/* ==========================================================================
   Esteban Jiménez — Planificación financiera y seguros
   Tipografía: Newsreader (títulos y cifras) + Hanken Grotesk (texto)
   Paleta: azul tinta del logo + latón (solo para lo que crece: curva, cifras)
   ========================================================================== */

:root{
  --ink:#0F2537;          /* azul del logo */
  --ink-2:#163149;        /* superficie elevada sobre la tinta */
  --paper:#EFF3F6;        /* fondo frío de apoyo */
  --white:#FFFFFF;
  --line:#D9E1E8;
  --text:#14283A;
  --muted:#566879;
  --brass:#D0A64F;        /* latón, sobre fondos oscuros */
  --brass-ink:#7E5F1B;    /* latón, sobre fondos claros */
  --focus:#2F86D6;
  --ok:#5FD39A;
  --whatsapp:#25D366;

  --serif:'Newsreader','Source Serif 4','Bitstream Charter',Charter,Georgia,serif;
  --sans:'Hanken Grotesk','Inter',system-ui,-apple-system,'Segoe UI',sans-serif;

  --r-sm:6px; --r-md:10px; --r-lg:16px; --r-xl:22px;
  --section-y:clamp(64px,9vw,112px);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--sans);font-size:1rem;background:var(--white);color:var(--text);line-height:1.62;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--ink);letter-spacing:-.012em;line-height:1.12}
.container{max-width:1160px;margin:0 auto;padding:0 24px}
section[id],div[id]{scroll-margin-top:84px}

/* ---------- Navegación ---------- */
.navbar{background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line);padding:14px 0;position:sticky;top:0;z-index:100}
.nav-container{display:flex;justify-content:space-between;align-items:center;gap:16px}
.brand-link{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.brand-logo{width:44px;height:44px;object-fit:contain}
.brand-name{display:block;font-family:var(--serif);font-weight:600;font-size:1.28rem;color:var(--ink);line-height:1.15;letter-spacing:-.01em}
.brand-title{display:block;font-size:.6rem;letter-spacing:.07em;font-weight:600;color:var(--muted)}
.nav-actions{display:flex;align-items:center;gap:4px;justify-content:flex-end}
.nav-link{padding:8px 12px;font-size:.93rem;font-weight:500;color:var(--text);text-decoration:none;white-space:nowrap;background:linear-gradient(var(--brass),var(--brass)) no-repeat 12px calc(100% - 3px)/0 2px;transition:background-size .25s ease,color .2s}
.nav-link:hover,.nav-link.active{color:var(--ink);background-size:calc(100% - 24px) 2px}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;flex-direction:column;gap:5px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:transform .25s,opacity .2s}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (min-width:1181px){.nav-actions{flex-wrap:nowrap}.nav-link{padding:8px 10px;font-size:.9rem}.nav-actions .btn{white-space:nowrap;margin-left:10px}}
@media (max-width:1180px){
  .nav-toggle{display:flex}
  .nav-actions{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:6px;padding:14px 24px 22px;background:var(--white);border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(15,37,55,.1)}
  .nav-actions.open{display:flex}
  .nav-link{padding:12px 4px;font-size:1rem;background-position:4px calc(100% - 6px)}
  .nav-actions .btn{padding:13px;margin-top:6px}
}
@media (max-width:480px){.brand-title{display:none}}

/* ---------- Botones ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 20px;border-radius:var(--r-md);font-weight:600;font-size:.92rem;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .2s,color .2s,border-color .2s;gap:8px;font-family:inherit;line-height:1.3}
.btn-lg{padding:15px 26px;font-size:1rem}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:#1D4466}
.btn-ghost{border-color:#A9B8C5;color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--white);border-color:var(--ink)}
.btn-outline{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-whatsapp{background:var(--whatsapp);color:#073B1C;margin-top:20px}
.btn-whatsapp:hover{background:#3ADE7A}
.btn-full{width:100%}
.btn:disabled{opacity:.45;cursor:not-allowed}

/* ---------- Encabezados de sección ---------- */
.section-title{margin:0 auto 56px;max-width:720px}
.section-title h2{font-size:clamp(1.9rem,3.6vw,2.75rem)}
.section-title p{color:var(--muted);margin-top:14px;font-size:1.06rem;line-height:1.6}
.text-center{text-align:center}

/* ---------- Hero ---------- */
.hero{padding:clamp(28px,3.5vw,48px) 0 clamp(48px,6vw,80px);background:var(--paper)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(40px,6vw,88px);align-items:center}
.hero-text h1{font-size:clamp(2.6rem,5.4vw,4.35rem);line-height:1.03;letter-spacing:-.025em;margin-bottom:26px;max-width:15ch}
.hero-text p{color:var(--muted);font-size:1.14rem;max-width:52ch;margin-bottom:34px}
.hero-buttons{display:flex;gap:12px;flex-wrap:wrap}

.hero-card{background:var(--ink);color:#fff;border-radius:var(--r-xl);padding:clamp(24px,3vw,36px);box-shadow:0 30px 60px -30px rgba(15,37,55,.55)}
.growth{margin:0}
.growth-cap{font-size:.95rem;line-height:1.5;color:rgba(255,255,255,.78);max-width:40ch;margin-bottom:18px}
.growth-cap strong{color:#fff;font-weight:600}
.growth-svg{width:100%;height:auto;display:block;overflow:visible}
.g-grid{stroke:rgba(255,255,255,.16);stroke-width:1}
.g-dash{stroke-dasharray:2 6}
.g-aportes{fill:none;stroke:rgba(255,255,255,.5);stroke-width:2;stroke-dasharray:5 6;stroke-linecap:round}
.g-curve{fill:none;stroke:var(--brass);stroke-width:3.5;stroke-linecap:round;stroke-linejoin:round}
.g-dot{fill:var(--brass)}
.g-dot-ring{fill:none;stroke:var(--brass);stroke-opacity:.35;stroke-width:1.5}
.g-dot-base{fill:rgba(255,255,255,.7)}
.growth-axis{display:flex;justify-content:space-between;font-size:.78rem;color:rgba(255,255,255,.55);margin-top:8px;padding:0 2px}
.growth-legend{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14)}
.growth-legend dt{display:flex;align-items:center;gap:8px;font-size:.84rem;color:rgba(255,255,255,.72)}
.growth-legend dd{font-family:var(--serif);font-size:clamp(1.45rem,2.4vw,1.85rem);font-weight:500;margin-top:4px;line-height:1.15;letter-spacing:-.01em}
.growth-legend .dd-capital{color:var(--brass)}
.key{width:18px;height:0;border-top:2px dashed rgba(255,255,255,.55);display:inline-block}
.key-capital{border-top:3px solid var(--brass)}
.hero-person{display:flex;align-items:center;gap:14px;margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14)}
.avatar-container{width:56px;height:56px;border-radius:50%;overflow:hidden;flex-shrink:0;background:var(--ink-2);box-shadow:0 0 0 2px var(--brass)}
.profile-img-hero{width:100%;height:100%;object-fit:cover}
.profile-name{font-family:var(--serif);font-size:1.15rem;font-weight:600;line-height:1.2}
.profile-subtitle{font-size:.82rem;color:rgba(255,255,255,.68);line-height:1.4;margin-top:2px}

@media (prefers-reduced-motion:no-preference){
  .g-curve{stroke-dasharray:1;animation:trazar 2s .35s cubic-bezier(.35,.05,.2,1) both}
  .g-dot,.g-dot-ring,.g-dot-base{animation:aparecer .5s 2.1s ease-out both}
}
@keyframes trazar{from{stroke-dashoffset:1}to{stroke-dashoffset:0}}
@keyframes aparecer{from{opacity:0}to{opacity:1}}

/* ---------- Sobre mí ---------- */
.about-section{padding:var(--section-y) 0;background:var(--white)}
.about-grid{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:clamp(40px,7vw,96px);align-items:start}
.about-image-wrapper{position:relative}
.about-img{width:100%;height:auto;max-width:300px;aspect-ratio:4/5;object-fit:cover;object-position:50% 12%;border-radius:var(--r-sm);background:var(--ink)}
.experience-badge{position:absolute;left:18px;bottom:-22px;background:var(--ink);color:#fff;padding:12px 18px;border-radius:var(--r-md);display:flex;align-items:center;gap:12px;box-shadow:0 14px 26px -10px rgba(15,37,55,.5)}
.exp-number{font-family:var(--serif);font-size:2rem;font-weight:500;color:var(--brass);line-height:1}
.exp-text{font-size:.8rem;font-weight:600;line-height:1.25;max-width:9ch}
.about-content h2{font-size:clamp(2rem,3.8vw,3rem);margin-bottom:18px}
.about-lead{font-family:var(--serif);font-size:clamp(1.25rem,2vw,1.5rem);line-height:1.4;color:var(--ink);margin-bottom:20px;max-width:46ch}
.about-content p{color:var(--muted);margin-bottom:16px;max-width:62ch}
.about-content .about-lead{color:var(--ink)}
.profile-quote{margin:30px 0 4px;padding:2px 0 2px 22px;border-left:2px solid var(--brass);font-family:var(--serif);font-style:italic;font-size:1.3rem;line-height:1.4;color:var(--ink);max-width:40ch}
.about-stats{display:flex;gap:clamp(28px,5vw,56px);flex-wrap:wrap;margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.stat-num{font-family:var(--serif);font-size:2.4rem;font-weight:500;color:var(--ink);line-height:1.1;letter-spacing:-.015em}
.stat-item p{font-size:.86rem;color:var(--muted);margin:2px 0 0}

/* ---------- Calculadoras ---------- */
.calculator-section{padding:var(--section-y) 0;background:var(--ink)}
.calculator-section .section-title h2{color:#fff}
.calculator-section .section-title p{color:rgba(255,255,255,.72)}
.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:stretch}
.calc-inputs-card{background:var(--white);padding:clamp(22px,3vw,34px);border-radius:var(--r-lg)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field-group{margin-bottom:20px}
.field-group label{display:block;font-weight:600;font-size:.87rem;margin-bottom:7px;color:var(--ink)}
.input-wrapper{display:flex;align-items:center;border:1px solid var(--line);border-radius:var(--r-md);padding:0 14px;background:var(--paper);transition:border-color .2s,box-shadow .2s,background .2s}
.input-wrapper:focus-within{border-color:var(--focus);background:#fff;box-shadow:0 0 0 3px rgba(47,134,214,.2)}
.input-wrapper input,.input-wrapper select{width:100%;padding:12px 0;border:none;background:transparent;font-size:1.05rem;font-weight:600;color:var(--ink);outline:none;font-family:inherit;min-width:0}
.input-wrapper select{cursor:pointer}
.currency,.unit{font-weight:600;color:var(--muted);font-size:.88rem;white-space:nowrap}
.currency{margin-right:6px}
.unit{margin-left:8px}
.field-help{display:block;font-size:.78rem;color:var(--muted);margin-top:5px;line-height:1.4}

.goal-fields{border:1px solid var(--line);border-radius:var(--r-md);padding:18px 18px 0;margin:6px 0 22px;background:#F8FAFB}
.goal-fields-title{font-family:var(--serif);font-weight:600;font-size:1.08rem;color:var(--ink);margin-bottom:14px}

.rate-select-label{font-size:.87rem;font-weight:600;color:var(--ink);margin-bottom:8px}
.rate-pills{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;padding:4px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md)}
.rate-pill{padding:11px 0;border-radius:7px;border:0;background:transparent;color:var(--muted);font-weight:700;font-size:1rem;cursor:pointer;font-family:inherit;transition:background .2s,color .2s}
.rate-pill:hover{color:var(--ink)}
.rate-pill.active{background:var(--ink);color:#fff}

.calc-results-card{background:var(--ink-2);color:#fff;padding:clamp(22px,3vw,34px);border-radius:var(--r-lg);border:1px solid rgba(255,255,255,.08);display:flex;flex-direction:column}
.calc-results-card h3{font-size:1.4rem;color:#fff;margin-bottom:4px}
.result-metric{margin:14px 0 22px}
.metric-label{display:block;font-size:.88rem;color:rgba(255,255,255,.7)}
.metric-value{display:block;font-family:var(--serif);font-size:clamp(2.4rem,5vw,3.5rem);font-weight:500;color:var(--brass);line-height:1.08;letter-spacing:-.02em;margin-top:2px;font-variant-numeric:lining-nums}
.breakdown-item{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:9px 0;font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.82)}
.breakdown-item strong{color:#fff;font-weight:600;text-align:right;font-variant-numeric:tabular-nums}
.sub-item{padding-left:0}
.highlight-text,.breakdown-item strong.highlight-text{color:var(--brass)}
.rentas-header{font-family:var(--serif);font-size:1.1rem;font-weight:600;color:#fff;margin:24px 0 4px}
.calc-disclaimer{font-size:.76rem;color:rgba(255,255,255,.62);margin-top:16px;line-height:1.5}
.calc-note{font-size:.9rem;line-height:1.45;margin:20px 0 0;padding:12px 16px;border-left:2px solid var(--brass);background:rgba(255,255,255,.06);border-radius:0 var(--r-sm) var(--r-sm) 0}

.scen-box{margin:4px 0 0}
.scen-table{width:100%;border-collapse:collapse;font-size:.88rem;margin-top:6px}
.scen-table th,.scen-table td{padding:10px 8px;text-align:right;border-bottom:1px solid rgba(255,255,255,.1)}
.scen-table th:first-child{text-align:left;font-weight:500;color:rgba(255,255,255,.72)}
.scen-table thead th{font-family:var(--serif);font-size:1.05rem;font-weight:600;color:#fff}
.scen-table td{font-weight:600;font-variant-numeric:tabular-nums}
.scen-table .sel{background:rgba(208,166,79,.15);color:#fff}
.scen-table thead .sel{box-shadow:inset 0 2px 0 var(--brass)}
.scen-table tr[hidden]{display:none}

.goal-box{margin:22px 0 0;padding:18px;border-radius:var(--r-md);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.goal-box[hidden]{display:none}
.goal-status{font-family:var(--serif);font-weight:500;font-size:1.2rem;line-height:1.35;margin-bottom:14px}
.goal-status.ok{color:var(--ok)}
.goal-status.gap{color:var(--brass)}
.goal-bar{height:8px;border-radius:6px;background:rgba(255,255,255,.14);overflow:hidden;margin-bottom:10px}
.goal-bar-fill{height:100%;width:0;border-radius:6px;background:var(--brass);transition:width .45s ease}
.goal-bar-fill.ok{background:var(--ok)}
.goal-wait{font-size:.84rem;color:rgba(255,255,255,.78);margin:12px 0 0;line-height:1.5}
.goal-wait:empty{display:none}

@media (min-width:901px){.calculator-section .calculator-grid{align-items:start}.calculator-section .calc-inputs-card{position:sticky;top:100px}}

/* ---------- Vida y protección ---------- */
.life-section{padding:var(--section-y) 0;background:var(--paper)}
.life-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(28px,4vw,56px);margin-bottom:44px}
.life-card{border-top:2px solid var(--ink);padding-top:26px;text-align:left}
.life-icon{width:38px;height:38px;color:var(--brass-ink);margin-bottom:18px}
.life-card h3{font-size:1.4rem;margin-bottom:10px}
.life-card p{color:var(--muted);font-size:.97rem;max-width:36ch}
.life-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:12px}
.section-divider{display:flex;align-items:center;gap:20px;margin:80px 0 40px;color:var(--ink);font-family:var(--serif);font-size:1.3rem;font-weight:500}
.section-divider::before,.section-divider::after{content:"";flex:1;height:1px;background:#C4CFD9}
.calc-panel{background:var(--white);border-radius:var(--r-xl);padding:clamp(24px,4vw,52px);box-shadow:0 30px 60px -36px rgba(15,37,55,.3)}
.calc-panel-head{text-align:center;max-width:640px;margin:0 auto 36px}
.calc-panel-head h3{font-size:clamp(1.6rem,3vw,2.1rem);margin-bottom:10px}
.calc-panel-head p{color:var(--muted)}
.calc-panel .calc-inputs-card{padding:0;background:transparent;border-radius:0}

/* ---------- Patrimoniales ---------- */
.patrimoniales-section{padding:var(--section-y) 0;background:var(--white)}
.tab-buttons{display:flex;justify-content:center;gap:clamp(20px,5vw,44px);margin-bottom:12px;border-bottom:1px solid var(--line)}
.tab-btn{padding:14px 2px;border:0;border-bottom:2px solid transparent;margin-bottom:-1px;background:transparent;font-family:var(--serif);font-weight:500;font-size:1.2rem;color:var(--muted);cursor:pointer;transition:color .2s,border-color .2s}
.tab-btn:hover{color:var(--ink)}
.tab-btn.active{color:var(--ink);border-bottom-color:var(--brass)}
.tab-content{display:none}
.tab-content.active{display:block}
.insurance-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:clamp(32px,6vw,80px)}
.insurance-card{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:28px 0;border-bottom:1px solid var(--line)}
.insurance-card h3{font-size:1.3rem;margin-bottom:6px}
.insurance-card p{font-size:.93rem;color:var(--muted);max-width:40ch}
.insurance-card .btn{flex-shrink:0;padding:10px 16px;font-size:.86rem}

/* ---------- Coberturas ---------- */
.coverage-section{padding:var(--section-y) 0;background:var(--paper)}
.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:44px clamp(24px,3vw,40px)}
.coverage-col{border-top:2px solid var(--ink);padding-top:20px}
.coverage-col h3{font-size:1.2rem;margin-bottom:14px}
.coverage-wide{grid-column:1/-1}
.check-list{list-style:none}
.check-list li{position:relative;padding:5px 0 5px 20px;font-size:.93rem;color:var(--text);line-height:1.45}
.check-list li::before{content:"";position:absolute;left:0;top:.95em;width:10px;height:2px;background:var(--brass-ink)}
.check-list.two-cols{columns:3;column-gap:40px}
.check-list.two-cols li{break-inside:avoid}

/* ---------- Compañías ---------- */
.insurers-section{padding:var(--section-y) 0;background:var(--white)}
.insurers-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.insurer{padding:26px 22px;min-height:96px;display:flex;flex-direction:column;justify-content:center;gap:6px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.insurer strong{font-family:var(--serif);font-size:1.18rem;font-weight:500;color:var(--ink);line-height:1.25}
.insurer small{color:var(--muted);font-size:.74rem;line-height:1.4}

/* ---------- Por qué elegirme / pilares ---------- */
.why-section{padding:var(--section-y) 0;background:var(--paper)}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(24px,3vw,44px)}
.why-card{border-top:2px solid var(--ink);padding-top:22px}
.why-card h3{font-size:1.25rem;margin-bottom:10px}
.why-card p{color:var(--muted);font-size:.95rem}

.pillars-section{padding:var(--section-y) 0;background:var(--ink)}
.pillars-section .section-title h2{color:#fff}
.pillars-section .section-title p{color:rgba(255,255,255,.72)}
.pillars-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(28px,4vw,56px)}
.pillar-card{border-top:2px solid var(--brass);padding-top:24px}
.pillar-card h3{font-size:1.45rem;color:#fff;margin-bottom:10px}
.pillar-card p{color:rgba(255,255,255,.74);font-size:.98rem;max-width:36ch}

/* ---------- Proceso (secuencia real: lleva números) ---------- */
.process-section{padding:var(--section-y) 0;background:var(--white)}
.steps-grid{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(20px,3vw,40px)}
.step{position:relative;text-align:left}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;border:1.5px solid var(--ink);color:var(--ink);font-family:var(--serif);font-weight:500;font-size:1.3rem;margin-bottom:18px;background:var(--white)}
.step:not(:last-child)::after{content:"";position:absolute;top:23px;left:58px;right:-14px;height:1px;background:var(--line)}
.step h3{font-size:1.3rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.95rem}

/* ---------- Preguntas ---------- */
.faq-section{padding:var(--section-y) 0;background:var(--paper)}
.faq-container{max-width:820px}
.faq-item{border-bottom:1px solid #C4CFD9}
.faq-item:first-of-type{border-top:1px solid #C4CFD9}
.faq-item summary{cursor:pointer;font-family:var(--serif);font-weight:500;font-size:1.28rem;color:var(--ink);padding:22px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-family:var(--sans);font-weight:300;font-size:1.7rem;line-height:1;color:var(--brass-ink);flex-shrink:0}
.faq-item[open] summary::after{content:"–"}
.faq-item p{color:var(--muted);padding:0 0 24px;max-width:64ch}

/* ---------- Contacto ---------- */
.contact-section{padding:var(--section-y) 0;background:var(--white)}
.contact-card{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(36px,7vw,96px);align-items:center}
.contact-copy h2{font-size:clamp(2rem,3.8vw,3rem);margin-bottom:16px}
.contact-copy p{color:var(--muted);font-size:1.08rem;max-width:44ch}
.form-grid{display:flex;flex-direction:column;gap:14px;background:var(--paper);padding:clamp(22px,3vw,34px);border-radius:var(--r-lg)}
.form-group{width:100%}
.form-grid input,.form-select{width:100%;padding:14px 16px;border:1px solid var(--line);border-radius:var(--r-md);font-size:.97rem;font-family:inherit;background:#fff;color:var(--text);outline:none;transition:border-color .2s,box-shadow .2s}
.form-grid input:focus,.form-select:focus{border-color:var(--focus);box-shadow:0 0 0 3px rgba(47,134,214,.2)}
.form-select{cursor:pointer}
.form-grid input,.form-select{height:52px}
.form-grid .btn{padding:15px;margin-top:4px;font-size:1rem}

/* ---------- Flotantes ---------- */
.back-to-top{position:fixed;right:35px;bottom:100px;width:44px;height:44px;border-radius:50%;background:var(--ink);color:#fff;font-size:1.3rem;display:flex;align-items:center;justify-content:center;text-decoration:none;box-shadow:0 6px 16px rgba(15,37,55,.3);z-index:998;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .3s,transform .3s,visibility .3s}
.back-to-top.visible{opacity:1;visibility:visible;transform:none}
.back-to-top:hover{background:#1D4466}
.whatsapp-float{position:fixed;width:60px;height:60px;bottom:25px;right:25px;background:var(--whatsapp);color:#fff;border-radius:50%;box-shadow:0 6px 18px rgba(37,211,102,.4);z-index:999;display:flex;align-items:center;justify-content:center;transition:transform .3s,box-shadow .3s;text-decoration:none}
.whatsapp-float:hover{transform:scale(1.08);box-shadow:0 8px 22px rgba(37,211,102,.55)}

/* ---------- Pie ---------- */
footer{background:var(--ink);color:#fff;padding:44px 0;text-align:center;font-size:.88rem}
.footer-disclaimer{color:rgba(255,255,255,.66);margin:12px auto 0;max-width:720px;font-size:.76rem;line-height:1.55}

/* ---------- Accesibilidad ---------- */
.skip-link{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:var(--r-md);z-index:2000;text-decoration:none;font-weight:600}
.skip-link:focus{left:12px}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.calc-results-card :focus-visible,.pillars-section :focus-visible,footer :focus-visible{outline-color:var(--brass)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* ---------- Responsive ---------- */
@media (max-width:1000px){
  .coverage-grid{grid-template-columns:repeat(2,1fr)}
  .why-grid{grid-template-columns:repeat(2,1fr);row-gap:40px}
  .insurers-grid{grid-template-columns:repeat(3,1fr)}
  .check-list.two-cols{columns:2}
  .steps-grid{grid-template-columns:repeat(2,1fr);row-gap:36px}
  .step:not(:last-child)::after{display:none}
}
@media (max-width:900px){
  .hero-grid,.calculator-grid,.contact-card{grid-template-columns:1fr}
  .about-grid{grid-template-columns:1fr}
  .about-image-wrapper{max-width:260px;margin-bottom:20px}
  .about-img{max-width:260px}
  .insurance-grid{grid-template-columns:1fr}
  .life-grid,.pillars-grid{grid-template-columns:1fr}
  .life-card p,.pillar-card p{max-width:none}
  .hero-text h1{max-width:none}
}
@media (max-width:600px){
  .container{padding:0 18px}
  .field-row{grid-template-columns:1fr;gap:0}
  .coverage-grid,.why-grid,.steps-grid{grid-template-columns:1fr}
  .insurers-grid{grid-template-columns:repeat(2,1fr)}
  .insurer{padding:20px 16px}
  .insurer strong{font-size:1.05rem}
  .check-list.two-cols{columns:1}
  .insurance-card{flex-direction:column;align-items:flex-start;gap:16px}
  .hero-buttons .btn{width:100%}
  .growth-legend{gap:14px}
  .calc-panel{padding:22px 16px}
  .scen-table{font-size:.78rem}
  .scen-table th,.scen-table td{padding:9px 4px}
  .scen-table th:first-child{max-width:88px}
  .section-divider{font-size:1.1rem;margin:56px 0 32px}
  .life-actions .btn{width:100%}
}