/* RMI Broker de Seguros — estilos del sitio
   Móvil primero. Colores de marca: azul marino #1E3A5F y dorado #B8972A */

:root {
  --navy: #1e3a5f;
  --navy-900: #122540;
  --navy-700: #2a4b75;
  --navy-50: #eef3f9;
  --gold: #b8972a;
  --gold-600: #9a7d1f;
  --gold-100: #f6efd9;
  --ink: #16263b;
  --text: #3d4a5c;
  --muted: #6b7788;
  --line: #e2e7ee;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --wa: #25d366;

  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;

  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px -12px rgba(18, 37, 64, .22);
  --shadow-lg: 0 24px 60px -20px rgba(18, 37, 64, .35);
  --container: 1180px;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--navy); text-decoration-color: rgba(184, 151, 42, .6); text-underline-offset: 3px; }
a:hover { color: var(--gold-600); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); line-height: 1.2; margin: 0 0 .6em; font-weight: 700; }
h1 { font-size: clamp(2rem, 7vw, 3.4rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.65rem, 5vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
ul { padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.skip-link {
  position: absolute; left: -999px; top: 8px; z-index: 100;
  background: var(--navy); color: #fff; padding: .6em 1em; border-radius: 8px;
}
.skip-link:focus { left: 8px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 16px; }
.section { padding: 64px 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: #d6e0ee; }
.section--navy h2, .section--navy h3 { color: #fff; }
.center { text-align: center; }
.narrow { max-width: 720px; margin-left: auto; margin-right: auto; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6em;
  font-family: var(--sans); font-size: .78rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600);
  margin-bottom: .9em;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); }
.section--navy .eyebrow, .hero .eyebrow { color: #d9bd5f; }
.lead { font-size: 1.1rem; color: var(--text); }
.section-head { margin-bottom: 36px; }
.section-head p { color: var(--muted); }
.gold { color: var(--gold); }
.accent { color: var(--gold); font-style: italic; }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  min-height: 50px; padding: .8em 1.5em; border-radius: 999px;
  font: 600 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: transform .2s, background .2s, color .2s, box-shadow .2s;
}
.btn svg { width: 20px; height: 20px; flex: none; }
.btn:hover { transform: translateY(-2px); }
.btn--gold { background: var(--gold); color: #fff; box-shadow: 0 10px 24px -10px rgba(184, 151, 42, .8); }
.btn--gold:hover { background: var(--gold-600); color: #fff; }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-900); color: #fff; }
.btn--outline { border-color: currentColor; color: var(--navy); background: transparent; }
.btn--outline:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--ghost-light { border-color: rgba(255,255,255,.55); color: #fff; }
.btn--ghost-light:hover { background: #fff; color: var(--navy); }
.btn--wa { background: var(--wa); color: #fff; }
.btn--wa:hover { background: #1ebe5b; color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-row .btn { flex: 1 1 auto; }
.link-arrow { font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: .4em; }
.link-arrow::after { content: "→"; transition: transform .2s; }
.link-arrow:hover::after { transform: translateX(4px); }

/* ---------- Encabezado ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: #fff; /* sin backdrop-filter: rompería el menú móvil (position: fixed) */
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: var(--header-h); gap: 16px; }
.brand { display: flex; align-items: center; flex: none; }
.brand img { width: 108px; height: auto; }
.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--line);
  background: #fff; color: var(--navy); cursor: pointer;
}
.nav-toggle svg { width: 24px; height: 24px; }
.nav-toggle .icon-close { display: none; }
.nav-open .nav-toggle .icon-close { display: block; }
.nav-open .nav-toggle .icon-menu { display: none; }

.site-nav {
  position: fixed; inset: var(--header-h) 0 0 0; background: #fff;
  padding: 16px 16px 40px; overflow-y: auto;
  opacity: 0; transform: translateY(-10px); visibility: hidden;
  transition: opacity .25s ease, transform .25s ease, visibility .25s;
}
.nav-open .site-nav { opacity: 1; }
.nav-open .site-nav { transform: none; visibility: visible; }
.nav-open { overflow: hidden; }
.site-nav ul { list-style: none; margin: 0; padding: 0; }
.site-nav li { border-bottom: 1px solid var(--line); }
.site-nav a {
  display: block; padding: 16px 4px; text-decoration: none;
  font-weight: 600; color: var(--ink); font-size: 1.08rem;
}
.site-nav a[aria-current="page"] { color: var(--gold-600); }
.site-nav .nav-cta { margin-top: 24px; display: grid; gap: 12px; }
.site-nav .nav-cta a { border: 0; }
.site-nav .nav-cta .btn { color: #fff; padding: .8em 1.5em; }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #d6e0ee;
  background:
    radial-gradient(900px 400px at 85% -10%, rgba(184,151,42,.25), transparent 60%),
    linear-gradient(160deg, var(--navy-900) 0%, var(--navy) 55%, var(--navy-700) 100%);
  padding: 48px 0 56px;
}
.hero::after {
  content: ""; position: absolute; inset: auto -10% -1px -10%; height: 60px;
  background: var(--bg); border-radius: 50% 50% 0 0 / 100% 100% 0 0;
}
.hero h1 { color: #fff; }
.hero .lead { color: #c9d5e5; max-width: 34em; }
.hero-grid { position: relative; z-index: 1; display: grid; gap: 36px; align-items: center; }
.hero-media { position: relative; }
.hero-photo {
  border-radius: 28px 28px 28px 110px; overflow: hidden; aspect-ratio: 4 / 3.4;
  box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,.15);
  background: var(--navy-700);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-badge {
  position: absolute; left: -6px; bottom: -18px; display: flex; gap: 12px; align-items: center;
  background: #fff; color: var(--ink); border-radius: 16px; padding: 12px 16px;
  box-shadow: var(--shadow-lg); max-width: 250px; font-size: .88rem; line-height: 1.35;
}
.hero-badge strong { display: block; font-family: var(--serif); font-size: 1.5rem; color: var(--navy); line-height: 1; }
.hero-badge .ico { width: 44px; height: 44px; border-radius: 12px; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; flex: none; }
.hero-badge .ico svg { width: 24px; height: 24px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 24px; padding: 0; list-style: none; font-size: .92rem; color: #c9d5e5; }
.hero-trust li { display: flex; align-items: center; gap: .45em; }
.hero-trust svg { width: 18px; height: 18px; color: var(--gold); }

/* Encabezado de páginas internas */
.page-hero {
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(184,151,42,.22), transparent 60%),
    linear-gradient(160deg, var(--navy-900), var(--navy));
  color: #c9d5e5; padding: 40px 0 48px;
}
.page-hero h1 { color: #fff; margin-bottom: .35em; }
.page-hero p { max-width: 42em; margin: 0; font-size: 1.08rem; }
.breadcrumb { font-size: .85rem; margin-bottom: 18px; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: .4em; padding: 0; margin: 0; }
.breadcrumb li + li::before { content: "/"; margin-right: .4em; color: rgba(255,255,255,.4); }
.breadcrumb a { color: #d9bd5f; text-decoration: none; }
.breadcrumb [aria-current] { color: #fff; }

/* ---------- Franja de cifras ---------- */
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.stat {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 20px 16px; box-shadow: var(--shadow);
}
.stat strong { display: block; font-family: var(--serif); font-size: 2rem; color: var(--navy); line-height: 1.1; }
.stat span { display: block; font-size: .88rem; line-height: 1.35; color: var(--muted); margin-top: 4px; }
.stats--overlap { position: relative; z-index: 2; margin-top: -8px; }

/* ---------- Tarjetas ---------- */
.grid { display: grid; gap: 18px; }
.card {
  position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 22px; box-shadow: 0 2px 0 rgba(18,37,64,.02);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(184,151,42,.45); }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--muted); margin-bottom: 1em; }
.card .link-arrow { color: var(--navy); }
.icon-box {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
  background: var(--navy-50); color: var(--navy); margin-bottom: 18px;
}
.icon-box svg { width: 28px; height: 28px; }
.card:hover .icon-box { background: var(--navy); color: var(--gold); }
.card--link { text-decoration: none; display: block; color: inherit; }
.card--link:hover { color: inherit; }

/* Tarjetas de categoría grandes con foto */
.category {
  position: relative; display: flex; flex-direction: column; justify-content: flex-end;
  min-height: 340px; border-radius: 24px; overflow: hidden; padding: 26px 22px;
  color: #fff; text-decoration: none; box-shadow: var(--shadow);
  background: var(--navy);
}
.category img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s; }
.category::before { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(180deg, rgba(18,37,64,0) 20%, rgba(18,37,64,.92) 100%); }
.category > *:not(img) { position: relative; z-index: 2; }
.category h3 { color: #fff; font-size: 1.6rem; margin-bottom: .3em; }
.category p { color: #d6e0ee; margin-bottom: .8em; }
.category .tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 14px; }
.category .tags span { font-size: .78rem; padding: .3em .8em; border-radius: 999px; background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.2); }
.category .link-arrow { color: #d9bd5f; }
.category:hover { color: #fff; }
.category:hover img { transform: scale(1.05); }

/* ---------- Bloques de dos columnas ---------- */
.split { display: grid; gap: 32px; align-items: center; }
.split-media { position: relative; }
.split-media img { border-radius: 24px; box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; }
.frame-gold { position: relative; }
.frame-gold::before {
  content: ""; position: absolute; inset: 14px -10px -14px 10px; border: 2px solid var(--gold);
  border-radius: 24px; z-index: -1;
}
.check-list { list-style: none; padding: 0; margin: 0 0 1.2em; display: grid; gap: 12px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list li::before {
  content: ""; flex: none; width: 22px; height: 22px; margin-top: 2px; border-radius: 50%;
  background: var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%239a7d1f' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / 13px no-repeat;
}
.section--navy .check-list li::before { background-color: rgba(184,151,42,.18); }

/* Comparativa bróker vs directo */
.compare { display: grid; gap: 16px; }
.compare-col { border-radius: var(--radius); padding: 24px 22px; }
.compare-col h3 { font-size: 1.15rem; }
.compare-col--muted { background: #fff; border: 1px dashed #c8d0db; }
.compare-col--muted li { color: var(--muted); }
.compare-col--rmi { background: var(--navy); color: #d6e0ee; box-shadow: var(--shadow-lg); }
.compare-col--rmi h3 { color: #fff; }
.x-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.x-list li { display: flex; gap: 10px; }
.x-list li::before { content: "–"; color: #9aa6b5; font-weight: 700; }

/* ---------- Pasos ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; counter-reset: step; }
.steps > li {
  position: relative; counter-increment: step; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 22px 20px 22px 76px;
}
.steps > li::before {
  content: counter(step); position: absolute; left: 20px; top: 20px;
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: var(--navy); color: var(--gold); font: 700 1.1rem/1 var(--serif);
}
.steps h3 { font-size: 1.1rem; margin-bottom: .3em; }
.steps p { margin: 0; color: var(--muted); }
.section--navy .steps > li { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.12); }
.section--navy .steps > li::before { background: var(--gold); color: var(--navy-900); }
.section--navy .steps p { color: #b9c6d8; }

/* Línea de tiempo (siniestros) */
.timeline { list-style: none; margin: 0; padding: 0 0 0 28px; position: relative; counter-reset: t; }
.timeline::before { content: ""; position: absolute; left: 11px; top: 6px; bottom: 6px; width: 2px; background: linear-gradient(var(--gold), var(--navy)); }
.timeline > li { position: relative; counter-increment: t; padding: 0 0 28px 22px; }
.timeline > li::before {
  content: counter(t); position: absolute; left: -28px; top: 0; width: 24px; height: 24px; border-radius: 50%;
  background: var(--navy); color: #fff; font: 700 .8rem/24px var(--sans); text-align: center;
  box-shadow: 0 0 0 4px #fff;
}
.timeline > li.is-rmi::before { background: var(--gold); }
.timeline h3 { font-size: 1.12rem; margin-bottom: .25em; }
.timeline p { margin: 0; color: var(--muted); }
.timeline .tag-rmi { display: inline-block; font: 600 .72rem/1 var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--gold-600); background: var(--gold-100); padding: .45em .7em; border-radius: 999px; margin-bottom: .5em; }

.alert {
  display: flex; gap: 14px; align-items: flex-start; border-radius: var(--radius);
  background: #fff6f5; border: 1px solid #f3c9c4; padding: 18px; color: #7a2e25;
}
.alert svg { width: 26px; height: 26px; flex: none; color: #c0392b; }
.alert strong { color: #7a2e25; }
.alert p { margin: 0; }

/* Pestañas (tipos de siniestro) */
.tabs { display: flex; gap: 8px; overflow-x: auto; padding-bottom: 4px; margin-bottom: 20px; scrollbar-width: none; }
.tabs::-webkit-scrollbar { display: none; }
.tab {
  flex: none; border: 1px solid var(--line); background: #fff; color: var(--ink);
  padding: .7em 1.2em; border-radius: 999px; font: 600 .95rem var(--sans); cursor: pointer;
}
.tab[aria-selected="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.tab-panel[hidden] { display: none; }

/* ---------- Productos (detalle) ---------- */
.product { display: grid; gap: 26px; padding: 44px 0; border-top: 1px solid var(--line); scroll-margin-top: calc(var(--header-h) + 12px); }
.product:first-of-type { border-top: 0; }
.product-head { display: flex; gap: 16px; align-items: center; margin-bottom: 12px; }
.product-head .icon-box { margin: 0; width: 60px; height: 60px; background: var(--navy); color: var(--gold); }
.product-head h2 { margin: 0; font-size: clamp(1.5rem, 4.5vw, 2.1rem); }
.product-head small { display: block; font: 600 .78rem var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-600); }
.product-body > p { font-size: 1.05rem; }
.product-box { background: var(--bg-soft); border-radius: var(--radius); padding: 22px 20px; }
.product-box h3 { font-size: 1.05rem; font-family: var(--sans); font-weight: 700; margin-bottom: .8em; }
.product-box + .product-box { margin-top: 14px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; margin: 0; }
.chips li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: .35em .9em; font-size: .9rem; }
.jump-nav { display: flex; gap: 8px; overflow-x: auto; padding: 14px 0; scrollbar-width: none; }
.jump-nav::-webkit-scrollbar { display: none; }
.jump-nav a { flex: none; text-decoration: none; font-weight: 600; font-size: .92rem; padding: .55em 1.1em; border-radius: 999px; background: var(--navy-50); color: var(--navy); }
.jump-nav a:hover { background: var(--navy); color: #fff; }
.jump-bar { position: sticky; top: var(--header-h); z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); }

/* ---------- Aseguradoras ---------- */
.insurers { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.insurer {
  display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;
  min-height: 96px; padding: 16px 12px; border-radius: 14px; background: #fff; border: 1px solid var(--line);
  font-family: var(--serif); font-weight: 700; font-size: 1.3rem; color: var(--navy); letter-spacing: .02em;
}
.insurer small { font: 500 .78rem var(--sans); color: var(--muted); letter-spacing: 0; margin-top: 4px; }
.section--navy .insurer { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.14); color: #fff; }
.section--navy .insurer small { color: #9fb0c6; }

/* ---------- Persona (CEO) ---------- */
.person { display: grid; gap: 28px; align-items: center; }
.person-photo { position: relative; max-width: 380px; margin: 0 auto; }
.person-photo img { border-radius: 24px; box-shadow: var(--shadow-lg); width: 100%; }
.person-photo::before {
  content: ""; position: absolute; inset: 16px -12px -16px 12px; border: 2px solid var(--gold); border-radius: 24px; z-index: -1;
}
.person-name { font-family: var(--serif); font-size: 1.5rem; color: var(--ink); margin: 0; }
.person-role { color: var(--gold-600); font-weight: 600; font-size: .95rem; margin-bottom: 1em; }
blockquote.quote {
  margin: 0 0 1.4em; padding: 0 0 0 20px; border-left: 3px solid var(--gold);
  font-family: var(--serif); font-size: 1.25rem; font-style: italic; color: var(--ink); line-height: 1.5;
}

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 10px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 0 18px; }
.faq summary {
  cursor: pointer; list-style: none; padding: 18px 32px 18px 0; position: relative;
  font-weight: 600; color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { color: var(--muted); padding-bottom: 18px; margin: 0; }

/* ---------- CTA final ---------- */
.cta-band {
  position: relative; overflow: hidden; border-radius: 28px; padding: 40px 24px; color: #d6e0ee;
  background:
    radial-gradient(500px 240px at 100% 0%, rgba(184,151,42,.35), transparent 60%),
    linear-gradient(150deg, var(--navy-900), var(--navy));
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band p { max-width: 36em; }

/* ---------- Formularios ---------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 26px 20px; box-shadow: var(--shadow); }
.form-grid { display: grid; gap: 16px; }
.field label, .field legend { display: block; font-weight: 600; color: var(--ink); margin-bottom: 6px; font-size: .95rem; }
.field .opt { font-weight: 400; color: var(--muted); font-size: .85rem; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px; border-radius: 12px; border: 1.5px solid #cfd7e2;
  font: 400 1rem var(--sans); color: var(--ink); background: #fff; transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(30,58,95,.12); }
.field.has-error input, .field.has-error select { border-color: #c0392b; }
.field .error { display: none; color: #c0392b; font-size: .85rem; margin-top: 6px; }
.field.has-error .error { display: block; }
.field fieldset { border: 0; padding: 0; margin: 0; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.choice { position: relative; }
.field .choice input { position: absolute; top: 0; left: 0; width: 1px; height: 1px; min-height: 0; padding: 0; opacity: 0; pointer-events: none; }
.choice span {
  display: flex; align-items: center; justify-content: center; text-align: center; min-height: 50px;
  padding: 8px 10px; border-radius: 12px; border: 1.5px solid #cfd7e2; font-weight: 600; font-size: .92rem;
  cursor: pointer; color: var(--ink); transition: all .15s; background: #fff;
}
.choice input:checked + span { border-color: var(--navy); background: var(--navy); color: #fff; }
.choice input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.extra-fields[hidden] { display: none; }
.extra-fields { display: grid; gap: 16px; padding: 16px; border-radius: 14px; background: var(--bg-soft); }
.form-note { font-size: .85rem; color: var(--muted); margin: 0; }

/* ---------- Contacto ---------- */
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.contact-item {
  display: flex; gap: 14px; align-items: flex-start; padding: 18px; border-radius: 16px;
  background: #fff; border: 1px solid var(--line); text-decoration: none; color: inherit;
}
a.contact-item:hover { border-color: var(--gold); color: inherit; }
.contact-item .icon-box { margin: 0; width: 46px; height: 46px; flex: none; }
.contact-item .icon-box svg { width: 22px; height: 22px; }
.contact-item strong { display: block; color: var(--ink); }
.contact-item span { color: var(--muted); font-size: .95rem; word-break: break-word; }
.map-wrap { border-radius: 20px; overflow: hidden; border: 1px solid var(--line); aspect-ratio: 4 / 3; background: var(--bg-soft); }
.map-wrap iframe { width: 100%; height: 100%; border: 0; }
.map-placeholder { display: grid; place-items: center; height: 100%; text-align: center; padding: 20px; }

/* ---------- Pie de página ---------- */
.site-footer { background: var(--navy-900); color: #aebbd0; padding: 56px 0 100px; font-size: .95rem; }
.site-footer a { color: #d6e0ee; text-decoration: none; }
.site-footer a:hover { color: #d9bd5f; }
.footer-grid { display: grid; gap: 32px; }
.footer-logo { display: inline-block; background: #fff; border-radius: 14px; padding: 10px 14px; margin-bottom: 16px; }
.footer-logo img { width: 130px; }
.site-footer h2 { font-family: var(--sans); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: #d9bd5f; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.social { display: flex; gap: 10px; margin-top: 14px; }
.social a { width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.2); }
.social a:hover { background: var(--gold); border-color: var(--gold); color: #fff; }
.social svg { width: 20px; height: 20px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 40px; padding-top: 20px; font-size: .85rem; display: grid; gap: 6px; }

/* ---------- WhatsApp flotante ---------- */
.wa-float {
  position: fixed; right: 16px; bottom: 16px; z-index: 60;
  display: flex; align-items: center; gap: 10px; height: 58px; padding: 0 18px 0 14px;
  border-radius: 999px; background: var(--wa); color: #fff; text-decoration: none; font-weight: 600;
  box-shadow: 0 12px 28px -8px rgba(0,0,0,.35);
  transition: transform .2s;
}
.wa-float:hover { color: #fff; transform: translateY(-3px); }
.wa-float svg { width: 30px; height: 30px; }
.wa-float .wa-label { display: none; }
.nav-open .wa-float { display: none; }
.wa-float::before {
  content: ""; position: absolute; inset: 0; border-radius: inherit; border: 2px solid var(--wa);
  animation: pulse 2.4s ease-out infinite;
}
@keyframes pulse { 0% { transform: scale(1); opacity: .8; } 100% { transform: scale(1.35); opacity: 0; } }

/* ---------- Animación al hacer scroll ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .js .reveal { opacity: 1; transform: none; }
}

/* ================= Tablet ================= */
@media (min-width: 640px) {
  .container { padding: 0 24px; }
  .stats { grid-template-columns: repeat(4, 1fr); }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .insurers { grid-template-columns: repeat(4, 1fr); }
  .choice-grid { grid-template-columns: repeat(3, 1fr); }
  .form-grid--2 { grid-template-columns: 1fr 1fr; }
  .form-grid--2 .span-2 { grid-column: 1 / -1; }
  .compare { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .wa-float .wa-label { display: inline; }
  .btn-row .btn { flex: 0 0 auto; }
  .cta-band { padding: 56px 48px; }
}

/* ================= Escritorio ================= */
@media (min-width: 980px) {
  :root { --header-h: 84px; }
  .section { padding: 96px 0; }
  .brand img { width: 128px; }
}

/* Menú horizontal solo cuando cabe completo */
@media (min-width: 1140px) {
  .nav-toggle { display: none; }
  .site-nav a { white-space: nowrap; }
  .site-nav {
    position: static; transform: none; visibility: visible; opacity: 1; padding: 0; overflow: visible;
    background: none; display: flex; align-items: center; gap: 28px;
  }
  .site-nav ul { display: flex; gap: 4px; }
  .site-nav li { border: 0; }
  .site-nav a { font-size: .93rem; padding: 10px 10px; position: relative; }
  .site-nav ul a::after {
    content: ""; position: absolute; left: 10px; right: 10px; bottom: 4px; height: 2px;
    background: var(--gold); transform: scaleX(0); transition: transform .25s;
  }
  .site-nav ul a:hover::after, .site-nav ul a[aria-current="page"]::after { transform: scaleX(1); }
  .site-nav .nav-cta { margin: 0; display: block; }
  .site-nav .nav-cta .btn { min-height: 44px; padding: .6em 1.3em; font-size: .93rem; }
  .site-nav .nav-cta .btn--wa { display: none; }
}

@media (min-width: 980px) {

  .hero { padding: 72px 0 110px; }
  .hero-grid { grid-template-columns: 1.1fr .9fr; gap: 56px; }
  .hero-badge { left: -36px; bottom: 28px; }
  .page-hero { padding: 64px 0 72px; }
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
  .split { grid-template-columns: 1fr 1fr; gap: 64px; }
  .split--reverse .split-media { order: 2; }
  .person { grid-template-columns: 380px 1fr; gap: 64px; }
  .product { grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: start; }
  .steps--4 { grid-template-columns: repeat(4, 1fr); }
  .steps--4 > li { padding: 76px 22px 24px; }
  .steps--4 > li::before { left: 22px; top: 22px; }
  .steps--3 { grid-template-columns: repeat(3, 1fr); }
  .steps--3 > li { padding: 76px 22px 24px; }
  .steps--3 > li::before { left: 22px; top: 22px; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.3fr; }
  .site-footer { padding-bottom: 40px; }
  .footer-bottom { grid-template-columns: 1fr auto; }
  .contact-layout { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; }
  .quote-layout { display: grid; grid-template-columns: 1.3fr .7fr; gap: 48px; align-items: start; }
  .quote-aside { position: sticky; top: calc(var(--header-h) + 24px); }
}
@media (min-width: 1200px) {
  .site-nav ul { gap: 8px; }
}