/* ==========================================================================
   B&C Abogados y Notarios — hoja de estilos única
   ========================================================================== */

/* ---------- Tipografías (servidas desde el propio sitio) ---------------- */

@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url('assets/fonts/dm-sans-normal.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: normal;
  font-weight: 500 700;
  font-display: swap;
  src: url('assets/fonts/playfair-display-normal.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: italic;
  font-weight: 500 700;
  font-display: swap;
  src: url('assets/fonts/playfair-display-italic.woff2') format('woff2');
}

:root {
  --navy: #071d37;
  --navy-mid: #0b2a50;
  --navy-soft: #112843;
  --gold: #d5b46b;          /* dorado sobre fondos oscuros */
  --gold-dark: #a47b3c;     /* dorado para títulos grandes sobre fondo claro (≥ 3:1) */
  --gold-ink: #86672f;      /* dorado para texto pequeño sobre fondo claro (≥ 4.5:1) */
  --cream: #f4f7fa;
  --pearl: #f5f5f7;
  --line: #dce3eb;
  --muted: #56667d;
  --white: #fff;
  --shell: min(1160px, calc(100% - 32px));
  --pad: 6.8vw;
  --ease: cubic-bezier(.2, .75, .25, 1);

  /* Glifo de WhatsApp usado como máscara en los enlaces de contacto. */
  --wa-icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M16.6 14c-.2-.1-1.5-.7-1.7-.8-.2-.1-.4-.1-.6.1-.2.2-.6.8-.8 1-.1.2-.3.2-.5.1-.7-.3-1.4-.7-2-1.2-.5-.5-1-1.1-1.4-1.7-.1-.2 0-.4.1-.5.1-.1.2-.3.4-.4.1-.1.2-.3.2-.4.1-.1.1-.3 0-.4-.1-.1-.6-1.3-.8-1.8-.1-.7-.3-.7-.5-.7h-.5c-.2 0-.5.2-.6.3-.6.6-.9 1.3-.9 2.1.1.9.4 1.8 1 2.6 1.1 1.6 2.5 2.9 4.2 3.7.5.2.9.4 1.4.5.5.2 1 .2 1.6.1.7-.1 1.3-.6 1.7-1.2.2-.4.2-.8.1-1.2l-.4-.2m2.5-9.1C15.2 1 8.9 1 5 4.9c-3.2 3.2-3.8 8.1-1.6 12L2 22l5.3-1.4c1.5.8 3.1 1.2 4.7 1.2 5.5 0 9.9-4.4 9.9-9.9.1-2.6-1-5.1-2.8-7m-2.7 14c-1.3.8-2.8 1.3-4.4 1.3-1.5 0-2.9-.4-4.2-1.1l-.3-.2-3.1.8.8-3-.2-.3c-2.4-4-1.2-9 2.7-11.5S16.6 3.7 19 7.5c2.4 3.9 1.3 8.9-2.6 11.4'/%3E%3C/svg%3E");
  --tel-icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.6 10.8c1.4 2.8 3.8 5.1 6.6 6.6l2.2-2.2c.3-.3.7-.4 1-.2 1.1.4 2.3.6 3.6.6.6 0 1 .4 1 1V20c0 .6-.4 1-1 1C10.6 21 3 13.4 3 4c0-.6.4-1 1-1h3.5c.6 0 1 .4 1 1 0 1.3.2 2.5.6 3.6.1.3 0 .7-.2 1l-2.3 2.2z'/%3E%3C/svg%3E");
}

* { box-sizing: border-box }
html { scroll-behavior: smooth }

body {
  margin: 0;
  background: var(--white);
  color: var(--navy);
  font-family: 'DM Sans', system-ui, sans-serif;
  letter-spacing: -.01em;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100% }
em { color: var(--gold-dark); font-weight: 500; font-style: italic }
h1, h2 { font-family: 'Playfair Display', Georgia, serif; font-weight: 500; margin: 0 }

/* ---------- Accesibilidad ------------------------------------------------ */

.skip-link {
  position: absolute;
  left: 16px;
  top: -60px;
  z-index: 100;
  padding: 12px 18px;
  border-radius: 10px;
  background: var(--navy);
  color: #fff;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: top .2s ease;
}
.skip-link:focus { top: 16px }

:focus { outline: none }
:focus-visible {
  outline: 2px solid var(--gold-dark);
  outline-offset: 3px;
  border-radius: 6px;
}
.contact :focus-visible,
.contact-strip :focus-visible,
.insurers :focus-visible,
.h-insurance :focus-visible,
footer :focus-visible { outline-color: var(--gold) }
.contact-form input:focus-visible,
.contact-form select:focus-visible,
.contact-form textarea:focus-visible { outline-offset: 6px }

/* ---------- Cabecera ---------------------------------------------------- */

/* La cabecera queda fija y se compacta al hacer scroll (script.js añade
   .is-scrolled), así el menú está siempre a mano. */
.site-header {
  position: fixed;
  top: 18px;
  left: 50%;
  transform: translateX(-50%);
  width: var(--shell);
  height: 64px;
  padding: 0 18px;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border: 1px solid rgba(255, 255, 255, .44);
  border-radius: 18px;
  background: rgba(255, 255, 255, .72);
  backdrop-filter: blur(20px) saturate(160%);
  -webkit-backdrop-filter: blur(20px) saturate(160%);
  box-shadow: 0 8px 30px rgba(7, 29, 55, .08);
  transition: top .35s var(--ease), height .35s var(--ease), background .35s ease, box-shadow .35s ease;
}
.site-header.is-scrolled {
  top: 8px;
  height: 56px;
  background: rgba(255, 255, 255, .9);
  border-color: rgba(220, 227, 235, .8);
  box-shadow: 0 12px 34px rgba(7, 29, 55, .13);
}

.inner-header { background: rgba(255, 255, 255, .9) }

.brand { display: block; height: 44px }
.brand img { width: 114px; height: 44px; object-fit: contain; display: block }

.nav { display: flex; align-items: center; gap: 25px }
.nav a { color: var(--navy-soft); text-decoration: none; font-size: 12px; font-weight: 600 }
.nav a:hover { color: var(--gold-ink) }

.nav-contact {
  padding: 10px 15px;
  border-radius: 10px;
  background: var(--navy);
  color: #fff !important;
}
.nav-contact:hover { background: var(--navy-mid) }

.nav-extra { display: none }

/* Desplegable de áreas: se abre con el cursor o con el botón de la flecha
   (teclado y pantallas táctiles). */
.nav-group { position: relative; display: flex; align-items: center; gap: 2px }
.submenu-toggle {
  width: 24px;
  height: 24px;
  padding: 0;
  border: 0;
  background: none;
  color: var(--navy-soft);
  cursor: pointer;
  display: grid;
  place-items: center;
}
.submenu-toggle:before {
  content: '';
  width: 6px;
  height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  transition: transform .3s var(--ease);
}
.nav-group.open .submenu-toggle:before { transform: translateY(1px) rotate(-135deg) }

.submenu {
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  width: 540px;
  padding: 10px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 24px 60px rgba(7, 29, 55, .16);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, 8px);
  transition: opacity .25s ease, transform .35s var(--ease), visibility 0s linear .35s;
}
/* Puente invisible para que el cursor no "caiga" entre el enlace y el menú. */
.submenu:before { content: ''; position: absolute; left: 0; right: 0; top: -22px; height: 22px }
.nav-group.open .submenu { opacity: 1; visibility: visible; transform: translate(-50%, 0); transition-delay: 0s }
@media (hover: hover) and (min-width: 801px) {
  .nav-group:hover .submenu { opacity: 1; visibility: visible; transform: translate(-50%, 0); transition-delay: 0s }
  .nav-group:hover .submenu-toggle:before { transform: translateY(1px) rotate(-135deg) }
}
.nav .submenu a { display: grid; gap: 3px; padding: 12px 14px; border-radius: 12px; transition: background .2s ease }
.nav .submenu a:hover,
.nav .submenu a[aria-current] { background: var(--pearl) }
.submenu b { font: 500 16px 'Playfair Display', serif; color: var(--navy); letter-spacing: -.01em }
.submenu span { font-size: 12px; font-weight: 500; color: var(--muted) }
.nav .submenu .submenu-all {
  grid-column: 1 / -1;
  margin-top: 6px;
  padding: 14px;
  border-top: 1px solid var(--line);
  border-radius: 0 0 12px 12px;
  color: var(--gold-ink);
  font-size: 13px;
}

.menu-toggle { display: none }

/* ---------- Botones y enlaces ------------------------------------------- */

.button {
  border: 0;
  border-radius: 12px;
  cursor: pointer;
  text-decoration: none;
  font: 600 13px 'DM Sans', sans-serif;
  padding: 16px 20px;
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  transition: transform .3s ease, box-shadow .3s ease;
}
.button:hover { transform: translateY(-3px); box-shadow: 0 12px 22px rgba(7, 29, 55, .19) }
.button span { font-size: 19px; font-weight: 400 }

.button-primary { background: var(--navy); color: var(--white); box-shadow: inset 0 -2px 0 rgba(213, 180, 107, .75) }
.button-gold { background: var(--gold); color: var(--navy) }

/* Botón redondeado tipo "píldora" de la portada */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 24px;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  font: 600 15px 'DM Sans', sans-serif;
  text-decoration: none;
  transition: background .25s ease, transform .25s ease;
}
.pill:hover { background: var(--navy-mid); transform: scale(1.03) }
.pill-gold { background: var(--gold); color: var(--navy) }
.pill-gold:hover { background: #e0c485 }

.text-link {
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  border-bottom: 1px solid #b3bdb8;
  padding-bottom: 7px;
}
.text-link span { color: var(--gold-dark); font-size: 17px; margin-left: 13px }

/* Enlace de texto con chevron, como en apple.com */
.chev-link {
  color: var(--gold-ink);
  font-size: 16px;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
}
.chev-link:after { content: ' ›'; font-size: 1.15em }
.chev-link:hover { text-decoration: underline }
.on-dark .chev-link, .chev-link.light { color: var(--gold) }

.eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 19px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold-ink);
}
.eyebrow i { display: block; width: 28px; height: 1px; background: currentColor }
.eyebrow:after { content: '◆'; font-size: 8px; color: var(--gold-dark) }
.eyebrow.light { color: var(--gold) }
.eyebrow.light:after { color: var(--gold) }

.section { padding: 120px var(--pad) }

/* ==========================================================================
   PORTADA
   ========================================================================== */

/* ---------- Hero: titular centrado + foto que se expande al hacer scroll -- */

.h-hero {
  padding: 170px var(--pad) 0;
  text-align: center;
  background: linear-gradient(180deg, #fbfbfd 0%, #fff 70%);
  overflow: hidden;
}
.h-hero .eyebrow { justify-content: center }
.h-hero h1 {
  font-size: clamp(46px, 7.4vw, 104px);
  line-height: .98;
  letter-spacing: -.055em;
  max-width: 13ch;
  margin: 0 auto;
}
.h-hero-sub {
  font-size: clamp(18px, 1.7vw, 23px);
  line-height: 1.45;
  color: var(--muted);
  max-width: 34ch;
  margin: 26px auto 34px;
}
.h-hero-cta { display: flex; justify-content: center; align-items: center; gap: 30px; flex-wrap: wrap }

/* Accesos directos a cada área, visibles desde la primera pantalla */
.quick-areas { max-width: 860px; margin: 42px auto 0 }
.quick-areas p { margin: 0 0 14px; font-size: 13px; font-weight: 600; letter-spacing: .3px; color: var(--muted) }
.quick-areas div { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px }
.quick-areas a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 18px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  color: var(--navy);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: border-color .25s ease, background .25s ease, transform .3s var(--ease), box-shadow .3s ease;
}
.quick-areas a:hover {
  border-color: var(--gold);
  background: #fffaf0;
  transform: translateY(-2px);
  box-shadow: 0 8px 18px rgba(7, 29, 55, .08);
}

/* --p lo actualiza script.js entre 0 y 1 según el scroll */
.h-hero-media {
  --p: 0;
  margin: 56px auto 0;
  width: calc(76% + 24% * var(--p));
  max-width: 1500px;
  aspect-ratio: 16 / 8;
  border-radius: calc(34px - 34px * var(--p));
  overflow: hidden;
  box-shadow: 0 40px 80px rgba(7, 29, 55, .16);
}
.h-hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transform: scale(calc(1.12 - .12 * var(--p)));
}

/* ---------- Declaración: las palabras se iluminan con el scroll ---------- */

.h-statement {
  padding: 150px var(--pad);
  background: #fff;
}
.h-statement p {
  margin: 0 auto;
  max-width: 22ch;
  font: 500 clamp(32px, 4.6vw, 64px)/1.14 'Playfair Display', Georgia, serif;
  letter-spacing: -.04em;
  text-align: center;
}
.h-statement .word { transition: opacity .25s linear, color .25s linear }
.js-reveal .h-statement .word { opacity: .16 }
.js-reveal .h-statement .word.lit { opacity: 1 }
.h-statement em .word { color: var(--gold-dark) }

/* ---------- Encabezado de sección de portada ----------------------------- */

.h-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 38px;
}
.h-head h2 { font-size: clamp(36px, 4.4vw, 60px); line-height: 1.04; letter-spacing: -.05em }
.h-head p { margin: 12px 0 0; font-size: 18px; color: var(--muted); max-width: 44ch }

/* Línea dorada bajo los títulos de sección: se dibuja al aparecer. */
.h-head h2:after {
  content: '';
  display: block;
  width: 64px;
  height: 2px;
  margin-top: 18px;
  border-radius: 2px;
  background: var(--gold);
  transition: width 1.1s var(--ease) .35s;
}
.js-reveal .h-head.reveal-section:not(.is-visible) h2:after,
.js-reveal .reveal-section:not(.is-visible) > .h-head h2:after { width: 0 }

/* ---------- Áreas: cuadrícula ------------------------------------------- */

.h-areas { padding: 110px var(--pad) 120px; background: var(--pearl) }

.area-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px }

.area-card {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: 24px;
  overflow: hidden;
  color: #fff;
  text-decoration: none;
  box-shadow: 0 10px 30px rgba(7, 29, 55, .1);
  transition: transform .5s var(--ease), box-shadow .5s var(--ease);
}
.area-card:hover { transform: translateY(-6px); box-shadow: 0 24px 50px rgba(7, 29, 55, .22) }
.area-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .9s var(--ease);
}
.area-card:hover img { transform: scale(1.06) }
.area-card:after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(7, 29, 55, .78) 0%, rgba(7, 29, 55, .1) 45%, rgba(7, 29, 55, .55) 100%);
}
.area-card div { position: absolute; z-index: 1; inset: 0; padding: 24px; display: flex; flex-direction: column }
.area-card b { font-size: 11px; letter-spacing: 1.6px; text-transform: uppercase; color: var(--gold) }
.area-card h3 { font: 500 clamp(22px, 2vw, 28px)/1.1 'Playfair Display', serif; letter-spacing: -.03em; margin: 10px 0 8px }
.area-card p { font-size: 15px; line-height: 1.45; margin: 0; color: rgba(255, 255, 255, .86) }
.area-card .plus {
  margin-top: auto;
  align-self: flex-end;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: rgba(255, 255, 255, .18);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  font-size: 22px;
  transition: background .3s ease;
}
.area-card:hover .plus { background: var(--gold); color: var(--navy) }

/* Octava casilla: invitación a consultar para quien no sabe qué área necesita */
.area-card-cta {
  background:
    radial-gradient(circle at 85% 0%, rgba(213, 180, 107, .32), transparent 55%),
    linear-gradient(160deg, var(--navy-mid), var(--navy));
}
.area-card-cta:after { display: none }
.area-card-cta h3 { font-size: clamp(26px, 2.4vw, 34px) }

/* ---------- Cómo trabajamos --------------------------------------------- */

.h-process { padding: 120px var(--pad); background: var(--pearl) }
.h-process .steps { margin-top: 12px }

/* ---------- Valores ----------------------------------------------------- */

.h-values { padding: 130px var(--pad); background: #fff }
.h-values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4vw;
  max-width: 1100px;
  margin: 0 auto;
}
.h-values-grid > div { text-align: center }
.h-values-grid span {
  display: inline-grid;
  place-items: center;
  width: 64px;
  height: 64px;
  margin-bottom: 22px;
  border-radius: 50%;
  background: var(--pearl);
  color: var(--gold-dark);
  font: italic 500 26px 'Playfair Display', serif;
}
.h-values-grid h3 { font: 500 clamp(28px, 2.6vw, 36px) 'Playfair Display', serif; letter-spacing: -.03em; margin: 0 0 10px }
.h-values-grid p { font-size: 17px; line-height: 1.55; color: var(--muted); margin: 0 auto; max-width: 28ch }

/* ---------- Seguros: panel oscuro ---------------------------------------- */

.h-insurance { padding: 0 var(--pad) 120px; background: #fff }
.h-insurance-panel {
  border-radius: 34px;
  overflow: hidden;
  padding: 90px 0 70px;
  text-align: center;
  color: #fff;
  background:
    radial-gradient(circle at 50% 0%, rgba(213, 180, 107, .22), transparent 45%),
    linear-gradient(180deg, var(--navy-mid), var(--navy));
}
.h-insurance-panel .eyebrow { justify-content: center }
.h-insurance-panel h2 { font-size: clamp(36px, 4.6vw, 64px); line-height: 1.04; letter-spacing: -.05em; padding: 0 6vw }
.h-insurance-panel em { color: var(--gold) }
.h-insurance-panel > p { font-size: 19px; line-height: 1.5; color: #c6d3e1; max-width: 40ch; margin: 22px auto 30px; padding: 0 6vw }
.h-insurance-links { display: flex; justify-content: center; align-items: center; gap: 28px; flex-wrap: wrap; margin-bottom: 56px }
.h-insurance-panel .insurer-marquee { --logo-w: 180px; --logo-gap: 14px }

/* ---------- Artículos en portada ---------------------------------------- */

.h-articles { padding: 20px var(--pad) 130px; background: #fff }
.h-article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px }
.h-article {
  display: block;
  border-radius: 24px;
  overflow: hidden;
  background: var(--pearl);
  color: var(--navy);
  text-decoration: none;
  transition: transform .45s var(--ease), box-shadow .45s var(--ease);
}
.h-article:hover { transform: translateY(-6px); box-shadow: 0 22px 44px rgba(7, 29, 55, .12) }
.h-article img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; display: block }
.h-article div { padding: 24px 26px 30px }
.h-article b { font-size: 11px; letter-spacing: 1.4px; text-transform: uppercase; color: var(--gold-ink) }
.h-article h3 { font: 500 23px/1.22 'Playfair Display', serif; letter-spacing: -.02em; margin: 10px 0 0 }

/* ==========================================================================
   SEGUROS Y FIANZAS (seguros.html)
   ========================================================================== */

.insurance-items { display: grid; gap: 60px; padding-top: 80px }

.insurance-item { display: grid; grid-template-columns: .85fr 1fr; gap: 5vw; align-items: center }
.insurance-item:nth-child(even) { grid-template-columns: 1fr .85fr }
.insurance-item:nth-child(even) img { order: 2 }

.insurance-item img {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: 18px;
  filter: saturate(.75);
  box-shadow: 0 20px 42px rgba(7, 29, 55, .14);
}
.insurance-item b { font-size: 11px; letter-spacing: 1px; color: var(--gold-ink) }
.insurance-item h2 { font-size: clamp(27px, 2.9vw, 40px); line-height: 1.12; letter-spacing: -.04em; margin: 12px 0 16px }
.insurance-item p { font-size: 15px; line-height: 1.8; color: var(--muted); margin: 0 }

.insurers {
  padding: 100px var(--pad);
  background: radial-gradient(circle at 15% 12%, rgba(213, 180, 107, .16), transparent 32%), var(--navy);
  color: var(--white);
}
.insurers h2 { font-size: clamp(34px, 3.8vw, 55px); line-height: 1.08; letter-spacing: -.05em }
.insurers h2 em { color: var(--gold) }
.insurers-copy { max-width: 520px; font-size: 15px; line-height: 1.75; color: #c3d0da; margin: 22px 0 48px }
.insurers .eyebrow { color: var(--gold) }
.insurers .eyebrow:after { color: var(--gold) }

/* Cintas de logos: cada .insurer-track contiene la misma lista dos veces y se
   desplaza exactamente la mitad de su ancho, así el ciclo no tiene salto.
   El padding-right de cada lista equivale al gap, para que la costura entre
   ambas copias mida lo mismo que el espacio entre logos. */
.insurer-marquees { display: grid; gap: 16px; margin: 0 calc(var(--pad) * -1) }

.insurer-marquee {
  --logo-w: 200px;
  --logo-gap: 16px;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 9%, #000 91%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 9%, #000 91%, transparent);
}
.insurer-track { display: flex; width: max-content; animation: insurer-scroll 48s linear infinite }
.insurer-marquee-reverse .insurer-track { animation-direction: reverse; animation-duration: 56s }
.insurer-marquee:hover .insurer-track { animation-play-state: paused }

.insurer-set {
  display: flex;
  gap: var(--logo-gap);
  padding: 8px var(--logo-gap) 8px 0;
  margin: 0;
  list-style: none;
}
.insurer-set li {
  flex: none;
  width: var(--logo-w);
  aspect-ratio: 240 / 88;
  overflow: hidden;
  border-radius: 12px;
  background: #fff;
  box-shadow: 0 0 0 1px rgba(213, 180, 107, .28);
  transition: transform .35s ease, box-shadow .35s ease;
}
.insurer-set li:hover { transform: translateY(-4px) scale(1.04); box-shadow: 0 0 0 1px var(--gold), 0 12px 26px rgba(0, 0, 0, .3) }
.insurer-set img { display: block; width: 100%; height: 100%; object-fit: cover }

@keyframes insurer-scroll {
  to { transform: translateX(-50%) }
}

.insurers-note { margin: 34px 0 0; font-size: 11px; line-height: 1.7; color: #9fb1c5; max-width: 620px }

/* ==========================================================================
   CONTACTO
   ========================================================================== */

.contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 11vw;
  color: var(--white);
  background: radial-gradient(circle at 18% 10%, #164476, transparent 27%), var(--navy-mid);
}
.contact h2 { font-size: clamp(38px, 4vw, 61px); line-height: 1.07; letter-spacing: -.05em }
.contact h2 em { color: var(--gold) }
.contact-copy { color: #c3d0ca; line-height: 1.7; max-width: 400px; margin: 23px 0 34px }

.contact-details { display: grid; gap: 10px }
.contact-details a { color: #f8f5ef; text-decoration: none; font: 20px 'Playfair Display', serif }
.contact-details a:hover { color: var(--gold) }
.contact-details p { font-size: 13px; line-height: 1.65; color: #cbd7e4; margin: 4px 0 13px }
.phone-label { font-size: 10px; letter-spacing: 1.4px; text-transform: uppercase; color: var(--gold); display: block; margin-top: 12px }
.contact-details .phone-label:first-child { margin-top: 0 }

.wa-link { display: flex; align-items: center; gap: 9px }
.wa-link:before {
  content: '';
  width: 15px;
  height: 15px;
  flex: none;
  background: currentColor;
  -webkit-mask: var(--wa-icon) center / contain no-repeat;
  mask: var(--wa-icon) center / contain no-repeat;
}

.schedule { border-top: 1px solid rgba(213, 180, 107, .3); padding-top: 14px }
.schedule b { color: var(--gold); font-size: 10px; letter-spacing: 1.4px; text-transform: uppercase; font-weight: 700 }

/* El mapa no se carga hasta que el visitante lo pide: el iframe de Google
   arrastra el rendimiento y deja rastreadores de terceros. */
.map-card {
  position: relative;
  display: block;
  overflow: hidden;
  height: 165px;
  max-width: 390px;
  border-radius: 14px;
  background: #173e6c url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d5b46b' stroke-width='1.2'%3E%3Cpath d='M12 21s7-6.3 7-11a7 7 0 1 0-14 0c0 4.7 7 11 7 11z'/%3E%3Ccircle cx='12' cy='10' r='2.4'/%3E%3C/svg%3E") center 38% / 46px no-repeat;
  color: #fff;
  text-decoration: none;
  border: 0;
  cursor: pointer;
  width: 100%;
  padding: 0;
  text-align: left;
  font: inherit;
}
.map-card iframe { border: 0; width: 100%; height: 100%; filter: grayscale(1) contrast(.9) brightness(.7); display: block }
.map-card span {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  padding: 11px 14px;
  background: rgba(7, 31, 61, .87);
  font-size: 11px;
  letter-spacing: .7px;
  text-transform: uppercase;
}
.map-card b { float: right; color: var(--gold); font-size: 16px; line-height: 10px }

.contact-form {
  display: grid;
  gap: 22px;
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, .13);
  border-radius: 20px;
  background: rgba(255, 255, 255, .055);
  backdrop-filter: blur(12px);
  box-shadow: inset 0 0 0 1px rgba(213, 180, 107, .13), 0 24px 60px rgba(0, 0, 0, .13);
}
.contact-form label { display: grid; gap: 8px; font-size: 11px; letter-spacing: 1px; text-transform: uppercase; color: var(--gold) }
.contact-form input,
.contact-form select,
.contact-form textarea {
  border: 0;
  border-bottom: 1px solid #7d95a0;
  background: transparent;
  color: #fff;
  padding: 8px 0;
  font: 14px 'DM Sans', sans-serif;
  resize: none;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus { border-bottom-color: var(--gold) }
.contact-form select { color: #e4ece8 }
.contact-form option { color: var(--navy) }
.contact-form textarea { height: 60px }
.contact-form input::placeholder,
.contact-form textarea::placeholder { color: #a9bac5 }
.contact-form .button { margin-top: 6px; justify-self: start }
.contact-form .button[disabled] { opacity: .6; cursor: progress; transform: none }

.contact-form .form-consent {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  text-transform: none;
  letter-spacing: 0;
  font-size: 12px;
  line-height: 1.6;
  color: #b9c8d8;
}
.form-consent input { flex: none; width: 15px; height: 15px; margin-top: 2px; accent-color: var(--gold) }
.form-consent a { color: var(--gold) }
.form-message { font-size: 13px; color: #dfc28f; margin: 0 }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden }

.fee-notice { border-left: 2px solid var(--gold); background: rgba(255, 255, 255, .06); padding: 13px 15px; margin-bottom: 5px }
.fee-notice b { font: 600 14px 'Playfair Display', serif; color: #f2cd8b }
.fee-notice p { font-size: 12px; line-height: 1.55; color: #cbd7e4; margin: 5px 0 0 }

.contact-strip {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 11vw;
  align-items: end;
  padding: 80px var(--pad);
  background: var(--navy-mid);
  color: #fff;
}
.contact-strip h2 { font-size: clamp(38px, 4vw, 58px); line-height: 1.07; letter-spacing: -.05em }
.contact-strip > div:last-child > p { color: #cbd7e4; line-height: 1.7; max-width: 390px; margin: 0 0 24px }

/* ==========================================================================
   ÁREAS DE PRÁCTICA
   ========================================================================== */

.page-hero,
.detail-hero {
  padding: 165px var(--pad) 80px;
  background: radial-gradient(circle at 78% 20%, rgba(213, 180, 107, .23), transparent 28%), var(--cream);
}
.page-hero h1,
.detail-hero h1 { font-size: clamp(48px, 6vw, 85px); line-height: 1.05; letter-spacing: -.06em }
.page-hero h1:after,
.detail-hero h1:after {
  content: '';
  display: block;
  width: 76px;
  height: 3px;
  margin-top: 22px;
  border-radius: 3px;
  background: var(--gold);
}
.page-hero > p:last-child { color: var(--muted); max-width: 470px; line-height: 1.7; margin: 24px 0 0 }

.area-list { padding-top: 65px }
.area-link {
  display: grid;
  grid-template-columns: 220px 1fr 42px;
  align-items: center;
  gap: 35px;
  margin: 10px 0;
  padding: 22px;
  border: 1px solid transparent;
  border-radius: 18px;
  text-decoration: none;
  color: var(--navy);
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.area-link:hover { border-color: #e0e6ec; box-shadow: 0 16px 35px rgba(7, 29, 55, .08); transform: scale(1.01) }
.area-link:hover h2 { color: var(--gold-dark) }
.area-link img { width: 220px; height: 135px; object-fit: cover; border-radius: 16px; filter: saturate(.6) }
.area-link b { font-size: 11px; color: var(--gold-ink); letter-spacing: 1px }
.area-link h2 { font-size: clamp(28px, 3vw, 43px); margin: 8px 0; transition: color .3s ease }
.area-link p { font-size: 13px; color: var(--muted); margin: 0 }
.area-link > span { font-size: 25px; color: var(--gold-dark) }

/* ---------- Página de cada área ---------------------------------------- */

.detail-hero { display: grid; grid-template-columns: 1fr .8fr; gap: 8vw; align-items: center; min-height: 515px }
.detail-hero > div { max-width: 570px }
.detail-hero img { width: 100%; height: 370px; object-fit: cover; border-radius: 16px; filter: saturate(.7); box-shadow: 0 25px 48px rgba(7, 29, 55, .17) }
.detail-hero .eyebrow { margin-bottom: 12px }
.detail-hero #area-subtitle { font-size: 17px; color: var(--muted); line-height: 1.65; margin: 24px 0 30px }
.back-link { display: inline-block; color: var(--navy); font-size: 13px; font-weight: 700; text-decoration: none; margin-bottom: 58px }
.back-link:hover { color: var(--gold-ink) }

/* Índice de la página del área: queda pegado bajo la cabecera al bajar. */
.area-subnav {
  position: sticky;
  top: 76px;
  z-index: 30;
  width: var(--shell);
  margin: -28px auto 0;
  padding: 6px;
  display: flex;
  gap: 4px;
  overflow-x: auto;
  scrollbar-width: none;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 10px 30px rgba(7, 29, 55, .08);
}
.area-subnav::-webkit-scrollbar { display: none }
.area-subnav a {
  flex: none;
  display: flex;
  align-items: center;
  min-height: 40px;
  padding: 0 16px;
  border-radius: 10px;
  color: var(--navy-soft);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  transition: background .25s ease, color .25s ease;
}
.area-subnav a:hover { background: var(--pearl) }
.area-subnav a.is-active { background: var(--navy); color: #fff }

/* Que los anclajes no queden tapados por la cabecera y el índice */
.detail-content, .detail-block { scroll-margin-top: 40px }
#preguntas { scroll-margin-top: 150px }

.detail-content { display: grid; grid-template-columns: 1fr 1fr; gap: 10vw }
.detail-content h2,
.detail-block h2 { font-size: clamp(35px, 4vw, 57px); line-height: 1.07; letter-spacing: -.05em }
.detail-copy { font-size: 16px; line-height: 1.8; color: var(--muted); margin: 0 0 28px }

.service-list { list-style: none; padding: 0; margin: 0 }
.service-list li { border-top: 1px solid var(--line); padding: 14px 0 14px 24px; font-size: 15px; line-height: 1.55; position: relative }
.service-list li:before { content: '→'; position: absolute; left: 0; color: var(--gold-dark) }

.detail-block { padding: 110px var(--pad) }
.detail-block.tinted { background: var(--pearl) }
.detail-block > header { max-width: 640px; margin-bottom: 50px }
.detail-block > header p { font-size: 17px; line-height: 1.65; color: var(--muted); margin: 18px 0 0 }

/* Cuándo nos necesita */
.when-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px }
.when-grid > div {
  padding: 26px 28px;
  border-radius: 20px;
  background: #fff;
  border: 1px solid var(--line);
  transition: transform .4s var(--ease), box-shadow .4s ease, border-color .4s ease;
}
.when-grid > div:hover {
  transform: translateY(-4px);
  border-color: rgba(213, 180, 107, .7);
  box-shadow: 0 16px 34px rgba(7, 29, 55, .08);
}
.when-grid h3 { font: 500 21px/1.25 'Playfair Display', serif; margin: 0 0 8px; letter-spacing: -.02em }
.when-grid p { font-size: 15px; line-height: 1.6; color: var(--muted); margin: 0 }

/* Proceso en pasos */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step }
.steps > div { counter-increment: step; border-top: 2px solid var(--gold); padding-top: 22px }
.steps > div:before {
  content: counter(step, decimal-leading-zero);
  display: block;
  font: italic 500 30px 'Playfair Display', serif;
  color: var(--gold-dark);
  margin-bottom: 12px;
}
.steps h3 { font: 500 21px/1.25 'Playfair Display', serif; margin: 0 0 8px; letter-spacing: -.02em }
.steps p { font-size: 15px; line-height: 1.6; color: var(--muted); margin: 0 }

/* Documentos + preguntas en dos columnas */
.docs-faq { display: grid; grid-template-columns: .9fr 1.1fr; gap: 8vw; align-items: start }
.docs-list { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 12px }
.docs-list li {
  position: relative;
  padding: 16px 18px 16px 50px;
  border-radius: 14px;
  background: #fff;
  border: 1px solid var(--line);
  font-size: 15px;
  line-height: 1.5;
}
.docs-list li:before {
  content: '';
  position: absolute;
  left: 18px;
  top: 50%;
  width: 18px;
  height: 18px;
  transform: translateY(-50%);
  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='%23071d37' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center / 11px no-repeat;
}
.docs-note { font-size: 13px; line-height: 1.6; color: var(--muted); margin: 18px 0 0 }
.docs-faq .faq-list { margin-top: 18px }

/* ==========================================================================
   PREGUNTAS FRECUENTES
   ========================================================================== */

.faq-list { max-width: 860px; margin: 0 }
.faq-item { border-bottom: 1px solid var(--line) }
.faq-item:first-of-type { border-top: 1px solid var(--line) }
.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 24px 44px 24px 0;
  position: relative;
  font: 500 19px 'Playfair Display', serif;
  color: var(--navy);
}
.faq-item summary::-webkit-details-marker { display: none }
.faq-item summary:after {
  content: '+';
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 24px;
  font-weight: 300;
  color: var(--gold-dark);
}
.faq-item[open] summary:after { content: '−' }
.faq-item summary:hover { color: var(--gold-ink) }
.faq-item p { font-size: 15px; line-height: 1.8; color: var(--muted); margin: 0 0 24px; max-width: 70ch }
.faq-group { margin-bottom: 55px }
.faq-group > h2 { font-size: clamp(24px, 2.4vw, 33px); letter-spacing: -.03em; margin-bottom: 6px }

/* ==========================================================================
   ARTÍCULOS
   ========================================================================== */

.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; padding-top: 20px }
.article-card {
  display: grid;
  gap: 0;
  text-decoration: none;
  color: var(--navy);
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease;
}
.article-card:hover { transform: translateY(-6px); box-shadow: 0 18px 38px rgba(7, 29, 55, .1) }
.article-card img { width: 100%; height: 190px; object-fit: cover; filter: saturate(.7) }
.article-card > div { padding: 22px 24px 26px }
.article-card b { font-size: 10px; letter-spacing: 1.3px; text-transform: uppercase; color: var(--gold-ink) }
.article-card h2 { font-size: 23px; line-height: 1.22; letter-spacing: -.02em; margin: 10px 0 10px }
.article-card p { font-size: 13px; line-height: 1.65; color: var(--muted); margin: 0 }

.article { max-width: 720px; margin: 0 auto; padding: 150px 6vw 90px }
.article-meta { font-size: 11px; letter-spacing: 1.3px; text-transform: uppercase; color: var(--gold-ink); margin: 0 0 16px }
.article h1 { font-size: clamp(34px, 4.4vw, 55px); line-height: 1.1; letter-spacing: -.045em }
.article-lead { font-size: 19px; line-height: 1.7; color: var(--navy-soft); margin: 26px 0 40px }
.article > img { width: 100%; height: 320px; object-fit: cover; border-radius: 18px; margin-bottom: 44px }
.article h2 { font-size: clamp(24px, 2.6vw, 32px); letter-spacing: -.03em; margin: 44px 0 16px }
.article p, .article li { font-size: 16px; line-height: 1.85; color: #3d4d63 }
.article ul, .article ol { padding-left: 22px }
.article li { margin-bottom: 10px }
.article strong { color: var(--navy) }

.article-cta {
  margin-top: 55px;
  padding: 30px 32px;
  border-radius: 18px;
  border-top: 3px solid var(--gold);
  background: var(--cream);
}
.article-cta b { font: 500 22px 'Playfair Display', serif; display: block; margin-bottom: 10px }
.article-cta p { font-size: 14px; margin: 0 0 20px }

.article-disclaimer {
  margin-top: 40px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  font-size: 12px;
  line-height: 1.7;
  color: #6b7a8e;
}

/* ==========================================================================
   TEXTO LEGAL Y 404
   ========================================================================== */

.legal { max-width: 760px; margin: 0 auto; padding: 150px 6vw 90px }
.legal h1 { font-size: clamp(34px, 4.4vw, 54px); line-height: 1.1; letter-spacing: -.045em }
.legal .updated { font-size: 12px; color: var(--muted); margin: 14px 0 44px }
.legal h2 { font-size: clamp(21px, 2.2vw, 27px); letter-spacing: -.02em; margin: 42px 0 14px }
.legal p, .legal li { font-size: 15px; line-height: 1.85; color: #3d4d63 }
.legal ul { padding-left: 22px }
.legal li { margin-bottom: 8px }
.legal a { color: var(--gold-ink) }

.not-found {
  min-height: 78vh;
  display: grid;
  place-content: center;
  text-align: center;
  padding: 150px 6vw 90px;
  background: radial-gradient(circle at 70% 25%, rgba(213, 180, 107, .2), transparent 30%), var(--cream);
}
.not-found b { font-size: 12px; letter-spacing: 3px; color: var(--gold-ink) }
.not-found h1 { font-size: clamp(40px, 5.5vw, 72px); letter-spacing: -.05em; margin: 18px 0 20px }
.not-found p { color: var(--muted); line-height: 1.7; max-width: 430px; margin: 0 auto 34px }
.hero-actions { display: flex; align-items: center; gap: 29px }

/* ---------- Botón flotante de WhatsApp ---------------------------------- */

.wa-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 40;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 18px 13px 15px;
  border-radius: 40px;
  background: #1a8f49;
  color: #fff;
  font: 600 13px 'DM Sans', sans-serif;
  text-decoration: none;
  box-shadow: 0 10px 28px rgba(7, 29, 55, .28);
  transition: transform .3s ease, box-shadow .3s ease;
}
.wa-float:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(7, 29, 55, .34) }
.wa-float:before {
  content: '';
  width: 21px;
  height: 21px;
  flex: none;
  background: currentColor;
  -webkit-mask: var(--wa-icon) center / contain no-repeat;
  mask: var(--wa-icon) center / contain no-repeat;
}

/* ---------- Barra de contacto en teléfonos ------------------------------
   Sustituye al botón flotante en pantallas pequeñas: llamar o escribir
   queda siempre a un toque. */

.mobile-bar { display: none }
.mobile-bar a {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 48px;
  border-radius: 12px;
  color: #fff;
  font: 600 15px 'DM Sans', sans-serif;
  text-decoration: none;
}
.mobile-bar a:before {
  content: '';
  width: 19px;
  height: 19px;
  flex: none;
  background: currentColor;
  -webkit-mask: var(--wa-icon) center / contain no-repeat;
  mask: var(--wa-icon) center / contain no-repeat;
}
.mobile-bar-call { background: var(--navy) }
.mobile-bar-call:before { -webkit-mask-image: var(--tel-icon) !important; mask-image: var(--tel-icon) !important }
.mobile-bar-wa { background: #1a8f49 }

/* ---------- Pie --------------------------------------------------------- */

footer {
  padding: 55px var(--pad) 30px;
  background: var(--navy);
  color: #c5d0dc;
  border-top: 1px solid rgba(213, 180, 107, .45);
}
footer a { color: #c5d0dc; text-decoration: none }
footer a:hover { color: var(--gold) }

.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1.3fr;
  gap: 5vw;
  padding-bottom: 38px;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.footer-top h3 {
  font: 600 10px 'DM Sans', sans-serif;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 16px;
}
.footer-top ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px }
.footer-top li, .footer-top p { font-size: 12px; line-height: 1.65; margin: 0 }
.footer-brand .brand { margin-bottom: 16px }
.footer-brand p { max-width: 260px; color: #a9b8c9 }

.footer-legal {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
  padding-top: 24px;
}
.footer-legal p, .footer-legal a { font-size: 11px }
.footer-legal > div { display: flex; gap: 18px }

.footer-disclaimer {
  margin: 18px 0 0;
  font-size: 10px;
  line-height: 1.7;
  color: #93a5b9;
  max-width: 780px;
}

/* ---------- Animaciones de entrada -------------------------------------
   Solo se activan cuando JS añade .js-reveal al <html>, para que la página
   siga siendo legible si el script no carga.
   ---------------------------------------------------------------------- */

.js-reveal .reveal-section > * {
  opacity: 0;
  transform: translateY(35px);
  transition: opacity .8s ease, transform .9s var(--ease);
}
.js-reveal .reveal-section > *:nth-child(2) { transition-delay: .1s }
.js-reveal .reveal-section > *:nth-child(3) { transition-delay: .2s }
.js-reveal .reveal-section > *:nth-child(4) { transition-delay: .3s }
.js-reveal .reveal-section.is-visible > * { opacity: 1; transform: none }

/* Tarjetas que entran una tras otra. Se usa una animación (y no transición)
   para que el efecto al pasar el cursor no herede el retraso. */
.js-reveal .stagger:not(.is-visible) > * { opacity: 0 }
.js-reveal .stagger.is-visible > * { animation: rise .8s var(--ease) backwards }
.stagger > :nth-child(2) { animation-delay: .07s }
.stagger > :nth-child(3) { animation-delay: .14s }
.stagger > :nth-child(4) { animation-delay: .21s }
.stagger > :nth-child(5) { animation-delay: .28s }
.stagger > :nth-child(6) { animation-delay: .35s }
.stagger > :nth-child(7) { animation-delay: .42s }
.stagger > :nth-child(8) { animation-delay: .49s }

@keyframes rise {
  from { opacity: 0; transform: translateY(32px) }
}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */

@media (max-width: 1000px) {
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px }
  .area-grid { grid-template-columns: repeat(2, 1fr); gap: 14px }
  .area-card { aspect-ratio: 4 / 3 }
  .h-article-grid { grid-template-columns: 1fr 1fr }
  .h-article-grid > :nth-child(3) { display: none }
}

@media (max-width: 800px) {
  .site-header { top: 10px; height: 56px; padding: 0 14px }
  .site-header.is-scrolled { top: 6px; height: 56px }
  .brand { height: 38px }
  .brand img { width: 95px; height: 38px }

  /* Menú móvil: las áreas se listan directamente, sin submenús. */
  .nav {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    width: 100%;
    max-height: calc(100vh - 90px);
    max-height: calc(100dvh - 90px);
    overflow-y: auto;
    padding: 10px 16px 18px;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: rgba(255, 255, 255, .98);
    box-shadow: 0 24px 50px rgba(7, 29, 55, .16);
  }
  .nav.open { display: flex }
  .nav > a,
  .nav-group > a { display: flex; align-items: center; min-height: 48px; font-size: 16px; border-bottom: 1px solid var(--line) }
  .nav-group { display: block }
  .nav-group > a { border-bottom: 0 }
  .submenu-toggle { display: none }
  .submenu {
    position: static;
    width: auto;
    padding: 0 0 12px;
    gap: 6px;
    border: 0;
    border-bottom: 1px solid var(--line);
    border-radius: 0;
    background: none;
    box-shadow: none;
    opacity: 1;
    visibility: visible;
    transform: none;
  }
  .submenu:before { display: none }
  .nav .submenu a { display: flex; align-items: center; min-height: 44px; padding: 0 12px; background: var(--pearl) }
  .submenu b { font: 600 14px 'DM Sans', sans-serif; letter-spacing: 0 }
  .submenu span, .nav .submenu .submenu-all { display: none }
  .nav .nav-contact { justify-content: center; margin-top: 14px; min-height: 48px; border-bottom: 0; font-size: 15px }
  .nav-extra { display: grid; gap: 4px; margin: 14px 0 0; text-align: center; font-size: 13px; color: var(--muted) }
  .nav .nav-extra a { font-size: 15px; color: var(--navy) }
  .menu-toggle { display: grid; gap: 6px; border: 0; background: none; padding: 12px 8px; cursor: pointer }
  .menu-toggle span { width: 24px; height: 1px; background: var(--navy); transition: transform .3s var(--ease) }
  .menu-toggle[aria-expanded="true"] span:first-child { transform: translateY(3.5px) rotate(45deg) }
  .menu-toggle[aria-expanded="true"] span:last-child { transform: translateY(-3.5px) rotate(-45deg) }

  .section { padding: 95px 6vw }

  .h-hero { padding-top: 116px }
  .h-hero-sub { margin: 20px auto 28px }
  .quick-areas { margin-top: 32px }
  .h-hero-media { width: calc(90% + 10% * var(--p)); aspect-ratio: 4 / 3; margin-top: 44px }
  .h-statement { padding: 90px 6vw }
  .h-head { flex-direction: column; align-items: flex-start }
  .h-areas { padding: 80px 6vw }
  .h-process { padding: 80px 6vw }
  .h-values { padding: 80px 6vw }
  .h-values-grid { grid-template-columns: 1fr; gap: 28px; max-width: 520px }
  .h-values-grid > div { display: grid; grid-template-columns: 52px 1fr; column-gap: 18px; text-align: left; align-items: start }
  .h-values-grid span { grid-row: span 2; width: 52px; height: 52px; margin: 0; font-size: 21px }
  .h-values-grid h3 { font-size: 25px; margin: 2px 0 4px }
  .h-values-grid p { margin: 0; max-width: none; font-size: 16px }
  .h-insurance { padding: 0 4vw 80px }
  .h-insurance-panel { padding: 60px 0 44px; border-radius: 26px }
  .h-insurance-links { margin-bottom: 40px }
  .h-insurance-panel .insurer-marquee { --logo-w: 130px; --logo-gap: 10px }
  .h-articles { padding: 10px 6vw 90px }

  .area-subnav { top: 72px; margin-top: -24px; width: calc(100% - 20px) }
  .area-subnav a { padding: 0 13px }

  /* La barra inferior reemplaza al botón flotante */
  .wa-float { display: none }
  .mobile-bar {
    position: fixed;
    left: 50%;
    width: min(480px, calc(100% - 20px));
    transform: translateX(-50%);
    bottom: 10px;
    bottom: calc(10px + env(safe-area-inset-bottom));
    z-index: 45;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    padding: 7px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: rgba(255, 255, 255, .92);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
    box-shadow: 0 12px 34px rgba(7, 29, 55, .2);
  }

  .insurance-items { gap: 45px; padding-top: 55px }
  .insurance-item,
  .insurance-item:nth-child(even) { grid-template-columns: 1fr; gap: 24px }
  .insurance-item:nth-child(even) img { order: 0 }
  .insurance-item img { height: 230px }
  .insurers { padding: 80px 6vw }
  .insurer-marquees { margin: 0 -6vw }
  .insurer-marquee { --logo-w: 170px; --logo-gap: 12px }

  .intro-grid, .contact { grid-template-columns: 1fr; gap: 45px }
  .area-link { grid-template-columns: 130px 1fr 28px; gap: 20px }
  .area-link img { width: 130px; height: 95px }
  .contact-strip, .detail-hero, .detail-content, .docs-faq { grid-template-columns: 1fr; gap: 45px }
  .detail-hero { padding-top: 110px }
  .detail-hero img { height: 260px }
  .detail-block { padding: 85px 6vw }
  .when-grid { grid-template-columns: 1fr }
  .contact-strip { padding: 70px 6vw }
  .contact { gap: 55px }
  .contact-form { gap: 18px }

  .article-grid { grid-template-columns: 1fr 1fr; gap: 24px }
  .article { padding-top: 110px }
  .article > img { height: 230px }
  .legal, .not-found { padding-top: 110px }

  footer { padding: 45px 6vw 110px }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 34px }
  .footer-brand { grid-column: 1 / -1 }
}

@media (max-width: 520px) {
  .site-header { width: calc(100% - 20px); padding: 0 13px }

  .h-hero { padding-top: 104px }
  .h-hero h1 { font-size: 42px }
  .h-hero-sub { font-size: 17px }
  .h-hero-cta { flex-direction: column; gap: 14px }
  .h-hero-cta .pill { min-height: 48px }
  .quick-areas div { gap: 8px }
  .quick-areas a { padding: 0 15px; font-size: 13.5px }

  /* Áreas como lista compacta: miniatura + texto */
  .area-grid { grid-template-columns: 1fr; gap: 10px }
  .area-card {
    aspect-ratio: auto;
    display: grid;
    grid-template-columns: 84px 1fr;
    align-items: center;
    gap: 14px;
    padding: 10px 46px 10px 10px;
    border-radius: 18px;
    background: #fff;
    color: var(--navy);
    box-shadow: 0 1px 2px rgba(7, 29, 55, .06);
  }
  .area-card:hover { transform: none; box-shadow: 0 8px 20px rgba(7, 29, 55, .1) }
  .area-card:after { display: none }
  .area-card img { position: static; width: 84px; height: 84px; border-radius: 12px }
  .area-card div { position: static; padding: 0 }
  .area-card b { color: var(--gold-ink); font-size: 10px }
  .area-card h3 { font-size: 19px; margin: 4px 0 3px }
  .area-card p { font-size: 13px; color: var(--muted) }
  .area-card .plus {
    position: absolute;
    right: 12px;
    top: 50%;
    width: 28px;
    height: 28px;
    margin: -14px 0 0;
    background: var(--pearl);
    font-size: 18px;
  }
  .area-card.area-card-cta {
    grid-template-columns: 1fr;
    padding: 20px 52px 20px 20px;
    color: #fff;
    background:
      radial-gradient(circle at 85% 0%, rgba(213, 180, 107, .32), transparent 55%),
      linear-gradient(160deg, var(--navy-mid), var(--navy));
  }
  .area-card-cta b { color: var(--gold) }
  .area-card-cta h3 { font-size: 23px }
  .area-card-cta p { color: rgba(255, 255, 255, .82) }
  .area-card-cta .plus { background: rgba(255, 255, 255, .16) }

  .h-article-grid { grid-template-columns: 1fr }
  .h-article-grid > :nth-child(3) { display: block }

  .steps { grid-template-columns: 1fr }
  .insurer-marquee { --logo-w: 140px; --logo-gap: 10px }
  .h-insurance-panel .insurer-marquee { --logo-w: 112px; --logo-gap: 8px }
  .h-insurance-panel h2 { font-size: 34px }
  .h-insurance-panel > p { font-size: 17px }
  .insurer-track { animation-duration: 36s }
  .insurer-marquee-reverse .insurer-track { animation-duration: 42s }
  .insurance-item img { height: 190px }
  .contact h2 { font-size: 41px }
  .contact-form { padding: 20px }

  .page-hero { padding: 130px 6vw 50px }
  .area-link { grid-template-columns: 1fr; gap: 12px; position: relative }
  .area-link img { width: 100%; height: 155px }
  /* La tarjeta completa es clickeable: la flecha sobre la foto estorba. */
  .area-link > span { display: none }
  .detail-hero { padding: 110px 6vw 50px }
  .back-link { margin-bottom: 35px }

  .article-grid { grid-template-columns: 1fr }
  .article > img { height: 190px }
  .article-cta { padding: 24px }
  .faq-item summary { font-size: 17px; padding-right: 36px }


  .footer-top { grid-template-columns: 1fr; gap: 30px }
  .footer-legal { display: grid; gap: 12px }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto }
  .js-reveal .reveal-section > * { opacity: 1; transform: none; transition: none }
  .js-reveal .h-statement .word { opacity: 1 }
  .js-reveal .stagger:not(.is-visible) > *,
  .js-reveal .stagger.is-visible > * { opacity: 1; animation: none }
  .h-head h2:after { transition: none }
  .site-header, .submenu { transition: none }
  .h-hero-media { --p: 1 !important }
  .h-hero-media img { transform: none }
  .insurer-marquees { margin: 0 }
  .insurer-marquee { -webkit-mask-image: none; mask-image: none }
  .insurer-marquee-reverse,
  .insurer-set[aria-hidden="true"] { display: none }
  .insurer-track { animation: none; width: auto }
  .insurer-set { flex-wrap: wrap; justify-content: center; padding-right: 0 }
}