*{margin:0;padding:0;box-sizing:border-box;}
:root{--navy:#1a3a5c;--blue:#1e5fa8;--green:#2e8b3a;--green2:#38a847;--light:#f4f8ff;--gray:#f7f7f7;--muted:#5a6a7a;--border:#dde8f0;--white:#fff;--wa:#25d366;}
html{scroll-behavior:smooth;}
body{font-family:'Lato',sans-serif;color:#222;background:#fff;font-size:16px;}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,0.97);border-bottom:2px solid var(--border);padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:70px;box-shadow:0 2px 12px rgba(30,95,168,0.08);}
.nav-logo{cursor:pointer;}.nav-logo img{height:52px;width:auto;}
.nav-links{display:flex;list-style:none;align-items:center;gap:0;}
.nav-links>li{position:relative;}
.nav-links>li::after{content:'';position:absolute;left:0;right:0;top:100%;height:14px;}
.nav-links>li>a{display:block;padding:8px 14px;font-size:14px;font-weight:600;color:var(--navy);text-decoration:none;border-radius:6px;font-family:'Montserrat',sans-serif;transition:color .2s,background .2s;letter-spacing:.3px;}
.nav-links>li>a:hover{color:var(--blue);background:var(--light);}
.nav-links>li>a.has-drop::after{content:' ▾';font-size:10px;opacity:.6;}
.dropdown{display:none;position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--border);border-radius:10px;min-width:240px;padding:8px;box-shadow:0 8px 30px rgba(30,95,168,0.13);z-index:1001;}
.nav-links>li:hover .dropdown,.nav-links>li:focus-within .dropdown,.dropdown:hover{display:block;}
.dropdown a{display:block;padding:9px 14px;font-size:13px;color:var(--muted);text-decoration:none;border-radius:6px;transition:all .15s;font-family:'Montserrat',sans-serif;font-weight:600;}
.dropdown a:hover{background:var(--light);color:var(--blue);}
.nav-cta{background:var(--green)!important;color:#fff!important;padding:10px 20px!important;border-radius:25px!important;margin-left:10px;font-weight:700!important;}
.nav-cta:hover{background:var(--green2)!important;}

/* PAGES */
.page{display:none;padding-top:70px;min-height:100vh;}.page.active{display:block;}

/* HERO */
.hero{position:relative;min-height:580px;display:flex;align-items:center;overflow:hidden;}
.hero-bg{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1582213782179-e0d53f98f2ca?w=1600&q=80');background-size:cover;background-position:center;filter:brightness(.35);}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,58,92,0.85) 0%,rgba(30,95,168,0.7) 60%,rgba(26,110,58,0.75) 100%);}
.hero-content{position:relative;z-index:2;padding:90px 2rem 80px;max-width:860px;margin:0 auto;text-align:center;width:100%;}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.25);color:#fff;font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 18px;border-radius:20px;margin-bottom:28px;font-family:'Montserrat',sans-serif;}
.hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(28px,5vw,56px);font-weight:800;line-height:1.12;color:#fff;margin-bottom:20px;}
.hero h1 em{color:#6edfa0;font-style:normal;}
.hero p{font-size:18px;color:rgba(255,255,255,0.82);max-width:560px;margin:0 auto 40px;line-height:1.75;}
.hero-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* BTNS */
.btn-green{background:var(--green);color:#fff;padding:15px 32px;border-radius:30px;text-decoration:none;font-weight:700;font-size:15px;font-family:'Montserrat',sans-serif;transition:all .2s;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:8px;}
.btn-green:hover{background:var(--green2);transform:translateY(-2px);}
.btn-outline{background:rgba(255,255,255,0.1);color:#fff;padding:15px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:15px;border:2px solid rgba(255,255,255,0.4);transition:all .2s;font-family:'Montserrat',sans-serif;}
.btn-outline:hover{background:rgba(255,255,255,0.2);}
.btn-wa{background:var(--wa);color:#fff;padding:15px 32px;border-radius:30px;text-decoration:none;font-weight:700;font-size:15px;font-family:'Montserrat',sans-serif;transition:all .2s;display:inline-flex;align-items:center;gap:8px;}
.btn-wa:hover{background:#1db954;transform:translateY(-2px);}

/* TRUST STRIP */
.trust-strip{background:#fff;border-bottom:1px solid var(--border);padding:18px 2rem;}
.trust-inner{max-width:1140px;margin:0 auto;display:flex;justify-content:center;align-items:center;gap:40px;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:10px;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);}
.trust-item span{font-size:20px;}

/* FEATURE STRIP */
.feature-strip{background:var(--light);border-top:3px solid var(--blue);border-bottom:1px solid var(--border);}
.feature-grid{max-width:1140px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px;padding:48px 2rem;}
.feat{display:flex;gap:16px;align-items:flex-start;}
.feat-icon{font-size:28px;flex-shrink:0;margin-top:2px;}
.feat h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--navy);margin-bottom:4px;}
.feat p{font-size:13px;color:var(--muted);line-height:1.6;}

/* SECTIONS */
.sec{padding:72px 2rem;max-width:1140px;margin:0 auto;}
.sec-label{font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--green);margin-bottom:10px;font-family:'Montserrat',sans-serif;}
.sec-title{font-family:'Montserrat',sans-serif;font-size:clamp(24px,3vw,38px);font-weight:800;color:var(--navy);margin-bottom:14px;line-height:1.2;}
.sec-sub{font-size:16px;color:var(--muted);line-height:1.75;max-width:580px;}
.centered{text-align:center;}.centered .sec-sub{margin:0 auto;}

/* WHY */
.why-layout{display:grid;grid-template-columns:1fr 1fr;gap:0;min-height:480px;overflow:hidden;}
.why-img{background-size:cover;background-position:center;}
.why-content{padding:56px 48px;display:flex;flex-direction:column;justify-content:center;}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:24px;}
.why-card{background:var(--light);border-radius:10px;padding:16px;border-left:4px solid var(--blue);}
.why-card h3{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:5px;}
.why-card p{font-size:12px;color:var(--muted);line-height:1.5;}

/* SEGUROS CARDS */
.seg-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin-top:40px;}
.seg-card{background:#fff;border-radius:14px;border:1px solid var(--border);overflow:hidden;transition:all .25s;box-shadow:0 2px 8px rgba(30,95,168,0.06);}
.seg-card:hover{border-color:var(--blue);transform:translateY(-4px);box-shadow:0 12px 28px rgba(30,95,168,0.14);}
.seg-card-img{width:100%;height:180px;object-fit:cover;display:block;}
.seg-card-body{padding:22px;}
.seg-card h3{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.seg-card p{font-size:13px;color:var(--muted);line-height:1.65;margin-bottom:16px;}
.seg-card a{font-size:13px;font-weight:700;color:var(--blue);text-decoration:none;font-family:'Montserrat',sans-serif;}
.seg-card a:hover{color:var(--green);}

/* ASEGURADORAS */
.aseg-strip{background:var(--navy);padding:56px 2rem;text-align:center;}
.aseg-strip h2{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:#fff;margin-bottom:36px;}
.aseg-logos{display:flex;justify-content:center;flex-wrap:wrap;gap:20px;max-width:1000px;margin:0 auto;}
.aseg-logo-box{background:rgba(255,255,255,0.95);border-radius:12px;padding:16px 28px;min-width:150px;min-height:80px;display:flex;align-items:center;justify-content:center;transition:transform .2s,box-shadow .2s;}
.aseg-logo-box:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,0,0,0.2);}
.aseg-logo-box img{max-height:48px;max-width:130px;object-fit:contain;filter:none;}

/* TESTIMONIALS */
.test-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin-top:40px;}
.test-card{background:var(--light);border-radius:12px;padding:24px;border:1px solid var(--border);}
.test-card p{font-size:14px;color:#333;line-height:1.7;margin-bottom:14px;font-style:italic;}
.test-name{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--blue);}
.stars{color:#f0a500;font-size:14px;margin-bottom:10px;}

/* CTA BANNER */
.cta-banner{position:relative;overflow:hidden;padding:80px 2rem;text-align:center;}
.cta-bg{position:absolute;inset:0;background-size:cover;background-position:center;filter:brightness(.25);}
.cta-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(46,139,58,0.85),rgba(30,95,168,0.85));}
.cta-content{position:relative;z-index:2;}
.cta-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3vw,36px);font-weight:800;color:#fff;margin-bottom:14px;}
.cta-banner p{font-size:17px;color:rgba(255,255,255,0.85);max-width:540px;margin:0 auto 36px;line-height:1.7;}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* FORM */
.form-wrap{background:var(--light);border-radius:16px;padding:40px;border:1px solid var(--border);}
.form-title{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--navy);margin-bottom:6px;}
.form-sub{font-size:14px;color:var(--muted);margin-bottom:28px;}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.form-full{grid-column:1/-1;}
.campo label{display:block;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:5px;font-family:'Montserrat',sans-serif;letter-spacing:.5px;}
.campo input,.campo select,.campo textarea{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:8px;font-size:14px;font-family:'Lato',sans-serif;background:#fff;color:#222;outline:none;transition:border-color .2s;}
.campo input:focus,.campo select:focus,.campo textarea:focus{border-color:var(--blue);}
.campo textarea{resize:vertical;min-height:90px;}
.campo{margin-bottom:0;}
.btn-submit{background:var(--green);color:#fff;padding:14px 32px;border:none;border-radius:30px;font-size:15px;font-weight:700;cursor:pointer;font-family:'Montserrat',sans-serif;margin-top:20px;transition:all .2s;width:100%;}
.btn-submit:hover{background:var(--green2);}
.confirm-msg{display:none;background:#e6f9ed;border:1px solid #b2e5c4;border-radius:8px;padding:16px;margin-top:16px;color:#1a5c2e;font-weight:600;text-align:center;}

/* LAYOUTS */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
.two-col-3{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start;}

/* PAGE HERO */
.page-hero{position:relative;overflow:hidden;padding:80px 2rem 60px;}
.page-hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;filter:brightness(.3);}
.page-hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,58,92,0.9),rgba(30,95,168,0.8));}
.page-hero-content{position:relative;z-index:2;max-width:1140px;margin:0 auto;}
.page-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(26px,4vw,48px);font-weight:800;color:#fff;margin-bottom:14px;}
.page-hero p{font-size:17px;color:rgba(255,255,255,0.78);max-width:560px;line-height:1.7;margin-bottom:8px;}
.page-hero .small{font-size:14px;color:rgba(255,255,255,0.6);margin-bottom:32px;}
.breadcrumb{font-size:12px;color:rgba(255,255,255,0.5);margin-bottom:16px;font-family:'Montserrat',sans-serif;}
.breadcrumb span{color:#6edfa0;}

/* STEPS */
.steps{display:flex;gap:0;flex-wrap:wrap;margin-top:40px;}
.step{flex:1;min-width:200px;padding:28px 24px;text-align:center;position:relative;}
.step:not(:last-child)::after{content:'→';position:absolute;right:-10px;top:50%;transform:translateY(-50%);font-size:20px;color:var(--blue);opacity:.4;}
.step-num{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;}
.step h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--navy);margin-bottom:6px;}
.step p{font-size:13px;color:var(--muted);}

/* COVERAGE */
.cov-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-top:36px;}
.cov-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:24px;border-top:3px solid var(--blue);}
.cov-card h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.cov-card p{font-size:13px;color:var(--muted);line-height:1.6;}
.cov-note{font-size:12px;color:var(--muted);margin-top:20px;padding:12px;background:var(--gray);border-radius:8px;border-left:3px solid #f0a500;}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin-top:36px;}
.contact-card{background:var(--light);border-radius:12px;padding:24px;text-align:center;border:1px solid var(--border);}
.contact-card .icon{font-size:32px;margin-bottom:10px;}
.contact-card h3{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;}
.contact-card p,.contact-card a{font-size:15px;font-weight:700;color:var(--navy);text-decoration:none;}
.hours-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:20px;}
.hour-item{background:var(--light);border-radius:8px;padding:14px 18px;}
.hour-item .day{font-size:12px;font-weight:700;color:var(--muted);font-family:'Montserrat',sans-serif;text-transform:uppercase;}
.hour-item .time{font-size:15px;font-weight:700;color:var(--navy);}

/* PRIVACY */
.privacy-content{max-width:860px;margin:0 auto;padding:56px 2rem;}
.privacy-content h2{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--navy);margin:32px 0 12px;}
.privacy-content h2:first-child{margin-top:0;}
.privacy-content p{font-size:15px;color:#444;line-height:1.8;margin-bottom:14px;}
.privacy-content ul{padding-left:22px;margin-bottom:14px;}
.privacy-content li{font-size:15px;color:#444;line-height:1.8;margin-bottom:6px;}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,0.7);padding:48px 2rem 24px;}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;max-width:1140px;margin:0 auto 36px;}
.footer-logo{cursor:pointer;}.footer-logo img{height:60px;margin-bottom:14px;}
.footer-desc{font-size:14px;line-height:1.7;}
.footer-col h4{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:#fff;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:16px;}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,0.65);text-decoration:none;margin-bottom:8px;transition:color .2s;}
.footer-col a:hover{color:#fff;}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:20px;text-align:center;font-size:13px;max-width:1140px;margin:0 auto;}

/* WA FLOAT */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:999;background:var(--wa);color:#fff;border-radius:50px;padding:14px 20px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;text-decoration:none;display:flex;align-items:center;gap:8px;box-shadow:0 4px 20px rgba(37,211,102,0.4);transition:all .2s;}
.wa-float:hover{transform:translateY(-3px);box-shadow:0 8px 28px rgba(37,211,102,0.5);}

.bg-light{background:var(--light);}

@media(max-width:900px){
  .why-layout{grid-template-columns:1fr;}
  .why-img{min-height:240px;}
  .why-content{padding:36px 24px;}
}
@media(max-width:768px){
  .two-col,.two-col-3,.footer-grid{grid-template-columns:1fr;}
  .form-grid{grid-column:1fr;}
  nav{padding:0 1rem;}
  .nav-links{display:none;}
  .step::after{display:none;}
  .trust-inner{gap:20px;}
}

/* ===== RESPONSIVE / MOBILE ===== */

/* Clickable card */
.seg-card-link{display:block;text-decoration:none;color:inherit;cursor:pointer;}
.seg-card-link .seg-card{height:100%;}
.seg-card-btn{display:inline-block;font-size:13px;font-weight:700;color:var(--blue);font-family:'Montserrat',sans-serif;}
.seg-card-link:hover .seg-card-btn{color:var(--green);}

/* Mobile nav hamburger */
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none;}
.nav-hamburger span{display:block;width:24px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s;}
.nav-hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px);}
.nav-hamburger.open span:nth-child(2){opacity:0;}
.nav-hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px);}
.nav-mobile{display:none;position:fixed;top:70px;left:0;right:0;background:#fff;border-bottom:2px solid var(--border);z-index:999;padding:16px;box-shadow:0 8px 24px rgba(0,0,0,0.1);}
.nav-mobile.open{display:block;}
.nav-mobile a{display:block;padding:12px 16px;font-size:15px;font-weight:600;color:var(--navy);text-decoration:none;border-radius:8px;font-family:'Montserrat',sans-serif;border-bottom:1px solid var(--border);}
.nav-mobile a:last-child{border-bottom:none;}
.nav-mobile a:hover{background:var(--light);color:var(--blue);}
.nav-mobile .mobile-sub{padding-left:32px;font-size:14px;color:var(--muted);}
.nav-mobile .mobile-cta{background:var(--green);color:#fff!important;margin-top:8px;text-align:center;border-bottom:none!important;border-radius:25px!important;}

@media(max-width:900px){
  /* Nav */
  .nav-links{display:none;}
  .nav-hamburger{display:flex;}
  
  /* Hero */
  .hero-content{padding:60px 1.5rem 50px;}
  .hero h1{font-size:clamp(24px,6vw,40px);}
  .hero p{font-size:15px;}
  .hero-btns{flex-direction:column;align-items:center;gap:10px;}
  .hero-btns a{width:100%;max-width:300px;justify-content:center;}
  
  /* Features strip */
  .feature-grid{grid-template-columns:1fr 1fr!important;gap:20px;padding:32px 1.5rem!important;}
  
  /* Section spacing */
  .sec{padding:48px 1.5rem;}
  
  /* Services cards */
  .seg-grid{grid-template-columns:1fr 1fr;gap:14px;}
  .seg-card-img{height:140px;}
  
  /* Why section */
  .why-layout{grid-template-columns:1fr!important;}
  .why-img{min-height:260px!important;border-radius:12px!important;}
  .why-content{padding:36px 24px!important;}
  .why-grid{grid-template-columns:1fr 1fr;}
  
  /* Aseguradoras */
  .aseg-logos{gap:12px!important;}
  .aseg-logo-box{padding:12px 16px!important;min-width:100px!important;min-height:64px!important;}
  
  /* Testimonials */
  .test-grid{grid-template-columns:1fr;}
  
  /* CTA */
  .cta-banner{padding:56px 1.5rem;}
  .cta-btns{flex-direction:column;align-items:center;}
  .cta-btns a{width:100%;max-width:300px;justify-content:center;}
  
  /* Forms */
  .two-col,.two-col-3{grid-template-columns:1fr!important;gap:32px;}
  .form-grid{grid-template-columns:1fr!important;}
  .form-full{grid-column:1!important;}
  .form-wrap{padding:28px 20px;}
  
  /* Page hero */
  .page-hero{padding:56px 1.5rem 44px;}
  .page-hero h1{font-size:clamp(22px,5vw,36px);}
  .page-hero p{font-size:15px;}
  .hero-btns.start{flex-direction:column;align-items:flex-start;}
  
  /* Steps */
  .steps{flex-direction:column;gap:8px;}
  .step::after{display:none;}
  .step{padding:20px 16px;}
  
  /* Coverage grid */
  .cov-grid{grid-template-columns:1fr 1fr;}
  
  /* Contact */
  .contact-grid{grid-template-columns:1fr;}
  .hours-grid{grid-template-columns:1fr;}
  
  /* Footer */
  .footer-grid{grid-template-columns:1fr!important;gap:24px;}
  
  /* Trust strip */
  .trust-inner{gap:16px;}
  .trust-item{font-size:12px;}
  
  /* Privacy */
  .privacy-content{padding:36px 1.5rem;}
}

@media(max-width:560px){
  /* Features 1 col */
  .feature-grid{grid-template-columns:1fr!important;}
  
  /* Services 1 col */
  .seg-grid{grid-template-columns:1fr;}
  .seg-card-img{height:200px;}
  
  /* Coverage 1 col */
  .cov-grid{grid-template-columns:1fr;}
  
  /* Why grid 1 col */
  .why-grid{grid-template-columns:1fr!important;}
  
  /* Logos wrap smaller */
  .aseg-logo-box{min-width:80px!important;padding:10px 12px!important;}
  
  /* Trust strip vertical */
  .trust-inner{flex-direction:column;align-items:flex-start;gap:10px;}
  
  /* Buttons full width */
  .btn-green,.btn-wa,.btn-outline{width:100%;max-width:100%;justify-content:center;}
  
  /* Hero btns aligned */
  .hero-btns{width:100%;}
}



/* Archivo multi-página */
.current-link{color:var(--blue)!important;background:var(--light)!important;}
.nav-mobile .current-link{background:var(--light);color:var(--blue)!important;}
.footer-col a.current-link{color:#fff;}

.error-msg{display:block;background:#fdecec;border:1px solid #f5b5b5;border-radius:8px;padding:16px;margin:0 0 16px;color:#8a1f1f;font-weight:600;text-align:center;}