*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{--primary:#1B3A5C;--primary-light:#2C5F8A;--primary-dark:#0F2640;--accent:#F5A623;--accent-hover:#E09515;--success:#28A745;--danger:#DC3545;--bg:#F4F6F9;--bg-alt:#EBF3FA;--white:#FFF;--text:#2D3748;--text-light:#718096;--text-muted:#A0AEC0;--border:#E2E8F0;--shadow:0 2px 8px rgba(0,0,0,.08);--shadow-lg:0 8px 30px rgba(0,0,0,.12);--radius:8px;--font:'Segoe UI',-apple-system,BlinkMacSystemFont,sans-serif}
html{scroll-behavior:smooth}body{font-family:var(--font);background:var(--bg);color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased}

/* HEADER - estilo Gestión Seguros */
.site-header{background:var(--white);border-bottom:3px solid var(--primary);position:sticky;top:0;z-index:100}
.header-inner{max-width:1280px;margin:0 auto;padding:10px 24px;display:flex;align-items:center;justify-content:space-between}
.header-logo{display:flex;align-items:center;text-decoration:none}.header-logo img{height:42px}
.header-nav{display:flex;align-items:center;gap:4px}
.header-nav a{color:var(--text);text-decoration:none;font-size:13px;padding:8px 14px;font-weight:500;transition:.2s;border-radius:4px}
.header-nav a:hover{color:var(--primary);background:var(--bg-alt)}
.header-phone{display:flex;align-items:center;gap:6px;color:var(--primary);font-weight:700;font-size:14px}

/* HERO - compacto */
.hero{background:linear-gradient(135deg,var(--primary-dark),var(--primary) 60%,var(--primary-light));color:#fff;padding:36px 24px 44px;text-align:center}
.hero h1{font-size:32px;font-weight:700;margin-bottom:8px}.hero p{font-size:16px;opacity:.85}
.hero-separator{height:4px;background:linear-gradient(90deg,var(--primary),var(--accent),var(--primary))}

/* LAYOUT 2 columnas */
.main-content{max-width:1280px;margin:32px auto;padding:0 24px}
.cotizador-layout{display:grid;grid-template-columns:1fr 340px;gap:24px;align-items:start}

/* CARD del cotizador */
.cotizador-card{background:var(--white);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden}
.steps-bar{display:flex;background:var(--primary-dark);overflow-x:auto}
.step-item{flex:1;display:flex;align-items:center;gap:8px;padding:14px 16px;font-size:12px;font-weight:600;color:rgba(255,255,255,.45);transition:.2s;white-space:nowrap}
.step-item.active{color:#fff;background:rgba(255,255,255,.1)}
.step-item.completed{color:rgba(255,255,255,.7)}
.step-number{width:24px;height:24px;border-radius:50%;background:rgba(255,255,255,.15);color:rgba(255,255,255,.5);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;flex-shrink:0}
.step-item.active .step-number{background:var(--accent);color:var(--primary-dark)}
.step-item.completed .step-number{background:var(--success);color:#fff}

.cotizador-body{padding:28px;position:relative;min-height:400px}
.section-title{font-size:18px;color:var(--primary);font-weight:700;margin-bottom:4px}
.section-desc{color:var(--text-light);font-size:14px;margin-bottom:20px}
.form-section{display:none}.form-section.active{display:block;animation:fadeIn .3s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}

.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}
.form-group{display:flex;flex-direction:column;gap:5px}.form-group.full-width{grid-column:1/-1}
.form-group label{font-size:13px;font-weight:600;color:var(--text)}.req{color:var(--danger)}
.form-input,.form-select{width:100%;padding:10px 14px;border:1.5px solid var(--border);border-radius:6px;font-size:14px;font-family:inherit;color:var(--text);background:var(--white);transition:.2s;outline:none}
.form-input:focus,.form-select:focus{border-color:var(--primary-light);box-shadow:0 0 0 3px rgba(44,95,138,.1)}
.form-input::placeholder{color:var(--text-muted)}.form-input.error{border-color:var(--danger)}
.form-error{font-size:11px;color:var(--danger);display:none}.form-group.has-error .form-error{display:block}
.form-hint{font-size:11px;color:var(--text-muted)}
.input-currency{position:relative}.input-currency .currency-symbol{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--text-light);font-weight:600;font-size:14px}
.input-currency .form-input{padding-left:30px}

/* Radio cards */
.radio-group{display:flex;gap:8px}
.radio-card{flex:1;display:flex;align-items:center;gap:8px;padding:10px 14px;border:1.5px solid var(--border);border-radius:6px;cursor:pointer;font-size:13px;font-weight:600;color:var(--text-light);transition:.2s}
.radio-card:hover{border-color:var(--primary-light)}.radio-card.selected{border-color:var(--primary);background:var(--bg-alt);color:var(--primary)}
.radio-dot{width:16px;height:16px;border-radius:50%;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:.2s}
.radio-card.selected .radio-dot{border-color:var(--primary)}.radio-card.selected .radio-dot::after{content:'';width:8px;height:8px;border-radius:50%;background:var(--primary)}

/* Buttons */
.form-actions{display:flex;justify-content:space-between;align-items:center;margin-top:28px;padding-top:20px;border-top:1px solid var(--border)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:11px 24px;border:none;border-radius:6px;font-size:14px;font-weight:600;font-family:inherit;cursor:pointer;transition:.2s;text-decoration:none}
.btn:disabled{opacity:.6;cursor:not-allowed}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 2px 6px rgba(245,166,35,.3)}
.btn-primary:hover:not(:disabled){background:var(--accent-hover);transform:translateY(-1px)}
.btn-secondary{background:transparent;color:var(--text-light);border:1.5px solid var(--border)}
.btn-secondary:hover:not(:disabled){border-color:var(--primary);color:var(--primary)}
.btn-outline-primary{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn-outline-primary:hover{background:var(--primary);color:#fff}
.btn-lg{padding:13px 32px;font-size:15px}.btn svg{width:18px;height:18px}

/* Results */
.results-highlight{background:linear-gradient(135deg,var(--primary-dark),var(--primary));color:#fff;padding:24px;border-radius:var(--radius);margin-bottom:20px;text-align:center}
.results-highlight .label{font-size:12px;opacity:.7;text-transform:uppercase;letter-spacing:1px;margin-bottom:2px}
.results-highlight .amount{font-size:32px;font-weight:700;letter-spacing:-1px}
.results-highlight .sublabel{font-size:13px;opacity:.65;margin-top:2px}
.results-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px}
.compare-card{padding:16px;border-radius:var(--radius);text-align:center;border:2px solid var(--border)}
.compare-card.active{border-color:var(--primary);background:var(--bg-alt)}
.compare-card .compare-label{font-size:12px;color:var(--text-muted);margin-bottom:4px}
.compare-card .compare-amount{font-size:22px;font-weight:700;color:var(--primary)}

.payment-options h3{font-size:15px;color:var(--primary);margin-bottom:12px;font-weight:700}
.payment-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px}
.payment-card{border:2px solid var(--border);border-radius:var(--radius);padding:16px;text-align:center;cursor:pointer;transition:.2s}
.payment-card:hover{border-color:var(--primary-light)}.payment-card.selected{border-color:var(--primary);background:var(--bg-alt)}
.payment-card .plan-name{font-size:13px;font-weight:700;color:var(--primary);margin-bottom:6px}
.payment-card .plan-amount{font-size:20px;font-weight:700;color:var(--text)}
.payment-card .plan-detail{font-size:11px;color:var(--text-light);margin-top:2px}
.payment-card .plan-total{font-size:11px;color:var(--text-muted);margin-top:6px;padding-top:6px;border-top:1px solid var(--border)}
.payment-card input[type=radio]{display:none}

/* File upload */
.file-upload{border:2px dashed var(--border);border-radius:var(--radius);transition:.2s;margin-top:6px}
.file-upload:hover{border-color:var(--primary-light)}
.file-upload-content{padding:24px;text-align:center;cursor:pointer;color:var(--text-muted)}
.file-upload-content svg{margin-bottom:8px;opacity:.5}
.file-upload-content p{font-size:13px;font-weight:600;margin-bottom:2px}
.file-upload-content small{font-size:11px}
.file-list{padding:0 12px 12px}.file-list:empty{display:none}
.file-item{display:flex;align-items:center;justify-content:space-between;padding:8px 12px;background:var(--bg);border-radius:4px;margin-top:6px;font-size:12px}
.file-item .file-name{font-weight:600;color:var(--text)}.file-item .file-remove{cursor:pointer;color:var(--danger);font-weight:700}

/* Success */
.success-container{text-align:center;padding:40px 20px}
.success-icon{width:72px;height:72px;background:#E8F5E9;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.success-icon svg{width:36px;height:36px;color:var(--success)}
.success-container h2{font-size:22px;color:var(--primary);margin-bottom:10px}
.success-container p{color:var(--text-light);font-size:14px;max-width:440px;margin:0 auto;line-height:1.7}

/* SIDEBAR INFO */
.sidebar-info{display:flex;flex-direction:column;gap:16px;position:sticky;top:80px}
.sidebar-card{background:var(--white);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);border:1px solid var(--border)}
.sidebar-card h3{font-size:15px;color:var(--primary);font-weight:700;margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid var(--bg-alt)}
.sidebar-card.highlight{background:var(--primary);color:#fff;border-color:var(--primary)}
.sidebar-card.highlight h3{color:#fff;border-bottom-color:rgba(255,255,255,.2)}
.sidebar-card.contact{background:var(--bg-alt);border-color:var(--primary-light)}
.sidebar-card.contact h3{border-bottom-color:rgba(27,58,92,.15)}
.sidebar-card.contact p{font-size:13px;color:var(--text);margin-bottom:4px}.sidebar-card.contact .small{color:var(--text-muted);font-size:11px;margin-top:8px}

.coverage-list,.req-list,.benefit-list{list-style:none;padding:0}
.coverage-list li{display:flex;align-items:center;gap:8px;padding:6px 0;font-size:13px;color:var(--text);border-bottom:1px solid var(--bg)}
.coverage-list li:last-child{border:none}
.coverage-list svg{color:var(--success);flex-shrink:0}
.req-list li{padding:5px 0;font-size:13px;color:var(--text);border-bottom:1px solid var(--bg);padding-left:16px;position:relative}
.req-list li::before{content:'•';position:absolute;left:0;color:var(--accent);font-weight:700}
.req-list li:last-child{border:none}.req-list small{color:var(--text-muted)}
.benefit-list li{padding:5px 0;font-size:13px;color:rgba(255,255,255,.9);padding-left:16px;position:relative}
.benefit-list li::before{content:'✓';position:absolute;left:0;color:var(--accent)}

/* Spinner */
.spinner{display:inline-block;width:20px;height:20px;border:2px solid rgba(255,255,255,.3);border-radius:50%;border-top-color:#fff;animation:spin .8s ease-in-out infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.loading-overlay{position:absolute;inset:0;background:rgba(255,255,255,.85);display:flex;align-items:center;justify-content:center;z-index:50}
.loading-overlay .spinner{width:32px;height:32px;border-color:var(--border);border-top-color:var(--primary)}

/* Footer estilo Gestión */
.site-footer{background:var(--primary-dark);color:rgba(255,255,255,.7);padding:36px 24px 20px;margin-top:60px}
.footer-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:40px}
.footer-brand img{height:36px;margin-bottom:12px;filter:brightness(0) invert(1)}.footer-brand p{font-size:13px;line-height:1.8}
.footer-col h4{color:#fff;font-size:13px;font-weight:600;margin-bottom:10px;text-transform:uppercase;letter-spacing:.5px}
.footer-col a{display:block;color:rgba(255,255,255,.6);text-decoration:none;font-size:13px;padding:3px 0;transition:.2s}
.footer-col a:hover{color:#fff}
.footer-bottom{max-width:1280px;margin:20px auto 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.1);text-align:center;font-size:11px;line-height:1.8}

/* RESPONSIVE */
@media(max-width:1024px){.cotizador-layout{grid-template-columns:1fr}.sidebar-info{position:static;display:grid;grid-template-columns:1fr 1fr;gap:12px}}
@media(max-width:768px){.hero h1{font-size:24px}.form-grid{grid-template-columns:1fr}.header-nav{display:none}
.sidebar-info{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr}
.form-actions{flex-direction:column;gap:10px}.form-actions .btn{width:100%;justify-content:center}
.steps-bar{overflow-x:auto}.step-item{padding:10px;font-size:11px}.results-compare{grid-template-columns:1fr}
.payment-grid{grid-template-columns:1fr}}