:root{
  --bg:#eff3fb;
  --bg-dark:#3c5384;
  --bg-darker:#24355c;
  --bg-soft:#d7deee;
  --card:#ffffff;
  --text:#24304d;
  --muted:#667597;
  --line:rgba(39,61,105,.14);
  --primary:#3e5588;
  --primary-2:#a8afc8;
  --accent:#5d79b5;
  --white:#fff;
  --shadow:0 18px 60px rgba(28,42,75,.16);
  --shadow-soft:0 12px 36px rgba(25,36,62,.14);
  --radius:28px;
  --radius-sm:18px;
  --container:min(1180px, calc(100vw - 40px));
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,sans-serif;color:var(--text);background:var(--bg);overflow-x:hidden}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
body.menu-open{overflow:hidden}
.container{width:var(--container);margin:0 auto}
.section-dark{background:linear-gradient(180deg,#e9eef9 0%, #d8e0ef 30%, #ced8ea 100%)}
.section-light{background:var(--bg)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--primary);margin-bottom:16px}
.eyebrow::before{content:'';width:28px;height:2px;background:currentColor;display:block}
h1,h2,h3{font-family:'Montserrat',sans-serif;margin:0;color:#22314e}
p{margin:0;color:var(--muted);line-height:1.65}
.page-loader{position:fixed;inset:0;display:grid;place-items:center;background:rgba(239,243,251,.96);z-index:999;transition:.4s}
.page-loader span{width:56px;height:56px;border-radius:50%;border:3px solid rgba(62,85,136,.18);border-top-color:var(--primary);animation:spin 1s linear infinite}
.page-loader.is-hidden{opacity:0;visibility:hidden}
@keyframes spin{to{transform:rotate(1turn)}}
.site-header{position:sticky;top:0;z-index:80;background:rgba(239,243,251,.76);backdrop-filter:blur(16px);border-bottom:1px solid rgba(36,53,92,.08);transition:.3s;overflow:visible}
.site-header.scrolled{box-shadow:0 12px 30px rgba(22,30,52,.08)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:26px;min-height:94px}
.brand{position:relative;width:250px;flex:0 0 250px;height:84px;display:flex;align-items:flex-start}
.main-nav{display:flex;align-items:center;gap:28px;font-weight:700;color:#31466f}
.main-nav a{position:relative}
.main-nav a::after{content:'';position:absolute;left:0;bottom:-8px;width:0;height:2px;background:var(--primary);transition:.25s}
.main-nav a:hover::after,.main-nav a:focus-visible::after{width:100%}
.header-cta{padding:14px 22px;border-radius:999px;background:var(--primary);color:#fff;font-weight:800;box-shadow:var(--shadow-soft)}
.menu-toggle{display:none;border:0;background:none;padding:0;width:48px;height:48px;place-items:center}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;transition:.3s}
.hero{padding:34px 0 72px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle, rgba(93,121,181,.18) 0%, rgba(93,121,181,0) 70%)}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}
.hero-copy h1{font-size:clamp(2.15rem,4.2vw,3.55rem);line-height:1.08;margin-bottom:14px;max-width:11.5ch}
.hero-copy p{font-size:1rem;max-width:54ch}
.hero-points{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:22px 0}
.hero-point{background:rgba(255,255,255,.72);border:1px solid rgba(62,85,136,.12);border-radius:22px;padding:16px 17px;box-shadow:var(--shadow-soft)}
.hero-point strong{display:block;color:var(--text);font-family:'Montserrat',sans-serif;margin-bottom:6px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 24px;border-radius:999px;font-weight:800;transition:.25s;border:1px solid transparent}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--primary);color:#fff;box-shadow:var(--shadow-soft)}
.btn-secondary{background:#fff;color:var(--primary);border-color:rgba(62,85,136,.15)}
.hero-visual{position:relative;min-height:560px;display:flex;align-items:center;justify-content:center;isolation:isolate}
.hero-photo-wrap{position:relative;z-index:1;background:linear-gradient(180deg, rgba(255,255,255,.78), rgba(255,255,255,.56));padding:18px;border-radius:34px;box-shadow:var(--shadow);transform:rotate(-2deg)}
.hero-photo{border-radius:24px;box-shadow:var(--shadow-soft)}
.hero-card{position:absolute;z-index:5;max-width:260px;background:#fff;padding:18px 20px;border-radius:22px;box-shadow:var(--shadow-soft);border:1px solid rgba(62,85,136,.12)}
.hero-card b{display:block;color:var(--text);margin-bottom:6px}
.hero-card span{font-size:.95rem;color:var(--muted);line-height:1.5}
.card-floating-top{right:-10px;top:22px}
.card-floating-bottom{left:-14px;bottom:28px}
.metrics-band{background:linear-gradient(90deg,var(--bg-dark),var(--bg-darker));padding:22px 0;color:#fff}
.metrics-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.metric{padding:10px 18px;border-left:1px solid rgba(255,255,255,.18)}
.metric:first-child{border-left:0}
.metric h3{color:#fff;font-size:2.4rem;margin-bottom:8px}
.metric p{color:rgba(255,255,255,.74)}
.about{padding:88px 0}
.about-grid{display:grid;grid-template-columns:.94fr 1.06fr;gap:54px;align-items:center}
.about-photo img,.steps-photo img,.contact-side-image{border-radius:28px;box-shadow:var(--shadow)}
.about-copy h2,.section-heading h2,.cta-strip-grid h2,.contact-copy h2{font-size:clamp(2rem,3.4vw,3rem);line-height:1.12;margin-bottom:16px}
.about-copy p + p{margin-top:14px}
.pill-list{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.pill-list span{padding:12px 16px;border-radius:999px;background:#fff;color:var(--primary);font-weight:700;border:1px solid rgba(62,85,136,.12);box-shadow:var(--shadow-soft)}
.consorcio-focus{padding:92px 0}
.section-heading{max-width:760px;margin-bottom:36px}
.section-heading.center{text-align:center;margin-left:auto;margin-right:auto}
.benefits-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-bottom:42px}
.benefit-card{background:#fff;border:1px solid rgba(62,85,136,.12);border-radius:28px;padding:26px;box-shadow:var(--shadow-soft)}
.benefit-card .icon{width:50px;height:50px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--bg-dark),var(--accent));color:#fff;font-weight:900;font-size:1.2rem;margin-bottom:18px}
.benefit-card h3{font-size:1.18rem;margin-bottom:8px}
.steps-grid{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}
.steps-copy{background:rgba(255,255,255,.64);padding:34px;border-radius:30px;border:1px solid rgba(62,85,136,.12)}
.steps-copy h3{font-size:1.9rem;margin-bottom:22px}
.step-item{display:grid;grid-template-columns:72px 1fr;gap:16px;align-items:flex-start;padding:18px 0;border-top:1px solid rgba(62,85,136,.1)}
.step-item:first-of-type{border-top:0;padding-top:0}
.step-item span{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:#fff;color:var(--primary);font-family:'Montserrat',sans-serif;font-weight:800;box-shadow:var(--shadow-soft)}
.step-item strong{display:block;font-family:'Montserrat',sans-serif;font-size:1.06rem;margin-bottom:6px;color:var(--text)}
.seguros{padding:88px 0}
.insurance-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.insurance-card{background:#fff;border-radius:24px;padding:24px;border:1px solid rgba(62,85,136,.12);box-shadow:var(--shadow-soft);position:relative;overflow:hidden}
.insurance-card::before{content:'';position:absolute;right:-24px;bottom:-24px;width:110px;height:110px;border-radius:50%;background:radial-gradient(circle, rgba(93,121,181,.16), rgba(93,121,181,0) 72%)}
.insurance-card h3{font-size:1.08rem;margin-bottom:8px}
.cta-strip{padding:40px 0;background:linear-gradient(90deg,var(--bg-darker),var(--bg-dark))}
.cta-strip-grid{display:flex;align-items:center;justify-content:space-between;gap:26px}
.cta-strip-grid h2,.cta-strip-grid .eyebrow{color:#fff}
.cta-strip-grid .eyebrow::before{background:#fff}
.contact{padding:88px 0}
.contact-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:40px;align-items:start}
.contact-box{margin:26px 0 24px;background:#fff;border-radius:24px;padding:24px;border:1px solid rgba(62,85,136,.12);box-shadow:var(--shadow-soft)}
.contact-box strong{display:block;font-family:'Montserrat',sans-serif;color:var(--text);margin-bottom:6px}
.contact-box a{display:inline-block;color:var(--primary);font-weight:800;font-size:1.15rem;margin-bottom:6px}
.contact-box span{display:block;color:var(--muted)}
.contact-side-image{margin-top:18px}
.contact-mini-card{margin-top:18px;background:linear-gradient(145deg,var(--bg-dark),var(--bg-darker));color:#fff;border-radius:28px;padding:24px;box-shadow:var(--shadow-soft)}
.contact-mini-card h3{color:#fff;font-size:1.18rem;margin-bottom:14px}
.contact-mini-card ul{margin:0;padding-left:18px;display:grid;gap:10px;color:rgba(255,255,255,.82)}
.contact-form{background:#fff;border-radius:30px;padding:30px;border:1px solid rgba(62,85,136,.12);box-shadow:var(--shadow)}
.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:8px;margin-bottom:16px}
.field label{font-weight:700;color:#304468;font-size:.95rem}
.field input,.field select,.field textarea{width:100%;border:1px solid rgba(62,85,136,.16);background:#f7f9fe;border-radius:16px;padding:15px 16px;color:var(--text);outline:none;transition:border-color .2s, box-shadow .2s}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(62,85,136,.1)}
.form-error{min-height:22px;color:#c03f54;font-weight:600;font-size:.92rem}
.btn-submit{width:100%}
.site-footer{background:#202d4d;color:#fff;padding:28px 0}
.footer-inner{display:grid;grid-template-columns:220px 1fr auto;gap:22px;align-items:center}
.site-footer img{width:200px;filter:brightness(0) invert(1) opacity(.9)}
.site-footer p{color:rgba(255,255,255,.72)}
.site-footer a{font-weight:800}
.floating-whatsapp{position:fixed;right:20px;bottom:20px;width:62px;height:62px;border-radius:50%;display:grid;place-items:center;background:#1cc55c;color:#fff;box-shadow:0 18px 42px rgba(9,36,17,.34);z-index:60;transition:.25s}
.floating-whatsapp svg{width:31px;height:31px;fill:currentColor}
.floating-whatsapp:hover{transform:translateY(-3px)}

.js .reveal{opacity:0;transform:translate3d(0,44px,0) scale(.98);transition:opacity .8s ease, transform .8s cubic-bezier(.2,.65,.2,1);will-change:opacity,transform}
.js .reveal[data-reveal="left"]{transform:translate3d(-50px,0,0) scale(.98)}
.js .reveal[data-reveal="right"]{transform:translate3d(50px,0,0) scale(.98)}
.js .reveal[data-reveal="up"]{transform:translate3d(0,56px,0) scale(.98)}
.js .reveal[data-reveal="zoom"]{transform:scale(.88)}
.js .reveal.is-visible{opacity:1;transform:translate3d(0,0,0) scale(1)}
.reveal-delay-1{transition-delay:.08s}.reveal-delay-2{transition-delay:.16s}.reveal-delay-3{transition-delay:.24s}

@media (max-width: 1100px){
  .hero-grid,.about-grid,.steps-grid,.contact-grid{grid-template-columns:1fr}
  .hero-visual{order:-1;min-height:auto;padding-top:18px}
  .hero-copy h1{max-width:none}
  .benefits-grid,.insurance-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .cta-strip-grid,.footer-inner{grid-template-columns:1fr;display:grid;text-align:center}
}
@media (max-width: 860px){
  .site-header{position:sticky}
  .menu-toggle{display:grid}
  .main-nav{position:fixed;top:86px;left:16px;right:16px;display:grid;gap:14px;padding:20px;border-radius:24px;background:rgba(255,255,255,.98);box-shadow:var(--shadow);opacity:0;pointer-events:none;transform:translateY(-10px);transition:.25s}
  .main-nav.open{opacity:1;pointer-events:auto;transform:none}
  .header-cta{display:none}
  .hero-points,.metrics-grid,.benefits-grid,.insurance-grid,.field-grid{grid-template-columns:1fr}
  .metric{border-left:0;border-top:1px solid rgba(255,255,255,.14);padding:18px 0}
  .metric:first-child{border-top:0}
  .brand{width:220px;flex-basis:220px;height:80px}
  .card-floating-top{right:10px;top:10px}
  .card-floating-bottom{left:10px;bottom:10px}
}
@media (max-width: 560px){
  .container{width:min(calc(100vw - 28px), 100%)}
  .hero{padding-top:24px}
  .hero-copy h1{font-size:2rem}
  .hero-card{position:relative;max-width:none}
  .hero-visual{gap:14px;display:grid}
  .hero-photo-wrap{transform:none}
  .card-floating-top,.card-floating-bottom{left:auto;right:auto;top:auto;bottom:auto}
  .steps-copy{padding:24px}
  .step-item{grid-template-columns:58px 1fr}
  .contact-form{padding:22px}
  .site-footer img{margin:0 auto}
}


.brand-seal{position:absolute;left:0;top:-12px;width:220px;height:110px;background:#fff;border:1px solid rgba(62,85,136,.12);border-radius:0 0 28px 28px;box-shadow:0 18px 38px rgba(34,49,78,.12);display:flex;align-items:center;justify-content:center;padding:14px 18px 12px;overflow:hidden}
.brand-seal img{width:100%;height:100%;object-fit:contain;object-position:center}
.site-header.scrolled .brand-seal{top:-6px;width:198px;height:98px;padding:12px 16px 10px;border-radius:0 0 24px 24px}
.site-header.scrolled .header-inner{min-height:88px}

@media (max-width: 860px){
  .site-header{overflow:visible}
  .header-inner{min-height:84px}
  .brand{width:190px;flex-basis:190px;height:74px}
  .brand-seal,.site-header.scrolled .brand-seal{top:-8px;width:180px;height:90px;padding:10px 12px;border-radius:0 0 20px 20px}
  .main-nav{top:84px}
}

@media (max-width: 560px){
  .header-inner{min-height:78px}
  .brand{width:168px;flex-basis:168px;height:68px}
  .brand-seal,.site-header.scrolled .brand-seal{top:-6px;width:160px;height:82px;padding:8px 10px;border-radius:0 0 18px 18px}
}