:root{
    --teal:#17C9C1;
    --teal-d:#0fa39c;
    --teal-dd:#0a7d77;
    --teal-soft:#e6faf9;
    --teal-soft2:#d2f5f3;
    --ink:#0d1b1a;
    --ink2:#475352;
    --ink3:#7a8584;
    --white:#ffffff;
    --bg:#ffffff;
    --bg-soft:#f4fbfb;
    --bg-mint:#eefbfa;
    --navy:#0b2b3a;
    --coral:#ff7a59;
    --amber:#ffb547;
    --linea:#c7dbd8;
    --radius:18px;
    --sombra:0 24px 60px rgba(13,27,26,.10);
    --sombra-teal:0 18px 40px rgba(23,201,193,.28);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{font-family:'Inter',sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;overflow-x:hidden}
  h1,h2,h3,h4,.head{font-family:'Poppins',sans-serif;font-weight:700;line-height:1.15;letter-spacing:-.5px}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:1180px;margin:0 auto;padding:0 24px}
  .teal{color:var(--teal-d)}
  .btn{display:inline-flex;align-items:center;gap:9px;padding:15px 30px;border-radius:50px;font-weight:600;font-size:15px;cursor:pointer;border:none;transition:.3s;letter-spacing:.2px;font-family:'Inter'}
  .btn-teal{background:linear-gradient(135deg,var(--teal),var(--teal-d));color:#fff;box-shadow:var(--sombra-teal)}
  .btn-teal:hover{transform:translateY(-3px);box-shadow:0 22px 48px rgba(23,201,193,.42)}
  .btn-dark{background:var(--ink);color:#fff}
  .btn-dark:hover{transform:translateY(-3px);background:#000}
  .btn-ghost{background:transparent;border:1.5px solid var(--linea);color:var(--ink)}
  .btn-ghost:hover{border-color:var(--teal);color:var(--teal-d);background:var(--teal-soft)}
  .btn-white{background:#fff;color:var(--teal-d)}
  .btn-white:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(0,0,0,.18)}

  /* NAV */
  header{position:fixed;top:0;left:0;right:0;z-index:100;transition:.4s;padding:18px 0}
  header.scrolled{background:rgba(255,255,255,.92);backdrop-filter:blur(12px);box-shadow:0 6px 26px rgba(13,27,26,.07);padding:12px 0}
  .nav{display:flex;align-items:center;justify-content:space-between}
  .logo{display:flex;align-items:center;gap:12px;font-family:'Poppins';font-size:23px;font-weight:800;color:var(--ink)}
  .logo .mark{width:44px;height:44px;border-radius:13px;background:linear-gradient(135deg,var(--teal),var(--teal-d));display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;font-weight:800;box-shadow:var(--sombra-teal)}
  .logo small{display:block;font-family:'Inter';font-size:9.5px;letter-spacing:2.5px;color:var(--ink3);text-transform:uppercase;font-weight:600}
  .logo-img{height:72px;width:auto;display:block;transition:.4s}
  header.scrolled .logo-img{height:56px}
  .menu{display:flex;gap:30px;list-style:none;font-size:14.5px;font-weight:500}
  .menu a{color:var(--ink2);transition:.25s}
  .menu a:hover{color:var(--teal-d)}
  .nav-cta{display:inline-flex}
  .burger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none}
  .burger span{width:26px;height:2.5px;background:var(--teal-d);border-radius:2px;transition:.3s}
  /* Menú desplegable */
  .has-drop{position:relative}
  .drop-toggle{font-family:'Inter';font-size:14.5px;font-weight:500;color:var(--ink2);background:none;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;padding:0}
  .drop-toggle:hover{color:var(--teal-d)}
  .drop-toggle .caret{font-size:11px;transition:.3s}
  .has-drop.open .drop-toggle .caret{transform:rotate(180deg)}
  .drop-menu{list-style:none;position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%) translateY(8px);min-width:250px;background:#fff;border:2px solid var(--linea);border-radius:14px;box-shadow:var(--sombra);padding:8px;opacity:0;visibility:hidden;transition:.25s;z-index:120}
  .has-drop:hover .drop-menu,.has-drop.open .drop-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
  .drop-menu a{display:block;padding:10px 14px;border-radius:9px;font-size:14px;color:var(--ink2);font-weight:500;transition:.2s}
  .drop-menu a:hover{background:var(--teal-soft);color:var(--teal-d)}
  section[id],[id^="cat-"]{scroll-margin-top:92px}

  /* HERO */
  .hero{position:relative;min-height:100vh;display:flex;align-items:center;padding:130px 0 80px;overflow:hidden;background:var(--bg)}
  .hero::before{content:"";position:absolute;inset:0;background:
    radial-gradient(800px 600px at 82% 12%,var(--teal-soft),transparent 60%),
    radial-gradient(640px 520px at 5% 95%,rgba(255,181,71,.13),transparent 60%),
    linear-gradient(180deg,#fff,var(--bg-soft));z-index:-2}
  .hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(23,201,193,.07) 1px,transparent 1px),linear-gradient(90deg,rgba(23,201,193,.07) 1px,transparent 1px);background-size:58px 58px;z-index:-1;mask-image:radial-gradient(ellipse at center,black,transparent 72%)}
  .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
  .badge{display:inline-flex;align-items:center;gap:8px;padding:8px 18px;border:1px solid var(--teal-soft2);border-radius:50px;font-size:13px;color:var(--teal-dd);background:var(--teal-soft);margin-bottom:26px;letter-spacing:.3px;font-weight:600}
  .hero h1{font-size:clamp(38px,5.6vw,62px);margin-bottom:22px;color:var(--ink)}
  .hero h1 span{color:var(--teal-d)}
  .hero p.lead{font-size:18px;color:var(--ink2);max-width:520px;margin-bottom:34px}
  .hero-actions{display:flex;gap:16px;flex-wrap:wrap}
  .trust{display:flex;gap:38px;margin-top:50px;flex-wrap:wrap}
  .trust .num{font-family:'Poppins';font-size:34px;color:var(--teal-d);font-weight:800}
  .trust .lbl{font-size:13px;color:var(--ink2)}

  /* QUOTE FORM */
  .quote-card{background:#fff;border:2px solid var(--linea);border-radius:24px;padding:34px;box-shadow:var(--sombra);position:relative}
  .quote-card::before{content:"";position:absolute;top:-2px;left:24px;right:24px;height:5px;border-radius:0 0 6px 6px;background:linear-gradient(90deg,var(--teal),var(--amber))}
  .quote-card h3{font-size:25px;margin-bottom:6px;color:var(--ink)}
  .quote-card .sub{font-size:13.5px;color:var(--ink2);margin-bottom:22px}
  .field{margin-bottom:14px}
  .field label{display:block;font-size:12.5px;color:var(--ink2);margin-bottom:6px;font-weight:600}
  .field input,.field select,.field textarea{width:100%;padding:13px 15px;background:var(--bg-soft);border:2px solid var(--linea);border-radius:11px;color:var(--ink);font-family:inherit;font-size:14.5px;transition:.25s}
  .field input::placeholder,.field textarea::placeholder{color:var(--ink3)}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 4px var(--teal-soft)}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .quote-card .btn{width:100%;justify-content:center;margin-top:8px}
  .form-note{font-size:11.5px;color:var(--ink3);text-align:center;margin-top:12px}
  .ok-msg{display:none;text-align:center;padding:30px 10px}
  .ok-msg .check{width:64px;height:64px;border-radius:50%;background:var(--teal-soft);border:2px solid var(--teal);color:var(--teal-d);font-size:30px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
  .veh-fields{display:none;border-top:1px dashed var(--linea);margin-top:4px;padding-top:14px}
  .veh-fields.show{display:block;animation:vehIn .35s ease}
  @keyframes vehIn{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
  .veh-fields .vh{font-size:11.5px;font-weight:700;color:var(--teal-d);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:12px}

  /* ASEGURADORAS / SEGUROS MÁS UTILIZADOS */
  .insurers .sec-head{margin-bottom:42px}
  .insurers-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:16px}
  .ins{flex:0 1 165px;height:104px;border:2px solid var(--linea);border-radius:14px;background:#fff;display:flex;align-items:center;justify-content:center;padding:16px;transition:.3s}
  .ins:hover{box-shadow:var(--sombra);border-color:transparent;transform:translateY(-4px)}
  .ins img{max-width:100%;max-height:100%;object-fit:contain}
  .ins .ins-fb{display:none;font-family:'Poppins';font-weight:700;font-size:13px;color:var(--ink2);text-align:center;line-height:1.25}

  /* SECTIONS */
  .sec{padding:100px 0}
  .sec-head{text-align:center;max-width:680px;margin:0 auto 60px}
  .eyebrow{font-size:13px;letter-spacing:3px;text-transform:uppercase;color:var(--teal-d);margin-bottom:14px;font-weight:700}
  .sec-head h2{font-size:clamp(30px,4.2vw,46px);margin-bottom:16px;color:var(--ink)}
  .sec-head h2::after{content:"";display:block;width:66px;height:4px;border-radius:3px;background:linear-gradient(90deg,var(--teal),var(--amber));margin:16px auto 0}
  .sec-head p{color:var(--ink2);font-size:16.5px}

  /* SERVICES */
  .services{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .card{background:#fff;border:2px solid var(--linea);border-radius:var(--radius);padding:36px 30px;transition:.35s;position:relative;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 8px 26px rgba(13,27,26,.06)}
  .card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent,var(--teal));transform:scaleX(0);transform-origin:left;transition:.4s}
  .card:hover{transform:translateY(-8px);box-shadow:var(--sombra);border-color:transparent}
  .card:hover::before{transform:scaleX(1)}
  .card .ico{width:60px;height:60px;border-radius:16px;background:var(--accent-soft,var(--teal-soft));display:flex;align-items:center;justify-content:center;margin-bottom:22px;color:var(--accent,var(--teal-d))}
  .card h3{font-size:22px;margin-bottom:10px;color:var(--ink)}
  .card p{color:var(--ink2);font-size:14.5px;margin-bottom:16px}
  .card ul{list-style:none;font-size:13.5px;color:var(--ink2)}
  .card ul li{padding:5px 0 5px 24px;position:relative}
  .card ul li::before{content:"✓";position:absolute;left:0;color:var(--accent,var(--teal-d));font-weight:800}
  .card.c1{--accent:var(--coral);--accent-soft:#ffeee9}
  .card.c2{--accent:var(--teal-d);--accent-soft:var(--teal-soft)}
  .card.c3{--accent:var(--amber);--accent-soft:#fff5e3}
  .card.c4{--accent:#2b6cb0;--accent-soft:#e8f1fb}
  .card.c5{--accent:#7c5cff;--accent-soft:#efeaff}
  .card.c6{--accent:#2faf6a;--accent-soft:#e6f7ee}
  .card .ramos{list-style:none;font-size:13.5px;color:var(--ink2);margin-top:auto}
  .card .ramos li{padding:5px 0 5px 24px;position:relative}
  .card .ramos li::before{content:"✓";position:absolute;left:0;color:var(--accent,var(--teal-d));font-weight:800}
  .card-wa{display:inline-flex;align-items:center;justify-content:center;gap:9px;align-self:flex-start;margin-top:24px;padding:12px 22px;border-radius:50px;font-family:'Inter';font-weight:600;font-size:14px;color:#fff;background:var(--accent,var(--teal-d));transition:.3s;cursor:pointer}
  .card-wa:hover{transform:translateY(-3px);filter:brightness(1.05);box-shadow:0 12px 26px rgba(13,27,26,.16)}
  .card-wa svg{width:18px;height:18px;fill:currentColor;flex:none}

  /* ABOUT */
  .about{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
  .about-visual{position:relative;border-radius:24px;padding:48px 40px;background:linear-gradient(150deg,var(--teal),var(--teal-dd));color:#fff;box-shadow:var(--sombra-teal);overflow:hidden}
  .about-visual::after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;background:rgba(255,255,255,.10);bottom:-90px;right:-70px}
  .portrait{width:120px;height:120px;border-radius:50%;margin-bottom:24px;border:3px solid rgba(255,255,255,.6);overflow:hidden;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;position:relative;z-index:1}
  .portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 22%}
  .portrait .pfb{display:none;font-family:'Poppins';font-weight:800;font-size:38px;color:#fff}
  .about-visual .quote{font-family:'Poppins';font-size:25px;font-weight:600;line-height:1.4;margin-bottom:24px;position:relative}
  .about-visual .who{display:flex;align-items:center;gap:14px;position:relative}
  .about-visual .who b{display:block;font-size:16px}
  .about-visual .who span{font-size:13px;opacity:.9}
  .about h2{font-size:clamp(28px,3.8vw,42px);margin-bottom:20px;color:var(--ink)}
  .about p{color:var(--ink2);margin-bottom:18px}
  .feat{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:28px}
  .feat .it{display:flex;gap:12px;align-items:flex-start}
  .feat .it .d{width:38px;height:38px;flex:none;border-radius:11px;background:var(--teal-soft);display:flex;align-items:center;justify-content:center;color:var(--teal-d);font-weight:800}
  .feat .it b{font-size:14.5px;color:var(--ink)}
  .feat .it p{font-size:13px;margin:0}
  .cred{display:inline-flex;align-items:center;gap:9px;margin-top:26px;padding:10px 16px;border:1px solid var(--teal-soft2);background:var(--teal-soft);border-radius:50px;font-size:12.5px;color:var(--teal-dd);font-weight:600}

  /* STEPS */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
  .step{text-align:center;padding:32px 18px;border:2px solid var(--linea);border-radius:var(--radius);background:#fff;transition:.3s;box-shadow:0 6px 20px rgba(13,27,26,.05)}
  .step:hover{transform:translateY(-6px);box-shadow:var(--sombra);border-color:transparent}
  .step .n{font-family:'Poppins';font-size:42px;color:var(--teal);font-weight:800}
  .step h4{font-size:18px;margin:6px 0 8px;color:var(--ink)}
  .step p{font-size:13.5px;color:var(--ink2)}

  /* CTA BAND */
  .cta-band{background:linear-gradient(125deg,var(--teal),var(--teal-dd));border-radius:28px;padding:58px 50px;text-align:center;color:#fff;position:relative;overflow:hidden}
  .cta-band::before,.cta-band::after{content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.10)}
  .cta-band::before{width:200px;height:200px;top:-70px;left:-50px}
  .cta-band::after{width:260px;height:260px;bottom:-110px;right:-60px}
  .cta-band h2{font-size:clamp(28px,4vw,42px);margin-bottom:12px;color:#fff;position:relative}
  .cta-band p{font-size:17px;margin-bottom:28px;color:rgba(255,255,255,.92);position:relative}
  .cta-band .btn{position:relative}

  /* TESTIMONIALS */
  .tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .tcard{background:#fff;border:1px solid var(--linea);border-radius:var(--radius);padding:30px;transition:.3s}
  .tcard:hover{box-shadow:var(--sombra);border-color:transparent;transform:translateY(-5px)}
  .tcard .stars{color:var(--amber);margin-bottom:14px;letter-spacing:3px;font-size:15px}
  .tcard p{font-size:14.5px;color:var(--ink);margin-bottom:18px}
  .tcard .who{display:flex;align-items:center;gap:12px}
  .tcard .who .av{width:44px;height:44px;border-radius:50%;background:var(--teal-soft);display:flex;align-items:center;justify-content:center;color:var(--teal-d);font-weight:800}
  .tcard .who b{font-size:14px;display:block;color:var(--ink)}
  .tcard .who span{font-size:12px;color:var(--ink3)}

  /* FAQ */
  .faq{max-width:820px;margin:0 auto}
  .qa{border:2px solid var(--linea);border-radius:14px;margin-bottom:12px;overflow:hidden;background:#fff;transition:.3s}
  .qa.open{border-color:var(--teal);box-shadow:0 10px 30px rgba(23,201,193,.12)}
  .qa button{width:100%;text-align:left;padding:20px 24px;background:none;border:none;color:var(--ink);font-size:16px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:'Inter';gap:16px}
  .qa button .pm{color:var(--teal-d);font-size:24px;transition:.3s;flex:none;line-height:1}
  .qa .ans{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--ink2);font-size:14.5px}
  .qa .ans p{padding:0 24px 20px}
  .qa.open .ans{max-height:260px}
  .qa.open .pm{transform:rotate(45deg)}

  /* CONTACT */
  .contact{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
  .contact-info .item{display:flex;gap:16px;align-items:flex-start;margin-bottom:24px}
  .contact-info .item .ic{width:50px;height:50px;flex:none;border-radius:14px;background:var(--teal-soft);display:flex;align-items:center;justify-content:center;font-size:20px}
  .contact-info .item b{font-size:15px;display:block;margin-bottom:3px;color:var(--ink)}
  .contact-info .item span,.contact-info .item a{color:var(--ink2);font-size:14.5px}
  .contact-info .item a:hover{color:var(--teal-d)}
  .map-embed{border-radius:var(--radius);overflow:hidden;border:2px solid var(--linea);box-shadow:var(--sombra)}
  .map-embed iframe{width:100%;height:330px;border:0}

  /* SOCIAL */
  .socials{display:flex;gap:12px;margin-top:18px}
  .socials a{width:42px;height:42px;border-radius:11px;display:flex;align-items:center;justify-content:center;background:var(--teal-soft);color:var(--teal-d);transition:.3s}
  .socials a:hover{background:var(--teal-d);color:#fff;transform:translateY(-3px)}
  .socials svg{width:20px;height:20px;fill:currentColor}
  footer .socials a{background:rgba(255,255,255,.08);color:#cdd6d5}
  footer .socials a:hover{background:var(--teal);color:#fff}

  /* FOOTER */
  footer{background:var(--ink);color:#cdd6d5;padding:60px 0 28px;margin-top:40px}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
  footer .logo{color:#fff}
  footer .logo small{color:#7d8a89}
  .foot-grid p{color:#9aa6a5;font-size:14px;margin-top:14px;max-width:320px}
  .foot-col h5{font-size:13px;letter-spacing:2px;text-transform:uppercase;color:var(--teal);margin-bottom:16px;font-family:'Poppins'}
  .foot-col a{display:block;color:#9aa6a5;font-size:14px;padding:6px 0;transition:.2s}
  .foot-col a:hover{color:var(--teal)}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.10);padding-top:24px;text-align:center;color:#7d8a89;font-size:13px}
  .foot-bottom a{color:#9aa6a5}
  .foot-bottom a:hover{color:var(--teal)}

  /* WHATSAPP FLOAT */
  .wa-float{position:fixed;bottom:24px;right:24px;width:60px;height:60px;border-radius:50%;background:#25d366;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 30px rgba(37,211,102,.5);z-index:90;transition:.3s}
  .wa-float:hover{transform:scale(1.1)}
  .wa-float svg{width:32px;height:32px;fill:#fff}

  /* MODAL PRIVACIDAD */
  .modal{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:24px;background:rgba(13,27,26,.55);backdrop-filter:blur(4px)}
  .modal.open{display:flex}
  .modal-box{background:#fff;border-radius:20px;max-width:680px;width:100%;max-height:85vh;overflow-y:auto;padding:40px;box-shadow:var(--sombra);position:relative}
  .modal-box h3{font-size:26px;margin-bottom:6px;color:var(--ink)}
  .modal-box .upd{font-size:12.5px;color:var(--ink3);margin-bottom:20px}
  .modal-box h4{font-size:16px;margin:20px 0 8px;color:var(--ink)}
  .modal-box p{font-size:14px;color:var(--ink2);margin-bottom:10px}
  .modal-close{position:absolute;top:18px;right:18px;width:38px;height:38px;border-radius:10px;border:1px solid var(--linea);background:var(--bg-soft);color:var(--ink2);font-size:20px;cursor:pointer;line-height:1;transition:.25s}
  .modal-close:hover{background:var(--teal-soft);color:var(--teal-d)}

  /* PANTALLA DE CARGA (preloader + transición entre secciones) */
  .loader{position:fixed;inset:0;z-index:300;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#ffffff,var(--bg-mint));transition:opacity .5s ease,visibility .5s ease}
  .loader.hide{opacity:0;visibility:hidden}
  .loader-inner{display:flex;flex-direction:column;align-items:center;gap:24px}
  .loader-inner img{height:92px;width:auto;animation:loaderPulse 1.2s ease-in-out infinite}
  .loader-fb{display:none;font-family:'Poppins';font-weight:800;font-size:42px;letter-spacing:1px;color:var(--ink)}
  .loader-bar{width:170px;height:5px;border-radius:4px;background:var(--teal-soft);overflow:hidden;position:relative}
  .loader-bar span{position:absolute;top:0;height:100%;width:42%;border-radius:4px;background:linear-gradient(90deg,var(--teal),var(--teal-d));animation:loaderBar 1.1s ease-in-out infinite}
  @keyframes loaderPulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.07);opacity:.82}}
  @keyframes loaderBar{0%{left:-42%}100%{left:100%}}

  .reveal{opacity:0;transform:translateY(30px);transition:.7s cubic-bezier(.2,.7,.2,1)}
  .reveal.in{opacity:1;transform:none}

  @media(max-width:980px){
    .hero-grid,.about,.contact{grid-template-columns:1fr;gap:40px}
    .services,.tgrid{grid-template-columns:1fr}
    .steps{grid-template-columns:1fr 1fr}
    .insurers-grid{grid-template-columns:repeat(4,1fr)}
    .foot-grid{grid-template-columns:1fr 1fr;gap:30px}
    .menu,.nav-cta{display:none}
    .burger{display:flex}
    .menu.show{display:flex;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:#fff;padding:24px;gap:18px;box-shadow:0 12px 30px rgba(13,27,26,.10)}
    .menu.show{max-height:calc(100vh - 64px);overflow-y:auto}
    .has-drop .drop-menu,.has-drop:hover .drop-menu{position:static !important;left:auto !important;transform:none !important;opacity:1;visibility:visible;display:none;border:none;box-shadow:none;padding:2px 0 6px 14px;min-width:0;background:transparent}
    .has-drop.open .drop-menu{display:block !important}
    .has-drop .drop-menu a{padding:9px 6px}
    .drop-toggle{width:100%;justify-content:space-between;font-size:15px}
    .feat{grid-template-columns:1fr}
  }
  @media(max-width:560px){
    .row2{grid-template-columns:1fr}
    .steps{grid-template-columns:1fr}
    .insurers-grid{grid-template-columns:repeat(2,1fr)}
    .foot-grid{grid-template-columns:1fr;gap:26px}
    .foot-grid p{max-width:100%}
    .cta-band{padding:42px 24px}
    .trust{gap:24px}
    .modal-box{padding:28px 22px}
  }


  /* ===== PÁGINAS INTERNAS ===== */
  .page-top{padding:150px 0 54px;background:linear-gradient(135deg,var(--teal-soft),var(--bg-mint));border-bottom:3px solid var(--linea);position:relative;overflow:hidden}
  .page-top::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:rgba(23,201,193,.10);top:-120px;right:-80px}
  .page-top .crumbs{font-size:13px;color:var(--ink2);margin-bottom:14px;position:relative}
  .page-top .crumbs a{color:var(--teal-d);font-weight:600}
  .page-top .ptag{display:inline-flex;align-items:center;gap:8px;padding:7px 16px;border:2px solid var(--teal-soft2);background:#fff;border-radius:50px;font-size:12.5px;font-weight:700;color:var(--teal-dd);margin-bottom:16px;position:relative}
  .page-top h1{font-size:clamp(30px,4.6vw,48px);color:var(--ink);margin-bottom:14px;position:relative}
  .page-top p{font-size:17px;color:var(--ink2);max-width:700px;position:relative}
  .page-layout{display:grid;grid-template-columns:1fr 330px;gap:40px;align-items:start}
  .ramo-block{background:#fff;border:2px solid var(--linea);border-radius:var(--radius);padding:26px 30px;margin-bottom:20px;box-shadow:0 6px 20px rgba(13,27,26,.05);transition:.3s}
  .ramo-block:hover{border-color:var(--teal-soft2);box-shadow:var(--sombra)}
  .ramo-block h3{font-size:21px;color:var(--ink);margin-bottom:8px;display:flex;align-items:center;gap:12px}
  .ramo-block h3 .dot{width:38px;height:38px;flex:none;border-radius:11px;background:var(--teal-soft);display:flex;align-items:center;justify-content:center;color:var(--teal-d);font-weight:800;font-size:15px}
  .ramo-block p{color:var(--ink2);font-size:14.5px;margin-bottom:14px}
  .ramo-block ul{list-style:none;font-size:13.5px;color:var(--ink2);columns:2;column-gap:26px}
  .ramo-block ul li{padding:5px 0 5px 22px;position:relative;break-inside:avoid}
  .ramo-block ul li::before{content:"✓";position:absolute;left:0;color:var(--teal-d);font-weight:800}
  .side-cta{position:sticky;top:104px;background:linear-gradient(150deg,var(--teal),var(--teal-dd));color:#fff;border-radius:var(--radius);padding:32px;box-shadow:var(--sombra-teal)}
  .side-cta h3{color:#fff;font-size:21px;margin-bottom:8px}
  .side-cta p{font-size:14px;opacity:.93;margin-bottom:20px}
  .side-cta .btn{width:100%;justify-content:center;margin-bottom:12px}
  .side-cta .btn-white2{background:rgba(255,255,255,.15);color:#fff;border:2px solid rgba(255,255,255,.5)}
  .side-cta .btn-white2:hover{background:rgba(255,255,255,.25)}
  .home-cards .card{cursor:pointer;text-decoration:none}
  .home-cards .card .more{margin-top:auto;color:var(--accent,var(--teal-d));font-weight:700;font-size:14px;display:inline-flex;align-items:center;gap:6px}
  @media(max-width:860px){.page-layout{grid-template-columns:1fr}.side-cta{position:static}.ramo-block ul{columns:1}}

  /* Seguridad responsiva (evita desbordes horizontales en móvil) */
  html{overflow-x:hidden}
  img,svg,iframe,video{max-width:100%}
  .wrap{width:100%}

  /* Respaldo: si un optimizador bloquea el JS, la pantalla de carga se oculta sola */
  #loader{animation:loaderFailsafe 0s linear 4s forwards}
  @keyframes loaderFailsafe{to{opacity:0;visibility:hidden}}