:root {
  --primary: #081F4D;
  --secondary: #D4AF37;
  --bg: #F8F8F8;
  --text: #1F2937;
  --white: #ffffff;
  --gold-gradient: linear-gradient(135deg, #D4AF37 0%, #F5D76E 50%, #B8960C 100%);
  --glass: rgba(255, 255, 255, 0.85);
  --shadow: 0 10px 40px rgba(8, 31, 77, 0.08);
  --radius: 16px;
  --transition: all 0.3s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', serif;
  color: var(--primary);
}

a { text-decoration: none; transition: var(--transition); }
img { max-width: 100%; height: auto; }

.section-padding { padding: 100px 0; }
.bg-light-section { background: var(--bg); }
.bg-primary-section { background: var(--primary); }

.section-tag {
  display: inline-block;
  color: var(--secondary);
  font-weight: 600;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 12px;
}
.section-tag.light { color: var(--secondary); }
.section-title { font-size: 2.5rem; font-weight: 700; margin-bottom: 16px; }
.section-desc { max-width: 600px; margin: 0 auto; color: #6B7280; }

.btn-gold {
  background: var(--gold-gradient);
  color: var(--primary);
  border: none;
  font-weight: 600;
  border-radius: 50px;
  padding: 12px 28px;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(212, 175, 55, 0.45);
  color: var(--primary);
}

.glass-card {
  background: var(--glass);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
  transition: var(--transition);
}
.glass-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 20px 50px rgba(8, 31, 77, 0.12);
}

.navbar {
  padding: 12px 0;
  transition: var(--transition);
  background: rgba(8, 31, 77, 0.98);
  backdrop-filter: blur(12px);
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.2);
}
.navbar.scrolled {
  background: rgba(8, 31, 77, 1);
  padding: 8px 0;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.25);
}
.nav-logo {
  height: 52px;
  width: auto;
  object-fit: contain;
  display: block;
}
.navbar .nav-link {
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  padding: 8px 16px !important;
  position: relative;
}
.navbar .nav-link::after {
  content: '';
  position: absolute;
  bottom: 0; left: 50%;
  width: 0; height: 2px;
  background: var(--secondary);
  transition: var(--transition);
  transform: translateX(-50%);
}
.navbar .nav-link:hover::after,
.navbar .nav-link.active::after { width: 60%; }
.navbar .nav-link:hover,
.navbar .nav-link.active { color: var(--secondary); }
.navbar-toggler { border-color: var(--secondary); }
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%23D4AF37' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.hero-section {
  position: relative;
  min-height: 100vh;
  background: url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?w=1920&q=80') center/cover no-repeat;
  display: flex;
  align-items: center;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(8,31,77,0.92) 0%, rgba(8,31,77,0.75) 100%);
}
.hero-content { position: relative; z-index: 2; }
.hero-badge {
  display: inline-block;
  background: rgba(212,175,55,0.15);
  border: 1px solid var(--secondary);
  color: var(--secondary);
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 24px;
}
.hero-title {
  font-size: 3.5rem;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 20px;
}
.hero-subtitle {
  color: rgba(255,255,255,0.85);
  font-size: 1.15rem;
  max-width: 600px;
  margin-bottom: 32px;
}
.hero-stats h3 {
  color: var(--secondary);
  font-size: 2.5rem;
  font-family: 'Playfair Display', serif;
}
.hero-stats p { color: rgba(255,255,255,0.7); font-size: 0.875rem; margin: 0; }
.hero-scroll {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
}
.hero-scroll a { color: var(--secondary); font-size: 1.5rem; animation: bounce 2s infinite; }

.about-image-wrap { position: relative; }
.about-img { border-radius: var(--radius); box-shadow: var(--shadow); }
.about-badge {
  position: absolute;
  bottom: -20px;
  right: -10px;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 24px;
}
.about-badge i { font-size: 2rem; color: var(--secondary); }
.about-badge strong { display: block; color: var(--primary); }
.about-badge span { font-size: 0.8rem; color: #6B7280; }
.about-text { font-size: 1.05rem; margin-bottom: 8px; }
.about-card i { font-size: 1.5rem; color: var(--secondary); margin-bottom: 12px; }
.about-card h5 { margin-bottom: 8px; }
.about-card p { font-size: 0.9rem; color: #6B7280; margin: 0; }
.values-list { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
.values-list span {
  background: rgba(212,175,55,0.1);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 500;
}
.values-list span i { color: var(--secondary); margin-right: 6px; }

.service-card { padding: 0; overflow: hidden; }
.service-img-wrap {
  position: relative;
  overflow: hidden;
  height: 220px;
}
.service-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.service-card:hover .service-img-wrap img { transform: scale(1.1); }
.service-overlay {
  position: absolute;
  inset: 0;
  background: rgba(8,31,77,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: var(--transition);
}
.service-overlay i { color: var(--white); font-size: 2rem; }
.service-card:hover .service-overlay { opacity: 1; }
.service-body { padding: 24px; }
.service-body h5 { margin-bottom: 10px; }
.service-body p { font-size: 0.9rem; color: #6B7280; margin-bottom: 16px; }

.insurance-card { padding: 0; overflow: hidden; }
.insurance-card img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.insurance-card:hover img { transform: scale(1.08); }
.insurance-body { padding: 24px; }
.insurance-body h5 { margin-bottom: 10px; }
.insurance-body p { font-size: 0.9rem; color: #6B7280; margin-bottom: 16px; }

.why-card { text-align: center; padding: 32px 24px; }
.why-icon {
  width: 70px; height: 70px;
  background: var(--gold-gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.5rem;
  color: var(--primary);
}
.why-card h5 { margin-bottom: 10px; }
.why-card p { font-size: 0.9rem; color: #6B7280; margin: 0; }

.process-timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.process-timeline::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 12.5%;
  right: 12.5%;
  height: 3px;
  background: var(--gold-gradient);
  z-index: 0;
}
.process-step { text-align: center; position: relative; z-index: 1; }
.process-number {
  width: 50px; height: 50px;
  background: var(--gold-gradient);
  color: var(--primary);
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.1rem;
}
.process-content i { font-size: 1.5rem; color: var(--secondary); margin-bottom: 12px; }
.process-content h5 { margin-bottom: 8px; }
.process-content p { font-size: 0.85rem; color: #6B7280; margin: 0; }

.testimonial-card { padding: 32px; margin: 10px; }
.testimonial-card .stars { color: var(--secondary); margin-bottom: 16px; }
.testimonial-card p { font-style: italic; color: #4B5563; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-author img {
  width: 50px; height: 50px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--secondary);
}
.testimonial-author strong { display: block; color: var(--primary); }
.testimonial-author span { font-size: 0.85rem; color: #9CA3AF; }
.swiper-pagination-bullet-active { background: var(--secondary) !important; }

.faq-accordion .accordion-item {
  margin-bottom: 12px;
  border: none;
  overflow: hidden;
}
.faq-accordion .accordion-button {
  background: transparent;
  font-weight: 600;
  color: var(--primary);
  box-shadow: none;
  padding: 20px 24px;
}
.faq-accordion .accordion-button:not(.collapsed) {
  color: var(--secondary);
  background: transparent;
}
.faq-accordion .accordion-body {
  padding: 0 24px 20px;
  color: #6B7280;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 16px;
  padding: 20px;
}
.contact-item i {
  font-size: 1.25rem;
  color: var(--secondary);
  margin-top: 4px;
}
.contact-item strong { display: block; color: var(--primary); margin-bottom: 4px; }
.contact-item p { margin: 0; color: #6B7280; }
.contact-item a { color: var(--primary); }
.contact-item a:hover { color: var(--secondary); }
.contact-form { padding: 32px; }
.contact-form .form-control,
.contact-form .form-select {
  border: 1px solid #E5E7EB;
  border-radius: 10px;
  padding: 12px 16px;
  transition: var(--transition);
}
.contact-form .form-control:focus,
.contact-form .form-select:focus {
  border-color: var(--secondary);
  box-shadow: 0 0 0 3px rgba(212,175,55,0.15);
}

.map-section iframe { display: block; filter: grayscale(20%); }

.footer {
  background: var(--primary);
  color: rgba(255,255,255,0.8);
  padding: 60px 0 24px;
}
.footer-logo { height: 48px; width: auto; object-fit: contain; }
.footer h5 { color: var(--secondary); margin-bottom: 20px; font-family: 'Inter', sans-serif; font-weight: 600; }
.footer ul { list-style: none; padding: 0; }
.footer ul li { margin-bottom: 10px; }
.footer ul a { color: rgba(255,255,255,0.7); word-break: break-word; }
.footer ul a:hover { color: var(--secondary); }
.footer-contact li { display: flex; align-items: center; gap: 10px; }
.footer-contact i { color: var(--secondary); }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
}
.footer-social a:hover { background: var(--secondary); color: var(--primary); }
.footer hr { border-color: rgba(255,255,255,0.1); margin: 30px 0 20px; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.875rem;
}
.footer-bottom a { color: rgba(255,255,255,0.7); }
.footer-bottom a:hover { color: var(--secondary); }
.footer-bottom span { margin: 0 8px; color: rgba(255,255,255,0.3); }

.float-whatsapp, .float-call {
  position: fixed;
  width: 56px; height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--white);
  z-index: 999;
  box-shadow: 0 4px 20px rgba(0,0,0,0.2);
  transition: var(--transition);
}
.float-whatsapp {
  bottom: 100px;
  right: 24px;
  background: #25D366;
}
.float-call {
  bottom: 170px;
  right: 24px;
  background: var(--primary);
}
.float-whatsapp:hover, .float-call:hover {
  transform: scale(1.1);
  color: var(--white);
}
.scroll-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 48px; height: 48px;
  background: var(--gold-gradient);
  border: none;
  border-radius: 50%;
  color: var(--primary);
  font-size: 1.1rem;
  cursor: pointer;
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(212,175,55,0.4);
}
.scroll-top.visible { opacity: 1; visibility: visible; }
.scroll-top:hover { transform: translateY(-3px); }

.page-hero {
  background: var(--primary);
  padding: 140px 0 60px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.7); max-width: 600px; margin: 0 auto; }
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.5rem; margin: 32px 0 12px; }
.legal-content p, .legal-content li { color: #6B7280; margin-bottom: 12px; }
.legal-content ul { padding-left: 24px; }

.error-page {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--primary);
  text-align: center;
  padding: 40px 20px;
}
.error-content h1 { font-size: 8rem; color: var(--secondary); line-height: 1; }
.error-content h2 { color: var(--white); margin: 16px 0; }
.error-content p { color: rgba(255,255,255,0.7); margin-bottom: 32px; }