/* ==========================================================================
   MCJ Seguros · Hoja de estilos única
   Paleta: azul marino y oro (elegida por MCJ). Fondo blanco, títulos, franja y pie
   en azul marino #0F2A47, secciones alternas #EEF2F8 y el dorado del logo en los detalles.
   Índice
     0. Fuentes
     1. Tokens
     2. Base y reset
     3. Utilidades y layout
     4. Tipografía
     5. Botones y enlaces
     6. Header, navegación y menú móvil
     7. Componentes compartidos (fotos, grano, chips, listas, migas)
     8. Home: hero, franja, productos, pasos, aseguradoras, por qué, FAQ
    10. Banda de contacto y footer
    11. WhatsApp flotante
    12. Páginas de producto
    13. Páginas auxiliares (política, 404)
    14. Movimiento y accesibilidad
   ========================================================================== */

/* 0. Fuentes (alojadas en el sitio, subconjunto latino, licencia SIL OFL 1.1) */
@font-face {
  font-family: "Lora";
  src: url("../assets/fonts/lora-normal-latin.woff2") format("woff2");
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Lora";
  src: url("../assets/fonts/lora-italic-latin.woff2") format("woff2");
  font-style: italic;
  font-weight: 400 700;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Jost";
  src: url("../assets/fonts/jost-normal-latin.woff2") format("woff2");
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* 1. Tokens ================================================================ */
:root {
  color-scheme: light;

  /* Fondos (paleta azul marino y oro: blanco, con secciones alternas en gris azulado) */
  --bg-0: #FFFFFF;          /* fondo de página */
  --bg-1: #EEF2F8;          /* secciones alternas */
  --surface-1: #FFFFFF;     /* tarjetas, paneles */
  --surface-2: #FFFFFF;     /* campos de formulario, fila de FAQ abierta */
  --surface-3: #E5EBF3;     /* hover de superficie */
  --tile: #FFFFFF;          /* tiles de logos de aseguradoras */
  --header-bg: rgba(255, 255, 255, 0.94);
  --drawer-bg: #FFFFFF;
  --backdrop: rgba(15, 42, 71, 0.35);

  /* Texto */
  --text-1: #0F2A47;        /* azul marino: 14.6:1 sobre blanco, 13.0:1 sobre secciones */
  --text-2: #3B4A5F;        /* 9.0:1 sobre blanco, 8.0:1 sobre secciones */
  --text-3: #59667A;        /* 5.8:1 sobre blanco, 5.2:1 sobre secciones */
  --text-on-gold: #0F2A47;  /* 7.1:1 sobre el dorado de los botones */
  --text-on-wa: #0A0A0B;
  --text-on-tile: #0F2A47;

  /* Oro: tonos profundos para texto sobre claro; champaña para rellenos */
  --gold-100: #4E3915;
  --gold-200: #5E441A;      /* hover de enlaces, foco: 9.1:1 */
  --gold-300: #7A5A22;      /* enlaces y texto dorado: 6.3:1 */
  --gold-400: #84612A;      /* eyebrows, iconos, numerales: 5.6:1 (5.0:1 sobre secciones) */
  --gold-500: #9A7230;
  --gold-600: #A67A30;      /* gráficos y bordes de controles: 3.3:1 */
  --gold-700: #B8893A;
  --gold-em: #9A7230;       /* énfasis en titulares (texto grande): 4.4:1 (3.9:1 sobre secciones) */
  --gold-fill: #D6B06A;     /* rellenos con texto oscuro: 8.4:1 */
  --gold-fill-active: #C49A4E;
  --gold-gradient: linear-gradient(135deg, #E6C77F 0%, #D6B06A 48%, #C49A4E 100%);
  --gold-gradient-hover: linear-gradient(135deg, #F3DCA6 0%, #E6C77F 48%, #D6B06A 100%);
  --gold-text-gradient: linear-gradient(135deg, #9A7230 0%, #84612A 55%, #6F5124 100%);
  --gold-glow: none;

  /* Líneas */
  --line: rgba(15, 42, 71, 0.12);
  --line-strong: #75808F;   /* bordes de controles: 4.0:1 sobre blanco */
  --input-border: #75808F;
  --input-border-hover: #5E6A7B;
  --rule-gold: rgba(166, 122, 48, 0.40);
  --rule-gold-strong: rgba(132, 97, 42, 0.75);
  --chip-border: #A67A30;

  /* Semánticos */
  --success: #1E6B47;
  --error: #B3261E;
  --warning: #84612A;

  /* WhatsApp */
  --wa: #25D366;
  --wa-hover: #1FBF5C;

  /* Fotografía */
  --photo-filter: saturate(0.92) contrast(1.03);
  --overlay-photo: linear-gradient(90deg, rgba(15, 42, 71, 0.10) 0%, rgba(15, 42, 71, 0) 60%);
  --overlay-photo-v: none;
  --scrim: rgba(255, 255, 255, 0.94);

  /* Tipografía */
  --font-display: "Lora", Georgia, "Times New Roman", serif; /* títulos: trazos firmes, legibles en cualquier pantalla */
  --font-sans: "Jost", "Futura", "Avenir Next", "Segoe UI", system-ui, sans-serif;

  --fs-display: clamp(2.75rem, 1.6rem + 4.6vw, 5.5rem);
  --fs-h1: clamp(2.375rem, 1.5rem + 3.5vw, 4.25rem);
  --fs-h2: clamp(1.875rem, 1.3rem + 2.3vw, 3rem);
  --fs-h3: clamp(1.375rem, 1.2rem + 0.7vw, 1.75rem);
  --fs-h4: clamp(1.125rem, 1.05rem + 0.3vw, 1.25rem);
  --fs-lead: clamp(1.125rem, 1.05rem + 0.3vw, 1.3125rem);
  --fs-body: clamp(1rem, 0.96rem + 0.15vw, 1.0625rem);
  --fs-small: 0.875rem;
  --fs-eyebrow: 0.75rem;
  --fs-numeral: clamp(3.5rem, 2rem + 6vw, 7rem);
  --fs-quote: clamp(1.5rem, 1.2rem + 1.4vw, 2.25rem);

  --lh-display: 1.0;
  --lh-h1: 1.05;
  --lh-h2: 1.1;
  --lh-h3: 1.25;
  --lh-h4: 1.3;
  --lh-lead: 1.5;
  --lh-body: 1.65;
  --lh-small: 1.5;

  --ls-display: -0.015em;
  --ls-eyebrow: 0.18em;
  --ls-nav: 0.12em;
  --ls-button: 0.10em;
  --ls-wordmark: 0.32em;

  /* Espaciado y retícula */
  --sp-1: 0.25rem;
  --sp-2: 0.5rem;
  --sp-3: 0.75rem;
  --sp-4: 1rem;
  --sp-5: 1.5rem;
  --sp-6: 2rem;
  --sp-7: 3rem;
  --sp-8: 4rem;
  --sp-9: 6rem;
  --sp-10: 8rem;
  --section-y: clamp(4rem, 9vw, 8.5rem);
  --gutter: clamp(1rem, 4vw, 2.5rem);
  --container: 1200px;
  --container-wide: 1360px;
  --container-narrow: 720px;
  --grid-gap: clamp(1rem, 2vw, 1.5rem);
  --header-h: 84px;
  --header-h-compact: 68px;
  --header-h-mobile: 64px;

  /* Radios */
  --r-0: 0;
  --r-1: 2px;
  --r-pill: 999px;

  /* Sombras */
  --shadow-float: 0 12px 28px -8px rgba(15, 42, 71, 0.30), 0 2px 6px rgba(15, 42, 71, 0.12);
  --shadow-drawer: -24px 0 64px rgba(15, 42, 71, 0.18);
  --shadow-bar: 0 -6px 20px rgba(15, 42, 71, 0.08);
  --shadow-card: 0 1px 2px rgba(15, 42, 71, 0.04), 0 14px 32px -18px rgba(15, 42, 71, 0.16);
  --glow-card: 0 0 0 1px var(--rule-gold-strong), 0 22px 44px -22px rgba(132, 97, 42, 0.30);
  --inset-top: 0 1px 2px rgba(15, 42, 71, 0.04), 0 14px 32px -18px rgba(15, 42, 71, 0.16);

  /* Movimiento */
  --dur-1: 160ms;
  --dur-2: 280ms;
  --dur-3: 700ms;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

/* Tema oscuro local: cualquier bloque con .theme-dark usa oro sobre azul marino.
   Hoy lo usa el pie de página. */
.theme-dark {
  color-scheme: dark;
  --bg-0: #0F2A47;
  --bg-1: #0C2340;
  --surface-1: #143457;
  --surface-2: #183B61;
  --surface-3: #1D426B;
  --tile: #F5F1E8;
  --header-bg: rgba(15, 42, 71, 0.92);
  --drawer-bg: rgba(15, 42, 71, 0.98);
  --backdrop: rgba(0, 0, 0, 0.55);
  --text-1: #F5F1E8;        /* 12.9:1 sobre azul marino */
  --text-2: #D3D8DF;        /* 10.2:1 */
  --text-3: #AEB6C2;        /* 7.1:1 */
  --text-on-gold: #0F2A47;
  --gold-100: #F7E7BF;
  --gold-200: #F3DCA6;
  --gold-300: #E6C77F;
  --gold-400: #D6B06A;
  --gold-500: #C49A4E;
  --gold-600: #B8893A;
  --gold-700: #8A6528;
  --gold-em: #E6C77F;
  --gold-fill: #D6B06A;
  --gold-fill-active: #C49A4E;
  --gold-text-gradient: linear-gradient(135deg, #E6C77F 0%, #D6B06A 48%, #C49A4E 100%);
  --gold-glow: radial-gradient(60% 50% at 72% 0%, rgba(214, 176, 106, 0.14) 0%, rgba(214, 176, 106, 0) 70%);
  --line: rgba(245, 241, 232, 0.10);
  --line-strong: rgba(245, 241, 232, 0.40);
  --input-border: rgba(245, 241, 232, 0.45);
  --input-border-hover: rgba(245, 241, 232, 0.55);
  --rule-gold: rgba(214, 176, 106, 0.35);
  --rule-gold-strong: rgba(214, 176, 106, 0.55);
  --chip-border: rgba(214, 176, 106, 0.60);
  --success: #8FD4A8;
  --error: #F0A3A3;
  --warning: #E6C77F;
  --photo-filter: grayscale(0.35) saturate(0.8) contrast(1.08) brightness(0.85);
  --overlay-photo: linear-gradient(90deg, #0F2A47 0%, rgba(15, 42, 71, 0.85) 30%, rgba(15, 42, 71, 0.30) 100%);
  --overlay-photo-v: linear-gradient(180deg, rgba(15, 42, 71, 0.20) 0%, rgba(15, 42, 71, 0.95) 100%);
  --scrim: rgba(15, 42, 71, 0.72);
  --shadow-card: none;
  --inset-top: inset 0 1px 0 rgba(255, 255, 255, 0.05);
  --glow-card: 0 0 0 1px var(--rule-gold-strong), 0 24px 48px -24px rgba(214, 176, 106, 0.25);
  background-color: var(--bg-0);
  color: var(--text-2);
}

/* 2. Base y reset ========================================================== */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h-mobile) + 16px);
  overflow-x: clip;
}
@media (min-width: 1200px) {
  html { scroll-padding-top: calc(var(--header-h-compact) + 16px); }
}
/* El foco nunca queda debajo del botón flotante de WhatsApp */
html { scroll-padding-bottom: calc(96px + env(safe-area-inset-bottom)); }

body {
  margin: 0;
  min-height: 100vh;
  background: var(--bg-0);
  color: var(--text-2);
  font-family: var(--font-sans);
  font-size: var(--fs-body);
  font-weight: 400;
  line-height: var(--lh-body);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}
html.menu-open,
html:has(body.menu-open) { overflow: hidden; }

img, svg, video, picture { max-width: 100%; }
img, picture, video { display: block; height: auto; }
h1, h2, h3, h4, p, ul, ol, figure, blockquote, dl, dd { margin: 0; }
:where(ul, ol)[role="list"] { list-style: none; padding: 0; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; padding: 0; }
[hidden] { display: none !important; }
::selection { background: rgba(214, 176, 106, 0.35); color: var(--text-1); }

:focus { outline: none; }
:focus-visible {
  outline: 2px solid var(--gold-200);
  outline-offset: 3px;
}
main[tabindex="-1"]:focus,
main[tabindex="-1"]:focus-visible { outline: none; }

.icon {
  width: 1em;
  height: 1em;
  flex-shrink: 0;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  vertical-align: middle;
}
.icon--fill { fill: currentColor; stroke: none; }

/* 3. Utilidades y layout =================================================== */
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: 0; left: 0;
  z-index: 100;
  padding: 12px 16px;
  background: var(--gold-fill);
  color: var(--text-on-gold);
  font-weight: 600;
  font-size: var(--fs-small);
  transform: translateY(-120%);
  transition: transform var(--dur-1) var(--ease);
}
.skip-link:focus { transform: translate(8px, 8px); }

.container,
.container-wide,
.container-narrow {
  width: 100%;
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container { max-width: calc(var(--container) + 2 * var(--gutter)); }
.container-wide { max-width: calc(var(--container-wide) + 2 * var(--gutter)); }
.container-narrow { max-width: calc(var(--container-narrow) + 2 * var(--gutter)); }

.section {
  position: relative;
  padding-block: var(--section-y);
  background: var(--bg-0);
}
.section--alt { background: var(--bg-1); }
.section + .section,
.section + .strip,
.strip + .section { border-top: 1px solid var(--line); }
.section--glow-left,
.section--glow-center { background-image: none; }
/* Banda blanca para el carrusel de aseguradoras */
.section--white { background: var(--surface-1); }
.section--glow-right { background-image: var(--gold-glow); }

.stack > * + * { margin-top: var(--sp-5); }
.text-center { text-align: center; }

/* 4. Tipografía ============================================================ */
.display,
h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 400;
  color: var(--text-1);
  text-wrap: balance;
}
/* Kerning de la fuente en los títulos (text-rendering: auto, más estable en Safari que optimizeLegibility) */
.display,
h1,
h2 {
  text-rendering: auto;
  font-kerning: normal;
}
.display {
  font-size: var(--fs-display);
  line-height: var(--lh-display);
  letter-spacing: var(--ls-display);
  max-width: 18ch;
}
@media (min-width: 900px) and (max-height: 860px) {
  .hero .display { font-size: clamp(2.75rem, 1rem + 3.6vw, 4.5rem); }
}
h1, .h1 {
  font-size: var(--fs-h1);
  line-height: var(--lh-h1);
  letter-spacing: var(--ls-display);
}
h2, .h2 {
  font-size: var(--fs-h2);
  line-height: var(--lh-h2);
  letter-spacing: -0.01em;
  max-width: 20ch;
}
h3, .h3 {
  font-size: var(--fs-h3);
  line-height: var(--lh-h3);
  font-weight: 500;
}
h4, .h4 {
  font-family: var(--font-sans);
  font-size: var(--fs-h4);
  line-height: var(--lh-h4);
  font-weight: 500;
  color: var(--text-1);
}
.display em,
h1 em,
h2 em {
  font-style: italic;
  font-weight: 400;
  color: var(--gold-em);
}

p, li, .lead, .stat__label { text-wrap: pretty; }
.lead {
  font-size: var(--fs-lead);
  line-height: var(--lh-lead);
  color: var(--text-2);
  max-width: 60ch;
  font-weight: 400;
}
p { max-width: 65ch; }
.small { font-size: var(--fs-small); line-height: var(--lh-small); }
.muted { color: var(--text-3); }
.legal-note {
  font-size: 0.8125rem;
  line-height: 1.55;
  color: var(--text-3);
  max-width: 70ch;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  font-weight: 500;
  line-height: 1.4;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--gold-400);
}
.eyebrow::before {
  content: "";
  width: 24px;
  height: 1px;
  background: var(--rule-gold-strong);
  flex-shrink: 0;
}
.eyebrow--center::after {
  content: "";
  width: 24px;
  height: 1px;
  background: var(--rule-gold-strong);
  flex-shrink: 0;
}
.eyebrow--plain::before { display: none; }
/* Antetítulo dentro del H1 de los heros: se ve igual que el antetítulo de siempre */
h1 > .eyebrow {
  display: flex;
  width: fit-content;
  max-width: 100%;
  margin-bottom: 20px;
  padding-top: 10px; /* el antetítulo suelto ocupaba una línea de texto normal */
  font-style: normal;
  font-variation-settings: normal;
}

.text-link {
  color: var(--gold-300);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
  transition: color var(--dur-1) var(--ease);
}
.text-link:hover { color: var(--gold-200); }

.num {
  font-variant-numeric: lining-nums tabular-nums;
}

/* Header de sección */
.section-head {
  display: grid;
  gap: var(--sp-5);
  margin-bottom: var(--sp-7);
}
.section-head__title { display: grid; gap: var(--sp-5); }
@media (min-width: 900px) {
  .section-head {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    margin-bottom: var(--sp-8);
  }
  .section-head__title { grid-column: 1 / span 6; }
  .section-head .lead { grid-column: 8 / -1; align-self: end; }
}
.section-head--stack { display: grid; gap: var(--sp-5); }
@media (min-width: 900px) {
  .section-head--stack { grid-template-columns: none; }
  .section-head--stack .section-head__title,
  .section-head--stack .lead { grid-column: auto; }
}
.section-head--center {
  display: grid;
  justify-items: center;
  text-align: center;
  gap: var(--sp-5);
}
.section-head--center h2,
.section-head--center .lead { margin-inline: auto; }
@media (min-width: 900px) {
  .section-head--center { grid-template-columns: none; }
  .section-head--center .section-head__title,
  .section-head--center .lead { grid-column: auto; }
  .section-head--center .section-head__title { justify-items: center; }
}

/* 5. Botones y enlaces ===================================================== */
.btn {
  --btn-h: 48px;
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: var(--btn-h);
  padding: 0 28px;
  border-radius: var(--r-1);
  border: 1px solid transparent;
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: var(--ls-button);
  text-transform: uppercase;
  line-height: 1.2;
  text-align: center;
  white-space: nowrap;
  cursor: pointer;
  transition:
    background-color var(--dur-1) var(--ease),
    background-image var(--dur-1) var(--ease),
    border-color var(--dur-1) var(--ease),
    color var(--dur-1) var(--ease),
    transform var(--dur-1) var(--ease);
}
.btn .icon { font-size: 18px; }
.btn--sm { --btn-h: 40px; padding: 0 20px; font-size: 0.75rem; }

.btn--primary {
  background: var(--gold-fill);
  background-image: var(--gold-gradient);
  color: var(--text-on-gold);
}
.btn--primary:hover {
  background-image: var(--gold-gradient-hover);
  transform: translateY(-1px);
}
.btn--primary:active {
  background: var(--gold-fill-active);
  background-image: none;
  transform: translateY(0);
}
.btn--primary:disabled,
.btn--primary[aria-busy="true"] {
  background: var(--surface-3);
  background-image: none;
  color: var(--text-3);
  cursor: not-allowed;
  transform: none;
}

.btn--secondary {
  background: transparent;
  border-color: var(--chip-border);
  color: var(--gold-300);
}
.btn--secondary:hover {
  border-color: var(--gold-400);
  background: rgba(214, 176, 106, 0.08);
  color: var(--gold-200);
}
.btn--secondary:active { background: rgba(214, 176, 106, 0.14); }

.btn--wa {
  background: var(--wa);
  color: var(--text-on-wa);
}
.btn--wa .icon { font-size: 20px; }
.btn--wa:hover { background: var(--wa-hover); }

.btn--icon {
  --btn-h: 40px;
  width: 40px;
  padding: 0;
  border-radius: var(--r-pill);
}

@media (max-width: 639.98px) {
  .btn--block-sm { width: 100%; }
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 16px;
  align-items: center;
}
.btn-row--center { justify-content: center; }

/* Enlace terciario con flecha */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--text-1);
  background-image: linear-gradient(var(--gold-400), var(--gold-400));
  background-size: 0% 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  padding-bottom: 2px;
  transition: background-size var(--dur-2) var(--ease), color var(--dur-1) var(--ease);
}
.link-arrow .icon {
  font-size: 18px;
  color: var(--gold-400);
  transition: transform var(--dur-2) var(--ease);
}
.link-arrow:hover { background-size: 100% 1px; }
.link-arrow:hover .icon { transform: translateX(4px); }

/* Subrayado que se dibuja (nav, footer) */
.u-draw {
  background-image: linear-gradient(var(--gold-400), var(--gold-400));
  background-size: 0% 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size var(--dur-2) var(--ease), color var(--dur-1) var(--ease);
}
.u-draw:hover { background-size: 100% 1px; }

/* 6. Header, navegación y menú móvil ====================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--header-bg);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: background-color var(--dur-2) var(--ease), border-color var(--dur-2) var(--ease);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: var(--header-h-mobile);
  transition: height var(--dur-2) var(--ease);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--text-1);
  flex-shrink: 0;
}
.brand img {
  height: 32px;
  width: auto;
  transition: height var(--dur-2) var(--ease);
}
.brand__word {
  font-family: var(--font-sans);
  font-size: 0.6875rem;
  font-weight: 500;
  letter-spacing: var(--ls-wordmark);
  text-transform: uppercase;
  color: var(--text-1);
  padding-left: 12px;
  border-left: 1px solid var(--rule-gold);
  line-height: 1;
  padding-block: 4px;
}

.nav { display: none; }
.header-actions { display: none; }
.header-mobile {
  display: flex;
  align-items: center;
  gap: 8px;
}


.menu-fallback { display: none; }
html:not(.js) .menu-toggle { display: none; }
html:not(.js) .menu-fallback {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 8px;
  font-size: 0.8125rem;
  font-weight: 500;
  letter-spacing: var(--ls-nav);
  text-transform: uppercase;
  color: var(--text-1);
}
.menu-toggle {
  position: relative;
  width: 44px;
  height: 44px;
  display: inline-grid;
  place-items: center;
  border-radius: var(--r-1);
}
.menu-toggle__bars {
  position: relative;
  width: 22px;
  height: 8px;
}
.menu-toggle__bars::before,
.menu-toggle__bars::after {
  content: "";
  position: absolute;
  left: 0;
  width: 22px;
  height: 1px;
  background: var(--gold-400);
  transition: transform var(--dur-2) var(--ease), top var(--dur-2) var(--ease);
}
.menu-toggle__bars::before { top: 0; }
.menu-toggle__bars::after { top: 7px; }
.menu-toggle[aria-expanded="true"] .menu-toggle__bars::before { top: 3.5px; transform: rotate(45deg); }
.menu-toggle[aria-expanded="true"] .menu-toggle__bars::after { top: 3.5px; transform: rotate(-45deg); }

@media (min-width: 1200px) {
  .site-header {
    background: transparent;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
    border-bottom-color: transparent;
  }
  .site-header.is-scrolled {
    background: var(--header-bg);
    -webkit-backdrop-filter: blur(12px);
    backdrop-filter: blur(12px);
    border-bottom-color: var(--line);
  }
  .site-header__inner {
    display: grid;
    grid-template-columns: auto 1fr auto;
    height: var(--header-h);
  }
  .site-header.is-scrolled .site-header__inner { height: var(--header-h-compact); }
  .brand img { height: 40px; }
  .site-header.is-scrolled .brand img { height: 36px; }

  .nav { display: block; justify-self: center; }
  .nav ul {
    display: flex;
    align-items: center;
    gap: 2px;
    list-style: none;
    margin: 0;
    padding: 0;
  }
  .nav a {
    display: inline-block;
    white-space: nowrap;
    padding: 8px 14px;
    font-size: 0.8125rem;
    font-weight: 500;
    letter-spacing: var(--ls-nav);
    text-transform: uppercase;
    color: var(--text-2);
    transition: color var(--dur-1) var(--ease);
  }
  .nav a span {
    background-image: linear-gradient(var(--gold-400), var(--gold-400));
    background-size: 0% 1px;
    background-position: 0 100%;
    background-repeat: no-repeat;
    padding-bottom: 6px;
    transition: background-size var(--dur-2) var(--ease);
  }
  .nav a:hover { color: var(--text-1); }
  .nav a:hover span { background-size: 100% 1px; }
  .nav a[aria-current="page"] { color: var(--text-1); }
  .nav a[aria-current="page"] span { background-size: 100% 1px; }

  .header-actions {
    display: flex;
    align-items: center;
    gap: 24px;
  }
  .header-phone {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-1);
    transition: color var(--dur-1) var(--ease);
  }
  .header-phone .icon { font-size: 18px; color: var(--gold-400); }
  .header-phone:hover { color: var(--gold-300); }
  .header-mobile { display: none; }
}
@media (min-width: 1200px) and (max-width: 1279.98px) {
  .nav a { padding-inline: 11px; }
}

/* Drawer */
.drawer {
  position: fixed;
  inset: 0 0 0 auto;
  z-index: 80;
  width: 100%;
  height: 100vh;
  height: 100dvh;
  display: flex;
  flex-direction: column;
  background: var(--drawer-bg);
  box-shadow: var(--shadow-drawer);
  transform: translateX(100%);
  visibility: hidden;
  transition: transform var(--dur-2) var(--ease-out), visibility 0s linear var(--dur-2);
}
@media (min-width: 640px) {
  .drawer { width: 420px; border-left: 1px solid var(--line); }
}
.drawer.is-open {
  transform: translateX(0);
  visibility: visible;
  transition: transform var(--dur-2) var(--ease-out), visibility 0s;
}
.drawer-backdrop {
  position: fixed;
  inset: 0;
  z-index: 79;
  background: var(--backdrop);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--dur-2) var(--ease), visibility 0s linear var(--dur-2);
}
.drawer-backdrop.is-open {
  opacity: 1;
  visibility: visible;
  transition: opacity var(--dur-2) var(--ease), visibility 0s;
}
.drawer__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h-mobile);
  padding-inline: var(--gutter);
  border-bottom: 1px solid var(--line);
  flex-shrink: 0;
}
.drawer__close {
  width: 44px;
  height: 44px;
  display: inline-grid;
  place-items: center;
  color: var(--gold-400);
  font-size: 24px;
  border-radius: var(--r-1);
}
.drawer__scroll {
  flex: 1;
  overflow-y: auto;
  overscroll-behavior: contain;
  padding: 28px var(--gutter) 24px;
}
.drawer__products {
  list-style: none;
  margin: 16px 0 36px;
  padding: 0;
}
.drawer__products li { border-top: 1px solid var(--line); }
.drawer__products li:last-child { border-bottom: 1px solid var(--line); }
.drawer__products a {
  display: flex;
  align-items: baseline;
  gap: 18px;
  padding: 18px 0;
  font-family: var(--font-display);
  font-size: 1.75rem;
  line-height: 1.15;
  color: var(--text-1);
  transition: color var(--dur-1) var(--ease);
}
.drawer__products a:hover,
.drawer__products a[aria-current="page"] { color: var(--gold-200); }
.drawer__products .drawer__num {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: var(--ls-eyebrow);
  color: var(--gold-400);
  min-width: 2ch;
}
.drawer__links {
  list-style: none;
  margin: 8px 0 0;
  padding: 0;
}
.drawer__links a {
  display: block;
  padding: 14px 0;
  font-size: 1rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-2);
  transition: color var(--dur-1) var(--ease);
}
.drawer__links a:hover { color: var(--text-1); }
.drawer__bottom {
  flex-shrink: 0;
  display: grid;
  gap: 12px;
  padding: 20px var(--gutter) calc(20px + env(safe-area-inset-bottom));
  border-top: 1px solid var(--line);
}
.drawer__bottom .btn { width: 100%; }
.drawer__contact {
  font-size: 0.875rem;
  color: var(--text-2);
  text-align: center;
  line-height: 1.6;
}
.drawer__contact a { color: var(--text-2); }
.drawer__contact a:hover { color: var(--gold-300); }
@media (max-height: 560px) {
  .drawer { overflow-y: auto; overscroll-behavior: contain; }
  .drawer__scroll { flex: none; overflow: visible; }
}
@media (min-width: 1200px) {
  .drawer, .drawer-backdrop { display: none; }
}

/* 7. Componentes compartidos ============================================== */

/* Fotografía con gradación única */
.photo {
  position: relative;
  overflow: hidden;
  background-color: var(--bg-0);
  background-size: cover;
  background-position: center;
  isolation: isolate;
}
.photo picture,
.photo img {
  width: 100%;
  height: 100%;
}
.photo img {
  object-fit: cover;
  filter: var(--photo-filter);
}
.photo::after {
  content: "";
  position: absolute;
  inset: 0;
  background: var(--overlay-photo-v);
  pointer-events: none;
  z-index: 1;
}
.photo--h::after { background: var(--overlay-photo); }
.photo::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(214, 176, 106, 0.08);
  mix-blend-mode: soft-light;
  pointer-events: none;
  z-index: 2;
}

/* Grano */
.grain { position: relative; isolation: isolate; }
.grain::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='g'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23g)'/%3E%3C/svg%3E");
  background-size: 200px 200px;
  opacity: 0.035;
  mix-blend-mode: overlay;
  pointer-events: none;
}
.grain > * { position: relative; z-index: 1; }

/* Viñeta rombo */
.list-diamond {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 8px;
}
.list-diamond li {
  position: relative;
  padding-left: 17px;
}
.list-diamond li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 5px;
  height: 5px;
  background: var(--gold-400);
  transform: rotate(45deg);
}

/* Chip informativo */
.chip-info {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border: 1px solid var(--chip-border);
  border-radius: var(--r-pill);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-300);
  line-height: 1.2;
}
.chip-info .icon { font-size: 14px; }

/* Fila de confianza */
.trust-row {
  list-style: none;
  margin: 28px 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
}
.trust-row li {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  line-height: 1.4;
  color: var(--text-2);
}
.trust-row .icon { font-size: 18px; color: var(--gold-400); }

/* Migas de pan */
.breadcrumbs ol {
  list-style: none;
  margin: 0 0 28px;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--text-3);
}
.breadcrumbs li { display: inline-flex; align-items: center; gap: 8px; }
.breadcrumbs li + li::before { content: "/"; color: var(--gold-400); }
.breadcrumbs a { color: var(--text-3); transition: color var(--dur-1) var(--ease); }
.breadcrumbs a:hover { color: var(--text-1); }
.breadcrumbs [aria-current="page"] { color: var(--text-2); }

/* Filete dorado animado bajo los heros */
.hero-rule {
  height: 1px;
  background: var(--rule-gold);
  transform-origin: left center;
  animation: draw-rule 900ms var(--ease-out) 400ms both;
}
@keyframes draw-rule {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}

/* FAQ */
.faq { border-bottom: 1px solid var(--line); }
.faq__item { border-top: 1px solid var(--line); }
.faq__item summary {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  padding: 24px 0;
  cursor: pointer;
  list-style: none;
  /* Las preguntas se leen una tras otra: van en la sans del texto, más firme
     que la Didone de los titulares a este tamaño */
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: var(--fs-h4);
  line-height: 1.4;
  color: var(--text-1);
  transition: color var(--dur-1) var(--ease);
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::marker { content: ""; }
.faq__item summary:hover { color: var(--gold-200); }
.faq__item summary:focus-visible { outline-offset: 4px; }
.faq__item summary .icon {
  font-size: 20px;
  color: var(--gold-400);
  margin-top: 0.2em;
  transition: transform var(--dur-1) var(--ease);
}
.faq__item[open] summary .icon { transform: rotate(45deg); }
.faq__item[open] {
  background: var(--surface-2);
  margin-inline: -24px;
  padding-inline: 24px;
}
.faq__body {
  padding: 0 48px 28px 0;
  color: var(--text-2);
  max-width: 60ch;
}
.faq__body p + p { margin-top: 12px; }
.faq__body a {
  color: var(--gold-300);
  text-decoration: underline;
  text-underline-offset: 3px;
}
@media (max-width: 899.98px) {
  .faq__item[open] { margin-inline: calc(-1 * var(--gutter)); padding-inline: var(--gutter); }
}
@media (max-width: 639.98px) {
  .faq__body { padding-right: 0; }
}

/* Carrusel de aseguradoras: una sola fila que avanza sola, con botón de pausa.
   Sin JavaScript o con movimiento reducido queda quieta y se recorre deslizando. */
.marquee-wrap { margin-top: 48px; }
.marquee {
  --tile-w: 208px;
  --tile-h: 112px;
  --tile-pad: 24px;
  --logo-scale: 1;
  --marquee-dur: 56s;
  --fade: min(12vw, 160px);
  overflow-x: auto;
  overscroll-behavior-x: contain;
  scroll-snap-type: x proximity;
  scrollbar-width: thin;
  border-block: 1px solid var(--line);
}
.marquee:focus-visible { outline-offset: -2px; }
.marquee__track {
  display: flex;
  width: max-content;
}
.marquee__list {
  display: flex;
  margin: 0;
  padding: 0;
  list-style: none;
}
.marquee__list[aria-hidden="true"] { display: none; }
.marquee__list li {
  flex: none;
  display: grid;
  place-items: center;
  width: var(--tile-w);
  height: var(--tile-h);
  padding-inline: var(--tile-pad);
  border-right: 1px solid var(--line);
  scroll-snap-align: start;
}
.marquee .logo {
  width: auto;
  height: calc(var(--logo-h, 32px) * var(--logo-scale));
  max-width: 100%;
  object-fit: contain;
}
/* Tamaños para que todos los logos pesen parecido a la vista */
.logo--sura { --logo-h: 34px; }
.logo--mapfre { --logo-h: 23px; }
.logo--bolivar { --logo-h: 38px; }
.logo--allianz { --logo-h: 29px; }
.logo--qualitas { --logo-h: 62px; }
.logo--axa { --logo-h: 46px; }
.logo--hdi { --logo-h: 44px; }
.logo--estado { --logo-h: 31px; }
.logo--sbs { --logo-h: 32px; }
.logo--previsora { --logo-h: 27px; }

@media (prefers-reduced-motion: no-preference) {
  html.js .marquee {
    overflow: hidden;
    scroll-snap-type: none;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 var(--fade), #000 calc(100% - var(--fade)), transparent);
    mask-image: linear-gradient(90deg, transparent, #000 var(--fade), #000 calc(100% - var(--fade)), transparent);
  }
  html.js .marquee__list[aria-hidden="true"] { display: flex; }
  html.js .marquee__track {
    animation: marquee calc(var(--marquee-dur) * var(--marquee-sets, 1)) linear infinite;
    will-change: transform;
  }
  html.js .marquee.is-paused .marquee__track,
  html.js .marquee.is-offscreen .marquee__track { animation-play-state: paused; }
}
@media (prefers-reduced-motion: no-preference) and (hover: hover) {
  html.js .marquee:hover .marquee__track { animation-play-state: paused; }
}
@keyframes marquee {
  to { transform: translate3d(-50%, 0, 0); }
}
@media (max-width: 639.98px) {
  .marquee-wrap { margin-top: 36px; }
  .marquee {
    --tile-w: 152px;
    --tile-h: 88px;
    --tile-pad: 16px;
    --logo-scale: 0.76;
    --marquee-dur: 42s;
  }
}

.marquee-foot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  margin-top: 20px;
}
.marquee-foot .legal-note { margin: 0 auto; }
.marquee-toggle {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 40px;
  padding: 0 16px;
  border: 1px solid var(--line-strong);
  border-radius: var(--r-pill);
  background: var(--surface-1);
  color: var(--text-2);
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: var(--ls-button);
  text-transform: uppercase;
  cursor: pointer;
  transition: border-color var(--dur-1) var(--ease), color var(--dur-1) var(--ease);
}
.marquee-toggle:hover { border-color: var(--gold-600); color: var(--text-1); }
.marquee-toggle .icon { font-size: 14px; }
.marquee-toggle__pause,
.marquee-toggle__play { display: inline-flex; }
.marquee-toggle__play,
.marquee-toggle[data-paused] .marquee-toggle__pause { display: none; }
.marquee-toggle[data-paused] .marquee-toggle__play { display: inline-flex; }
@media (pointer: coarse) {
  .marquee-toggle { min-height: 44px; }
}

/* Reseñas de Google: resumen con calificación, tarjetas por reseña y logo de Google Maps.
   Reglas de Google: autor con foto, nombre y enlace; enlace a cada reseña; aviso de orden. */
@media (min-width: 900px) {
  .section-head .reviews-summary { grid-column: 8 / -1; align-self: end; }
}
.reviews-summary__score {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 16px;
}
.reviews-summary__num {
  font-family: var(--font-display);
  font-size: clamp(3rem, 2.2rem + 2.4vw, 4rem);
  line-height: 1;
  color: var(--text-1);
}
.reviews-summary__total {
  font-size: var(--fs-small);
  font-weight: 500;
  color: var(--gold-300);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.reviews-summary__total:hover { color: var(--gold-200); }
.reviews-summary__by {
  margin-top: 12px;
  font-size: var(--fs-small);
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--text-2);
}
/* Atribución que exige Google al mostrar datos de Places API sin mapa: logo de Google Maps
   de 16 a 19 px de alto, con 10 px libres a los lados y arriba y 5 px abajo */
.reviews-attrib {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 4px 24px;
  width: 100%;
}
.reviews-attrib .legal-note { margin: 0; }
.reviews-attrib img { width: auto; height: 18px; margin: 10px 10px 5px; }
.reviews-attrib[hidden] { display: none; }

.stars {
  --star: 16px;
  position: relative;
  display: inline-flex;
  flex: none;
  color: rgba(15, 42, 71, 0.18);
  line-height: 0;
}
.stars--lg { --star: 22px; }
.stars__row { display: inline-flex; flex: none; width: max-content; gap: 2px; }
.stars__row svg { flex: none; width: var(--star); height: var(--star); fill: currentColor; }
.stars__fill {
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--pct, 100%);
  overflow: hidden;
  color: var(--gold-600);
}

.reviews__status { font-size: var(--fs-small); color: var(--text-3); }
.reviews__status:empty { display: none; }
.reviews__list {
  display: grid;
  grid-template-columns: repeat(var(--cols, 3), minmax(0, 1fr));
  gap: var(--grid-gap);
  margin: 0;
  padding: 0;
  list-style: none;
}
@media (min-width: 900px) and (max-width: 1199.98px) {
  .reviews__list { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
/* En celular y tableta, una sola fila que se desliza */
@media (max-width: 899.98px) {
  .reviews__list {
    display: flex;
    gap: 12px;
    margin-inline: calc(-1 * var(--gutter));
    padding: 4px var(--gutter) 14px;
    overflow-x: auto;
    overscroll-behavior-x: contain;
    scroll-snap-type: x mandatory;
    scroll-padding-inline: var(--gutter);
    scrollbar-width: thin;
  }
  .review-card { flex: 0 0 min(84%, 340px); scroll-snap-align: start; }
}
.review-card {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 24px;
  background: var(--surface-1);
  border: 1px solid var(--line);
  border-radius: var(--r-1);
  box-shadow: var(--shadow-card);
}
.review-card__head { display: flex; align-items: center; gap: 12px; min-width: 0; }
.review-card__avatar {
  flex: none;
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--surface-3);
  color: var(--text-1);
  font-weight: 500;
}
.review-card__who { min-width: 0; }
.review-card__author {
  display: block;
  overflow: hidden;
  font-weight: 500;
  color: var(--text-1);
  text-overflow: ellipsis;
  white-space: nowrap;
}
a.review-card__author:hover { text-decoration: underline; text-underline-offset: 3px; }
.review-card__meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 4px 8px;
  margin-top: 4px;
  font-size: 0.8125rem;
  color: var(--text-3);
}
.review-card__text {
  display: -webkit-box;
  -webkit-box-orient: vertical;
  -webkit-line-clamp: 7;
  overflow: hidden;
  color: var(--text-2);
  line-height: 1.6;
  white-space: pre-line;
}
.review-card__text--empty { font-style: italic; color: var(--text-3); }
.review-card__link {
  margin-top: auto;
  font-size: 0.8125rem;
  color: var(--gold-300);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.review-card__link:hover { color: var(--gold-200); }
.reviews-foot { display: grid; justify-items: start; gap: 16px; margin-top: var(--sp-6); }

/* 8. Home ================================================================== */

/* Hero */
.hero {
  position: relative;
  background-color: var(--bg-0);
  background-image: var(--gold-glow);
  overflow: hidden;
}
.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  align-items: center;
  padding-block: clamp(2.5rem, 7vw, 4.5rem) clamp(3rem, 7vw, 5rem);
}
.hero__content > * + * { margin-top: var(--sp-5); }
.hero__content .display { margin-top: 0; }
.hero__content .lead { margin-top: 24px; }
.hero__content .trust-row { margin-top: 32px; }
.hero__media { display: none; }

.hero-index {
  margin-top: 36px;
}
.hero-index__label { margin-bottom: 14px; }
.hero-index__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}
.hero-index__list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 16px;
  border: 1px solid var(--line);
  color: var(--text-1);
  font-weight: 500;
  font-size: 1rem;
  transition: border-color var(--dur-1) var(--ease), background-color var(--dur-1) var(--ease);
}
.hero-index__list a:hover {
  border-color: var(--rule-gold-strong);
  background: rgba(214, 176, 106, 0.05);
}
.hero-index__list .hero-index__num {
  font-size: 0.75rem;
  letter-spacing: var(--ls-eyebrow);
  color: var(--gold-400);
  margin-right: 10px;
}
.hero-index__list .icon { font-size: 16px; color: var(--gold-400); }
.hero-index--mobile .hero-index__list a {
  position: relative;
  display: block;
  padding: 14px 32px 14px 14px;
}
.hero-index--mobile .hero-index__list .hero-index__num {
  display: block;
  margin: 0 0 4px;
}
.hero-index--mobile .hero-index__list a > .icon {
  position: absolute;
  top: 14px;
  right: 12px;
}
.hero-index__help {
  margin-top: 16px;
  font-size: 0.875rem;
  color: var(--text-2);
}

@media (min-width: 900px) {
  .hero__inner {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    min-height: min(calc(100vh - var(--header-h)), 920px);
    padding-block: 4rem;
  }
  .hero__content { grid-column: 1 / span 8; padding-right: 2rem; }
  .hero__media {
    display: block;
    position: absolute;
    top: 0;
    bottom: 0;
    right: 0;
    width: calc((min(100vw, var(--container-wide) + 2 * var(--gutter)) - 2 * var(--gutter)) * 4 / 12 + (100vw - min(100vw, var(--container-wide) + 2 * var(--gutter))) / 2 + var(--gutter));
    z-index: 0;
  }
  .hero__media .photo {
    position: absolute;
    inset: 0;
    background-color: transparent;
    -webkit-mask-image: linear-gradient(90deg, transparent 0%, rgba(0, 0, 0, 0.55) 16%, #000 42%);
    mask-image: linear-gradient(90deg, transparent 0%, rgba(0, 0, 0, 0.55) 16%, #000 42%);
  }
  .hero__media .photo::after {
    background: none;
  }
  .hero__media img { object-position: 43% 50%; }
  .hero-index--mobile { display: none; }
  .hero__inner { pointer-events: none; }
  .hero__inner > * { pointer-events: auto; }
  .hero-index--overlay {
    position: absolute;
    left: 24px;
    right: 24px;
    /* La tarjeta termina siempre por encima del botón flotante de WhatsApp,
       aunque el hero sea más alto que la pantalla (100 % = alto del hero). */
    bottom: max(104px, calc(100% - 100vh + 184px));
    z-index: 3;
    margin: 0;
    padding: 24px;
    background: var(--scrim);
    -webkit-backdrop-filter: blur(8px);
    backdrop-filter: blur(8px);
    border: 1px solid var(--line);
    box-shadow: var(--shadow-card);
  }
  .hero-index--overlay .hero-index__list {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .hero-index--overlay .hero-index__list li + li { border-top: 1px solid var(--line); }
  .hero-index--overlay .hero-index__list a {
    border: 0;
    padding: 12px 0;
  }
  .hero-index--overlay .hero-index__list a:hover { background: none; color: var(--gold-200); }
}
@media (min-width: 1200px) {
  .hero__content { grid-column: 1 / span 7; padding-right: 0; }
  .hero__media {
    width: calc((min(100vw, var(--container-wide) + 2 * var(--gutter)) - 2 * var(--gutter)) * 5 / 12 + (100vw - min(100vw, var(--container-wide) + 2 * var(--gutter))) / 2 + var(--gutter) - var(--grid-gap));
  }
}
@media (min-width: 1200px) {
  .hero-index--overlay {
    left: auto;
    width: min(440px, calc(100% - 48px));
    right: calc((100vw - min(100vw, var(--container-wide) + 2 * var(--gutter))) / 2 + var(--gutter));
  }
}
@media (max-width: 899.98px) {
  .hero-index--overlay { display: none; }
}


/* Franja de confianza: banda azul marino con cifras doradas */
.strip {
  color-scheme: dark;
  --bg-1: #0F2A47;
  --text-1: #F5F1E8;
  --text-2: #D3D8DF;
  --text-3: #AEB6C2;
  --gold-400: #D6B06A;
  --gold-em: #E6C77F;
  --gold-text-gradient: linear-gradient(135deg, #F3DCA6 0%, #E6C77F 45%, #D6B06A 100%);
  --line: rgba(245, 241, 232, 0.16);
  --rule-gold: rgba(214, 176, 106, 0.55);
  background: var(--bg-1);
  padding-block: 56px;
}
.strip__inner {
  display: grid;
  gap: 40px;
}
.motto { max-width: none; }
.motto blockquote p { max-width: 18ch; }
.motto::before {
  content: "";
  display: block;
  width: 40px;
  height: 1px;
  background: var(--rule-gold);
  margin-bottom: 20px;
}
.motto blockquote p {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: var(--fs-quote);
  line-height: 1.2;
  color: var(--gold-em);
}
.motto figcaption {
  margin-top: 12px;
  font-size: 0.8125rem;
  color: var(--text-3);
}
.stats {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
}
.stat {
  padding: 24px 0;
  border-top: 1px solid var(--line);
}
.stat:first-child { border-top: 0; padding-top: 0; }
.stat__num,
.stat__num {
  display: block;
  font-family: var(--font-display);
  font-size: var(--fs-numeral);
  line-height: 1;
  color: var(--gold-400);
  font-variant-numeric: lining-nums tabular-nums;
  white-space: nowrap;
}
@supports ((-webkit-background-clip: text) or (background-clip: text)) {
  .stat__num,
  .gradient-text {
    background: var(--gold-text-gradient);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
  }
}
.stat__unit { margin-left: 0.06em; }
.stat__num { width: fit-content; padding-inline-end: 0.2em; margin-inline-end: -0.2em; }
.stat__label {
  display: block;
  margin-top: 12px;
  font-size: 0.9375rem;
  line-height: 1.45;
  color: var(--text-2);
  max-width: 18ch;
}
@media (min-width: 640px) {
  .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .stat,
  .stat:first-child {
    border-top: 0;
    padding: 0 24px;
    border-left: 1px solid var(--line);
  }
  .stat:first-child { border-left: 0; padding-left: 0; }
}
@media (min-width: 900px) {
  .strip__inner {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    align-items: center;
  }
  .motto { grid-column: 1 / span 5; max-width: none; }
  .stats { grid-column: 6 / -1; }
  .stat, .stat:first-child { padding-inline: 32px; border-left: 1px solid var(--line); }
}

/* Productos */
.product-grid {
  display: grid;
  gap: var(--grid-gap);
}
@media (min-width: 900px) {
  .product-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.product-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding: 24px;
  background: var(--surface-1);
  border: 1px solid var(--line);
  box-shadow: var(--inset-top);
  transition: transform var(--dur-2) var(--ease), box-shadow var(--dur-2) var(--ease), border-color var(--dur-2) var(--ease);
}
@media (min-width: 900px) {
  .product-card { padding: 40px; }
}
.product-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--inset-top), var(--glow-card);
}
.product-card:focus-within { border-color: var(--rule-gold-strong); }
/* Foto de la tarjeta, a sangre en la parte superior */
.product-card__media {
  margin: -24px -24px 4px;
  aspect-ratio: 16 / 9;
}
@media (min-width: 900px) {
  .product-card__media { margin: -40px -40px 8px; aspect-ratio: 2 / 1; }
  .product-card__media--autos img { object-position: 50% 30%; }
  .product-card__media--vida img { object-position: 50% 35%; }
  .product-card__media--salud img { object-position: 50% 0%; }
  .product-card__media--empresariales img { object-position: 50% 100%; }
}
@media (prefers-reduced-motion: no-preference) {
  .product-card__media img { transition: transform var(--dur-3) var(--ease-out); }
  .product-card:hover .product-card__media img { transform: scale(1.03); }
}
.product-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.product-card__num {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: var(--ls-eyebrow);
  color: var(--text-3);
}
.product-card__top .icon { font-size: 28px; color: var(--gold-400); }
.product-card__rule {
  width: 40px;
  height: 1px;
  background: var(--rule-gold-strong);
  transition: width var(--dur-2) var(--ease);
}
.product-card:hover .product-card__rule { width: 72px; }
.product-card h3 a::after {
  content: "";
  position: absolute;
  inset: 0;
}
.product-card h3 a:focus-visible { outline: none; }
.product-card h3 a:focus-visible::after {
  outline: 2px solid var(--gold-200);
  outline-offset: 3px;
}
.product-card__desc { color: var(--text-2); }
.product-card__label {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-3);
}
.product-card__label + .list-diamond { margin-top: -8px; }
.product-card .list-diamond li {
  font-size: 0.9375rem;
  color: var(--text-1);
}
.product-card__foot {
  margin-top: auto;
  padding-top: 8px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.product-card__foot > * { position: relative; z-index: 1; }
.section-note { margin-top: 32px; }

/* Cómo funciona */
#como-title { max-width: 26ch; }
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 40px;
  position: relative;
}
.step { position: relative; padding-left: 56px; }
.step::before {
  content: "";
  position: absolute;
  left: 15px;
  top: 0;
  bottom: -40px;
  width: 1px;
  background: var(--line);
}
.step:last-child::before { bottom: 0; }
.step::after {
  content: "";
  position: absolute;
  left: 12px;
  top: 22px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold-400);
}
.step__num {
  display: block;
  font-family: var(--font-display);
  font-size: 3rem;
  line-height: 1;
  color: var(--gold-em);
  font-variant-numeric: lining-nums;
  margin-bottom: 16px;
}
.step h3 { font-size: 1.5rem; margin-bottom: 12px; }
.step p { color: var(--text-2); }
.step .chip-info { margin-top: 16px; }
@media (min-width: 900px) {
  .step h3 { min-height: 2.5em; }
  .pillar h3 { min-height: 2.6em; }
}
@media (min-width: 900px) and (max-width: 1099.98px) {
  .step .chip-info { font-size: 0.6875rem; letter-spacing: 0.06em; padding-inline: 10px; gap: 6px; }
}
@media (min-width: 900px) {
  .steps {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: var(--grid-gap);
    padding-top: 40px;
    border-top: 1px solid var(--line);
  }
  .step { padding-left: 0; padding-right: 8px; }
  .step::before { display: none; }
  .step::after {
    left: 0;
    top: -44px;
  }
  .step__num { font-size: var(--fs-numeral); margin-bottom: 24px; }
}

/* Por qué MCJ */
.why {
  display: grid;
  gap: 40px;
}
.why__photo { aspect-ratio: 16 / 10; }
.why__photo::after { background: var(--overlay-photo-v); }
.why__photo img { object-position: 65% 45%; }
.why__content .section-head { margin-bottom: 40px; }
.pillars {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 32px var(--grid-gap);
}
.pillar {
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.pillar .icon { font-size: 28px; color: var(--gold-400); }
.pillar h3 {
  margin-top: 16px;
  font-family: var(--font-sans);
  font-size: var(--fs-h4);
  line-height: var(--lh-h4);
  font-weight: 500;
}
.pillar p {
  margin-top: 10px;
  font-size: 0.9375rem;
  color: var(--text-2);
}
@media (min-width: 640px) {
  .pillars { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 900px) {
  .why {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    align-items: center;
  }
  .why__photo { grid-column: 1 / span 5; aspect-ratio: 4 / 5; }
  .why__photo img { object-position: 30% 45%; }
  .why__content { grid-column: 7 / -1; }
}

/* FAQ en la home */
.faq-layout {
  display: grid;
  gap: 40px;
}
.faq-layout__head > * + * { margin-top: var(--sp-5); }
@media (min-width: 900px) {
  .faq-layout {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    align-items: start;
  }
  .faq-layout__head {
    grid-column: 1 / span 4;
    position: sticky;
    top: calc(var(--header-h) + 24px);
  }
  .faq-layout .faq { grid-column: 6 / -1; }
}

/* 10. Banda de contacto y footer =========================================== */
.contact-band {
  text-align: center;
}
.contact-band__inner {
  max-width: 720px;
  margin-inline: auto;
  display: grid;
  justify-items: center;
  gap: var(--sp-5);
}
.contact-band h2 { margin-inline: auto; }
.contact-band .lead { margin-inline: auto; }
.contact-band__data {
  max-width: none;
  margin-top: 8px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px 14px;
  font-size: 0.875rem;
  color: var(--text-2);
}
.contact-band__data a:hover { color: var(--gold-300); }
.contact-band__data + .contact-band__data { margin-top: -16px; }
.contact-band__data .sep { color: var(--gold-400); }
@media (max-width: 767.98px) {
  .contact-band__data { flex-direction: column; align-items: center; gap: 6px; }
  .contact-band__data .sep { display: none; }
}

.site-footer {
  background: var(--bg-0);
  border-top: 1px solid var(--line);
  padding: var(--sp-9) 0 var(--sp-6);
}
.footer-grid {
  display: grid;
  gap: 40px;
}
.footer-brand img { width: 180px; height: auto; }
.footer-brand p {
  margin-top: 20px;
  font-size: 0.875rem;
  color: var(--text-2);
  max-width: 36ch;
}
.footer-col h2 {
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  font-weight: 500;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 12px;
  max-width: none;
}
.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.footer-col li { font-size: 0.9375rem; line-height: 1.5; padding-block: 6px; }
.footer-col a {
  color: var(--text-2);
  background-image: linear-gradient(var(--gold-400), var(--gold-400));
  background-size: 0% 1px;
  background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size var(--dur-2) var(--ease), color var(--dur-1) var(--ease);
}
.footer-col a:hover { color: var(--text-1); background-size: 100% 1px; }
.footer-contact li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-2);
}
.footer-contact .icon { font-size: 18px; color: var(--gold-400); }
.footer-bottom {
  margin-top: var(--sp-8);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px 32px;
  font-size: 0.8125rem;
  line-height: 1.55;
  color: var(--text-3);
}
.footer-bottom p:last-child { max-width: 72ch; }
.site-footer { padding-bottom: calc(var(--sp-6) + 76px + env(safe-area-inset-bottom)); }
@media (min-width: 900px) {
  .footer-grid {
    grid-template-columns: 5fr 2fr 2fr 3fr;
    gap: var(--grid-gap);
  }
}

/* 11. WhatsApp flotante ============================ */
.wa-float {
  position: fixed;
  right: 20px;
  bottom: calc(20px + env(safe-area-inset-bottom));
  z-index: 60;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  height: 56px;
  padding: 0 22px 0 16px;
  border-radius: var(--r-pill);
  background: var(--wa);
  color: var(--text-on-wa);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  box-shadow: var(--shadow-float);
  transition: background-color var(--dur-1) var(--ease), transform var(--dur-1) var(--ease), opacity 400ms var(--ease);
}
.wa-float .icon { font-size: 26px; }
.wa-float:hover { background: var(--wa-hover); transform: translateY(-2px); }
.wa-float:focus-visible { outline: 2px solid #0F2A47; outline-offset: 2px; box-shadow: 0 0 0 6px #F3DCA6, var(--shadow-float); }
@media (max-width: 639.98px) {
  .wa-float {
    right: 16px;
    bottom: calc(16px + env(safe-area-inset-bottom));
    width: 56px;
    padding: 0;
    justify-content: center;
  }
  .wa-float span { display: none; }
  .wa-float .icon { font-size: 28px; }
}
html.js .wa-float:not(.is-ready) { opacity: 0; pointer-events: none; transform: translateY(8px); }
body.menu-open .wa-float,
body.menu-open .wa-chat { display: none; }

/* Chat de WhatsApp: panel que abre el botón flotante.
   Muestra el mensaje listo para enviar; Enviar abre WhatsApp con ese texto. */
.wa-chat {
  --chat-gap: 20px;
  position: fixed;
  right: var(--chat-gap);
  bottom: calc(var(--chat-gap) + 56px + 12px + env(safe-area-inset-bottom));
  z-index: 61;
  width: min(380px, calc(100vw - 2 * var(--chat-gap)));
  max-height: calc(100vh - 56px - 3 * var(--chat-gap) - 12px - env(safe-area-inset-bottom));
  max-height: calc(100dvh - 56px - 3 * var(--chat-gap) - 12px - env(safe-area-inset-bottom));
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  overflow-y: auto;
  overscroll-behavior: contain;
  background: var(--surface-1);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 28px 56px -20px rgba(15, 42, 71, 0.38), 0 4px 14px rgba(15, 42, 71, 0.10);
  opacity: 0;
  transform: translateY(12px) scale(0.98);
  transform-origin: bottom right;
  transition: opacity var(--dur-2) var(--ease-out), transform var(--dur-2) var(--ease-out);
}
.wa-chat.is-open { opacity: 1; transform: none; }
/* El panel solo recibe foco programático al abrirse en pantallas táctiles (no es un control) */
.wa-chat:focus { outline: none; }
.wa-chat__head {
  flex: none;
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 10px 14px 18px;
  background: #0F2A47;
  color: #F5F1E8;
}
.wa-chat__logo {
  flex: none;
  width: auto;
  height: 22px;
  padding-right: 14px;
  border-right: 1px solid rgba(214, 176, 106, 0.35);
  box-sizing: content-box;
}
.wa-chat__who { flex: 1; min-width: 0; }
.wa-chat__title {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.3;
  letter-spacing: 0;
  max-width: none;
  color: #F5F1E8;
  white-space: nowrap;
}
.wa-chat__status {
  margin: 2px 0 0;
  font-size: 0.8125rem;
  line-height: 1.35;
  color: #D3D8DF;
}
.wa-chat__close {
  flex: none;
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  margin: 0;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: transparent;
  color: #F5F1E8;
  cursor: pointer;
  transition: background-color var(--dur-1) var(--ease);
}
.wa-chat__close:hover { background: rgba(245, 241, 232, 0.10); }
.wa-chat__close:focus-visible { outline: 2px solid #F3DCA6; outline-offset: -2px; }
.wa-chat__close .icon { font-size: 20px; }
.wa-chat__body {
  flex: 1 1 auto;
  min-height: 0;
  overflow-y: auto;
  padding: 18px 16px;
  background: var(--bg-1);
}
.wa-chat__bubble {
  position: relative;
  max-width: 34ch;
  margin: 0;
  padding: 10px 14px;
  border-radius: 4px 14px 14px 14px;
  background: var(--surface-1);
  box-shadow: 0 1px 2px rgba(15, 42, 71, 0.08);
  font-size: 0.9375rem;
  line-height: 1.5;
  color: var(--text-1);
}
.wa-chat__compose {
  flex: none;
  display: grid;
  gap: 10px;
  padding: 12px;
  border-top: 1px solid var(--line);
  background: var(--surface-1);
}
.wa-chat__input {
  display: block;
  width: 100%;
  min-height: 84px;
  max-height: min(168px, 30vh);
  margin: 0;
  padding: 10px 12px;
  resize: vertical;
  border: 1px solid var(--line-strong);
  border-radius: 12px;
  background: var(--surface-1);
  color: var(--text-1);
  font: inherit;
  font-size: 1rem; /* 16 px: iOS no hace zoom al escribir */
  line-height: 1.45;
}
.wa-chat__input:focus-visible { outline: 2px solid var(--gold-400); outline-offset: 1px; }
.wa-chat__actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.wa-chat__note { margin: 0; font-size: 0.8125rem; color: var(--text-3); }
.wa-chat__note a {
  color: var(--gold-300);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.wa-chat__note a:hover { color: var(--gold-200); }
.wa-chat__send {
  flex: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  height: 48px;
  padding: 0 20px 0 16px;
  border-radius: var(--r-pill);
  background: var(--wa);
  color: var(--text-on-wa);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: background-color var(--dur-1) var(--ease);
}
.wa-chat__send:hover { background: var(--wa-hover); }
.wa-chat__send[aria-disabled="true"] { opacity: 0.45; cursor: not-allowed; }
.wa-chat__send:focus-visible { outline: 2px solid #0F2A47; outline-offset: 2px; }
.wa-chat__send .icon { font-size: 18px; }
@media (max-width: 639.98px) {
  .wa-chat {
    --chat-gap: 16px;
    left: var(--chat-gap);
    width: auto;
  }
}
@media (max-width: 379.98px) {
  .wa-chat__logo { display: none; }
}
/* Pantallas bajas (celular acostado, zoom alto): solo lo esencial, el mensaje y Enviar */
@media (max-height: 520px) {
  .wa-chat__body { display: none; }
  .wa-chat__head { padding-block: 4px; }
  .wa-chat__compose { gap: 8px; padding: 8px 12px; }
  .wa-chat__input { min-height: 0; height: 60px; }
}
@media (max-height: 360px) {
  .wa-chat__status { display: none; }
}
@media (forced-colors: active) {
  .wa-chat { border: 1px solid CanvasText; }
  .wa-chat__send { border: 1px solid ButtonText; }
}

/* 12. Páginas de producto ================================================= */
.p-hero {
  position: relative;
  background-color: var(--bg-0);
  background-image: var(--gold-glow);
}
.p-hero__inner {
  display: grid;
  gap: 40px;
  padding-block: clamp(2rem, 5vw, 4rem) clamp(3rem, 6vw, 5rem);
}
.p-hero__content h1 { margin-top: 0; max-width: 16ch; }
.p-hero__content .lead { margin-top: 24px; }
.p-hero__content .btn-row { margin-top: 36px; }
.p-hero__media .photo { aspect-ratio: 16 / 10; }
.p-hero__media .photo::after { background: var(--overlay-photo-v); box-shadow: inset 0 0 0 1px rgba(15, 42, 71, 0.08); }
@media (min-width: 900px) {
  .p-hero__inner {
    grid-template-columns: repeat(12, minmax(0, 1fr));
    column-gap: var(--grid-gap);
    align-items: center;
  }
  .p-hero__content { grid-column: 1 / span 7; }
  .p-hero__media { grid-column: 8 / -1; }
  .p-hero__media .photo { aspect-ratio: 4 / 5; }
  .p-hero__media .photo::after { background: var(--overlay-photo-v); }
}

/* Panel índice (hero sin foto) */
.index-panel {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 24px;
  background: var(--surface-1);
  border: 1px solid var(--line);
  box-shadow: var(--inset-top);
}
.index-panel::after {
  content: none;
  position: absolute;
  inset: 0;
  background: radial-gradient(70% 50% at 100% 0%, rgba(214, 176, 106, 0.12) 0%, rgba(214, 176, 106, 0) 70%);
  pointer-events: none;
}
@media (min-width: 900px) {
  .index-panel { padding: 32px 32px 28px; }
}
.index-panel ol {
  list-style: none;
  margin: 18px 0 20px;
  padding: 0;
}
.index-panel li { border-top: 1px solid var(--line); }
.index-panel li:last-child { border-bottom: 1px solid var(--line); }
.index-panel ol a {
  display: grid;
  grid-template-columns: 2.5ch 1fr;
  gap: 14px;
  padding: 11px 0;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-1);
  transition: color var(--dur-1) var(--ease);
}
.index-panel ol a:hover { color: var(--gold-200); }
.index-panel ol a span {
  font-size: 0.75rem;
  letter-spacing: var(--ls-eyebrow);
  color: var(--gold-400);
  padding-top: 3px;
}

/* Es para ti si */
.fit-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: var(--grid-gap);
}
@media (min-width: 640px) {
  .fit-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 1200px) {
  .fit-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}
.fit-card {
  padding: 24px;
  background: var(--surface-1);
  border: 1px solid var(--line);
  box-shadow: var(--inset-top);
  color: var(--text-1);
}
.fit-card .icon { font-size: 18px; color: var(--gold-400); display: block; margin-bottom: 16px; }

/* Coberturas */
.coverage-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  column-gap: var(--grid-gap);
}
@media (min-width: 900px) {
  .coverage-list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.coverage-list li {
  position: relative;
  padding: 16px 0 16px 17px;
  border-top: 1px solid var(--line);
}
.coverage-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: calc(16px + 0.62em);
  width: 5px;
  height: 5px;
  background: var(--gold-400);
  transform: rotate(45deg);
}
.coverage-list strong {
  display: block;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-1);
}
.coverage-list span {
  display: block;
  margin-top: 4px;
  font-size: 0.9375rem;
  color: var(--text-2);
}

/* Lo que debes saber */
.know-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 32px var(--grid-gap);
}
@media (min-width: 640px) {
  .know-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
.know-item {
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.know-item__num {
  display: block;
  font-family: var(--font-display);
  font-size: 2rem;
  line-height: 1;
  color: var(--gold-em);
  margin-bottom: 16px;
}
.know-item h3 {
  font-family: var(--font-sans);
  font-size: var(--fs-h4);
  line-height: var(--lh-h4);
  font-weight: 500;
  margin-bottom: 10px;
}
.know-item p { color: var(--text-2); font-size: 0.9375rem; }

/* Cómo cotizar */
.mini-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 24px;
  text-align: center;
}
@media (min-width: 640px) {
  .mini-steps { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
.mini-steps__num {
  display: block;
  font-family: var(--font-display);
  font-size: 2.5rem;
  line-height: 1;
  color: var(--gold-em);
  margin-bottom: 12px;
}
.mini-steps h3 {
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 500;
  line-height: 1.4;
}
.howto-chip { margin-top: 32px; display: flex; justify-content: center; }
.howto-cta {
  margin-top: 40px;
  display: flex;
  justify-content: center;
}
.howto {
  margin-top: 56px;
  display: grid;
  gap: 32px;
  padding-top: 40px;
  border-top: 1px solid var(--line);
}
.howto .list-diamond li { color: var(--text-1); font-size: 0.9375rem; }
.howto .eyebrow { margin-bottom: 16px; }
.howto__text { color: var(--text-2); max-width: 52ch; }
@media (min-width: 900px) {
  .howto { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: var(--grid-gap); }
}

.faq-more { margin-top: 32px; }

/* 13. Páginas auxiliares ================================================== */
.legal-hero {
  background-color: var(--bg-0);
  background-image: var(--gold-glow);
  padding: 48px 0 40px;
}
.legal-hero h1 { margin-top: 20px; max-width: 18ch; }
.legal-hero__meta {
  margin-top: 20px;
  font-size: 0.875rem;
  color: var(--text-3);
}
.legal-body {
  padding-block: 32px var(--section-y);
  border-top: 1px solid var(--line);
}
.legal-summary {
  padding: 24px;
  background: var(--surface-1);
  border: 1px solid var(--line);
  box-shadow: var(--inset-top);
}
.legal-summary h2 {
  font-family: var(--font-sans);
  font-size: var(--fs-eyebrow);
  font-weight: 500;
  letter-spacing: var(--ls-eyebrow);
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 12px;
}
.legal-summary p { color: var(--text-1); font-size: 1.0625rem; line-height: 1.7; }
.legal-toc { margin-top: 40px; }
.legal-toc ol {
  margin: 16px 0 0;
  padding-left: 2em;
  list-style: decimal-leading-zero;
  font-variant-numeric: lining-nums tabular-nums;
  display: grid;
  gap: 6px;
  color: var(--gold-400);
  font-size: 0.9375rem;
}
.legal-toc a { color: var(--gold-300); text-decoration: underline; text-decoration-color: transparent; text-underline-offset: 3px; transition: text-decoration-color var(--dur-1) var(--ease); }
.legal-toc a:hover { text-decoration-color: currentColor; }
.legal-section { margin-top: 48px; }
.legal-section__num {
  display: flex;
  align-items: center;
  gap: 14px;
  font-family: var(--font-display);
  font-size: 1.375rem;
  color: var(--gold-400);
  margin-bottom: 12px;
}
.legal-section__num::after {
  content: "";
  width: 40px;
  height: 1px;
  background: var(--rule-gold);
}
.legal-section h2 {
  font-size: var(--fs-h3);
  line-height: var(--lh-h3);
  font-weight: 500;
  max-width: none;
  margin-bottom: 16px;
}
.legal-section p,
.legal-section li {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--text-2);
}
.legal-section p + p,
.legal-section p + ul,
.legal-section ul + p { margin-top: 14px; }
.legal-section a { color: var(--gold-300); text-decoration: underline; text-underline-offset: 3px; }
.legal-actions {
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
  display: flex;
  flex-wrap: wrap;
  gap: 16px 32px;
  align-items: center;
}

.center-page {
  min-height: calc(100svh - var(--header-h-mobile));
  display: grid;
  place-items: center;
  padding: var(--section-y) var(--gutter);
  background-color: var(--bg-0);
  background-image: var(--gold-glow);
  text-align: center;
}
.center-page__inner {
  max-width: 640px;
  display: grid;
  justify-items: center;
  gap: var(--sp-5);
}
.center-page h1 { margin-inline: auto; max-width: 16ch; }
.center-page .lead { margin-inline: auto; }
.center-page .btn-row { justify-content: center; margin-top: 12px; }
.diamond-mark {
  width: 12px;
  height: 12px;
  background: var(--gold-400);
  transform: rotate(45deg);
  margin-bottom: 8px;
}
.big-numeral {
  font-family: var(--font-display);
  font-size: var(--fs-numeral);
  line-height: 1;
  color: var(--gold-em);
}
.link-row {
  margin-top: 12px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px 28px;
}
@media (max-width: 639.98px) {
  .center-page .btn-row .btn { width: 100%; }
}

/* 14. Movimiento y accesibilidad ========================================== */
html.js .reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity var(--dur-3) var(--ease-out), transform var(--dur-3) var(--ease-out);
  transition-delay: calc(var(--i, 0) * 60ms);
}
html.js .reveal.is-visible { opacity: 1; transform: none; }

html.js .hero-in > * {
  animation: hero-in var(--dur-3) var(--ease-out) both;
}
html.js .hero-in > *:nth-child(1) { animation-delay: 0ms; }
html.js .hero-in > *:nth-child(2) { animation-delay: 80ms; }
html.js .hero-in > *:nth-child(3) { animation-delay: 160ms; }
html.js .hero-in > *:nth-child(4) { animation-delay: 240ms; }
html.js .hero-in > *:nth-child(5) { animation-delay: 320ms; }
html.js .hero-in > *:nth-child(6) { animation-delay: 400ms; }
html.js .hero-in > *:nth-child(7) { animation-delay: 480ms; }
@keyframes hero-in {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: none; }
}
html.js .hero-in > .diamond-mark { animation-name: diamond-in; }
@keyframes diamond-in {
  from { opacity: 0; transform: translateY(12px) rotate(45deg); }
  to { opacity: 1; transform: rotate(45deg); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    animation-delay: 0ms !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
  html.js .reveal { opacity: 1; transform: none; }
}

@media (forced-colors: active) {
  .btn { border: 1px solid CanvasText; }
  .eyebrow::before, .eyebrow--center::after { background: CanvasText; }
}

@media print {
  html.js .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  .stat__num, .gradient-text { background: none !important; -webkit-background-clip: border-box; background-clip: border-box; color: #000 !important; }
  .site-header, .wa-float, .wa-chat, .drawer, .drawer-backdrop { display: none !important; }
  body { background: #fff; color: #000; padding: 0; }
  h1, h2, h3, h4, .display, .lead, p, li { color: #000 !important; }
}

/* Ajustes puntuales ======================================================== */
.br-md { display: none; }
@media (min-width: 900px) { .br-md { display: inline; } }
.after { margin-top: var(--sp-6); }

/* Pantallas muy angostas (320 px): los botones caben con su margen */
@media (max-width: 359.98px) {
  .btn:not(.btn--icon) { padding-inline: 18px; }
}

/* Objetivos táctiles de al menos 44 px en pantallas táctiles */
@media (pointer: coarse) {
  .btn--icon { --btn-h: 44px; width: 44px; }
  .btn--sm { --btn-h: 44px; }
  .breadcrumbs a { display: inline-block; padding-block: 12px; margin-block: -12px; }
  .drawer__contact a { display: inline-block; padding-block: 10px; }
}

/* Gracias y 404 ocupan la pantalla en móvil sin que asome el pie oscuro */

/* Pantallas angostas: ojos de ceja centrados sin palabras huérfanas y chip de tiempo legible */
@media (max-width: 359.98px) {
  .eyebrow--center::before,
  .eyebrow--center::after { width: 16px; }
  /* el antetítulo del H1 cabe en una línea */
  h1 > .eyebrow { gap: 10px; }
  h1 > .eyebrow::before { width: 16px; }
}
@media (max-width: 479.98px) {
  .howto-chip .chip-info { letter-spacing: 0.06em; border-radius: 16px; text-align: center; }
}

/* Menú móvil en pantallas bajas: más compacto y con indicio de que hay más contenido */
.drawer__scroll {
  background:
    linear-gradient(transparent, var(--drawer-bg) 70%) center bottom / 100% 40px no-repeat local,
    radial-gradient(farthest-side at 50% 100%, rgba(15, 42, 71, 0.16), transparent) center bottom / 100% 14px no-repeat scroll;
}
@media (max-height: 700px) {
  .drawer__scroll { padding-top: 16px; }
  .drawer__products { margin: 8px 0 20px; }
  .drawer__products a { font-size: 1.375rem; padding: 12px 0; }
}

/* En celular el botón flotante de WhatsApp descansa abajo a la derecha:
   los botones del hero de producto y los enlaces de la 404 le dejan su espacio */
@media (max-width: 639.98px) {
  .p-hero .btn-row,
  .link-row { padding-right: 64px; }
}
@media (max-width: 359.98px) {
  .p-hero .btn-row .btn { white-space: normal; }
}

/* Celular y tableta: más color y contraste (en escritorio la foto grande ya lo da) */
@media (max-width: 899.98px) {
  /* La foto de la familia encabeza el hero */
  .hero { display: flex; flex-direction: column; }
  .hero__media { display: block; order: -1; }
  .hero__media .photo { aspect-ratio: 4 / 3; max-height: 62vh; }
  .hero__media img { object-position: 50% 35%; }
  .hero__inner { padding-top: 32px; }

  /* Accesos a los seguros: tarjetas con ícono de color */
  .hero-index--mobile .hero-index__list a {
    padding: 14px 32px 16px 14px;
    background: var(--surface-1);
    border-color: rgba(15, 42, 71, 0.12);
    box-shadow: 0 1px 2px rgba(15, 42, 71, 0.05), 0 10px 22px -16px rgba(15, 42, 71, 0.35);
  }
  .hero-index--mobile .hero-index__list .hero-index__num { display: none; }
  .hero-index__ico {
    display: grid;
    place-items: center;
    width: 44px;
    height: 44px;
    margin-bottom: 10px;
    border-radius: 50%;
    background: rgba(214, 176, 106, 0.20);
    color: var(--gold-300);
  }
  .hero-index__ico .icon { font-size: 24px; color: currentColor; }

  /* Tarjetas de seguros con relieve */
  .product-card { box-shadow: var(--inset-top), 0 14px 30px -20px rgba(15, 42, 71, 0.40); }
}
@media (min-width: 600px) and (max-width: 899.98px) {
  .hero__media .photo { aspect-ratio: 16 / 9; }
}