/* Vanguardia Seguros — sitio de ejemplo */
:root{
  --navy:#0F2A43;
  --teal:#1FA89A;
  --teal-dark:#167f74;
  --bg:#FFFFFF;
  --soft:#F4F6F8;
  --amber:#F2A71D;
  --amber-dark:#d98f08;
  --text:#2b3a4a;
  --muted:#5a6b7b;
  --radius:18px;
  --shadow:0 10px 30px rgba(15,42,67,.08);
  --font-title:'Poppins',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font-family:var(--font-body);color:var(--text);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:var(--font-title);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.6rem,4vw,2.3rem);font-weight:600}
h3{font-size:1.15rem;font-weight:600}
p{margin:0 0 1em}
.container{width:min(1120px,100% - 32px);margin-inline:auto}
.section{padding:72px 0}
.section--soft{background:var(--soft)}
.eyebrow{display:inline-block;font-family:var(--font-title);font-weight:600;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:.8rem}
.section-head{max-width:640px;margin-bottom:40px}
.section-head p{color:var(--muted);font-size:1.05rem}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:6px}

/* Botones */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--font-title);font-weight:600;font-size:.98rem;padding:.85rem 1.5rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:transform .2s,background .2s,box-shadow .2s,color .2s}
.btn:hover{transform:translateY(-2px)}
.btn--primary{background:var(--amber);color:var(--navy);box-shadow:0 8px 20px rgba(242,167,29,.35)}
.btn--primary:hover{background:var(--amber-dark)}
.btn--ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--small{padding:.55rem 1.2rem;font-size:.9rem}
.btn svg{width:20px;height:20px}

/* Header */
.header{position:fixed;inset:0 0 auto 0;z-index:100;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:box-shadow .25s,border-color .25s}
.header.is-scrolled{box-shadow:0 4px 20px rgba(15,42,67,.08);border-color:#e6ebf0}
.header__inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:.65rem}
.brand img{width:42px;height:42px;object-fit:contain}
.brand__text{display:flex;flex-direction:column;line-height:1}
.brand__name{font-family:var(--font-title);font-weight:700;font-size:1.05rem;color:var(--navy);letter-spacing:.02em}
.brand__sub{font-family:var(--font-title);font-weight:600;font-size:.7rem;letter-spacing:.28em;color:var(--teal);margin-top:4px}
.nav{display:none}
.nav a{font-weight:500;color:var(--navy);padding:.5rem .2rem;position:relative}
.nav a::after{content:"";position:absolute;left:0;bottom:2px;width:0;height:2px;background:var(--teal);transition:width .25s}
.nav a:hover::after,.nav a.is-active::after{width:100%}
.header__cta{display:none}
.burger{width:44px;height:44px;border:0;background:transparent;border-radius:10px;cursor:pointer;display:grid;place-content:center;gap:5px}
.burger span{display:block;width:24px;height:2.5px;background:var(--navy);border-radius:2px;transition:transform .25s,opacity .25s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
.mobile-menu{position:fixed;inset:72px 0 auto 0;background:#fff;padding:12px 16px 24px;border-bottom:1px solid #e6ebf0;box-shadow:0 20px 30px rgba(15,42,67,.1);transform:translateY(-12px);opacity:0;visibility:hidden;transition:.25s;z-index:99}
.mobile-menu.is-open{transform:none;opacity:1;visibility:visible}
.mobile-menu a{display:block;padding:.9rem .4rem;font-weight:500;color:var(--navy);border-bottom:1px solid #eef1f4}
.mobile-menu .btn{margin-top:16px;width:100%;border-bottom:0}

/* Hero */
.hero{padding:120px 0 64px;background:radial-gradient(900px 420px at 85% 0%,rgba(31,168,154,.14),transparent 60%),linear-gradient(180deg,#fff,var(--soft))}
.hero__grid{display:grid;gap:40px;align-items:center}
.hero p.lead{font-size:1.15rem;color:var(--muted);max-width:520px}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 36px}
.trust{display:grid;gap:14px;list-style:none;margin:0;padding:0}
.trust li{display:flex;align-items:flex-start;gap:.7rem;font-size:.95rem;color:var(--navy);font-weight:500}
.trust svg{flex:none;width:22px;height:22px;color:var(--teal);margin-top:2px}
.hero__visual{display:grid;place-items:center}
.shield-card{width:min(360px,100%);aspect-ratio:1;border-radius:36px;background:#fff;border:1px solid #e3e9ef;display:grid;place-items:center;position:relative;box-shadow:0 30px 60px rgba(15,42,67,.16);overflow:hidden}
.shield-card::before{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:var(--teal);opacity:.12;top:-90px;right:-90px}
.shield-card::after{content:"";position:absolute;width:200px;height:200px;border-radius:50%;background:var(--amber);opacity:.14;bottom:-70px;left:-60px}
.shield-card img{width:56%;position:relative;z-index:1}
.shield-card .tag{position:absolute;z-index:2;background:#fff;color:var(--navy);font-family:var(--font-title);font-weight:600;font-size:.78rem;padding:.5rem .9rem;border-radius:999px;box-shadow:var(--shadow)}
.tag--1{top:22px;left:20px}.tag--2{bottom:26px;right:18px}

/* Tarjetas de seguros */
.cards{display:grid;gap:20px}
.card{background:#fff;border:1px solid #e8edf2;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-6px);border-color:var(--teal);box-shadow:0 18px 40px rgba(15,42,67,.12)}
.card__icon{width:56px;height:56px;border-radius:16px;background:rgba(31,168,154,.12);color:var(--teal-dark);display:grid;place-items:center;margin-bottom:18px}
.card__icon svg{width:30px;height:30px}
.card p{color:var(--muted);flex:1}
.card__link{font-family:var(--font-title);font-weight:600;font-size:.92rem;color:var(--teal-dark);display:inline-flex;align-items:center;gap:.4rem}
.card__link:hover{color:var(--navy)}

/* Pasos */
.steps{display:grid;gap:20px;counter-reset:step;list-style:none;margin:0;padding:0}
.step{position:relative;background:#fff;border-radius:var(--radius);padding:28px 24px 24px;box-shadow:var(--shadow)}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--font-title);font-weight:700;margin-bottom:14px}
.step p{color:var(--muted);margin:0}

/* Nosotros */
.about{display:grid;gap:40px}
.values{display:grid;gap:12px;list-style:none;padding:0;margin:20px 0 0}
.values li{display:flex;gap:.7rem;align-items:flex-start}
.values svg{flex:none;width:22px;height:22px;color:var(--teal);margin-top:3px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 0 28px}
.stat{background:var(--navy);color:#fff;border-radius:var(--radius);padding:20px 10px;text-align:center}
.stat strong{display:block;font-family:var(--font-title);font-size:clamp(1.5rem,5vw,2.2rem);color:var(--amber);line-height:1.1}
.stat span{font-size:.82rem;opacity:.9}
.quotes{display:grid;gap:16px}
blockquote{margin:0;background:#fff;border-left:4px solid var(--teal);border-radius:12px;padding:20px 22px;box-shadow:var(--shadow)}
blockquote p{font-style:italic;margin-bottom:.6em}
blockquote footer{font-family:var(--font-title);font-weight:600;font-size:.88rem;color:var(--navy)}
blockquote footer small{display:block;font-weight:400;color:var(--muted)}

/* Contacto */
.contact{display:grid;gap:32px}
.form{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);display:grid;gap:16px}
.field{display:grid;gap:6px}
label{font-weight:600;font-size:.9rem;color:var(--navy)}
input,select,textarea{width:100%;font:inherit;color:var(--text);padding:.8rem 1rem;border:1.5px solid #d6dde4;border-radius:12px;background:#fff;transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(31,168,154,.18)}
textarea{min-height:120px;resize:vertical}
.form__msg{display:none;padding:.9rem 1rem;border-radius:12px;background:rgba(31,168,154,.12);color:var(--teal-dark);font-weight:500}
.form__msg.is-visible{display:block}
.info{display:grid;gap:18px;align-content:start}
.info-item{display:flex;gap:.9rem;align-items:flex-start}
.info-item svg{flex:none;width:26px;height:26px;color:var(--teal-dark);margin-top:2px}
.info-item strong{display:block;color:var(--navy);font-family:var(--font-title)}
.map{border-radius:var(--radius);min-height:200px;background:repeating-linear-gradient(45deg,#e9eef2,#e9eef2 14px,#f1f4f7 14px,#f1f4f7 28px);display:grid;place-items:center;color:var(--muted);font-weight:500;text-align:center;padding:20px;border:1.5px dashed #c5cfd8}

/* Footer */
.footer{background:var(--navy);color:#cfd9e2;padding:56px 0 28px}
.footer__grid{display:grid;gap:32px;margin-bottom:32px}
.footer h4{font-family:var(--font-title);color:#fff;margin:0 0 .8rem;font-size:1rem}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.footer a:hover{color:var(--amber)}
.footer .brand__name{color:#fff}
.footer .brand img{background:#fff;border-radius:12px;padding:5px;width:48px;height:48px}
.footer__bottom{border-top:1px solid rgba(255,255,255,.14);padding-top:20px;font-size:.85rem;display:grid;gap:6px}
.social{display:flex;gap:10px;margin-top:14px}
.social a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.1);display:grid;place-items:center;transition:background .2s}
.social a:hover{background:var(--teal);color:#fff}
.social svg{width:18px;height:18px}

/* WhatsApp flotante */
.wa-float{position:fixed;right:18px;bottom:18px;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 24px rgba(37,211,102,.45);z-index:90;transition:transform .2s}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px}

/* Animaciones al scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease;transition-delay:var(--d,0s)}
.reveal.is-visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  .btn,.card{transition:none}
}

/* Tablet */
@media (min-width:640px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer__grid{grid-template-columns:1.4fr 1fr 1fr}
  .quotes{grid-template-columns:repeat(2,1fr)}
}
/* Escritorio */
@media (min-width:960px){
  .section{padding:96px 0}
  .burger,.mobile-menu{display:none}
  .nav{display:flex;gap:28px}
  .header__cta{display:inline-flex}
  .hero{padding:150px 0 96px}
  .hero__grid{grid-template-columns:1.1fr .9fr}
  .cards{grid-template-columns:repeat(4,1fr)}
  .steps{grid-template-columns:repeat(4,1fr)}
  .about{grid-template-columns:1fr 1fr;align-items:start}
  .contact{grid-template-columns:1.1fr .9fr}
}

/* ===== Tarjetas de seguros: oscuras y con más presencia ===== */
.card{position:relative;background:linear-gradient(160deg,#0F2A43 0%,#14395b 100%);border:1px solid rgba(255,255,255,.08);color:#fff;box-shadow:0 18px 40px rgba(15,42,67,.28);overflow:hidden}
.card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--teal),var(--amber))}
.card h3{color:#fff}
.card p{color:#c9d9e6}
.card__icon{background:rgba(31,168,154,.22);color:#5fe3d3}
.card__link{color:var(--amber)}
.card__link::after{content:"";position:absolute;inset:0}
.card:hover{transform:translateY(-8px);border-color:var(--teal);box-shadow:0 26px 50px rgba(15,42,67,.38),0 0 0 1px var(--teal)}
.card:hover .card__link{color:#fff}

/* ===== Páginas de seguro ===== */
.page-hero{background:radial-gradient(800px 360px at 90% 0%,rgba(31,168,154,.28),transparent 60%),var(--navy);color:#fff;padding:112px 0 64px}
.page-hero h1{color:#fff;margin-bottom:.4em}
.page-hero p.lead{color:#cfdce8;font-size:1.1rem;max-width:640px}
.page-hero .eyebrow{color:#5fe3d3}
.crumbs{font-size:.88rem;color:#a9bccc;margin-bottom:22px}
.crumbs a{color:#cfdce8;text-decoration:underline;text-underline-offset:3px}
.crumbs a:hover{color:var(--amber)}
.page-hero__icon{width:64px;height:64px;border-radius:18px;background:rgba(31,168,154,.22);color:#5fe3d3;display:grid;place-items:center;margin-bottom:20px}
.page-hero__icon svg{width:34px;height:34px}
.covers{display:grid;gap:16px}
.cover{background:#fff;border:1px solid #e8edf2;border-left:4px solid var(--teal);border-radius:14px;padding:20px 22px;box-shadow:var(--shadow)}
.cover h3{margin-bottom:.3em}
.cover p{margin:0;color:var(--muted)}
.compare{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;border:1px solid #e3e9ef;-webkit-overflow-scrolling:touch}
.compare table{border-collapse:separate;border-spacing:0;width:100%;min-width:680px;font-size:.95rem}
.compare th,.compare td{padding:14px 16px;text-align:center;border-bottom:1px solid #edf1f5;vertical-align:middle}
.compare thead th{background:var(--navy);color:#fff;font-family:var(--font-title);font-weight:600;font-size:1rem;position:relative;border-bottom:0;padding-top:26px}
.compare thead th.is-top{background:var(--teal-dark)}
.compare .badge{position:absolute;top:6px;left:50%;transform:translateX(-50%);background:var(--amber);color:var(--navy);font-size:.66rem;letter-spacing:.06em;text-transform:uppercase;padding:2px 10px;border-radius:999px;white-space:nowrap}
.compare tbody th{text-align:left;font-weight:600;color:var(--navy);background:#fafbfc;position:sticky;left:0;min-width:190px}
.compare thead th:first-child{text-align:left;position:sticky;left:0;z-index:1}
.compare td.is-top{background:rgba(31,168,154,.07)}
.compare tbody tr:last-child th,.compare tbody tr:last-child td{border-bottom:0}
.yes{color:var(--teal-dark);font-weight:700;font-size:1.15rem}
.no{color:#b3bec9}
.compare-note{font-size:.85rem;color:var(--muted);margin-top:14px}
.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:#fff;border:1px solid #e3e9ef;border-radius:14px;padding:4px 20px}
.faq summary{cursor:pointer;font-family:var(--font-title);font-weight:600;color:var(--navy);padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--teal-dark);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:12px;margin:0}
.cta-band{background:linear-gradient(160deg,#0F2A43,#14395b);color:#fff;text-align:center;padding:72px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#cfdce8;max-width:560px;margin:0 auto 28px}
.cta-band__actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.btn--light{border-color:#fff;color:#fff;background:transparent}
.btn--light:hover{background:#fff;color:var(--navy)}
.others{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.others a{font-family:var(--font-title);font-weight:600;font-size:.9rem;color:var(--navy);border:1.5px solid #d6dde4;border-radius:999px;padding:.5rem 1.1rem;transition:.2s}
.others a:hover{border-color:var(--teal);color:var(--teal-dark)}
@media (min-width:640px){.covers{grid-template-columns:repeat(2,1fr)}}
@media (min-width:960px){.page-hero{padding:140px 0 80px}.covers{grid-template-columns:repeat(4,1fr)}}