:root{
    --navy:#0B1B2B;
    --navy-2:#122333;
    --navy-soft:#1C3348;
    --sky:#B9DEE5;
    --sky-soft:#EBF4F6;
    --heading-muted:#122A3D;
    --terracotta:#B1592F;
    --terracotta-2:#95492A;
    --terracotta-soft:#F3E1D4;
    --cream:#F6F9FB;
    --cream-2:#ECF2F5;
    --sage:#3E6478;
    --sage-soft:#DCEAEF;
    --sand:#C98456;
    --sand-soft:#F1E3D4;
    --green:#2F7D57;
    --green-soft:#DCEEE3;
    --text:#0B1B2B;
    --muted:#4B5C6B;
    --line:rgba(11,27,43,0.1);
    --radius-lg:28px;
    --radius-md:20px;
    --radius-sm:14px;
    --shadow-card:0 20px 50px -20px rgba(11,27,43,0.25);
    --shadow-soft:0 10px 30px -12px rgba(11,27,43,0.18);
    --container:1240px;
  }

  *,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{
    font-family:'Plus Jakarta Sans','Helvetica Neue',Helvetica,Arial,sans-serif;
    background:#fff;
    color:var(--text);
    line-height:1.5;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  img{max-width:100%;display:block;}
  a{color:inherit;text-decoration:none;}
  ul{list-style:none;}
  button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit;}
  input,select{font-family:inherit;}

  .container{
    width:100%;
    max-width:var(--container);
    margin:0 auto;
    padding:0 32px;
  }
  section{position:relative;}

  h1,h2,h3,h4{font-weight:500;letter-spacing:-0.025em;line-height:1.05;text-wrap:balance;}
  .eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    font-size:13px;
    font-weight:700;
    letter-spacing:0.04em;
    text-transform:uppercase;
    color:var(--navy);
    background:rgba(11,27,43,0.045);
    border:1px solid rgba(11,27,43,0.12);
    padding:8px 16px;
    border-radius:999px;
    margin-bottom:20px;
  }
  .eyebrow::before{
    content:'';
    width:6px;height:6px;border-radius:50%;
    background:var(--terracotta);
  }

  .section-head{max-width:640px;margin-bottom:56px;}
  .section-head h2{font-size:clamp(32px,4vw,48px);font-weight:650;margin-bottom:16px;color:var(--navy);}
  .section-head p{font-size:18px;color:var(--muted);}
  .section-head.center{margin-left:auto;margin-right:auto;text-align:center;}

  /* Buttons */
  .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:14px;
    padding:7px 7px 7px 26px;
    border-radius:999px;
    font-weight:500;
    font-size:15px;
    white-space:nowrap;
    overflow:hidden;
    transition:transform 0.35s cubic-bezier(.215,.61,.355,1), box-shadow .35s ease, background .2s ease;
  }
  .btn svg{width:16px;height:16px;flex-shrink:0;}
  .btn:not(:has(.btn-ic)){padding:15px 28px;}
  .btn-ic{
    width:34px;height:34px;flex-shrink:0;
    border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    transition:transform .45s cubic-bezier(.215,.61,.355,1), background .35s ease;
  }
  .btn-ic svg{width:14px;height:14px;}
  .btn:hover .btn-ic{transform:translateX(3px) rotate(-45deg);}
  .btn-primary{
    background:var(--navy);
    color:#fff;
    box-shadow:0 14px 30px -10px rgba(11,27,43,0.45);
  }
  .btn-primary .btn-ic{background:#fff;color:var(--navy);}
  .btn-primary:hover{background:var(--navy-2);transform:translateY(-3px);box-shadow:0 18px 34px -8px rgba(11,27,43,.5);}
  .btn-dark{
    background:var(--navy);
    color:#fff;
  }
  .btn-dark .btn-ic{background:#fff;color:var(--navy);}
  .btn-dark:hover{transform:translateY(-3px);background:var(--navy-2);}
  .btn-accent{
    background:var(--terracotta);
    color:#fff;
    box-shadow:0 14px 30px -10px rgba(177,89,47,0.5);
  }
  .btn-accent .btn-ic{background:#fff;color:var(--terracotta);}
  .btn-accent:hover{background:var(--terracotta-2);transform:translateY(-3px);box-shadow:0 18px 34px -8px rgba(177,89,47,.55);}
  .btn-outline{
    background:transparent;
    color:var(--navy);
    border:1.5px solid rgba(11,27,43,0.25);
  }
  .btn-outline .btn-ic{background:var(--navy);color:#fff;}
  .btn-outline:hover{border-color:var(--navy);transform:translateY(-3px);}
  .btn-outline.light{color:#fff;border-color:rgba(255,255,255,0.35);}
  .btn-outline.light .btn-ic{background:#fff;color:var(--navy);}
  .btn-outline.light:hover{border-color:#fff;}
  .btn-whatsapp{
    background:#25D366;
    color:#fff;
    box-shadow:0 14px 30px -10px rgba(37,211,102,0.5);
  }
  .btn-whatsapp .btn-ic{background:#fff;color:#25D366;}
  .btn-whatsapp:hover .btn-ic{transform:translateX(3px);}
  .btn-whatsapp:hover{background:#1FB855;transform:translateY(-3px);box-shadow:0 18px 34px -8px rgba(37,211,102,.55);}
  .btn-white{
    background:#fff;
    color:var(--navy);
    box-shadow:0 14px 30px -10px rgba(11,27,43,0.35);
  }
  .btn-white .btn-ic{background:var(--navy);color:#fff;}
  .btn-white:hover{background:var(--sky);transform:translateY(-3px);box-shadow:0 18px 34px -8px rgba(11,27,43,.3);}
  .btn.btn-sm{padding:10px 20px;font-size:14px;}

  /* ---------------- HEADER ---------------- */
  header{
    position:fixed;
    top:0;left:0;right:0;
    z-index:1000;
    padding:20px 0;
    transition:padding .35s ease, background .35s ease, box-shadow .35s ease;
  }
  header.scrolled{
    padding:12px 0;
    background:rgba(246,249,251,0.85);
    backdrop-filter:blur(14px) saturate(160%);
    box-shadow:0 8px 30px -18px rgba(11,27,43,0.25);
  }
  .nav-inner{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:24px;
  }
  .logo{display:flex;align-items:center;height:84px;overflow:hidden;}
  .logo img{height:84px;width:auto;}
  .logo .logo-dark{display:none;height:179px;}
  header.scrolled .logo-light{display:none;}
  header.scrolled .logo-dark{display:block;}
  .nav-links{
    display:flex;
    align-items:center;
    gap:6px;
    background:transparent;
    border:1px solid transparent;
    padding:6px;
    border-radius:999px;
    backdrop-filter:none;
    transition:background .3s ease, border-color .3s ease;
  }
  header.scrolled .nav-links{
    background:transparent;
    border-color:transparent;
  }
  .nav-links a{
    padding:10px 16px;
    border-radius:999px;
    font-size:14.5px;
    font-weight:500;
    color:#fff;
    transition:background .25s ease,color .25s ease;
    position:relative;
  }
  .nav-links a:hover{background:rgba(255,255,255,0.15);}
  header.scrolled .nav-links a{color:var(--navy);}
  header.scrolled .nav-links a:hover{background:var(--sky-soft);}
  .nav-links.mobile-open a{color:var(--navy);}
  .nav-links.mobile-open a:hover{background:var(--sky-soft);}
  .nav-right{display:flex;align-items:center;gap:14px;}
  .nav-toggle{
    display:none;
    width:44px;height:44px;
    border-radius:50%;
    background:#fff;
    border:1px solid var(--line);
    align-items:center;justify-content:center;
    flex-direction:column;gap:5px;
  }
  .nav-toggle span{width:18px;height:2px;background:var(--navy);border-radius:2px;transition:transform .3s ease, opacity .3s ease;}
  .nav-toggle.active span:nth-child(1){transform:translateY(7px) rotate(45deg);}
  .nav-toggle.active span:nth-child(2){opacity:0;}
  .nav-toggle.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

  /* ---------------- HERO ---------------- */
  .hero{
    padding:168px 0 90px;
    background:
      radial-gradient(720px 480px at 14% -6%, rgba(183,222,229,0.55) 0%, rgba(183,222,229,0) 60%),
      radial-gradient(680px 460px at 88% 6%, rgba(11,27,43,0.06) 0%, rgba(11,27,43,0) 62%),
      radial-gradient(520px 420px at 60% 34%, rgba(177,89,47,0.05) 0%, rgba(177,89,47,0) 65%),
      var(--cream);
    overflow:hidden;
  }
  .hero-grid{
    display:grid;
    grid-template-columns:1.05fr 0.95fr;
    gap:40px;
    align-items:center;
  }
  .hero h1{
    font-size:clamp(42px,6vw,80px);
    font-weight:600;
    letter-spacing:-0.03em;
    margin-bottom:22px;
    color:var(--heading-muted);
  }
  .hero h1 .accent{color:var(--terracotta);}
  .hero p.lead{
    font-size:19px;
    color:var(--muted);
    max-width:480px;
    margin-bottom:34px;
  }
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:38px;}
  .stars{color:var(--navy);font-size:15px;letter-spacing:2px;}

  /* ---- Centered hero layout ---- */
  .hero-centered{padding:168px 0 110px;}
  .hero-split{
    display:grid;
    grid-template-columns:1fr 1.05fr;
    gap:52px;
    align-items:center;
  }
  .hero-copy-c{max-width:520px;}
  .hero-centered .hero-actions{margin-bottom:30px;}

  /* ---- Explainer graphic: two horizontal carousels of insurers, filtered
         down to a single result card in the center (real continuous motion) ---- */
  .hero-explainer{
    width:100%;
  }
  .exp-panel{
    position:relative;
    height:316px;
    border-radius:32px;
    background:var(--cream-2);
    border:1px solid var(--line);
    overflow:hidden;
  }
  /* Each side is its own clipped lane: icons drift toward the center and
     fade out before reaching it — they never cross into the opposite side.
     The fade is a static overlay (not a mask on the animated content itself) —
     masking animated transforms forces the browser off the fast compositing
     path and is what made the drift look choppy. */
  .exp-side{
    position:absolute;top:0;
    width:44%;height:100%;
    overflow:hidden;
  }
  .exp-side-left{left:0;}
  .exp-side-right{right:0;}
  .exp-fade{
    position:absolute;top:0;bottom:0;
    width:56px;
    z-index:2;
    pointer-events:none;
  }
  .exp-side-left .exp-fade-outer{left:0;background:linear-gradient(90deg,var(--cream-2),transparent);}
  .exp-side-left .exp-fade-inner{right:0;background:linear-gradient(270deg,var(--cream-2),transparent);}
  .exp-side-right .exp-fade-outer{right:0;background:linear-gradient(270deg,var(--cream-2),transparent);}
  .exp-side-right .exp-fade-inner{left:0;background:linear-gradient(90deg,var(--cream-2),transparent);}

  .exp-row{
    position:absolute;left:0;
    display:flex;align-items:center;gap:12px;
    width:max-content;
    transform:translateZ(0);
    will-change:transform;
    backface-visibility:hidden;
  }
  .exp-row-top{top:73px;}
  .exp-row-mid{top:135px;}
  .exp-row-bottom{top:197px;}
  /* left lanes drift rightward (entering from the outer-left edge, toward the card) */
  .exp-side-left .exp-row-top{animation:expDriftRight 20s linear infinite;}
  .exp-side-left .exp-row-mid{animation:expDriftRight 24s linear infinite;}
  .exp-side-left .exp-row-bottom{animation:expDriftRight 22s linear infinite;}
  /* right lanes drift leftward (entering from the outer-right edge, toward the card) */
  .exp-side-right .exp-row-top{animation:expDriftLeft 21s linear infinite;}
  .exp-side-right .exp-row-mid{animation:expDriftLeft 25s linear infinite;}
  .exp-side-right .exp-row-bottom{animation:expDriftLeft 23s linear infinite;}
  @keyframes expDriftRight{from{transform:translateX(-50%) translateZ(0);}to{transform:translateX(0) translateZ(0);}}
  @keyframes expDriftLeft{from{transform:translateX(0) translateZ(0);}to{transform:translateX(-50%) translateZ(0);}}

  .exp-bubble{
    width:46px;height:46px;flex-shrink:0;
    border-radius:50%;
    background:#fff;
    border:1px solid rgba(11,27,43,0.06);
    box-shadow:var(--shadow-soft);
    display:flex;align-items:center;justify-content:center;
    color:var(--navy);
  }
  .exp-bubble svg{width:18px;height:18px;}
  .exp-bubble.dim{opacity:.4;}

  .exp-center{
    position:absolute;top:50%;left:50%;
    transform:translate(-50%,-50%);
    width:308px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:24px;
    box-shadow:var(--shadow-card);
    padding:26px;
    z-index:5;
  }
  .exp-center-mark{
    position:absolute;top:22px;right:24px;
    width:22px;height:16px;
    color:var(--navy);
  }
  .exp-center-head{margin-bottom:16px;}
  .exp-center-head h4{font-size:18px;font-weight:500;color:var(--navy);letter-spacing:-0.01em;margin-bottom:4px;}
  .exp-center-head span{font-size:12px;color:var(--muted);}

  /* Checklist: each criterion ticks itself off as the card enters */
  .exp-criteria{display:flex;flex-direction:column;}
  .exp-crit{
    display:flex;align-items:center;gap:12px;
    padding:11px 0;
    border-top:1px solid var(--cream-2);
  }
  .exp-crit:first-child{border-top:none;padding-top:2px;}
  .exp-check{
    position:relative;
    width:22px;height:22px;flex-shrink:0;
    border-radius:50%;
    border:1.5px solid rgba(11,27,43,0.18);
    background:#fff;
    display:flex;align-items:center;justify-content:center;
  }
  .exp-check svg{width:12px;height:12px;position:relative;}
  .exp-check svg path{fill:none;stroke:#fff;stroke-width:3;stroke-linecap:round;stroke-linejoin:round;}
  .exp-crit-info{flex:1;display:flex;align-items:center;justify-content:space-between;gap:10px;min-width:0;}
  .exp-crit-label{font-size:13.5px;color:var(--navy);font-weight:500;}
  .exp-crit-value{font-size:12.5px;color:var(--muted);font-weight:500;flex-shrink:0;}

  .hero-visual{
    position:relative;
    height:560px;
  }

  /* Background UI panel (Winden-style soft container) */
  .ui-panel{
    position:absolute;
    top:30px;left:0;
    width:78%;
    height:440px;
    background:var(--sky-soft);
    border:1px solid rgba(11,27,43,0.06);
    border-radius:var(--radius-lg);
    padding:26px;
    z-index:1;
  }
  .ui-panel-caption{position:absolute;bottom:26px;left:26px;right:26px;z-index:1;}
  .ui-panel-caption strong{display:block;font-size:15.5px;color:var(--navy);margin-bottom:4px;}
  .ui-panel-caption span{font-size:13px;color:var(--muted);}

  /* Icon grid decoration (aseguradoras aliadas) */
  .ui-icon-grid{
    position:absolute;
    top:0;right:0;
    width:230px;height:230px;
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:10px;
    z-index:0;
    opacity:.9;
  }
  .ui-icon-grid span{
    width:100%;aspect-ratio:1;border-radius:50%;
    background:#fff;
    border:1px solid rgba(11,27,43,0.07);
    display:flex;align-items:center;justify-content:center;
    font-size:12px;font-weight:700;color:var(--muted);
  }
  .ui-icon-grid span:nth-child(5){opacity:0;}

  .ui-chip-float{
    position:absolute;
    top:64px;right:14px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:16px;
    padding:14px 16px;
    box-shadow:var(--shadow-card);
    z-index:2;
    width:172px;
  }
  .ui-chip-float .row{display:flex;align-items:center;justify-content:space-between;margin-bottom:8px;}
  .ui-chip-float span.lbl{font-size:12px;color:var(--muted);}
  .ui-chip-float .ic{width:26px;height:26px;border-radius:8px;background:var(--terracotta-soft);color:var(--terracotta);display:flex;align-items:center;justify-content:center;}
  .ui-chip-float .ic svg{width:14px;height:14px;}
  .ui-bar{height:5px;border-radius:99px;background:rgba(11,27,43,0.08);overflow:hidden;}
  .ui-bar i{display:block;height:100%;width:0%;background:var(--terracotta);border-radius:99px;}

  /* Main mock card */
  .ui-card{
    position:relative;
    z-index:3;
    background:#fff;
    border-radius:var(--radius-md);
    box-shadow:var(--shadow-card);
    padding:22px;
    border:1px solid rgba(11,27,43,0.06);
    margin-top:6px;
  }
  .ui-toprow{display:flex;gap:10px;margin-bottom:18px;}
  .ui-pill{
    flex:1;
    display:flex;align-items:center;gap:10px;
    background:var(--cream-2);
    border-radius:14px;
    padding:10px 12px;
  }
  .ui-pill .ic{
    width:32px;height:32px;border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    background:var(--navy);color:#fff;flex-shrink:0;
  }
  .ui-pill .ic svg{width:15px;height:15px;}
  .ui-pill small{display:block;font-size:10.5px;color:var(--muted);}
  .ui-pill strong{font-size:15px;color:var(--navy);}

  .ui-connector{display:flex;align-items:center;justify-content:center;gap:0;margin:2px 0 14px;position:relative;}
  .ui-connector-line{flex:1;height:1px;background:repeating-linear-gradient(90deg,rgba(11,27,43,0.18) 0 5px, transparent 5px 9px);}
  .ui-connector-btn{
    width:34px;height:34px;border-radius:50%;
    background:var(--terracotta);color:#fff;
    display:flex;align-items:center;justify-content:center;
    margin:0 10px;flex-shrink:0;
    box-shadow:0 8px 18px -6px rgba(177,89,47,0.6);
  }
  .ui-connector-btn svg{width:15px;height:15px;}

  .ui-list{display:flex;flex-direction:column;gap:12px;}
  .ui-row{display:flex;align-items:center;gap:12px;}
  .ui-row .ic{
    width:34px;height:34px;border-radius:10px;flex-shrink:0;
    display:flex;align-items:center;justify-content:center;
    font-size:13px;font-weight:800;
  }
  .ui-row .info{flex:1;min-width:0;}
  .ui-row .info strong{display:block;font-size:14px;color:var(--navy);}
  .ui-row .info small{font-size:12px;color:var(--muted);}
  .ui-row .amount{font-size:13.5px;font-weight:700;color:var(--navy);flex-shrink:0;}
  .ui-row .ui-bar{margin-top:6px;}

  .ui-pillbtn{
    position:absolute;
    left:24px;top:452px;
    z-index:4;
    display:inline-flex;align-items:center;gap:10px;
    background:var(--navy);
    color:#fff;
    padding:13px 20px;
    border-radius:999px;
    box-shadow:var(--shadow-card);
    font-size:13.5px;font-weight:600;
  }
  .ui-pillbtn .spin{width:16px;height:16px;flex-shrink:0;display:flex;}
  .ui-pillbtn .spin svg{width:100%;height:100%;}

  .stat-badge{
    position:absolute;top:0;left:0;
    background:var(--navy);color:#fff;
    padding:18px 22px;border-radius:20px;
    box-shadow:var(--shadow-card);
    z-index:5;
    text-align:left;
  }
  .stat-badge strong{display:block;font-size:26px;font-weight:800;}
  .stat-badge span{font-size:12px;color:var(--sky);}

  /* ---------------- HERO v2 (photo-led, inset frame) ---------------- */
  .hero-v2{padding:16px 0 28px;}
  .hero-v2 .container{max-width:1480px;}
  .hero-v2-wrap{position:relative;}
  .hero-v2-frame{
    position:relative;
    height:760px;
    border-radius:32px;
    overflow:hidden;
    box-shadow:var(--shadow-card);
    background:var(--navy);
  }
  .hero-v2-img{
    position:absolute;inset:0;
    width:100%;height:100%;
    object-fit:cover;
    object-position:62% 38%;
    transform:scale(1.01);
  }
  .hero-v2-overlay{
    position:absolute;inset:0;
    background:linear-gradient(100deg,
      rgba(9,20,32,0.88) 0%,
      rgba(9,20,32,0.62) 32%,
      rgba(9,20,32,0.18) 58%,
      rgba(9,20,32,0) 76%);
  }
  .hero-v2-content-wrap{
    position:absolute;z-index:2;
    top:0;bottom:0;
    left:-14px;right:-14px;
    max-width:var(--container);
    margin:0 auto;
    padding:0 32px;
    display:flex;align-items:center;
  }
  .hero-v2-content{
    max-width:560px;
  }
  .hero-v2-rule-row{display:flex;align-items:center;gap:20px;margin-bottom:2px;}
  .hero-v2-rule-row span:first-child,
  .hero-v2-content h1{
    color:#fff;
    font-size:clamp(38px,5vw,58px);
    font-weight:600;
    letter-spacing:-0.03em;
    line-height:1.08;
  }
  .hero-v2-content h1{margin-bottom:18px;}
  .hero-v2-content h1 .accent{color:var(--sky);}
  .hero-v2-rule{flex:1;max-width:110px;height:1px;background:rgba(255,255,255,0.4);align-self:center;margin-top:6px;}
  .hero-v2-lead{
    color:rgba(255,255,255,0.8);
    font-size:16px;
    max-width:400px;
    margin-bottom:32px;
  }
  .hero-v2-actions{display:flex;gap:14px;flex-wrap:wrap;}

  /* ---------------- FLOATING QUOTE WIDGET (corner button) ---------------- */
  .quote-float{
    position:fixed;bottom:26px;right:26px;
    z-index:900;
  }
  .quote-float-tab{
    position:relative;z-index:1;
    display:flex;align-items:center;gap:10px;
    background:#25D366;color:#fff;border:none;cursor:pointer;
    border-radius:999px;
    padding:13px 22px 13px 13px;
    box-shadow:0 14px 30px -10px rgba(37,211,102,0.6);
    transition:background .35s ease, box-shadow .35s ease, transform .3s ease, color .35s ease;
  }
  .quote-float-tab:hover{transform:translateY(-3px);box-shadow:0 18px 34px -8px rgba(37,211,102,.65);}
  /* while the form panel is open, the trigger steps back to a muted
     "disabled" look so the green submit button inside reads as the
     one real action, instead of two green buttons competing */
  .quote-float.is-open .quote-float-tab{
    background:#CBD1D6;color:#7A828B;
    box-shadow:0 8px 18px -10px rgba(11,27,43,0.25);
  }
  .quote-float.is-open .quote-float-tab:hover{transform:none;box-shadow:0 8px 18px -10px rgba(11,27,43,0.25);}
  .quote-float-tab-ic{
    width:32px;height:32px;flex:0 0 auto;border-radius:50%;
    background:rgba(255,255,255,0.2);
    display:flex;align-items:center;justify-content:center;
  }
  .quote-float-tab-ic svg{width:18px;height:18px;}
  .quote-float-tab-text{font-size:14px;font-weight:650;white-space:nowrap;}

  .quote-float-panel{
    position:absolute;z-index:0;bottom:calc(100% + 16px);right:0;
    width:320px;max-width:calc(100vw - 52px);
    background:linear-gradient(160deg,var(--navy) 0%,var(--navy-soft) 55%,#1E3A52 100%);
    border-radius:22px;
    padding:32px 26px;
    color:#fff;
    box-shadow:var(--shadow-card);
    transform-origin:bottom right;
    transform:scale(0.85) translateY(10px);
    opacity:0;pointer-events:none;
    transition:transform .45s cubic-bezier(.215,.61,.355,1), opacity .3s ease;
  }
  .quote-float.is-open .quote-float-panel{
    transform:scale(1) translateY(0);
    opacity:1;pointer-events:auto;
  }
  .quote-float-panel::after{
    content:'';position:absolute;inset:0;border-radius:22px;
    background:radial-gradient(420px 240px at 100% 0%, rgba(183,220,228,0.16), transparent 60%);
    pointer-events:none;
  }

  .quote-float-head{position:relative;margin-bottom:22px;}
  .quote-float-head h3{font-size:20px;font-weight:500;margin-bottom:8px;}
  .quote-float-head p{color:#AEBBC6;font-size:13.5px;}

  .quote-float-overlay{
    position:fixed;inset:0;background:rgba(9,20,32,0.4);
    opacity:0;pointer-events:none;z-index:840;
    transition:opacity .3s ease;
  }
  .quote-float.is-open ~ .quote-float-overlay{opacity:1;pointer-events:auto;}

  .quote-form{display:flex;flex-direction:column;gap:14px;position:relative;}
  .quote-form .field{display:flex;flex-direction:column;gap:5px;min-width:0;position:relative;}
  .quote-form label{font-size:10.5px;color:var(--sky);font-weight:600;text-transform:uppercase;letter-spacing:.04em;}
  .quote-form input{
    background:rgba(255,255,255,0.08);
    border:1px solid rgba(255,255,255,0.18);
    border-radius:10px;
    padding:11px 13px;
    color:#fff;
    font-size:13.5px;
    outline:none;
    width:100%;
    transition:border-color .25s ease, background .25s ease;
  }
  .quote-form input::placeholder{color:#87939D;}
  .quote-form input:focus{border-color:var(--sky);background:rgba(255,255,255,0.14);}

  /* custom select */
  .qf-select{position:relative;}
  .qf-select-trigger{
    display:flex;align-items:center;justify-content:space-between;gap:10px;
    width:100%;
    background:rgba(255,255,255,0.08);
    border:1px solid rgba(255,255,255,0.18);
    border-radius:10px;
    padding:11px 13px;
    color:#fff;
    font-size:13.5px;font-family:inherit;
    cursor:pointer;
    transition:border-color .25s ease, background .25s ease;
  }
  .qf-select-trigger:hover{background:rgba(255,255,255,0.12);}
  .qf-select.is-open .qf-select-trigger{border-color:var(--sky);background:rgba(255,255,255,0.14);}
  .qf-select-arrow{width:15px;height:15px;flex:0 0 auto;color:var(--sky);transition:transform .3s ease;}
  .qf-select.is-open .qf-select-arrow{transform:rotate(180deg);}
  .qf-select-options{
    position:absolute;bottom:calc(100% + 8px);left:0;right:0;z-index:5;
    background:#fff;
    border-radius:12px;
    padding:6px;
    box-shadow:0 20px 40px -14px rgba(11,27,43,0.45);
    opacity:0;transform:translateY(6px) scale(0.98);pointer-events:none;
    transition:opacity .2s ease, transform .2s ease;
    max-height:220px;overflow-y:auto;
  }
  .qf-select.is-open .qf-select-options{opacity:1;transform:translateY(0) scale(1);pointer-events:auto;}
  .qf-select-options li{
    padding:9px 12px;border-radius:8px;
    font-size:13.5px;color:var(--navy);cursor:pointer;
    transition:background .15s ease;
  }
  .qf-select-options li:hover,.qf-select-options li.is-selected{background:var(--sky-soft);}
  .quote-form button{width:100%;white-space:nowrap;}

  /* ---------------- MARQUEE ---------------- */
  .marquee-section{padding:80px 0 56px;}
  .marquee-section .section-head{margin-bottom:44px;}
  .marquee-label{text-align:center;font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-top:22px;}
  .marquee-wrap{
    overflow:hidden;
    -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
    mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  }
  .marquee-track{
    display:flex;
    gap:44px;
    width:max-content;
    animation:marquee 32s linear infinite;
  }
  .marquee-wrap:hover .marquee-track{animation-play-state:paused;}
  @keyframes marquee{
    from{transform:translateX(0);}
    to{transform:translateX(-33.3333%);}
  }
  .logo-chip{display:flex;align-items:center;}
  .logo-chip img{height:34px;width:auto;max-width:150px;object-fit:contain;filter:grayscale(1) opacity(0.55);transition:filter .3s ease;}
  .logo-chip img:hover{filter:grayscale(0) opacity(1);}

  /* ---------------- SEGUROS: CARD CAROUSEL ---------------- */
  .seguros{padding:120px 0 80px;}
  .fan-controls{display:flex;gap:10px;justify-content:center;margin-top:24px;}
  .fan-controls button{
    width:46px;height:46px;border-radius:50%;
    border:1px solid rgba(255,255,255,0.25);background:rgba(255,255,255,0.06);
    display:flex;align-items:center;justify-content:center;
    backdrop-filter:blur(6px);
    transition:background .25s ease, border-color .25s ease;
  }
  .fan-controls button:hover{background:rgba(255,255,255,0.14);border-color:#fff;}
  .fan-controls svg{width:18px;height:18px;color:#fff;}
  .fan-stage{
    position:relative;isolation:isolate;
    border-radius:32px;
    padding:28px 0;
    background:
      radial-gradient(circle at 12% -15%, rgba(177,89,47,.28), transparent 55%),
      radial-gradient(circle at 90% 115%, rgba(185,222,229,.14), transparent 50%),
      linear-gradient(160deg, var(--navy), var(--navy-soft));
    overflow:hidden;
    box-shadow:var(--shadow-card);
  }
  .fan-stage::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(255,255,255,.08) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
    mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
    pointer-events:none;
  }
  .fan-viewport{
    overflow:hidden;
    perspective:1800px;
    padding:96px 0 64px;
    -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
    mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
  }
  .fan-track{
    display:flex;
    align-items:center;
    gap:22px;
    width:max-content;
    padding:0 26px;
    transform-style:preserve-3d;
    /* The track sits at z=0 of the 3D context, so it was swallowing the clicks
       on whichever half of a tilted card is rotated away from the viewer.
       Let clicks fall through to the cards themselves. */
    pointer-events:none;
  }

  /* arc is computed live in JS relative to the viewport center */
  .fan-card{width:250px;height:330px;flex:0 0 auto;transform-style:preserve-3d;pointer-events:auto;}
  @media (hover:hover) and (pointer:fine){
    .fan-card:hover .fan-card-inner{
      transform:scale(1.03);
      box-shadow:0 30px 56px -18px rgba(0,0,0,0.5);
      filter:brightness(1.03);
    }
  }

  .fan-card-inner{
    position:relative;
    width:100%;height:100%;
    border-radius:24px;
    padding:22px;
    transition:transform .3s ease, box-shadow .35s ease, filter .35s ease;
    display:flex;flex-direction:column;
    overflow:hidden;
    box-shadow:0 26px 50px -20px rgba(0,0,0,0.4);
  }
  .fan-card-top{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;}
  .fan-tag{
    display:inline-flex;align-items:center;
    padding:6px 13px;border-radius:999px;
    font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;
    backdrop-filter:blur(6px);
  }
  .fan-badge{
    width:34px;height:34px;border-radius:50%;flex:0 0 auto;
    display:flex;align-items:center;justify-content:center;
    backdrop-filter:blur(6px);
  }
  .fan-badge svg{width:16px;height:16px;}
  .fan-body{position:relative;z-index:2;margin-top:auto;}
  .fan-body h4{font-size:21px;margin-bottom:8px;letter-spacing:-0.01em;line-height:1.18;}
  .fan-body p{font-size:13px;line-height:1.5;margin-bottom:16px;}
  .fan-more{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:600;}
  .fan-more svg{width:14px;height:14px;transition:transform .3s ease;}
  @media (hover:hover) and (pointer:fine){ .fan-card:hover .fan-more svg{transform:translateX(4px);} }

  /* the non-photo cards get one big centered icon in the middle instead of
     sitting empty */
  .fan-illus{position:relative;z-index:2;flex:1;display:flex;align-items:center;justify-content:center;min-height:0;}
  .fan-illus-main{
    width:76px;height:76px;border-radius:20px;
    background:#fff;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 16px 30px -14px rgba(0,0,0,.35);
  }
  .fan-illus-main svg{width:34px;height:34px;color:var(--terracotta);}

  .fan-navy .fan-card-inner{background:linear-gradient(160deg,var(--navy),var(--navy-soft));color:#fff;}
  .fan-navy .fan-tag,.fan-navy .fan-badge{background:rgba(255,255,255,0.14);color:var(--sky);}
  .fan-navy .fan-body p{color:#AEBBC6;}

  .fan-sky .fan-card-inner{background:var(--sky);color:var(--navy);}
  .fan-sky .fan-tag,.fan-sky .fan-badge{background:rgba(11,27,43,0.1);color:var(--navy);}
  .fan-sky .fan-body p{color:rgba(11,27,43,0.72);}

  .fan-light .fan-card-inner{background:#fff;color:var(--navy);border:1px solid var(--line);box-shadow:0 20px 40px -18px rgba(11,27,43,0.15);}
  .fan-light .fan-tag,.fan-light .fan-badge{background:var(--sky-soft);color:#2E6E7E;}
  .fan-light .fan-body p{color:var(--muted);}

  .fan-photo .fan-card-inner{color:#fff;}
  .fan-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;}
  .fan-photo .fan-scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(180deg, rgba(9,20,32,0.1) 25%, rgba(9,20,32,0.88) 100%);}
  .fan-photo .fan-tag,.fan-photo .fan-badge{background:rgba(255,255,255,0.18);color:#fff;}
  .fan-photo .fan-body p{color:#DCE6EC;}

  /* ---------------- WHY US BENTO ---------------- */
  .whyus{padding:80px 0;background:var(--cream-2);}
  .bento-why{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    grid-auto-rows:230px;
    gap:20px;
  }
  .stat-card{
    position:relative;
    border-radius:26px;
    padding:28px;
    display:flex;flex-direction:column;justify-content:space-between;
    overflow:hidden;
  }
  .why-arrow{
    position:absolute;top:18px;right:18px;z-index:3;
    width:36px;height:36px;border-radius:50%;
    background:rgba(255,255,255,0.14);color:#fff;
    display:flex;align-items:center;justify-content:center;
  }
  .why-arrow svg{width:15px;height:15px;}

  /* why-1: tall photo, spans 2 rows */
  .why-1{
    grid-row:span 2;
    color:#fff;padding:0;justify-content:flex-end;
  }
  .why-1-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:62% 20%;}
  .why-1-scrim{position:absolute;inset:0;background:linear-gradient(180deg, rgba(9,20,32,0.05) 40%, rgba(9,20,32,0.9) 100%);}
  .why-1-content{position:relative;z-index:2;padding:30px;}
  .why-1-content h3{font-size:clamp(26px,2.6vw,34px);font-weight:700;letter-spacing:-0.02em;line-height:1.1;margin-bottom:12px;}
  .why-1-content p{font-size:14px;line-height:1.55;color:#DCE6EC;max-width:420px;}

  /* why-2: big centered number, sky */
  .why-2{
    position:relative;isolation:isolate;
    background:
      radial-gradient(circle at 88% -8%, rgba(11,27,43,.10), transparent 55%),
      linear-gradient(180deg, var(--sky-soft), var(--sky));
    border:none;
    align-items:center;justify-content:center;text-align:center;
  }
  .why-2::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(11,27,43,.12) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    pointer-events:none;
  }
  .why-2 .num{position:relative;z-index:2;font-size:clamp(48px,5.4vw,64px);font-weight:800;letter-spacing:-0.04em;color:var(--navy);line-height:1;}
  .why-2 .label{position:relative;z-index:2;font-size:14px;font-weight:600;color:var(--navy);margin-top:6px;}
  .why-2 .why-desc{position:relative;z-index:2;display:block;font-size:11.5px;line-height:1.45;color:rgba(11,27,43,.6);margin-top:8px;max-width:190px;}

  /* why-3: dark stat with arrow + shield mark */
  .why-3{position:relative;isolation:isolate;background:linear-gradient(160deg,var(--navy),var(--navy-soft));border:none;color:#fff;}
  .why-3::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(255,255,255,.08) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    pointer-events:none;
  }
  .why-3-mark{width:38px;height:38px;border-radius:11px;background:rgba(255,255,255,0.12);display:flex;align-items:center;justify-content:center;color:var(--sky);}
  .why-3-mark svg{width:18px;height:18px;}
  .why-3 .num{position:relative;z-index:2;font-size:clamp(34px,3.6vw,44px);font-weight:800;letter-spacing:-0.03em;color:#fff;line-height:1;margin-top:auto;}
  .why-3 .label{position:relative;z-index:2;font-size:13.5px;font-weight:600;color:#AEBBC6;margin-top:6px;}
  .why-3 .why-desc{position:relative;z-index:2;display:block;font-size:11.5px;line-height:1.45;color:rgba(255,255,255,.5);margin-top:8px;max-width:190px;}

  /* why-4: second photo, atmospheric */
  .why-4{color:#fff;padding:0;justify-content:flex-end;}
  .why-4-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:22% 28%;}
  .why-4-scrim{position:absolute;inset:0;background:linear-gradient(180deg, rgba(9,20,32,0.02) 45%, rgba(9,20,32,0.82) 100%);}
  .why-4-badge{position:absolute;top:16px;right:16px;z-index:3;width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,0.9);color:var(--navy);display:flex;align-items:center;justify-content:center;}
  .why-4-badge svg{width:17px;height:17px;}
  .why-4-content{position:relative;z-index:2;padding:22px;}
  .why-4-title{display:block;font-size:15px;font-weight:700;letter-spacing:-0.01em;margin-bottom:4px;}
  .why-4-desc{display:block;font-size:12px;line-height:1.45;color:#DCE6EC;font-weight:500;}

  /* why-5: centered sand card */
  .why-5{
    position:relative;isolation:isolate;
    background:
      radial-gradient(circle at 88% -8%, rgba(201,132,86,.4), transparent 60%),
      radial-gradient(circle at 8% 112%, rgba(201,132,86,.3), transparent 55%),
      var(--sand-soft);
    border:none;
    align-items:center;justify-content:center;text-align:center;
  }
  .why-5::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(201,132,86,.24) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    pointer-events:none;
  }
  .why-5-icon{position:relative;z-index:2;width:44px;height:44px;border-radius:50%;background:rgba(11,27,43,0.06);display:flex;align-items:center;justify-content:center;color:var(--navy);margin:0 auto 14px;}
  .why-5-icon svg{width:22px;height:22px;}
  .why-5 .num{position:relative;z-index:2;font-size:22px;font-weight:800;color:var(--navy);letter-spacing:-0.02em;}
  .why-5 .label{position:relative;z-index:2;display:block;font-size:12.5px;font-weight:500;line-height:1.45;color:var(--muted);margin-top:8px;max-width:210px;}

  /* ---------------- HOW IT WORKS: simple static layout, one below the other ---------------- */
  .how{padding:120px 0;}
  .how-list{position:relative;display:flex;flex-direction:column;gap:100px;}
  .how-line-svg{position:absolute;top:0;left:0;width:100%;height:100%;pointer-events:none;z-index:0;overflow:visible;}
  .how-line-track{stroke:var(--line);stroke-width:1.5;stroke-dasharray:3 6;}
  .how-line-arrow{
    position:absolute;z-index:1;
    width:22px;height:22px;
    display:flex;align-items:center;justify-content:center;
    color:var(--muted);
    background:var(--cream);
    transform:translate(-50%,-50%);
  }
  .how-line-arrow svg{width:15px;height:15px;}
  .how-step{
    display:grid;
    grid-template-columns:0.85fr 1.15fr;
    gap:64px;
    align-items:center;
  }

  .how-step-visual{
    position:relative;overflow:hidden;
    background:
      radial-gradient(circle at 88% -8%, rgba(11,27,43,.10), transparent 55%),
      linear-gradient(180deg, var(--sky-soft), var(--cream-2));
    border-radius:32px;
    padding:40px;
    min-height:420px;
    display:flex;align-items:center;justify-content:center;
  }
  .how-step-visual::before{
    content:'';position:absolute;inset:0;
    background-image:radial-gradient(rgba(11,27,43,.10) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    pointer-events:none;
  }
  .how-step-visual.visual-navy{background:radial-gradient(circle at 88% -8%, rgba(185,222,229,.14), transparent 55%), linear-gradient(180deg, var(--navy), #142B44);}
  .how-step-visual.visual-navy::before{background-image:radial-gradient(rgba(255,255,255,.09) 1px, transparent 1px);}
  .how-step-visual.visual-sage{background:radial-gradient(circle at 88% -8%, rgba(62,100,120,.18), transparent 55%), linear-gradient(180deg, rgba(62,100,120,.14), var(--cream-2));}
  .how-step-visual.visual-sage::before{background-image:radial-gradient(rgba(62,100,120,.16) 1px, transparent 1px);}

  .how-step-card{
    position:relative;z-index:1;
    background:#fff;
    border:1px solid var(--line);
    border-radius:20px;
    padding:34px;
    box-shadow:0 1px 1px rgba(11,27,43,.04), 0 30px 50px -22px rgba(11,27,43,.28);
    display:flex;flex-direction:column;justify-content:center;
    width:100%;
    min-height:260px;
  }
  .how-step-card::before{
    content:'';position:absolute;top:0;left:24px;right:24px;height:3px;border-radius:0 0 3px 3px;
    background:linear-gradient(90deg, var(--accent, var(--terracotta)), var(--accent, var(--terracotta)) 30%, transparent 100%);
  }
  .how-mock-status{position:absolute;top:20px;right:20px;display:flex;align-items:center;gap:6px;font-size:11px;font-weight:650;color:var(--sage);text-transform:uppercase;letter-spacing:.04em;}
  .how-mock-status .blip{width:6px;height:6px;border-radius:50%;background:#3E9C6E;box-shadow:0 0 0 3px rgba(62,156,110,.18);}

  /* layered card stack: a small dark stat card peeking behind the main white card, both slightly tilted */
  .how-stack{position:relative;width:88%;padding-top:46px;padding-left:30px;}
  .how-stack .how-step-card{position:relative;z-index:2;width:94%;transform:rotate(4deg) translateX(6%);}
  .how-stack-back{
    position:absolute;z-index:1;
    top:-8px;left:-30px;
    width:58%;
    background:var(--navy);color:#fff;
    border-radius:16px;
    padding:18px 20px;
    transform:rotate(-10deg);
    box-shadow:0 24px 40px -18px rgba(11,27,43,.4);
  }
  .how-stack-back .lbl{display:flex;align-items:center;justify-content:space-between;gap:10px;font-size:11.5px;font-weight:650;color:rgba(255,255,255,.7);margin-bottom:3px;}
  .how-stack-back .lbl svg{width:14px;height:14px;color:var(--accent, var(--sky));flex:0 0 auto;animation:howIconPulse 2.4s ease-in-out infinite;}
  @keyframes howIconPulse{
    0%,100%{transform:scale(1);opacity:1;}
    50%{transform:scale(1.28);opacity:.65;}
  }
  .how-stack-back .sub{font-size:10.5px;color:rgba(255,255,255,.45);margin-bottom:10px;}
  .how-stack-back .big{font-size:28px;font-weight:800;letter-spacing:-0.02em;}

  /* step 2: a single standalone card (no card behind it) with a small floating
     stat badge, so it reads differently from the step-1 layered stack */
  .how-step-card.solo{width:84%;transform:rotate(-2deg);}
  .how-card-badge{
    position:absolute;top:-18px;right:22px;z-index:2;
    display:flex;align-items:center;gap:8px;
    background:var(--navy);color:#fff;
    border-radius:14px;padding:10px 16px;
    font-size:11.5px;font-weight:650;
    box-shadow:0 16px 26px -14px rgba(11,27,43,.45);
    animation:howBadgeFloat 2.8s ease-in-out infinite;
  }
  .how-card-badge svg{width:14px;height:14px;color:var(--sky);flex:0 0 auto;animation:howIconPulse 2.4s ease-in-out infinite;}
  .how-card-badge b{font-size:15px;font-weight:800;}
  @keyframes howBadgeFloat{
    0%,100%{transform:rotate(3deg) translateY(0) scale(1);}
    50%{transform:rotate(-1deg) translateY(-10px) scale(1.04);}
  }

  /* step 5: orbit diagram around the brand mark, chips floating like the connected-support network */
  .how-orbit{position:relative;width:100%;height:100%;min-height:340px;display:flex;align-items:center;justify-content:center;}
  .how-orbit-ring{position:absolute;border-radius:50%;border:1px dashed rgba(255,255,255,.24);animation:howOrbitSpin 26s linear infinite;}
  .how-orbit-ring.r1{width:190px;height:190px;}
  .how-orbit-ring.r2{width:290px;height:290px;animation-duration:40s;animation-direction:reverse;}
  @keyframes howOrbitSpin{to{transform:rotate(360deg);}}
  .how-orbit-center{position:relative;z-index:2;width:56px;height:56px;border-radius:16px;background:#fff;color:var(--navy);display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-soft);animation:howOrbitCenterPulse 2.6s ease-in-out infinite;}
  .how-orbit-center svg{width:26px;height:16px;}
  @keyframes howOrbitCenterPulse{
    0%,100%{box-shadow:0 0 0 0 rgba(185,222,229,.35), var(--shadow-soft);}
    50%{box-shadow:0 0 0 10px rgba(185,222,229,0), var(--shadow-soft);}
  }
  .how-orbit-chip{
    position:absolute;z-index:3;
    display:flex;align-items:center;gap:8px;
    background:#fff;border-radius:999px;padding:7px 14px 7px 7px;
    box-shadow:var(--shadow-soft);
    font-size:12px;font-weight:650;color:var(--navy);
    white-space:nowrap;
    animation:howChipFloat 3.4s ease-in-out infinite;
  }
  @keyframes howChipFloat{
    0%,100%{transform:translateY(0) scale(1);}
    50%{transform:translateY(-10px) scale(1.03);}
  }
  .how-orbit-chip b{font-weight:700;color:#fff;background:var(--terracotta);border-radius:999px;padding:3px 9px;font-size:10px;margin-left:2px;}
  .how-orbit-chip b.accent-green{background:var(--green);}
  .how-orbit-chip b.accent-sage{background:var(--sage);}
  .how-orbit-chip .ph{width:24px;height:24px;border-radius:50%;overflow:hidden;flex:0 0 auto;}
  .how-orbit-chip .ph img{width:100%;height:100%;object-fit:cover;}
  .how-orbit-chip .ic{width:24px;height:24px;border-radius:50%;background:var(--terracotta-soft);color:var(--terracotta);display:flex;align-items:center;justify-content:center;flex:0 0 auto;}
  .how-orbit-chip .ic.accent-green{background:var(--green-soft);color:var(--green);}
  .how-orbit-chip .ic.accent-sage{background:var(--sage-soft);color:var(--sage);}
  .how-orbit-chip .ic svg{width:12px;height:12px;}
  .how-orbit-chip.c1{top:12%;left:2%;animation-delay:0s;}
  .how-orbit-chip.c2{bottom:22%;left:-2%;animation-delay:1.3s;}
  .how-orbit-chip.c3{bottom:12%;right:0%;animation-delay:2.6s;}

  .how-note{display:flex;align-items:center;gap:10px;margin-top:20px;padding:10px 12px;border-radius:14px;background:var(--terracotta-soft);}
  .how-note-avatar{width:32px;height:32px;border-radius:50%;overflow:hidden;flex:0 0 auto;border:2px solid #fff;box-shadow:0 2px 6px rgba(11,27,43,.14);}
  .how-note-avatar img{width:100%;height:100%;object-fit:cover;}
  .how-note-avatar.plain{display:flex;align-items:center;justify-content:center;background:var(--terracotta);color:#fff;border:none;}
  .how-note-avatar.plain svg{width:15px;height:15px;}
  .how-note-text{flex:1;min-width:0;font-size:12px;line-height:1.35;color:var(--navy);}
  .how-note-text strong,.how-note-text em{display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
  .how-note-text strong{font-size:12px;font-weight:700;}
  .how-note-text em{color:var(--muted);font-style:italic;}

  /* step 3: a plain-language checklist, not a pricing/plan comparison */
  .how-clarity{display:flex;flex-direction:column;gap:16px;}
  .how-clarity-item{display:flex;align-items:center;gap:12px;}
  .how-clarity-check{width:26px;height:26px;border-radius:50%;background:var(--sky-soft);color:var(--sage);display:flex;align-items:center;justify-content:center;flex:0 0 auto;animation:howCheckPulse 2.8s ease-in-out infinite;}
  .how-clarity-item:nth-child(1) .how-clarity-check{animation-delay:0s;}
  .how-clarity-item:nth-child(2) .how-clarity-check{animation-delay:.4s;}
  .how-clarity-item:nth-child(3) .how-clarity-check{animation-delay:.8s;}
  .how-clarity-item:nth-child(4) .how-clarity-check{animation-delay:1.2s;}
  @keyframes howCheckPulse{
    0%,75%,100%{transform:scale(1);box-shadow:0 0 0 0 rgba(62,100,120,0);}
    85%{transform:scale(1.35);box-shadow:0 0 0 6px rgba(62,100,120,.16);}
  }
  .how-clarity-check svg{width:13px;height:13px;}
  .how-clarity-item span{font-size:14px;font-weight:600;color:var(--navy);}

  .how-step-info{position:relative;z-index:1;}
  .how-step-icon{
    position:relative;z-index:1;
    width:44px;height:44px;border-radius:12px;
    background:var(--sky-soft);border:1px solid var(--line);
    display:flex;align-items:center;justify-content:center;
    color:var(--navy);margin-bottom:20px;
  }
  .how-step-icon svg{width:20px;height:20px;}
  .how-step .n{font-size:12px;font-weight:700;letter-spacing:.06em;color:var(--terracotta);text-transform:uppercase;margin-bottom:8px;display:block;}
  .how-step h4{font-size:clamp(26px,2.6vw,32px);font-weight:700;letter-spacing:-0.02em;margin-bottom:10px;color:var(--navy);}
  .how-step p{font-size:15px;color:var(--muted);max-width:400px;line-height:1.55;}

  /* mock UI pieces used inside .how-step-card */
  .how-mock-head{display:flex;align-items:center;gap:10px;margin-bottom:24px;}
  .how-mock-head strong{font-size:12.5px;font-weight:650;color:var(--navy);}
  .how-mock-head .live{display:flex;align-items:center;gap:6px;margin-left:auto;font-size:10.5px;font-weight:650;color:#3E9C6E;text-transform:uppercase;letter-spacing:.04em;}
  .how-mock-head .live .blip{position:relative;width:6px;height:6px;border-radius:50%;background:#3E9C6E;box-shadow:0 0 0 3px rgba(62,156,110,.18);}
  .how-mock-head .live .blip::after{
    content:'';position:absolute;inset:-3px;border-radius:50%;
    border:1.5px solid #3E9C6E;
    animation:howBlipPing 1.4s ease-out infinite;
  }
  @keyframes howBlipPing{
    0%{transform:scale(0.6);opacity:.9;}
    100%{transform:scale(3.2);opacity:0;}
  }
  .how-mock-field{margin-bottom:16px;}
  .how-mock-field label{display:block;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin-bottom:6px;}
  .how-mock-input{height:38px;border-radius:10px;background:var(--cream-2);border:1px solid var(--line);}
  .how-mock-field.active .how-mock-input{background:#fff;border-color:var(--terracotta);animation:howInputGlow 2.2s ease-in-out infinite;}
  @keyframes howInputGlow{
    0%,100%{box-shadow:0 0 0 3px var(--terracotta-soft);}
    50%{box-shadow:0 0 0 7px rgba(177,89,47,.08);}
  }
  .how-mock-chips{display:flex;gap:8px;flex-wrap:nowrap;margin-top:6px;}
  .how-mock-chips span{flex:0 0 auto;}
  .how-mock-chips span{padding:7px 14px;border-radius:999px;font-size:12.5px;font-weight:600;background:var(--cream-2);border:1px solid var(--line);color:var(--muted);}
  .how-mock-chips span.active{background:var(--navy);border-color:var(--navy);color:#fff;}

  /* step 2: ranked comparison list with donut-ring scores, deliberately unlike the step-1 form card */
  .how-compare-head{display:flex;align-items:center;gap:8px;margin-bottom:16px;font-size:12px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;}
  .how-compare-head svg{width:15px;height:15px;color:var(--sage);}
  .how-compare{display:flex;flex-direction:column;gap:10px;}
  .how-compare-row{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:14px;background:var(--cream-2);}
  .how-compare-row.best{background:var(--terracotta-soft);animation:howBestGlow 2.2s ease-in-out infinite;}
  @keyframes howBestGlow{
    0%,100%{box-shadow:0 0 0 0 rgba(177,89,47,0);}
    50%{box-shadow:0 0 0 9px rgba(177,89,47,.2);}
  }
  .how-compare-rank{width:22px;height:22px;border-radius:50%;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;color:var(--muted);flex:0 0 auto;}
  .how-compare-row.best .how-compare-rank{background:var(--terracotta);border-color:var(--terracotta);color:#fff;}
  .how-compare-name{flex:1;min-width:0;font-size:13.5px;font-weight:650;color:var(--navy);}
  .how-compare-ring{
    position:relative;width:38px;height:38px;border-radius:50%;flex:0 0 auto;
    background:conic-gradient(var(--sage) calc(var(--p)*1%), rgba(11,27,43,.08) 0);
    display:flex;align-items:center;justify-content:center;
    animation:howRingPulse 3s ease-in-out infinite;
  }
  .how-compare-row:nth-child(1) .how-compare-ring{animation-delay:0s;}
  .how-compare-row:nth-child(2) .how-compare-ring{animation-delay:.5s;}
  .how-compare-row:nth-child(3) .how-compare-ring{animation-delay:1s;}
  @keyframes howRingPulse{
    0%,80%,100%{transform:scale(1);}
    90%{transform:scale(1.12);}
  }
  .how-compare-row.best .how-compare-ring{background:conic-gradient(var(--terracotta) calc(var(--p)*1%), rgba(177,89,47,.14) 0);}
  .how-compare-ring::before{content:'';position:absolute;inset:4px;border-radius:50%;background:#fff;}
  .how-compare-ring span{position:relative;font-size:9.5px;font-weight:700;color:var(--navy);}

  .how-mock-doc{text-align:center;}
  .how-mock-doc .stamp{position:relative;width:76px;height:76px;border-radius:50%;background:var(--terracotta-soft);color:var(--terracotta);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;}
  .how-mock-doc .stamp::before,
  .how-mock-doc .stamp::after{
    content:'';position:absolute;inset:0;border-radius:50%;
    border:2px solid currentColor;
    animation:howStampPing 2.2s ease-out infinite;
  }
  .how-mock-doc .stamp::after{animation-delay:1.1s;}
  @keyframes howStampPing{
    0%{transform:scale(1);opacity:.6;}
    100%{transform:scale(1.55);opacity:0;}
  }
  .how-mock-doc .stamp svg{animation:howIconPulse 2.2s ease-in-out infinite;}
  .how-mock-doc .stamp.accent-green{background:var(--green-soft);color:var(--green);}
  .how-mock-doc .stamp svg{width:34px;height:34px;}
  .how-mock-doc strong{display:block;font-size:19px;color:var(--navy);margin-bottom:6px;}
  .how-mock-doc small{color:var(--muted);font-size:13px;letter-spacing:.03em;}
  .how-mock-doc .policy-no{display:inline-block;margin-top:16px;padding:6px 14px;border-radius:8px;background:var(--cream-2);border:1px solid var(--line);font-family:'DM Mono','SF Mono',ui-monospace,monospace;font-size:12px;letter-spacing:.03em;color:var(--navy);}

  /* ---------------- HOW (ACCORDION / HOVER-REVEAL — PRUEBA) ---------------- */
  .how-acc{padding:70px 0 100px;}
  .how-acc-list{display:flex;gap:16px;margin-top:56px;align-items:stretch;}
  .how-acc-item{
    position:relative;isolation:isolate;
    flex:1 1 0%;
    min-width:0;
    background:
      radial-gradient(circle at 88% -8%, rgba(11,27,43,.10), transparent 55%),
      linear-gradient(180deg, var(--sky-soft), var(--cream-2));
    border-radius:24px;
    overflow:hidden;
    min-height:420px;
    padding:26px 24px;
    display:flex;flex-direction:column;
    cursor:default;
    box-shadow:0 1px 1px rgba(11,27,43,.03), 0 20px 40px -26px rgba(11,27,43,.3);
    transition:flex-grow .55s cubic-bezier(.22,1,.36,1), transform .35s ease, box-shadow .35s ease;
  }
  .how-acc-item::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(11,27,43,.10) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    mask-image:radial-gradient(ellipse 75% 65% at 50% 40%, #000 60%, transparent 100%);
    pointer-events:none;
  }
  .how-acc-item:hover,.how-acc-item.is-open{flex-grow:2.4;}
  .how-acc-item:hover{transform:translateY(-5px);box-shadow:0 1px 1px rgba(11,27,43,.04), 0 30px 54px -22px rgba(11,27,43,.4);}

  .how-acc-num{position:relative;z-index:1;font-size:46px;font-weight:800;color:rgba(11,27,43,.2);letter-spacing:-0.02em;line-height:1;}

  /* the illustration sits directly on the card's own dot-grid background
     (no boxed panel behind it) — collapsed to zero height, revealed bigger
     once the item expands */
  .how-acc-visual{
    position:relative;isolation:isolate;
    height:0;opacity:0;overflow:visible;
    margin-top:0;
    display:flex;align-items:center;justify-content:center;
    transition:height .5s cubic-bezier(.22,1,.36,1), opacity .4s ease, margin .5s ease;
  }
  .how-illus-chip{
    width:58px;height:58px;border-radius:16px;
    background:#fff;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 14px 28px -14px rgba(11,27,43,.32);
  }
  .how-illus-chip svg{width:24px;height:24px;color:var(--navy);}

  /* step 1: a support agent icon asks what you need, you check off the answer */
  .how-illus-convo{display:flex;flex-direction:column;align-items:center;gap:12px;}
  .how-illus-chat-row{display:flex;align-items:flex-end;gap:10px;}
  .how-illus-avatar{
    width:38px;height:38px;border-radius:50%;flex-shrink:0;
    background:var(--terracotta);color:#fff;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 8px 16px -8px rgba(177,89,47,.5);
  }
  .how-illus-avatar svg{width:17px;height:17px;animation:howIconPulse 2.4s ease-in-out infinite;}
  .how-illus-bubble{
    position:relative;
    background:#fff;color:var(--navy);
    font-size:13px;font-weight:650;
    padding:12px 18px;border-radius:16px 16px 16px 4px;
    box-shadow:0 12px 24px -14px rgba(11,27,43,.32);
    max-width:180px;
  }
  .how-illus-checklist{display:flex;flex-direction:column;gap:8px;width:200px;}
  .how-illus-checklist .row{display:flex;align-items:center;gap:9px;background:#fff;border-radius:11px;padding:9px 13px;font-size:12.5px;font-weight:650;color:var(--navy);box-shadow:0 8px 16px -12px rgba(11,27,43,.28);}
  .how-illus-checklist .row svg{width:16px;height:16px;flex-shrink:0;}
  .how-illus-checklist .row.on svg{color:var(--terracotta);animation:howCheckPop 2.6s ease-in-out infinite;}
  .how-illus-checklist .row.on:nth-child(1) svg{animation-delay:0s;}
  .how-illus-checklist .row.on:nth-child(2) svg{animation-delay:.35s;}
  .how-illus-checklist .row.off{opacity:.5;}
  .how-illus-checklist .row.off svg{color:rgba(11,27,43,.3);}
  @keyframes howCheckPop{
    0%,75%,100%{transform:scale(1);}
    85%{transform:scale(1.3);}
  }

  /* step 2: scanning through insurers, then settling on and holding the best one —
     each row briefly "lights up" as if being checked, and the winner's highlight
     lands last and holds before the whole cycle resets */
  .how-illus-compare{display:flex;flex-direction:column;gap:9px;width:200px;}
  .how-illus-compare .row{
    position:relative;
    display:flex;align-items:center;gap:10px;
    background:#fff;border-radius:11px;padding:10px 13px;
    box-shadow:0 8px 16px -12px rgba(11,27,43,.28);
    transition:background .3s ease;
  }
  .how-illus-compare .row svg{width:15px;height:15px;color:var(--sage);flex-shrink:0;}
  .how-illus-compare .bar{flex:1;height:7px;border-radius:999px;background:var(--cream-2);overflow:hidden;}
  .how-illus-compare .bar .fill{height:100%;border-radius:999px;background:var(--sage);transform-origin:left;}
  .how-illus-compare .row.best svg{color:var(--green);}
  .how-illus-compare .row.best .bar .fill{background:var(--green);}

  .how-illus-compare .row:nth-child(1){animation:howScanCheck 4.5s ease-in-out infinite;}
  .how-illus-compare .row:nth-child(3){animation:howScanCheck 4.5s ease-in-out infinite;animation-delay:.9s;}
  .how-illus-compare .row.best{animation:howScanPick 4.5s ease-in-out infinite;}
  @keyframes howScanCheck{
    0%,100%{transform:scale(1);box-shadow:0 8px 16px -12px rgba(11,27,43,.28);}
    24%{transform:scale(1.04);box-shadow:0 10px 20px -10px rgba(62,100,120,.4);}
  }
  @keyframes howScanPick{
    0%,42%{transform:scale(1);box-shadow:0 8px 16px -12px rgba(11,27,43,.28);}
    55%,92%{transform:scale(1.05);box-shadow:0 16px 28px -10px rgba(47,125,87,.5);}
    100%{transform:scale(1);box-shadow:0 8px 16px -12px rgba(11,27,43,.28);}
  }

  /* step 3: a short checklist of what makes it "your ideal insurance" */
  .how-illus-ideal{display:flex;flex-direction:column;gap:8px;width:200px;}
  .how-illus-ideal .head{font-size:11px;font-weight:700;color:var(--terracotta);text-transform:uppercase;letter-spacing:.05em;margin-bottom:2px;text-align:left;padding-left:2px;}
  .how-illus-ideal .row{display:flex;align-items:center;gap:9px;background:#fff;border-radius:11px;padding:9px 13px;font-size:12.5px;font-weight:650;color:var(--navy);box-shadow:0 8px 16px -12px rgba(11,27,43,.28);}
  .how-illus-ideal .row svg{width:15px;height:15px;color:var(--green);flex-shrink:0;animation:howCheckPop 2.8s ease-in-out infinite;}
  .how-illus-ideal .row:nth-child(2) svg{animation-delay:0s;}
  .how-illus-ideal .row:nth-child(3) svg{animation-delay:.3s;}
  .how-illus-ideal .row:nth-child(4) svg{animation-delay:.6s;}

  /* step 4: a smooth SVG progress ring (no more pixelated conic-mask edge),
     plus a checkmark badge overlapping it so it doesn't read as too empty */
  .how-illus-progress{position:relative;width:112px;height:112px;display:flex;align-items:center;justify-content:center;}
  .how-illus-progress .ring-svg{position:absolute;inset:0;width:100%;height:100%;transform:rotate(-90deg);}
  .how-illus-progress .ring-svg circle:last-child{animation:howRingProgress 3.4s ease-in-out infinite;}
  @keyframes howRingProgress{
    0%{stroke-dashoffset:276.5;}
    55%,75%{stroke-dashoffset:35;}
    100%{stroke-dashoffset:276.5;}
  }
  .how-illus-progress .how-illus-chip{position:relative;z-index:1;border-radius:50%;width:62px;height:62px;}
  .how-illus-progress .how-illus-chip svg{color:var(--green);}
  .how-illus-progress .badge-check{
    position:absolute;bottom:4px;right:4px;z-index:2;
    width:28px;height:28px;border-radius:50%;
    background:var(--green);color:#fff;
    display:flex;align-items:center;justify-content:center;
    border:3px solid #fff;
    box-shadow:0 8px 16px -8px rgba(47,125,87,.55);
    animation:howBadgePop 3.4s ease-in-out infinite;
  }
  .how-illus-progress .badge-check svg{width:13px;height:13px;}
  @keyframes howBadgePop{
    0%,50%{transform:scale(0);opacity:0;}
    62%,100%{transform:scale(1);opacity:1;}
  }

  /* step 5: no more dark panel — the orbit now sits on the same light card.
     the spin keyframe only animates rotate(), so it was silently dropping
     this ring's translate(-50%,-50%) centering every frame — give it its
     own keyframe that keeps the centering transform alongside the spin */
  .how-mini-orbit{position:relative;width:100%;height:100%;}
  .how-mini-orbit .how-orbit-ring{width:150px;height:150px;top:50%;left:50%;transform:translate(-50%,-50%);border-color:rgba(11,27,43,.16);animation-name:howOrbitSpinCentered;}
  @keyframes howOrbitSpinCentered{to{transform:translate(-50%,-50%) rotate(360deg);}}
  .how-mini-orbit .how-orbit-center{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:76px;height:76px;}
  .how-mini-orbit .how-orbit-center svg{width:36px;height:22px;}
  .how-mini-orbit .how-orbit-chip{font-size:11px;padding:6px 12px 6px 6px;}
  .how-mini-orbit .how-orbit-chip.c1{top:10%;left:2%;}
  .how-mini-orbit .how-orbit-chip.c3{bottom:10%;right:2%;}

  /* icon + title live together as one group: pinned to the bottom of the
     card while collapsed (matching the reference), then the group's own
     top margin collapses on hover so it lands right under the now-tall
     visual instead — the icon always sits directly above the title text,
     whichever one is showing */
  .how-acc-title-group{
    position:relative;z-index:1;
    margin-top:auto;
    transition:margin-top .5s cubic-bezier(.22,1,.36,1);
  }
  .how-acc-item:hover .how-acc-title-group,.how-acc-item.is-open .how-acc-title-group{margin-top:14px;}

  .how-acc-icon{
    width:36px;height:36px;border-radius:10px;
    background:#fff;color:var(--terracotta);
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 6px 14px -6px rgba(11,27,43,.15);
    flex-shrink:0;
  }
  .how-acc-icon svg{width:17px;height:17px;}

  .how-acc-more{
    max-height:0;opacity:0;overflow:hidden;
    transition:max-height .5s cubic-bezier(.22,1,.36,1), opacity .35s ease .05s;
  }
  .how-acc-more h4{font-size:19px;font-weight:700;letter-spacing:-0.01em;margin:10px 0 8px;color:var(--navy);line-height:1.25;}
  .how-acc-more p{font-size:13px;color:var(--muted);line-height:1.55;}

  .how-acc-label{
    display:block;margin-top:10px;
    font-size:16px;font-weight:650;color:var(--navy);
    transition:opacity .3s ease, max-height .3s ease, margin .3s ease;
  }
  .how-acc-item:hover .how-acc-visual,.how-acc-item.is-open .how-acc-visual{height:170px;opacity:1;}
  .how-acc-item:hover .how-acc-more,.how-acc-item.is-open .how-acc-more{max-height:110px;opacity:1;}
  .how-acc-item:hover .how-acc-label,.how-acc-item.is-open .how-acc-label{opacity:0;max-height:0;margin-top:0;}

  /* ---------------- TESTIMONIALS ---------------- */
  .testimonials{padding:100px 0;background:var(--navy);color:#fff;overflow:hidden;}
  .testimonials .section-head p{color:#AEBBC6;}
  .testimonials .section-head h2{color:#fff;}
  .t-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;}
  .testimonials .t-head .section-head{margin-bottom:0;}
  .t-track-wrap{overflow:hidden;margin-top:48px;}
  .t-track{display:flex;gap:22px;width:max-content;}
  .t-card{
    position:relative;isolation:isolate;overflow:hidden;
    width:300px;aspect-ratio:3/4;
    border-radius:var(--radius-md);
    flex-shrink:0;
    display:flex;flex-direction:column;justify-content:flex-end;
    padding:26px;
  }
  .t-card::before{
    content:'';position:absolute;inset:0;z-index:-2;
    background:linear-gradient(155deg, var(--c1), var(--c2));
  }
  .t-card .mono{
    position:absolute;inset:0;z-index:-1;
    display:flex;align-items:center;justify-content:center;
    font-size:180px;font-weight:800;letter-spacing:-0.05em;
    color:rgba(255,255,255,0.12);
    user-select:none;pointer-events:none;
  }
  .t-card::after{
    content:'';position:absolute;inset:0;z-index:0;
    background:linear-gradient(0deg, rgba(6,14,22,.92) 0%, rgba(6,14,22,.35) 46%, rgba(6,14,22,0) 68%);
  }
  .t-card.t-photo .mono{display:none;}
  .t-card.t-photo img{position:absolute;inset:0;z-index:-1;width:100%;height:100%;object-fit:cover;}
  .t-quote-mark{position:relative;z-index:1;font-size:38px;line-height:1;font-weight:800;color:rgba(255,255,255,.85);margin-bottom:6px;}
  .t-card p{position:relative;z-index:1;font-size:15px;color:#fff;line-height:1.5;margin-bottom:18px;}
  .t-who{position:relative;z-index:1;font-size:13px;color:#C7D0D8;}
  .t-who strong{color:#fff;font-weight:650;}
  .t-controls{display:flex;gap:10px;flex-shrink:0;}
  .t-controls button{
    width:46px;height:46px;border-radius:50%;
    border:1px solid rgba(255,255,255,0.25);
    display:flex;align-items:center;justify-content:center;
    transition:background .25s ease, border-color .25s ease;
  }
  .t-controls button:hover{background:rgba(255,255,255,0.1);border-color:#fff;}
  .t-controls svg{width:18px;height:18px;}

  /* ---------------- BLOG ---------------- */
  .blog{padding:120px 0;}
  .blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
  .blog-card{
    border-radius:var(--radius-md);
    overflow:hidden;
    background:#fff;
    border:1px solid var(--line);
    transition:transform .4s ease, box-shadow .4s ease;
  }
  .blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-soft);}
  .blog-img{height:190px;position:relative;overflow:hidden;}
  .blog-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .5s ease;}
  .blog-card:hover .blog-img img{transform:scale(1.05);}
  .blog-img::before{content:'';position:absolute;inset:0;background:linear-gradient(180deg, rgba(11,27,43,0) 55%, rgba(11,27,43,0.55) 100%);}
  .blog-img::after{content:attr(data-label);position:absolute;bottom:14px;left:14px;background:rgba(255,255,255,0.9);padding:6px 12px;border-radius:999px;font-size:11.5px;font-weight:700;color:var(--navy);}
  .blog-body{padding:24px;}
  .blog-cat{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--navy);margin-bottom:10px;display:block;}
  .blog-body h3{font-size:19px;margin-bottom:10px;line-height:1.3;}
  .blog-body p{font-size:14px;color:var(--muted);margin-bottom:16px;}
  .blog-link{font-size:13.5px;font-weight:700;display:inline-flex;align-items:center;gap:6px;}
  .blog-link svg{width:14px;height:14px;}
  .blog-more,.section-more{display:flex;justify-content:center;margin-top:48px;}

  /* ---------------- FAQ ---------------- */
  .faq{padding:100px 0;}
  .faq-list{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:14px 24px;align-items:start;}
  .faq-item{
    background:var(--cream-2);
    border:1px solid var(--line);
    border-radius:var(--radius-sm);
    overflow:hidden;
  }
  .faq-q{
    display:flex;align-items:center;justify-content:space-between;
    padding:22px 26px;
    font-weight:600;font-size:16px;
    cursor:pointer;
  }
  .faq-q .plus{
    width:26px;height:26px;border-radius:50%;
    background:#fff;
    display:flex;align-items:center;justify-content:center;
    flex-shrink:0;margin-left:16px;
    transition:transform .35s ease, background .3s ease;
  }
  .faq-item.open .faq-q .plus{transform:rotate(45deg);background:var(--navy);color:#fff;}
  .faq-a{
    max-height:0;
    overflow:hidden;
    transition:max-height .4s ease;
  }
  .faq-a p{padding:0 26px 22px;color:var(--muted);font-size:14.5px;line-height:1.6;max-width:640px;}

  /* ---------------- CTA FINAL ---------------- */
  .cta-final{padding:40px 0 120px;}
  .cta-card{
    position:relative;isolation:isolate;overflow:hidden;
    background:
      radial-gradient(circle at 12% -15%, rgba(177,89,47,.28), transparent 55%),
      radial-gradient(circle at 90% 115%, rgba(185,222,229,.14), transparent 50%),
      linear-gradient(160deg, var(--navy), var(--navy-soft));
    border-radius:var(--radius-lg);
    padding:80px 40px;
    text-align:center;
  }
  .cta-card::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(255,255,255,.08) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
    mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
  }
  .cta-badge{
    position:relative;display:inline-flex;align-items:center;gap:8px;
    background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);
    border-radius:999px;padding:8px 16px;
    font-size:12.5px;font-weight:650;color:#fff;margin-bottom:22px;
  }
  .cta-badge .blip{width:7px;height:7px;border-radius:50%;background:#3E9C6E;box-shadow:0 0 0 3px rgba(62,156,110,.25);}
  .cta-card h2{color:#fff;font-size:clamp(30px,4.2vw,46px);max-width:640px;margin:0 auto 16px;position:relative;}
  .cta-card p{color:#AEBBC6;font-size:17px;margin-bottom:36px;position:relative;}
  .cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative;}

  /* ---------------- FOOTER ---------------- */
  footer{background:var(--navy);color:#B9C6D0;padding-top:70px;}
  .footer-top{
    display:grid;
    grid-template-columns:1.4fr repeat(4,1fr);
    gap:32px;
    padding-bottom:56px;
    border-bottom:1px solid rgba(255,255,255,0.1);
  }
  .footer-brand img{height:32px;margin-bottom:18px;}
  .footer-brand p{font-size:14px;max-width:260px;color:#8FA0AC;margin-bottom:20px;}
  .socials{display:flex;gap:10px;}
  .socials a{
    width:38px;height:38px;border-radius:50%;
    border:1px solid rgba(255,255,255,0.18);
    display:flex;align-items:center;justify-content:center;
    transition:background .25s ease;
  }
  .socials a:hover{background:rgba(255,255,255,0.1);}
  .socials svg{width:16px;height:16px;}
  .footer-col h5{color:#fff;font-size:14.5px;font-weight:700;margin-bottom:18px;}
  .footer-col ul{display:flex;flex-direction:column;gap:12px;}
  .footer-col a{font-size:14px;color:#8FA0AC;transition:color .25s ease;}
  .footer-col a:hover{color:#fff;}
  .footer-bottom{
    display:flex;justify-content:space-between;align-items:center;
    padding:28px 0;font-size:13px;color:#748592;flex-wrap:wrap;gap:12px;
  }
  .footer-bottom .legal{display:flex;gap:20px;}
  .footer-bottom .legal a:hover{color:#fff;}

  /* ---------------- reveal helpers ---------------- */
  .reveal{opacity:0;transform:translateY(28px);}

  /* ---------------- INNER PAGES (Nosotros, Blog) ---------------- */
  .page-hero{
    position:relative;isolation:isolate;
    padding:170px 0 80px;
    background:
      radial-gradient(circle at 12% -15%, rgba(177,89,47,.28), transparent 55%),
      radial-gradient(circle at 90% 115%, rgba(185,222,229,.14), transparent 50%),
      linear-gradient(160deg, var(--navy), var(--navy-soft));
    overflow:hidden;
  }
  .page-hero::before{
    content:'';position:absolute;inset:0;z-index:-1;
    background-image:radial-gradient(rgba(255,255,255,.08) 1px, transparent 1px);
    background-size:22px 22px;
    -webkit-mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
    mask-image:radial-gradient(ellipse 80% 70% at 50% 35%, #000 55%, transparent 100%);
    pointer-events:none;
  }
  .page-hero .section-head{margin-bottom:0;}
  .page-hero .eyebrow{background:rgba(255,255,255,0.12);border-color:rgba(255,255,255,0.22);color:#fff;}
  .page-hero .eyebrow::before{background:var(--sky);}
  .page-hero .section-head h2{color:#fff;}
  .page-hero .section-head p{color:#AEBBC6;}

  .nos-section{padding:90px 0;}

  .nos-historia{display:grid;grid-template-columns:0.85fr 1.15fr;gap:64px;align-items:center;}
  .nos-historia-media{
    position:relative;border-radius:var(--radius-lg);overflow:hidden;
    aspect-ratio:4/5;box-shadow:var(--shadow-card);
  }
  .nos-historia-media img{width:100%;height:100%;object-fit:cover;}
  .nos-historia-content .eyebrow{margin-bottom:18px;}
  .nos-historia-content h2{font-size:clamp(28px,3.2vw,38px);font-weight:650;letter-spacing:-0.01em;margin-bottom:22px;color:var(--navy);}
  .nos-historia-content p{font-size:15.5px;line-height:1.75;color:var(--muted);margin-bottom:18px;}
  .nos-historia-content p:last-child{margin-bottom:0;}

  .nos-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;max-width:960px;margin:0 auto;}
  .nos-card{
    position:relative;isolation:isolate;overflow:hidden;
    background:#fff;
    border:1px solid var(--line);
    border-radius:var(--radius-md);
    padding:40px 36px;
    box-shadow:0 24px 44px -30px rgba(11,27,43,0.25);
    transition:transform .35s ease, box-shadow .35s ease;
  }
  .nos-card:hover{transform:translateY(-4px);box-shadow:0 28px 50px -26px rgba(11,27,43,0.3);}
  .nos-card::before{content:'';position:absolute;top:0;left:0;right:0;height:5px;}
  .nos-card-mision::before{background:var(--terracotta);}
  .nos-card-vision::before{background:var(--navy);}
  .nos-card .nos-card-icon{
    width:56px;height:56px;border-radius:16px;
    display:flex;align-items:center;justify-content:center;
    margin-bottom:22px;
  }
  .nos-card-mision .nos-card-icon{background:var(--terracotta-soft);color:var(--terracotta);}
  .nos-card-vision .nos-card-icon{background:var(--sky-soft);color:var(--navy);}
  .nos-card .nos-card-icon svg{width:26px;height:26px;}
  .nos-card h3{font-size:24px;font-weight:700;margin-bottom:12px;color:var(--navy);letter-spacing:-0.01em;}
  .nos-card p{font-size:14.5px;line-height:1.7;color:var(--muted);}

  .partners-grid{
    display:grid;grid-template-columns:repeat(4,1fr);gap:18px;
    max-width:1040px;margin:0 auto;
  }
  .partner-logo{
    background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);
    padding:22px;min-height:96px;
    display:flex;align-items:center;justify-content:center;
    transition:box-shadow .3s ease, transform .3s ease;
  }
  .partner-logo:hover{box-shadow:var(--shadow-soft);transform:translateY(-3px);}
  .partner-logo img{max-height:38px;max-width:100%;width:auto;object-fit:contain;}

  /* ---------------- RESPONSIVE ---------------- */
  @media (max-width:1080px){
    .faq-list{grid-template-columns:1fr;}
    .hero-grid{grid-template-columns:1fr;}
    .hero-split{grid-template-columns:1fr;gap:56px;}
    .hero-copy-c{max-width:100%;text-align:center;margin:0 auto;}
    .hero-copy-c .lead{margin-left:auto;margin-right:auto;}
    .hero-centered .hero-actions{justify-content:center;}
    .hero-visual{height:560px;max-width:480px;margin:0 auto;transform:scale(0.92);transform-origin:top center;}
    .quote-float-panel{width:300px;}
    .fan-card{width:210px;height:280px;}
    .fan-card-inner{padding:18px;}
    .fan-body h4{font-size:18px;}
    .fan-body p{font-size:12px;}
    .bento-why{grid-template-columns:repeat(2,1fr);}
    .why-1{grid-column:span 2;grid-row:span 1;height:320px;}
    .how-list{gap:70px;}
    .how-step{grid-template-columns:1fr;gap:28px;}
    .how-step-visual{min-height:320px;padding:28px;}
    /* hover doesn't work reliably on touch, so below desktop every item
       just stays expanded and stacks vertically instead of relying on it */
    .how-acc-list{flex-direction:column;}
    .how-acc-item{flex-grow:1 !important;min-height:auto;}
    .how-acc-visual{height:230px !important;opacity:1 !important;}
    .how-acc-more{max-height:400px !important;opacity:1 !important;}
    .how-acc-label{display:none;}
    /* stacked cards: nothing should move on tap/hover (no lift, no re-spacing) */
    .how-acc-item:hover{transform:none;box-shadow:0 1px 1px rgba(11,27,43,.03), 0 20px 40px -26px rgba(11,27,43,.3);}
    .how-acc-title-group{margin-top:14px !important;}
    .footer-top{grid-template-columns:repeat(3,1fr);}
    .footer-brand{grid-column:span 3;}
    .hero-v2-frame{height:680px;}
    .hero-v2-content-wrap{padding:0 24px;}
    .hero-v2-content{max-width:480px;}
  }
  @media (max-width:760px){
    .page-hero{padding:130px 0 56px;}
    .nos-section{padding:64px 0;}
    .nos-historia{grid-template-columns:1fr;gap:32px;}
    .nos-historia-media{aspect-ratio:3/2;}
    .nos-grid{grid-template-columns:1fr;}
    .partners-grid{grid-template-columns:repeat(2,1fr);}
    .container{padding:0 20px;}
    .logo{height:60px;}
    .logo img{height:60px;}
    .logo .logo-dark{height:128px;}
    .nav-links{display:none;}
    .nav-toggle{display:flex;}
    .nav-right .btn{display:none;}
    .hero{padding:130px 0 60px;}
    .hero-actions{flex-direction:column;align-items:flex-start;}
    .hero-actions .btn{width:100%;}
    .hero-visual{display:none;}
    .hero-v2{padding:12px 0 24px;}
    .hero-v2 .container{padding:0 10px;}
    .hero-v2-wrap{padding:0;}
    .hero-v2-frame{height:auto;min-height:480px;}
    .hero-v2-overlay{background:linear-gradient(0deg, rgba(9,20,32,0.96) 0%, rgba(9,20,32,0.68) 34%, rgba(9,20,32,0.22) 58%, rgba(9,20,32,0) 74%);}
    .hero-v2-content-wrap{padding:0 28px 34px;align-items:flex-end;}
    .hero-v2-content{max-width:100%;}
    .hero-v2-rule{display:none;}
    .hero-v2-rule-row span:first-child,
    .hero-v2-content h1{font-size:30px;line-height:1.14;}
    .hero-v2-content h1{margin-bottom:12px;}
    .hero-v2-lead{font-size:14.5px;margin-bottom:22px;}
    .hero-v2-actions{flex-direction:column;align-items:flex-start;}
    .hero-v2-actions .btn{width:auto;padding:5px 5px 5px 20px;font-size:13.5px;gap:10px;}
    .hero-v2-actions .btn .btn-ic{width:29px;height:29px;}
    .hero-v2-actions .btn .btn-ic svg{width:12px;height:12px;}
    .hero-centered .hero-actions{align-items:center;}
    .hero-explainer{max-width:100%;margin-top:44px;}
    .exp-panel{height:300px;}
    .exp-side{width:38%;}
    .exp-row-mid{display:none;}
    .exp-row-top{top:36px;}
    .exp-row-bottom{top:104px;}
    .exp-bubble{width:42px;height:42px;}
    .exp-bubble svg{width:17px;height:17px;}
    .exp-fade{width:36px;}
    .exp-center{width:258px;padding:20px;}
    .exp-center-head h4{font-size:16px;}
    .exp-criteria{gap:11px;}
    .exp-crit-label{font-size:12.5px;}
    .quote-float{bottom:18px;right:16px;}
    .quote-float-tab{padding:10px 16px 10px 10px;gap:8px;}
    .quote-float-tab-ic{width:28px;height:28px;}
    .quote-float-tab-ic svg{width:16px;height:16px;}
    .quote-float-tab-text{font-size:13px;}
    .quote-float-panel{padding:26px 22px;max-width:calc(100vw - 32px);bottom:calc(100% + 12px);}
    .fan-viewport{overflow:hidden;padding:40px 0 64px;}
    .fan-track{padding:0 20px;}
    .fan-card{width:250px;height:330px;}
    .fan-card-inner{padding:22px;}
    .fan-body h4{font-size:21px;}
    .fan-body p{font-size:13px;}
    .bento-why{grid-template-columns:1fr;grid-auto-rows:auto;}
    .why-1,.why-2,.why-3,.why-4,.why-5{grid-column:span 1;grid-row:span 1;min-height:220px;height:auto;}
    .how-step{margin-bottom:24px;}
    .how-step-card{padding:24px;min-height:240px;}
    .how-stack{width:92%;padding-top:34px;padding-left:20px;}
    .how-stack .how-step-card{transform:rotate(3deg) translateX(5%);}
    .how-stack-back{top:-6px;left:-20px;padding:14px 16px;}
    .how-stack-back .big{font-size:22px;}
    .how-orbit{min-height:280px;}
    .how-orbit-ring.r1{width:150px;height:150px;}
    .how-orbit-ring.r2{width:230px;height:230px;}
    .how-orbit-chip{font-size:11px;padding:6px 12px 6px 6px;}
    .how-step-icon{width:36px;height:36px;margin-bottom:14px;}
    .how-step-icon svg{width:15px;height:15px;}
    .how-step h4{font-size:23px;}
    .how-mock-plans{flex-direction:column;gap:12px;}
    .how-acc-visual{height:200px !important;}
    .t-head{flex-direction:column;align-items:flex-start;gap:20px;}
    .t-card{width:260px;}
    .blog-grid{grid-template-columns:1fr;}
    .cta-card{padding:56px 24px;}
    .footer-top{grid-template-columns:1fr;}
    .footer-brand{grid-column:span 1;}
    .footer-bottom{flex-direction:column;align-items:flex-start;}
  }

  @media (prefers-reduced-motion: reduce){
    .how-mock-head .live .blip::after,
    .how-card-badge,
    .how-card-badge svg,
    .how-orbit-ring,
    .how-orbit-chip,
    .how-orbit-center,
    .how-compare-row.best,
    .how-compare-ring,
    .how-clarity-check,
    .how-stack-back .lbl svg,
    .how-mock-field.active .how-mock-input,
    .how-mock-doc .stamp::before,
    .how-mock-doc .stamp::after,
    .how-mock-doc .stamp svg,
    .how-illus-avatar svg,
    .how-illus-checklist .row.on svg,
    .how-illus-ideal .row svg,
    .how-illus-compare .row,
    .how-illus-progress .ring-svg circle:last-child,
    .how-illus-progress .badge-check{
      animation:none;
    }
  }

  /* ---------------- SEGUROS: MENÚ DESPLEGABLE ---------------- */
  .nav-item{position:relative;display:flex;align-items:center;}
  .nav-mega-trigger{display:inline-flex;align-items:center;gap:6px;}
  .nav-mega-trigger svg{width:14px;height:14px;transition:transform .25s ease;}
  .mega{
    position:absolute;top:100%;left:50%;
    width:min(840px,calc(100vw - 40px));
    padding-top:18px;
    opacity:0;visibility:hidden;
    transform:translate(-50%,8px);
    transition:opacity .22s ease, transform .22s ease, visibility 0s linear .22s;
  }
  .mega-inner{
    background:#fff;
    border:1px solid var(--line);
    border-radius:var(--radius-md);
    box-shadow:0 30px 60px -24px rgba(11,27,43,0.38);
    padding:24px;
    display:grid;grid-template-columns:repeat(3,1fr);gap:8px 24px;
  }
  .mega-col h6{
    font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    color:var(--terracotta);
    padding:0 10px 10px;margin-bottom:6px;
    border-bottom:1px solid var(--line);
  }
  .mega-col ul{display:flex;flex-direction:column;gap:1px;}
  .nav-links .mega a{
    display:block;
    padding:8px 10px;border-radius:10px;
    font-size:13.5px;font-weight:500;line-height:1.3;
    color:var(--navy);
  }
  .nav-links .mega a:hover{background:var(--sky-soft);}
  .nav-links .mega a.is-current{background:var(--sky-soft);font-weight:700;}
  .nav-links .mega .mega-all{
    grid-column:1/-1;
    display:inline-flex;align-items:center;gap:8px;justify-self:start;
    margin-top:6px;padding:10px 14px;
    font-weight:600;color:var(--terracotta);
  }
  .mega-all svg{width:15px;height:15px;transition:transform .25s ease;}
  .mega-all:hover svg{transform:translateX(3px);}
  @media (min-width:1001px){
    .has-mega:hover .mega,
    .has-mega:focus-within .mega{
      opacity:1;visibility:visible;transform:translate(-50%,0);
      transition-delay:0s;
    }
    .has-mega:hover .nav-mega-trigger svg,
    .has-mega:focus-within .nav-mega-trigger svg{transform:rotate(180deg);}
  }

  /* ---------------- SEGUROS: PÁGINA DE CADA SEGURO ---------------- */
  .sg-hero{padding:150px 0 80px;}
  .sg-hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;}
  .sg-crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:13px;color:#8FA0AC;margin-bottom:22px;}
  .sg-crumbs a{color:#B9C6CF;transition:color .2s ease;}
  .sg-crumbs a:hover{color:#fff;}
  .sg-crumbs span[aria-current]{color:#fff;}
  .sg-hero h1{font-size:clamp(34px,4.6vw,58px);font-weight:650;color:#fff;margin-bottom:18px;}
  .sg-lead{font-size:18px;line-height:1.6;color:#AEBBC6;max-width:560px;margin-bottom:32px;}
  .sg-hero-actions{display:flex;flex-wrap:wrap;gap:14px;}
  .sg-hero-media{
    position:relative;border-radius:var(--radius-lg);overflow:hidden;
    aspect-ratio:4/3;box-shadow:0 30px 60px -24px rgba(0,0,0,.55);
    border:1px solid rgba(255,255,255,.14);
  }
  .sg-hero-media img{width:100%;height:100%;object-fit:cover;}
  .sg-hero-icon{
    display:flex;align-items:center;justify-content:center;
    background:
      radial-gradient(circle at 30% 20%, rgba(185,222,229,.22), transparent 55%),
      linear-gradient(160deg, rgba(255,255,255,.10), rgba(255,255,255,.03));
    backdrop-filter:blur(6px);
  }
  .sg-hero-icon-main{
    width:132px;height:132px;border-radius:36px;
    background:#fff;color:var(--terracotta);
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 26px 50px -18px rgba(0,0,0,.5);
  }
  .sg-hero-icon-main svg{width:60px;height:60px;}
  .sg-hero-icon-tag{
    position:absolute;left:20px;bottom:20px;
    padding:7px 14px;border-radius:999px;
    font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    background:rgba(255,255,255,.14);color:var(--sky);
  }

  .sg-section{padding:84px 0;}
  .sg-section .section-head{margin-bottom:40px;}
  .sg-alt{background:var(--cream-2);}
  .sg-two{display:grid;grid-template-columns:1fr 1fr;gap:28px;}
  .sg-card{
    background:#fff;border:1px solid var(--line);border-radius:var(--radius-md);
    padding:36px 34px;box-shadow:0 24px 44px -30px rgba(11,27,43,.25);
  }
  .sg-card-icon{
    width:52px;height:52px;border-radius:16px;margin-bottom:20px;
    display:flex;align-items:center;justify-content:center;
    background:var(--terracotta-soft);color:var(--terracotta);
  }
  .sg-card-icon-alt{background:var(--sky-soft);color:var(--navy);}
  .sg-card-icon svg{width:24px;height:24px;}
  .sg-card h2,.sg-card h3{font-size:22px;font-weight:700;letter-spacing:-0.01em;color:var(--navy);margin-bottom:12px;line-height:1.2;}
  .sg-card p{font-size:15.5px;line-height:1.7;color:var(--muted);}

  .sg-grid,.sg-list{display:grid;gap:14px;}
  .sg-grid{grid-template-columns:repeat(3,1fr);}
  .sg-list{grid-template-columns:repeat(2,1fr);}
  .sg-grid li,.sg-list li{
    display:flex;align-items:flex-start;gap:14px;
    background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);
    padding:18px 20px;font-size:15px;line-height:1.5;color:var(--navy);
  }
  .sg-check{
    flex:0 0 auto;width:26px;height:26px;border-radius:50%;margin-top:-1px;
    display:flex;align-items:center;justify-content:center;
    background:var(--green-soft);color:var(--green);
  }
  .sg-check svg{width:14px;height:14px;}
  .sg-para{
    background:#fff;border:1px solid var(--line);border-radius:var(--radius-md);
    padding:28px 30px;font-size:16px;line-height:1.7;color:var(--navy);max-width:820px;
  }
  .sg-note{
    display:flex;gap:14px;align-items:flex-start;
    margin-top:18px;padding:18px 22px;border-radius:var(--radius-sm);
    background:var(--sky-soft);border:1px solid rgba(11,27,43,.08);
    font-size:14.5px;line-height:1.6;color:var(--navy);
  }
  .sg-note-ic{flex:0 0 auto;margin-top:1px;color:#2E6E7E;}
  .sg-note-ic svg{width:20px;height:20px;}
  .sg-disclaimer{margin-top:28px;font-size:13.5px;line-height:1.6;color:var(--muted);max-width:760px;}
  .sg-cta{padding-top:84px;}

  .sg-rel{padding-bottom:110px;}
  .sg-rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
  .sg-rel-card{
    display:flex;flex-direction:column;
    background:#fff;border:1px solid var(--line);border-radius:var(--radius-md);
    padding:28px;box-shadow:0 20px 40px -30px rgba(11,27,43,.25);
    transition:transform .3s ease, box-shadow .3s ease;
  }
  .sg-rel-card:hover{transform:translateY(-4px);box-shadow:0 28px 50px -26px rgba(11,27,43,.32);}
  .sg-rel-ic{
    width:46px;height:46px;border-radius:14px;margin-bottom:18px;
    display:flex;align-items:center;justify-content:center;
    background:var(--sky-soft);color:var(--navy);
  }
  .sg-rel-ic svg{width:22px;height:22px;}
  .sg-rel-card h3{font-size:19px;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.25;}
  .sg-rel-card p{font-size:14px;line-height:1.6;color:var(--muted);margin-bottom:18px;}
  .sg-rel-more{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-size:13.5px;font-weight:600;color:var(--terracotta);}
  .sg-rel-more svg{width:14px;height:14px;transition:transform .3s ease;}
  .sg-rel-card:hover .sg-rel-more svg{transform:translateX(4px);}

  .fan-card:focus-visible{outline:3px solid var(--sky);outline-offset:4px;border-radius:26px;}

  @media (max-width:1080px){
    .sg-hero-grid{grid-template-columns:1fr;gap:40px;}
    .sg-hero-media{max-width:560px;aspect-ratio:16/10;}
    .sg-grid{grid-template-columns:repeat(2,1fr);}
    .sg-rel-grid{grid-template-columns:repeat(2,1fr);}
  }
  @media (max-width:760px){
    .sg-hero{padding:120px 0 52px;}
    .sg-lead{font-size:16px;}
    .sg-hero-actions .btn{width:100%;}
    .sg-section{padding:60px 0;}
    .sg-two,.sg-list,.sg-grid,.sg-rel-grid{grid-template-columns:1fr;}
    .sg-card{padding:28px 24px;}
    .sg-cta{padding-top:60px;}
    .sg-rel{padding-bottom:80px;}
  }
  @media (prefers-reduced-motion: reduce){
    .reveal{opacity:1;transform:none;}
  }
  .sg-section .section-head{max-width:900px;}
  /* Seguros carousel: tile más compacto con aire arriba/abajo (los textos de 4 líneas
     lo dejaban pegado a la etiqueta), y visible también sobre las tarjetas blancas */
  .fan-illus{padding:10px 0;}
  .fan-illus-main{width:60px;height:60px;border-radius:18px;}
  .fan-illus-main svg{width:28px;height:28px;}
  .fan-light .fan-illus-main{background:var(--sky-soft);box-shadow:0 14px 26px -16px rgba(11,27,43,.28);}
  @media (max-width:1080px) and (min-width:761px){
    .fan-card{width:236px;height:320px;}
  }

  /* ---------------- MENÚ: botón "Pagar seguros" junto a "Cotizar ahora" + colapso a hamburguesa hasta 1000px ---------------- */
  .nav-pay-btn{
    display:inline-flex;align-items:center;
    padding:10px 18px;border-radius:999px;
    font-size:14px;font-weight:600;white-space:nowrap;
    color:var(--navy);background:var(--sky);
    border:1.5px solid rgba(11,27,43,.12);
    box-shadow:0 10px 22px -10px rgba(11,27,43,.45);
    transition:background .25s ease, transform .25s ease, box-shadow .25s ease;
  }
  .nav-pay-btn:hover{background:#9FD0DC;transform:translateY(-2px);box-shadow:0 14px 26px -10px rgba(11,27,43,.5);}
  @media (max-width:1180px){
    .nav-links a{padding:10px 12px;}
    .nav-links{gap:2px;}
  }
  @media (max-width:1000px){
    .nav-links{display:none;}
    .nav-toggle{display:flex;}
    .nav-right .btn{display:none;}

    /* panel del menú abierto: "Seguros" como acordeón y scroll si no cabe */
    .nav-links.mobile-open{max-height:calc(100vh - 100px);overflow-y:auto;align-items:stretch;}
    .nav-item{display:block;position:static;}
    .nav-mega-trigger{display:flex;justify-content:space-between;}
    .mega{position:static;width:auto;padding:0;opacity:1;visibility:visible;transform:none;transition:none;display:none;}
    .has-mega.open .mega{display:block;}
    .has-mega.open .nav-mega-trigger svg{transform:rotate(180deg);}
    .mega-inner{box-shadow:none;border:0;background:transparent;padding:2px 4px 8px;grid-template-columns:1fr;gap:6px;}
    .mega-col h6{border-bottom:0;padding-bottom:4px;margin-top:8px;}
  }

  /* ---------------- POPUP "PAGAR SEGUROS" ---------------- */
  body.pay-open{overflow:hidden;}
  .pay-modal{
    position:fixed;inset:0;z-index:3000;
    display:flex;align-items:center;justify-content:center;
    padding:20px;
    opacity:0;visibility:hidden;
    transition:opacity .25s ease, visibility 0s linear .25s;
  }
  .pay-modal.is-open{opacity:1;visibility:visible;transition-delay:0s;}
  .pay-backdrop{position:absolute;inset:0;background:rgba(9,20,32,.62);backdrop-filter:blur(4px);}
  .pay-panel{
    position:relative;
    width:min(560px,100%);max-height:calc(100vh - 40px);overflow-y:auto;
    background:#fff;border-radius:var(--radius-lg);
    padding:34px 32px 28px;
    box-shadow:0 40px 90px -30px rgba(0,0,0,.6);
    transform:translateY(16px) scale(.98);
    transition:transform .3s cubic-bezier(.215,.61,.355,1);
  }
  .pay-modal.is-open .pay-panel{transform:none;}
  .pay-close{
    position:absolute;top:16px;right:16px;
    width:38px;height:38px;border-radius:50%;
    display:flex;align-items:center;justify-content:center;
    background:var(--sky-soft);color:var(--navy);
    transition:background .2s ease, transform .2s ease;
  }
  .pay-close:hover{background:var(--sky);transform:rotate(90deg);}
  .pay-close svg{width:18px;height:18px;}
  .pay-head{padding-right:40px;margin-bottom:22px;}
  .pay-head .eyebrow{margin-bottom:14px;}
  .pay-head h3{font-size:26px;font-weight:650;color:var(--navy);margin-bottom:8px;letter-spacing:-0.02em;}
  .pay-head p{font-size:14.5px;line-height:1.6;color:var(--muted);}
  .pay-list{display:flex;flex-direction:column;gap:10px;}
  .pay-item{
    display:grid;grid-template-columns:96px 1fr auto;align-items:center;gap:16px;
    padding:12px 14px 12px 12px;
    border:1px solid var(--line);border-radius:var(--radius-sm);
    transition:border-color .25s ease, box-shadow .25s ease;
  }
  .pay-item:hover{border-color:rgba(11,27,43,.28);box-shadow:var(--shadow-soft);}
  .pay-logo{
    height:56px;border-radius:10px;background:var(--cream);
    display:flex;align-items:center;justify-content:center;padding:8px 10px;
  }
  .pay-logo img{max-height:100%;max-width:100%;width:auto;height:auto;object-fit:contain;}
  .pay-name{font-size:15.5px;font-weight:600;color:var(--navy);line-height:1.25;}
  .pay-go svg{width:15px;height:15px;}
  .pay-help{margin-top:20px;font-size:13px;color:var(--muted);}
  .pay-help a{color:var(--terracotta);font-weight:600;text-decoration:underline;text-underline-offset:3px;}
  @media (max-width:560px){
    .pay-modal{align-items:flex-end;padding:0;}
    .pay-panel{
      width:100%;max-height:90vh;
      border-radius:24px 24px 0 0;
      padding:12px 16px calc(18px + env(safe-area-inset-bottom));
    }
    .pay-panel::before{
      content:'';display:block;width:40px;height:4px;border-radius:4px;
      background:rgba(11,27,43,.16);margin:0 auto 16px;
    }
    .pay-close{top:14px;right:12px;width:36px;height:36px;}
    .pay-head{padding-right:44px;margin-bottom:16px;}
    .pay-head .eyebrow{margin-bottom:10px;padding:6px 12px;font-size:11px;}
    .pay-head h3{font-size:21px;margin-bottom:6px;}
    .pay-head p{font-size:13.5px;line-height:1.5;}
    .pay-list{gap:8px;}
    /* one compact row per insurer: logo | name | button */
    .pay-item{grid-template-columns:64px 1fr auto;gap:12px;padding:8px 8px 8px 8px;}
    .pay-logo{height:46px;padding:6px 8px;}
    .pay-name{font-size:14.5px;}
    .pay-item .pay-go{padding:9px 14px;font-size:13px;gap:6px;}
    .pay-go svg{width:14px;height:14px;}
    .pay-help{margin-top:14px;font-size:12.5px;line-height:1.5;}
  }
  @media (max-width:360px){
    .pay-item{grid-template-columns:54px 1fr auto;gap:10px;}
    .pay-logo{height:42px;padding:5px 6px;}
    .pay-name{font-size:13.5px;}
    .pay-item .pay-go{padding:8px 12px;}
    .pay-go svg{display:none;}
  }
  @media (prefers-reduced-motion: reduce){
    .pay-modal,.pay-panel{transition:none;}
  }

  @media (max-width:760px){
    .nav-right{gap:10px;}
    .nav-pay-btn{padding:8px 14px;font-size:13px;}
  }
  @media (max-width:340px){
    .nav-pay-more{display:none;}
  }
  .nav-pay-more{margin-left:.3em;}