/* ==========================================================
   Seguros Financieros — hoja de estilos principal
   Liviana, sin frameworks, mobile-first.
   ========================================================== */
:root{
  --navy-900:#081a33;
  --navy-800:#0d2547;
  --navy-700:#143361;
  --navy-100:#e8edf5;
  --gold-500:#b8913a;
  --gold-400:#cfa94f;
  --gold-100:#f6efdf;
  --ink:#1b2433;
  --muted:#5b6578;
  --line:#dfe4ec;
  --bg:#ffffff;
  --bg-soft:#f6f7fa;
  --ok:#1f7a55;
  --wa:#1fae5b;
  --radius:14px;
  --shadow:0 10px 30px -12px rgba(8,26,51,.25);
  --max:1180px;
  --font-sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --font-serif:"Source Serif 4",Georgia,"Times New Roman",serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy-700);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold-500)}
h1,h2,h3{font-family:var(--font-serif);color:var(--navy-900);line-height:1.2;margin:0 0 .6em;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.25rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.35rem)}
h3{font-size:1.28rem}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold-400);color:var(--navy-900);padding:10px 16px;z-index:999}
.skip:focus{left:10px;top:10px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-500);margin-bottom:.9em}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.section{padding:84px 0}
.section--soft{background:var(--bg-soft)}
.section--navy{background:var(--navy-900);color:#d9e1ee}
.section--navy h2,.section--navy h3{color:#fff}
.section__head{max-width:760px;margin-bottom:44px}
.section__head--center{margin-left:auto;margin-right:auto;text-align:center}
.section__head--center .lead{margin-left:auto;margin-right:auto}

/* Botones */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;padding:14px 24px;border-radius:999px;font-weight:600;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,color .15s ease;font-family:inherit;line-height:1.2}
.btn:hover{transform:translateY(-1px)}
.btn--gold{background:var(--gold-400);color:var(--navy-900)}
.btn--gold:hover{background:#dbb862;color:var(--navy-900)}
.btn--navy{background:var(--navy-800);color:#fff}
.btn--navy:hover{background:var(--navy-700);color:#fff}
.btn--ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn--ghost:hover{border-color:#fff;color:#fff}
.btn--outline{border-color:var(--navy-800);color:var(--navy-800)}
.btn--outline:hover{background:var(--navy-800);color:#fff}
.btn--wa{background:var(--wa);color:#fff}
.btn--wa:hover{background:#18964d;color:#fff}
.btn svg{width:20px;height:20px;flex:none}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* Topbar + header */
.topbar{background:var(--navy-900);color:#b9c5d8;font-size:.86rem}
.topbar .container{display:flex;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{color:var(--gold-400)}
.topbar__phones{display:flex;gap:18px;flex-wrap:wrap}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header .container{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy-900)}
.brand svg{width:40px;height:44px}
.brand__name{font-family:var(--font-serif);font-weight:700;font-size:1.22rem;line-height:1.05}
.brand__name small{display:block;white-space:nowrap;font-family:var(--font-sans);font-weight:500;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:3px}
.nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.nav a{display:block;white-space:nowrap;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.96rem}
.nav a:hover,.nav a[aria-current="page"]{color:var(--navy-700);background:var(--navy-100)}
.nav .btn{padding:11px 20px;margin-left:8px;color:var(--navy-900)}
.nav .btn:hover{background:#dbb862}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer;color:var(--navy-900)}
.nav-toggle svg{width:28px;height:28px}
@media (max-width:1100px){
  .nav-toggle{display:block}
  .nav{position:fixed;inset:74px 0 auto 0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .nav.is-open{display:block}
  .nav ul{flex-direction:column;align-items:stretch;padding:12px 22px 22px;gap:2px}
  .nav .btn{margin:10px 0 0}
}

/* Hero */
.hero{position:relative;background:radial-gradient(1200px 500px at 85% -10%,#1d4479 0%,transparent 60%),linear-gradient(160deg,var(--navy-900) 0%,var(--navy-800) 100%);color:#d6deeb;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:48px 48px;pointer-events:none;mask-image:linear-gradient(180deg,#000,transparent 85%)}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:88px;padding-bottom:96px}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold-400)}
.hero .lead{color:#c3cee0}
.hero__badges{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px;font-size:.92rem;color:#c3cee0}
.hero__badges span{display:flex;align-items:center;gap:8px}
.hero__badges svg{width:18px;height:18px;color:var(--gold-400)}
.hero__art{justify-self:center;width:100%;max-width:430px}
.hero--page .container{grid-template-columns:1fr;padding-top:64px;padding-bottom:70px}
.hero--page .lead{max-width:70ch}
@media (max-width:900px){
  .hero .container{grid-template-columns:1fr;padding-top:56px;padding-bottom:64px;gap:36px}
  .hero__art{max-width:300px}
}

.breadcrumb{font-size:.86rem;margin-bottom:18px;color:#9fb0c9}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.breadcrumb li+li::before{content:"›";margin-right:6px;color:#6f84a3}
.breadcrumb a{color:#c9d5e6;text-decoration:none}
.breadcrumb a:hover{color:var(--gold-400)}

/* Grids & cards */
.grid{display:grid;gap:24px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid--3,.grid--2,.grid--4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:box-shadow .2s ease,transform .2s ease;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card p{color:var(--muted)}
.card__icon{width:52px;height:52px;border-radius:12px;background:var(--gold-100);color:var(--gold-500);display:grid;place-items:center;margin-bottom:20px}
.card__icon svg{width:28px;height:28px}
.card__link{margin-top:auto;font-weight:600;text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.card__link::after{content:"→";transition:transform .15s}
.card__link:hover::after{transform:translateX(3px)}
.card--product{border-top:4px solid var(--gold-400)}
.card ul{color:var(--muted);margin:0 0 1.2em}
.card ul li{margin-bottom:.35em}

.feature{display:flex;gap:16px}
.feature__icon{flex:none;width:44px;height:44px;border-radius:10px;background:rgba(207,169,79,.14);color:var(--gold-400);display:grid;place-items:center}
.feature__icon svg{width:24px;height:24px}
.feature h3{font-size:1.1rem;margin-bottom:.35em}
.section--navy .feature p{color:#b9c5d8}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.checklist{list-style:none;padding:0;margin:0 0 1em}
.checklist li{position:relative;padding-left:32px;margin-bottom:.7em}
.checklist li::before{content:"";position:absolute;left:0;top:.3em;width:20px;height:20px;border-radius:50%;background:var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b8913a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.panel{background:var(--navy-900);color:#d6deeb;border-radius:20px;padding:40px;box-shadow:var(--shadow)}
.panel h3{color:#fff}
.panel .checklist li::before{background-color:rgba(207,169,79,.18)}

/* Process steps */
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;gap:20px}
.steps--row{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.steps--row{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.steps--row{grid-template-columns:1fr}}
.steps li{counter-increment:step;position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px 24px}
.steps li::before{content:counter(step,decimal-leading-zero);font-family:var(--font-serif);font-size:2rem;font-weight:700;color:var(--gold-400);display:block;line-height:1;margin-bottom:14px}
.steps li h3{font-size:1.1rem;margin-bottom:.4em}
.steps li p{color:var(--muted);margin:0;font-size:.97rem}

/* Timeline (liquidación) */
.timeline{list-style:none;margin:0;padding:0;position:relative;counter-reset:tl}
.timeline::before{content:"";position:absolute;left:23px;top:8px;bottom:8px;width:2px;background:linear-gradient(var(--gold-400),var(--navy-700))}
.timeline li{counter-increment:tl;position:relative;padding:0 0 34px 76px}
.timeline li::before{content:counter(tl);position:absolute;left:0;top:0;width:48px;height:48px;border-radius:50%;background:var(--navy-900);color:var(--gold-400);font-weight:700;font-family:var(--font-serif);font-size:1.25rem;display:grid;place-items:center;border:3px solid #fff;box-shadow:0 0 0 2px var(--gold-400)}
.timeline h3{font-size:1.15rem;margin-bottom:.3em;padding-top:10px}
.timeline p{color:var(--muted);margin:0}
.timeline li:last-child{padding-bottom:0}

/* Note */
.note{border-left:4px solid var(--gold-400);background:var(--gold-100);padding:18px 22px;border-radius:0 10px 10px 0;font-size:.97rem;color:#4b4330}

/* Partners */
.partners{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
@media (max-width:900px){.partners{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.partners{grid-template-columns:repeat(2,1fr)}}
.partner{height:96px;border:1px solid var(--line);border-radius:12px;background:#fff;display:grid;place-items:center;padding:12px;text-align:center;filter:grayscale(1);opacity:.85;transition:filter .2s,opacity .2s}
.partner:hover{filter:none;opacity:1}
.partner img{max-height:52px;width:auto}
.partner span{font-family:var(--font-serif);font-weight:700;font-size:1.3rem;letter-spacing:.04em;color:var(--navy-800)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy-800),var(--navy-700));border-radius:22px;padding:52px;color:#d6deeb;display:grid;grid-template-columns:1.4fr 1fr;gap:28px;align-items:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;top:-60px;width:240px;height:240px;border-radius:50%;border:40px solid rgba(207,169,79,.12)}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band .btn-row{margin-top:0;justify-content:flex-end;position:relative;z-index:1}
@media (max-width:860px){.cta-band{grid-template-columns:1fr;padding:36px 26px}.cta-band .btn-row{justify-content:flex-start}}

/* FAQ */
.faq{max-width:860px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;font-weight:600;font-size:1.06rem;color:var(--navy-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-size:1.6rem;color:var(--gold-500);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);padding-bottom:12px}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
table{width:100%;border-collapse:collapse;font-size:.97rem;background:#fff}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy-900);color:#fff;font-weight:600}
tr:last-child td{border-bottom:0}
td strong{color:var(--navy-900)}

/* Form */
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.form-grid .full{grid-column:1/-1}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}.form-card{padding:26px 20px}}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy-900)}
input,select,textarea{width:100%;font:inherit;font-size:1rem;padding:13px 14px;border:1px solid #cdd5e1;border-radius:10px;background:#fbfcfe;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-700);box-shadow:0 0 0 3px rgba(20,51,97,.15);background:#fff}
textarea{min-height:120px;resize:vertical}
.form-legal{font-size:.82rem;color:var(--muted);margin-top:14px}
.form-result{display:none;margin-top:18px;padding:18px;border-radius:12px;background:#eaf6f0;border:1px solid #bfe3d0;color:#174d37}
.form-result.is-visible{display:block}
.form-result .btn{margin-top:10px}
.req{color:#b3261e}

.contact-cards{display:grid;gap:16px}
.contact-card{display:flex;gap:16px;align-items:center;padding:20px 22px;border:1px solid var(--line);border-radius:14px;background:#fff;text-decoration:none;color:var(--ink)}
.contact-card:hover{border-color:var(--gold-400);color:var(--ink)}
.contact-card__icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:var(--navy-900);color:var(--gold-400);flex:none}
.contact-card__icon--wa{background:var(--wa);color:#fff}
.contact-card__icon svg{width:24px;height:24px}
.contact-card strong{display:block;font-size:1.18rem;color:var(--navy-900)}
.contact-card small{color:var(--muted)}

/* Footer */
.footer{background:var(--navy-900);color:#9fb0c9;padding:64px 0 28px;font-size:.95rem}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
@media (max-width:900px){.footer__grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer__grid{grid-template-columns:1fr}}
.footer h4{color:#fff;font-family:var(--font-sans);font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 16px}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:9px}
.footer a{color:#c9d5e6;text-decoration:none}
.footer a:hover{color:var(--gold-400)}
.footer .brand{color:#fff;margin-bottom:16px}
.footer .brand__name small{color:#8ea0bb}
.footer__bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:.85rem}

/* WhatsApp flotante */
.wa-float{position:fixed;right:20px;bottom:20px;z-index:90;width:62px;height:62px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px -6px rgba(0,0,0,.35);text-decoration:none;transition:transform .15s}
.wa-float:hover{transform:scale(1.06);color:#fff}
.wa-float svg{width:34px;height:34px}
.wa-float::before{content:"";position:absolute;inset:0;border-radius:50%;background:var(--wa);opacity:.45;animation:pulse 2.4s infinite;z-index:-1}
.wa-float__label{position:absolute;right:74px;white-space:nowrap;background:#fff;color:var(--navy-900);font-weight:600;font-size:.88rem;padding:8px 14px;border-radius:999px;box-shadow:var(--shadow)}
@media (max-width:640px){.wa-float__label{display:none}}
@keyframes pulse{0%{transform:scale(1);opacity:.45}70%{transform:scale(1.5);opacity:0}100%{opacity:0}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

.mt-0{margin-top:0}.mb-0{margin-bottom:0}.mt-32{margin-top:32px}.mt-48{margin-top:48px}
.center{text-align:center}
.prose{max-width:780px}
.prose h2{margin-top:1.4em}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-700);background:var(--navy-100);padding:4px 10px;border-radius:999px;margin-bottom:12px}
.pt-0{padding-top:0}
@media (max-width:640px){
  .topbar__tagline{display:none}
  .topbar .container{justify-content:center}
  .hero__art{display:none}
  .brand__name{font-size:1.08rem}
  .brand__name small{font-size:.6rem;letter-spacing:.08em}
  .section{padding:64px 0}
  .btn-row .btn{width:100%}
}