:root{
    --navy-900:#12203B;
    --navy-800:#1B2E52;
    --navy-700:#28406F;
    --paper:#EFE9DA;
    --paper-2:#E6DFCC;
    --ink:#1C1B17;
    --ink-soft:#4E4B41;
    --gold:#E17A2D;
    --gold-deep:#B85E1E;
    --line: rgba(18,32,59,0.16);
    --line-on-navy: rgba(239,233,218,0.22);
    --white:#FCFAF4;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:'IBM Plex Sans', Arial, sans-serif;
    background:var(--paper);
    color:var(--ink);
    line-height:1.55;
  }
  h1,h2,h3,.serif{font-family:'Source Serif 4', Georgia, serif;}
  h1,h2,h3{font-weight:600; margin:0; color:var(--navy-900);}
  a{color:inherit;}
  .wrap{max-width:1120px; margin:0 auto; padding:0 24px;}
  img{max-width:100%; display:block;}

  /* topbar */
  .topbar{background:var(--navy-900); color:var(--paper); font-size:13px;}
  .topbar .wrap{display:flex; justify-content:space-between; align-items:center; padding:8px 24px; flex-wrap:wrap; gap:6px;}
  .topbar a{color:var(--paper); text-decoration:none;}
  .topbar .ssn{color:rgba(239,233,218,0.7);}

  /* header */
  header.site{background:var(--navy-800); position:sticky; top:0; z-index:20; border-bottom:1px solid var(--line-on-navy);}
  header.site .wrap{display:flex; align-items:center; justify-content:space-between; padding:16px 24px;}
  .logo{font-family:'Source Serif 4', serif; font-size:24px; font-weight:700; color:var(--paper); text-decoration:none; letter-spacing:0.3px;}
  .logo span{color:var(--gold);}
  nav.main{display:flex; gap:28px; align-items:center;}
  nav.main a{color:var(--paper); text-decoration:none; font-size:15px;}
  nav.main a:hover{color:var(--gold);}
  .btn{
    display:inline-flex; align-items:center; gap:8px;
    padding:11px 22px; border-radius:3px; font-size:15px; font-weight:600;
    text-decoration:none; border:1px solid transparent; cursor:pointer;
  }
  .btn-gold{background:var(--gold); color:var(--navy-900);}
  .btn-gold:hover{background:var(--gold-deep);}
  .btn-outline-light{border-color:var(--line-on-navy); color:var(--paper);}
  .btn-outline-light:hover{border-color:var(--gold); color:var(--gold);}
  .btn-outline-dark{border-color:var(--navy-800); color:var(--navy-800);}
  .btn-outline-dark:hover{background:var(--navy-800); color:var(--paper);}

  /* hero */
  .hero{background:var(--navy-900); color:var(--paper); padding:76px 0 90px;}
  .hero .wrap{display:grid; grid-template-columns:1.1fr 0.9fr; gap:56px; align-items:center;}
  .hero .eyebrow{color:var(--gold); font-size:14px; margin-bottom:14px;}
  .hero h1{font-size:44px; line-height:1.18; color:var(--white); max-width:520px;}
  .hero p.lead{color:rgba(239,233,218,0.82); font-size:17px; max-width:460px; margin:20px 0 30px;}
  .hero .ctas{display:flex; gap:14px; flex-wrap:wrap;}

  .policy-card{
    background:var(--paper); color:var(--ink); border-radius:6px;
    padding:28px 26px; position:relative; box-shadow:0 22px 50px rgba(0,0,0,0.28);
  }
  .policy-card .seal{
    position:absolute; top:-18px; right:26px; width:56px; height:56px; border-radius:50%;
    background:var(--gold); display:flex; align-items:center; justify-content:center;
    color:var(--navy-900); font-weight:700; font-size:12px; text-align:center; line-height:1.1;
    border:3px solid var(--paper);
  }
  .policy-card h3{font-size:15px; color:var(--ink-soft); font-weight:500; margin-bottom:4px;}
  .policy-card .num{font-family:'Source Serif 4', serif; font-size:22px; color:var(--navy-900); margin-bottom:18px;}
  .policy-row{display:flex; justify-content:space-between; padding:9px 0; border-top:1px solid var(--line); font-size:14px;}
  .policy-row span:first-child{color:var(--ink-soft);}
  .policy-row span:last-child{font-weight:600;}

  /* trust strip */
  .trust{background:var(--paper-2); border-bottom:1px solid var(--line);}
  .trust .wrap{display:flex; justify-content:space-between; padding:26px 24px; flex-wrap:wrap; gap:18px;}
  .trust .item{flex:1; min-width:180px; text-align:left; border-left:2px solid var(--gold); padding-left:14px;}
  .trust .item b{display:block; font-family:'Source Serif 4', serif; font-size:22px; color:var(--navy-900);}
  .trust .item small{color:var(--ink-soft); font-size:13px;}

  section{padding:76px 0;}
  .section-head{max-width:600px; margin-bottom:44px;}
  .section-head .kicker{color:var(--gold-deep); font-size:14px; margin-bottom:10px; font-weight:600;}
  .section-head h2{font-size:32px;}
  .section-head p{color:var(--ink-soft); margin-top:14px; font-size:16px;}

  /* servicios como lista de poliza, no cards con sombra */
  .cover-list{border-top:1px solid var(--line);}
  .cover-item{
    display:grid; grid-template-columns:52px 1fr auto; gap:22px; align-items:center;
    padding:26px 0; border-bottom:1px solid var(--line);
  }
  .cover-item .icon{
    width:52px; height:52px; border-radius:50%; background:var(--navy-900);
    display:flex; align-items:center; justify-content:center; color:var(--gold);
  }
  .cover-item h3{font-size:20px; margin-bottom:6px;}
  .cover-item p{color:var(--ink-soft); font-size:15px; margin:0; max-width:520px;}
  .cover-item .go{font-size:14px; font-weight:600; color:var(--navy-800); text-decoration:none; white-space:nowrap;}
  .cover-item .go:hover{color:var(--gold-deep);}

  /* por que elegirnos */
  .why{background:var(--navy-900); color:var(--paper);}
  .why .wrap{display:grid; grid-template-columns:0.9fr 1.1fr; gap:56px;}
  .why .section-head h2{color:var(--white);}
  .why .section-head p{color:rgba(239,233,218,0.75);}
  .why .section-head .kicker{color:var(--gold);}
  .pillars{display:flex; flex-direction:column; gap:0;}
  .pillar{padding:22px 0; border-top:1px solid var(--line-on-navy);}
  .pillar:last-child{border-bottom:1px solid var(--line-on-navy);}
  .pillar h3{color:var(--gold); font-size:17px; margin-bottom:6px; font-family:'Source Serif 4', serif; font-weight:600;}
  .pillar p{margin:0; color:rgba(239,233,218,0.78); font-size:15px;}

  /* formulario cotizacion */
  .quote{background:var(--paper-2);}
  .quote .box{
    background:var(--white); border:1px solid var(--line); border-radius:6px;
    padding:40px; display:grid; grid-template-columns:1fr 1fr; gap:44px;
  }
  .quote .intro h2{font-size:28px; margin-bottom:14px;}
  .quote .intro p{color:var(--ink-soft); font-size:15px; margin-bottom:20px;}
  .quote .intro ul{padding-left:18px; margin:0; color:var(--ink-soft); font-size:14px;}
  .quote .intro li{margin-bottom:8px;}
  form.q-form{display:flex; flex-direction:column; gap:14px;}
  .field label{display:block; font-size:13px; color:var(--ink-soft); margin-bottom:6px;}
  .field input, .field select, .field textarea{
    width:100%; padding:11px 12px; border:1px solid var(--line); border-radius:4px;
    font-family:inherit; font-size:15px; background:var(--paper); color:var(--ink);
  }
  .field textarea{resize:vertical; min-height:70px;}
  .field input:focus, .field select:focus, .field textarea:focus{outline:2px solid var(--gold); outline-offset:1px;}
  .err{color:#9a2f2f; font-size:13px; display:none; margin-top:4px;}

  /* carrete de companias */
  .cias{background:var(--white); border-bottom:1px solid var(--line); padding:56px 0;}
  .cias .section-head{margin-bottom:30px;}
  .cias-track-wrap{overflow:hidden; -webkit-mask-image:linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image:linear-gradient(90deg, transparent, #000 8%, #000 52%, transparent);}
  .cias-track{display:flex; align-items:center; gap:84px; width:max-content; animation:cias-scroll 15s linear infinite;}
  .cias-track img{height:272px; width:auto; max-width:230px; object-fit:contain; filter:grayscale(100%); opacity:1.1; transition:filter 0.2s, opacity 0.2s;}
  .cias-track img:hover{filter:grayscale(0%); opacity:1;}
  .cias-track-wrap:hover .cias-track{animation-play-state:paused;}
  @keyframes cias-scroll{from{transform:translateX(0);} to{transform:translateX(-50%);}}
  @media (prefers-reduced-motion: reduce){
    .cias-track{animation:none; flex-wrap:wrap; justify-content:center;}
  }
  @media(max-width:860px){
    .cias-track img{height:52px;}
  }

  footer{background:var(--navy-900); color:rgba(239,233,218,0.8); padding:56px 0 24px; font-size:14px;}
  footer .wrap{display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:40px;}
  footer h4{color:var(--paper); font-family:'Source Serif 4', serif; font-size:17px; margin-bottom:14px;}
  footer p{margin:0 0 8px;}
  footer a{text-decoration:none; color:rgba(239,233,218,0.8);}
  footer a:hover{color:var(--gold);}
  .social-row{display:flex; gap:12px; margin-top:14px;}
  .social-row a{
    width:36px; height:36px; border:1px solid var(--line-on-navy); border-radius:50%;
    display:flex; align-items:center; justify-content:center;
  }
  .social-row a:hover{border-color:var(--gold);}
  .bottom-line{border-top:1px solid var(--line-on-navy); margin-top:40px; padding-top:20px; text-align:center; font-size:13px; color:rgba(239,233,218,0.55);}

  .wa-float{
    position:fixed; bottom:22px; right:22px; z-index:30;
    background:#25D366; color:#fff; width:58px; height:58px; border-radius:50%;
    display:flex; align-items:center; justify-content:center; text-decoration:none;
    box-shadow:0 8px 20px rgba(0,0,0,0.28);
    animation:wa-pulse 2.2s infinite;
  }
  @keyframes wa-pulse{
    0%{box-shadow:0 8px 20px rgba(0,0,0,0.28), 0 0 0 0 rgba(37,211,102,0.55);}
    70%{box-shadow:0 8px 20px rgba(0,0,0,0.28), 0 0 0 16px rgba(37,211,102,0);}
    100%{box-shadow:0 8px 20px rgba(0,0,0,0.28), 0 0 0 0 rgba(37,211,102,0);}
  }
  @media (prefers-reduced-motion: reduce){
    .wa-float{animation:none;}
  }

  @media(max-width:860px){
    .hero .wrap{grid-template-columns:1fr;}
    .hero h1{font-size:34px;}
    .why .wrap{grid-template-columns:1fr;}
    .quote .box{grid-template-columns:1fr; padding:26px;}
    footer .wrap{grid-template-columns:1fr; gap:30px;}
    nav.main{display:none;}
    .cover-item{grid-template-columns:44px 1fr; row-gap:10px;}
    .cover-item .go{grid-column:1 / -1;}
  }