@font-face{font-family:'DM Serif Display';font-style:normal;font-weight:400;font-display:swap;src:url(fonts/serif.woff2) format('woff2')}
@font-face{font-family:'DM Serif Display';font-style:italic;font-weight:400;font-display:swap;src:url(fonts/serif-i.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:400;font-display:swap;src:url(fonts/inter-400.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:500;font-display:swap;src:url(fonts/inter-500.woff2) format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:600;font-display:swap;src:url(fonts/inter-600.woff2) format('woff2')}
:root{
  --navy:#0F2A44; --navy-2:#163A5C; --navy-3:#0A1E31; --cream:#F6F3EE; --sand:#EFE9DF; --paper:#FFFFFF;
  --gold:#B8925A; --gold-2:#CDAA74; --gold-dark:#8A6A3C; --red:#C8473D; --coral:#F08B7F;
  --ink:#0F2A44; --muted:#4A5B6E; --muted-light:#C9D2DC; --line:#E4DED3;
  --serif:'DM Serif Display', Georgia, 'Times New Roman', serif;
  --sans:'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  --max:1200px; --pad:clamp(20px,4vw,40px); --r:22px;
  --shadow:0 24px 60px -24px rgba(10,30,49,.35);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--cream);font-size:17px;line-height:1.65;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.06;margin:0;letter-spacing:-.01em}
p{margin:0}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 var(--pad)}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:10px 14px;border-radius:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dark)}
.eyebrow::before{content:"";width:28px;height:2px;background:currentColor}
.on-dark .eyebrow{color:var(--gold)}
.photo{background-color:var(--navy-2);background-size:cover;background-position:center;position:relative;overflow:hidden}
.photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,42,68,0) 55%,rgba(15,42,68,.35))}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:14px;font:600 16px/1 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;white-space:nowrap;transition:transform .2s ease,background .2s ease,border-color .2s ease}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2)}
.btn-line{border-color:rgba(246,243,238,.45);color:var(--cream)}
.btn-line:hover{border-color:var(--cream)}
.btn-navy{background:var(--navy);color:var(--cream)}
.btn-navy:hover{background:var(--navy-2)}
.btn svg{width:18px;height:18px}

/* header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:50;transition:background .3s ease,box-shadow .3s ease}
.site-header.solid{background:rgba(15,42,68,.97);box-shadow:0 10px 30px -18px rgba(0,0,0,.5);backdrop-filter:blur(8px)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--cream);min-width:0}
.mono{flex:none;width:44px;height:44px;border-radius:50%;border:2px solid var(--gold);display:grid;place-items:center;font-family:var(--serif);font-size:18px;letter-spacing:-1px;color:var(--cream);background:var(--navy-2)}
.brand b{font-family:var(--serif);font-weight:400;font-size:22px;white-space:nowrap}
.menu{display:flex;align-items:center;gap:30px}
.menu a{color:#D8DFE7;text-decoration:none;font-size:15px;font-weight:500}
.menu a:hover{color:#fff}
.menu .btn{min-height:46px;padding:0 20px;font-size:15px;color:var(--navy)}
.burger{display:none;width:48px;height:48px;border-radius:12px;border:1.5px solid rgba(246,243,238,.35);background:transparent;color:var(--cream);cursor:pointer;place-items:center}
.burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:currentColor;border-radius:2px;position:relative;transition:transform .25s ease,opacity .25s ease}
.burger span::before,.burger span::after{content:"";position:absolute;left:0}
.burger span::before{top:-6px}.burger span::after{top:6px}
.nav-open .burger span{background:transparent}
.nav-open .burger span::before{transform:translateY(6px) rotate(45deg)}
.nav-open .burger span::after{transform:translateY(-6px) rotate(-45deg)}
@media (max-width:920px){
  .burger{display:grid}
  .menu{position:fixed;inset:76px 0 auto 0;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);padding:8px var(--pad) 24px;box-shadow:0 20px 40px -20px rgba(0,0,0,.6);transform:translateY(-12px);opacity:0;pointer-events:none;transition:opacity .25s ease,transform .25s ease;max-height:calc(100vh - 76px);overflow:auto}
  .nav-open .menu{opacity:1;transform:none;pointer-events:auto}
  .nav-open .site-header{background:var(--navy)}
  .menu a{padding:16px 2px;border-bottom:1px solid rgba(201,210,220,.14);font-size:17px}
  .menu .btn{margin-top:18px;min-height:52px;border-bottom:0}
}
@media (max-width:380px){.brand b{font-size:19px}.mono{width:38px;height:38px;font-size:15px}}

/* hero */
.hero{position:relative;background:radial-gradient(1100px 600px at 15% 10%,#21476e 0%,var(--navy) 55%);color:var(--cream);padding:150px 0 110px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}
.tag{display:inline-block;background:var(--red);color:var(--cream);font-weight:600;font-size:12.5px;letter-spacing:.16em;padding:8px 14px;border-radius:8px}
.hero h1{font-size:clamp(40px,6.2vw,74px);margin:22px 0 24px}
.hero h1 em{font-style:italic;color:var(--coral)}
.hero .lead{font-size:clamp(17px,1.6vw,20px);color:#CFD8E2;max-width:560px;margin-bottom:34px}
.cta{display:flex;flex-wrap:wrap;gap:14px}
.hero-media{position:relative}
.hero-photo{aspect-ratio:4/5;border-radius:28px;box-shadow:var(--shadow);background-position:center 30%}
.float{position:absolute;left:-36px;bottom:36px;background:var(--cream);color:var(--navy);border-radius:20px;padding:20px 22px;box-shadow:var(--shadow);max-width:300px;display:flex;gap:14px;align-items:flex-start}
.float svg{flex:none;width:44px;height:44px}
.float strong{display:block;font-family:var(--serif);font-weight:400;font-size:21px;line-height:1.15;margin-bottom:4px}
.float span{font-size:14px;color:var(--muted)}
.hero-ring{position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(184,146,90,.2)}
@media (max-width:920px){
  .hero{padding:118px 0 72px}
  .hero-grid{grid-template-columns:1fr}
  .hero-photo{aspect-ratio:5/4;border-radius:22px}
  .float{position:relative;left:auto;bottom:auto;margin:-48px 16px 0;max-width:none}
}
@media (max-width:560px){
  .cta .btn{width:100%}
  .hero-photo{aspect-ratio:4/3.4}
}

/* trust strip */
.trust{background:var(--paper);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.trust-item{display:flex;gap:14px;align-items:center;padding:26px 24px;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:0}
.trust-item svg{flex:none;width:34px;height:34px}
.trust-item b{display:block;font-size:15.5px}
.trust-item span{font-size:14px;color:var(--muted)}
@media (max-width:820px){.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line);padding:18px 4px}.trust-item:last-child{border-bottom:0}}

/* sections */
section{padding:clamp(72px,10vw,120px) 0}
.head{max-width:760px;margin-bottom:clamp(36px,5vw,56px)}
.head h2{font-size:clamp(32px,4.6vw,52px);margin:16px 0 16px}
.head p{color:var(--muted);font-size:clamp(16px,1.4vw,18.5px)}
.on-dark{background:var(--navy);color:var(--cream)}
.on-dark .head p{color:var(--muted-light)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative}
.step{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;position:relative}
.step .n{width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--cream);display:grid;place-items:center;font-family:var(--serif);font-size:24px;margin-bottom:20px}
.step h3{font-size:25px;margin-bottom:10px}
.step p{color:var(--muted);font-size:15.5px}
@media (max-width:980px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:600px){
  .steps{grid-template-columns:1fr;gap:0;padding-left:26px;border-left:2px solid var(--line);margin-left:6px}
  .step{border:0;background:transparent;padding:0 0 30px 18px}
  .step .n{position:absolute;left:-54px;top:-4px;width:44px;height:44px;font-size:20px;margin:0}
}

/* insurance cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:var(--navy-2);border:1px solid rgba(184,146,90,.28);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.card .photo{aspect-ratio:16/10}
.card-body{padding:26px 26px 28px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h3{font-size:28px;color:var(--cream)}
.card p{color:var(--muted-light);font-size:15.5px}
.lp{margin-top:auto;padding-top:16px;border-top:1px solid rgba(201,210,220,.16);font-size:15px;color:#ECE6DB}
.lp b{display:block;font-size:11.5px;letter-spacing:.16em;color:var(--coral);margin-bottom:6px;font-weight:600}
.cards-note{margin-top:26px;color:var(--muted-light);font-size:14.5px}
@media (max-width:1000px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:680px){
  .cards{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;scroll-padding-inline:var(--pad);gap:16px;margin:0 calc(var(--pad) * -1);padding:4px var(--pad) 18px;scrollbar-width:none}
  .cards::-webkit-scrollbar{display:none}
  .card{flex:0 0 84%;scroll-snap-align:start}
  .swipe{display:flex!important}
}
.swipe{display:none;align-items:center;gap:8px;color:var(--muted-light);font-size:14px;margin-top:6px}

/* quote band */
.band{position:relative;padding:clamp(90px,12vw,150px) 0;color:var(--cream);text-align:center;background-color:var(--navy-3);background-size:cover;background-position:center}
.band::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,30,49,.78),rgba(10,30,49,.88))}
.band .wrap{position:relative}
.band blockquote{margin:0 auto;max-width:900px;font-family:var(--serif);font-size:clamp(32px,5vw,58px);line-height:1.12}
.band blockquote em{color:var(--gold-2);font-style:italic}
.band p{margin-top:22px;color:var(--muted-light)}

/* about */
.about{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(36px,6vw,80px);align-items:center}
.about-photo{aspect-ratio:4/5;border-radius:28px;box-shadow:var(--shadow)}
.about-me{background-position:center top}
.about-me::after{display:none}
.about h2{font-size:clamp(32px,4.6vw,50px);margin:16px 0 20px}
.about p{color:var(--muted);margin-bottom:16px}
.principles{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:26px 0}
.pr{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px}
.pr h3{font-size:20px;margin-bottom:6px}
.pr p{font-size:14.5px;margin:0}
.career{margin:26px 0 8px;padding:22px 24px;border-radius:18px;background:#fff;border:1px solid var(--line)}
.career h3{font-family:var(--serif);font-size:22px;color:var(--navy);margin:0 0 12px}
.career ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.career li{position:relative;padding-left:26px;font-size:15.5px;line-height:1.55;color:var(--muted)}
.career li::before{content:"";position:absolute;left:0;top:.55em;width:10px;height:10px;border-radius:50%;background:var(--gold)}
.career li b{color:var(--navy)}
.career .human{margin:14px 0 0;font-size:14.5px;font-style:italic}
.about-side{display:flex;flex-direction:column;gap:18px}
.me-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px 20px;display:flex;flex-direction:column;gap:14px;box-shadow:0 10px 30px rgba(15,42,68,.06)}
.me-card b{display:block;font-family:var(--serif);font-weight:400;font-size:24px;color:var(--navy)}
.me-card span{font-size:14.5px;color:var(--muted)}
.me-actions{display:flex;gap:10px;flex-wrap:wrap}
.me-actions .btn{flex:1;justify-content:center;text-align:center;padding:12px 16px;font-size:15px}
.btn-ghost-dark{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-ghost-dark:hover{background:var(--navy);color:var(--cream)}
@media (min-width:921px){
  .about{grid-template-columns:.9fr 1.1fr;align-items:start}
  .about-side{position:sticky;top:96px}
  .about-photo{aspect-ratio:1/1.08}
  .principles{grid-template-columns:1fr 1fr}
}
@media (max-width:920px){.about-side{max-width:520px;width:100%;margin:0 auto}}
.faq-cta{margin-top:26px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px 22px;display:flex;flex-direction:column;gap:8px;max-width:420px}
.faq-cta b{font-family:var(--serif);font-weight:400;font-size:22px;color:var(--navy)}
.faq-cta span{font-size:15px;color:var(--muted);margin-bottom:6px}
@media (min-width:861px){#preguntas .faq-grid>.head{position:sticky;top:110px}}
@media (hover:hover) and (pointer:fine){
  .step,.q,.pr,.card{transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease}
  .step:hover,.q:hover,.pr:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(15,42,68,.10);border-color:#D9CBB2}
  .card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(0,0,0,.28);border-color:rgba(205,170,116,.6)}
  .card .photo{transition:transform .6s ease}
  .card:hover .photo{transform:scale(1.04)}
  .menu a.active{color:#fff;box-shadow:inset 0 -2px 0 var(--gold)}
}
.disclose{background:#FBF6EC;border:1px solid #E6D4B4;border-radius:18px;padding:20px 22px;font-size:15px;color:#59482B}
.disclose b{color:var(--navy)}
@media (max-width:920px){.about{grid-template-columns:1fr}.about-photo{aspect-ratio:4/5;max-width:520px;width:100%;margin:0 auto}}
@media (max-width:480px){.principles{grid-template-columns:1fr}}

/* checklist */
.check{background:var(--sand)}
.qs{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.q{background:var(--paper);border-radius:18px;padding:26px 22px;border:1px solid var(--line)}
.q .n{font-family:var(--serif);font-size:46px;color:var(--gold-dark);line-height:1}
.q h3{font-size:21px;margin:14px 0 8px}
.q p{font-size:14.5px;color:var(--muted)}
@media (max-width:1060px){.qs{grid-template-columns:repeat(3,1fr)}}
@media (max-width:700px){.qs{grid-template-columns:1fr 1fr}}
@media (max-width:440px){.qs{grid-template-columns:1fr}.q{display:grid;grid-template-columns:auto 1fr;column-gap:18px;align-items:start}.q .n{grid-row:span 2;font-size:40px}.q h3{margin:2px 0 4px}}

/* faq */
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(30px,5vw,70px);align-items:start}
details{background:var(--paper);border:1px solid var(--line);border-radius:16px;margin-bottom:12px;transition:border-color .2s}
details[open]{border-color:var(--gold)}
summary{cursor:pointer;list-style:none;padding:20px 22px;font-weight:600;font-size:16.5px;display:flex;justify-content:space-between;align-items:center;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"";flex:none;width:12px;height:12px;border-right:2px solid var(--gold-dark);border-bottom:2px solid var(--gold-dark);transform:rotate(45deg) translateY(-3px);transition:transform .2s}
details[open] summary::after{transform:rotate(-135deg) translateY(-2px)}
details .a{padding:0 22px 20px;color:var(--muted);font-size:15.5px}
@media (max-width:860px){.faq-grid{grid-template-columns:1fr}}

/* form */
.form-sec{background:radial-gradient(900px 500px at 85% 0%,#21476e 0%,var(--navy) 60%);color:var(--cream)}
.form-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(32px,5vw,72px);align-items:start}
.form-grid h2{font-size:clamp(34px,4.8vw,54px);margin:16px 0 18px}
.form-grid .intro p{color:var(--muted-light);margin-bottom:14px}
.contact-list{margin-top:28px;display:grid;gap:14px}
.contact{display:flex;gap:14px;align-items:center;padding:16px 18px;border:1px solid rgba(201,210,220,.2);border-radius:16px;text-decoration:none;color:var(--cream)}
.contact:hover{border-color:var(--gold)}
.contact svg{flex:none;width:26px;height:26px}
.contact small{display:block;color:var(--muted-light);font-size:13px}
.contact span{overflow-wrap:anywhere}
.contact div{min-width:0}
@media (max-width:480px){.contact span{font-size:15px}}
@media (max-width:360px){.contact span{font-size:13.5px}.contact{padding:14px;gap:10px}.contact svg{display:none}}
form{background:var(--cream);color:var(--navy);border-radius:26px;padding:clamp(24px,4vw,36px);display:grid;gap:18px;box-shadow:var(--shadow)}
form h3{font-size:28px}
label{display:block;font-weight:600;font-size:14.5px;margin-bottom:7px}
input[type=text],select,textarea{width:100%;font:inherit;font-size:16px;padding:14px 15px;border:1.5px solid #D2C9BA;border-radius:13px;background:#fff;color:var(--navy);-webkit-appearance:none;appearance:none}
select{background-image:linear-gradient(45deg,transparent 50%,var(--gold-dark) 50%),linear-gradient(135deg,var(--gold-dark) 50%,transparent 50%);background-position:calc(100% - 22px) 52%,calc(100% - 16px) 52%;background-size:6px 6px;background-repeat:no-repeat;padding-right:44px}
input:focus,select:focus,textarea:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 4px rgba(184,146,90,.2)}
textarea{min-height:120px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.chk{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--muted);font-weight:400}
.chk input{margin-top:3px;width:20px;height:20px;flex:none;accent-color:var(--navy)}
.err{color:var(--red);font-size:14px;min-height:1em}
.result{display:none;background:#fff;border:1.5px solid var(--gold);border-radius:16px;padding:18px;font-size:15px}
.result.show{display:block}
.result pre{white-space:pre-wrap;font-family:var(--sans);font-size:14px;background:var(--cream);padding:14px;border-radius:10px;margin:12px 0;max-height:240px;overflow:auto}
form .btn{width:100%}
@media (max-width:920px){.form-grid{grid-template-columns:1fr}}
@media (max-width:560px){.row2{grid-template-columns:1fr}}

/* footer */
footer{background:var(--navy-3);color:#AEBBC9;padding:64px 0 36px;font-size:15px}
.foot{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:32px;margin-bottom:36px}
.foot h4{font-family:var(--serif);font-weight:400;font-size:24px;color:#fff;margin:0 0 10px}
.foot b{color:#E6EBF0;font-weight:600;display:block;margin-bottom:8px;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
.foot a{color:#DCE3EA;text-decoration:none;word-break:break-word}
.foot a:hover{color:#fff;text-decoration:underline}
.legal details{background:transparent;border:1px solid rgba(201,210,220,.18);color:#C9D2DC}
.legal details[open]{border-color:rgba(184,146,90,.6)}
.legal summary{color:#E6EBF0;font-size:15px}
.legal summary::after{border-color:var(--gold)}
.legal .a{color:#AEBBC9;font-size:14px}
.legal .a p{margin-bottom:10px}
.ph{background:rgba(184,146,90,.22);color:#EBD6B1;padding:0 5px;border-radius:4px}
.base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;margin-top:28px;font-size:13px;color:#8496A8}
@media (max-width:820px){.foot{grid-template-columns:1fr}}


/* progress + header autohide */
.progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),var(--coral));z-index:60;transition:width .1s linear}
.site-header{transition:background .3s ease,box-shadow .3s ease,transform .35s ease}
.site-header.hide{transform:translateY(-100%)}
/* lazy photos */
.photo[data-bg]{background-image:none}
.photo.loaded{animation:fadein .6s ease}
@keyframes fadein{from{opacity:.4}to{opacity:1}}
/* glossary terms */
.term{font:inherit;color:inherit;background:none;border:0;padding:0;border-bottom:1.5px dotted var(--gold);cursor:help;position:relative;display:inline}
.on-dark .term{border-bottom-color:var(--gold-2)}
.tip{position:absolute;z-index:70;max-width:300px;background:var(--navy-3);color:var(--cream);font:400 14px/1.5 var(--sans);padding:14px 16px;border-radius:12px;box-shadow:0 18px 40px -16px rgba(0,0,0,.55);border:1px solid rgba(184,146,90,.4);opacity:0;transform:translateY(6px);transition:opacity .18s ease,transform .18s ease;pointer-events:none}
.tip.show{opacity:1;transform:none}
.tip b{display:block;color:var(--gold-2);font-family:var(--serif);font-weight:400;font-size:18px;margin-bottom:4px}
/* report sample */
.report-sec{background:var(--paper)}
.report-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(32px,5vw,72px);align-items:center}
.report{background:var(--cream);border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}
.report-top{background:var(--navy);color:var(--cream);padding:22px 26px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.report-top strong{font-family:var(--serif);font-weight:400;font-size:24px}
.report-top span{font-size:12px;letter-spacing:.16em;color:var(--gold-2);font-weight:600}
.report-body{padding:24px 26px;display:grid;gap:16px}
.rrow{display:grid;grid-template-columns:34px 1fr;gap:14px;align-items:start}
.ricon{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;font-weight:700;font-size:16px}
.ok .ricon{background:#E3EFE6;color:#2E6B43}
.warn .ricon{background:#FBEEDA;color:#9A6416}
.no .ricon{background:#F8E1DE;color:#A63A31}
.rrow h4{margin:0 0 4px;font-size:15.5px}
.rrow p{font-size:14.5px;color:var(--muted)}
.verdict{background:var(--navy);color:var(--cream);border-radius:16px;padding:18px 20px;font-size:15px}
.verdict b{color:var(--gold-2);display:block;font-size:12px;letter-spacing:.16em;margin-bottom:6px}
.sample-note{font-size:13px;color:var(--muted);text-align:center;padding:0 26px 22px}
.bullets{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:14px}
.bullets li{display:flex;gap:12px;color:var(--muted)}
.bullets li::before{content:"";flex:none;width:10px;height:10px;border-radius:50%;background:var(--gold);margin-top:9px}
@media (max-width:920px){.report-grid{grid-template-columns:1fr}}
/* quiz */
.quiz-sec{background:var(--sand)}
.quiz-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(32px,5vw,72px);align-items:start}
.quiz{background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:clamp(22px,4vw,36px);box-shadow:var(--shadow);min-height:380px;display:flex;flex-direction:column}
.qbar{height:6px;background:var(--line);border-radius:6px;overflow:hidden;margin-bottom:22px}
.qbar i{display:block;height:100%;width:0;background:var(--gold);border-radius:6px;transition:width .35s ease}
.qcount{font-size:13px;font-weight:600;letter-spacing:.14em;color:var(--gold-dark);margin-bottom:10px}
.qtitle{font-family:var(--serif);font-size:clamp(24px,3vw,32px);line-height:1.15;margin-bottom:22px}
.qopts{display:grid;gap:12px}
.qopt{width:100%;text-align:left;font:500 16px/1.4 var(--sans);color:var(--navy);background:var(--cream);border:1.5px solid var(--line);border-radius:14px;padding:16px 18px;cursor:pointer;transition:border-color .15s,background .15s,transform .15s}
.qopt:hover{border-color:var(--gold);background:#fff;transform:translateY(-1px)}
.qback{margin-top:auto;padding-top:18px;background:none;border:0;color:var(--muted);font:500 14px var(--sans);cursor:pointer;align-self:flex-start;min-height:44px}
.qres-level{display:inline-block;font-size:12.5px;font-weight:600;letter-spacing:.16em;padding:7px 12px;border-radius:8px;margin-bottom:14px}
.lvl-alto{background:#F8E1DE;color:#A63A31}.lvl-medio{background:#FBEEDA;color:#9A6416}.lvl-bajo{background:#E3EFE6;color:#2E6B43}
.qres h3{font-size:clamp(26px,3.2vw,34px);margin-bottom:12px}
.qres p{color:var(--muted);margin-bottom:12px}
.qres ul{margin:0 0 18px;padding-left:20px;color:var(--muted)}
.qres .cta{margin-top:8px}
.qdisclaimer{font-size:13px;color:var(--muted);margin-top:14px}
@media (max-width:920px){.quiz-wrap{grid-template-columns:1fr}}
/* call card */
.callcard{margin-top:14px;display:flex;gap:14px;align-items:center;padding:18px;border-radius:16px;background:rgba(184,146,90,.14);border:1px solid rgba(184,146,90,.5);color:var(--cream);text-decoration:none}
.callcard:hover{background:rgba(184,146,90,.22)}
.callcard svg{flex:none;width:30px;height:30px}
.callcard b{display:block;font-family:var(--serif);font-weight:400;font-size:20px}
.callcard small{color:var(--muted-light);font-size:14px}
/* WhatsApp float + mobile bar */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:45;width:60px;height:60px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 14px 30px -10px rgba(0,0,0,.45);transform:scale(.6);opacity:0;pointer-events:none;transition:transform .3s ease,opacity .3s ease}
.wa-float.show{transform:none;opacity:1;pointer-events:auto}
.wa-float svg{width:32px;height:32px}
.wa-float span{position:absolute;right:72px;white-space:nowrap;background:var(--navy);color:var(--cream);font:600 14px var(--sans);padding:10px 14px;border-radius:10px;opacity:0;transform:translateX(6px);transition:.2s;pointer-events:none}
.wa-float:hover span{opacity:1;transform:none}
.mbar{display:none}
@media (max-width:920px){
  .wa-float{display:none}
  .mbar{display:grid;grid-template-columns:auto 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:45;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(15,42,68,.97);backdrop-filter:blur(8px);box-shadow:0 -10px 30px -12px rgba(0,0,0,.5);transform:translateY(110%);transition:transform .3s ease}
  .mbar.show{transform:none}
  .mbar a{min-height:50px}
  .mbar .wa{background:#25D366;color:#0B2E18;padding:0 18px}
  .mbar .wa svg{width:22px;height:22px}
  footer{padding-bottom:110px}
}

/* reveal */
.rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.rv{opacity:1;transform:none;transition:none}.btn{transition:none}}
.no-js .rv{opacity:1;transform:none}
/* ===== Páginas por tipo de seguro ===== */
.sub .site-header{background:rgba(15,42,68,.97)}
.sub-hero{background:radial-gradient(1000px 520px at 12% 0%,#21476e 0%,var(--navy) 60%);color:var(--cream);padding:128px 0 72px}
.sub-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(30px,5vw,64px);align-items:center}
.crumbs{display:flex;gap:10px;align-items:center;font-size:14px;color:var(--muted-light);margin-bottom:22px}
.crumbs a{color:var(--gold-2);text-decoration:none}.crumbs a:hover{text-decoration:underline}
.pill-red{display:inline-block;background:var(--red);color:var(--cream);font-weight:600;font-size:12.5px;letter-spacing:.16em;padding:8px 14px;border-radius:8px}
.sub-hero h1{font-size:clamp(36px,5vw,62px);margin:20px 0 20px}
.sub-hero h1 em{font-style:italic;color:var(--coral)}
.sub-hero .lead{font-size:clamp(16.5px,1.5vw,19px);color:#CFD8E2;max-width:600px;margin-bottom:28px}
.sub-hero .mini{margin-top:16px;font-size:14px;color:var(--muted-light)}
.sub-photo{aspect-ratio:4/4.4;border-radius:26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.6)}
.sub-sec{padding:clamp(64px,8vw,104px) 0}
.sub-sec.alt{background:var(--paper)}
.defs{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.def{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:26px 24px}
.def h3{font-size:26px;color:var(--navy);margin-bottom:10px}
.def p{color:var(--muted);font-size:15.5px}
.cover-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,64px);align-items:start}
.cover-grid h2{font-size:clamp(28px,3.4vw,40px);margin:14px 0 24px}
.eyebrow.red{color:var(--red)}
.cov{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.cov li{display:grid;grid-template-columns:34px 1fr;gap:14px;align-items:start;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:16px 18px}
.cov .ic{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;font-weight:700}
.cov li.yes .ic{background:#E3F1E6;color:#2E7D46}
.cov li.no .ic{background:#FBE3E0;color:var(--red)}
.cov b{display:block;color:var(--navy);font-size:16px;margin-bottom:3px}
.cov p{color:var(--muted);font-size:14.8px;margin:0}
.note{margin-top:26px;font-size:14px;color:var(--muted);font-style:italic}
.traps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.trap{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:28px 26px;display:flex;flex-direction:column;gap:12px}
.trap .tag{align-self:flex-start;font-size:11.5px;padding:6px 12px}
.trap h3{font-size:24px;color:var(--navy)}
.trap p{color:var(--muted);font-size:15.5px;margin:0}
.trap .ex{background:#FBF6EC;border:1px solid #E6D4B4;border-radius:12px;padding:12px 14px;color:#59482B;font-size:14.5px}
.sub-cta{padding:clamp(64px,8vw,104px) 0}
.sub-cta-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(30px,5vw,64px);align-items:center}
.sub-cta h2{font-size:clamp(30px,4vw,48px);margin:14px 0 16px}
.sub-cta p{color:var(--muted-light);margin-bottom:24px;max-width:600px}
.zona{background:var(--navy-2);border:1px solid rgba(184,146,90,.35);border-radius:22px;padding:26px 24px}
.zona h3{font-size:24px;color:var(--cream);margin-bottom:10px}
.zona p{color:var(--muted-light);font-size:15px;margin-bottom:12px}
.zona .disc{font-size:13.5px;border-top:1px solid rgba(201,210,220,.18);padding-top:12px;margin:0}
.rels{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.rel{display:flex;flex-direction:column;gap:6px;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px;text-decoration:none;color:inherit;transition:transform .25s,box-shadow .25s,border-color .25s}
.rel b{font-family:var(--serif);font-weight:400;font-size:21px;color:var(--navy)}
.rel span{font-size:14.5px;color:var(--muted)}
.rel:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,42,68,.1);border-color:#D9CBB2}
.foot-links{display:flex;flex-direction:column;gap:6px}
.foot-legal{font-size:13.5px;color:#8FA1B3;border-top:1px solid rgba(201,210,220,.14);padding-top:18px}
.foot-legal a{color:#C9D2DC}
.seg-more{display:inline-block;margin-top:12px;font-weight:600;font-size:14.5px;color:var(--gold-2);text-decoration:none}
.seg-more:hover{text-decoration:underline}
@media (max-width:980px){.traps,.defs{grid-template-columns:1fr}.rels{grid-template-columns:1fr 1fr}}
@media (max-width:860px){.sub-hero-grid,.cover-grid,.sub-cta-grid{grid-template-columns:1fr}.sub-photo{aspect-ratio:16/10;order:-1}.sub-hero{padding-top:104px}}
@media (max-width:520px){.rels{grid-template-columns:1fr}.sub-hero .cta .btn{width:100%}}
@media (hover:hover) and (pointer:fine){.def,.trap,.cov li{transition:transform .25s,box-shadow .25s}.def:hover,.trap:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(15,42,68,.10)}}
/* ===== Piezas interactivas ===== */
.h2s{font-size:clamp(28px,3.6vw,44px);margin:14px 0 14px}
.muted{color:var(--muted)}
.game{background:linear-gradient(180deg,var(--cream),#fff)}
.game-top{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:32px;flex-wrap:wrap}
.score{display:flex;align-items:baseline;gap:10px;background:var(--navy);color:var(--cream);border-radius:18px;padding:14px 22px;position:sticky;top:84px}
.score-n{font-family:var(--serif);font-size:44px;line-height:1;color:var(--gold-2)}
.score-t{font-size:14px;color:var(--muted-light)}.score-t b{color:var(--cream)}
.qz-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.qz-card{background:var(--paper);border:1.5px solid var(--line);border-radius:20px;padding:20px;display:flex;flex-direction:column;gap:14px;transition:border-color .25s,transform .25s,box-shadow .25s}
.qz-card:not(.answered):hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(15,42,68,.10)}
.qz-card.is-good{border-color:#7DBB8E;background:#F5FBF6}
.qz-card.is-bad{border-color:#E2A39C;background:#FDF6F5}
.qz-n{font-size:12px;font-weight:600;letter-spacing:.14em;color:var(--gold-dark)}
.qz-q{font-weight:600;color:var(--navy);font-size:16px;line-height:1.45;margin:0;flex:1}
.qz-opts{display:grid;grid-template-columns:1fr 1fr 1fr;gap:6px}
.qz-opts button{font:600 14px/1 var(--sans);padding:11px 4px;border-radius:10px;border:1.5px solid var(--line);background:var(--cream);color:var(--navy);cursor:pointer;transition:background .2s,border-color .2s,transform .1s}
.qz-opts button:hover{border-color:var(--gold)}
.qz-opts button:active{transform:scale(.96)}
.answered .qz-opts button{cursor:default;opacity:.45}
.answered .qz-opts button.good{background:#2E7D46;border-color:#2E7D46;color:#fff;opacity:1}
.answered .qz-opts button.bad{background:var(--red);border-color:var(--red);color:#fff;opacity:1}
.qz-res{font-size:14.5px;color:var(--muted);line-height:1.5;animation:qzIn .35s ease}
.qz-res b{color:var(--navy)} .is-bad .qz-res b{color:var(--red)} .is-good .qz-res b{color:#2E7D46}
.qz-ans{font-weight:600;color:var(--navy)}
@keyframes qzIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.qz-final{margin-top:26px;background:var(--navy);color:var(--cream);border-radius:22px;padding:24px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.qz-final p{margin:0;font-size:17px;max-width:720px}
.sort{background:var(--cream);border:1px solid var(--line);border-radius:24px;padding:26px}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;gap:10px;font:600 15px/1 var(--sans);padding:13px 18px;border-radius:999px;border:1.5px dashed #C9BBA2;background:var(--paper);color:var(--navy);cursor:pointer;transition:all .25s}
.chip:hover{border-color:var(--gold);transform:translateY(-2px)}
.chip-r{font-size:12px;letter-spacing:.08em;text-transform:uppercase;display:none}
.chip.shown{border-style:solid}.chip.shown .chip-r{display:inline}
.chip.c0{background:#E8EEF5;border-color:#9DB1C7}.chip.c0 .chip-r{color:var(--navy-2)}
.chip.c1{background:#FBF2E3;border-color:#D9B57B}.chip.c1 .chip-r{color:var(--gold-dark)}
.sort-why{margin-top:18px;min-height:52px;background:var(--paper);border-radius:14px;padding:14px 16px;color:var(--muted);font-size:15.5px}
.sort-why b{color:var(--navy)}
.sort-count{display:flex;gap:22px;margin-top:14px;font-size:14px;color:var(--muted)}
.dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px}.dot.c0{background:#9DB1C7}.dot.c1{background:#D9B57B}
details.more{margin-top:18px}
details.more .defs{padding:0 18px 18px}
.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,5vw,64px);align-items:center}
.calc{display:grid;gap:20px;margin-top:26px}
.calc label{display:grid;grid-template-columns:1fr auto;gap:10px;align-items:center;font-weight:600;color:var(--navy);font-size:15.5px}
.calc output{font-family:var(--serif);font-size:22px;color:var(--gold-dark)}
.calc input[type=range]{grid-column:1/-1;width:100%;accent-color:var(--gold);height:28px;cursor:pointer}
.calc .tog{display:flex;gap:10px;font-weight:500;color:var(--muted);cursor:pointer}
.calc .tog input{width:20px;height:20px;accent-color:var(--navy)}
.calc-out{background:var(--navy);color:var(--cream);border-radius:26px;padding:32px 30px;display:flex;flex-direction:column;gap:10px;box-shadow:0 30px 60px -30px rgba(15,42,68,.6)}
.co-l{font-size:14px;color:var(--muted-light);letter-spacing:.04em}
.co-n{font-family:var(--serif);font-size:clamp(46px,6vw,68px);line-height:1;color:var(--gold-2)}
.co-bar{height:12px;border-radius:99px;background:rgba(240,139,127,.35);overflow:hidden;margin:6px 0}
.co-bar i{display:block;height:100%;background:var(--gold-2);border-radius:99px;transition:width .35s ease}
.co-s{font-weight:600;font-size:17px}.co-s.bad{color:var(--coral)}.co-s.good{color:#8FD3A1}
.co-m{color:#DCE3EA;font-size:15px;margin:4px 0 0}
.co-d{font-size:12.5px;color:#8FA1B3;margin:8px 0 0;border-top:1px solid rgba(201,210,220,.16);padding-top:12px}
.traps.two{grid-template-columns:1fr 1fr}
.check-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(30px,5vw,64px);align-items:start}
.ck-meter{margin-top:22px}
.ck-bar{height:10px;border-radius:99px;background:#E2D8C6;overflow:hidden}.ck-bar i{display:block;height:100%;width:0;background:var(--gold);transition:width .3s}
.ck-meter p{margin-top:10px;color:var(--muted);font-size:15px}.ck-meter a{color:var(--gold-dark);font-weight:600}
.ck-list{display:grid;gap:12px}
.ck{display:grid;grid-template-columns:30px 1fr;gap:14px;align-items:start;background:var(--paper);border:1.5px solid var(--line);border-radius:18px;padding:18px 20px;cursor:pointer;transition:border-color .2s,background .2s}
.ck input{position:absolute;opacity:0;pointer-events:none}
.ck-box{width:28px;height:28px;border-radius:8px;border:2px solid #C9BBA2;display:grid;place-items:center;transition:all .2s}
.ck input:checked+.ck-box{background:var(--navy);border-color:var(--navy)}
.ck input:checked+.ck-box::after{content:"";width:8px;height:14px;border:solid var(--gold-2);border-width:0 3px 3px 0;transform:rotate(45deg) translate(-1px,-2px)}
.ck input:focus-visible+.ck-box{outline:3px solid var(--gold);outline-offset:2px}
.ck:has(input:checked){border-color:var(--gold);background:#FFFCF6}
.ck-t b{display:block;color:var(--navy);font-size:16px;margin-bottom:3px}.ck-t span{color:var(--muted);font-size:14.8px}
details.open-d{background:var(--cream)}
details.open-d summary{font-size:18px;color:var(--navy)}
details.open-d .cov{padding:0 16px 16px}
details.open-d .cov li{background:var(--paper)}
@media (max-width:1100px){.qz-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:860px){.calc-grid,.check-grid,.traps.two{grid-template-columns:1fr}.score{top:auto;position:static}}
@media (max-width:560px){.qz-grid{grid-template-columns:1fr}.sort{padding:18px}.chip{padding:12px 14px;font-size:14.5px}.qz-final{padding:20px}}
.qz-final[hidden]{display:none}
.ck-t span{font-weight:400}
.calc label{font-weight:600}.calc .tog{font-weight:500}
/* zona en portada */
.zona-home{background:var(--sand)}
.zona-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(30px,5vw,64px);align-items:start}
.zona-home h2{font-size:clamp(30px,4vw,46px);margin:14px 0 16px}
.zona-home p{color:var(--muted)}
.towns{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.towns span{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:14px;font-weight:600;color:var(--navy)}
.guides{background:var(--navy);color:var(--cream);border-radius:24px;padding:26px 24px;display:flex;flex-direction:column}
.guides h3{font-size:26px;margin-bottom:6px}
.guides p{color:var(--muted-light);font-size:15px;margin-bottom:12px}
.guides a{display:flex;justify-content:space-between;padding:13px 2px;border-top:1px solid rgba(201,210,220,.14);color:var(--cream);text-decoration:none;font-weight:600;font-size:15.5px}
.guides a span{color:var(--gold-2);transition:transform .2s}
.guides a:hover span{transform:translateX(4px)}
@media (max-width:860px){.zona-grid{grid-template-columns:1fr}}
/* menú desplegable de seguros */
.dd{position:relative}
.dd-t::after{content:"";display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);margin-left:8px;opacity:.8}
.dd-p{position:absolute;top:calc(100% + 14px);left:-22px;min-width:250px;background:#fff;border-radius:18px;padding:10px;box-shadow:0 24px 50px -12px rgba(10,30,49,.45);display:grid;gap:2px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s,transform .2s,visibility .2s;z-index:60}
.dd-p::before{content:"";position:absolute;left:0;right:0;top:-16px;height:16px}
.dd:hover .dd-p,.dd:focus-within .dd-p{opacity:1;visibility:visible;transform:none}
.dd-h{font-size:11.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);padding:8px 12px 6px}
.menu .dd-p a{color:var(--navy);font-weight:600;font-size:15px;padding:10px 12px;border-radius:10px}
.menu .dd-p a:hover,.menu .dd-p a[aria-current]{background:var(--cream);color:var(--navy)}
@media (max-width:920px){
  .dd-t::after{display:none}
  .dd-p{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:transparent;min-width:0;padding:0 0 8px 14px;grid-template-columns:1fr 1fr;gap:0 12px;border-bottom:1px solid rgba(201,210,220,.14)}
  .dd-p::before,.dd-h{display:none}
  .menu .dd-p a{color:#C9D2DC;font-size:15.5px;font-weight:500;padding:10px 2px;border:0;border-radius:0}
  .menu .dd-p a:hover,.menu .dd-p a[aria-current]{background:transparent;color:#fff}
  .menu .dd-t{display:block}
}
/* accesos rápidos en la portada */
.hero-guides{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:22px}
.hero-guides span{font-size:13.5px;color:#AFC0D1;margin-right:4px;width:100%}
.hero-guides a{font-size:14px;font-weight:600;color:var(--cream);text-decoration:none;padding:8px 14px;border-radius:999px;border:1px solid rgba(205,170,116,.45);background:rgba(255,255,255,.04);transition:background .2s,border-color .2s}
.hero-guides a:hover{background:rgba(205,170,116,.18);border-color:var(--gold-2)}
/* tarjetas de seguros clicables enteras */
.card{position:relative}
.card .seg-more::after{content:"";position:absolute;inset:0;z-index:1}
.card .term{position:relative;z-index:2}
.card:has(.seg-more){cursor:pointer}
/* ===== artículos ===== */
.art-hero{background:radial-gradient(1000px 520px at 12% 0%,#21476e 0%,var(--navy) 60%);color:var(--cream);padding:128px 0 64px}
.art-wrap{max-width:820px}
.art-hero h1{font-size:clamp(34px,4.8vw,56px);margin:20px 0 20px}
.art-hero .lead{font-size:clamp(17px,1.6vw,20px);color:#CFD8E2}
.art-meta{margin-top:22px;font-size:14.5px;color:var(--muted-light)}.art-meta a{color:var(--gold-2)}
.art-body{padding-top:56px;padding-bottom:40px;font-size:18px;line-height:1.75;color:#2B3D50}
.art-body h2{font-size:clamp(28px,3.2vw,38px);color:var(--navy);margin:48px 0 16px}
.art-body p{margin:0 0 18px}
.art-body strong{color:var(--navy)}
.art-list{margin:0 0 22px;padding-left:22px;display:grid;gap:12px}
.art-box{background:#FBF6EC;border:1px solid #E6D4B4;border-radius:20px;padding:22px 24px;margin:28px 0}
.art-box b{display:block;font-family:var(--serif);font-weight:400;font-size:24px;color:var(--navy);margin-bottom:8px}
.art-box p{margin:0 0 8px;color:#59482B}
.who{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}
.who-c{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:22px}
.who-c .tag{font-size:11.5px;padding:6px 12px}
.who-c h3{font-size:24px;color:var(--navy);margin:12px 0 8px}
.who-c p{font-size:16px;line-height:1.6;margin:0}
.art-cta{margin:44px 0 20px;background:var(--navy);color:var(--cream);border-radius:22px;padding:24px 26px;display:flex;flex-direction:column;gap:16px}
.art-cta b{display:block;font-family:var(--serif);font-weight:400;font-size:26px}
.art-cta span{color:var(--muted-light);font-size:16px}
.art-cta .btn-ghost-dark{border-color:var(--cream);color:var(--cream)}
.art-guide{display:grid;gap:4px;margin:0 0 40px;padding:22px 24px;border-radius:22px;border:2px dashed var(--gold);text-decoration:none;background:#fff}
.art-guide span{font-size:12px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--gold-dark)}
.art-guide b{font-family:var(--serif);font-weight:400;font-size:26px;color:var(--navy)}
.art-guide small{color:var(--muted);font-size:15px}
.art-guide:hover{background:#FFFCF6}
.art-faq details summary{font-size:17px}
.acards{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.acard{background:var(--paper);border:1px solid var(--line);border-radius:24px;overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.acard:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(15,42,68,.12)}
.acard .photo{aspect-ratio:16/8}
.acard-b{padding:24px 26px;display:flex;flex-direction:column;gap:10px}
.acat{font-size:12.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark)}
.acard h2{font-size:28px;color:var(--navy)}
.acard p{color:var(--muted);font-size:15.5px;margin:0}
.acard .seg-more{color:var(--gold-dark)}
@media (max-width:760px){.who,.acards{grid-template-columns:1fr}.art-body{font-size:17px}}
/* ===== test qué seguros necesito ===== */
.need-wrap{max-width:900px}
.need-card{background:var(--paper);border:1px solid var(--line);border-radius:28px;padding:34px 34px 26px;box-shadow:0 20px 50px -30px rgba(15,42,68,.35)}
.need-bar{height:8px;border-radius:99px;background:#E8E0D2;overflow:hidden;margin-bottom:26px}.need-bar i{display:block;height:100%;width:0;background:var(--gold);transition:width .3s}
.nq-n{font-size:12.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark)}
.nq h2{font-size:clamp(28px,3.4vw,40px);color:var(--navy);margin:10px 0 22px}
.nq-o{display:grid;gap:12px}
.nq-o button{text-align:left;font:600 17px/1.3 var(--sans);color:var(--navy);background:var(--cream);border:1.5px solid var(--line);border-radius:16px;padding:18px 20px;cursor:pointer;transition:border-color .2s,background .2s,transform .1s}
.nq-o button:hover{border-color:var(--gold)}.nq-o button:active{transform:scale(.99)}
.nq-o button.sel{background:var(--navy);border-color:var(--navy);color:var(--cream)}
.need-back{margin-top:18px;background:none;border:0;color:var(--muted);font:600 15px var(--sans);cursor:pointer;padding:6px 0}
.need-head h2{font-size:clamp(30px,3.8vw,44px);color:var(--navy);margin:12px 0 10px}.need-head p{color:var(--muted)}
.need-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.need-col{border-radius:22px;padding:20px 18px;border:1.5px solid}
.need-col h3{font-size:22px;margin-bottom:12px}
.need-col.yes{background:#F3FAF5;border-color:#9FCDAE}.need-col.yes h3{color:#2E7D46}
.need-col.may{background:#FBF6EC;border-color:#E6D4B4}.need-col.may h3{color:var(--gold-dark)}
.need-col.no{background:#F4F6F8;border-color:#D3DAE2}.need-col.no h3{color:var(--navy-2)}
.need-i{background:#fff;border-radius:14px;padding:14px 14px;margin-bottom:10px}
.need-i b{display:block;color:var(--navy);font-size:15.5px;margin-bottom:4px}.need-i p{font-size:14.2px;color:var(--muted);margin:0 0 6px;line-height:1.5}
.need-i a{font-size:14px;font-weight:600;color:var(--gold-dark)}
.need-empty{color:var(--muted);font-size:14.5px;font-style:italic}
.need-again{margin-top:18px}
@media (max-width:900px){.need-cols{grid-template-columns:1fr}.need-card{padding:24px 18px}}
/* ===== glosario ===== */
.gl-search input{width:100%;font:500 17px var(--sans);padding:16px 18px;border-radius:16px;border:1.5px solid var(--line);background:#fff;color:var(--navy)}
.gl-search input:focus{outline:3px solid rgba(184,146,90,.35);border-color:var(--gold)}
.gl-nav{display:flex;flex-wrap:wrap;gap:6px;margin:18px 0 10px}
.gl-nav a{width:38px;height:38px;display:grid;place-items:center;border-radius:10px;background:#fff;border:1px solid var(--line);color:var(--navy);font-weight:600;text-decoration:none}
.gl-nav a:hover{border-color:var(--gold)}
.gl-l{font-size:40px;color:var(--gold-dark);margin:34px 0 8px;scroll-margin-top:100px}
.gl-t{padding:16px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px}
.gl-t h3{font-size:24px;color:var(--navy);margin-bottom:6px}.gl-t p{color:#2B3D50;margin:0;font-size:16.5px}
.gl-t a{color:var(--gold-dark);font-weight:600;white-space:nowrap}
.gl-t:target{background:#FFFCF6}
.need-hero .lead strong{color:var(--cream)}
.hero-guides a.hg-test{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.hero-guides a.hg-test:hover{background:var(--gold-2)}
/* pie de páginas interiores */
.foot.foot-sub{grid-template-columns:1.3fr 1.1fr 1.2fr 1fr;gap:40px}
.foot-links{display:flex;flex-direction:column;gap:9px}
.foot-links.two{display:grid;grid-template-columns:1fr 1fr;gap:9px 24px}
.foot-sub p{max-width:300px}
@media (max-width:980px){.foot.foot-sub{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot.foot-sub{grid-template-columns:1fr;gap:30px}}
.foot.foot-sub{grid-template-columns:1.15fr 1.35fr 1.2fr 1fr}
.foot-sub a{word-break:normal}
.foot-sub .foot-contact a{display:block;margin-bottom:9px;white-space:nowrap}
.foot-sub .foot-contact br{display:none}