@import url('https://fonts.googleapis.com/css2?family=Barlow:wght@500;600;700;800&family=Inter:wght@400;500;600;700&family=Playfair+Display:wght@700;800&display=swap');

:root{--ink:#14251f;--forest:#1c3d32;--forest-2:#2a5948;--gold:#d9b972;--paper:#fff;--mist:#f3f7f5;--line:#d9e3dd;--muted:#52645a;--navy:#1c3557}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 16px/1.65 'Inter',sans-serif}
a{color:var(--forest)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}
.skip-link{position:absolute;left:-9999px;top:0;padding:9px 13px;background:#fff;z-index:30}
.skip-link:focus{left:12px;top:12px}
.content-shell{width:min(1160px,calc(100% - 48px));margin-inline:auto}
.insurance-header{height:70px;background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.header-inner{width:min(1200px,calc(100% - 48px));height:100%;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;white-space:nowrap;font:800 1.12rem 'Barlow',sans-serif}
.brand img{object-fit:contain;display:block}
.brand strong{color:var(--navy)}
.site-nav{display:flex;align-items:center;gap:15px}
.site-nav a{font-size:.77rem;font-weight:600;color:#41554b;text-decoration:none;padding:8px 0;white-space:nowrap}
.site-nav a:hover{color:var(--forest)}
.site-nav a[aria-current=page]{color:var(--forest);border-bottom:2px solid var(--gold)}
.site-nav .nav-complement{border-left:1px solid var(--line);padding-left:17px;color:var(--forest)}
.menu-toggle{display:none;min-height:42px;padding:7px 12px;border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink);font:700 .85rem 'Inter',sans-serif;cursor:pointer}
.insurance-hero{position:relative;min-height:min(68vh,620px);display:flex;align-items:center;background:var(--forest) url('seguros-hogar-interior.webp') center 52%/cover no-repeat;color:#fff;isolation:isolate}
.insurance-hero::before{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,39,31,.9) 0%,rgba(13,39,31,.72) 38%,rgba(13,39,31,.08) 77%);z-index:-1}
.hero-inner{width:min(1160px,calc(100% - 48px));margin:0 auto;padding:80px 0 90px}
.hero-label,.section-kicker{font:700 .7rem 'Inter',sans-serif;text-transform:uppercase;letter-spacing:.12em;margin:0 0 17px}
.hero-label{color:var(--gold)}
h1,h2,h3,p{margin-top:0}
h1{font:800 clamp(2.7rem,5.3vw,5rem)/1.06 'Playfair Display',Georgia,serif;letter-spacing:0;max-width:690px;margin-bottom:22px;color:#fff}
.hero-lead{max-width:580px;font-size:1.09rem;line-height:1.7;color:#f3f8f4;margin-bottom:28px}
.hero-action{display:inline-flex;align-items:center;justify-content:center;gap:15px;min-height:48px;background:var(--gold);color:#172b22;border-radius:4px;padding:12px 21px;text-decoration:none;font-size:.87rem;font-weight:700}
.hero-action:hover{background:#ebcc85}
.intro-band{padding:74px 0;background:#fff}
.intro-grid{display:grid;grid-template-columns:240px minmax(0,1fr);gap:74px}
.section-kicker{color:#38705b}
.intro-grid .section-kicker{padding-top:13px;border-top:2px solid var(--gold)}
h2{font:800 clamp(1.9rem,3vw,2.65rem)/1.18 'Playfair Display',Georgia,serif;letter-spacing:0;color:var(--ink);margin-bottom:16px}
.intro-grid h2{max-width:720px}
.intro-grid p:last-child{max-width:730px;color:var(--muted);font-size:1rem;line-height:1.78;margin-bottom:0}
.layers-section,.criteria-section,.situation-section,.faq-section{padding:76px 0}
.layers-section{background:var(--mist);border-block:1px solid var(--line)}
.section-heading{max-width:790px;margin-bottom:37px}
.section-heading p:last-child{color:var(--muted);margin:0;font-size:.91rem}
.layers-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid #a9bdb1}
.layer{padding:28px 48px 0 0}
.layer+ .layer{border-left:1px solid #a9bdb1;padding-left:48px;padding-right:0}
.layer-number,.criterion-index{font:700 .8rem 'Barlow',sans-serif;color:#437b66}
.layer h3{font:700 1.45rem 'Barlow',sans-serif;margin:12px 0 11px}
.layer p{color:var(--muted);font-size:.89rem;line-height:1.74;max-width:450px;margin-bottom:20px}
.layer a{font-size:.83rem;font-weight:700;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:3px}
.alarm-connection{background:#eef3f5;border-block:1px solid #d8e1e5;padding:70px 0}
.alarm-connection-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:70px}
.alarm-connection .section-kicker{color:var(--navy)}
.alarm-connection h2{max-width:530px}
.alarm-connection p:not(.section-kicker){max-width:510px;color:#4b5f67;font-size:.9rem;line-height:1.75;margin-bottom:0}
.alarm-connection h3{font:700 1.02rem 'Barlow',sans-serif;margin:4px 0 14px}
.alarm-connection ul{list-style:none;margin:0 0 24px;padding:0;border-top:1px solid #c9d7dd}
.alarm-connection li{font-size:.84rem;color:#3d525d;line-height:1.6;padding:11px 0;border-bottom:1px solid #c9d7dd}
.alarm-connection-links{display:flex;flex-wrap:wrap;gap:10px 24px}
.alarm-connection-links a{font-size:.82rem;font-weight:700;color:var(--navy);text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:3px}
.alarm-connection-links a:hover{color:#326a86}
.criteria-heading{margin-bottom:26px}
.criteria-list{list-style:none;padding:0;margin:0;border-top:1px solid var(--line)}
.criteria-list li{display:grid;grid-template-columns:100px 1fr;gap:24px;padding:24px 0;border-bottom:1px solid var(--line)}
.criterion-index{font-size:1.1rem}
.criteria-list h3{font:700 1.13rem 'Barlow',sans-serif;margin:0 0 6px}
.criteria-list p{font-size:.86rem;color:var(--muted);line-height:1.65;max-width:760px;margin:0}
.situation-section{background:#ecf2ef;border-top:1px solid var(--line)}
.situation-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.situation-grid>div{border-top:2px solid #75a28b;padding-top:20px}
.situation-grid h3{font:700 1.05rem 'Barlow',sans-serif;margin:0 0 8px}
.situation-grid p{font-size:.85rem;color:var(--muted);line-height:1.7;margin:0}
.extraordinary-section{background:var(--forest);color:#fff;padding:62px 0}
.extraordinary-inner{display:flex;align-items:end;justify-content:space-between;gap:42px}
.extraordinary-section .section-kicker{color:var(--gold)}
.extraordinary-section h2{color:#fff;max-width:700px}
.extraordinary-section p:last-child{color:#d7e6db;max-width:710px;font-size:.9rem;line-height:1.7;margin-bottom:0}
.extraordinary-section a{display:inline-flex;flex:none;align-items:center;justify-content:center;gap:10px;min-height:44px;border:1px solid var(--gold);color:var(--gold);border-radius:4px;padding:10px 16px;font-weight:700;font-size:.83rem;text-decoration:none}
.extraordinary-section a:hover{background:var(--gold);color:var(--ink)}
.faq-grid{display:grid;grid-template-columns:320px minmax(0,1fr);gap:70px}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list summary{cursor:pointer;list-style:none;padding:20px 28px 20px 0;position:relative;font:700 .98rem 'Barlow',sans-serif}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:'+';position:absolute;right:2px;top:16px;font:400 1.5rem 'Inter',sans-serif;color:var(--forest)}
.faq-list details[open] summary::after{content:'−'}
.faq-list p{font-size:.84rem;color:var(--muted);line-height:1.72;max-width:700px;margin:0 0 22px}
.faq-list p a{font-weight:700}
.insurance-footer{background:#162824;color:#e8f1eb;padding:44px 0 24px}
.footer-inner{display:flex;justify-content:space-between;gap:30px}
.footer-brand{font:800 1.1rem 'Barlow',sans-serif;color:#fff;text-decoration:none}
.footer-inner p{font-size:.78rem;color:#b6ccc0;margin:6px 0 0}
.footer-links{display:flex;gap:24px;align-items:start;flex-wrap:wrap}
.footer-links a{color:#d8e8dd;font-size:.8rem;text-decoration:none}
.footer-links a:hover{text-decoration:underline}
.footer-note{width:min(1160px,calc(100% - 48px));margin:33px auto 0;padding-top:15px;border-top:1px solid #3b5548;font-size:.72rem;color:#a9c2b4}
@media(max-width:1160px){.menu-toggle{display:block}.site-nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 24px;box-shadow:0 12px 20px rgba(0,0,0,.08);flex-direction:column;align-items:stretch;gap:2px;max-height:calc(100vh - 70px);overflow-y:auto}.site-nav.is-open{display:flex}.site-nav a{min-height:42px;display:flex;align-items:center}.site-nav .nav-complement{border-left:0;border-top:1px solid var(--line);padding:13px 0 8px;margin-top:8px}.site-nav a[aria-current=page]{border-bottom:0;border-left:3px solid var(--gold);padding-left:10px}}
@media(max-width:800px){.intro-grid,.faq-grid,.alarm-connection-grid{grid-template-columns:1fr;gap:20px}.intro-grid .section-kicker{max-width:210px}.extraordinary-inner{align-items:start;flex-direction:column}.situation-grid{gap:18px}}
@media(max-width:680px){.header-inner,.content-shell,.hero-inner,.footer-note{width:calc(100% - 40px)}.insurance-header{height:64px}.site-nav{top:64px;max-height:calc(100vh - 64px);padding:12px 20px}.insurance-hero{min-height:min(68vh,570px);background-position:34% center}.insurance-hero::before{background:rgba(12,37,30,.69)}.hero-inner{padding:65px 0 74px}.hero-lead{font-size:.96rem}.intro-band,.layers-section,.criteria-section,.situation-section,.faq-section,.alarm-connection{padding:54px 0}.layers-grid{grid-template-columns:1fr}.layer{padding:22px 0 25px}.layer+ .layer{border-left:0;border-top:1px solid #a9bdb1;padding:25px 0 0}.criteria-list li{grid-template-columns:45px 1fr;gap:8px;padding:22px 0}.situation-grid{grid-template-columns:1fr;gap:25px}.extraordinary-section{padding:54px 0}.faq-grid{gap:10px}.footer-inner{flex-direction:column}.footer-links{gap:12px 20px}}
@media(max-width:360px){.header-inner{gap:8px}.brand{gap:6px;font-size:.9rem}.brand img{width:30px;height:30px}.menu-toggle{padding:7px 9px;font-size:.78rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}