:root{
    --navy:#1B203D;
    --teal:#2AB1A3;
    --teal-ink:#1E7F75;  /* teal accesible para texto sobre fondo claro */
    --pink:#E74178;
    --ink:#33415e;
    --bg:#ffffff;
    --bg-soft:#f6f8fa;
    --wa:#25d366;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{font-family:'Plus Jakarta Sans',sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
  img{max-width:100%;display:block}
  a{text-decoration:none;color:inherit}

  /* Tipografía de marca: Sora en títulos */
  h1,h2,h3,nav a,.logo,.slide p,.page-hero h1,.stat-num{font-family:'Sora',sans-serif}

  /* ============ HEADER ============ */
  header{
    position:absolute;top:0;left:0;right:0;z-index:50;
    display:flex;align-items:center;justify-content:space-between;
    padding:28px 6vw;
  }
  /* Animación logo al hover */
  .logo img{height:34px;width:auto;transition:transform .4s ease,filter .4s ease}
  .logo:hover img{
    transform:scale(1.06);
    filter:drop-shadow(0 0 8px rgba(42,177,163,.65)) drop-shadow(0 0 18px rgba(42,177,163,.3));
  }
  nav{display:flex;align-items:center;gap:38px}
  nav a{
    display:inline-flex;align-items:center;
    color:#fff;font-size:.9rem;font-weight:600;
    letter-spacing:.16em;text-transform:uppercase;
    padding:6px 0;                    /* simétrico: mismo espacio arriba y abajo */
    border-bottom:2px solid transparent;
    transition:color .25s,border-color .25s;
  }
  nav a:hover{color:var(--teal)}
  nav a.activo{color:var(--teal);border-color:var(--teal)}
  nav a.contactate{
    position:relative;overflow:hidden;
    border:none;border-radius:40px;line-height:1;
    padding:11px 26px;color:#fff;font-weight:600;font-size:.78rem;letter-spacing:.18em;
    background:linear-gradient(120deg,var(--teal),#1f8f86 55%,var(--pink));
    background-size:160% 160%;background-position:0% 50%;
    box-shadow:0 6px 18px rgba(42,177,163,.35);
    transition:background-position .6s ease,box-shadow .35s ease,transform .35s ease;
  }
  /* brillo que cruza el botón al hover */
  nav a.contactate::after{
    content:"";position:absolute;top:0;left:-60%;width:45%;height:100%;
    background:linear-gradient(100deg,transparent,rgba(255,255,255,.45),transparent);
    transform:skewX(-18deg);transition:left .6s ease;
  }
  nav a.contactate:hover{
    background-position:100% 50%;
    transform:translateY(-2px);
    box-shadow:0 10px 26px rgba(231,65,120,.4),0 0 0 1px rgba(255,255,255,.15) inset;
    color:#fff;
  }
  nav a.contactate:hover::after{left:120%}
  .menu-btn{display:none;background:none;border:0;cursor:pointer;z-index:60}
  .menu-btn span{display:block;width:26px;height:2px;background:#fff;margin:6px 0;border-radius:2px;transition:.3s}

  /* ============ HERO ============ */
  .hero{
    position:relative;min-height:56vh;
    background:url('../img/hero-bg.jpg') center/cover no-repeat;
    background-image:-webkit-image-set(url('../img/hero-bg.webp') type('image/webp'), url('../img/hero-bg.jpg') type('image/jpeg'));
    background-image:image-set(url('../img/hero-bg.webp') type('image/webp'), url('../img/hero-bg.jpg') type('image/jpeg'));
    background-position:center;background-size:cover;background-repeat:no-repeat;
    display:flex;align-items:center;justify-content:center;
  }
  .hero::after{
    content:"";position:absolute;inset:0;
    background:linear-gradient(180deg,rgba(27,32,61,.45) 0%,rgba(27,32,61,.30) 40%,rgba(27,32,61,.62) 100%);
  }
  .hero-inner{position:relative;z-index:2;text-align:center;padding:0 24px}
  .slides{position:relative;width:min(860px,92vw);height:9.2rem;display:flex;align-items:center;justify-content:center}
  @media (max-width:680px){.slides{height:7.5rem}}
  .slide{
    position:absolute;inset:0;display:flex;align-items:center;justify-content:center;
    opacity:0;transform:translateY(12px);transition:opacity .8s ease,transform .8s ease;
    pointer-events:none;
  }
  .slide.visible{opacity:1;transform:translateY(0)}
  .slide p{
    color:#fff;font-weight:300;font-size:clamp(2rem,5vw,3.4rem);
    line-height:1.25;text-shadow:0 2px 24px rgba(0,0,0,.35);
  }
  .slide p strong{font-weight:700}
  .visually-hidden{
    position:absolute;width:1px;height:1px;padding:0;margin:-1px;
    overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;
  }
  .dots{margin-top:26px;display:flex;gap:10px;justify-content:center}
  .dot{
    width:9px;height:9px;border-radius:50%;border:0;cursor:pointer;
    background:rgba(255,255,255,.45);transition:background .3s,transform .3s;
  }
  .dot.activo{background:#fff;transform:scale(1.25)}

  /* ============ ÍCONOS ============ */
  .ramas{padding:46px 6vw 64px;background:var(--bg)}
  .ramas-grid{
    max-width:1080px;margin:0 auto;display:grid;
    grid-template-columns:repeat(6,1fr);gap:24px;
  }
  .rama{
    display:flex;flex-direction:column;align-items:center;gap:14px;
    text-align:center;
  }
  .rama .circ,.card .circ{
    width:92px;height:92px;border-radius:50%;position:relative;
    display:flex;align-items:center;justify-content:center;
    border:1.5px solid #d8dee8;background:#fff;
    transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;
  }
  .rama .circ::before,.card .circ::before{
    content:"";position:absolute;inset:-1.5px;border-radius:50%;
    border:1.5px solid transparent;
    border-top-color:var(--pink);border-right-color:var(--pink);
    transform:rotate(-45deg);
    transition:transform .6s ease,filter .6s ease;
  }
  /* arco turquesa inferior: aparece al iluminar */
  .rama .circ::after,.card .circ::after{
    content:"";position:absolute;inset:-1.5px;border-radius:50%;
    border:1.5px solid transparent;
    border-bottom-color:var(--teal);border-left-color:var(--teal);
    transform:rotate(-45deg);opacity:0;
    transition:transform .6s ease,opacity .4s ease,filter .6s ease;
  }
  .rama:hover .circ,.card:hover .circ{
    transform:translateY(-5px);
    border-color:transparent;
    box-shadow:0 -10px 26px rgba(231,65,120,.45),
               0 -3px 10px rgba(231,65,120,.25),
               0 10px 26px rgba(42,177,163,.45),
               0 3px 10px rgba(42,177,163,.25);
  }
  .rama:hover .circ::before,.card:hover .circ::before{
    transform:rotate(315deg);
    filter:drop-shadow(0 -2px 7px rgba(231,65,120,.85));
  }
  .rama:hover .circ::after,.card:hover .circ::after{
    opacity:1;transform:rotate(315deg);
    filter:drop-shadow(0 2px 7px rgba(42,177,163,.85));
  }
  .rama:hover svg,.card:hover .circ svg{stroke:var(--teal)}
  .rama svg,.card .circ svg{transition:stroke .4s ease}

  /* En pantallas táctiles (sin mouse): animación sutil permanente */
  @media (hover:none){
    .rama .circ::before{animation:girarArco 7s linear infinite}
    .rama .circ::after{
      opacity:1;animation:girarArco 7s linear infinite;
    }
    .rama .circ{animation:latido 3.5s ease-in-out infinite}
    .rama:nth-child(2) .circ,.rama:nth-child(2) .circ::before,.rama:nth-child(2) .circ::after{animation-delay:.5s}
    .rama:nth-child(3) .circ,.rama:nth-child(3) .circ::before,.rama:nth-child(3) .circ::after{animation-delay:1s}
    .rama:nth-child(4) .circ,.rama:nth-child(4) .circ::before,.rama:nth-child(4) .circ::after{animation-delay:1.5s}
    .rama:nth-child(5) .circ,.rama:nth-child(5) .circ::before,.rama:nth-child(5) .circ::after{animation-delay:2s}
    .rama:nth-child(6) .circ,.rama:nth-child(6) .circ::before,.rama:nth-child(6) .circ::after{animation-delay:2.5s}
  }
  @keyframes girarArco{
    from{transform:rotate(-45deg)}
    to{transform:rotate(315deg)}
  }
  @keyframes latido{
    0%,100%{box-shadow:0 0 0 0 rgba(0,0,0,0)}
    50%{box-shadow:0 -8px 20px rgba(231,65,120,.32),
                   0 8px 20px rgba(42,177,163,.32)}
  }
  @media (prefers-reduced-motion:reduce){
    .rama .circ,.rama .circ::before,.rama .circ::after{animation:none !important}
  }
  .rama svg,.card .circ svg{width:42px;height:42px;stroke:var(--navy);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
  /* íconos del home más grandes (sin afectar las tarjetas de seguros) */
  .rama .circ{width:110px;height:110px}
  .rama svg{width:52px;height:52px}
  .rama span{
    font-size:.7rem;font-weight:600;letter-spacing:.1em;
    text-transform:uppercase;color:var(--navy);
    max-width:13ch;line-height:1.3;
  }

  /* ============ CERCA ============ */
  .cerca{background:var(--bg-soft);padding:90px 6vw}
  .cerca-grid{
    max-width:1100px;margin:0 auto;display:grid;
    grid-template-columns:0.9fr 1.1fr;gap:64px;align-items:center;
  }
  .cerca-foto{position:relative;border-radius:6px;overflow:hidden;box-shadow:0 24px 60px rgba(27,32,61,.14)}
  .cerca-foto::after{
    content:"";position:absolute;left:0;right:0;bottom:0;height:7px;
    background:linear-gradient(90deg,var(--pink),var(--teal));
  }
  .cerca-foto img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/4.6}
  .cerca-texto h2{
    font-size:clamp(1.8rem,3.4vw,2.6rem);line-height:1.2;
    font-weight:400;color:var(--teal-ink);margin-bottom:22px;
  }
  .cerca-texto h2 strong{display:block;color:var(--navy);font-weight:700}
  .cerca-texto p{max-width:46ch;margin-bottom:14px}
  .btn{
    display:inline-block;margin-top:18px;padding:14px 34px;border-radius:40px;
    background:var(--navy);color:#fff;font-weight:600;font-size:.85rem;
    letter-spacing:.08em;text-transform:uppercase;
    transition:background .3s,transform .3s,box-shadow .3s;
  }
  .btn:hover{background:var(--teal);transform:translateY(-2px);box-shadow:0 12px 26px rgba(42,177,163,.3)}

  /* ============ FOOTER ============ */
  footer{background:var(--navy);color:#aeb8d0;padding:56px 6vw 28px}
  .foot-grid{
    max-width:1100px;margin:0 auto;display:flex;flex-wrap:wrap;
    justify-content:space-between;align-items:flex-start;gap:36px;
  }
  footer .logo img{height:30px}
  .foot-col h4{color:#fff;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}
  .foot-col a{display:block;font-size:.88rem;margin-bottom:8px;transition:color .25s}
  .foot-col a:hover{color:var(--teal)}
  .legal{max-width:1100px;margin:44px auto 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.75rem;text-align:center}
  .legal .mat{display:block;color:#cdd5e6;font-weight:600;letter-spacing:.02em;margin-bottom:6px}

  /* ============ WHATSAPP FLOTANTE ============ */
  .wa-float{
    position:fixed;right:22px;bottom:22px;z-index:90;
    width:58px;height:58px;border-radius:50%;background:var(--wa);
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 10px 26px rgba(0,0,0,.25);transition:transform .3s;
  }
  .wa-float:hover{transform:scale(1.08)}
  .wa-float svg{width:30px;height:30px;fill:#fff}

  /* ============ REVEAL ============ */
  .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
  .reveal.in{opacity:1;transform:none}
  @media (prefers-reduced-motion:reduce){
    .reveal{opacity:1;transform:none;transition:none}
    .slide{transition:none}
  }

  /* ============ RESPONSIVE ============ */
  @media (max-width:960px){
    .ramas-grid{grid-template-columns:repeat(4,1fr);gap:30px}
    .cerca-grid{grid-template-columns:1fr;gap:40px}
    .cerca-foto{max-width:420px;margin:0 auto}
  }
  @media (max-width:680px){
    .menu-btn{display:block}
    nav{
      position:fixed;inset:0;background:rgba(27,32,61,.96);
      flex-direction:column;align-items:center;justify-content:center;gap:30px;
      opacity:0;pointer-events:none;transition:opacity .3s;
    }
    nav.abierto{opacity:1;pointer-events:auto}
    nav a{font-size:.95rem}
    .ramas-grid{grid-template-columns:repeat(2,1fr)}
    .hero{min-height:56vh}
  }

/* ============ SUBPÁGINAS ============ */
.page-hero{
  position:relative;
  background:linear-gradient(135deg,#1B203D 0%,#243763 55%,#1B203D 100%);
  padding:160px 6vw 70px;text-align:center;overflow:hidden;
}
.page-hero::before{
  content:"";position:absolute;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(42,177,163,.25),transparent 65%);
  top:-200px;right:-120px;
}
.page-hero::after{
  content:"";position:absolute;width:420px;height:420px;border-radius:50%;
  background:radial-gradient(circle,rgba(231,65,120,.18),transparent 65%);
  bottom:-200px;left:-100px;
}
.page-hero h1{
  position:relative;z-index:1;color:#fff;font-weight:300;
  font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.2;
}
.page-hero h1 strong{font-weight:700;color:var(--teal)}
.page-hero p{
  position:relative;z-index:1;color:#b9c3dc;max-width:54ch;
  margin:14px auto 0;font-size:.98rem;
}

.bloque{padding:80px 6vw}
.bloque.alt{background:var(--bg-soft)}
.bloque-inner{max-width:1100px;margin:0 auto}
.bloque h2{
  font-size:clamp(1.5rem,2.8vw,2.1rem);color:var(--navy);
  font-weight:600;margin-bottom:14px;
}
.bloque h2 span{color:var(--teal-ink)}
.bloque > .bloque-inner > p{max-width:64ch}

/* tarjetas de seguros */
.cards{
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px;
}
.card{
  background:#fff;border:1px solid #e4e9f0;border-radius:12px;
  padding:34px 28px;display:flex;flex-direction:column;gap:14px;
  transition:transform .3s ease,box-shadow .3s ease;
}
.card:hover{
  transform:translateY(-6px);
  box-shadow:0 -10px 26px rgba(231,65,120,.16),0 14px 30px rgba(42,177,163,.18);
}
.card .circ{align-self:flex-start}
.card h3{color:var(--navy);font-size:1.05rem;font-weight:600}
.card p{font-size:.9rem}
.card .link-wa{
  margin-top:auto;font-size:.8rem;font-weight:600;color:var(--teal-ink);
  letter-spacing:.06em;text-transform:uppercase;
}
.card .link-wa:hover{color:var(--pink)}

/* logos de compañías */
.logos-grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:44px;
}
.logo-box{
  background:#fff;border:1px solid #e4e9f0;border-radius:10px;
  min-height:110px;display:flex;align-items:center;justify-content:center;
  padding:16px;transition:transform .3s,box-shadow .3s,border-color .3s;
}
.logo-box:hover{transform:translateY(-4px);border-color:var(--teal);box-shadow:0 12px 26px rgba(27,32,61,.1)}
.logo-box img{max-width:82%;max-height:56px;object-fit:contain;filter:grayscale(1);opacity:.7;transition:filter .3s,opacity .3s}
.logo-box:hover img{filter:none;opacity:1}
.logo-box.no-logo img{display:none}
.logo-box .logo-nombre{display:none;color:#9aa6bb;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;text-align:center}
.logo-box.no-logo .logo-nombre{display:block}

/* valores / beneficios */
.items{
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px;
}
.item{padding:6px 0}
.item .num{
  font-size:1.6rem;font-weight:700;color:var(--teal-ink);
  display:block;margin-bottom:8px;
}
.item h3{color:var(--navy);font-size:1rem;font-weight:600;margin-bottom:6px}
.item p{font-size:.9rem}
.sit-ic{display:block;margin-bottom:14px}
.sit-ic img{width:56px;height:56px;display:block}

/* franja CTA */
.cta-franja{
  background:linear-gradient(120deg,var(--navy),#243763);
  text-align:center;padding:70px 6vw;
}
.cta-franja h2{color:#fff;font-weight:400;font-size:clamp(1.4rem,2.6vw,2rem);margin-bottom:8px}
.cta-franja h2 strong{font-weight:700;color:var(--teal)}
.cta-franja p{color:#b9c3dc;margin-bottom:8px}

@media (max-width:960px){
  .cards,.items{grid-template-columns:repeat(2,1fr)}
  .logos-grid{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:680px){
  .cards,.items{grid-template-columns:1fr}
  .logos-grid{grid-template-columns:repeat(2,1fr)}
  .page-hero{padding:130px 6vw 56px}
}

/* botón sobre franja azul */
.cta-franja .btn{background:var(--teal);color:var(--navy);margin-top:14px}
.cta-franja .btn:hover{background:#fff;box-shadow:0 12px 26px rgba(0,0,0,.3)}

/* ============ ESTADÍSTICAS ============ */
.stats-franja{background:var(--bg);padding:64px 6vw;border-top:1px solid #eef1f5}
.stats-grid{
  max-width:760px;margin:0 auto;display:grid;
  grid-template-columns:repeat(3,1fr);gap:24px;text-align:center;
}
.stat-num{
  display:block;font-size:clamp(2rem,4vw,2.8rem);font-weight:700;
  color:var(--teal-ink);line-height:1.1;
}
.stat-label{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);font-weight:600}
@media (max-width:680px){.stats-grid{grid-template-columns:1fr;gap:30px}}

/* ============ NOSOTROS estilo Zama (aire limpio) ============ */
.intro-claim{max-width:760px;margin:0 auto;text-align:center;padding:84px 6vw 0}
.intro-claim h2{font-size:clamp(1.8rem,3.6vw,2.6rem);color:var(--navy);font-weight:600;line-height:1.25;margin-bottom:18px}
.intro-claim h2 span{color:var(--teal-ink)}
.intro-claim p{color:var(--ink);font-size:1.02rem}

/* valores minimalistas: ícono + título + 1 frase */
.valores{padding:70px 6vw 90px}
.valores-grid{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:48px 34px}
.valor{text-align:center;display:flex;flex-direction:column;align-items:center;gap:14px}
.valor .v-ic{width:130px;height:130px;display:flex;align-items:center;justify-content:center}
.valor .v-ic img{width:100%;height:100%;object-fit:contain;transition:transform .35s ease}
.valor:hover .v-ic img{transform:translateY(-5px) scale(1.04)}
.valor h3{font-size:1.05rem;color:var(--navy);font-weight:600}
.valor p{font-size:.92rem;color:var(--ink);max-width:30ch}
.valor .v-line{width:34px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--pink),var(--teal));margin-top:2px}

/* bloque historia: foto + texto, aire amplio */
.historia{padding:90px 6vw;background:var(--bg-soft)}
.historia-grid{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.historia-foto{position:relative;border-radius:10px;overflow:hidden;box-shadow:0 24px 60px rgba(27,32,61,.14)}
.historia-foto::after{content:"";position:absolute;left:0;right:0;bottom:0;height:6px;background:linear-gradient(90deg,var(--pink),var(--teal))}
.historia-foto img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/4.4}
.historia h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);font-weight:600;margin-bottom:8px}
.historia h2 span{color:var(--teal-ink)}
.historia .sub{color:var(--teal-ink);font-weight:600;letter-spacing:.04em;font-size:.85rem;text-transform:uppercase;margin-bottom:14px}
.historia p{color:var(--ink);margin-bottom:14px;max-width:48ch}

@media (max-width:900px){
  .valores-grid{grid-template-columns:repeat(2,1fr);gap:44px 28px}
  .historia-grid{grid-template-columns:1fr;gap:40px}
  .historia-foto{max-width:430px;margin:0 auto}
}
@media (max-width:560px){
  .valores-grid{grid-template-columns:1fr}
}

/* ============ PÁGINA SEGUROS: categorías + chips ============ */
.cat-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:44px;
}
.cat-grid .card{scroll-margin-top:90px}
.cat-grid .card h3{font-size:1.15rem;font-weight:700}
.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:6px}
.chip{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.83rem;font-weight:500;color:var(--navy);
  background:var(--bg-soft);border:1px solid #e4e9f0;border-radius:30px;
  padding:8px 15px;line-height:1;
  transition:background .25s,color .25s,border-color .25s,transform .2s,box-shadow .25s;
}
.chip::after{
  content:"\203A";font-size:1.05rem;line-height:1;color:var(--teal);
  transition:transform .25s,color .25s;
}
.chip:hover{
  background:var(--navy);color:#fff;border-color:var(--navy);
  transform:translateY(-2px);box-shadow:0 8px 18px rgba(27,32,61,.18);
}
.chip:hover::after{color:#fff;transform:translateX(3px)}
@media (max-width:860px){
  .cat-grid{grid-template-columns:1fr}
}

/* ============ HOME: secciones nuevas ============ */
.home-intro{padding:84px 6vw 30px;text-align:center}
.home-intro h2{font-size:clamp(1.7rem,3.4vw,2.4rem);color:var(--navy);font-weight:600;max-width:18ch;margin:0 auto 16px;line-height:1.25}
.home-intro h2 span{color:var(--teal-ink)}
.home-intro p{color:var(--ink);max-width:62ch;margin:0 auto;font-size:1.02rem}

.como{padding:50px 6vw 80px}
.como-grid{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.como-item{text-align:center;display:flex;flex-direction:column;align-items:center;gap:12px}
.como-item .c-ic{width:64px;height:64px;display:flex;align-items:center;justify-content:center}
.como-item .c-ic svg{width:50px;height:50px;stroke:var(--teal);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.como-item h3{color:var(--navy);font-size:1.05rem;font-weight:600}
.como-item p{color:var(--ink);font-size:.92rem;max-width:32ch}

.porque{background:linear-gradient(120deg,var(--navy),#243763);padding:80px 6vw;color:#fff}
.porque-inner{max-width:1080px;margin:0 auto}
.porque h2{text-align:center;color:#fff;font-weight:600;font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:10px}
.porque h2 span{color:var(--teal)}
.porque .lead{text-align:center;color:#b9c3dc;max-width:60ch;margin:0 auto 46px}
.porque-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;text-align:center}
.porque .stat-num{display:block;font-family:'Sora',sans-serif;font-size:clamp(2rem,4vw,2.8rem);font-weight:700;color:var(--teal);line-height:1.1}
.porque .stat-label{color:#cdd5e6;font-size:.9rem;margin-top:6px;display:block}

.pasos{padding:80px 6vw}
.pasos-inner{max-width:1080px;margin:0 auto;text-align:center}
.pasos h2{color:var(--navy);font-weight:600;font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:46px}
.pasos h2 span{color:var(--teal-ink)}
.pasos-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.paso{text-align:center;position:relative}
.paso .n{width:54px;height:54px;margin:0 auto 16px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:700;color:#fff;background:linear-gradient(135deg,var(--pink),var(--teal))}
.paso h3{color:var(--navy);font-size:1.05rem;font-weight:600;margin-bottom:6px}
.paso p{color:var(--ink);font-size:.92rem;max-width:30ch;margin:0 auto}

@media (max-width:860px){
  .como-grid{grid-template-columns:1fr;gap:34px}
  .porque-grid{grid-template-columns:repeat(2,1fr);gap:34px}
  .pasos-grid{grid-template-columns:1fr;gap:34px}
}

/* ============ MODAL DE CONTACTO ============ */
.modal-contacto{position:fixed;inset:0;z-index:200;display:none}
.modal-contacto.abierto{display:block}
.modal-backdrop{position:absolute;inset:0;background:rgba(27,32,61,.62);backdrop-filter:blur(3px);animation:mcFade .25s ease}
.modal-panel{
  position:relative;z-index:1;max-width:520px;width:calc(100% - 40px);
  margin:6vh auto;max-height:88vh;overflow-y:auto;
  background:#fff;border-radius:16px;padding:34px 32px 30px;
  box-shadow:0 30px 80px rgba(27,32,61,.4);animation:mcUp .3s ease
}
@keyframes mcFade{from{opacity:0}to{opacity:1}}
@keyframes mcUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.modal-x{
  position:absolute;top:14px;right:16px;background:none;border:0;cursor:pointer;
  font-size:1.9rem;line-height:1;color:#9aa6bb;transition:color .2s
}
.modal-x:hover{color:var(--navy)}
.modal-panel h3{font-family:'Sora',sans-serif;color:var(--navy);font-size:1.5rem;margin-bottom:6px}
.modal-sub{color:var(--ink);font-size:.92rem;margin-bottom:20px}
.modal-sub a{color:var(--teal-ink);font-weight:600}
.form-contacto{display:flex;flex-direction:column;gap:14px}
.form-contacto label{display:flex;flex-direction:column;gap:6px;font-size:.82rem;font-weight:600;color:var(--navy);letter-spacing:.01em}
.form-contacto .opt{font-weight:400;color:#9aa6bb}
.form-contacto input,.form-contacto select,.form-contacto textarea{
  font-family:inherit;font-size:.95rem;font-weight:400;color:var(--navy);
  background:var(--bg-soft);border:1px solid #e4e9f0;border-radius:10px;
  padding:11px 13px;transition:border-color .2s,box-shadow .2s;width:100%
}
.form-contacto input:focus,.form-contacto select:focus,.form-contacto textarea:focus{
  outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(42,177,163,.15)
}
.form-contacto textarea{resize:vertical}
.form-contacto .hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.form-contacto .check{flex-direction:row;align-items:flex-start;gap:9px;font-weight:400;color:var(--ink);font-size:.85rem;line-height:1.4}
.form-contacto .check input{width:auto;margin-top:2px;accent-color:var(--teal)}
.form-btn{border:0;cursor:pointer;margin-top:4px;width:100%}
.form-msg{font-size:.88rem;text-align:center;margin-top:2px;min-height:1em}
.form-msg.ok{color:#1f8f70;font-weight:600}
.form-msg.err{color:var(--pink);font-weight:600}
@media (max-width:560px){
  .modal-panel{padding:30px 22px 26px;margin:4vh auto}
}

/* ============ PÁGINA 404 ============ */
.error-hero{padding:170px 6vw 120px}
.error-hero h1{font-size:clamp(4.5rem,14vw,8rem);color:#fff;line-height:1;letter-spacing:.02em}
.error-hero .e404-sub{color:#fff;font-size:clamp(1.2rem,3vw,1.7rem);margin:10px 0 6px;font-weight:600}
.error-hero p{color:#b9c3dc;max-width:52ch;margin:0 auto}
.e404-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.btn-ghost{background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}

/* ============ PÁGINA SINIESTROS ============ */
.urgencia-box{
  display:flex;align-items:center;gap:22px;flex-wrap:wrap;
  background:linear-gradient(120deg,#fff5f7,#fff);
  border:1px solid #f6d7e0;border-left:5px solid var(--pink);
  border-radius:14px;padding:26px 28px;margin-bottom:10px;
}
.urgencia-ic{
  flex:0 0 auto;width:46px;height:46px;border-radius:50%;
  background:var(--pink);color:#fff;font-weight:700;font-size:1.4rem;
  display:flex;align-items:center;justify-content:center;
}
.urgencia-box h3{color:var(--navy);font-size:1.05rem;margin-bottom:4px}
.urgencia-box p{font-size:.92rem;margin:0}
.urgencia-box .btn{margin-left:auto;white-space:nowrap}
@media (max-width:720px){
  .urgencia-box{flex-direction:column;align-items:flex-start;text-align:left}
  .urgencia-box .btn{margin-left:0;width:100%;text-align:center}
}

.pasos-sin-grid{
  display:grid;grid-template-columns:repeat(5,1fr);gap:22px;margin-top:40px;
}
.paso-sin{
  background:var(--bg-soft);border-radius:14px;padding:24px 18px;text-align:left;
  transition:transform .25s ease,box-shadow .25s ease;
}
.paso-sin:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(27,32,61,.08)}
.paso-sin .n{
  width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;margin-bottom:14px;
}
.paso-sin h3{color:var(--navy);font-size:1rem;font-weight:700;margin-bottom:8px}
.paso-sin p{font-size:.86rem;color:var(--ink)}
@media (max-width:1024px){.pasos-sin-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:680px){.pasos-sin-grid{grid-template-columns:1fr}}

/* ============ PÁGINA FAQ ============ */
.faq-inner{max-width:820px}
.faq-item{
  border-bottom:1px solid #e4e9f0;padding:22px 0;cursor:pointer;
}
.faq-item summary{
  list-style:none;display:flex;align-items:center;justify-content:space-between;gap:20px;
  font-family:'Sora',sans-serif;font-weight:600;color:var(--navy);font-size:1.02rem;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item p{margin-top:14px;color:var(--ink);font-size:.94rem;max-width:68ch}
.faq-plus{
  flex:0 0 auto;width:26px;height:26px;border-radius:50%;border:1.5px solid var(--teal-ink);
  position:relative;transition:transform .3s ease,background .3s ease;
}
.faq-plus::before,.faq-plus::after{
  content:"";position:absolute;background:var(--teal-ink);transition:background .3s ease;
}
.faq-plus::before{left:6px;right:6px;top:50%;height:2px;transform:translateY(-50%)}
.faq-plus::after{top:6px;bottom:6px;left:50%;width:2px;transform:translateX(-50%)}
.faq-item[open] .faq-plus{transform:rotate(180deg);background:var(--teal-ink)}
.faq-item[open] .faq-plus::before,.faq-item[open] .faq-plus::after{background:#fff}
.faq-item[open] .faq-plus::after{opacity:0}

/* link inline dentro de párrafos (ej: Cerca -> Siniestros) */
.link-inline{display:inline-block;margin-top:6px;color:var(--teal-ink);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.link-inline:hover{color:var(--pink)}


/* ============ PÁGINAS DE PRODUCTO ============ */
.cobertura-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin:28px 0 18px;max-width:70ch}
.cobertura-list li{position:relative;padding-left:30px;font-size:.94rem;color:var(--ink);line-height:1.5}
.cobertura-list li::before{
  content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;
  background:var(--teal);
}
.cobertura-list li::after{
  content:"";position:absolute;left:6px;top:9px;width:6px;height:3px;
  border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg);
}
.cobertura-list strong{color:var(--navy)}
.cobertura-nota{font-size:.82rem;color:#8a93a8;max-width:65ch;font-style:italic}
.cta-volver{margin-top:18px}
.cta-volver a{color:#b9c3dc;font-size:.85rem;text-decoration:underline;text-underline-offset:3px}
.cta-volver a:hover{color:#fff}

/* pequeños links "guía completa" dentro de las cards de seguros.html */
.card .card-guia{display:block;margin-top:14px;font-size:.8rem;font-weight:700;color:var(--teal-ink);text-decoration:underline;text-underline-offset:3px}
.card .card-guia:hover{color:var(--pink)}

.ver-tambien{margin-top:10px;font-size:.82rem;color:#8a93a8}
.ver-tambien a{color:#b9c3dc;text-decoration:underline;text-underline-offset:3px}
.ver-tambien a:hover{color:#fff}

/* ============ PÁGINAS LEGALES (Política de Privacidad, etc.) ============ */
.legal-texto{max-width:74ch}
.legal-texto h2{color:var(--navy);font-size:1.15rem;font-weight:700;margin:32px 0 10px}
.legal-texto h2:first-child{margin-top:0}
.legal-texto p{font-size:.94rem;color:var(--ink);margin-bottom:6px}
.legal-texto a{color:var(--teal-ink);text-decoration:underline;text-underline-offset:3px}
.legal-texto a:hover{color:var(--pink)}

/* ============ SKIP LINK (accesibilidad de teclado) ============ */
.skip-link{
  position:absolute;top:-3rem;left:0;z-index:1000;
  background:var(--navy);color:#fff;padding:12px 20px;
  font-weight:600;font-size:.9rem;border-radius:0 0 8px 0;
  transition:top .2s ease;
}
.skip-link:focus{top:0;outline:2px solid var(--teal);outline-offset:-2px}

/* El destino del skip-link no debe mostrar un recuadro de foco visible */
#main:focus{outline:none}