@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@500;600;650;700;750&family=Inter:wght@400;500;600&display=swap');

:root {
  --color-primary: #1464a5;
  --color-primary-dark: #0b2848;
  --color-primary-deep: #071d34;
  --color-accent: #15836d;
  --color-accent-dark: #0f6d5b;
  --color-text: #18232f;
  --color-muted: #607080;
  --color-soft: #f4f9fc;
  --color-blue-light: #eaf4fa;
  --color-border: #dde6ed;
  --color-white: #ffffff;
  --color-danger: #b42318;
  --color-success: #0d765f;
  --container: 1320px;

  --radius-sm: 8px;
  --radius-md: 11px;
  --radius-lg: 18px;

  --shadow-sm: 0 4px 16px rgba(11, 40, 72, 0.07);
  --shadow-md: 0 16px 42px rgba(11, 40, 72, 0.13);

  --space-xs: .5rem;
  --space-sm: .75rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4.5rem;
  --space-4xl: 6.5rem;

  --header-height: 80px;
  --ease-premium: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-height) + 20px); }
body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  padding-bottom: 0;
}
body.menu-open { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
svg { display: block; }

.skip-link {
  position: fixed;
  left: 16px;
  top: 12px;
  z-index: 9999;
  transform: translateY(-150%);
  background: var(--color-primary-dark);
  color: var(--color-white);
  padding: 10px 14px;
  border-radius: 8px;
}
.skip-link:focus { transform: translateY(0); }

.container {
  width: min(calc(100% - 48px), var(--container));
  margin-inline: auto;
}

.eyebrow {
  margin: 0 0 14px;
  font-size: .78rem;
  line-height: 1.2;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-weight: 700;
  color: rgba(255,255,255,.84);
}
.eyebrow.dark { color: var(--color-primary); }

h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 {
  font-family: Manrope, Inter, sans-serif;
  color: inherit;
  letter-spacing: -.025em;
}
h1 {
  font-size: clamp(2.35rem, 4.1vw, 4.15rem);
  line-height: 1.04;
  font-weight: 750;
}
h2 {
  font-size: clamp(2rem, 3vw, 3.15rem);
  line-height: 1.1;
  font-weight: 750;
}
h3 {
  font-size: 1.12rem;
  line-height: 1.35;
  font-weight: 700;
}

:focus-visible {
  outline: 3px solid rgba(20, 100, 165, .35);
  outline-offset: 3px;
}

.button {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border-radius: var(--radius-md);
  border: 1px solid transparent;
  padding: 0 20px;
  font-family: Manrope, Inter, sans-serif;
  font-weight: 700;
  font-size: .96rem;
  cursor: pointer;
  transition: transform .25s var(--ease-premium), background-color .25s ease, border-color .25s ease, color .25s ease, box-shadow .25s ease;
}
.button:hover { transform: translateY(-1px); }
.button:active { transform: translateY(0); }
.button svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s var(--ease-premium); }
.button:hover .button-arrow, .button:hover > svg:last-child { transform: translateX(2px); }
.button-sm { min-height: 44px; padding-inline: 16px; font-size: .9rem; }
.button-primary { background: var(--color-primary); color: var(--color-white); box-shadow: 0 5px 14px rgba(20,100,165,.17); }
.button-primary:hover { background: #115a95; box-shadow: 0 7px 18px rgba(20,100,165,.21); }
.button-secondary { background: var(--color-white); color: var(--color-primary-dark); border-color: var(--color-border); }
.button-secondary:hover { border-color: #c5d3de; background: #f9fbfd; }
.button-whatsapp { background: #148f65; color: var(--color-white); }
.button-whatsapp:hover { background: #107c57; box-shadow: 0 7px 18px rgba(20,143,101,.18); }
.button-light { background: var(--color-white); color: var(--color-primary-dark); }
.button-light:hover { background: #f5f8fb; }
.button-outline-light { color: var(--color-white); border-color: rgba(255,255,255,.32); background: transparent; }
.button-outline-light:hover { border-color: rgba(255,255,255,.58); background: rgba(255,255,255,.05); }

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 1000;
  height: var(--header-height);
  color: var(--color-white);
  border-bottom: 1px solid transparent;
  transition: background-color .28s ease, border-color .28s ease, box-shadow .28s ease, color .28s ease;
}
.site-header.scrolled {
  color: var(--color-text);
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom-color: rgba(221,230,237,.85);
  box-shadow: 0 4px 18px rgba(11,40,72,.045);
}
.header-inner { min-height: var(--header-height); display: flex; align-items: center; gap: 30px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-family: Manrope, sans-serif; font-weight: 750; }
.brand-mark {
  width: 36px; height: 36px; display: grid; place-items: center;
  border: 1px solid currentColor; border-radius: 9px; font-size: .72rem; letter-spacing: .02em;
}
.brand-mark-image { overflow: hidden; border: 0; background: #1187bc; border-radius: 7px; box-shadow: inset 0 0 0 1px rgba(255,255,255,.12); }
.brand-mark-image img { width: 100%; height: 100%; display: block; object-fit: cover; }
.brand-word { font-size: 1.18rem; letter-spacing: -.04em; }
.brand-word span { font-weight: 600; opacity: .78; }
.desktop-nav { margin-left: auto; display: flex; align-items: center; gap: clamp(18px, 2vw, 32px); }
.desktop-nav a { position: relative; font-size: .91rem; font-weight: 600; color: inherit; }
.desktop-nav a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -8px; height: 1px; background: currentColor; transition: right .25s var(--ease-premium); }
.desktop-nav a:hover::after { right: 0; }
.header-actions { display: flex; align-items: center; gap: 10px; }
.header-actions .button-secondary { background: rgba(255,255,255,.08); color: inherit; border-color: rgba(255,255,255,.24); }
.site-header.scrolled .header-actions .button-secondary { background: var(--color-white); color: var(--color-primary-dark); border-color: var(--color-border); }
.header-actions .button-secondary svg, .mobile-wa svg { fill: none; stroke: currentColor; stroke-width: 1.65; stroke-linecap: round; stroke-linejoin: round; }
.mobile-wa, .menu-toggle { display: none; }
.mobile-menu { display: none; }

.hero {
  position: relative;
  min-height: clamp(760px, 86vh, 850px);
  overflow: hidden;
  color: var(--color-white);
  background: var(--color-primary-dark);
}
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; object-position: center 46%; transform: scale(1.01); filter: saturate(.92) contrast(.98); }
.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(5,27,48,.95) 0%, rgba(6,31,54,.91) 34%, rgba(7,37,64,.68) 56%, rgba(8,42,72,.36) 76%, rgba(8,42,72,.26) 100%),
    linear-gradient(180deg, rgba(5,24,42,.10), rgba(5,24,42,.34));
}
.hero-grid {
  position: relative;
  z-index: 2;
  min-height: clamp(760px, 86vh, 850px);
  padding-top: calc(var(--header-height) + 44px);
  padding-bottom: 58px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(410px, 470px);
  gap: clamp(48px, 7vw, 108px);
  align-items: center;
}
.hero-copy { max-width: 740px; }
.hero-brand-context { display: flex; align-items: center; gap: 12px; margin-bottom: 17px; color: rgba(255,255,255,.74); font-size: .72rem; font-weight: 700; letter-spacing: .095em; text-transform: uppercase; }
.hero-brand-context > span:first-child { white-space: nowrap; }
.hero-brand-logo { display: inline-flex; align-items: center; justify-content: center; min-height: 38px; padding: 5px 10px; background: rgba(255,255,255,.96); border: 1px solid rgba(255,255,255,.65); border-radius: 6px; box-shadow: 0 2px 8px rgba(6,29,51,.08); }
.hero-brand-logo img { display: block; width: auto; max-width: 150px; height: 27px; object-fit: contain; }
.hero-copy h1 { max-width: 720px; margin-bottom: 24px; text-wrap: balance; }
.hero-lead { max-width: 660px; margin-bottom: 28px; color: rgba(255,255,255,.86); font-size: clamp(1.04rem, 1.35vw, 1.18rem); line-height: 1.72; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 10px; }
.microcopy { margin: 0 0 26px; color: rgba(255,255,255,.66); font-size: .86rem; }
.advisor-mini { display: flex; align-items: center; gap: 14px; width: fit-content; padding: 11px 14px 11px 11px; background: rgba(8,35,59,.42); border: 1px solid rgba(255,255,255,.15); border-radius: 12px; backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.advisor-mini img, .advisor-monogram { width: 56px; height: 56px; flex: 0 0 56px; border-radius: 10px; border: 1px solid rgba(255,255,255,.18); }
.advisor-mini img { object-fit: cover; object-position: center top; }
.advisor-monogram { display: grid; place-items: center; background: rgba(255,255,255,.10); color: #fff; font-family: Manrope, sans-serif; font-size: .92rem; font-weight: 800; letter-spacing: .06em; }
.advisor-mini div { display: grid; }
.advisor-mini strong { font-family: Manrope, sans-serif; font-size: .98rem; }
.advisor-mini span { font-size: .78rem; color: rgba(255,255,255,.72); }
.advisor-mini a { margin-top: 1px; font-size: .74rem; color: rgba(255,255,255,.82); text-decoration: underline; text-underline-offset: 3px; }
.hero-disclaimer { margin: 16px 0 0; max-width: 610px; font-size: .78rem; color: rgba(255,255,255,.62); }

.hero-form-wrap { align-self: center; }
.quote-form {
  background: rgba(255,255,255,.98);
  color: var(--color-text);
  border: 1px solid rgba(221,230,237,.92);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: clamp(24px, 2.6vw, 32px);
}
.form-head { margin-bottom: 22px; }
.form-kicker { display: inline-block; margin-bottom: 8px; font-size: .76rem; font-weight: 700; color: var(--color-accent); letter-spacing: .08em; text-transform: uppercase; }
.form-head h2 { margin-bottom: 8px; font-size: clamp(1.75rem, 2vw, 2.15rem); }
.form-head p { margin: 0; color: var(--color-muted); font-size: .94rem; }
.form-fields { display: grid; gap: 15px; }
.form-fields[hidden] { display: none; }
.field { display: grid; gap: 6px; }
.field label { font-size: .82rem; font-weight: 600; color: #324253; }
.field input, .field select {
  width: 100%;
  height: 54px;
  border: 1px solid #cfdbe5;
  border-radius: 9px;
  background: #fff;
  color: var(--color-text);
  padding: 0 14px;
  outline: 0;
  transition: border-color .22s ease, box-shadow .22s ease, background-color .22s ease;
}
.field input::placeholder { color: #93a1ad; }
.field select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, #738291 50%), linear-gradient(135deg, #738291 50%, transparent 50%); background-position: calc(100% - 18px) 22px, calc(100% - 13px) 22px; background-size: 5px 5px, 5px 5px; background-repeat: no-repeat; padding-right: 38px; }
.field input:focus, .field select:focus { border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(20,100,165,.11); }
.field.is-error input, .field.is-error select, .field.is-error .phone-input { border-color: var(--color-danger); }
.field.is-success input, .field.is-success select, .field.is-success .phone-input { border-color: rgba(13,118,95,.58); }
.field-message { min-height: 14px; font-size: .72rem; line-height: 1.3; color: var(--color-danger); }
.phone-input { display: grid; grid-template-columns: 52px 1fr; align-items: center; height: 54px; border: 1px solid #cfdbe5; border-radius: 9px; overflow: hidden; transition: border-color .22s ease, box-shadow .22s ease; }
.phone-input:focus-within { border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(20,100,165,.11); }
.phone-input span { display: grid; place-items: center; align-self: stretch; color: var(--color-muted); font-weight: 600; font-size: .9rem; background: #f6f9fb; border-right: 1px solid #d9e3eb; }
.phone-input input { height: 52px; border: 0; border-radius: 0; box-shadow: none !important; }
.field-checkbox { margin-top: 1px; }
.checkbox-row { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; cursor: pointer; font-size: .76rem !important; line-height: 1.45; color: var(--color-muted) !important; }
.checkbox-row input { position: absolute; opacity: 0; pointer-events: none; }
.custom-check { width: 20px; height: 20px; border: 1px solid #b7c6d2; border-radius: 5px; display: grid; place-items: center; margin-top: 1px; background: #fff; }
.custom-check svg { width: 14px; height: 14px; fill: none; stroke: #fff; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; opacity: 0; }
.checkbox-row input:checked + .custom-check { background: var(--color-primary); border-color: var(--color-primary); }
.checkbox-row input:checked + .custom-check svg { opacity: 1; }
.checkbox-row input:focus-visible + .custom-check { outline: 3px solid rgba(20,100,165,.25); outline-offset: 2px; }
.checkbox-row a { color: var(--color-primary); text-decoration: underline; text-underline-offset: 2px; }
.form-submit { width: 100%; position: relative; }
.form-submit.is-loading { pointer-events: none; opacity: .85; }
.form-submit.is-loading .button-label, .form-submit.is-loading .button-arrow { opacity: 0; }
.button-spinner { position: absolute; width: 21px; height: 21px; border: 2px solid rgba(255,255,255,.45); border-top-color: #fff; border-radius: 50%; opacity: 0; }
.form-submit.is-loading .button-spinner { opacity: 1; animation: spin .7s linear infinite; }
.form-note { margin: -2px 0 0; font-size: .71rem; color: #7a8997; text-align: center; }
.form-success { min-height: 445px; display: grid; align-content: center; gap: 13px; text-align: center; }
.form-success[hidden] { display: none; }
.success-icon { width: 52px; height: 52px; display: grid; place-items: center; margin: 0 auto 5px; border-radius: 50%; background: #e7f6f1; color: var(--color-success); }
.success-icon svg { width: 27px; height: 27px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.form-success h3 { margin: 0; font-size: 1.55rem; }
.form-success p { margin: 0 auto 6px; max-width: 320px; color: var(--color-muted); }

.trust-strip { background: #fff; border-bottom: 1px solid var(--color-border); }
.trust-grid { min-height: 104px; display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { display: flex; align-items: center; gap: 12px; padding: 20px clamp(14px, 2vw, 26px); border-right: 1px solid var(--color-border); }
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child { border-right: 0; }
.trust-item svg { flex: 0 0 auto; width: 26px; height: 26px; fill: none; stroke: var(--color-primary); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.trust-item span { font-family: Manrope, sans-serif; font-weight: 650; font-size: .92rem; color: #2f4151; }

.section { padding: clamp(76px, 8vw, 118px) 0; }
.editorial-split { display: grid; grid-template-columns: .88fr 1.12fr; gap: clamp(60px, 8vw, 130px); align-items: start; }
.section-intro { position: sticky; top: 120px; }
.section-intro h2 { margin-bottom: 22px; max-width: 600px; }
.section-intro > p:not(.eyebrow) { max-width: 590px; color: var(--color-muted); font-size: 1.04rem; }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--color-primary); font-weight: 700; font-size: .94rem; margin-top: 10px; }
.text-link svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s ease; }
.text-link:hover svg { transform: translateX(3px); }
.advisory-visual { display: grid; gap: 24px; }
.advisory-image { position: relative; margin: 0; aspect-ratio: 16 / 8.7; overflow: hidden; background: #e8f0f5; border: 1px solid var(--color-border); }
.advisory-image::after { content: ""; position: absolute; inset: 0; pointer-events: none; box-shadow: inset 0 0 0 1px rgba(255,255,255,.28); }
.advisory-image img { width: 100%; height: 100%; object-fit: cover; object-position: center 47%; transition: transform .7s var(--ease-premium); }
.advisory-image:hover img { transform: scale(1.018); }
.editorial-steps { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--color-border); }
.editorial-steps li { display: grid; grid-template-columns: 86px 1fr; gap: 22px; padding: 32px 0; border-bottom: 1px solid var(--color-border); }
.step-number { font-family: Manrope, sans-serif; font-size: .8rem; letter-spacing: .14em; color: var(--color-primary); font-weight: 700; padding-top: 4px; }
.editorial-steps h3 { margin-bottom: 8px; font-size: 1.28rem; }
.editorial-steps p { margin: 0; max-width: 580px; color: var(--color-muted); }

.benefits { background: #f8fbfd; border-top: 1px solid #edf3f7; border-bottom: 1px solid #edf3f7; }
.benefits-heading { display: grid; grid-template-columns: minmax(0, 1fr) minmax(280px, 430px); gap: 56px; align-items: end; margin-bottom: 48px; }
.benefits-heading h2 { margin: 0; max-width: 760px; }
.benefits-heading > p { margin: 0; color: var(--color-muted); }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--color-border); border-left: 1px solid var(--color-border); background: rgba(255,255,255,.25); }
.benefit-card { min-height: 260px; padding: 32px; background: rgba(255,255,255,.72); border-right: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); transition: transform .25s var(--ease-premium), box-shadow .25s ease, border-color .25s ease, background-color .25s ease; }
.benefit-card:hover { transform: translateY(-4px); z-index: 1; background: #fff; box-shadow: 0 7px 20px rgba(11,40,72,.07); border-color: #cad7e1; }
.benefit-card svg { width: 29px; height: 29px; margin-bottom: 48px; fill: none; stroke: var(--color-primary); stroke-width: 1.65; stroke-linecap: round; stroke-linejoin: round; }
.benefit-card h3 { margin-bottom: 10px; font-size: 1.18rem; }
.benefit-card p { margin: 0; color: var(--color-muted); font-size: .93rem; }

.advisor-section { background: #fff; }
.advisor-layout { display: grid; grid-template-columns: .82fr 1.18fr; gap: clamp(56px, 8vw, 126px); align-items: center; }
.advisor-photo { position: relative; aspect-ratio: 4/5; overflow: hidden; background: #e9f1f6; }
.advisor-photo::after { content: ""; position: absolute; inset: 0; box-shadow: inset 0 0 0 1px rgba(11,40,72,.08); pointer-events: none; }
.advisor-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; transition: transform .8s var(--ease-premium); }
.advisor-photo:hover img { transform: scale(1.025); }
.photo-caption { position: absolute; left: 0; bottom: 0; right: 0; padding: 15px 18px; background: rgba(7,29,52,.8); color: rgba(255,255,255,.86); font-size: .76rem; backdrop-filter: blur(6px); }
.advisor-copy { max-width: 650px; }
.advisor-copy h2 { margin-bottom: 18px; }
.advisor-lead { color: var(--color-muted); font-size: 1.08rem; margin-bottom: 22px; }
.advisor-isapre-brand { display: flex; align-items: center; gap: 16px; width: fit-content; max-width: 100%; margin: 0 0 28px; padding: 11px 0; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.advisor-isapre-brand span { color: var(--color-muted); font-size: .74rem; line-height: 1.4; font-weight: 700; letter-spacing: .055em; text-transform: uppercase; }
.advisor-isapre-brand img { display: block; width: auto; max-width: 146px; height: 34px; object-fit: contain; }
.advisor-details { margin: 0 0 30px; border-top: 1px solid var(--color-border); }
.advisor-details div { display: grid; grid-template-columns: 130px 1fr; gap: 20px; padding: 14px 0; border-bottom: 1px solid var(--color-border); }
.advisor-details dt { color: var(--color-muted); font-size: .83rem; }
.advisor-details dd { margin: 0; font-weight: 600; }
.advisor-details a { color: var(--color-primary); }
.advisor-note { max-width: 620px; margin: 24px 0 0; padding-left: 14px; border-left: 2px solid var(--color-border); color: var(--color-muted); font-size: .8rem; }

.steps-section { background: var(--color-primary-dark); color: #fff; }
.steps-heading { margin-bottom: 48px; }
.steps-heading h2 { margin-bottom: 0; color: #fff; }
.steps-section .eyebrow.dark { color: #83c8ef; }
.timeline { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); position: relative; }
.timeline::before { content: ""; position: absolute; left: 0; right: 0; top: 18px; height: 1px; background: rgba(255,255,255,.2); }
.timeline li { position: relative; padding: 0 34px 0 0; }
.timeline li::before { content: ""; position: absolute; top: 14px; left: 0; width: 9px; height: 9px; border-radius: 50%; background: #82c6ef; box-shadow: 0 0 0 5px rgba(130,198,239,.12); }
.timeline span { display: block; margin-bottom: 34px; padding-left: 20px; color: #90cef1; font-family: Manrope, sans-serif; font-size: .75rem; letter-spacing: .12em; font-weight: 700; }
.timeline h3 { margin-bottom: 9px; color: #fff; }
.timeline p { margin: 0; color: rgba(255,255,255,.68); font-size: .9rem; }

.transparency { background: var(--color-blue-light); }
.transparency-grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(60px, 8vw, 128px); align-items: center; }
.transparency-grid > div:first-child > p:not(.eyebrow) { max-width: 600px; color: #526779; font-size: 1.02rem; }
.transparency-points { display: grid; border-top: 1px solid #c9dce7; }
.transparency-points > div { display: grid; grid-template-columns: 42px 1fr; gap: 16px; padding: 24px 0; border-bottom: 1px solid #c9dce7; }
.transparency-points svg { width: 27px; height: 27px; margin-top: 3px; fill: none; stroke: var(--color-primary); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.transparency-points h3 { margin-bottom: 7px; }
.transparency-points p { margin: 0; color: #5e7181; font-size: .92rem; }

.faq-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: clamp(60px, 8vw, 120px); align-items: start; }
.faq-intro { position: sticky; top: 120px; }
.faq-intro h2 { margin-bottom: 18px; }
.faq-intro > p:not(.eyebrow) { color: var(--color-muted); max-width: 440px; }
.faq-list { border-top: 1px solid var(--color-border); }
.faq-item { border-bottom: 1px solid var(--color-border); }
.faq-item h3 { margin: 0; }
.faq-item button { width: 100%; min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 20px 0; border: 0; background: transparent; text-align: left; color: var(--color-text); cursor: pointer; font-weight: 700; }
.faq-item button svg { flex: 0 0 auto; width: 20px; height: 20px; fill: none; stroke: var(--color-muted); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s ease; }
.faq-item button[aria-expanded="true"] svg { transform: rotate(180deg); }
.faq-panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .32s var(--ease-premium); }
.faq-panel > div { overflow: hidden; }
.faq-panel p { margin: 0; padding: 0 54px 22px 0; color: var(--color-muted); font-size: .94rem; }
.faq-item.is-open .faq-panel { grid-template-rows: 1fr; }

.final-cta { position: relative; overflow: hidden; padding: clamp(62px, 7vw, 92px) 0; background: var(--color-primary-deep); color: #fff; }
.final-pattern { position: absolute; inset: 0; opacity: .16; background-image: linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(90deg, transparent 0%, rgba(0,0,0,.15) 40%, #000 100%); }
.final-pattern::after { content: ""; position: absolute; width: 440px; height: 440px; border: 1px solid rgba(255,255,255,.24); border-radius: 50%; right: -120px; top: -180px; box-shadow: 0 0 0 70px rgba(255,255,255,.025), 0 0 0 140px rgba(255,255,255,.02); }
.final-cta-inner { position: relative; z-index: 1; display: flex; align-items: end; justify-content: space-between; gap: 48px; }
.final-cta h2 { color: #fff; margin-bottom: 12px; }
.final-cta p:not(.eyebrow) { margin: 0; color: rgba(255,255,255,.7); }
.final-actions { display: flex; flex-wrap: wrap; gap: 10px; }

.site-footer { background: #071728; color: #c0ced9; padding: 70px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr .8fr 1fr 1fr; gap: 48px; }
.footer-brand { color: #fff; margin-bottom: 18px; }
.footer-grid p { max-width: 340px; color: #8fa2b2; font-size: .9rem; }
.footer-related-brand { display: grid; gap: 8px; margin-top: 8px; }
.footer-related-brand span { color: #7f95a6; font-size: .68rem; font-weight: 700; letter-spacing: .075em; text-transform: uppercase; }
.footer-related-brand img { width: auto; max-width: 142px; height: 35px; padding: 5px 8px; object-fit: contain; background: rgba(255,255,255,.96); border-radius: 5px; }
.footer-grid h2 { margin-bottom: 16px; color: #fff; font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; }
.footer-grid > div { display: flex; flex-direction: column; align-items: flex-start; gap: 9px; }
.footer-grid a, .footer-grid span { font-size: .86rem; }
.footer-grid a { color: #c4d2dc; transition: color .2s ease; }
.footer-grid a:hover { color: #fff; }
.footer-grid small { color: #8297a7; }
.footer-disclaimer { margin-top: 48px; padding: 24px 0; border-top: 1px solid rgba(255,255,255,.1); border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-disclaimer p { margin: 0; max-width: 1120px; color: #a8bac8; font-size: .81rem; line-height: 1.7; }
.footer-disclaimer strong { color: #d8e2e9; }
.footer-bottom { padding-top: 22px; display: flex; align-items: center; justify-content: space-between; gap: 24px; font-size: .78rem; color: #7f95a6; }
.footer-bottom a { color: #aebec9; }
.footer-bottom a:hover { color: #fff; }

.floating-whatsapp { position: fixed; z-index: 900; right: 24px; bottom: 24px; width: 58px; height: 58px; display: grid; place-items: center; border-radius: 16px; background: #128c62; color: #fff; box-shadow: 0 8px 22px rgba(7,29,52,.2); transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease; }
.floating-whatsapp:hover { transform: scale(1.04); background: #0f7d57; box-shadow: 0 10px 25px rgba(7,29,52,.24); }
.floating-whatsapp svg { width: 29px; height: 29px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.floating-tooltip { position: absolute; right: 68px; white-space: nowrap; padding: 8px 10px; border-radius: 7px; background: #0a2137; color: #fff; font-size: .74rem; opacity: 0; pointer-events: none; transform: translateX(6px); transition: opacity .2s ease, transform .2s ease; }
.floating-whatsapp:hover .floating-tooltip { opacity: 1; transform: translateX(0); }
.mobile-cta-bar { display: none; }

[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .64s var(--ease-premium), transform .64s var(--ease-premium); transition-delay: var(--reveal-delay, 0ms); }
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }

@keyframes spin { to { transform: rotate(360deg); } }

@media (max-width: 1180px) {
  :root { --container: 1120px; }
  .desktop-nav { gap: 18px; }
  .header-actions .button-secondary { display: none; }
  .hero-grid { grid-template-columns: minmax(0, 1fr) minmax(390px, 440px); gap: 46px; }
  .hero-copy h1 { font-size: clamp(2.55rem, 4.6vw, 3.7rem); }
  .benefit-card { padding: 28px; }
}

@media (max-width: 1024px) {
  .container { width: min(calc(100% - 40px), var(--container)); }
  .desktop-nav, .desktop-only { display: none !important; }
  .mobile-wa, .menu-toggle { display: inline-grid; }
  .mobile-wa { width: 42px; height: 42px; place-items: center; border-radius: 10px; border: 1px solid rgba(255,255,255,.25); }
  .site-header.scrolled .mobile-wa { border-color: var(--color-border); }
  .mobile-wa svg { width: 22px; height: 22px; }
  .menu-toggle { width: 42px; height: 42px; place-content: center; gap: 5px; padding: 0; background: transparent; border: 1px solid rgba(255,255,255,.25); border-radius: 10px; color: inherit; cursor: pointer; }
  .site-header.scrolled .menu-toggle { border-color: var(--color-border); }
  .menu-toggle span { width: 18px; height: 1.5px; background: currentColor; transition: transform .2s ease, opacity .2s ease; }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }
  .header-actions { margin-left: auto; }
  .mobile-menu { display: block; position: fixed; top: var(--header-height); left: 0; right: 0; background: rgba(255,255,255,.98); color: var(--color-text); border-top: 1px solid var(--color-border); box-shadow: 0 18px 34px rgba(11,40,72,.1); }
  .mobile-menu[hidden] { display: none; }
  .mobile-menu nav { width: min(calc(100% - 40px), var(--container)); margin: 0 auto; padding: 18px 0 24px; display: grid; gap: 2px; }
  .mobile-menu nav > a:not(.button) { padding: 13px 2px; border-bottom: 1px solid #edf2f6; font-weight: 600; }
  .mobile-menu .button { margin-top: 12px; }

  .hero { min-height: auto; }
  .hero-media img { object-position: center 45%; }
  .hero-grid { min-height: auto; padding-top: 132px; padding-bottom: 64px; grid-template-columns: 1fr; gap: 42px; }
  .hero-copy { max-width: 760px; }
  .hero-form-wrap { width: min(100%, 620px); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-item { border-bottom: 1px solid var(--color-border); }
  .trust-item:nth-child(2) { border-right: 0; }
  .trust-item:nth-child(3), .trust-item:nth-child(4) { border-bottom: 0; }
  .trust-item:nth-child(3) { padding-left: 0; }
  .editorial-split, .advisor-layout, .transparency-grid, .faq-layout { grid-template-columns: 1fr; gap: 52px; }
  .section-intro, .faq-intro { position: static; }
  .benefits-heading { grid-template-columns: 1fr; gap: 18px; }
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .advisor-photo { max-width: 620px; aspect-ratio: 16/12; }
  .timeline { grid-template-columns: repeat(2, 1fr); row-gap: 42px; }
  .timeline::before { display: none; }
  .timeline li { padding-right: 38px; }
  .timeline li::before { top: 4px; }
  .timeline span { margin-bottom: 20px; }
  .final-cta-inner { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 2 / 4; }
}

@media (max-width: 768px) {
  :root { --header-height: 72px; }
  .container { width: min(calc(100% - 40px), var(--container)); }
  .header-inner { min-height: var(--header-height); }
  .brand-word { font-size: 1.08rem; }
  .brand-mark { width: 34px; height: 34px; }
  .hero-brand-context { gap: 9px; flex-wrap: wrap; margin-bottom: 14px; font-size: .67rem; }
  .hero-brand-logo { min-height: 34px; padding: 4px 8px; }
  .hero-brand-logo img { max-width: 132px; height: 24px; }
  .hero-grid { padding-top: 112px; padding-bottom: 44px; gap: 30px; }
  .hero-media { inset: 0 0 auto; height: 500px; }
  .hero-media img { object-position: 42% 38%; }
  .hero-overlay { background: linear-gradient(180deg, rgba(6,29,51,.91) 0%, rgba(6,29,51,.79) 390px, var(--color-primary-dark) 520px, var(--color-primary-dark) 100%); }
  .hero-copy h1 { font-size: clamp(2.3rem, 8.5vw, 3.1rem); }
  .hero-lead { font-size: 1rem; }
  .hero-actions { display: grid; grid-template-columns: 1fr 1fr; }
  .hero-actions .button { padding-inline: 14px; }
  .advisor-mini { width: 100%; max-width: 520px; }
  .hero-form-wrap { width: 100%; }
  .quote-form { border-radius: 15px; }
  .trust-grid { min-height: auto; }
  .trust-item { padding-top: 18px; padding-bottom: 18px; }
  .section { padding: 76px 0; }
  .editorial-steps li { grid-template-columns: 58px 1fr; }
  .benefit-card { min-height: 230px; }
  .benefit-card svg { margin-bottom: 36px; }
  .advisor-photo { aspect-ratio: 4/3; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .floating-whatsapp { display: none; }
  .mobile-cta-bar { position: fixed; z-index: 950; left: 0; right: 0; bottom: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; padding: 8px 14px calc(8px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.96); border-top: 1px solid var(--color-border); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); }
  .mobile-cta-bar .button { min-height: 48px; }
  body { padding-bottom: calc(64px + env(safe-area-inset-bottom)); }
}

@media (max-width: 560px) {
  .container { width: min(calc(100% - 40px), var(--container)); }
  .header-inner { gap: 10px; }
  .hero-grid { padding-top: 105px; }
  .hero-media { height: 510px; }
  .hero-copy h1 { margin-bottom: 18px; }
  .hero-lead { line-height: 1.62; }
  .hero-actions { grid-template-columns: 1fr; }
  .hero-actions .button { width: 100%; }
  .microcopy { text-align: center; }
  .advisor-mini { align-items: flex-start; }
  .advisor-mini img, .advisor-monogram { width: 52px; height: 52px; flex-basis: 52px; }
  .advisor-mini a { overflow-wrap: anywhere; }
  .hero-disclaimer { line-height: 1.5; }
  .quote-form { padding: 22px 20px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item, .trust-item:nth-child(3) { padding-left: 0; border-right: 0; border-bottom: 1px solid var(--color-border); }
  .trust-item:last-child { border-bottom: 0; }
  .benefit-grid { grid-template-columns: 1fr; }
  .benefit-card { min-height: auto; padding: 26px; }
  .benefit-card svg { margin-bottom: 28px; }
  .advisor-isapre-brand { align-items: flex-start; flex-direction: column; gap: 8px; }
  .advisor-isapre-brand img { max-width: 138px; height: 32px; }
  .advisor-details div { grid-template-columns: 1fr; gap: 3px; }
  .timeline { grid-template-columns: 1fr; gap: 0; }
  .timeline li { padding: 0 0 28px 30px; border-left: 1px solid rgba(255,255,255,.18); }
  .timeline li:last-child { border-left-color: transparent; padding-bottom: 0; }
  .timeline li::before { top: 4px; left: -5px; }
  .timeline span { margin-bottom: 8px; padding-left: 0; }
  .transparency-points > div { grid-template-columns: 34px 1fr; }
  .faq-item button { min-height: 72px; }
  .faq-panel p { padding-right: 0; }
  .final-actions { width: 100%; display: grid; grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
}

@media (max-width: 390px) {
  .container { width: min(calc(100% - 32px), var(--container)); }
  .mobile-menu nav { width: calc(100% - 32px); }
  .brand-word { font-size: 1rem; }
  .brand-mark { width: 32px; height: 32px; }
  .mobile-wa, .menu-toggle { width: 40px; height: 40px; }
  .hero-grid { padding-top: 98px; }
  .hero-copy h1 { font-size: 2.32rem; }
  .hero-media { height: 500px; }
  .quote-form { padding: 20px 16px; }
  .checkbox-row { font-size: .73rem !important; }
  .section { padding: 68px 0; }
  .editorial-steps li { grid-template-columns: 46px 1fr; gap: 12px; }
  .mobile-cta-bar { padding-inline: 10px; }
}

@media (min-width: 1600px) {
  .hero-media img { object-position: center 44%; }
  .hero-grid { grid-template-columns: minmax(0, 1fr) 470px; gap: 110px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  [data-reveal] { opacity: 1 !important; transform: none !important; }
}

/* WordPress integration */
.admin-bar .site-header { top: 32px; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-global-message { margin: 0 0 12px; padding: 11px 12px; border: 1px solid #d9a7a7; border-radius: 8px; background: #fff5f5; color: #8a2424; font-size: 14px; line-height: 1.45; }
.content-page { min-height: 70vh; padding: 120px 0 80px; background: var(--color-bg, #f6f9fb); }
.content-page-inner { max-width: 880px; }
.content-page article { background: #fff; border: 1px solid var(--color-border, #dde6ed); border-radius: 14px; padding: clamp(28px, 5vw, 56px); }
.content-page h1 { font-size: clamp(36px, 5vw, 58px); margin-bottom: 28px; color: var(--color-primary-dark, #0b2848); }
@media (max-width: 782px) { .admin-bar .site-header { top: 46px; } }