/* Pólizas Digitales – estilos generales y adaptación a celular */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#F4F6FB;overflow-x:hidden}
img{max-width:100%}
[id]{scroll-margin-top:16px}
a{color:#0B1B3F}a:hover{color:#1E4FD8}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.navlinks a{color:#C9D3EA;text-decoration:none;font-size:15px;font-weight:500}
.navlinks a:hover{color:#FFFFFF}
.card{transition:transform .2s ease, box-shadow .2s ease}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(11,27,63,.12)}
input,select,textarea,button{font:inherit;max-width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid #5BC0F8;outline-offset:1px}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;font-family:Sora,sans-serif;font-weight:700;font-size:18px;padding:22px 0}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:26px;font-weight:400;color:#1E4FD8;flex:none}
.faq[open] summary::after{content:"–"}
.wa:hover{transform:scale(1.06)}
.subir{position:fixed;right:24px;bottom:94px;z-index:50;width:48px;height:48px;border:1px solid rgba(255,255,255,.18);border-radius:50%;background:#0B1B3F;color:#5BC0F8;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 10px 30px rgba(11,27,63,.3);opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity .25s,transform .25s,visibility .25s}
.subir.visible{opacity:1;visibility:visible;transform:none}
.subir:hover{background:#13285A}
.subir:focus-visible{outline:3px solid #5BC0F8;outline-offset:3px}

/* Fotos de fondo: poner la imagen en img/fondo.jpg (si no está, queda el azul) */
.foto-fija{background-color:#0B1B3F;background-image:linear-gradient(180deg,rgba(11,27,63,.80) 0%,rgba(11,27,63,.88) 100%),url("../img/fondo.jpg");background-size:cover;background-position:center;background-attachment:fixed}
.foto-fija-2{background-color:#0B1B3F;background-image:linear-gradient(90deg,rgba(11,27,63,.93) 0%,rgba(11,27,63,.80) 100%),url("../img/fondo.jpg");background-size:cover;background-position:center 30%;background-attachment:fixed}
@media (hover:none),(max-width:820px){.foto-fija,.foto-fija-2{background-attachment:scroll}}

/* Formularios */
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-msg{grid-column:1/-1;margin:0;padding:12px 14px;border-radius:10px;font-size:14px;font-weight:600}
.form-msg.ok{background:#E3F7EA;color:#11643A}
.form-msg.error{background:#FDE8E8;color:#9B1C1C}
button[type=submit][disabled]{opacity:.6;cursor:wait}

/* Notas (páginas de Novedades) */
.nota-page{font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:#0B1B3F;background:#F4F6FB}
.nota-cabecera{position:relative;display:flex;flex-direction:column;gap:14px;padding-top:24px;padding-bottom:64px;max-width:900px}
.nota-volver{color:#BFE3FF;text-decoration:none;font-weight:600;font-size:14px}
.nota-volver:hover{color:#fff}
.nota-tema{align-self:flex-start;padding:6px 12px;border-radius:999px;background:rgba(91,192,248,.15);color:#5BC0F8;font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase}
.nota-h1{margin:0;font-family:Sora,sans-serif;font-weight:800;font-size:44px;line-height:1.12;letter-spacing:-1px}
.nota-main{padding-top:56px;padding-bottom:88px;display:flex;flex-direction:column;gap:40px}
.nota{max-width:760px;font-size:17px;line-height:1.75;color:#2A3A5E}
.nota h2{font-family:Sora,sans-serif;font-size:26px;line-height:1.25;color:#0B1B3F;margin:40px 0 12px}
.nota h2:first-child{margin-top:0}
.nota h3{font-family:Sora,sans-serif;font-size:20px;color:#0B1B3F;margin:32px 0 8px}
.nota p{margin:0 0 16px}
.nota ul{margin:0 0 16px;padding-left:22px}
.nota li{margin-bottom:6px}
.nota a{color:#1E4FD8;font-weight:600}
.nota ol{margin:0 0 16px;padding-left:22px}
.nota-tabla{width:100%;max-width:520px;border-collapse:collapse;margin:4px 0 20px;font-size:16px;background:#fff;border:1px solid #E3E8F3;border-radius:12px;overflow:hidden}
.nota-tabla td{padding:10px 14px;border-bottom:1px solid #E3E8F3}
.nota-tabla td:last-child{text-align:right;font-weight:600;color:#0B1B3F;white-space:nowrap}
.nota-tabla .total td{background:#F4F6FB;font-weight:700;color:#0B1B3F;border-bottom:0}
.nota-video{margin:8px 0 28px}
.nota-video iframe{display:block;width:100%;aspect-ratio:16/9;border:0;border-radius:16px;background:#0B1B3F}
.nota-video figcaption{font-size:13px;color:#55627F;margin-top:8px}
.nota-btn{display:inline-block;padding:14px 22px;border-radius:999px;background:#1E4FD8;color:#fff!important;text-decoration:none;font-weight:700;font-size:15px}
.nota-btn:hover{background:#0B1B3F}
.nota-cta{max-width:760px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between;background:#0B1B3F;color:#C9D3EA;border-radius:20px;padding:26px 28px}
.nota-cta div{display:flex;flex-direction:column;gap:4px}
.nota-cta strong{color:#fff;font-family:Sora,sans-serif;font-size:18px}
.nota-cta .nota-btn{background:#5BC0F8;color:#0B1B3F!important}
.nota-relacionadas{max-width:760px}
.nota-relacionadas h2{font-family:Sora,sans-serif;font-size:20px;margin:0 0 12px}
.nota-relacionadas ul{margin:0;padding-left:20px;line-height:1.9}
.nota-relacionadas a{color:#1E4FD8;font-weight:600}
.nota-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}
.nota-card{background:#fff;border:1px solid #E3E8F3;border-radius:20px;padding:26px;display:flex;flex-direction:column;gap:10px;border-top:8px solid #1E4FD8}
.nota-card-tema{font-size:12px;font-weight:700;color:#1E4FD8;letter-spacing:1px;text-transform:uppercase}
.nota-card h2{margin:0;font-family:Sora,sans-serif;font-size:20px;line-height:1.3}
.nota-card h2 a{color:#0B1B3F;text-decoration:none}
.nota-card h2 a::after{content:"";position:absolute;inset:0}
.nota-card{position:relative}
.nota-card p{margin:0;color:#55627F;font-size:15px;line-height:1.6}
.nota-card-link{margin-top:auto;padding-top:8px;color:#1E4FD8;font-weight:700;text-decoration:none}

/* Menú celular */
.menu-btn{display:none;width:46px;height:46px;border-radius:12px;border:1px solid rgba(255,255,255,.35);background:transparent;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;padding:0}
.menu-btn span{display:block;width:20px;height:2px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
.menu-btn[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded=true] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.menu-movil{width:100%;flex-direction:column;background:#13285A;border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:8px;margin-top:4px}
.menu-movil:not([hidden]){display:flex}
.menu-movil a{color:#fff;text-decoration:none;font-weight:600;font-size:16px;padding:14px 16px;border-radius:12px}
.menu-movil a:hover,.menu-movil a:focus{background:rgba(255,255,255,.08);color:#fff}
.menu-movil .menu-portal{background:#5BC0F8;color:#0B1B3F;text-align:center;margin-top:6px}
.menu-movil .menu-portal:hover{background:#8FD3FF;color:#0B1B3F}

/* Tablet */
@media (min-width:1321px){
  .nav{flex-wrap:nowrap!important;gap:20px!important}
  .nav > a:first-child span{white-space:nowrap}
  .navlinks{gap:20px!important}
  .navlinks a{font-size:14px;white-space:nowrap}
  .nav-ctas{flex-wrap:nowrap!important}
  .nav-ctas a{white-space:nowrap}
  .menu-movil{display:none!important}
}
@media (max-width:1320px){
  .navlinks{display:none!important}
  .menu-btn{display:flex}
}

/* Celular */
@media (max-width:820px){
  .h1{font-size:40px!important;letter-spacing:-1px!important}
  .h2{font-size:30px!important}
  .grid-prod{grid-template-columns:minmax(0,1fr)!important}
  .sec{padding-top:64px!important;padding-bottom:64px!important}
  .hero-sec{padding-top:32px!important;padding-bottom:64px!important;gap:40px!important}
  .contacto-box{padding:32px 24px!important;gap:32px!important}
}
@media (max-width:600px){
  .wrap{padding:0 16px}
  .nav{padding-top:14px!important;padding-bottom:14px!important;gap:12px!important}
  .logo-nav{width:48px!important;height:48px!important}
  .btn-cotizar{display:none}
  .btn-portal{padding:12px 14px!important}
  .btn-portal span{display:none}
  .h1{font-size:34px!important}
  .h2{font-size:27px!important}
  .grid-portal{grid-template-columns:minmax(0,1fr)!important}
  .form-grid{grid-template-columns:minmax(0,1fr)!important;padding:20px!important}
  .form-grid input,.form-grid select,.form-grid textarea{font-size:16px!important} /* evita el zoom automático en iPhone */
  .contacto-box{border-radius:20px!important;padding:28px 18px!important}
  .nota-h1{font-size:30px}
  .nota-cabecera{padding-bottom:44px}
  .nota-main{padding-top:36px;padding-bottom:64px}
  .nota{font-size:16px}
  .nota h2{font-size:22px}
  .nota-grid{grid-template-columns:minmax(0,1fr)}
  .nota-cta{padding:22px 20px}
  .faq summary{font-size:16px;padding:18px 0}
  .wa{right:16px!important;bottom:16px!important;padding:14px!important}
  .wa-txt{display:none}
  .subir{right:19px;bottom:82px}
  .footer{padding-bottom:72px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card,.wa,.subir{transition:none}}

/* Franja de compañías: logos en gris, en color al pasar el mouse */
.logos-cias{display:flex;flex-wrap:wrap;gap:26px 44px;justify-content:center;align-items:center;max-width:1080px}
.logos-cias img{height:var(--h,38px);width:auto;max-width:170px;object-fit:contain;filter:grayscale(1);opacity:.65;transition:filter .2s,opacity .2s}
.logos-cias img:hover{filter:none;opacity:1}
.logo-txt{font-family:Sora,sans-serif;font-weight:700;font-size:17px;letter-spacing:.3px;color:#3A4767;opacity:.65;white-space:nowrap}
@media (max-width:600px){.logos-cias{gap:20px 28px}.logos-cias img{height:calc(var(--h,38px) * .8);max-width:130px}.logo-txt{font-size:15px}}
@media (hover:none){.logos-cias img,.logo-txt{filter:none;opacity:1}}