@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@400;500;600;700&family=Inter:wght@300;400;500;600&display=swap');

:root{
  --ink:#0d0d0d;
  --paper:#ffffff;
  --paper-2:#f6f4ef;
  --gold:#a68332;
  --gold-lt:#ba9c44;
  --gold-soft:#dcc389;
  --line:#e4e0d6;
  --muted:#63615a;
  --muted-lt:#a5a29a;
  --shadow:0 20px 50px -30px rgba(0,0,0,.45);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:'Inter',system-ui,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}
body::before{content:'';position:fixed;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold-lt),var(--gold),var(--gold-lt));z-index:99}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}
h1,h2,h3,h4{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1.1;letter-spacing:-.005em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.eyebrow{display:block;font-size:.7rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:18px}
.rule{width:44px;height:1px;background:var(--gold);margin:22px 0}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* ============ NAV ============ */
header.nav{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:82px;padding-top:3px;gap:20px}
.brand{display:flex;align-items:center;gap:13px;flex:none}
.brand img{width:42px}
.brand-txt{font-family:'Cormorant Garamond',serif;font-size:1.2rem;font-weight:600;line-height:1;letter-spacing:.055em;text-transform:uppercase;color:var(--ink)}
.brand-txt small{display:block;font-family:'Inter',sans-serif;font-size:.5rem;letter-spacing:.2em;color:var(--muted);font-weight:500;margin-top:5px}

.menu{display:flex;align-items:center;gap:4px;font-size:.86rem;font-weight:450}
.menu > li{list-style:none;position:relative}
.menu > li > a,.menu > li > button{display:flex;align-items:center;gap:6px;padding:10px 13px;color:var(--muted);background:none;border:0;font:inherit;cursor:pointer;transition:color .2s;white-space:nowrap}
.menu > li > a:hover,.menu > li > button:hover,.menu > li.open > button{color:var(--ink)}
.menu .caret{width:9px;height:9px;border-right:1.4px solid currentColor;border-bottom:1.4px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);transition:transform .25s}
.menu li.open .caret{transform:rotate(-135deg) translate(-3px,-3px)}
.drop{position:absolute;top:100%;left:0;min-width:250px;background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);box-shadow:0 24px 50px -24px rgba(0,0,0,.28);padding:8px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:.22s;list-style:none}
.menu li.open .drop{opacity:1;visibility:visible;transform:translateY(0)}
.drop a{display:block;padding:11px 14px;color:var(--muted);font-size:.88rem;border-radius:2px;transition:.18s}
.drop a:hover{background:var(--paper-2);color:var(--ink);padding-left:19px}
.drop a b{display:block;color:var(--ink);font-weight:500;font-size:.9rem}
.drop a span{font-size:.76rem;color:var(--muted-lt)}

.nav-right{display:flex;align-items:center;gap:12px;flex:none}
.nav-social{display:flex;gap:6px}
.nav-social a{width:34px;height:34px;display:flex;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:50%;color:var(--muted);transition:.25s}
.nav-social svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:1.5}
.nav-social a:hover{border-color:var(--gold);color:var(--gold)}
.nav-cta{background:var(--ink);color:#faf8f3;border-radius:2px;padding:12px 22px;font-size:.8rem;font-weight:500;letter-spacing:.04em;transition:.25s;white-space:nowrap}
.nav-cta:hover{background:var(--gold);color:#fff}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px;flex-direction:column;gap:5px}
.burger span{display:block;width:22px;height:1.5px;background:var(--ink);transition:.25s}

/* ============ HERO ============ */
.hero{position:relative;overflow:hidden;background:linear-gradient(170deg,#141414 0%,#050505 100%);color:#fdfcf8}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(72% 62% at 80% 10%,rgba(166,131,50,.26),transparent 64%)}
.hero-mark{position:absolute;top:50%;right:-4%;transform:translateY(-50%);width:520px;opacity:.055;pointer-events:none;z-index:0}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(2.5rem,5.4vw,4.3rem);font-weight:500}
.hero h1 em{font-style:italic;color:var(--gold-soft)}
.hero .lead{font-size:1.06rem;color:#b9b6ae;font-weight:300;margin:26px 0 34px;max-width:46ch}
.hero .eyebrow{color:var(--gold-soft)}

.hero-home{padding:100px 0 96px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:66px;align-items:center}
.hero-marks{display:flex;gap:28px;flex-wrap:wrap;margin-top:38px;padding-top:26px;border-top:1px solid rgba(224,203,150,.18)}
.hero-marks div{font-size:.76rem;color:var(--muted-lt);letter-spacing:.06em}
.hero-marks b{display:block;font-family:'Cormorant Garamond',serif;font-size:1.5rem;color:var(--gold-soft);font-weight:600;line-height:1.2}

.hero-ramo{padding:78px 0 74px}
.crumbs{font-size:.76rem;color:var(--muted-lt);letter-spacing:.05em;margin-bottom:20px}
.crumbs a{color:var(--gold-soft)}
.crumbs a:hover{text-decoration:underline}
.hero-ramo .btn-gold{margin-top:8px}

/* ============ BOTONES ============ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:2px;padding:14px 28px;font-weight:500;font-size:.9rem;letter-spacing:.04em;font-family:inherit;transition:.25s;cursor:pointer;border:1px solid transparent}
.btn-primary{background:var(--ink);color:#faf8f3}
.btn-primary:hover{background:var(--gold);color:#fff}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#8f6f27}
.btn-ghost{border-color:rgba(224,203,150,.45);color:var(--gold-soft)}
.btn-ghost:hover{border-color:var(--gold-soft);background:rgba(224,203,150,.1)}
.btn-line{border:1px solid var(--ink);color:var(--ink)}
.btn-line:hover{background:var(--ink);color:#faf8f3}
.btn-block{width:100%}

/* ============ FORMULARIO ============ */
.quote-card{background:var(--paper);color:var(--ink);border-radius:3px;padding:36px 32px;box-shadow:0 30px 70px -30px rgba(0,0,0,.6);border-top:3px solid var(--gold)}
.quote-card h3{font-size:1.6rem;margin-bottom:6px}
.quote-card > p{font-size:.85rem;color:var(--muted);margin-bottom:22px}
.field{margin-bottom:13px}
.field label{display:block;font-size:.67rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:2px;background:#fff;font-family:inherit;font-size:.92rem;color:var(--ink);transition:.2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(166,131,50,.12)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.form-note{font-size:.71rem;color:var(--muted);text-align:center;margin-top:13px;line-height:1.5}
.form-ok{display:none;background:#faf7ef;border:1px solid #e4d9bd;border-radius:2px;padding:20px;text-align:center}
.form-ok h4{font-family:'Cormorant Garamond',serif;font-size:1.3rem;margin-bottom:6px;color:var(--gold)}
.form-ok p{font-size:.85rem;color:var(--muted)}

/* ============ SECCIONES ============ */
section{padding:92px 0}
section.tight{padding:70px 0}
.alt{background:var(--paper-2)}
.sec-head{max-width:56ch;margin-bottom:52px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(2rem,4.2vw,3rem);font-weight:500}
.sec-head p{color:var(--muted);font-size:1.02rem;font-weight:300;margin-top:16px}

/* panel visual (reemplazable por foto) */
.panel{position:relative;aspect-ratio:4/3;background:linear-gradient(150deg,#1a1a1a,#070707);overflow:hidden;display:flex;align-items:center;justify-content:center}
.panel::after{content:'';position:absolute;inset:14px;border:1px solid rgba(224,203,150,.22)}
.panel img.wm{width:52%;opacity:.5}
.panel.photo img{width:100%;height:100%;object-fit:cover}
.panel.photo::after{content:none}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split p{color:var(--muted);font-weight:300;margin-bottom:16px}

/* listas de coberturas */
.cover-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.cover{background:var(--paper);padding:34px 30px;transition:.3s}
.cover:hover{background:#fff;box-shadow:var(--shadow);z-index:2}
.cover .ic{width:38px;height:38px;margin-bottom:18px;color:var(--gold)}
.cover .ic svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.3}
.cover h3{font-size:1.3rem;margin-bottom:8px}
.cover p{color:var(--muted);font-size:.9rem;font-weight:300}

.checks{list-style:none}
.checks li{padding:15px 0 15px 30px;border-bottom:1px solid var(--line);position:relative;font-size:.95rem;color:var(--muted);font-weight:300}
.checks li:first-child{border-top:1px solid var(--line)}
.checks li::before{content:'';position:absolute;left:6px;top:23px;width:7px;height:7px;border:1px solid var(--gold);transform:rotate(45deg)}
.checks li b{color:var(--ink);font-weight:600;display:block;margin-bottom:2px;font-size:.96rem}

/* ============ FAQ ============ */
.faq{max-width:860px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:24px 44px 24px 0;position:relative;font-family:'Cormorant Garamond',serif;font-size:1.25rem;font-weight:600;transition:color .2s}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--gold)}
.faq summary::after{content:'';position:absolute;right:8px;top:32px;width:11px;height:11px;border-right:1.4px solid var(--gold);border-bottom:1.4px solid var(--gold);transform:rotate(45deg);transition:transform .25s}
.faq details[open] summary::after{transform:rotate(-135deg);top:36px}
.faq .ans{padding:0 40px 26px 0;color:var(--muted);font-weight:300;font-size:.97rem}

/* ============ ASEGURADORAS ============ */
.carrier-band{background:var(--ink);color:#ddd9d0;text-align:center}
.carrier-band h2{color:#fdfcf8;font-size:clamp(2rem,4vw,3rem);font-weight:500;max-width:20ch;margin:0 auto}
.carrier-band .eyebrow{color:var(--gold-soft)}
.carrier-band p{color:#aeaba3;font-weight:300;max-width:56ch;margin:20px auto 0}
.carrier-num{font-family:'Cormorant Garamond',serif;font-size:clamp(5rem,13vw,9rem);line-height:.9;color:var(--gold-soft);font-weight:500;margin-bottom:6px}
.carrier-num sup{font-size:.34em;vertical-align:super;color:var(--gold)}

.dir-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.dir{background:var(--paper);padding:26px 26px;transition:.25s}
.dir:hover{background:#fff;box-shadow:var(--shadow);z-index:2}
.dir h3{font-size:1.18rem;margin-bottom:10px}
.dir a.tel{display:flex;align-items:center;gap:9px;padding:7px 0;font-size:.92rem;color:var(--muted);transition:.2s}
.dir a.tel:hover{color:var(--gold)}
.dir a.tel svg{width:14px;height:14px;fill:none;stroke:var(--gold);stroke-width:1.6;flex:none}
.dir .tag{font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-lt);font-weight:600}

/* ============ PASOS ============ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:42px}
.step{padding-top:20px;border-top:1px solid var(--line)}
.step .n{font-family:'Cormorant Garamond',serif;font-size:2.5rem;color:var(--gold-soft);line-height:1;display:block;margin-bottom:10px}
.step h3{font-size:1.22rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.92rem;font-weight:300}

/* ============ OTROS RAMOS ============ */
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.rel{border:1px solid var(--line);padding:28px 26px;transition:.28s;background:var(--paper)}
.rel:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow)}
.rel .ic{width:34px;height:34px;color:var(--gold);margin-bottom:14px}
.rel .ic svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.3}
.rel h3{font-size:1.18rem;margin-bottom:6px}
.rel p{color:var(--muted);font-size:.86rem;font-weight:300;margin-bottom:12px}
.rel .go{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);font-weight:600}

/* ============ CTA ============ */
.cta{background:var(--paper-2);text-align:center}
.cta h2{font-size:clamp(2rem,4.4vw,3rem);max-width:22ch;margin:0 auto 16px;font-weight:500}
.cta p{color:var(--muted);max-width:48ch;margin:0 auto 32px;font-weight:300}
.cta-btns{display:flex;gap:13px;justify-content:center;flex-wrap:wrap}
.direct{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:44px;text-align:left}
.direct a{background:var(--paper);padding:28px 24px;transition:.3s}
.direct a:hover{background:#fff;box-shadow:var(--shadow)}
.direct .ic{width:28px;height:28px;color:var(--gold);margin-bottom:14px}
.direct .ic svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.4}
.direct b{display:block;font-family:'Cormorant Garamond',serif;font-size:1.26rem;font-weight:600;margin-bottom:4px}
.direct span{font-size:.86rem;color:var(--muted);font-weight:300;line-height:1.5;display:block}

/* ============ FOOTER ============ */
footer{background:#0a0a0a;color:#b9b6ae;padding:70px 0 0;font-size:.89rem;font-weight:300}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:42px;padding-bottom:50px}
.foot-lock{width:210px;margin-bottom:6px}
.fdesc{color:#87857c;max-width:32ch;margin-top:16px;font-size:.85rem;line-height:1.7}
footer h4{font-family:'Inter',sans-serif;font-size:.65rem;letter-spacing:.2em;text-transform:uppercase;color:#6e6c64;margin-bottom:16px;font-weight:600}
footer a{display:block;padding:6px 0;color:#b9b6ae;transition:color .2s}
footer a:hover{color:var(--gold-soft)}
.foot-social{display:flex;gap:10px;margin-top:18px}
.foot-social a{width:40px;height:40px;display:flex;align-items:center;justify-content:center;border:1px solid #2b2b2b;border-radius:50%;padding:0;transition:.25s}
.foot-social svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:1.5}
.foot-social a:hover{border-color:var(--gold);color:var(--gold-soft)}
.regulated{border-top:1px solid #232323;border-bottom:1px solid #232323;padding:26px 0;display:flex;align-items:center;gap:15px;justify-content:center;text-align:center;flex-wrap:wrap}
.regulated svg{width:26px;height:26px;stroke:var(--gold);fill:none;stroke-width:1.3;flex:none}
.regulated span{font-size:.83rem;color:#cbc8c0;letter-spacing:.03em}
.foot-bot{padding:22px 0 28px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:#6e6c64;font-size:.77rem}

/* ============ WHATSAPP FLOTANTE ============ */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:90;display:flex;align-items:center;background:var(--ink);color:var(--gold-soft);border:1px solid var(--gold);border-radius:999px;padding:14px;box-shadow:0 12px 34px -12px rgba(0,0,0,.55);transition:.3s;overflow:hidden}
.wa-float svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.5;flex:none}
.wa-float span{max-width:0;opacity:0;white-space:nowrap;font-size:.85rem;font-weight:500;transition:.35s}
.wa-float:hover{background:var(--gold);color:#fff}
.wa-float:hover span{max-width:190px;opacity:1;margin-left:10px}

/* ============ RESPONSIVE ============ */
@media(max-width:1080px){
  .menu > li > a,.menu > li > button{padding:10px 9px;font-size:.82rem}
  .nav-social{display:none}
}
@media(max-width:940px){
  .hero-grid,.split{grid-template-columns:1fr;gap:44px}
  .cover-grid,.dir-grid,.rel-grid,.steps{grid-template-columns:repeat(2,1fr)}
  .direct{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .burger{display:flex}
  .nav-cta{display:none}
  .menu{display:none;position:absolute;top:82px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:14px 20px 24px;border-bottom:1px solid var(--line);box-shadow:0 20px 40px -24px rgba(0,0,0,.3);max-height:calc(100vh - 82px);overflow-y:auto}
  .menu.show{display:flex}
  .menu > li > a,.menu > li > button{width:100%;justify-content:space-between;padding:14px 4px;font-size:.95rem;border-bottom:1px solid var(--line)}
  .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-top:0;display:none;padding:4px 0 10px;min-width:0;background:var(--paper-2)}
  .menu li.open .drop{display:block}
}
@media(max-width:640px){
  .wrap{padding:0 22px}
  section{padding:64px 0}
  .cover-grid,.dir-grid,.rel-grid,.steps,.direct,.foot-grid{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .hero-home{padding:64px 0}
  .hero-mark{width:320px;right:-16%;opacity:.045}
  .wa-float{right:16px;bottom:16px;padding:15px}
  .wa-float:hover span{max-width:0;opacity:0;margin-left:0}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}

/* ===== PANEL INFORMATIVO (Empresas) ===== */
.panel-drop{
  position:absolute;top:100%;right:0;left:auto;width:min(760px,calc(100vw - 60px));
  background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);
  box-shadow:0 30px 60px -26px rgba(0,0,0,.32);padding:0;
  opacity:0;visibility:hidden;transform:translateY(-6px);transition:.22s;
}
.menu li.open .panel-drop{opacity:1;visibility:visible;transform:translateY(0)}
.pd-head{padding:28px 32px 22px;border-bottom:1px solid var(--line);background:var(--paper-2)}
.pd-eyebrow{display:block;font-size:.64rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:10px}
.pd-head h4{font-size:1.5rem;font-weight:600;margin-bottom:10px}
.pd-head p{font-size:.88rem;color:var(--muted);font-weight:300;line-height:1.6;max-width:62ch}
.pd-cols{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line)}
.pd-col{background:#fff;padding:22px 26px}
.pd-n{font-family:'Cormorant Garamond',serif;font-size:.9rem;color:var(--gold);letter-spacing:.1em;display:block;margin-bottom:6px}
.pd-col b{display:block;font-family:'Cormorant Garamond',serif;font-size:1.12rem;font-weight:600;margin-bottom:5px}
.pd-col p{font-size:.83rem;color:var(--muted);font-weight:300;line-height:1.55}
.pd-foot{padding:18px 32px;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;border-top:1px solid var(--line)}
.pd-foot span{font-size:.76rem;color:var(--muted-lt);letter-spacing:.03em}
.pd-cta{font-size:.82rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);white-space:nowrap}
.pd-cta:hover{color:var(--ink)}

@media(max-width:940px){
  .panel-drop{position:static;width:auto;opacity:1;visibility:visible;transform:none;
    display:none;box-shadow:none;border:0;border-top:0;background:var(--paper-2)}
  .menu li.open .panel-drop{display:block}
  .pd-head{padding:20px 4px 16px;background:transparent;border-bottom:1px solid var(--line)}
  .pd-head h4{font-size:1.25rem}
  .pd-cols{grid-template-columns:1fr;background:transparent;gap:0}
  .pd-col{background:transparent;padding:16px 4px;border-bottom:1px solid var(--line)}
  .pd-foot{padding:16px 4px;flex-direction:column;align-items:flex-start;gap:10px}
}

/* ===== DIRECTORIO: ajustes ===== */
.dir{display:flex;flex-direction:column}
.dir h3{margin-bottom:6px;min-height:2.4em;display:flex;align-items:flex-start}
.dir .tag{margin-bottom:8px}
.dir a.tel{font-variant-numeric:tabular-nums;letter-spacing:.02em}