:root {
  --navy: #071f36;
  --navy-2: #0b3154;
  --blue: #0c6f93;
  --aqua: #40c2cc;
  --green: #25d366;
  --ink: #13283b;
  --muted: #647586;
  --line: #dce6ec;
  --paper: #f5f8fa;
  --white: #fff;
  --radius: 24px;
  --shadow: 0 24px 70px rgba(7, 31, 54, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: "DM Sans", sans-serif; -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, a { -webkit-tap-highlight-color: transparent; }
.shell { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 999; top: 8px; left: 8px; padding: 10px 16px; color: #fff; background: var(--navy); transform: translateY(-150%); }
.skip-link:focus { transform: none; }

.topbar { position: fixed; z-index: 100; inset: 0 0 auto; height: 92px; border-bottom: 1px solid rgba(255,255,255,.09); background: rgba(7,31,54,.88); backdrop-filter: blur(18px); transition: background .25s, box-shadow .25s; }
.topbar.scrolled { background: rgba(7,31,54,.97); box-shadow: 0 8px 35px rgba(7,31,54,.18); }
.nav-wrap { display: flex; height: 100%; align-items: center; justify-content: space-between; }
.brand img { width: 152px; filter: brightness(0) invert(1); }
.main-nav { display: flex; align-items: center; gap: 34px; }
.main-nav > a { color: rgba(255,255,255,.82); font-size: 14px; font-weight: 600; }
.main-nav > a:hover { color: #fff; }
.main-nav .nav-cta { display: inline-flex; min-height: 46px; padding: 0 19px; align-items: center; gap: 9px; border-radius: 99px; color: #fff; background: var(--green); }
.nav-cta svg { width: 18px; fill: currentColor; }
.menu-toggle { display: none; padding: 10px; border: 0; background: none; }
.menu-toggle > span:not(.sr-only) { display: block; width: 25px; height: 2px; margin: 5px; background: #fff; }

.hero { position: relative; min-height: 790px; overflow: hidden; color: #fff; background: var(--navy); }
.hero-art { position: absolute; inset: 0; opacity: .72; background: linear-gradient(90deg, var(--navy) 0%, rgba(7,31,54,.94) 43%, rgba(7,31,54,.22) 78%), url("../img/segments/seguro-vida.png") 70% center/cover no-repeat; }
.hero::before { position: absolute; z-index: 1; right: -180px; bottom: -360px; width: 700px; height: 700px; border: 110px solid rgba(64,194,204,.12); border-radius: 50%; content: ""; }
.hero-grid { position: relative; z-index: 2; display: grid; min-height: 790px; padding-top: 132px; padding-bottom: 76px; grid-template-columns: 1.5fr .72fr; align-items: end; gap: 80px; }
.hero-copy { align-self: center; max-width: 720px; }
.eyebrow { display: inline-flex; margin-bottom: 20px; align-items: center; gap: 11px; color: var(--blue); font-family: "Manrope"; font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow::before { width: 34px; height: 2px; background: currentColor; content: ""; }
.eyebrow.light { color: #72d8df; }
h1, h2, h3 { font-family: "Manrope", sans-serif; }
.hero h1 { max-width: 760px; margin: 0 0 24px; color: #fff; font-size: clamp(52px, 6vw, 78px); line-height: 1.01; letter-spacing: -.055em; }
.hero h1 em { color: #72d8df; font-style: normal; }
.hero-copy > p { max-width: 610px; margin: 0 0 34px; color: rgba(255,255,255,.72); font-size: 19px; line-height: 1.65; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; min-height: 54px; padding: 0 24px; align-items: center; justify-content: center; gap: 10px; border: 1px solid transparent; border-radius: 99px; font-size: 14px; font-weight: 700; transition: transform .2s, background .2s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: #fff; background: var(--green); box-shadow: 0 14px 32px rgba(37,211,102,.22); }
.btn-primary:hover { background: #1fb858; }
.btn-ghost { color: #fff; border-color: rgba(255,255,255,.32); background: rgba(255,255,255,.05); }
.trust-list { display: flex; margin: 34px 0 0; padding: 0; gap: 24px; color: rgba(255,255,255,.68); font-size: 12px; list-style: none; }
.trust-list span { color: #72d8df; }
.hero-card { padding: 26px; border: 1px solid rgba(255,255,255,.18); border-radius: var(--radius); background: rgba(8,36,61,.74); box-shadow: var(--shadow); backdrop-filter: blur(16px); }
.hero-card-label { display: block; margin-bottom: 12px; color: #72d8df; font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.hero-card > strong { display: block; color: #fff; font-family: "Manrope"; font-size: 22px; line-height: 1.25; }
.hero-card > p { margin: 10px 0 22px; color: rgba(255,255,255,.62); font-size: 13px; line-height: 1.55; }
.hero-card > a { display: grid; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.14); grid-template-columns: 42px 1fr auto; align-items: center; gap: 12px; }
.whatsapp-mark { display: grid; width: 42px; height: 42px; place-items: center; border-radius: 50%; color: #fff; background: var(--green); font-weight: 800; }
.hero-card a small { display: block; margin-bottom: 2px; color: rgba(255,255,255,.55); font-size: 10px; text-transform: uppercase; }
.hero-card a span { color: #fff; font-weight: 700; }
.hero-card a b { font-size: 20px; }

.proof-strip { color: #fff; background: var(--navy-2); }
.proof-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.proof-grid > div { display: flex; min-height: 122px; padding: 28px 34px; align-items: center; gap: 18px; border-right: 1px solid rgba(255,255,255,.1); }
.proof-grid > div:first-child { padding-left: 0; }
.proof-grid > div:last-child { border: 0; }
.proof-grid span { color: #72d8df; font-family: "Manrope"; font-size: 13px; font-weight: 700; }
.proof-grid p { margin: 0; color: rgba(255,255,255,.55); font-size: 12px; line-height: 1.5; }
.proof-grid strong { display: block; color: #fff; font-size: 15px; }

.section { padding: 120px 0; }
.section-head { display: flex; margin-bottom: 46px; align-items: end; justify-content: space-between; gap: 80px; }
.section-head h2, .about-copy h2, .cta-box h2 { max-width: 720px; margin: 0; color: var(--navy); font-size: clamp(38px, 4.5vw, 58px); line-height: 1.08; letter-spacing: -.045em; }
.section-head > p { max-width: 420px; margin: 0 0 6px; color: var(--muted); line-height: 1.7; }
.filter-bar { display: flex; margin-bottom: 30px; gap: 8px; }
.filter-bar button { padding: 11px 18px; border: 1px solid var(--line); border-radius: 99px; color: var(--muted); background: #fff; font: 600 13px "DM Sans"; cursor: pointer; }
.filter-bar button.active { border-color: var(--navy); color: #fff; background: var(--navy); }
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); grid-auto-rows: 410px; gap: 18px; }
.product-card { position: relative; overflow: hidden; border-radius: 20px; background: var(--navy); transition: transform .3s, box-shadow .3s, opacity .25s; }
.product-card.featured { grid-column: span 2; }
.product-card.hidden { display: none; }
.product-card:hover { z-index: 1; box-shadow: var(--shadow); transform: translateY(-6px); }
.product-card > img { width: 100%; height: 100%; object-fit: cover; transition: transform .65s; }
.product-card:hover > img { transform: scale(1.045); }
.product-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 30%, rgba(4,22,38,.93) 100%); }
.product-content { position: absolute; inset: auto 0 0; padding: 28px; color: #fff; }
.product-content > span { color: #7edee4; font-size: 10px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.product-content h3 { margin: 7px 0 6px; color: #fff; font-size: 25px; letter-spacing: -.03em; }
.product-content p { margin: 0; color: rgba(255,255,255,.66); font-size: 13px; }
.product-content a { display: flex; max-height: 0; margin-top: 0; overflow: hidden; align-items: center; justify-content: space-between; color: #fff; font-size: 13px; font-weight: 700; opacity: 0; transition: max-height .3s, margin .3s, opacity .3s; }
.product-card:hover .product-content a, .product-card:focus-within .product-content a { max-height: 30px; margin-top: 18px; opacity: 1; }

.about { background: #fff; }
.about-grid { display: grid; grid-template-columns: .92fr 1fr; align-items: center; gap: 96px; }
.about-visual { position: relative; }
.about-visual > img { width: 100%; height: 610px; border-radius: var(--radius); object-fit: cover; }
.experience-badge { position: absolute; right: -32px; bottom: 36px; width: 210px; padding: 24px; border-radius: 18px; color: #fff; background: var(--navy); box-shadow: var(--shadow); }
.experience-badge strong, .experience-badge span { display: block; }
.experience-badge strong { color: #72d8df; font: 700 24px "Manrope"; }
.experience-badge span { margin-top: 4px; color: rgba(255,255,255,.67); font-size: 12px; line-height: 1.45; }
.about-copy > p { margin: 24px 0 34px; color: var(--muted); font-size: 16px; line-height: 1.8; }
.benefits { border-top: 1px solid var(--line); }
.benefits > div { display: grid; padding: 20px 0; border-bottom: 1px solid var(--line); grid-template-columns: 40px 1fr; gap: 10px; }
.benefits span { color: var(--blue); font: 700 12px "Manrope"; }
.benefits p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.5; }
.benefits strong { display: block; margin-bottom: 3px; color: var(--ink); font-size: 15px; }

.process { background: #eaf1f4; }
.section-head.centered { justify-content: center; text-align: center; }
.section-head.centered .eyebrow { justify-content: center; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.steps article { min-height: 255px; padding: 34px; border: 1px solid rgba(7,31,54,.07); border-radius: 20px; background: #fff; }
.steps article > span { display: grid; width: 42px; height: 42px; margin-bottom: 42px; place-items: center; border-radius: 50%; color: #fff; background: var(--blue); font: 700 13px "Manrope"; }
.steps h3 { margin: 0 0 8px; font-size: 20px; }
.steps p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.65; }

.cta-section { padding: 0 0 80px; background: #eaf1f4; }
.cta-box { display: grid; padding: 64px; border-radius: 28px; color: #fff; background: var(--navy); grid-template-columns: 1.2fr .7fr; align-items: end; gap: 70px; }
.cta-box h2 { color: #fff; font-size: clamp(36px, 4vw, 52px); }
.cta-box p { margin: 0 0 24px; color: rgba(255,255,255,.65); line-height: 1.65; }

.footer { padding: 70px 0 24px; color: rgba(255,255,255,.6); background: #041526; }
.footer-grid { display: grid; padding-bottom: 54px; grid-template-columns: 1.7fr .7fr 1fr; gap: 70px; }
.footer-brand img { width: 150px; margin-bottom: 20px; }
.footer p { font-size: 13px; line-height: 1.7; }
.footer-grid > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 10px; }
.footer strong { margin-bottom: 8px; color: #fff; font: 700 13px "Manrope"; letter-spacing: .06em; text-transform: uppercase; }
.footer a { font-size: 13px; }
.footer a:hover { color: #72d8df; }
.footer-bottom { display: flex; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.09); justify-content: space-between; font-size: 11px; }

.whatsapp-float { position: fixed; z-index: 90; right: 22px; bottom: 22px; display: grid; width: 58px; height: 58px; place-items: center; border-radius: 50%; color: #fff; background: var(--green); box-shadow: 0 12px 30px rgba(24,122,61,.35); transition: transform .2s; }
.whatsapp-float:hover { transform: translateY(-4px) scale(1.03); }
.whatsapp-float svg { width: 29px; fill: currentColor; }

@media (max-width: 960px) {
  .main-nav { gap: 20px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr; gap: 60px; }
  .about-visual { max-width: 680px; }
  .about-visual > img { height: 500px; }
  .experience-badge { right: 24px; }
}

@media (max-width: 720px) {
  .shell { width: min(100% - 30px, 1180px); }
  .topbar { height: 84px; }
  .brand img { width: 130px; }
  .menu-toggle { display: block; }
  .main-nav { position: absolute; top: 84px; right: 0; left: 0; display: none; padding: 24px 20px; border-top: 1px solid rgba(255,255,255,.1); background: var(--navy); flex-direction: column; align-items: stretch; gap: 8px; }
  .main-nav.open { display: flex; }
  .main-nav > a { padding: 12px; text-align: center; }
  .main-nav .nav-cta { justify-content: center; }
  .hero { min-height: 710px; }
  .hero-art { background: linear-gradient(90deg, rgba(7,31,54,.97), rgba(7,31,54,.68)), url("../img/segments/seguro-vida.png") center/cover; }
  .hero-grid { min-height: 710px; padding-top: 110px; padding-bottom: 48px; align-items: center; }
  .hero h1 { font-size: 46px; }
  .hero-copy > p { font-size: 17px; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; }
  .trust-list { align-items: flex-start; flex-direction: column; gap: 8px; }
  .proof-grid { grid-template-columns: 1fr; }
  .proof-grid > div { min-height: auto; padding: 22px 0; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.1); }
  .section { padding: 78px 0; }
  .section-head { margin-bottom: 34px; align-items: flex-start; flex-direction: column; gap: 20px; }
  .section-head h2, .about-copy h2 { font-size: 37px; }
  .filter-bar { padding-bottom: 4px; overflow-x: auto; }
  .filter-bar button { white-space: nowrap; }
  .product-grid { grid-template-columns: 1fr; grid-auto-rows: 390px; }
  .product-card.featured { grid-column: auto; }
  .product-content a { max-height: 30px; margin-top: 16px; opacity: 1; }
  .about-visual > img { height: 430px; }
  .experience-badge { right: 14px; bottom: 14px; }
  .steps { grid-template-columns: 1fr; }
  .steps article { min-height: 220px; }
  .cta-box { padding: 38px 26px; grid-template-columns: 1fr; gap: 26px; }
  .footer-grid { grid-template-columns: 1fr; gap: 38px; }
  .footer-bottom { gap: 16px; flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}