@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=Inter:wght@300;400;500;600;700&display=swap');
:root{--navy:#0A1F3F;--navy-mid:#112952;--navy-light:#1A3A6B;--gold:#C9A84C;--gold-light:#E2C97E;--gold-dark:#A07E2E;--white:#FFFFFF;--off-white:#F8F7F4;--gray-mid:#D4D0C8;--gray-text:#6B6B6B;--text-dark:#1A1A1A;--shadow-sm:0 2px 8px rgba(10,31,63,0.08);--shadow-md:0 6px 24px rgba(10,31,63,0.14);--shadow-lg:0 16px 48px rgba(10,31,63,0.18);--radius-sm:6px;--radius-md:12px;--radius-lg:20px;--transition:all 0.28s cubic-bezier(0.4,0,0.2,1)}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text-dark);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:'Playfair Display',serif;line-height:1.2}
h1{font-size:clamp(2rem,5vw,3.5rem);font-weight:800}h2{font-size:clamp(1.6rem,3.5vw,2.6rem);font-weight:700}h3{font-size:clamp(1.1rem,2vw,1.4rem);font-weight:600}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(1.7rem,3.5vw,2.6rem);font-weight:700;color:var(--navy);position:relative;display:inline-block}
.section-title::after{content:'';display:block;width:56px;height:3px;background:var(--gold);margin:10px auto 0;border-radius:2px}
.section-title.left-align::after{margin-left:0}
#topbar{background:var(--navy);padding:8px 0;font-size:0.8rem;color:rgba(255,255,255,0.82);border-bottom:1px solid rgba(201,168,76,0.3)}
#topbar a{color:rgba(255,255,255,0.82);transition:var(--transition)}#topbar a:hover{color:var(--gold)}
#navbar{position:sticky;top:0;z-index:1000;background:var(--white);box-shadow:var(--shadow-sm);transition:var(--transition)}
#navbar.scrolled{box-shadow:0 4px 20px rgba(10,31,63,0.15)}
.nav-link{font-size:0.82rem;font-weight:600;letter-spacing:0.04em;color:var(--navy);padding:6px 10px;position:relative;transition:var(--transition);cursor:pointer}
.nav-link::after{content:'';position:absolute;bottom:-2px;left:50%;width:0;height:2px;background:var(--gold);transition:var(--transition);transform:translateX(-50%)}
.nav-link:hover{color:var(--gold)}.nav-link:hover::after,.nav-link.active::after{width:80%}
.nav-dropdown{position:relative}
.dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;background:var(--white);border:1px solid rgba(10,31,63,0.08);border-top:3px solid var(--gold);border-radius:0 0 var(--radius-md) var(--radius-md);box-shadow:var(--shadow-lg);min-width:240px;z-index:200;padding:8px 0}
.nav-dropdown:hover .dropdown-menu{display:block}
.dropdown-item{display:block;padding:9px 20px;font-size:0.82rem;font-weight:500;color:var(--navy);transition:var(--transition);white-space:nowrap}
.dropdown-item:hover{background:var(--off-white,#F8F7F4);color:var(--gold);padding-left:28px}
.lang-btn{font-size:0.75rem;font-weight:700;padding:4px 10px;border:1.5px solid var(--navy);border-radius:20px;cursor:pointer;transition:var(--transition);color:var(--navy);background:transparent;letter-spacing:0.06em}
.lang-btn.active,.lang-btn:hover{background:var(--navy);color:var(--white)}
.btn-cotiza{background:var(--gold);color:var(--navy);font-weight:700;font-size:0.82rem;letter-spacing:0.04em;padding:10px 22px;border-radius:var(--radius-sm);transition:var(--transition);box-shadow:0 2px 12px rgba(201,168,76,0.35)}
.btn-cotiza:hover{background:var(--gold-dark);transform:translateY(-1px)}
#menu-toggle{display:none}
#mobile-menu{display:none;background:var(--navy);padding:16px 20px}
#mobile-menu.open{display:block}
.mobile-nav-link{display:block;color:var(--white);padding:10px 0;font-size:0.9rem;font-weight:600;border-bottom:1px solid rgba(255,255,255,0.08);transition:var(--transition)}
.mobile-nav-link:hover{color:var(--gold)}
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy);font-weight:700;font-size:0.92rem;padding:14px 30px;border-radius:var(--radius-sm);transition:var(--transition);box-shadow:0 3px 16px rgba(201,168,76,0.4);cursor:pointer;border:none}
.btn-primary:hover{background:var(--gold-dark);transform:translateY(-2px);box-shadow:0 6px 24px rgba(201,168,76,0.5)}
.btn-secondary{display:inline-flex;align-items:center;gap:8px;background:transparent;color:var(--white);font-weight:600;font-size:0.92rem;padding:13px 28px;border-radius:var(--radius-sm);border:2px solid rgba(255,255,255,0.6);transition:var(--transition);cursor:pointer}
.btn-secondary:hover{border-color:var(--gold);color:var(--gold);transform:translateY(-2px)}
.btn-navy{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:var(--white);font-weight:700;font-size:0.9rem;padding:12px 26px;border-radius:var(--radius-sm);transition:var(--transition);cursor:pointer;border:none}
.btn-navy:hover{background:var(--navy-light);transform:translateY(-2px)}
.section-pad{padding:80px 0}.section-pad-sm{padding:56px 0}
.seguro-card{background:var(--white);border:1px solid rgba(10,31,63,0.08);border-radius:var(--radius-md);overflow:hidden;transition:var(--transition);box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.seguro-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--gold)}
.seguro-card-img{width:100%;height:170px;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);display:flex;align-items:center;justify-content:center;font-size:3rem}
.seguro-card-body{padding:22px 20px 20px;flex:1;display:flex;flex-direction:column}
.seguro-card-icon{width:50px;height:50px;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:14px;box-shadow:0 4px 16px rgba(10,31,63,0.2)}
.seguro-card-title{font-family:'Playfair Display',serif;font-size:1.1rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.seguro-card-desc{font-size:0.84rem;color:var(--gray-text);line-height:1.6;flex:1;margin-bottom:16px}
.seguro-card-link{font-size:0.83rem;font-weight:700;color:var(--gold-dark);display:flex;align-items:center;gap:4px;transition:var(--transition)}
.seguro-card:hover .seguro-card-link{color:var(--navy);gap:8px}
#porque{background:var(--off-white,#F8F7F4)}
.reason-item{display:flex;align-items:center;gap:14px;padding:12px 0;border-bottom:1px solid var(--gray-mid)}
.reason-item:last-child{border-bottom:none}
.reason-check{width:28px;height:28px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:0.8rem;color:var(--navy);font-weight:800}
.stat-card{text-align:center;padding:28px 20px}
.stat-num{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:800;color:var(--gold);display:block}
.stat-label{font-size:0.83rem;color:rgba(255,255,255,0.75);margin-top:4px}
.stat-icon{font-size:1.6rem;margin-bottom:10px;display:block}
.stats-panel{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);border-radius:var(--radius-lg);padding:32px 24px;box-shadow:var(--shadow-lg)}
#conocenos{background:var(--white)}
.mvv-card{background:var(--off-white,#F8F7F4);border-left:4px solid var(--gold);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:24px;transition:var(--transition)}
.mvv-card:hover{box-shadow:var(--shadow-md)}
.mvv-title{font-weight:700;color:var(--navy);font-size:1rem;margin-bottom:8px}
.mvv-text{font-size:0.84rem;color:var(--gray-text);line-height:1.65}
.valor-pill{display:flex;align-items:center;gap:10px;padding:10px 16px;background:var(--white);border:1px solid var(--gray-mid);border-radius:var(--radius-sm);transition:var(--transition)}
.valor-pill:hover{border-color:var(--gold);box-shadow:var(--shadow-sm)}
.valor-dot{width:10px;height:10px;background:var(--gold);border-radius:50%;flex-shrink:0}
.valor-name{font-weight:700;font-size:0.85rem;color:var(--navy)}
.valor-desc{font-size:0.78rem;color:var(--gray-text)}
#cta-banner{background:linear-gradient(90deg,var(--navy) 0%,var(--navy-light) 50%,var(--navy) 100%);padding:60px 0;position:relative;overflow:hidden}
#cta-banner::before{content:'';position:absolute;top:-40%;right:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(201,168,76,0.12) 0%,transparent 70%);border-radius:50%}
.cta-title{font-family:'Playfair Display',serif;font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;color:var(--white)}
.cta-title span{color:var(--gold)}.cta-sub{color:rgba(255,255,255,0.75);font-size:1rem;margin-top:8px}
#aliados{background:var(--off-white,#F8F7F4)}
.aliado-logo{background:var(--white);border:1px solid var(--gray-mid);border-radius:var(--radius-md);padding:20px 28px;display:flex;align-items:center;justify-content:center;transition:var(--transition);height:80px}
.aliado-logo:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-3px)}
.aliado-logo img{max-height:44px;max-width:120px;object-fit:contain}
.slider-btn{width:40px;height:40px;background:var(--white);border:1px solid var(--gray-mid);border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:var(--transition);font-size:1.1rem;color:var(--navy)}
.slider-btn:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}
#servicio{background:var(--white)}
.servicio-card{background:var(--off-white,#F8F7F4);border-radius:var(--radius-md);padding:26px 22px;border:1px solid transparent;transition:var(--transition);text-align:center}
.servicio-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-4px)}
.servicio-icon{font-size:2rem;margin-bottom:12px;display:block}
.servicio-title{font-weight:700;color:var(--navy);font-size:0.92rem;margin-bottom:6px}
.servicio-desc{font-size:0.8rem;color:var(--gray-text);line-height:1.6}
#contacto{background:var(--navy)}
.form-label{display:block;font-size:0.8rem;font-weight:600;color:rgba(255,255,255,0.75);margin-bottom:6px;letter-spacing:0.04em}
.form-input{width:100%;padding:12px 16px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.18);border-radius:var(--radius-sm);color:var(--white);font-size:0.9rem;font-family:'Inter',sans-serif;transition:var(--transition);outline:none}
.form-input::placeholder{color:rgba(255,255,255,0.35)}
.form-input:focus{border-color:var(--gold);background:rgba(255,255,255,0.1);box-shadow:0 0 0 3px rgba(201,168,76,0.15)}
.form-input option{background:var(--navy);color:var(--white)}
textarea.form-input{resize:vertical;min-height:110px}
.contact-info-item{display:flex;align-items:flex-start;gap:14px;margin-bottom:20px}
.contact-info-icon{width:40px;height:40px;background:rgba(201,168,76,0.15);border:1px solid rgba(201,168,76,0.3);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.contact-info-label{font-size:0.76rem;color:rgba(255,255,255,0.5)}
.contact-info-value{font-size:0.9rem;font-weight:600;color:var(--white)}
.alert{padding:14px 18px;border-radius:var(--radius-sm);font-size:0.88rem;font-weight:600;margin-top:12px}
.alert-success{background:rgba(34,197,94,0.15);border:1px solid rgba(34,197,94,0.4);color:#86efac}
.alert-error{background:rgba(239,68,68,0.15);border:1px solid rgba(239,68,68,0.4);color:#fca5a5}
#footer{background:#060F1F;color:rgba(255,255,255,0.7);padding:56px 0 0}
.footer-tagline{color:var(--gold);font-family:'Playfair Display',serif;font-size:1rem;font-weight:600;margin-bottom:8px}
.footer-desc{font-size:0.82rem;line-height:1.65;max-width:260px}
.footer-heading{font-size:0.72rem;font-weight:700;letter-spacing:0.12em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.footer-link{display:block;font-size:0.82rem;color:rgba(255,255,255,0.65);padding:4px 0;transition:var(--transition)}
.footer-link:hover{color:var(--gold);padding-left:6px}
.footer-social{width:34px;height:34px;background:rgba(255,255,255,0.07);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:0.9rem;transition:var(--transition);margin-right:6px;color:rgba(255,255,255,0.7)}
.footer-social:hover{background:var(--gold);color:var(--navy)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding:18px 0;margin-top:40px;font-size:0.76rem;color:rgba(255,255,255,0.4)}
.footer-bottom a{color:rgba(255,255,255,0.4);transition:var(--transition)}
.footer-bottom a:hover{color:var(--gold)}
.wa-float{position:fixed;bottom:28px;right:28px;z-index:9999;display:flex;flex-direction:column;align-items:flex-end;gap:8px}
.wa-btn{width:58px;height:58px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px rgba(37,211,102,0.45);transition:var(--transition);cursor:pointer}
.wa-btn:hover{transform:scale(1.1)}
.wa-btn svg{width:30px;height:30px;fill:white}
.wa-tooltip{background:var(--navy);color:var(--white);font-size:0.78rem;font-weight:600;padding:6px 14px;border-radius:20px;white-space:nowrap;box-shadow:var(--shadow-md);opacity:0;transform:translateX(10px);transition:var(--transition);pointer-events:none}
.wa-float:hover .wa-tooltip{opacity:1;transform:translateX(0)}
.gold-divider{width:56px;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:2px;margin:12px auto 0}
.gold-divider.left{margin-left:0}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.text-center{text-align:center}
.feature-card{display:flex;align-items:flex-start;gap:14px;padding:18px 20px;border-right:1px solid rgba(255,255,255,0.08)}
.feature-card:last-child{border-right:none}
.feature-icon{width:44px;height:44px;background:rgba(201,168,76,0.15);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:1.2rem}
.feature-title{font-size:0.88rem;font-weight:700;color:var(--white);margin-bottom:4px}
.feature-desc{font-size:0.78rem;color:rgba(255,255,255,0.65);line-height:1.5}
.scroll-reveal{opacity:0;transform:translateY(24px);transition:opacity 0.6s ease,transform 0.6s ease}
.scroll-reveal.visible{opacity:1;transform:translateY(0)}
#scroll-top{position:fixed;bottom:100px;right:30px;z-index:999;width:42px;height:42px;background:var(--navy);color:var(--white);border-radius:50%;display:none;align-items:center;justify-content:center;cursor:pointer;box-shadow:var(--shadow-md);transition:var(--transition);font-size:1.1rem;border:none}
#scroll-top:hover{background:var(--gold);color:var(--navy)}
#scroll-top.visible{display:flex}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,0.15);border:1px solid rgba(201,168,76,0.4);border-radius:30px;padding:6px 16px;font-size:0.78rem;font-weight:600;color:#E2C97E;letter-spacing:0.08em;text-transform:uppercase;margin-bottom:20px}
.seguro-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 65%,#1E4A8A 100%);padding:80px 0 60px;position:relative;overflow:hidden}
.breadcrumb-link{color:rgba(255,255,255,0.55);font-size:0.8rem;transition:color .2s}
.breadcrumb-link:hover{color:var(--gold)}
.breadcrumb-sep{color:rgba(255,255,255,0.3);font-size:0.75rem;margin:0 6px}
.option-card{background:var(--white);border:1px solid rgba(10,31,63,0.08);border-left:4px solid var(--gold);border-radius:0 var(--radius-md) var(--radius-md) 0;padding:16px 20px;transition:var(--transition)}
.option-card:hover{box-shadow:var(--shadow-md);transform:translateX(4px)}
.tab-btn{padding:10px 24px;font-size:0.85rem;font-weight:600;border-bottom:2px solid transparent;color:var(--gray-text);cursor:pointer;transition:var(--transition)}
.tab-btn.active{border-bottom-color:var(--gold);color:var(--navy)}
.tab-pane{display:none}.tab-pane.active{display:block}
.related-card{background:var(--white);border:1px solid rgba(10,31,63,0.08);border-radius:var(--radius-md);padding:22px 18px;transition:var(--transition);text-align:center}
.related-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-4px)}
.coverage-item{display:flex;align-items:flex-start;gap:12px;padding:14px 0;border-bottom:1px solid var(--gray-mid)}
.coverage-item:last-child{border-bottom:none}
.coverage-check{width:26px;height:26px;flex-shrink:0;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:0.75rem;font-weight:800}
.sticky-cta{position:sticky;top:96px}
.cta-box{background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:var(--radius-lg);padding:30px 24px;box-shadow:var(--shadow-lg)}
@media(max-width:768px){.hero-grid{grid-template-columns:1fr !important}.hero-right-hide{display:none}.nav-desktop{display:none !important}#menu-toggle{display:block}.section-pad{padding:48px 0}.footer-grid{grid-template-columns:1fr 1fr !important}.seguro-layout{grid-template-columns:1fr !important}.sticky-cta{position:static}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr !important}}


/* ══ MOBILE ACCORDION MENU ══════════════════════════════════════════ */
.mobile-accordion { border-bottom: 1px solid rgba(255,255,255,0.08); }
.mobile-accordion-toggle {
  width:100%;display:flex;align-items:center;justify-content:space-between;
  background:none;border:none;cursor:pointer;text-align:left;
  color:var(--white);padding:12px 0;font-size:0.9rem;font-weight:600;
  letter-spacing:0.04em;transition:color 0.2s;
}
.mobile-accordion-toggle:hover { color:var(--gold); }
.accordion-arrow { transition:transform 0.3s ease;flex-shrink:0; }
.mobile-submenu {
  max-height:0;overflow:hidden;transition:max-height 0.35s ease;
  background:rgba(255,255,255,0.04);border-radius:0 0 8px 8px;
}
.mobile-submenu.open { max-height:500px; }
.mobile-submenu.open + .mobile-accordion-toggle .accordion-arrow,
.mobile-accordion-toggle.open .accordion-arrow { transform:rotate(180deg); }
.mobile-sub-link {
  display:block;padding:9px 16px;font-size:0.83rem;font-weight:500;
  color:rgba(255,255,255,0.75);transition:color 0.2s,padding-left 0.2s;
  border-left:2px solid transparent;
}
.mobile-sub-link:hover { color:var(--gold);padding-left:22px;border-left-color:var(--gold); }
#mobile-menu { display:none;background:var(--navy);padding:16px 20px; }
#mobile-menu.open { display:block; }

/* ══ HERO FIXES ══════════════════════════════════════════════════════ */
.hero-sub { color:var(--gold-light) !important;font-size:1.1rem;font-weight:500;line-height:1.7;margin-bottom:14px; }
.hero-headline { font-size:clamp(2.2rem,5.5vw,4rem) !important;font-weight:800; }
.hero-headline-gold { color:var(--gold); }
.hero-badge { font-size:0.88rem !important;padding:8px 20px !important; }

/* ══ VIEWPORT / RESPONSIVE FIXES ════════════════════════════════════ */
@media (max-width:768px) {
  html { -webkit-text-size-adjust:100%; }
  #navbar .container { padding:0 16px; }
  .nav-logo img { height:60px !important; }
  .hero-grid { grid-template-columns:1fr !important; }
  .hero-right-hide { display:none !important; }
  #inicio { min-height:auto !important;padding:60px 0 40px !important; }
  .hero-content { text-align:center; }
  .hero-badge { margin:0 auto 20px; }
  .hero-content .flex { justify-content:center; }
  .btn-primary, .btn-secondary { padding:12px 22px;font-size:0.88rem; }
}
@media (max-width:480px) {
  .btn-primary, .btn-secondary { width:100%;justify-content:center; }
  .hero-content .flex { flex-direction:column; }
}

/* ══ PAGESPEED: reduce paint / layout shift ══════════════════════════ */
#topbar, #navbar { will-change:auto; }
img { content-visibility:auto; }
.scroll-reveal { content-visibility:auto; }
.seguro-card { contain:layout style; }

/* ══ CAPTCHA BOX ═════════════════════════════════════════════════════ */
#captcha-box { display:flex;flex-direction:column;gap:4px; }
#captcha-answer::-webkit-outer-spin-button,
#captcha-answer::-webkit-inner-spin-button { -webkit-appearance:none;margin:0; }
#captcha-answer[type=number] { -moz-appearance:textfield; }

/* ══ HERO SLIDER ══════════════════════════════════════════════════════════ */
.hero-slide {
  opacity: 0;
  transition: opacity 1.2s ease;
}
.hero-slide.active {
  opacity: 1;
}
.slide-dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.5);
  background: transparent;
  cursor: pointer;
  transition: all 0.3s ease;
  padding: 0;
}
.slide-dot.active {
  background: var(--gold);
  border-color: var(--gold);
  width: 28px;
  border-radius: 5px;
}
.slide-dot:hover { border-color: var(--gold); }

/* ══ CARDS 4 COLUMNAS RESPONSIVE ═════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .cards-4col { grid-template-columns: repeat(2,1fr) !important; }
}
@media (max-width: 600px) {
  .cards-4col { grid-template-columns: 1fr !important; }
}