {
display: inline-block;
margin-left: 6px;
font-family: 'IBM Plex Mono', monospace;
font-size: 10px;
letter-spacing: .04em;
color: var(--gold);
background: rgba(201,145,42,0.1);
border: 1px solid rgba(201,145,42,0.3);
border-radius: 3px;
padding: 2px 7px;
white-space: nowrap;
}

/* Bloque de la promesa diferencial */
.fr-diff-box {
max-width: 720px;
margin: 1.1rem auto 0;
background: var(--navy);
border-left: 3px solid var(--gold);
border-radius: 4px;
padding: 1.1rem 1.35rem;
}
.fr-diff-quote {
font-family: 'Playfair Display', serif;
font-style: italic;
font-size: 16px;
line-height: 1.5;
color: #fff;
}

/* Dimensiones (igual a .vr-dim-grid, con prefijo propio) */
.fr-dim-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.fr-dim-card { background: #fff; border: 1px solid rgba(12,45,94,0.09); border-radius: 5px; padding: 1.1rem; display: flex; flex-direction: column; gap: 6px; transition: transform .2s, border-color .2s; }
.fr-dim-card:hover { transform: translateY(-3px); border-color: rgba(201,145,42,0.4); }
.fr-dim-n { font-family: 'IBM Plex Mono', monospace; font-size: 11px; letter-spacing: .08em; color: var(--gold); }
.fr-dim-t { font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 600; color: var(--navy); line-height: 1.3; }
.fr-dim-d { font-size: 13px; color: var(--muted); line-height: 1.55; }

/* Escala de 5 niveles (Crítica → Sobresaliente) */
.fr-band-scale { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; max-width: 900px; margin: 0 auto; }
.fr-band { border-radius: 5px; padding: 1rem .75rem; text-align: center; display: flex; flex-direction: column; gap: 4px; border: 1px solid transparent; }
.fr-band-range { font-family: 'IBM Plex Mono', monospace; font-size: 11px; opacity: .85; }
.fr-band-label { font-family: 'Playfair Display', serif; font-weight: 600; font-size: 13.5px; line-height: 1.3; }
.fr-band--critical { background: rgba(178,45,35,0.09); border-color: rgba(178,45,35,0.25); color: #8a281e; }
.fr-band--vulnerable { background: rgba(201,120,30,0.1); border-color: rgba(201,120,30,0.28); color: #8a5414; }
.fr-band--developing { background: rgba(201,166,30,0.12); border-color: rgba(201,166,30,0.3); color: #7a6710; }
.fr-band--solid { background: rgba(12,45,94,0.08); border-color: rgba(12,45,94,0.22); color: var(--navy); }
.fr-band--outstanding { background: rgba(15,110,86,0.1); border-color: rgba(15,110,86,0.28); color: var(--green); }
.fr-band-note { max-width: 700px; margin: 1.25rem auto 0; text-align: center; font-size: 12px; color: var(--muted); line-height: 1.6; }

/* Pasos del proceso (igual a .vr-steps, con prefijo propio) */
.fr-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.1rem; }
.fr-step { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.12); border-radius: 5px; padding: 1.2rem; display: flex; flex-direction: column; gap: 8px; }
.fr-step-n { font-family: 'IBM Plex Mono', monospace; font-size: 11px; letter-spacing: .1em; color: var(--gold); }
.fr-step-t { font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 600; color: #fff; }
.fr-step-d { font-size: 12.5px; color: rgba(255,255,255,0.68); line-height: 1.6; }

/* Chips de simuladores */
.fr-sim-grid { display: flex; flex-wrap: wrap; gap: .6rem; justify-content: center; max-width: 820px; margin: 0 auto; }
.fr-sim-chip { font-family: 'IBM Plex Mono', monospace; font-size: 12px; color: var(--navy); background: #fff; border: 1px solid rgba(12,45,94,0.15); border-radius: 999px; padding: 8px 16px; }

/* Precios: grid de 3 planes (igual estética a .vr-price-*, prefijo propio) */
.fr-price-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .75rem; max-width: 1100px; margin: 0 auto; }
.fr-price-card { position: relative; background: #fff; border: 1px solid rgba(12,45,94,0.12); border-radius: 6px; padding: 1.1rem 1rem; display: flex; flex-direction: column; gap: .6rem; }
.fr-price-card--featured { border-color: var(--gold); box-shadow: 0 8px 24px rgba(201,145,42,0.15); }
.fr-price-badge { position: absolute; top: -12px; right: 1rem; background: var(--gold); color: var(--navy); font-family: 'IBM Plex Mono', monospace; font-size: 10px; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }
.fr-price-name { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); }
.fr-price-amount { font-family: 'Playfair Display', serif; font-size: clamp(1.3rem, 2.4vw, 1.7rem); font-weight: 700; color: var(--navy); }
.fr-price-amount span { font-family: 'DM Sans', sans-serif; font-size: 12px; font-weight: 400; color: var(--muted); }
.fr-price-period { font-size: 11px; color: var(--muted); margin-top: -6px; }
.fr-price-features { display: flex; flex-direction: column; gap: 6px; list-style: none; padding: 0; margin: 0; flex: 1; }
.fr-price-features li { font-size: 12.5px; color: var(--charcoal); line-height: 1.5; padding-left: 20px; position: relative; }
.fr-price-features li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--gold); font-weight: 600; }
.fr-price-btn { width: 100%; justify-content: center; text-align: center; }
.fr-price-note { max-width: 720px; margin: 1rem auto 0; text-align: center; font-size: 12px; color: var(--muted); }

/* Ruta ValorActiva (funnel de 5 pasos) */
.fr-route { display: flex; align-items: stretch; justify-content: center; gap: .4rem; flex-wrap: wrap; max-width: 1100px; margin: 0 auto; }
.fr-route-step { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 5px; padding: .8rem; min-width: 150px; flex: 1 1 150px; text-align: center; }
.fr-route-step:nth-child(5) { border-color: var(--gold); box-shadow: 0 6px 18px rgba(201,145,42,0.12); }
.fr-route-n { font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--gold); margin-bottom: 4px; }
.fr-route-t { font-family: 'Playfair Display', serif; font-weight: 600; font-size: 14.5px; color: var(--navy); margin-bottom: 3px; }
.fr-route-d { font-size: 11.5px; color: var(--muted); line-height: 1.4; }
.fr-route-arrow { display: flex; align-items: center; justify-content: center; color: var(--gold); font-size: 18px; flex: 0 0 auto; }

/* FAQ (igual a .vr-faq-*, prefijo propio) */
.fr-faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: .45rem; }
.fr-faq-item { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 5px; padding: .7rem .9rem; }
.fr-faq-item summary { cursor: pointer; font-family: 'Playfair Display', serif; font-size: 15px; font-weight: 600; color: var(--navy); list-style: none; }
.fr-faq-item summary::-webkit-details-marker { display: none; }
.fr-faq-item summary::before { content: "+"; display: inline-block; width: 16px; color: var(--gold); font-weight: 700; }
.fr-faq-item[open] summary::before { content: "–"; }
.fr-faq-item p { margin-top: .6rem; padding-left: 16px; font-size: 13.5px; color: var(--muted); line-height: 1.6; }

/* Responsive */
@media (max-width: 900px) {
.fr-dim-grid { grid-template-columns: 1fr 1fr; }
.fr-steps { grid-template-columns: 1fr 1fr; }
.fr-price-grid { grid-template-columns: 1fr 1fr; }
.fr-band-scale { grid-template-columns: repeat(2, 1fr); }
.fr-route-arrow { transform: rotate(90deg); }
.fr-route { flex-direction: column; align-items: stretch; }
.fr-route-step { min-width: 0; }
}

@media (max-width: 560px) {
.fr-dim-grid { grid-template-columns: 1fr; }
.fr-steps { grid-template-columns: 1fr; }
.fr-price-grid { grid-template-columns: 1fr; }
.fr-band-scale { grid-template-columns: 1fr; }
}

/* ============================================================
FORMULARIO GUIADO (finanready/formulario.html)
Mismo lenguaje visual que el cuestionario de ValorReady360
(.vq-*): estados por pantalla, barra de progreso, tabs por
paso, tarjeta de resultado. Aquí con prefijo "fr-" y campos de
captura de datos en vez de preguntas de opción múltiple.
============================================================ */
.fr-wrap { max-width: 880px; margin: 0 auto; padding: 7.5rem 2rem 5rem; min-height: 70vh; }
.fr-state { text-align: center; padding: 2rem 1rem; }
.fr-state .eyebrow { color: var(--gold); justify-content: center; display: flex; }
.fr-state h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.6rem, 3.4vw, 2.2rem); color: var(--navy); font-weight: 600; margin: .6rem 0 .9rem; }
.fr-state p { font-size: 14.5px; color: var(--muted); line-height: 1.7; max-width: 520px; margin: 0 auto .5rem; }

/* Selección de modalidad */
.fr-mode-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; max-width: 720px; margin: 2rem auto 0; text-align: left; }
.fr-mode-card { background: #fff; border: 1px solid rgba(12,45,94,0.12); border-radius: 7px; padding: 1.5rem; cursor: pointer; transition: all .15s; display: flex; flex-direction: column; gap: .5rem; }
.fr-mode-card:hover { border-color: rgba(201,145,42,0.5); transform: translateY(-2px); }
.fr-mode-card.fr-mode-disabled { cursor: not-allowed; opacity: .6; }
.fr-mode-card.fr-mode-disabled:hover { transform: none; border-color: rgba(12,45,94,0.12); }
.fr-mode-tag { font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); }
.fr-mode-title { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600; color: var(--navy); }
.fr-mode-desc { font-size: 12.5px; color: var(--muted); line-height: 1.6; }
.fr-mode-note { font-size: 11px; color: var(--gold); font-style: italic; margin-top: 2px; }

/* Cabecera + progreso + tabs (igual a .vq-head/.vq-progress-*/.vq-tabs) */
.fr-head { display: flex; justify-content: space-between; align-items: flex-end; flex-wrap: wrap; gap: 1rem; margin-bottom: 1.6rem; }
.fr-head .eyebrow { color: var(--gold); margin-bottom: .35rem; }
.fr-head h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.5rem, 3vw, 2rem); color: var(--navy); font-weight: 600; }
.fr-mode-pill { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); background: rgba(12,45,94,0.07); padding: 5px 11px; border-radius: 999px; white-space: nowrap; }

.fr-progress-track { background: rgba(12,45,94,0.09); border-radius: 999px; height: 7px; overflow: hidden; margin-bottom: .55rem; }
.fr-progress-fill { background: linear-gradient(90deg, var(--gold), var(--gold2)); height: 100%; border-radius: 999px; transition: width .3s ease; }
.fr-progress-lbl { font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--muted); display: flex; justify-content: space-between; margin-bottom: 1.8rem; }
.fr-save-status { color: var(--green); }

.fr-tabs { display: flex; gap: .4rem; overflow-x: auto; padding-bottom: .3rem; margin-bottom: 1.8rem; }
.fr-tab { flex-shrink: 0; display: flex; align-items: center; gap: 6px; background: #fff; border: 1px solid rgba(12,45,94,0.12); border-radius: 999px; padding: 6px 12px 6px 8px; cursor: pointer; font-size: 11.5px; color: var(--navy); transition: all .15s; }
.fr-tab-n { width: 18px; height: 18px; border-radius: 50%; background: var(--soft); color: var(--navy); font-family: 'IBM Plex Mono', monospace; font-size: 9.5px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.fr-tab.active { border-color: var(--gold); background: rgba(201,145,42,0.08); font-weight: 600; }
.fr-tab.active .fr-tab-n { background: var(--gold); color: var(--navy); }
.fr-tab.done .fr-tab-n { background: var(--green); color: #fff; }
.fr-tab.done .fr-tab-n::after { content: "✓"; }

.fr-step-title-row { display: flex; align-items: baseline; gap: .6rem; flex-wrap: wrap; margin-bottom: .3rem; }
.fr-step-title { font-family: 'Playfair Display', serif; font-size: clamp(1.3rem, 2.5vw, 1.6rem); color: var(--navy); font-weight: 600; }
.fr-step-time { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; color: var(--muted); background: var(--soft); padding: 3px 9px; border-radius: 999px; white-space: nowrap; }
.fr-step-sub { font-size: 13px; color: var(--muted); margin-bottom: .7rem; line-height: 1.6; }
.fr-step-fields-status { display: flex; align-items: center; gap: 6px; font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--muted); margin-bottom: 1.4rem; }
.fr-step-fields-status .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.fr-step-fields-status.complete .dot { background: var(--green); }
.fr-step-fields-status.complete { color: var(--green); }

/* Campos de captura */
.fr-field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem 1.4rem; }
.fr-field { display: flex; flex-direction: column; gap: 5px; background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 8px; padding: .9rem 1rem; box-shadow: 0 1px 3px rgba(12,45,94,0.05); transition: box-shadow .15s ease; }
.fr-field:hover { box-shadow: 0 4px 14px rgba(12,45,94,0.1); }
.fr-field.answered { box-shadow: inset 3px 0 0 0 var(--gold), 0 1px 3px rgba(12,45,94,0.05); }
.fr-field.answered:hover { box-shadow: inset 3px 0 0 0 var(--gold), 0 4px 14px rgba(12,45,94,0.1); }
.fr-field-full { grid-column: 1 / -1; }
.fr-field-label { font-size: 12.5px; font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
.fr-req { color: #B3261E; font-weight: 700; }
.fr-opt-tag { font-family: 'IBM Plex Mono', monospace; font-size: 9.5px; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; background: var(--soft); padding: 1px 6px; border-radius: 3px; }
.fr-field-hint { font-size: 11px; color: var(--muted); line-height: 1.5; }
.fr-field-hint::before { content: "💡 "; }
.fr-field-example { font-size: 10.5px; color: rgba(12,45,94,0.45); font-style: italic; }
.fr-field-row { display: flex; align-items: center; gap: 8px; }
.fr-input, .fr-select {
background: #fff; border: 1px solid rgba(12,45,94,0.16); border-radius: 4px;
padding: 10px 12px; color: var(--charcoal); font-size: 13.5px; font-family: 'DM Sans', sans-serif;
outline: none; transition: border .15s, background .15s; width: 100%;
}
.fr-input:focus, .fr-select:focus { border-color: var(--gold); }
.fr-input:disabled { background: var(--soft); color: rgba(44,44,42,0.4); cursor: not-allowed; }
.fr-input-currency-wrap { position: relative; flex: 1; }
.fr-input-currency-wrap .fr-input { padding-left: 26px; }
.fr-currency-sign { position: absolute; left: 11px; top: 50%; transform: translateY(-50%); font-size: 13px; color: var(--muted); pointer-events: none; }
.fr-field-error { font-size: 11px; color: #B3261E; display: none; }
.fr-field.has-error .fr-input, .fr-field.has-error .fr-select { border-color: #B3261E; }
.fr-field.has-error .fr-field-error { display: block; }

.fr-noSe { display: flex; align-items: center; gap: 6px; font-size: 11px; color: var(--muted); white-space: nowrap; cursor: pointer; user-select: none; }
.fr-noSe input { accent-color: var(--gold); }

.fr-toggle-row { display: flex; gap: .5rem; }
.fr-toggle-opt { flex: 1; text-align: center; border: 1px solid rgba(12,45,94,0.16); border-radius: 4px; padding: 9px 10px; font-size: 12.5px; color: var(--navy); cursor: pointer; transition: all .15s; }
.fr-toggle-opt:hover { border-color: rgba(201,145,42,0.5); }
.fr-toggle-opt.selected { border-color: var(--gold); background: rgba(201,145,42,0.08); font-weight: 600; }

/* Botones de rango aproximado (campo tipo "range") */
.fr-pill-row { display: flex; flex-wrap: wrap; gap: .5rem; }
.fr-pill { border: 1px solid rgba(12,45,94,0.18); background: #fff; color: var(--navy); border-radius: 999px; padding: 8px 14px; font-size: 12px; font-family: 'DM Sans', sans-serif; cursor: pointer; transition: all .15s; }
.fr-pill:hover:not(:disabled) { border-color: rgba(201,145,42,0.6); }
.fr-pill.selected { background: var(--navy); border-color: var(--navy); color: #fff; font-weight: 600; }
.fr-pill:disabled { opacity: .4; cursor: not-allowed; }
.fr-exact-toggle { display: inline-block; margin-top: .1rem; font-size: 11px; color: var(--gold); text-decoration: underline; text-underline-offset: 2px; cursor: pointer; background: none; border: none; font-family: 'DM Sans', sans-serif; padding: 0; text-align: left; }
.fr-exact-toggle:disabled { color: var(--muted); cursor: not-allowed; text-decoration: none; }
.fr-exact-box { display: none; align-items: center; gap: 8px; background: var(--soft); border-radius: 6px; padding: .6rem .7rem; }
.fr-exact-box.open { display: flex; }
.fr-exact-box input { border: 1px solid rgba(12,45,94,0.16); border-radius: 4px; padding: 7px 9px; font-size: 12.5px; font-family: 'DM Sans', sans-serif; width: 160px; background: #fff; }
.fr-exact-note { font-size: 10px; color: var(--muted); }
.fr-estimate-tag { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; color: var(--green); background: rgba(15,110,86,0.08); display: inline-block; padding: 3px 9px; border-radius: 4px; width: fit-content; }

/* Tablas de gastos (campo tipo "table") */
.fr-table { width: 100%; border-collapse: collapse; margin-top: .4rem; }
.fr-table th { text-align: left; font-family: 'IBM Plex Mono', monospace; font-size: 9.5px; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); padding: 6px 8px; border-bottom: 1px solid rgba(12,45,94,0.1); }
.fr-table td { padding: 8px; border-bottom: 1px dashed rgba(12,45,94,0.08); vertical-align: middle; }
.fr-row-name { font-size: 12.5px; color: var(--navy); font-weight: 500; }
.fr-row-toggle { display: flex; gap: 6px; }
.fr-row-toggle button { border: 1px solid rgba(12,45,94,0.16); background: #fff; color: var(--navy); border-radius: 999px; padding: 4px 12px; font-size: 11px; cursor: pointer; font-family: 'DM Sans', sans-serif; }
.fr-row-toggle button.selected { background: var(--navy); border-color: var(--navy); color: #fff; }
.fr-row-range select { min-width: 180px; }
.fr-row-range select:disabled { background: var(--soft); color: rgba(44,44,42,0.35); }
.fr-table-total { margin-top: .8rem; background: rgba(201,145,42,0.08); border: 1px solid rgba(201,145,42,0.25); border-radius: 6px; padding: .65rem .85rem; font-size: 12px; color: #7a5a12; }
.fr-table-total strong { color: var(--navy); }

/* Simuladores interactivos (Plan Experto) */
.fr-r-section:has(> .fr-sim-cards) { max-width: 1120px; }
@media (min-width: 901px) { .fr-r-section:has(> .fr-sim-cards) { margin-left: calc(50% - 560px); margin-right: calc(50% - 560px); } }
.fr-sim-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.1rem; }
@media (max-width: 1000px) { .fr-sim-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.fr-sim-card { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-left: 3px solid var(--gold); border-radius: 6px; padding: 1.2rem 1.3rem; }
.fr-sim-card-hd { display: flex; align-items: center; gap: 10px; margin-bottom: 2px; }
.fr-sim-icon { width: 32px; height: 32px; border-radius: 50%; background: rgba(201,145,42,0.12); display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--navy); }
.fr-sim-icon svg { width: 17px; height: 17px; }
.fr-sim-title { font-family: "Playfair Display", serif; font-size: 15px; font-weight: 600; color: var(--navy); }
.fr-sim-card label { font-size: 12px; color: var(--muted); display: flex; justify-content: space-between; margin-top: 14px; }
.fr-sim-card label b { color: var(--navy); font-family: "IBM Plex Mono", monospace; font-weight: 600; font-size: 12px; }
.fr-sim-card input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 4px; border-radius: 999px; background: rgba(12,45,94,0.1); margin: 8px 0 2px; cursor: pointer; outline: none; }
.fr-sim-card input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 16px; height: 16px; border-radius: 50%; background: var(--gold); border: 2px solid #fff; box-shadow: 0 0 0 1px rgba(12,45,94,0.18); cursor: pointer; margin-top: -6px; }
.fr-sim-card input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: var(--gold); border: 2px solid #fff; box-shadow: 0 0 0 1px rgba(12,45,94,0.18); cursor: pointer; }
.fr-sim-card input[type="range"]::-moz-range-track { background: rgba(12,45,94,0.1); height: 4px; border-radius: 999px; }
.fr-sim-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(110px, 1fr)); gap: 8px; margin-top: 16px; padding-top: 14px; border-top: 1px solid rgba(12,45,94,0.08); }
.fr-sim-stat { background: var(--soft); border-radius: 5px; padding: .6rem .7rem; }
.fr-sim-stat-label { font-size: 10px; color: var(--muted); margin-bottom: 3px; line-height: 1.3; }
.fr-sim-stat-value { font-family: "Playfair Display", serif; font-size: 15px; font-weight: 700; color: var(--navy); line-height: 1.2; }
.fr-sim-stat-sub { font-family: "IBM Plex Mono", monospace; font-size: 9.5px; color: var(--muted); margin-top: 2px; }
.fr-sim-stat.is-warn { background: rgba(179,38,30,0.07); }
.fr-sim-stat.is-warn .fr-sim-stat-value { color: #B3261E; }
.fr-sim-stat.is-good .fr-sim-stat-value { color: var(--green); }
.fr-sim-note { font-size: 12px; color: var(--muted); margin-top: 1.1rem; line-height: 1.6; }
@media (max-width: 720px) { .fr-sim-cards { grid-template-columns: 1fr; } }

.fr-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 2.2rem; padding: 1.1rem 1.5rem; border-top: 1px solid rgba(12,45,94,0.1); gap: 1rem; flex-wrap: wrap; position: sticky; bottom: 0; background: rgba(248,246,241,0.94); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); margin-left: -2rem; margin-right: -2rem; box-shadow: 0 -8px 18px -12px rgba(12,45,94,0.18); z-index: 5; }
.fr-btn { font-family: 'DM Sans', sans-serif; font-size: 13.5px; font-weight: 500; padding: 11px 22px; border-radius: 3px; border: none; cursor: pointer; transition: all .15s; }
.fr-btn-prev { background: transparent; color: var(--navy); border: 1px solid rgba(12,45,94,0.2); }
.fr-btn-prev:hover { background: rgba(12,45,94,0.05); }
.fr-btn-prev:disabled { opacity: .35; cursor: not-allowed; }
.fr-btn-next { background: var(--gold); color: var(--navy); font-weight: 600; }
.fr-btn-next:hover { background: var(--gold2); }
.fr-exit-link { font-size: 12px; color: var(--muted); text-decoration: underline; text-underline-offset: 2px; }

/* Paso de revisión y confirmación */
.fr-review-group { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 6px; padding: 1.1rem 1.3rem; margin-bottom: .9rem; }
.fr-review-group-hd { display: flex; justify-content: space-between; align-items: center; margin-bottom: .7rem; }
.fr-review-group-title { font-family: 'Playfair Display', serif; font-size: 14.5px; font-weight: 600; color: var(--navy); }
.fr-review-edit { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; color: var(--gold); text-transform: uppercase; letter-spacing: .04em; }
.fr-review-rows { display: grid; grid-template-columns: 1fr 1fr; gap: .4rem .9rem; }
.fr-review-row { display: flex; justify-content: space-between; gap: 1rem; font-size: 12px; padding: 4px 0; border-bottom: 1px dashed rgba(12,45,94,0.08); }
.fr-review-row-label { color: var(--muted); }
.fr-review-row-value { color: var(--navy); font-weight: 500; text-align: right; }
.fr-review-row-value.is-unknown { color: var(--gold); font-style: italic; font-weight: 400; }
.fr-next-box { background: rgba(15,110,86,0.06); border-left: 3px solid var(--green); border-radius: 4px; padding: 1rem 1.2rem; font-size: 12.5px; color: var(--charcoal); line-height: 1.6; margin: 0 0 1.1rem; }
.fr-next-box strong { color: var(--green); font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; text-transform: uppercase; letter-spacing: .05em; display: block; margin-bottom: .3rem; }
.fr-consent { display: flex; align-items: flex-start; gap: 10px; font-size: 12.5px; color: var(--muted); line-height: 1.6; margin: 1.5rem 0 0; }
.fr-consent input { margin-top: 3px; accent-color: var(--gold); }

@media (max-width: 720px) {
.fr-mode-grid { grid-template-columns: 1fr; }
.fr-field-grid { grid-template-columns: 1fr; }
.fr-review-rows { grid-template-columns: 1fr; }
.fr-table td:nth-child(1) { min-width: 90px; }
.fr-row-range select { min-width: 130px; }
.fr-nav { margin-left: -1rem; margin-right: -1rem; padding-left: 1rem; padding-right: 1rem; }
}

/* ============================================================
DASHBOARD FICTICIO (finanready/dashboard.html)
Reutiliza el lenguaje visual de resultados de ValorReady360
(.vq-r-*) con prefijo "fr-r-", más bloques propios de
FinanReady360 (calidad de datos, comparación, prioridades,
plan 30/60/90, simuladores).
============================================================ */
.fr-demo-banner { background: rgba(201,145,42,0.1); border: 1px dashed rgba(201,145,42,0.4); border-radius: 6px; padding: .8rem 1.1rem; font-size: 12px; color: #7a5a12; text-align: center; margin-bottom: 1.8rem; line-height: 1.6; }

.fr-r-score-card { background: linear-gradient(135deg, var(--navy), var(--navy3)); border-radius: 8px; padding: 2rem 2rem 1.6rem; display: flex; align-items: center; gap: 2rem; flex-wrap: wrap; margin-bottom: 1.4rem; }
.fr-r-score-num { font-family: 'Playfair Display', serif; font-size: 3.2rem; font-weight: 700; color: #fff; line-height: 1; }
.fr-r-score-num span { font-size: 1.05rem; font-weight: 400; color: rgba(255,255,255,0.5); }
.fr-r-score-meta { flex: 1; min-width: 220px; }
.fr-r-band { font-family: 'Playfair Display', serif; font-style: italic; font-size: 1.3rem; color: var(--gold); font-weight: 600; margin-bottom: .4rem; }
.fr-r-summary { font-size: 13px; color: rgba(255,255,255,0.78); line-height: 1.7; }
.fr-r-quality { display: inline-flex; align-items: center; gap: 7px; margin-top: .9rem; background: rgba(255,255,255,0.08); border-radius: 999px; padding: 5px 12px; }
.fr-r-quality-dot { width: 8px; height: 8px; border-radius: 50%; }
.fr-r-quality-label { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; color: rgba(255,255,255,0.85); text-transform: uppercase; letter-spacing: .04em; }

.fr-r-section { margin-bottom: 1.8rem; }
.fr-r-section-hd { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; letter-spacing: .06em; color: var(--gold); text-transform: uppercase; margin-bottom: .8rem; }

.fr-r-dims { display: flex; flex-direction: column; gap: 11px; }
.fr-r-dim-row { display: grid; grid-template-columns: 190px 1fr 60px; align-items: center; gap: 14px; }
.fr-r-dim-name { font-size: 12.5px; font-weight: 600; color: var(--navy); }
.fr-r-dim-track { background: rgba(12,45,94,0.09); border-radius: 999px; height: 7px; overflow: hidden; }
.fr-r-dim-fill { height: 100%; border-radius: 999px; }
.fr-r-dim-score { font-family: 'IBM Plex Mono', monospace; font-size: 11.5px; text-align: right; }

.fr-r-alerts { background: rgba(179,38,30,0.06); border-left: 3px solid #B3261E; border-radius: 4px; padding: 1rem 1.2rem; }
.fr-r-alerts-hd { font-size: 12.5px; font-weight: 700; color: #B3261E; margin-bottom: .6rem; }
.fr-r-alert { padding: 8px 0; border-bottom: 1px dashed rgba(179,38,30,0.18); }
.fr-r-alert:last-child { border-bottom: none; }
.fr-r-alert-name { font-size: 12.5px; font-weight: 600; color: #7a1f19; }
.fr-r-alert-desc { font-size: 11.5px; color: var(--charcoal); line-height: 1.5; margin-top: 2px; }
.fr-r-alert-meta { font-family: 'IBM Plex Mono', monospace; font-size: 10px; color: var(--muted); margin-top: 3px; }

.fr-r-two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.fr-r-list-card { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 6px; padding: 1.1rem 1.3rem; }
.fr-r-list-card h3 { font-family: 'Playfair Display', serif; font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: .7rem; }
.fr-r-list-card ul { margin: 0; padding-left: 1.1rem; }
.fr-r-list-card li { font-size: 12.5px; color: var(--charcoal); line-height: 1.6; margin-bottom: 4px; }
.fr-r-list-card.fr-strengths h3 { color: var(--green); }
.fr-r-list-card.fr-gaps h3 { color: #B3261E; }

.fr-r-priorities { display: flex; flex-direction: column; gap: 10px; }
.fr-r-priority { display: flex; gap: 12px; background: #fff; border: 1px solid rgba(12,45,94,0.1); border-left: 3px solid var(--gold); border-radius: 5px; padding: .9rem 1.1rem; }
.fr-r-priority-n { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 700; color: var(--gold); flex-shrink: 0; }
.fr-r-priority-t { font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 2px; }
.fr-r-priority-d { font-size: 12px; color: var(--muted); line-height: 1.55; }

.fr-r-plan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.fr-r-plan-col { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 6px; padding: 1.1rem; }
.fr-r-plan-col-hd { font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--navy); background: var(--soft); border-radius: 999px; padding: 4px 10px; display: inline-block; margin-bottom: .8rem; }
.fr-r-plan-item { font-size: 12px; color: var(--charcoal); line-height: 1.55; padding: 6px 0; border-bottom: 1px dashed rgba(12,45,94,0.08); }
.fr-r-plan-item:last-child { border-bottom: none; }

.fr-r-metrics-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: .8rem; }
.fr-r-metric { background: #fff; border: 1px solid rgba(12,45,94,0.1); border-radius: 6px; padding: .9rem 1rem; }
.fr-r-metric-label { font-size: 11px; color: var(--muted); margin-bottom: 3px; }
.fr-r-metric-value { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; color: var(--navy); }
.fr-r-metric-delta { font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; margin-top: 3px; }
.fr-r-metric-delta.is-up { color: var(--green); }
.fr-r-metric-delta.is-down { color: #B3261E; }

.fr-r-sim-teaser { display: flex; flex-wrap: wrap; gap: .6rem; }
.fr-r-sim-teaser .fr-sim-chip { opacity: .75; }

.fr-r-download { text-align: center; background: var(--soft); border-radius: 8px; padding: 1.8rem 1.5rem; }
.fr-r-download p { font-size: 12.5px; color: var(--muted); margin: .7rem auto 0; max-width: 440px; }
.fr-cta-row { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; margin-top: 1.2rem; }

@media (max-width: 720px) {
.fr-r-dim-row { grid-template-columns: 1fr; gap: 4px; }
.fr-r-dim-score { text-align: left; }
.fr-r-two-col { grid-template-columns: 1fr; }
.fr-r-plan-grid { grid-template-columns: 1fr; }
.fr-r-metrics-grid { grid-template-columns: 1fr 1fr; }
}

/* Utilidad de accesibilidad (revision 3, punto 6): oculta visualmente
pero mantiene el contenido disponible para lectores de pantalla. */
.fr-sr-only {
position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
fieldset.fr-fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.fr-toggle-opt-btn {
flex: 1; text-align: center; border: 1px solid rgba(12,45,94,0.16); border-radius: 4px;
padding: 9px 10px; font-size: 12.5px; color: var(--navy); cursor: pointer; transition: all .15s;
background: #fff; font-family: 'DM Sans', sans-serif;
}
.fr-toggle-opt-btn.selected { background: var(--navy); border-color: var(--navy); color: #fff; }
.fr-toggle-opt-btn:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.fr-input:focus-visible, .fr-select:focus-visible { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
.fr-field-error[role="alert"] { font-weight: 600; }

/* ===================================================================
Contraste de botones y compactación de espaciado (Fase 5 — #171, #175)
=================================================================== */

/* Botón "outline" sobre fondo blanco de las tarjetas de precio: el
.btn-outline base está pensado para fondos oscuros (texto/borde
blancos), así que aquí lo reescribimos en tonos navy para que sea
visible sobre el blanco de .fr-price-card. */
.fr-price-card .btn-outline {
color: var(--navy);
border-color: rgba(12,45,94,0.35);
}
.fr-price-card .btn-outline:hover {
border-color: var(--navy);
background: rgba(12,45,94,0.05);
}

/* Secciones más compactas en las páginas de vista previa de FinanReady360
(identificadas por .fr-preview-banner), sin afectar el resto del sitio
que reutiliza las mismas clases genéricas (.hero, .csx-section, .cta-s). */
.fr-preview-banner ~ section.hero {
min-height: auto;
padding: 2.75rem 0 2.25rem;
}
.fr-preview-banner ~ section.csx-section {
padding: 1.5rem 0;
}
.fr-preview-banner ~ section.cta-s {
padding: 1.75rem 0;
}
.fr-preview-banner ~ section .csx-hd {
margin: 0 auto 1.1rem;
}


/* ============================================================
   ACCESO PERSONALIZADO (login / registro / recuperacion)
   Modal propio para finanready/index.html que reemplaza el widget
   por defecto de Netlify Identity, con la misma estetica oscura/
   dorada del formulario de checkout de ValorReady 360 (reutiliza
   .cf-grid/.cf-g/.cf-full/.cf-submit/.cf-note/.cf-consent de
   css/styles.css).
   ============================================================ */
.fr-auth-overlay { display: none; position: fixed; inset: 0; background: rgba(7,26,58,0.85); z-index: 2000; align-items: center; justify-content: center; padding: 1rem; }
.fr-auth-overlay.open { display: flex; }
.fr-auth-card { background: var(--navy3); border: 1px solid rgba(201,145,42,0.25); border-radius: 6px; width: 440px; max-width: 100%; max-height: 92vh; overflow-y: auto; position: relative; padding: 2rem 1.85rem 1.75rem; }
.fr-auth-close { position: absolute; top: 14px; right: 14px; background: none; border: 1px solid rgba(255,255,255,0.2); color: rgba(255,255,255,0.6); width: 28px; height: 28px; border-radius: 3px; font-size: 15px; line-height: 1; display: flex; align-items: center; justify-content: center; transition: all .2s; }
.fr-auth-close:hover { background: rgba(255,255,255,0.1); color: #fff; }
.fr-auth-hd { margin-bottom: 1.4rem; text-align: center; }
.fr-auth-eyebrow { font-family: 'IBM Plex Mono', monospace; font-size: 10px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: .5rem; }
.fr-auth-title { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 600; color: #fff; }
.fr-auth-tabs { display: flex; gap: 6px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.1); border-radius: 4px; padding: 4px; margin-bottom: 1.5rem; }
.fr-auth-tab { flex: 1; text-align: center; padding: 8px 10px; font-size: 12.5px; font-family: 'DM Sans', sans-serif; color: rgba(255,255,255,0.55); background: none; border: none; border-radius: 3px; cursor: pointer; transition: all .15s; }
.fr-auth-tab.active { background: var(--gold); color: var(--navy); font-weight: 600; }
.fr-auth-panel { display: none; }
.fr-auth-panel.active { display: block; }
.fr-auth-error { display: none; background: rgba(179,38,30,0.12); border: 1px solid rgba(179,38,30,0.35); border-radius: 3px; padding: .6rem .8rem; font-size: 12px; color: #ff9d92; margin-bottom: 1rem; line-height: 1.5; }
.fr-auth-error.show { display: block; }
.fr-auth-msg { display: none; background: rgba(15,110,86,0.12); border: 1px solid rgba(15,110,86,0.35); border-radius: 3px; padding: .6rem .8rem; font-size: 12px; color: #7bd9c0; margin-bottom: 1rem; line-height: 1.5; }
.fr-auth-msg.show { display: block; }
.fr-auth-foot { margin-top: 1.1rem; text-align: center; font-size: 12px; color: rgba(255,255,255,0.4); }
.fr-auth-lnk { color: var(--gold); cursor: pointer; text-decoration: underline; text-underline-offset: 2px; background: none; border: none; font-family: 'DM Sans', sans-serif; font-size: 12px; padding: 0; }
.fr-auth-lnk:hover { color: var(--gold2); }
.fr-auth-card .cf-submit:disabled { opacity: .6; cursor: not-allowed; }
@media (max-width: 480px) { .fr-auth-card { padding: 1.6rem 1.25rem 1.4rem; } }


/* ============================================================
   Benchmarking financiero (Plan Experto) — empresa vs mediana del
   sector. Reutiliza --navy/--gold/--cream/--green de styles.css.
   ============================================================ */
.fr-bench-intro { font-size: 13px; color: var(--muted); line-height: 1.6; margin: -4px 0 1rem; }
.fr-bench-chart-wrap { display: flex; justify-content: center; margin: .5rem 0 .25rem; }
.fr-bench-legend { display: flex; gap: 1.5rem; justify-content: center; flex-wrap: wrap; margin-top: .25rem; }
.fr-bench-legend span { font-size: 12.5px; color: var(--charcoal); }
.fr-bench-dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 6px; vertical-align: middle; }
.fr-bench-table { width: 100%; border-collapse: collapse; margin-top: 1.1rem; font-size: 13px; }
.fr-bench-table th { text-align: left; font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; letter-spacing: .05em; color: var(--muted); text-transform: uppercase; font-weight: 500; padding: .5rem .4rem; border-bottom: 1px solid rgba(12,45,94,0.12); }
.fr-bench-table td { padding: .55rem .4rem; border-bottom: 1px solid rgba(12,45,94,0.08); }
.fr-bench-win { color: var(--green); font-weight: 700; }
.fr-bench-lose { color: var(--muted); }
.fr-bench-note { font-size: 12px; color: var(--muted); margin-top: .85rem; line-height: 1.65; }
.fr-bench-empty { font-size: 13px; color: var(--muted); line-height: 1.7; padding: .5rem 0; }


/* ===== Dashboard financiero completo (Estado de resultados, Balance, Flujo de caja, Ranking) ===== */
.fr-grid2{display:grid;grid-template-columns:1.1fr .9fr;gap:1.6rem;}
.fr-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;}
.fr-grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;}
@media(max-width:820px){.fr-grid2,.fr-grid3,.fr-grid4{grid-template-columns:1fr 1fr;}}
.fr-tbl{width:100%;border-collapse:collapse;font-size:13.5px;}
.fr-tbl th{text-align:left;font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:.05em;color:var(--muted);text-transform:uppercase;font-weight:500;padding:.5rem .4rem;border-bottom:1px solid rgba(12,45,94,0.12);}
.fr-tbl td{padding:.55rem .4rem;border-bottom:1px solid rgba(12,45,94,0.08);}
.fr-tbl tr.fr-total td{font-weight:700;color:var(--navy);border-top:2px solid var(--navy);border-bottom:none;}
.fr-num{text-align:right;font-variant-numeric:tabular-nums;}
.fr-up{color:var(--green);font-weight:600;}
.fr-down{color:#B3452F;font-weight:600;}
.fr-kpi-card{background:var(--soft);border-radius:10px;padding:1rem 1.1rem;}
.fr-kpi-card .fr-kpi-lbl{font-family:'IBM Plex Mono',monospace;font-size:10px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);}
.fr-kpi-card .fr-kpi-val{font-family:'Playfair Display',serif;font-size:1.5rem;color:var(--navy);margin-top:.25rem;}
.fr-kpi-card .fr-kpi-sub{font-size:11.5px;color:var(--muted);margin-top:.2rem;}
.fr-bar-row{display:flex;align-items:center;gap:.7rem;margin:.55rem 0;}
.fr-bar-row .fr-bar-lbl{width:150px;font-size:12.5px;color:var(--charcoal);flex-shrink:0;}
.fr-bar-track{flex:1;background:var(--soft);border-radius:6px;height:16px;overflow:hidden;position:relative;}
.fr-bar-fill{height:100%;border-radius:6px;}
.fr-bar-val{width:64px;text-align:right;font-size:12.5px;font-variant-numeric:tabular-nums;color:var(--navy);font-weight:600;}
.fr-stack{display:flex;height:38px;border-radius:8px;overflow:hidden;margin:.6rem 0;}
.fr-stack div{display:flex;align-items:center;justify-content:center;color:#fff;font-size:11px;font-family:'IBM Plex Mono',monospace;}
.fr-waterfall{display:flex;align-items:flex-end;gap:.5rem;height:150px;margin-top:1rem;}
.fr-wcol{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:flex-end;height:100%;}
.fr-wcol .fr-wbar{width:100%;border-radius:5px 5px 0 0;}
.fr-wcol .fr-wlbl{font-size:10.5px;color:var(--muted);margin-top:.4rem;text-align:center;line-height:1.3;}
.fr-wcol .fr-wval{font-size:11px;font-weight:600;color:var(--navy);margin-bottom:.25rem;}
.fr-ranking-badge{display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap;}
.fr-ring{width:110px;height:110px;border-radius:50%;background:conic-gradient(var(--gold) 0% var(--fr-ring-pct,50%), var(--soft) var(--fr-ring-pct,50%) 100%);display:flex;align-items:center;justify-content:center;position:relative;flex-shrink:0;}
.fr-ring::before{content:"";position:absolute;width:78px;height:78px;background:#fff;border-radius:50%;}
.fr-ring span{position:relative;font-family:'Playfair Display',serif;font-size:1.5rem;color:var(--navy);}

.fr-req-tag{display:block;font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--gold);background:rgba(201,145,42,0.1);border:1px solid rgba(201,145,42,0.3);border-radius:20px;padding:4px 10px;margin:.2rem 0 .8rem;width:fit-content;list-style:none;}

/* ==== Tarea #319: KPI cards, indicadores por categoria y Z-Score (dashboard Experto) ==== */
.fr-kpi-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.9rem;margin-bottom:1.2rem;}
@media(max-width:820px){.fr-kpi-grid{grid-template-columns:1fr 1fr;}}
.fr-kpi-card{background:var(--soft);border-radius:10px;padding:.9rem 1rem;}
.fr-kpi-card .fr-kpi-lbl{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);}
.fr-kpi-card .fr-kpi-val{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--navy);margin-top:.25rem;}
.fr-kpi-card .fr-kpi-sub{font-size:11px;color:var(--muted);margin-top:.25rem;}

.fr-cat-hd{font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);font-weight:600;margin:1.2rem 0 .6rem;padding-left:.6rem;border-left:3px solid var(--gold);}
.fr-cat-hd:first-child{margin-top:0;}
.fr-indic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.9rem;}
@media(max-width:820px){.fr-indic-grid{grid-template-columns:1fr 1fr;}}
.fr-indic-card{background:var(--soft);border-radius:10px;padding:.8rem .95rem;}
.fr-indic-card .fr-indic-lbl{font-family:'IBM Plex Mono',monospace;font-size:9px;letter-spacing:.03em;text-transform:uppercase;color:var(--muted);}
.fr-indic-card .fr-indic-val{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--navy);margin-top:.2rem;display:flex;align-items:baseline;gap:.35rem;}
.fr-indic-card .fr-indic-val .fr-arrow{font-size:.7rem;}
.fr-indic-card .fr-arrow.up{color:var(--green);}
.fr-indic-card .fr-arrow.down{color:#B3452F;}
.fr-indic-card .fr-indic-cmp{font-size:10.5px;color:var(--muted);margin-top:.35rem;}

.fr-zscore-card{display:flex;align-items:center;gap:1.4rem;background:var(--soft);border-radius:10px;padding:1.1rem 1.3rem;margin-top:1.3rem;flex-wrap:wrap;}
.fr-zscore-ring{width:84px;height:84px;border-radius:50%;display:flex;align-items:center;justify-content:center;position:relative;flex-shrink:0;}
.fr-zscore-ring.zona-segura{background:conic-gradient(var(--green) 0% 100%);}
.fr-zscore-ring.zona-gris{background:conic-gradient(var(--gold) 0% 100%);}
.fr-zscore-ring.zona-riesgo{background:conic-gradient(#B3452F 0% 100%);}
.fr-zscore-ring::before{content:"";position:absolute;width:60px;height:60px;background:#fff;border-radius:50%;}
.fr-zscore-ring span{position:relative;font-family:'Playfair Display',serif;font-size:1.15rem;color:var(--navy);}
.fr-zone-pill{display:inline-block;color:#fff;font-size:11px;font-weight:600;padding:2px 10px;border-radius:20px;margin-top:.3rem;}
.fr-zone-pill.zona-segura{background:var(--green);}
.fr-zone-pill.zona-gris{background:var(--gold);color:#1a1a1a;}
.fr-zone-pill.zona-riesgo{background:#B3452F;}