/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: #2C3E50;
  background: #fff;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ===== VARIABLES ===== */
:root {
  --primary: #1A3C5E;
  --primary-light: #22507f;
  --green: #27AE60;
  --green-dark: #1e8449;
  --green-wa: #25D366;
  --light: #F5F7FA;
  --white: #fff;
  --text: #2C3E50;
  --text-muted: #7F8C8D;
  --border: #e8ecf0;
  --shadow: 0 2px 12px rgba(0,0,0,0.08);
  --shadow-hover: 0 8px 28px rgba(0,0,0,0.13);
  --radius: 12px;
}

/* ===== LAYOUT ===== */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 760px; }

.section { padding: 80px 0; }
.bg-white { background: var(--white); }
.bg-light { background: var(--light); }
.bg-primary { background: var(--primary); }

.section-header { text-align: center; margin-bottom: 56px; }
.section-label {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--green);
  background: rgba(39,174,96,.1);
  padding: 4px 14px;
  border-radius: 99px;
  margin-bottom: 14px;
}
.section-header h2 { font-size: clamp(26px, 4vw, 38px); font-weight: 800; color: var(--primary); line-height: 1.2; }
.section-header p { margin-top: 12px; color: var(--text-muted); font-size: 17px; max-width: 560px; margin-left: auto; margin-right: auto; }

/* ===== TOP BAR ===== */
.top-bar {
  background: var(--primary);
  color: #fff;
  text-align: center;
  font-size: 13px;
  font-weight: 500;
  padding: 9px 16px;
  letter-spacing: .01em;
}

/* ===== NAVBAR ===== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .2s;
}
.navbar.scrolled { box-shadow: 0 2px 16px rgba(0,0,0,.1); }

.nav-container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo img { height: 64px; width: auto; object-fit: contain; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
}
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text);
  padding: 8px 12px;
  border-radius: 8px;
  transition: background .15s, color .15s;
}
.nav-links a:hover { background: var(--light); color: var(--primary); }
.nav-links .btn-nav {
  background: var(--green);
  color: #fff;
  padding: 9px 20px;
  border-radius: 99px;
  font-weight: 600;
}
.nav-links .btn-nav:hover { background: var(--green-dark); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: all .2s;
}

/* ===== BUTTONS ===== */
.btn-primary {
  display: inline-block;
  background: var(--green);
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  padding: 15px 32px;
  border-radius: 99px;
  transition: background .15s, transform .15s, box-shadow .15s;
  box-shadow: 0 4px 16px rgba(39,174,96,.35);
}
.btn-primary:hover { background: var(--green-dark); transform: translateY(-2px); box-shadow: 0 6px 24px rgba(39,174,96,.4); }

.btn-whatsapp {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--green-wa);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  padding: 13px 26px;
  border-radius: 99px;
  transition: background .15s, transform .15s;
}
.btn-whatsapp svg { width: 20px; height: 20px; flex-shrink: 0; }
.btn-whatsapp:hover { background: #1fba56; transform: translateY(-2px); }

.btn-submit {
  width: 100%;
  background: var(--green);
  color: #fff;
  font-size: 17px;
  font-weight: 700;
  padding: 17px;
  border: none;
  border-radius: 99px;
  cursor: pointer;
  transition: background .15s, transform .15s;
  box-shadow: 0 4px 16px rgba(39,174,96,.3);
  margin-top: 8px;
}
.btn-submit:hover { background: var(--green-dark); transform: translateY(-2px); }

/* ── Campo de archivo (póliza) ── */
input[type="file"] {
  display: block;
  width: 100%;
  padding: 10px 14px;
  border: 2px dashed #cbd5e1;
  border-radius: 10px;
  background: #f8fafc;
  color: #475569;
  font-size: 0.95rem;
  cursor: pointer;
  transition: border-color .2s;
  box-sizing: border-box;
}
input[type="file"]:hover { border-color: var(--blue); }
input[type="file"]::file-selector-button {
  background: var(--blue);
  color: #fff;
  border: none;
  padding: 6px 16px;
  border-radius: 6px;
  font-size: 0.9rem;
  cursor: pointer;
  margin-right: 12px;
}

/* ===== HERO ===== */
.hero {
  min-height: calc(100vh - 108px);
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--primary) 0%, #22507f 60%, #1a6b4e 100%);
  position: relative;
  overflow: hidden;
  padding: 80px 24px;
  gap: 48px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-content {
  position: relative;
  flex: 1;
  max-width: 620px;
  margin: 0 auto;
}
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,.15);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  padding: 6px 16px;
  border-radius: 99px;
  margin-bottom: 20px;
  letter-spacing: .04em;
  border: 1px solid rgba(255,255,255,.25);
}
.hero h1 {
  font-size: clamp(34px, 5.5vw, 58px);
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 22px;
}
.hero-sub {
  font-size: clamp(16px, 2vw, 19px);
  color: rgba(255,255,255,.88);
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.hero-trust {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.hero-trust span {
  color: rgba(255,255,255,.8);
  font-size: 14px;
  font-weight: 500;
}

.hero-image {
  position: relative;
  flex: 0 0 auto;
  width: min(420px, 45vw);
}
.hero-image img {
  width: 100%;
  filter: drop-shadow(0 20px 40px rgba(0,0,0,.3));
  animation: float 4s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

/* ===== STEPS ===== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 32px;
}
.step-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow);
  position: relative;
  transition: box-shadow .2s, transform .2s;
}
.step-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); }
.step-number {
  position: absolute;
  top: -16px;
  left: 50%;
  transform: translateX(-50%);
  width: 34px;
  height: 34px;
  background: var(--primary);
  color: #fff;
  font-weight: 800;
  font-size: 16px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.step-icon { font-size: 44px; margin: 10px 0 16px; }
.step-card h3 { font-size: 18px; font-weight: 700; color: var(--primary); margin-bottom: 10px; }
.step-card p { color: var(--text-muted); font-size: 15px; }

.steps-note {
  text-align: center;
  color: var(--text-muted);
  font-size: 15px;
  background: var(--white);
  padding: 16px 24px;
  border-radius: var(--radius);
  border-left: 4px solid var(--green);
  max-width: 600px;
  margin: 0 auto;
}

/* ===== BENEFITS ===== */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.benefit-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  transition: box-shadow .2s, transform .2s;
}
.benefit-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); }
.benefit-icon { font-size: 38px; margin-bottom: 14px; }
.benefit-card h3 { font-size: 18px; font-weight: 700; color: var(--primary); margin-bottom: 10px; }
.benefit-card p { color: var(--text-muted); font-size: 15px; line-height: 1.65; }

/* ===== SEGUROS ===== */
.seguros-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.seguro-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: box-shadow .2s, transform .2s;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.seguro-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-5px); }
.seguro-icon { font-size: 40px; margin-bottom: 12px; }
.seguro-card h3 { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.seguro-card p { color: var(--text-muted); font-size: 14px; line-height: 1.55; margin-bottom: 20px; flex: 1; }
.btn-seguro {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  padding: 9px 24px;
  border-radius: 99px;
  transition: background .15s;
}
.btn-seguro:hover { background: var(--primary-light); }

/* ===== BANDA TRAYECTORIA ===== */
.trayectoria-band {
  background: var(--primary);
  padding: 18px 24px;
  text-align: center;
}
.trayectoria-band span {
  color: #fff;
  font-size: 17px;
  font-weight: 600;
  letter-spacing: .03em;
}

/* ===== STATS ===== */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item { padding: 16px; }
.stat-number {
  display: block;
  font-size: clamp(36px, 5vw, 54px);
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  color: rgba(255,255,255,.75);
  font-size: 15px;
  font-weight: 500;
}

/* ===== TESTIMONIOS ===== */
.testimonios-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonio-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow);
}
.testimonio-stars { color: #f39c12; font-size: 18px; margin-bottom: 14px; }
.testimonio-card p {
  color: var(--text);
  font-size: 15px;
  line-height: 1.65;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonio-autor { display: flex; align-items: center; gap: 12px; }
.autor-avatar {
  width: 44px;
  height: 44px;
  background: var(--primary);
  color: #fff;
  font-weight: 700;
  font-size: 15px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testimonio-autor strong { display: block; font-size: 14px; font-weight: 700; color: var(--primary); }
.testimonio-autor span { font-size: 13px; color: var(--text-muted); }

/* ===== FAQ ===== */
.faq-list { display: flex; flex-direction: column; gap: 0; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:first-child { border-top: 1px solid var(--border); }

.faq-question {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  padding: 20px 0;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  transition: color .15s;
}
.faq-question:hover { color: var(--primary); }
.faq-icon {
  font-size: 22px;
  font-weight: 300;
  color: var(--green);
  flex-shrink: 0;
  transition: transform .2s;
  line-height: 1;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s ease;
}
.faq-item.open .faq-answer { max-height: 300px; padding-bottom: 20px; }
.faq-answer p { color: var(--text-muted); font-size: 15px; line-height: 1.7; }

/* ===== FORMULARIO ===== */
.form-wrapper {
  background: var(--white);
  border-radius: 16px;
  padding: 48px;
  box-shadow: var(--shadow);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 7px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  transition: border-color .15s, box-shadow .15s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(39,174,96,.12);
}
.form-group input[type="file"] {
  padding: 10px 14px;
  cursor: pointer;
  font-size: 14px;
}
.form-group textarea { resize: vertical; min-height: 110px; }

.radio-group { display: flex; gap: 24px; flex-wrap: wrap; margin-top: 4px; }
.radio-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  cursor: pointer;
}
.radio-label input { width: auto; margin: 0; }

.form-legal {
  text-align: center;
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 14px;
  line-height: 1.55;
}

.whatsapp-alt {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 28px;
  flex-wrap: wrap;
}
.whatsapp-alt span { color: var(--text-muted); font-size: 14px; }

/* ===== FORM SUCCESS ===== */
.form-success {
  text-align: center;
  padding: 32px 0;
}
.success-icon { font-size: 56px; margin-bottom: 16px; }
.form-success h3 { font-size: 24px; font-weight: 800; color: var(--primary); margin-bottom: 10px; }
.form-success p { color: var(--text-muted); font-size: 16px; margin-bottom: 28px; }

/* ===== FOOTER ===== */
.footer { background: var(--primary); color: rgba(255,255,255,.85); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1.5fr; gap: 48px; margin-bottom: 48px; }

.footer-logo { height: 80px; width: auto; margin-bottom: 16px; filter: none; }
.footer-col > p { font-size: 14px; line-height: 1.7; color: rgba(255,255,255,.7); }

.footer-col h4 { font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 16px; }
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a {
  color: rgba(255,255,255,.7);
  font-size: 14px;
  transition: color .15s;
}
.footer-col ul li a:hover { color: #fff; }

.contact-list li { display: flex; align-items: flex-start; gap: 10px; color: rgba(255,255,255,.75); font-size: 14px; }
.contact-list li span:first-child { flex-shrink: 0; margin-top: 1px; }
.contact-list a { color: rgba(255,255,255,.75); transition: color .15s; }
.contact-list a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,.5); }

/* ===== WHATSAPP FLOTANTE ===== */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 60px;
  height: 60px;
  background: var(--green-wa);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,.5);
  z-index: 999;
  transition: transform .2s, box-shadow .2s;
}
.whatsapp-float svg { width: 32px; height: 32px; color: #fff; }
.whatsapp-float:hover { transform: scale(1.1); box-shadow: 0 6px 28px rgba(37,211,102,.6); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .seguros-grid { grid-template-columns: repeat(3, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 840px) {
  .hero { flex-direction: column; text-align: center; min-height: auto; padding: 60px 24px; }
  .hero-image { width: min(340px, 80vw); margin: 0 auto; }
  .hero-buttons { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-content { max-width: 100%; }

  .steps-grid { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto 32px; }
  .benefits-grid { grid-template-columns: 1fr; }
  .seguros-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonios-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 28px 20px; }
}

@media (max-width: 640px) {
  .section { padding: 60px 0; }
  .hamburger { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 20px;
    border-bottom: 1px solid var(--border);
    box-shadow: 0 8px 20px rgba(0,0,0,.08);
    gap: 4px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 16px; border-radius: 8px; }
  .nav-links .btn-nav { text-align: center; margin-top: 6px; }
  .nav-container { position: relative; }

  .seguros-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .section-header { margin-bottom: 36px; }
  .hero-buttons { flex-direction: column; align-items: center; }
  .btn-primary, .btn-whatsapp { width: 100%; text-align: center; justify-content: center; }
}

@media (max-width: 400px) {
  .seguros-grid { grid-template-columns: 1fr; }
}