:root{--color-brand:#0145aa;--color-brand-dark:#013a8e;--color-brand-darker:#012a66;--color-hooker:#941100;--color-accent:#1418a3;--color-bg:#fefefe;--color-surface:#ffffff;--color-text:#1a1f2e;--color-muted:#5a6478;--color-border:#e3e6ec;--color-soft:#f5f7fb;--color-header:rgb(4, 58, 174);--color-header-scrolled:rgba(8, 61, 176, 0.95);--color-header-cta:#0e007c;--color-header-cta-hover:#8a1000;--font-sans:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;--font-display:var(--font-sans);--fs-xs:0.8125rem;--fs-sm:0.9375rem;--fs-base:1rem;--fs-md:1.125rem;--fs-lg:1.375rem;--fs-xl:1.875rem;--fs-2xl:2.5rem;--fs-3xl:3.25rem;--radius-sm:4px;--radius-md:8px;--radius-lg:14px;--shadow-sm:0 1px 2px rgba(13, 30, 60, 0.06);--shadow-md:0 6px 18px rgba(13, 30, 60, 0.08);--container:1180px;--space-1:0.5rem;--space-2:1rem;--space-3:1.5rem;--space-4:2rem;--space-5:3rem;--space-6:4.5rem}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;font-family:var(--font-sans);font-size:var(--fs-base);line-height:1.6;color:var(--color-text);background:var(--color-bg);-webkit-font-smoothing:antialiased}img,picture,video,svg{max-width:100%;height:auto;display:block}a{color:var(--color-brand);text-decoration:none;transition:color 0.15s ease}a:hover,a:focus{color:var(--color-brand-dark);text-decoration:underline}h1,h2,h3,h4{font-family:var(--font-display);line-height:1.2;margin:0 0 var(--space-2);color:var(--color-text)}h1{font-size:var(--fs-2xl)}h2{font-size:var(--fs-xl)}h3{font-size:var(--fs-lg)}p{margin:0 0 var(--space-2)}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 var(--space-2)}.section{padding:var(--space-5) 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a:hover{color:#fff}.nav__link--active{color:#fff!important;font-weight:600;pointer-events:none;cursor:default}.nav__link--active::after{content:"";position:absolute;left:50%;bottom:-4px;width:100%;height:2px;background:var(--color-accent);transform:translateX(-50%) scaleX(0);transform-origin:center;animation:nav-underline 0.35s ease forwards}@keyframes nav-underline{to{transform:translateX(-50%) scaleX(1)}}.site-header__cta{display:none;background:var(--color-header-cta);color:#fff;padding:.6rem 1.1rem;border-radius:4px;font-weight:600;text-decoration:none;transition:transform 0.15s ease,background-color 0.2s ease}.site-header__cta:hover{background:var(--color-header-cta-hover);color:#fff;transform:translateY(-1px);text-decoration:none}.site-header__cta--block{display:block;text-align:center;margin-top:var(--space-2)}.site-header__toggle{display:inline-flex;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:40px;height:40px;background:#fff0;border:0;cursor:pointer;padding:0}.site-header__toggle-bar{display:block;width:22px;height:2px;background:#fff;transition:transform 0.2s ease,opacity 0.2s ease}.site-header__toggle.is-open .site-header__toggle-bar:nth-child(1){transform:translateY(7px) rotate(45deg)}.site-header__toggle.is-open .site-header__toggle-bar:nth-child(2){opacity:0}.site-header__toggle.is-open .site-header__toggle-bar:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.site-header__drawer{position:absolute;left:0;right:0;top:100%;background:var(--color-brand);padding:var(--space-2);box-shadow:0 8px 24px rgb(0 0 0 / 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0 / .2)}.btn:active{transform:translateY(1px);box-shadow:inset 0 3px 6px rgb(0 0 0 / .25)}.btn--primary{background:var(--color-brand);color:#fff}.btn--primary:hover,.btn--primary:focus{background:var(--color-brand-dark);color:#fff}.btn--accent{background:var(--color-accent);color:#fff}.btn--accent:hover{background:#1c0a79;color:#fff}.btn--hooker{background:var(--color-hooker);color:#fff}.btn--hooker:hover{background:#ab1401;color:#fff}.btn--ghost{background:#fff0;color:var(--color-brand);border-color:var(--color-brand)}.btn--ghost:hover{background:var(--color-brand);color:#fff}.btn--block{display:block;width:100%}.btn--large{padding:1rem 1.75rem;font-size:var(--fs-md)}.btn--outline-light{background:#fff0;color:#fff;border:2px solid rgb(255 255 255 / .85)}.btn--outline-light:hover{background:#fff;color:var(--color-brand-darker)}.hero{background:linear-gradient(135deg,var(--color-brand) 0%,var(--color-brand-darker) 100%);color:#fff;padding:var(--space-6) 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0;background:var(--color-soft);border-top:1px solid var(--color-border);border-bottom:1px solid var(--color-border)}.problem__inner{display:grid;gap:var(--space-4);align-items:center}.problem__eyebrow{margin:0 0 var(--space-1);font-size:var(--fs-sm);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--color-brand)}.problem__title{margin:0 0 var(--space-2);font-size:var(--fs-xl);line-height:1.2;color:var(--color-text)}.problem__lead{margin:0 0 var(--space-3);color:var(--color-muted);font-size:var(--fs-md);line-height:1.65}.problem__highlights{list-style:none;margin:0 0 var(--space-3);padding:0;display:grid;gap:var(--space-1)}.problem__highlight{display:flex;align-items:flex-start;gap:.65rem;color:var(--color-text);font-weight:500}.problem__highlight 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60%);pointer-events:none}.cta__bg-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;z-index:0;display:block}.cta__overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(180deg,rgb(1 20 60 / .92) 0%,rgb(0 50 180 / .78) 45%,rgb(1 69 170 / .55) 70%,rgb(254 254 254 / .85) 100%);pointer-events:none}.cta--has-image::before{z-index:2}.cta__inner{display:grid;gap:var(--space-3);align-items:center;text-align:center;position:relative}.cta--has-image .cta__inner{z-index:3}.cta__title{margin:0 0 var(--space-1);color:#fff}.cta__lead{margin:0;color:rgb(255 255 255 / .8)}.features{display:grid;gap:var(--space-3)}.feature{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:var(--space-3);box-shadow:var(--shadow-sm)}.feature__title{color:var(--color-brand);margin:0 0 var(--space-1)}.page-header{margin-bottom:var(--space-3)}.page-content__body p{max-width:70ch}.page-hero{position:relative;background-color:var(--color-brand-darker);padding:var(--space-6) 0 var(--space-5);text-align:center;overflow:hidden}.page-hero__bg-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;z-index:0;display:block}.page-hero__overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(135deg,var(--color-brand-darker) 0%,var(--color-brand) 100%)}.page-hero--has-image{min-height:clamp(240px, 20vw, 380px);display:flex;align-items:center}.page-hero--has-image .page-hero__overlay{background:linear-gradient(135deg,rgb(1 30 80 / .85) 0%,rgb(0 56 189 / .65) 100%)}.page-hero__inner{position:relative;z-index:2}.page-hero__title{color:#fff;font-size:var(--fs-2xl);font-weight:800;margin-bottom:var(--space-2);letter-spacing:-.02em}.page-hero__desc{color:rgb(255 255 255 / .82);max-width:60ch;margin-inline:auto;font-size:var(--fs-md);line-height:1.7}.page-hero__desc p:last-child{margin-bottom:0}@media (max-width:767px){.page-hero{padding:var(--space-4) 0 var(--space-3)}.page-hero__title{font-size:var(--fs-xl)}.page-hero__desc{font-size:var(--fs-sm)}}.faq-section{background:var(--color-soft);padding:var(--space-6) 0;scroll-margin-top:80px}.faq-section__header{max-width:800px;margin:0 auto var(--space-4);text-align:center}.faq-section__title{margin:0 0 var(--space-1);font-size:var(--fs-xl)}.faq-section__subtitle{margin:0;color:var(--color-muted);font-size:var(--fs-md)}.faq-list{display:grid;gap:var(--space-2);max-width:800px;margin-inline:auto}@keyframes faqFadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}.faq-item{background:var(--color-surface);border-radius:var(--radius-lg);border:1px solid var(--color-border);border-left:4px solid var(--color-brand);box-shadow:var(--shadow-sm);overflow:hidden;opacity:0;animation:faqFadeUp 0.45s ease both;transition:box-shadow 0.2s ease,border-left-color 0.2s ease}.faq-item:hover{box-shadow:var(--shadow-md)}.faq-item[open]{border-left-color:var(--color-hooker);box-shadow:var(--shadow-md)}.faq-item:nth-child(1){animation-delay:0.08s}.faq-item:nth-child(2){animation-delay:0.15s}.faq-item:nth-child(3){animation-delay:0.22s}.faq-item:nth-child(4){animation-delay:0.29s}.faq-item:nth-child(5){animation-delay:0.36s}.faq-item:nth-child(6){animation-delay:0.43s}.faq-item:nth-child(7){animation-delay:0.50s}.faq-item:nth-child(8){animation-delay:0.57s}.faq-item:nth-child(9){animation-delay:0.64s}.faq-item:nth-child(10){animation-delay:0.71s}.faq-item__summary{display:flex;justify-content:space-between;align-items:center;gap:var(--space-3);cursor:pointer;padding:var(--space-3);list-style:none;user-select:none}.faq-item__summary::-webkit-details-marker{display:none}.faq-item__summary:focus-visible{outline:2px solid var(--color-brand);outline-offset:-2px;border-radius:var(--radius-md)}.faq-item__question{font-size:var(--fs-lg);font-weight:700;color:var(--color-text);line-height:1.3;flex:1;transition:color 0.2s ease}.faq-item[open] .faq-item__question{color:var(--color-brand)}.faq-item__chevron{flex-shrink:0;width:22px;height:22px;color:var(--color-muted);transition:transform 0.3s ease,color 0.2s ease}.faq-item[open] .faq-item__chevron{transform:rotate(180deg);color:var(--color-brand)}.faq-item__body{padding:0 var(--space-3) var(--space-3);color:var(--color-muted);font-size:var(--fs-base);line-height:1.75;border-top:1px solid var(--color-border)}.faq-item__body p:last-child{margin-bottom:0}@keyframes faqBodyReveal{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}.faq-item[open] .faq-item__body{animation:faqBodyReveal 0.28s ease}@media (prefers-reduced-motion:reduce){.faq-item{animation:none;opacity:1}.faq-item__chevron{transition:none}.faq-item[open] .faq-item__body{animation:none}}.form-siniestro{display:grid;gap:var(--space-4);max-width:760px;margin:0 auto;padding:clamp(1.75rem, 3vw, 2.75rem);background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);border:1px solid rgb(1 69 170 / .08);border-radius:24px;box-shadow:0 20px 60px rgb(1 42 102 / .08),0 4px 14px rgb(1 42 102 / .04)}.form-siniestro__group{display:grid;gap:var(--space-2);padding:var(--space-3);background:rgb(236 238 240 / .568);border:1px solid rgb(1 69 170 / .06);border-radius:18px}.form-siniestro__row{display:grid;gap:var(--space-2)}.form-field{display:grid;gap:.45rem}.form-field label{font-weight:600;font-size:var(--fs-sm);color:var(--color-brand-darker);letter-spacing:.01em}.form-field input,.form-field select,.form-field textarea,.contact-form__field input,.contact-form__field textarea{width:100%;padding:.9rem 1rem;font:inherit;color:var(--color-text);background:#fff;border:1px solid rgb(1 69 170 / .12);border-radius:14px;box-shadow:0 1px 2px rgb(13 30 60 / .03);transition:border-color 0.2s ease,box-shadow 0.2s ease,transform 0.15s ease,background 0.2s ease}.form-field input::placeholder,.form-field textarea::placeholder{color:#8b95a7}.form-field input[type="checkbox"]{width:auto;padding:0;border-radius:3px;box-shadow:none;transform:none;flex-shrink:0}.form-field label:has(input[type="checkbox"]){display:flex;align-items:center;gap:.5rem;font-weight:500;cursor:pointer}.form-field select option{background:#fff;color:var(--color-text)}.form-field input:focus,.form-field select:focus,.form-field textarea:focus,.contact-form__field input:focus,.contact-form__field textarea:focus{outline:none;background:#fff;border-color:rgb(1 69 170 / .35);box-shadow:0 0 0 4px rgb(1 69 170 / .1),0 10px 24px rgb(1 69 170 / .08);transform:translateY(-1px)}.form-field--error input,.form-field--error select,.form-field--error 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