:root{
    --navy: #1D4972;
    --navy-deep: #163A5A;
    --blue: #2E6FA8;
    --gold: #B8863B;
    --gold-soft: #E8D9BC;
    --bg: #F5F7FA;
    --bg-panel: #ECEFF3;
    --ink: #15202B;
    --ink-soft: #51626F;
    --white: #FFFFFF;
    --serif: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --sans: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --maxw: 1120px;
  }

  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    margin:0;
    font-family:var(--sans);
    color:var(--ink);
    background:var(--bg);
    line-height:1.55;
  }
  img{max-width:100%;display:block;}
  a{color:inherit;}
  .wrap{max-width:var(--maxw); margin:0 auto; padding:0 28px;}
  h1,h2,h3{
    font-family:var(--serif);
    font-weight:700;
    line-height:1.18;
    letter-spacing:-0.01em;
    margin:0 0 18px;
    color:var(--navy);
  }
  h2{font-size:clamp(1.6rem, 2.6vw, 2.2rem); font-weight:700;}
  p{margin:0 0 16px; color:var(--ink-soft); max-width:62ch;}
  .btn{
    display:inline-block;
    padding:14px 26px;
    border-radius:2px;
    font-weight:600;
    font-size:0.98rem;
    text-decoration:none;
    transition:background .18s ease, color .18s ease, border-color .18s ease;
  }
  .btn-primary{background:var(--gold); color:var(--navy);}
  .btn-primary:hover{background:#a3772f;}
  .btn-ghost{border:1.5px solid rgba(255,255,255,.55); color:var(--white); margin-left:12px;}
  .btn-ghost:hover{border-color:var(--white); background:rgba(255,255,255,.08);}
  .btn-outline{border:1.5px solid var(--navy); color:var(--navy);}
  .btn-outline:hover{background:var(--navy); color:var(--white);}

  /* Header */
  header{
    position:sticky; top:0; z-index:50;
    background:var(--white);
    border-bottom:1px solid #E2E6EA;
  }
  .nav-row{display:flex; align-items:center; justify-content:space-between; padding:16px 28px; max-width:var(--maxw); margin:0 auto;}
  .brand{display:flex; align-items:center; text-decoration:none;}
  .logo-img{height:42px; width:auto;}
  nav.links{display:flex; gap:26px; font-size:.92rem; font-weight:500;}
  nav.links a{text-decoration:none; color:var(--ink); position:relative;}
  nav.links a:hover{color:var(--blue);}
  .nav-cta{display:flex; align-items:center; gap:14px;}
  .phone-link{font-weight:600; font-size:.92rem; color:var(--navy); text-decoration:none; white-space:nowrap;}
  @media (max-width:880px){ nav.links{display:none;} }

  /* Hero */
  .hero{background:var(--white);}
  .hero-grid{
    max-width:var(--maxw); margin:0 auto; padding:64px 28px 72px;
    display:grid; grid-template-columns:1.15fr 0.85fr; gap:56px; align-items:center;
  }
  .hero h1{font-size:clamp(2.1rem, 4vw, 3rem); margin-bottom:20px;}
  .hero p.lead{font-size:1.08rem; max-width:52ch;}
  .hero-ctas{margin-top:28px;}
  .hero-ctas .btn-outline{margin-left:12px;}

  .hero-panel{
    background:var(--navy);
    border-radius:4px;
    overflow:hidden;
    position:relative;
  }
  .hero-photo{
    width:100%;
    height:340px;
    object-fit:cover;
    object-position:center 18%;
    display:block;
  }
  .hero-panel-body{padding:26px 30px 30px;}
  .hero-panel-body .rating-row{margin-top:0;}
  .rating-row{display:flex; align-items:baseline; gap:10px; margin:20px 0 10px;}
  .rating-row .num{font-family:var(--serif); font-size:2.6rem; color:var(--gold); line-height:1;}
  .rating-row .label{font-size:.82rem; color:rgba(255,255,255,.65); max-width:20ch;}

  /* Section shell */
  section{padding:64px 0;}
  .section-head{max-width:680px; margin-bottom:38px;}
  .section-head .kicker{font-size:.85rem; font-weight:600; color:var(--gold); margin-bottom:8px;}

  /* Featured (Ahorro e inversión) */
  .featured{
    background:var(--navy);
    color:var(--white);
    padding:76px 0;
  }
  .featured h2{color:var(--white);}
  .featured .section-head p{color:rgba(255,255,255,.72);}
  .featured-grid{display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start;}
  .featured-list{list-style:none; margin:0; padding:0;}
  .featured-list li{
    padding:16px 0; border-top:1px solid rgba(255,255,255,.14);
    display:grid; grid-template-columns:120px 1fr; gap:18px;
  }
  .featured-list li:last-child{border-bottom:1px solid rgba(255,255,255,.14);}
  .featured-list .term{font-family:var(--serif); color:var(--gold); font-size:1rem;}
  .featured-list .desc{color:rgba(255,255,255,.72); font-size:.92rem; margin:0;}
  .featured-note{
    border-left:3px solid var(--gold);
    padding:4px 0 4px 20px;
    margin-top:6px;
  }
  .featured-note p{color:rgba(255,255,255,.85); font-size:.95rem; margin-bottom:0;}

  /* Empresas / Protección — asymmetric blocks, not identical cards */
  .block-row{
    display:grid; grid-template-columns:0.9fr 1.1fr; gap:52px; align-items:center;
  }
  .block-row.reverse{grid-template-columns:1.1fr 0.9fr;}
  .block-row.reverse .block-text{order:2;}
  .block-row.reverse .block-list{order:1;}
  .block-text .kicker{font-size:.85rem; font-weight:600; color:var(--blue); margin-bottom:8px;}
  .block-list{
    background:var(--white);
    border:1px solid #E2E6EA;
    border-left:4px solid var(--blue);
    padding:8px 0;
  }
  .block-row.reverse .block-list{border-left:none; border-right:4px solid var(--gold);}
  .block-list ul{list-style:none; margin:0; padding:0;}
  .block-list li{
    padding:16px 26px; font-size:.95rem; font-weight:500; color:var(--ink);
    border-bottom:1px solid #EEF1F4;
  }
  .block-list li:last-child{border-bottom:none;}

  @media (max-width:820px){
    .hero-grid, .featured-grid, .block-row, .block-row.reverse{grid-template-columns:1fr !important;}
    .block-row.reverse .block-text, .block-row.reverse .block-list{order:initial;}
  }

  /* Otras coberturas — deliberately understated, not a card grid */
  .minor{
    background:var(--bg-panel);
    padding:34px 0 46px;
  }
  .minor .wrap{
    display:flex; flex-wrap:wrap; align-items:baseline; gap:10px 8px;
  }
  .minor strong{font-family:var(--serif); color:var(--navy); font-size:1.05rem; margin-right:6px;}
  .minor span.item{font-size:.92rem; color:var(--ink-soft);}
  .minor span.item:not(:last-child)::after{content:"·"; margin-left:10px; color:#C3CCD3;}
  .minor .aside{width:100%; font-size:.88rem; color:var(--ink-soft); margin-top:10px;}

  /* Cómo trabajo — genuine sequence, numbers earned */
  .steps{display:grid; grid-template-columns:repeat(4,1fr); gap:30px;}
  .step .n{font-family:var(--serif); font-size:1.6rem; color:var(--gold); margin-bottom:10px;}
  .step h3{font-size:1.05rem; margin-bottom:8px;}
  .step p{font-size:.92rem;}
  @media (max-width:820px){ .steps{grid-template-columns:1fr 1fr;} }
  @media (max-width:520px){ .steps{grid-template-columns:1fr;} }

  /* Sobre mí */
  .about{background:var(--white);}
  .about-grid{display:grid; grid-template-columns:0.85fr 1.15fr; gap:52px; align-items:center;}
  .about-panel{
    background:var(--bg-panel);
    padding:26px 30px;
    border-radius:4px;
  }
  .about-photo{
    width:100%;
    border-radius:4px;
    margin-bottom:18px;
    object-fit:cover;
    max-height:360px;
  }
  .about-panel .rating-row .num{color:var(--navy);}
  .about-panel .rating-row{color:var(--navy);}
  .about-panel .rating-row .label{color:var(--ink-soft);}
  .about-panel p.source{font-size:.78rem; color:var(--ink-soft); margin-top:14px; margin-bottom:0;}

  /* Contacto */
  .contact{background:var(--navy); color:var(--white); padding:70px 0;}
  .contact h2{color:var(--white);}
  .contact .section-head p{color:rgba(255,255,255,.72);}
  .contact-grid{display:grid; grid-template-columns:1fr 1fr; gap:52px;}
  .contact-info dl{margin:0;}
  .contact-info dt{font-size:.78rem; text-transform:uppercase; letter-spacing:.04em; color:var(--gold); margin-top:22px;}
  .contact-info dt:first-child{margin-top:0;}
  .contact-info dd{margin:6px 0 0; font-size:1rem; color:rgba(255,255,255,.9);}
  .contact-info a{color:rgba(255,255,255,.9); text-decoration:none; border-bottom:1px solid rgba(255,255,255,.3);}
  .contact-info a:hover{border-color:var(--white);}

  form.contact-form{display:flex; flex-direction:column; gap:14px;}
  form.contact-form input, form.contact-form textarea{
    background:rgba(255,255,255,.06);
    border:1px solid rgba(255,255,255,.25);
    border-radius:2px;
    padding:13px 14px;
    color:var(--white);
    font-family:var(--sans);
    font-size:.95rem;
  }
  form.contact-form input::placeholder, form.contact-form textarea::placeholder{color:rgba(255,255,255,.45);}
  form.contact-form textarea{min-height:110px; resize:vertical;}
  form.contact-form button{
    align-self:flex-start;
    background:var(--gold); color:var(--navy);
    border:none; padding:14px 26px; font-weight:600; font-size:.98rem;
    border-radius:2px; cursor:pointer;
  }
  form.contact-form button:hover{background:#a3772f;}

  /* Footer */
  footer{background:#0A1E33; color:rgba(255,255,255,.6); padding:34px 0; font-size:.85rem;}
  footer .wrap{display:flex; flex-wrap:wrap; justify-content:space-between; gap:16px; align-items:center;}
  footer a{color:rgba(255,255,255,.6); text-decoration:none; margin-left:18px;}
  footer a:hover{color:var(--white);}
  footer .legal-links{display:flex; flex-wrap:wrap;}

  /* Accessible focus */
  a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible{
    outline:2px solid var(--gold); outline-offset:2px;
  }

  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
  }

/* ---- Internal pages (ahorro / empresas / proteccion) ---- */
.page-hero{
  background:var(--navy);
  color:var(--white);
  padding:44px 0 54px;
}
.breadcrumb{font-size:.85rem; color:rgba(255,255,255,.6); margin-bottom:18px;}
.breadcrumb a{color:rgba(255,255,255,.8); text-decoration:none;}
.breadcrumb a:hover{color:var(--white);}
.page-hero h1{color:var(--white); font-size:clamp(1.8rem, 3.4vw, 2.5rem); margin-bottom:14px;}
.page-hero p.lead{color:rgba(255,255,255,.78); font-size:1.05rem; max-width:60ch; margin-bottom:0;}

.content-section{padding:56px 0;}
.content-grid{display:grid; grid-template-columns:1fr 1fr; gap:44px;}
.content-grid.stack{display:block;}
.prose h2{font-size:1.4rem; margin-top:0;}
.prose h3{font-size:1.1rem; margin-bottom:8px;}
.prose p{max-width:68ch;}

.product-card{
  background:var(--white);
  border:1px solid #E2E6EA;
  border-left:4px solid var(--blue);
  padding:22px 24px;
  margin-bottom:16px;
}
.product-card h3{font-size:1.05rem; margin-bottom:8px; color:var(--navy);}
.product-card p{font-size:.92rem; margin-bottom:0;}

.faq{max-width:760px;}
.faq details{
  border-bottom:1px solid #E2E6EA;
  padding:16px 0;
}
.faq summary{
  cursor:pointer;
  font-weight:600;
  color:var(--navy);
  font-size:1rem;
  list-style:none;
  display:flex;
  justify-content:space-between;
  align-items:center;
}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+"; font-size:1.3rem; color:var(--gold); font-weight:400;}
.faq details[open] summary::after{content:"–";}
.faq p{margin-top:12px; font-size:.94rem;}

.subpage-cta{
  background:var(--bg-panel);
  padding:44px 0;
  text-align:center;
}
.subpage-cta h2{margin-bottom:14px;}
.subpage-cta .btns{display:flex; gap:14px; justify-content:center; flex-wrap:wrap;}

@media (max-width:820px){
  .content-grid{grid-template-columns:1fr;}
}