:root {
  --ink: #1f2933;
  --muted: #52606d;
  --line: #d6e2ea;
  --surface: #f7fafc;
  --surface-deep: #eaf2f8;
  --brand: #0f3d66;
  --brand-dark: #0f3d66;
  --brand-interactive: #1f5f99;
  --accent: #1f5f99;
  --accent-on-dark: #9fd3f3;
  --whatsapp: #128c4a;
  --whatsapp-dark: #096132;
  --white: #ffffff;
  --radius: 18px;
  --shadow: 0 18px 45px rgba(15, 61, 102, .1);
  --container: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 100px; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Arial, Helvetica, sans-serif; line-height: 1.6; -webkit-font-smoothing: antialiased; }
body.menu-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
.container { width: min(100% - 2rem, var(--container)); margin-inline: auto; }
.skip-link { position: fixed; z-index: 1000; top: .5rem; left: .5rem; padding: .75rem 1rem; color: var(--white); background: var(--brand-dark); transform: translateY(-150%); }
.skip-link:focus { transform: translateY(0); }

.site-header { position: fixed; z-index: 100; inset: 0 0 auto; background: rgba(255,255,255,.96); border-bottom: 1px solid transparent; transition: border-color .2s ease, box-shadow .2s ease; }
.site-header.is-scrolled { border-color: var(--line); box-shadow: 0 8px 30px rgba(15,61,102,.08); }
.header-inner { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display: inline-flex; align-items: center; min-width: 0; color: var(--brand); text-decoration: none; }
.brand picture { display: block; }
.brand-logo { width: auto; height: 54px; object-fit: contain; }
.brand-fallback { display: none; font-size: 1.15rem; font-weight: 800; letter-spacing: -.025em; }
.brand-fallback.is-visible { display: inline; }
.menu-toggle { width: 44px; height: 44px; padding: 10px; display: grid; align-content: center; gap: 5px; border: 0; border-radius: 10px; background: var(--surface); cursor: pointer; }
.menu-toggle span { width: 24px; height: 2px; background: var(--ink); transition: transform .2s ease, opacity .2s ease; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.main-nav { position: fixed; inset: 80px 0 auto; display: none; padding: 1rem; background: var(--white); border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
.main-nav.is-open { display: grid; }
.main-nav > a { padding: .85rem 0; color: var(--ink); font-size: .96rem; font-weight: 700; text-decoration: none; }
.main-nav > a:not(.button):hover,
.main-nav > a:not(.button):active { color: var(--brand-interactive); }
.main-nav .nav-cta { margin-top: .5rem; padding-inline: 1rem; color: var(--white); }

.button { min-height: 48px; padding: .78rem 1.2rem; display: inline-flex; align-items: center; justify-content: center; border: 1px solid transparent; border-radius: 10px; font-size: .95rem; font-weight: 800; line-height: 1.2; text-align: center; text-decoration: none; transition: background .2s ease, color .2s ease, border-color .2s ease, transform .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-whatsapp { color: var(--white); background: var(--whatsapp-dark); }
.button-whatsapp:hover { background: #064a27; }
.button-secondary { color: var(--brand); background: transparent; border-color: var(--brand); }
.button-secondary:hover { color: var(--white); background: var(--brand-interactive); border-color: var(--brand-interactive); }
.button-large { min-height: 56px; padding-inline: 1.5rem; }

.hero { padding: 7.25rem 0 4rem; overflow: hidden; background: linear-gradient(135deg, var(--surface-deep) 0%, var(--white) 64%); }
.hero-grid { display: grid; gap: 2.5rem; }
.eyebrow { margin: 0 0 .8rem; color: var(--brand); font-size: .76rem; font-weight: 800; letter-spacing: .12em; line-height: 1.3; text-transform: uppercase; }
h1, h2, h3, p { overflow-wrap: break-word; }
h1, h2, h3 { margin-top: 0; line-height: 1.12; letter-spacing: -.035em; }
h1 { max-width: 760px; margin-bottom: 1.25rem; font-size: clamp(2.25rem, 7vw, 4rem); }
h2 { margin-bottom: 1rem; font-size: clamp(2rem, 7vw, 3.3rem); }
h3 { margin-bottom: .65rem; font-size: 1.18rem; }
p { margin-top: 0; }
.hero-description { max-width: 680px; margin-bottom: 1.7rem; color: var(--muted); font-size: 1.08rem; }
.hero-claim { margin: -.35rem 0 .75rem; color: var(--brand); font-size: clamp(1.15rem, 3vw, 1.45rem); font-weight: 800; letter-spacing: -.02em; }
.hero-actions { display: grid; gap: .75rem; }
.whatsapp-notice { margin: 1rem 0 0; padding: .75rem 1rem; max-width: 620px; color: var(--brand); background: var(--surface-deep); border: 1px solid #b8cee0; border-radius: 8px; font-size: .86rem; }
.trust-list { margin: 1.8rem 0 0; padding: 0; display: grid; gap: .75rem; color: var(--muted); list-style: none; font-size: .9rem; font-weight: 700; }
.trust-list li { display: flex; align-items: center; gap: .55rem; }
.trust-list li::before { content: ""; width: 8px; height: 8px; flex: 0 0 8px; border-radius: 50%; background: var(--accent); }
.hero-panel { position: relative; padding: 1.5rem; color: var(--white); background: var(--brand-dark); border-radius: 24px; box-shadow: var(--shadow); }
.hero-panel::after { content: ""; position: absolute; right: -55px; top: -55px; width: 170px; height: 170px; border: 1px solid rgba(255,255,255,.12); border-radius: 50%; }
.shield-mark { width: 58px; margin-bottom: 2.4rem; }
.shield-mark svg { fill: none; stroke: var(--accent-on-dark); stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.panel-kicker { margin-bottom: .5rem; font-size: 1.3rem; font-weight: 800; letter-spacing: -.025em; }
.hero-panel > p:not(.panel-kicker) { color: #dbeaf5; }
.panel-detail { padding: .8rem 0; display: flex; align-items: center; gap: .9rem; border-top: 1px solid rgba(255,255,255,.14); }
.panel-detail span { color: var(--accent-on-dark); font-size: .75rem; font-weight: 800; }
.panel-detail p { margin: 0; font-weight: 700; }

.section { padding: 4.5rem 0; }
.section-heading { max-width: 740px; margin-bottom: 2.25rem; }
.section-heading > p:last-child, .benefits-intro, .faq-grid > div:first-child > p:last-child { color: var(--muted); }
.section-heading.narrow { max-width: 720px; }
.service-grid { display: grid; gap: 1rem; }
.service-card { min-height: 270px; padding: 1.4rem; display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease; }
.service-card:hover { transform: translateY(-4px); border-color: #8fb3d1; box-shadow: var(--shadow); }
.service-icon { width: 50px; height: 50px; margin-bottom: 1.5rem; padding: 11px; color: var(--brand); background: var(--surface-deep); border-radius: 12px; }
.service-icon svg, .location-icon svg { fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.service-card p { color: var(--muted); font-size: .94rem; }
.service-card a { margin-top: auto; color: var(--brand); font-weight: 800; text-decoration: none; }
.service-card a span { margin-left: .25rem; }

.process { background: var(--surface); }
.process-grid { margin: 0; padding: 0; display: grid; gap: 1rem; list-style: none; counter-reset: process; }
.process-grid li { padding: 1.4rem; display: grid; grid-template-columns: auto 1fr; gap: 1rem; background: var(--white); border-radius: var(--radius); }
.process-grid li > span { color: var(--accent); font-size: .85rem; font-weight: 800; }
.process-grid p { margin: 0; color: var(--muted); }
.benefits-grid { display: grid; gap: 2.25rem; }
.benefit-list { margin: 0; padding: 0; display: grid; gap: .8rem; list-style: none; }
.benefit-list li { padding: 1rem 1rem 1rem 3rem; position: relative; background: var(--surface); border-radius: 12px; font-weight: 700; }
.benefit-list li::before { content: "✓"; position: absolute; top: .95rem; left: 1rem; width: 24px; height: 24px; display: grid; place-items: center; color: var(--white); background: var(--brand); border-radius: 50%; font-size: .75rem; }

.insurers { background: var(--surface); }
.insurer-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem; }
.insurer-grid div { min-height: 86px; padding: .75rem; display: grid; place-items: center; color: var(--ink); background: var(--white); border: 1px solid var(--line); border-radius: 12px; font-weight: 800; text-align: center; }
.section-note { max-width: 700px; margin: 1.5rem 0 0; color: var(--muted); font-size: .86rem; }
.local-section { padding: 3rem 0; color: var(--white); background: var(--brand); }
.local-inner { display: grid; gap: 1.2rem; }
.local-inner .eyebrow { color: #dbeaf5; }
.local-inner h2 { font-size: clamp(1.8rem, 7vw, 2.6rem); }
.local-inner p:last-child { margin: 0; color: #dbeaf5; }
.location-icon { width: 56px; color: var(--accent-on-dark); }

.faq-grid { display: grid; gap: 2rem; }
.accordion-list { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary { padding: 1.2rem 2.5rem 1.2rem 0; position: relative; cursor: pointer; font-weight: 800; list-style: none; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: .25rem; top: 1.05rem; color: var(--brand); font-size: 1.5rem; font-weight: 400; }
details[open] summary::after { content: "−"; }
details p { padding: 0 2rem 1.2rem 0; color: var(--muted); }
.final-cta { padding: 4rem 0; color: var(--white); background: var(--brand-dark); }
.final-cta .eyebrow { color: var(--accent-on-dark); }
.final-cta h2 { margin-bottom: .65rem; }
.final-cta p:not(.eyebrow) { color: #dbeaf5; }
.final-cta-inner { display: grid; gap: 1.5rem; align-items: center; }

.site-footer { padding: 3.5rem 0 1.2rem; color: #d6e2ea; background: var(--ink); }
.footer-grid { display: grid; gap: 2rem; }
.footer-brand { margin-bottom: .7rem; color: var(--white); font-size: 1.25rem; font-weight: 800; }
.footer-title { margin-bottom: .7rem; color: var(--white); font-weight: 800; }
.footer-address { margin-bottom: .4rem; color: #d6e2ea; font-size: .9rem; line-height: 1.55; }
.footer-address strong { color: var(--white); }
.footer-map-link { margin-bottom: .9rem; display: inline-block; font-size: .86rem; text-underline-offset: 3px; }
.footer-contact { margin-bottom: .35rem; color: #d6e2ea; font-size: .9rem; }
.footer-contact span { color: var(--white); font-weight: 700; }
.footer-contact a { color: #b8d4e8; text-underline-offset: 3px; }
.footer-contact a:hover { color: var(--white); }
.site-footer address { font-style: normal; }
.site-footer a { color: #b8d4e8; }
.footer-bottom { margin-top: 2.5rem; padding-top: 1.2rem; border-top: 1px solid rgba(255,255,255,.12); font-size: .82rem; }
.footer-bottom p { margin: 0; }
.floating-whatsapp { position: fixed; z-index: 90; right: 1rem; bottom: 1rem; width: 54px; height: 54px; padding: 13px; color: var(--white); background: var(--whatsapp); border-radius: 50%; box-shadow: 0 10px 30px rgba(8,82,41,.25); }
.floating-whatsapp svg { fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.floating-whatsapp[hidden] { display: none; }

:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }
@media (min-width: 560px) {
  .hero-actions { display: flex; flex-wrap: wrap; }
  .trust-list { grid-template-columns: repeat(3, auto); gap: 1.1rem; }
  .service-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .insurer-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 820px) {
  .container { width: min(100% - 3rem, var(--container)); }
  .section { padding: 6.5rem 0; }
  .hero { padding: 9.5rem 0 6rem; }
  .hero-grid { grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr); align-items: center; gap: 4rem; }
  .hero-panel { padding: 2.25rem; }
  .process-grid { grid-template-columns: repeat(3, 1fr); }
  .process-grid li { min-height: 230px; grid-template-columns: 1fr; align-content: start; padding: 1.8rem; }
  .benefits-grid { grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
  .local-inner { grid-template-columns: auto 1fr; align-items: center; gap: 2rem; }
  .faq-grid { grid-template-columns: .78fr 1.22fr; gap: 5rem; }
  .final-cta-inner { grid-template-columns: 1fr auto; gap: 3rem; }
  .footer-grid { grid-template-columns: 1.5fr repeat(3, 1fr); }
}
@media (min-width: 1020px) {
  .header-inner { min-height: 94px; }
  .brand-logo { height: 68px; }
  .menu-toggle { display: none; }
  .main-nav { position: static; padding: 0; display: flex; align-items: center; gap: 1.25rem; border: 0; box-shadow: none; }
  .main-nav > a { padding: .5rem 0; font-size: .83rem; }
  .main-nav > a:not(.button):hover,
  .main-nav > a:not(.button):active { color: var(--brand-interactive); }
  .main-nav .nav-cta { margin: 0 0 0 .25rem; padding: .72rem 1rem; }
  .service-grid { grid-template-columns: repeat(6, minmax(0, 1fr)); }
  .service-card { grid-column: span 2; }
  .service-card:nth-child(4) { grid-column: 2 / span 2; }
  .insurer-grid { grid-template-columns: repeat(7, minmax(0, 1fr)); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
}