:root{
  --navy:#123047;--navy2:#0c2436;--teal:#1C6970;--teal2:#14555b;--tealsoft:#EAF4F2;
  --gold:#C5A15A;--wine:#7A2335;--ivory:#FAF7F2;--paper:#ffffff;
  --ink:#22313D;--muted:#5E6E78;--line:#E3E8EA;
  --r:14px;--shadow:0 18px 40px -24px rgba(18,48,71,.35);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Lato',system-ui,sans-serif;font-weight:300;color:var(--ink);background:var(--ivory);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
p,li,.j{text-align:justify;hyphens:auto;-webkit-hyphens:auto}
strong,b{font-weight:700}
.shell{width:min(1160px,100% - 40px);margin-inline:auto}
.eyebrow{font-size:12.5px;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--teal);display:flex;align-items:center;gap:12px}
.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}
h1,h2,h3{font-weight:300;color:var(--navy);line-height:1.12;letter-spacing:-.01em}
h1{font-size:clamp(40px,6vw,68px)}
h2{font-size:clamp(30px,4vw,44px)}
h3{font-size:20px;font-weight:700;line-height:1.3}
h1 b,h2 b{font-weight:900}
h1 em,h2 em{font-style:normal;color:var(--teal);font-weight:700}
.lead{font-size:19px;color:var(--muted);max-width:620px}
section{padding:96px 0}
.sec-head{max-width:760px;margin-bottom:48px}
.sec-head h2{margin:14px 0 16px}
.sec-head p{color:var(--muted)}

/* Botones */
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:15.5px;padding:15px 26px;border-radius:999px;transition:.2s;cursor:pointer;border:0;font-family:inherit}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal2);transform:translateY(-1px)}
.btn-ghost{color:var(--navy);border:1.5px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--gold);color:var(--navy)}
.wa-ico{width:18px;height:18px;fill:currentColor}

/* Barra superior */
.top{position:sticky;top:0;z-index:50;background:rgba(250,247,242,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.top .shell{display:flex;align-items:center;justify-content:space-between;height:74px;gap:18px}
.brand{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:.14em;color:var(--navy);font-size:14.5px;white-space:nowrap}
.mark{width:40px;height:42px;overflow:hidden;position:relative;flex:none}
.mark img{position:absolute;width:87px;max-width:none;left:-23.6px;top:-14.3px;mix-blend-mode:multiply}
.menu{display:flex;align-items:center;gap:28px;font-size:15px;font-weight:400}
.menu a:not(.btn):hover{color:var(--teal)}
.menu .btn{padding:11px 20px;font-size:14.5px}
.div-switch{display:flex;background:#fff;border:1px solid var(--line);border-radius:999px;padding:4px;font-size:13.5px;font-weight:700}
.div-switch a{padding:7px 14px;border-radius:999px;color:var(--muted);white-space:nowrap}
.div-switch a.on{background:var(--navy);color:#fff}
.burger{display:none;background:none;border:0;width:40px;height:40px;cursor:pointer}
.burger span{display:block;height:2px;background:var(--navy);margin:7px 8px}

/* Hero */
.hero{padding:72px 0 88px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{margin:18px 0 22px}
.hero .lead{margin-bottom:34px}
.cta-row{display:flex;flex-wrap:wrap;gap:14px}
.panel{background:var(--navy);color:#fff;border-radius:22px;padding:34px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.panel:after{content:"";position:absolute;right:-80px;top:-80px;width:220px;height:220px;border-radius:50%;border:34px solid rgba(197,161,90,.14)}
.panel small{font-size:12px;letter-spacing:.2em;color:var(--gold);font-weight:700}
.panel h3{color:#fff;font-size:28px;font-weight:300;margin:10px 0 24px}
.panel h3 b{font-weight:900}
.panel-row{display:flex;justify-content:space-between;align-items:center;padding:16px 0;border-top:1px solid rgba(255,255,255,.14)}
.panel-row span{font-size:12px;letter-spacing:.16em;color:#9fc7c2;font-weight:700;display:block}
.panel-row strong{font-size:17px}
.bars{display:flex;gap:4px;align-items:flex-end;height:30px}
.bars i{width:7px;background:var(--gold);border-radius:2px;opacity:.9}

/* Cifras */
.facts{background:#fff;border-block:1px solid var(--line);padding:34px 0}
.facts .shell{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.fact b{display:block;font-size:34px;font-weight:900;color:var(--navy);line-height:1}
.fact span{font-size:14px;color:var(--muted);display:block;margin-top:8px;line-height:1.4}

/* Tarjetas */
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.cards.c3{grid-template-columns:repeat(3,1fr)}
.cards.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:.25s;position:relative}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:transparent}
.card .n{font-size:13px;font-weight:900;color:var(--gold);letter-spacing:.14em}
.card h3{margin:10px 0 10px}
.card p{color:var(--muted);font-size:16px}
.card .more{display:inline-flex;margin-top:18px;font-weight:700;color:var(--teal);font-size:15px}
.card .more:hover{color:var(--navy)}

/* Bloque oscuro */
.dark{background:var(--navy);color:#dfe8ee}
.dark h2,.dark h3{color:#fff}
.dark .eyebrow{color:var(--gold)}
.dark .sec-head p{color:#b7c7d3}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.tags span{border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:7px 16px;font-size:14px;font-weight:400}
.list-num{counter-reset:n;display:grid;gap:18px}
.list-num li{list-style:none;display:grid;grid-template-columns:44px 1fr;gap:16px;align-items:start}
.list-num li:before{counter-increment:n;content:counter(n,decimal-leading-zero);font-weight:900;color:var(--gold);font-size:15px;padding-top:3px;letter-spacing:.08em}
.list-num h3{font-size:18px;margin-bottom:4px}
.list-num p{font-size:15.5px;color:#b7c7d3}

/* Muestra de informe */
.sample{background:#fff;color:var(--ink);border-radius:18px;padding:28px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5);position:relative}
.sample .tag{position:absolute;top:-12px;right:22px;background:var(--gold);color:var(--navy);font-size:11.5px;font-weight:900;letter-spacing:.12em;padding:5px 12px;border-radius:999px}
.sample header{display:flex;justify-content:space-between;align-items:center;border-bottom:2px solid var(--navy);padding-bottom:12px;margin-bottom:16px}
.sample header b{color:var(--navy);font-size:15px;letter-spacing:.06em}
.sample header span{font-size:12px;color:var(--muted)}
.meter{display:grid;grid-template-columns:150px 1fr 34px;gap:12px;align-items:center;font-size:13.5px;padding:6px 0}
.meter .t{height:8px;background:#EEF2F4;border-radius:9px;position:relative}
.meter .t i{position:absolute;left:0;top:0;bottom:0;border-radius:9px;background:linear-gradient(90deg,var(--teal),#3b9a91)}
.meter em{font-style:normal;font-weight:700;color:var(--navy);text-align:right}
.sample .note{margin-top:14px;background:var(--tealsoft);border-left:3px solid var(--teal);padding:12px 14px;border-radius:6px;font-size:13.5px}
.sample .note b{color:var(--teal)}

/* Principios */
.principles{display:grid;grid-template-columns:1fr 1.3fr;gap:64px;align-items:start}
.principle{padding:22px 0;border-top:1px solid var(--line)}
.principle:last-child{border-bottom:1px solid var(--line)}
.principle h3{font-size:19px;margin-bottom:6px}
.principle p{color:var(--muted);font-size:16px}
.quote{font-size:clamp(30px,3.6vw,42px);font-weight:300;color:var(--navy);line-height:1.2}
.quote b{font-weight:900;color:var(--wine)}

/* Proceso */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.steps:before{content:"";position:absolute;left:28px;right:28px;top:27px;height:2px;background:var(--line)}
.step{position:relative}
.step .dot{width:56px;height:56px;border-radius:50%;background:#fff;border:2px solid var(--teal);display:grid;place-items:center;font-weight:900;font-size:20px;color:var(--teal);margin-bottom:20px;position:relative}
.step h3{font-size:18px;margin-bottom:8px}
.step p{font-size:15.5px;color:var(--muted)}

/* Persona */
.person{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px;align-items:center}
.photo{position:relative}
.photo img{border-radius:20px;aspect-ratio:4/5;object-fit:cover;width:100%;box-shadow:var(--shadow)}
.photo .badge{position:absolute;left:-18px;bottom:28px;background:#fff;border-radius:14px;padding:16px 20px;box-shadow:var(--shadow);font-size:14px;line-height:1.35}
.photo .badge b{display:block;font-size:26px;color:var(--navy);font-weight:900}
.person h2{margin:14px 0 6px}
.person .role{color:var(--teal);font-weight:700;margin-bottom:22px}
.person p{margin-bottom:16px}
.motto{display:grid;gap:4px;margin-top:26px;padding-left:18px;border-left:3px solid var(--gold);font-size:19px;color:var(--navy);font-weight:400}

/* Descargas */
.downloads{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.dl{display:flex;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 24px;transition:.2s}
.dl:hover{border-color:var(--teal);box-shadow:var(--shadow)}
.dl .ic{width:48px;height:56px;border-radius:8px;background:var(--tealsoft);display:grid;place-items:center;color:var(--teal);font-weight:900;font-size:12px;flex:none}
.dl b{display:block;color:var(--navy);font-size:17px}
.dl span{font-size:14.5px;color:var(--muted)}

/* CTA final */
.cta{background:linear-gradient(135deg,var(--teal) 0%,var(--navy) 100%);color:#fff;border-radius:26px;padding:64px;display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}
.cta h2{color:#fff}
.cta p{color:#d3e4e6;margin-top:14px}
.cta .cta-row{justify-content:flex-end}

/* Pie */
footer{padding:56px 0 34px;border-top:1px solid var(--line);margin-top:96px;background:#fff}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.foot h4{font-size:12.5px;letter-spacing:.18em;color:var(--teal);margin-bottom:14px}
.foot a{display:block;color:var(--muted);font-size:15px;padding:3px 0}
.foot a:hover{color:var(--teal)}
.foot p{color:var(--muted);font-size:15px;margin-top:12px;max-width:360px}
.legal{display:flex;justify-content:space-between;gap:20px;border-top:1px solid var(--line);margin-top:38px;padding-top:22px;font-size:13.5px;color:var(--muted)}
.legal p{text-align:left}

/* Botón flotante WhatsApp */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;width:58px;height:58px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 12px 26px -10px rgba(0,0,0,.45);transition:.2s}
.wa-float:hover{transform:scale(1.06)}
.wa-float svg{width:30px;height:30px;fill:#fff}

/* Seguros */
.hero-photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow);position:relative}
.hero-photo img{width:100%;aspect-ratio:5/4;object-fit:cover;object-position:62% center}
.hero-photo .chip{position:absolute;left:18px;bottom:18px;right:18px;background:rgba(255,255,255,.94);border-radius:12px;padding:14px 18px;font-size:14.5px;color:var(--navy);display:flex;gap:12px;align-items:center}
.hero-photo .chip b{font-weight:900}
.chk{width:26px;height:26px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;flex:none;font-size:14px;font-weight:900}
.trust{display:flex;flex-wrap:wrap;gap:22px;margin-top:30px;font-size:14.5px;color:var(--muted)}
.trust span{display:flex;align-items:center;gap:8px}
.trust span:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold)}

.quoter{background:#fff;border-radius:24px;box-shadow:var(--shadow);border:1px solid var(--line);display:grid;grid-template-columns:.9fr 1.1fr;overflow:hidden}
.quoter aside{background:var(--navy);color:#dfe8ee;padding:44px}
.quoter aside h2{color:#fff;font-size:34px;margin:14px 0 16px}
.quoter aside .eyebrow{color:var(--gold)}
.quoter aside ul{margin-top:24px;display:grid;gap:12px}
.quoter aside li{list-style:none;display:flex;gap:12px;font-size:15.5px;text-align:left}
.quoter aside li:before{content:"✓";color:var(--gold);font-weight:900}
.quoter form{padding:44px;display:grid;gap:22px}
.q-label{font-size:13px;font-weight:900;letter-spacing:.12em;color:var(--navy);text-transform:uppercase;margin-bottom:10px;display:block}
.opts{display:flex;flex-wrap:wrap;gap:10px}
.opts label{position:relative}
.opts input{position:absolute;opacity:0;pointer-events:none}
.opts span{display:inline-block;border:1.5px solid var(--line);border-radius:999px;padding:9px 16px;font-size:15px;font-weight:400;cursor:pointer;transition:.15s;background:#fff}
.opts span:hover{border-color:var(--teal)}
.opts input:checked+span{background:var(--teal);border-color:var(--teal);color:#fff;font-weight:700}
.opts input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field input,.field select{width:100%;border:1.5px solid var(--line);border-radius:12px;padding:13px 14px;font-family:inherit;font-size:16px;color:var(--ink);background:#fff;font-weight:400}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal)}
.privacy{font-size:13px;color:var(--muted);line-height:1.5}
.privacy a{color:var(--teal);font-weight:700}
.form-err{color:var(--wine);font-size:14px;font-weight:700;display:none}

.review{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;background:var(--tealsoft);border-radius:26px;padding:56px}
.review ol{display:grid;gap:14px;margin-top:22px}
.review ol li{list-style:none;display:flex;gap:14px;align-items:flex-start;background:#fff;border-radius:12px;padding:14px 18px;font-size:16px}
.review ol li b{color:var(--teal);font-weight:900}

.moments{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.moment{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;display:flex;flex-direction:column;transition:.25s}
.moment:hover{box-shadow:var(--shadow);border-color:transparent;transform:translateY(-3px)}
.moment .em{font-size:12.5px;font-weight:900;letter-spacing:.14em;color:var(--gold)}
.moment h3{margin:8px 0 8px;font-size:19px}
.moment p{color:var(--muted);font-size:15.5px;flex:1}
.moment a{margin-top:16px;font-weight:700;color:var(--teal);font-size:15px}

.gloss{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.term{border-top:3px solid var(--teal);background:#fff;border-radius:0 0 var(--r) var(--r);padding:22px 24px}
.term h3{font-size:17.5px;margin-bottom:6px}
.term p{font-size:15.5px;color:var(--muted)}

.faq{max-width:860px}
.faq details{border-bottom:1px solid var(--line);padding:20px 0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;font-size:18.5px;font-weight:700;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-weight:300;font-size:28px;line-height:1;color:var(--teal);transition:.2s}
.faq details[open] summary:after{transform:rotate(45deg)}
.faq details p{margin-top:12px;color:var(--muted)}

.agent{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px 32px}
.agent img{width:96px;height:96px;border-radius:50%;object-fit:cover}
.agent h3{font-size:21px}
.agent p{color:var(--muted);font-size:15.5px;margin-top:4px}
.pend{display:inline-block;margin-top:10px;border:1.5px dashed var(--gold);color:#8a6a2a;background:#fff9ec;border-radius:8px;padding:6px 12px;font-size:13.5px;font-weight:700}
.disclaimer{font-size:13.5px;color:var(--muted);margin-top:26px;text-align:center}

/* Revelado suave */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}

/* Responsivo */
@media (max-width:1020px){
  .menu a:not(.btn){display:none}
  .hero-grid,.split,.principles,.person,.quoter,.review,.cta{grid-template-columns:1fr}
  .cards.c4,.steps{grid-template-columns:repeat(2,1fr)}
  .steps:before{display:none}
  .moments,.gloss,.cards.c3{grid-template-columns:repeat(2,1fr)}
  .cta .cta-row{justify-content:flex-start}
  .person .photo{max-width:420px}
}
@media (max-width:720px){
  body{font-size:16.5px}
  section{padding:68px 0}
  .shell{width:calc(100% - 32px)}
  .top .shell{height:64px}
  .brand span.txt{display:none}
  .div-switch a{padding:7px 11px;font-size:12.5px}
  .menu .btn{display:none}
  .cards,.cards.c3,.cards.c4,.steps,.moments,.gloss,.downloads,.row2,.foot{grid-template-columns:1fr}
  .facts .shell{grid-template-columns:repeat(2,1fr)}
  .panel,.quoter aside,.quoter form,.review,.cta{padding:28px}
  .cta{border-radius:20px}
  .meter{grid-template-columns:110px 1fr 30px;font-size:12.5px}
  .agent{grid-template-columns:1fr;text-align:left}
  .photo .badge{left:12px}
  .legal{flex-direction:column}
}

/* Ajustes */
.menu a{white-space:nowrap}
@media (max-width:1180px){.menu a:not(.btn){display:none}}
.hero-photo img{object-position:78% center}
.insurers{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}
.insurers span{background:var(--tealsoft);border-radius:999px;padding:6px 14px;font-size:14px;color:var(--navy)}
.insurers b{font-weight:900;margin-right:6px}
.compare{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.compare th,.compare td{padding:16px 22px;text-align:left;vertical-align:top;font-size:16px;border-bottom:1px solid var(--line)}
.compare tr:last-child td{border-bottom:0}
.compare th{font-size:12.5px;letter-spacing:.16em;font-weight:900;color:var(--muted);background:#F4F6F7}
.compare th.igo{background:var(--navy);color:var(--gold)}
.compare td:first-child{font-weight:700;color:var(--navy);width:24%}
.compare td.igo{background:var(--tealsoft);color:var(--navy);font-weight:400}
.compare td.no{color:var(--muted)}
.layers{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.layer{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;position:relative;overflow:hidden}
.layer:before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:linear-gradient(90deg,var(--teal),var(--gold))}
.layer .big{font-size:36px;font-weight:900;color:var(--navy);line-height:1;margin:6px 0 10px}
.layer h3{font-size:17.5px;margin-bottom:6px}
.layer p{font-size:15.5px;color:var(--muted)}
.teammap{background:#fff;border-radius:18px;padding:26px;color:var(--ink);box-shadow:0 30px 60px -30px rgba(0,0,0,.5);position:relative}
.teammap .tag{position:absolute;top:-12px;right:22px;background:var(--gold);color:var(--navy);font-size:11.5px;font-weight:900;letter-spacing:.12em;padding:5px 12px;border-radius:999px}
.teammap h4{color:var(--navy);font-size:15px;letter-spacing:.06em;margin-bottom:14px;border-bottom:2px solid var(--navy);padding-bottom:10px}
.tm-row{display:grid;grid-template-columns:120px 1fr;gap:12px;align-items:center;padding:7px 0;font-size:13.5px}
.tm-dots{display:flex;gap:6px;flex-wrap:wrap}
.tm-dots i{width:18px;height:18px;border-radius:50%;display:block}
.tm-dots .a{background:var(--teal)}.tm-dots .m{background:#8bc7bc}.tm-dots .b{background:#E3E8EA}
.tm-legend{display:flex;gap:16px;margin-top:12px;font-size:12px;color:var(--muted)}
.tm-legend span{display:flex;align-items:center;gap:6px}
.tm-legend i{width:10px;height:10px;border-radius:50%;display:block}
@media (max-width:1020px){.layers{grid-template-columns:repeat(2,1fr)}}
@media (max-width:720px){.layers{grid-template-columns:1fr}.compare th,.compare td{padding:12px 14px;font-size:14.5px}.compare td:first-child{width:auto}}