:root{--navy:#102a43;--blue:#176b9c;--green:#218b68;--gold:#d5aa4d;--ink:#1b2b3a;--muted:#5c7080;--line:#dce6ec;--soft:#f3f7f9;--white:#fff;--shadow:0 18px 50px rgba(16,42,67,.12);--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.6;background:#fff}body.lock{overflow:hidden}img{max-width:100%;display:block}a{color:inherit}button,input,select,textarea{font:inherit}.container{width:min(1160px,calc(100% - 40px));margin:auto}.narrow{max-width:900px}.skip{position:fixed;left:12px;top:-80px;background:var(--navy);color:#fff;padding:12px 18px;z-index:9999}.skip:focus{top:12px}.header{height:80px;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(16,42,67,.08);position:fixed;inset:0 0 auto;z-index:100;backdrop-filter:blur(12px)}.nav{height:100%;display:flex;align-items:center;justify-content:space-between}.brand img{width:215px}.nav nav{display:flex;align-items:center;gap:18px}.nav nav a{text-decoration:none;font-size:14px;font-weight:650}.btn{border:0;border-radius:12px;background:var(--green);color:#fff;padding:14px 22px;font-weight:750;text-decoration:none;cursor:pointer;display:inline-flex;justify-content:center;align-items:center;transition:.2s}.btn:hover{background:#176f53;transform:translateY(-1px)}.btn.small{padding:10px 15px}.btn.outline{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--navy)}.btn.gold{background:var(--gold);color:var(--navy)}.btn.ghost{background:#e9eff2;color:var(--navy)}.menu-btn{display:none;background:transparent;border:0;padding:8px}.menu-btn span{display:block;width:25px;height:2px;margin:5px;background:var(--navy)}.hero{padding:150px 0 80px;min-height:720px;background:radial-gradient(circle at 90% 20%,#d9f1e8 0,transparent 28%),linear-gradient(135deg,#f7fafb,#eef5f8)}.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:70px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:12px;font-weight:850;color:var(--green)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.08}h1{font-size:clamp(46px,5vw,72px);margin:16px 0 22px}h1 em{font-style:normal;color:var(--green)}h2{font-size:clamp(34px,4vw,50px);margin:12px 0 18px}.lead{font-size:19px;color:var(--muted);max-width:620px}.actions{display:flex;gap:12px;margin:30px 0}.trust{display:flex;gap:10px;align-items:center;font-size:14px;color:var(--muted)}.trust span{background:#d9f1e8;color:var(--green);width:28px;height:28px;border-radius:50%;display:grid;place-items:center}.hero-media{position:relative}.hero-media:before{content:"";position:absolute;inset:-12px 18px 20px -12px;border:2px solid var(--gold);border-radius:34px}.hero-media img{position:relative;width:100%;height:540px;object-fit:cover;border-radius:30px;box-shadow:var(--shadow)}.float-card{position:absolute;left:-35px;bottom:32px;background:#fff;border-radius:16px;padding:16px 20px;box-shadow:var(--shadow);display:grid}.float-card span{font-size:13px;color:var(--muted)}.section{padding:95px 0}.soft{background:var(--soft)}.section-head{text-align:center;max-width:720px;margin:0 auto 44px}.section-head p{color:var(--muted)}.cards{display:grid;gap:18px}.insurance-grid{grid-template-columns:repeat(4,1fr)}.insurance-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;transition:.25s}.insurance-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}.icon{width:50px;height:50px;border-radius:14px;background:#e1f3ed;color:var(--green);display:grid;place-items:center;font-size:24px;margin-bottom:20px}.insurance-card h3{color:var(--navy)}.insurance-card p{color:var(--muted);font-size:14px;min-height:67px}.text-btn,.link-btn,footer button{border:0;background:none;color:var(--green);padding:0;text-decoration:underline;text-underline-offset:3px;cursor:pointer;font-weight:700}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.feature-grid article{background:#fff;padding:28px;border-radius:var(--radius)}.feature-grid b{color:var(--gold);font-size:13px}.feature-grid h3{color:var(--navy);margin:10px 0}.feature-grid p{color:var(--muted);font-size:14px}.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(5,1fr);position:relative}.steps:before{content:"";position:absolute;top:25px;left:10%;right:10%;height:2px;background:var(--line)}.steps li{text-align:center;position:relative;padding:0 12px}.steps span{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;margin:0 auto 18px;font-weight:800;box-shadow:0 0 0 8px #fff}.steps h3{font-size:16px}.steps p{font-size:13px;color:var(--muted)}.partners{text-align:center;padding:45px 0;border-block:1px solid var(--line)}.partners p,.partners small{color:var(--muted)}.partner-row{display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap;margin:26px 0;color:#78909e;font-weight:850;letter-spacing:1px}.about{background:var(--navy);color:#d9e4eb}.about h2{color:#fff}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}.stats div{background:rgba(255,255,255,.08);padding:24px;border-radius:16px;display:grid}.stats strong{font:700 38px Georgia;color:#fff}.stats span{font-size:13px}.stats small{grid-column:1/-1}.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.testimonial{background:#fff;border-radius:var(--radius);padding:24px;box-shadow:0 8px 26px rgba(16,42,67,.06)}.stars{color:#c58d16;letter-spacing:2px}.testimonial p{color:var(--muted)}.testimonial small{display:block;color:#8293a0}.demo-note{text-align:center;color:var(--muted);font-size:12px;margin-top:22px}.faq-item{border-bottom:1px solid var(--line)}.faq-q{width:100%;background:none;border:0;padding:20px 4px;text-align:left;color:var(--navy);font-weight:750;display:flex;justify-content:space-between;cursor:pointer}.faq-a{padding:0 35px 20px 4px;color:var(--muted)}.claim{background:linear-gradient(120deg,var(--blue),var(--navy));color:#fff;padding:60px 0}.claim h2{color:#fff}.claim-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}.light{color:#9de2c8}.quote{background:#eef5f8}.quote-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px}.check-list{padding:0;list-style:none}.check-list li{padding:8px 0}.check-list li:before{content:"✓";color:var(--green);font-weight:800;margin-right:10px}form{background:#fff;padding:34px;border-radius:24px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}label{display:grid;gap:7px;font-size:14px;font-weight:700;color:var(--navy)}input,select,textarea{width:100%;padding:13px;border:1px solid #becdd5;border-radius:10px;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus,button:focus-visible,a:focus-visible{outline:3px solid rgba(33,139,104,.35);outline-offset:2px}input[aria-invalid=true],select[aria-invalid=true]{border-color:#b42318}.conditional{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:18px 0}.consent{grid-template-columns:auto 1fr;align-items:start;margin:18px 0}.consent input{width:18px;height:18px}.submit{width:100%}.micro,.form-msg{font-size:12px;color:var(--muted);margin:10px 0 0}.form-msg{color:#b42318;font-weight:700}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:25px}.contact-card{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px}.contact-card h3{font-size:24px}.contact iframe{width:100%;height:420px;border:0;border-radius:var(--radius)}.social{display:flex;gap:15px;margin-top:20px}footer{background:#091d2d;color:#aebfca;padding:60px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:35px}.footer-grid img{filter:brightness(0) invert(1);margin-bottom:18px}.footer-grid h3{color:#fff}.footer-grid a,.footer-grid button{display:block;color:#bdcbd4;text-decoration:none;margin:9px 0;font-weight:400;text-align:left}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;margin-top:35px;font-size:12px}.whatsapp{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:#20b96b;color:#fff;text-decoration:none;font-weight:850;box-shadow:var(--shadow);z-index:90}.modal-root{position:fixed;inset:0;z-index:1000}.overlay{position:absolute;inset:0;background:rgba(5,19,31,.72);backdrop-filter:blur(4px)}.modal{position:relative;background:#fff;width:min(760px,calc(100% - 30px));max-height:calc(100vh - 40px);overflow:auto;margin:20px auto;border-radius:22px;padding:38px;box-shadow:var(--shadow)}.modal-close{position:absolute;right:16px;top:12px;border:0;background:#edf2f4;width:38px;height:38px;border-radius:50%;font-size:26px;cursor:pointer}.modal h2{font-size:34px;padding-right:35px}.modal h3{color:var(--navy);margin-top:25px}.modal ul{padding-left:20px}.notice{background:#fff6df;border-left:4px solid var(--gold);padding:15px;border-radius:8px}.cookie{position:fixed;left:20px;right:20px;bottom:18px;background:#fff;box-shadow:0 12px 60px rgba(0,0,0,.25);border:1px solid var(--line);border-radius:16px;padding:18px 22px;z-index:900;display:flex;justify-content:space-between;gap:30px;align-items:center}.cookie[hidden]{display:none}.cookie p{margin:0;max-width:720px}.cookie>div{display:flex;gap:8px}.cookie .btn{padding:10px 14px}.toast{position:fixed;left:50%;bottom:25px;transform:translate(-50%,120px);background:var(--navy);color:#fff;padding:15px 20px;border-radius:10px;z-index:1500;transition:.3s;max-width:650px}.toast.show{transform:translate(-50%,0)}
@media(max-width:1000px){.nav nav{position:fixed;right:-100%;top:80px;width:min(380px,90vw);height:calc(100vh - 80px);background:#fff;padding:28px;display:flex;flex-direction:column;align-items:stretch;transition:.25s;overflow:auto}.nav nav.open{right:0;box-shadow:-20px 20px 40px rgba(0,0,0,.12)}.menu-btn{display:block}.hero-grid,.about-grid,.quote-grid{grid-template-columns:1fr}.hero-media{max-width:680px}.insurance-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(3,1fr);gap:25px}.steps:before{display:none}.feature-grid,.testimonials{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}}
@media(max-width:700px){.container{width:min(100% - 28px,1160px)}.section{padding:70px 0}.hero{padding-top:120px}.hero-grid{gap:45px}.hero-media img{height:390px}.float-card{left:12px;right:12px;bottom:15px}.insurance-grid,.feature-grid,.testimonials,.form-grid,.conditional,.contact-grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.about-grid,.quote-grid{gap:40px}.claim-inner,.cookie{align-items:stretch;flex-direction:column}.cookie{left:8px;right:8px;bottom:8px;gap:12px}.cookie>div{display:grid;grid-template-columns:1fr 1fr}.cookie>div .btn:last-child{grid-column:1/-1;grid-row:1}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}.modal{padding:32px 20px}.actions{flex-direction:column}.whatsapp{bottom:18px;right:14px}}
@media(max-width:370px){h1{font-size:40px}.brand img{width:180px}.stats,.steps{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-grid>div{grid-column:1!important}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}