:root{--navy:#08141f;--navy2:#0f2233;--gold:#d6b46a;--gold2:#f1d58a;--cream:#f6f1e7;--paper:#fffdfa;--text:#25313d;--muted:#66717d;--line:#e3dccf;--ok:#1f6a52;--warn:#8b5a14;--shadow:0 18px 50px rgba(8,20,31,.10);--radius:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--text);font:17px/1.7 Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif}a{color:#1a526f;text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;line-height:1.18;color:var(--navy)}h1{font-size:clamp(2.35rem,5vw,4.6rem);margin:.25em 0}h2{font-size:clamp(1.7rem,3vw,2.55rem);margin:1.25em 0 .55em}h3{font-size:1.26rem;margin:1em 0 .35em}p{margin:.55em 0 1em}.wrap{width:min(1180px,92%);margin:auto}.topbar{position:sticky;top:0;z-index:100;background:rgba(8,20,31,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(214,180,106,.22)}.nav{display:flex;align-items:center;gap:20px;min-height:72px}.brand{display:flex;align-items:center;gap:11px;color:#fff;font:700 18px Georgia,serif;white-space:nowrap}.brand img{width:38px;height:38px;border-radius:10px}.navlinks{display:flex;gap:18px;align-items:center;margin-left:auto;flex-wrap:wrap;justify-content:flex-end}.navlinks a{color:#f7f1e7;font-size:14px;font-weight:700}.navlinks a:hover{color:var(--gold2);text-decoration:none}.hero{background:radial-gradient(circle at 82% 15%,rgba(214,180,106,.22),transparent 28%),linear-gradient(135deg,#06111b,#0b1826 50%,#173047);color:#fff;padding:82px 0 70px;overflow:hidden}.hero h1,.hero h2{color:#fff}.hero p{max-width:820px;color:#e7edf1;font-size:1.12rem}.eyebrow{color:var(--gold2);font-size:.78rem;text-transform:uppercase;letter-spacing:.17em;font-weight:800}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 20px;font-weight:800;border:1px solid var(--gold);transition:.2s}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn-primary{background:var(--gold);color:var(--navy)}.btn-ghost{color:#fff;background:transparent}.main{padding:45px 0 70px}.section{margin:34px 0}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}.grid{display:grid;gap:20px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.kpi{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.kpi strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:1.18rem}.tag{display:inline-block;background:#efe7d7;border:1px solid #ddc99b;color:#493b21;padding:4px 10px;border-radius:999px;font-size:.78rem;font-weight:800;margin:3px 4px 3px 0}.tag.ok{background:#e8f4ef;border-color:#b6d8ca;color:#18543f}.tag.warn{background:#fff3df;border-color:#ead1a3;color:#794d0e}.notice{border-left:4px solid var(--gold);padding:17px 19px;background:#fff8e9;border-radius:0 14px 14px 0}.notice.info{border-left-color:#4f7e96;background:#eef6f9}.notice.danger{border-left-color:#a95555;background:#fff1f1}.facts{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}.facts th,.facts td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.facts th{width:29%;color:var(--navy);background:#fbf7ef}.facts tr:last-child th,.facts tr:last-child td{border-bottom:0}.compare{width:100%;border-collapse:collapse;background:#fff}.compare th,.compare td{padding:12px;border:1px solid var(--line);vertical-align:top}.compare th{background:var(--navy);color:white}.table-wrap{overflow:auto;border-radius:15px;box-shadow:var(--shadow)}ul.check{padding-left:0;list-style:none}ul.check li{margin:.6em 0;padding-left:26px;position:relative}ul.check li:before{content:'✓';position:absolute;left:0;color:var(--ok);font-weight:900}.toc{background:#f4eee2;border:1px solid var(--line);border-radius:18px;padding:18px 22px}.toc a{display:inline-block;margin:5px 12px 5px 0;font-weight:700}.source-list{font-size:.94rem}.source-list li{margin:.55em 0}.updated{font-size:.85rem;color:var(--muted)}.profile-head{display:flex;align-items:flex-start;justify-content:space-between;gap:25px}.profile-head .identity{max-width:790px}.decision{background:#0f2233;color:#fff;border-radius:18px;padding:20px}.decision h3{color:var(--gold2);margin-top:0}.decision p{margin-bottom:0;color:#edf2f5}.article{max-width:900px}.article h2{scroll-margin-top:100px}.article li{margin:.5em 0}.footer{background:var(--navy);color:#d8e0e5;padding:45px 0}.footer a{color:#f1d58a}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footer small{color:#9eadb6}.crumbs{font-size:.88rem;color:#d5dde2;margin-bottom:18px}.crumbs a{color:#f1d58a}.bank-row{display:grid;grid-template-columns:1.1fr 1.8fr auto;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;margin:14px 0}.bank-row h3{margin:0 0 5px}.bank-row p{margin:.3em 0;color:#52606c}.filterbar{display:flex;gap:8px;flex-wrap:wrap;margin:20px 0}.filterbar button{border:1px solid #cdbd9a;background:white;border-radius:999px;padding:8px 12px;cursor:pointer}.filterbar button.active{background:var(--navy);color:white}.mini{font-size:.9rem;color:var(--muted)}.quote{font-family:Georgia,serif;font-size:1.2rem;border-left:4px solid var(--gold);padding-left:20px}.schema-note{font-size:.83rem;color:var(--muted)}
@media(max-width:900px){.nav{align-items:flex-start;padding:12px 0;flex-direction:column}.navlinks{margin-left:0;justify-content:flex-start;gap:11px 14px}.hero{padding:55px 0}.grid-2,.grid-3,.grid-4,.footer-grid{grid-template-columns:1fr}.bank-row{grid-template-columns:1fr}.profile-head{display:block}.facts th{width:40%}}
@media(max-width:520px){body{font-size:16px}.navlinks a{font-size:13px}.card{padding:20px}.facts th,.facts td{display:block;width:100%}.facts th{border-bottom:0;padding-bottom:4px}.facts td{padding-top:4px}.hero-actions .btn{width:100%}}


/* ===== DISEÑO V4 · restauración visual premium de la web anterior ===== */
:root{--navy:#08141f;--navy2:#0f2233;--gold:#d6b46a;--gold2:#f1d58a;--cream:#f6f1e7;--paper:#fffdfa;--text:#263241;--muted:#6b7280;--line:#e5e0d4;--shadow:0 30px 80px rgba(8,20,31,.14);--radius:26px}
html{scroll-behavior:smooth}
body{font-family:Georgia,"Times New Roman",serif;background:var(--cream);color:var(--text);line-height:1.65}

/* Navegación como la versión anterior */
.topbar{position:fixed;top:0;left:0;right:0;z-index:9999;background:rgba(6,17,27,.84);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border-bottom:1px solid rgba(214,180,106,.16);box-shadow:0 8px 30px rgba(0,0,0,.22)}
.nav{min-height:82px;padding:9px 0;display:flex;align-items:center;gap:24px}
.brand{gap:13px;font:800 1.12rem/1.15 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;letter-spacing:.01em}
.brand img{width:54px;height:54px;object-fit:contain;border-radius:14px;filter:drop-shadow(0 8px 18px rgba(0,0,0,.28))}
.navlinks{gap:21px}
.navlinks a{font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;font-size:.90rem;font-weight:650;color:#e8dfcc}
.navlinks a:hover{color:var(--gold2)}

/* Hero con el MISMO mapa real de la web antigua */
.hero{position:relative;isolation:isolate;overflow:hidden;color:white;padding:154px 0 94px;background:radial-gradient(circle at top right,rgba(214,180,106,.22),transparent 34%),linear-gradient(135deg,#06111b,#0b1826 48%,#14283b)}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;background-image:url("https://upload.wikimedia.org/wikipedia/commons/8/83/Equirectangular_projection_SW.jpg");background-repeat:no-repeat;background-position:center top;background-size:cover;opacity:.42;filter:grayscale(1) brightness(1.15) contrast(1.45);pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(to bottom,rgba(6,17,27,.20),rgba(6,17,27,.50)),linear-gradient(90deg,rgba(6,17,27,.58),rgba(6,17,27,.12));pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:58px;align-items:center}
.hero .eyebrow{display:inline-flex;align-items:center;gap:10px;padding:9px 15px;border-radius:999px;color:#f8e7b8;background:rgba(214,180,106,.10);border:1px solid rgba(214,180,106,.30);font:800 .82rem/1.2 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;letter-spacing:.10em;text-transform:uppercase;margin-bottom:24px}
.hero h1{font-size:clamp(2.8rem,5vw,5.45rem);line-height:.99;letter-spacing:-.062em;font-weight:500;max-width:900px;margin:0}
.hero .hero-lead{margin-top:26px;max-width:780px;color:#d8e0ea;font:400 1.14rem/1.7 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}
.hero-signature{margin-top:20px;color:var(--gold2);font:500 1.06rem/1.4 Georgia,"Times New Roman",serif}
.hero-actions{margin-top:28px}
.hero-trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.hero-trust span{display:inline-flex;align-items:center;gap:7px;padding:7px 11px;border:1px solid rgba(241,213,138,.33);border-radius:999px;background:rgba(8,20,31,.42);color:#f7f1e7;font:700 .80rem/1.25 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;backdrop-filter:blur(5px)}
.hero-trust span::before{content:'✓';color:var(--gold2);font-weight:900}
.hero-panel{background:linear-gradient(180deg,rgba(255,255,255,.105),rgba(255,255,255,.055));border:1px solid rgba(214,180,106,.32);border-radius:28px;padding:24px;backdrop-filter:blur(13px);box-shadow:0 24px 70px rgba(0,0,0,.24)}
.hero-panel-title{color:#f1d58a;font:800 .78rem/1.3 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;letter-spacing:.13em;text-transform:uppercase;margin-bottom:13px}
.hero-mini{display:flex;align-items:center;gap:13px;padding:15px 0;border-top:1px solid rgba(255,255,255,.12)}
.hero-mini:first-of-type{border-top:0}
.hero-mini-logo{width:46px;height:46px;flex:0 0 46px;display:grid;place-items:center;border-radius:14px;background:#fff;border:1px solid rgba(214,180,106,.34);overflow:hidden}
.hero-mini-logo img{width:30px;height:30px;max-width:30px;max-height:30px;object-fit:contain;display:block}
.hero-mini strong{display:block;color:#fff;font:700 1.03rem/1.2 Georgia,"Times New Roman",serif}
.hero-mini small{display:block;margin-top:3px;color:#cfd9e2;font:500 .79rem/1.35 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}

/* Tipografía y bloques como la versión antigua */
.main{padding:30px 0 72px}
.section{margin:44px 0}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:26px;margin-bottom:24px}
.section-head h2{font-size:clamp(2.05rem,3vw,3.15rem);line-height:1.08;letter-spacing:-.048em;font-weight:500;margin:0;color:var(--navy)}
.section-head p{max-width:690px;margin:0;color:var(--muted);font:400 .98rem/1.65 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}
.section .eyebrow{font:800 .77rem/1.2 Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;letter-spacing:.14em;text-transform:uppercase}
.card,.use-card{background:linear-gradient(180deg,#fffdfa,#fff);border:1px solid var(--line);border-radius:26px;box-shadow:0 24px 65px rgba(8,20,31,.09)}
.card{padding:27px}
.card h2,.card h3,.use-card strong{font-weight:500;letter-spacing:-.025em}
.card p,.card li,.use-card p,.bank-row p,.mini,.notice,.facts,.compare,.toc,.updated,.source-list,.decision p{font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}
.use-card{padding:22px}
.use-card strong{display:block;color:var(--navy);font-size:1.22rem;line-height:1.25;margin-bottom:7px}
.use-card p{margin:0;color:#52606c;font-size:.93rem}
.notice{border-left:4px solid var(--gold);background:#fff8e9;border-radius:0 18px 18px 0;padding:19px 21px}
.btn{font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;border-radius:999px;padding:12px 20px}

/* Directorio y logos: misma caja y tamaño visual */
.provider-card{position:relative;overflow:hidden;transition:transform .18s ease,box-shadow .18s ease}
.provider-card:hover{transform:translateY(-3px);box-shadow:0 30px 70px rgba(8,20,31,.14)}
.provider-head,.bank-id{display:flex;align-items:center;gap:14px}
.provider-logo{width:58px;height:58px;flex:0 0 58px;display:grid;place-items:center;border-radius:17px;background:#fff;border:1px solid rgba(214,180,106,.30);box-shadow:0 8px 24px rgba(8,20,31,.08);overflow:hidden}
.bank-logo{width:54px;height:54px;flex:0 0 54px;display:grid;place-items:center;border-radius:16px;background:#fff;border:1px solid rgba(214,180,106,.28);box-shadow:0 7px 20px rgba(8,20,31,.07);overflow:hidden}
.provider-logo img,.bank-logo img{width:34px;height:34px;max-width:34px;max-height:34px;object-fit:contain;object-position:center;display:block}
.provider-card h3,.bank-id h3{margin:0 0 4px;font-weight:500}
.bank-row{border-radius:22px;padding:23px;box-shadow:0 14px 42px rgba(8,20,31,.06)}

/* Ajuste óptico de favicons con margen interno */
img[src*="banknorwegian"]{transform:scale(1.15)}
img[src*="grabrfi"]{transform:scale(1.17)}
img[src*="bilderlings"]{transform:scale(1.15)}
img[src*="icard.com"]{transform:scale(1.12)}
img[src*="wittix"]{transform:scale(1.14)}
img[src*="airtm"]{transform:scale(1.10)}
img[src*="monese"]{transform:scale(1.08)}
img[src*="zen.com"]{transform:scale(1.08)}
img[src*="bunq.com"],img[src*="swissquote"]{transform:scale(.96)}

.footer{background:#08141f;color:#d8e0e5;padding:48px 0}
.footer,.footer p,.footer small,.footer a{font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}

@media(max-width:1000px){.hero-grid{grid-template-columns:1fr}.hero-panel{max-width:680px}}
@media(max-width:900px){.nav{min-height:auto;padding:10px 0;align-items:flex-start}.brand img{width:48px;height:48px}.hero{padding-top:150px}.section-head{display:block}.section-head p{margin-top:10px}}
@media(max-width:520px){body{font-size:16px}.hero{padding:142px 0 60px}.hero h1{font-size:clamp(2.55rem,14vw,4rem)}.hero-grid{gap:28px}.hero-panel{padding:19px}.hero-trust{display:grid;grid-template-columns:1fr}.provider-logo{width:54px;height:54px;flex-basis:54px}.bank-logo{width:50px;height:50px;flex-basis:50px}.provider-logo img,.bank-logo img{width:32px;height:32px;max-width:32px;max-height:32px}}

/* V5: solo altas verificadas 100% remotas para residentes en España. Mantiene íntegra estética y mapa V4. */
.global-card{height:100%;border:1px solid #dcc996;border-top:3px solid var(--gold)}
.global-card h3{margin:0 0 8px}.global-card p{margin:7px 0 13px}.global-card .mini{font-size:.9rem}
.global-head{display:flex;align-items:center;gap:14px;margin-bottom:15px}
.global-brand{width:56px;height:56px;flex:0 0 56px;padding:10px;border-radius:15px;display:grid;place-items:center;background:#fff;border:1px solid #e7ddcd}
.global-brand img{display:block;width:34px;height:34px;max-width:34px;max-height:34px;object-fit:contain}
.global-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.global-label{font:800 .75rem Inter,system-ui,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#8a6b2a}
.global-facts td,.global-facts th{vertical-align:top}.global-facts th{width:30%}
.global-lead{font-size:1.08rem;max-width:850px;line-height:1.73}
.global-toc{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}
.global-checklist li{margin:.65rem 0}.global-cta{margin:24px 0}
@media(max-width:850px){.global-grid{grid-template-columns:1fr}}
@media(max-width:520px){.global-facts th{width:100%}}