/* ==========================================================================
   AE Seguros · Sistema de diseño web
   Basado en el Manual de marca v1.0: Urbanist + Figtree, Material Symbols Rounded 300,
   degradado 125° #0A2C8F → #0A5BEA → #00C9F2. El cian nunca se usa como texto sobre blanco.
   ========================================================================== */

:root {
  --navy: #0E2A6E; --blue: #0A4FE0; --signal: #0A7CFF; --cyan: #00C9F2;
  --deep: #0A2C8F; --mid: #0A5BEA;
  --ink: #0B1530; --slate: #4A5878; --mist: #DCE3F0; --soft: #F4F7FC; --tint: #EAF1FE;
  --ok: #0A7A4B; --err: #B3261E;
  --grad: linear-gradient(125deg, #0A2C8F 0%, #0A5BEA 55%, #00C9F2 100%);
  --r-s: 12px; --r-m: 16px; --r-l: 20px; --r-xl: 28px;
  --shadow-s: 0 6px 20px -10px rgba(14, 42, 110, .28);
  --shadow-m: 0 20px 40px -20px rgba(14, 42, 110, .35);
  --shadow-l: 0 40px 80px -30px rgba(14, 42, 110, .55);
  --f-head: 'Urbanist', system-ui, sans-serif;
  --f-body: 'Figtree', system-ui, sans-serif;
  --maxw: 1200px; --gut: 24px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 140px; }
body { margin: 0; font-family: var(--f-body); font-size: 17px; line-height: 1.6; color: var(--ink); background: #fff; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 { font-family: var(--f-head); color: var(--navy); margin: 0; font-weight: 600; text-wrap: balance; }
p { margin: 0; text-wrap: pretty; }
ul, ol { margin: 0; padding: 0; }
button { font: inherit; }
[hidden] { display: none !important; }
:focus-visible { outline: 3px solid var(--signal); outline-offset: 3px; border-radius: 6px; }
[tabindex='-1']:focus, [tabindex='-1']:focus-visible { outline: none; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: fixed; left: 12px; top: -80px; z-index: 100; background: #fff; color: var(--navy); padding: 12px 18px; border-radius: 12px; font-weight: 600; box-shadow: var(--shadow-m); }
.skip:focus { top: 12px; }
.wrap { width: 100%; max-width: calc(var(--maxw) + 2 * var(--gut)); margin-inline: auto; padding-inline: var(--gut); }
.fine { font-size: 13.5px; color: var(--slate); margin-top: 20px; }

.ms { font-family: 'Material Symbols Rounded'; font-weight: 300; font-style: normal; font-size: 24px; line-height: 1; letter-spacing: normal; text-transform: none; white-space: nowrap; display: inline-block; width: 1em; height: 1em; overflow: hidden; flex: none; vertical-align: middle; font-feature-settings: 'liga'; -webkit-font-smoothing: antialiased; direction: ltr; }

/* ---------- Tipografía de sección ---------- */
.eyebrow { font: 600 13px/1.3 var(--f-head); letter-spacing: .14em; text-transform: uppercase; color: var(--blue); }
.eyebrow--light { color: rgba(255, 255, 255, .92); }
.h2 { font: 400 clamp(32px, 4.2vw, 52px)/1.08 var(--f-head); letter-spacing: -.015em; color: var(--navy); }
.h2--light { color: #fff; }
.h3 { font: 600 22px/1.3 var(--f-head); color: var(--navy); }
.lead { font-size: 18px; line-height: 1.6; color: var(--slate); }
.lead--light { color: rgba(255, 255, 255, .84); }
.lead--sm { font-size: 16px; margin: 8px 0 24px; }
.section { padding: clamp(64px, 8vw, 120px) 0; }
.section--tight { padding: clamp(48px, 6vw, 88px) 0; }
.section--soft { background: var(--soft); }
.section--navy { background: var(--navy); color: #fff; }
.sec-head { display: grid; gap: 12px; max-width: 760px; margin-bottom: clamp(32px, 4vw, 56px); }
.sec-head--center { margin-inline: auto; text-align: center; justify-items: center; }

/* ---------- Botones ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 52px; padding: 0 28px; border-radius: 999px; border: 1.5px solid transparent; font: 600 16px/1 var(--f-body); cursor: pointer; text-decoration: none; white-space: nowrap; transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s; }
.btn .ms { font-size: 20px; transition: transform .2s; }
.btn:hover .ms:last-child { transform: translateX(3px); }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--blue); color: #fff; }
.btn--primary:hover { background: #083FB8; color: #fff; box-shadow: 0 12px 26px -12px rgba(10, 79, 224, .8); transform: translateY(-1px); }
.btn--light { background: #fff; color: var(--navy); }
.btn--light:hover { background: var(--tint); color: var(--navy); transform: translateY(-1px); box-shadow: 0 12px 26px -14px rgba(0, 0, 0, .5); }
.btn--ghost { background: transparent; border-color: var(--mist); color: var(--navy); }
.btn--ghost:hover { border-color: var(--blue); color: var(--blue); }
.btn--ghost-light { background: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .55); color: #fff; }
.btn--ghost-light:hover { background: rgba(255, 255, 255, .18); border-color: #fff; color: #fff; }
.btn--sm { min-height: 44px; padding: 0 20px; font-size: 15px; }
.btn--lg { min-height: 56px; padding: 0 32px; font-size: 17px; }
.btn--block { display: flex; width: 100%; }
.link-btn { display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0; border: 0; background: none; font: 600 15px var(--f-head); color: var(--blue); cursor: pointer; }
.link-btn:hover { color: var(--navy); }
.link-btn:hover .ms { transform: translateX(3px); }
.link-btn .ms { font-size: 18px; transition: transform .2s; }
.link-sub { font-size: 14px; color: var(--slate); text-decoration: underline; text-underline-offset: 3px; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; font: 600 15px var(--f-head); color: var(--blue); }
.link-arrow .ms { font-size: 18px; transition: transform .2s; }
.link-arrow:hover .ms { transform: translateX(4px); }
.link-arrow--light { color: #fff; }
.link-arrow--light:hover { color: #fff; }

/* ---------- Cabecera ---------- */
.site-header { --hh: 104px; position: fixed; inset: 0 0 auto 0; z-index: 50; transition: background .3s, box-shadow .3s, backdrop-filter .3s; }
.site-header.is-scrolled { --hh: 68px; background: rgba(255, 255, 255, .9); -webkit-backdrop-filter: saturate(1.4) blur(14px); backdrop-filter: saturate(1.4) blur(14px); box-shadow: 0 1px 0 var(--mist); }
.hdr { display: flex; align-items: center; gap: 24px; height: var(--hh); transition: height .3s var(--ease); }
.brand { display: block; flex: none; }
.brand img { display: none; height: auto; }
.b-full { width: 120px; }
.b-symw, .b-symc { width: 76px; }
.site-header:not(.is-scrolled) .b-full { display: block; }
.site-header.is-scrolled .b-symc { display: block; }
.nav { display: flex; gap: 2px; margin-left: auto; }
.nav a { padding: 9px 14px; border-radius: 999px; font: 600 15px var(--f-head); color: rgba(255, 255, 255, .92); transition: background .2s, color .2s; }
.nav a:hover { background: rgba(255, 255, 255, .14); color: #fff; }
.nav a[aria-current] { background: rgba(255, 255, 255, .18); color: #fff; }
.is-scrolled .nav a { color: var(--slate); }
.is-scrolled .nav a:hover { background: var(--soft); color: var(--navy); }
.is-scrolled .nav a[aria-current] { background: var(--tint); color: var(--blue); }
.hdr-actions { display: flex; align-items: center; gap: 12px; }
.hdr-phone { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 0 8px; font: 600 15px var(--f-head); color: #fff; border-radius: 999px; }
.hdr-phone:hover { color: #fff; }
.is-scrolled .hdr-phone { color: var(--navy); }
.is-scrolled .hdr-cta { background: var(--blue); color: #fff; }
.is-scrolled .hdr-cta:hover { background: #083FB8; }
.menu-btn { display: none; width: 48px; height: 48px; border-radius: 50%; border: 1.5px solid rgba(255, 255, 255, .5); background: rgba(255, 255, 255, .1); cursor: pointer; place-items: center; }
.is-scrolled .menu-btn { border-color: var(--mist); background: #fff; }
.menu-lines { display: grid; gap: 5px; width: 20px; }
.menu-lines i { display: block; height: 2px; border-radius: 2px; background: #fff; transition: transform .3s var(--ease), opacity .2s; }
.is-scrolled .menu-lines i { background: var(--navy); }
.menu-open .menu-lines i { background: #fff; }
.menu-open .menu-lines i:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-open .menu-lines i:nth-child(2) { opacity: 0; }
.menu-open .menu-lines i:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.menu-open .site-header { background: transparent; box-shadow: none; -webkit-backdrop-filter: none; backdrop-filter: none; }
.menu-open .site-header .b-symc, .menu-open .site-header .b-full { display: none; }
.menu-open .site-header .b-symw { display: block; }
.menu-open .menu-btn { border-color: rgba(255, 255, 255, .5); background: rgba(255, 255, 255, .1); }
.menu-open { overflow: hidden; }

.mobile-menu { position: fixed; inset: 0; z-index: 40; overflow-y: auto; background: linear-gradient(160deg, #0A2C8F 0%, #0A5BEA 80%); color: #fff; opacity: 0; transform: translateY(-12px); transition: opacity .3s, transform .3s var(--ease); }
.mobile-menu[hidden] { display: none; }
.mobile-menu.is-open { opacity: 1; transform: none; }
.mm-inner { padding: 112px var(--gut) 40px; display: grid; gap: 28px; max-width: 560px; margin-inline: auto; }
.mm-links { display: grid; }
.mm-links a { padding: 14px 0; font: 300 clamp(28px, 7vw, 38px)/1.1 var(--f-head); color: #fff; border-bottom: 1px solid rgba(255, 255, 255, .16); }
.mm-links a[aria-current] { font-weight: 600; }
.mm-actions { display: grid; gap: 12px; }

@media (max-width: 1239px) { .hdr-phone span:not(.ms) { display: none; } .hdr-phone { width: 44px; justify-content: center; padding: 0; border: 1.5px solid rgba(255, 255, 255, .5); } .is-scrolled .hdr-phone { border-color: var(--mist); } }
@media (max-width: 1099px) {
  .nav { display: none; }
  .hdr-actions { margin-left: auto; }
  .menu-btn { display: grid; }
  .site-header:not(.is-scrolled) .b-full { display: none; }
  .site-header:not(.is-scrolled) .b-symw { display: block; }
  .site-header { --hh: 76px; }
  .site-header.is-scrolled { --hh: 64px; }
}
@media (max-width: 720px) { .hdr-cta { display: none; } }

/* ---------- Hero ---------- */
.hero, .phero { position: relative; color: #fff; overflow: hidden; isolation: isolate;
  background: radial-gradient(60% 70% at 100% 100%, rgba(0, 201, 242, .75), transparent 70%), linear-gradient(125deg, #0A2C8F 0%, #0A5BEA 62%, #0A7CFF 100%); }
.hero { padding: 152px 0 clamp(72px, 9vw, 120px); }
.hero::before { content: ''; position: absolute; z-index: -1; left: -10%; top: -20%; width: 55vw; max-width: 760px; aspect-ratio: 1; background: radial-gradient(closest-side, rgba(255, 255, 255, .16), transparent); }
.hero-ribbon, .phero-ribbon, .cta-ribbon { position: absolute; z-index: -1; overflow: visible; pointer-events: none; }
.hero-ribbon { right: -10%; top: 8%; width: min(980px, 86vw); animation: float 16s ease-in-out infinite alternate; }
.hero-ribbon path, .phero-ribbon path, .cta-ribbon path { fill: none; stroke-linecap: round; stroke-dasharray: 1; stroke-dashoffset: 1; }
.hero-ribbon path { stroke: url(#rg); stroke-width: 24; animation: draw 3.4s .3s cubic-bezier(.55, .05, .2, 1) forwards; }
.phero-ribbon path, .cta-ribbon path { stroke: rgba(255, 255, 255, .22); stroke-width: 20; animation: draw 3s .2s cubic-bezier(.55, .05, .2, 1) forwards; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); grid-template-areas: 'copy wiz' 'trust wiz'; column-gap: clamp(32px, 5vw, 72px); row-gap: 0; align-items: center; }
.hero-copy { grid-area: copy; align-self: end; }
.hero-wizard { grid-area: wiz; }
.hero-trust { grid-area: trust; align-self: start; }
.hero-title { font: 300 clamp(40px, 5.6vw, 74px)/1.03 var(--f-head); letter-spacing: -.022em; color: #fff; margin: 18px 0 24px; text-wrap: balance; }
.u-loop { position: relative; white-space: nowrap; }
.u-loop svg { position: absolute; left: -2%; bottom: -.16em; width: 104%; height: .28em; overflow: visible; }
.u-loop path { fill: none; stroke: var(--cyan); stroke-width: 4; stroke-linecap: round; stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw 1.2s 1.1s var(--ease) forwards; }
.hero-lead { font-size: clamp(17px, 1.6vw, 20px); line-height: 1.55; color: rgba(255, 255, 255, .92); max-width: 540px; }
.hero-trust { list-style: none; display: grid; gap: 14px; margin-top: 32px; max-width: 520px; }
.hero-trust li { display: flex; align-items: center; gap: 14px; font-size: 15.5px; line-height: 1.35; color: rgba(255, 255, 255, .94); }
.hero-trust .ms { width: 40px; height: 40px; font-size: 22px; display: grid; place-items: center; border-radius: 50%; background: rgba(255, 255, 255, .14); }
.hero-trust strong { font-weight: 600; color: #fff; }

.phero { padding: 160px 0 clamp(56px, 7vw, 96px); background: radial-gradient(45% 70% at 100% 100%, rgba(0, 201, 242, .6), transparent 70%), linear-gradient(125deg, #0A2C8F 0%, #0A5BEA 62%, #0A7CFF 100%); }
.phero--compact { padding-bottom: clamp(40px, 5vw, 64px); }
.phero-ribbon { right: -8%; top: -14%; width: min(760px, 78vw); opacity: .8; }
.phero-title { font: 300 clamp(36px, 5vw, 64px)/1.05 var(--f-head); letter-spacing: -.02em; color: #fff; max-width: 20ch; margin-top: 14px; }
.phero-lead { font-size: clamp(17px, 1.6vw, 20px); color: rgba(255, 255, 255, .9); max-width: 60ch; margin-top: 20px; }
.phero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 32px; }
.crumbs { display: flex; gap: 8px; font-size: 14px; color: rgba(255, 255, 255, .92); margin-bottom: 20px; }
.crumbs a { color: #fff; }
.crumbs a:hover { text-decoration: underline; }

@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; grid-template-areas: 'copy' 'wiz' 'trust'; row-gap: 32px; }
  .hero-copy, .hero-trust { align-self: auto; }
  .hero-trust { margin-top: 0; }
  .hero { padding-top: 128px; }
  .phero { padding-top: 124px; }
  .hero-ribbon { right: -30%; top: 2%; }
}

/* ---------- Asistente de estudio gratuito ---------- */
.wz { position: relative; background: #fff; color: var(--ink); border-radius: var(--r-xl); padding: clamp(20px, 3vw, 32px); box-shadow: var(--shadow-l); }
.wz-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.wz-title { font: 600 clamp(20px, 2vw, 24px)/1.2 var(--f-head); color: var(--navy); }
.wz-count { font: 600 13px var(--f-head); letter-spacing: .06em; color: var(--slate); white-space: nowrap; }
.wz-bar { height: 4px; border-radius: 99px; background: var(--mist); margin: 16px 0 4px; overflow: hidden; }
.wz-bar i { display: block; height: 100%; width: 33%; background: var(--grad); border-radius: 99px; transition: width .45s var(--ease); }
.wz-sub { font: 600 17px/1.3 var(--f-head); color: var(--navy); margin: 18px 0 14px; }
.wz-hint { font-size: 14px; color: var(--slate); margin: -6px 0 16px; }
.wz-step { animation: stepIn .4s var(--ease); }
.wz-tiles { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.tile { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 6px; min-height: 92px; padding: 14px 6px; border: 1.5px solid var(--mist); border-radius: var(--r-m); background: #fff; font: 600 14px/1.2 var(--f-head); color: var(--navy); text-align: center; cursor: pointer; transition: border-color .2s, transform .2s, box-shadow .2s, background .2s; }
.tile .ms { font-size: 32px; color: var(--blue); transition: transform .25s var(--ease); }
.tile:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow-s); color: var(--navy); }
.tile:hover .ms { transform: scale(1.1); }
.tile[aria-pressed='true'] { background: var(--tint); border-color: var(--blue); }
.wz-opts { display: grid; gap: 10px; }
.opt { display: flex; align-items: center; gap: 14px; width: 100%; min-height: 56px; padding: 12px 18px; border: 1.5px solid var(--mist); border-radius: 14px; background: #fff; font: 500 16px/1.3 var(--f-body); color: var(--ink); text-align: left; cursor: pointer; transition: border-color .2s, background .2s, transform .2s; }
.opt::before { content: ''; flex: none; width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--mist); transition: border-color .2s, background .2s, box-shadow .2s; }
.opt:hover { border-color: var(--blue); transform: translateX(2px); }
.opt:hover::before { border-color: var(--blue); }
.opt[aria-pressed='true'] { border-color: var(--blue); background: var(--tint); }
.opt[aria-pressed='true']::before { border-color: var(--blue); background: var(--blue); box-shadow: inset 0 0 0 3px #fff; }
.wz-nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 18px; }
.wz-back { display: inline-flex; align-items: center; gap: 4px; min-height: 44px; padding: 0 12px 0 4px; border: 0; background: none; font: 600 14px var(--f-head); color: var(--slate); cursor: pointer; border-radius: 999px; }
.wz-back:hover { color: var(--navy); }
.wz-back .ms { font-size: 20px; }
.wz-alt { display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 6px 10px; margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--mist); font-size: 14.5px; color: var(--slate); }
.wz-alt a { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--blue); }
.wz-alt .ms { font-size: 18px; }
.wz-chips { display: flex; flex-wrap: wrap; gap: 6px; margin: 16px 0 4px; }
.wz-chip { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; border-radius: 999px; background: var(--tint); color: var(--navy); font: 600 13px var(--f-head); }
.wz-chip .ms { font-size: 16px; color: var(--blue); }
.wz-form { display: grid; gap: 14px; margin-top: 12px; }
.wz-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; align-items: start; }
.wz-row .field[hidden] { display: none !important; }
@media (max-width: 420px) { .wz-row { grid-template-columns: 1fr; } }
.wz-form .btn { margin-top: 4px; }
.wz-wa { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 12px; font: 600 14.5px var(--f-head); color: var(--blue); }
.wz-wa .ms { font-size: 20px; }
.wz-done { text-align: center; padding: 8px 0 4px; display: grid; gap: 12px; justify-items: center; }
.wz-done h3 { font: 400 clamp(26px, 3vw, 32px)/1.1 var(--f-head); }
.wz-done p { color: var(--slate); max-width: 38ch; }
.wz-done .btn { margin-top: 6px; }
.wz-check { width: 76px; height: 76px; }
.wz-check circle { fill: none; stroke: var(--tint); stroke-width: 4; }
.wz-check .ring { stroke: url(#okg); stroke-linecap: round; stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw .8s .1s var(--ease) forwards; }
.wz-check .tick { fill: none; stroke: var(--blue); stroke-width: 5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw .5s .7s var(--ease) forwards; }
.wz-next { list-style: none; display: grid; gap: 10px; text-align: left; width: 100%; margin: 6px 0; padding: 16px 18px; background: var(--soft); border-radius: var(--r-m); font-size: 14.5px; color: var(--slate); }
.wz-next li { display: flex; gap: 10px; align-items: flex-start; }
.wz-next .ms { font-size: 20px; color: var(--blue); }

.wz-dialog { border: 0; padding: 0; background: transparent; width: min(560px, calc(100vw - 24px)); max-width: none; max-height: none; margin: auto; overflow: visible; color: inherit; }
.wz-dialog::backdrop { background: rgba(11, 21, 48, .62); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); }
.wz-dialog[open] { animation: pop .35s var(--ease); }
.wz-dialog[open]::backdrop { animation: fade .3s; }
.wz-dialog-shell { position: relative; max-height: calc(100dvh - 24px); overflow-y: auto; border-radius: var(--r-xl); }
.wz-close { position: absolute; z-index: 3; top: 14px; right: 14px; display: grid; place-items: center; width: 40px; height: 40px; border: 0; border-radius: 50%; background: var(--soft); color: var(--navy); cursor: pointer; }
.wz-close:hover { background: var(--tint); }
.wz-dialog .wz { box-shadow: none; padding-top: 28px; }
.wz-dialog .wz-head { padding-right: 44px; }
.dialog-open { overflow: hidden; }
@media (max-width: 640px) {
  .wz-dialog { width: 100%; margin: auto 0 0; }
  .wz-dialog-shell { border-radius: var(--r-xl) var(--r-xl) 0 0; max-height: calc(100dvh - 12px); }
  .wz-dialog[open] { animation: sheet .4s var(--ease); }
}

/* ---------- Formularios ---------- */
.field { display: grid; gap: 6px; align-content: start; }
.field label, .field .lbl { font: 600 14px/1.3 var(--f-head); color: var(--navy); }
.optl { font-weight: 400; color: var(--slate); }
.input, .search input { width: 100%; min-height: 52px; padding: 0 16px; border: 1.5px solid var(--mist); border-radius: 14px; background: #fff; font: 400 16px var(--f-body); color: var(--ink); transition: border-color .2s, box-shadow .2s; -webkit-appearance: none; appearance: none; }
textarea.input { padding: 14px 16px; min-height: 120px; resize: vertical; line-height: 1.5; }
.input::placeholder, .search input::placeholder { color: #66759A; }
.input:focus, .search input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px var(--tint); }
.field.has-error .input { border-color: var(--err); box-shadow: 0 0 0 4px #FDECEA; }
.err { display: flex; align-items: center; gap: 6px; font-size: 13.5px; color: var(--err); }
.err[hidden] { display: none; }
.err .ms { font-size: 18px; }
.help { font-size: 13px; color: var(--slate); }
.select-wrap { position: relative; }
.select-wrap select { padding-right: 48px; cursor: pointer; }
.select-wrap > .ms { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); pointer-events: none; color: var(--slate); }
.dir-card .select-wrap select { background: #fff; color: var(--ink); min-height: 52px; width: 100%; border: 1.5px solid transparent; border-radius: 14px; padding: 0 48px 0 16px; font: 500 16px var(--f-body); -webkit-appearance: none; appearance: none; cursor: pointer; }
.seg { display: flex; gap: 4px; padding: 4px; background: var(--soft); border-radius: 999px; }
.seg label { flex: 1; cursor: pointer; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: grid; place-items: center; min-height: 44px; padding: 0 14px; border-radius: 999px; font: 600 14px var(--f-head); color: var(--slate); text-align: center; transition: background .2s, color .2s, box-shadow .2s; }
.seg input:checked + span { background: #fff; color: var(--blue); box-shadow: var(--shadow-s); }
.seg input:focus-visible + span { outline: 3px solid var(--signal); outline-offset: 2px; }
.check { display: flex; align-items: flex-start; gap: 12px; font: 400 14px/1.45 var(--f-body); color: var(--slate); cursor: pointer; }
.check input { position: absolute; opacity: 0; width: 22px; height: 22px; }
.check .box { flex: none; display: grid; place-items: center; width: 22px; height: 22px; margin-top: 1px; border: 1.5px solid #B6C1D9; border-radius: 6px; background: #fff; transition: background .2s, border-color .2s; }
.check .box .ms { font-size: 18px; color: #fff; opacity: 0; transform: scale(.6); transition: opacity .15s, transform .2s var(--ease); }
.check input:checked + .box { background: var(--blue); border-color: var(--blue); }
.check input:checked + .box .ms { opacity: 1; transform: none; }
.check input:focus-visible + .box { outline: 3px solid var(--signal); outline-offset: 2px; }
.field--check.has-error .box { border-color: var(--err); }
.legal-mini { font-size: 12.5px; line-height: 1.5; color: var(--slate); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-grid + .field { margin-bottom: 16px; }
.lead-form { display: grid; gap: 14px; }
.form-actions { margin-top: 6px; }
.form-status { padding: 14px 16px; border-radius: 12px; font-size: 15px; }
.form-status[hidden] { display: none; }
.form-status.is-ok { background: #E7F6EE; color: var(--ok); }
.form-status.is-err { background: #FDECEA; color: var(--err); }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }

/* ---------- Aseguradoras (marquee) ---------- */
.marquee { display: flex; overflow: hidden; margin-top: 8px; user-select: none; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; flex: none; align-items: center; justify-content: space-around; gap: 56px; min-width: 100%; padding: 12px 28px; margin: 0; list-style: none; animation: marquee 70s linear infinite; }
.marquee-track li { font: 600 clamp(22px, 2.6vw, 30px)/1 var(--f-head); letter-spacing: -.01em; color: var(--slate); opacity: .75; white-space: nowrap; }
.marquee-track li:nth-child(3n) { font-weight: 300; }
.marquee:hover .marquee-track { animation-play-state: paused; }

/* ---------- Cómo trabajamos ---------- */
.how { position: relative; margin-top: 8px; }
.how-wave { position: absolute; left: 0; top: 0; width: 100%; height: 80px; overflow: visible; }
.how-wave path { fill: none; stroke: url(#hw); stroke-width: 4; stroke-linecap: round; stroke-dasharray: 1; stroke-dashoffset: 0; }
.js .how-wave path { stroke-dashoffset: 1; transition: stroke-dashoffset 2.2s .1s cubic-bezier(.6, .05, .2, 1); }
.js .how.in .how-wave path { stroke-dashoffset: 0; }
.how-list { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0 28px; list-style: none; position: relative; }
.how-step { position: relative; padding-top: 112px; text-align: center; }
.how-step h3 { font-size: 20px; margin-bottom: 8px; }
.how-step p { font-size: 15.5px; color: var(--slate); max-width: 28ch; margin-inline: auto; }
.how-node { position: absolute; left: 50%; width: 46px; height: 46px; display: grid; place-items: center; margin-left: -23px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); font: 700 18px var(--f-head); color: var(--blue); box-shadow: 0 0 0 7px var(--soft), var(--shadow-s); }
.how-step:nth-child(odd) .how-node { top: -13px; }
.how-step:nth-child(even) .how-node { top: 47px; }
.js .how-node { opacity: 0; transform: scale(.5); transition: opacity .4s, transform .5s var(--ease); }
.js .how.in .how-node { opacity: 1; transform: none; }
.js .how.in .how-step:nth-child(1) .how-node { transition-delay: .2s; }
.js .how.in .how-step:nth-child(2) .how-node { transition-delay: .7s; }
.js .how.in .how-step:nth-child(3) .how-node { transition-delay: 1.2s; }
.js .how.in .how-step:nth-child(4) .how-node { transition-delay: 1.7s; }
@media (max-width: 860px) {
  .how-wave { display: none; }
  .how-list { grid-template-columns: 1fr; gap: 0; }
  .how-list::before { content: ''; position: absolute; left: 22px; top: 26px; bottom: 40px; width: 3px; border-radius: 3px; background: linear-gradient(180deg, #0A2C8F, #0A5BEA 60%, #00C9F2); transform-origin: top; }
  .js .how-list::before { transform: scaleY(0); transition: transform 2s cubic-bezier(.6, .05, .2, 1); }
  .js .how.in .how-list::before { transform: scaleY(1); }
  .how-step { padding: 0 0 32px 72px; text-align: left; }
  .how-step p { margin-inline: 0; max-width: 40ch; }
  .how-step:nth-child(n) .how-node { top: 0; left: 0; margin-left: 0; }
}

/* ---------- Explorador de seguros ---------- */
.tablist { display: flex; gap: 6px; padding: 6px; margin-bottom: 28px; background: var(--soft); border-radius: 999px; width: fit-content; max-width: 100%; overflow-x: auto; scrollbar-width: none; }
.tablist::-webkit-scrollbar { display: none; }
.tab { display: inline-flex; align-items: center; gap: 8px; min-height: 46px; padding: 0 20px; border: 0; border-radius: 999px; background: transparent; font: 600 15px var(--f-head); color: var(--slate); white-space: nowrap; cursor: pointer; transition: background .2s, color .2s, box-shadow .2s; }
.tab .ms { font-size: 20px; }
.tab:hover { color: var(--navy); }
.tab[aria-selected='true'] { background: #fff; color: var(--blue); box-shadow: var(--shadow-s); }
.section--soft .tablist { background: #fff; }
.section--soft .tab[aria-selected='true'] { background: var(--tint); box-shadow: none; }
.tabpanel[hidden] { display: none; }
.tabpanel { animation: stepIn .45s var(--ease); }
.pgrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 268px), 1fr)); gap: 16px; }
.pcard { display: flex; flex-direction: column; gap: 12px; padding: 24px; border: 1px solid var(--mist); border-radius: var(--r-l); background: #fff; transition: border-color .25s, transform .25s var(--ease), box-shadow .25s; }
.pcard:hover { border-color: rgba(10, 79, 224, .45); transform: translateY(-4px); box-shadow: var(--shadow-m); }
.pcard-ic { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 16px; background: var(--tint); color: var(--blue); transition: background .25s, color .25s; }
.pcard:hover .pcard-ic { background: var(--blue); color: #fff; }
.pcard-ic .ms { font-size: 28px; }
.pcard h3 { font-size: 20px; }
.pcard p { font-size: 15px; line-height: 1.55; color: var(--slate); }
.pcard-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: auto; padding-top: 8px; }
.panel-more { margin-top: 28px; }

/* ---------- Comparativa ---------- */
.cmp { background: #fff; border: 1px solid var(--mist); border-radius: var(--r-l); overflow: hidden; }
.cmp-row { display: grid; grid-template-columns: 1.15fr 1fr 1fr 1.3fr; align-items: stretch; border-top: 1px solid var(--mist); }
.cmp-row > div { padding: 18px 20px; display: flex; align-items: center; }
.cmp-head { border-top: 0; background: var(--soft); font: 600 15px var(--f-head); color: var(--navy); }
.cmp-head .cmp-us { background: var(--blue); color: #fff; }
.cmp-k { font: 600 16px/1.3 var(--f-head); color: var(--navy); }
.cmp-us { background: rgba(10, 79, 224, .06); }
.cmp-v { display: flex; align-items: flex-start; gap: 8px; font-size: 15px; line-height: 1.35; color: var(--ink); }
.cmp-v .ms { font-size: 22px; margin-top: -1px; }
.cmp-good .ms { color: var(--blue); }
.cmp-us .cmp-v { font-weight: 600; color: var(--navy); }
.cmp-mid .ms { color: #8794B0; }
.cmp-bad .ms { color: #C46A63; }
@media (max-width: 860px) {
  .cmp-row.cmp-head { display: none; }
  .cmp-row { display: block; padding-bottom: 8px; }
  .cmp-row > div { display: block; padding: 8px 20px; }
  .cmp-row > div[data-label]::before { content: attr(data-label); display: block; font: 600 11.5px var(--f-head); letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-bottom: 2px; }
  .cmp-row > .cmp-k { background: var(--soft); padding: 14px 20px; font-size: 17px; margin-bottom: 4px; }
  .cmp-row > .cmp-us { background: rgba(10, 79, 224, .07); }
  .cmp-row > .cmp-us::before { color: var(--blue); }
}

/* ---------- Cifras ---------- */
.facts { position: relative; overflow: hidden; padding: clamp(48px, 6vw, 72px) 0; color: #fff; isolation: isolate;
  background: radial-gradient(40% 120% at 100% 0, rgba(0, 201, 242, .5), transparent 70%), linear-gradient(125deg, #0A2C8F 0%, #0A5BEA 100%); }
.facts-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 32px; }
.fact-n { font: 300 clamp(48px, 5.4vw, 72px)/1 var(--f-head); letter-spacing: -.02em; }
.fact-l { margin-top: 10px; font-size: 15.5px; line-height: 1.4; color: rgba(255, 255, 255, .92); max-width: 22ch; }

/* ---------- Siniestros (teaser en inicio) ---------- */
.clm-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 80px); align-items: start; }
.clm-copy { display: grid; gap: 16px; justify-items: start; }
.clm-steps { list-style: none; display: grid; gap: 16px; margin: 28px 0; }
.clm-steps li { display: flex; gap: 16px; align-items: flex-start; color: rgba(255, 255, 255, .92); }
.clm-steps li > span { flex: none; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: rgba(255, 255, 255, .14); border: 1px solid rgba(255, 255, 255, .3); font: 700 15px var(--f-head); color: #fff; }
.clm-steps strong { color: #fff; font-weight: 600; }
.clm-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 16px; }
.dir-card { padding: clamp(22px, 3vw, 32px); border-radius: var(--r-xl); background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .18); }
.dir-head { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 20px; }
.dir-head > .ms { width: 48px; height: 48px; font-size: 26px; display: grid; place-items: center; border-radius: 14px; background: rgba(255, 255, 255, .14); color: #fff; }
.dir-head h3 { color: #fff; font-size: 20px; }
.dir-head p { font-size: 14.5px; color: rgba(255, 255, 255, .8); }
.dir-results { margin-top: 12px; }
.dir-empty { padding: 14px 4px; font-size: 14.5px; color: rgba(255, 255, 255, .75); }
.dir-row { display: grid; grid-template-columns: 1fr auto auto; align-items: center; gap: 14px; margin-top: 10px; padding: 14px 16px; border-radius: 14px; background: rgba(255, 255, 255, .1); color: #fff; transition: background .2s, transform .2s; }
.dir-row:hover { background: rgba(255, 255, 255, .18); color: #fff; transform: translateX(3px); }
.dir-row .dir-svc { font-size: 14.5px; color: rgba(255, 255, 255, .85); }
.dir-row .dir-num { font: 600 19px var(--f-head); }
.dir-row .dir-call { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: #fff; color: var(--blue); }
.dir-note { margin-top: 16px; font-size: 13.5px; color: rgba(255, 255, 255, .75); }
@media (max-width: 960px) { .clm-grid { grid-template-columns: 1fr; } }

/* ---------- Asesor / chat ---------- */
.adv-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(32px, 6vw, 96px); align-items: center; }
.adv-copy { display: grid; gap: 20px; justify-items: start; }
.ticks { list-style: none; display: grid; gap: 16px; }
.ticks li { display: flex; align-items: flex-start; gap: 14px; line-height: 1.45; }
.ticks .ms { margin-top: 1px; font-size: 26px; color: var(--blue); }
.ticks--sm { gap: 12px; }
.ticks--sm .ms { font-size: 22px; }
.phone { width: min(360px, 100%); margin-inline: auto; background: #fff; border: 8px solid var(--navy); border-radius: 40px; box-shadow: var(--shadow-l); overflow: hidden; }
.phone-top { display: flex; align-items: center; gap: 12px; padding: 16px 18px; background: linear-gradient(125deg, #0A2C8F, #0A5BEA); color: #fff; }
.phone-top strong { display: block; font: 600 16px var(--f-head); }
.phone-top span { font-size: 12.5px; opacity: .85; }
.avatar { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: rgba(255, 255, 255, .2); }
.phone-body { display: grid; gap: 10px; padding: 20px 16px; min-height: 380px; align-content: start; background: var(--soft); }
.bubble { max-width: 88%; padding: 12px 15px; font-size: 14.5px; line-height: 1.45; border-radius: 16px; }
.bubble--them { background: var(--tint); color: var(--ink); border-radius: 16px 16px 16px 4px; }
.bubble--me { background: var(--blue); color: #fff; margin-left: auto; border-radius: 16px 16px 4px 16px; }
.js [data-chat] .bubble { opacity: 0; transform: translateY(8px) scale(.98); }
.js [data-chat] .bubble.show { opacity: 1; transform: none; transition: opacity .35s, transform .45s var(--ease); }
.typing { display: inline-flex; gap: 4px; padding: 14px 16px; border-radius: 16px 16px 16px 4px; background: var(--tint); }
.typing i { width: 7px; height: 7px; border-radius: 50%; background: var(--blue); opacity: .5; animation: dot 1s infinite; }
.typing i:nth-child(2) { animation-delay: .15s; }
.typing i:nth-child(3) { animation-delay: .3s; }
.phone-foot { padding: 12px; text-align: center; font-size: 12px; color: var(--slate); background: #fff; border-top: 1px solid var(--mist); }
@media (max-width: 960px) { .adv-grid { grid-template-columns: 1fr; } }

/* ---------- Herramientas (teaser) ---------- */
.tools-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 250px), 1fr)); gap: 16px; }
.tool-card { display: flex; flex-direction: column; gap: 10px; padding: 28px; border-radius: var(--r-l); background: #fff; color: inherit; border: 1px solid transparent; transition: transform .25s var(--ease), box-shadow .25s, border-color .25s; }
.tool-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-m); border-color: rgba(10, 79, 224, .3); color: inherit; }
.tool-card h3 { font-size: 20px; }
.tool-card p { font-size: 15px; color: var(--slate); flex: 1; }
.tool-ic { display: grid; place-items: center; width: 52px; height: 52px; flex: none; border-radius: 16px; background: var(--grad); color: #fff; margin-bottom: 8px; }
.tool-ic .ms { font-size: 28px; }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(32px, 5vw, 88px); align-items: start; }
.faq-intro { display: grid; gap: 14px; position: sticky; top: 110px; }
.faq-cta { margin-top: 8px; }
.faq details { border-bottom: 1px solid var(--mist); }
.faq details:first-child { border-top: 1px solid var(--mist); }
.faq summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 22px 0; font: 600 19px/1.3 var(--f-head); color: var(--navy); cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ms { color: var(--blue); transition: transform .3s var(--ease); }
.faq details[open] summary .ms { transform: rotate(180deg); }
.faq summary:hover { color: var(--blue); }
.faq-a { padding: 0 0 24px; color: var(--slate); max-width: 62ch; animation: fade .4s; }
@media (max-width: 960px) { .faq-grid { grid-template-columns: 1fr; } .faq-intro { position: static; } }

/* ---------- Banda de cierre ---------- */
.cta-band { position: relative; overflow: hidden; isolation: isolate; display: grid; grid-template-columns: 1.15fr .85fr; gap: 32px; align-items: center; padding: clamp(32px, 6vw, 72px); border-radius: var(--r-xl); color: #fff;
  background: radial-gradient(40% 70% at 100% 0, rgba(0, 201, 242, .6), transparent 70%), linear-gradient(125deg, #0A2C8F 0%, #0A5BEA 80%); }
.cta-ribbon { right: -12%; bottom: -40%; width: 70%; }
.cta-copy { display: grid; gap: 14px; }
.cta-copy p { font-size: 18px; color: rgba(255, 255, 255, .9); max-width: 46ch; }
.cta-actions { display: grid; gap: 12px; }
@media (max-width: 860px) { .cta-band { grid-template-columns: 1fr; } }

/* ---------- Pie ---------- */
.site-footer { background: var(--navy); color: #fff; }
.ft-top { display: grid; grid-template-columns: 1.3fr .9fr .9fr 1.4fr; gap: 40px; padding: 72px 0 48px; }
.ft-brand img { width: 150px; height: auto; margin-bottom: 18px; }
.ft-brand p { max-width: 30ch; font-size: 15px; color: rgba(255, 255, 255, .8); }
.ft-col { display: grid; gap: 2px; align-content: start; }
.ft-col h3 { font: 600 12.5px var(--f-head); letter-spacing: .14em; text-transform: uppercase; color: rgba(255, 255, 255, .6); margin-bottom: 10px; }
.ft-col a { display: flex; gap: 10px; align-items: flex-start; padding: 6px 0; font-size: 15.5px; line-height: 1.4; color: rgba(255, 255, 255, .92); }
.ft-col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.ft-col a .ms { font-size: 20px; color: var(--cyan); margin-top: 1px; }
.ft-legal { padding: 28px 0 40px; border-top: 1px solid rgba(255, 255, 255, .16); font-size: 13px; line-height: 1.6; color: rgba(255, 255, 255, .72); }
.ft-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; margin-top: 18px; }
.ft-links { display: flex; flex-wrap: wrap; gap: 8px 22px; }
.ft-links a { color: rgba(255, 255, 255, .9); }
.ft-links a:hover { color: #fff; text-decoration: underline; }
@media (max-width: 960px) { .ft-top { grid-template-columns: 1fr 1fr; padding-top: 56px; } .ft-brand { grid-column: 1 / -1; } }
@media (max-width: 560px) { .ft-top { grid-template-columns: 1fr; } }

/* ---------- Acción rápida (móvil) y WhatsApp (escritorio) ---------- */
.mbar { position: fixed; z-index: 45; left: 12px; right: 12px; bottom: 12px; display: none; grid-template-columns: 1fr 1fr 1.5fr; gap: 8px; padding: 8px; border-radius: 22px; background: rgba(255, 255, 255, .94); -webkit-backdrop-filter: blur(14px); backdrop-filter: blur(14px); box-shadow: 0 10px 40px -10px rgba(14, 42, 110, .45), 0 0 0 1px rgba(14, 42, 110, .06); transition: transform .3s var(--ease); }
.mbar a, .mbar button { display: flex; align-items: center; justify-content: center; gap: 6px; min-height: 48px; border: 0; border-radius: 15px; background: var(--soft); font: 600 14px var(--f-head); color: var(--navy); cursor: pointer; }
.mbar .ms { font-size: 21px; }
.mbar .mbar-main { background: var(--blue); color: #fff; }
.wa-float { position: fixed; z-index: 44; right: 24px; bottom: 24px; display: inline-flex; align-items: center; gap: 8px; min-height: 52px; padding: 0 22px 0 16px; border-radius: 999px; background: var(--grad); color: #fff; font: 600 15px var(--f-head); box-shadow: 0 16px 36px -12px rgba(10, 79, 224, .7); opacity: 0; transform: translateY(16px); pointer-events: none; transition: opacity .3s, transform .3s var(--ease); }
.wa-float.is-visible { opacity: 1; transform: none; pointer-events: auto; }
.wa-float:hover { color: #fff; transform: translateY(-2px); }
@media (max-width: 820px) {
  .mbar { display: grid; }
  .wa-float { display: none; }
  body { padding-bottom: 88px; }
  .dialog-open .mbar, .menu-open .mbar { transform: translateY(140%); }
}

/* ---------- Páginas de producto ---------- */
.subnav { position: sticky; top: 68px; z-index: 30; background: rgba(255, 255, 255, .92); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px); border-bottom: 1px solid var(--mist); }
.subnav nav { display: flex; gap: 6px; overflow-x: auto; padding: 10px 0; scrollbar-width: none; }
.subnav nav::-webkit-scrollbar { display: none; }
.subnav a { display: inline-flex; align-items: center; gap: 6px; flex: none; padding: 8px 14px; border-radius: 999px; font: 600 14px var(--f-head); color: var(--slate); white-space: nowrap; transition: background .2s, color .2s; }
.subnav a .ms { font-size: 19px; }
.subnav a:hover { background: var(--soft); color: var(--navy); }
.subnav a.is-active { background: var(--tint); color: var(--blue); }
.prods .sec-head { margin-top: 0; }
.prod { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(24px, 4vw, 64px); padding: clamp(28px, 4vw, 48px); margin-bottom: 20px; background: #fff; border: 1px solid var(--mist); border-radius: var(--r-xl); scroll-margin-top: 140px; transition: box-shadow .4s; }
.prod:target { box-shadow: 0 0 0 3px rgba(10, 124, 255, .4); }
.prod-ic { display: grid; place-items: center; width: 60px; height: 60px; border-radius: 18px; background: var(--grad); color: #fff; margin-bottom: 20px; }
.prod-ic .ms { font-size: 32px; }
.prod-title { font: 400 clamp(28px, 3vw, 38px)/1.1 var(--f-head); }
.prod-blurb { font-size: 18px; color: var(--slate); margin: 14px 0 18px; }
.prod-need { font-size: 15.5px; margin-bottom: 26px; color: var(--ink); }
.prod-need strong { color: var(--navy); }
.prod-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; }
.prod-side { display: grid; gap: 16px; align-content: start; padding: 28px; border-radius: var(--r-l); background: var(--soft); }
.section--soft .prod-side { background: var(--soft); }
.prod-side h3 { font-size: 15px; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); }
.prod-tip { display: flex; gap: 12px; padding: 16px; border-radius: 14px; background: #fff; border: 1px dashed rgba(10, 79, 224, .4); font-size: 14.5px; line-height: 1.5; color: var(--slate); }
.prod-tip .ms { color: var(--blue); font-size: 22px; }
.prod-tip strong { color: var(--navy); }
@media (max-width: 900px) { .prod { grid-template-columns: 1fr; } }

.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip-btn { display: inline-flex; align-items: center; gap: 8px; min-height: 46px; padding: 0 18px; border: 1.5px solid var(--mist); border-radius: 999px; background: #fff; font: 600 15px var(--f-head); color: var(--navy); cursor: pointer; transition: background .2s, color .2s, border-color .2s; }
.chip-btn .ms { font-size: 20px; color: var(--blue); }
.chip-btn:hover { border-color: var(--blue); }
.chip-btn[aria-selected='true'], .chip-btn[aria-pressed='true'], .chip-btn.is-on { background: var(--blue); border-color: var(--blue); color: #fff; }
.chip-btn[aria-selected='true'] .ms, .chip-btn[aria-pressed='true'] .ms, .chip-btn.is-on .ms { color: #fff; }
.pack-panel { margin-top: 28px; animation: stepIn .4s var(--ease); }
.pack-panel[hidden] { display: none; }
.pack-note { color: var(--slate); margin-bottom: 18px; }
.pack-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 12px; }
.pack-item { display: flex; gap: 14px; align-items: flex-start; padding: 18px; background: #fff; border: 1px solid var(--mist); border-radius: var(--r-m); color: inherit; transition: border-color .2s, transform .2s, box-shadow .2s; }
.pack-item:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow-s); color: inherit; }
.pack-ic { display: grid; place-items: center; flex: none; width: 44px; height: 44px; border-radius: 50%; background: var(--tint); color: var(--blue); }
.pack-item strong { display: block; font: 600 16px/1.25 var(--f-head); color: var(--navy); margin-bottom: 4px; }
.pack-item small { display: block; font-size: 13.5px; line-height: 1.4; color: var(--slate); }
.pack-cta { margin-top: 24px; }
.adv-areas { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 20px; }
.area { display: grid; gap: 10px; align-content: start; padding: 28px; border-radius: var(--r-l); background: var(--soft); }
.area-ic { display: grid; place-items: center; width: 50px; height: 50px; border-radius: 15px; background: #fff; color: var(--blue); box-shadow: var(--shadow-s); }
.area h3 { font-size: 19px; }
.area p { font-size: 15px; color: var(--slate); }
.notice { display: flex; gap: 20px; padding: 28px 32px; background: #FFF8E6; border: 1px solid #F0D58A; border-radius: var(--r-l); color: #5B4300; }
.notice .ms { font-size: 34px; color: #B77A00; }
.notice h2 { font: 600 20px var(--f-head); color: #5B4300; margin-bottom: 8px; }
.notice p { font-size: 15px; line-height: 1.6; }

/* ---------- Siniestros (página) ---------- */
.clm-flow { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.clm-flow li { position: relative; display: grid; gap: 10px; align-content: start; padding: 28px; background: #fff; border: 1px solid var(--mist); border-radius: var(--r-l); }
.clm-flow-n { position: absolute; top: 18px; right: 22px; font: 300 52px/1 var(--f-head); color: var(--mist); }
.clm-flow-ic { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 16px; background: var(--tint); color: var(--blue); }
.clm-flow-ic .ms { font-size: 28px; }
.clm-flow h3 { font-size: 20px; margin-top: 4px; }
.clm-flow p { font-size: 15px; color: var(--slate); }
@media (max-width: 960px) { .clm-flow { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .clm-flow { grid-template-columns: 1fr; } }
.guide-list { list-style: none; counter-reset: g; display: grid; gap: 12px; max-width: 760px; }
.guide-list li { counter-increment: g; display: flex; gap: 16px; align-items: flex-start; padding: 18px 20px; background: #fff; border-radius: var(--r-m); border: 1px solid var(--mist); line-height: 1.5; }
.guide-list li::before { content: counter(g); flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--blue); color: #fff; font: 700 14px var(--f-head); }
.dir-tools { display: grid; gap: 16px; margin-bottom: 8px; }
.search { position: relative; }
.search > .ms { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); color: var(--slate); pointer-events: none; }
.search input { padding-left: 48px; }
.search--lg input { min-height: 60px; font-size: 17px; border-radius: 18px; }
.dir-count { margin: 12px 0 16px; font-size: 14px; color: var(--slate); }
.dir-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); gap: 14px; }
.dir-item { display: grid; grid-template-columns: 1fr auto; grid-template-areas: 'ins call' 'svc call' 'num call'; gap: 2px 12px; padding: 18px 20px; background: #fff; border: 1px solid var(--mist); border-radius: var(--r-m); color: inherit; transition: border-color .2s, transform .2s var(--ease), box-shadow .2s; }
.dir-item:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow-s); color: inherit; }
.dir-item[hidden] { display: none; }
.dir-item .dir-ins { grid-area: ins; font: 600 19px var(--f-head); color: var(--navy); }
.dir-item .dir-svc { grid-area: svc; font-size: 13.5px; color: var(--slate); }
.dir-item .dir-num { grid-area: num; margin-top: 6px; font: 600 21px var(--f-head); color: var(--blue); }
.dir-item .dir-call { grid-area: call; align-self: center; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; background: var(--tint); color: var(--blue); transition: background .2s, color .2s; }
.dir-item:hover .dir-call { background: var(--blue); color: #fff; }
.dir .dir-empty { color: var(--slate); padding: 24px 4px; }
.channels { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); gap: 16px; }
.channel { display: grid; gap: 4px; align-content: start; padding: 24px; background: var(--soft); border-radius: var(--r-l); color: var(--ink); transition: transform .25s var(--ease), box-shadow .25s, background .25s; }
.channel:hover { transform: translateY(-3px); box-shadow: var(--shadow-m); background: #fff; color: var(--ink); }
.channel .ms { font-size: 32px; color: var(--blue); margin-bottom: 8px; }
.channel strong { font: 600 18px var(--f-head); color: var(--navy); }
.channel span:not(.ms) { font-size: 15px; color: var(--slate); overflow-wrap: anywhere; }
.channel--lg { background: #fff; border: 1px solid var(--mist); padding: 26px; }

/* ---------- Herramientas ---------- */
.tools-stack { display: grid; gap: 24px; }
.tool { padding: clamp(24px, 4vw, 44px); background: #fff; border: 1px solid var(--mist); border-radius: var(--r-xl); scroll-margin-top: 140px; }
.tool-head { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 28px; }
.tool-head h2 { font: 400 clamp(26px, 3vw, 34px)/1.1 var(--f-head); margin-bottom: 8px; }
.tool-head p { color: var(--slate); max-width: 62ch; }
.tool-body { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(24px, 4vw, 56px); }
.tool-body--single { grid-template-columns: 1fr; max-width: 780px; }
.tool-form { display: grid; gap: 20px; align-content: start; }
.tool-out { display: grid; gap: 6px; align-content: start; justify-items: start; padding: clamp(22px, 3vw, 32px); background: var(--soft); border-radius: var(--r-l); }
.out-label { font: 600 12.5px var(--f-head); letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-top: 6px; }
.out-big { font: 300 clamp(40px, 5vw, 60px)/1.05 var(--f-head); letter-spacing: -.02em; background: linear-gradient(125deg, var(--deep), var(--mid)); -webkit-background-clip: text; background-clip: text; color: transparent; font-variant-numeric: tabular-nums; }
.out-big--sm { font-size: clamp(28px, 3vw, 38px); }
.out-note { margin: 10px 0 14px; font-size: 13.5px; line-height: 1.55; color: var(--slate); }
.out-note--warn { padding: 12px 14px; border-radius: 12px; background: #FFF8E6; color: #5B4300; }
.range { width: 100%; height: 32px; accent-color: var(--blue); cursor: pointer; }
.range-out { color: var(--blue); font-weight: 700; }
.bar { display: flex; width: 100%; height: 14px; margin: 8px 0 4px; border-radius: 99px; overflow: hidden; background: var(--mist); }
.bar i { display: block; height: 100%; transition: width .5s var(--ease); }
.bar i:first-child { background: var(--navy); }
.bar i:last-child { background: var(--cyan); }
.bar-legend { display: flex; flex-wrap: wrap; gap: 6px 20px; font-size: 14px; color: var(--slate); }
.bar-legend b { color: var(--navy); font-weight: 600; }
.dot { display: inline-block; width: 10px; height: 10px; margin-right: 6px; border-radius: 50%; }
.dot--a { background: var(--navy); }
.dot--b { background: var(--cyan); }
@media (max-width: 860px) { .tool-body { grid-template-columns: 1fr; } .tool-head { flex-direction: column; gap: 12px; } }

/* ---------- Contacto / legal ---------- */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(24px, 4vw, 64px); align-items: start; }
.contact-channels { display: grid; gap: 14px; }
.form-card { padding: clamp(24px, 4vw, 40px); background: #fff; border: 1px solid var(--mist); border-radius: var(--r-xl); box-shadow: var(--shadow-m); }
.form-card h2 { font: 400 clamp(26px, 3vw, 34px)/1.1 var(--f-head); }
.why-us { display: grid; gap: 24px; align-content: start; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
.legal { max-width: 820px; }
.legal h2 { font: 400 clamp(26px, 3vw, 34px)/1.15 var(--f-head); margin: 56px 0 18px; scroll-margin-top: 120px; }
.legal h3 { font-size: 19px; margin: 28px 0 10px; }
.legal p, .legal li { margin-bottom: 14px; color: var(--ink); }
.legal ul { padding-left: 22px; }
.legal-nav { display: flex; flex-wrap: wrap; gap: 8px; }
.legal-nav a { padding: 9px 16px; border-radius: 999px; background: var(--soft); font: 600 14px var(--f-head); color: var(--navy); }
.legal-nav a:hover { background: var(--tint); color: var(--blue); }
.todo { background: #FFF3B0; padding: 1px 6px; border-radius: 5px; color: #4A3B00; }

/* ---------- Conceptos ---------- */
.essentials { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 16px; }
.ess { display: grid; gap: 10px; align-content: start; padding: 24px; border-radius: var(--r-l); background: var(--soft); color: inherit; transition: transform .25s var(--ease), box-shadow .25s, background .25s; }
.ess:hover { background: #fff; box-shadow: var(--shadow-m); transform: translateY(-3px); color: inherit; }
.ess h3 { font-size: 22px; }
.ess p { font-size: 15px; color: var(--slate); }
.ess-ex { padding: 10px 12px; border-radius: 10px; background: #fff; font-size: 13.5px; line-height: 1.45; color: var(--navy); }
.ess:hover .ess-ex { background: var(--tint); }
.ess-ex::before { content: 'Ejemplo · '; font-weight: 700; color: var(--blue); }
.gl-tools { position: sticky; top: 68px; z-index: 20; display: grid; gap: 12px; padding: 14px 0; margin-top: -4px; background: var(--soft); }
.az { display: flex; flex-wrap: wrap; gap: 4px; }
.az a, .az span { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; font: 600 14px var(--f-head); }
.az a { background: #fff; color: var(--blue); }
.az a:hover { background: var(--blue); color: #fff; }
.az span { color: #B6C1D9; }
.gl-count { margin: 12px 0 0; font-size: 14px; color: var(--slate); }
.gl-group { margin-top: 36px; scroll-margin-top: 200px; }
.gl-group[hidden] { display: none; }
.gl-letter { font: 300 64px/1 var(--f-head); color: var(--blue); }
.gl-list { margin: 14px 0 0; border-top: 1px solid var(--mist); }
.gl-item { display: grid; grid-template-columns: minmax(160px, 260px) 1fr; gap: 8px 32px; padding: 18px 0; border-bottom: 1px solid var(--mist); scroll-margin-top: 200px; }
.gl-item[hidden] { display: none; }
.gl-item dt { font: 600 19px/1.3 var(--f-head); color: var(--navy); }
.gl-item dd { margin: 0; color: var(--slate); line-height: 1.55; }
.gl-item:target { background: var(--tint); margin-inline: -16px; padding-inline: 16px; border-radius: 12px; }
.gl-ex { display: block; margin-top: 10px; padding: 10px 14px; border-radius: 10px; background: var(--tint); font-size: 14px; color: var(--navy); }
.gl-none { margin-top: 32px; padding: 32px; border-radius: var(--r-l); background: #fff; text-align: center; color: var(--slate); }
@media (max-width: 700px) { .gl-item { grid-template-columns: 1fr; gap: 4px; } }

/* ---------- Reveal y animaciones ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: var(--d, 0s); }
.js .reveal.in { opacity: 1; transform: none; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes float { from { transform: translate(0, 0) rotate(0); } to { transform: translate(-2%, 4%) rotate(2deg); } }
@keyframes marquee { to { transform: translateX(-100%); } }
@keyframes stepIn { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: none; } }
@keyframes pop { from { opacity: 0; transform: translateY(16px) scale(.97); } to { opacity: 1; transform: none; } }
@keyframes sheet { from { transform: translateY(100%); } to { transform: none; } }
@keyframes fade { from { opacity: 0; } to { opacity: 1; } }
@keyframes dot { 0%, 100% { transform: translateY(0); opacity: .4; } 50% { transform: translateY(-4px); opacity: 1; } }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; transition-delay: 0s !important; }
  .js .reveal { opacity: 1; transform: none; }
  .hero-ribbon path, .phero-ribbon path, .cta-ribbon path, .u-loop path, .how-wave path { stroke-dashoffset: 0 !important; }
  .marquee { -webkit-mask-image: none; mask-image: none; }
  .marquee-track { flex-wrap: wrap; justify-content: center; animation: none; }
  .marquee-track[aria-hidden='true'] { display: none; }
}
@media print { .site-header, .mbar, .wa-float, .subnav, .cta-band { display: none; } }

/* ---------- Aviso de cookies (solo si hay analítica configurada) ---------- */
.consent { position: fixed; z-index: 60; left: 16px; bottom: 16px; max-width: 360px; display: grid; gap: 12px; padding: 18px; border-radius: var(--r-l); background: #fff; box-shadow: var(--shadow-l), 0 0 0 1px var(--mist); font-size: 14.5px; color: var(--slate); }
.consent > div { display: flex; gap: 8px; }
.consent .btn { flex: 1; }
@media (max-width: 820px) { .consent { left: 12px; right: 12px; bottom: 100px; max-width: none; } }