:root {
  --black: #070707;
  --black-soft: #11110f;
  --charcoal: #181714;
  --cream: #f4f0e7;
  --paper: #fbfaf7;
  --paper-soft: #f0ece4;
  --gold: #c99a45;
  --gold-light: #e8c678;
  --gold-dark: #8f682c;
  --text: #15130f;
  --muted: #716c62;
  --white: #fffdf8;
  --line-dark: rgba(255,255,255,.12);
  --line-light: rgba(20,18,14,.12);
  --shadow: 0 24px 60px rgba(0,0,0,.14);
  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
  --radius: 18px;
  --container: min(1180px, calc(100% - 40px));
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
.container { width: var(--container); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 1000; top: 12px; left: 12px; transform: translateY(-150%); background: var(--white); color: var(--black); padding: 10px 14px; border-radius: 8px; }
.skip-link:focus { transform: translateY(0); }

h1,h2,h3,p { margin-top: 0; }
h1,h2 { font-family: var(--serif); line-height: 1.02; letter-spacing: -.03em; }
h1 { font-size: clamp(3.1rem, 6vw, 6.5rem); font-weight: 600; }
h2 { font-size: clamp(2.25rem, 4vw, 4.25rem); font-weight: 600; }
h3 { line-height: 1.2; }
.eyebrow { margin-bottom: 18px; color: var(--gold-light); font-size: .72rem; font-weight: 700; letter-spacing: .25em; text-transform: uppercase; }
.eyebrow-dark { color: var(--gold-dark); }
.section-dark { background: var(--black); color: var(--white); }
.section-light { background: var(--paper); }
.section-soft { background: var(--paper-soft); }

.button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  gap: 18px;
  border: 1px solid transparent;
  padding: 0 22px;
  border-radius: 4px;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  transition: .25s ease;
  cursor: pointer;
}
.button:hover { transform: translateY(-2px); }
.button-gold { background: linear-gradient(135deg, var(--gold-light), var(--gold)); color: #171108; box-shadow: 0 10px 28px rgba(201,154,69,.16); }
.button-gold:hover { background: linear-gradient(135deg, #f0d187, #d6a955); }
.button-outline { border-color: rgba(232,198,120,.6); color: var(--white); background: rgba(0,0,0,.16); }
.button-outline:hover { border-color: var(--gold-light); background: rgba(232,198,120,.08); }
.button-line-dark { border-color: var(--gold-dark); color: var(--text); }
.text-link { display: inline-flex; gap: 12px; margin-top: 14px; color: var(--gold-dark); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .05em; }

/* Header */
.site-header {
  position: absolute;
  inset: 0 0 auto;
  z-index: 20;
  border-bottom: 1px solid rgba(255,255,255,.08);
  color: var(--white);
}
.header-inner { min-height: 92px; display: grid; grid-template-columns: auto 1fr auto; gap: 36px; align-items: center; }
.brand { display: inline-flex; align-items: center; gap: 14px; }
.brand-seal {
  width: 58px;
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  border: 1px solid var(--gold-light);
  border-radius: 50%;
  color: var(--gold-light);
  font-family: var(--serif);
  font-size: 2rem;
  box-shadow: inset 0 0 0 3px rgba(201,154,69,.12);
}
.brand-copy { display: grid; line-height: 1; gap: 6px; }
.brand-copy strong { font-family: var(--serif); font-size: 1.2rem; letter-spacing: .14em; font-weight: 600; white-space: nowrap; }
.brand-copy small { color: #c9c4b9; font-size: .55rem; letter-spacing: .22em; text-transform: uppercase; }
.main-nav { display: flex; justify-content: center; gap: clamp(18px, 2.2vw, 34px); }
.main-nav a { position: relative; font-size: .82rem; font-weight: 500; }
.main-nav a::after { content:""; position:absolute; left:0; right:100%; bottom:-10px; height:1px; background:var(--gold-light); transition:.2s ease; }
.main-nav a:hover::after { right:0; }
.header-cta { white-space: nowrap; }
.menu-toggle { display:none; }

/* Hero */
.hero { position: relative; min-height: 760px; overflow: hidden; padding-top: 92px; }
.hero-media {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(0,0,0,.12), rgba(0,0,0,.12)),
    url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1900&q=88") center/cover no-repeat;
  filter: saturate(.72) contrast(1.05);
  transform: scale(1.015);
}
.hero-overlay {
  position:absolute;
  inset:0;
  background:
    radial-gradient(circle at 70% 45%, rgba(201,154,69,.07), transparent 30%),
    linear-gradient(90deg, rgba(5,5,5,.98) 0%, rgba(5,5,5,.9) 37%, rgba(5,5,5,.38) 70%, rgba(5,5,5,.78) 100%),
    linear-gradient(0deg, rgba(5,5,5,.96) 0%, transparent 24%);
}
.hero-layout { position:relative; z-index:2; min-height:668px; display:grid; grid-template-columns: minmax(0, 1.55fr) minmax(260px, .45fr); align-items:center; gap:80px; }
.hero-copy { max-width: 790px; padding-block: 80px 44px; }
.hero h1 { margin-bottom: 26px; color: var(--white); }
.hero h1 span { color: var(--gold-light); }
.hero-lead { max-width: 720px; color: #ded9ce; font-size: 1.08rem; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; margin-top:32px; }
.hero-features { display:flex; flex-wrap:wrap; gap:24px 36px; margin-top:54px; color:#d9c18b; font-size:.67rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; }
.hero-features span { position:relative; padding-left:16px; }
.hero-features span::before { content:""; position:absolute; width:6px; height:6px; left:0; top:.55em; border:1px solid var(--gold); transform:rotate(45deg); }
.hero-statement { align-self:center; border-left:1px solid rgba(232,198,120,.5); padding-left:36px; color:var(--gold-light); }
.hero-statement p { margin-bottom:30px; font-family:var(--serif); font-size:clamp(2rem,3vw,3rem); font-style:italic; line-height:1.08; }
.hero-statement span { display:block; border-top:1px solid rgba(232,198,120,.4); padding-top:24px; font-family:var(--serif); font-size:1.1rem; letter-spacing:.08em; }
.hero-statement small { font-family:var(--sans); font-size:.56rem; letter-spacing:.18em; text-transform:uppercase; }

/* Contact strip */
.contact-strip { background:#10100f; color:var(--white); border-top:1px solid var(--line-dark); border-bottom:1px solid var(--line-dark); }
.contact-strip-grid { display:grid; grid-template-columns: .9fr .9fr 1fr 1fr 1.55fr; }
.contact-strip-grid > * { display:grid; gap:3px; min-height:88px; align-content:center; padding:16px 22px; border-right:1px solid var(--line-dark); }
.contact-strip-grid > *:first-child { padding-left:0; }
.contact-strip-grid > *:last-child { border-right:0; }
.contact-strip strong { font-size:.85rem; }
.contact-strip span { color:#999389; font-size:.7rem; }
.contact-strip a:hover strong { color:var(--gold-light); }

/* About */
.about { padding:105px 0; }
.about-grid { display:grid; grid-template-columns: 1.1fr 1.45fr .68fr; gap:60px; align-items:center; }
.about-intro h2 { max-width:520px; margin-bottom:25px; }
.about-intro p:not(.eyebrow) { color:var(--muted); }
.about-pillars { display:grid; grid-template-columns:repeat(3,1fr); border-top:1px solid var(--line-light); border-bottom:1px solid var(--line-light); }
.about-pillars article { padding:28px 24px; border-right:1px solid var(--line-light); }
.about-pillars article:last-child { border-right:0; }
.icon-box { display:grid; width:42px; height:42px; place-items:center; margin-bottom:22px; border:1px solid rgba(143,104,44,.5); color:var(--gold-dark); font-family:var(--serif); }
.about-pillars h3 { font-size:.88rem; text-transform:uppercase; letter-spacing:.04em; }
.about-pillars p { margin-bottom:0; color:var(--muted); font-size:.82rem; }
blockquote { margin:0; padding-left:30px; border-left:1px solid var(--gold); font-family:var(--serif); font-size:1.65rem; font-style:italic; line-height:1.25; }
blockquote cite { display:block; margin-top:22px; font-family:var(--sans); font-size:.65rem; font-style:normal; letter-spacing:.05em; color:var(--muted); }

/* Insurance */
.insurance { padding:100px 0 110px; background:linear-gradient(180deg,#0b0b0a,#11100e); }
.heading-row { display:flex; align-items:end; justify-content:space-between; gap:24px; margin-bottom:42px; }
.section-heading h2 { max-width:820px; margin-bottom:0; }
.insurance-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:14px; }
.insurance-card { min-width:0; overflow:hidden; border:1px solid rgba(255,255,255,.1); background:#121211; transition:.28s ease; }
.insurance-card:hover { transform:translateY(-5px); border-color:rgba(232,198,120,.45); box-shadow:0 22px 50px rgba(0,0,0,.28); }
.card-photo { height:180px; background-size:cover; background-position:center; filter:saturate(.75); }
.photo-rc { background-image:url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=800&q=82"); }
.photo-garantia { background-image:url("https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=800&q=82"); }
.photo-vida { background-image:url("https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=800&q=82"); }
.photo-carga { background-image:url("https://images.unsplash.com/photo-1501700493788-fa1a4fc9fe62?auto=format&fit=crop&w=800&q=82"); }
.photo-risco { background-image:url("https://images.unsplash.com/photo-1503387762-592deb58ef4e?auto=format&fit=crop&w=800&q=82"); }
.card-body { position:relative; min-height:270px; padding:27px 24px 24px; }
.card-number { position:absolute; right:18px; top:18px; color:rgba(232,198,120,.38); font-family:var(--serif); font-size:1.5rem; }
.card-body h3 { min-height:48px; max-width:88%; margin-bottom:14px; font-size:1rem; }
.card-body p { color:#a9a49b; font-size:.78rem; }
.card-body a { position:absolute; left:24px; bottom:24px; color:var(--gold-light); font-size:.68rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase; }

/* Segments */
.segments { padding:86px 0 92px; }
.centered { max-width:760px; margin:0 auto 48px; text-align:center; }
.centered h2 { font-size:clamp(2.1rem,3.3vw,3.5rem); }
.centered > p:last-child { color:var(--muted); }
.segment-grid { display:grid; grid-template-columns:repeat(6,1fr); border-top:1px solid var(--line-light); border-bottom:1px solid var(--line-light); }
.segment-grid article { padding:28px 18px; text-align:center; border-right:1px solid var(--line-light); }
.segment-grid article:last-child { border-right:0; }
.segment-grid span { display:block; margin-bottom:12px; color:var(--gold-dark); font-family:var(--serif); font-size:1.8rem; }
.segment-grid h3 { margin-bottom:6px; font-size:.92rem; }
.segment-grid p { margin-bottom:0; color:var(--muted); font-size:.76rem; }

/* Editorial */
.editorial { padding:96px 0; }
.editorial-grid { display:grid; grid-template-columns:.86fr 1fr 1fr; gap:20px; align-items:stretch; }
.editorial-intro { padding:20px 36px 20px 0; }
.editorial-intro h2 { font-size:clamp(2.4rem,3.6vw,4rem); }
.editorial-intro > p:not(.eyebrow) { color:var(--muted); margin-bottom:28px; }
.article-card { background:var(--white); border:1px solid rgba(20,18,14,.08); box-shadow:0 12px 30px rgba(0,0,0,.05); }
.article-photo { height:220px; background-size:cover; background-position:center; }
.article-transport { background-image:url("https://images.unsplash.com/photo-1519003722824-194d4455a60c?auto=format&fit=crop&w=1000&q=82"); }
.article-rc { background-image:url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1000&q=82"); }
.article-body { padding:24px; }
.tag { color:var(--gold-dark); font-size:.64rem; font-weight:700; letter-spacing:.08em; text-transform:uppercase; }
.article-body h3 { margin:10px 0 12px; font-family:var(--serif); font-size:1.25rem; }
.article-body p { color:var(--muted); font-size:.82rem; }
.article-body a { color:var(--gold-dark); font-size:.68rem; font-weight:700; text-transform:uppercase; }

/* Contact */
.contact { padding:95px 0 80px; background:
  radial-gradient(circle at 75% 15%, rgba(201,154,69,.11), transparent 25%),
  #0d0d0c; }
.contact-grid { display:grid; grid-template-columns:.72fr 1.2fr .72fr; gap:50px; align-items:start; }
.contact-copy h2 { font-size:clamp(2.6rem,4vw,4.4rem); }
.contact-copy p:last-child { color:#aaa49a; }
.quote-form { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.quote-form label { display:grid; gap:7px; }
.quote-form label > span { color:#aaa49a; font-size:.67rem; text-transform:uppercase; letter-spacing:.08em; }
.quote-form input,
.quote-form select,
.quote-form textarea {
  width:100%;
  border:1px solid rgba(255,255,255,.13);
  border-radius:4px;
  outline:none;
  background:#181817;
  color:var(--white);
  padding:14px 15px;
  transition:.2s ease;
}
.quote-form textarea { resize:vertical; min-height:112px; }
.quote-form input:focus,
.quote-form select:focus,
.quote-form textarea:focus { border-color:var(--gold); box-shadow:0 0 0 3px rgba(201,154,69,.08); }
.full-field { grid-column:1 / -1; }
.form-note { margin:0; min-height:24px; color:#bfb7aa; font-size:.75rem; }
.contact-details { display:grid; gap:18px; font-style:normal; }
.contact-details > *:not(.map-placeholder) { display:grid; gap:2px; }
.contact-details strong { font-size:.82rem; }
.contact-details span { color:#9d978d; font-size:.7rem; }
.map-placeholder {
  min-height:150px;
  display:flex;
  flex-direction:column;
  justify-content:end;
  margin-top:8px;
  padding:20px;
  border:1px solid rgba(232,198,120,.25);
  background:
    linear-gradient(180deg,transparent,rgba(0,0,0,.65)),
    radial-gradient(circle at 55% 42%,var(--gold) 0 5px,transparent 6px),
    linear-gradient(135deg,#292824,#141412);
}
.map-placeholder strong { color:var(--gold-light); }

/* Footer */
.site-footer { background:#080808; color:#aaa49a; border-top:1px solid var(--line-dark); }
.footer-grid { min-height:130px; display:grid; grid-template-columns:auto 1fr auto; gap:40px; align-items:center; }
.brand-footer .brand-seal { width:48px; font-size:1.5rem; }
.brand-footer .brand-copy strong { color:var(--white); font-size:1rem; }
.footer-grid nav { display:flex; justify-content:center; gap:22px; font-size:.72rem; }
.footer-grid nav a:hover { color:var(--gold-light); }
.footer-grid p { margin:0; font-size:.66rem; }

.whatsapp-float {
  position:fixed;
  z-index:30;
  right:22px;
  bottom:22px;
  width:54px;
  aspect-ratio:1;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:#20c664;
  color:white;
  font-size:.72rem;
  font-weight:800;
  box-shadow:0 12px 30px rgba(0,0,0,.3);
}

/* Responsive */
@media (max-width: 1100px) {
  .header-inner { grid-template-columns:auto 1fr auto; }
  .main-nav { display:none; }
  .menu-toggle {
    display:grid; width:42px; height:42px; place-content:center; gap:5px; justify-self:end;
    border:1px solid rgba(255,255,255,.18); background:transparent; color:white;
  }
  .menu-toggle span:not(.sr-only) { width:18px; height:1px; background:currentColor; }
  .header-cta { display:none; }
  .main-nav.open {
    display:flex; position:fixed; inset:92px 0 auto; flex-direction:column; align-items:flex-start;
    padding:30px max(20px, calc((100vw - 1180px)/2)); background:rgba(8,8,8,.98); border-top:1px solid var(--line-dark);
  }
  .hero-layout { grid-template-columns:1fr .38fr; gap:34px; }
  .about-grid { grid-template-columns:1fr; }
  .about-pillars { order:2; }
  blockquote { max-width:650px; }
  .insurance-grid { grid-template-columns:repeat(3,1fr); }
  .segment-grid { grid-template-columns:repeat(3,1fr); }
  .segment-grid article:nth-child(3) { border-right:0; }
  .editorial-grid { grid-template-columns:1fr 1fr; }
  .editorial-intro { grid-column:1 / -1; }
  .contact-grid { grid-template-columns:.75fr 1.25fr; }
  .contact-details { grid-column:1 / -1; grid-template-columns:repeat(4,1fr); align-items:start; }
  .map-placeholder { grid-column:1 / -1; }
  .contact-strip-grid { grid-template-columns:repeat(3,1fr); }
  .contact-strip-grid > *:first-child { padding-left:22px; }
}

@media (max-width: 760px) {
  :root { --container: min(100% - 28px, 1180px); }
  .site-header { position:absolute; }
  .header-inner { min-height:78px; }
  .brand-seal { width:46px; font-size:1.5rem; }
  .brand-copy strong { font-size:.92rem; }
  .brand-copy small { font-size:.45rem; }
  .main-nav.open { inset:78px 0 auto; padding:26px 20px; }
  .hero { min-height:auto; padding-top:78px; }
  .hero-layout { min-height:720px; grid-template-columns:1fr; align-content:center; }
  .hero-copy { padding:90px 0 48px; }
  .hero h1 { font-size:clamp(3.15rem,14vw,5rem); }
  .hero-lead { font-size:.98rem; }
  .hero-statement { display:none; }
  .hero-actions .button { width:100%; }
  .hero-features { display:grid; grid-template-columns:1fr; margin-top:38px; gap:14px; }
  .contact-strip-grid { grid-template-columns:1fr 1fr; }
  .contact-strip-grid > * { min-height:76px; border-bottom:1px solid var(--line-dark); padding:14px; }
  .contact-strip-grid > *:first-child { padding-left:14px; }
  .contact-strip-grid > *:last-child { grid-column:1 / -1; }
  .about { padding:72px 0; }
  .about-pillars { grid-template-columns:1fr; }
  .about-pillars article { border-right:0; border-bottom:1px solid var(--line-light); }
  .about-pillars article:last-child { border-bottom:0; }
  blockquote { font-size:1.4rem; }
  .insurance { padding:72px 0; }
  .heading-row { align-items:start; flex-direction:column; }
  .insurance-grid { display:flex; overflow-x:auto; scroll-snap-type:x mandatory; padding-bottom:14px; margin-right:calc((100vw - var(--container))/ -2); }
  .insurance-card { min-width:82vw; scroll-snap-align:start; }
  .segment-grid { grid-template-columns:1fr 1fr; }
  .segment-grid article { border-bottom:1px solid var(--line-light); }
  .segment-grid article:nth-child(odd) { border-right:1px solid var(--line-light); }
  .segment-grid article:nth-child(even) { border-right:0; }
  .editorial { padding:72px 0; }
  .editorial-grid { grid-template-columns:1fr; }
  .editorial-intro { grid-column:auto; padding-right:0; }
  .contact { padding:72px 0; }
  .contact-grid { grid-template-columns:1fr; }
  .quote-form { grid-template-columns:1fr; }
  .full-field { grid-column:auto; }
  .contact-details { grid-column:auto; grid-template-columns:1fr 1fr; }
  .map-placeholder { grid-column:1 / -1; }
  .footer-grid { padding:34px 0; grid-template-columns:1fr; }
  .footer-grid nav { justify-content:flex-start; flex-wrap:wrap; }
}

@media (max-width: 460px) {
  .brand-copy { display:none; }
  .contact-strip-grid { grid-template-columns:1fr; }
  .contact-strip-grid > *:last-child { grid-column:auto; }
  .segment-grid { grid-template-columns:1fr; }
  .segment-grid article { border-right:0 !important; }
  .contact-details { grid-template-columns:1fr; }
  .map-placeholder { grid-column:auto; }
}

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