:root{
  --gold:#C9A349; --gold-d:#a8863a; --green:#1C2D25; --green-2:#24392f; --black:#111111; --white:#FAFAFA;
  --paper:#F3F0E8; --ink:#1b1f1d; --muted:#5b6560; --line:#ddd6c6;
  --serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --sans:'Quattrocento Sans','Segoe UI',Helvetica,Arial,sans-serif;
  --r:4px; --wrap:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--sans);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.18;margin:0 0 .6em;letter-spacing:-.005em}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.75rem,3.2vw,2.5rem);color:var(--green)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--black);padding:8px 14px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;font-family:var(--sans);font-weight:700;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase;text-decoration:none;padding:15px 26px;border-radius:var(--r);border:1px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--black)}
.btn-gold:hover{background:#d6b45f}
.btn-outline{border-color:rgba(250,250,250,.55);color:var(--white)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}
.btn-outline-dark{border-color:var(--green);color:var(--green)}
.btn-outline-dark:hover{background:var(--green);color:var(--white)}
.btn-green{background:var(--green);color:var(--white)}
.btn-green:hover{background:var(--green-2);color:var(--gold)}
.btn-sm{padding:10px 18px;font-size:.82rem}
.btn-block{width:100%}
.btn[disabled]{opacity:.7;cursor:progress}
.ico{width:20px;height:20px;flex:none}
.ico-lg{width:34px;height:34px;color:var(--gold)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--green);border-bottom:1px solid rgba(201,163,73,.25)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand img{height:42px;width:auto}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--white);text-decoration:none;font-size:.95rem;letter-spacing:.02em}
.nav a:not(.btn):hover{color:var(--gold)}
.nav .btn{color:var(--black)}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--gold);margin:5px 0;transition:transform .2s,opacity .2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Pattern texture (isotipo C repetido, manual p. "Patrones") */
.pattern-bg{position:relative;isolation:isolate}
.pattern-bg::before{content:"";position:absolute;inset:0;z-index:-1;background:url(pattern-c.svg) repeat;background-size:96px;opacity:.07;pointer-events:none}
.pattern-soft::before{opacity:.09;filter:brightness(.85)}

/* Hero */
.hero{background:var(--green);color:var(--white);overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(ellipse at 75% 45%,rgba(28,45,37,0) 0,rgba(28,45,37,.55) 55%,var(--green) 85%)}
.hero-inner{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center;padding-top:96px;padding-bottom:104px}
.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.16em;font-size:.82rem;font-weight:700;margin-bottom:1.4em}
.hero h1{color:var(--white);max-width:15ch}
.lead{font-size:1.18rem;color:rgba(250,250,250,.86);max-width:56ch;margin-bottom:2em}
.cta-row{display:flex;flex-wrap:wrap;gap:14px}
.hero-keys{list-style:none;padding:0;margin:2.6em 0 0;display:flex;flex-wrap:wrap;gap:10px 28px;font-family:var(--serif);color:var(--gold);font-size:1.05rem;letter-spacing:.14em;text-transform:uppercase}
.hero-keys li{display:flex;align-items:center;gap:28px}
.hero-keys li+li::before{content:"";width:5px;height:5px;background:var(--gold);transform:rotate(45deg);margin-left:-14px;margin-right:-14px}
.hero-seal{display:flex;justify-content:center}
.hero-seal img{width:min(360px,100%);opacity:.95}

/* Sections */
.section{padding:104px 0}
.section-light{background:var(--paper)}
.section-green{background:var(--green);color:var(--white)}
.section-green h2{color:var(--white)}
.section-green .section-head p{color:rgba(250,250,250,.82)}
.section-green .contact-card{border-color:transparent}
.section-head{max-width:680px;margin-bottom:56px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.kicker{font-weight:700;text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;color:var(--gold-d);margin-bottom:1em;display:flex;align-items:center;gap:12px}
.center .kicker{justify-content:center}
.kicker::before{content:"";width:28px;height:1px;background:currentColor}
.kicker-gold{color:var(--gold)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:72px}
.align-center{align-items:center}
.h-sm{font-size:1.25rem;color:var(--green);margin-top:1.6em}
.note{font-size:.95rem;color:var(--muted);border-left:2px solid var(--gold);padding-left:14px;margin-bottom:1.6em}
.small{font-size:.86rem}.muted{color:var(--muted)}

/* Steps */
.steps{list-style:none;counter-reset:st;padding:0;margin:0;display:grid;gap:12px}
.steps li{counter-increment:st;position:relative;padding-left:52px;min-height:38px}
.steps li::before{content:counter(st);position:absolute;left:0;top:-2px;width:36px;height:36px;border:1px solid var(--gold);border-radius:50%;display:grid;place-items:center;font-family:var(--serif);color:var(--gold-d);font-size:1.05rem}
.steps strong{color:var(--green)}

/* Coverages */
.coverages{margin:0 0 1.4em;display:grid;gap:14px}
.coverages div{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}
.coverages dt{font-family:var(--serif);font-size:1.12rem;color:var(--green);margin-bottom:4px}
.coverages dd{margin:0;color:#3d4642;font-size:.98rem}

/* Form */
.autos-grid{align-items:start}
.form-card{background:var(--white);border-top:3px solid var(--gold);border-radius:var(--r);box-shadow:0 18px 48px -24px rgba(17,17,17,.35);padding:36px 34px;position:sticky;top:100px}
.form-card>h3{font-size:1.7rem;color:var(--green);margin-bottom:.3em}
.form-intro{color:var(--muted);font-size:.98rem}
fieldset{border:0;padding:0;margin:0 0 10px}
legend{font-family:var(--serif);color:var(--gold-d);font-size:1.1rem;padding:0;margin:14px 0 12px;width:100%;border-bottom:1px solid var(--line);padding-bottom:6px}
.field{margin-bottom:14px;min-width:0}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
label,.label{display:block;font-weight:700;font-size:.9rem;margin-bottom:5px;color:var(--ink)}
.req{color:var(--gold-d)}
input[type=text],input[type=tel],input[type=email],input[type=date]{width:100%;font:inherit;font-size:1rem;padding:11px 12px;border:1px solid #c9c3b4;border-radius:var(--r);background:#fff;color:var(--ink);min-height:46px}
input:focus{border-color:var(--green);outline:2px solid rgba(201,163,73,.6);outline-offset:0}
input[aria-invalid=true]{border-color:#a1342a;background:#fdf6f5}
input::placeholder{color:#9aa19d}
.hint{display:block;color:var(--muted);font-size:.8rem;margin-top:4px;line-height:1.35}
.choices{display:flex;flex-wrap:wrap;gap:8px}
.choices label{display:inline-flex;align-items:center;gap:8px;font-weight:400;border:1px solid #c9c3b4;border-radius:var(--r);padding:9px 14px;margin:0;cursor:pointer;font-size:.95rem;background:#fff}
.choices label:has(input:checked){border-color:var(--green);background:#eef1ec;box-shadow:inset 0 0 0 1px var(--green)}
.choices input{accent-color:var(--green);margin:0}
.form-error{background:#fbeeec;border-left:3px solid #a1342a;color:#7a231b;padding:10px 14px;font-size:.95rem;border-radius:var(--r)}
.form-success{text-align:center;padding:24px 4px}
.form-success img{margin:0 auto 14px}
.form-success h3{color:var(--green);font-size:1.6rem}
.form-success .btn{margin:6px 0 14px}
.link-btn{display:block;margin:0 auto;background:none;border:0;color:var(--muted);text-decoration:underline;cursor:pointer;font:inherit;font-size:.92rem}

/* Fotos de secciones (vida, retiro, hogar, comercio) */
.photo{margin:0;position:relative;border-radius:var(--r);isolation:isolate}
.photo::before{content:"";position:absolute;inset:16px -16px -16px 16px;border:1px solid var(--gold);border-radius:var(--r);z-index:-1}
.reverse .photo::before{inset:16px 16px -16px -16px}
.photo img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r);filter:saturate(.9) contrast(1.02)}
.photo::after{content:"";position:absolute;inset:0;border-radius:var(--r);background:linear-gradient(200deg,rgba(201,163,73,.10) 0%,rgba(28,45,37,0) 45%,rgba(28,45,37,.28) 100%);pointer-events:none}
.reverse>:first-child{order:2}
.checks{list-style:none;padding:0;margin:1.2em 0 2em}
.checks li{position:relative;padding-left:30px;margin-bottom:12px}
.checks strong{color:var(--green)}
.checks li::before{content:"";position:absolute;left:4px;top:.55em;width:9px;height:9px;border:1.5px solid var(--gold);transform:rotate(45deg)}

/* Contact */
.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;max-width:980px;margin:0 auto}
.contact-card{display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:34px 20px;text-decoration:none;transition:border-color .2s,transform .2s}
a.contact-card:hover{border-color:var(--gold);transform:translateY(-2px)}
.cc-label{font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);font-weight:700}
.cc-value{font-family:var(--serif);font-size:1.3rem;color:var(--green);word-break:break-word}

/* Footer */
.site-footer{background:var(--black);color:rgba(250,250,250,.8);padding:64px 0 28px}
.footer-inner{display:grid;grid-template-columns:auto 1fr auto;gap:48px;align-items:center;padding-bottom:36px;border-bottom:1px solid rgba(250,250,250,.12)}
.footer-logo{width:180px}
.footer-nav{display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center}
.footer-nav a,.footer-contact a{text-decoration:none;font-size:.95rem}
.footer-nav a:hover,.footer-contact a:hover{color:var(--gold)}
.footer-contact{display:flex;flex-direction:column;gap:6px;text-align:right}
.legal{padding-top:24px;font-size:.82rem;color:rgba(250,250,250,.55)}
.legal p{margin:0 0 .4em}

/* WhatsApp flotante */
.wa-float{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:var(--gold);color:var(--black);display:grid;place-items:center;box-shadow:0 8px 24px rgba(17,17,17,.3);z-index:40}
.wa-float svg{width:28px;height:28px}
.wa-float:hover{background:#d6b45f}

/* Responsive */
@media (max-width:1040px){
  .grid-2{gap:48px}
  .nav{gap:18px}
}
@media (max-width:900px){
  .nav-toggle{display:block}
  .nav{position:absolute;top:76px;left:0;right:0;background:var(--green);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 24px;border-bottom:1px solid rgba(201,163,73,.3);display:none}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid rgba(250,250,250,.08)}
  .nav .btn{margin-top:16px;border:0}
  .hero-inner{grid-template-columns:1fr;padding-top:64px;padding-bottom:72px}
  .hero-seal{display:none}
  .grid-2{grid-template-columns:1fr}
  .reverse>:first-child{order:0}
  .photo{margin-right:12px}
  .reverse .photo{margin-right:0;margin-left:12px}
  .form-card{position:static}
  .contact-cards{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr;text-align:center;justify-items:center;gap:28px}
  .footer-contact{text-align:center}
  .section{padding:72px 0}
}
@media (max-width:560px){
  body{font-size:1rem}
  .wrap{padding:0 20px}
  .row-2{grid-template-columns:1fr}
  .form-card{padding:28px 20px;margin:0 -4px}
  .cta-row .btn{width:100%}
  .btn{letter-spacing:.03em;padding:15px 20px}
  .brand img{height:36px}
  .lead{font-size:1.08rem}
  .hero-keys{font-size:.9rem;letter-spacing:.1em;gap:8px 18px}
  .hero-keys li{gap:18px}
  .hero-keys li+li::before{margin-left:-9px;margin-right:-9px}
  .hero-keys li:last-child::before{display:none}
  .legal{padding-bottom:64px}
}