/* === RESET & BASE === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Inter',sans-serif;color:#1a1a2e;line-height:1.6;overflow-x:hidden}
img{max-width:100%;height:auto}
a{text-decoration:none;color:inherit}

/* === BRAND COLORS === */
:root{
  --navy:#0A1E5C;
  --blue:#1565C0;
  --blue-light:#4A90D9;
  --celeste:#6DB9E8;
  --green:#2E9B3A;
  --green-light:#5BC45F;
  --gold:#D4A843;
  --gray:#6B7280;
  --gray-light:#F3F4F6;
  --white:#FFFFFF;
  --dark:#0A1E3D;
  --text:#2D3436;
  --text-light:#636E72;
  --shadow:0 4px 24px rgba(10,30,92,0.08);
  --shadow-lg:0 12px 48px rgba(10,30,92,0.12);
  --radius:12px;
  --transition:all 0.3s cubic-bezier(0.4,0,0.2,1);
}

/* === NAVIGATION === */
.nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,0.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(10,30,92,0.06);transition:var(--transition)}
.nav.scrolled{box-shadow:var(--shadow)}
.nav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:12px 24px}
.nav-logo{display:flex;align-items:center;gap:12px}
.nav-logo img{height:44px;width:auto}
.nav-links{display:flex;gap:8px;align-items:center}
.nav-links a{padding:8px 16px;font-size:14px;font-weight:500;color:var(--text);border-radius:8px;transition:var(--transition)}
.nav-links a:hover{color:var(--blue);background:rgba(21,101,192,0.06)}
.nav-cta{background:var(--green)!important;color:var(--white)!important;font-weight:600!important;padding:10px 24px!important;border-radius:24px!important}
.nav-cta:hover{background:var(--navy)!important;transform:translateY(-1px)}
.nav-menu-btn{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-menu-btn span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:var(--transition)}

/* === HERO === */
.hero{min-height:100vh;display:flex;align-items:center;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--dark) 0%,var(--navy) 40%,#1B3A6C 70%,var(--blue) 90%)}
.hero-bg{position:absolute;inset:0;background-image:url('hero-bg.jpg');background-size:cover;background-position:center;opacity:1;z-index:0}
.hero::after{content:'';position:absolute;inset:0;background:linear-gradient(to bottom,rgba(10,30,61,0.85) 0%,rgba(10,30,92,0.80) 100%);z-index:1}
.hero-inner{max-width:900px;margin:0 auto;padding:140px 24px 100px;text-align:center;position:relative;z-index:2}
.hero-inner h1{font-size:62px;font-weight:800;color:var(--white);line-height:1.1;margin-bottom:24px}
.hero-inner h1 em{font-style:normal;color:var(--green-light)}
.hero-inner > p{font-size:20px;color:rgba(255,255,255,0.75);margin-bottom:56px;line-height:1.7;max-width:580px;margin-left:auto;margin-right:auto}
.hero-stats{display:flex;gap:0;margin-bottom:52px;background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.1);border-radius:20px;overflow:hidden;backdrop-filter:blur(12px)}
.hero-stat{flex:1;text-align:center;padding:32px 24px;border-right:1px solid rgba(255,255,255,0.08)}
.hero-stat:last-child{border-right:none}
.hero-stat .num{font-size:56px;font-weight:800;color:var(--green-light);line-height:1;letter-spacing:-1px}
.hero-stat .label{font-size:11px;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:2px;margin-top:8px}
.hero-buttons{display:flex;gap:16px;flex-wrap:wrap;justify-content:center}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 32px;border-radius:28px;font-size:15px;font-weight:600;transition:var(--transition);cursor:pointer;border:none}
.btn-primary{background:var(--green);color:var(--white)}
.btn-primary:hover{background:#258030;transform:translateY(-2px);box-shadow:0 8px 24px rgba(46,155,58,0.3)}
.btn-secondary{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,0.3)}
.btn-secondary:hover{border-color:var(--white);background:rgba(255,255,255,0.08)}

/* === SECTIONS === */
section{padding:100px 24px}
.section-inner{max-width:1200px;margin:0 auto}
.section-tag{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--green);margin-bottom:12px;padding:6px 16px;background:rgba(46,155,58,0.08);border-radius:20px}
.section-title{font-size:40px;font-weight:800;color:var(--navy);margin-bottom:16px;line-height:1.2}
.section-subtitle{font-size:18px;color:var(--text-light);max-width:640px;margin-bottom:48px;line-height:1.7}

/* === SEGUROS / SEGMENTOS === */
.seguros{background:linear-gradient(160deg,#eef2ff 0%,#f3f4f6 50%,#eef4ff 100%)}
.seguros .section-inner{text-align:center}
.seguros .section-subtitle{margin-left:auto;margin-right:auto}
.seguros-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.seguro-card{background:rgba(255,255,255,0.5);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid rgba(255,255,255,0.75);border-top:4px solid transparent;border-radius:var(--radius);padding:24px 20px 20px;box-shadow:0 4px 24px rgba(10,30,92,0.10),inset 0 1px 0 rgba(255,255,255,0.9);transition:var(--transition);position:relative;overflow:hidden;text-align:center}
.seguro-card:hover{transform:translateY(-4px);background:rgba(255,255,255,0.68);box-shadow:0 12px 40px rgba(10,30,92,0.14),inset 0 1px 0 rgba(255,255,255,0.95)}
.seguro-card:nth-child(1){border-top-color:var(--navy)}
.seguro-card:nth-child(2){border-top-color:var(--blue)}
.seguro-card:nth-child(3){border-top-color:var(--blue-light)}
.seguro-card:nth-child(4){border-top-color:var(--celeste)}
.seguro-icon{width:56px;height:56px;border-radius:14px;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;box-shadow:0 4px 16px rgba(10,30,92,0.22)}
.seguro-card:nth-child(1) .seguro-icon{background:linear-gradient(135deg,var(--navy),var(--blue))}
.seguro-card:nth-child(2) .seguro-icon{background:linear-gradient(135deg,var(--blue),var(--blue-light))}
.seguro-card:nth-child(3) .seguro-icon{background:linear-gradient(135deg,var(--navy),var(--blue-light))}
.seguro-card:nth-child(4) .seguro-icon{background:linear-gradient(135deg,var(--blue),var(--celeste))}
.seguro-card h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:6px}
.seguro-card p{font-size:13px;color:var(--text-light);margin-bottom:12px;line-height:1.55}
.seguro-products{display:flex;flex-wrap:wrap;gap:5px;margin-bottom:14px;justify-content:center}
.seguro-products span{font-size:11px;padding:4px 10px;background:rgba(21,101,192,0.07);border-radius:12px;color:var(--blue);font-weight:500}
.seguro-card::before{content:attr(data-num);position:absolute;top:-4px;right:14px;font-size:88px;font-weight:900;line-height:1;color:rgba(10,30,92,0.05);pointer-events:none;user-select:none;z-index:0}
.seguro-card .btn-link{font-size:12px;font-weight:600;color:var(--green);display:inline-flex;align-items:center;justify-content:center;gap:4px;border:1.5px solid rgba(46,155,58,0.35);border-radius:20px;padding:6px 16px;transition:var(--transition)}
.seguro-card .btn-link:hover{background:var(--green);color:white;border-color:var(--green);gap:6px}

/* === QUIENES SOMOS === */
#nosotros{background:linear-gradient(160deg,#fafbff 0%,#f7f9ff 60%,#fafafa 100%);padding:0 0 100px}
.nosotros-header{text-align:center;padding:80px 24px 0;max-width:680px;margin:0 auto 40px}
.nosotros-text{text-align:center;max-width:680px;margin:0 auto 56px;padding:0 24px}
.nosotros-text .about-text{font-size:16px;color:var(--text);line-height:1.8;margin-bottom:20px}
.about-callout{background:rgba(46,155,58,0.07);border:1px solid rgba(46,155,58,0.18);border-radius:var(--radius);padding:14px 24px;font-size:16px;font-weight:600;color:var(--navy);line-height:1.5;text-align:center}
.nosotros-stats-bar{background:linear-gradient(135deg,var(--dark) 0%,var(--navy) 100%);padding:48px 24px;margin-bottom:56px}
.nosotros-stats{max-width:1200px;margin:0 auto;display:flex;align-items:center}
.nosotros-stat{flex:1;text-align:center;padding:16px;border-right:1px solid rgba(255,255,255,0.08)}
.nosotros-stat:last-child{border-right:none}
.nosotros-stat .num{font-size:52px;font-weight:800;color:var(--green-light);line-height:1;letter-spacing:-1px}
.nosotros-stat .label{font-size:11px;color:rgba(255,255,255,0.5);text-transform:uppercase;letter-spacing:2px;margin-top:8px}
.timeline-bar{display:flex;align-items:flex-start;max-width:600px;margin:40px auto 0;position:relative}
.timeline-bar::before{content:'';position:absolute;top:7px;left:10%;right:10%;height:2px;background:linear-gradient(to right,rgba(255,255,255,0.2),rgba(255,255,255,0.35),rgba(91,196,95,0.5));z-index:0}
.timeline-bar div{flex:1;text-align:center;padding:0 8px;position:relative;z-index:1}
.timeline-bar div::before{content:'';display:block;width:16px;height:16px;border-radius:50%;margin:0 auto 10px}
.timeline-bar div:nth-child(1)::before{background:var(--navy);border:2px solid rgba(255,255,255,0.4)}
.timeline-bar div:nth-child(2)::before{background:var(--blue);border:2px solid var(--blue-light)}
.timeline-bar div:nth-child(3)::before{background:var(--green);border:2px solid var(--green-light)}
.timeline-year{display:block;font-size:14px;font-weight:800;color:var(--white);margin-bottom:2px}
.timeline-label{display:block;font-size:10px;color:rgba(255,255,255,0.5);letter-spacing:0.5px}
.nosotros-img{max-width:960px;margin:0 auto 56px;padding:0 24px}
.oficina-slider{position:relative;border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden}
.oficina-slider-track{display:flex;transition:transform 0.5s cubic-bezier(0.4,0,0.2,1)}
.oficina-slider-track img{width:100%;flex:0 0 100%;display:block;object-fit:cover;height:340px}
.oficina-slider-btn{position:absolute;top:50%;transform:translateY(-50%);width:40px;height:40px;border:none;border-radius:50%;background:rgba(10,30,92,0.55);color:var(--white);font-size:24px;line-height:1;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:var(--transition);z-index:2}
.oficina-slider-btn:hover{background:rgba(10,30,92,0.85)}
.oficina-slider-btn.prev{left:14px}
.oficina-slider-btn.next{right:14px}
.oficina-slider-dots{position:absolute;left:0;right:0;bottom:14px;display:flex;justify-content:center;gap:8px;z-index:2}
.oficina-slider-dots .dot{width:9px;height:9px;padding:0;border:none;border-radius:50%;background:rgba(255,255,255,0.55);cursor:pointer;transition:var(--transition)}
.oficina-slider-dots .dot.active{background:var(--white);width:22px;border-radius:5px}
@media(max-width:600px){.oficina-slider-track img{height:220px}.oficina-slider-btn{width:34px;height:34px;font-size:20px}}
.nosotros-values{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:0 24px}
.nosotros-value-card{background:rgba(255,255,255,0.6);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,0.8);border-radius:var(--radius);padding:28px 20px;text-align:center;box-shadow:var(--shadow);transition:var(--transition)}
.nosotros-value-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.about-value-icon{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.nosotros-value-card:nth-child(1) .about-value-icon{background:linear-gradient(135deg,var(--navy),var(--blue))}
.nosotros-value-card:nth-child(2) .about-value-icon{background:linear-gradient(135deg,var(--blue),var(--blue-light))}
.nosotros-value-card:nth-child(3) .about-value-icon{background:linear-gradient(135deg,var(--navy),var(--blue-light))}
.nosotros-value-card:nth-child(4) .about-value-icon{background:linear-gradient(135deg,var(--blue),var(--celeste))}
.nosotros-value-card h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.nosotros-value-card p{font-size:13px;color:var(--text-light)}

/* === AUDITORIA === */
.auditoria{background:linear-gradient(135deg,var(--navy) 0%,#1B3A6C 100%);color:var(--white)}
.auditoria-header{text-align:center}
.auditoria-header .section-subtitle{margin-left:auto;margin-right:auto}
.auditoria .section-tag{color:var(--green-light);background:rgba(91,196,95,0.12)}
.auditoria .section-title{color:var(--white)}
.auditoria .section-subtitle{color:rgba(255,255,255,0.7)}
.auditoria-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.auditoria-steps{display:flex;flex-direction:column;gap:20px}
.audit-step{display:flex;gap:16px;padding:20px;background:rgba(255,255,255,0.06);border-radius:var(--radius);border:1px solid rgba(255,255,255,0.08);transition:var(--transition)}
.audit-step:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.15)}
.audit-step-num{width:44px;height:44px;border-radius:12px;background:var(--green);display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:800;flex-shrink:0}
.audit-step h4{font-size:16px;font-weight:700;margin-bottom:4px}
.audit-step p{font-size:13px;color:rgba(255,255,255,0.6);line-height:1.5}
.auditoria-cta{background:rgba(255,255,255,0.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,0.1);border-radius:20px;padding:40px;text-align:center}
.audit-report-label{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:rgba(255,255,255,0.5);margin:20px 0 14px;text-align:left}
.audit-report-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:28px;text-align:left}
.audit-report-item{display:flex;gap:10px;padding:12px;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);border-radius:10px;transition:var(--transition)}
.audit-report-item:hover{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.15)}
.audit-report-item .check{flex-shrink:0;width:18px;height:18px;margin-top:1px;border-radius:5px;background:var(--green);color:var(--white);font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center}
.audit-report-item h5{font-size:13px;font-weight:700;margin-bottom:2px;color:var(--white)}
.audit-report-item p{font-size:12px;color:rgba(255,255,255,0.55);line-height:1.4}
@media(max-width:600px){.audit-report-grid{grid-template-columns:1fr}}

/* === PAS === */
.pas{background:var(--gray-light)}
.pas-header{text-align:center;margin-bottom:48px}
.pas-header .section-subtitle{margin-left:auto;margin-right:auto}
.pas-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.pas-benefits{display:flex;flex-direction:column;gap:16px}
.pas-benefit{display:flex;gap:16px;align-items:start;padding:20px;background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow);transition:var(--transition)}
.pas-benefit:hover{transform:translateX(4px);box-shadow:var(--shadow-lg)}
.pas-benefit-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pas-benefit:nth-child(1) .pas-benefit-icon{background:linear-gradient(135deg,var(--navy),var(--blue))}
.pas-benefit:nth-child(2) .pas-benefit-icon{background:linear-gradient(135deg,var(--blue),var(--blue-light))}
.pas-benefit:nth-child(3) .pas-benefit-icon{background:linear-gradient(135deg,var(--navy),var(--blue-light))}
.pas-benefit:nth-child(4) .pas-benefit-icon{background:linear-gradient(135deg,var(--blue),var(--celeste))}
.pas-benefit:nth-child(5) .pas-benefit-icon{background:linear-gradient(135deg,var(--navy),var(--blue))}
.pas-benefit h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.pas-benefit p{font-size:13px;color:var(--text-light);line-height:1.5}
.pas-cta-card{background:linear-gradient(135deg,var(--dark) 0%,var(--navy) 100%);border-radius:20px;box-shadow:var(--shadow-lg);padding:48px;text-align:center}
.pas-cta-card h3{font-size:24px;font-weight:800;color:var(--white);margin-bottom:12px}
.pas-cta-card>p{font-size:15px;color:rgba(255,255,255,0.65);margin-bottom:32px;line-height:1.7}
.pas-cta-note{font-size:12px;color:rgba(255,255,255,0.4);margin-top:16px}

/* === BLOG === */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.blog-card{background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:var(--transition)}
.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.blog-card-img{height:200px;display:flex;align-items:center;justify-content:center;font-size:48px}
.blog-card:nth-child(1) .blog-card-img{background:linear-gradient(135deg,rgba(21,101,192,0.08),rgba(109,185,232,0.15))}
.blog-card:nth-child(2) .blog-card-img{background:linear-gradient(135deg,rgba(46,155,58,0.08),rgba(91,196,95,0.15))}
.blog-card:nth-child(3) .blog-card-img{background:linear-gradient(135deg,rgba(212,168,67,0.08),rgba(212,168,67,0.15))}
.blog-card-body{padding:24px}
.blog-card-tag{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1px;color:var(--green);margin-bottom:8px}
.blog-card-body h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:8px;line-height:1.4}
.blog-card-body p{font-size:13px;color:var(--text-light);line-height:1.6;margin-bottom:16px}
.blog-card-body .read-more{font-size:13px;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:4px}

/* === CONTACTO === */
.contacto{background:linear-gradient(160deg,#ffffff 0%,#eef4ff 60%,#f5f8ff 100%)}
.contacto-header{text-align:center;margin-bottom:56px}
.contacto-header .section-subtitle{margin-left:auto;margin-right:auto}
.contacto-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.contacto-trust{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:32px}
.trust-badge{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;color:var(--navy);background:rgba(21,101,192,0.07);border:1px solid rgba(21,101,192,0.15);border-radius:20px;padding:6px 12px}
.contacto-item{display:flex;gap:16px;align-items:start;margin-bottom:24px}
.contacto-item-icon{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--blue));display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contacto-item h4{font-size:15px;font-weight:600;color:var(--navy);margin-bottom:2px}
.contacto-item p{font-size:14px;color:var(--text-light);margin-top:0}
.contacto-whatsapp{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;margin-top:8px;padding:14px 24px;background:linear-gradient(135deg,#25D366,#128C7E);color:white;font-weight:700;font-size:15px;border-radius:var(--radius);text-decoration:none;transition:var(--transition);box-shadow:0 4px 16px rgba(37,211,102,0.25)}
.contacto-whatsapp:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(37,211,102,0.4)}
.contacto-form{background:var(--white);border-radius:20px;padding:40px;box-shadow:var(--shadow-lg);border-top:4px solid var(--navy)}
.contacto-form h3{font-size:22px;font-weight:700;color:var(--navy);margin-bottom:24px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:2px solid #E5E7EB;border-radius:10px;font-size:14px;font-family:'Inter',sans-serif;transition:var(--transition);background:var(--white)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,101,192,0.08)}
.form-group textarea{resize:vertical;min-height:100px}
.form-submit{width:100%;padding:14px;background:var(--green);color:var(--white);border:none;border-radius:28px;font-size:16px;font-weight:700;cursor:pointer;transition:var(--transition)}
.form-submit:hover:not(:disabled){background:var(--navy);transform:translateY(-1px)}
.form-submit:disabled{opacity:0.6;cursor:not-allowed;transform:none}
.form-msg{padding:14px 18px;border-radius:12px;font-size:14px;font-weight:500;margin-bottom:16px;line-height:1.5}
.form-msg-success{background:rgba(46,155,58,0.09);border:1px solid rgba(46,155,58,0.3);color:#1a6b24}
.form-msg-error{background:rgba(220,38,38,0.07);border:1px solid rgba(220,38,38,0.25);color:#b91c1c}

/* === FOOTER === */
.footer{background:var(--dark);color:var(--white);padding:80px 24px 32px}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px}
.footer-brand p{font-size:14px;color:rgba(255,255,255,0.5);margin-top:16px;line-height:1.7}
.footer-col h4{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:rgba(255,255,255,0.4);margin-bottom:20px}
.footer-col a{display:block;font-size:14px;color:rgba(255,255,255,0.7);padding:6px 0;transition:var(--transition)}
.footer-col a:hover{color:var(--green-light);padding-left:4px}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding-top:24px;display:flex;justify-content:space-between;align-items:center;font-size:13px;color:rgba(255,255,255,0.3)}

/* === WHATSAPP FAB === */
.whatsapp-fab{position:fixed;bottom:24px;right:24px;width:60px;height:60px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 16px rgba(37,211,102,0.4);z-index:999;transition:var(--transition);cursor:pointer;border:none}
.whatsapp-fab:hover{transform:scale(1.1);box-shadow:0 6px 24px rgba(37,211,102,0.5)}
.whatsapp-fab svg{width:32px;height:32px;fill:white}
.whatsapp-tooltip{position:fixed;bottom:92px;right:24px;background:var(--white);color:var(--text);padding:12px 20px;border-radius:12px;box-shadow:var(--shadow-lg);font-size:14px;font-weight:500;z-index:999;opacity:0;transform:translateY(8px);transition:var(--transition);pointer-events:none}
.whatsapp-fab:hover+.whatsapp-tooltip{opacity:1;transform:translateY(0)}

/* === RESPONSIVE === */
@media(max-width:1024px){
  .seguros-grid{grid-template-columns:repeat(2,1fr)}
  .about-grid,.auditoria-grid,.pas-grid,.contacto-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nosotros-values{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;padding:16px;box-shadow:var(--shadow)}
  .nav-links.active{display:flex}
  .nav-menu-btn{display:block}
  .hero-inner h1{font-size:38px}
  .hero-stat .num{font-size:36px}
  .hero-stats{flex-direction:column}
  .hero-stat{border-right:none;border-bottom:1px solid rgba(255,255,255,0.08);padding:20px}
  .hero-stat:last-child{border-bottom:none}
  .section-title{font-size:32px}
  .seguros-grid{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr}
  .about-values{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .about-map-stats{grid-template-columns:1fr}
  .nosotros-stats{flex-wrap:wrap}
  .nosotros-stat{flex:0 0 50%;border-right:none;border-bottom:1px solid rgba(255,255,255,0.08);padding:12px 8px}
  .nosotros-stat:nth-child(odd){border-right:1px solid rgba(255,255,255,0.08)}
  .nosotros-stat:nth-child(3),.nosotros-stat:nth-child(4){border-bottom:none}
  .nosotros-stat .num{font-size:38px}
  .nosotros-stats-bar{padding:32px 16px;margin-bottom:40px}
  .timeline-bar{margin-top:28px}
  .timeline-year{font-size:12px}
  .nosotros-values{grid-template-columns:repeat(2,1fr)}
  .nosotros-header{padding:48px 24px 0}
}

/* === ANIMATIONS === */
@keyframes fadeUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
.animate{opacity:0;transform:translateY(24px);transition:opacity 0.6s ease,transform 0.6s ease}
.animate.visible{opacity:1;transform:translateY(0)}

/* === PROTO BADGE === */
.proto-badge{position:fixed;top:70px;right:16px;background:var(--gold);color:var(--white);padding:6px 14px;border-radius:6px;font-size:11px;font-weight:700;z-index:1001;letter-spacing:0.5px}

/* === CHATBOT === */
.chatbot-overlay{position:fixed;inset:0;background:rgba(10,30,92,0.45);backdrop-filter:blur(4px);z-index:9000;opacity:0;pointer-events:none;transition:var(--transition)}
.chatbot-overlay.active{opacity:1;pointer-events:all}
.chatbot-widget{position:fixed;top:50%;left:50%;transform:translate(-50%,-44%);width:min(420px,calc(100vw - 32px));height:min(580px,calc(100vh - 100px));background:var(--white);border-radius:20px;box-shadow:0 24px 80px rgba(10,30,92,0.28);z-index:9001;display:flex;flex-direction:column;opacity:0;pointer-events:none;transition:all 0.35s cubic-bezier(0.4,0,0.2,1)}
.chatbot-widget.active{opacity:1;pointer-events:all;transform:translate(-50%,-50%)}
.chatbot-header{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 100%);padding:16px 20px;border-radius:20px 20px 0 0;display:flex;align-items:center;justify-content:space-between;flex-shrink:0}
.chatbot-header-info{display:flex;align-items:center;gap:12px}
.chatbot-avatar{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,0.15);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:12px;color:white;letter-spacing:0.5px;flex-shrink:0}
.chatbot-name{font-size:14px;font-weight:700;color:white;line-height:1.2}
.chatbot-status{font-size:11px;color:var(--green-light);font-weight:500;margin-top:2px}
.chatbot-close{background:rgba(255,255,255,0.12);border:none;color:white;width:32px;height:32px;border-radius:8px;cursor:pointer;font-size:15px;display:flex;align-items:center;justify-content:center;transition:var(--transition);flex-shrink:0}
.chatbot-close:hover{background:rgba(255,255,255,0.25)}
.chatbot-messages{flex:1;overflow-y:auto;padding:20px 16px;display:flex;flex-direction:column;gap:10px;background:#f5f7fc;scroll-behavior:smooth}
.chatbot-messages::-webkit-scrollbar{width:4px}
.chatbot-messages::-webkit-scrollbar-thumb{background:rgba(10,30,92,0.15);border-radius:4px}
.chat-bubble{max-width:82%;padding:10px 14px;border-radius:18px;font-size:14px;line-height:1.55;animation:bubbleIn 0.22s ease;word-break:break-word}
@keyframes bubbleIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
.chat-bubble-bot{background:white;color:var(--text);border-radius:4px 18px 18px 18px;align-self:flex-start;box-shadow:0 2px 10px rgba(10,30,92,0.09)}
.chat-bubble-user{background:linear-gradient(135deg,var(--blue),var(--navy));color:white;border-radius:18px 18px 4px 18px;align-self:flex-end}
.chat-typing{display:flex;gap:5px;align-items:center;padding:12px 16px;background:white;border-radius:4px 18px 18px 18px;align-self:flex-start;box-shadow:0 2px 10px rgba(10,30,92,0.09);animation:bubbleIn 0.22s ease}
.chat-typing span{width:7px;height:7px;border-radius:50%;background:var(--blue-light);display:block;animation:typingDot 1.1s infinite ease-in-out}
.chat-typing span:nth-child(2){animation-delay:0.18s}
.chat-typing span:nth-child(3){animation-delay:0.36s}
@keyframes typingDot{0%,60%,100%{transform:translateY(0);opacity:0.4}30%{transform:translateY(-6px);opacity:1}}
.chat-actions{display:flex;flex-direction:column;gap:8px;align-self:stretch;margin-top:4px;animation:bubbleIn 0.22s ease}
.chat-btn-wa{background:#25D366;color:white;border:none;padding:13px 20px;border-radius:14px;font-size:14px;font-weight:600;cursor:pointer;transition:var(--transition);display:flex;align-items:center;justify-content:center;gap:8px}
.chat-btn-wa:hover{background:#1ebe5a;transform:translateY(-1px);box-shadow:0 6px 20px rgba(37,211,102,0.35)}
.chat-btn-close{background:transparent;color:var(--gray);border:1.5px solid #e5e7eb;padding:10px 20px;border-radius:14px;font-size:13px;font-weight:500;cursor:pointer;transition:var(--transition)}
.chat-btn-close:hover{border-color:var(--navy);color:var(--navy)}
.chatbot-input-area{display:flex;gap:8px;padding:12px 14px;border-top:1px solid #eef0f6;background:white;border-radius:0 0 20px 20px;flex-shrink:0}
#chatbotInput{flex:1;border:1.5px solid #e5e7eb;border-radius:12px;padding:10px 14px;font-size:14px;font-family:'Inter',sans-serif;outline:none;transition:var(--transition);color:var(--text);background:#fafbff}
#chatbotInput:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,101,192,0.1);background:white}
#chatbotInput::placeholder{color:#b0b7c3}
.chatbot-send{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--navy));border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:var(--transition);flex-shrink:0}
.chatbot-send:hover{transform:scale(1.07);box-shadow:0 4px 14px rgba(21,101,192,0.35)}
@media(max-width:480px){
  .chatbot-widget{width:100vw;height:100dvh;border-radius:0;top:0;left:0;transform:translate(0,8px);bottom:0}
  .chatbot-widget.active{transform:translate(0,0)}
  .chatbot-header{border-radius:0}
}