:root {
  --primary: #00a6cb;
  --primary-dark: #008ba8;
  --primary-hover: #38bdf8;
  --slate-900: #0f172a;
  --slate-800: #1e293b;
  --slate-600: #475569;
  --slate-500: #64748b;
  --accent: #f59e0b;
  --surface: #f8fafc;
  --white: #ffffff;
  --line: rgba(15, 23, 42, 0.1);
  --wa: #128c7e;
  --font-display: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --radius: 16px;
  --shadow: 0 18px 40px -24px rgba(15, 23, 42, 0.35);
  --header-h: 4.25rem;
  --wrap: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--slate-800);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
button, input, select, textarea { font: inherit; color: inherit; }
a { color: var(--primary-dark); }
h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--slate-900);
  line-height: 1.2;
  margin: 0 0 0.6rem;
}
h1 { font-size: clamp(2.15rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.35rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }
ul { margin: 0; padding: 0; }

.skip-link {
  position: absolute;
  left: 1rem;
  top: -3rem;
  background: var(--slate-900);
  color: var(--white);
  padding: 0.5rem 0.8rem;
  z-index: 10000;
}
.skip-link:focus { top: 0.5rem; }

.container {
  width: min(calc(100% - 2rem), var(--wrap));
  margin-inline: auto;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  border: 0;
  border-radius: 999px;
  padding: 0.78rem 1.25rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 10px 24px -12px rgba(0, 166, 203, 0.9);
}
.btn-primary:hover { background: var(--primary-dark); color: var(--white); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.35);
}
.btn-ghost:hover { background: rgba(255, 255, 255, 0.08); }
.btn-block { width: 100%; }
.btn-lg { padding: 1rem 1.6rem; font-size: 1.05rem; }
.btn:active { transform: translateY(1px); }

.section-tag {
  display: inline-block;
  margin: 0 0 0.7rem;
  color: var(--primary-dark);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.section-head { max-width: 40rem; margin-bottom: 2rem; }
.section-head p:last-child { color: var(--slate-600); margin: 0; }

.topbar {
  background: var(--slate-900);
  color: #e2e8f0;
  font-size: 0.82rem;
}
.topbar-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.2rem;
  justify-content: space-between;
  align-items: center;
  padding: 0.45rem 0;
}
.topbar-meta { display: flex; flex-wrap: wrap; gap: 0.45rem 0.7rem; margin: 0; align-items: center; }
.topbar-meta .dot {
  width: 4px; height: 4px; border-radius: 50%; background: var(--accent); display: inline-block;
}
.topbar-actions { display: flex; gap: 0.75rem; align-items: center; }
.topbar-phone { color: var(--white); font-weight: 700; text-decoration: none; }
.topbar-emergency {
  color: #fff7ed;
  background: #b91c1c;
  text-decoration: none;
  font-weight: 800;
  letter-spacing: 0.02em;
  border-radius: 999px;
  padding: 0.28rem 0.75rem;
  white-space: nowrap;
}
.topbar-emergency:hover { background: #991b1b; color: #fff7ed; }
.btn-wa-mini {
  color: #ecfdf5;
  background: var(--wa);
  text-decoration: none;
  font-weight: 700;
  border-radius: 999px;
  padding: 0.28rem 0.75rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  min-height: var(--header-h);
  display: flex;
  align-items: center;
  gap: 1rem;
}
.brand img,
.brand img.logo-main {
  height: 44px;
  width: auto;
  object-fit: contain;
}
.nav {
  display: none;
  gap: 1.05rem;
  margin-left: auto;
  font-size: 0.92rem;
  font-weight: 600;
}
.nav a { color: var(--slate-800); text-decoration: none; }
.nav a:hover { color: var(--primary-dark); }
.header-cta { display: flex; align-items: center; gap: 0.65rem; margin-left: auto; }
.nav-toggle {
  width: 42px; height: 42px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
  display: grid;
  place-items: center;
  gap: 5px;
  padding: 0;
}
.nav-toggle span {
  display: block; width: 18px; height: 2px; background: var(--slate-900);
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(1200px 420px at 10% -10%, rgba(0, 166, 203, 0.35), transparent 55%),
    radial-gradient(900px 380px at 90% 10%, rgba(245, 158, 11, 0.18), transparent 50%),
    linear-gradient(165deg, #0f172a 0%, #12344a 48%, #0b3d4f 100%);
  color: #e2e8f0;
  padding: 3.2rem 0 4rem;
}
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(circle at 30% 20%, #000 20%, transparent 70%);
  pointer-events: none;
}
.hero-inner { position: relative; }
.eyebrow {
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-size: 0.72rem;
  color: var(--primary-hover);
  margin-bottom: 0.85rem;
}
.hero h1 { color: var(--white); max-width: 16ch; }
.lede { max-width: 40rem; font-size: 1.05rem; color: #cbd5e1; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin: 1.4rem 0 1.5rem; }
.value-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  list-style: none;
  margin-bottom: 2rem;
}
.value-badges li {
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(15, 23, 42, 0.25);
  border-radius: 999px;
  padding: 0.32rem 0.75rem;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.hero-cards {
  display: grid;
  gap: 0.85rem;
}
.hero-card {
  text-align: left;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 1.1rem 1.15rem;
  color: inherit;
  cursor: pointer;
  transition: transform 0.2s ease, border-color 0.2s ease, background 0.2s ease;
}
.hero-card:hover {
  transform: translateY(-3px);
  border-color: rgba(56, 189, 248, 0.55);
  background: rgba(0, 166, 203, 0.16);
}
.card-kicker {
  display: block;
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 800;
  margin-bottom: 0.35rem;
}
.hero-card strong { display: block; font-size: 1.05rem; color: var(--white); margin-bottom: 0.25rem; }
.hero-card span:last-child { color: #94a3b8; font-size: 0.9rem; }

.quote { padding: 4rem 0; background: var(--surface); }
.quote-layout { display: grid; gap: 2rem; }
.plain-list { list-style: none; display: grid; gap: 0.45rem; color: var(--slate-600); }
.plain-list li::before { content: "▸ "; color: var(--primary); font-weight: 800; }
.quote-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 1.25rem;
  box-shadow: var(--shadow);
}
.quote-card fieldset { border: 0; margin: 0 0 1rem; padding: 0; }
.quote-card legend {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 0.65rem;
  color: var(--slate-500);
}
.ramo-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.45rem;
}
.ramo-btn {
  border: 1px solid var(--line);
  background: var(--surface);
  border-radius: 12px;
  padding: 0.65rem 0.55rem;
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  text-align: left;
}
.ramo-btn[aria-checked="true"], .ramo-btn.is-on {
  border-color: var(--primary);
  background: rgba(0, 166, 203, 0.1);
  color: var(--primary-dark);
  box-shadow: inset 0 0 0 1px var(--primary);
}
.field { display: grid; gap: 0.3rem; margin-bottom: 0.8rem; font-size: 0.88rem; font-weight: 600; }
.field em { font-style: normal; color: var(--slate-500); font-weight: 500; }
.field input, .field select, .field textarea {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.7rem 0.8rem;
  background: var(--white);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid rgba(0, 166, 203, 0.35);
  border-color: var(--primary);
}
.form-error { color: #b91c1c; font-size: 0.85rem; font-weight: 600; }
.form-note { font-size: 0.78rem; color: var(--slate-500); margin: 0.7rem 0 0; }

.coverages, .realty, .alliance, .carriers, .claims, .claims-section, .faq, .contact {
  padding: 4rem 0;
}
.coverages { background: var(--white); }
.tab-list {
  display: flex;
  gap: 0.4rem;
  overflow-x: auto;
  margin-bottom: 1.2rem;
  padding-bottom: 0.2rem;
}
.tab-list button {
  border: 1px solid var(--line);
  background: var(--surface);
  border-radius: 999px;
  padding: 0.55rem 0.95rem;
  font-weight: 700;
  font-size: 0.86rem;
  white-space: nowrap;
  cursor: pointer;
}
.tab-list button[aria-selected="true"] {
  background: var(--slate-900);
  color: var(--white);
  border-color: var(--slate-900);
}
.tab-panel {
  display: grid;
  gap: 0.85rem;
}
.tab-panel[hidden] { display: none; }
.acc-panel[hidden] { display: none; }
.tab-panel article {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem 1.15rem;
  background: var(--surface);
}
.tab-panel article p { margin: 0; color: var(--slate-600); }

.realty { background: linear-gradient(180deg, #f0f9ff 0%, var(--white) 100%); }
.realty-grid, .carrier-list {
  display: grid;
  gap: 0.85rem;
}
.realty-grid article {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.15rem;
  box-shadow: var(--shadow);
}
.realty-grid p { margin: 0; color: var(--slate-600); }

.alliance { background: var(--slate-900); color: #cbd5e1; }
.alliance h2, .alliance h3 { color: var(--white); }
.alliance-layout { display: grid; gap: 2rem; }
.slogan-block {
  margin-top: 1.4rem;
  padding: 1rem 1.1rem;
  border-left: 3px solid var(--accent);
  color: var(--white);
  letter-spacing: 0.02em;
}
.slogan-block strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
}
.slogan-block em { color: var(--primary-hover); font-style: italic; }
.compare {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 22px;
  padding: 1.25rem 1.3rem;
}
.compare ul { list-style: none; display: grid; gap: 1rem; }
.compare li strong { display: block; color: var(--accent); margin-bottom: 0.2rem; }

.carriers { background: var(--surface); }
.carrier-list {
  list-style: none;
  grid-template-columns: repeat(2, 1fr);
}
.carrier-list li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.9rem 0.75rem;
  text-align: center;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 0.78rem;
  color: var(--slate-800);
}

.steps {
  list-style: none;
  display: grid;
  gap: 1rem;
  counter-reset: none;
}
.steps li {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem;
}
.steps span {
  display: block;
  font-family: var(--font-display);
  color: var(--primary);
  font-size: 1.5rem;
  margin-bottom: 0.3rem;
}
.steps p { margin: 0; color: var(--slate-600); }

.claims-section { background: linear-gradient(180deg, #fff7ed 0%, var(--white) 42%, var(--white) 100%); }
.claims-section .section-header { max-width: 44rem; margin: 0 auto 2rem; }
.claims-section .text-center { text-align: center; }
.badge-emergency {
  display: inline-block;
  margin: 0 0 0.85rem;
  background: #b91c1c;
  color: #fff7ed;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  border-radius: 999px;
  padding: 0.35rem 0.85rem;
}
.section-desc { color: var(--slate-600); margin: 0; }
.claims-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 1.35rem 1.25rem;
  box-shadow: var(--shadow);
}
.claims-step { display: grid; gap: 0.45rem; margin-bottom: 1.1rem; }
.claims-step label { font-size: 0.95rem; }
.claims-select,
.claims-step select {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 0.75rem 0.85rem;
  background: var(--surface);
  width: 100%;
  font-weight: 600;
}
.claims-select:focus {
  outline: 2px solid rgba(0, 166, 203, 0.35);
  border-color: var(--primary);
}
.company-alert-box {
  display: grid;
  gap: 0.85rem;
  background: rgba(0, 166, 203, 0.08);
  border: 1px solid rgba(0, 166, 203, 0.22);
  border-radius: 16px;
  padding: 1rem 1.05rem;
  margin-bottom: 1.25rem;
}
.company-alert-box h4 {
  margin: 0 0 0.35rem;
  font-family: var(--font-sans);
  font-size: 1.02rem;
  font-weight: 800;
  letter-spacing: 0;
}
.company-alert-box p { margin: 0; color: var(--slate-600); }
.alert-actions { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.btn-phone-call {
  background: var(--slate-900);
  color: var(--white);
  text-decoration: none;
  font-weight: 800;
  border-radius: 999px;
  padding: 0.72rem 1.15rem;
}
.btn-phone-call:hover { background: var(--primary-dark); color: var(--white); }
.claims-protocol h3 { margin-bottom: 1rem; }
.protocol-grid { display: grid; gap: 0.85rem; }
.protocol-item {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.05rem 1rem 1.15rem;
  background: var(--surface);
}
.protocol-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.7rem;
  height: 1.7rem;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  font-weight: 800;
  font-size: 0.85rem;
  margin-bottom: 0.45rem;
}
.protocol-item strong { display: block; margin-bottom: 0.25rem; color: var(--slate-900); }
.protocol-item p { margin: 0; color: var(--slate-600); font-size: 0.92rem; }
.claims-cta { margin-top: 1.35rem; }
.btn-whatsapp-large {
  background: var(--wa);
  color: var(--white);
  width: 100%;
  font-weight: 800;
}
.btn-whatsapp-large:hover { background: #0f766e; color: var(--white); }

.faq { background: var(--surface); }
.acc-item {
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 14px;
  margin-bottom: 0.55rem;
  overflow: hidden;
}
.acc-item h3 { margin: 0; }
.acc-item button {
  width: 100%;
  text-align: left;
  background: transparent;
  border: 0;
  padding: 0.95rem 1.1rem;
  font-weight: 700;
  cursor: pointer;
}
.acc-item button::after {
  content: "+";
  float: right;
  color: var(--primary);
  font-weight: 800;
}
.acc-item.is-open button::after { content: "–"; }
.acc-panel { padding: 0 1.1rem 1rem; color: var(--slate-600); }
.acc-panel p { margin: 0; }

.contact { background: var(--white); }
.contact-layout {
  display: grid;
  gap: 1.5rem;
  align-items: center;
  background:
    radial-gradient(600px 180px at 100% 0%, rgba(0, 166, 203, 0.12), transparent 60%),
    var(--surface);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 1.6rem 1.4rem;
}
.contact-facts { list-style: none; display: grid; gap: 0.55rem; }
.contact-facts span { display: block; font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--slate-500); font-weight: 800; }
.contact-facts a { color: var(--slate-900); font-weight: 700; text-decoration: none; }

.site-footer {
  background: var(--slate-900);
  color: #94a3b8;
  padding: 2.2rem 0 5rem;
  font-size: 0.88rem;
}
.footer-inner { display: grid; gap: 1.2rem; }
.footer-brand { display: flex; gap: 0.85rem; align-items: center; color: var(--white); }
.footer-brand img { width: 64px; height: 64px; }
.footer-brand span { color: #94a3b8; font-size: 0.8rem; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 0.8rem 1.1rem; }
.site-footer nav a { color: #e2e8f0; text-decoration: none; font-weight: 600; }
.footer-legal { margin: 0; max-width: 46rem; }
.footer-legal code { color: var(--primary-hover); font-size: 0.8rem; }

@media (min-width: 720px) {
  .hero-cards { grid-template-columns: repeat(3, 1fr); }
  .ramo-grid { grid-template-columns: repeat(3, 1fr); }
  .realty-grid, .tab-panel, .steps { grid-template-columns: 1fr 1fr; }
  .protocol-grid { grid-template-columns: repeat(3, 1fr); }
  .company-alert-box { grid-template-columns: 1fr auto; align-items: center; }
  .carrier-list { grid-template-columns: repeat(4, 1fr); }
}

@media (min-width: 960px) {
  .nav { display: flex; }
  .nav-toggle { display: none; }
  .header-cta { margin-left: 0; }
  .quote-layout, .alliance-layout, .faq-layout, .contact-layout {
    grid-template-columns: 1fr 1.05fr;
    align-items: start;
    gap: 2.5rem;
  }
  .contact-layout { align-items: center; }
  .quote-card { padding: 1.5rem; }
  .nav.is-open { display: flex; }
}

@media (max-width: 959px) {
  .nav {
    display: none;
    position: absolute;
    left: 0; right: 0;
    top: 100%;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    padding: 0.8rem 1rem 1.1rem;
    box-shadow: var(--shadow);
  }
  .nav.is-open { display: flex; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn, .hero-card { transition: none; }
}