/* Dictamen de Póliza — launch landing. No build step. Mobile-first. */
:root{
  --navy-900:#081a30;
  --navy-800:#0d2544;
  --navy-700:#143257;
  --navy-100:#e8eef6;
  --ink:#16202c;
  --muted:#4a5868;
  --line:#d9e0e8;
  --bg:#ffffff;
  --bg-soft:#f6f8fb;
  --gold:#d4a84b;        /* accents on navy (7:1 on navy-800) */
  --gold-ink:#7a5a12;    /* gold text on white (>=6:1) */
  --gold-soft:#faf3e3;
  --ph-bg:#fff3b0;       /* placeholder highlight */
  --ph-ink:#5c4400;
  --radius:14px;
  --shadow:0 1px 2px rgba(8,26,48,.06),0 8px 24px rgba(8,26,48,.08);
  --max:1120px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:1.0625rem;line-height:1.6}
img,svg{display:block;max-width:100%}
a{color:var(--navy-700);text-underline-offset:2px}
a:hover{color:var(--navy-900)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.2;color:var(--navy-900);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(1.85rem,5.2vw,3rem)}
h2{font-size:clamp(1.5rem,3.6vw,2.15rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
ul,ol{padding-left:1.2em;margin:0 0 1em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--navy-900);padding:8px 12px;border-radius:8px;z-index:100}
.skip:focus{left:8px}

/* Placeholders Pedro must fill — intentionally loud */
.ph{background:var(--ph-bg);color:var(--ph-ink);padding:.05em .35em;border-radius:4px;font-weight:600;border:1px dashed #c9a400;font-size:.95em}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-900);font-weight:700;letter-spacing:-.01em}
.brand svg{width:34px;height:34px;flex:none}
.brand small{display:block;font-weight:500;color:var(--muted);font-size:.72rem;letter-spacing:.02em}
.brand span{line-height:1.15;font-size:1.05rem}
.nav{display:flex;align-items:center;gap:8px}
.nav-links{display:none;gap:18px;margin-right:8px}
.nav-links a{text-decoration:none;color:var(--muted);font-size:.95rem;font-weight:500}
.nav-links a:hover{color:var(--navy-900)}
.lang{display:inline-flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;font-size:.85rem;font-weight:600}
.lang a,.lang span{padding:6px 10px;text-decoration:none;color:var(--muted)}
.lang [aria-current]{background:var(--navy-800);color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;line-height:1.2;text-align:center;font-family:inherit}
.btn:hover{transform:translateY(-1px)}
.btn svg{width:20px;height:20px;flex:none}
.btn-gold{background:var(--gold);color:var(--navy-900);box-shadow:0 6px 18px rgba(212,168,75,.35)}
.btn-gold:hover{background:#e0b85c;color:var(--navy-900)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff;background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.08);color:#fff}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-900);color:#fff}
.btn-outline{border-color:var(--navy-800);color:var(--navy-800);background:#fff}
.btn-outline:hover{background:var(--navy-100);color:var(--navy-900)}
.btn-wa{background:#1f7a4d;color:#fff}
.btn-wa:hover{background:#18643f;color:#fff}
.btn-sm{min-height:40px;padding:8px 14px;font-size:.9rem}
.header-cta{display:none}

/* Hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 85% -10%,#1d4374 0%,rgba(29,67,116,0) 60%),linear-gradient(180deg,var(--navy-800),var(--navy-900));color:#e9eef5;padding:56px 0 64px}
.hero h1{color:#fff;max-width:20ch}
.hero .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.hero .lead{font-size:1.125rem;max-width:60ch;color:#d5deea}
.hero .lead strong{color:#fff}
.hero-ctas{display:flex;flex-direction:column;gap:12px;margin:28px 0 22px}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 18px;list-style:none;padding:0;margin:0;font-size:.92rem;color:#c6d2e1}
.hero-trust li{display:flex;align-items:center;gap:8px}
.hero-trust svg{width:18px;height:18px;color:var(--gold);flex:none}
.hero-art{display:none}
.hero-grid{display:grid;gap:32px;align-items:center}

/* Sections */
section{scroll-margin-top:72px}
.section{padding:64px 0}
.section.soft{background:var(--bg-soft)}
.section.navy{background:var(--navy-800);color:#dfe7f1}
.section.navy h2,.section.navy h3{color:#fff}
.section-head{max-width:720px;margin-bottom:32px}
.kicker{display:block;font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:8px}
.section.navy .kicker{color:var(--gold)}
.section-head p{color:var(--muted);font-size:1.075rem}
.section.navy .section-head p{color:#c9d5e3}

.grid{display:grid;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.icon{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:var(--navy-100);color:var(--navy-800);margin-bottom:14px}
.icon svg{width:24px;height:24px}

/* Warning signs */
.signs{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.signs li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:14px 16px}
.signs svg{width:22px;height:22px;color:var(--gold-ink);flex:none;margin-top:2px}
.callout{margin-top:20px;background:var(--gold-soft);border:1px solid #ecd9ad;border-radius:12px;padding:16px 18px;color:#3d2e08}
.callout strong{color:#2b2006}

/* Steps */
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px 22px;box-shadow:var(--shadow)}
.step-num{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy-800);color:var(--gold);font-weight:800;margin-bottom:12px}
.steps .meta{display:inline-block;font-size:.82rem;font-weight:700;color:var(--gold-ink);background:var(--gold-soft);border-radius:999px;padding:2px 10px;margin-bottom:10px}

/* Report includes */
.includes{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.includes li{display:flex;gap:12px;align-items:flex-start;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.includes svg{width:22px;height:22px;color:var(--gold);flex:none;margin-top:3px}
.includes strong{color:#fff}
.not-do{margin-top:28px;border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:18px 20px;background:rgba(255,255,255,.04)}
.not-do h3{font-size:1rem;color:var(--gold)!important;margin-bottom:.5em}
.not-do p{margin:0;color:#c9d5e3}

/* Pricing */
.price-grid{display:grid;gap:16px;align-items:stretch}
.price{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;box-shadow:var(--shadow);position:relative}
.price.featured{border:2px solid var(--gold);box-shadow:0 12px 32px rgba(8,26,48,.14)}
.badge{position:absolute;top:-13px;left:22px;background:var(--navy-800);color:var(--gold);font-size:.75rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:999px}
.price .tag{font-size:.8rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:6px}
.amount{font-size:2rem;font-weight:800;color:var(--navy-900);line-height:1.1;margin:8px 0 2px}
.amount small{font-size:.95rem;font-weight:600;color:var(--muted)}
.usd{color:var(--muted);font-size:.95rem;margin-bottom:14px}
.price ul{list-style:none;padding:0;margin:0 0 20px;display:grid;gap:8px;font-size:.98rem}
.price li{display:flex;gap:10px;align-items:flex-start}
.price li svg{width:18px;height:18px;color:#1f7a4d;flex:none;margin-top:4px}
.price .btn{margin-top:auto}
.terms{margin-top:22px;display:grid;gap:10px;font-size:.95rem;color:var(--muted)}
.terms p{margin:0}
.terms strong{color:var(--ink)}

/* About */
.about-grid{display:grid;gap:28px;align-items:start}
.portrait{width:100%;max-width:320px;aspect-ratio:4/5;border-radius:18px;background:linear-gradient(160deg,var(--navy-700),var(--navy-900));display:grid;place-items:center;color:var(--gold);position:relative;overflow:hidden}
.portrait svg{width:46%;height:auto;opacity:.9}
.portrait .ph{position:absolute;bottom:14px;left:14px;right:14px;text-align:center;font-size:.8rem}
.cred{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:18px 0}
.cred dt{font-weight:700;color:var(--navy-900);font-size:.92rem}
.cred dd{margin:2px 0 12px}
.cred dd:last-child{margin-bottom:0}
.signature{font-style:italic;color:var(--muted)}
.small{font-size:.9rem;color:var(--muted)}

/* Pledge */
.pledge{background:linear-gradient(180deg,#fff,var(--gold-soft));border:2px solid var(--gold);border-radius:18px;padding:30px 24px;text-align:left;box-shadow:var(--shadow)}
.pledge h2{display:flex;gap:12px;align-items:center}
.pledge h2 svg{width:36px;height:36px;color:var(--gold-ink);flex:none}
.pledge-list{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:10px}
.pledge-list li{display:flex;gap:10px;align-items:flex-start}
.pledge-list svg{width:20px;height:20px;color:var(--gold-ink);flex:none;margin-top:3px}

/* Self-check */
.selfcheck{display:grid;gap:20px}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checks label{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;cursor:pointer}
.checks input{width:20px;height:20px;margin-top:3px;accent-color:var(--navy-800);flex:none}
.result{margin-top:14px;border-radius:12px;padding:14px 16px;background:var(--navy-100);color:var(--navy-900);font-weight:600}
.result.alert{background:var(--gold-soft);border:1px solid #ecd9ad;color:#3d2e08}
.numbers{counter-reset:n;list-style:none;padding:0;margin:0;display:grid;gap:8px}
.numbers li{counter-increment:n;display:flex;gap:10px;align-items:flex-start}
.numbers li::before{content:counter(n);flex:none;display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--navy-800);color:var(--gold);font-weight:800;font-size:.85rem;margin-top:1px}
.download{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-top:18px}

/* FAQ */
.faq{display:grid;gap:10px;max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px}
.faq summary{cursor:pointer;list-style:none;padding:16px 28px 16px 0;font-weight:700;color:var(--navy-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--gold-ink);font-weight:500}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:6px}

/* Contact */
.contact-grid{display:grid;gap:28px}
.contact-options{display:grid;gap:12px}
.contact-card{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow)}
.contact-card:hover{border-color:var(--navy-700);color:var(--ink)}
.contact-card .icon{margin:0}
.contact-card strong{display:block;color:var(--navy-900)}
.contact-card span{font-size:.92rem;color:var(--muted);word-break:break-word}
.warn{display:flex;gap:12px;align-items:flex-start;background:#fff4f2;border:1px solid #f1c6bd;color:#6b1d0e;border-radius:12px;padding:14px 16px;font-size:.96rem}
.warn svg{width:22px;height:22px;flex:none;margin-top:1px}
form.intake{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:grid;gap:14px}
.field{display:grid;gap:6px}
.field label,.field legend{font-weight:600;font-size:.95rem;color:var(--navy-900)}
.field .hint{font-size:.85rem;color:var(--muted);font-weight:400}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:1rem;padding:11px 12px;border:1px solid #b9c4d1;border-radius:10px;background:#fff;color:var(--ink);min-height:46px}
textarea{min-height:90px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(212,168,75,.55);outline-offset:0;border-color:var(--navy-700)}
.row2{display:grid;gap:14px;align-items:end}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.93rem}
.consent input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--navy-800)}
.req{color:#a0281a}
.form-note{font-size:.85rem;color:var(--muted);margin:0}
.dev-note{font-size:.8rem}

/* Footer */
.site-footer{background:var(--navy-900);color:#b9c6d6;padding:48px 0 90px;font-size:.92rem}
.site-footer a{color:#e6edf6}
.site-footer h2,.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.6em}
.footer-grid{display:grid;gap:28px}
.footer-brand{display:flex;gap:10px;align-items:center;color:#fff;font-weight:700;margin-bottom:10px}
.footer-brand svg{width:34px;height:34px;background:#fff;border-radius:9px;padding:3px}
.no-wa{display:inline-flex;gap:8px;align-items:center;background:rgba(212,168,75,.12);border:1px solid rgba(212,168,75,.5);color:#f3dfae;border-radius:999px;padding:6px 12px;font-weight:700;font-size:.85rem;margin:6px 0 12px}
.no-wa svg{width:16px;height:16px}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:22px;line-height:1.65}
.privacy{margin-top:18px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:6px 16px}
.privacy summary{cursor:pointer;padding:10px 0;color:#fff;font-weight:700}
.privacy .ph{font-size:.85rem}
.privacy .updated{color:#e6edf6;font-weight:600;font-size:.88rem;margin:.2em 0 .8em}
.privacy h3{color:#fff;font-size:.98rem;margin:1.2em 0 .35em}
.privacy h4{color:#e6edf6;font-size:.92rem;margin:.9em 0 .3em}
.privacy p,.privacy li{font-size:.9rem}
.privacy ul{margin:.2em 0 .8em;padding-left:1.2em}
.privacy li{margin:.25em 0}
.privacy strong{color:#e6edf6}
.copy{margin-top:18px;color:#8fa1b6;font-size:.85rem}

/* Floating WhatsApp */
.wa-float{position:fixed;right:16px;bottom:16px;z-index:60;display:inline-flex;align-items:center;gap:8px;background:#1f7a4d;color:#fff;border-radius:999px;padding:12px 16px;font-weight:700;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25);font-size:.95rem}
.wa-float:hover{background:#18643f;color:#fff}
.wa-float svg{width:22px;height:22px}

/* ≥ 640px */
@media (min-width:640px){
  .hero-ctas{flex-direction:row;flex-wrap:wrap}
  .grid-2,.signs{grid-template-columns:1fr 1fr}
  .row2{grid-template-columns:1fr 1fr}
  .header-cta{display:inline-flex}
}
/* ≥ 900px */
@media (min-width:900px){
  body{font-size:1.075rem}
  .section{padding:88px 0}
  .hero{padding:84px 0 92px}
  .hero-grid{grid-template-columns:1.35fr .9fr}
  .hero-art{display:block}
  .nav-links{display:flex}
  .steps{grid-template-columns:repeat(3,1fr)}
  .grid-3{grid-template-columns:repeat(3,1fr)}
  .price-grid{grid-template-columns:.9fr 1fr 1.1fr}
  .includes{grid-template-columns:1fr 1fr;column-gap:36px}
  .about-grid{grid-template-columns:300px 1fr;gap:48px}
  .selfcheck{grid-template-columns:1fr 1fr;gap:36px}
  .contact-grid{grid-template-columns:.85fr 1.15fr;gap:40px}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}
  .pledge{padding:40px 44px}
  .site-footer{padding-bottom:56px}
}
@media print{.site-header,.wa-float{display:none}.hero{background:#fff;color:#000}}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
.founder-note{border-left:3px solid var(--gold);padding:.2em 0 .2em 1em;margin:0 0 1.2em;font-style:italic}.founder-note p{margin:.5em 0}