/* Home fintech. Estilos limitados a la portada; contenido y controles originales. */
.be-home--reference {
 --be-home-blue: #3454df;
 --be-home-navy: #14283f;
 --be-home-mint: #d9f1e5;
 --be-home-muted: #5d6b7b;
 --be-home-line: #dfe5ed;
 color: var(--be-home-navy); background: #fff;
 font-family: Arial, Helvetica, sans-serif;
}
.be-home--reference .be-container { width: min(calc(100% - 48px),1120px); }
.be-home--reference h1, .be-home--reference h2, .be-home--reference h3, .be-home--reference h4 { color: inherit; font-family: inherit; font-weight: 700; letter-spacing: -.035em; overflow-wrap: anywhere; }
.be-home--reference p { font-family: inherit; }
.be-home--reference a:focus-visible, .be-home--reference button:focus-visible { outline: 3px solid #5271ff; outline-offset: 5px; }
.be-home--reference svg { display: block; width: 100%; height: 100%; }
.be-home--reference .be-ref-button { display: inline-flex; align-items: center; justify-content: center; align-self: flex-start; min-height: 48px; max-width: 100%; padding: 14px 24px; border: 1px solid transparent; border-radius: 12px; background: var(--be-home-blue); color: #fff; font-size: 14px; font-weight: 700; line-height: 1.4; text-align: center; transition: background .2s, box-shadow .2s; }
.be-home--reference .be-ref-button:hover, .be-ref-product__link:hover .be-ref-button { background: #243fc0; box-shadow: 0 5px 14px #2544c51a; }
.be-ref-arrow { display: grid; place-items: center; flex: 0 0 auto; width: 32px; height: 32px; padding: 8px; border-radius: 50%; background: #eef1fa; color: var(--be-home-blue); }

/* 1. Hero: tipografía abierta y dos accesos con apariencia de producto financiero. */
.be-ref-hero { position: relative; isolation: isolate; overflow: hidden; padding: 94px 0 104px; background: #f4f7fc; border-bottom: 1px solid #e6ebf3; }
.be-ref-hero::after { content: ''; position: absolute; z-index: -1; pointer-events: none; width: 650px; height: 650px; right: calc(50% - 775px); top: -210px; border: 1px solid #d9e3f2; border-radius: 50%; box-shadow: 0 0 0 65px #eaf0f780, 0 0 0 130px #edf2f74d; }
.be-ref-hero > .be-container { display: grid; grid-template-columns: minmax(0,1.28fr) minmax(0,1fr); align-items: center; gap: 64px; }
.be-fintech-hero__copy { min-width: 0; }
.be-ref-hero .be-eyebrow { display: inline-block; margin: 0 0 22px; padding: 8px 12px; border: 1px solid #ccdbd4; border-radius: 8px; color: #275d47; background: #e7f3ed; font-size: 12px; line-height: 1.4; letter-spacing: .06em; }
.be-ref-hero h1 { margin: 0 0 26px; font-size: clamp(44px,4.8vw,68px); line-height: 1.06; }
.be-ref-hero h1 > span { color: var(--be-home-blue); }
.be-ref-hero__intro { max-width: 480px; margin: 0; color: var(--be-home-muted); font-size: 17px; line-height: 1.7; }
.be-ref-shortcuts { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 16px; margin: 0; padding: 16px 0; }
.be-ref-shortcuts a { position: relative; display: flex; flex-direction: column; align-items: flex-start; justify-content: space-between; gap: 22px; min-width: 0; min-height: 220px; padding: 26px 22px; border: 1px solid #dfe5f0; border-radius: 22px; background: #fff; box-shadow: 0 18px 40px #1d345f0a; font-size: 20px; font-weight: 700; line-height: 1.2; overflow-wrap: anywhere; transition: border-color .2s, box-shadow .2s; }
.be-ref-shortcuts a:nth-child(2) { margin-top: 44px; margin-bottom: -44px; background: var(--be-home-navy); color: #fff; border-color: var(--be-home-navy); }
.be-ref-shortcuts a:hover { border-color: var(--be-home-blue); box-shadow: 0 18px 40px #1d345f18; }
.be-ref-shortcuts__icon { width: 44px; height: 44px; padding: 9px; border-radius: 12px; background: #eef1ff; color: var(--be-home-blue); }
.be-ref-shortcuts a:nth-child(2) .be-ref-shortcuts__icon { background: #29443f; color: #bdecd5; }
.be-ref-shortcuts .be-ref-arrow { width: 30px; height: 30px; padding: 8px; }
.be-ref-shortcuts a:nth-child(2) .be-ref-arrow { background: var(--be-home-mint); color: var(--be-home-navy); }

/* 2. Productos: dos superficies de color, ilustración enmarcada y CTA claro. */
.be-ref-discovery { padding: 78px 0 86px; background: #fff; }
.be-ref-discovery h2 { max-width: 800px; margin: 0 0 38px; font-size: clamp(30px,3.4vw,46px); line-height: 1.15; }
.be-ref-products { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 24px; }
.be-ref-product { min-width: 0; overflow: hidden; border: 1px solid #e0e5f3; border-radius: 24px; background: #f1f4ff; transition: border-color .2s, box-shadow .2s; }
.be-ref-product:nth-child(2) { border-color: #e9e5d8; background: #f9f7ef; }
.be-ref-product:hover { border-color: #a5b5f0; box-shadow: 0 12px 28px #2032500a; }
.be-ref-product__link { display: flex; flex-direction: column; height: 100%; }
.be-ref-product__image { aspect-ratio: 800/310; margin: 16px 16px 0; border-radius: 14px; overflow: hidden; }
.be-ref-product__image--1 { background: #a4b1f4; }
.be-ref-product__image--2 { background: #fcf0bb; }
.be-ref-product__image img { width: 100%; height: 100%; display: block; object-fit: cover; }
.be-ref-product__content { display: flex; flex-direction: column; flex: 1; padding: 28px 30px 30px; }
.be-ref-product h3 { margin: 0 0 14px; font-size: 28px; line-height: 1.2; }
.be-ref-product p { max-width: 440px; margin: 0 0 26px; color: #536174; font-size: 15px; line-height: 1.65; }
.be-ref-product .be-ref-button { margin-top: auto; }
.be-ref-product:nth-child(2) .be-ref-button { background: var(--be-home-navy); }
.be-ref-product:nth-child(2) .be-ref-product__link:hover .be-ref-button { background: #254862; }

/* 3. Biblioteca viva: contador real sobre un panel menta con retratos flotantes. */
.be-ref-trust { background: #f7f9fb; padding: 36px 0; overflow: hidden; }
.be-ref-trust__inner { position: relative; display: flex; justify-content: center; align-items: center; min-height: 390px; padding-block: 72px; border: 1px solid #dce9e2; border-radius: 28px; background: radial-gradient(ellipse at 50% 50%,#fff 0%,#f2faf6 58%,#eaf6ef 100%); }
.be-ref-trust__copy { position: relative; z-index: 1; max-width: 560px; padding: 16px 10px; text-align: center; }
.be-ref-trust h2 { margin: 0 0 18px; font-size: 28px; line-height: 1.2; }
.be-ref-trust__copy > p { margin: 0; font-size: 15px; color: #526c61; line-height: 1.5; }
.be-ref-trust__number { display: block; margin: 6px 0 14px; font-size: clamp(44px,5vw,72px); font-weight: 700; letter-spacing: -.04em; line-height: 1.1; color: var(--be-home-blue); }
.be-ref-trust__copy .be-ref-trust__description { max-width: 440px; margin: 0 auto; font-size: 15px; color: #405449; }
.be-ref-trust__orbits { position: absolute; inset: 0; pointer-events: none; }
.be-ref-portrait { position: absolute; z-index: 1; width: 54px; height: 54px; border-radius: 50%; overflow: hidden; border: 2px solid #fff; box-shadow: 0 3px 12px #17213b12; }
.be-ref-portrait img { display: block; width: 100%; height: 100%; object-fit: cover; }
.be-ref-portrait__photo { display: block; width: 100%; height: 100%; background-image: url('../images/people-bubbles.webp'); background-size: 300% 300%; background-position: var(--be-portrait-position); }
.be-ref-trust--animated .be-ref-portrait { animation: be-portrait-float var(--be-float-duration,8s) ease-in-out var(--be-float-delay,0s) infinite; }
.be-ref-portrait--1 { top: 3%; left: 19%; --be-portrait-position: 0% 0%; --be-float-duration: 9s; --be-float-delay: -2s; }
.be-ref-portrait--2 { top: 0; right: 22%; width: 48px; height: 48px; --be-portrait-position: 50% 0%; --be-float-duration: 11s; --be-float-delay: -6s; }
.be-ref-portrait--3 { top: 21%; right: 5%; width: 36px; height: 36px; --be-portrait-position: 100% 0%; --be-float-duration: 8s; --be-float-delay: -3s; }
.be-ref-portrait--4 { top: 51%; left: 4%; width: 60px; height: 60px; --be-portrait-position: 0% 50%; --be-float-duration: 10s; --be-float-delay: -7s; }
.be-ref-portrait--5 { top: 46%; right: 20%; width: 34px; height: 34px; --be-portrait-position: 50% 50%; --be-float-duration: 12s; --be-float-delay: -4s; }
.be-ref-portrait--6 { top: 61%; right: 2%; width: 64px; height: 64px; --be-portrait-position: 100% 50%; --be-float-duration: 9.5s; --be-float-delay: -1s; }
.be-ref-portrait--7 { bottom: 3%; left: 28%; width: 48px; height: 48px; --be-portrait-position: 0% 100%; --be-float-duration: 10.5s; --be-float-delay: -5s; }
.be-ref-portrait--8 { bottom: 0; right: 28%; width: 34px; height: 34px; --be-portrait-position: 50% 100%; --be-float-duration: 8.5s; --be-float-delay: -2.5s; }
@keyframes be-portrait-float {
 0%, 100% { transform: translate3d(0,0,0); }
 35% { transform: translate3d(6px,-12px,0); }
 70% { transform: translate3d(-5px,7px,0); }
}

.be-ref-orbit { position: absolute; width: 200px; height: 200px; border: 1px dashed #cfdfd6; border-radius: 50%; opacity: .7; }
.be-ref-orbit--one { left: 0; bottom: 7%; }
.be-ref-orbit--two { right: 0; top: 5%; width: 150px; height: 150px; }

/* 4. Actualidad: pieza principal oscura y lista editorial numerada. */
.be-ref-news { padding: 76px 0 82px; background: #fff; }
.be-ref-section-title { margin: 0 0 38px; padding-bottom: 28px; border-bottom: 1px solid var(--be-home-line); font-size: clamp(30px,3.4vw,46px); line-height: 1.14; text-align: left; }
.be-ref-section-title > span { color: var(--be-home-blue); }
.be-ref-news__grid { display: grid; grid-template-columns: minmax(0,1.08fr) minmax(0,1fr); gap: 42px; align-items: start; }
.be-ref-news__feature { min-width: 0; padding: 16px 16px 26px; border-radius: 24px; background: var(--be-home-navy); color: #fff; }
.be-ref-news__image { aspect-ratio: 16/9; overflow: hidden; background: #e9edf6; border-radius: 14px; }
.be-ref-news__image img { display: block; width: 100%; height: 100%; object-fit: cover; }
.be-ref-news__feature h3 { margin: 24px 12px 14px; font-size: 27px; line-height: 1.22; }
.be-ref-news__feature p { margin: 0 12px; font-size: 15px; line-height: 1.65; color: #ced8e6; }
.be-ref-news__feature a:hover h3 { text-decoration: underline; text-underline-offset: 4px; }
.be-ref-news__list { min-width: 0; counter-reset: news; }
.be-ref-brief { position: relative; padding: 22px 0 22px 42px; border-bottom: 1px solid var(--be-home-line); counter-increment: news; }
.be-ref-brief:first-child { padding-top: 4px; }
.be-ref-brief::before { content: '0' counter(news); position: absolute; left: 0; top: 24px; color: #5c7293; font-size: 12px; font-weight: 700; letter-spacing: .04em; }
.be-ref-brief:first-child::before { top: 6px; }
.be-ref-brief > a { position: relative; display: block; padding-right: 34px; }
.be-ref-brief h3 { margin: 0 0 10px; font-size: 20px; line-height: 1.3; }
.be-ref-brief p { margin: 0 0 14px; font-size: 13px; line-height: 1.55; color: var(--be-home-muted); }
.be-ref-brief .be-ref-arrow { position: absolute; right: 0; top: 0; width: 27px; height: 27px; padding: 7px; }
.be-ref-brief a:hover h3 { color: var(--be-home-blue); }
.be-home-author { display: flex; align-items: center; gap: 9px; font-size: 12px; line-height: 1.35; color: #627185; }
.be-home-author img { width: 28px; height: 28px; flex: 0 0 28px; object-fit: cover; border-radius: 50%; }
.be-ref-news__cta { margin-top: 34px; text-align: right; }
.be-ref-news__cta .be-ref-button { background: #fff; color: var(--be-home-navy); border-color: #b9c5d3; }
.be-ref-news__cta .be-ref-button:hover { color: var(--be-home-blue); background: #f4f6ff; border-color: var(--be-home-blue); }

/* 5. Criterios: panel azul profundo y tres pasos legibles. */
.be-ref-principles { padding: 72px 0; background: #14283f; color: #fff; }
.be-ref-principles__inner { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1.1fr); gap: 76px; align-items: center; }
.be-ref-target { width: 56px; height: 56px; padding: 12px; border: 1px solid #48605b; border-radius: 15px; margin-bottom: 28px; color: #bdecd5; background: #243f42; }
.be-ref-principles h2 { margin: 0; font-size: clamp(34px,3.5vw,48px); line-height: 1.12; }
.be-ref-principles h2 span { color: #bdecd5; }
.be-ref-principles__list { counter-reset: principles; }
.be-ref-principles__list > div { position: relative; counter-increment: principles; padding: 22px 24px 22px 66px; border: 1px solid #374c63; border-radius: 16px; background: #1b314b; }
.be-ref-principles__list > div::before { content: '0' counter(principles); position: absolute; top: 27px; left: 23px; color: #bdecd5; font-size: 13px; font-weight: 700; }
.be-ref-principles__list > div + div { margin-top: 14px; }
.be-ref-principles h3 { margin: 0 0 9px; font-size: 21px; line-height: 1.3; }
.be-ref-principles p { margin: 0; color: #d3ddea; font-size: 14px; line-height: 1.65; }

/* 6. Guías: selector segmentado y fichas horizontales con miniatura. */
.be-ref-guides { padding: 72px 0 84px; background: #f5f7fb; color: var(--be-home-navy); }
.be-fintech-library-title { margin: 0 0 24px; font-size: clamp(30px,3.2vw,42px); line-height: 1.15; }
.be-ref-tabs { display: none; gap: 6px; width: fit-content; max-width: 100%; padding: 5px; margin: 0 0 32px; border: 1px solid #dce3ed; border-radius: 14px; background: #e9eef5; }
.be-home--enhanced .be-ref-tabs { display: flex; flex-wrap: wrap; }
.be-ref-tabs button { appearance: none; max-width: 100%; min-height: 44px; border: 1px solid transparent; border-radius: 10px; background: transparent; padding: 11px 22px; color: #56657a; font: inherit; font-size: 14px; line-height: 1.4; font-weight: 700; cursor: pointer; text-align: left; overflow-wrap: anywhere; }
.be-ref-tabs button[aria-selected='true'] { color: #fff; background: var(--be-home-navy); border-color: var(--be-home-navy); }
.be-ref-tabs button:hover { color: var(--be-home-blue); background: #fff; }
.be-ref-tabs button[aria-selected='true']:hover { color: #fff; background: #254862; }
.be-ref-guide-panel { margin-bottom: 30px; }
.be-home--enhanced .be-ref-guide-panel { margin-bottom: 0; }
.be-ref-guide-panel[hidden] { display: none !important; }
.be-home--enhanced .be-ref-panel-heading { display: none; }
.be-ref-panel-heading { font-size: 23px; }
.be-ref-guide-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; }
.be-ref-guide { min-width: 0; padding: 18px; border: 1px solid #dfe5ed; border-radius: 18px; background: #fff; transition: border-color .2s; }
.be-ref-guide:hover { border-color: #9bade1; }
.be-ref-guide > a { position: relative; display: grid; grid-template-columns: 118px minmax(0,1fr); gap: 18px; padding-right: 28px; height: 100%; }
.be-ref-guide__image { min-width: 0; align-self: start; aspect-ratio: 1; border-radius: 10px; overflow: hidden; background: #edf0f7; }
.be-ref-guide__image img { width: 100%; height: 100%; object-fit: cover; display: block; }
.be-ref-guide h4 { margin: 0 0 9px; font-size: 17px; line-height: 1.3; }
.be-ref-guide__copy { min-width: 0; }
.be-ref-guide__copy > p { margin: 0 0 13px; color: var(--be-home-muted); font-size: 12px; line-height: 1.5; }
.be-ref-guide .be-ref-arrow { position: absolute; right: 0; top: 0; width: 25px; height: 25px; padding: 7px; }
.be-ref-guide .be-home-author { font-size: 11px; }
.be-ref-empty { grid-column: 1/-1; margin: 0; padding: 30px 20px; border: 1px dashed #c3cddd; border-radius: 16px; color: var(--be-home-muted); text-align: center; line-height: 1.6; }

@media (max-width: 1024px) {
 .be-ref-hero { padding: 70px 0 82px; }
 .be-ref-hero > .be-container { gap: 36px; grid-template-columns: minmax(0,1.25fr) minmax(0,1fr); }
 .be-ref-shortcuts { gap: 12px; }
 .be-ref-shortcuts a { padding: 22px 16px; font-size: 17px; min-height: 208px; }
 .be-ref-portrait--3 { right: 2%; }
 .be-ref-portrait--4 { left: 2%; }
 .be-ref-portrait--5 { right: 4%; }
 .be-ref-portrait--6 { right: 1%; }
 .be-ref-news__grid { gap: 28px; }
 .be-ref-principles__inner { gap: 36px; }
 .be-ref-guide > a { grid-template-columns: 88px minmax(0,1fr); gap: 14px; }
 .be-ref-guide h4 { font-size: 16px; }
}
@media (max-width: 800px) {
 .be-ref-hero > .be-container { grid-template-columns: 1fr; gap: 32px; }
 .be-ref-hero { padding: 56px 0 64px; }
 .be-ref-hero h1 { max-width: 650px; font-size: clamp(42px,7.5vw,60px); }
 .be-ref-hero__intro { max-width: 600px; }
 .be-ref-shortcuts { max-width: 580px; padding: 0; }
 .be-ref-shortcuts a { min-height: 160px; display: grid; grid-template-columns: minmax(0,1fr) 30px; gap: 18px; padding: 20px; font-size: 19px; }
 .be-ref-shortcuts__icon { grid-column: 1; grid-row: 1; }
 .be-ref-shortcuts a > span:nth-child(2) { grid-column: 1/-1; grid-row: 2; }
 .be-ref-shortcuts .be-ref-arrow { grid-column: 2; grid-row: 1; justify-self: end; }
 .be-ref-shortcuts a:nth-child(2) { margin: 0; }
 .be-ref-discovery, .be-ref-news, .be-ref-guides { padding: 54px 0; }
 .be-ref-principles__inner { grid-template-columns: 1fr; gap: 32px; }
 .be-ref-principles { padding: 54px 0; }
 .be-ref-principles__heading { max-width: 600px; }
 .be-ref-guide-grid { grid-template-columns: 1fr; }
 .be-ref-guide > a { grid-template-columns: 118px minmax(0,1fr); }
 .be-ref-news__grid { grid-template-columns: 1fr; }
 .be-ref-news__feature h3 { font-size: 25px; }
 .be-ref-news__image { aspect-ratio: 2; }
 .be-ref-news__cta { text-align: left; }
}
@media (max-width: 720px) {
 .be-home--reference .be-container { width: calc(100% - 36px); }
 .be-ref-hero__intro { font-size: 16px; }
 .be-ref-discovery h2, .be-ref-section-title { margin-bottom: 28px; font-size: 34px; }
 .be-ref-products { gap: 16px; }
 .be-ref-product__content { padding: 22px; }
 .be-ref-product h3 { font-size: 24px; }
 .be-ref-product p { font-size: 14px; }
 .be-ref-trust { padding: 24px 0; }
 .be-ref-trust__inner { min-height: 370px; padding-block: 70px; border-radius: 22px; }
 .be-ref-trust__copy { max-width: 75%; }
 .be-ref-trust h2 { font-size: 22px; }
 .be-ref-trust__number { font-size: clamp(30px,8vw,44px); }
 .be-ref-trust__copy > p, .be-ref-trust__copy .be-ref-trust__description { font-size: 13px; }
 .be-ref-portrait { width: 36px; height: 36px; }
 .be-ref-portrait--1 { top: 2%; left: 18%; }
 .be-ref-portrait--2 { top: 0; right: 18%; }
 .be-ref-portrait--3 { right: 0; top: 28%; width: 28px; height: 28px; }
 .be-ref-portrait--4 { left: 0; top: 48%; width: 38px; height: 38px; }
 .be-ref-portrait--5 { right: 0; top: 54%; width: 28px; height: 28px; }
 .be-ref-portrait--6 { top: auto; right: 4%; bottom: 3%; width: 42px; height: 42px; }
 .be-ref-portrait--7 { left: 16%; bottom: 0; }
 .be-ref-portrait--8 { right: 37%; bottom: 2%; width: 28px; height: 28px; }
 .be-ref-orbit { width: 100px; height: 100px; }
 .be-ref-target { margin-bottom: 22px; }
 .be-ref-principles h2 { font-size: 36px; }
}
@media (max-width: 560px) {
 .be-ref-hero { padding: 42px 0 46px; }
 .be-ref-hero h1 { font-size: clamp(39px,10.3vw,55px); }
 .be-ref-shortcuts { gap: 12px; }
 .be-ref-shortcuts a { padding: 18px 14px; font-size: 17px; min-height: 162px; }
 .be-ref-shortcuts .be-ref-arrow { width: 28px; height: 28px; }
 .be-ref-products { grid-template-columns: 1fr; gap: 22px; }
 .be-ref-discovery h2, .be-ref-section-title { font-size: 31px; }
 .be-ref-product { border-radius: 20px; }
 .be-ref-product__image { margin: 12px 12px 0; }
 .be-ref-news__feature { padding: 12px 12px 24px; border-radius: 20px; }
 .be-ref-news__feature h3, .be-ref-news__feature p { margin-left: 10px; margin-right: 10px; }
 .be-ref-brief { padding-left: 30px; }
 .be-ref-brief h3 { font-size: 19px; }
 .be-ref-principles__list > div { padding: 20px 18px 20px 54px; }
 .be-ref-principles__list > div::before { left: 18px; top: 25px; }
 .be-ref-principles h3 { font-size: 20px; }
 .be-ref-tabs { width: 100%; }
 .be-ref-tabs button { flex: 1 1 120px; padding: 11px 12px; text-align: center; }
 .be-ref-guide { padding: 14px; }
 .be-ref-guide > a { grid-template-columns: 84px minmax(0,1fr); gap: 12px; padding-right: 0; }
 .be-ref-guide h4 { padding-right: 27px; font-size: 16px; }
 .be-ref-guide .be-ref-arrow { width: 23px; height: 23px; padding: 6px; }
}
@media (max-width: 360px) {
 .be-ref-shortcuts a { font-size: 16px; gap: 16px 8px; padding: 16px 12px; grid-template-columns: minmax(0,1fr) 25px; }
 .be-ref-shortcuts .be-ref-arrow { width: 25px; height: 25px; padding: 7px; }
 .be-ref-trust__number { font-size: 26px; }
 .be-ref-guide > a { grid-template-columns: 68px minmax(0,1fr); }
}
@media (prefers-reduced-motion: reduce) {
 .be-home--reference *, .be-home--reference *::before, .be-home--reference *::after { transition: none !important; }
 .be-ref-trust--animated .be-ref-portrait { animation: none; transform: none; }
}