/* ==========================================================================
   Secciones · cada una con composición propia dentro del sistema de marca
   ========================================================================== */

/* ---------- 00 · Hero: amanecer en el Monte Titlis (sol · montaña · nube) ---------- */
.hero{height:460vh;background:var(--deep)}
.stage{position:sticky;top:0;height:100vh;height:100svh;overflow:hidden;background:var(--deep);contain:paint}
.pan{position:absolute;left:0;top:0;transform-origin:50% 0;will-change:transform}
.pan img{width:100%;height:100%;object-fit:cover}
.sun{position:absolute;left:83%;top:17.5%;width:46%;aspect-ratio:1;transform:translate(-50%,-50%);border-radius:50%;background:radial-gradient(circle,rgba(255,236,190,.55) 0%,rgba(231,201,137,.28) 22%,rgba(176,141,87,.08) 48%,rgba(176,141,87,0) 68%);pointer-events:none;opacity:var(--sun,.6);will-change:opacity}
.sun::after{content:"";position:absolute;inset:18%;border-radius:50%;background:radial-gradient(circle,rgba(255,240,205,.35),rgba(255,240,205,0) 65%);animation:breathe 7s ease-in-out -2s infinite}
@keyframes breathe{0%,100%{transform:scale(.9);opacity:.6}50%{transform:scale(1.08);opacity:1}}
.veil{position:absolute;inset:0;pointer-events:none;background:linear-gradient(90deg,rgba(13,39,64,.9) 0%,rgba(13,39,64,.66) 34%,rgba(13,39,64,.22) 66%,rgba(13,39,64,.12) 100%),linear-gradient(180deg,rgba(13,39,64,.55) 0%,rgba(13,39,64,0) 22%,rgba(13,39,64,0) 70%,rgba(13,39,64,.5) 100%)}
/* grano retirado por rendimiento */
.grain{display:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");animation:grain 1.2s steps(4) infinite}
@keyframes grain{0%{transform:translate(0,0)}25%{transform:translate(-3%,2%)}50%{transform:translate(2%,-3%)}75%{transform:translate(-1%,3%)}100%{transform:translate(0,0)}}
.horizon{position:absolute;left:var(--gut);right:var(--gut);top:calc(var(--nav) + 4vh);height:1px;background:linear-gradient(90deg,var(--gold-lt),rgba(231,201,137,0));transform-origin:left;transform:scaleX(var(--hz,0));opacity:.55}
.copy{position:absolute;left:max(var(--gut),calc((100vw - 1440px)/2 + var(--gut)));top:50%;width:min(700px,calc(100vw - 2*var(--gut)));transform:translateY(-46%)}
.band{position:absolute;left:0;right:0;top:0;transform:translateY(-50%);color:#fff;text-shadow:var(--tshadow);opacity:0;visibility:hidden;isolation:isolate}
.band.on{visibility:visible}
.band::before{content:"";position:absolute;inset:-30% -18% -30% -30%;z-index:-1;pointer-events:none;opacity:calc(.25 + .75*var(--k,1));background:radial-gradient(ellipse 70% 60% at 38% 50%,rgba(8,24,40,.62) 0%,rgba(8,24,40,.4) 46%,rgba(8,24,40,0) 76%)}
.band .lab{display:inline-flex;align-items:center;gap:12px;color:var(--gold-lt);margin-bottom:22px}
.band .lab svg{width:22px;height:22px}
.band h1,.band h2{color:#fff}
.band h1{font-size:clamp(2.7rem,6.3vw,5.8rem);line-height:.94}
.band h2{font-size:clamp(2.2rem,4.6vw,4.2rem)}
.band .tag{display:block;font:400 italic clamp(1.7rem,3.3vw,2.9rem)/1.1 var(--serif);color:var(--gold-lt);margin-top:14px}
.band p{font-size:clamp(1.02rem,1.35vw,1.2rem);color:var(--on-navy-2);max-width:44ch;margin:22px 0 0;opacity:var(--ks,1);transform:translateY(calc((1 - var(--ks,1))*14px))}
.band .row{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px;opacity:var(--kb,1);transform:translateY(calc((1 - var(--kb,1))*14px))}
.band{--ks:clamp(0,(var(--k,0) - .55)*3.2,1);--kb:clamp(0,(var(--k,0) - .7)*4,1)}
.w{display:inline-block;white-space:pre}
.fx-rise .w{--kc:clamp(0,(var(--k,0) - var(--th,0))*2.6,1);opacity:var(--kc);transform:translateY(calc((1 - var(--kc))*34px))}
.fx-glow .w{--kc:clamp(0,(var(--k,0) - var(--th,0))*2.4,1);opacity:var(--kc);transform:scale(calc(.86 + .14*var(--kc)));transform-origin:0 70%}
.fx-drift .w{--kc:clamp(0,(var(--k,0) - var(--th,0))*2.8,1);opacity:var(--kc);transform:translateY(calc((1 - var(--kc))*-30px))}
.fx-gather .w{--kc:clamp(0,(var(--k,0) - var(--th,0))*2.6,1);opacity:var(--kc);transform:translateX(calc((1 - var(--kc))*var(--jx,0px)))}
.hud{position:absolute;right:var(--gut);top:50%;transform:translateY(-50%);display:flex;flex-direction:column;gap:22px;list-style:none;margin:0;padding:0}
.hud li{display:flex;align-items:center;justify-content:flex-end;gap:14px;color:rgba(228,222,207,.5);transition:color .6s var(--ease)}
.hud li span{transition:opacity .6s var(--ease),transform .6s var(--ease);opacity:0;transform:translateX(8px)}
.hud li i{width:42px;height:42px;border-radius:50%;border:1px solid rgba(228,222,207,.25);display:grid;place-items:center;transition:border-color .6s var(--ease),background-color .6s var(--ease)}
.hud li svg{width:20px;height:20px}
.hud li.act{color:var(--gold-lt)}
.hud li.act span{opacity:1;transform:none}
.hud li.act i{border-color:var(--gold-lt);background:rgba(13,39,64,.55)}
.cue{position:absolute;left:50%;bottom:28px;transform:translateX(-50%);display:flex;flex-direction:column;align-items:center;gap:10px;color:var(--on-navy-2);opacity:var(--cue,1)}
.cue i{width:1px;height:46px;background:linear-gradient(var(--gold-lt),rgba(231,201,137,0));transform-origin:top;animation:cue 2.4s var(--ease-io) -.4s infinite}
@keyframes cue{0%{transform:scaleY(0)}50%{transform:scaleY(1)}100%{transform:scaleY(1);opacity:0}}
.clouds{position:absolute;left:0;right:0;bottom:-2px;height:30vh;pointer-events:none}
.clouds svg{position:absolute;bottom:0;height:100%;width:68%;fill:var(--stone)}
.clouds .cl{left:-4%;transform:translate3d(calc((1 - var(--c,0))*-110%),calc((1 - var(--c,0))*100%),0)}
.clouds .cr{right:-4%;transform:translate3d(calc((1 - var(--c,0))*110%),calc((1 - var(--c,0))*100%),0)}
.clouds .cm{left:22%;width:56%;height:78%;transform:translate3d(0,calc((1 - var(--c,0))*110%),0)}
.clouds .base{position:absolute;left:0;right:0;bottom:0;height:9vh;background:var(--stone);transform:translateY(calc((1 - var(--c,0))*100%))}
.stage-logo{position:absolute;right:var(--gut);bottom:calc(30vh + 28px);width:clamp(120px,12vw,180px);opacity:calc(var(--c,0) * .95);transform:translateY(calc((1 - var(--c,0))*20px))}
@media (max-height:560px){.hud,.cue{display:none}}
@media (max-width:820px){
  .hud,.stage-logo{display:none}
  .hero{height:400vh}
  .veil{background:linear-gradient(180deg,rgba(13,39,64,.7) 0%,rgba(13,39,64,.5) 30%,rgba(13,39,64,.72) 62%,rgba(13,39,64,.86) 100%)}
  .copy{top:52%}
  .clouds{height:20vh}
  .clouds svg{width:90%}.clouds .cm{left:5%;width:90%}
}
.rm .hero{height:auto}
.rm .stage{position:relative;height:auto;min-height:100svh;padding:140px 0 34vh}
.rm .pan{transform:translate3d(0,var(--rmy,0px),0)!important}
.rm .copy{position:relative;top:auto;transform:none;left:auto;margin:0 var(--gut);display:flex;flex-direction:column;gap:64px}
.rm .band{position:relative;transform:none;opacity:1!important;visibility:visible;--k:1!important}
.rm .band .w{opacity:1!important;transform:none!important}
.rm .clouds,.rm .stage{--c:1!important}
.rm .hud,.rm .cue,.rm .grain{display:none}

/* ---------- 01 · Manifiesto: palabras que se encienden con el scroll ---------- */
.mf{background:var(--stone);padding:clamp(96px,12vw,180px) 0 var(--sec)}
.mf__text{font:800 clamp(2.1rem,1rem + 4.4vw,5.4rem)/1.04 var(--display);letter-spacing:-.02em;color:var(--navy);margin:28px 0 0;max-width:20ch}
.mf__text .it{font-weight:400;color:var(--gold-ink)}
.js .mf__text .mw{opacity:.14;transition:opacity .45s var(--ease)}
.js .mf__text .mw.lit{opacity:1}
.stats{display:grid;grid-template-columns:repeat(3,1fr);margin-top:clamp(64px,9vw,128px);border-top:1px solid var(--line)}
.stat{padding:34px clamp(16px,3vw,40px) 0 0;border-right:1px solid var(--line)}
.stat + .stat{padding-left:clamp(16px,3vw,40px)}
.stat:last-child{border-right:0}
.stat .num{display:flex;align-items:baseline;font:800 clamp(4.4rem,11vw,9.6rem)/.8 var(--display);color:var(--navy);letter-spacing:-.03em}
.stat .num sup{font-size:.42em;color:var(--gold);margin-left:4px;transform:translateY(-.15em)}
.stat h3{margin-top:22px;font-size:clamp(1.15rem,1.6vw,1.4rem)}
.stat p{margin:8px 0 0;color:var(--muted);font-size:15.5px;max-width:30ch}
@media (max-width:640px){.stats{grid-template-columns:1fr}.stat,.stat + .stat{padding:28px 0;border-right:0;border-bottom:1px solid var(--line)}.stat{display:grid;grid-template-columns:auto 1fr;column-gap:22px;align-items:center}.stat .num{grid-row:span 2;font-size:4.6rem}.stat h3{margin-top:0}}

/* ---------- 02 · Seguros: tarjetas que se apilan ---------- */
.seguros{background:var(--paper)}
.seg-head{display:flex;justify-content:space-between;align-items:end;gap:40px;flex-wrap:wrap;margin-bottom:clamp(48px,6vw,88px)}
.seg-head .lede{margin:0}
.stack{list-style:none;margin:0;padding:0}
.scard{position:sticky;top:calc(var(--nav) + 20px + var(--i,0)*14px);height:min(640px,calc(100svh - var(--nav) - 56px));margin-bottom:9vh;border-radius:var(--r-big);overflow:hidden;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.08fr);background:var(--deep);color:#fff;transform-origin:50% 0;transform:scale(var(--s,1));box-shadow:0 -20px 50px -30px rgba(13,39,64,.5)}
.scard:last-child{margin-bottom:0}
.scard__shade{position:absolute;inset:0;background:var(--ink);opacity:0;pointer-events:none;z-index:2}
.scard:nth-child(even){background:var(--navy)}
.scard__body{padding:clamp(28px,3.4vw,56px);display:flex;flex-direction:column;min-height:0}
.scard__top{display:flex;align-items:center;justify-content:space-between;color:var(--gold-lt)}
.scard__top svg{width:30px;height:30px}
.scard h3{color:#fff;font-size:clamp(2rem,1.2rem + 2.4vw,3.4rem);margin-top:clamp(20px,3vh,40px)}
.scard .sense{display:block;font:400 italic clamp(1.3rem,1rem + .9vw,1.8rem)/1.1 var(--serif);color:var(--gold-lt);margin-top:8px}
.scard .intro{color:var(--on-navy);font-size:15.5px;margin:16px 0 0;max-width:46ch}
.scard ul{list-style:none;margin:20px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px 22px}
.scard li{display:grid;grid-template-columns:16px 1fr;gap:10px;font-size:14.5px;color:var(--on-navy-2);line-height:1.4}
.scard li::before{content:"";width:10px;height:1px;background:var(--gold-lt);margin-top:.7em}
.scard__foot{margin-top:auto;padding-top:22px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px}
.scard .note{font-size:12.5px;color:rgba(199,205,212,.8);max-width:34ch;margin:0}
.scard__media{position:relative;margin:0;overflow:hidden}
.scard__media picture{display:block;height:100%}
.scard__media img{width:100%;height:100%;object-fit:cover;transform:scale(1.12);will-change:transform}
.scard__media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,39,64,.35),rgba(13,39,64,0) 40%)}
.scard__num{position:absolute;right:22px;top:18px;z-index:1;font:800 clamp(4rem,7vw,7rem)/1 var(--display);color:rgba(255,255,255,.88);text-shadow:0 10px 40px rgba(0,0,0,.35)}
@media (max-width:900px){
  .scard{position:relative;top:auto;height:auto;grid-template-columns:1fr;margin-bottom:22px;transform:none}
  .scard__media{order:-1;aspect-ratio:4/3}
  .scard ul{grid-template-columns:1fr}
}

/* ---------- 03 · Más protección: galería horizontal fijada ---------- */
.hs{background:var(--deep);color:#fff}
.hs__pin{position:sticky;top:0;height:100vh;height:100svh;overflow:hidden;display:flex;flex-direction:column;justify-content:center;gap:clamp(28px,4vh,48px)}
.hs__bg{position:absolute;inset:0;background:url(../assets/img/montana-blur.webp) center 70%/cover;opacity:.2}
.hs__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,var(--deep),rgba(13,39,64,.6) 50%,var(--deep))}
.hs__head{position:relative;display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap}
.hs__head h2{font-size:clamp(2.1rem,1.2rem + 3vw,4.2rem)}
.hs__count{font:400 italic 1.4rem/1 var(--serif);color:var(--gold-lt)}
.hs__track{position:relative;display:flex;gap:clamp(14px,1.6vw,24px);padding:0 var(--gut);width:max-content;will-change:transform}
.hcard{position:relative;flex:none;width:clamp(260px,24vw,360px);height:clamp(360px,52vh,520px);border-radius:var(--r-card);overflow:hidden;background:var(--navy);display:flex;flex-direction:column;justify-content:flex-end;padding:24px;isolation:isolate}
.hcard--photo picture,.hcard--photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform .9s var(--ease)}
.hcard--photo::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(10,31,51,0) 35%,rgba(10,31,51,.92))}
.hcard--photo:hover img{transform:scale(1.05)}
.hcard--stone{background:var(--stone);color:var(--text)}
.hcard.hcard--stone h3{color:var(--navy)}
.hcard--stone p{color:var(--muted)!important}
.hcard--stone .hcard__n{color:var(--gold-ink)!important}
.hcard--line{background:transparent;border:1px solid var(--line-dk)}
.hcard__icon{position:absolute;top:24px;left:24px;width:44px;height:44px;color:var(--gold-lt)}
.hcard--stone .hcard__icon{color:var(--navy)}
.hcard__n{font:600 12px/1 var(--body);letter-spacing:.18em;color:var(--gold-lt)}
.hcard h3{font-size:clamp(1.5rem,1.2rem + .8vw,2rem);color:#fff;margin-top:10px}
.hcard p{font-size:14.5px;color:var(--on-navy);margin:10px 0 0;line-height:1.45}
.hcard--end{background:var(--gold);color:var(--deep);justify-content:space-between}
.hcard.hcard--end h3{color:var(--deep)}
.hcard.hcard--end .hcard__n{color:var(--deep)}
.hcard--end p{color:var(--deep)!important;opacity:.85}
.hs__note{position:relative;font-size:13px;color:rgba(199,205,212,.75)}
.hs__bar{position:relative;height:1px;background:var(--line-dk);margin:0 var(--gut)}
.hs__bar i{position:absolute;inset:0;background:var(--gold-lt);transform-origin:left;transform:scaleX(var(--hp,0))}
.hs.static{height:auto!important}
.hs.static .hs__pin{position:relative;height:auto;padding:var(--sec) 0}
.hs.static .hs__track{transform:none;width:auto;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:8px}
.hs.static .hs__track::-webkit-scrollbar{display:none}
.hs.static .hcard{scroll-snap-align:start}
.hs.static .hs__bar{display:none}
@media (max-width:820px){.hcard{width:78vw;height:440px}}

/* ---------- 04 · Cómo trabajo ---------- */
.proceso{background:var(--stone);overflow:hidden}
.clip{margin:clamp(48px,6vw,80px) 0 0;border-radius:var(--r-big);overflow:hidden;aspect-ratio:21/8.5;clip-path:inset(0 var(--ci,10%) round var(--r-big));transition:clip-path .1s linear}
.clip picture{display:block;height:100%}
.clip img{width:100%;height:100%;object-fit:cover;object-position:center 40%;transform:scale(calc(1 + var(--cs,.1)))}
.ridge{position:relative;margin-top:clamp(56px,7vw,96px)}
.ridge svg.path{position:absolute;left:0;top:0;width:100%;height:150px;overflow:visible}
.ridge svg.path path{fill:none;stroke:var(--gold);stroke-width:1.6;stroke-linecap:round;stroke-dasharray:1;stroke-dashoffset:var(--draw,1)}
.ridge svg.path path.ghost{stroke:var(--line);stroke-dashoffset:0}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(16px,2.4vw,32px);list-style:none;margin:0;padding:0;position:relative}
.step .pk{height:150px;position:relative}
.step .dot{position:absolute;left:0;width:46px;height:46px;border-radius:50%;background:var(--paper);border:1.5px solid var(--gold);display:grid;place-items:center;font:700 15px/1 var(--display);color:var(--navy);transform:translateY(-50%) scale(var(--sc,.6));opacity:var(--op,.4);transition:transform .7s var(--ease),opacity .7s var(--ease),background-color .7s}
.step.lit .dot{--sc:1;--op:1;background:var(--navy);color:var(--gold-lt);border-color:var(--navy)}
.step:nth-child(1) .dot{top:118px}.step:nth-child(2) .dot{top:58px}.step:nth-child(3) .dot{top:18px}.step:nth-child(4) .dot{top:76px}
.step h3{font-size:clamp(1.35rem,2vw,1.7rem)}
.step p{margin:12px 0 0;color:var(--muted);font-size:15.5px}
.step .it{display:block;font-size:1.25rem;margin-top:14px}
@media (max-width:860px){
  .clip{aspect-ratio:4/3}
  .ridge svg.path{display:none}
  .steps{grid-template-columns:1fr;gap:0;border-left:1px solid var(--line);margin-left:22px}
  .step{padding:0 0 40px 40px;position:relative}
  .step .pk{height:0}
  .step .dot{left:-63px;top:14px!important}
}

/* ---------- 05 · Guía rápida ---------- */
.guia{background:var(--deep);color:#fff;overflow:hidden}
.guia .bg{position:absolute;inset:0;background:url(../assets/img/hd/montana-1900.webp) center 70%/cover;opacity:.22;filter:blur(3px);transform:scale(1.08)}
.guia .bg::after{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 20% 30%,rgba(13,39,64,.2),rgba(13,39,64,.95) 70%)}
.guia .wrap{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(36px,6vw,96px);align-items:start}
.quiz{background:rgba(10,31,51,.9);border:1px solid var(--line-dk);border-radius:20px;padding:clamp(24px,3.4vw,44px);min-height:480px;display:flex;flex-direction:column}
.qbar{display:flex;gap:6px;margin-bottom:30px}
.qbar i{flex:1;height:3px;border-radius:3px;background:rgba(228,222,207,.18);position:relative;overflow:hidden}
.qbar i::after{content:"";position:absolute;inset:0;background:var(--gold-lt);transform:scaleX(0);transform-origin:left;transition:transform .7s var(--ease)}
.qbar i.f::after{transform:scaleX(1)}
.qstep{display:none}
.qstep.cur{display:block;animation:fadeUp .6s var(--ease) both}
@keyframes fadeUp{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.qstep legend{padding:0;font:700 clamp(1.5rem,2.4vw,2rem)/1.1 var(--display);color:#fff;margin-bottom:22px}
.qstep fieldset{border:0;margin:0;padding:0;min-width:0}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opt{display:flex;align-items:center;gap:12px;text-align:left;padding:15px 16px;border-radius:12px;border:1px solid rgba(228,222,207,.2);background:rgba(255,255,255,.03);color:var(--on-navy-2);cursor:pointer;font-size:15px;line-height:1.3;min-height:56px;transition:border-color .35s var(--ease),background-color .35s var(--ease),transform .35s var(--ease),color .35s}
.opt svg{width:22px;height:22px;flex:none;color:var(--gold-lt)}
.opt:hover{border-color:var(--gold-lt);transform:translateY(-2px);color:#fff}
.opt[aria-pressed="true"]{background:rgba(231,201,137,.14);border-color:var(--gold-lt);color:#fff}
.qnav{margin-top:auto;padding-top:26px;display:flex;justify-content:space-between;align-items:center}
.qback{background:none;border:0;color:var(--on-navy);cursor:pointer;font-size:14px;padding:10px 0;visibility:hidden}
.qback.v{visibility:visible}
.qback:hover{color:var(--gold-lt)}
.result h3{font-size:clamp(1.8rem,3vw,2.5rem);color:#fff}
.result .it{display:block;font-size:1.5rem;margin-top:6px}
.result p{color:var(--on-navy);margin:16px 0 0;font-size:15.5px}
.result .need{margin:22px 0 0;padding:18px 20px;border-radius:12px;background:rgba(255,255,255,.04);border:1px solid var(--line-dk)}
.result .need b{display:block;color:var(--gold-lt);margin-bottom:8px}
.result .need ul{margin:0;padding-left:18px;color:var(--on-navy-2);font-size:14.5px}
.result .row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
@media (max-width:980px){.guia .wrap{grid-template-columns:1fr}}
@media (max-width:520px){.opts{grid-template-columns:1fr}}

/* ---------- 06 · Cuando algo pasa ---------- */
.siniestro{background:var(--paper)}
.sin{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,6vw,96px);align-items:center}
.sin figure{margin:0;position:relative;border-radius:var(--r-big) var(--r-big) var(--r-big) 220px;overflow:hidden;aspect-ratio:4/5}
.sin figure img{width:100%;height:100%;object-fit:cover;transform:translateY(var(--py,0));scale:1.12}
.sin .stamp{position:absolute;left:20px;bottom:20px;right:20px;background:rgba(13,39,64,.94);border-radius:12px;padding:18px 20px;color:#fff;display:flex;gap:14px;align-items:center}
.sin .stamp svg{width:28px;height:28px;color:var(--gold-lt);flex:none}
.sin .stamp p{margin:0;font-size:14.5px;line-height:1.4;color:var(--on-navy-2)}
.sin .stamp b{color:#fff}
.sin figure .stamp{left:120px}
.check{list-style:none;margin:36px 0 0;padding:0;counter-reset:c}
.check li{display:grid;grid-template-columns:56px 1fr;gap:6px;padding:20px 0;border-top:1px solid var(--line)}
.check li:last-child{border-bottom:1px solid var(--line)}
.check li::before{counter-increment:c;content:"0" counter(c);font:800 1.6rem/1 var(--display);color:var(--gold)}
.check b{display:block;font:700 1.15rem/1.25 var(--display);color:var(--navy)}
.check span{display:block;color:var(--muted);font-size:15px;margin-top:4px}
@media (max-width:860px){.sin{grid-template-columns:1fr}.sin figure{aspect-ratio:4/3.6;border-radius:var(--r-big)}.sin figure .stamp{left:20px}}

/* ---------- 07 · Glosario ---------- */
.glosario{background:var(--navy);color:#fff}
.glo{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(32px,6vw,96px)}
.glo .stick{position:sticky;top:120px;align-self:start}
.terms{margin:0}
.term{display:grid;grid-template-columns:minmax(150px,.7fr) 1.3fr;gap:24px;padding:26px 0;border-top:1px solid var(--line-dk);transition:background-color .4s var(--ease)}
.term:last-child{border-bottom:1px solid var(--line-dk)}
.term:hover{background:rgba(255,255,255,.03)}
.term dt{font:700 clamp(1.4rem,2.2vw,1.8rem)/1.1 var(--display);color:#fff}
.term dt small{display:block;font:400 italic 1.05rem/1.2 var(--serif);color:var(--gold-lt);margin-top:6px}
.term dd{margin:0;color:var(--on-navy);font-size:16px}
.term dd b{color:var(--on-navy-2);font-weight:600}
@media (max-width:860px){.glo{grid-template-columns:1fr}.glo .stick{position:static}.term{grid-template-columns:1fr;gap:8px}}

/* ---------- 08 · Aseguradoras ---------- */
.aseg{background:var(--stone);padding:clamp(80px,9vw,128px) 0;overflow:hidden}
.aseg__head{display:flex;justify-content:space-between;align-items:end;gap:32px;flex-wrap:wrap;margin-bottom:clamp(36px,5vw,64px)}
.aseg__head h2{font-size:clamp(2rem,1.2rem + 2.8vw,3.8rem);max-width:16ch}
.aseg__head p{max-width:40ch;color:var(--muted);margin:0}
.marq{overflow:hidden;border-top:1px solid var(--line);padding:22px 0;-webkit-mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marq:last-of-type{border-bottom:1px solid var(--line)}
.marq .track{animation-duration:55s}
.marq.rev .track{animation-direction:reverse;animation-duration:65s}
.marq li{display:flex;align-items:center;gap:36px;padding-right:36px;font:700 clamp(1.6rem,1rem + 2vw,2.8rem)/1 var(--display);color:var(--navy);white-space:nowrap}
.marq.rev li{font:400 italic clamp(1.6rem,1rem + 2vw,2.8rem)/1 var(--serif);color:var(--gold-ink)}
.marq li::after{content:"";width:9px;height:9px;border-radius:50%;background:var(--gold);flex:none}
.aseg .note{margin-top:22px;font-size:13px;color:var(--muted)}

/* ---------- 09 · Quién soy (fondo Monte Titlis) ---------- */
.quien{background:var(--deep);color:#fff;overflow:hidden}
.quien .bg{position:absolute;inset:-10% 0;background:url(../assets/img/hd/montana-1900.webp) center 30%/cover;opacity:.32;transform:translateY(var(--py,0))}
.quien .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,39,64,.98) 30%,rgba(13,39,64,.7) 70%,rgba(13,39,64,.55))}
.quien .wrap{position:relative;display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(40px,6vw,100px);align-items:center}
.quien blockquote{margin:0;font:400 italic clamp(2rem,3.6vw,3.2rem)/1.12 var(--serif);color:#fff;max-width:22ch}
.quien blockquote span{color:var(--gold-lt)}
.quien .sig{margin-top:30px;display:flex;align-items:center;gap:16px}
.quien .sig i{width:48px;height:1px;background:var(--gold-lt)}
.quien .sig b{font:700 1.25rem/1.1 var(--display)}
.quien .sig small{display:block;font:500 13px/1.3 var(--body);color:var(--on-navy);margin-top:4px}
.quien .bio{color:var(--on-navy);margin:30px 0 0;max-width:58ch}
.vals{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.val{border:1px solid var(--line-dk);border-radius:var(--r-card);padding:22px;background:rgba(10,31,51,.78);transition:transform .4s var(--ease),border-color .4s}
.val:hover{transform:translateY(-4px);border-color:rgba(231,201,137,.45)}
.val svg{width:26px;height:26px;color:var(--gold-lt)}
.val b{display:block;font:700 1.2rem/1.1 var(--display);margin-top:16px}
.val p{margin:6px 0 0;font-size:14px;color:var(--on-navy);line-height:1.45}
.iso-mark{width:120px;margin-bottom:34px}
@media (max-width:900px){.quien .wrap{grid-template-columns:1fr}}
@media (max-width:420px){.vals{grid-template-columns:1fr}}

/* ---------- 10 · Preguntas ---------- */
.faq{background:var(--paper)}
.faq .wrap{display:grid;grid-template-columns:.75fr 1.25fr;gap:clamp(32px,6vw,96px)}
.faq .stick{position:sticky;top:120px;align-self:start}
.qa{border-top:1px solid var(--line)}
.qa details{border-bottom:1px solid var(--line)}
.qa summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:1fr 34px;gap:20px;align-items:center;padding:24px 0;font:700 clamp(1.08rem,1.5vw,1.28rem)/1.25 var(--display);color:var(--navy);transition:color .3s}
.qa summary:hover{color:var(--deep)}
.qa summary::-webkit-details-marker{display:none}
.qa summary i{width:34px;height:34px;border-radius:50%;border:1px solid var(--line);position:relative;transition:transform .5s var(--ease),background-color .4s,border-color .4s}
.qa summary i::before,.qa summary i::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:1.5px;background:var(--navy);transform:translate(-50%,-50%)}
.qa summary i::after{transform:translate(-50%,-50%) rotate(90deg);transition:opacity .3s}
.qa summary:hover i{border-color:var(--gold)}
.qa details[open] summary i{transform:rotate(180deg);background:var(--gold);border-color:var(--gold)}
.qa details[open] summary i::after{opacity:0}
.qa .ans{padding:0 54px 26px 0;color:var(--muted);font-size:16px}
.qa .ans p{margin:0}
.qa .ans p + p{margin-top:10px}
.qa details[open] .ans{animation:fadeUp .5s var(--ease) both}
@media (max-width:900px){.faq .wrap{grid-template-columns:1fr}.faq .stick{position:static}.qa .ans{padding-right:0}}

/* ---------- 11 · Contacto: dos asesoras + mapa + cita ---------- */
.contacto{background:var(--stone)}
.ct-head{display:flex;justify-content:space-between;align-items:end;gap:32px;flex-wrap:wrap;margin-bottom:clamp(40px,5vw,72px)}
.ct-head .lede{margin:0;max-width:44ch}
.ct-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(16px,2vw,28px);align-items:stretch}
.people{display:grid;gap:clamp(16px,2vw,28px)}
.person{position:relative;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-big);padding:clamp(22px,2.6vw,34px);transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s}
.person:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.person--main{background:var(--deep);border-color:var(--deep);color:#fff}
.mono{width:72px;height:84px;border-radius:999px 999px 14px 14px;display:grid;place-items:center;background:var(--navy);color:var(--gold-lt);font:800 1.5rem/1 var(--display);letter-spacing:.02em;box-shadow:inset 0 0 0 1.5px var(--gold)}
.person--main .mono{background:transparent}
.person h3{font-size:clamp(1.45rem,1.1rem + 1vw,1.9rem)}
.person--main h3{color:#fff}
.person .role{display:block;margin-top:8px;color:var(--gold-ink)}
.person--main .role{color:var(--gold-lt)}
.person .tel{display:inline-block;margin-top:14px;font:700 clamp(1.4rem,1.1rem + 1vw,1.9rem)/1 var(--display);color:var(--navy);text-decoration:none;letter-spacing:.01em}
.person--main .tel{color:#fff}
.person .tel:hover{color:var(--gold)}
.person .acts{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.person .acts .btn{min-height:46px;padding:0 18px;font-size:14.5px}
.person--main .btn-line{border-color:rgba(255,255,255,.4);color:#fff}
.person--main .btn-line:hover{background:#fff;color:var(--deep);border-color:#fff}
.map{position:relative;border-radius:var(--r-big);overflow:hidden;min-height:440px;background:var(--stone-2)}
.map iframe{position:absolute;inset:0;width:100%;height:100%;border:0;filter:saturate(.55) contrast(1.02)}
.map__card{position:absolute;left:18px;right:18px;bottom:18px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;background:rgba(13,39,64,.96);color:#fff;border-radius:var(--r-card);padding:18px 20px;box-shadow:var(--shadow)}
.map__card b{display:block;font:700 1.1rem/1.2 var(--display)}
.map__card span{font-size:14px;color:var(--on-navy)}
.map__card .btn{min-height:46px;padding:0 18px;font-size:14.5px}
.cita{margin-top:clamp(16px,2vw,28px);display:grid;grid-template-columns:.8fr 1.2fr;border-radius:var(--r-big);overflow:hidden;background:var(--paper);border:1px solid var(--line)}
.cita-side{position:relative;background:var(--deep);color:#fff;padding:clamp(28px,3.4vw,48px);overflow:hidden}
.cita-side img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.4}
.cita-side::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(13,39,64,.4),rgba(13,39,64,.94) 75%)}
.cita-side>*:not(img):not(picture){position:relative;z-index:1}
.cita-side picture{position:absolute;inset:0}
.cita-side h3{color:#fff;font-size:clamp(1.9rem,1.2rem + 2vw,2.8rem)}
.cita-side p{color:var(--on-navy);margin:14px 0 0}
.cita form{padding:clamp(24px,3.4vw,48px);display:grid;grid-template-columns:1fr 1fr;gap:18px 16px;align-content:start}
.fld{display:flex;flex-direction:column;gap:8px;grid-column:span 2}
.fld.half{grid-column:span 1}
.fld label,.fld legend{font:600 12px/1.2 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--navy);padding:0}
.fld input,.fld select,.fld textarea{font:400 16px/1.4 var(--body);color:var(--text);background:#fff;border:1.5px solid #CFC8B8;border-radius:12px;padding:14px 16px;min-height:52px;transition:border-color .3s var(--ease),box-shadow .3s var(--ease);width:100%}
.fld textarea{min-height:100px;resize:vertical}
.fld select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23143859' stroke-width='1.8' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:18px;padding-right:44px}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(20,56,89,.12)}
.fld fieldset{border:0;margin:0;padding:0;min-width:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.chips label{cursor:pointer;position:relative}
.chips input{position:absolute;opacity:0;width:1px;height:1px}
.chips span{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border-radius:var(--r-pill);border:1.5px solid #CFC8B8;font:500 14.5px/1 var(--body);color:var(--text);letter-spacing:0;text-transform:none;transition:background-color .3s,border-color .3s,color .3s}
.chips label:hover span{border-color:var(--navy)}
.chips input:checked + span{background:var(--navy);border-color:var(--navy);color:#fff}
.chips input:focus-visible + span{outline:2px solid var(--gold);outline-offset:2px}
.err{color:#9B2C2C;font-size:13.5px;min-height:1em;grid-column:span 2;margin:0}
.form-foot{grid-column:span 2;display:flex;flex-wrap:wrap;align-items:center;gap:16px}
.form-foot small{color:var(--muted);font-size:13px;max-width:36ch}
.sent{grid-column:span 2;display:none;padding:18px 20px;border-radius:12px;background:#EEF3EC;border:1px solid #CFE0CB;color:#24452A;font-size:15px}
.sent.v{display:block;animation:fadeUp .5s var(--ease) both}
@media (max-width:980px){.ct-grid{grid-template-columns:1fr}.cita{grid-template-columns:1fr}}
@media (max-width:560px){.person{grid-template-columns:1fr}.mono{width:60px;height:70px;font-size:1.25rem}.cita form{grid-template-columns:1fr}.fld,.fld.half,.err,.form-foot,.sent{grid-column:span 1}.map{min-height:380px}.map__card .btn{width:100%}}

/* ---------- Resaltados dentro del texto (referencia Creatorspace) ---------- */
.hl{display:inline-block;padding:0 .22em .04em;border-radius:.24em;line-height:1.05;color:inherit;transform:rotate(var(--rot,-1deg));transition:transform .5s var(--ease)}
.hl--gold{background:var(--gold);color:var(--deep);--rot:-1.5deg}
.hl--navy{background:var(--navy);color:#fff;--rot:1deg}
.hl--line{background:transparent;box-shadow:inset 0 0 0 .07em var(--navy);--rot:-.5deg}
.js .mf__text .hl{opacity:.14;transform:rotate(0) scale(.96)}
.js .mf__text .hl.lit{opacity:1;transform:rotate(var(--rot)) scale(1)}

/* ---------- Elija su camino (referencia Creatorspace) ---------- */
.paths{background:var(--stone);padding-top:0}
.paths__title{text-align:center;font-size:clamp(2.4rem,1.2rem + 4.6vw,5.6rem)}
.paths__title .mask{display:block}
.paths__lede{text-align:center;margin:20px auto 0}
.paths__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(14px,1.8vw,26px);margin-top:clamp(40px,5vw,72px)}
.pcard{position:relative;display:flex;flex-direction:column;justify-content:flex-end;min-height:clamp(420px,40vw,560px);border-radius:var(--r-big);overflow:hidden;color:#fff;text-decoration:none;isolation:isolate;background:var(--deep);box-shadow:0 30px 60px -40px rgba(13,39,64,.6)}
.pcard picture,.pcard img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform 1.1s var(--ease)}
.pcard::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(13,39,64,.05) 30%,rgba(13,39,64,.92) 100%);transition:opacity .5s var(--ease)}
.pcard__body{padding:clamp(22px,2.4vw,32px);display:flex;flex-direction:column;gap:8px}
.pcard__body .micro{color:var(--gold-lt)}
.pcard__body b{font:800 clamp(1.8rem,1.2rem + 1.6vw,2.6rem)/1 var(--display)}
.pcard__body span:last-child{color:var(--on-navy-2);font-size:15px;max-width:30ch}
.pcard__go{position:absolute;top:20px;right:20px;width:52px;height:52px;border-radius:50%;background:rgba(250,248,243,.92);color:var(--navy);display:grid;place-items:center;transform:rotate(-45deg);transition:transform .5s var(--ease),background-color .4s}
.pcard__go svg{width:22px;height:22px}
@media (hover:hover) and (pointer:fine){.pcard:hover .pcard__go{transform:rotate(0);background:var(--gold)}}
.pcard picture{will-change:transform}
.pcard img{transform:scale(1.12);transition:transform .9s var(--ease)}
@media (max-width:900px){.paths__grid{grid-template-columns:1fr}.pcard{min-height:380px}}


/* ==========================================================================
   v3 · efectos y elementos nuevos
   ========================================================================== */
.btn:active{transform:scale(.97)!important}

/* Filas de coberturas en movimiento (velocidad ligada al scroll) */
.chips-sec{background:var(--stone);padding:clamp(24px,4vw,56px) 0 clamp(64px,8vw,112px);overflow:hidden;display:grid;gap:14px}
.crow{overflow:hidden;-webkit-mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.jtrack{display:flex;width:max-content;gap:14px;will-change:transform}
.chip{display:flex;align-items:center;gap:14px;padding:10px 22px 10px 10px;border-radius:var(--r-card);background:var(--paper);border:1px solid var(--line);box-shadow:0 10px 24px -18px rgba(13,39,64,.45);white-space:nowrap;flex:none}
.chip i{width:56px;height:56px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:var(--gold-lt)}
.chip i svg{width:26px;height:26px}
.chip img{width:56px;height:56px;border-radius:12px;object-fit:cover}
.chip b{display:block;font:700 1.05rem/1.1 var(--display);color:var(--navy)}
.chip small{display:block;font-size:13px;color:var(--muted);margin-top:3px}
.crow:nth-child(2) .chip:nth-child(3n){background:var(--navy);border-color:var(--navy)}
.crow:nth-child(2) .chip:nth-child(3n) b{color:#fff}
.crow:nth-child(2) .chip:nth-child(3n) small{color:var(--on-navy)}
.crow:nth-child(2) .chip:nth-child(3n) i{background:var(--gold);color:var(--deep)}

/* Aseguradoras: marquesina movida por JS */
.marq .jtrack{gap:0}
.marq ul{display:flex;list-style:none;margin:0;padding:0}

/* Tabla comparativa (referencia: sitio Lumeka) */
.cmp{background:var(--paper)}
.cmp__table{border-radius:var(--r-big);overflow:hidden;border:1px solid var(--line);background:var(--paper);position:relative}
.cmp__row{display:grid;grid-template-columns:1fr 1fr 1fr 1.2fr;border-top:1px solid var(--line)}
.cmp__row:first-child{border-top:0}
.cmp__k,.cmp__c{padding:22px clamp(14px,2vw,28px);font-size:15.5px;line-height:1.4;display:flex;align-items:center;gap:10px}
.cmp__k{font:700 1.05rem/1.2 var(--display);color:var(--navy);background:var(--stone)}
.cmp__c{color:var(--muted)}
.cmp__c--me{background:var(--deep);color:#fff;font-weight:500}
.cmp__c--me svg{width:20px;height:20px;color:var(--gold-lt);flex:none}
.cmp__row--head .cmp__c{font:600 12px/1.3 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--navy);background:var(--stone)}
.cmp__row--head .cmp__c--me{background:var(--navy);color:var(--gold-lt);font-size:13px}
.cmp__row--head .cmp__c--me img{width:44px}
.cmp__row:not(.cmp__row--head):hover .cmp__c--me{background:var(--navy)}
@media (max-width:820px){
  .cmp__row--head{display:none}
  .cmp__row{grid-template-columns:1fr;border-top:8px solid var(--stone)}
  .cmp__c{display:grid;grid-template-columns:1fr;gap:4px;padding:12px 18px}
  .cmp__c::before{content:attr(data-l);font:600 11px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
  .cmp__c--me{grid-template-columns:auto 1fr}
  .cmp__c--me::before{grid-column:1/-1;color:var(--gold-lt)}
}

/* Revisión de póliza: la hoja se endereza y las palomitas se dibujan con el scroll */
.review{background:var(--stone);overflow:hidden}
.review__grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,7vw,120px);align-items:center}
.review__act{display:flex;flex-wrap:wrap;align-items:center;gap:14px 20px;margin-top:34px}
.review__act span{font-size:14px;color:var(--muted)}
.sheet{position:relative;background:#fff;border-radius:18px;padding:clamp(24px,3vw,44px);box-shadow:0 40px 80px -40px rgba(13,39,64,.5);transform-origin:60% 100%;will-change:transform}
.sheet::before{content:"";position:absolute;inset:14px -14px -14px 14px;background:var(--stone-2);border-radius:18px;z-index:-1;transform:rotate(3deg)}
.sheet__head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.sheet__head img{width:120px}
.sheet__stamp{color:var(--gold-ink);border:1.5px solid var(--gold);padding:8px 12px;border-radius:999px;transform:rotate(-4deg)}
.sheet__list{list-style:none;margin:0;padding:0}
.sheet__list li{display:grid;grid-template-columns:30px 1fr;gap:14px;padding:16px 0;border-bottom:1px dashed var(--line)}
.sheet__list li:last-child{border-bottom:0;padding-bottom:0}
.sheet__list svg{width:24px;height:24px;margin-top:2px;fill:none;stroke:var(--gold);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.sheet__list path{stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset .5s var(--ease)}
.sheet__list li.ok path{stroke-dashoffset:0}
.sheet__list b{display:block;font:700 1.12rem/1.2 var(--display);color:var(--navy)}
.sheet__list span{font-size:14.5px;color:var(--muted)}
.rm .sheet__list path{stroke-dashoffset:0}
@media (max-width:900px){.review__grid{grid-template-columns:1fr}}

/* Guía rápida: envío directo */
.qsend{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}
.qsend input:not(.hp){min-height:52px;padding:0 16px;border-radius:12px;border:1px solid rgba(228,222,207,.28);background:rgba(255,255,255,.06);color:#fff;font-size:16px}
.qsend input::placeholder{color:rgba(228,222,207,.6)}
.qsend input:focus{outline:none;border-color:var(--gold-lt);box-shadow:0 0 0 3px rgba(231,201,137,.2)}
.qsend .btn{grid-column:1/-1}
.qmsg{min-height:1.4em;margin:12px 0 0;font-size:14.5px;color:var(--gold-lt)}
.qmsg.err{color:#F3B1A6}
.qreset{background:none;border:0;color:var(--on-navy);font-size:14px;padding:8px 0;cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.sent.err{background:#FBEDEA;border-color:#F0C9C1;color:#7A2E22}
.btn[disabled]{opacity:.6;pointer-events:none}
@media (max-width:520px){.qsend{grid-template-columns:1fr}}

/* Brillo que sigue al cursor en tarjetas oscuras */
@media (hover:hover) and (pointer:fine){
  .spot{position:relative}
  .spot::after{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;opacity:0;transition:opacity .3s var(--ease);background:radial-gradient(360px circle at var(--mx,50%) var(--my,50%),rgba(231,201,137,.16),transparent 60%)}
  .spot:hover::after{opacity:1}
}

/* Volver arriba con anillo de progreso */
.totop{display:inline-flex;align-items:center;gap:12px;margin-top:28px;color:var(--on-navy-2);text-decoration:none;font-size:14px;font-weight:500}
.totop svg{width:44px;height:44px;transform:rotate(-90deg);flex:none}
.totop circle{fill:none;stroke:var(--gold-lt);stroke-width:1.5;stroke-dasharray:1;stroke-dashoffset:var(--tp,1)}
.totop span{margin-left:-56px;width:44px;text-align:center;color:var(--gold-lt)}
.totop:hover{color:#fff}

/* marquesinas en movimiento continuo */
.jtrack{animation:tick 55s linear infinite}
.crow:nth-child(2) .jtrack,.marq.rev .jtrack{animation-direction:reverse}
/* la hoja crea su propio contexto al girar: el papel blanco va en ::after, encima de la hoja de atrás */
.sheet{background:none}
.sheet::after{content:"";position:absolute;inset:0;background:#fff;border-radius:18px;z-index:-1}

/* ==========================================================================
   v4 · elementos gráficos en todo el sitio
   ========================================================================== */
.sin figure picture{display:block;height:100%}
.pan picture{display:block;width:100%;height:100%}

/* Intro de marca: solo la primera vez en la sesión; se retira sola aunque falle JS */
.intro{display:none}
.js .intro{display:grid;position:fixed;inset:0;z-index:200;place-items:center;background:var(--deep);clip-path:inset(0 0 0 0);pointer-events:none;animation:introOut .95s var(--ease-io) 1.35s forwards}
.intro__in{display:grid;justify-items:center;gap:18px;animation:introIn .9s var(--ease) both}
.intro img{width:clamp(160px,18vw,240px)}
.intro i{width:140px;height:1px;background:var(--gold-lt);transform-origin:left;animation:introBar 1.1s var(--ease-io) .15s both}
.intro span{color:var(--gold-lt);font-size:11px}
@keyframes introIn{from{opacity:0;transform:translateY(16px)}}
@keyframes introBar{from{transform:scaleX(0)}}
@keyframes introOut{to{clip-path:inset(0 0 100% 0);visibility:hidden}}
.js.seen .intro,.js.rm .intro{display:none}

@keyframes panIn{from{transform:scale(1.1)}}

/* Portada: retícula suiza, coordenadas y sello giratorio */
.gridlines{position:absolute;inset:0 var(--gut);display:grid;grid-template-columns:repeat(5,1fr);pointer-events:none;opacity:calc(1 - var(--c,0))}
.gridlines i{border-left:1px solid rgba(231,201,137,.09);transform-origin:top;animation:gl 1.8s var(--ease) backwards}
.gridlines i:last-child{border-right:1px solid rgba(231,201,137,.09)}
.gridlines i:nth-child(1){animation-delay:1.3s}.gridlines i:nth-child(2){animation-delay:1.38s}.gridlines i:nth-child(3){animation-delay:1.46s}.gridlines i:nth-child(4){animation-delay:1.54s}.gridlines i:nth-child(5){animation-delay:1.62s}
.seen .gridlines i{animation-delay:0s}
@keyframes gl{from{transform:scaleY(0)}}
.coords{position:absolute;right:var(--gut);top:calc(var(--nav) + 4vh + 16px);display:flex;flex-direction:column;align-items:flex-end;gap:6px;font-size:10.5px;color:rgba(228,222,207,.62);opacity:calc(1 - var(--c,0)*1.4);pointer-events:none}
.coords span:first-child{color:var(--gold-lt)}
.seal{position:absolute;right:var(--gut);bottom:clamp(112px,16vh,170px);width:clamp(112px,9.5vw,150px);aspect-ratio:1;display:grid;place-items:center;color:var(--gold-lt);text-decoration:none;opacity:calc(1 - var(--c,0)*1.8);transition:transform .45s var(--ease)}
.seal::before{content:"";position:absolute;inset:22%;border-radius:50%;border:1px solid rgba(231,201,137,.55);background:var(--deep);box-shadow:0 12px 30px -10px rgba(5,18,32,.6)}
.seal svg{position:absolute;inset:0;width:100%;height:100%;overflow:visible;animation:spin 26s linear infinite}
.seal text{font:600 15px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;fill:currentColor;paint-order:stroke;stroke:rgba(10,31,51,.55);stroke-width:3px}
.seal img{position:relative;width:40%}
@keyframes spin{to{transform:rotate(360deg)}}
@media (hover:hover) and (pointer:fine){.seal:hover{transform:scale(1.07)}}
@media (max-width:820px),(max-height:620px){.seal,.coords{display:none}.gridlines{grid-template-columns:repeat(3,1fr)}.gridlines i:nth-child(n+4){display:none}.gridlines i:nth-child(3){border-right:1px solid rgba(231,201,137,.09)}}
.rm .gridlines,.rm .seal svg{animation:none}

/* Altímetro: la página como subida a la cumbre */
.alti{position:fixed;left:clamp(12px,1.4vw,24px);top:50%;z-index:40;display:flex;flex-direction:column;align-items:center;gap:14px;color:var(--navy);opacity:0;transform:translate(-14px,-50%);pointer-events:none;transition:opacity .5s var(--ease),transform .5s var(--ease),color .4s ease}
.alti.v{opacity:1;transform:translate(0,-50%)}
.alti.dk{color:var(--gold-lt)}
.alti__n{font:800 15px/1 var(--display)}
.alti__track{position:relative;width:1px;height:min(30vh,260px)}
.alti__track::before{content:"";position:absolute;left:-4px;width:9px;top:0;bottom:0;background:repeating-linear-gradient(currentColor 0 1px,transparent 1px 12.5%);opacity:.35}
.alti__track::after{content:"";position:absolute;inset:0;background:currentColor;opacity:.22}
.alti__track i{position:absolute;inset:0;background:currentColor;transform-origin:top;transform:scaleY(0);z-index:1}
.alti__track b{position:absolute;left:50%;top:0;width:9px;height:9px;margin:-4.5px 0 0 -4.5px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 5px rgba(176,141,87,.2);z-index:2}
.alti__m,.alti__lab{writing-mode:vertical-rl;transform:rotate(180deg);font-size:10px;letter-spacing:.2em;white-space:nowrap}
.alti__lab{max-height:24vh;overflow:hidden;opacity:.75}
@media (max-width:1180px),(max-height:620px){.alti{display:none}}

/* Cursor con etiqueta sobre fotos */
.cursor{display:none}
@media (hover:hover) and (pointer:fine){
  .cursor{display:grid;position:fixed;left:0;top:0;z-index:150;width:88px;height:88px;margin:-44px 0 0 -44px;border-radius:50%;place-items:center;background:var(--gold);color:var(--deep);font:700 12px/1 var(--body);letter-spacing:.16em;text-transform:uppercase;pointer-events:none;opacity:0;scale:.4;transition:opacity .25s ease,scale .35s var(--ease)}
  .cursor.on{opacity:1;scale:1}
}

/* Curvas de nivel de fondo */
.mf,.cmp,.contacto,.review,.glosario{position:relative;isolation:isolate;overflow:clip}
.topo{position:absolute;left:0;right:0;top:-8%;bottom:-8%;z-index:-1;pointer-events:none;background:url(../assets/img/topo-navy.svg) 70% 50%/max(1500px,115%) auto no-repeat;opacity:.08;will-change:transform;-webkit-mask:radial-gradient(ellipse 75% 70% at 65% 50%,#000 30%,transparent 80%);mask:radial-gradient(ellipse 75% 70% at 65% 50%,#000 30%,transparent 80%)}
.topo--gold{background-image:url(../assets/img/topo-gold.svg);opacity:.1}
.contacto .topo{background-position:20% 30%}

/* Números gigantes de sección (retícula suiza) */
.bignum{position:absolute;right:calc(var(--gut) - .04em);top:clamp(24px,4vw,64px);z-index:0;font:800 clamp(8rem,23vw,21rem)/.78 var(--display);letter-spacing:-.05em;color:transparent;-webkit-text-stroke:1.5px rgba(20,56,89,.13);pointer-events:none;user-select:none}
.bignum--lt{-webkit-text-stroke-color:rgba(231,201,137,.17)}
.seguros,.proceso,.faq{overflow-x:clip}

/* Banda tipográfica que se mueve con el scroll */
.kin{background:var(--paper);padding:clamp(36px,6vw,96px) 0 clamp(28px,4vw,64px);overflow:hidden;display:grid;gap:clamp(2px,.6vw,10px)}
.kin__row{display:flex;align-items:center;width:max-content;white-space:nowrap;will-change:transform}
.kin__row span{font:800 clamp(3.4rem,10vw,9.6rem)/1 var(--display);letter-spacing:-.035em;color:var(--navy);padding:0 .14em}
.kin__row span.o{color:transparent;-webkit-text-stroke:1.5px var(--navy)}
.kin__row i{flex:none;width:clamp(12px,1.5vw,24px);aspect-ratio:1;border-radius:50%;background:var(--gold);margin:0 .5em}
.kin__row--it span{font:400 italic clamp(2.4rem,6.6vw,6.4rem)/1.1 var(--serif);color:var(--gold-ink);letter-spacing:-.01em;padding:0 .2em}
.kin__row--it i{background:none;border:1.5px solid var(--gold);width:clamp(10px,1.1vw,18px)}

/* Cordilleras entre secciones */
.rdiv{background:var(--from);line-height:0;margin-bottom:-1px;overflow:hidden;position:relative;z-index:2}
.rdiv svg{display:block;width:100%;height:clamp(60px,9vw,150px)}

.rdiv .r1{fill:var(--to);opacity:.22}
.rdiv .r2{fill:var(--to);opacity:.5}
.rdiv .r3{fill:var(--to)}
.rdiv .crest{fill:none;stroke:var(--gold);stroke-width:1.6;stroke-linejoin:round;stroke-dasharray:1;stroke-dashoffset:1}
.rm .rdiv .crest{stroke-dashoffset:0}

/* ==========================================================================
   v5 · fluidez: el movimiento ligado al scroll corre en el compositor
   (animation-timeline). JS solo mueve la portada, el manifiesto y las tarjetas.
   ========================================================================== */
/* nada que obligue a recalcular en cada cuadro */
.sun::after{animation:none}
.sun{will-change:auto}
.scard{will-change:transform}
.scard__shade{display:none}
.clouds svg,.clouds .base{will-change:transform}
.horizon,.stage-logo{will-change:transform,opacity}
.topo{will-change:auto}
.clip{transition:none}
.quien .bg{transform:none}

/* cordilleras: una capa por silueta */
.rdiv{position:relative;height:clamp(60px,9vw,150px)}
.rdiv svg{position:absolute;top:0;left:-5%;width:110%;height:100%;display:block}
.rdiv .r1 path{fill:var(--to);opacity:.22}
.rdiv .r2 path{fill:var(--to);opacity:.5}
.rdiv .r3 path{fill:var(--to);opacity:1}
.rdiv .r3 path.crest{fill:none;stroke:var(--gold);stroke-width:1.6;stroke-linejoin:round;stroke-dasharray:1;stroke-dashoffset:0;opacity:1}

/* aparición de títulos con desenfoque que se disuelve (una sola vez) */
.js .kicker[data-reveal] .bar{transform:scaleX(0);transform-origin:left;transition:transform 1.1s var(--ease) .25s}
.js .kicker[data-reveal].in .bar{transform:translateY(-4px) scaleX(1)}
.js .lede[data-reveal]{filter:blur(6px);transition:opacity .9s var(--ease),transform .9s var(--ease),filter .9s var(--ease);transition-delay:calc(var(--d,0)*100ms)}
.js .lede[data-reveal].in{filter:none}

/* botones magnéticos (solo mouse) */
@media (hover:hover) and (pointer:fine){
  .btn{transition:transform .35s var(--ease),background-color .3s,color .3s,box-shadow .3s}
  .scard__media img{transition:scale .9s var(--ease)}
  .scard:hover .scard__media img{scale:1.04}
}

/* Efectos ligados al scroll: los mueve JS sobre capas propias con posición conocida
   (las animation-timeline hacían que el navegador separara secciones enteras en capas) */
.pcard picture,.sin figure img,.quien .bg,.sheet,.clip img,.kin__row,.rdiv .r1,.rdiv .r2,.foot-claim,.progress{will-change:transform}
.quien .bg{inset:-12% 0}
.sheet__list path{transition:stroke-dashoffset .6s var(--ease)}
main > section:not(.hero),main > .rdiv{contain:paint}
.rm .sheet__list path,.rm .rdiv .crest{stroke-dashoffset:0}
.kin__in{display:grid;gap:inherit;will-change:transform}
.crow.off .jtrack,.paused .jtrack{animation-play-state:paused}
.alti{contain:layout style}
.progress,.alti__track i,.alti__track b{will-change:transform}
/* fotos que se descubren como cortina al aparecer (una vez) */
.js .pcard[data-reveal],.js .sin figure[data-reveal]{clip-path:inset(14% 0 0 0 round var(--r-big));transition:opacity .9s var(--ease),transform 1.1s var(--ease),clip-path 1.2s var(--ease);transition-delay:calc(var(--d,0)*110ms)}
.js .pcard[data-reveal].in{clip-path:inset(0 0 0 0 round var(--r-big))}
.js .sin figure[data-reveal].in{clip-path:inset(0 0 0 0 round var(--r-big) var(--r-big) var(--r-big) 220px)}
.js .pcard[data-reveal].done,.js .sin figure[data-reveal].done{clip-path:none}
@media (max-width:860px){.js .sin figure[data-reveal].in{clip-path:inset(0 0 0 0 round var(--r-big))}}

/* =========================================================================
   v6 · Guía de 6 preguntas + diseño de la mitad hacia abajo
   (sin backdrop-filter, sin will-change nuevos, sin animaciones infinitas)
   ========================================================================= */
/* ---- Guía: intro + resumen en vivo | tarjeta del quiz ---- */
.guia .wrap{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);align-items:start}
.guia__intro{display:flex;flex-direction:column}
.guia__intro .lede{max-width:44ch}
.qsum{margin-top:clamp(28px,3.4vw,44px);border:1px solid var(--line-dk);border-radius:20px;background:rgba(10,31,51,.72);padding:clamp(20px,2.4vw,28px)}
.qsum__head{display:flex;align-items:center;gap:14px;padding-bottom:16px;border-bottom:1px solid var(--line-dk)}
.qsum__head img{width:44px;height:auto;flex:none}
.qsum__head .micro{flex:1;color:var(--on-navy-2);letter-spacing:.14em;line-height:1.4}
.qsum__head b{font:800 1.5rem/1 var(--display);color:var(--gold-lt);font-variant-numeric:tabular-nums}
.qsum__list{list-style:none;margin:0;padding:0;counter-reset:s}
.qsum__list li{position:relative;display:grid;grid-template-columns:26px minmax(92px,.8fr) 1.2fr;gap:12px;align-items:baseline;padding:12px 0;border-bottom:1px dashed rgba(231,201,137,.14);font-size:14px}
.qsum__list li:last-child{border-bottom:0}
.qsum__list li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:22px;height:22px;border-radius:50%;border:1px solid rgba(231,201,137,.35);font:700 11px/1 var(--body);color:var(--on-navy);align-self:center;transition:background-color .4s var(--ease),color .4s,border-color .4s}
.qsum__list li.ok::before{content:"\2713";background:var(--gold-lt);border-color:var(--gold-lt);color:var(--ink)}
.qsum__list span{color:var(--on-navy);text-transform:uppercase;letter-spacing:.1em;font-size:11px;font-weight:600}
.qsum__list b{color:rgba(228,222,207,.35);font-weight:500;line-height:1.35}
.qsum__list li.ok b{color:#fff}
.qsum__foot{margin:14px 0 0;font-size:12.5px;color:var(--on-navy);letter-spacing:.02em}

.quiz{position:relative;box-shadow:0 50px 100px -50px rgba(0,0,0,.7);transition:border-color .6s var(--ease)}
.quiz::before{content:"";position:absolute;left:28px;right:28px;top:-1px;height:1px;background:linear-gradient(90deg,transparent,var(--gold-lt),transparent);opacity:.7}
.quiz.done{border-color:rgba(231,201,137,.5)}
.qtop{display:flex;align-items:center;gap:20px;margin-bottom:28px}
.qnum{font:800 clamp(2.8rem,4.4vw,3.8rem)/.8 var(--display);letter-spacing:-.03em;color:var(--gold-lt);min-width:2.1ch;font-variant-numeric:tabular-nums}
.qtop .qbar{flex:1;margin:0}
.opt__k{flex:none;display:grid;place-items:center;width:28px;height:28px;border-radius:8px;border:1px solid rgba(231,201,137,.4);font:700 13px/1 var(--display);color:var(--gold-lt);transition:background-color .3s var(--ease),color .3s,border-color .3s}
.opt:hover .opt__k{border-color:var(--gold-lt)}
.opt[aria-pressed="true"] .opt__k{background:var(--gold-lt);border-color:var(--gold-lt);color:var(--ink)}
.opt:active{transform:scale(.98)}
.result .need ul{columns:2;column-gap:28px}
.result .need li{break-inside:avoid;margin-bottom:4px}
.qsend #qCp{grid-column:1/-1}
.qsend{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.qsend .btn{grid-column:auto;min-width:0;padding:0 16px;white-space:normal;text-align:center;line-height:1.15}
.qsend .btn svg{flex:none}
.qsend__na{background-color:transparent}
.qsend .consent input{min-height:0;padding:0;margin-top:1px}
.qsend__na svg{color:#25D366}
@media (max-width:520px){.qsend{grid-template-columns:minmax(0,1fr)}}
@media (max-width:980px){
  .guia .wrap{display:flex;flex-direction:column;gap:0}
  .guia__intro{display:contents}
  .guia .quiz{order:1;margin-top:34px}
  .qsum{order:2;margin-top:16px}
}
@media (max-width:620px){.result .need ul{columns:1}.qsend #qCp,.qsend .btn{grid-column:1/-1}.qsum__list li{grid-template-columns:26px 1fr;row-gap:2px}.qsum__list b{grid-column:2}}

/* ---- 07 · Siniestro: línea de tiempo ---- */
.check--line li{position:relative;grid-template-columns:64px 1fr;border:0!important;padding:0 0 30px}
.check--line li:last-child{padding-bottom:0}
.check--line li::before{content:counter(c);width:46px;height:46px;border-radius:50%;display:grid;place-items:center;font:800 1.15rem/1 var(--display);color:var(--navy);background:var(--paper);box-shadow:inset 0 0 0 1.5px var(--gold);position:relative;z-index:1;transition:background-color .5s var(--ease),color .5s}
.check--line li::after{content:"";position:absolute;left:22.5px;top:50px;bottom:4px;width:1px;background:linear-gradient(var(--gold),rgba(176,141,87,.15));transform-origin:top;transition:transform 1.1s var(--ease) .35s}
.check--line li:last-child::after{display:none}
.js .check--line li[data-reveal]:not(.in)::after{transform:scaleY(0)}
.check--line li:hover::before{background:var(--gold);color:#fff}
.check--line b{padding-top:10px}
.check--line li:last-child::before{background:var(--navy);color:var(--gold-lt);box-shadow:none}

/* ---- 08 · Glosario: tarjetas con inicial ---- */
.terms{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.term{position:relative;display:block;padding:26px 24px 24px;border:1px solid var(--line-dk)!important;border-radius:var(--r-card);background:rgba(10,31,51,.55);overflow:hidden;transition:border-color .4s var(--ease),background-color .4s var(--ease),transform .4s var(--ease)}
.term::before{content:attr(data-l);position:absolute;right:-6px;bottom:-34px;font:800 9rem/1 var(--display);color:rgba(231,201,137,.07);pointer-events:none;transition:color .4s}
.term::after{content:attr(data-n);position:absolute;top:24px;right:22px;font:600 11px/1 var(--body);letter-spacing:.18em;color:var(--gold-lt);opacity:.75}
.term dt{position:relative;padding-right:40px}
.term dd{position:relative;margin-top:14px;font-size:15px;line-height:1.55}
.term:hover{background:rgba(10,31,51,.85);border-color:rgba(231,201,137,.45)!important;transform:translateY(-3px)}
.term:hover::before{color:rgba(231,201,137,.16)}
@media (max-width:1100px) and (min-width:861px){.terms{grid-template-columns:1fr}}
@media (max-width:560px){.terms{grid-template-columns:1fr}}

/* ---- 09 · Aseguradoras: cifra gigante + píldoras ---- */
.aseg__side{display:flex;align-items:center;gap:clamp(18px,2.4vw,32px)}
.aseg__num{font:800 clamp(6rem,4rem + 7vw,11rem)/.78 var(--display);letter-spacing:-.06em;color:var(--gold);flex:none}
.aseg__side p{max-width:32ch;color:var(--muted);margin:0;padding-left:clamp(18px,2.4vw,32px);border-left:1px solid var(--line)}
.marq{padding:10px 0;border:0!important}
.marq li,.marq.rev li{font-size:clamp(1.25rem,.9rem + 1.3vw,2.05rem)}
.marq li{gap:0;padding:16px 30px;margin-right:14px;border:1px solid var(--line);border-radius:var(--r-pill);background:var(--paper)}
.marq li::after{display:none}
.marq.rev li{background:transparent;border-color:rgba(176,141,87,.4)}
@media (max-width:620px){.aseg__side{align-items:center;gap:16px}.aseg__num{font-size:5.4rem}.aseg__side p{padding-left:16px;font-size:15px}.marq li{padding:12px 22px}}

/* ---- 10 · Quién soy: firma + comilla ---- */
.quien blockquote{position:relative}
.quien blockquote::before{content:"\201C";position:absolute;left:-.5em;top:-.12em;font:400 italic 2.4em/1 var(--serif);color:var(--gold-lt);opacity:.45;pointer-events:none}
@media (max-width:900px){.quien blockquote::before{display:none}}
.firma{display:block;margin-top:26px;font:400 italic clamp(3rem,2rem + 3vw,4.6rem)/1 var(--serif);color:var(--gold-lt);rotate:-4deg;transform-origin:left bottom;letter-spacing:-.01em}
.firma + .sig{margin-top:14px}

/* ---- 11 · Preguntas: tarjeta para preguntar ---- */
.askcard{position:relative;margin-top:32px;padding:28px 26px 26px;border-radius:var(--r-big);background:var(--deep);color:#fff;overflow:hidden;box-shadow:var(--shadow)}
.askcard::before{content:"";position:absolute;inset:0;background:url(../assets/img/topo-gold.svg) 60% 40%/700px auto no-repeat;opacity:.1;pointer-events:none}
.askcard>*{position:relative}
.askcard img{width:64px;height:auto;display:block}
.askcard b{display:block;margin-top:18px;font:700 1.5rem/1.1 var(--display)}
.askcard p{margin:8px 0 20px;color:var(--on-navy);font-size:15px}
.askcard .btn{width:100%;justify-content:center}

/* ---- 12 · Cita: tres pasos ---- */
.cita-steps{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:10px}
.cita-steps li{display:flex;align-items:center;gap:14px;padding:12px 14px;border:1px solid rgba(231,201,137,.22);border-radius:14px;background:rgba(10,31,51,.6);color:var(--on-navy-2);font-size:14.5px}
.cita-steps b{flex:none;display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--gold-lt);color:var(--ink);font:800 14px/1 var(--display)}

/* ---- Pie: marca gigante ---- */
.foot-mark{margin:clamp(40px,5vw,72px) 0 0;font:800 clamp(2rem,10.4vw,10.5rem)/.8 var(--display);letter-spacing:-.045em;white-space:nowrap;color:rgba(231,201,137,.09);text-align:center;user-select:none;padding-bottom:.12em;margin-bottom:28px}

/* =========================================================================
   v7 · Cita primero, más preguntas en el formulario, mapa con estilo de marca
   ========================================================================= */
.cita{margin:0 0 clamp(16px,2vw,28px)}
.fld label i,.fld legend i{font-style:normal;font-weight:500;letter-spacing:.06em;text-transform:none;color:var(--muted)}
.dyn{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:18px 16px;padding:20px;border-radius:16px;background:var(--stone);border:1px solid var(--line);position:relative}
.dyn[hidden]{display:none}
.dyn:not([hidden]){animation:fadeUp .5s var(--ease) both}
.dyn__t{grid-column:1/-1;margin:0;display:flex;align-items:center;gap:10px;color:var(--gold-ink)}
.dyn__t span{width:8px;height:8px;border-radius:50%;background:var(--gold)}
.dyn .fld input,.dyn .fld select{background:#fff}
.cita-side{display:flex;flex-direction:column}
.cita-steps{margin-top:auto;padding-top:28px}

.map{background:#E6E1D6}
.map__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 50%}
.map__pin{position:absolute;left:50%;top:50%;width:64px;height:64px;margin:-70px 0 0 -32px;border-radius:50% 50% 50% 0;rotate:-45deg;background:var(--deep);box-shadow:0 14px 28px -10px rgba(13,39,64,.7);display:grid;place-items:center}
.map__pin img{width:40px;height:auto;rotate:45deg}
.map__pin::after{content:"";position:absolute;left:-14px;bottom:-14px;width:22px;height:22px;border-radius:50%;background:rgba(176,141,87,.35);rotate:45deg}
.map__tag{position:absolute;left:50%;top:50%;transform:translate(-50%,14px);padding:9px 14px;border-radius:var(--r-pill);background:var(--paper);color:var(--navy);box-shadow:0 10px 24px -12px rgba(13,39,64,.5);white-space:nowrap}
.map__live{position:absolute;top:16px;right:16px;display:inline-flex;align-items:center;gap:8px;min-height:42px;padding:0 16px;border:0;border-radius:var(--r-pill);background:var(--paper);color:var(--navy);font:600 13.5px/1 var(--body);cursor:pointer;box-shadow:0 10px 24px -12px rgba(13,39,64,.5);transition:background-color .3s var(--ease),color .3s,transform .16s ease-out}
.map__live svg{width:16px;height:16px;color:var(--gold)}
.map__live:hover{background:var(--navy);color:#fff}
.map__live:active{transform:scale(.97)}
.map__osm{position:absolute;top:22px;left:18px;font-size:11px;color:var(--muted);background:rgba(250,248,243,.85);padding:2px 6px;border-radius:4px}
.map iframe{z-index:1}
.map.live .map__pin,.map.live .map__tag,.map.live .map__live,.map.live .map__osm{display:none}
.map__card{z-index:2}
@media (max-width:560px){.dyn{grid-template-columns:1fr;padding:16px}.dyn .fld,.dyn .fld.half{grid-column:1/-1}}

/* =========================================================================
   v8 · Momentos de vida, calculadora de suma asegurada, FAQ por tema
   ========================================================================= */
/* ---- Momentos ---- */
.momentos{background:var(--deep);color:#fff;overflow:hidden}
.momentos .topo{z-index:0}
.momentos .wrap{position:relative}
.mom__head{max-width:760px;margin-bottom:clamp(36px,5vw,64px)}
.mom{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(28px,5vw,80px);align-items:start}
.mom__list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line-dk)}
.mom__list li{border-bottom:1px solid var(--line-dk)}
.mom__b{width:100%;display:grid;grid-template-columns:44px 1fr 28px;align-items:center;gap:12px;padding:clamp(16px,1.8vw,22px) 0;background:none;border:0;color:rgba(228,222,207,.55);text-align:left;cursor:pointer;font:700 clamp(1.35rem,1rem + 1.4vw,2.2rem)/1.1 var(--display);transition:color .35s var(--ease)}
.mom__n{font:600 12px/1 var(--body);letter-spacing:.16em;color:var(--gold-lt);opacity:.7}
.mom__b svg{width:22px;height:22px;color:var(--gold-lt);opacity:0;transform:translateX(-10px);transition:opacity .35s var(--ease),transform .35s var(--ease)}
.mom__t{position:relative;justify-self:start}
.mom__t::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--gold-lt);transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}
.mom__b:hover{color:#fff}
.mom__b[aria-expanded="true"]{color:#fff}
.mom__b[aria-expanded="true"] .mom__t::after{transform:scaleX(1)}
.mom__b[aria-expanded="true"] svg,.mom__b:hover svg{opacity:1;transform:none}
.mom__b:focus-visible{outline:2px solid var(--gold-lt);outline-offset:4px}
.mom__panels{position:sticky;top:110px}
.mom__p{position:relative;overflow:hidden;background:var(--paper);color:var(--text);border-radius:var(--r-big);padding:clamp(26px,3vw,40px);box-shadow:0 50px 100px -50px rgba(0,0,0,.75)}
.mom__p:not([hidden]){animation:fadeUp .5s var(--ease) both}
.mom__ic{position:absolute;right:-18px;top:-18px;width:150px;height:150px;color:var(--gold);opacity:.14;stroke-width:1.1}
.mom__k{color:var(--gold-ink)}
.mom__p h3{margin-top:12px;font-size:clamp(1.7rem,1.2rem + 1.6vw,2.4rem);color:var(--navy)}
.mom__p p{margin:14px 0 0;color:var(--muted);font-size:16px;max-width:46ch}
.mom__lb{display:block;margin-top:22px;font:600 12px/1.2 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--navy)}
.mom__chk{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:8px}
.mom__chk li{display:flex;gap:10px;align-items:flex-start;font-size:15px;color:var(--text)}
.mom__chk li::before{content:"";flex:none;width:18px;height:18px;margin-top:2px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/11px no-repeat}
.mom__acts{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.mom__acts .btn{min-height:48px;font-size:14.5px}
.mom__acts .btn-line{border-color:var(--line);color:var(--navy)}
.mom__acts .btn-line:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
@media (max-width:900px){
  .mom{grid-template-columns:1fr}
  .mom__panels{position:static}
  .mom__list .mom__p{margin:4px 0 20px}
}

/* ---- Calculadora ---- */
.calc{background:var(--paper)}
.calc__in{position:relative;display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(32px,6vw,96px);align-items:center}
.calc__how{margin-top:30px;padding:22px 24px;border-left:3px solid var(--gold);background:var(--stone);border-radius:0 16px 16px 0}
.calc__how b{display:block;font:600 12px/1.2 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--navy)}
.calc__how p{margin:12px 0 0;display:flex;flex-wrap:wrap;gap:8px}
.calc__how p span{padding:8px 12px;border-radius:10px;background:var(--paper);border:1px solid var(--line);font:600 14px/1.2 var(--body);color:var(--navy)}
.calc__how small{display:block;margin-top:12px;color:var(--muted);font-size:13px}
.calc__card{background:var(--deep);color:#fff;border-radius:var(--r-big);padding:clamp(24px,3vw,40px);box-shadow:var(--shadow);display:grid;gap:22px}
.rg__top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:10px}
.rg__top label{font-size:14.5px;color:var(--on-navy-2)}
.rg__top output{font:700 1.2rem/1 var(--display);color:var(--gold-lt);font-variant-numeric:tabular-nums;white-space:nowrap}
.rg input{--p:50%;width:100%;height:28px;margin:0;background:none;-webkit-appearance:none;appearance:none;cursor:pointer}
.rg input::-webkit-slider-runnable-track{height:6px;border-radius:6px;background:linear-gradient(var(--gold-lt),var(--gold-lt)) 0/var(--p) 100% no-repeat,rgba(228,222,207,.18)}
.rg input::-moz-range-track{height:6px;border-radius:6px;background:rgba(228,222,207,.18)}
.rg input::-moz-range-progress{height:6px;border-radius:6px;background:var(--gold-lt)}
.rg input::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;margin-top:-9px;border-radius:50%;background:#fff;border:5px solid var(--gold);box-shadow:0 4px 14px rgba(0,0,0,.4);transition:transform .16s ease-out}
.rg input::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:5px solid var(--gold)}
.rg input:active::-webkit-slider-thumb{transform:scale(1.15)}
.rg input:focus-visible{outline:2px solid var(--gold-lt);outline-offset:4px;border-radius:6px}
.calc__out{padding:22px 0 0;border-top:1px solid var(--line-dk)}
.calc__out .micro{color:var(--on-navy)}
.calc__out b{display:block;margin-top:10px;font:800 clamp(2.4rem,1.6rem + 3vw,3.8rem)/1 var(--display);letter-spacing:-.02em;color:#fff;font-variant-numeric:tabular-nums}
.calc__bar{display:flex;height:10px;margin-top:18px;border-radius:10px;overflow:hidden;background:rgba(228,222,207,.12)}
.calc__bar i{display:block;height:100%;transition:flex-basis .5s var(--ease)}
#cB1{background:var(--gold-lt)}
#cB2{background:#7FA3C4}
.calc__leg{display:flex;gap:18px;margin-top:10px;font-size:12.5px;color:var(--on-navy)}
.calc__leg span{display:flex;align-items:center;gap:6px}
.calc__leg i{width:10px;height:10px;border-radius:3px;background:var(--gold-lt)}
.calc__leg span + span i{background:#7FA3C4}
.calc__cta{justify-content:center}
@media (max-width:900px){.calc__in{grid-template-columns:1fr}}

/* ---- Preguntas por tema ---- */
.qa{border-top:0}
.qa__cat{display:flex;justify-content:space-between;align-items:center;margin:34px 0 0;padding-bottom:12px;border-bottom:2px solid var(--navy);color:var(--navy)}
.qa__cat:first-child{margin-top:0}
.qa__cat .micro{color:var(--gold-ink)}
.qa__cat i{font:700 13px/1 var(--display);font-style:normal;color:var(--navy);opacity:.5}
.mom__b{scroll-margin-top:96px}
.foot-mark span{display:block}
.foot-mark span + span{margin-top:.08em}

/* =========================================================================
   v9 · Renovación, guías, guardar contacto, cabinas, aviso, agenda
   ========================================================================= */
/* ---- Recordatorio de renovación ---- */
.renov{position:relative;margin-top:clamp(48px,6vw,88px);display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);border-radius:var(--r-big);overflow:hidden;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow)}
.renov__txt{position:relative;background:var(--deep);color:#fff;padding:clamp(28px,3.4vw,48px);overflow:hidden}
.renov__txt::after{content:"";position:absolute;inset:0;background:url(../assets/img/topo-gold.svg) 30% 60%/900px auto no-repeat;opacity:.09;pointer-events:none}
.renov__txt>*{position:relative;z-index:1}
.renov__ic{display:grid;place-items:center;width:56px;height:56px;border-radius:16px;background:rgba(231,201,137,.14);color:var(--gold-lt);margin-bottom:22px}
.renov__ic svg{width:28px;height:28px}
.renov__txt .micro{color:var(--gold-lt)}
.renov__txt h3{margin-top:10px;font-size:clamp(1.8rem,1.2rem + 1.8vw,2.6rem);color:#fff}
.renov__txt p{margin:14px 0 0;color:var(--on-navy);max-width:40ch}
.renov__f{padding:clamp(24px,3.4vw,44px);display:grid;grid-template-columns:1fr 1fr;gap:16px;align-content:start}
.renov__f .btn{grid-column:1/-1;justify-self:start}
.renov__f .consent,.renov__f .err,.renov__f .sent{grid-column:1/-1}
@media (max-width:900px){.renov{grid-template-columns:1fr}}
@media (max-width:560px){.renov__f{grid-template-columns:1fr}.renov__f .fld,.renov__f .fld.half{grid-column:1/-1}.renov__f .btn{justify-self:stretch}}

/* ---- Casilla de aviso de privacidad ---- */
.consent{display:flex;align-items:flex-start;gap:10px;font-size:14px;line-height:1.4;color:var(--muted);cursor:pointer;grid-column:span 2}
.consent input{flex:none;width:20px;height:20px;margin:0;accent-color:var(--navy);cursor:pointer}
.consent a{color:var(--navy);font-weight:600}
.consent--dk{grid-column:1/-1;color:var(--on-navy)}
.consent--dk input{accent-color:var(--gold)}
.consent--dk a{color:var(--gold-lt)}
@media (max-width:560px){.cita .consent{grid-column:span 1}}

/* ---- Agenda ---- */
.agenda{display:grid;gap:12px;margin-top:8px;min-width:0}
.agenda__days{display:flex;gap:8px;overflow-x:auto;padding:2px 2px 8px;scrollbar-width:thin;scroll-snap-type:x proximity}
.agenda__days label{flex:none;cursor:pointer;position:relative;scroll-snap-align:start}
.agenda__days input{position:absolute;opacity:0;width:1px;height:1px}
.agenda__days span{display:grid;justify-items:center;gap:2px;width:64px;padding:10px 0;border-radius:14px;border:1.5px solid #CFC8B8;background:#fff;transition:background-color .25s var(--ease),border-color .25s,color .25s}
.agenda__days small{font:600 11px/1 var(--body);letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.agenda__days b{font:700 1.4rem/1.1 var(--display);color:var(--navy)}
.agenda__days label:hover span{border-color:var(--navy)}
.agenda__days input:checked + span{background:var(--navy);border-color:var(--navy)}
.agenda__days input:checked + span b,.agenda__days input:checked + span small{color:#fff}
.agenda__days input:focus-visible + span{outline:2px solid var(--gold);outline-offset:2px}
.agenda__hrs{margin-top:0}
.agenda__hrs span{min-height:40px;padding:0 14px}
.agenda__note{margin:0;font-size:13px;color:var(--muted)}

/* ---- Guías ---- */
.guias{background:var(--stone)}
.guias__head{display:flex;justify-content:space-between;align-items:end;gap:32px;flex-wrap:wrap;margin-bottom:clamp(36px,5vw,64px)}
.guias__head .lede{max-width:40ch;margin:0}
.guias__grid{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.gcard{position:relative;display:flex;flex-direction:column;gap:14px;min-height:300px;padding:26px 24px 22px;border-radius:var(--r-card);background:var(--paper);border:1px solid var(--line);color:var(--text);text-decoration:none;transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s}
.gcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.gcard:active{transform:scale(.98)}
.gcard__top{display:flex;justify-content:space-between;color:var(--gold-ink)}
.gcard b{font:700 clamp(1.2rem,1rem + .5vw,1.4rem)/1.2 var(--display);color:var(--navy)}
.gcard__d{font-size:14.5px;color:var(--muted);line-height:1.5}
.gcard__go{margin-top:auto;display:flex;align-items:center;gap:8px;font:600 14px/1 var(--body);color:var(--navy)}
.gcard__go svg{width:18px;height:18px;color:var(--gold);transition:transform .3s var(--ease)}
.gcard:hover .gcard__go svg{transform:translateX(4px)}
.gcard:nth-child(2){background:var(--deep);border-color:var(--deep)}
.gcard:nth-child(2) b{color:#fff}
.gcard:nth-child(2) .gcard__d{color:var(--on-navy)}
.gcard:nth-child(2) .gcard__go{color:#fff}
.gcard:nth-child(2) .gcard__top{color:var(--gold-lt)}
@media (max-width:1100px){.guias__grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.guias__grid{grid-template-columns:1fr}.gcard{min-height:0}}

/* ---- Ventana para guías y aviso ---- */
.dlg{width:min(760px,calc(100vw - 24px));max-height:calc(100dvh - 32px);padding:0;border:0;border-radius:var(--r-big);background:var(--paper);color:var(--text);box-shadow:0 40px 120px -20px rgba(5,18,32,.6);overflow:hidden}
.dlg::backdrop{background:rgba(10,31,51,.72)}
.dlg[open]{animation:fadeUp .4s var(--ease) both}
.dlg__in{max-height:calc(100dvh - 32px);overflow-y:auto;overscroll-behavior:contain;padding:clamp(28px,5vw,56px)}
.dlg__x{position:absolute;top:14px;right:14px;z-index:2;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--paper);color:var(--navy);display:grid;place-items:center;cursor:pointer;transition:background-color .2s,color .2s,transform .16s ease-out}
.dlg__x svg{width:20px;height:20px}
.dlg__x:hover{background:var(--navy);color:#fff}
.dlg__x:active{transform:scale(.95)}
.dlg-open{overflow:hidden}
.doc{max-width:64ch}
.doc__k{color:var(--gold-ink)}
.doc__t{margin-top:12px;font-size:clamp(1.8rem,1.2rem + 2vw,2.7rem);line-height:1.08;color:var(--navy);padding-right:40px}
.doc h3{margin:30px 0 0;font-size:1.3rem;color:var(--navy)}
.doc p{margin:12px 0 0;font-size:16.5px;line-height:1.65;color:var(--text)}
.doc ul{margin:12px 0 0;padding-left:20px;display:grid;gap:8px}
.doc li{font-size:16px;line-height:1.55}
.doc .note{padding:12px 16px;border-radius:12px;background:var(--stone);font-size:14px;color:var(--muted)}
.doc a{color:var(--navy);font-weight:600}
.doc__cta{margin-top:36px;padding:24px;border-radius:18px;background:var(--deep);color:#fff;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.doc__cta p{margin:0;color:#fff;font:700 1.15rem/1.25 var(--display)}
.doc__cta a{color:var(--deep)}

/* ---- Páginas sueltas (guías y aviso en el servidor) ---- */
.docpage{background:var(--paper)}
.docpage__bar{position:sticky;top:0;z-index:5;background:var(--paper);border-bottom:1px solid var(--line)}
.docpage__bar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:72px}
.docpage__bar img{width:120px;height:auto}
.docpage__bar .btn{min-height:44px;padding:0 18px;font-size:14px}
.docpage__main{padding-top:40px;padding-bottom:80px}
.docpage__back{display:inline-block;margin-bottom:24px;color:var(--navy);font-weight:600;text-decoration:none}
.docpage__foot{background:var(--ink);color:var(--on-navy);padding:28px 0;font-size:14px}
.docpage__foot a{color:var(--gold-lt)}

/* ---- Cabinas de las aseguradoras (pie) ---- */
.cabinas{margin-top:clamp(40px,5vw,64px);padding-top:28px;border-top:1px solid rgba(231,201,137,.14)}
.cabinas__t{margin:0 0 18px;font-size:14px;color:var(--on-navy);display:flex;flex-wrap:wrap;gap:6px 14px;align-items:baseline}
.cabinas__t .micro{color:var(--gold-lt)}
.cabinas ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:4px 24px}
.cabinas a{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px dashed rgba(231,201,137,.12);text-decoration:none;font-size:13.5px;transition:color .2s}
.cabinas a span{color:rgba(199,205,212,.75)}
.cabinas a b{font-weight:500;color:var(--on-navy-2);font-variant-numeric:tabular-nums;white-space:nowrap}
.cabinas a:hover b,.cabinas a:hover span{color:var(--gold-lt)}
.cita form{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
@media (max-width:560px){.cita form{grid-template-columns:minmax(0,1fr)}}
:where(button).btn-line{background-color:transparent}
.chips input:disabled + span{opacity:.38;text-decoration:line-through;border-style:dashed}
.chips label:has(input:disabled){cursor:not-allowed}
.chips label:has(input:disabled):hover span{border-color:#CFC8B8}