:root{
  --red:#c8102e;
  --red-dark:#8c0a20;
  --navy:#0f1e3d;
  --navy-2:#162a55;
  --gray-50:#f6f7fb;
  --gray-100:#eef0f6;
  --gray-300:#cfd4e0;
  --gray-600:#5b6478;
  --gray-900:#1a1f2c;
  --white:#fff;
  --shadow:0 10px 30px rgba(15,30,61,.10);
  --radius:14px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:'Roboto',system-ui,sans-serif;
  color:var(--gray-900);
  background:var(--white);
  line-height:1.55;
}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif;color:var(--navy);margin:0 0 .5em;line-height:1.2}
h1{font-size:clamp(2rem,4vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700}
h4{font-size:1.05rem;font-weight:600}
p{margin:0 0 1em;color:var(--gray-600)}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.container{width:min(1200px,92%);margin:0 auto}

/* Buttons */
.btn{
  display:inline-block;padding:.75em 1.4em;border-radius:999px;
  font-weight:700;font-family:'Montserrat',sans-serif;font-size:.9rem;
  letter-spacing:.3px;text-transform:uppercase;cursor:pointer;border:0;
  transition:transform .15s ease, box-shadow .15s ease, background .2s;
  text-decoration:none;
}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 6px 18px rgba(200,16,46,.35)}
.btn-primary:hover{background:var(--red-dark);transform:translateY(-1px);text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border:2px solid #fff}
.btn-ghost:hover{background:#fff;color:var(--navy);text-decoration:none}
.btn-lg{padding:1em 1.8em;font-size:.95rem}

/* Topbar */
.topbar{background:var(--navy);color:#cdd5e6;font-size:.85rem}
.topbar-inner{display:flex;gap:1.5rem;align-items:center;justify-content:flex-end;padding:.5rem 0}
.topbar-link{color:#fff;margin-left:auto}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--gray-100);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;gap:2rem;padding:1rem 0}
.logo{display:flex;align-items:center;gap:.6rem;font-family:'Montserrat',sans-serif;font-weight:800;color:var(--navy);font-size:1.3rem;text-decoration:none}
.logo-mark{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(135deg,var(--red),var(--red-dark));
  color:#fff;display:grid;place-items:center;font-size:1.2rem;
  box-shadow:0 4px 12px rgba(200,16,46,.35);
}
.logo-light{color:#fff}
.main-nav{display:flex;gap:1.6rem;margin-left:auto}
.main-nav a{color:var(--navy);font-weight:600;font-size:.95rem}
.main-nav a:hover{color:var(--red);text-decoration:none}

/* Hero */
.hero{
  background:
    radial-gradient(1200px 600px at 80% -10%, rgba(200,16,46,.18), transparent 60%),
    linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);
  color:#fff;padding:5rem 0 6rem;position:relative;overflow:hidden;
}
.hero h1{color:#fff}
.hero p{color:#d6dcee;font-size:1.1rem;max-width:560px}
.hero-inner{display:grid;grid-template-columns:1.2fr 1fr;gap:3rem;align-items:center}
.eyebrow{display:inline-block;color:#ff9aa8;font-weight:700;letter-spacing:2px;text-transform:uppercase;font-size:.8rem;margin-bottom:.8rem}
.hero-cta{display:flex;gap:1rem;flex-wrap:wrap;margin:1.5rem 0 2.5rem}
.hero-stats{display:flex;gap:2.5rem;flex-wrap:wrap}
.hero-stats div{display:flex;flex-direction:column}
.hero-stats strong{font-family:'Montserrat',sans-serif;font-size:1.8rem;color:#fff}
.hero-stats span{color:#a9b3cc;font-size:.85rem}

/* Hero card graphic */
.card-graphic{display:grid;place-items:center}
.fake-card{
  width:340px;height:210px;border-radius:18px;padding:1.4rem;
  background:linear-gradient(135deg,var(--red) 0%,var(--red-dark) 100%);
  color:#fff;box-shadow:0 25px 60px rgba(0,0,0,.45);
  display:flex;flex-direction:column;justify-content:space-between;
  transform:rotate(-4deg);position:relative;
}
.fake-card::before{
  content:"";position:absolute;inset:0;border-radius:inherit;
  background:radial-gradient(300px 200px at 110% -20%, rgba(255,255,255,.2), transparent 60%);
}
.chip{width:46px;height:34px;border-radius:6px;background:linear-gradient(135deg,#f4d27a,#caa44a)}
.card-number{font-family:'Roboto',monospace;font-size:1.25rem;letter-spacing:2px}
.card-foot{display:flex;justify-content:space-between;font-size:.75rem;text-transform:uppercase;letter-spacing:1px}
.card-brand{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1rem}

/* Pillars */
.pillars{background:var(--gray-50);padding:3rem 0}
.pillars-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.pillar{background:#fff;border-radius:var(--radius);padding:1.8rem 1.4rem;box-shadow:var(--shadow);text-align:center;transition:transform .2s}
.pillar:hover{transform:translateY(-4px)}
.pillar-icon{font-size:2rem;margin-bottom:.5rem}

/* Section head */
.section-head{margin-bottom:2.5rem;max-width:720px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}

/* Beneficios */
.beneficios{padding:5rem 0}
.beneficios-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.benefit{
  background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius);
  padding:1.5rem;display:flex;gap:1rem;align-items:flex-start;
  transition:border-color .2s, box-shadow .2s;
}
.benefit:hover{border-color:var(--red);box-shadow:var(--shadow)}
.benefit span{font-size:1.8rem;line-height:1}
.benefit h4{margin:0 0 .25rem}
.benefit p{margin:0;font-size:.9rem}

/* Cobertura */
.cobertura{background:var(--navy);color:#fff;padding:5rem 0}
.cobertura h2{color:#fff}
.cobertura p{color:#cfd6e8}
.cobertura-inner{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.checks{list-style:none;padding:0;margin:0 0 2rem;color:#fff}
.checks li{padding:.4rem 0;font-weight:500}
.map-placeholder{
  aspect-ratio:4/3;border-radius:var(--radius);
  background:
    repeating-linear-gradient(45deg, rgba(255,255,255,.04) 0 10px, transparent 10px 20px),
    linear-gradient(135deg, var(--navy-2), #1f3a72);
  display:grid;place-items:center;font-size:1.4rem;color:#a9b3cc;
  border:1px dashed rgba(255,255,255,.2);
}

/* Clientes & afiliaciones */
.clientes,.afiliaciones{padding:4rem 0}
.afiliaciones{background:var(--gray-50)}
.logos-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:1rem}
.logo-box{
  background:#fff;border:1px solid var(--gray-100);border-radius:10px;
  aspect-ratio:3/2;display:grid;place-items:center;
  font-family:'Montserrat',sans-serif;font-weight:700;color:var(--gray-600);
  letter-spacing:1px;font-size:.85rem;
}
.afiliaciones .logos-grid{grid-template-columns:repeat(4,1fr)}

/* Contacto */
.contacto{padding:5rem 0;background:linear-gradient(180deg,#fff,var(--gray-50))}
.contacto-inner{display:grid;grid-template-columns:1fr 1.3fr;gap:3rem;align-items:start}
.contact-info{list-style:none;padding:0;margin:1.5rem 0 0;color:var(--gray-600)}
.contact-info li{padding:.4rem 0}
.contacto-form{background:#fff;border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow);border:1px solid var(--gray-100)}
.contacto-form .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1rem}
.contacto-form label{display:flex;flex-direction:column;font-size:.85rem;font-weight:600;color:var(--navy);gap:.35rem}
.contacto-form input{
  border:1px solid var(--gray-300);border-radius:8px;padding:.7rem .9rem;font:inherit;
  transition:border-color .15s, box-shadow .15s;
}
.contacto-form input:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.15)}

/* Footer */
.site-footer{background:var(--gray-900);color:#cfd4e0;padding:4rem 0 1.5rem;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.site-footer h5{color:#fff;font-family:'Montserrat',sans-serif;font-size:.95rem;margin-bottom:1rem;text-transform:uppercase;letter-spacing:1px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer ul li{padding:.3rem 0}
.site-footer ul li a{color:#cfd4e0}
.site-footer ul li a:hover{color:#fff}
.footer-text{color:#9aa3b7;margin-top:1rem}
.socials{display:flex;gap:.5rem}
.socials a{
  width:36px;height:36px;border-radius:50%;
  background:#252b3b;color:#fff;display:grid;place-items:center;
  font-weight:700;font-size:.85rem;
}
.socials a:hover{background:var(--red);text-decoration:none}
.footer-bottom{border-top:1px solid #252b3b;margin-top:2.5rem;padding-top:1.5rem;color:#7c8499;font-size:.85rem}

/* Chatbot */
.chatbot{position:fixed;bottom:24px;right:24px;z-index:100;font-family:'Roboto',sans-serif}
.chatbot-toggle{
  width:60px;height:60px;border-radius:50%;border:0;cursor:pointer;
  background:var(--red);color:#fff;font-size:1.6rem;
  box-shadow:0 12px 30px rgba(200,16,46,.45);
  transition:transform .2s;
}
.chatbot-toggle:hover{transform:scale(1.05);background:var(--red-dark)}
.chatbot-panel{
  position:absolute;bottom:78px;right:0;width:340px;height:460px;
  background:#fff;border-radius:16px;box-shadow:0 25px 60px rgba(0,0,0,.25);
  display:flex;flex-direction:column;overflow:hidden;border:1px solid var(--gray-100);
}
.chatbot-header{
  background:linear-gradient(135deg,var(--red),var(--red-dark));color:#fff;
  padding:1rem;display:flex;justify-content:space-between;align-items:center;
}
.chatbot-close{background:transparent;border:0;color:#fff;font-size:1.1rem;cursor:pointer}
.chatbot-body{flex:1;padding:1rem;overflow-y:auto;background:var(--gray-50);display:flex;flex-direction:column;gap:.5rem}
.msg{max-width:80%;padding:.6rem .9rem;border-radius:14px;font-size:.9rem;line-height:1.4}
.msg-bot{background:#fff;border:1px solid var(--gray-100);align-self:flex-start;border-bottom-left-radius:4px}
.msg-user{background:var(--red);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.chatbot-input{display:flex;border-top:1px solid var(--gray-100);background:#fff}
.chatbot-input input{flex:1;border:0;padding:.9rem 1rem;font:inherit;outline:none}
.chatbot-input button{
  border:0;background:var(--red);color:#fff;padding:0 1.2rem;cursor:pointer;font-size:1.1rem;
}
.chatbot-input button:hover{background:var(--red-dark)}

/* Responsive */
@media (max-width: 960px){
  .header-inner{flex-wrap:wrap}
  .main-nav{order:3;width:100%;justify-content:space-between;gap:.5rem;flex-wrap:wrap}
  .hero-inner,.cobertura-inner,.contacto-inner{grid-template-columns:1fr}
  .pillars-grid,.beneficios-grid{grid-template-columns:repeat(2,1fr)}
  .logos-grid{grid-template-columns:repeat(3,1fr)!important}
  .footer-grid{grid-template-columns:1fr 1fr}
  .fake-card{margin:2rem auto 0}
}
@media (max-width: 560px){
  .pillars-grid,.beneficios-grid,.contacto-form .row,.footer-grid{grid-template-columns:1fr}
  .logos-grid{grid-template-columns:repeat(2,1fr)!important}
  .topbar-inner{flex-wrap:wrap;justify-content:center;gap:.6rem}
  .chatbot-panel{width:calc(100vw - 32px)}
}