/* =========================================================
   Ferreiro y Asociados Aseguradores, S.L. — estilos
   ========================================================= */
:root {
  /* Paleta Helvetia: azul marino corporativo, blancos y grises claros */
  --ink: #141412;
  --ink-soft: #3d4048;
  --muted: #6b6f78;
  --paper: #ffffff;
  --soft: #f9f9fa;
  --card: #ffffff;
  --line: #e8e9ea;
  --brand: #000d6e;
  --brand-dark: #000848;
  --brand-tint: #eceef8;
  --accent: #007480;
  --accent-tint: #fff9e8;
  --mint: #e9fbf7;
  --danger: #c4002b;
  --ok: #007480;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(0, 13, 110, .05), 0 8px 24px rgba(0, 13, 110, .08);
  --serif: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { color: var(--brand-dark); }
h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.15; margin: 0 0 .5em; font-weight: 700; letter-spacing: -.02em; color: var(--brand); }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.eyebrow {
  display: inline-block;
  font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--accent); margin-bottom: .8rem;
}
.lead { font-size: 1.15rem; color: var(--ink-soft); max-width: 60ch; }
.section { padding: 84px 0; }
.section-alt { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 720px; margin-bottom: 40px; }
[id] { scroll-margin-top: 84px; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: #fff; padding: 8px 12px; border-radius: 8px; }

/* ---------- Botones ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  padding: .85em 1.4em; border-radius: 8px; border: 2px solid transparent;
  font: 600 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer;
  transition: background .2s, color .2s, border-color .2s, transform .15s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-dark); color: #fff; }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: #005a63; color: #fff; }
.btn-wa { background: #25d366; color: #fff; }
.btn-wa:hover { background: #1eb455; color: #fff; }
.btn-ghost { border-color: currentColor; color: var(--brand); background: transparent; }
.btn-ghost:hover { background: var(--brand-tint); }
.btn-light { background: #fff; color: var(--brand); }
.btn-light:hover { background: var(--accent-tint); color: var(--brand-dark); }
.btn[disabled] { opacity: .6; cursor: progress; }

/* ---------- Cabecera ---------- */
.topbar { background: var(--brand-dark); color: #d7e6e4; font-size: .86rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 16px; padding-top: 7px; padding-bottom: 7px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .96); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.logo-mark {
  width: 42px; height: 42px; border-radius: 11px; background: var(--brand); color: #fff;
  display: grid; place-items: center; font: 700 1.25rem/1 var(--serif); flex: none;
}
.logo-img { display: block; height: 56px; width: auto; }
@media (max-width: 600px) { .logo-img { height: 42px; } }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong { font-family: var(--serif); font-size: 1.12rem; letter-spacing: .02em; }
.logo-text span { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.nav { display: flex; align-items: center; gap: 6px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 500; padding: 8px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--brand-tint); color: var(--brand-dark); }
.nav .btn { padding: .6em 1.1em; margin-left: 6px; color: #fff; }
.nav .btn:hover { background: var(--brand-dark); color: #fff; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--ink); }
.nav-toggle svg { width: 26px; height: 26px; }

@media (max-width: 880px) {
  .nav-toggle { display: block; }
  .nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 2px;
    background: var(--paper); border-bottom: 1px solid var(--line); padding: 10px 16px 18px;
  }
  .nav.open { display: flex; }
  .nav .btn { margin: 8px 0 0; }
  .topbar .hide-sm { display: none; }
}

/* ---------- Hero ---------- */
.hero { position: relative; padding: 72px 0 84px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero h1 em { font-style: normal; color: var(--accent); }
.hero { background: linear-gradient(180deg, var(--soft), #fff); }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero-media { position: relative; }
.hero-media img {
  width: 100%; aspect-ratio: 4 / 4.4; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow);
}
.hero-badge {
  position: absolute; left: -22px; bottom: 28px; background: #fff; border-radius: 14px; padding: 14px 18px;
  box-shadow: var(--shadow); display: flex; align-items: center; gap: 12px; max-width: 260px;
}
.hero-badge .stars { color: #f2a900; letter-spacing: 2px; font-size: 1rem; }
.hero-badge strong { font-family: var(--serif); font-size: 1.6rem; line-height: 1; }
.hero-badge small { display: block; color: var(--muted); font-size: .8rem; line-height: 1.3; }
.trust { display: flex; flex-wrap: wrap; gap: 10px 24px; margin-top: 30px; padding: 0; list-style: none; color: var(--ink-soft); font-size: .95rem; }
.trust li { display: flex; align-items: center; gap: 8px; }
.trust svg { width: 18px; height: 18px; color: var(--brand); flex: none; }

@media (max-width: 880px) {
  .hero { padding: 40px 0 56px; }
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-media img { aspect-ratio: 4 / 3; }
  .hero-badge { left: 12px; bottom: 12px; }
}

/* ---------- Casillas de seguros ---------- */
.ins-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.ins-card {
  display: flex; flex-direction: column; background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); overflow: hidden; text-decoration: none; color: var(--ink);
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.ins-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #c5cae6; color: var(--ink); }
.ins-card:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }
.ins-card .ph { aspect-ratio: 16 / 10; overflow: hidden; background: var(--brand-tint); }
.ins-card .ph img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.ins-card:hover .ph img { transform: scale(1.04); }
.ins-card .body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.ins-card .icon {
  width: 46px; height: 46px; border-radius: 12px; background: var(--brand-tint); color: var(--brand);
  display: grid; place-items: center; margin: -45px 0 14px; position: relative; border: 4px solid #fff; box-sizing: content-box;
}
.ins-card .icon svg { width: 24px; height: 24px; }
.ins-card p { color: var(--ink-soft); font-size: .97rem; flex: 1; }
.ins-card .go { font-weight: 600; color: var(--brand); display: inline-flex; align-items: center; gap: 6px; }
.ins-card:hover .go { gap: 10px; }

@media (max-width: 980px) {
  .ins-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .ins-grid { grid-template-columns: 1fr; }
}

/* ---------- Pasos ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: s; padding: 0; list-style: none; margin: 0; }
.steps li { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; position: relative; }
.steps li::before {
  counter-increment: s; content: counter(s);
  display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%;
  background: var(--accent); color: #fff; font: 700 1.1rem/1 var(--serif); margin-bottom: 16px;
}
.steps p { color: var(--ink-soft); margin: 0; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }

/* ---------- Ventajas / features ---------- */
.features { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.feature { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.feature .ic { width: 42px; height: 42px; border-radius: 10px; background: var(--brand-tint); color: var(--brand); display: grid; place-items: center; margin-bottom: 14px; }
.feature .ic svg { width: 22px; height: 22px; }
.feature h3 { font-size: 1.12rem; margin-bottom: .35em; }
.feature p { color: var(--ink-soft); margin: 0; font-size: .97rem; }
.section-alt .feature { background: var(--paper); }

/* ---------- Contacto ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 14px; }
.contact-list .ic { width: 44px; height: 44px; border-radius: 12px; background: var(--brand); color: #fff; display: grid; place-items: center; flex: none; }
.contact-list .ic svg { width: 20px; height: 20px; }
.contact-list small { display: block; color: var(--muted); font-size: .85rem; }
.contact-card { background: var(--brand); color: #e2eeec; border-radius: 20px; padding: 36px; }
.contact-card h3 { color: #fff; font-size: 1.6rem; }
@media (max-width: 800px) { .contact-grid { grid-template-columns: 1fr; } }

/* ---------- Página de seguro ---------- */
.page-hero { padding: 56px 0 64px; }
.page-hero .hero-grid { grid-template-columns: 1.1fr .9fr; }
.page-hero .hero-media img { aspect-ratio: 4 / 3.2; }
.crumbs { font-size: .9rem; color: var(--muted); margin-bottom: 18px; }
.crumbs a { color: var(--muted); }
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; padding: 0; margin: 22px 0 0; list-style: none; }
.pill-list li { background: var(--brand-tint); color: var(--brand-dark); border-radius: 999px; padding: 6px 14px; font-size: .9rem; font-weight: 500; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 880px) { .two-col { grid-template-columns: 1fr; gap: 28px; } }

.plans { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; }
.plan { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; position: relative; }
.plan.featured { border: 2px solid var(--brand); }
.plan .tag { position: absolute; top: -12px; left: 22px; background: var(--brand); color: #fff; font-size: .74rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; }
.plan h3 { margin-bottom: .3em; }
.plan > p { color: var(--ink-soft); font-size: .96rem; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.checks li { position: relative; padding-left: 28px; font-size: .97rem; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: .3em; width: 18px; height: 18px; border-radius: 50%;
  background: var(--brand-tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23000d6e' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center / 12px no-repeat;
}

/* Tabla de precios */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); background: var(--card); }
table.prices { width: 100%; border-collapse: collapse; min-width: 520px; }
table.prices th, table.prices td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); }
table.prices thead th { background: var(--brand); color: #fff; font-weight: 600; font-size: .92rem; letter-spacing: .02em; }
table.prices tbody tr:last-child td { border-bottom: 0; }
table.prices td.price { font-family: var(--serif); font-size: 1.5rem; font-weight: 600; color: var(--brand); white-space: nowrap; }
table.prices td.price small { font-family: var(--sans); font-size: .85rem; color: var(--muted); font-weight: 400; }
.note { font-size: .88rem; color: var(--muted); margin-top: 12px; }

/* FAQ */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 0 22px; }
.faq summary {
  cursor: pointer; list-style: none; padding: 18px 32px 18px 0; font-weight: 600; position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  font: 400 1.6rem/1 var(--sans); color: var(--brand);
}
.faq details[open] summary::after { content: "−"; }
.faq details > div { padding: 0 0 18px; color: var(--ink-soft); }
.faq details > div p:last-child { margin: 0; }

/* ---------- Formularios ---------- */
.quote-section { background: linear-gradient(180deg, var(--brand-tint), var(--paper) 340px); }
.quote-shell { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.quote-aside { position: sticky; top: 100px; }
.quote-aside .promise { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-top: 24px; }
.quote-aside .promise strong { display: block; font-family: var(--serif); font-size: 1.15rem; margin-bottom: 4px; }
@media (max-width: 920px) { .quote-shell { grid-template-columns: 1fr; gap: 28px; } .quote-aside { position: static; } }

form.quote { background: var(--card); border: 1px solid var(--line); border-radius: 20px; padding: 32px; box-shadow: var(--shadow); }
@media (max-width: 600px) { form.quote { padding: 22px 18px; } }
fieldset { border: 0; padding: 0; margin: 0 0 28px; min-width: 0; }
legend { font-family: var(--serif); font-size: 1.25rem; font-weight: 600; margin-bottom: 14px; padding: 0; }
.legend-sub { margin: -8px 0 16px; color: var(--muted); font-size: .92rem; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.grid-2 .full { grid-column: 1 / -1; }
@media (max-width: 600px) { .grid-2 { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; }
.field > span { font-weight: 600; font-size: .93rem; }
.field > span .req { color: var(--danger); }
.field > span .opt { color: var(--muted); font-weight: 400; }
.field small.hint { color: var(--muted); font-size: .83rem; }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=date], select, textarea {
  font: inherit; font-size: 1rem; color: var(--ink); width: 100%;
  padding: 12px 14px; border: 1.5px solid #d6d0c6; border-radius: 10px; background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
textarea { min-height: 110px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px rgba(0, 13, 110, .14); }
.was-validated input:invalid, .was-validated select:invalid, .was-validated textarea:invalid { border-color: var(--danger); }
.field .err { color: var(--danger); font-size: .84rem; display: none; }
.was-validated .field input:invalid ~ .err, .was-validated .field textarea:invalid ~ .err, .was-validated .field select:invalid ~ .err { display: block; }

/* Caja foto de póliza */
.photo-box {
  border: 2px dashed #8fd3cd; background: var(--mint); border-radius: 16px; padding: 22px; margin-bottom: 28px;
}
.photo-box h3 { font-size: 1.25rem; margin-bottom: .25em; }
.photo-box p { color: var(--ink-soft); margin-bottom: 14px; font-size: .97rem; }
.photo-drop { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.photo-drop input[type=file] { position: absolute; width: 1px; height: 1px; opacity: 0; }
.photo-drop label.btn { cursor: pointer; }
.photo-drop input[type=file]:focus-visible + label { outline: 3px solid var(--brand); outline-offset: 2px; }
.file-list { list-style: none; padding: 0; margin: 14px 0 0; display: grid; gap: 8px; }
.file-list li { display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 8px 10px; font-size: .92rem; }
.file-list img, .file-list .doc { width: 44px; height: 44px; object-fit: cover; border-radius: 6px; flex: none; background: var(--brand-tint); display: grid; place-items: center; font-size: .7rem; font-weight: 700; color: var(--brand); }
.file-list .name { flex: 1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.file-list .size { color: var(--muted); font-size: .82rem; }
.file-list button { background: none; border: 0; color: var(--danger); cursor: pointer; font-weight: 600; padding: 6px; }
.photo-mode-note { display: none; margin-top: 12px; color: var(--ok); font-weight: 600; font-size: .93rem; }
.has-photos .photo-mode-note { display: block; }
.has-photos .req-mark { display: none; }

/* Asegurados adicionales */
.extra { border: 1px solid var(--line); border-radius: 14px; padding: 18px; margin-bottom: 14px; background: var(--paper); }
.extra-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.extra-head h4 { font-size: 1.05rem; margin: 0; }
.link-btn { background: none; border: 0; color: var(--danger); font-weight: 600; cursor: pointer; padding: 4px; font-size: .92rem; }

/* Opciones (radio / checkbox) */
.choices { display: flex; flex-wrap: wrap; gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice span {
  display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border: 1.5px solid #d6d0c6;
  border-radius: 999px; background: #fff; font-weight: 500; font-size: .95rem; transition: all .15s;
}
.choice input:checked + span { border-color: var(--brand); background: var(--brand-tint); color: var(--brand-dark); }
.choice input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }
.choice svg { width: 18px; height: 18px; }
.capital-otro { margin-top: 12px; display: none; }
.capital-otro.show { display: flex; }

.offer-box { background: var(--brand); color: #e2eeec; border-radius: 14px; padding: 20px 22px; margin-bottom: 22px; }
.offer-box strong { color: #fff; font-family: var(--serif); font-size: 1.12rem; display: block; margin-bottom: 4px; }
.offer-box p { margin: 0 0 14px; font-size: .96rem; }
.offer-box .choice span { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.35); color: #fff; }
.offer-box .choice input:checked + span { background: #fff; color: var(--brand-dark); border-color: #fff; }

.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .9rem; color: var(--ink-soft); line-height: 1.5; }
.consent input { width: 20px; height: 20px; margin-top: 2px; flex: none; accent-color: var(--brand); }
.was-validated .consent input:invalid { outline: 2px solid var(--danger); outline-offset: 2px; }
.rgpd-basic { margin-top: 18px; font-size: .8rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px; }
.rgpd-basic dl { display: grid; grid-template-columns: 120px 1fr; gap: 4px 12px; margin: 0; }
.rgpd-basic dt { font-weight: 700; color: var(--ink-soft); }
.rgpd-basic dd { margin: 0; }
@media (max-width: 600px) { .rgpd-basic dl { grid-template-columns: 1fr; } .rgpd-basic dd { margin-bottom: 6px; } }
.form-error { display: none; background: #fdecea; color: var(--danger); border-radius: 10px; padding: 12px 14px; margin-bottom: 16px; font-weight: 600; font-size: .95rem; }
.form-error.show { display: block; }
.submit-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-top: 22px; }
.submit-row { flex-direction: column; align-items: stretch; gap: 10px; }
.submit-row .hint { text-align: center; color: var(--muted); font-size: .9rem; }
.btn-submit {
  width: 100%; padding: 1.15em 1.8em; font-size: 1.25rem; font-weight: 700; letter-spacing: .01em;
  background: var(--accent); color: #fff; border-radius: 10px;
  box-shadow: 0 6px 18px rgba(0, 116, 128, .35);
}
.btn-submit:hover { background: #005a63; color: #fff; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(0, 116, 128, .42); }
.btn-submit svg { transition: transform .2s; }
.btn-submit:hover svg { transform: translateX(4px); }
.btn-submit:focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; }
.hp { position: absolute !important; left: -5000px !important; }

/* ---------- Páginas legales ---------- */
.legal { max-width: 860px; }
.legal h2 { margin-top: 2em; padding-top: 1em; border-top: 1px solid var(--line); font-size: 1.7rem; }
.legal h2:first-of-type { border-top: 0; margin-top: 0; padding-top: 0; }
.legal h3 { margin-top: 1.6em; font-size: 1.15rem; }
.legal table { width: 100%; border-collapse: collapse; margin: 1em 0 1.5em; font-size: .95rem; }
.legal th, .legal td { text-align: left; vertical-align: top; padding: 10px 12px; border-bottom: 1px solid var(--line); }
.legal th { width: 34%; color: var(--ink-soft); font-weight: 600; }
.legal ul { padding-left: 1.2em; }
.legal li { margin-bottom: .4em; }
.toc { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 40px; }
.toc ol { margin: 0; padding-left: 1.2em; }
.pendiente { background: #fff3c4; border-radius: 4px; padding: 0 4px; }

/* ---------- Pie ---------- */
.site-footer { background: var(--brand); color: #c3c8e8; padding: 56px 0 28px; font-size: .94rem; }
.site-footer a { color: #e3e9ed; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.footer-grid h4 { color: #fff; font-family: var(--sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 14px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer .logo { color: #fff; margin-bottom: 14px; }
.site-footer .logo-text span { color: #a9b0dc; }
.site-footer .logo-mark { background: #fff; color: var(--brand); }

/* Botón flotante de WhatsApp */
.wa-float {
  position: fixed; right: 18px; bottom: 18px; z-index: 60; width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: #fff; display: grid; place-items: center; box-shadow: 0 6px 20px rgba(0,0,0,.22);
  transition: transform .2s;
}
.wa-float:hover { transform: scale(1.06); color: #fff; }
.wa-float svg { width: 30px; height: 30px; }

/* Otros seguros */
.other-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 22px; }
.other-card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; display: flex; flex-direction: column; }
.other-card .ic { width: 50px; height: 50px; border-radius: 12px; background: var(--brand-tint); color: var(--brand); display: grid; place-items: center; margin-bottom: 16px; }
.other-card .ic svg { width: 26px; height: 26px; }
.other-card h3 { font-size: 1.2rem; margin-bottom: .2em; }
.other-card .from { display: inline-block; font-size: .85rem; font-weight: 700; color: var(--accent); margin-bottom: 10px; }
.other-card > p { color: var(--ink-soft); font-size: .96rem; }
.other-card .checks { margin-bottom: 18px; flex: 1; align-content: start; }
.other-card .checks li { font-size: .93rem; }
.other-card .ask { font-weight: 600; color: var(--brand); text-decoration: none; margin-top: auto; }
.other-card .ask:hover { text-decoration: underline; }
.cta-band { background: var(--brand); color: #d6daf2; border-radius: 20px; padding: 40px; display: grid; grid-template-columns: 1.2fr 1fr; gap: 32px; align-items: center; }
.cta-band h2 { color: #fff; }
.cta-band .contact-list a { color: #fff; }
.cta-band .contact-list .ic { background: #fff; color: var(--brand); }
.cta-band .contact-list small { color: #a9b0dc; }
@media (max-width: 800px) { .cta-band { grid-template-columns: 1fr; padding: 28px 22px; } }
.footer-bottom { margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; }
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

.credit { font-size: .75rem; color: var(--muted); margin-top: 8px; }
.credit a { color: inherit; }

/* Gracias */
.thanks { min-height: 60vh; display: grid; place-items: center; text-align: center; padding: 80px 0; }
.thanks .check { width: 72px; height: 72px; border-radius: 50%; background: var(--brand); color: #fff; display: grid; place-items: center; margin: 0 auto 22px; }
.thanks .check svg { width: 36px; height: 36px; }

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}