.brand-avatar{display:block;width:54px;height:54px;object-fit:cover;border-radius:50%}
.site-header .brand-avatar{width:64px;height:64px}
.site-header .wordmark b{font-size:25px;letter-spacing:.25em}
.site-header .wordmark small{font-size:14px;letter-spacing:.5em}
.site-header .wordmark{gap:14px}
.insurer-list li{display:flex;align-items:center;justify-content:center;min-height:72px;flex:1 1 140px}
.insurer-list img{display:block;max-width:100%;height:64px;object-fit:contain}
.insurer-list a,.assistance-companies a{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;transition:transform .18s ease,box-shadow .18s ease}
.insurer-list a:hover,.assistance-companies a:hover{transform:translateY(-3px)}
.insurer-list a:focus-visible,.assistance-companies a:focus-visible{outline:3px solid #b58a3c;outline-offset:5px}
.product-panels .product-panel{margin-top:0}
.site-header{position:sticky;top:0;z-index:50;background:rgba(7,19,33,.97);border-bottom:1px solid #263345;backdrop-filter:blur(14px)}
html{scroll-padding-top:115px}
.hero.shell{position:relative;isolation:isolate;display:flex;align-items:center;justify-content:center;width:calc(100% - 40px);max-width:1600px;min-height:610px;margin-bottom:40px;padding:72px 32px;border-radius:18px;overflow:hidden}
.hero-copy{z-index:2;text-align:center;padding:0;width:100%;max-width:1000px}
.hero .eyebrow{justify-content:center;color:#f1d79f;text-shadow:0 1px 8px #071321}
.hero h1{font-size:clamp(54px,6.8vw,92px);line-height:1.05;text-shadow:0 2px 24px rgba(0,0,0,.25);letter-spacing:-.05em}
.hero h1 em{color:#f0d49a}
.hero-intro{margin-inline:auto;color:#fff;max-width:490px;text-shadow:0 1px 5px #071321}
.hero-actions{justify-content:center}
.hero-visual{position:absolute;inset:0;z-index:-1;border-radius:0;min-height:0}
.hero-visual>img{object-position:center 58%}
.hero-visual::after{inset:0;background:linear-gradient(180deg,rgba(3,12,26,.42),rgba(3,12,26,.53) 45%,rgba(3,12,26,.75))}
@media(max-width:760px){.brand-avatar{width:42px;height:42px}}
@media(max-width:760px){.hero.shell{width:calc(100% - 24px);margin-bottom:24px;padding:52px 22px;min-height:565px;border-radius:12px}.hero h1{font-size:clamp(47px,11.5vw,65px);letter-spacing:-.055em}.hero .eyebrow{font-size:12px;letter-spacing:.1em;gap:8px}.hero .eyebrow span{width:18px}.hero-visual{aspect-ratio:auto}.hero-visual>img{object-position:61% center}.hero-intro{font-size:16px}}
[hidden]{display:none!important}
.product-tabs{display:flex;gap:8px;border-bottom:1px solid #cbd3dd;margin:0 0 32px;padding-bottom:16px}
.product-tabs button{font:inherit;font-size:16px;border:1px solid transparent;border-radius:30px;padding:12px 28px;background:transparent;color:#34475e;cursor:pointer;transition:background .2s,color .2s}
.product-tabs button:hover{background:#e4e9f0}
.product-tabs button[aria-selected="true"]{background:var(--navy);color:#fff}
.product-tabs button:focus-visible{outline:3px solid var(--gold-dark);outline-offset:3px}
.product-panel{display:grid;grid-template-columns:1.15fr 1fr;overflow:hidden;border-radius:16px;background:#fff;border:1px solid #dfe5ed;animation:reveal-panel .3s ease-out}
.product-panel:focus-visible{outline:3px solid var(--gold-dark);outline-offset:4px}
.product-panel+.product-panel{margin-top:24px}
.product-photo{min-height:420px;overflow:hidden}
.product-photo img{width:100%;height:100%;min-height:420px;object-fit:cover;display:block;transition:transform .5s ease}
.product-photo:hover img{transform:scale(1.035)}
.product-photo-viajes{background:#071321;display:flex;align-items:center}
.product-photo-viajes img{object-fit:contain;height:auto;min-height:0;mask-image:linear-gradient(180deg,transparent,#000 12%,#000 88%,transparent)}
.product-photo-accidentes img{object-position:48% center}
.product-copy{padding:44px;align-self:center}
.product-copy .eyebrow{font-size:12px;line-height:1.6;letter-spacing:.11em;margin-bottom:19px}
.product-copy h3{font-family:Georgia,serif;font-size:clamp(36px,3.5vw,48px);letter-spacing:-.035em;margin-bottom:20px}
.product-copy>p:not(.eyebrow){font-size:17px;line-height:1.65;max-width:360px}
.product-copy ul{list-style:none;padding:0;margin:24px 0 28px;color:#536174;font-size:14px}
.product-copy li{padding-block:8px;border-top:1px solid #e2e7ee}
.button-dark{background:var(--navy);color:#fff;font-size:14px;gap:20px}
.button-dark:hover{background:#233c59;transform:translateY(-2px)}
.quote-intent{font-size:15px;color:#203247;border-left:2px solid #74551d;padding-left:12px}
@keyframes reveal-panel{from{opacity:.4;transform:translateY(8px)}to{opacity:1;transform:none}}
@media(max-width:900px){.product-copy{padding:30px}.product-copy h3{font-size:36px}.product-photo,.product-photo img{min-height:440px}}
@media(max-width:760px){.site-header .brand-avatar{width:46px;height:46px}.site-header .wordmark{gap:7px}.site-header .wordmark b{font-size:18px;letter-spacing:.16em}.site-header .wordmark small{font-size:12px;letter-spacing:.35em}.product-tabs{gap:2px;margin-bottom:24px}.product-tabs button{font-size:15px;padding:11px 21px}.product-panel{grid-template-columns:1fr}.product-photo{min-height:0;aspect-ratio:1.5}.product-photo img{min-height:0;height:100%}.product-copy{padding:28px}.product-copy h3{font-size:38px}.product-copy .button{width:100%;padding-inline:16px;gap:12px}}
@media(max-width:380px){.header-inner{gap:10px}.header-inner nav .nav-contact{padding:10px;white-space:nowrap}.nav-contact span{display:none}.site-header .brand-avatar{width:40px;height:40px}.site-header .wordmark b{font-size:17px}.product-tabs button{flex:1;padding-inline:10px}.product-copy{padding:22px}.product-copy h3{font-size:34px}.footer-top{flex-wrap:wrap}}
@media(prefers-reduced-motion:reduce){.product-panel{animation:none}.product-photo img,.product-tabs button{transition:none}.product-photo:hover img{transform:none}.button-dark:hover{transform:none}}

/* La marca abre la portada; el gancho acompaña, sin competir. */
.hero.shell{min-height:690px;padding-block:34px 48px}
.hero .hero-brand{display:flex;flex-direction:column;align-items:center;margin:0 0 29px;font-family:Arial,Helvetica,sans-serif;font-weight:400;line-height:1;letter-spacing:0;text-shadow:0 2px 28px #071321}
.hero-brand>img{width:88px;height:88px;object-fit:cover;border-radius:50%;margin-bottom:8px;box-shadow:0 0 56px rgba(223,190,120,.11)}
.hero-brand-name{font-size:clamp(42px,6.4vw,82px);letter-spacing:.23em;padding-left:.23em;color:#fff}
.hero-brand-descriptor{display:flex;align-items:center;gap:19px;font-size:clamp(17px,2.2vw,26px);letter-spacing:.52em;padding-left:.52em;color:#f0ce85;margin-top:17px}
.hero-brand-descriptor::before,.hero-brand-descriptor::after{content:"";width:56px;height:1px;background:linear-gradient(90deg,transparent,#e0ba6a)}
.hero-brand-descriptor::after{transform:rotate(180deg)}
.hero-hook{font-size:clamp(36px,4.5vw,58px);line-height:1.03;letter-spacing:-.045em;margin:0 0 22px;color:#fff;text-shadow:0 2px 20px #071321}
.hero-hook em{font-family:Georgia,serif;font-weight:400;color:#f0d49a}
.hero-intro{font-size:17px;line-height:1.6;margin-bottom:25px}
.hero-secondary{color:#fff;font-size:14px;padding:12px 4px;border-bottom:1px solid #b6ac96;transition:color .2s}
.hero-secondary span{margin-left:12px}
.hero-secondary:hover{color:#f0d49a}
.hero-visual>img{object-position:center 62%;animation:hero-arrive 1.2s ease-out both}
.hero-visual::after{background:radial-gradient(ellipse at 50% 38%,rgba(4,13,26,.08),rgba(4,13,26,.2) 60%),linear-gradient(180deg,rgba(4,13,26,.46),rgba(4,13,26,.5) 48%,rgba(4,13,26,.8))}
.product-copy>p.coverage-detail{font-size:13px;line-height:1.65;color:#596777;margin-top:12px}
.product-copy>p strong{font-weight:600;color:#183044}
.more-protection{border-top:1px solid #d8dfe8;margin-top:58px;padding-top:48px}
.more-heading{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:28px}
.more-heading .eyebrow{margin-bottom:16px}
.more-heading h2{font-size:clamp(28px,3vw,38px);margin:0}
.more-heading>p{font-size:15px;margin:0;flex-shrink:0}
.extra-products{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.extra-card{display:flex;flex-direction:column;background:#fff;border:1px solid #dfe5ed;border-radius:16px;overflow:hidden;transition:transform .25s,border-color .25s,box-shadow .25s}
.extra-card:hover,.extra-card:focus-within{transform:translateY(-5px);border-color:#c5a15d;box-shadow:0 16px 36px rgba(8,24,42,.08)}
.extra-visual{height:195px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:13px;position:relative;overflow:hidden}
.extra-visual::before{content:"";width:150px;height:150px;border:1px solid rgba(146,107,41,.14);border-radius:50%;position:absolute;right:-55px;top:-75px}
.extra-visual>svg{width:116px;height:116px;stroke:#183044;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .3s}
.extra-visual .icon-accent{stroke:#b07f29;stroke-width:3}
.extra-visual>span{font-size:10px;letter-spacing:.15em;color:#536472}
.phone-visual{background:linear-gradient(135deg,#f2eadb,#fbf8f0)}
.building-visual{background:linear-gradient(135deg,#e1e8ee,#f4f6f7)}
.travel-visual{background:linear-gradient(135deg,#dfebe7,#f3f8f5)}
.extra-card:hover .extra-visual>svg{transform:translateY(-3px) rotate(-3deg)}
.extra-copy{display:flex;flex-direction:column;flex:1;padding:27px}
.extra-copy h3{font-family:Georgia,serif;font-size:30px;letter-spacing:-.025em;margin-bottom:16px}
.extra-copy p{font-size:15px;line-height:1.7;margin-bottom:24px}
.extra-copy>a{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:auto;padding-top:16px;border-top:1px solid #e3e7ed;font-size:14px;font-weight:600}
.extra-copy>a span{color:#926b29;font-size:21px}
.travel-partners{display:flex;align-items:center;justify-content:space-between;gap:36px;background:#0c2034;color:#fff;border:1px solid #263b51;border-radius:12px;padding:30px;margin-top:24px}
.travel-partners .eyebrow{font-size:10px;margin-bottom:9px;color:var(--gold)}
.travel-partners h3{font-size:22px;margin:0}
.travel-partners>div>p:last-child{font-size:13px;line-height:1.6;color:#bac6d5;margin:10px 0 0}
.travel-partners ul{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:20px 32px;list-style:none;padding:0;margin:0}
.travel-partners li{font-size:17px;font-weight:600}
.travel-partners img{display:block;max-width:100%;width:166px;height:52px;object-fit:contain}
.travel-partners img[alt="Universal Assistance"]{width:220px}
@keyframes hero-arrive{from{transform:scale(1.04)}to{transform:scale(1)}}
@media(max-width:1050px){.extra-products{gap:16px}.extra-copy{padding:22px}.extra-copy h3{font-size:27px}.more-heading{align-items:start;flex-direction:column;gap:12px}.travel-partners{gap:25px;padding:24px}}
@media(max-width:760px){.hero.shell{min-height:600px;padding:24px 20px 38px}.hero .hero-brand{margin-bottom:26px}.hero-brand>img{width:72px;height:72px;margin-bottom:7px}.hero-brand-name{font-size:clamp(31px,8.8vw,61px);letter-spacing:.18em;padding-left:.18em}.hero-brand-descriptor{font-size:17px;margin-top:14px;gap:12px;letter-spacing:.42em;padding-left:.42em}.hero-brand-descriptor::before,.hero-brand-descriptor::after{width:32px}.hero-hook{font-size:clamp(32px,8.5vw,47px);margin-bottom:20px}.hero-intro{font-size:15px;line-height:1.6}.hero-actions{gap:12px}.hero-actions .button{font-size:14px;padding:15px 20px}.hero-secondary{font-size:13px}.hero-visual>img{object-position:61% center}.extra-products{grid-template-columns:1fr;gap:20px}.extra-visual{height:170px}.extra-copy{padding:26px}.extra-copy h3{font-size:32px}.extra-copy p{max-width:390px}.more-protection{margin-top:36px;padding-top:36px}.more-heading{margin-bottom:24px}.more-heading h2{font-size:31px}.travel-partners{flex-direction:column;align-items:flex-start;gap:24px}.travel-partners ul{justify-content:flex-start;gap:24px}.travel-partners img{width:135px;height:48px}}
@media(max-width:380px){.hero.shell{padding-inline:16px}.hero-hook{font-size:31px}.hero-intro{font-size:14px}.hero-brand>img{width:66px;height:66px}.coverage-highlight{padding:12px}.extra-copy{padding:22px}}
@media(prefers-reduced-motion:reduce){.hero-visual>img{animation:none}.extra-card,.extra-visual>svg,.hero-secondary{transition:none}.extra-card:hover,.extra-card:focus-within,.extra-card:hover .extra-visual>svg{transform:none}}

/* Marca en el cielo y siete opciones reunidas en el mismo selector. */
.hero.shell{align-items:flex-start;padding-top:24px}
.hero .hero-brand{margin-bottom:62px}
.hero-brand>img{width:72px;height:72px}
.assistance-companies{display:flex;align-items:center;justify-content:center;gap:36px;background:#0c2034;border-radius:10px;padding:18px 28px;margin-top:25px;color:#fff}
.assistance-companies>p{font-size:12px;color:#dfbe78;margin:0;letter-spacing:.04em}
.assistance-companies ul{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:24px 38px;list-style:none;padding:0;margin:0}
.assistance-companies img{display:block;width:146px;height:44px;object-fit:contain;max-width:100%}
.assistance-companies img[alt="Universal Assistance"]{width:220px}
.product-tabs{flex-wrap:wrap;gap:8px}
.product-tabs button{padding:12px 16px;font-size:14px;line-height:1.4}
.product-illustration{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:24px;min-height:440px;position:relative;overflow:hidden}
.product-illustration::before,.product-illustration::after{content:"";position:absolute;border:1px solid rgba(146,107,41,.13);border-radius:50%;width:370px;height:370px;pointer-events:none}
.product-illustration::before{left:-160px;top:-210px}
.product-illustration::after{right:-220px;bottom:-180px}
.product-illustration svg{width:190px;height:190px;stroke:#183044;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;transition:transform .35s}
.product-illustration .icon-accent{stroke:#ae7d2b;stroke-width:2.5}
.product-illustration>span{font-size:11px;letter-spacing:.18em;color:#536472}
.product-illustration:hover svg{transform:translateY(-5px) rotate(-2deg)}
.personal-visual{background:linear-gradient(135deg,#ebe5ef,#faf7f5)}
@media(max-width:760px){.hero.shell{padding-top:18px;min-height:610px}.hero .hero-brand{margin-bottom:44px}.hero-brand>img{width:64px;height:64px}.assistance-companies{flex-direction:column;gap:17px;padding:20px}.assistance-companies ul{gap:16px 24px}.product-tabs{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px}.product-tabs button{font-size:13px;padding:11px 9px;min-height:46px;border-color:#d8dfe8}.product-tabs button:last-child{grid-column:1 / -1}.product-tabs button[aria-selected="true"]{border-color:var(--navy)}.product-illustration{min-height:235px;gap:15px}.product-illustration svg{width:135px;height:135px}.product-illustration>span{font-size:10px}.product-copy .button{line-height:1.5;text-align:center}}
@media(prefers-reduced-motion:reduce){.product-illustration svg{transition:none}.product-illustration:hover svg{transform:none}}

/* Portada minimalista elegida: marca, gancho y una sola acción. */
.hero.shell{min-height:640px}
.hero-hook{font-size:clamp(32px,3.8vw,50px);margin-bottom:32px}
.hero-actions .button{min-width:205px}
.policy-review{display:inline-flex;align-items:center;gap:15px;max-width:100%;margin-top:25px;padding-bottom:8px;border-bottom:1px solid #9d7b3c;font-size:14px;line-height:1.6}
.policy-review:hover{color:#394d62}
.footer-legal h2{font-family:Arial,Helvetica,sans-serif;font-size:14px;font-weight:600;letter-spacing:.02em;color:#d8e0eb;margin:0 0 14px}
.footer-legal a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:760px){.hero.shell{min-height:550px}.hero-hook{font-size:clamp(30px,7.8vw,42px);margin-bottom:30px}.policy-review{font-size:13px;gap:10px}}

/* Portada interactiva: el movimiento explora hogar, auto y comercio. */
.hero-visual{--parallax-x:0px;--parallax-y:0px;cursor:crosshair}
.hero-visual>img.hero-scene{z-index:0;opacity:0;transform:translate3d(var(--parallax-x),var(--parallax-y),0) scale(1.055);transition:opacity .42s ease,transform .22s ease-out;animation:none;will-change:transform,opacity}
.hero-visual>img.hero-scene.is-active{opacity:1}
.hero-visual::after{z-index:1}
.hero-scene-hint{left:30px;right:auto;bottom:27px;max-width:340px;padding:9px 12px;border-radius:4px;background:rgba(5,16,30,.48);font-size:12px!important;letter-spacing:.02em}
.hero-scene-controls{position:absolute;z-index:3;right:25px;bottom:25px;display:flex;gap:7px}
.hero-scene-controls button{border:1px solid rgba(255,255,255,.58);border-radius:999px;padding:9px 13px;background:rgba(5,16,30,.56);color:#fff;font:600 12px/1 Arial,Helvetica,sans-serif;cursor:pointer;backdrop-filter:blur(8px);transition:background-color .2s,border-color .2s,color .2s}
.hero-scene-controls button:hover,.hero-scene-controls button:focus-visible{border-color:#f0d49a;outline:2px solid #f0d49a;outline-offset:2px}
.hero-scene-controls button[aria-pressed="true"]{background:#e0bd70;border-color:#e0bd70;color:#071321}
.admin-access{margin:26px 0 0!important;text-align:right}
.admin-access a{display:inline-block;padding:8px 11px;border:1px solid rgba(214,225,239,.24);border-radius:999px;color:#bac6d5;font-size:11px;letter-spacing:.04em;text-decoration:none!important}
.admin-access a:hover,.admin-access a:focus-visible{color:#f0d49a;border-color:#f0d49a;outline:2px solid #f0d49a;outline-offset:2px}
.product-photo-operativo{background:#101f2f}
.product-photo-operativo img{object-position:center 55%}
@media(max-width:760px){.hero-visual{cursor:default}.hero-scene-controls{right:12px;bottom:12px;display:grid;grid-template-columns:1fr 1fr;gap:5px;width:min(94%,300px)}.hero-scene-controls button{padding:9px 8px;font-size:11px;white-space:nowrap}.hero-scene-hint{left:13px;right:13px;bottom:77px;max-width:none;font-size:11px!important}.admin-access{text-align:left}}
@media(prefers-reduced-motion:reduce){.hero-visual>img.hero-scene,.hero-scene-controls button,.insurer-list a,.assistance-companies a{transition:none}.hero-visual>img.hero-scene{transform:none;will-change:auto}.insurer-list a:hover,.assistance-companies a:hover{transform:none}}
@media(max-width:600px){.contact-intro{padding-top:0}.contact-card{padding:25px 20px}.quote-fields{grid-template-columns:1fr;gap:13px}.quote-fields .quote-field-full{grid-column:auto}}

/* UX: una promesa concreta sin recargar la portada y un estado de consulta honesto. */
.section-intro .services-promise{max-width:600px;margin:15px 0 0;color:#42536b;font-size:17px;line-height:1.55}
.tabs-hint{display:none}
.quote-unavailable{padding:24px;border:1px solid #dfd3bb;border-radius:12px;background:#faf7ef;color:#15263a}
.quote-unavailable:not([hidden]){margin-bottom:20px}
.quote-unavailable strong{display:block;font-size:18px;line-height:1.4}
.quote-unavailable p{margin:10px 0 18px;color:#415067;font-size:15px;line-height:1.6}
.quote-unavailable a{display:inline-flex;align-items:center;gap:10px;font-weight:700;border-bottom:1px solid #9d7b3c;padding-bottom:4px}
.quote-unavailable a:hover,.quote-unavailable a:focus-visible{color:#74551d}
.product-copy .quote-pending{display:inline-flex;align-items:center;min-height:50px;margin:2px 0 0;padding:12px 16px;border:1px solid #d8e0e8;border-radius:7px;color:#40536a;font-size:13px;line-height:1.35}
@media(max-width:760px){
  .section-intro{margin-bottom:22px}
  .section-intro .services-promise{font-size:15px}
  .product-tabs{display:flex;flex-wrap:nowrap;overflow-x:auto;overscroll-behavior-inline:contain;scroll-snap-type:x proximity;scrollbar-width:thin;gap:8px;margin-bottom:0;padding-bottom:14px}
  .product-tabs button,.product-tabs button:last-child{flex:0 0 auto;grid-column:auto;scroll-snap-align:start;min-height:46px;padding:10px 15px;white-space:nowrap}
  .tabs-hint{display:block;margin:7px 0 19px!important;color:#536174!important;font-size:12px!important;text-align:right}
}
@media(max-width:380px){.header-inner nav .nav-contact span[data-content="nav.contacto"]{display:inline;margin:0}.header-inner nav .nav-contact span[aria-hidden="true"]{display:none}}