:root {
  --rz-bg: #eef7fb;
  --rz-surface: rgba(255, 255, 255, 0.84);
  --rz-surface-strong: rgba(255, 255, 255, 0.94);
  --rz-border: rgba(17, 58, 102, 0.14);
  --rz-text: #1d3557;
  --rz-muted: #5e7890;
  --rz-accent: #1db6c4;
  --rz-accent-strong: #113a66;
  --rz-accent-soft: rgba(29, 182, 196, 0.12);
  --rz-success: #1d4f78;
  --rz-gold: #d8b04d;
  --rz-shadow: 0 24px 54px rgba(17, 58, 102, 0.08);
  --rz-radius-xl: 28px;
  --rz-radius-lg: 18px;
  --rz-radius-md: 12px;
  --rz-content-width: 1080px;
  --rz-font-heading: "Inter", "Segoe UI", Arial, Helvetica, sans-serif;
  --rz-font-body: "Inter", "Segoe UI", Arial, Helvetica, sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  color-scheme: light;
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body {
  margin: 0;
  font-family: var(--rz-font-body);
  color: var(--rz-text);
  background:
    radial-gradient(circle at top left, rgba(43, 199, 214, 0.18), transparent 28%),
    radial-gradient(circle at top right, rgba(216, 176, 77, 0.12), transparent 22%),
    linear-gradient(180deg, #f5fbfe 0%, #eef7fb 42%, #f9fcfd 100%);
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body.rz-guide-page {
  min-height: 100vh;
  overflow-x: hidden;
}

.rz-shell {
  width: min(calc(100% - 40px), var(--rz-content-width));
  max-width: 100%;
  margin: 0 auto;
  padding: 20px 0 64px;
}

.rz-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 24px;
  align-items: start;
  min-width: 0;
  max-width: 100%;
}

.rz-sidebar {
  display: grid;
  gap: 16px;
  position: sticky;
  top: 16px;
}

.rz-sidebarCard {
  display: grid;
  gap: 14px;
  padding: 16px;
  border: 1px solid var(--rz-border);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.78);
  box-shadow: 0 10px 30px rgba(17, 58, 102, 0.06);
  backdrop-filter: blur(8px);
}

.rz-sidebarSectionLabel {
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--rz-muted);
}

.rz-sidebarCopy {
  color: var(--rz-muted);
  line-height: 1.65;
  font-size: 0.95rem;
}

.rz-brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  color: inherit;
  min-width: 0;
}

.rz-brand img {
  width: 56px;
  height: 56px;
  object-fit: cover;
  border-radius: 16px;
  border: 1px solid rgba(29, 182, 196, 0.18);
  box-shadow: 0 10px 22px rgba(17, 58, 102, 0.12);
}

.rz-brand-copy {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.rz-brand-label {
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--rz-muted);
  font-weight: 800;
}

.rz-brand-name {
  font-family: var(--rz-font-heading);
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--rz-accent-strong);
}

.rz-lang-switch {
  display: flex;
  align-items: center;
  gap: 8px;
  align-items: center;
}

.rz-langLabel {
  font-size: 11px;
  color: var(--rz-muted);
  font-weight: 700;
}

.rz-langToggle {
  display: inline-flex;
  align-items: center;
  padding: 2px;
  border-radius: 999px;
  border: 1px solid rgba(17, 58, 102, 0.12);
  background: rgba(255, 255, 255, 0.72);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.7);
}

.rz-langBtn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 38px;
  height: 28px;
  padding: 0 10px;
  border-radius: 999px;
  text-decoration: none;
  color: var(--rz-muted);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.03em;
  background: transparent;
}

.rz-langBtn.is-active {
  background: linear-gradient(135deg, var(--rz-accent-strong), var(--rz-accent));
  color: #fff;
  box-shadow: 0 8px 16px rgba(17, 58, 102, 0.14);
}

.rz-article {
  display: grid;
  gap: 28px;
  min-width: 0;
  max-width: 100%;
}

.rz-section,
.rz-meta-card {
  background: var(--rz-surface);
  border: 1px solid var(--rz-border);
  border-radius: var(--rz-radius-xl);
  box-shadow: var(--rz-shadow);
  backdrop-filter: blur(8px);
}

.rz-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #4b9ba2;
  padding: 8px 14px;
  border-radius: 999px;
  border: 1px solid rgba(17, 58, 102, 0.12);
  background: rgba(255, 255, 255, 0.78);
}

.rz-title {
  margin: 0;
  font-family: var(--rz-font-heading);
  font-size: clamp(1.7rem, 3.4vw, 2.65rem);
  line-height: 1.02;
  letter-spacing: -0.04em;
  color: var(--rz-accent-strong);
  max-width: none;
}

.rz-subtitle {
  margin: 16px 0 0;
  max-width: 82ch;
  font-size: 1.04rem;
  line-height: 1.7;
  color: var(--rz-muted);
}

.rz-article-meta {
  margin-top: 10px;
  font-size: 0.84rem;
  color: var(--rz-muted);
  letter-spacing: 0.01em;
}

.rz-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr;
  gap: 24px;
}

.rz-grid-single {
  grid-template-columns: 1fr;
}

.rz-section {
  padding: 24px;
  min-width: 0;
  max-width: 100%;
}

.rz-articleIntro {
  display: grid;
  gap: 0;
  margin-bottom: 28px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--rz-border);
}

.rz-section h2 {
  margin: 0 0 12px;
  padding-left: 14px;
  border-left: 5px solid rgba(17, 58, 102, 0.82);
  font-family: var(--rz-font-heading);
  font-size: 1.7rem;
  letter-spacing: -0.03em;
  color: var(--rz-accent-strong);
}

.rz-section p,
.rz-section li {
  color: var(--rz-text);
  line-height: 1.72;
  font-size: 0.99rem;
}

.rz-section p + p {
  margin-top: 14px;
}

.rz-section img {
  max-width: 100%;
  height: auto;
}

.rz-section ul {
  margin: 0px 0 0;
  padding-left: 20px;
}

.rz-section p + ul,
.rz-section p + ol {
  margin-top: -4px;
}

.rz-section ul + p,
.rz-section ol + p,
.rz-section ul + .rz-figure,
.rz-section ol + .rz-figure {
  margin-top: 8px;
}

.rz-section ul + h2,
.rz-section ul + h3 {
  margin-top: 24px;
}

.rz-section .rz-lead-media {
  margin: 0 0 24px;
}

.rz-section .rz-figure {
  margin: 0 0 24px;
}

.rz-section .rz-figure img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 20px;
  border: 1px solid rgba(17, 58, 102, 0.22);
  box-shadow: 0 16px 30px rgba(17, 58, 102, 0.12);
  background: rgba(255, 255, 255, 0.9);
  cursor: zoom-in;
}

.rz-section .rz-figure--original-size {
  text-align: center;
}

.rz-section .rz-figure--original-size img {
  width: auto;
  max-width: 100%;
  margin: 0 auto;
}

.rz-section .rz-figure img[src*="FICO_score_contributing_factors.webp"] {
  width: auto !important;
  height: auto !important;
  max-width: 100% !important;
  max-height: none !important;
  margin: 0 auto !important;
}

.rz-section .rz-figure img[src*="DENFCO202608250903points.webp"] {
  width: min(32%, 240px);
  margin: 0 auto;
}

.rz-section .rz-lead-media img {
  display: block;
  width: 100%;
  max-width: none;
  height: auto;
  max-height: 350px;
  object-fit: cover;
}

.rz-section .rz-lead-media--natural {
  display: block;
  text-align: center;
}

.rz-section .rz-lead-media--natural img {
  width: auto;
  height: auto;
  max-width: 100%;
  max-height: none;
  object-fit: contain;
  margin: 0 auto;
}

.rz-section .rz-figure figcaption {
  margin-top: 6px;
  font-size: 0.82rem;
  line-height: 1.55;
  color: var(--rz-muted);
  text-align: center;
}

.rz-lightbox {
  width: min(96vw, 1280px);
  max-width: 1280px;
  padding: 18px;
  border: 0;
  border-radius: 24px;
  background: transparent;
  box-shadow: none;
  overflow: visible;
}

.rz-lightbox::backdrop {
  background: rgba(8, 15, 26, 0.72);
  backdrop-filter: blur(6px);
}

.rz-lightbox-image {
  display: block;
  width: auto;
  max-width: 100%;
  max-height: calc(100vh - 120px);
  margin: 0 auto;
  border-radius: 16px;
  border: 0;
  background: transparent;
}

.rz-lightbox-close {
  position: absolute;
  top: 8px;
  right: 8px;
  width: 40px;
  height: 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(8, 15, 26, 0.72);
  color: #fff;
  font: inherit;
  font-size: 24px;
  line-height: 1;
  cursor: pointer;
}

.rz-table-wrap {
  width: 100%;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 20px auto 0;
  position: relative;
  display: flex;
  justify-content: center;
}

.rz-section > .rz-table-wrap {
  width: calc(100% + 20px);
  max-width: calc(100% + 20px);
  margin-left: -10px;
  margin-right: -10px;
}

.rz-table-wrap + h2,
.rz-table-wrap + h3 {
  margin-top: 24px;
}

.rz-table {
  width: max-content;
  max-width: 100%;
  border-collapse: collapse;
  min-width: 0;
  background: rgba(255, 255, 255, 0.65);
  border: 1px solid var(--rz-border);
  border-radius: var(--rz-radius-md);
  overflow: hidden;
}

.rz-table th,
.rz-table td {
  padding: 6px 7px;
  border-bottom: 1px solid var(--rz-border);
  border-right: 1px solid var(--rz-border);
  text-align: left;
  vertical-align: top;
  line-height: 1.55;
}

.rz-table th:last-child,
.rz-table td:last-child {
  border-right: none;
}

.rz-table td.rz-table-section {
  font-weight: 800;
  color: var(--rz-accent-strong);
  background: rgba(29, 182, 196, 0.02);
  border-right: none;
}

.rz-table th {
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--rz-muted);
  background: rgba(29, 182, 196, 0.08);
}

.rz-table td img {
  display: block;
  width: 42px;
  height: 42px;
  object-fit: contain;
}

.rz-table:not(.rz-table--gallery) td:first-child img {
  width: 96px;
  height: 60px;
}

.rz-table-list {
  margin: 0;
  padding-left: 16px;
}

.rz-table-list li + li {
  margin-top: 4px;
}

.rz-table--gallery {
  min-width: 0;
  table-layout: fixed;
  background: transparent;
  border: none;
}

.rz-table--gallery td {
  padding: 0 8px 0 0;
  border-bottom: none;
}

.rz-table--gallery td:last-child {
  padding-right: 0;
}

.rz-table--gallery td img {
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: 16px;
  border: 1px solid var(--rz-border);
  box-shadow: 0 10px 26px rgba(17, 58, 102, 0.08);
}

.rz-table tbody tr:last-child td {
  border-bottom: none;
}

.rz-meta-card {
  padding: 22px;
}

.rz-meta-card h3 {
  margin: 0 0 12px;
  font-size: 1rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--rz-muted);
}

.rz-meta-list {
  display: grid;
  gap: 14px;
}

.rz-meta-row {
  display: grid;
  gap: 4px;
}

.rz-meta-label {
  color: var(--rz-muted);
  font-size: 0.9rem;
}

.rz-meta-value {
  font-weight: 700;
}

a.rz-meta-value,
a.rz-meta-value:visited {
  color: var(--rz-accent-strong);
  text-decoration: none;
  font-size: 0.94rem;
  font-weight: 500;
}

a.rz-meta-value:hover {
  color: var(--rz-accent);
}

.rz-callout {
  padding: 16px 18px;
  border-radius: var(--rz-radius-lg);
  background: rgba(29, 182, 196, 0.08);
  border: 1px solid rgba(29, 182, 196, 0.18);
}

.rz-footer-note {
  margin-top: 10px;
  font-size: 0.92rem;
  color: var(--rz-muted);
}

.rz-section details,
.rz-faq-card details {
  margin-top: 14px;
  border: 1px solid var(--rz-border);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.7);
  overflow: hidden;
}

.rz-section summary,
.rz-faq-card summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  font-weight: 700;
  color: var(--rz-accent-strong);
  position: relative;
}

.rz-section summary::-webkit-details-marker,
.rz-faq-card summary::-webkit-details-marker {
  display: none;
}

.rz-section summary::after,
.rz-faq-card summary::after {
  content: "+";
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.1rem;
  color: var(--rz-muted);
}

.rz-section details[open] summary::after,
.rz-faq-card details[open] summary::after {
  content: "-";
}

.rz-section details p,
.rz-faq-card details p {
  margin: 0;
  padding: 0 18px 16px;
  line-height: 1.72;
}

.rz-guide-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

.rz-guide-card {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 20px;
  align-items: start;
  padding: 24px;
  background: var(--rz-surface);
  border: 1px solid var(--rz-border);
  border-radius: var(--rz-radius-xl);
  box-shadow: var(--rz-shadow);
  backdrop-filter: blur(8px);
  transition: transform 140ms ease, box-shadow 140ms ease, border-color 140ms ease;
}

.rz-guide-card:hover {
  transform: translateY(-2px);
  border-color: rgba(29, 182, 196, 0.2);
  box-shadow: 0 18px 44px rgba(17, 58, 102, 0.1);
}

.rz-guide-card-media {
  display: block;
  text-decoration: none;
}

.rz-guide-card-media img {
  display: block;
  width: 100%;
  height: 180px;
  object-fit: cover;
  border-radius: 18px;
  border: 1px solid var(--rz-border);
}

.rz-guide-card-body {
  display: grid;
  gap: 10px;
  min-width: 0;
}

.rz-card-eyebrow {
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #4b9ba2;
}

.rz-guide-card h2 {
  margin: 0;
  font-family: var(--rz-font-heading);
  font-size: 1.5rem;
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: var(--rz-accent-strong);
}

.rz-guide-card h2 a {
  color: inherit;
  text-decoration: none;
}

.rz-guide-card h2 a:hover {
  color: var(--rz-accent);
}

.rz-guide-card p {
  margin: 0;
  color: var(--rz-muted);
  line-height: 1.65;
}

.rz-card-meta {
  color: var(--rz-muted);
  font-size: 0.84rem;
  line-height: 1.4;
}

.rz-filter-bar {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr) auto;
  gap: 14px;
  margin-top: 24px;
}

.rz-search-field {
  display: grid;
  gap: 8px;
  font-size: 0.92rem;
  color: var(--rz-muted);
}

.rz-search-field input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--rz-border);
  border-radius: var(--rz-radius-md);
  background: rgba(255, 255, 255, 0.82);
  color: var(--rz-text);
  font: inherit;
}

.rz-filter-clear {
  align-self: end;
  padding: 12px 16px;
  border: 1px solid rgba(29, 182, 196, 0.24);
  border-radius: var(--rz-radius-md);
  background: linear-gradient(135deg, var(--rz-accent-strong), var(--rz-accent));
  color: #fff;
  font: inherit;
  cursor: pointer;
  font-weight: 700;
  box-shadow: 0 10px 20px rgba(17, 58, 102, 0.12);
}

.rz-filter-clear:hover {
  filter: brightness(1.03);
}

.rz-empty-state {
  margin: 0;
  padding: 18px 20px;
  border: 1px dashed var(--rz-border);
  border-radius: var(--rz-radius-lg);
  color: var(--rz-muted);
  background: rgba(255, 255, 255, 0.5);
}

@media (max-width: 860px) {
  .rz-shell {
    width: min(calc(100% - 16px), var(--rz-content-width));
    padding-top: 16px;
  }

  .rz-layout {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .rz-grid {
    grid-template-columns: 1fr;
  }

  .rz-guide-grid {
    grid-template-columns: 1fr;
  }

  .rz-guide-card {
    grid-template-columns: 1fr;
  }

  .rz-guide-card-media img {
    height: auto;
    aspect-ratio: 16 / 9;
  }

  .rz-filter-bar {
    grid-template-columns: 1fr;
  }

  .rz-sidebar {
    position: static;
  }

  .rz-title {
    font-size: clamp(1.45rem, 7vw, 1.95rem);
    line-height: 1.12;
    letter-spacing: -0.02em;
  }

  .rz-subtitle {
    font-size: 1rem;
    line-height: 1.6;
    margin-top: 12px;
  }

  .rz-article-meta {
    margin-top: 8px;
    font-size: 0.8rem;
  }

  .rz-section h2 {
    font-size: 1.35rem;
    line-height: 1.2;
    margin-bottom: 10px;
  }

  .rz-section p,
  .rz-section li {
    font-size: 1.04rem;
    line-height: 1.74;
  }

  .rz-table {
    min-width: 0;
    width: max-content;
    max-width: 100%;
    table-layout: auto;
  }

  .rz-section > .rz-table-wrap {
    width: 100%;
    max-width: 100%;
    margin-left: 0;
    margin-right: 0;
  }

  .rz-table th,
  .rz-table td {
    padding: 10px 11px;
    font-size: 0.94rem;
    white-space: normal;
    word-break: break-word;
    overflow-wrap: anywhere;
  }

  .rz-table--gallery td {
    display: block;
    width: 100%;
    padding: 0 0 10px;
  }

  .rz-section,
  .rz-meta-card {
    padding: 16px;
    border-radius: 18px;
  }
}

@media (max-width: 390px) {
  .rz-shell {
    width: calc(100% - 12px);
    padding-top: 12px;
    padding-bottom: 36px;
  }

  .rz-sidebar {
    gap: 10px;
  }

  .rz-sidebarCard {
    padding: 12px;
    border-radius: 16px;
  }

  .rz-brand img {
    width: 46px;
    height: 46px;
    border-radius: 12px;
  }

  .rz-brand-name {
    font-size: 1.14rem;
    letter-spacing: -0.02em;
  }

  .rz-title {
    font-size: clamp(1.28rem, 8vw, 1.65rem);
    line-height: 1.16;
    letter-spacing: -0.015em;
  }

  .rz-subtitle {
    font-size: 0.98rem;
    line-height: 1.58;
  }

  .rz-section h2 {
    font-size: 1.2rem;
    line-height: 1.24;
  }

  .rz-section p,
  .rz-section li {
    font-size: 1.02rem;
    line-height: 1.72;
  }

  .rz-eyebrow,
  .rz-card-eyebrow {
    font-size: 0.68rem;
    letter-spacing: 0.1em;
  }

  .rz-section,
  .rz-meta-card,
  .rz-guide-card {
    padding: 12px;
    border-radius: 14px;
  }

  .rz-guide-card {
    gap: 12px;
  }

  .rz-guide-card h2 {
    font-size: 1.22rem;
    line-height: 1.14;
  }

  .rz-guide-card p {
    font-size: 0.98rem;
    line-height: 1.56;
  }

  .rz-search-field input {
    font-size: 16px;
    padding: 11px 12px;
  }

  .rz-filter-clear {
    padding: 10px 12px;
    font-size: 0.95rem;
  }

  .rz-table th,
  .rz-table td {
    padding: 9px 10px;
    font-size: 0.92rem;
    line-height: 1.45;
  }
}

@media (max-width: 900px) and (orientation: portrait) {
  .rz-table-wrap {
    display: block;
    overflow-x: auto;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    padding-bottom: 4px;
  }

  .rz-table-wrap::after {
    content: "Swipe →";
    position: absolute;
    top: 10px;
    right: 8px;
    min-width: 72px;
    height: 28px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(17, 58, 102, 0.12);
    color: var(--rz-muted);
    font-size: 0.8rem;
    font-weight: 800;
    letter-spacing: 0.02em;
    box-shadow: 0 8px 18px rgba(17, 58, 102, 0.08);
    pointer-events: none;
    z-index: 2;
  }

  html[lang="es"] .rz-table-wrap::after {
    content: "Desliza →";
  }

  .rz-section > .rz-table-wrap {
    width: 100%;
    max-width: 100%;
    margin-left: 0;
    margin-right: 0;
  }

  .rz-table {
    display: table;
    width: max-content;
    min-width: 640px;
    max-width: none;
    margin-left: 0;
    margin-right: 0;
    table-layout: auto;
  }

  .rz-table th {
    width: 120px;
    max-width: 120px;
    white-space: normal;
    word-break: normal;
    overflow-wrap: break-word;
    hyphens: auto;
  }

  .rz-table th,
  .rz-table td {
    padding: 8px 9px;
    word-break: normal;
    overflow-wrap: break-word;
  }

  .rz-table td {
    width: 1%;
    white-space: nowrap;
  }

  .rz-table--gallery {
    width: 100%;
    min-width: 0;
    table-layout: fixed;
  }

  .rz-table--gallery td {
    white-space: normal;
  }

  .rz-table-wrap:has(.rz-table--gallery)::after {
    display: none;
  }
}