/* =========================================================
   VALORA — Health · Wealth · Longevity
   Paleta de marca: #081D42 · #285BCB · #C9A84C
   ========================================================= */

:root{
  --navy:#081D42;
  --navy-deep:#050F26;
  --navy-soft:#0C2A5C;
  --navy-line:rgba(201,168,76,.22);
  --blue:#285BCB;
  --blue-soft:#3E72E0;
  --gold:#C9A84C;
  --gold-light:#E6CE8C;
  --gold-warm:#E0A94A;
  --gold-deep:#A8873A;
  --cream:#FAF8F4;
  --cream-2:#F2EEE6;
  --white:#fff;
  --ink:#0B1B36;
  --ink-2:#3A4A66;
  --ink-3:#6B7B94;

  --serif:'Cormorant Garamond',Georgia,'Times New Roman',serif;
  --brand:'Cinzel',Georgia,serif;
  --sans:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;

  --wrap:1240px;
  --pad:clamp(20px,5vw,48px);
  --sec:clamp(58px,6.6vw,96px);
  --r:16px;
  --r-sm:10px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--cream);color:var(--ink);
  font-family:var(--sans);font-size:16px;line-height:1.7;font-weight:400;letter-spacing:-.005em;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer}
h1,h2,h3,h4{margin:0;font-weight:400;line-height:1.14;letter-spacing:-.01em}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding-inline:var(--pad)}
.sec{padding-block:var(--sec);position:relative}
section[id]{scroll-margin-top:96px}

/* ---------- tipografía ---------- */
.eyebrow{
  font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold);margin:0 0 18px;
}
.eyebrow.on-light{color:var(--gold-deep)}
.h2{font-family:var(--serif);font-size:clamp(32px,4.4vw,57px);font-weight:600;line-height:1.06;letter-spacing:-.018em}
.h3{font-family:var(--serif);font-size:clamp(24px,2.6vw,33px);font-weight:700;line-height:1.2}
.lead{font-size:clamp(15px,1.35vw,17.5px);line-height:1.78;color:var(--ink-2);max-width:60ch}
.gold{color:var(--gold)}
.wordmark{font-family:var(--brand);letter-spacing:.14em;font-weight:600}
.rule{width:54px;height:2px;background:linear-gradient(90deg,var(--gold),transparent);margin:26px 0}

/* ---------- superficies oscuras ---------- */
.dark{background:var(--navy);color:#EAF0FA}
.dark .lead{color:rgba(226,235,250,.72)}
.dark .h2,.dark .h3{color:#fff}
.darker{background:var(--navy-deep);color:#EAF0FA}
.darker .lead{color:rgba(226,235,250,.7)}
.darker .h2,.darker .h3{color:#fff}

/* ---------- botones ---------- */
.btn{
  display:inline-flex;align-items:center;gap:12px;
  padding:16px 32px;border-radius:999px;border:1px solid transparent;
  font-size:12.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;
  transition:transform .3s cubic-bezier(.2,.7,.3,1),box-shadow .3s ease,background .25s ease,color .25s ease,border-color .25s ease;
  white-space:nowrap;
}
.btn .ar{transition:transform .25s ease}
.btn:hover .ar{transform:translateX(5px)}
.btn-gold{
  background:var(--gold);color:#0B1B36;
  box-shadow:0 8px 24px -10px rgba(201,168,76,.55);
}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 14px 34px -12px rgba(201,168,76,.7)}
.btn-ghost{border-color:rgba(255,255,255,.3);color:#fff}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-light);transform:translateY(-2px)}
.btn-outline{border-color:rgba(8,29,66,.22);color:var(--navy)}
.btn-outline:hover{border-color:var(--gold-deep);color:var(--gold-deep);transform:translateY(-2px)}

/* =========================================================
   HEADER
   ========================================================= */
.hdr{
  position:fixed;inset:0 0 auto;z-index:100;
  transition:background .35s ease,box-shadow .35s ease,border-color .35s ease;
  border-bottom:1px solid transparent;
}
.hdr.scrolled{background:rgba(8,29,66,.94);backdrop-filter:blur(14px);border-bottom-color:rgba(201,168,76,.2)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:34px}
.brand-txt{display:flex;flex-direction:column;line-height:1}
.brand-txt b{font-family:var(--brand);font-size:19px;font-weight:600;letter-spacing:.2em;color:#fff}
.brand-txt span{font-size:8px;letter-spacing:.22em;white-space:nowrap;color:rgba(230,206,140,.85);margin-top:5px;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:clamp(18px,2vw,32px)}
.nav a{
  font-size:11.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap;
  color:rgba(234,240,250,.82);position:relative;padding-block:6px;transition:color .2s;
}
.nav a::after{
  content:"";position:absolute;left:0;bottom:0;height:1px;width:0;background:var(--gold);transition:width .28s ease;
}
.nav a:hover{color:#fff}
.nav a:hover::after{width:100%}
.hdr .btn{padding:13px 22px;font-size:11px}
.burger{display:none;background:none;border:0;padding:8px;color:#fff}
.burger span{display:block;width:24px;height:1.5px;background:currentColor;margin:5px 0;transition:.3s}
.hdr.open .burger span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.hdr.open .burger span:nth-child(2){opacity:0}
.hdr.open .burger span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}

/* =========================================================
   HERO
   ========================================================= */
.hero{
  position:relative;background:var(--navy);color:#fff;overflow:hidden;
  padding-top:clamp(120px,15vw,168px);padding-bottom:clamp(60px,7vw,92px);
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(to bottom,rgba(8,29,66,.35) 0%,transparent 26%,rgba(5,15,38,.6) 100%),
    linear-gradient(100deg,#081D42 0%,rgba(8,29,66,.96) 30%,rgba(8,29,66,.7) 52%,rgba(6,20,46,.42) 76%,rgba(5,15,38,.58) 100%),
    radial-gradient(760px 520px at 84% 26%,rgba(40,91,203,.26),transparent 62%),
    url("/assets/hero-skyline.jpg") center 58%/cover no-repeat,
    var(--navy);
}
.hero::after{
  content:"";position:absolute;inset:0;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(circle at 50% 40%,#000,transparent 78%);
  mask-image:radial-gradient(circle at 50% 40%,#000,transparent 78%);
}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:clamp(28px,4vw,56px);align-items:center}
.hero-grid>*,.sys-head>*,.diff-grid>*,.two-col>*,.pillar>*,.why-grid>*,.form-grid>*,.founders>*,.cards-3>*,.ben-grid>*,.steps>*,.ftr-grid>*{min-width:0}
.hero h1{
  font-family:var(--serif);font-weight:600;
  font-size:clamp(29px,3.5vw,46px);line-height:1.12;letter-spacing:-.02em;
}
.hero h1 span{display:block}
.hero-sub{margin-top:26px;font-size:clamp(14.5px,1.25vw,16.5px);line-height:1.8;color:rgba(226,235,250,.76);max-width:46ch}
.hero-sub b{display:block;color:#fff;font-weight:500;margin-bottom:14px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px}

.hero-art{position:relative;min-height:clamp(340px,44vw,520px);display:flex;align-items:flex-end;justify-content:center}
.hero-art::before{
  content:"";position:absolute;left:50%;top:46%;transform:translate(-50%,-50%);
  width:min(100%,520px);aspect-ratio:1;border-radius:50%;
  background:radial-gradient(circle,rgba(201,168,76,.2),rgba(40,91,203,.12) 45%,transparent 70%);
}
.founders-img{position:relative;display:flex;align-items:flex-end;justify-content:center;width:100%}
.founders-img{
  -webkit-mask-image:linear-gradient(to bottom,#000 90%,transparent 100%);
  mask-image:linear-gradient(to bottom,#000 90%,transparent 100%);
}
.founders-img img{
  width:58%;filter:drop-shadow(0 26px 50px rgba(0,0,0,.55));
}
/* Servio detrás; Mary Lou delante y algo más pequeña */
.founders-img img:first-child{margin-right:-15%;z-index:1}
.founders-img img:last-child{width:53%;z-index:3;filter:drop-shadow(-14px 22px 44px rgba(0,0,0,.6))}

.founders-card{
  position:relative;z-index:3;margin-top:clamp(-84px,-5.5vw,-56px);
  background:linear-gradient(135deg,rgba(12,42,92,.92),rgba(8,29,66,.92));
  border:1px solid var(--navy-line);border-radius:var(--r);
  backdrop-filter:blur(12px);padding:24px 26px;
  box-shadow:0 24px 60px -22px rgba(0,0,0,.7);
}
.founders-card p{font-size:13.5px;line-height:1.7;color:rgba(226,235,250,.72)}
.founders-card .who{display:flex;align-items:flex-start;gap:14px;margin-top:18px;padding-top:18px;border-top:1px solid rgba(201,168,76,.18)}
.founders-card .who img{width:30px;flex:none;margin-top:3px}
.founders-card .who b{display:block;font-size:14.5px;font-weight:600;color:#fff;letter-spacing:.01em}
.founders-card .who em{
  display:block;font-style:normal;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--gold);margin:5px 0 9px;
}
.founders-card .who small{display:block;font-size:12px;line-height:1.6;color:rgba(226,235,250,.62)}

/* =========================================================
   TRUST BAR
   ========================================================= */
.trust{background:var(--cream);border-bottom:1px solid rgba(8,29,66,.07);padding-block:clamp(40px,5vw,62px)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{text-align:center;padding:8px 20px;position:relative}
.trust-item+.trust-item::before{
  content:"";position:absolute;left:0;top:14%;height:72%;width:1px;background:rgba(8,29,66,.1);
}
.trust-item b{
  display:block;font-family:var(--serif);font-size:clamp(32px,3.6vw,46px);font-weight:700;
  color:var(--navy);line-height:1;
}
.trust-item .ico{
  display:grid;place-items:center;width:44px;height:44px;margin:0 auto 16px;border-radius:50%;
  border:1px solid rgba(201,168,76,.34);background:rgba(201,168,76,.08);color:var(--gold-deep);
}
.trust-item .ico svg{width:21px;height:21px}
.trust-item .txt{display:block;margin-top:12px;font-size:12.5px;line-height:1.6;color:var(--ink-3);max-width:22ch;margin-inline:auto}

/* =========================================================
   SISTEMA VALORA
   ========================================================= */
.sys-q{font-family:var(--serif);font-size:clamp(21px,2.2vw,27px);font-weight:700;color:var(--navy);line-height:1.3;margin-bottom:16px}

.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{
  background:var(--white);border:1px solid rgba(8,29,66,.06);border-radius:var(--r);
  box-shadow:0 1px 2px rgba(8,29,66,.04),0 8px 24px -18px rgba(8,29,66,.3);
  padding:34px 30px;position:relative;overflow:hidden;
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;
  display:flex;flex-direction:column;
}
.card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light));
  transform:scaleX(0);transform-origin:left;transition:transform .4s ease;
}
.card:hover{transform:translateY(-6px);box-shadow:0 30px 60px -30px rgba(8,29,66,.35);border-color:rgba(201,168,76,.35)}
.card:hover::before{transform:scaleX(1)}
.card-ico{
  width:68px;height:68px;border-radius:50%;display:grid;place-items:center;
  margin:0 auto 24px;
  background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:var(--gold-light);
}
.card-ico svg{width:31px;height:31px}
/* la cabecera de la tarjeta va centrada, como el icono */
.card .verb{
  font-family:var(--brand);font-size:10.5px;font-weight:600;letter-spacing:.22em;
  text-transform:uppercase;color:var(--gold-deep);margin-bottom:9px;text-align:center;
}
.card h3{font-family:var(--serif);font-size:26px;font-weight:700;color:var(--navy);line-height:1.16;text-align:center}
/* VALORA arriba y la palabra debajo: las tres tarjetas quedan parejas */
.card h3 span{display:block}
.card .sub{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin:8px 0 20px;font-weight:600;text-align:center}
.card .body{font-size:14.5px;line-height:1.72;color:var(--navy);font-weight:500}
.card .body-2{font-size:13.5px;line-height:1.72;color:var(--ink-3);margin-top:12px}
.card ul{margin:20px 0 0;display:grid;gap:11px}
.card li{position:relative;padding-left:22px;font-size:14px;line-height:1.66;color:var(--ink-2)}
.card li::before{
  content:"";position:absolute;left:2px;top:9px;width:6px;height:6px;transform:rotate(45deg);
  background:var(--gold);
}
.card .close{
  margin-top:auto;padding-top:22px;border-top:1px solid rgba(8,29,66,.08);
  font-family:var(--serif);font-size:17.5px;line-height:1.45;color:var(--navy);font-weight:700;
}

/* =========================================================
   DIFERENCIADOR
   ========================================================= */
.diff{position:relative;overflow:hidden;background:var(--navy-deep)}
.diff::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(95deg,#050F26 0%,rgba(5,15,38,.96) 32%,rgba(5,15,38,.68) 50%,rgba(5,15,38,.28) 70%,rgba(5,15,38,.5) 100%),
    radial-gradient(700px 480px at 78% 46%,rgba(201,168,76,.14),transparent 62%),
    url("/assets/ajedrez.jpg") right center/cover no-repeat,
    var(--navy-deep);
}
.diff .wrap{position:relative;z-index:2}
.diff-grid{display:block}
.diff-grid>div{max-width:min(620px,56%)}
.diff h2{font-family:var(--serif);font-size:clamp(29px,4vw,50px);font-weight:600;line-height:1.14;color:#fff}
.diff p{margin-top:26px;font-size:15.5px;line-height:1.85;color:rgba(226,235,250,.74);max-width:56ch}
.diff p+p{margin-top:18px}
.diff .punch{
  margin-top:30px;font-family:var(--serif);font-size:clamp(20px,2.2vw,27px);
  font-weight:700;color:var(--gold-light);line-height:1.35;
}

/* =========================================================
   PROTEGER / ACUMULAR / INTEGRAR
   ========================================================= */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px;align-items:stretch}
.pillar{
  display:flex;flex-direction:column;
  background:var(--white);border:1px solid rgba(8,29,66,.09);border-radius:var(--r);
  padding:clamp(26px,2.6vw,36px);
  transition:box-shadow .3s ease,border-color .3s ease;
}
.pillar:hover{box-shadow:0 26px 60px -34px rgba(8,29,66,.42);border-color:rgba(201,168,76,.4)}
.pillar-head{display:flex;flex-direction:column;align-items:center;text-align:center;margin-bottom:20px}
.pillar-ico{
  display:grid;place-items:center;width:76px;height:76px;border-radius:50%;
  border:1px solid rgba(201,168,76,.45);background:var(--cream);color:var(--gold-deep);
  transition:transform .3s ease,border-color .3s ease,background .3s ease;
}
.pillar-ico svg{width:34px;height:34px}
.pillar:hover .pillar-ico{transform:translateY(-3px);border-color:var(--gold);background:#fff}
.pillar-num{
  font-family:var(--serif);font-size:26px;font-weight:700;line-height:1;margin-top:12px;
  color:transparent;-webkit-text-stroke:1px rgba(201,168,76,.8);
}
.pillar h3{font-family:var(--brand);font-size:clamp(19px,2vw,25px);font-weight:600;letter-spacing:.14em;color:var(--navy)}
.pillar .tag{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin:9px 0 18px;font-weight:600}
.pillar p{font-size:13px;line-height:1.68;color:var(--ink-3)}
.pillar .tag+p{font-size:15px;line-height:1.62;color:var(--navy);font-weight:500}
.pillar p+p{margin-top:11px}
.pillar ul{display:grid;gap:9px;margin-top:auto;padding-top:20px;border-top:1px solid rgba(8,29,66,.08)}
.pillar li{position:relative;padding-left:24px;font-size:13.5px;line-height:1.6;color:var(--ink-2)}
.pillar li::before{
  content:"";position:absolute;left:0;top:7px;width:12px;height:7px;
  border-left:1.6px solid var(--gold);border-bottom:1.6px solid var(--gold);transform:rotate(-45deg);
}
.pillars-cta{display:flex;justify-content:center;margin-top:36px}

/* =========================================================
   CARRIERS
   ========================================================= */
.carriers{background:var(--cream-2);padding-block:clamp(52px,6vw,80px)}
.carriers h2{text-align:center;font-family:var(--serif);font-size:clamp(23px,2.5vw,32px);font-weight:700;color:var(--navy)}
.carrier-row{margin-top:38px}
.carrier-row .tag{
  text-align:center;font-size:10.5px;letter-spacing:.24em;text-transform:uppercase;
  color:var(--ink-3);margin-bottom:18px;
}
.carrier-list{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:clamp(26px,4.5vw,58px);
}
.carrier-list li{display:flex;align-items:center;justify-content:center}
.carrier-list img{
  height:clamp(30px,3.2vw,42px);width:auto;max-width:200px;object-fit:contain;
  opacity:.78;transition:opacity .3s ease,transform .3s ease;
}
.carrier-list li:hover img{opacity:1;transform:translateY(-2px)}
/* el lockup de Dominion viene en blanco, para fondo oscuro */
.carrier-list .c-dom img{filter:invert(1)}
/* pendiente: falta el archivo oficial de Ever Insurance */
.carrier-list .c-txt{
  font-family:var(--serif);font-size:clamp(18px,2vw,24px);font-weight:700;
  color:var(--navy);opacity:.72;transition:opacity .3s}
.carrier-list .c-txt:hover{opacity:1}

/* =========================================================
   QUÉ ES UN SEGURO DE VIDA
   ========================================================= */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:clamp(22px,3vw,40px);margin-top:44px}
/* paneles blancos sobre el azul de marca */
.panel{
  background:var(--white);border:1px solid rgba(8,29,66,.06);border-radius:var(--r);
  box-shadow:0 1px 2px rgba(0,0,0,.06),0 18px 40px -28px rgba(0,0,0,.55);
  padding:clamp(28px,3.2vw,42px);
}
.panel h3{
  font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);
  font-family:var(--sans);font-weight:700;margin-bottom:26px;
}
.panel .item{padding:17px 0;border-top:1px solid rgba(8,29,66,.09)}
.panel .item:first-of-type{border-top:0;padding-top:0}
.panel .item b{display:block;font-family:var(--serif);font-size:19.5px;font-weight:700;color:var(--navy);margin-bottom:7px}
.panel .item p{font-size:14px;line-height:1.7;color:var(--ink-2)}
.who-list{display:grid;gap:2px}
.who-list li{
  display:flex;align-items:center;gap:16px;padding:15px 4px;font-size:14.5px;
  color:var(--ink-2);border-bottom:1px solid rgba(8,29,66,.08);
}
.who-list li:last-child{border-bottom:0}
.who-list .ico{
  flex:none;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:var(--gold-light);
}
.who-list .ico svg{width:18px;height:18px}

/* =========================================================
   BENEFICIOS
   ========================================================= */
.ben-layout{display:grid;grid-template-columns:.72fr 1.28fr;gap:clamp(28px,4vw,58px);align-items:start}
.ben-head{position:sticky;top:110px}
.ben-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.ben{
  background:var(--white);border:1px solid rgba(8,29,66,.09);border-radius:var(--r);padding:26px 24px;
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;
}
.ben:hover{transform:translateY(-5px);box-shadow:0 26px 54px -32px rgba(8,29,66,.4);border-color:rgba(201,168,76,.4)}
.ben .ico{
  width:42px;height:42px;border-radius:50%;display:grid;place-items:center;margin-bottom:16px;
  background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:var(--gold-light);
}
.ben .ico svg{width:19px;height:19px}
.ben h3{font-family:var(--serif);font-size:20px;font-weight:700;color:var(--navy);margin-bottom:10px}
.ben p{font-size:13.5px;line-height:1.68;color:var(--ink-2)}

/* =========================================================
   PROCESO
   ========================================================= */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:44px}
.step{position:relative;padding:0 clamp(14px,2vw,28px)}
.step+.step::before{content:"";position:absolute;left:0;top:16px;bottom:8px;width:1px;background:rgba(201,168,76,.2)}
.step b{
  display:block;font-family:var(--serif);font-size:52px;font-weight:700;line-height:.9;
  color:transparent;-webkit-text-stroke:1px rgba(201,168,76,.8);margin-bottom:20px;
}
.step h3{font-family:var(--serif);font-size:22px;font-weight:700;color:#fff;margin-bottom:12px}
.step p{font-size:14px;line-height:1.72;color:rgba(226,235,250,.68)}

/* =========================================================
   FUNDADORES
   ========================================================= */
.founders{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:44px}
.founder{
  background:var(--white);border:1px solid rgba(8,29,66,.09);border-radius:var(--r);
  padding:34px 32px;transition:box-shadow .3s ease,border-color .3s ease;
}
.founder:hover{box-shadow:0 26px 60px -34px rgba(8,29,66,.42);border-color:rgba(201,168,76,.4)}
.founder-top{display:flex;align-items:center;gap:22px;margin-bottom:24px}
.founder-photo{
  width:112px;height:112px;border-radius:50%;flex:none;overflow:hidden;position:relative;
  background:linear-gradient(155deg,var(--navy-soft),var(--navy));
  border:1px solid rgba(201,168,76,.4);
}
.founder-photo img{position:absolute;left:50%;top:6%;transform:translateX(-50%);width:148%;max-width:none}
/* en el recorte de Servio la cabeza cae al 55,9% del ancho: se compensa */
.founder-photo img[src*="servio"]{transform:translateX(-55.9%)}
.founder h3{font-family:var(--serif);font-size:27px;font-weight:700;color:var(--navy)}
.founder .role{font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-deep);margin:8px 0 6px;font-weight:600}
.founder .exp{font-size:12.5px;color:var(--ink-3)}
.founder p{font-size:14.5px;line-height:1.78;color:var(--ink-2)}
.founder p+p{margin-top:14px}
.founder .focus{
  margin-top:18px;padding:16px 18px;background:var(--cream);border-left:2px solid var(--gold);
  font-size:14px;line-height:1.7;color:var(--ink-2);border-radius:0 var(--r) var(--r) 0;
}
.tags{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.tags span{
  font-size:10.5px;letter-spacing:.11em;text-transform:uppercase;font-weight:600;
  padding:8px 14px;border:1px solid rgba(8,29,66,.14);border-radius:999px;color:var(--ink-2);
}

/* =========================================================
   POR QUÉ VALORA
   ========================================================= */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,4vw,54px);align-items:center;margin-top:44px}
.why-list{display:grid;gap:4px}
.why-list li{padding:16px 0;border-bottom:1px solid rgba(255,255,255,.09);display:flex;gap:16px}
.why-list li:last-child{border-bottom:0}
.why-check{
  flex:none;width:22px;height:22px;border-radius:50%;margin-top:3px;
  border:1px solid rgba(201,168,76,.6);display:grid;place-items:center;color:var(--gold);font-size:11px;
}
.why-list b{display:block;font-size:15.5px;font-weight:600;color:#fff;margin-bottom:6px}
.why-list p{font-size:14px;line-height:1.7;color:rgba(226,235,250,.68)}
.why-quote{
  position:relative;margin:0;overflow:hidden;
  border:1px solid rgba(201,168,76,.28);border-radius:var(--r);text-align:center;
  background:radial-gradient(600px 400px at 50% 100%,rgba(40,91,203,.24),transparent 65%),rgba(255,255,255,.03);
}
.why-photo{position:relative;aspect-ratio:16/9;overflow:hidden}
.why-photo img{width:100%;height:100%;object-fit:cover;object-position:center 62%}
.why-photo::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(to bottom,rgba(5,15,38,.15),rgba(8,29,66,.35) 62%,rgba(8,29,66,.9) 100%);
}
.why-quote-in{padding:clamp(28px,3.4vw,44px) clamp(26px,3vw,46px) clamp(32px,3.8vw,50px)}
.why-mark{width:60px;margin:-52px auto 22px;position:relative;z-index:2;opacity:.95;
  filter:drop-shadow(0 10px 26px rgba(0,0,0,.5))}
.why-quote q{
  display:block;font-family:var(--serif);font-size:clamp(23px,2.7vw,34px);font-weight:600;
  line-height:1.32;color:#fff;quotes:'"' '"';
}
.why-quote cite{display:block;margin-top:22px;font-style:normal;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}

/* =========================================================
   FORMULARIO
   ========================================================= */
.form-sec{position:relative;overflow:hidden;background:var(--navy)}
.form-sec::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(800px 560px at 15% 20%,rgba(40,91,203,.3),transparent 62%),
             radial-gradient(640px 460px at 88% 84%,rgba(201,168,76,.14),transparent 60%);
}
.form-sec .wrap{position:relative;z-index:2}
.form-sec .h2,.form-sec .h3{color:#fff}
.form-sec .lead{color:rgba(226,235,250,.72)}
.form-grid{display:grid;grid-template-columns:.88fr 1.12fr;gap:clamp(30px,5vw,70px);align-items:start}
.form-aside .h2{font-size:clamp(28px,3.5vw,44px)}
.assur{display:grid;gap:14px;margin-top:32px}
.assur li{display:flex;align-items:center;gap:12px;font-size:13.5px;color:rgba(226,235,250,.78)}
.assur i{font-style:normal;color:var(--gold);font-size:15px}

.form-card{
  background:rgba(255,255,255,.05);border:1px solid rgba(201,168,76,.24);border-radius:var(--r);
  padding:clamp(26px,3.2vw,40px);backdrop-filter:blur(10px);
}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:8px}
.field.full{grid-column:1/-1}
.field label{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgba(230,206,140,.9);font-weight:600}
.field input,.field select{
  width:100%;padding:14px 18px;font-family:var(--sans);font-size:14.5px;color:#fff;
  background:rgba(8,29,66,.55);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);
  transition:border-color .2s,box-shadow .2s;appearance:none;
}
.field select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23C9A84C' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;background-size:12px;padding-right:42px;
}
.field select option{background:#0B2450;color:#fff}
.field select optgroup{background:#081D42;color:var(--gold);font-style:normal}
.field input::placeholder{color:rgba(226,235,250,.38)}
.field input:focus,.field select:focus{outline:0;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.16)}
.field.err input,.field.err select{border-color:#E2755F}
.form-card .btn{width:100%;justify-content:center;margin-top:24px}
.form-note{
  margin-top:20px;font-size:12px;line-height:1.7;color:rgba(226,235,250,.6);
  display:flex;gap:10px;align-items:flex-start;
}
.form-note .ico{color:var(--gold);flex:none;line-height:0;margin-top:1px}
.form-note .ico svg{width:15px;height:15px}
.form-msg{margin-top:18px;font-size:13.5px;line-height:1.65;display:none;padding:16px 18px;border-radius:var(--r)}
.form-msg.ok{display:block;background:rgba(201,168,76,.14);border:1px solid rgba(201,168,76,.45);color:var(--gold-light)}
.form-msg.bad{display:block;background:rgba(226,117,95,.12);border:1px solid rgba(226,117,95,.45);color:#F0B4A5}
.form-msg a{color:var(--gold-light);text-decoration:underline}

/* =========================================================
   FAQ
   ========================================================= */
.faq{max-width:900px;margin:40px auto 0}
.faq-item{border-bottom:1px solid rgba(8,29,66,.11)}
.faq-item:first-child{border-top:1px solid rgba(8,29,66,.11)}
.faq-q{
  width:100%;background:none;border:0;text-align:left;display:flex;gap:20px;align-items:flex-start;
  justify-content:space-between;padding:21px 4px;color:var(--navy);
  font-family:var(--serif);font-size:clamp(18px,1.9vw,23px);font-weight:700;line-height:1.35;
}
.faq-q .ic{
  flex:none;width:26px;height:26px;border:1px solid rgba(201,168,76,.6);border-radius:50%;
  display:grid;place-items:center;position:relative;margin-top:3px;transition:background .25s,transform .25s;
}
.faq-q .ic::before,.faq-q .ic::after{
  content:"";position:absolute;background:var(--gold-deep);transition:transform .25s,opacity .25s;
}
.faq-q .ic::before{width:11px;height:1.6px}
.faq-q .ic::after{width:1.6px;height:11px}
.faq-item.open .faq-q .ic{background:var(--gold);transform:rotate(90deg)}
.faq-item.open .faq-q .ic::before,.faq-item.open .faq-q .ic::after{background:#fff}
.faq-item.open .faq-q .ic::after{opacity:0}
.faq-a{overflow:hidden;max-height:0;transition:max-height .4s cubic-bezier(.4,0,.2,1)}
.faq-a p{padding:0 46px 28px 4px;font-size:15px;line-height:1.82;color:var(--ink-2)}

/* =========================================================
   CTA FINAL
   ========================================================= */
.cta{position:relative;overflow:hidden;background:var(--navy-deep);text-align:center}
.cta::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(760px 500px at 50% 0%,rgba(40,91,203,.26),transparent 66%),
    linear-gradient(to bottom,rgba(5,15,38,.95) 0%,rgba(5,15,38,.78) 40%,rgba(5,15,38,.92) 100%),
    radial-gradient(70% 60% at 50% 50%,rgba(5,15,38,.5),transparent 70%),
    url("/assets/familia.jpg") center 64%/cover no-repeat,
    var(--navy-deep);
}
.cta .wrap{position:relative;z-index:2}
.cta img{width:70px;margin:0 auto 30px;opacity:.92}
.cta h2{font-family:var(--serif);font-size:clamp(32px,4.6vw,58px);font-weight:600;line-height:1.12;color:#fff}
.cta .sub{margin-top:24px;font-family:var(--serif);font-weight:500;font-size:clamp(19px,2.1vw,26px);line-height:1.5;color:var(--gold-light)}
.cta .sub span{display:block}
.cta-btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:40px}

/* =========================================================
   FOOTER
   ========================================================= */
.ftr{background:var(--navy);color:rgba(226,235,250,.66);padding-block:clamp(52px,6vw,76px) 0;font-size:13.5px}
.ftr-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:clamp(28px,4vw,52px)}
.ftr-brand img{width:170px;margin-bottom:9px}
.lockup-tag{
  width:170px;text-align:center;font-size:9px;letter-spacing:.3em;text-transform:uppercase;
  color:rgba(255,255,255,.72);margin-bottom:24px;
}
.ftr-brand .tagline{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.ftr-brand p{line-height:1.8}
.ftr-brand a:hover{color:var(--gold-light)}
.ftr h4{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:#fff;font-weight:600;margin-bottom:20px}
.ftr li{margin-bottom:12px}
.ftr li a{transition:color .2s}
.ftr li a:hover{color:var(--gold-light)}
.ftr-btm{
  margin-top:clamp(40px,5vw,60px);padding-block:26px;border-top:1px solid rgba(255,255,255,.08);
  display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;font-size:12px;
}
.ftr-btm .disc{max-width:70ch;line-height:1.7;color:rgba(226,235,250,.42)}

/* =========================================================
   REVEAL
   ========================================================= */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  .carrier-cinta{animation:none}
  .carrier-desfile{overflow-x:auto}
}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width:1080px){
  .cards-3{grid-template-columns:1fr;gap:18px}
  .steps{grid-template-columns:1fr 1fr;gap:34px 0}
  .step+.step:nth-child(odd)::before{display:none}
  .why-grid,.form-grid,.founders,.two-col,.sys-head{grid-template-columns:1fr}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .ftr-brand{grid-column:1/-1}
}
/* el menú colapsa antes que el resto del layout */
@media (max-width:1180px){
  .hdr .wrap{flex-wrap:wrap}
  .hdr .wrap>.brand{order:1}
  .burger{order:2;display:block}
  .nav{order:3}
  .hdr .wrap>.btn{order:4}
  .nav,.hdr .wrap>.btn{display:none}
  .hdr.open{background:rgba(8,29,66,.98);backdrop-filter:blur(14px);border-bottom-color:rgba(201,168,76,.2)}
  .hdr.open .wrap{padding-bottom:24px}
  .hdr.open .nav{
    display:flex;width:100%;flex-direction:column;align-items:stretch;gap:0;
    border-top:1px solid rgba(201,168,76,.2);
  }
  .hdr.open .nav a{padding:16px 2px;border-bottom:1px solid rgba(255,255,255,.07);font-size:13px}
  .hdr.open .nav a::after{display:none}
  .hdr.open .wrap>.btn{display:inline-flex;width:100%;justify-content:center;margin-top:18px}
  .hdr.open .btn{white-space:normal;text-align:center;line-height:1.4}
}

@media (max-width:860px){
  .btn{white-space:normal;text-align:center;line-height:1.4}
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .hero-art{order:2;min-height:auto}
  .founders-img img{width:52%}
  .trust-grid{grid-template-columns:1fr 1fr;gap:30px 0}
  .trust-item+.trust-item::before{display:none}
  .trust-item:nth-child(2)::before,.trust-item:nth-child(4)::before{display:block}
}
@media (max-width:620px){
  .ben-grid,.fields{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .step+.step::before{display:none}
  .step{border-top:1px solid rgba(201,168,76,.2);padding-top:26px}
  .founder-top{flex-direction:column;align-items:flex-start;gap:16px}
  .ftr-grid{grid-template-columns:1fr}
  .btn{width:100%;justify-content:center}
  .hero-cta .btn,.cta-btns .btn{width:100%}
  .pillar-head{margin-bottom:16px}
}


/* =========================================================
   ENLACES DE TEXTO
   ========================================================= */
.link-more{
  display:inline-flex;align-items:center;gap:9px;margin-top:22px;
  font-size:12px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;
  color:var(--gold-light);transition:gap .25s ease,color .25s ease;
}
.link-more.on-light,.blueprint .link-more,.sec:not(.dark):not(.darker) .link-more{color:var(--gold-deep)}
.link-more:hover{gap:15px}
.claim{
  margin-top:18px;font-family:var(--serif);font-weight:600;
  font-size:clamp(19px,2vw,25px);line-height:1.3;color:var(--gold-deep);
}

/* =========================================================
   EL BLUEPRINT VALORA
   ========================================================= */

.bp-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(28px,4.4vw,58px);align-items:center}
.blueprint{background:var(--cream)}
.bp-oferta{font-family:var(--serif);font-size:clamp(31px,3.9vw,50px);line-height:1.1}
.bp-kicker{margin-top:18px;font-size:14px;font-weight:600;color:var(--navy)}
.bp-cta{margin-top:26px}
.bp-flow{display:flex;align-items:flex-start;justify-content:space-between;gap:clamp(6px,1.2vw,16px)}
.bp-step{flex:1;text-align:center;min-width:0}
.bp-ico{
  display:grid;place-items:center;width:clamp(64px,6.4vw,84px);aspect-ratio:1;margin:0 auto 20px;
  border-radius:50%;border:1px solid rgba(201,168,76,.45);background:var(--white);color:var(--gold-deep);
  box-shadow:0 12px 30px -18px rgba(8,29,66,.45);
  transition:transform .3s ease,border-color .3s ease,background .3s ease;
}
.bp-ico svg{width:clamp(26px,2.6vw,33px);height:auto}
.bp-step:hover .bp-ico{transform:translateY(-4px);border-color:var(--gold)}
.bp-step h3{
  font-family:var(--brand);font-size:clamp(12px,1.15vw,14.5px);font-weight:600;
  letter-spacing:.16em;text-transform:uppercase;color:var(--navy);
}
.bp-step p{margin-top:12px;font-size:13px;line-height:1.6;color:var(--ink-3)}
/* los conectores se alinean con el centro de los círculos */
.bp-arrow{
  flex:none;align-self:flex-start;color:var(--gold-deep);opacity:.75;
  font-size:clamp(17px,1.7vw,21px);font-weight:400;line-height:1;
  margin-top:calc(clamp(64px,6.4vw,84px) / 2 - .5em);
}
.bp-igual{color:var(--gold);opacity:1;font-weight:600}

/* =========================================================
   TU VIDA · TU ESTRATEGIA
   ========================================================= */
.vida{padding-block:clamp(44px,4.6vw,70px)}
.vida-grid{display:grid;grid-template-columns:.76fr 1.24fr;gap:clamp(28px,4vw,60px);align-items:center}
.vida-head .eyebrow{margin-bottom:16px;color:var(--gold-warm)}
.vida-head .h3{color:#fff;line-height:1.18}
.vida-head .lead{margin-top:16px;font-size:14px;line-height:1.7}
.vida-head .eyebrow{margin:0;flex:0 0 100%}
.vida-head .h3{color:#fff}
.vida-head .lead{font-size:14.5px}
.timeline{display:flex;justify-content:space-between;position:relative;gap:8px}
.timeline::before{
  content:"";position:absolute;left:8%;right:8%;top:calc(clamp(52px,5vw,66px) + 12px);height:1px;
  background:linear-gradient(90deg,transparent,rgba(224,169,74,.75) 10%,rgba(224,169,74,.75) 90%,transparent);
}
.timeline li{flex:1;text-align:center;position:relative;min-width:0}
.tl-ico{
  display:grid;place-items:center;width:clamp(52px,5vw,66px);aspect-ratio:1;margin:0 auto;
  color:var(--gold-warm);
}
.tl-ico svg{width:clamp(30px,3vw,40px);height:auto;stroke-width:1.35}
.tl-dot{
  display:block;width:10px;height:10px;border-radius:50%;margin:8px auto 0;
  background:var(--gold-warm);box-shadow:0 0 0 4px rgba(224,169,74,.22);position:relative;z-index:2;
}
.timeline b{
  display:block;margin-top:16px;font-size:10.5px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:rgba(226,235,250,.82);
}

/* =========================================================
   CONOCE A VALORA
   ========================================================= */
.conoce{
  margin-top:clamp(48px,6vw,78px);display:grid;grid-template-columns:1.08fr .92fr;
  gap:clamp(24px,4vw,50px);align-items:end;
  background:linear-gradient(135deg,rgba(12,42,92,.75),rgba(5,15,38,.75));
  border:1px solid var(--navy-line);border-radius:var(--r);
  padding:clamp(30px,3.6vw,48px);padding-bottom:0;overflow:hidden;
}
.conoce-txt{padding-bottom:clamp(30px,3.6vw,48px)}
.conoce-txt h3{margin-bottom:20px;color:#fff}
.conoce-txt p{font-size:14.5px;line-height:1.8;color:rgba(226,235,250,.72);max-width:52ch}
.conoce-txt p+p{margin-top:14px}
.conoce-img{display:flex;align-items:flex-end;justify-content:center;align-self:end}
.conoce-img img{width:54%;filter:drop-shadow(0 18px 40px rgba(0,0,0,.5))}
.conoce-img img:first-child{margin-right:-13%;z-index:1}
.conoce-img img:last-child{width:49%;z-index:3;filter:drop-shadow(-12px 18px 38px rgba(0,0,0,.55))}

/* =========================================================
   TESTIMONIOS
   ========================================================= */
.testis-sec{background:var(--cream-2)}
.testis{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.testi{
  margin:0;background:var(--white);border:1px solid rgba(8,29,66,.09);border-radius:var(--r);
  padding:34px 30px 30px;position:relative;
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;
}
.testi:hover{transform:translateY(-5px);box-shadow:0 26px 54px -32px rgba(8,29,66,.4);border-color:rgba(201,168,76,.4)}
.quote-mark{
  position:absolute;top:14px;right:24px;font-family:var(--serif);font-size:64px;line-height:1;
  color:rgba(201,168,76,.26);
}
.stars{display:flex;gap:4px;color:var(--gold);margin-bottom:18px}
.stars svg{width:15px;height:15px}
.testi blockquote{
  margin:0;font-family:var(--serif);font-size:18px;font-weight:500;line-height:1.55;color:var(--navy);
}
.testi figcaption{
  margin-top:22px;padding-top:18px;border-top:1px solid rgba(8,29,66,.09);
  display:flex;align-items:baseline;gap:10px;flex-wrap:wrap;
}
.testi figcaption b{font-size:13.5px;font-weight:600;color:var(--navy)}
.testi figcaption span{font-size:12px;color:var(--ink-3)}

/* =========================================================
   PIE · LEGALES Y REDES
   ========================================================= */
.ftr-legal{
  margin-top:clamp(38px,4.6vw,56px);padding-top:26px;border-top:1px solid rgba(255,255,255,.08);
  display:flex;flex-wrap:wrap;gap:18px 30px;justify-content:space-between;align-items:center;
}
.legal-links{display:flex;flex-wrap:wrap;gap:10px 26px;font-size:12.5px}
.legal-links a{transition:color .2s}
.legal-links a:hover{color:var(--gold-light)}
.social{display:flex;gap:10px}
.social a{
  display:grid;place-items:center;width:36px;height:36px;border-radius:50%;
  border:1px solid rgba(255,255,255,.14);color:rgba(226,235,250,.72);
  transition:color .25s,border-color .25s,transform .25s;
}
.social a:hover{color:var(--gold-light);border-color:rgba(201,168,76,.55);transform:translateY(-2px)}
.social svg{width:17px;height:17px}
.ftr-legal+.ftr-btm{margin-top:0}

/* =========================================================
   RESPONSIVE · BLOQUES NUEVOS
   ========================================================= */
@media (max-width:1080px){
  .bp-grid,.conoce,.ben-layout{grid-template-columns:1fr}
  .ben-head{position:static}
  .pillars{grid-template-columns:1fr}
  .conoce{padding-bottom:0}
  .conoce-img{max-width:420px;margin-inline:auto}
  .testis{grid-template-columns:1fr}
}
@media (max-width:900px){
  .vida-grid{grid-template-columns:1fr;gap:30px}
}
@media (max-width:760px){
  .bp-flow{flex-wrap:wrap;gap:30px 0}
  .bp-step{flex:0 0 50%}
  .bp-arrow{display:none}
  .timeline{flex-wrap:wrap;gap:28px 0}
  .timeline li{flex:0 0 33.333%}
  .timeline::before{display:none}
  .ftr-legal{flex-direction:column;align-items:flex-start}
}
@media (max-width:520px){
  .bp-step,.timeline li{flex:0 0 100%}
}


/* fotos de fondo en pantallas pequeñas: el texto manda */
@media (max-width:900px){
  .diff-grid>div{max-width:none}
  .diff::before{
    background:
      linear-gradient(to bottom,rgba(5,15,38,.93),rgba(5,15,38,.88)),
      url("/assets/ajedrez.jpg") center/cover no-repeat,
      var(--navy-deep);
  }
}
@media (max-width:860px){
  .hero::before{
    background:
      linear-gradient(to bottom,rgba(8,29,66,.92) 0%,rgba(8,29,66,.86) 45%,rgba(5,15,38,.8) 100%),
      url("/assets/hero-skyline.jpg") center bottom/cover no-repeat,
      var(--navy);
  }
}


/* =========================================================
   AJUSTES DE FIDELIDAD AL BOCETO
   ========================================================= */

/* ── El Sistema: columna de texto + tres tarjetas, en una banda ── */
.sys-layout{
  display:grid;grid-template-columns:.78fr 2.3fr;gap:clamp(28px,3.6vw,52px);align-items:start;
}
.sys-intro .h2 .wordmark{
  display:block;font-family:var(--brand);font-size:clamp(34px,3.6vw,50px);
  letter-spacing:.1em;color:var(--navy);
}
.sys-intro .claim{margin-top:16px;font-size:clamp(17px,1.7vw,21px)}
.sys-intro .sys-q{margin-top:26px;font-size:clamp(17px,1.5vw,20px)}
.sys-intro .lead{margin-top:12px;font-size:14.5px}
.sys-layout .cards-3{gap:18px}
.sys-layout .card{padding:28px 24px}
.sys-layout .card h3{font-size:22px}
.sys-layout .card li{font-size:13.5px}
.sys-layout .card .body{font-size:14px}
.sys-layout .card .body-2{font-size:13px}
.sys-layout .card .close{font-size:16px}

/* ── Socios: etiqueta, fila única de logos, coletilla ── */
.carrier-band{
  display:grid;grid-template-columns:auto 1fr auto;gap:clamp(24px,3.4vw,48px);align-items:center;
}
.carrier-label,.carrier-more{
  font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-3);line-height:1.7;
}
.carrier-more{text-align:right}
/* los socios desfilan en una sola fila, en bucle continuo */
.carrier-desfile{
  position:relative;overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
}
.carrier-cinta{display:flex;width:max-content;animation:desfilar 38s linear infinite}
.carrier-desfile:hover .carrier-cinta{animation-play-state:paused}
@keyframes desfilar{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.carriers .carrier-list{
  flex-wrap:nowrap;justify-content:flex-start;gap:clamp(30px,4vw,64px);
  padding-right:clamp(30px,4vw,64px);
}
.carriers .carrier-list li{flex:0 0 auto}
.carriers .carrier-list img{height:clamp(24px,2.4vw,34px);max-width:none;opacity:.72}
.carriers .carrier-list li:hover img{opacity:1}

/* ── Proceso: mitad clara con los pasos, mitad oscura con el equipo ── */
.proceso{display:grid;grid-template-columns:1fr 1fr;align-items:stretch}
.proceso-left{background:var(--cream);display:flex;align-items:center}
/* el panel deja de ser media pantalla a hueso y pasa a tarjeta */
.proceso-right{
  position:relative;overflow:hidden;display:flex;align-items:center;
  background:linear-gradient(135deg,#0C2A5C,#050F26);
  border-radius:clamp(18px,2vw,26px);
  margin:clamp(14px,1.8vw,26px);
  box-shadow:0 22px 60px -34px rgba(5,15,38,.7);
}
.proceso-inner{padding:clamp(46px,5vw,76px) clamp(24px,3.6vw,58px);width:100%;position:relative;z-index:2}
.proceso-left .proceso-inner{max-width:calc(var(--wrap)/2);margin-left:auto}
.proceso-right .proceso-inner{max-width:calc(var(--wrap)/2);margin-right:auto;max-width:min(520px,100%)}
.pr-steps{display:flex;align-items:flex-start;gap:clamp(6px,1vw,14px);margin-top:30px}
.pr-steps li{flex:1;min-width:0}
.pr-steps li.pr-arrow{
  flex:0 0 auto;color:var(--gold-deep);opacity:.5;font-size:15px;
  padding-top:clamp(22px,2.4vw,28px);
}
.pr-ico{
  display:grid;place-items:center;width:clamp(52px,5vw,64px);aspect-ratio:1;border-radius:50%;
  border:1px solid rgba(8,29,66,.16);background:var(--white);color:var(--gold-deep);
  transition:border-color .3s ease,transform .3s ease,color .3s ease;
}
.pr-ico svg{width:clamp(23px,2.3vw,28px);height:auto}
.pr-steps li:hover .pr-ico{border-color:var(--gold);transform:translateY(-3px)}
.pr-num{
  display:block;margin:12px 0 12px;font-family:var(--serif);
  font-size:clamp(15px,1.5vw,19px);font-weight:600;color:transparent;
  -webkit-text-stroke:.8px rgba(168,135,58,.9);
}
.pr-steps h3{
  font-size:10.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--navy);margin-bottom:9px;line-height:1.4;font-family:var(--sans);
}
.pr-steps p{font-size:11.5px;line-height:1.62;color:var(--ink-3)}
.proceso-right .h2{font-size:clamp(25px,2.7vw,36px);color:#fff;max-width:18ch}
.proceso-right p{margin-top:16px;font-size:14px;line-height:1.75;color:rgba(226,235,250,.72);max-width:34ch}
.proceso-img{
  position:absolute;right:-5%;bottom:0;display:flex;align-items:flex-end;
  width:min(54%,400px);opacity:.95;pointer-events:none;
}
.proceso-img img{width:58%;filter:drop-shadow(0 18px 40px rgba(0,0,0,.55))}
.proceso-img img:first-child{margin-right:-14%;z-index:1}
.proceso-img img:last-child{width:53%;z-index:3;filter:drop-shadow(-12px 18px 38px rgba(0,0,0,.55))}

/* ── 6 razones: sin tarjetas, con separadores ── */
.ben-grid{grid-template-columns:repeat(2,1fr);gap:0}
.ben{
  background:none;border:0;border-radius:0;padding:20px clamp(16px,1.8vw,26px);
  position:relative;display:grid;grid-template-columns:38px 1fr;
  column-gap:16px;row-gap:8px;align-items:start;
}
.ben .ico{grid-column:1;grid-row:1/span 2}
.ben h3,.ben p{grid-column:2}
.ben:hover{transform:none;box-shadow:none;border:0}
.ben::before{
  content:"";position:absolute;left:0;top:18%;height:64%;width:1px;background:rgba(8,29,66,.12);
}
.ben:nth-child(2n+1)::before{display:none}
.ben .ico{
  width:38px;height:38px;flex:none;margin:0;
  background:none;border:1px solid rgba(201,168,76,.4);color:var(--gold-deep);
}
.ben .ico svg{width:18px;height:18px}
.ben h3{font-size:15px;font-family:var(--sans);font-weight:700;color:var(--navy);margin-bottom:7px;line-height:1.4}
.ben p{font-size:12.5px;line-height:1.6}
.ben-layout{grid-template-columns:.62fr 1.38fr}
.ben-head .h2{font-size:clamp(23px,2.4vw,31px);line-height:1.22}

/* ── Cierre: foto a la izquierda, texto al centro, acción a la derecha ── */
.cierre{position:relative;overflow:hidden;background:var(--navy-deep)}
.cierre::before{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(100deg,rgba(5,15,38,.45) 0%,rgba(5,15,38,.86) 19%,rgba(5,15,38,.96) 36%,rgba(5,15,38,.98) 100%),
    url("/assets/familia.jpg") left 60%/cover no-repeat,
    var(--navy-deep);
}
.cierre-inner{
  position:relative;z-index:2;width:100%;max-width:var(--wrap);margin:0 auto;
  padding:clamp(52px,5.4vw,84px) var(--pad);
  display:grid;grid-template-columns:1fr auto;gap:clamp(28px,4vw,60px);align-items:center;
}
.cierre-txt{padding-left:min(28%,260px)}
.cierre-txt h2{
  font-family:var(--serif);font-weight:600;font-size:clamp(26px,3.2vw,42px);line-height:1.16;color:#fff;
}
.cierre-txt p{
  margin-top:16px;font-family:var(--serif);font-size:clamp(17px,1.8vw,23px);
  line-height:1.5;color:rgba(226,235,250,.82);max-width:46ch;
}
.cierre-act{display:flex;flex-direction:column;align-items:stretch;gap:12px;min-width:min(280px,42vw)}
.cierre-act .btn{justify-content:center}
.cierre-logo{width:150px;margin:14px auto 0;opacity:.95}

@media (max-width:1080px){
  .sys-layout{grid-template-columns:1fr}
  .sys-layout .cards-3{grid-template-columns:1fr}
  .proceso{grid-template-columns:1fr}
  .proceso-left .proceso-inner,.proceso-right .proceso-inner{max-width:var(--wrap);margin-inline:auto}
  .carrier-band{grid-template-columns:1fr;text-align:center;gap:18px}
  .carrier-more{text-align:center}
  .ben-grid{grid-template-columns:repeat(2,1fr)}
  .cierre-inner{grid-template-columns:1fr}
  .cierre-txt{padding-left:0}
  .cierre::before{
    background:
      linear-gradient(to bottom,rgba(5,15,38,.9),rgba(5,15,38,.95)),
      url("/assets/familia.jpg") center/cover no-repeat,var(--navy-deep);
  }
}
@media (max-width:760px){
  .proceso-img{display:none}
}
@media (max-width:620px){
  .ben-grid{grid-template-columns:1fr}
  .ben::before{display:none}
  .pr-steps{flex-wrap:wrap;gap:26px 0}
  .pr-steps li{flex:0 0 50%}
  .pr-steps li.pr-arrow{display:none}
}


/* ── Formulario: sin tarjeta, campos sobre el navy, fila de cuatro ── */
.form-sec .form-grid{grid-template-columns:.66fr 1.34fr;align-items:start}
.form-card{background:none;border:0;padding:0;backdrop-filter:none}
.fields{grid-template-columns:repeat(4,1fr);gap:16px;align-items:end}
.field.f-2{grid-column:span 2}
.field.full{grid-column:1/-1}
.field label{color:rgba(226,235,250,.62);font-size:10.5px;letter-spacing:.13em}
.field input,.field select{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}
.form-card .btn{width:auto;min-width:min(320px,100%);margin-top:22px}
.form-sec .h2{font-size:clamp(26px,3.1vw,40px);line-height:1.14}
.form-sec .form-aside .eyebrow{margin-bottom:10px}
.assur{gap:12px;margin-top:28px}
.assur li{align-items:center;gap:12px;font-size:12.5px}
.assur .ico{
  flex:none;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;
  border:1px solid rgba(201,168,76,.35);color:var(--gold);
}
.assur .ico svg{width:15px;height:15px}
.form-note .ico{width:auto;height:auto;border:0}

@media (max-width:1080px){
  .form-sec .form-grid{grid-template-columns:1fr}
}
@media (max-width:820px){
  .fields{grid-template-columns:repeat(2,1fr)}
  .field.f-2{grid-column:span 2}
}
@media (max-width:520px){
  .fields{grid-template-columns:1fr}
  .field.f-2{grid-column:span 1}
}


.sys-cta{margin-top:28px}

/* =========================================================
   PÁGINA DE CITAS
   ========================================================= */
.ag-body{background:var(--navy);color:#EAF0FA;min-height:100vh}
.ag-hdr{border-bottom:1px solid rgba(201,168,76,.18)}
.ag-hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:78px}
.ag-back{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:rgba(226,235,250,.7);transition:color .2s}
.ag-back:hover{color:var(--gold-light)}

.ag-main{
  position:relative;padding:clamp(34px,5vw,64px) var(--pad) clamp(60px,8vw,110px);
}
.ag-main::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(760px 520px at 20% 0%,rgba(40,91,203,.26),transparent 62%),
             radial-gradient(640px 460px at 90% 90%,rgba(201,168,76,.12),transparent 60%);
  pointer-events:none;
}
.ag-shell{position:relative;z-index:2;width:100%;max-width:720px;margin:0 auto}

.ag-progress{display:flex;align-items:center;gap:16px;margin-bottom:clamp(28px,4vw,44px)}
.ag-bar{flex:1;height:2px;background:rgba(255,255,255,.12);border-radius:2px;overflow:hidden}
.ag-bar span{
  display:block;height:100%;width:14%;border-radius:2px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light));
  transition:width .45s cubic-bezier(.4,0,.2,1);
}
.ag-step-count{font-size:11px;letter-spacing:.14em;color:rgba(226,235,250,.55);white-space:nowrap}
.ag-step-count b{color:var(--gold-light);font-weight:600}

.ag-step{display:none;animation:agIn .4s ease both}
.ag-step.is-on{display:block}
@keyframes agIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.ag-q{
  font-family:var(--serif);font-size:clamp(27px,3.6vw,42px);font-weight:600;
  line-height:1.16;color:#fff;margin-bottom:14px;
}
.ag-help{font-size:14px;line-height:1.72;color:rgba(226,235,250,.66);max-width:52ch;margin-bottom:26px}
.ag-label{
  font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);
  margin:28px 0 14px;font-weight:600;
}

.ag-opts{display:grid;gap:12px;margin-top:26px}
.ag-opt{
  display:block;width:100%;text-align:left;padding:18px 22px;border-radius:var(--r);
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.14);color:#fff;
  transition:border-color .22s ease,background .22s ease,transform .22s ease;
}
.ag-opt b{display:block;font-size:15.5px;font-weight:600;letter-spacing:.005em}
.ag-opt span{display:block;margin-top:5px;font-size:13px;color:rgba(226,235,250,.62)}
.ag-opt:hover{border-color:rgba(201,168,76,.55);background:rgba(201,168,76,.08);transform:translateX(3px)}
.ag-opt.is-sel{border-color:var(--gold);background:rgba(201,168,76,.14)}

.ag-field{display:flex;flex-direction:column;gap:8px;margin-top:22px}
.ag-field label{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgba(230,206,140,.85);font-weight:600}
.ag-field input,.ag-field select{
  width:100%;padding:15px 16px;font-family:var(--sans);font-size:15px;color:#fff;
  background:rgba(8,29,66,.6);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);
  appearance:none;transition:border-color .2s,box-shadow .2s;
}
.ag-field select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23C9A84C' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;background-size:12px;padding-right:42px;
}
.ag-field select option{background:#0B2450;color:#fff}
.ag-field select optgroup{background:#081D42;color:var(--gold);font-style:normal}
.ag-field input::placeholder{color:rgba(226,235,250,.34)}
.ag-field input:focus,.ag-field select:focus{outline:0;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.16)}
.ag-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ag-grid .ag-field{margin-top:0}
.ag-full{grid-column:1/-1}

.ag-days{display:flex;flex-wrap:wrap;gap:10px}
.ag-times{display:flex;flex-wrap:wrap;gap:10px}
.ag-chip{
  border-radius:var(--r);border:1px solid rgba(255,255,255,.16);color:#fff;
  background:rgba(255,255,255,.04);transition:border-color .2s,background .2s,transform .2s;
}
.ag-chip:hover{border-color:rgba(201,168,76,.55);transform:translateY(-2px)}
.ag-chip.is-sel{border-color:var(--gold);background:rgba(201,168,76,.16)}
.ag-day{display:flex;flex-direction:column;align-items:center;gap:2px;padding:11px 15px;min-width:60px}
.ag-day span{font-size:9.5px;letter-spacing:.12em;text-transform:uppercase;color:rgba(226,235,250,.55)}
.ag-day b{font-family:var(--serif);font-size:20px;font-weight:600;line-height:1}
.ag-day small{font-size:9.5px;letter-spacing:.1em;text-transform:uppercase;color:rgba(226,235,250,.45)}
.ag-time{padding:13px 18px;font-size:13.5px;font-weight:500}

.ag-contact{margin-top:30px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1)}
.ag-next,.ag-send{margin-top:28px;width:100%;justify-content:center}
.ag-nav{margin-top:26px}
.ag-prev{
  background:none;border:0;padding:8px 0;color:rgba(226,235,250,.6);
  font-size:12px;letter-spacing:.1em;text-transform:uppercase;transition:color .2s;
}
.ag-prev:hover{color:var(--gold-light)}

.ag-done{text-align:center;animation:agIn .5s ease both}
.ag-check{
  display:grid;place-items:center;width:66px;height:66px;border-radius:50%;margin:0 auto 26px;
  border:1px solid rgba(201,168,76,.5);background:rgba(201,168,76,.12);color:var(--gold-light);
}
.ag-check svg{width:30px;height:30px}
.ag-done-when{
  font-family:var(--serif);font-size:clamp(19px,2.2vw,25px);color:var(--gold-light);margin-top:6px;
}
.ag-reco{
  margin:34px auto 0;max-width:520px;text-align:left;padding:26px 28px;border-radius:var(--r);
  border:1px solid rgba(201,168,76,.28);background:rgba(255,255,255,.04);
}
.ag-reco h2{font-family:var(--serif);font-size:26px;font-weight:600;color:#fff;margin-bottom:10px}
.ag-reco p{font-size:14.5px;line-height:1.75;color:rgba(226,235,250,.74)}
.ag-done-note{margin:28px 0 26px;font-size:13.5px;color:rgba(226,235,250,.6)}

@media (max-width:560px){
  .ag-grid{grid-template-columns:1fr}
  .ag-day{min-width:54px;padding:10px 12px}
}

/* =========================================================
   EN QUÉ CREEMOS · propósito, visión, misión y valores
   ========================================================= */
.cre-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.cre{
  background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.26);
  border-radius:var(--r);padding:28px 26px;
  transition:border-color .3s ease,transform .3s ease,background .3s ease;
}
.cre:hover{border-color:rgba(201,168,76,.55);background:rgba(255,255,255,.09);transform:translateY(-3px)}
.cre-tag{
  font-family:var(--brand);font-size:13.5px;font-weight:700;letter-spacing:.17em;
  text-transform:uppercase;color:var(--gold);margin-bottom:16px;
}
/* el rótulo de Financial Wellness encabeza un bloque mayor */
/* el color va explícito: .fw-txt p le ganaba al dorado de .cre-tag */
.fw .cre-tag{font-size:15px;letter-spacing:.16em;margin-bottom:18px;color:var(--gold)}
.cre p:last-child{font-size:14px;line-height:1.78;color:rgba(226,235,250,.76)}

.valores{
  margin-top:clamp(46px,5vw,72px);padding-top:clamp(36px,4vw,52px);
  border-top:1px solid rgba(201,168,76,.2);
}
.valores .eyebrow{margin-bottom:28px}
.val-list{display:grid;grid-template-columns:repeat(4,1fr);gap:26px 22px}
.val-list li{min-width:0}
.val-ico{
  display:grid;place-items:center;width:44px;height:44px;border-radius:50%;margin-bottom:14px;
  border:1px solid rgba(201,168,76,.4);background:rgba(201,168,76,.12);color:var(--gold-light);
}
.val-ico svg{width:21px;height:21px}
.val-list b{
  display:block;font-family:var(--serif);font-size:19px;font-weight:600;color:#fff;margin-bottom:8px;
}
.val-list p{font-size:13px;line-height:1.68;color:rgba(226,235,250,.64)}

@media (max-width:980px){
  .cre-grid{grid-template-columns:1fr}
  .val-list{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:560px){
  .val-list{grid-template-columns:1fr;gap:22px}
}

/* =========================================================
   A QUIÉN SERVIMOS · las dos rutas patrimoniales
   ========================================================= */
.rutas-head{max-width:720px}
.rutas-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:44px}
/* tarjetas blancas sobre el azul de marca */
.ruta{
  background:var(--white);border:1px solid rgba(8,29,66,.06);
  box-shadow:0 1px 2px rgba(0,0,0,.06),0 18px 40px -28px rgba(0,0,0,.55);
  border-radius:var(--r);padding:clamp(28px,3.2vw,42px);display:flex;flex-direction:column;
  transition:border-color .3s ease,transform .3s ease,box-shadow .3s ease;
}
.ruta:hover{
  border-color:rgba(201,168,76,.4);transform:translateY(-5px);
  box-shadow:0 1px 2px rgba(0,0,0,.06),0 28px 60px -30px rgba(0,0,0,.6);
}
.ruta-ico{
  display:grid;place-items:center;width:62px;height:62px;border-radius:50%;margin-bottom:22px;
  background:linear-gradient(135deg,var(--navy),var(--navy-soft));color:var(--gold-light);
}
.ruta-ico svg{width:30px;height:30px}
.ruta h3{font-family:var(--serif);font-size:clamp(24px,2.5vw,31px);font-weight:600;color:var(--navy)}
.ruta-claim{
  margin-top:12px;font-family:var(--serif);font-size:clamp(17px,1.8vw,21px);
  line-height:1.4;color:var(--gold-deep);font-weight:600;
}
.ruta-sub{margin-top:14px;font-size:13.5px;line-height:1.7;color:var(--ink-3)}
.ruta ul{margin-top:24px;padding-top:22px;border-top:1px solid rgba(8,29,66,.1);display:grid;gap:9px}
.ruta li{position:relative;padding-left:22px;font-size:13.5px;line-height:1.6;color:var(--ink-2)}
.ruta li::before{
  content:"";position:absolute;left:1px;top:8px;width:11px;height:6px;
  border-left:1.5px solid var(--gold-deep);border-bottom:1.5px solid var(--gold-deep);transform:rotate(-45deg);
}
.ruta .link-more{color:var(--gold-deep)}
.ruta .link-more{margin-top:auto;padding-top:26px}
.rutas-q{
  margin-top:clamp(38px,4.4vw,58px);text-align:center;font-family:var(--serif);
  font-size:clamp(21px,2.6vw,33px);line-height:1.35;color:#fff;
}

/* el conector del modelo: suma, suma, resultado */

.bp-claim{
  display:block;margin-top:11px;font-size:12.5px;font-weight:700;color:var(--navy);line-height:1.5;
}
.bp-step p{margin-top:8px}

/* =========================================================
   FINANCIAL WELLNESS · la filosofía transversal
   ========================================================= */
.fw{
  display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(24px,3.4vw,48px);align-items:center;
  margin-top:40px;padding:clamp(26px,3vw,38px);border-radius:var(--r);
  border:1px solid rgba(201,168,76,.3);
  background:radial-gradient(600px 300px at 15% 0%,rgba(40,91,203,.28),transparent 65%),rgba(255,255,255,.07);
}
.fw-txt p{font-size:14.5px;line-height:1.78;color:rgba(226,235,250,.8)}
.fw-nota{margin-top:14px;font-size:13px !important;color:rgba(226,235,250,.58) !important}
/* cada fila se centra respecto a la otra, no contra el borde */
.fw-piezas{display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.fw-piezas li{
  font-family:var(--brand);font-size:11.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  padding:9px 15px;border-radius:99px;border:1px solid rgba(201,168,76,.4);color:var(--gold-light);
}

@media (max-width:980px){
  .rutas-grid{grid-template-columns:1fr}
  .fw{grid-template-columns:1fr}
}

/* =========================================================
   FONDOS DE LAS SECCIONES AZULES
   La V de marca como filigrana, y una veladura fotográfica
   donde el bloque de texto es largo. Todo por debajo del
   contenido y a opacidad muy baja: acompaña, no compite.
   ========================================================= */
.rutas,.creencias,.vida,#seguro{position:relative;overflow:hidden}
.rutas>.wrap,.creencias>.wrap,.vida>.wrap,#seguro>.wrap{position:relative;z-index:2}

.rutas::before,.creencias::before,.vida::before,#seguro::before{
  content:"";position:absolute;inset:0;pointer-events:none;z-index:0;
}
.rutas::after,.creencias::after,.vida::after,#seguro::after{
  content:"";position:absolute;pointer-events:none;z-index:1;
  background:url("/assets/mark.png") no-repeat center/contain;
}

/* ── A quién servimos: skyline al fondo, V arriba a la derecha ── */
.rutas::before{
  background:
    linear-gradient(105deg,var(--navy) 12%,rgba(8,29,66,.93) 45%,rgba(8,29,66,.88) 100%),
    url("/assets/hero-skyline.jpg") center 62%/cover no-repeat;
}
.rutas::after{
  top:-6%;right:-6%;width:min(46%,540px);aspect-ratio:1.35;opacity:.05;
}

/* ── El seguro: la V grande, saliendo por la derecha ── */
#seguro::before{
  background:radial-gradient(900px 620px at 82% 30%,rgba(40,91,203,.26),transparent 64%);
}
#seguro::after{
  top:8%;right:-10%;width:min(52%,620px);aspect-ratio:1.35;opacity:.06;
}

/* ── En qué creemos: ajedrez muy velado, V a la izquierda ── */
.creencias::before{
  background:
    linear-gradient(255deg,var(--navy) 14%,rgba(8,29,66,.94) 48%,rgba(8,29,66,.9) 100%),
    url("/assets/ajedrez.jpg") left center/cover no-repeat;
}
.creencias::after{
  bottom:-8%;left:-8%;width:min(42%,500px);aspect-ratio:1.35;opacity:.045;
}

/* ── Tu vida: solo la filigrana, que la línea manda ── */
.vida::before{
  background:radial-gradient(760px 420px at 18% 50%,rgba(40,91,203,.2),transparent 66%);
}
.vida::after{
  top:50%;right:2%;transform:translateY(-50%);width:min(24%,260px);aspect-ratio:1.35;opacity:.05;
}

@media (max-width:760px){
  .rutas::after,#seguro::after,.creencias::after,.vida::after{opacity:.035}
}

/* =========================================================
   ¿POR QUÉ VALORA? sobre fondo claro
   Iba justo detrás de «En qué creemos» y las dos azules se
   leían como un solo bloque sin respiro.
   ========================================================= */
.porque{background:var(--cream)}
.porque .eyebrow{color:var(--gold-deep)}
.porque .h2{color:var(--navy)}
.porque .lead{color:var(--ink-2)}
.porque .why-list li{border-bottom-color:rgba(8,29,66,.1)}
.porque .why-list b{color:var(--navy)}
.porque .why-list p{color:var(--ink-2)}
.porque .why-check{border-color:rgba(201,168,76,.6);color:var(--gold-deep)}
/* la cita se mantiene oscura: es la pieza de contraste de la sección */
.porque .why-quote{
  border-color:rgba(8,29,66,.08);
  background:
    radial-gradient(600px 400px at 50% 100%,rgba(40,91,203,.35),transparent 65%),
    var(--navy);
  box-shadow:0 1px 2px rgba(8,29,66,.05),0 26px 60px -34px rgba(8,29,66,.5);
}

/* =========================================================
   PÁGINAS LEGALES
   ========================================================= */
.legal-body{background:var(--cream)}
.legal-hdr{background:var(--navy);border-bottom:1px solid rgba(201,168,76,.2)}
.legal-hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:78px}

.legal{padding:clamp(44px,6vw,84px) var(--pad) clamp(60px,8vw,110px)}
.legal-wrap{max-width:74ch;margin:0 auto}
.legal h1{
  font-family:var(--serif);font-size:clamp(32px,4.4vw,52px);font-weight:600;
  line-height:1.1;letter-spacing:-.018em;color:var(--navy);
}
.legal-fecha{margin-top:16px;font-size:13px;color:var(--ink-3)}
.legal h2{
  font-family:var(--serif);font-size:clamp(21px,2.3vw,27px);font-weight:700;color:var(--navy);
  margin:clamp(34px,4vw,50px) 0 14px;
}
.legal p{font-size:15.5px;line-height:1.8;color:var(--ink-2);margin-bottom:14px}
.legal ul{margin:0 0 14px;display:grid;gap:9px}
.legal li{position:relative;padding-left:22px;font-size:15.5px;line-height:1.75;color:var(--ink-2)}
.legal li::before{
  content:"";position:absolute;left:2px;top:10px;width:6px;height:6px;
  transform:rotate(45deg);background:var(--gold);
}
.legal a{color:var(--gold-deep);text-decoration:underline;text-underline-offset:2px}
.legal b{color:var(--navy);font-weight:600}

.legal-destacado,.legal-aviso{
  margin:26px 0;padding:22px 26px;border-radius:var(--r);
  background:var(--white);border:1px solid rgba(8,29,66,.08);
  box-shadow:0 1px 2px rgba(8,29,66,.04);
}
.legal-aviso{border-left:3px solid var(--gold)}
.legal-destacado p:last-child,.legal-aviso p:last-child{margin-bottom:0}

/* lo que falta por completar tiene que saltar a la vista */
.pendiente{
  background:rgba(226,117,95,.16);color:#9C3A22;padding:2px 7px;border-radius:5px;
  font-weight:600;font-size:.94em;
}

.legal-ftr{background:var(--navy);color:rgba(226,235,250,.6);padding-block:34px;font-size:12.5px}
.legal-ftr .wrap{display:flex;flex-wrap:wrap;gap:14px 30px;justify-content:space-between;align-items:center}
.legal-ftr a{color:rgba(226,235,250,.75);transition:color .2s}
.legal-ftr a:hover{color:var(--gold-light)}
.legal-ftr .legal-links{display:flex;flex-wrap:wrap;gap:10px 26px}