/* ============================================================
   SEGUROS FAMILIA — Design System
   Paleta: verde bosque profundo, crema cálida, oro
   ============================================================ */

:root {
  /* Colores */
  --green-950: #0B2B21;
  --green-900: #0E3B2E;
  --green-800: #14503F;
  --green-700: #1B6650;
  --green-100: #DCEAE2;
  --green-50:  #EEF5F0;
  --cream:     #FAF6EE;
  --cream-2:   #F3EDDF;
  --gold:      #C9A24B;
  --gold-2:    #B08A34;
  --gold-soft: #F0E3C4;
  --ink:       #1C2422;
  --ink-soft:  #4A5652;
  --white:     #FFFFFF;
  --line:      rgba(14, 59, 46, 0.14);
  --line-gold: rgba(201, 162, 75, 0.35);

  /* Tipografía */
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Escala fluida */
  --fs-hero:  clamp(2.6rem, 5.6vw, 4.4rem);
  --fs-h2:    clamp(1.9rem, 3.4vw, 2.8rem);
  --fs-h3:    clamp(1.25rem, 2vw, 1.55rem);
  --fs-lead:  clamp(1.06rem, 1.5vw, 1.25rem);
  --fs-body:  1rem;
  --fs-small: 0.875rem;

  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 1px 2px rgba(11, 43, 33, 0.06), 0 4px 14px rgba(11, 43, 33, 0.06);
  --shadow-md: 0 2px 6px rgba(11, 43, 33, 0.08), 0 14px 40px rgba(11, 43, 33, 0.12);
  --maxw: 1160px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; background: var(--green-950); }
body {
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button { font: inherit; cursor: pointer; }
input, select, textarea { font: inherit; }
::selection { background: var(--gold-soft); color: var(--green-950); }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Tipografía ---------- */
h1, h2, h3, .display {
  font-family: var(--font-display);
  font-weight: 560;
  letter-spacing: -0.015em;
  line-height: 1.12;
  color: var(--green-950);
}
h1 { font-size: var(--fs-hero); font-variation-settings: "opsz" 72; }
h2 { font-size: var(--fs-h2); font-variation-settings: "opsz" 40; }
h3 { font-size: var(--fs-h3); }
.accent-italic { font-style: italic; font-weight: 480; color: var(--gold-2); }
.on-dark .accent-italic { color: var(--gold); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--gold-2); margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 28px; height: 1px; background: var(--gold); }

.lead { font-size: var(--fs-lead); color: var(--ink-soft); line-height: 1.6; }
.on-dark h1, .on-dark h2, .on-dark h3 { color: var(--cream); }
.on-dark .lead, .on-dark p { color: rgba(250, 246, 238, 0.78); }
.on-dark .eyebrow { color: var(--gold); }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 30px; border-radius: 999px;
  font-weight: 600; font-size: 1rem; text-decoration: none;
  border: 1.5px solid transparent;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-gold {
  background: linear-gradient(135deg, #D8B25C, var(--gold) 55%, var(--gold-2));
  color: var(--green-950);
  box-shadow: 0 8px 24px rgba(201, 162, 75, 0.35);
}
.btn-gold:hover { box-shadow: 0 12px 32px rgba(201, 162, 75, 0.45); }
.btn-outline {
  background: transparent; color: var(--green-900);
  border-color: rgba(14, 59, 46, 0.35);
}
.btn-outline:hover { border-color: var(--green-900); background: rgba(14, 59, 46, 0.04); }
.on-dark .btn-outline, .btn-outline.on-dark, .hero .btn-outline, .cta-band .btn-outline {
  color: var(--cream); border-color: rgba(250, 246, 238, 0.4);
}
.on-dark .btn-outline:hover, .btn-outline.on-dark:hover, .hero .btn-outline:hover, .cta-band .btn-outline:hover {
  border-color: var(--cream); background: rgba(250, 246, 238, 0.08);
}
.btn-lg { padding: 18px 38px; font-size: 1.06rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.45; pointer-events: none; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; color: var(--green-800); text-decoration: none;
  border-bottom: 1px solid var(--line-gold); padding-bottom: 2px;
  transition: gap 0.18s ease, color 0.18s ease;
}
.link-arrow:hover { gap: 12px; color: var(--gold-2); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(250, 246, 238, 0.94);
  backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.25s ease;
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 82px; gap: 32px;
}
.logo {
  display: flex; align-items: center; gap: 12px;
  text-decoration: none; flex-shrink: 0;
}
.logo-mark {
  width: 42px; height: 42px; border-radius: 13px;
  background: var(--green-900);
  display: grid; place-items: center;
  color: var(--gold); flex-shrink: 0;
}
.logo-text { font-family: var(--font-display); font-size: 1.28rem; font-weight: 600; color: var(--green-950); line-height: 1.02; }
.logo-text small { display: block; margin-top: 5px; font-family: var(--font-body); font-size: 0.56rem; font-weight: 650; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-2); }

.main-nav { display: flex; align-items: center; gap: 32px; margin-left: auto; }
.main-nav a {
  position: relative; text-decoration: none; font-size: 0.91rem; font-weight: 550;
  color: var(--ink-soft); transition: color 0.15s ease; white-space: nowrap;
}
.main-nav a:hover, .main-nav a.active { color: var(--green-900); }
.main-nav a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: -8px; height: 1px;
  background: var(--gold-2); transition: right 0.2s ease;
}
.main-nav a:hover::after, .main-nav a.active::after { right: 0; }

.header-cta { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.header-phone, .header-assurance {
  display: flex; flex-direction: column; align-items: flex-end;
  text-decoration: none; line-height: 1.25;
}
.header-phone small, .header-assurance small { font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-soft); font-weight: 600; }
.header-phone strong, .header-assurance strong { font-size: 0.94rem; color: var(--green-900); white-space: nowrap; }
.header-language {
  display: inline-flex; align-items: center; gap: 8px; padding: 8px 11px;
  border: 1px solid rgba(14, 59, 46, 0.12); border-radius: 999px;
  color: var(--green-800); background: rgba(255, 255, 255, 0.45);
  font-size: 0.75rem; font-weight: 650; white-space: nowrap;
}
.header-language > span {
  width: 6px; height: 6px; border-radius: 50%; background: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.14);
}
.header-cta .btn { padding: 11px 20px; font-size: 0.88rem; box-shadow: none; }
.header-cta .btn:hover { box-shadow: 0 8px 22px rgba(201, 162, 75, 0.28); }
.header-start span { font-size: 1rem; transition: transform 0.18s ease; }
.header-start:hover span { transform: translateX(3px); }

.nav-toggle { display: none; background: none; border: none; width: 44px; height: 44px; position: relative; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; position: absolute; left: 10px; width: 24px; height: 2px;
  background: var(--green-900); border-radius: 2px; transition: 0.25s ease;
}
.nav-toggle span { top: 21px; }
.nav-toggle span::before { top: -7px; left: 0; }
.nav-toggle span::after { top: 7px; left: 0; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 620px at 85% -10%, rgba(201, 162, 75, 0.16), transparent 60%),
    radial-gradient(900px 700px at -10% 110%, rgba(27, 102, 80, 0.5), transparent 55%),
    linear-gradient(170deg, var(--green-950) 0%, var(--green-900) 60%, var(--green-800) 100%);
  color: var(--cream);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(250,246,238,0.05) 1px, transparent 1px);
  background-size: 26px 26px;
  mask-image: linear-gradient(to bottom, transparent, black 30%);
}
.hero-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 60px; align-items: center;
  padding-top: 96px; padding-bottom: 110px;
}
.hero .eyebrow { color: var(--gold); }
.hero h1 { color: var(--cream); margin-bottom: 22px; }
.hero .lead { color: rgba(250, 246, 238, 0.82); max-width: 34rem; margin-bottom: 36px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-note { margin-top: 22px; font-size: var(--fs-small); color: rgba(250, 246, 238, 0.6); display: flex; align-items: center; gap: 8px; }
.hero-note svg { flex-shrink: 0; }

/* Tarjeta flotante del héroe */
.hero-card {
  background: rgba(250, 246, 238, 0.06);
  border: 1px solid rgba(250, 246, 238, 0.14);
  border-radius: var(--radius-lg);
  padding: 34px 32px;
  backdrop-filter: blur(8px);
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.35);
}
.hero-card-header { display: flex; align-items: center; gap: 14px; margin-bottom: 24px; }
.hero-card-header .badge-circle {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--gold); color: var(--green-950);
  display: grid; place-items: center; flex-shrink: 0;
}
.hero-card-header strong { display: block; font-size: 1.02rem; color: var(--cream); }
.hero-card-header span { font-size: 0.82rem; color: rgba(250, 246, 238, 0.6); }
.hero-card ul { list-style: none; display: grid; gap: 16px; }
.hero-card li { display: flex; gap: 12px; align-items: flex-start; font-size: 0.95rem; color: rgba(250, 246, 238, 0.85); }
.hero-card li svg { flex-shrink: 0; margin-top: 3px; color: var(--gold); }
.hero-card-footer {
  margin-top: 26px; padding-top: 22px;
  border-top: 1px solid rgba(250, 246, 238, 0.14);
  display: flex; align-items: baseline; gap: 10px;
}
.hero-card-footer .price { font-family: var(--font-display); font-size: 2.1rem; color: var(--gold); font-weight: 560; }
.hero-card-footer .price-label { font-size: 0.85rem; color: rgba(250, 246, 238, 0.65); }

/* Selector de intención del héroe */
.hero-selector { padding: 32px; }
.hero-selector h2 { color: var(--cream); font-size: clamp(1.6rem, 3vw, 2.15rem); margin-bottom: 8px; }
.selector-kicker {
  color: var(--gold); font-size: 0.74rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase; margin-bottom: 8px;
}
.selector-intro { color: rgba(250, 246, 238, 0.68); font-size: 0.91rem; margin-bottom: 22px; }
.selector-options { display: grid; gap: 11px; }
.selector-options a {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 14px;
  padding: 15px 16px; border: 1px solid rgba(250, 246, 238, 0.14); border-radius: 15px;
  color: var(--cream); text-decoration: none; background: rgba(250, 246, 238, 0.055);
  transition: transform 0.18s ease, border-color 0.18s ease, background 0.18s ease;
}
.selector-options a:hover { transform: translateX(4px); border-color: rgba(201, 162, 75, 0.7); background: rgba(250, 246, 238, 0.09); }
.selector-options strong { display: block; font-size: 0.94rem; }
.selector-options small { display: block; margin-top: 2px; color: rgba(250, 246, 238, 0.58); font-size: 0.78rem; }
.selector-icon {
  width: 35px; height: 35px; border-radius: 10px; display: grid; place-items: center;
  background: rgba(201, 162, 75, 0.14); color: var(--gold); font-size: 0.72rem; font-weight: 700;
}
.selector-note { color: rgba(250, 246, 238, 0.5); text-align: center; font-size: 0.76rem; margin-top: 17px; }
.guide-promise h2 { color: var(--cream); font-size: clamp(1.6rem, 3vw, 2.15rem); margin-bottom: 22px; }
.guide-promise-list { list-style: none; display: grid; gap: 18px; margin-bottom: 26px; }
.guide-promise-list li { display: flex; gap: 14px; align-items: flex-start; }
.guide-promise-list li > span {
  width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0; display: grid; place-items: center;
  color: var(--green-950); background: var(--gold); font-weight: 700; font-size: 0.78rem;
}
.guide-promise-list strong { display: block; color: var(--cream); font-size: 0.95rem; }
.guide-promise-list small { display: block; color: rgba(250, 246, 238, 0.58); margin-top: 2px; font-size: 0.8rem; }

/* Barra de confianza */
.trust-bar { background: var(--green-950); border-top: 1px solid rgba(250, 246, 238, 0.08); position: relative; z-index: 1; }
.trust-inner {
  display: grid; grid-template-columns: repeat(4, 1fr);
  padding-top: 26px; padding-bottom: 26px; gap: 20px;
}
.trust-inner-simple { grid-template-columns: repeat(3, 1fr); }
.trust-item { display: flex; align-items: center; gap: 14px; }
.trust-item svg { color: var(--gold); flex-shrink: 0; }
.trust-item strong { display: block; font-size: 0.98rem; color: var(--cream); line-height: 1.3; }
.trust-item span { font-size: 0.8rem; color: rgba(250, 246, 238, 0.55); }

/* ---------- Secciones ---------- */
.section { padding: 104px 0; }
.section-tight { padding: 84px 0; }
.section-header { max-width: 640px; margin-bottom: 60px; }
.section-header.centered { margin-left: auto; margin-right: auto; text-align: center; }
.section-header.centered .eyebrow { justify-content: center; }
.section-header h2 { margin-bottom: 18px; }

.bg-cream-2 { background: var(--cream-2); }
.bg-green { background: linear-gradient(165deg, var(--green-950), var(--green-900)); }
.bg-white { background: var(--white); }

/* ---------- Guía de elección ---------- */
.guidance-layout { display: grid; grid-template-columns: 0.82fr 1.18fr; gap: 72px; align-items: center; }
.guidance-copy h2 { margin-bottom: 18px; }
.guidance-copy .lead { margin-bottom: 28px; }
.guidance-reassurance {
  display: grid; gap: 5px; padding: 20px 22px; border-radius: 16px;
  background: var(--green-50); border: 1px solid var(--line);
}
.guidance-reassurance strong { color: var(--green-900); }
.guidance-reassurance span { color: var(--ink-soft); font-size: 0.9rem; }
.guided-choices { display: grid; gap: 12px; }
.guided-choices a {
  display: grid; grid-template-columns: auto 1fr auto; gap: 15px; align-items: center;
  padding: 19px 20px; border: 1.5px solid var(--line); border-radius: 17px;
  background: var(--white); color: inherit; text-decoration: none;
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}
.guided-choices a:hover { transform: translateX(4px); border-color: var(--gold); box-shadow: var(--shadow-sm); }
.guided-choices a > span:last-child { color: var(--gold-2); font-size: 1.15rem; }
.guided-choices strong { display: block; color: var(--green-950); font-size: 0.98rem; }
.guided-choices small { display: block; color: var(--ink-soft); margin-top: 2px; font-size: 0.82rem; }
.guided-choice-num {
  width: 36px; height: 36px; border-radius: 11px; display: grid; place-items: center;
  background: var(--green-50); color: var(--green-800); font-weight: 700; font-size: 0.78rem;
}
.guided-choices .guided-choice-help { background: var(--green-950); border-color: var(--green-950); }
.guided-choices .guided-choice-help strong { color: var(--cream); }
.guided-choices .guided-choice-help small { color: rgba(250, 246, 238, 0.62); }
.guided-choices .guided-choice-help .guided-choice-num { background: var(--gold); color: var(--green-950); }

/* ---------- Por qué nosotros ---------- */
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.why-grid-three { grid-template-columns: repeat(3, 1fr); }
.why-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 34px 32px;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--line-gold); }
.why-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--green-50); color: var(--green-800);
  display: grid; place-items: center; margin-bottom: 20px;
}
.why-card h3 { margin-bottom: 10px; }
.why-card p { color: var(--ink-soft); font-size: 0.96rem; }

/* ---------- Productos ---------- */
.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.product-card {
  position: relative; display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 38px 32px;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.product-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.product-card.featured {
  background: linear-gradient(170deg, var(--green-950), var(--green-900));
  border-color: var(--green-900);
}
.product-card.featured h3 { color: var(--cream); }
.product-card.featured p, .product-card.featured li { color: rgba(250, 246, 238, 0.78); }
.product-tag {
  position: absolute; top: -13px; left: 32px;
  background: var(--gold); color: var(--green-950);
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 5px 14px; border-radius: 999px;
}
.product-icon {
  width: 54px; height: 54px; border-radius: 16px;
  display: grid; place-items: center; margin-bottom: 22px;
  background: var(--green-50); color: var(--green-800);
}
.product-card.featured .product-icon { background: rgba(201, 162, 75, 0.16); color: var(--gold); }
.product-card h3 { margin-bottom: 6px; }
.product-sub { font-size: 0.85rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--gold-2); margin-bottom: 14px; }
.product-card.featured .product-sub { color: var(--gold); }
.product-card > p { color: var(--ink-soft); font-size: 0.95rem; margin-bottom: 20px; }
.product-card ul { list-style: none; display: grid; gap: 10px; margin-bottom: 28px; }
.product-card li { display: flex; gap: 10px; font-size: 0.92rem; color: var(--ink-soft); align-items: flex-start; }
.product-card li svg { flex-shrink: 0; margin-top: 4px; color: var(--gold-2); }
.product-card.featured li svg { color: var(--gold); }
.product-card .card-cta { margin-top: auto; }
.product-card.featured .link-arrow { color: var(--gold); }

/* ---------- Cómo funciona ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
.step-card { position: relative; padding: 38px 32px; border-radius: var(--radius); background: rgba(250, 246, 238, 0.05); border: 1px solid rgba(250, 246, 238, 0.12); }
.step-num {
  font-family: var(--font-display); font-size: 3.4rem; font-weight: 500;
  color: transparent; -webkit-text-stroke: 1.5px var(--gold);
  line-height: 1; margin-bottom: 18px;
}
.step-card h3 { color: var(--cream); margin-bottom: 10px; }
.step-card p { color: rgba(250, 246, 238, 0.72); font-size: 0.95rem; }

/* ---------- Situaciones de protección ---------- */
.scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.scenario-card {
  display: flex; flex-direction: column; align-items: flex-start; min-height: 360px;
  padding: 34px 30px; border-radius: var(--radius-lg); border: 1px solid var(--line);
  background: var(--white); color: inherit; text-decoration: none;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.scenario-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--line-gold); }
.scenario-number {
  width: 46px; height: 46px; display: grid; place-items: center; border-radius: 14px;
  background: var(--green-50); color: var(--green-800); font-weight: 700; font-size: 0.78rem; margin-bottom: 26px;
}
.scenario-label { color: var(--gold-2); font-size: 0.73rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 8px; }
.scenario-card h3 { font-size: 1.35rem; line-height: 1.35; margin-bottom: 14px; }
.scenario-card > p:not(.scenario-label) { color: var(--ink-soft); font-size: 0.94rem; margin-bottom: 24px; }
.scenario-card .link-arrow { margin-top: auto; }

/* Compatibilidad con tarjetas antiguas */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.testimonial-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 34px 30px;
  display: flex; flex-direction: column; gap: 20px;
}
.stars { display: flex; gap: 3px; color: var(--gold); }
.testimonial-card blockquote { font-size: 1.02rem; line-height: 1.6; color: var(--ink); font-style: italic; font-family: var(--font-display); font-weight: 460; }
.testimonial-author { display: flex; align-items: center; gap: 14px; margin-top: auto; }
.avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--green-100); color: var(--green-900);
  display: grid; place-items: center;
  font-weight: 700; font-size: 0.95rem;
}
.testimonial-author strong { display: block; font-size: 0.95rem; color: var(--green-950); }
.testimonial-author span { font-size: 0.8rem; color: var(--ink-soft); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 780px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden;
  transition: border-color 0.2s ease;
}
.faq-item.open { border-color: var(--line-gold); box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; background: none; border: none; text-align: left;
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 22px 28px;
  font-size: 1.05rem; font-weight: 600; color: var(--green-950);
}
.faq-q .faq-icon {
  flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%;
  background: var(--green-50); color: var(--green-800);
  display: grid; place-items: center;
  transition: transform 0.25s ease, background 0.2s ease, color 0.2s ease;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: var(--green-950); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.32s ease; }
.faq-a-inner { padding: 0 28px 26px; color: var(--ink-soft); font-size: 0.97rem; }

/* ---------- CTA final ---------- */
.cta-band { position: relative; overflow: hidden; border-radius: var(--radius-lg); padding: 74px 60px; text-align: center;
  background:
    radial-gradient(700px 400px at 20% 0%, rgba(201, 162, 75, 0.22), transparent 55%),
    linear-gradient(160deg, var(--green-950), var(--green-800));
}
.cta-band h2 { color: var(--cream); max-width: 620px; margin: 0 auto 18px; }
.cta-band p { color: rgba(250, 246, 238, 0.75); max-width: 520px; margin: 0 auto 36px; }
.cta-band .hero-actions { justify-content: center; }

/* ---------- Footer ---------- */
.site-footer { background: var(--green-950); color: rgba(250, 246, 238, 0.7); padding: 70px 0 36px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 48px; }
.home-page .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
.footer-brand .logo-text { color: var(--cream); }
.footer-brand p { font-size: 0.9rem; margin-top: 16px; max-width: 30ch; color: rgba(250, 246, 238, 0.55); }
.footer-col h4 { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { list-style: none; display: grid; gap: 11px; }
.footer-col a { text-decoration: none; font-size: 0.92rem; color: rgba(250, 246, 238, 0.7); transition: color 0.15s ease; }
.footer-col a:hover { color: var(--cream); }
.footer-legal {
  border-top: 1px solid rgba(250, 246, 238, 0.12);
  padding-top: 30px; display: grid; gap: 14px;
  font-size: 0.78rem; color: rgba(250, 246, 238, 0.45); line-height: 1.6;
}

/* ---------- Página de producto ---------- */
.page-hero { padding: 84px 0 70px; position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 90% -20%, rgba(201, 162, 75, 0.15), transparent 60%),
    linear-gradient(165deg, var(--green-950), var(--green-900));
}
.page-hero .breadcrumb { font-size: 0.85rem; color: rgba(250, 246, 238, 0.55); margin-bottom: 22px; }
.page-hero .breadcrumb a { color: rgba(250, 246, 238, 0.75); text-decoration: none; }
.page-hero .breadcrumb a:hover { color: var(--gold); }
.page-hero h1 { color: var(--cream); max-width: 16ch; margin-bottom: 20px; font-size: clamp(2.2rem, 4.4vw, 3.6rem); }
.page-hero .lead { max-width: 40rem; margin-bottom: 34px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: start; }
.split-sticky { position: sticky; top: 110px; }
.check-list { list-style: none; display: grid; gap: 18px; }
.check-list li { display: flex; gap: 14px; align-items: flex-start; }
.check-list li svg { flex-shrink: 0; margin-top: 3px; color: var(--gold-2); }
.check-list strong { display: block; color: var(--green-950); margin-bottom: 2px; }
.check-list span { color: var(--ink-soft); font-size: 0.95rem; }

.rate-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.rate-table th {
  background: var(--green-900); color: var(--cream);
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
  padding: 16px 20px; text-align: left;
}
.rate-table td { padding: 15px 20px; border-top: 1px solid var(--line); font-size: 0.95rem; }
.rate-table td:last-child { font-weight: 600; color: var(--green-900); }
.table-note { font-size: 0.78rem; color: var(--ink-soft); margin-top: 14px; }

/* ---------- Cotizador ---------- */
.quote-page { min-height: 100vh; display: flex; flex-direction: column;
  background:
    radial-gradient(1000px 600px at 100% 0%, rgba(201, 162, 75, 0.1), transparent 55%),
    linear-gradient(170deg, var(--green-950), var(--green-900) 70%, var(--green-800));
}
.quote-shell { flex: 1; display: grid; place-items: start center; padding: 60px 24px 90px; }
.quote-card {
  width: 100%; max-width: 660px;
  background: var(--cream); border-radius: var(--radius-lg);
  box-shadow: 0 40px 100px rgba(0, 0, 0, 0.4);
  overflow: hidden;
}
.quote-progress { height: 5px; background: var(--cream-2); }
.quote-progress-bar { height: 100%; width: 20%; background: linear-gradient(90deg, var(--gold-2), var(--gold)); transition: width 0.4s ease; border-radius: 0 3px 3px 0; }
.quote-body { padding: 46px 52px 52px; }
.quote-step-label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-2); margin-bottom: 12px; }
.quote-body h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin-bottom: 10px; }
.quote-body .quote-sub { color: var(--ink-soft); margin-bottom: 34px; font-size: 0.98rem; }

.option-grid { display: grid; gap: 14px; }
.option-grid.cols-2 { grid-template-columns: 1fr 1fr; }
.option-card {
  display: flex; align-items: center; gap: 16px; text-align: left;
  background: var(--white); border: 1.5px solid var(--line);
  border-radius: var(--radius); padding: 20px 22px;
  transition: border-color 0.15s ease, box-shadow 0.15s ease, transform 0.15s ease;
}
.option-card:hover { border-color: var(--gold); transform: translateY(-1px); }
.option-card.selected { border-color: var(--gold-2); background: #FFFDF7; box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.18); }
.option-card-help { background: var(--green-50); border-color: rgba(20, 80, 63, 0.2); }
.option-card .opt-icon {
  width: 46px; height: 46px; border-radius: 12px; flex-shrink: 0;
  background: var(--green-50); color: var(--green-800);
  display: grid; place-items: center;
}
.option-card strong { display: block; font-size: 1rem; color: var(--green-950); }
.option-card span { font-size: 0.84rem; color: var(--ink-soft); }

.field-grid { display: grid; gap: 20px; }
.field-grid.cols-2 { grid-template-columns: 1fr 1fr; }
.field label { display: block; font-size: 0.86rem; font-weight: 600; color: var(--green-950); margin-bottom: 8px; }
.field input, .field select {
  width: 100%; padding: 14px 16px;
  border: 1.5px solid var(--line); border-radius: 12px;
  background: var(--white); color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--gold-2);
  box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.18);
}
.field .hint { font-size: 0.78rem; color: var(--ink-soft); margin-top: 6px; }
.field.error input, .field.error select { border-color: #C0392B; }
.field .error-msg { display: none; font-size: 0.78rem; color: #C0392B; margin-top: 6px; }
.field.error .error-msg { display: block; }
.guidance-summary {
  display: grid; grid-template-columns: 1fr auto; gap: 3px 16px; align-items: center;
  padding: 16px 18px; margin: -12px 0 24px; border-radius: 14px;
  background: var(--green-50); border: 1px solid var(--line);
}
.guidance-summary > span { grid-column: 1; color: var(--gold-2); font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; }
.guidance-summary strong { grid-column: 1; color: var(--green-950); font-size: 0.9rem; }
.guidance-summary button { grid-column: 2; grid-row: 1 / 3; background: none; border: 0; color: var(--green-800); font-size: 0.76rem; font-weight: 700; }

/* Slider de cobertura */
.coverage-display { text-align: center; margin-bottom: 30px; }
.coverage-display .amount { font-family: var(--font-display); font-size: clamp(2.6rem, 6vw, 3.6rem); font-weight: 560; color: var(--green-900); line-height: 1.1; }
.coverage-display .label { font-size: 0.85rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-soft); font-weight: 600; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px;
  background: linear-gradient(90deg, var(--gold) var(--fill, 50%), var(--cream-2) var(--fill, 50%));
  border-radius: 999px; outline: none; margin: 10px 0 6px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--gold-2);
  box-shadow: 0 3px 10px rgba(0, 0, 0, 0.2); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--gold-2);
  box-shadow: 0 3px 10px rgba(0, 0, 0, 0.2); cursor: grab;
}
.range-labels { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--ink-soft); }

.quote-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 38px; gap: 16px; }
.btn-back { background: none; border: none; color: var(--ink-soft); font-weight: 600; display: inline-flex; align-items: center; gap: 8px; padding: 10px 6px; }
.btn-back:hover { color: var(--green-900); }

/* Resultado */
.estimate-box {
  background: linear-gradient(160deg, var(--green-950), var(--green-800));
  border-radius: var(--radius-lg); padding: 40px 36px; text-align: center;
  margin-bottom: 30px;
}
.estimate-box .est-label { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
.estimate-box .est-price { font-family: var(--font-display); font-size: clamp(3rem, 7vw, 4.2rem); color: var(--cream); font-weight: 560; line-height: 1; }
.estimate-box .est-price small { font-size: 1.2rem; color: rgba(250, 246, 238, 0.6); font-family: var(--font-body); font-weight: 500; }
.estimate-box .est-detail { margin-top: 16px; font-size: 0.9rem; color: rgba(250, 246, 238, 0.7); }
.estimate-box.is-guidance .est-price { font-size: clamp(2rem, 5vw, 3rem); }
.estimate-note { font-size: 0.78rem; color: var(--ink-soft); text-align: center; margin-top: 18px; line-height: 1.55; }

.success-icon { width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 28px;
  background: var(--green-50); color: var(--green-800); display: grid; place-items: center; }

.quote-header { padding: 22px 0; }
.quote-header .header-inner { height: auto; }
.quote-header .logo-text, .quote-header .logo-text small { color: var(--cream); }
.quote-header .logo-mark { background: var(--gold); color: var(--green-950); }
.quote-footer { text-align: center; padding: 0 24px 40px; font-size: 0.78rem; color: rgba(250, 246, 238, 0.45); max-width: 640px; margin: 0 auto; }
.quote-security { display: inline-flex; align-items: center; gap: 8px; color: rgba(250, 246, 238, 0.72); font-size: 0.82rem; font-weight: 600; }
.quote-security svg { color: var(--gold); }
.consent-check {
  display: grid !important; grid-template-columns: auto 1fr; gap: 11px; align-items: start;
  padding: 15px 16px; border-radius: 12px; background: var(--cream-2);
  color: var(--ink-soft) !important; font-size: 0.76rem !important; line-height: 1.5;
}
.consent-check input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--green-800); }
.consent-error { display: none; margin-top: -12px !important; color: #C0392B; font-size: 0.78rem; }
.form-status { min-height: 1.3em; text-align: center; font-size: 0.82rem; color: var(--ink-soft); }
.form-status.error { color: #A93226; }

.mobile-quote-bar { display: none; }

/* ---------- Blog: tarjetas ---------- */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.post-card {
  display: flex; flex-direction: column;
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-lg); overflow: hidden;
  text-decoration: none;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--line-gold); }
.post-cover {
  position: relative; aspect-ratio: 16 / 9;
  display: grid; place-items: center;
  background:
    radial-gradient(400px 220px at 80% 0%, rgba(201, 162, 75, 0.25), transparent 60%),
    linear-gradient(150deg, var(--green-900), var(--green-800));
  color: var(--gold);
}
.post-cover svg { opacity: 0.9; }
.post-cover.alt {
  background:
    radial-gradient(400px 220px at 20% 100%, rgba(201, 162, 75, 0.3), transparent 60%),
    linear-gradient(200deg, var(--green-800), var(--green-950));
}
.post-body { display: flex; flex-direction: column; gap: 12px; padding: 26px 26px 28px; flex: 1; }
.post-kicker { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-2); }
.post-card h3 { font-size: 1.22rem; line-height: 1.3; }
.post-card p { color: var(--ink-soft); font-size: 0.93rem; flex: 1; }
.post-meta { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; color: var(--ink-soft); }
.post-meta svg { color: var(--gold-2); }

/* Destacado del blog */
.post-featured {
  display: grid; grid-template-columns: 1.05fr 0.95fr;
  background: linear-gradient(165deg, var(--green-950), var(--green-800));
  border-radius: var(--radius-lg); overflow: hidden;
  text-decoration: none; margin-bottom: 56px;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.post-featured:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.post-featured-text { padding: 54px 50px; display: flex; flex-direction: column; gap: 16px; }
.post-featured-text .post-kicker { color: var(--gold); }
.post-featured-text h2 { color: var(--cream); font-size: clamp(1.6rem, 3vw, 2.3rem); }
.post-featured-text p { color: rgba(250, 246, 238, 0.75); font-size: 1rem; }
.post-featured-text .post-meta { color: rgba(250, 246, 238, 0.6); }
.post-featured-text .link-arrow { color: var(--gold); border-color: rgba(201, 162, 75, 0.5); margin-top: 4px; align-self: flex-start; }
.post-featured-visual {
  position: relative; min-height: 300px;
  display: grid; place-items: center; color: var(--gold);
  background:
    radial-gradient(radial, transparent, transparent),
    radial-gradient(500px 320px at 70% 30%, rgba(201, 162, 75, 0.22), transparent 60%);
}
.post-featured-visual::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(250, 246, 238, 0.07) 1px, transparent 1px);
  background-size: 22px 22px;
}

/* ---------- Blog: artículo ---------- */
.article-hero { padding: 70px 0 56px; }
.article-hero .meta-row {
  display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px;
  margin-top: 26px; font-size: 0.88rem; color: rgba(250, 246, 238, 0.65);
}
.article-hero .meta-row .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--gold); }
.article-hero .author-chip { display: flex; align-items: center; gap: 10px; }
.article-hero a.author-chip { color: inherit; text-decoration: none; }
.article-hero a.author-chip:hover { color: var(--cream); }
.article-hero .author-chip .avatar { width: 34px; height: 34px; font-size: 0.78rem; background: var(--gold); color: var(--green-950); }

.article-wrap { max-width: 760px; margin: 0 auto; }
.article-body { font-size: 1.06rem; line-height: 1.8; color: var(--ink); }
.article-body > * + * { margin-top: 1.35em; }
.article-body h2 {
  font-size: clamp(1.5rem, 2.6vw, 1.9rem);
  margin-top: 2em; padding-top: 0.4em;
}
.article-body h3 { font-size: 1.2rem; margin-top: 1.8em; }
.article-body .lead-para {
  font-size: 1.2rem; line-height: 1.7; color: var(--ink-soft);
  font-family: var(--font-display); font-weight: 460;
}
.article-body ul, .article-body ol { padding-left: 1.4em; display: grid; gap: 0.6em; }
.article-body li::marker { color: var(--gold-2); font-weight: 700; }
.article-body a { color: var(--green-800); font-weight: 600; text-decoration-color: var(--gold); text-underline-offset: 3px; }
.article-body a:hover { color: var(--gold-2); }
.article-body blockquote {
  border-left: 3px solid var(--gold);
  padding: 6px 0 6px 24px;
  font-family: var(--font-display); font-style: italic;
  font-size: 1.25rem; line-height: 1.55; color: var(--green-900);
}
.article-body table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); font-size: 0.95rem; }
.article-body th { background: var(--green-900); color: var(--cream); text-align: left; padding: 13px 16px; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; }
.article-body td { padding: 13px 16px; border-top: 1px solid var(--line); }

.answer-summary {
  margin: 2.1em 0; padding: 26px 28px;
  border-top: 2px solid var(--gold); border-bottom: 1px solid var(--line);
  background: rgba(220, 234, 226, 0.34);
}
.answer-summary .answer-label {
  margin: 0 0 8px; color: var(--gold-2); font-size: 0.7rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase;
}
.answer-summary > p:not(.answer-label) { margin: 0; color: var(--green-950); font-size: 1.02rem; line-height: 1.65; }
.answer-summary ul { grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 18px; padding: 0; list-style: none; }
.answer-summary li { padding-top: 12px; border-top: 1px solid rgba(14, 59, 46, 0.2); color: var(--ink-soft); font-size: 0.82rem; line-height: 1.45; }
.answer-summary li::marker { content: ""; }

.article-sources {
  margin-top: 3.4em; padding-top: 1.6em; border-top: 1px solid rgba(14, 59, 46, 0.22);
  color: var(--ink-soft); font-size: 0.87rem; line-height: 1.65;
}
.article-body .article-sources h2 { margin: 0 0 10px; padding: 0; font-size: 1.25rem; }
.article-sources p { margin-top: 8px; }
.article-sources ul { margin-top: 12px; gap: 8px; }
.article-sources a { overflow-wrap: anywhere; }

.editorial-policy .article-body > section { padding: 0 0 2.3em; border-bottom: 1px solid var(--line); }
.editorial-policy .article-body > section + section { margin-top: 2.3em; }
.editorial-policy .article-body h2 { margin-top: 0; }
.policy-updated { padding-top: 1.2em; color: var(--ink-soft); font-size: 0.86rem; }

.callout {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--white); border: 1px solid var(--line-gold);
  border-left: 4px solid var(--gold);
  border-radius: 14px; padding: 22px 24px;
  font-size: 0.98rem;
}
.callout .callout-icon {
  flex-shrink: 0; width: 38px; height: 38px; border-radius: 10px;
  background: var(--gold-soft); color: var(--gold-2);
  display: grid; place-items: center;
}
.callout strong:first-child { display: block; color: var(--green-950); margin-bottom: 4px; }

.article-cta {
  background: linear-gradient(160deg, var(--green-950), var(--green-800));
  border-radius: var(--radius-lg); padding: 40px 38px; text-align: center;
}
.article-cta h3 { color: var(--cream); font-size: 1.45rem; margin-bottom: 8px; }
.article-cta p { color: rgba(250, 246, 238, 0.72) !important; font-size: 0.95rem !important; margin-bottom: 22px; }
.article-cta .btn { margin: 0 6px 6px; }

.related-posts { border-top: 1px solid var(--line); }

@media (max-width: 980px) {
  .why-grid-three { grid-template-columns: 1fr 1fr; }
  .post-grid { grid-template-columns: 1fr 1fr; }
  .post-featured { grid-template-columns: 1fr; }
  .post-featured-visual { min-height: 200px; order: -1; }
}
@media (max-width: 720px) {
  .why-grid-three { grid-template-columns: 1fr; }
  .post-grid { grid-template-columns: 1fr; }
  .post-featured-text { padding: 34px 28px; }
  .article-body { font-size: 1rem; }
  .answer-summary { padding: 22px 20px; }
  .answer-summary ul { grid-template-columns: 1fr; gap: 9px; }
}

/* ---------- Animaciones ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: none; }
.reveal.instant { transition: none; }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

.quote-step { display: none; animation: stepIn 0.35s ease; }
.quote-step.active { display: block; }
@keyframes stepIn { from { opacity: 0; transform: translateX(14px); } to { opacity: 1; transform: none; } }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .main-nav {
    display: none; position: absolute; top: 82px; left: 0; right: 0;
    background: rgba(250, 246, 238, 0.98); border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: flex-start; padding: 24px max(24px, calc((100vw - var(--maxw)) / 2 + 24px)); gap: 18px;
    box-shadow: var(--shadow-md); margin-left: 0;
  }
  .nav-open .main-nav { display: flex; }
  .nav-toggle { display: block; }
}
@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; padding-top: 70px; padding-bottom: 80px; gap: 44px; }
  .trust-inner { grid-template-columns: repeat(2, 1fr); }
  .trust-inner-simple { grid-template-columns: 1fr; }
  .why-grid, .products-grid, .steps-grid, .testimonials-grid, .scenario-grid { grid-template-columns: 1fr 1fr; }
  .products-grid { gap: 30px; }
  .split { grid-template-columns: 1fr; gap: 44px; }
  .guidance-layout { grid-template-columns: 1fr; gap: 42px; }
  .split-sticky { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .section { padding: 74px 0; }
  .header-phone, .header-assurance { display: none; }
  .header-inner { height: 72px; gap: 12px; }
  .main-nav { top: 72px; }
  .header-language { display: none; }
  .header-cta { gap: 6px; }
  .header-cta .btn { padding: 10px 15px; }
  .logo-text { font-size: 1.1rem; }
  .logo-text small { display: none; }
  .why-grid, .products-grid, .steps-grid, .testimonials-grid, .scenario-grid { grid-template-columns: 1fr; }
  .trust-inner { grid-template-columns: 1fr 1fr; }
  .trust-inner-simple { grid-template-columns: 1fr; }
  .option-grid.cols-2, .field-grid.cols-2 { grid-template-columns: 1fr; }
  .quote-body { padding: 34px 26px 40px; }
  .quote-header .logo-text { font-size: 1.05rem; }
  .quote-header .btn { padding: 10px 14px; font-size: 0.85rem; gap: 6px; }
  .quote-security { font-size: 0.72rem; max-width: 150px; line-height: 1.35; text-align: right; }
  .cta-band { padding: 54px 28px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  body:not(.quote-page) { padding-bottom: 76px; }
  .mobile-quote-bar {
    position: fixed; display: flex; left: 0; right: 0; bottom: 0; z-index: 120;
    align-items: center; justify-content: space-between; gap: 14px; padding: 11px 16px;
    background: rgba(11, 43, 33, 0.96); border-top: 1px solid rgba(250, 246, 238, 0.15);
    color: var(--cream); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 -12px 34px rgba(0, 0, 0, 0.2);
  }
  .mobile-quote-bar span { display: flex; flex-direction: column; line-height: 1.28; }
  .mobile-quote-bar strong { font-size: 0.86rem; }
  .mobile-quote-bar small { color: rgba(250, 246, 238, 0.58); font-size: 0.68rem; }
  .mobile-quote-bar .btn { padding: 11px 20px; font-size: 0.85rem; }
}

/* ============================================================
   HOMEPAGE — EDITORIAL DIRECTION
   Restrained, image-led, and deliberately less component-heavy.
   ============================================================ */
.home-page {
  --font-editorial: "Newsreader", Georgia, serif;
  background: #f7f2e8;
}
.home-page h1,
.home-page h2,
.home-page h3,
.home-page .logo-text { font-family: var(--font-editorial); }
.home-page .site-header {
  background: rgba(249, 245, 237, 0.97);
  border-bottom-color: rgba(11, 43, 33, 0.16);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.home-page .header-inner { height: 74px; }
.home-page .logo { gap: 11px; }
.home-page .logo-mark { width: 38px; height: 38px; border-radius: 2px; }
.home-page .logo-text { font-size: 1.25rem; font-weight: 600; letter-spacing: -0.02em; }
.home-page .logo-text small { margin-top: 4px; font-size: 0.5rem; letter-spacing: 0.19em; }
.home-page .main-nav { gap: 28px; }
.home-page .main-nav a { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.02em; }
.home-page .header-language {
  padding: 0; border: 0; border-radius: 0; background: transparent;
  color: rgba(11, 43, 33, 0.68); font-size: 0.68rem; letter-spacing: 0.04em;
}
.home-page .header-language > span { width: 5px; height: 5px; box-shadow: none; }
.home-page .btn { border-radius: 2px; box-shadow: none; }
.home-page .btn:hover { box-shadow: none; }
.home-page .btn-gold { background: var(--gold); }
.home-page .header-start {
  padding: 11px 18px; background: var(--green-950); color: var(--cream);
  border: 1px solid var(--green-950); font-size: 0.78rem; letter-spacing: 0.02em;
}
.home-page .header-start:hover { background: var(--green-800); box-shadow: none; }

.home-page .editorial-hero {
  overflow: hidden; background: #f7f2e8; color: var(--green-950);
}
.home-page .editorial-hero::after { display: none; }
.editorial-hero-grid {
  display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(300px, 0.72fr);
  gap: clamp(48px, 7vw, 100px); align-items: center;
  min-height: 650px; padding-top: 64px; padding-bottom: 72px;
}
.editorial-hero-copy { padding: 28px 0 36px; }
.home-page .editorial-hero .eyebrow {
  color: var(--green-800); margin-bottom: 28px; font-size: 0.68rem; letter-spacing: 0.19em;
}
.home-page .editorial-hero .eyebrow::before { width: 42px; background: var(--gold-2); }
.home-page .editorial-hero h1 {
  max-width: 10.5ch; margin-bottom: 25px; color: var(--green-950);
  font-size: clamp(3.55rem, 6.2vw, 6rem); font-weight: 500;
  letter-spacing: -0.045em; line-height: 0.94;
}
.home-page .editorial-hero h1 .accent-italic { color: var(--gold-2); font-weight: 400; }
.home-page .editorial-hero .lead {
  max-width: 37rem; margin-bottom: 34px; color: #4f5a55;
  font-size: clamp(1rem, 1.3vw, 1.16rem); line-height: 1.7;
}
.home-page .editorial-hero .btn-gold {
  padding: 17px 23px; background: var(--gold); color: var(--green-950);
  border-color: var(--gold); font-size: 0.88rem; letter-spacing: 0.015em;
}
.home-page .editorial-hero .btn-gold:hover { background: #d2ac54; }
.editorial-text-link {
  display: inline-flex; align-items: center; min-height: 48px; padding: 0 2px 1px;
  color: var(--green-950); border-bottom: 1px solid rgba(11, 43, 33, 0.46);
  text-decoration: none; font-size: 0.86rem; font-weight: 650;
}
.home-page .hero-note {
  margin-top: 25px; color: rgba(11, 43, 33, 0.56); font-size: 0.74rem;
  letter-spacing: 0.015em;
}
.hero-note-mark {
  display: inline-grid; place-items: center; width: 19px; height: 19px;
  border: 1px solid rgba(11, 43, 33, 0.3); color: var(--green-800); font-size: 0.63rem;
}
.editorial-hero-photo {
  position: relative; align-self: stretch; min-height: 530px; margin: 0 10px 0 0;
  background: var(--green-900);
}
.editorial-hero-photo::before {
  content: ""; position: absolute; z-index: 0; inset: 18px -18px -18px 18px;
  border: 1px solid rgba(176, 138, 52, 0.58);
}
.editorial-hero-photo img {
  position: absolute; z-index: 1; inset: 0; width: 100%; height: 100%;
  object-fit: cover; object-position: center; filter: saturate(0.78) contrast(0.96) sepia(0.04);
}
.editorial-hero-photo::after {
  content: ""; position: absolute; z-index: 2; inset: 0; pointer-events: none;
  background: linear-gradient(to top, rgba(5, 25, 18, 0.78), transparent 42%);
}
.editorial-hero-photo figcaption {
  position: absolute; z-index: 3; left: 0; right: 0; bottom: 0;
  display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: end;
  padding: 24px 25px; color: var(--cream);
}
.editorial-hero-photo figcaption .photo-index {
  padding-right: 17px; border-right: 1px solid rgba(250, 246, 238, 0.35);
  color: var(--gold); font-family: var(--font-editorial); font-size: 1.55rem; line-height: 1;
}
.editorial-hero-photo figcaption strong { display: block; font-size: 0.9rem; font-weight: 650; }
.editorial-hero-photo figcaption small { display: block; margin-top: 3px; color: rgba(250, 246, 238, 0.7); font-size: 0.72rem; }

.editorial-trust-rail { position: relative; z-index: 3; background: var(--green-950); }
.editorial-trust-rail .container { display: grid; grid-template-columns: repeat(3, 1fr); }
.editorial-trust-rail p {
  display: grid; grid-template-columns: auto 1fr; align-items: center; column-gap: 13px;
  padding: 20px 28px; border-left: 1px solid rgba(250, 246, 238, 0.13);
}
.editorial-trust-rail p:last-child { border-right: 1px solid rgba(250, 246, 238, 0.13); }
.editorial-trust-rail p > span { color: var(--gold); font-family: var(--font-editorial); font-size: 0.82rem; }
.editorial-trust-rail strong { color: var(--cream); font-size: 0.82rem; font-weight: 650; }
.editorial-trust-rail small { color: rgba(250, 246, 238, 0.53); font-size: 0.69rem; line-height: 1.45; }

.home-page #guia { background: #fbf8f1; }
.home-page .guidance-layout { grid-template-columns: 0.8fr 1.2fr; gap: clamp(64px, 9vw, 128px); }
.home-page .guidance-copy h2 { font-size: clamp(2.75rem, 4.5vw, 4.6rem); line-height: 0.98; letter-spacing: -0.04em; }
.home-page .guidance-copy .lead { font-size: 1rem; }
.home-page .guidance-reassurance {
  padding: 4px 0 4px 20px; border: 0; border-left: 2px solid var(--gold);
  border-radius: 0; background: transparent;
}
.home-page .guided-choices { gap: 0; border-top: 1px solid rgba(11, 43, 33, 0.22); }
.home-page .guided-choices a,
.home-page .guided-choices .guided-choice-help {
  padding: 25px 4px; border: 0; border-bottom: 1px solid rgba(11, 43, 33, 0.22);
  border-radius: 0; background: transparent; box-shadow: none;
}
.home-page .guided-choices a:hover { transform: none; padding-left: 10px; background: rgba(14, 59, 46, 0.035); box-shadow: none; }
.home-page .guided-choice-num,
.home-page .guided-choices .guided-choice-help .guided-choice-num {
  width: 31px; height: auto; border-radius: 0; background: transparent;
  color: var(--gold-2); font-family: var(--font-editorial); font-size: 1rem;
}
.home-page .guided-choices strong,
.home-page .guided-choices .guided-choice-help strong { color: var(--green-950); font-size: 0.97rem; }
.home-page .guided-choices small,
.home-page .guided-choices .guided-choice-help small { color: var(--ink-soft); }

.home-page .bg-green { background: var(--green-950); }
.home-page .steps-grid { gap: 0; border-top: 1px solid rgba(250, 246, 238, 0.18); }
.home-page .step-card {
  padding: 38px 34px 18px; border: 0; border-left: 1px solid rgba(250, 246, 238, 0.18);
  border-radius: 0; background: transparent;
}
.home-page .step-card:last-child { border-right: 1px solid rgba(250, 246, 238, 0.18); }
.home-page .step-num { font-family: var(--font-editorial); font-size: 2rem; -webkit-text-stroke: 0; color: var(--gold); }
.home-page .faq-list { gap: 0; border-top: 1px solid rgba(11, 43, 33, 0.2); }
.home-page .faq-item { border: 0; border-bottom: 1px solid rgba(11, 43, 33, 0.2); border-radius: 0; background: transparent; }
.home-page .faq-item.open { border-color: rgba(11, 43, 33, 0.3); box-shadow: none; }
.home-page .faq-q { padding-left: 4px; padding-right: 4px; }
.home-page .faq-q .faq-icon { border-radius: 2px; }
.home-page .section-tight { background: #f7f2e8; }
.home-page .cta-band {
  border-radius: 0; border-top: 3px solid var(--gold); background: var(--green-950);
}

@media (min-width: 821px) and (max-width: 1080px) {
  .home-page .main-nav {
    display: flex; position: static; padding: 0; border: 0; box-shadow: none;
    background: transparent; flex-direction: row; align-items: center; gap: 20px; margin-left: auto;
  }
  .home-page .nav-toggle { display: none; }
  .home-page .header-language { display: none; }
}
@media (max-width: 860px) {
  .home-page .main-nav { top: 74px; }
  .editorial-hero-grid { grid-template-columns: 1fr; min-height: 0; padding-top: 48px; gap: 38px; }
  .editorial-hero-copy { padding-bottom: 0; }
  .home-page .editorial-hero h1 { max-width: 11ch; }
  .editorial-hero-photo { min-height: 520px; width: calc(100% - 18px); }
  .editorial-trust-rail .container { grid-template-columns: 1fr; }
  .editorial-trust-rail p { border-right: 1px solid rgba(250, 246, 238, 0.13); border-bottom: 1px solid rgba(250, 246, 238, 0.13); }
  .editorial-trust-rail p:last-child { border-bottom: 0; }
}
@media (max-width: 720px) {
  .home-page .header-start { padding: 10px 12px; }
  .home-page .editorial-hero h1 { font-size: clamp(3.15rem, 15vw, 4.5rem); }
  .editorial-hero-grid { padding-top: 34px; padding-bottom: 54px; }
  .editorial-hero-photo { min-height: 430px; }
  .editorial-hero-photo figcaption { padding: 20px; }
  .home-page .guidance-copy h2 { font-size: clamp(2.6rem, 13vw, 3.7rem); }
  .home-page .step-card,
  .home-page .step-card:last-child { border-right: 0; border-left: 0; border-bottom: 1px solid rgba(250, 246, 238, 0.18); padding-left: 4px; padding-right: 4px; }
  .home-page .cta-band { padding-left: 24px; padding-right: 24px; }
}

/* ============================================================
   QUESTIONNAIRE FUNNEL
   ============================================================ */
.funnel-page {
  min-height: 100svh; display: block; position: relative; overflow-x: hidden;
  color: var(--cream);
  background:
    radial-gradient(900px 560px at 78% -5%, rgba(201, 162, 75, 0.13), transparent 62%),
    radial-gradient(760px 520px at -8% 100%, rgba(27, 102, 80, 0.24), transparent 62%),
    #071d16;
}
.funnel-ambient {
  position: fixed; inset: 0; pointer-events: none; opacity: 0.45;
  background-image:
    linear-gradient(rgba(250, 246, 238, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(250, 246, 238, 0.025) 1px, transparent 1px);
  background-size: 42px 42px;
  mask-image: linear-gradient(to bottom, black, transparent 76%);
}
.funnel-topbar {
  position: fixed; z-index: 20; top: 0; left: 0; right: 0;
  display: flex; align-items: center; justify-content: space-between;
  height: 86px; padding: 0 34px;
  background: linear-gradient(to bottom, rgba(7, 29, 22, 0.98), rgba(7, 29, 22, 0.76), transparent);
}
.funnel-logo .logo-mark {
  width: 38px; height: 38px; border-radius: 12px; font-family: var(--font-display);
  background: var(--gold); color: var(--green-950); font-size: 0.78rem; font-weight: 700;
}
.funnel-logo .logo-text { color: var(--cream); font-size: 1.14rem; }
.funnel-logo .logo-text small { color: rgba(250, 246, 238, 0.52); font-size: 0.5rem; }
.funnel-security {
  display: inline-flex; align-items: center; gap: 9px; padding: 9px 13px;
  border: 1px solid rgba(250, 246, 238, 0.1); border-radius: 999px;
  background: rgba(250, 246, 238, 0.035); color: rgba(250, 246, 238, 0.62);
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.03em;
}
.funnel-security > span { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.13); }
.funnel-progress { position: fixed; z-index: 25; left: 0; right: 0; top: 0; height: 3px; background: rgba(250, 246, 238, 0.07); }
.funnel-progress-fill { height: 100%; width: 14.285%; background: linear-gradient(90deg, var(--gold-2), #e0c276); transition: width 0.4s ease; }

.funnel-shell { position: relative; z-index: 2; min-height: calc(100svh - 70px); padding: 116px 24px 54px; }
.funnel-stage { width: 100%; max-width: 960px; margin: 0 auto; }
.funnel-step-count {
  margin-bottom: 22px; color: rgba(250, 246, 238, 0.38); font-size: 0.7rem;
  font-weight: 650; letter-spacing: 0.13em; text-transform: uppercase;
}
.funnel-step { display: none; animation: funnelStepIn 0.38s ease both; }
.funnel-step.active { display: block; }
@keyframes funnelStepIn { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }
.funnel-page[data-funnel-step="0"] .funnel-step-count { display: none; }
.funnel-page[data-funnel-step="0"] .funnel-shell { padding-top: 92px; }
.funnel-page[data-funnel-step="0"] .funnel-topbar { background: linear-gradient(to bottom, rgba(7, 29, 22, 0.94), transparent); }
.funnel-step[data-step="0"] { max-width: 720px; margin-left: auto; margin-right: auto; }
.funnel-intro { margin: 0 0 38px; }
.funnel-intro-kicker {
  display: flex; align-items: center; gap: 10px; margin-bottom: 24px;
  color: rgba(250, 246, 238, 0.42); font-size: 0.77rem; font-weight: 600;
  letter-spacing: 0.16em; text-transform: uppercase;
}
.funnel-intro-kicker span { color: rgba(201, 162, 75, 0.72); }
.funnel-intro h1 {
  color: var(--cream); font-family: var(--font-display); font-size: clamp(3rem, 6vw, 4.65rem);
  font-style: italic; font-weight: 430; letter-spacing: -0.035em; line-height: 0.98;
}
.funnel-intro h1 em { color: var(--cream); font-weight: 430; }
.funnel-question { max-width: 680px; margin-bottom: 30px; }
.funnel-eyebrow {
  color: var(--gold); margin-bottom: 13px; font-size: 0.69rem; font-weight: 700;
  letter-spacing: 0.17em; text-transform: uppercase;
}
.funnel-question h1, .funnel-success h1 {
  color: var(--cream); font-family: var(--font-display); font-size: clamp(2.25rem, 5vw, 3.45rem);
  font-weight: 520; letter-spacing: -0.025em; line-height: 1.04;
}
.funnel-question h1 em, .funnel-success h1 em { color: #d3ad58; font-weight: 470; }
.funnel-question > p:last-child, .funnel-success > p {
  max-width: 610px; margin-top: 16px; color: rgba(250, 246, 238, 0.55); font-size: 0.96rem; line-height: 1.65;
}
.funnel-question-featured { max-width: 850px; margin-bottom: 32px; }
.funnel-question-featured h2 {
  color: var(--cream); font-family: var(--font-display); font-size: clamp(1.8rem, 3vw, 2.45rem);
  font-style: italic; font-weight: 480; line-height: 1.12;
}
.funnel-question-featured > p:last-child {
  margin-top: 17px; color: rgba(250, 246, 238, 0.42); font-size: 1rem; line-height: 1.6;
}
.funnel-step:not([data-step="0"]):not(.funnel-success) { max-width: 760px; margin-left: auto; margin-right: auto; }

.funnel-options { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.funnel-option {
  display: grid; grid-template-columns: auto 1fr auto; gap: 14px; align-items: start;
  min-height: 142px; padding: 21px; text-align: left;
  color: var(--cream); background: rgba(250, 246, 238, 0.045);
  border: 1px solid rgba(250, 246, 238, 0.11); border-radius: 14px;
  box-shadow: 0 18px 50px rgba(0, 0, 0, 0.12);
  transition: border-color 0.18s ease, background 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
}
.funnel-option:hover { transform: translateY(-2px); border-color: rgba(201, 162, 75, 0.62); background: rgba(250, 246, 238, 0.072); box-shadow: 0 22px 58px rgba(0, 0, 0, 0.2); }
.funnel-option:focus-visible, .funnel-age:focus-visible, .funnel-submit:focus-visible, .funnel-back:focus-visible { outline: 2px solid #e0c276; outline-offset: 3px; }
.funnel-option.selected { border-color: var(--gold); background: rgba(201, 162, 75, 0.1); box-shadow: inset 0 0 0 1px rgba(201, 162, 75, 0.22); }
.funnel-option-soft { background: rgba(20, 80, 63, 0.27); }
.funnel-option-mark {
  display: grid; place-items: center; min-width: 35px; height: 35px; padding: 0 6px;
  border: 1px solid rgba(201, 162, 75, 0.3); border-radius: 9px;
  color: var(--gold); font-size: 0.68rem; font-weight: 700; letter-spacing: 0.04em;
}
.funnel-option strong { display: block; color: var(--cream); font-family: var(--font-display); font-size: 1.13rem; font-weight: 540; line-height: 1.22; }
.funnel-option small { display: block; margin-top: 8px; color: rgba(250, 246, 238, 0.47); font-size: 0.77rem; line-height: 1.45; }
.funnel-arrow { align-self: center; color: rgba(201, 162, 75, 0.56); transition: transform 0.18s ease; }
.funnel-option:hover .funnel-arrow { transform: translateX(3px); color: var(--gold); }
.funnel-reassurance { margin-top: 25px; text-align: center; color: rgba(250, 246, 238, 0.3); font-size: 0.73rem; }

.funnel-option-image {
  position: relative; display: block; min-height: 0; aspect-ratio: 1.25 / 1;
  padding: 0; overflow: hidden; isolation: isolate;
  border-color: rgba(250, 246, 238, 0.14); background: #10261d;
}
.funnel-card-image, .funnel-card-shade, .funnel-sprite { position: absolute; inset: 0; }
.funnel-card-image img {
  width: 100%; height: 100%; object-fit: cover;
  filter: saturate(0.82) contrast(0.98) brightness(0.88);
  transition: transform 0.5s ease, filter 0.3s ease;
}
.funnel-sprite {
  background-repeat: no-repeat;
  background-position: center;
  background-size: cover;
  filter: saturate(0.82) contrast(0.98) brightness(0.88);
  transition: transform 0.5s ease, filter 0.3s ease;
}
.sprite-dependientes.sprite-pos-1 { background-image: url('../assets/funnel/dependientes-1.jpg'); }
.sprite-dependientes.sprite-pos-2 { background-image: url('../assets/funnel/dependientes-2.jpg'); }
.sprite-dependientes.sprite-pos-3 { background-image: url('../assets/funnel/dependientes-3.jpg'); }
.sprite-dependientes.sprite-pos-4 { background-image: url('../assets/funnel/dependientes-4.jpg'); }
.sprite-cobertura.sprite-pos-1 { background-image: url('../assets/funnel/cobertura-actual-1.jpg'); }
.sprite-cobertura.sprite-pos-2 { background-image: url('../assets/funnel/cobertura-actual-2.jpg'); }
.sprite-cobertura.sprite-pos-3 { background-image: url('../assets/funnel/cobertura-actual-3.jpg'); }
.sprite-cobertura.sprite-pos-4 { background-image: url('../assets/funnel/cobertura-actual-4.jpg'); }
.sprite-proteccion.sprite-pos-1 { background-image: url('../assets/funnel/proteccion-1.jpg'); }
.sprite-proteccion.sprite-pos-2 { background-image: url('../assets/funnel/proteccion-2.jpg'); }
.sprite-proteccion.sprite-pos-3 { background-image: url('../assets/funnel/proteccion-3.jpg'); }
.sprite-proteccion.sprite-pos-4 { background-image: url('../assets/funnel/proteccion-4.jpg'); }
.sprite-momento.sprite-pos-1 { background-image: url('../assets/funnel/momento-1.jpg'); }
.sprite-momento.sprite-pos-2 { background-image: url('../assets/funnel/momento-2.jpg'); }
.sprite-momento.sprite-pos-3 { background-image: url('../assets/funnel/momento-3.jpg'); }
.sprite-momento.sprite-pos-4 { background-image: url('../assets/funnel/momento-4.jpg'); }
.funnel-options-image-compact { gap: 12px; }
.funnel-options-image-compact .funnel-option-image { aspect-ratio: 1.42 / 1; }
.funnel-options-image-compact .funnel-card-copy { left: 20px; right: 20px; bottom: 18px; }
.funnel-options-image-compact .funnel-card-copy strong { font-size: 1.2rem; }
.funnel-card-shade {
  z-index: 1; pointer-events: none;
  background: linear-gradient(to top, rgba(4, 18, 13, 0.96) 0%, rgba(4, 18, 13, 0.68) 34%, rgba(4, 18, 13, 0.04) 72%);
}
.funnel-card-copy {
  position: absolute; z-index: 2; left: 30px; right: 30px; bottom: 29px;
  display: block; text-align: left;
}
.funnel-option-image .funnel-card-copy strong {
  color: #fffaf0; font-size: 1.48rem; font-style: italic; font-weight: 450; line-height: 1.12;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.32);
}
.funnel-option-image .funnel-card-copy small {
  display: none;
}
.funnel-option-image:hover .funnel-card-image img,
.funnel-option-image:hover .funnel-sprite { transform: scale(1.035); filter: saturate(0.95) contrast(1) brightness(0.94); }
.funnel-option-image.selected { border-color: #e0bd6c; box-shadow: 0 0 0 2px rgba(201, 162, 75, 0.35), 0 22px 58px rgba(0, 0, 0, 0.24); }
.funnel-option-image.selected::after {
  content: "✓"; position: absolute; z-index: 3; top: 14px; right: 14px;
  display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%;
  background: var(--gold); color: var(--green-950); font-size: 0.78rem; font-weight: 800;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.24);
}

.funnel-age-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 13px; }
.funnel-age {
  min-height: 88px; border: 1px solid rgba(250, 246, 238, 0.12); border-radius: 14px;
  background: rgba(250, 246, 238, 0.045); color: var(--cream);
  font-family: var(--font-display); font-size: 1.45rem; transition: 0.18s ease;
}
.funnel-age:hover { transform: translateY(-2px); border-color: var(--gold); background: rgba(201, 162, 75, 0.08); }
.funnel-age.selected { border-color: var(--gold); background: rgba(201, 162, 75, 0.12); }

.funnel-back {
  display: block; margin: 34px auto 0; padding: 9px 16px; border: 0; background: transparent;
  color: rgba(250, 246, 238, 0.38); font-size: 0.75rem; font-weight: 600;
}
.funnel-back:hover:not(:disabled) { color: var(--cream); }
.funnel-back:disabled { visibility: hidden; }

.funnel-loading {
  position: fixed; z-index: 50; inset: 0; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 18px;
  background: rgba(4, 19, 14, 0.9); backdrop-filter: blur(9px); -webkit-backdrop-filter: blur(9px);
}
.funnel-loading[hidden] { display: none; }
.funnel-loading-mark {
  position: relative; display: grid; place-items: center; width: 82px; height: 82px;
  border: 1px solid rgba(201, 162, 75, 0.45); border-radius: 22px;
  background: rgba(201, 162, 75, 0.09); color: var(--gold);
  font-family: var(--font-display); font-size: 1.15rem; font-weight: 650;
}
.funnel-loading-mark::after { content: ""; position: absolute; inset: -11px; border: 1px solid rgba(201, 162, 75, 0.18); border-radius: 28px; animation: funnelPulse 0.8s ease infinite alternate; }
@keyframes funnelPulse { to { transform: scale(1.08); opacity: 0.35; } }
.funnel-loading p { color: rgba(250, 246, 238, 0.52); font-size: 0.76rem; letter-spacing: 0.04em; }

.funnel-result-badge {
  display: inline-flex; align-items: center; gap: 8px; padding: 8px 12px; margin-bottom: 22px;
  border: 1px solid rgba(201, 162, 75, 0.32); border-radius: 999px;
  background: rgba(201, 162, 75, 0.07); color: rgba(250, 246, 238, 0.76); font-size: 0.72rem; font-weight: 600;
}
.funnel-result-badge span { color: var(--gold); }
.funnel-recommendation {
  padding: 24px 26px; margin: 2px 0 28px; border: 1px solid rgba(201, 162, 75, 0.25);
  border-radius: 16px; background: linear-gradient(145deg, rgba(201, 162, 75, 0.1), rgba(250, 246, 238, 0.035));
}
.funnel-recommendation > p { color: var(--gold); font-size: 0.65rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; }
.funnel-recommendation > strong { display: block; margin-top: 7px; color: var(--cream); font-family: var(--font-display); font-size: 1.45rem; font-weight: 540; }
.funnel-recommendation > span { display: block; margin-top: 7px; color: rgba(250, 246, 238, 0.52); font-size: 0.82rem; line-height: 1.55; }
.funnel-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(250, 246, 238, 0.1); }
.funnel-summary span { display: flex; flex-direction: column; }
.funnel-summary small { color: rgba(250, 246, 238, 0.36); font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.1em; }
.funnel-summary strong { margin-top: 3px; color: rgba(250, 246, 238, 0.82); font-size: 0.82rem; }

.funnel-form { display: grid; gap: 18px; }
.funnel-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.funnel-field label { display: block; margin-bottom: 7px; color: rgba(250, 246, 238, 0.76); font-size: 0.72rem; font-weight: 650; letter-spacing: 0.05em; }
.funnel-field label span { color: rgba(250, 246, 238, 0.35); font-weight: 500; }
.funnel-field input, .funnel-field select {
  width: 100%; height: 54px; padding: 0 15px;
  border: 1px solid rgba(250, 246, 238, 0.13); border-radius: 11px;
  background: rgba(250, 246, 238, 0.055); color: var(--cream); font-size: 0.92rem;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.funnel-field select { color-scheme: dark; }
.funnel-field input::placeholder { color: rgba(250, 246, 238, 0.25); }
.funnel-field input:focus, .funnel-field select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.12); }
.funnel-field.error input, .funnel-field.error select { border-color: #dc7b68; }
.funnel-field .error-msg, .funnel-consent-error { display: none; margin-top: 6px; color: #e79a8a; font-size: 0.72rem; }
.funnel-field.error .error-msg { display: block; }
.funnel-consent { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: start; color: rgba(250, 246, 238, 0.45); font-size: 0.69rem; line-height: 1.5; }
.funnel-consent input { width: 17px; height: 17px; margin-top: 2px; accent-color: var(--gold); }
.funnel-submit {
  display: flex; align-items: center; justify-content: center; gap: 10px; width: 100%; min-height: 56px;
  border: 0; border-radius: 12px; background: linear-gradient(135deg, #dcb860, var(--gold));
  color: var(--green-950); font-size: 0.92rem; font-weight: 700; box-shadow: 0 14px 34px rgba(201, 162, 75, 0.2);
}
.funnel-submit:hover { transform: translateY(-1px); box-shadow: 0 18px 42px rgba(201, 162, 75, 0.3); }
.funnel-submit:disabled { opacity: 0.6; transform: none; }
.funnel-privacy { text-align: center; color: rgba(250, 246, 238, 0.28); font-size: 0.68rem; }
.funnel-form .form-status { color: rgba(250, 246, 238, 0.65); text-align: center; font-size: 0.78rem; }
.funnel-form .form-status.error { color: #e79a8a; }

.funnel-success { max-width: 690px; margin: 50px auto 0; text-align: center; }
.funnel-success-mark { display: grid; place-items: center; width: 72px; height: 72px; margin: 0 auto 24px; border: 1px solid rgba(201, 162, 75, 0.44); border-radius: 22px; background: rgba(201, 162, 75, 0.1); color: var(--gold); font-size: 1.65rem; }
.funnel-success .funnel-eyebrow { margin-bottom: 14px; }
.funnel-success > p { margin-left: auto; margin-right: auto; }
.funnel-next-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 34px; }
.funnel-next-steps span { padding: 17px 13px; border: 1px solid rgba(250, 246, 238, 0.1); border-radius: 13px; background: rgba(250, 246, 238, 0.035); color: rgba(250, 246, 238, 0.68); font-size: 0.76rem; line-height: 1.4; }
.funnel-next-steps b { display: grid; place-items: center; width: 25px; height: 25px; margin: 0 auto 9px; border-radius: 50%; background: rgba(201, 162, 75, 0.14); color: var(--gold); }
.funnel-home-link { display: inline-flex; margin-top: 32px; padding-bottom: 3px; border-bottom: 1px solid rgba(201, 162, 75, 0.35); color: rgba(250, 246, 238, 0.7); text-decoration: none; font-size: 0.8rem; }
.funnel-footer { position: relative; z-index: 2; max-width: 700px; margin: 0 auto; padding: 0 24px 34px; text-align: center; color: rgba(250, 246, 238, 0.24); font-size: 0.64rem; line-height: 1.55; }

@media (max-width: 720px) {
  .funnel-topbar { height: 70px; padding: 0 16px; }
  .funnel-logo .logo-mark { width: 34px; height: 34px; }
  .funnel-logo .logo-text { font-size: 1rem; }
  .funnel-logo .logo-text small { display: none; }
  .funnel-security { padding: 8px 10px; font-size: 0.64rem; }
  .funnel-security > span { display: none; }
  .funnel-shell { padding: 92px 16px 42px; }
  .funnel-page[data-funnel-step="0"] .funnel-shell { padding-top: 84px; }
  .funnel-intro { margin-bottom: 46px; }
  .funnel-intro-kicker { margin-bottom: 18px; font-size: 0.64rem; }
  .funnel-intro h1 { font-size: clamp(2.65rem, 14vw, 3.65rem); }
  .funnel-intro > p:last-child { margin-top: 16px; font-size: 0.83rem; line-height: 1.5; }
  .funnel-question-featured h2 { font-size: 1.7rem; }
  .funnel-step-count { margin-bottom: 17px; }
  .funnel-question { margin-bottom: 24px; }
  .funnel-question h1, .funnel-success h1 { font-size: clamp(2rem, 10vw, 2.7rem); }
  .funnel-options { grid-template-columns: 1fr; gap: 10px; }
  .funnel-option { min-height: 0; padding: 17px; }
  .funnel-option strong { font-size: 1.05rem; }
  .funnel-option small { margin-top: 5px; }
  .funnel-option-image { padding: 0; aspect-ratio: 1.5 / 1; }
  .funnel-options-image-compact .funnel-option-image { aspect-ratio: 1.55 / 1; }
  .funnel-option-image .funnel-card-copy strong { font-size: 1.2rem; }
  .funnel-card-copy { left: 18px; right: 18px; bottom: 17px; }
  .funnel-age-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .funnel-age { min-height: 72px; font-size: 1.25rem; }
  .funnel-form-grid, .funnel-summary { grid-template-columns: 1fr; }
  .funnel-summary { gap: 9px; }
  .funnel-next-steps { grid-template-columns: 1fr; }
  .funnel-next-steps span { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: center; text-align: left; }
  .funnel-next-steps b { margin: 0; }
  .funnel-success { margin-top: 24px; }
}

@media (prefers-reduced-motion: reduce) {
  .funnel-step, .funnel-loading-mark::after { animation: none; }
  .funnel-option, .funnel-age, .funnel-submit { transition: none; }
}

/* ============================================================
   CENTRO DE HERRAMIENTAS — cálculos educativos
   ============================================================ */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
.home-tools-section { background: var(--cream-2); border-top: 1px solid var(--line); }
.home-tools-intro {
  display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(300px, 0.7fr);
  gap: 80px; align-items: end; margin-bottom: 42px;
}
.home-tools-intro h2 { max-width: 680px; }
.home-tools-intro > div:last-child > p { margin-bottom: 20px; color: var(--ink-soft); line-height: 1.7; }
.home-tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--line); background: rgba(255, 255, 255, 0.45); }
.home-tool-card {
  display: grid; grid-template-columns: auto 1fr auto; gap: 18px; align-items: center;
  min-height: 112px; padding: 26px 30px; color: var(--ink); text-decoration: none; border-right: 1px solid var(--line);
  transition: background 0.18s ease, transform 0.18s ease;
}
.home-tool-card:last-child { border-right: 0; }
.home-tool-card > span { color: var(--gold-2); font-family: var(--font-display); font-size: 1.08rem; }
.home-tool-card strong { display: block; color: var(--green-950); font-family: var(--font-display); font-size: 1.2rem; font-weight: 580; line-height: 1.18; }
.home-tool-card small { display: block; margin-top: 12px; color: var(--ink-soft); font-size: 0.76rem; line-height: 1.55; }
.home-tool-card > b { align-self: center; color: var(--gold-2); font-size: 1.15rem; font-weight: 500; transition: transform 0.18s ease; }
.home-tool-card:hover { background: var(--white); transform: translateY(-3px); }
.home-tool-card:hover > b { transform: translateX(4px); }
.home-tool-card:focus-visible { outline: 3px solid rgba(201, 162, 75, 0.4); outline-offset: -3px; }
.home-tools-more {
  display: flex; flex-wrap: wrap; align-items: center; gap: 10px 28px; padding: 22px 0 0;
  color: var(--ink-soft); font-size: 0.74rem;
}
.home-tools-more > span { color: var(--green-900); font-weight: 700; }
.home-tools-more a { color: var(--green-800); text-decoration: none; border-bottom: 1px solid rgba(14, 59, 46, 0.24); }
.home-tools-more a:hover { color: var(--gold-2); border-color: var(--gold-2); }
.home-tools-more b { margin-left: 5px; font-weight: 500; }
.tools-page { background: var(--cream); }
.tools-page .site-header { border-bottom-color: rgba(14, 59, 46, 0.1); }
.tools-hero {
  position: relative; overflow: hidden; padding: 92px 0 84px;
  background: var(--green-950); color: var(--cream);
}
.tools-hero::after {
  content: ""; position: absolute; right: -6vw; bottom: -230px;
  width: 520px; height: 520px; border: 1px solid rgba(201, 162, 75, 0.2); border-radius: 50%;
  box-shadow: 0 0 0 70px rgba(201, 162, 75, 0.035), 0 0 0 140px rgba(201, 162, 75, 0.025);
}
.tools-hero-grid {
  position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(280px, 0.55fr);
  gap: 80px; align-items: end;
}
.tools-hero h1 { max-width: 820px; color: var(--cream); font-size: clamp(3rem, 6vw, 5.8rem); line-height: 0.96; }
.tools-hero .eyebrow { margin-bottom: 24px; }
.tools-hero-aside { padding: 0 0 8px 27px; border-left: 1px solid rgba(201, 162, 75, 0.35); }
.tools-hero-aside p { color: rgba(250, 246, 238, 0.7); font-size: 1rem; line-height: 1.75; }
.tools-hero-aside span {
  display: block; margin-top: 24px; color: var(--gold); font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
}

.tools-workspace { padding: 0 0 108px; background: var(--cream); }
.tools-tabs {
  display: grid; grid-template-columns: repeat(5, 1fr); margin: 0 0 70px;
  border: 1px solid var(--line); border-top: 0; background: rgba(255, 255, 255, 0.48);
}
.tools-swipe-hint { display: none; }
.tools-tab {
  position: relative; display: grid; grid-template-columns: auto 1fr; column-gap: 14px; row-gap: 2px;
  min-height: 102px; padding: 22px 16px; text-align: left; color: var(--ink-soft);
  background: transparent; border: 0; border-right: 1px solid var(--line); transition: background 0.18s ease, color 0.18s ease;
}
.tools-tab:last-child { border-right: 0; }
.tools-tab::before { content: ""; position: absolute; top: 0; left: 0; right: 100%; height: 3px; background: var(--gold); transition: right 0.22s ease; }
.tools-tab > span { grid-row: 1 / 3; padding-top: 2px; color: var(--gold-2); font-family: var(--font-display); font-size: 1.05rem; }
.tools-tab strong { color: var(--green-950); font-family: var(--font-display); font-size: 1.02rem; font-weight: 580; line-height: 1.15; }
.tools-tab small { color: var(--ink-soft); font-size: 0.64rem; line-height: 1.3; }
.tools-tab:hover { background: var(--white); }
.tools-tab.active { background: var(--white); color: var(--green-950); }
.tools-tab.active::before { right: 0; }
.tools-tab:focus-visible { outline: 3px solid rgba(201, 162, 75, 0.38); outline-offset: -3px; }

.tool-panel { scroll-margin-top: 110px; }
.tool-panel[hidden] { display: none; }
.tool-panel-heading {
  display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
  gap: 70px; align-items: end; margin-bottom: 34px;
}
.tool-panel-heading h2 { max-width: 780px; color: var(--green-950); font-size: clamp(2.25rem, 4.3vw, 4rem); line-height: 1.02; }
.tool-panel-heading > p { max-width: 480px; color: var(--ink-soft); line-height: 1.72; }
.tool-layout { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(340px, 0.85fr); gap: 22px; align-items: start; }
.tool-card, .tool-result { border: 1px solid var(--line); border-radius: 22px; }
.tool-card { padding: 36px; background: rgba(255, 255, 255, 0.72); box-shadow: 0 18px 60px rgba(11, 43, 33, 0.05); }
.tool-form fieldset { padding: 0; margin: 0; border: 0; }
.tool-form fieldset + fieldset { margin-top: 34px; padding-top: 30px; border-top: 1px solid var(--line); }
.tool-form legend {
  width: 100%; margin-bottom: 19px; color: var(--green-950); font-family: var(--font-display);
  font-size: 1.24rem; font-weight: 580;
}
.tool-field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 17px; }
.tool-field { display: grid; gap: 8px; color: var(--ink-soft); font-size: 0.76rem; font-weight: 600; }
.tool-field > span:first-child { min-height: 1.15em; }
.tool-field input, .tool-field select {
  width: 100%; height: 52px; padding: 0 14px; border: 1px solid rgba(14, 59, 46, 0.17);
  border-radius: 9px; background: var(--cream); color: var(--green-950); font: 600 0.92rem var(--font-body);
  transition: border-color 0.16s ease, box-shadow 0.16s ease, background 0.16s ease;
}
.tool-field select { appearance: auto; }
.tool-field input:focus, .tool-field select:focus {
  outline: 0; border-color: var(--gold-2); background: var(--white); box-shadow: 0 0 0 3px rgba(201, 162, 75, 0.15);
}
.money-input { position: relative; display: block; }
.money-input b { position: absolute; z-index: 1; left: 14px; top: 50%; transform: translateY(-50%); color: var(--gold-2); font-weight: 700; }
.money-input input { padding-left: 31px; }
.tool-reset {
  margin-top: 28px; padding: 0 0 4px; color: var(--green-800); background: transparent; border: 0;
  border-bottom: 1px solid rgba(14, 59, 46, 0.24); font-size: 0.72rem; font-weight: 650;
}
.tool-reset:hover { color: var(--gold-2); border-color: var(--gold-2); }
.tool-reset:focus-visible, .tool-radio:has(input:focus-visible) { outline: 2px solid var(--gold-2); outline-offset: 3px; }

.tool-result {
  position: sticky; top: 112px; min-height: 540px; padding: 42px;
  background: var(--green-950); color: var(--cream); box-shadow: 0 24px 70px rgba(11, 43, 33, 0.15);
}
.tool-result-kicker { margin-bottom: 17px; color: var(--gold); font-size: 0.68rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; }
.tool-result output {
  display: block; margin-bottom: 17px; color: var(--cream); font-family: var(--font-display);
  font-size: clamp(2.8rem, 5vw, 4.9rem); font-weight: 520; line-height: 0.98; letter-spacing: -0.045em;
}
.tool-result > p:not(.tool-result-kicker):not(.tool-fine-print):not(.tool-source-note) { color: rgba(250, 246, 238, 0.6); line-height: 1.65; }
.tool-result-breakdown { margin: 32px 0 0; border-top: 1px solid rgba(250, 246, 238, 0.13); }
.tool-result-breakdown div { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; padding: 14px 0; border-bottom: 1px solid rgba(250, 246, 238, 0.1); }
.tool-result-breakdown dt { color: rgba(250, 246, 238, 0.5); font-size: 0.73rem; }
.tool-result-breakdown dd { color: var(--cream); font-size: 0.85rem; font-weight: 650; }
.tool-result-actions { display: grid; gap: 17px; margin-top: 32px; }
.tool-result-actions .btn { width: 100%; text-align: center; }
.tool-text-link { width: max-content; max-width: 100%; padding-bottom: 4px; border-bottom: 1px solid rgba(201, 162, 75, 0.35); color: rgba(250, 246, 238, 0.75); text-decoration: none; font-size: 0.76rem; font-weight: 600; }
.tool-text-link:hover { color: var(--gold); border-color: var(--gold); }
.tool-fine-print, .tool-source-note { margin-top: 27px; color: rgba(250, 246, 238, 0.38); font-size: 0.68rem; line-height: 1.55; }
.tool-source-note a { color: rgba(250, 246, 238, 0.7); text-decoration-color: rgba(201, 162, 75, 0.45); }

.tool-choice-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.tool-choice-row.compact { grid-template-columns: repeat(3, 1fr); }
.tool-choice-stack { display: grid; gap: 10px; }
.tool-radio { display: block; cursor: pointer; }
.tool-radio input { position: absolute; opacity: 0; pointer-events: none; }
.tool-radio > span {
  position: relative; display: block; min-height: 74px; padding: 16px 17px 16px 45px;
  border: 1px solid rgba(14, 59, 46, 0.16); border-radius: 11px; background: var(--cream);
  transition: border-color 0.16s ease, background 0.16s ease, transform 0.16s ease;
}
.tool-radio > span::before {
  content: ""; position: absolute; left: 17px; top: 19px; width: 14px; height: 14px;
  border: 1px solid rgba(14, 59, 46, 0.4); border-radius: 50%; background: var(--white); box-shadow: inset 0 0 0 3px var(--white);
}
.tool-radio strong { display: block; color: var(--green-950); font-size: 0.82rem; line-height: 1.4; }
.tool-radio small { display: block; margin-top: 5px; color: var(--ink-soft); font-size: 0.68rem; line-height: 1.45; }
.tool-radio:hover > span { transform: translateY(-1px); border-color: rgba(176, 138, 52, 0.55); background: var(--white); }
.tool-radio:has(input:checked) > span { border-color: var(--gold-2); background: var(--gold-soft); box-shadow: inset 0 0 0 1px rgba(176, 138, 52, 0.18); }
.tool-radio:has(input:checked) > span::before { background: var(--gold-2); }
.compare-form .tool-radio > span { min-height: 0; }
.comparison-result output { max-width: 9ch; font-size: clamp(2.55rem, 4.2vw, 4rem); line-height: 1.02; }
.comparison-watch { margin-top: 30px; padding-top: 25px; border-top: 1px solid rgba(250, 246, 238, 0.13); }
.comparison-watch h3 { margin-bottom: 13px; color: var(--gold); font-family: var(--font-body); font-size: 0.68rem; letter-spacing: 0.13em; text-transform: uppercase; }
.comparison-watch ol { display: grid; gap: 10px; padding-left: 20px; color: rgba(250, 246, 238, 0.67); font-size: 0.76rem; line-height: 1.55; }
.tool-watch-list { display: grid; gap: 10px; padding-left: 18px; color: rgba(250, 246, 238, 0.67); font-size: 0.76rem; line-height: 1.55; }

.tool-field-help { margin: -8px 0 20px; color: var(--ink-soft); font-size: 0.73rem; line-height: 1.55; }
.beneficiary-rows { display: grid; gap: 13px; }
.beneficiary-row {
  position: relative; display: grid; grid-template-columns: 72px minmax(150px, 1.1fr) minmax(100px, 0.65fr) minmax(120px, 0.75fr) 34px;
  gap: 12px; align-items: end; padding: 16px; border: 1px solid var(--line); border-radius: 12px; background: var(--cream);
}
.beneficiary-index { align-self: center; color: var(--gold-2); font-family: var(--font-display); font-size: 0.86rem; font-weight: 600; }
.percent-input { position: relative; display: block; }
.percent-input input { padding-right: 32px; }
.percent-input b { position: absolute; right: 13px; top: 50%; transform: translateY(-50%); color: var(--gold-2); font-size: 0.8rem; }
.beneficiary-remove {
  display: grid; place-items: center; width: 32px; height: 32px; margin-bottom: 10px; border: 1px solid rgba(14, 59, 46, 0.18);
  border-radius: 50%; background: transparent; color: var(--ink-soft); font-size: 1.1rem; line-height: 1;
}
.beneficiary-remove:hover { border-color: #a95d4f; color: #8c463a; background: #fff6f2; }
.beneficiary-remove[hidden] { display: block; visibility: hidden; }
.tool-secondary-button {
  margin-top: 15px; padding: 11px 14px; border: 1px solid rgba(14, 59, 46, 0.18); border-radius: 9px;
  background: transparent; color: var(--green-800); font-size: 0.72rem; font-weight: 700;
}
.tool-secondary-button:hover:not(:disabled) { border-color: var(--gold-2); background: var(--gold-soft); }
.tool-secondary-button:disabled { opacity: 0.48; cursor: default; }
.tool-question-pair { display: grid; grid-template-columns: 1fr minmax(210px, 0.65fr); gap: 22px; align-items: center; }
.tool-question-pair + .tool-question-pair { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line); }
.tool-question-pair p { color: var(--green-950); font-size: 0.78rem; font-weight: 700; }
.tool-question-pair small { display: block; margin-top: 5px; color: var(--ink-soft); font-size: 0.67rem; line-height: 1.4; }
.tool-choice-row.two-choice { grid-template-columns: 1fr 1.35fr; }
.tool-choice-row.two-choice .tool-radio > span { min-height: 56px; padding-top: 17px; }
.beneficiary-result output { font-size: clamp(2.5rem, 4.3vw, 4rem); }

.policy-type-field { max-width: 390px; }
.review-checklist { display: grid; gap: 9px; }
.review-check { position: relative; display: grid; grid-template-columns: auto 1fr; gap: 13px; align-items: start; padding: 15px 16px; border: 1px solid var(--line); border-radius: 10px; background: var(--cream); cursor: pointer; transition: border-color 0.16s ease, background 0.16s ease; }
.review-check:hover { border-color: rgba(176, 138, 52, 0.55); background: var(--white); }
.review-check:has(input:checked) { border-color: rgba(176, 138, 52, 0.65); background: var(--gold-soft); }
.review-check:has(input:focus-visible) { outline: 2px solid var(--gold-2); outline-offset: 3px; }
.review-check input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--gold-2); }
.review-check strong { display: block; color: var(--green-950); font-size: 0.79rem; }
.review-check small { display: block; margin-top: 4px; color: var(--ink-soft); font-size: 0.67rem; line-height: 1.45; }
.review-result output { font-size: clamp(3rem, 5vw, 4.8rem); }

.tools-privacy-band { padding: 32px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--green-50); }
.tools-privacy-band .container { display: grid; grid-template-columns: 210px 1fr; gap: 42px; align-items: center; }
.tools-privacy-band span { color: var(--green-900); font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; }
.tools-privacy-band p { color: var(--ink-soft); font-size: 0.8rem; line-height: 1.65; }

@media (max-width: 980px) {
  .home-tools-intro { grid-template-columns: 1fr; gap: 24px; }
  .home-tools-grid { grid-template-columns: 1fr; }
  .home-tool-card { min-height: 0; border-right: 0; border-bottom: 1px solid var(--line); }
  .home-tool-card:last-child { border-bottom: 0; }
  .tools-hero-grid, .tool-panel-heading { grid-template-columns: 1fr; gap: 30px; }
  .tools-hero-aside { max-width: 620px; }
  .tools-tabs { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: thin; }
  .tools-tab { flex: 0 0 210px; scroll-snap-align: start; }
  .tool-layout { grid-template-columns: 1fr; }
  .tool-result { position: relative; top: auto; min-height: 0; }
  .beneficiary-row { grid-template-columns: 64px 1fr 0.7fr 0.8fr 34px; }
}

@media (max-width: 720px) {
  .tools-hero { padding: 64px 0 58px; }
  .tools-hero h1 { font-size: clamp(2.7rem, 13vw, 4rem); }
  .tools-hero-aside { padding-left: 18px; }
  .tools-workspace { padding-bottom: 76px; }
  .tools-tabs { margin-bottom: 52px; }
  .tools-tab { flex-basis: 185px; min-height: 76px; padding: 16px 18px; }
  .tools-tab small { display: none; }
  .tool-panel-heading { margin-bottom: 25px; }
  .tool-panel-heading h2 { font-size: 2.25rem; }
  .tool-card, .tool-result { padding: 25px 20px; border-radius: 16px; }
  .tool-field-grid, .tool-choice-row, .tool-choice-row.compact { grid-template-columns: 1fr; }
  .tool-choice-row.two-choice { grid-template-columns: 1fr 1.25fr; }
  .beneficiary-row { grid-template-columns: 1fr 1fr; }
  .beneficiary-index { grid-column: 1 / -1; }
  .beneficiary-remove { position: absolute; right: 31px; margin: 0; }
  .tool-question-pair { grid-template-columns: 1fr; gap: 12px; }
  .tool-result output { font-size: 3rem; }
  .tools-privacy-band .container { grid-template-columns: 1fr; gap: 8px; }
}

/* ---------- Mobile conversion polish ---------- */
@media (max-width: 720px) {
  html, body { max-width: 100%; overflow-x: hidden; }

  .header-inner { min-width: 0; }
  .logo { min-width: 0; }
  .logo-text { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
  .header-cta { margin-left: auto; flex: 0 0 auto; }
  .header-cta .btn, .header-language { display: none; }
  .main-nav {
    top: 72px; max-height: calc(100svh - 72px); overflow-y: auto;
    gap: 0; padding: 8px 24px 18px; background: #faf6ee;
  }
  .main-nav a {
    display: flex; align-items: center; width: 100%; min-height: 50px;
    border-bottom: 1px solid rgba(14, 59, 46, 0.1); font-size: 0.88rem;
  }
  .main-nav a:last-child { border-bottom: 0; }
  body.nav-open { overflow: hidden; }
  .home-page .main-nav { top: 74px; }

  .home-page .guidance-layout { grid-template-columns: minmax(0, 1fr); gap: 34px; }
  .home-page .guided-choices { width: 100%; min-width: 0; }
  .home-page .guided-choices a,
  .home-page .guided-choices .guided-choice-help {
    grid-template-columns: 30px minmax(0, 1fr) 18px;
    gap: 12px; width: 100%; min-width: 0; padding: 20px 0;
  }

  .home-page .editorial-hero .eyebrow { margin-bottom: 20px; }
  .home-page .editorial-hero h1 {
    max-width: 10ch; margin-bottom: 20px;
    font-size: clamp(2.85rem, 13vw, 3.15rem); line-height: 0.96;
  }
  .home-page .editorial-hero .lead { margin-bottom: 24px; font-size: 0.98rem; line-height: 1.55; }
  .editorial-hero-grid { gap: 26px; padding-top: 26px; padding-bottom: 38px; }
  .editorial-hero-copy { padding-top: 18px; }
  .editorial-hero-copy .editorial-text-link { display: none; }
  .home-page .hero-note { margin-top: 18px; }
  .editorial-hero-photo { min-height: 310px; width: calc(100% - 10px); margin-right: 0; }
  .editorial-hero-photo::before { inset: 10px -10px -10px 10px; }
  .editorial-trust-rail p { padding: 18px 4px; }

  body:not(.quote-page) { padding-bottom: 64px; }
  .mobile-quote-bar { min-height: 58px; padding: 7px 16px; background: rgba(11, 43, 33, 0.985); }
  .mobile-quote-bar > strong { font-size: 0.76rem; line-height: 1.25; }
  .mobile-quote-bar .btn { min-height: 44px; padding: 10px 17px; font-size: 0.8rem; }

  .home-tools-more { display: grid; gap: 0; padding-top: 15px; font-size: 0.78rem; }
  .home-tools-more > span { padding: 10px 0 4px; }
  .home-tools-more a {
    display: flex; align-items: center; min-height: 44px; border-bottom-color: var(--line);
  }

  .site-footer { padding-top: 52px; }
  .footer-grid { gap: 22px; margin-bottom: 34px; }
  .footer-col h4 { margin-bottom: 7px; }
  .footer-col ul { gap: 0; }
  .footer-col a { display: flex; align-items: center; min-height: 44px; }

  .tools-swipe-hint {
    display: flex; align-items: center; justify-content: space-between;
    margin: 0; padding: 13px 4px 10px; color: var(--ink-soft);
    font-size: 0.7rem; font-weight: 650; letter-spacing: 0.04em;
  }
  .tools-swipe-hint span { color: var(--gold-2); font-size: 1rem; }
  .tools-tabs { margin-bottom: 42px; overscroll-behavior-inline: contain; }

  .funnel-shell { padding: 84px 14px 36px; }
  .funnel-page[data-funnel-step="0"] .funnel-shell { padding-top: 78px; }
  .funnel-intro { margin-bottom: 30px; }
  .funnel-intro-kicker { margin-bottom: 14px; }
  .funnel-intro h1 { font-size: clamp(2.55rem, 12vw, 2.9rem); }
  .funnel-question { margin-bottom: 18px; }
  .funnel-question h1, .funnel-success h1 { font-size: clamp(1.95rem, 8.8vw, 2.2rem); }
  .funnel-question-featured h2 { font-size: 1.55rem; }
  .funnel-question > p:last-child, .funnel-success > p {
    margin-top: 11px; font-size: 0.85rem; line-height: 1.5;
  }

  .funnel-options, .funnel-options-image, .funnel-options-image-compact {
    grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 9px;
  }
  .funnel-option-image, .funnel-options-image-compact .funnel-option-image {
    width: 100%; aspect-ratio: 1.16 / 1; min-width: 0;
  }
  .funnel-card-copy { left: 12px; right: 12px; bottom: 12px; }
  .funnel-option-image .funnel-card-copy strong,
  .funnel-options-image-compact .funnel-card-copy strong {
    font-size: clamp(0.88rem, 4vw, 1rem); line-height: 1.08;
  }
  .funnel-card-shade {
    background: linear-gradient(to top, rgba(4, 18, 13, 0.98) 0%, rgba(4, 18, 13, 0.7) 42%, rgba(4, 18, 13, 0.03) 78%);
  }
  .funnel-reassurance { margin-top: 16px; }
  .funnel-back { min-height: 44px; margin-top: 22px; }

  .funnel-lead-step .funnel-result-badge { margin-bottom: 14px; }
  .funnel-lead-step .funnel-question { margin-bottom: 16px; }
  .funnel-recommendation { padding: 17px 18px; margin-bottom: 20px; border-radius: 13px; }
  .funnel-recommendation > strong { margin-top: 5px; font-size: 1.16rem; line-height: 1.25; }
  .funnel-recommendation > span { margin-top: 5px; font-size: 0.74rem; line-height: 1.42; }
  .funnel-summary { grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 13px; padding-top: 12px; }
  .funnel-form { gap: 14px; }
  .funnel-consent { font-size: 0.7rem; line-height: 1.48; }
  .funnel-footer { padding: 0 18px 26px; }
}

@media print {
  .tools-page .site-header, .tools-hero, .tools-tabs, .tools-privacy-band, .section-tight, .site-footer,
  .tool-form, .tool-result-actions { display: none !important; }
  .tools-workspace { padding: 0; }
  .tool-panel[hidden] { display: none !important; }
  .tool-panel-heading { display: block; }
  .tool-layout { display: block; }
  .tool-result { display: block !important; position: static; color: #111; background: #fff; border: 1px solid #999; box-shadow: none; }
  .tool-result output, .tool-result dd { color: #111; }
}

/* ============================================================
   CAPA DE REFINAMIENTO PREMIUM  ·  2026-07-25
   Eleva el sistema editorial existente sin cambiar su lenguaje:
   sigue siendo plano, de reglas finas y tipografía editorial.
   Aquí se afinan: ritmo tipográfico, alineación de rejillas,
   estados interactivos, accesibilidad y la capa de confianza.
   ============================================================ */

:root {
  /* Reglas finas de precisión: más nítidas que un borde plano */
  --hair: rgba(11, 43, 33, 0.16);
  --hair-strong: rgba(11, 43, 33, 0.28);
  --hair-dark: rgba(250, 246, 238, 0.16);
  --hair-dark-strong: rgba(250, 246, 238, 0.3);
  --focus: #1B6650;
  --ease-out: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- 1 · Ritmo tipográfico ---------- */
/* Evita huérfanas y quiebres torpes en titulares grandes */
h1, h2, h3, .display, .eyebrow, blockquote { text-wrap: balance; }
p, li, figcaption, .lead, small { text-wrap: pretty; }

/* Cifras alineadas en tablas y datos: detalle de página financiera */
table, .rate-table, .est-price, .coverage-display .amount,
.step-num, .guided-choice-num, .home-tool-card span,
output, time, td, th { font-variant-numeric: tabular-nums; }

/* El eyebrow largo ya no rompe la regla de oro a media línea */
.eyebrow { align-items: baseline; }
.eyebrow::before { flex: 0 0 auto; position: relative; top: -0.32em; }

/* Párrafos de lectura: medida óptima y viudas controladas */
.article-body p, .disclosure-item p, .lead { max-width: 68ch; }
.article-body p { orphans: 2; widows: 2; }

/* ---------- 2 · Alineación de rejillas ---------- */
/* Antes: en los pasos, un título de 2 líneas desalineaba el cuerpo de
   texto frente a los de 1 línea. Se reserva la segunda línea para que
   todos los párrafos arranquen en el mismo riel. */
.home-page .step-card h3 { min-height: 2.3em; margin-bottom: 14px; }

@media (max-width: 720px) {
  .home-page .step-card h3 { min-height: 0; }
}

/* ---------- 3 · Superficies: papel, no cajas ---------- */
/* Sin sombras: la profundidad viene de reglas nítidas y matices de papel. */
.home-page .guided-choices a,
.home-page .home-tool-card,
.home-page .faq-q {
  transition: background 0.28s var(--ease-out), padding 0.28s var(--ease-out),
              border-color 0.28s var(--ease-out), color 0.2s var(--ease-out);
}

/* La opción elegida se marca con un filo dorado, no con una sombra */
.home-page .guided-choices a {
  position: relative;
  border-left: 2px solid transparent;
  padding-left: 4px;
}
.home-page .guided-choices a::after {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0;
  width: 2px; background: var(--gold);
  transform: scaleY(0); transform-origin: center;
  transition: transform 0.32s var(--ease-out);
}
.home-page .guided-choices a:hover::after,
.home-page .guided-choices a:focus-visible::after { transform: scaleY(1); }
.home-page .guided-choices a:hover { background: rgba(201, 162, 75, 0.055); }
.home-page .guided-choices a:hover .guided-choice-num { color: var(--gold-2); }

/* Flechas que acompañan el gesto */
.home-page .guided-choices a > span:last-child,
.home-page .home-tool-card b,
.editorial-text-link span,
.btn span[aria-hidden] {
  display: inline-block;
  transition: transform 0.28s var(--ease-out);
}
.home-page .guided-choices a:hover > span:last-child,
.home-page .home-tool-card:hover b,
.editorial-text-link:hover span,
.btn:hover span[aria-hidden] { transform: translateX(4px); }

/* Falta de aire entre texto y flecha en enlaces de texto */
.editorial-text-link { gap: 8px; display: inline-flex; align-items: center; }

/* Tarjetas de herramientas: tinte de papel al pasar el cursor */
.home-page .home-tool-card:hover { background: rgba(255, 255, 255, 0.9); }
.home-page .home-tool-card:hover strong { color: var(--green-800); }
/* Con descripción, el número se alinea con el título, no al centro */
.home-page .home-tool-card { align-items: start; min-height: 138px; }
.home-page .home-tool-card > span { line-height: 1.18; }
.home-page .home-tool-card > b { align-self: end; }
.home-page .home-tool-card small { margin-top: 7px; font-size: 0.84rem; }

/* Filo superior luminoso en secciones oscuras: da sensación de material */
.home-page .bg-green { position: relative; }
.home-page .bg-green::before {
  content: ""; position: absolute; inset: 0 0 auto; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201, 162, 75, 0.5), transparent);
}

/* ---------- 4 · FAQ: control preciso ---------- */
.home-page .faq-q .faq-icon {
  border: 1px solid var(--hair);
  background: transparent;
  color: var(--green-800);
  width: 32px; height: 32px;
  transition: background 0.24s var(--ease-out), border-color 0.24s var(--ease-out),
              color 0.24s var(--ease-out), transform 0.32s var(--ease-out);
}
.home-page .faq-q:hover { background: rgba(201, 162, 75, 0.05); }
.home-page .faq-q:hover .faq-icon { border-color: var(--gold); color: var(--gold-2); }
/* Al abrir gira solo el signo, no la caja: un cuadro girado se ve como rombo */
.home-page .faq-item.open .faq-icon {
  background: var(--green-900); border-color: var(--green-900);
  color: var(--cream); transform: none;
}
.home-page .faq-icon svg { transition: transform 0.32s var(--ease-out); }
.home-page .faq-item.open .faq-icon svg { transform: rotate(45deg); }
.home-page .faq-q { font-weight: 600; }

/* ---------- 5 · Botones ---------- */
/* Oro con profundidad en todo el sitio (páginas de producto, guías, cotizador).
   Las reglas con más especificidad de cada página siguen mandando. */
.btn-gold {
  background: linear-gradient(180deg, #d3ad57, #c49a41);
  border-color: #b8903a;
  color: #14120c;
}
.btn-gold:hover { background: linear-gradient(180deg, #dbb662, #c9a24b); }
.btn-gold:active { background: #bd9440; }

/* Oro más rico y legible, con estados reales. Sigue siendo plano.
   Se excluye .header-start: en el encabezado el botón es verde a propósito. */
.home-page .btn-gold:not(.header-start) {
  background: linear-gradient(180deg, #d3ad57, #c49a41);
  border-color: #b8903a;
  color: #14120c;
  font-weight: 650;
  letter-spacing: 0.005em;
}
.home-page .btn-gold:not(.header-start):hover {
  background: linear-gradient(180deg, #dbb662, #c9a24b);
  transform: translateY(-1px);
}
.home-page .btn-gold:not(.header-start):active { transform: translateY(0); background: #bd9440; }

/* El botón del héroe conserva su medida propia, con el oro afinado */
.home-page .editorial-hero .btn-gold {
  background: linear-gradient(180deg, #d3ad57, #c49a41);
  border-color: #b8903a;
}
.home-page .editorial-hero .btn-gold:hover { background: linear-gradient(180deg, #dbb662, #c9a24b); }

/* El encabezado se mantiene verde y discreto */
.home-page .header-start,
.home-page .btn-gold.header-start {
  background: var(--green-950); color: var(--cream); border-color: var(--green-950);
}
.home-page .header-start:hover,
.home-page .btn-gold.header-start:hover { background: var(--green-800); transform: none; }

/* El CTA final merece un filo dorado completo, no solo superior */
.home-page .cta-band { border-top-width: 2px; }

/* ---------- 6 · Accesibilidad = confianza ---------- */
/* Anillo de foco visible y consistente en todo el sitio */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
  border-radius: 2px;
}
.on-dark a:focus-visible,
.on-dark button:focus-visible,
.site-footer a:focus-visible,
.cta-band a:focus-visible { outline-color: var(--gold); }

/* Objetivos táctiles cómodos en móvil */
@media (max-width: 720px) {
  .home-page .faq-q { min-height: 56px; }
  .home-page .guided-choices a { min-height: 64px; }
  .site-footer .footer-col a { display: inline-block; padding: 3px 0; }

  /* Corrección: `.home-page .footer-grid` (0,2,0) vencía a la regla móvil
     `.footer-grid` (0,1,0), dejando 3 columnas de ~75px en el pie. */
  .home-page .footer-grid { grid-template-columns: 1fr; gap: 30px; }

  /* La tarjeta de herramienta no necesita altura reservada en móvil */
  .home-page .home-tool-card { min-height: 0; }
  .home-page .home-tool-card > b { align-self: center; }
}
@media (min-width: 721px) and (max-width: 900px) {
  .home-page .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px; }
}

/* Enlaces dentro de texto corrido: subrayado elegante y legible */
.article-body a:not(.btn):not(.link-arrow),
.disclosure-item a,
.footer-legal a {
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
  text-decoration-color: rgba(201, 162, 75, 0.75);
}
.article-body a:not(.btn):not(.link-arrow):hover { text-decoration-color: var(--gold-2); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
  .home-page .btn-gold:hover { transform: none; }
}

/* ---------- 7 · Capa de confianza (Transparencia) ---------- */
.disclosure-section { background: var(--cream); border-top: 1px solid var(--hair); }
.disclosure-head {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(280px, 0.62fr);
  gap: 64px; align-items: end; margin-bottom: 46px;
}
.disclosure-head h2 { max-width: 22ch; }
.disclosure-head > div:last-child p { color: var(--ink-soft); line-height: 1.7; }

.disclosure-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--hair-strong);
}
.disclosure-item {
  display: block;                 /* no heredar flex de otros componentes */
  padding: 30px 26px 30px 0;
  border-right: 1px solid var(--hair);
}
.disclosure-item strong { color: var(--green-950); font-weight: 650; }
.disclosure-item:last-child { border-right: 0; padding-right: 0; }
.disclosure-item:not(:first-child) { padding-left: 26px; }
.disclosure-num {
  display: block; font-family: var(--font-editorial, var(--font-display));
  font-size: 0.9rem; color: var(--gold-2); margin-bottom: 16px;
  font-variant-numeric: tabular-nums;
}
.disclosure-item h3 {
  font-size: 1.02rem; line-height: 1.35; margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.disclosure-item p { font-size: 0.9rem; color: var(--ink-soft); line-height: 1.66; }
.disclosure-item p + p { margin-top: 10px; }

.disclosure-foot {
  margin-top: 34px; padding-top: 24px;
  border-top: 1px solid var(--hair);
  display: flex; flex-wrap: wrap; gap: 12px 30px; align-items: center;
}
.disclosure-foot p { font-size: 0.84rem; color: var(--ink-soft); margin: 0; }

/* Nota de confianza en la columna de la guía (antes espacio muerto) */
.guidance-note {
  margin-top: 34px; padding-top: 22px;
  border-top: 1px solid var(--hair);
  max-width: 34ch;
}
.guidance-note p { font-size: 0.88rem; color: var(--ink-soft); line-height: 1.65; margin-bottom: 10px; }

@media (max-width: 980px) {
  .disclosure-head { grid-template-columns: 1fr; gap: 26px; align-items: start; }
  .disclosure-grid { grid-template-columns: 1fr 1fr; }
  .disclosure-item:nth-child(2) { border-right: 0; padding-right: 0; }
  .disclosure-item:nth-child(3) { padding-left: 0; border-top: 1px solid var(--hair); }
  .disclosure-item:nth-child(4) { border-top: 1px solid var(--hair); }
}
@media (max-width: 620px) {
  .disclosure-grid { grid-template-columns: 1fr; }
  .disclosure-item,
  .disclosure-item:not(:first-child) {
    border-right: 0; padding: 26px 0; padding-left: 0;
    border-top: 1px solid var(--hair);
  }
  .disclosure-item:first-child { border-top: 0; }
  .guidance-note { max-width: none; }
}

/* ---------- 8 · Pie de página: jerarquía en la letra chica ---------- */
.footer-legal { display: grid; gap: 16px; }
.footer-disclosure {
  padding: 18px 20px;
  border: 1px solid rgba(250, 246, 238, 0.14);
  border-left: 2px solid var(--gold);
}
.footer-disclosure strong {
  display: block; color: var(--cream); font-size: 0.8rem;
  letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 8px;
}
.footer-meta { display: flex; flex-wrap: wrap; gap: 8px 20px; align-items: center; }
.footer-meta a { text-decoration: none; border-bottom: 1px solid rgba(250, 246, 238, 0.3); }
.footer-meta a:hover { border-bottom-color: var(--gold); color: var(--cream); }

/* ---------- 9 · Confianza en el punto de captura (cotizador) ---------- */
.funnel-assurance {
  margin-top: 20px; padding-top: 18px;
  border-top: 1px solid rgba(250, 246, 238, 0.14);
  display: grid; gap: 7px;
}
.funnel-assurance p {
  margin: 0; font-size: 0.82rem; line-height: 1.6;
  color: rgba(250, 246, 238, 0.62);
}
.funnel-assurance strong { color: rgba(250, 246, 238, 0.9); font-weight: 650; }
.funnel-assurance a {
  color: var(--gold); text-decoration: none;
  border-bottom: 1px solid rgba(201, 162, 75, 0.45); padding-bottom: 1px;
}
.funnel-assurance a:hover { border-bottom-color: var(--gold); }

.funnel-legal {
  position: relative; z-index: 1;
  padding: 40px 0 46px;
  border-top: 1px solid rgba(250, 246, 238, 0.12);
}
.funnel-legal p {
  max-width: 76ch; margin: 0 auto;
  font-size: 0.78rem; line-height: 1.7; text-align: center;
  color: rgba(250, 246, 238, 0.44);
}
.funnel-legal-links {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 8px 22px; margin-top: 18px !important;
  font-size: 0.8rem;
}
.funnel-legal-links a {
  color: rgba(250, 246, 238, 0.72); text-decoration: none;
  border-bottom: 1px solid rgba(250, 246, 238, 0.26); padding-bottom: 1px;
}
.funnel-legal-links a:hover { color: var(--cream); border-bottom-color: var(--gold); }
.funnel-legal-links a:focus-visible { outline-color: var(--gold); }

/* ---------- 10 · Página de aviso/política ---------- */
/* El ritmo de secciones ya lo define .editorial-policy (línea ~772):
   cada section lleva border-bottom. No añadir border-top aquí: se veían
   dos reglas juntas. Solo se afina el encabezado interno. */
.editorial-policy .article-body > section > h2:first-child { margin-top: 0; }