/* =====================================================================
   jaimevaldesmx.com · Página de inicio
   Dirección de arte: "El trazo ascendente" (aprobada el 21 de octubre de 2026)
   ===================================================================== */

@font-face{font-family:"Sora";src:url(../fonts/sora-latin.woff2) format("woff2");font-weight:500 800;font-style:normal;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(../fonts/source-sans-3-latin.woff2) format("woff2");font-weight:400 600;font-style:normal;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(../fonts/source-sans-3-italic-latin.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}

:root{
  /* Color: manual de marca */
  --azul:#0E1E45; --oro:#C9A24D; --oro-texto:#8A6A22; --pizarra:#4A5468; --niebla:#EEF0F4;
  --brand:var(--azul); --ink:var(--azul); --bg:#FFFFFF; --surface:#FFFFFF;
  --line:#DCE0E8; --muted:var(--pizarra);
  --cta:var(--oro); --cta-ink:var(--azul); --cta-hover:#D4B571;
  --on-dark:#FFFFFF; --on-dark-muted:rgba(238,240,244,.76); --line-dark:rgba(255,255,255,.16);
  --eco-oro:rgba(201,162,77,.36); --eco-claro:rgba(255,255,255,.09);
  --error:#B3261E; --marcador:#FFE45C;
  /* Tipografía */
  --font-display:"Sora",system-ui,sans-serif;
  --font-body:"Source Sans 3",system-ui,sans-serif;
  --fs-body:clamp(1rem,.96rem + .2vw,1.0625rem);
  /* Forma: la inclinación del trazo ascendente (tan = 0.3) */
  --slant:-16.7deg;
  --r-lg:24px; --r-md:16px; --r-sm:10px;
  /* Movimiento */
  --ease:cubic-bezier(.25,1,.5,1); --ease-io:cubic-bezier(.76,0,.24,1); --ease-pop:var(--ease);
  --dur:.8s; --dist:22px; --t-hover:.35s;
  /* Espacio */
  --gutter:clamp(16px,4vw,40px); --maxw:1240px; --nav-h:72px;
  --sec-y:clamp(72px,9vw,128px);
}

/* ---------- Base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;overflow-x:hidden;scroll-padding-top:calc(var(--nav-h) + 12px)}
body{margin:0;background:var(--bg);color:var(--ink);font:400 var(--fs-body)/1.58 var(--font-body);overflow-x:clip;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
button,input,select{font:inherit;color:inherit}
h1,h2,h3{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--azul);outline-offset:3px}
.sobre-azul :focus-visible{outline-color:#fff}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.saltar{position:absolute;left:12px;top:-60px;z-index:200;padding:10px 16px;border-radius:var(--r-sm);background:var(--azul);color:#fff;font-weight:600}
.saltar:focus{top:12px}

/* Lenis */
html.lenis,html.lenis body{height:auto}
.lenis:not(.lenis-autoToggle).lenis-stopped{overflow:clip}
.lenis [data-lenis-prevent],.lenis [data-lenis-prevent-wheel],.lenis [data-lenis-prevent-touch]{overscroll-behavior:contain}
.lenis.lenis-smooth iframe{pointer-events:none}
.lenis.lenis-smooth{scroll-behavior:auto!important}

/* ---------- Piezas comunes ---------- */
.sec{position:relative;padding:var(--sec-y) 0}
.sec--niebla{background:var(--niebla)}
.sobre-azul{background:var(--azul);color:var(--on-dark)}
.sec__cabeza{max-width:760px;margin-bottom:clamp(32px,4vw,52px)}

.ceja{display:inline-flex;align-items:center;gap:10px;margin:0;font:500 .78rem/1.3 var(--font-display);letter-spacing:.24em;text-transform:uppercase;color:var(--oro-texto)}
.ceja svg{width:12px;height:16px;flex:none;fill:var(--oro)}
@media (max-width:599px){.solo-amplio{display:none}}
.sobre-azul .ceja{color:var(--oro)}

.h2{margin-top:14px;font:800 clamp(1.95rem,1.25rem + 2.7vw,3.35rem)/1.06 var(--font-display);letter-spacing:-.03em;color:var(--azul);text-wrap:balance}
.sobre-azul .h2{color:#fff}
.linea-mask,.palabra-mask{padding:.15em .12em .15em 0;margin:-.15em -.12em -.15em 0}
.lead{margin:16px 0 0;font-size:clamp(1.06rem,1rem + .3vw,1.2rem);color:var(--pizarra);max-width:38em}
.sobre-azul .lead{color:var(--on-dark-muted)}

.link-flecha{display:inline-flex;align-items:center;gap:8px;min-height:44px;font:600 1rem/1.25 var(--font-body);color:var(--azul);text-decoration:none;background:linear-gradient(var(--oro),var(--oro)) 0 calc(100% - 8px)/100% 2px no-repeat;transition:background-size var(--t-hover) var(--ease)}
.link-flecha svg{width:17px;height:17px;flex:none;fill:none;stroke:var(--oro-texto);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:translate var(--t-hover) var(--ease)}
.link-flecha:hover svg{translate:3px -3px}
.sobre-azul .link-flecha{color:#fff}
.sobre-azul .link-flecha svg{stroke:var(--oro)}

.fuente{margin:18px 0 0;font-size:.88rem;line-height:1.45;color:var(--pizarra);max-width:60em}
.fuente a{color:inherit}
.marcador{display:inline-block;margin:22px 0 0;padding:6px 12px;border-radius:6px;background:var(--marcador);color:#3A2E00;font:700 .9rem/1.3 var(--font-display);letter-spacing:.02em}

/* Botones: oro con letra azul; la franja los cruza */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:var(--r-sm);font:600 1.04rem/1.1 var(--font-body);text-decoration:none;overflow:hidden;isolation:isolate;cursor:pointer;border:0;text-align:center}
.btn svg{width:21px;height:21px;flex:none;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.btn--cta{background:var(--cta);color:var(--cta-ink);transition:background-color var(--t-hover) var(--ease),scale .15s var(--ease)}
.btn__brillo{position:absolute;z-index:-1;top:-30%;bottom:-30%;left:0;width:34%;background:linear-gradient(90deg,rgba(255,255,255,0),rgba(255,255,255,.55),rgba(255,255,255,0));transform:translateX(-170%) skewX(var(--slant));transition:transform .8s var(--ease-io);pointer-events:none}
@media (hover:hover){.btn--cta:hover{background:var(--cta-hover)}.btn--cta:hover .btn__brillo{transform:translateX(330%) skewX(var(--slant))}}
.btn--cta:active,.btn--linea:active{scale:.97}
.btn--grande{min-height:58px;padding:0 28px;font-size:1.08rem}
.btn--chico{min-height:44px;padding:0 16px;font-size:.98rem}
.btn--ancho{width:100%}
.btn--linea{min-height:48px;padding:0 18px;background:transparent;color:var(--azul);box-shadow:inset 0 0 0 1.5px var(--azul);transition:background-color var(--t-hover) var(--ease),color var(--t-hover) var(--ease),scale .15s var(--ease)}
@media (hover:hover){.btn--linea:hover{background:var(--azul);color:#fff}}

/* Franjas: siempre suben hacia la derecha */
.franja{position:absolute;top:0;bottom:0;display:block}
.franja--oro{background:var(--oro)}
.franja--eco1{background:var(--eco-oro)}
.franja--eco2{background:var(--eco-claro)}

/* Marco inclinado para fotos */
.marco{--h:400px;position:relative;margin:0;height:var(--h);overflow:hidden;
  clip-path:polygon(calc(var(--h) * .3) 0,100% 0,calc(100% - var(--h) * .3) 100%,0 100%)}
.marco picture,.marco img{display:block;width:100%;height:100%}
.marco img{object-fit:cover;object-position:50% 18%}

/* Lista con escudos */
.checks{display:grid;gap:14px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{width:24px;height:24px;flex:none;margin-top:1px;fill:none;stroke:var(--oro);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.checks b{font-weight:600}
.checks--chico{gap:10px;margin-top:22px}

/* ===== Intro ===== */
.intro{display:none}
.js .intro{display:block;position:fixed;inset:0;z-index:300;cursor:pointer;animation:introFuera 0s 5s forwards}
.gsap-listo .intro{animation:none}
@keyframes introFuera{to{visibility:hidden}}
.intro__panel{position:absolute;inset:0;background:var(--azul)}
.intro__band{position:absolute;left:0;bottom:0;height:100%;width:80px;background:var(--oro);visibility:hidden}
.intro__band--eco1{background:#5B5446}
.intro__band--eco2{background:#2A3557}
.intro__logo{position:absolute;inset:0;display:grid;place-content:center;justify-items:center;gap:22px}
.intro__v{width:clamp(96px,26vw,150px);height:auto;overflow:visible}
.intro__nombre{width:clamp(180px,52vw,300px);height:auto;fill:#fff}

/* ===== Navegación ===== */
.nav{position:fixed;inset:0 0 auto;z-index:50;transition:background-color .4s var(--ease),box-shadow .4s var(--ease),translate .45s var(--ease)}
.nav.is-solida{background:rgba(255,255,255,.96);box-shadow:0 10px 30px -18px rgba(14,30,69,.35)}
@supports (backdrop-filter:blur(8px)){.nav.is-solida{background:rgba(255,255,255,.86);backdrop-filter:blur(10px)}}
.nav.is-oculta{translate:0 -100%}
.nav__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:var(--nav-h);max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
.nav__logo{display:block;padding:6px 0;flex:none}
.nav__logo svg{display:block;height:30px;width:auto}
.nav__v-izq,.nav__nombre{fill:var(--azul)}
.nav__menu{display:none}
.nav__links{display:flex;gap:26px;font:600 .97rem/1 var(--font-body)}
.nav__links a{display:block;padding:14px 0;text-decoration:none;background:linear-gradient(var(--oro),var(--oro)) 0 calc(100% - 8px)/0 2px no-repeat;transition:background-size var(--t-hover) var(--ease)}
.nav__links a:hover{background-size:100% 2px}
.nav__acciones{display:flex;align-items:center;gap:10px}
.nav__cta{width:44px;padding:0}
.nav__cta-texto{display:none}
.nav__burger{display:grid;align-content:center;justify-items:center;gap:6px;width:44px;height:44px;border:0;border-radius:var(--r-sm);background:var(--azul);cursor:pointer}
.no-js .nav__burger{display:none}
.nav__burger i{display:block;width:20px;height:2px;border-radius:2px;background:#fff;transition:transform .45s var(--ease)}
.nav__burger i:last-child{width:14px;transform:translateX(3px)}
.nav__burger[aria-expanded="true"] i:first-of-type{transform:translateY(4px) rotate(45deg)}
.nav__burger[aria-expanded="true"] i:last-child{width:20px;transform:translateY(-4px) rotate(-45deg)}
@media (min-width:1080px){
  .nav__menu{display:block}
  .nav__burger{display:none}
  .nav__logo svg{height:32px}
  .nav__cta{width:auto;padding:0 18px}
  .nav__cta-texto{display:inline}
}

.menu-movil{position:fixed;inset:0;z-index:45;display:grid;align-content:center;gap:32px;padding:calc(var(--nav-h) + 20px) var(--gutter) 40px;background:var(--azul);color:#fff;overflow:auto}
.menu-movil[hidden]{display:none}
.menu-movil ul{display:grid;gap:4px}
.menu-movil li a{display:block;padding:10px 0;font:700 clamp(1.5rem,6vw,2rem)/1.15 var(--font-display);letter-spacing:-.02em;text-decoration:none}
.menu-movil .btn{justify-self:start}
.menu-movil__franjas{position:absolute;inset:0 -30% 0 62%;transform:skewX(var(--slant));transform-origin:0 100%;pointer-events:none;overflow:hidden}
.menu-movil__franjas .franja--oro{left:0;width:16%}
.menu-movil__franjas .franja--eco1{left:22%;width:6%}
.menu-abierto .nav{background:transparent;box-shadow:none;backdrop-filter:none}
.menu-abierto .nav__v-izq,.menu-abierto .nav__nombre{fill:#fff}

/* ===== Portada ===== */
.hero{position:relative;overflow:clip;background:var(--bg)}
.hero__panel{position:absolute;z-index:0;bottom:0;left:-16%;right:-40%;height:470px;background:var(--azul);transform:skewX(var(--slant));transform-origin:0 100%;overflow:hidden}
.hero__panel .franja--oro{left:56%;width:12%}
.hero__panel .franja--eco1{left:70%;width:4.5%}
.hero__panel .franja--eco2{left:77%;width:2%}
.hero__inner{position:relative;z-index:1;max-width:var(--maxw);margin-inline:auto;padding:calc(var(--nav-h) + 22px) var(--gutter) 0;display:grid;gap:26px}
.hero__texto{position:relative;z-index:3}
.hero__titulo{margin:16px 0 0;font:800 clamp(2.3rem,1.5rem + 3.9vw,4.9rem)/1.03 var(--font-display);letter-spacing:-.035em;color:var(--azul)}
.hero__titulo .w{display:inline-block;overflow:hidden;vertical-align:top;padding:.15em .1em .15em 0;margin:-.15em -.1em -.15em 0}
.hero__titulo .wi{display:inline-block}
.hero__acento{color:var(--oro-texto)}
.js .hero__titulo .wi{transform:translateY(130%);animation:lineaRescate 0s 5s forwards}
@keyframes lineaRescate{to{transform:none}}
.js [data-hero-in]{visibility:hidden;animation:rescate 0s 4.5s forwards}
@keyframes rescate{to{visibility:visible}}
.gsap-listo .hero__titulo .wi,.gsap-listo [data-hero-in]{animation:none}
.hero__sub{margin:18px 0 0;max-width:34em;font-size:clamp(1.06rem,1rem + .3vw,1.2rem);color:var(--pizarra)}
.hero__acciones{margin-top:26px}
.hero__aval{display:flex;align-items:flex-start;gap:10px;margin:16px 0 0;font-size:.97rem;line-height:1.45;color:var(--pizarra);max-width:34em}
.hero__aval svg{width:20px;height:20px;flex:none;margin-top:1px;fill:none;stroke:var(--oro-texto);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.hero__escena{position:relative;z-index:2;height:440px;display:grid;align-items:end;justify-items:start}
.hero__marco{--h:400px;width:min(290px,78vw)}
.hero__marco img{object-position:50% 18%}
.hero__dato{position:absolute;z-index:3;right:0;bottom:16px;display:grid;padding:12px 14px 12px 18px;margin:0;background:#fff;border-radius:var(--r-md);box-shadow:0 18px 40px -18px rgba(14,30,69,.45);max-width:156px}
.hero__dato::before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:4px;background:var(--oro);border-radius:0 3px 3px 0}
.hero__dato small{font:600 .8rem/1 var(--font-display);letter-spacing:.12em;text-transform:uppercase;color:var(--oro-texto)}
.hero__dato strong{margin-top:4px;font:800 1.65rem/1 var(--font-display);letter-spacing:-.03em;color:var(--azul)}
.hero__dato span{margin-top:4px;font-size:.92rem;line-height:1.3;color:var(--pizarra)}
@media (min-width:960px){
  .hero__panel{top:0;height:auto;left:57%;right:-30%}
  .hero__panel .franja--oro{left:26.5%;width:9%}
  .hero__panel .franja--eco1{left:38.5%;width:3.4%}
  .hero__panel .franja--eco2{left:44.6%;width:1.7%}
  .hero__inner{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);align-items:end;min-height:min(100svh,900px);padding-top:calc(var(--nav-h) + 36px)}
  .hero__texto{align-self:center;padding-bottom:64px}
  .hero__escena{height:auto;align-self:stretch;justify-items:center}
  .hero__marco{--h:clamp(460px,68svh,640px);width:calc(var(--h) * .86);margin-left:10%}
  .hero__dato{right:auto;left:-6%;bottom:15%;max-width:200px;padding:16px 20px 16px 20px}
  .hero__dato strong{font-size:2rem}
}

/* Franja de beneficios */
.beneficios{position:relative;padding:clamp(48px,7vw,84px) 0}
.beneficios__grid{display:grid;gap:34px}
.beneficio__icono{width:38px;height:38px;fill:none;stroke:var(--oro);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.beneficio__t{margin:14px 0 6px;font:600 1.2rem/1.25 var(--font-display);letter-spacing:-.01em}
.beneficio p{margin:0;color:var(--on-dark-muted);max-width:30em}
@media (min-width:900px){
  .beneficios__grid{grid-template-columns:repeat(3,1fr);gap:0}
  .beneficio{position:relative;padding:0 40px}
  .beneficio:first-child{padding-left:0}
  .beneficio+.beneficio::before{content:"";position:absolute;left:0;top:4px;bottom:4px;width:1px;background:var(--line-dark);transform:skewX(var(--slant))}
}

/* ===== Por qué a los 40+ ===== */
.porque__grid{display:grid;gap:40px}
.porque__intro .link-flecha{margin-top:18px}
.dependen{display:grid;counter-reset:d}
.dependen__item{display:grid;grid-template-columns:auto 1fr;gap:18px;padding:22px 0;border-top:1px solid var(--line)}
.dependen__item:last-child{border-bottom:1px solid var(--line)}
.dependen__n{font:800 1.05rem/1.4 var(--font-display);color:var(--oro-texto);letter-spacing:.04em}
.dependen h3{font:700 1.3rem/1.25 var(--font-display);letter-spacing:-.015em}
.dependen p{margin:6px 0 0;color:var(--pizarra)}
.cifras{display:grid;gap:14px;margin-top:clamp(40px,6vw,72px)}
.cifra{position:relative;display:grid;gap:6px;margin:0;padding:22px 22px 22px 30px;background:#fff;border-radius:var(--r-md);overflow:hidden}
.cifra::before{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--oro)}
.cifra::after{content:"";position:absolute;right:18px;top:18px;width:10px;height:26px;background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%;opacity:.9}
.cifra__num{font:800 clamp(2.2rem,1.6rem + 2.4vw,3.4rem)/1 var(--font-display);letter-spacing:-.035em;color:var(--azul);font-variant-numeric:tabular-nums}
.cifra__txt{color:var(--pizarra);font-size:1.02rem;line-height:1.4}
@media (min-width:900px){
  .porque__grid{grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);gap:72px;align-items:start}
  .cifras{grid-template-columns:repeat(3,1fr);gap:18px}
}

/* ===== Servicios ===== */
.servicios__grid{display:grid;gap:16px}
.servicio{position:relative;display:flex;flex-direction:column;padding:28px 24px 24px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;transition:border-color var(--t-hover) var(--ease),box-shadow var(--t-hover) var(--ease)}
.servicio::after{content:"";position:absolute;right:-26px;top:-40px;width:44px;height:150px;background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%;transition:translate .6s var(--ease)}
@media (hover:hover){.servicio:hover{border-color:var(--azul);box-shadow:0 26px 50px -34px rgba(14,30,69,.45)}.servicio:hover::after{translate:-12px 0}}
.servicio__icono{width:46px;height:46px;fill:none;stroke:var(--azul);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.servicio h3{margin:18px 0 8px;font:800 1.45rem/1.15 var(--font-display);letter-spacing:-.02em;padding-right:24px}
.servicio p{margin:0;color:var(--pizarra)}
.servicio__pie{display:flex;flex-wrap:wrap;align-items:center;gap:10px 20px;margin-top:auto;padding-top:22px}
@media (min-width:760px){.servicios__grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.servicio{padding:34px 32px 30px}}

/* ===== Tipos de seguro de vida ===== */
.tipos__lista{display:grid;gap:16px}
.tipo{display:grid;grid-template-columns:72px 1fr;grid-template-rows:auto auto auto 1fr;column-gap:14px;padding:24px 22px;background:#fff;border-radius:var(--r-lg)}
.tipo__barra{grid-row:1/-1;align-self:start;position:relative;height:120px}
.tipo__barra i{position:absolute;left:2px;bottom:0;width:24px;height:var(--alto);background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%;border-radius:3px}
.tipo__etiqueta{justify-self:start;padding:5px 10px;border-radius:99px;background:var(--niebla);font:600 .78rem/1.2 var(--font-display);letter-spacing:.06em;text-transform:uppercase;color:var(--azul)}
.tipo h3{margin:12px 0 6px;font:800 1.3rem/1.2 var(--font-display);letter-spacing:-.02em}
.tipo p{margin:0;color:var(--pizarra)}
.tipo .link-flecha{margin-top:8px;align-self:end;justify-self:start}
@media (min-width:900px){
  .tipos__lista{grid-template-columns:repeat(3,1fr);gap:20px;align-items:stretch}
  .tipo{grid-template-columns:1fr;grid-template-rows:180px auto auto 1fr auto;padding:28px 28px 26px}
  .tipo__barra{grid-row:auto;height:auto;align-self:stretch;margin-bottom:30px}
  .tipo__barra i{left:30px;width:44px}
}

/* ===== Herencia ===== */
.herencia{overflow:clip}
.herencia__franjas{position:absolute;inset:0 -20% 0 58%;transform:skewX(var(--slant));transform-origin:0 100%;pointer-events:none}
.herencia__franjas .franja--oro{left:30%;width:9%}
.herencia__franjas .franja--eco1{left:43%;width:3.4%}
.herencia__franjas .franja--eco2{left:50%;width:1.7%}
.herencia__grid{position:relative;display:grid;gap:40px}
.herencia__acciones{display:flex;flex-wrap:wrap;align-items:center;gap:14px 24px;margin-top:28px}
.herencia__lado{display:grid;gap:22px;align-content:start}
.herencia .checks{gap:18px;font-size:1.08rem}
.dato-util{padding:22px 22px 14px;border-radius:var(--r-md);background:rgba(255,255,255,.06);box-shadow:inset 0 0 0 1px var(--line-dark)}
.dato-util__t{margin:0;font:700 1.1rem/1.3 var(--font-display)}
.dato-util p{margin:8px 0 0;color:var(--on-dark-muted)}
.dato-util .link-flecha{margin-top:6px}
@media (min-width:960px){
  .herencia__grid{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:72px;align-items:center}
  .herencia__lado{position:relative;z-index:1;padding:32px;border-radius:var(--r-lg);background:rgba(14,30,69,.88)}
}

/* ===== Retiro y PPR ===== */
.retiro__grid{display:grid;gap:32px}
.tope{position:relative;padding:28px 24px;border-radius:var(--r-lg);background:var(--azul);color:#fff;overflow:hidden;isolation:isolate}
.tope::after{content:"";position:absolute;z-index:-1;right:10px;top:0;bottom:0;width:34px;background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%}
.tope__label{margin:0;font:500 .8rem/1.3 var(--font-display);letter-spacing:.2em;text-transform:uppercase;color:var(--oro);padding-right:24px}
.tope__num{margin:12px 0 0;font:800 clamp(2.2rem,1.6rem + 3vw,3.9rem)/1 var(--font-display);letter-spacing:-.035em;font-variant-numeric:tabular-nums}
.tope__nota{margin:14px 0 0;color:var(--on-dark-muted);max-width:30em;padding-right:44px}
.fuente--claro{color:rgba(238,240,244,.66);padding-right:52px}
.retiro__datos{display:grid;gap:10px;margin-top:32px}
.retiro__datos li{padding:16px 18px;border-left:4px solid var(--oro);background:var(--niebla);border-radius:0 var(--r-sm) var(--r-sm) 0;color:var(--pizarra)}
.retiro__datos b{color:var(--azul);font-weight:600}
.retiro__sub{margin:clamp(40px,5vw,60px) 0 16px;font:700 1.3rem/1.25 var(--font-display);letter-spacing:-.015em}
.planes{display:grid;gap:12px}
.plan{position:relative;display:grid;gap:4px;padding:20px 22px;border:1px solid var(--line);border-radius:var(--r-md);text-decoration:none;transition:border-color var(--t-hover) var(--ease),background-color var(--t-hover) var(--ease)}
@media (hover:hover){.plan:hover{border-color:var(--azul);background:var(--niebla)}}
.plan__ase{font:500 .78rem/1.2 var(--font-display);letter-spacing:.2em;text-transform:uppercase;color:var(--oro-texto)}
.plan__prod{font:800 1.18rem/1.2 var(--font-display);letter-spacing:-.015em}
.plan__txt{color:var(--pizarra);font-size:.98rem}
.retiro__acciones{display:flex;flex-wrap:wrap;align-items:center;gap:12px 26px;margin-top:30px}
@media (min-width:900px){
  .retiro__grid{grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:64px;align-items:center}
  .retiro__datos{grid-template-columns:repeat(3,1fr);gap:16px}
  .planes{grid-template-columns:repeat(4,1fr);gap:16px}
  .tope{padding:40px 40px 34px}
}

/* ===== Cómo funciona ===== */
.pasos .wrap{position:relative}
.pasos__lista{position:relative;z-index:1;display:grid;gap:14px;counter-reset:p}
.paso{position:relative;padding:24px 22px;background:#fff;border-radius:var(--r-lg)}
.paso__n{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--azul);color:#fff;font:800 1.15rem/1 var(--font-display)}
.paso h3{margin:16px 0 6px;font:800 1.3rem/1.2 var(--font-display);letter-spacing:-.02em}
.paso p{margin:0;color:var(--pizarra)}
.pasos__cuerpo{position:relative}
.pasos__linea{display:none}
@media (min-width:900px){
  .pasos__cuerpo{padding-top:40px}
  .pasos__lista{grid-template-columns:repeat(3,1fr);gap:22px;align-items:start}
  .paso:nth-child(1){margin-top:120px}
  .paso:nth-child(2){margin-top:60px}
  .pasos__linea{display:block;position:absolute;z-index:0;left:0;top:0;width:100%;height:150px;overflow:visible;pointer-events:none}
  .pasos__linea path{fill:none;stroke:var(--oro);stroke-width:5;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
}

/* ===== Sobre mí ===== */
.sobre__grid{display:grid;gap:36px}
.sobre__foto{position:relative}
.sobre__marco{--h:clamp(380px,62vw,520px);width:min(100%,calc(var(--h) * .76 + var(--h) * .3))}
.sobre__marco img{object-position:50% 25%}
.sobre__cedula{display:flex;gap:12px;align-items:flex-start;margin:18px 0 0;font-size:.98rem;line-height:1.45;color:var(--pizarra)}
.sobre__cedula svg{width:24px;height:24px;flex:none;fill:none;stroke:var(--oro-texto);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.sobre__cedula a{color:var(--azul);font-weight:600}
.cita{position:relative;margin:30px 0 0;padding:4px 0 4px 34px}
.cita::before{content:"";position:absolute;left:0;top:8px;width:9px;height:40px;background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%}
.cita p{margin:0;font:600 clamp(1.25rem,1.05rem + .9vw,1.65rem)/1.35 var(--font-display);letter-spacing:-.015em;color:var(--azul)}
.principios{display:grid;gap:14px;margin-top:30px}
.principios li{padding-top:14px;border-top:1px solid var(--line)}
.principios h3{font:700 1.08rem/1.3 var(--font-display)}
.principios p{margin:4px 0 0;color:var(--pizarra);font-size:1rem}
.sobre__texto > .link-flecha{display:flex;width:max-content;margin-top:14px}
@media (min-width:960px){
  .sobre__grid{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:72px;align-items:start}
  .sobre__foto{position:sticky;top:calc(var(--nav-h) + 30px)}
  .principios{grid-template-columns:repeat(3,1fr);gap:20px}
}

/* ===== Aseguradoras ===== */
.ase__lista{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line)}
.ase__lista li{border-bottom:1px solid var(--line)}
.ase__lista li:nth-child(odd){border-right:1px solid var(--line)}
.ase__lista a,.ase__nombre{display:flex;flex-direction:column;justify-content:center;gap:4px;min-height:96px;padding:18px 16px;font:800 clamp(1.3rem,1rem + 1.4vw,2rem)/1.1 var(--font-display);letter-spacing:-.025em;color:var(--azul);text-decoration:none}
.ase__lista a span{font:600 .9rem/1.2 var(--font-body);letter-spacing:0;color:var(--oro-texto)}
@media (hover:hover){.ase__lista a:hover{background:#fff}}
@media (min-width:900px){
  .ase__lista{grid-template-columns:repeat(4,1fr)}
  .ase__lista li:nth-child(odd){border-right:0}
  .ase__lista li:not(:nth-child(4n)){border-right:1px solid var(--line)}
  .ase__lista a,.ase__nombre{min-height:132px;padding:24px 28px}
}

/* ===== Cotización ===== */
.cotiza{overflow:clip}
.cotiza__grid{display:grid;gap:36px}
.contacto-directo{display:grid;gap:12px;margin-top:28px}
.contacto-directo li{display:flex;align-items:center;gap:12px;color:var(--on-dark-muted);word-break:break-word}
.contacto-directo svg{width:22px;height:22px;flex:none;fill:none;stroke:var(--oro);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.contacto-directo a{color:#fff;font-weight:600;text-decoration-color:var(--oro);text-underline-offset:4px;padding:8px 0}
.form{display:grid;gap:16px;padding:26px 22px;border-radius:var(--r-lg);background:#fff;color:var(--azul)}
.campo{display:grid;gap:6px}
.campo--doble{grid-template-columns:1fr;gap:16px}
.campo--doble > div{display:grid;gap:6px}
.form label{font:600 .98rem/1.3 var(--font-body)}
.opcional{font-weight:400;color:var(--pizarra)}
.form input,.form select{width:100%;min-height:52px;padding:12px 14px;border:1.5px solid #B9C0CD;border-radius:var(--r-sm);background:#fff;color:var(--azul);font-size:1rem;transition:border-color .25s var(--ease),box-shadow .25s var(--ease)}
.form select{appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E1E45' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") right 14px center/20px no-repeat;padding-right:44px}
.form input:focus,.form select:focus{outline:none;border-color:var(--azul);box-shadow:0 0 0 3px rgba(201,162,77,.45)}
.form [aria-invalid="true"]{border-color:var(--error)}
.form__error{margin:0;padding:10px 14px;border-radius:var(--r-sm);background:#FCE9E7;color:var(--error);font-weight:600}
.form__ok{margin:0;padding:10px 14px;border-radius:var(--r-sm);background:var(--niebla);font-weight:600}
.form__nota{margin:0;font-size:.84rem;line-height:1.45;color:var(--pizarra)}
.form__nota a{color:var(--azul)}
@media (min-width:600px){.campo--doble{grid-template-columns:1fr 1.4fr}}
@media (min-width:960px){
  .cotiza__grid{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:64px;align-items:start}
  .form{padding:34px 32px}
}

/* ===== Preguntas frecuentes ===== */
.faq__grid{display:grid;gap:32px}
.faq__cabeza .btn{margin-top:22px}
.faq__lista{display:grid;gap:10px}
.qa{border-radius:var(--r-md);background:#fff;border:1px solid var(--line);transition:border-color .3s var(--ease)}
.qa.is-open{border-color:var(--azul)}
.qa h3{font:inherit}
.qa__q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:60px;padding:18px 20px;text-align:left;background:none;border:0;cursor:pointer;font:600 1.06rem/1.35 var(--font-display);letter-spacing:-.01em;color:var(--azul)}
.qa__icono{position:relative;width:34px;height:34px;flex:none;border-radius:10px;background:var(--niebla);transition:background-color .3s var(--ease),transform .5s var(--ease)}
.qa__icono::before,.qa__icono::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;background:currentColor;border-radius:2px;transition:transform .5s var(--ease)}
.qa__icono::after{transform:rotate(90deg)}
.qa.is-open .qa__icono{background:var(--oro);transform:rotate(180deg)}
.qa.is-open .qa__icono::after{transform:rotate(0deg)}
.qa__a{display:grid;grid-template-rows:1fr}
.js .qa__a{grid-template-rows:0fr}
.js .qa.is-open .qa__a{grid-template-rows:1fr}
.qa-listo .qa__a{transition:grid-template-rows .55s var(--ease)}
.qa__a > div{overflow:hidden}
.qa__a p{margin:0;padding:0 20px 20px;color:var(--pizarra)}
.qa__a a{color:var(--azul);font-weight:600}
@media (min-width:960px){.faq__grid{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;align-items:start}.faq__cabeza{position:sticky;top:calc(var(--nav-h) + 30px)}}

/* ===== Guías y blog ===== */
.guias__grid{display:grid;gap:22px}
.indice{padding:26px 22px;border-radius:var(--r-lg);background:#fff}
.indice__t{margin-bottom:10px;font:800 1.2rem/1.25 var(--font-display);letter-spacing:-.015em}
.indice ul{margin-bottom:10px}
.indice li a{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:48px;padding:10px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;line-height:1.35}
.indice li a::after{content:"";flex:none;width:9px;height:14px;background:var(--oro);clip-path:polygon(25% 0,100% 0,75% 100%,0 100%);transition:translate var(--t-hover) var(--ease)}
@media (hover:hover){.indice li a:hover::after{translate:4px 0}}
.calc{position:relative;display:grid;gap:8px;margin-top:20px;padding:24px 22px;border-radius:var(--r-md);text-decoration:none;overflow:hidden;isolation:isolate}
.calc::after{content:"";position:absolute;z-index:-1;right:6px;top:0;bottom:0;width:26px;background:var(--oro);transform:skewX(var(--slant));transform-origin:0 100%}
.calc__t{font:800 1.2rem/1.25 var(--font-display);padding-right:36px}
.calc__p{color:var(--on-dark-muted);padding-right:36px}
@media (min-width:900px){.guias__grid{grid-template-columns:1fr 1fr;gap:24px}.indice{padding:32px 32px}}

/* ===== Cierre ===== */
.cierre{position:relative;padding:clamp(88px,12vw,160px) 0;overflow:clip;text-align:center}
.cierre__franjas{position:absolute;inset:0 -40% 80% 72%;transform:skewX(var(--slant));transform-origin:0 100%;pointer-events:none;overflow:hidden}
.cierre__franjas .franja--oro{left:0;width:22%}
.cierre__franjas .franja--eco1{left:30%;width:9%}
.cierre__franjas .franja--eco2{left:44%;width:4%}
@media (min-width:900px){
  .cierre__franjas{inset:0 -20% 0 64%}
  .cierre__franjas .franja--oro{left:6%;width:12%}
  .cierre__franjas .franja--eco1{left:24%;width:5%}
  .cierre__franjas .franja--eco2{left:34%;width:2.4%}
}
.cierre__inner{position:relative;display:grid;justify-items:center}
.cierre__v{width:74px;height:74px;overflow:visible}
.cierre__t{max-width:15em;margin-top:22px}
.cierre .lead{margin-inline:auto}
.cierre .btn{margin-top:30px}

/* ===== Pie de página ===== */
.pie{padding:clamp(56px,7vw,88px) 0 40px;border-top:1px solid var(--line-dark)}
.pie__marca{display:grid;gap:16px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
.pie__logo{width:min(380px,82vw);height:auto;overflow:visible}
.pie__logo .pl{transform-box:fill-box;transform-origin:50% 100%}
.pie__lema{margin:0;font:700 clamp(1.15rem,1rem + .8vw,1.5rem)/1.3 var(--font-display);color:var(--oro)}
.pie__grid{display:grid;gap:30px;padding:40px 0}
.pie__t{margin-bottom:10px;font:500 .78rem/1.2 var(--font-display);letter-spacing:.22em;text-transform:uppercase;color:var(--oro)}
.pie__grid li{color:var(--on-dark-muted)}
.pie__grid a{display:inline-block;padding:7px 0;color:#fff;text-decoration:none;word-break:break-word}
.pie__grid a:hover{text-decoration:underline;text-decoration-color:var(--oro);text-underline-offset:4px}
.pie__fuentes,.pie__legal{margin:0 0 14px;font-size:.88rem;line-height:1.55;color:rgba(238,240,244,.7)}
.pie__fuentes a,.pie__legal a{color:#fff}
.pie__arriba{display:inline-flex;align-items:center;gap:8px;min-height:44px;margin-top:10px;color:#fff;font-weight:600;text-decoration:none}
.pie__arriba svg{width:17px;height:17px;fill:none;stroke:var(--oro);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;rotate:-45deg}
@media (min-width:900px){.pie__grid{grid-template-columns:repeat(3,1fr);gap:40px}.pie__marca{grid-template-columns:auto 1fr;align-items:end;gap:40px}.pie__lema{justify-self:end}}

/* ===== Barra fija del celular ===== */
.barra-movil{position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom));z-index:40;display:none;transform:translateY(160%);transition:transform .6s var(--ease)}
.barra-movil.is-visible{transform:none}
.barra-movil .btn{min-height:56px;box-shadow:0 16px 34px -12px rgba(14,30,69,.55)}
@media (max-width:899px){.barra-movil{display:flex}.pie{padding-bottom:110px}}
.analitica-abierta .barra-movil{transform:translateY(160%)}

/* ===== Preferencias de analítica ===== */
.analitica{position:fixed;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom));z-index:60;display:grid;gap:12px;padding:18px 18px 16px;border-radius:var(--r-md);background:#fff;color:var(--azul);box-shadow:0 24px 60px -20px rgba(14,30,69,.55);border:1px solid var(--line)}
.analitica p{margin:0;font-size:.95rem;line-height:1.45;color:var(--pizarra)}
.analitica p a{color:var(--azul);font-weight:600}
.analitica__btns{display:flex;gap:10px;justify-content:flex-end}
.analitica__btns button{min-height:44px;padding:0 18px;border-radius:var(--r-sm);border:0;font-weight:600;cursor:pointer}
.analitica__no{background:var(--niebla);color:var(--azul)}
.analitica__si{background:var(--azul);color:#fff}
@media (min-width:700px){.analitica{left:auto;right:20px;bottom:20px;max-width:420px}}

/* ===== Menos movimiento ===== */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;transition-delay:0s!important;scroll-behavior:auto!important}
  .js .intro{display:none}
  .js .hero__titulo .wi{transform:none}
  .js [data-hero-in]{visibility:visible}
}