/* 3A CARGO · sitio web
   Colores tomados del logo: azul #002E75, rojo #E8102F */
:root{
  --navy:#002E75; --navy-900:#001b47; --navy-700:#0b3d8c; --red:#E8102F; --red-700:#c20a25;
  --ink:#14213d; --muted:#5b6478; --line:#e3e7f0; --soft:#f4f6fb; --white:#ffffff; --green:#25D366;
  --radius:14px; --shadow:0 10px 30px rgba(0,27,71,.10);
  --font:"Montserrat", "Segoe UI", Arial, sans-serif;              /* títulos, menús y botones */
  --font-body:"Source Sans 3", "Segoe UI", Arial, sans-serif;      /* texto corrido, formularios y tablas */
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.6}
h1,h2,h3,h4,.btn,.eyebrow,.nav-links,.dd-menu b,.drawer-title,.drawer a b,[role="tab"],.diff-num,.top-strip,.team-num,.who-team span,.sos-float{font-family:var(--font)}
img{max-width:100%;display:block}
a{color:var(--navy)}
.container{max-width:1160px;margin:0 auto;padding-inline:20px}
h1,h2,h3{line-height:1.15;margin:0;text-wrap:balance;color:var(--navy)}
h1{font-size:clamp(34px,5vw,56px);font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(28px,3.4vw,40px);font-weight:800}
h3{font-size:20px;font-weight:700}
p{margin:0}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red)}
.lead{font-size:clamp(17px,1.6vw,20px);color:var(--muted);max-width:60ch}
section{padding-block:clamp(56px,8vw,96px)}
.section-head{display:grid;gap:12px;margin-bottom:40px;max-width:760px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:10px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s;font-family:var(--font)}
.btn:hover{transform:translateY(-1px)}
.btn:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,.chip:focus-within{outline:3px solid #ffb3bf;outline-offset:2px}
/* Un color, un significado: azul = cotizar (acción principal) · rojo = siniestros · verde = solo WhatsApp */
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-900)}
.biz-band .btn-primary,.team-band .btn-primary,.deduc-cta .btn-primary,.hero-card .btn-primary,.who .btn-primary{background:#fff;color:var(--navy)}
.biz-band .btn-primary:hover,.team-band .btn-primary:hover,.deduc-cta .btn-primary:hover,.hero-card .btn-primary:hover,.who .btn-primary:hover{background:#e6ecf7}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-wa{background:var(--green);color:#fff}
.wa-ico{width:22px;height:22px;flex:none}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);transition:transform .25s ease}
.site-header.hdr-oculto{transform:translateY(-100%)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
/* El logo nunca se encoge ni se deforma: si falta espacio, las opciones pasan al menú ☰ */
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex:none}
.brand img{height:64px;width:auto;max-width:none;flex:none}
.nav-links{display:flex;gap:26px;align-items:center;margin-left:auto}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
.nav-links a:hover{color:var(--red)}
.nav-end{display:flex;align-items:center;gap:8px}
.menu-btn{display:grid;place-items:center;width:44px;height:44px;background:none;border:0;border-radius:10px;font-size:26px;color:var(--navy);cursor:pointer}
.menu-btn:hover,.menu-btn[aria-expanded="true"]{background:var(--soft)}
/* Prioridad: p1 visible desde 720px, p2 desde 960px; en el ☰ se ocultan las que ya se ven arriba */
.p1,.p2{display:none!important}
@media (min-width:720px){.p1{display:block!important}.t1{display:none!important}}
@media (min-width:960px){.p2{display:block!important}.t2{display:none!important}}
.btn-claim{gap:6px;color:#fff!important;background:var(--red-700)}
.btn-claim svg{width:16px;height:16px;flex:none}
.btn-claim:hover{background:#a50e26}
.btn-claim[aria-current="page"]{box-shadow:inset 0 0 0 2px rgba(0,0,0,.18)}
@media (max-width:480px){
  .site-header .nav{gap:8px;padding-inline:12px}
  .nav-end{gap:6px}
  .nav-end .btn-sm{padding:9px 10px;font-size:13px}
  .menu-btn{width:38px}
  .site-header .brand img{height:48px}
}
/* En celulares muy angostos Siniestros queda solo con su ícono (el botón flotante sí lleva el texto) */
@media (max-width:359px){
  .btn-claim .claim-txt{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .nav-end .btn-claim{padding:9px}
}
.drawer{position:absolute;top:100%;right:max(12px,calc((100vw - 1160px)/2));width:min(340px,calc(100vw - 24px));max-height:calc(100vh - var(--hdr,76px) - 16px);overflow-y:auto;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:10px;z-index:70}
.drawer-group{padding:8px 4px}
.drawer-group+.drawer-group{border-top:1px solid var(--line)}
.drawer-title{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--red);padding:4px 10px 6px}
.drawer a{display:grid;gap:1px;padding:9px 10px;border-radius:10px;text-decoration:none;color:var(--ink)}
.drawer a b{font-size:15px;color:var(--navy)}
.drawer a span{font-size:13px;color:var(--muted)}
.drawer a:hover,.drawer a[aria-current="page"]{background:var(--soft)}

/* Hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%);padding-block:clamp(48px,7vw,88px);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-80px;width:420px;height:680px;background:var(--red);transform:skewX(-32deg);opacity:.08}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero h1 span{color:var(--red)}
.hero .lead{margin-top:18px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero-note{margin-top:18px;font-size:14px;color:var(--muted)}
.hero-card{background:var(--navy);color:#fff;border-radius:20px;padding:28px;box-shadow:var(--shadow);display:grid;gap:16px}
.hero-card h3{color:#fff}
.pillar{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:14px 16px}
.pillar b{display:block;font-size:15px}
.pillar span{font-size:14px;color:#c9d4ee}

/* Diferenciadores */
.diff{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.diff-item{padding:26px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;display:grid;gap:10px}
.diff-num{font-size:14px;font-weight:800;color:var(--red)}

/* Seguros */
.insurance{background:var(--soft)}
.groups{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.group{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:18px;border-top:5px solid var(--navy)}
.group:nth-child(2){border-top-color:var(--red)}
.group ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.group li b{display:block;color:var(--navy)}
.group li span{font-size:14px;color:var(--muted)}
.group .btn{margin-top:auto;align-self:flex-start}

/* Proceso */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{position:relative;padding:24px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:14px}
.step p{font-size:15px;color:var(--muted);margin-top:6px}

/* Videoteca */
.videos{background:var(--navy-900);color:#fff}
.videos h2,.videos h3{color:#fff}
.videos .lead{color:#c9d4ee}
.filters{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px}
.filter{background:transparent;border:1.5px solid rgba(255,255,255,.35);color:#fff;border-radius:999px;padding:9px 16px;font-weight:600;font-size:14px;cursor:pointer;font-family:inherit}
.filter[aria-pressed="true"]{background:#fff;color:var(--navy);border-color:#fff}
.video-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.video{background:#0b2a63;border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;border:1px solid rgba(255,255,255,.1)}
.video-frame{aspect-ratio:16/9;background:linear-gradient(135deg,#0b3d8c,#001b47);position:relative;display:grid;place-items:center;max-width:100%}
.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.play{width:64px;height:64px;border-radius:50%;background:var(--red);display:grid;place-items:center}
.play::after{content:"";border-left:20px solid #fff;border-top:12px solid transparent;border-bottom:12px solid transparent;margin-left:5px}
.soon{position:absolute;top:12px;left:12px;background:rgba(255,255,255,.14);border-radius:999px;padding:4px 12px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.video-body{padding:18px 20px 22px;display:grid;gap:6px}
.video-tag{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#ff8a9a}
.video-body p{font-size:14px;color:#c9d4ee}
.empty{color:#c9d4ee}

/* Newsletter */
.newsletter-box{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center;background:var(--soft);border-radius:20px;padding:clamp(28px,4vw,48px)}
.newsletter-box ul{margin:14px 0 0;padding-left:20px;color:var(--muted)}

/* Formulario */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:40px;align-items:start}
.contact-info{display:grid;gap:18px}
.info-card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:grid;gap:4px}
.info-card b{color:var(--navy)}
.form-card{background:#fff;border-radius:20px;box-shadow:var(--shadow);border:1px solid var(--line);padding:clamp(22px,3vw,36px)}
.progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:26px}
.progress div{display:grid;gap:8px;font-size:13px;font-weight:700;color:var(--muted)}
.progress div::before{content:"";height:6px;border-radius:99px;background:var(--line)}
.progress div.done::before,.progress div.active::before{background:var(--red)}
.progress div.active{color:var(--navy)}
fieldset{border:0;margin:0;padding:0;display:grid;gap:18px}
legend{font-size:22px;font-weight:800;color:var(--navy);margin-bottom:6px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-weight:600;font-size:14px;display:grid;gap:6px}
.req{color:var(--red)}
input,select,textarea{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid #cfd6e4;border-radius:10px;background:#fff;color:var(--ink);width:100%}
textarea{min-height:110px;resize:vertical}
.hint{font-size:13px;color:var(--muted);font-weight:500}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{position:relative}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-block;padding:9px 14px;border:1.5px solid #cfd6e4;border-radius:999px;font-size:14px;font-weight:600;cursor:pointer;background:#fff}
.chip input:checked + span{background:var(--navy);border-color:var(--navy);color:#fff}
.radios{display:flex;flex-wrap:wrap;gap:10px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:14px}
.check input{width:20px;height:20px;margin-top:2px;flex:none}
.error{color:var(--red-700);font-size:13px;font-weight:600;min-height:0}
.invalid{border-color:var(--red)!important}
.form-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px}
.success{display:grid;gap:14px;text-align:center;padding:20px 0}
.success .ok{width:72px;height:72px;border-radius:50%;background:#e7f8ee;display:grid;place-items:center;margin:0 auto;font-size:36px;color:#1e8c4f}

/* Footer */
.site-footer{background:var(--navy-900);color:#c9d4ee;padding-block:48px 28px;font-size:14px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:15px}
.site-footer a{color:#c9d4ee;text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.footer-logo{background:#fff;border-radius:12px;padding:8px;display:inline-block}
.footer-logo img{height:64px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:20px;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between}

/* WhatsApp flotante */
/* Botones flotantes: Siniestros y Subir. Se ocultan mientras haces scroll y vuelven al detenerte */
.sos-float{position:fixed;right:20px;bottom:20px;z-index:60;display:inline-flex;align-items:center;gap:8px;padding:14px 20px;border-radius:999px;background:var(--red-700);color:#fff;font-weight:700;font-size:15px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25);transition:opacity .2s,transform .2s}
.sos-float:hover{background:#a50e26}
.sos-float svg{width:18px;height:18px;flex:none}
.to-top{position:fixed;right:20px;bottom:84px;z-index:60;width:48px;height:48px;border-radius:50%;border:0;background:var(--navy);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 8px 24px rgba(0,0,0,.22);transition:opacity .2s,transform .2s}
.to-top:hover{background:var(--navy-900)}
.to-top svg{width:22px;height:22px}
.to-top.solo{bottom:20px}
.sos-float.is-hidden,.to-top.is-hidden{opacity:0;transform:translateY(12px);pointer-events:none}
@media (prefers-reduced-motion:reduce){.site-header,.sos-float,.to-top{transition:none}}

/* Complementos */
[hidden]{display:none!important}
section[id],.group[id]{scroll-margin-top:var(--hdr,76px)}
.skip{position:absolute;left:-9999px;top:8px;z-index:100;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px}
.skip:focus{left:12px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.btn-sm{padding:10px 16px;font-size:14px;color:#fff!important}
a.pillar{text-decoration:none;color:#fff;transition:background .15s}
a.pillar:hover{background:rgba(255,255,255,.16)}
.fine{margin-top:26px;font-size:13px;color:var(--muted)}
ol.steps{list-style:none;margin:0;padding:0}
.label{font-weight:600;font-size:14px;margin-bottom:8px}
.group-label{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:14px 0 8px}
.chips.highlight .chip span{border-color:var(--red)}
.hp{position:absolute;left:-9999px}
legend:focus{outline:none}
.progress{grid-template-columns:repeat(4,1fr)}
.summary{display:grid;grid-template-columns:auto 1fr;gap:6px 16px;margin:0 0 6px;padding:16px 18px;background:var(--soft);border-radius:12px;font-size:14px}
.summary dt{font-weight:700;color:var(--navy)}
.summary dd{margin:0;color:var(--ink);overflow-wrap:anywhere}
.news-cta{display:grid;gap:14px;justify-items:start;background:#fff;border-radius:16px;padding:24px;border:1px solid var(--line)}
.news-date b{display:block;color:var(--navy);font-size:18px}
.news-date span{color:var(--muted);font-size:14px}
.video-play{border:0;padding:0;cursor:pointer;width:100%}
.video-play img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.video-play .play{position:relative}
.play.is-soon{opacity:.35}
.video-body h3{font-size:18px}

/* Enlace y portada de empresas */
.biz-link{display:flex;flex-wrap:wrap;align-items:center;gap:6px 12px;margin-top:26px;padding:14px 18px;border:2px solid var(--navy);border-radius:12px;background:#fff;text-decoration:none;color:var(--ink);font-size:15px;font-weight:600;max-width:560px;transition:border-color .15s,transform .15s}
.biz-link span{background:var(--navy);color:#fff;border-radius:999px;padding:4px 12px;font-size:13px;font-weight:800}
.biz-link:hover{border-color:var(--red);transform:translateY(-1px)}
a.info-biz{text-decoration:none;color:var(--ink);border-color:var(--navy);background:var(--soft)}
a.info-biz:hover{border-color:var(--red)}
.biz-band{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.biz-band::after{content:"";position:absolute;right:-120px;top:-80px;width:380px;height:620px;background:var(--red);transform:skewX(-32deg);opacity:.18}
.biz-band .container{position:relative;z-index:1}
.biz-band h2{color:#fff;max-width:20ch;margin-top:10px;font-size:clamp(32px,4.6vw,52px)}
.biz-band .eyebrow{color:#ff8a9a}
.biz-band .lead{color:#c9d4ee;margin-top:16px}
.contact-info h2{margin-bottom:4px}

/* Calculadora de retiro */
.calc-hero{padding-block:clamp(40px,6vw,72px) 24px}
.calc-hero .lead{margin-top:16px}
.calc-section{padding-top:24px}
.calc-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:clamp(22px,3vw,32px);display:grid;gap:18px}
.calc-title{font-size:22px}
.money{display:flex;align-items:center;border:1.5px solid #cfd6e4;border-radius:10px;background:#fff;padding-left:14px;font-weight:700;color:var(--navy)}
.money:focus-within{outline:3px solid #ffb3bf;outline-offset:2px}
.money input{border:0;padding-left:6px;font-weight:600}
.money input:focus-visible{outline:none}
.money.pct{padding-left:0;padding-right:14px;max-width:160px}
.money.pct input{padding-left:14px}
.meta .chip span{padding:10px 22px;font-size:16px}
.calc-result{background:var(--navy);color:#fff;border-radius:20px;padding:clamp(22px,3vw,34px);display:grid;gap:16px;box-shadow:var(--shadow)}
.calc-result.is-empty>*:not(.eyebrow){opacity:.35}
.calc-result .eyebrow{color:#ff8a9a}
.res-intro{color:#c9d4ee}
.res-big{font-size:clamp(40px,6vw,60px);font-weight:800;line-height:1;letter-spacing:-.01em}
.res-big small{font-size:18px;font-weight:600;color:#c9d4ee}
.res-sub{font-size:14px;color:#c9d4ee}
.res-compare{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.cmp{font-family:inherit;background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.2);border-radius:12px;padding:12px;color:#fff;text-align:left;cursor:pointer;display:grid;gap:2px}
.cmp span{font-size:13px;font-weight:700;color:#c9d4ee}
.cmp b{font-size:clamp(15px,1.8vw,19px)}
.cmp small{font-size:12px;color:#c9d4ee}
.cmp.on{background:#fff;color:var(--navy);border-color:#fff}
.cmp.on span,.cmp.on small{color:var(--muted)}
.res-power{background:rgba(232,16,47,.16);border-left:4px solid var(--red);border-radius:8px;padding:12px 16px;font-size:14px}
.res-power p{color:#e3e9f7;margin-top:4px}
.xp-note{background:var(--soft);border-left:4px solid var(--red);border-radius:8px;padding:10px 12px;margin:0}
.xp-note b{color:var(--navy)}
.res-deduc{background:#e7f8ee;color:#14532d;border-radius:12px;padding:14px 16px;font-size:14px}
.res-deduc b{display:block;font-size:17px;color:#166534;margin-bottom:4px}
.res-table{width:100%;border-collapse:collapse;font-size:14px}
.res-table caption{text-align:left;font-weight:700;margin-bottom:8px}
.res-table th{text-align:left;color:#c9d4ee;font-weight:600;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.2)}
.res-table td{padding:7px 0;border-bottom:1px solid rgba(255,255,255,.1);font-variant-numeric:tabular-nums}
.res-table td:last-child,.res-table th:last-child{text-align:right}
.res-table tr.hl td{font-weight:800;color:#fff}
.res-cta{display:flex;flex-wrap:wrap;gap:10px}
.res-cta .btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.calc-note{max-width:900px}
.paths{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.path{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);border-top:5px solid var(--navy);display:flex;flex-direction:column;gap:12px}
.path:nth-child(2){border-top-color:var(--red)}
.path h3{font-size:24px}
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.ticks li{padding-left:30px;position:relative;font-size:15px;color:#2b3550}
.ticks li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:#e7f8ee;color:#1e8c4f;display:grid;place-items:center;font-size:13px;font-weight:800}
.ticks b{color:var(--navy)}
.path-note{margin-top:auto;font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:12px}
.paths-cta{display:grid;justify-items:center;gap:10px;margin-top:32px;text-align:center}

/* Menú con submenús */
.nav-links a[aria-current="page"]:not(.btn),.dd.is-active>.dd-link,.dd.is-active>.dd-btn{color:var(--red)}
.dd{position:relative;align-items:center;gap:2px}
.nav-links .dd.p1,.nav-links .dd.p2{display:flex!important}
@media (max-width:719px){.nav-links .dd.p1{display:none!important}}
@media (max-width:959px){.nav-links .dd.p2{display:none!important}}
.dd-link{white-space:nowrap}
.dd-btn{background:none;border:0;font:inherit;color:var(--ink);cursor:pointer;padding:8px 6px;display:inline-flex;align-items:center;border-radius:6px}
.dd-menu::before{content:"";position:absolute;left:0;right:0;top:-18px;height:18px}
.dd.hover>.dd-menu{display:grid}
.dd.hover>.dd-btn::after{transform:rotate(-135deg) translateY(-1px)}
.dd-btn::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);transition:transform .15s}
.dd.open>.dd-btn::after{transform:rotate(-135deg) translateY(-1px)}
.dd-btn:hover{color:var(--red)}
.dd-menu{display:none;position:absolute;top:calc(100% + 14px);left:-16px;min-width:300px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;z-index:70}
.dd.open .dd-menu{display:grid}
/* Si el menú es más alto que la pantalla (pantallas bajas o zoom), se desplaza por dentro */
.dd-menu{max-height:calc(100vh - var(--hdr,76px) - 24px);overflow-y:auto;overscroll-behavior:contain;align-content:start}
.dd-menu a{padding:8px 12px}
.dd-menu a span{line-height:1.35}
.dd-mega{left:50%;transform:translateX(-50%);width:min(1060px,94vw);grid-template-columns:repeat(6,minmax(0,1fr));gap:4px 8px;padding:14px}
.tabs.tabs-auto{grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.preg-hook-wide{margin-top:24px;background:var(--soft)}
@media (max-width:1299px){.dd-mega{position:fixed;top:calc(var(--hdr,76px) + 2px);left:3vw;right:3vw;width:auto;transform:none}.dd-mega::before{top:-26px;height:26px}}
.dd-mega .drawer-title{padding-left:12px}
.dd-mega a{padding:7px 12px}
.dd-mega a b{font-size:14px;font-weight:600}
.dd-menu a{display:grid;gap:2px;padding:10px 12px;border-radius:10px}
.dd-menu a b{font-size:15px;color:var(--navy)}
.dd-menu a span{font-size:13px;color:var(--muted);font-weight:500}
.dd-menu a:hover,.dd-menu a[aria-current="page"]{background:var(--soft)}

/* Encabezado de página interna */
.page-head{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%);padding-block:clamp(40px,6vw,64px) 28px}
.page-head .lead{margin-top:14px}
.contact-page{padding-top:28px}

/* Pestañas */
.tabs{display:grid;grid-template-columns:1fr 1fr;gap:6px;background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:6px;margin-bottom:16px}
.tabs [role=tab]{font:inherit;font-weight:700;font-size:15px;border:0;border-radius:10px;padding:12px 10px;background:transparent;color:var(--muted);cursor:pointer}
.tabs [role=tab][aria-selected="true"]{background:var(--navy);color:#fff;box-shadow:0 4px 12px rgba(0,27,71,.18)}
.tabs [role=tab]:focus-visible{outline:3px solid #ffb3bf;outline-offset:2px}

/* Franja del equipo */
.team-band{background:var(--navy);color:#fff;padding-block:clamp(44px,6vw,72px)}
.team-grid{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center}
.team-num{font-size:clamp(90px,12vw,140px);font-weight:800;line-height:.8;color:var(--red)}
.team-band h2{color:#fff}
.team-band .lead{color:#c9d4ee;margin-top:10px}
.team-ctas{display:flex;flex-wrap:wrap;gap:10px}

/* Nosotros */
.about-hero{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%);padding-block:clamp(44px,6vw,80px)}
.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.about-name{font-size:clamp(32px,4.4vw,50px)}
.about-name span{display:block;color:var(--red);font-size:.62em;margin-top:8px}
.about-role{font-weight:700;color:var(--red);margin:12px 0 16px}
.about-photo{width:100%;max-width:420px;justify-self:end;border-radius:20px;box-shadow:var(--shadow);aspect-ratio:1;object-fit:cover}
.socials{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.social{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border-radius:999px;font-weight:700;font-size:14px;text-decoration:none;color:#fff}
.social svg{width:18px;height:18px}
.social.ig{background:linear-gradient(45deg,#f58529,#dd2a7b 55%,#8134af)}
.social.in{background:#0a66c2}
.cedula{margin-top:20px;font-size:14px;color:var(--muted)}
.about-story{max-width:880px}
.about-story .lead{margin-top:16px;max-width:none}
.about-story .lead b{color:var(--navy)}
.red{color:var(--red)}
.mvo .diff-item{border-top:5px solid var(--navy);box-shadow:var(--shadow);border-left:0;border-right:0;border-bottom:0}
.mvo .diff-item:nth-child(2){border-top-color:var(--red)}
.mvo .diff-num{font-size:20px;color:var(--navy);letter-spacing:0}
.mvo .diff-item p{color:#2b3550}
.values-title{font-size:clamp(24px,3vw,32px);margin:44px 0 20px}
.values{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.value{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:grid;gap:6px;align-content:start}
.value b{color:var(--red);font-size:16px}
.value span{font-size:14px;color:#2b3550}
@media (max-width:960px){.values{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.values{grid-template-columns:1fr}}
.cta-box{text-align:center;display:grid;justify-items:center;gap:14px}
.cta-box .hero-ctas{justify-content:center;margin-top:8px}

/* Empresas: deducibilidad y herramientas */
.pink{color:#ff8a9a}
.biz-band h1{color:#fff;max-width:22ch;margin-top:10px}
.biz-band .lead b{color:#fff}
.deduc-teaser{display:grid;grid-template-columns:.8fr 1.2fr;gap:24px;align-items:start}
.deduc-teaser>div:first-child{background:var(--soft);border-radius:var(--radius);padding:26px}
.deduc-cta{background:var(--navy);color:#fff;border-radius:20px;padding:clamp(24px,3vw,34px);display:grid;gap:14px;box-shadow:var(--shadow)}
.deduc-cta h3{color:#fff;font-size:24px}
.deduc-cta p{color:#c9d4ee}
.deduc-cta .ticks li{color:#fff}
.deduc-cta .hero-ctas{margin-top:6px}
.deduc-points{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:22px}
.deduc-points .info-card span{font-size:14px;color:#2b3550}
.tool-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.tool-card{background:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);text-decoration:none;color:var(--ink);display:grid;gap:8px;border-top:5px solid var(--red);transition:transform .15s}
.tool-card:hover{transform:translateY(-2px)}
.tool-card b{color:var(--navy);font-size:18px}
.tool-card span{color:var(--muted);font-size:15px}
.hidden-costs{grid-template-columns:repeat(4,1fr)}
.hidden-costs .tool-card{box-shadow:none;border:1px solid var(--line);border-top:4px solid var(--navy)}
.hidden-costs .tool-card:hover{transform:none}
@media (max-width:960px){.hidden-costs{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.hidden-costs{grid-template-columns:1fr}}

/* Siniestros */
.tabs-wide{grid-template-columns:repeat(4,1fr)}
.claim{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:clamp(22px,3vw,34px)}
.claim-steps{margin:0;padding:0;list-style:none;counter-reset:c;display:grid;gap:14px}
.claim-steps li{counter-increment:c;position:relative;padding-left:48px;min-height:34px;color:#2b3550}
.claim-steps li::before{content:counter(c);position:absolute;left:0;top:-2px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center}
.claim-steps b{color:var(--navy)}
.tabs-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:560px){.tabs-3{grid-template-columns:1fr}}
.claim-steps li.claim-alert{counter-increment:none;background:#fdecee;border:1.5px solid var(--red);border-radius:12px;padding:12px 14px 12px 56px;color:#5c0b18}
.claim-steps li.claim-alert::before{content:"!";background:var(--red);left:12px;top:12px}
.claim-steps li.claim-alert b{color:var(--red-700)}
.diff-item{align-content:start}
.diff-2{grid-template-columns:1fr 1fr}
.calc-example{border-color:var(--navy);grid-column:1/-1}
.calc-example .ex-table{max-width:640px}
@media (max-width:720px){.diff-2{grid-template-columns:1fr}}
.ex-table{width:100%;border-collapse:collapse;font-size:14px}
.ex-table td{padding:6px 0;border-bottom:1px solid var(--line);vertical-align:top}
.ex-table td:last-child{text-align:right;font-weight:700;white-space:nowrap;padding-left:10px;font-variant-numeric:tabular-nums}
.ex-table tr.hl td{color:var(--red);font-weight:800;border-bottom:0;padding-top:10px}
.ex-table tr.hl2 td{color:var(--navy);font-weight:800;border-bottom:0}
.ex-note{font-size:13px;color:var(--muted)}
.claim-note{margin-top:20px;padding:14px 16px;background:var(--soft);border-radius:10px;font-size:14px}

/* Preguntas y glosario */
.faq{max-width:860px;display:grid;gap:10px}
.faq-group{font-size:22px;margin:22px 0 6px}
.faq-group:first-child{margin-top:0}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;line-height:1;color:var(--red)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 18px 18px;color:#2b3550}
.glossary{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0}
.glossary div{background:#fff;border-radius:12px;padding:16px 18px;border:1px solid var(--line)}
.glossary dt{font-weight:800;color:var(--navy)}
.glossary dd{margin:4px 0 0;font-size:14px;color:var(--muted)}

/* Diagnóstico */
.quiz-list{margin:0;padding-left:22px;display:grid;gap:18px}
.quiz-q{font-weight:600;margin-bottom:8px}
.meter{height:10px;border-radius:99px;background:rgba(255,255,255,.18);overflow:hidden}
.meter span{display:block;height:100%;background:var(--red);border-radius:99px;transition:width .3s}
.gaps{margin:6px 0 0;padding-left:18px;display:grid;gap:6px;color:#e3e9f7}

/* Recordatorios */
.rem-card{max-width:860px;margin:0 auto}
.rem-card form{display:grid;gap:18px}
.rem-title{margin-top:10px}
.rem-list{display:grid;gap:10px}
.rem-item{border:1.5px solid var(--line);border-radius:12px;padding:14px 16px;display:grid;gap:12px}
.rem-item:has(input[name="tipo"]:checked){border-color:var(--navy);background:var(--soft)}
.rem-item .check b{display:block;color:var(--navy);font-size:15px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;align-items:end}
.rem-repeat{align-self:center}

/* Calculadoras de crédito y ahorro */
.tabs-5{grid-template-columns:repeat(5,1fr)}
@media (max-width:720px){.tabs-5{grid-template-columns:repeat(3,1fr)}}
@media (max-width:420px){.tabs-5{grid-template-columns:1fr 1fr}}
.calc-panel{display:grid;gap:24px}
.calc-panel>*,.calc-grid>*{min-width:0}
.seg{display:flex;flex-wrap:wrap;gap:4px;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:4px}
.seg label{flex:1;position:relative;font-weight:600;display:block}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span,.seg button{display:block;text-align:center;padding:9px 10px;border-radius:9px;font-size:14px;color:var(--muted);cursor:pointer;background:transparent;border:0;font:inherit;font-weight:600}
.seg input:checked+span,.seg button[aria-pressed="true"]{background:var(--navy);color:#fff}
.seg input:focus-visible+span{outline:3px solid #ffb3bf;outline-offset:2px}
.seg-sm{flex-wrap:nowrap}
.seg-sm button{padding:7px 12px;font-size:13px}
.btn-xs{padding:8px 12px;font-size:13px;border-width:1.5px}
.stack-bar{display:flex;height:14px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.15)}
.stack-bar span{display:block;height:100%}
.stack-legend{list-style:none;margin:8px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13px;color:#dbe3f5}
.stack-legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.stack-legend b{color:#fff}
.s-cap{background:#7fa6e6}.s-int{background:var(--red)}.s-iva{background:#ff8a9a}.s-gain{background:#3ccf7a}
.res-hook{background:#fff;color:var(--ink);border-radius:12px;padding:14px 16px;font-size:14px}
.res-hook b{color:var(--navy);display:block;margin-bottom:2px}
.res-hook a{color:var(--red);font-weight:700}
.vs{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.vs-card{border-radius:12px;padding:14px;display:grid;gap:4px}
.vs-card span{font-size:13px;font-weight:700}
.vs-card b{font-size:clamp(20px,2.4vw,26px);line-height:1.15}
.vs-card small{font-size:13px}
.vs-bad{background:rgba(232,16,47,.18);border:1.5px solid rgba(232,16,47,.55)}
.vs-bad b{color:#ffb3bf}
.vs-good{background:#fff;color:var(--navy)}
.vs-good small{color:var(--muted)}
.amort{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(18px,2.5vw,26px)}
.amort-head{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;margin-bottom:14px}
.amort-head h3{font-size:18px}
.amort-tools{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.table-scroll{max-height:420px;overflow:auto;border:1px solid var(--line);border-radius:12px}
.amort-table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
.amort-table th{position:sticky;top:0;background:var(--navy);color:#fff;font-size:12px;text-transform:uppercase;letter-spacing:.04em;padding:10px 12px;text-align:right}
.amort-table td{padding:8px 12px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.amort-table th:first-child,.amort-table td:first-child{text-align:left}
.amort-table tbody tr:nth-child(even){background:var(--soft)}
@media (max-width:560px){.vs{grid-template-columns:1fr}}
@media print{
  .site-header,.site-footer,.sos-float,.to-top,.page-head,.tabs,.calc-note,.amort-tools,.res-cta,.res-hook,.skip{display:none!important}
  .calc-result{background:#fff!important;color:#000!important;box-shadow:none}
  .calc-result *{color:#000!important}
  .table-scroll{max-height:none;overflow:visible}
  .amort-table th{position:static;background:#eee!important;color:#000!important}
  .calc-card{box-shadow:none}
}

/* Universidad */
.tabs-6{grid-template-columns:repeat(6,1fr)}
@media (max-width:860px){.tabs-6{grid-template-columns:repeat(3,1fr)}}
@media (max-width:420px){.tabs-6{grid-template-columns:1fr 1fr}}
.kids{display:grid;gap:8px;margin-bottom:10px}
.kid{display:flex;align-items:center;gap:10px;font-weight:600;font-size:14px;background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:6px 8px}
.kid input{padding:8px 10px}
.kid input[name="nombre"]{flex:1;min-width:0}
.kid label{display:flex;align-items:center;gap:6px;font-size:14px}
.kid input[name="edad"]{width:70px}
.kid-x{background:none;border:0;font-size:20px;line-height:1;color:var(--muted);cursor:pointer;padding:0 4px}
.kid-x:hover{color:var(--red)}

/* Finanzas, negocio y salud */
.tabs-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:720px){.tabs-4{grid-template-columns:1fr 1fr}}
.debts{display:grid;gap:10px}
.debt{display:grid;grid-template-columns:1.2fr 1.3fr .9fr 1.2fr auto;gap:8px;align-items:end;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:10px}
.debt label{font-size:12px}
.debt input{padding:9px 10px;font-size:15px}
.debt .money{padding-left:10px}
.debt .kid-x{align-self:center;margin-top:18px}
@media (max-width:560px){.debt{grid-template-columns:1fr 1fr}.debt .kid-x{grid-column:2;justify-self:end;margin-top:0}}
.preg-cards{display:grid;gap:14px;align-content:start}
.preg-card{background:var(--navy);color:#fff;border-radius:16px;padding:20px 22px;display:grid;gap:6px}
.preg-card .eyebrow{color:#ff8a9a}
.preg-big{font-size:clamp(24px,3vw,32px);font-weight:800;line-height:1.15}
.preg-card p:last-child{color:#c9d4ee;font-size:14px}
.preg-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.preg-list li{display:grid;gap:2px}
.preg-list b{font-size:18px}
.preg-list span{font-size:13px;color:#c9d4ee}
.preg-hook{border:1px solid var(--line);display:grid;gap:10px}
.preg-hook .btn{justify-self:start}

/* Franja de indicadores */
.top-strip{background:var(--navy-900);color:#c9d4ee;font-size:13px}
.top-strip .container{display:flex;align-items:center;gap:18px;height:30px;white-space:nowrap;overflow-x:auto;scrollbar-width:none}
.top-strip .container::-webkit-scrollbar{display:none}
.top-strip b{color:#fff;font-weight:700;margin-right:4px}
.top-strip .ts-date{color:#8fa3c8}
.top-strip a{margin-left:auto;color:#ff8a9a;font-weight:700;text-decoration:none}
.top-strip a:hover{color:#fff}
@media (max-width:560px){.top-strip{font-size:12px}.top-strip .container{gap:10px;padding-inline:12px}.top-strip .ts-date,.top-strip .ts-fix{display:none}}
@media (max-width:389px){.top-strip .ts-conv{display:none}}

/* Sección plegable "Otros costos" */
.more{border:1.5px solid var(--line);border-radius:12px;background:var(--soft)}
.more summary{cursor:pointer;padding:12px 14px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center}
.more summary::-webkit-details-marker{display:none}
.more summary::after{content:"+";font-size:20px;color:var(--red)}
.more[open] summary::after{content:"–"}
.more-body{padding:0 14px 14px;display:grid;gap:12px}
.more-body .group-label{margin:6px 0 0}
.opt-buy{align-self:center}

/* Descripción breve de cada calculadora */
.about{margin:0 0 16px;padding:12px 16px;background:var(--soft);border-left:4px solid var(--navy);border-radius:10px;font-size:14px;color:#2b3550}
.about b{color:var(--navy)}
.meter-zones{background:linear-gradient(90deg,#3ccf7a 0 30%,#ffc94d 30% 40%,#ff6b7d 40% 100%);opacity:.95}
.meter-zones span{background:transparent;border-right:4px solid #fff;border-radius:0}
.debt-3{grid-template-columns:1.3fr 1fr 1.2fr}
@media (max-width:560px){.debt-3{grid-template-columns:1fr 1fr}}

/* Página de herramientas */
.hub-jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.hub-jump a{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:10px 18px;font-weight:700;color:var(--navy);text-decoration:none}
.hub-jump a:hover{border-color:var(--red);color:var(--red)}
.hub-section{padding-block:clamp(36px,5vw,56px)}
.hub-alt{background:var(--soft)}
.hub-section h2{margin-bottom:6px}
.hub-small{font-size:clamp(22px,2.6vw,28px)}
.hub-sub{font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin:22px 0 10px}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;margin-top:12px}
.hub-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;text-decoration:none;color:var(--ink);display:grid;gap:4px;transition:border-color .15s,transform .15s}
.hub-card:hover{border-color:var(--red);transform:translateY(-2px)}
.hub-card b{color:var(--navy);font-size:16px}
.hub-card span{color:var(--muted);font-size:14px}

/* Indicadores */
.ind-bar{display:flex;flex-wrap:wrap;gap:8px 22px;align-items:center;padding:0 0 22px;margin-bottom:28px;border-bottom:1px solid rgba(255,255,255,.12);font-size:13px}
.ind-bar b{color:#fff;margin-right:4px}
.ind-bar a{margin-left:auto;color:#ff8a9a!important}
.ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.ind-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:24px;display:grid;gap:12px;align-content:start}
.ind-value{font-size:clamp(28px,3.4vw,38px);font-weight:800;color:var(--navy);line-height:1.1}
.ind-meta{font-size:13px;color:var(--muted)}
.ind-meta a{color:var(--navy)}
.ind-text{font-size:14px;color:#2b3550}
.conv{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:end;background:var(--soft);border-radius:12px;padding:12px}
.conv label{font-size:13px}
.conv-eq{font-weight:800;color:var(--navy);padding-bottom:12px}
@media (max-width:960px){.ind-grid{grid-template-columns:1fr}}
@media (max-width:560px){.ind-bar a{margin-left:0}}

/* Quiénes somos en Cotiza */
.who{background:var(--navy);color:#fff;border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.who summary{display:flex;align-items:center;gap:14px;padding:16px 18px;cursor:pointer;list-style:none}
.who summary::-webkit-details-marker{display:none}
.who summary::after{content:"";margin-left:auto;width:8px;height:8px;border-right:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(45deg);transition:transform .15s;flex:none}
.who[open] summary::after{transform:rotate(-135deg)}
.who summary img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.6);flex:none}
.who summary b{display:block;font-size:17px}
.who summary small{color:#c9d4ee;font-size:13px}
.who-body{padding:0 18px 18px;display:grid;gap:10px;font-size:14px;color:#dbe3f5}
.who-body b{color:#fff}
.who-team{display:flex;gap:10px;align-items:center;background:rgba(255,255,255,.08);border-radius:10px;padding:10px 12px}
.who-team span{font-size:32px;font-weight:800;color:var(--red);line-height:1}
.who-body a{color:#ff8a9a;font-weight:700;text-decoration:none}

/* Aviso de privacidad */
.doc{max-width:820px;padding-block:56px 80px}
.doc h1{font-size:clamp(30px,4vw,44px)}
.doc h2{font-size:22px;margin:36px 0 10px}
.doc p,.doc li{color:#2b3550;margin-bottom:10px}
.doc ul{padding-left:22px}
.doc .updated{color:var(--muted);font-size:14px;margin-top:10px}
.pending{background:#fff3c4;padding:0 4px;border-radius:4px;font-weight:600}

/* Responsive */
@media (max-width:960px){
  .hero-grid,.contact-grid,.newsletter-box,.calc-grid,.paths,.about-grid,.deduc-teaser{grid-template-columns:1fr}
  .deduc-points,.tool-cards,.glossary{grid-template-columns:1fr 1fr}
  .tabs-wide{grid-template-columns:1fr 1fr}
  .row3{grid-template-columns:1fr 1fr}
  .about-photo{justify-self:start;max-width:340px}
  .team-grid{grid-template-columns:auto 1fr}
  .team-ctas{grid-column:1/-1}
  .groups,.diff,.video-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .team-grid{grid-template-columns:1fr}
  .team-num{line-height:.9}
  .deduc-points,.tool-cards,.glossary,.row3{grid-template-columns:1fr}
  .groups,.diff,.video-grid,.steps,.row,.footer-grid{grid-template-columns:1fr}
  .brand img{height:48px}
  .hero::after,.biz-band::after{display:none}
  .progress{font-size:11px}
  .progress div{font-size:11px}
  .summary{grid-template-columns:1fr}
  .summary dd{margin-bottom:6px}
  .form-actions .btn{flex:1}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}

/* Íconos de línea (sprite en layout.js) */
.ic{width:1.15em;height:1.15em;vertical-align:-.2em;flex:none;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
h2 .ic,h3 .ic,.res-hook b .ic,.res-power b .ic,.hub-jump .ic,.dd-menu b .ic,.drawer b .ic{color:var(--red)}
[aria-selected="true"] .ic{color:inherit}

/* Inicio: quién te atiende */
.me-head{display:flex;gap:14px;align-items:center}
.me-head img{width:72px;height:72px;border-radius:50%;object-fit:cover;border:2px solid rgba(255,255,255,.6);flex:none}
.me-head h3{font-size:20px}
.me-head span{font-size:13px;color:#c9d4ee}
.me-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.me-list li{display:flex;gap:10px;align-items:center;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:12px 14px;font-weight:600;font-size:15px}
.me-list .ic{color:#4ade80}
.hero-me .btn{justify-content:center}
.me-link{color:#ff8a9a;font-weight:700;text-decoration:none;text-align:center;font-size:14px}
.dd-menu b .ic,.drawer b .ic{margin-right:8px}

/* Inicio: acceso directo a las herramientas, lo que nos distingue */
.hero-tools{display:inline-flex;align-items:center;gap:8px;margin-top:22px;font-weight:700;color:var(--navy);text-decoration:none;border-bottom:2px solid var(--red);padding-bottom:2px}
.hero-tools .ic{color:var(--red)}
.hero-tools:hover{color:var(--red)}