/* =========================================================================
   MENSORA INSURANCE — Design System
   Jose Silva | Seguros de Vida · Inversiones · Planificación Financiera
   Paleta tomada de las imágenes de referencia (navy profundo + dorado).
   ========================================================================= */

:root {
  /* Brand colors */
  --navy-900: #061B33;   /* Azul marino profundo */
  --navy-800: #0A2748;   /* Azul oscuro premium */
  --navy-700: #103056;
  --navy-600: #18406e;
  --gold-500: #C89B3C;   /* Dorado */
  --gold-400: #E2C16A;   /* Dorado claro */
  --gold-300: #EED9A0;
  --white:    #FFFFFF;
  --cream:    #F3EFE6;   /* Crema premium (panel claro) */
  --gray-50:  #F5F7FA;   /* Gris claro */
  --gray-100: #EDF1F6;
  --gray-200: #DCE3EC;
  --gray-300: #C2CCD8;
  --text:     #4A5568;   /* Gris texto */
  --text-dark:#1f2a3a;
  --ink:      #0d1b2e;

  /* Semantic */
  --success: #2f9e6b;
  --warning: #d9a441;
  --danger:  #c0573f;
  --info:    #2f6fae;

  /* Typography */
  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-head: 'Montserrat', 'Segoe UI', system-ui, sans-serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;

  /* Layout */
  --maxw: 1180px;
  --radius: 14px;
  --radius-sm: 9px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 10px rgba(6, 27, 51, 0.06);
  --shadow: 0 14px 40px rgba(6, 27, 51, 0.12);
  --shadow-lg: 0 30px 70px rgba(6, 27, 51, 0.22);
  --gold-grad: linear-gradient(135deg, #E2C16A 0%, #C89B3C 55%, #a87f2b 100%);
  --navy-grad: linear-gradient(160deg, #0A2748 0%, #061B33 100%);
  --navy-grad-soft: linear-gradient(160deg, #103056 0%, #0A2748 100%);
  --transition: 220ms cubic-bezier(.4,0,.2,1);
}

/* ----------------------------- Reset ----------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--gold-500); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy-800); }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: 16px; }
h1,h2,h3,h4 { color: var(--navy-900); line-height: 1.18; font-weight: 800; letter-spacing: -0.01em; }

/* ----------------------------- Helpers --------------------------------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 820px; }
.section { padding: 92px 0; }
.section-sm { padding: 60px 0; }
.center { text-align: center; }
.gold-text { color: var(--gold-500); }
.serif { font-family: var(--font-display); }
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-head); font-weight: 700; font-size: .76rem;
  letter-spacing: .18em; text-transform: uppercase; color: var(--gold-500);
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold-500); display: inline-block; }
.eyebrow.center-eyebrow { justify-content: center; }

.section-title {
  font-family: var(--font-head);
  font-size: clamp(1.9rem, 4vw, 2.85rem);
  font-weight: 800;
  margin-bottom: 18px;
}
.section-title.display { font-family: var(--font-display); font-weight: 700; letter-spacing: -0.02em; }
.lead { font-size: 1.16rem; color: var(--text); max-width: 720px; }
.center .lead, .center.lead { margin-left: auto; margin-right: auto; }
.muted { color: var(--text); }
.small-note {
  font-size: .82rem; color: #8794a6; line-height: 1.55;
  border-left: 3px solid var(--gold-300); padding-left: 14px; margin-top: 22px;
  max-width: 760px;
}
.bg-gray { background: var(--gray-50); }
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy-grad); color: #d8e2f0; }
/* Selector de idioma ES/EN */
.lang-toggle { background: transparent; border: 1.5px solid var(--gold-400); color: var(--navy-900); font-family: var(--font-head); font-weight: 700; font-size: .78rem; padding: 6px 11px; border-radius: 8px; cursor: pointer; letter-spacing: .03em; line-height: 1; transition: background var(--transition), color var(--transition); }
.lang-toggle:hover { background: var(--gold-400); color: var(--navy-900); }
.lang-toggle--mobile { width: 100%; padding: 12px; font-size: .95rem; }
@media (prefers-color-scheme: dark) { .site-header .lang-toggle { color: #fff; } }
.bg-navy h1,.bg-navy h2,.bg-navy h3 { color: #fff; }
/* Tarjetas blancas dentro de secciones azul marino: forzar texto oscuro legible (evita heredar el color claro de la sección) */
.bg-navy .card, .bg-navy .card p, .bg-navy .step, .bg-navy .step p, .bg-navy .compare-col, .bg-navy .compare-col li, .bg-navy .panel-box, .bg-navy .tile { color: var(--text); }

/* ----------------------------- Buttons --------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-head); font-weight: 700; font-size: .98rem;
  padding: 15px 30px; border-radius: 50px; cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  line-height: 1; text-align: center; white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; }
.btn-gold { background: var(--gold-grad); color: var(--navy-900); box-shadow: 0 10px 26px rgba(200,155,60,.35); }
.btn-gold:hover { color: var(--navy-900); transform: translateY(-2px); box-shadow: 0 16px 34px rgba(200,155,60,.45); }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-900); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--navy-800); border: 2px solid var(--navy-800); padding: 13px 28px; }
.btn-outline:hover { background: var(--navy-800); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.55); padding: 13px 28px; }
.btn-outline-light:hover { background: #fff; color: var(--navy-900); border-color:#fff; }
.btn-ghost-gold { background: transparent; color: var(--gold-400); border: 2px solid var(--gold-500); padding: 13px 28px; }
.btn-ghost-gold:hover { background: var(--gold-500); color: var(--navy-900); }
.btn-block { width: 100%; }
.btn-lg { padding: 17px 38px; font-size: 1.05rem; }
.btn-sm { padding: 10px 18px; font-size: .85rem; }

/* ----------------------------- Header / Nav ---------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.92); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(6,27,51,.08); }
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 76px; gap: 18px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand .logo-mark { width: 42px; height: 48px; flex: none; }
.brand .logo-img { height: 50px; width: auto; max-width: 220px; display: block; flex: none; }
.brand .logo-img.logo-full { height: 58px; max-width: 240px; }
.site-footer .brand .logo-img { height: 64px; }
/* Dos versiones del logo: a color (fondos claros) y clara (fondos oscuros) */
.brand .logo--light { display: none; }
.site-footer .brand .logo--color { display: none; }
.site-footer .brand .logo--light { display: block; }
/* Nombre del asesor en colores del logo (navy + dorado en claro; blanco + dorado en oscuro) */
.brand .brand-name--logo .n1 { color: var(--navy-900); }
.brand .brand-name--logo .n2 { color: var(--gold-500); }
.brand .brand-sub--gold { color: var(--gold-500); }
.site-footer .brand .brand-name--logo .n1 { color: #ffffff; }
.site-footer .brand .brand-name--logo .n2 { color: var(--gold-400); }
.site-footer .brand .brand-sub--gold { color: var(--gold-400); }

/* === Modo oscuro del navegador/SO: la barra superior se adapta para que el logo y el nombre se vean === */
@media (prefers-color-scheme: dark) {
  .site-header { background: rgba(8,26,49,.94); border-bottom-color: rgba(255,255,255,.10); }
  .site-header .brand .logo--color { display: none; }
  .site-header .brand .logo--light { display: block; }
  .site-header .brand .brand-name--logo .n1 { color: #ffffff; }
  .site-header .brand .brand-name--logo .n2 { color: var(--gold-400); }
  .site-header .brand .brand-sub--gold { color: var(--gold-400); }
  .nav-links > li > a, .drop-toggle { color: #e7eef7; }
  .nav-links > li > a:hover { background: rgba(255,255,255,.08); color: #fff; }
  .nav-links > li > a.active, .drop-toggle.active { color: var(--gold-400); }
  .nav-cta .btn-outline { color: #fff; border-color: rgba(255,255,255,.5); }
  .nav-cta .btn-outline:hover { background: #fff; color: var(--navy-900); }
  .drop-menu { background: var(--navy-800); border-color: rgba(255,255,255,.12); }
  .drop-menu a { color: #e7eef7; }
  .drop-menu a small { color: #9fb1c7; }
  .drop-menu a:hover { background: rgba(255,255,255,.06); color: var(--gold-400); }
  .nav-mobile { background: var(--navy-900); }
  .nav-mobile a { color: #e7eef7; border-bottom-color: rgba(255,255,255,.08); }
  .nav-mobile a.active { color: var(--gold-400); }
  .nav-mobile .m-group-label { color: #8aa0bd; }
}
.brand .brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand .brand-name {
  font-family: var(--font-head); font-weight: 800; font-size: 1.18rem;
  color: var(--navy-900); letter-spacing: .04em;
}
.brand .brand-name b { color: var(--gold-500); font-weight: 800; }
.brand .brand-sub { font-size: .6rem; letter-spacing: .26em; text-transform: uppercase; color: var(--text); margin-top: 4px; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links > li > a {
  font-family: var(--font-head); font-weight: 600; font-size: .92rem;
  color: var(--navy-800); padding: 10px 13px; border-radius: 8px; display: inline-block;
}
.nav-links > li > a:hover { background: var(--gray-50); color: var(--navy-900); }
.nav-links > li > a.active { color: var(--gold-500); }
.nav-cta { display: flex; align-items: center; gap: 10px; }

/* Dropdown */
.has-drop { position: relative; }
.drop-toggle::after { content: "▾"; font-size: .7rem; margin-left: 5px; color: var(--gold-500); }
.drop-menu {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--gray-200); border-radius: 12px;
  box-shadow: var(--shadow); padding: 8px; opacity: 0; visibility: hidden;
  transform: translateY(8px); transition: all var(--transition);
}
.has-drop:hover .drop-menu, .has-drop:focus-within .drop-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.drop-menu a {
  display: block; padding: 10px 14px; border-radius: 8px; color: var(--navy-800);
  font-family: var(--font-head); font-weight: 600; font-size: .88rem;
}
.drop-menu a:hover { background: var(--gray-50); color: var(--gold-500); }
.drop-menu a small { display:block; font-weight:500; font-size:.74rem; color:var(--text); margin-top:2px; }

.menu-toggle { display: none; width: 44px; height: 44px; border-radius: 10px; background: var(--navy-800); position: relative; }
.nav-mobile { display: none; }   /* oculto en escritorio; se muestra solo en móvil (≤900px) */
.menu-toggle span, .menu-toggle span::before, .menu-toggle span::after {
  content: ""; position: absolute; left: 12px; width: 20px; height: 2px; background: #fff; transition: var(--transition);
}
.menu-toggle span { top: 21px; }
.menu-toggle span::before { top: -6px; }
.menu-toggle span::after { top: 6px; }
.menu-open .menu-toggle span { background: transparent; }
.menu-open .menu-toggle span::before { top: 0; transform: rotate(45deg); }
.menu-open .menu-toggle span::after { top: 0; transform: rotate(-45deg); }

/* ----------------------------- Hero ------------------------------------ */
.hero {
  position: relative; background: var(--navy-grad); color: #e7eef7; overflow: hidden;
  padding: 86px 0 96px;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(200,155,60,.18), transparent 60%),
    radial-gradient(700px 500px at 10% 110%, rgba(24,64,110,.5), transparent 60%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero h1 {
  color: #fff; font-family: var(--font-head); font-weight: 800;
  font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.07; letter-spacing: -0.02em;
}
.hero h1 .gold-text { color: var(--gold-400); }
.hero .hero-sub {
  font-family: var(--font-display); font-style: italic; font-size: clamp(1.15rem,2.4vw,1.6rem);
  color: var(--gold-300); margin: 18px 0 18px;
}
.hero p.hero-desc { color: #c3d2e6; font-size: 1.08rem; max-width: 540px; margin-bottom: 30px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { display: flex; gap: 26px; margin-top: 34px; flex-wrap: wrap; }
.hero-trust .ht { display: flex; align-items: center; gap: 10px; font-size: .86rem; color: #b9c8dd; }
.hero-trust .ht svg { width: 22px; height: 22px; color: var(--gold-400); flex:none; }

/* Hero visual card */
.hero-visual { position: relative; }
.hero-portrait {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,.12);
  background: linear-gradient(160deg, #12365f, #0A2748);
}
.hero-portrait img, .hero-portrait svg { width: 100%; height: 100%; display:block; }
.hero-badge {
  position: absolute; bottom: 18px; left: -18px; background: #fff; color: var(--navy-900);
  border-radius: 14px; padding: 14px 18px; box-shadow: var(--shadow); display: flex; align-items: center; gap: 12px;
  max-width: 250px;
}
.hero-badge .hb-ico { width: 40px; height: 40px; border-radius: 10px; background: var(--gold-grad); display:grid; place-items:center; flex:none; }
.hero-badge .hb-ico svg { width: 22px; height: 22px; color: var(--navy-900); }
.hero-badge b { font-family: var(--font-head); display:block; font-size: .92rem; }
.hero-badge small { color: var(--text); font-size: .76rem; }
.hero-badge.top-right { top: 20px; right: -16px; bottom:auto; left:auto; }

/* ----------------------------- Cards ----------------------------------- */
.cards-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; }
.cards-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 26px; }
.card {
  background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius);
  padding: 36px 30px; box-shadow: var(--shadow-sm); transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  position: relative; overflow: hidden;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--gold-300); }
.card .card-ico {
  width: 64px; height: 64px; border-radius: 16px; background: var(--navy-grad);
  display: grid; place-items: center; margin-bottom: 22px;
}
.card .card-ico svg { width: 32px; height: 32px; color: var(--gold-400); }
.card h3 { font-family: var(--font-head); font-size: 1.32rem; margin-bottom: 12px; }
.card p { font-size: .98rem; }
.card .card-link { display:inline-flex; align-items:center; gap:7px; margin-top:18px; font-family:var(--font-head); font-weight:700; font-size:.9rem; color:var(--gold-500); }
.card .card-link svg { width:16px; height:16px; transition: transform var(--transition); }
.card:hover .card-link svg { transform: translateX(4px); }
.card.feature-top::before { content:""; position:absolute; top:0; left:0; right:0; height:4px; background: var(--gold-grad); transform: scaleX(0); transform-origin:left; transition: transform var(--transition); }
.card.feature-top:hover::before { transform: scaleX(1); }

/* Value list */
.benefits { display: grid; gap: 16px; margin-top: 8px; }
.benefit { display: flex; gap: 16px; align-items: flex-start; }
.benefit .bch {
  width: 34px; height: 34px; border-radius: 50%; flex: none; display: grid; place-items: center;
  border: 2px solid var(--gold-500);
}
.benefit .bch svg { width: 16px; height: 16px; color: var(--gold-500); }
.benefit b { color: var(--navy-900); font-family: var(--font-head); }
.benefit span { display:block; }
.on-navy .benefit b { color:#fff; }
.on-navy .benefit { color:#c3d2e6; }

/* Split section (image + text) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split.reverse .split-visual { order: 2; }
.split-visual {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow);
  background: var(--navy-grad-soft); min-height: 380px;
}
.split-visual img, .split-visual svg { width: 100%; height: 100%; object-fit: cover; display:block; }

/* Poster: imagen de marca completa, sin recorte */
.poster { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); background: var(--navy-900); line-height: 0; }
.poster img { width: 100%; height: auto; display: block; }

/* Hero banner (portada con imagen ancha) */
.hero-banner { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid rgba(255,255,255,.12); line-height: 0; }
.hero-banner img { width: 100%; height: auto; display: block; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; margin-top: 30px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* Grid de 4 */
.cards-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

/* Quote band */
.quote-band { position: relative; background: var(--navy-grad); color: #fff; overflow: hidden; }
.quote-band::after { content:""; position:absolute; inset:0; background: radial-gradient(800px 400px at 80% 120%, rgba(200,155,60,.16), transparent 60%); }
.quote-band .container { position: relative; z-index: 2; }
.quote-mark { font-family: var(--font-display); font-size: 5rem; color: var(--gold-500); line-height: .6; height: 46px; }
.quote-text {
  font-family: var(--font-display); font-size: clamp(1.6rem, 3.6vw, 2.6rem); line-height: 1.25;
  color: #fff; max-width: 900px;
}
.quote-text .gold-text { color: var(--gold-400); }
.quote-cite { margin-top: 20px; color: var(--gold-300); font-family: var(--font-head); font-weight: 600; letter-spacing: .04em; }

/* Stat strip */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; }
.stat { text-align: center; padding: 10px; }
.stat .num { font-family: var(--font-head); font-weight: 800; font-size: clamp(1.8rem,3.4vw,2.6rem); color: var(--gold-400); }
.bg-cream .stat .num, .bg-gray .stat .num { color: var(--gold-500); }
.stat .lbl { font-size: .9rem; color: inherit; opacity:.85; }

/* Compare grid (grupal vs individual) */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.compare-col { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); background:#fff; border:1px solid var(--gray-200); }
.compare-col .cc-head { padding: 20px 24px; font-family: var(--font-head); font-weight: 800; font-size: 1.15rem; color:#fff; }
.compare-col.col-a .cc-head { background: var(--navy-grad); }
.compare-col.col-b .cc-head { background: var(--gold-grad); color: var(--navy-900); }
.compare-col ul { padding: 12px 24px 26px; }
.compare-col li { display:flex; gap:12px; align-items:flex-start; padding: 12px 0; border-bottom: 1px solid var(--gray-100); font-size:.96rem; }
.compare-col li:last-child { border-bottom: none; }
.compare-col li .ci { width:24px;height:24px;border-radius:50%;flex:none;display:grid;place-items:center;margin-top:1px; }
.compare-col.col-a li .ci { background: rgba(192,87,63,.12); color: var(--danger); }
.compare-col.col-b li .ci { background: rgba(47,158,107,.14); color: var(--success); }
.compare-col li .ci svg { width:13px;height:13px; }

/* Steps / process */
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; counter-reset: step; }
.step { background:#fff; border:1px solid var(--gray-200); border-radius: var(--radius); padding: 28px 22px; position: relative; }
.step .step-n { font-family: var(--font-head); font-weight:800; font-size:2.2rem; color: var(--gold-300); line-height:1; }
.step h4 { font-family: var(--font-head); font-size:1.05rem; margin:8px 0 8px; }
.step p { font-size:.9rem; }

/* CTA band */
.cta-band { background: var(--gold-grad); color: var(--navy-900); text-align: center; }
.cta-band h2 { color: var(--navy-900); font-family: var(--font-head); font-size: clamp(1.7rem,3.6vw,2.6rem); }
.cta-band p { color: #3a2f12; font-size: 1.1rem; max-width: 620px; margin: 14px auto 28px; }
.cta-band .btn-navy { background: var(--navy-900); }

/* ----------------------------- Forms ----------------------------------- */
.form-card {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow);
  padding: 38px; border: 1px solid var(--gray-200);
}
.form-card.on-navy-card { border: 1px solid rgba(255,255,255,.14); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 4px; }
.field.col-span-2 { grid-column: 1 / -1; }
.field label { font-family: var(--font-head); font-weight: 600; font-size: .85rem; color: var(--navy-800); }
.field label .req { color: var(--danger); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 1.5px solid var(--gray-200); border-radius: 10px;
  background: var(--gray-50); color: var(--text-dark); transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(200,155,60,.14);
}
.field textarea { resize: vertical; min-height: 110px; }
.field .hint { font-size: .76rem; color: #8794a6; }
.check-row { display: flex; gap: 11px; align-items: flex-start; font-size: .9rem; color: var(--text); }
.check-row input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--gold-500); flex:none; }
.radio-pills { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-pills label {
  border: 1.5px solid var(--gray-200); border-radius: 50px; padding: 9px 16px; font-size: .88rem;
  cursor: pointer; background: var(--gray-50); transition: var(--transition); font-weight:600; color: var(--navy-800);
}
.radio-pills input { display: none; }
.radio-pills input:checked + span,
.radio-pills label:has(input:checked) { }
.radio-pills label.sel { background: var(--navy-800); color:#fff; border-color: var(--navy-800); }
.form-note { font-size: .78rem; color: #8794a6; margin-top: 14px; }
.form-status { margin-top: 16px; padding: 14px 16px; border-radius: 10px; font-size: .92rem; display:none; }
.form-status.ok { display:block; background: rgba(47,158,107,.12); color: #1d6e49; border: 1px solid rgba(47,158,107,.3); }
.form-status.err { display:block; background: rgba(192,87,63,.1); color: #9c3c28; border: 1px solid rgba(192,87,63,.3); }

/* Tags / pills */
.pill { display:inline-flex; align-items:center; gap:6px; font-family:var(--font-head); font-weight:700; font-size:.72rem; letter-spacing:.04em; text-transform:uppercase; padding:5px 12px; border-radius:50px; }
.pill-gold { background: rgba(200,155,60,.16); color:#9a7423; }
.pill-navy { background: rgba(10,39,72,.1); color: var(--navy-800); }
.pill-green { background: rgba(47,158,107,.14); color:#1d6e49; }
.pill-amber { background: rgba(217,164,65,.18); color:#8a651b; }
.pill-blue  { background: rgba(47,111,174,.14); color:#235a86; }
.pill-gray  { background: var(--gray-100); color: var(--text); }
.pill-red   { background: rgba(192,87,63,.12); color:#9c3c28; }

/* ----------------------------- Auth / Portal --------------------------- */
.auth-wrap { max-width: 1040px; margin: 0 auto; display:grid; grid-template-columns: 1fr 1fr; gap:0; border-radius: var(--radius-lg); overflow:hidden; box-shadow: var(--shadow-lg); background:#fff; }
.auth-aside { background: var(--navy-grad); color:#cfe; padding: 46px 40px; position:relative; overflow:hidden; }
.auth-aside::after{content:"";position:absolute;inset:0;background:radial-gradient(500px 300px at 100% 0,rgba(200,155,60,.2),transparent 60%);}
.auth-aside > * { position:relative; z-index:2; }
.auth-aside h2 { color:#fff; font-family:var(--font-head); font-size:1.7rem; margin-bottom:14px; }
.auth-aside p { color:#bcd; font-size:.96rem; }
.auth-aside .benefit { color:#cfe; margin-top:14px; }
.auth-aside .benefit b { color:#fff; }
.auth-main { padding: 44px 40px; }
.tabs { display:flex; gap:6px; background: var(--gray-100); padding:5px; border-radius:50px; margin-bottom:26px; }
.tab-btn { flex:1; padding:11px; border-radius:50px; font-family:var(--font-head); font-weight:700; font-size:.9rem; color:var(--text); transition:var(--transition); }
.tab-btn.active { background:#fff; color:var(--navy-900); box-shadow: var(--shadow-sm); }
.tab-panel { display:none; }
.tab-panel.active { display:block; animation: fade .3s ease; }
@keyframes fade { from {opacity:0; transform: translateY(6px);} to {opacity:1; transform:none;} }

/* Dashboard */
.dash { display:grid; grid-template-columns: 260px 1fr; gap:28px; align-items:start; }
.dash-side { background:#fff; border:1px solid var(--gray-200); border-radius: var(--radius); padding:18px; position:sticky; top:96px; box-shadow: var(--shadow-sm); }
.dash-user { display:flex; align-items:center; gap:12px; padding:10px 8px 16px; border-bottom:1px solid var(--gray-100); margin-bottom:12px; }
.avatar { width:46px;height:46px;border-radius:50%; background: var(--gold-grad); display:grid;place-items:center; font-family:var(--font-head); font-weight:800; color:var(--navy-900); flex:none; }
.dash-user b { font-family:var(--font-head); font-size:.95rem; color:var(--navy-900); display:block; }
.dash-user small { color:var(--text); font-size:.76rem; }
.dash-nav a { display:flex; align-items:center; gap:11px; padding:11px 12px; border-radius:9px; color:var(--navy-800); font-family:var(--font-head); font-weight:600; font-size:.9rem; cursor:pointer; }
.dash-nav a svg { width:18px;height:18px; color:var(--text); }
.dash-nav a:hover, .dash-nav a.active { background: var(--gray-50); color:var(--gold-500); }
.dash-nav a.active svg { color: var(--gold-500); }
.dash-main { min-width:0; }
.dash-panel { display:none; }
.dash-panel.active { display:block; animation: fade .3s ease; }

.tiles { display:grid; grid-template-columns: repeat(4,1fr); gap:18px; margin-bottom:26px; }
.tile { background:#fff; border:1px solid var(--gray-200); border-radius: var(--radius); padding:20px; box-shadow: var(--shadow-sm); }
.tile .t-ico { width:40px;height:40px;border-radius:10px;display:grid;place-items:center; background: var(--gray-50); margin-bottom:12px; }
.tile .t-ico svg { width:20px;height:20px; color: var(--gold-500); }
.tile .t-num { font-family:var(--font-head); font-weight:800; font-size:1.7rem; color:var(--navy-900); }
.tile .t-lbl { font-size:.84rem; color:var(--text); }

.panel-box { background:#fff; border:1px solid var(--gray-200); border-radius: var(--radius); padding:26px; box-shadow: var(--shadow-sm); margin-bottom:22px; }
.panel-box h3 { font-family:var(--font-head); font-size:1.15rem; margin-bottom:16px; display:flex; align-items:center; justify-content:space-between; gap:10px; }

/* Progress / status track */
.track { display:flex; flex-wrap:wrap; gap:8px; }
.track .node { flex:1; min-width:90px; text-align:center; position:relative; }
.track .dot { width:26px;height:26px;border-radius:50%; margin:0 auto 8px; background:var(--gray-200); display:grid;place-items:center; color:#fff; font-size:.7rem; }
.track .node.done .dot { background: var(--success); }
.track .node.current .dot { background: var(--gold-500); box-shadow:0 0 0 5px rgba(200,155,60,.2); }
.track .node small { font-size:.72rem; color:var(--text); display:block; }
.track .node.current small { color:var(--navy-900); font-weight:700; }

/* Tables */
.table-wrap { overflow-x:auto; border:1px solid var(--gray-200); border-radius: var(--radius); }
table.data { width:100%; border-collapse: collapse; font-size:.9rem; background:#fff; min-width: 640px; }
table.data th { text-align:left; padding:14px 16px; background: var(--gray-50); font-family:var(--font-head); font-weight:700; color:var(--navy-800); font-size:.8rem; text-transform:uppercase; letter-spacing:.04em; border-bottom:1px solid var(--gray-200); white-space:nowrap; }
table.data td { padding:13px 16px; border-bottom:1px solid var(--gray-100); color:var(--text-dark); vertical-align:middle; }
table.data tr:hover td { background: var(--gray-50); }
table.data .row-actions { display:flex; gap:6px; }

/* Doc list */
.doc-item { display:flex; align-items:center; gap:14px; padding:14px 0; border-bottom:1px solid var(--gray-100); }
.doc-item:last-child { border-bottom:none; }
.doc-ico { width:42px;height:42px;border-radius:10px; background: var(--gray-50); display:grid;place-items:center; flex:none; }
.doc-ico svg { width:20px;height:20px; color: var(--navy-700); }
.doc-item .d-meta { flex:1; min-width:0; }
.doc-item .d-meta b { font-family:var(--font-head); font-size:.94rem; color:var(--navy-900); display:block; }
.doc-item .d-meta small { color:var(--text); font-size:.78rem; }

/* Messages */
.msg { display:flex; gap:12px; padding:14px; border-radius:12px; background:var(--gray-50); margin-bottom:12px; }
.msg .m-av { width:38px;height:38px;border-radius:50%; background:var(--navy-grad); color:var(--gold-400); display:grid;place-items:center; font-family:var(--font-head); font-weight:800; flex:none; font-size:.85rem; }
.msg b { font-family:var(--font-head); font-size:.9rem; color:var(--navy-900); }
.msg small { color:#8794a6; font-size:.74rem; }
.msg p { font-size:.92rem; margin-top:4px; }

/* Accordion (FAQ) */
.acc { border:1px solid var(--gray-200); border-radius: var(--radius); overflow:hidden; background:#fff; }
.acc-item { border-bottom:1px solid var(--gray-100); }
.acc-item:last-child { border-bottom:none; }
.acc-head { width:100%; text-align:left; padding:20px 24px; font-family:var(--font-head); font-weight:700; color:var(--navy-900); display:flex; justify-content:space-between; gap:16px; align-items:center; font-size:1.02rem; }
.acc-head .ai { color:var(--gold-500); font-size:1.4rem; transition: transform var(--transition); flex:none; }
.acc-item.open .ai { transform: rotate(45deg); }
.acc-body { max-height:0; overflow:hidden; transition:max-height var(--transition); }
.acc-body div { padding:0 24px 22px; color:var(--text); font-size:.96rem; }

/* Info row (contact) */
.info-row { display:flex; gap:14px; align-items:flex-start; margin-bottom:20px; }
.info-row .ir-ico { width:46px;height:46px;border-radius:12px; background:var(--navy-grad); display:grid;place-items:center; flex:none; }
.info-row .ir-ico svg { width:22px;height:22px; color:var(--gold-400); }
.info-row b { font-family:var(--font-head); color:var(--navy-900); display:block; font-size:.95rem; }
.info-row a, .info-row span { color:var(--text); font-size:.95rem; }

/* Logo cloud / chips */
.chips { display:flex; flex-wrap:wrap; gap:10px; }
.chip { background:#fff; border:1px solid var(--gray-200); border-radius:50px; padding:8px 16px; font-size:.84rem; font-family:var(--font-head); font-weight:600; color:var(--navy-800); display:flex; align-items:center; gap:8px; }
.chip svg { width:16px;height:16px; color:var(--gold-500); }

/* ----------------------------- Footer ---------------------------------- */
.site-footer { background: var(--navy-900); color: #9fb1c7; padding-top: 66px; }
.footer-grid { display:grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.08); }
.site-footer .brand .brand-name { color:#fff; }
.site-footer .f-about { margin: 18px 0; font-size:.92rem; color:#8499b3; max-width: 320px; }
.site-footer h4 { color:#fff; font-family:var(--font-head); font-size:.95rem; letter-spacing:.05em; text-transform:uppercase; margin-bottom:18px; }
.site-footer .f-links a { display:block; color:#9fb1c7; padding:6px 0; font-size:.92rem; }
.site-footer .f-links a:hover { color: var(--gold-400); padding-left:5px; }
.site-footer .f-contact li { display:flex; gap:10px; align-items:flex-start; margin-bottom:12px; font-size:.9rem; }
.site-footer .f-contact svg { width:18px;height:18px; color:var(--gold-400); flex:none; margin-top:2px; }
.site-footer .f-contact a { color:#9fb1c7; } .site-footer .f-contact a:hover{color:var(--gold-400);}
.social-row { display:flex; gap:10px; margin-top:8px; }
.social-row a { width:40px;height:40px;border-radius:10px; background: rgba(255,255,255,.06); display:grid;place-items:center; transition:var(--transition); }
.social-row a:hover { background: var(--gold-grad); }
.social-row a svg { width:19px;height:19px; color:#cdd9e8; }
.social-row a:hover svg { color: var(--navy-900); }
.footer-legal { padding: 26px 0 30px; font-size:.78rem; color:#6f83a0; line-height:1.7; }
.footer-bottom { display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; padding-bottom:30px; font-size:.84rem; color:#7c91ae; }

/* Page hero (interior) */
.page-hero { background: var(--navy-grad); color:#fff; padding: 64px 0 70px; position:relative; overflow:hidden; }
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 90% -20%,rgba(200,155,60,.16),transparent 60%);}
.page-hero .container{position:relative;z-index:2;}
.page-hero h1 { color:#fff; font-family:var(--font-head); font-size: clamp(2rem,4.4vw,3.1rem); max-width: 860px; }
.page-hero p { color:#c3d2e6; font-size:1.12rem; max-width: 680px; margin-top:14px; }
.breadcrumb { display:flex; gap:8px; font-size:.82rem; color:#90a4be; margin-bottom:18px; }
.breadcrumb a { color:#90a4be; } .breadcrumb a:hover{color:var(--gold-400);}

/* Misc */
.divider-dot { color: var(--gold-500); }
.icon-list { display:grid; gap:14px; }
.icon-list li { display:flex; gap:13px; align-items:flex-start; }
.icon-list .il-ico { width:30px;height:30px;border-radius:8px; background: var(--gray-50); display:grid;place-items:center; flex:none; }
.icon-list .il-ico svg { width:16px;height:16px; color: var(--gold-500); }
.grid-2 { display:grid; grid-template-columns:1fr 1fr; gap:40px; align-items:start; }
.mt-0{margin-top:0}.mt-1{margin-top:10px}.mt-2{margin-top:20px}.mt-3{margin-top:32px}.mb-2{margin-bottom:20px}
.fade-up { opacity:0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.fade-up.in { opacity:1; transform:none; }

/* Prose (legal pages) */
.prose { color: var(--text); font-size: 1.02rem; }
.prose h2 { font-family: var(--font-head); font-size: 1.4rem; margin: 38px 0 12px; color: var(--navy-900); }
.prose h3 { font-family: var(--font-head); font-size: 1.08rem; margin: 24px 0 8px; color: var(--navy-800); }
.prose p { margin-bottom: 14px; }
.prose ul { margin: 0 0 16px; padding: 0; }
.prose ul li { position: relative; padding-left: 24px; margin-bottom: 9px; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: 10px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-500); }
.prose a { color: var(--gold-500); text-decoration: underline; }
.prose strong { color: var(--navy-900); }
.prose .updated { font-size: .86rem; color: #8794a6; margin-bottom: 8px; }
.legal-note { background: var(--cream); border: 1px solid var(--gold-300); border-radius: var(--radius); padding: 18px 22px; font-size: .9rem; color: #6b5a30; margin: 8px 0 26px; }

/* Skip link */
.skip { position:absolute; left:-9999px; top:0; background:var(--gold-500); color:var(--navy-900); padding:10px 16px; z-index:2000; border-radius:0 0 8px 0; }
.skip:focus { left:0; }

/* ----------------------------- Responsive ------------------------------ */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap:32px; }
  .hero-grid { gap: 36px; }
  .dash { grid-template-columns: 1fr; }
  .dash-side { position: static; display:flex; flex-wrap:wrap; gap:6px; }
  .dash-side .dash-user { width:100%; }
  .dash-nav { display:flex; flex-wrap:wrap; gap:6px; }
}
@media (max-width: 900px) {
  .section { padding: 64px 0; }
  .nav-links, .nav-cta .btn:not(.menu-toggle) { display: none; }
  .menu-toggle { display:block; }
  .nav-mobile {
    position: fixed; inset: 76px 0 0; background: #fff; transform: translateX(100%);
    transition: transform var(--transition); padding: 24px; overflow-y:auto; z-index:999;
    display:flex; flex-direction:column; gap:4px; box-shadow: var(--shadow-lg);
  }
  .menu-open .nav-mobile { transform: translateX(0); }
  .nav-mobile a { padding: 14px 12px; border-radius:10px; font-family:var(--font-head); font-weight:600; color:var(--navy-800); border-bottom:1px solid var(--gray-100); }
  .nav-mobile a.active { color: var(--gold-500); }
  .nav-mobile .m-group-label { font-size:.72rem; text-transform:uppercase; letter-spacing:.12em; color:#8794a6; padding:16px 12px 6px; }
  .nav-mobile .btn { margin-top: 8px; }
  .hero-grid, .split, .grid-2, .auth-wrap { grid-template-columns: 1fr; }
  .split.reverse .split-visual { order: 0; }
  .auth-aside { display:none; }
  .cards-3, .cards-4 { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: 1fr 1fr; gap:30px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .tiles { grid-template-columns: 1fr 1fr; }
  .compare { grid-template-columns: 1fr; }
  .hero-visual { max-width: 460px; margin: 0 auto; }
  .hero-badge.top-right { right: 0; }
  .hero-badge { left: 0; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .brand .logo-img.logo-full { height: 48px; }
  .site-footer .brand .logo-img { height: 56px; }
  .section { padding: 52px 0; }
  .container { padding: 0 18px; }
  .cards-3, .cards-4, .cards-2, .form-grid, .tiles { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .form-card { padding: 24px; }
  .hero { padding: 56px 0 64px; }
  .hero-cta .btn { width: 100%; }
  .btn { width: 100%; }
  .nav-cta { gap: 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .auth-main { padding: 30px 22px; }
}
@media print { .site-header, .site-footer, .menu-toggle { display:none; } }

/* ===================== Chat IA (agente del sitio) ===================== */
#slvChat { position: fixed; right: 20px; bottom: 20px; z-index: 1200; font-family: var(--font-body); }
.slv-chat-fab { display:flex; align-items:center; gap:10px; background: var(--gold-grad); color: var(--navy-900); border-radius:50px; padding:13px 20px; box-shadow: var(--shadow); font-family: var(--font-head); font-weight:700; cursor:pointer; transition: transform var(--transition), box-shadow var(--transition); }
.slv-chat-fab:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.slv-fab-ico svg { width:22px; height:22px; }
#slvChat.open .slv-chat-fab { display:none; }
.slv-chat-panel { position: fixed; right:20px; bottom:20px; width:380px; max-width:calc(100vw - 32px); height:560px; max-height:calc(100vh - 40px); background:#fff; border:1px solid var(--gray-200); border-radius:18px; box-shadow: var(--shadow-lg); display:none; flex-direction:column; overflow:hidden; }
.slv-chat-panel.on { display:flex; animation: slvUp .25s ease; }
@keyframes slvUp { from { opacity:0; transform: translateY(16px);} to {opacity:1; transform:none;} }
.slv-chat-head { background: var(--navy-grad); color:#fff; padding:14px 16px; display:flex; align-items:center; justify-content:space-between; }
.slv-chat-id { display:flex; align-items:center; gap:10px; }
.slv-chat-av { width:38px;height:38px;border-radius:50%; background: var(--gold-grad); color:var(--navy-900); display:grid;place-items:center; font-family:var(--font-head); font-weight:800; font-size:.72rem; flex:none; }
.slv-chat-id b { font-family:var(--font-head); font-size:.98rem; display:block; }
.slv-chat-id small { color:#bcd; font-size:.74rem; }
.slv-chat-x { color:#fff; font-size:1.6rem; line-height:1; width:30px;height:30px; border-radius:8px; cursor:pointer; }
.slv-chat-x:hover { background: rgba(255,255,255,.12); }
.slv-chat-lead { display:flex; gap:6px; padding:10px; background: var(--gray-50); border-bottom:1px solid var(--gray-100); }
.slv-chat-lead input { flex:1; min-width:0; padding:8px 10px; border:1px solid var(--gray-200); border-radius:8px; font-size:.8rem; background:#fff; }
.slv-chat-lead input:focus { outline:none; border-color: var(--gold-500); }
.slv-chat-msgs { flex:1; overflow-y:auto; padding:16px; background:#fff; display:flex; flex-direction:column; gap:12px; }
.slv-msg { display:flex; gap:8px; align-items:flex-end; max-width:90%; }
.slv-msg.u { align-self:flex-end; flex-direction: row-reverse; }
.slv-msg-av { width:28px;height:28px;border-radius:50%; background:var(--navy-grad); color:var(--gold-400); display:grid;place-items:center; font-family:var(--font-head); font-weight:800; font-size:.58rem; flex:none; }
.slv-msg-bubble { padding:10px 14px; border-radius:14px; font-size:.92rem; line-height:1.5; }
.slv-msg.a .slv-msg-bubble { background: var(--gray-50); color: var(--text-dark); border-bottom-left-radius:4px; }
.slv-msg.u .slv-msg-bubble { background: var(--navy-800); color:#fff; border-bottom-right-radius:4px; }
.slv-typing { display:flex; gap:4px; }
.slv-typing span { width:7px;height:7px;border-radius:50%; background:#aab4c2; animation: slvBlink 1.2s infinite; }
.slv-typing span:nth-child(2){ animation-delay:.2s } .slv-typing span:nth-child(3){ animation-delay:.4s }
@keyframes slvBlink { 0%,60%,100%{opacity:.3} 30%{opacity:1} }
.slv-chat-input { display:flex; gap:8px; padding:12px; border-top:1px solid var(--gray-100); align-items:flex-end; }
.slv-chat-input textarea { flex:1; resize:none; border:1.5px solid var(--gray-200); border-radius:12px; padding:10px 12px; font-size:.92rem; max-height:120px; background: var(--gray-50); font-family:inherit; }
.slv-chat-input textarea:focus { outline:none; border-color: var(--gold-500); background:#fff; }
.slv-chat-send { width:44px;height:44px;border-radius:12px; background: var(--gold-grad); color:var(--navy-900); display:grid;place-items:center; flex:none; cursor:pointer; }
.slv-chat-send svg { width:20px;height:20px; }
.slv-chat-send:disabled { opacity:.5; cursor:default; }
.slv-chat-foot { font-size:.66rem; color:#8794a6; text-align:center; padding:0 12px 10px; }
@media (max-width:560px){
  #slvChat { right:14px; bottom:14px; }
  .slv-chat-panel { right:0; bottom:0; width:100vw; height:100dvh; max-height:100dvh; border-radius:0; }
}