:root {
  --navy: #101a2e;
  --navy-2: #15233d;
  --navy-3: #22334f;
  --gold: #d6ad2c;
  --gold-2: #c79b18;
  --gold-3: #fff2c7;
  --text: #0f172a;
  --muted: #5c6a7c;
  --line: #dce4ef;
  --bg: #ffffff;
  --soft: #f4f7fb;
  --soft-2: #edf2f8;
  --success: #21a366;
  --shadow: 0 24px 70px rgba(16, 26, 46, .14);
  --shadow-soft: 0 16px 42px rgba(16, 26, 46, .10);
  --radius: 24px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
}
body.menu-open,
body.modal-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
a { color: inherit; }
[hidden] { display: none !important; }

.container {
  width: min(var(--container), calc(100% - 40px));
  margin-inline: auto;
}

.navbar {
  position: fixed;
  inset: 0 0 auto;
  z-index: 1000;
  height: 80px;
  transition: background .25s ease, box-shadow .25s ease, border-color .25s ease;
  border-bottom: 1px solid transparent;
}
.navbar.scrolled,
.navbar.menu-open {
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(18px);
  box-shadow: 0 10px 34px rgba(15, 23, 42, .08);
  border-color: rgba(214, 173, 44, .22);
}
.nav-inner {
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}
.brand {
  appearance: none;
  border: 0;
  background: transparent;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 0;
  text-align: left;
  color: white;
  min-width: 0;
}
.navbar.scrolled .brand,
.navbar.menu-open .brand { color: var(--navy); }
.brand-mark {
  width: 48px;
  height: 48px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  display: grid;
  place-items: center;
  box-shadow: 0 12px 28px rgba(16,26,46,.25);
  flex: 0 0 auto;
}
.brand-mark svg { width: 28px; height: 28px; fill: var(--gold); }
.brand-copy { display: grid; gap: 2px; min-width: 0; }
.brand-copy strong {
  font-weight: 900;
  font-size: clamp(.9rem, 1.5vw, 1.12rem);
  line-height: 1.1;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.brand-copy small {
  font-weight: 900;
  letter-spacing: .24em;
  color: var(--gold-3);
  font-size: .72rem;
}
.navbar.scrolled .brand-copy small,
.navbar.menu-open .brand-copy small { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 7px;
}
.nav-links button {
  appearance: none;
  border: 0;
  background: transparent;
  color: white;
  padding: 10px 12px;
  border-radius: 999px;
  font-weight: 800;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .04em;
  transition: color .2s ease, background .2s ease, transform .2s ease;
}
.nav-links button:hover { background: rgba(255,255,255,.12); color: var(--gold-3); transform: translateY(-1px); }
.navbar.scrolled .nav-links button,
.navbar.menu-open .nav-links button { color: var(--navy); }
.navbar.scrolled .nav-links button:hover,
.navbar.menu-open .nav-links button:hover { background: rgba(214,173,44,.12); color: var(--gold-2); }
.nav-links .btn { color: var(--navy) !important; }

.nav-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(255,255,255,.32);
  background: rgba(255,255,255,.10);
  border-radius: 14px;
  padding: 11px;
  gap: 5px;
  flex-direction: column;
  justify-content: center;
}
.navbar.scrolled .nav-toggle,
.navbar.menu-open .nav-toggle { border-color: var(--line); background: white; }
.nav-toggle span {
  height: 2px;
  width: 100%;
  border-radius: 2px;
  background: white;
  transition: .25s ease;
}
.navbar.scrolled .nav-toggle span,
.navbar.menu-open .nav-toggle span { background: var(--navy); }
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 13px 22px;
  border-radius: 16px;
  border: 0;
  text-decoration: none;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .035em;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn svg { width: 21px; height: 21px; fill: currentColor; }
.btn-gold {
  background: linear-gradient(135deg, #e4bf43, var(--gold-2));
  color: var(--navy);
  box-shadow: 0 16px 38px rgba(214, 173, 44, .28);
}
.btn-gold:hover { box-shadow: 0 20px 48px rgba(214, 173, 44, .38); }
.btn-outline-light {
  background: rgba(255,255,255,.08);
  color: white;
  border: 1.5px solid rgba(255,255,255,.55);
  backdrop-filter: blur(12px);
}
.btn-outline-light:hover { background: white; color: var(--navy); }
.btn-small { min-height: 42px; padding: 10px 16px !important; font-size: .8rem !important; }
.btn-xl { min-height: 62px; padding: 18px 30px; font-size: .95rem; }
.btn-full { width: 100%; }

.hero {
  min-height: 100svh;
  position: relative;
  isolation: isolate;
  display: grid;
  place-items: center;
  padding: 128px 0 70px;
  color: white;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: -3;
  background:
    linear-gradient(135deg, rgba(16,26,46,.96), rgba(16,26,46,.82) 54%, rgba(214,173,44,.62)),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=1800&auto=format&fit=crop') center/cover;
  transform: scale(1.02);
}
.hero-pattern,
.footer-pattern {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: -1;
  opacity: .13;
  background-image: radial-gradient(circle at 2px 2px, rgba(255,255,255,.9) 1px, transparent 0);
  background-size: 38px 38px;
}
.hero::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: -190px;
  width: min(920px, 92vw);
  height: 360px;
  border-radius: 999px;
  background: rgba(214,173,44,.20);
  filter: blur(70px);
  transform: translateX(-50%);
  z-index: -2;
}
.hero-content { text-align: center; max-width: 980px; }
.hero-badge,
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  border-radius: 999px;
  background: rgba(214,173,44,.14);
  color: var(--gold-2);
  font-weight: 900;
  text-transform: uppercase;
  font-size: .78rem;
  letter-spacing: .12em;
}
.hero-badge { color: var(--gold-3); border: 1px solid rgba(214,173,44,.35); background: rgba(255,255,255,.08); }
.hero h1 {
  margin: 26px auto 22px;
  font-size: clamp(2.7rem, 8vw, 6.8rem);
  line-height: .92;
  letter-spacing: -.065em;
  text-transform: uppercase;
  text-wrap: balance;
  text-shadow: 0 10px 32px rgba(0,0,0,.35);
}
.hero h1 span { display: block; color: var(--gold); }
.hero p {
  margin: 0 auto;
  max-width: 780px;
  color: rgba(255,255,255,.86);
  font-size: clamp(1rem, 2.2vw, 1.35rem);
  line-height: 1.72;
  font-weight: 550;
}
.hero-actions {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 34px;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 48px;
}
.glass-stat {
  padding: 24px 18px;
  border-radius: 22px;
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  backdrop-filter: blur(14px);
  box-shadow: 0 20px 50px rgba(0,0,0,.16);
}
.glass-stat span { display: block; font-size: clamp(1.8rem, 4vw, 2.7rem); font-weight: 950; color: var(--gold); line-height: 1; }
.glass-stat small { display: block; margin-top: 10px; color: rgba(255,255,255,.80); font-weight: 750; }

.quick-strip {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background:
    radial-gradient(circle at 10% 0%, rgba(214,173,44,.25), transparent 32%),
    radial-gradient(circle at 90% 100%, rgba(16,26,46,.14), transparent 35%),
    linear-gradient(180deg, #fffdf5 0%, #f5f8fc 100%);
  border-top: 4px solid var(--gold);
  border-bottom: 1px solid rgba(220,228,239,.9);
}
.quick-strip::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: -1;
  opacity: .55;
  background-image:
    linear-gradient(90deg, rgba(16,26,46,.035) 1px, transparent 1px),
    linear-gradient(rgba(16,26,46,.035) 1px, transparent 1px);
  background-size: 34px 34px;
  mask-image: linear-gradient(90deg, transparent, #000 16%, #000 84%, transparent);
}
.quick-strip::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -1px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(214,173,44,.85), transparent);
  animation: scanLine 4.2s ease-in-out infinite;
}
.quick-glow {
  position: absolute;
  width: 250px;
  height: 250px;
  border-radius: 999px;
  pointer-events: none;
  filter: blur(18px);
  z-index: -1;
  opacity: .42;
}
.quick-glow-one { left: -110px; top: -140px; background: rgba(214,173,44,.45); animation: floatGlow 9s ease-in-out infinite; }
.quick-glow-two { right: -120px; bottom: -150px; background: rgba(16,26,46,.20); animation: floatGlow 10s ease-in-out infinite reverse; }
.quick-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
  padding: clamp(24px, 4vw, 36px) 0;
}
.quick-card {
  appearance: none;
  border: 1px solid rgba(214,173,44,.23);
  position: relative;
  overflow: hidden;
  padding: clamp(18px, 2.6vw, 24px);
  min-height: 132px;
  border-radius: 28px;
  background:
    linear-gradient(135deg, rgba(255,255,255,.96), rgba(255,255,255,.78)),
    linear-gradient(135deg, rgba(214,173,44,.24), rgba(16,26,46,.08));
  box-shadow: 0 18px 46px rgba(16, 26, 46, .10);
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 16px;
  text-align: left;
  color: var(--navy);
  cursor: pointer;
  transition: transform .32s cubic-bezier(.2,.8,.2,1), box-shadow .32s ease, border-color .32s ease, background .32s ease;
}
.quick-card::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(120deg, transparent 0%, rgba(255,255,255,.75) 32%, transparent 62%);
  transform: translateX(-120%) skewX(-14deg);
  transition: transform .72s ease;
}
.quick-card::after {
  content: "";
  position: absolute;
  inset: auto 18px 14px 18px;
  height: 4px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), rgba(37,211,102,.88), var(--navy));
  transform: scaleX(.18);
  transform-origin: left;
  opacity: .75;
  transition: transform .32s ease, opacity .32s ease;
}
.quick-card:hover {
  transform: translateY(-8px) scale(1.012);
  box-shadow: 0 26px 70px rgba(16, 26, 46, .17);
  border-color: rgba(214,173,44,.52);
  background:
    linear-gradient(135deg, #ffffff, #fff8df),
    linear-gradient(135deg, rgba(214,173,44,.28), rgba(16,26,46,.10));
}
.quick-card:hover::before { transform: translateX(120%) skewX(-14deg); }
.quick-card:hover::after { transform: scaleX(1); opacity: 1; }
.quick-icon {
  width: clamp(58px, 6vw, 68px);
  height: clamp(58px, 6vw, 68px);
  border-radius: 22px;
  display: grid;
  place-items: center;
  position: relative;
  background: linear-gradient(135deg, var(--navy), #22334f);
  color: var(--gold);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.15), 0 18px 34px rgba(16,26,46,.20);
  flex: 0 0 auto;
}
.quick-icon::before {
  content: "";
  position: absolute;
  inset: -6px;
  border-radius: inherit;
  border: 1px solid rgba(214,173,44,.38);
  animation: iconRing 2.8s ease-in-out infinite;
}
.quick-icon i { font-size: clamp(1.35rem, 2.4vw, 1.65rem); }
.quick-copy { min-width: 0; display: grid; gap: 7px; }
.quick-copy strong {
  color: var(--navy);
  font-size: clamp(1.12rem, 2.1vw, 1.38rem);
  line-height: 1.05;
  font-weight: 950;
  letter-spacing: -.025em;
}
.quick-copy small {
  color: var(--muted);
  line-height: 1.48;
  font-size: .96rem;
  font-weight: 650;
}
.quick-cta {
  width: 38px;
  height: 38px;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: rgba(214,173,44,.16);
  color: var(--gold-2);
  transform: translateX(-2px);
  transition: transform .32s ease, background .32s ease, color .32s ease;
}
.quick-card:hover .quick-icon { animation: softBounce .72s ease; }
.quick-card:hover .quick-cta { transform: translateX(4px); background: var(--gold); color: var(--navy); }
.quick-grid.reveal .quick-card { opacity: 0; transform: translateY(24px) scale(.98); }
.quick-grid.reveal.in-view .quick-card {
  animation: cardRise .72s cubic-bezier(.2,.8,.2,1) forwards;
  animation-delay: calc(var(--i, 0) * 115ms);
}

.section { padding: clamp(64px, 9vw, 112px) 0; }
.section-gray { background: linear-gradient(180deg, var(--soft), var(--soft-2)); }
.section-navy {
  background:
    radial-gradient(circle at top left, rgba(214,173,44,.20), transparent 36%),
    linear-gradient(135deg, var(--navy), #0b1220);
  color: white;
}
.section-heading { max-width: 820px; margin: 0 auto 46px; text-align: center; }
.section-heading h2,
.split-heading h2,
.about-copy h2,
.quote-copy h2,
.contact-info h2 {
  margin: 16px 0;
  font-size: clamp(2.05rem, 5vw, 4.2rem);
  line-height: 1.02;
  letter-spacing: -.052em;
  color: var(--navy);
  text-wrap: balance;
}
.section-navy h2, .section-navy .eyebrow, .contact-section h2 { color: white; }
.section-heading p,
.split-heading p,
.quote-copy p,
.contact-info p {
  margin: 0;
  color: var(--muted);
  font-size: clamp(1rem, 2vw, 1.15rem);
  line-height: 1.75;
}
.section-navy p, .contact-section p { color: rgba(255,255,255,.78); }
.eyebrow-gold { color: var(--gold-3); border: 1px solid rgba(214,173,44,.25); }

.about-layout {
  display: grid;
  grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr);
  gap: clamp(36px, 7vw, 76px);
  align-items: center;
}
.about-media { position: relative; }
.image-card {
  border-radius: 32px;
  overflow: hidden;
  border: 5px solid var(--gold);
  box-shadow: var(--shadow);
  transform: rotate(-1deg);
}
.image-card img { width: 100%; min-height: 420px; object-fit: cover; }
.floating-card {
  position: absolute;
  right: -14px;
  bottom: 28px;
  width: min(300px, 78%);
  padding: 20px;
  border-radius: 22px;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(14px);
  box-shadow: var(--shadow);
  border: 1px solid rgba(214,173,44,.36);
  display: grid;
  gap: 5px;
}
.floating-card strong { color: var(--gold-2); font-size: 1.4rem; }
.floating-card span { color: var(--muted); line-height: 1.5; }
.rich-text { display: grid; gap: 16px; }
.rich-text p { margin: 0; color: var(--muted); line-height: 1.82; font-size: 1.04rem; }
.rich-text strong { color: var(--navy); font-weight: 900; }

.vmv-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}
.vmv-card, .values-grid article, .bond-card, .form-card, .contact-form {
  background: white;
  border: 1px solid rgba(220,228,239,.9);
  box-shadow: var(--shadow-soft);
  border-radius: var(--radius);
}
.vmv-card { padding: clamp(24px, 4vw, 34px); position: relative; overflow: hidden; }
.vmv-card::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 7px;
  background: linear-gradient(var(--navy), var(--gold));
}
.vmv-icon { font-size: 2.2rem; display: block; margin-bottom: 16px; }
.vmv-card h3,
.bond-card h3 { margin: 0 0 12px; font-size: 1.35rem; color: var(--navy); }
.vmv-card p { margin: 0; line-height: 1.75; color: var(--muted); }
.values-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  margin-top: 22px;
}
.values-grid article { padding: 22px; min-height: 150px; display: grid; align-content: start; gap: 10px; }
.values-grid strong { color: var(--navy); font-size: 1.05rem; }
.values-grid span { color: var(--muted); line-height: 1.55; font-size: .94rem; }

.split-heading {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, .72fr);
  gap: 36px;
  align-items: end;
  margin-bottom: 38px;
}
.bond-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.bond-card {
  padding: 24px;
  position: relative;
  overflow: hidden;
  transition: transform .2s ease, box-shadow .2s ease;
}
.bond-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.bond-card.featured { grid-row: span 2; background: linear-gradient(135deg, white, #fff9e8); border-color: rgba(214,173,44,.50); }
.card-top { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.card-top span {
  width: 44px;
  height: 44px;
  flex: 0 0 auto;
  border-radius: 14px;
  background: var(--navy);
  color: var(--gold);
  display: grid;
  place-items: center;
  font-weight: 950;
}
.bond-card ul { margin: 0; padding-left: 20px; color: var(--muted); line-height: 1.72; }
.bond-card li + li { margin-top: 6px; }

.two-panels {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}
.dark-panel, .gold-panel {
  border-radius: 32px;
  padding: clamp(28px, 5vw, 44px);
  box-shadow: var(--shadow);
}
.dark-panel { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.13); }
.gold-panel { background: linear-gradient(135deg, #fff5cf, var(--gold)); color: var(--navy); }
.dark-panel h2, .gold-panel h2 { margin: 16px 0; font-size: clamp(1.75rem, 4vw, 3rem); line-height: 1.04; letter-spacing: -.04em; }
.dark-panel p, .gold-panel p { line-height: 1.78; margin: 0 0 14px; }
.dark-panel p { color: rgba(255,255,255,.80); }
.gold-panel p { color: rgba(16,26,46,.78); }
.gold-panel .eyebrow { background: rgba(16,26,46,.10); color: var(--navy); }

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.insurance-grid article {
  background: white;
  border-radius: 24px;
  padding: 26px 20px;
  min-height: 150px;
  display: grid;
  place-items: center;
  text-align: center;
  gap: 12px;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(220,228,239,.9);
  transition: transform .2s ease, box-shadow .2s ease;
}
.insurance-grid article:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.insurance-grid span { font-size: 2.15rem; }
.insurance-grid strong { font-size: 1.08rem; color: var(--navy); }

.quote-section {
  background:
    linear-gradient(90deg, rgba(16,26,46,.03) 1px, transparent 1px),
    linear-gradient(rgba(16,26,46,.03) 1px, transparent 1px),
    white;
  background-size: 36px 36px;
}
.quote-layout,
.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, .82fr) minmax(0, 1.18fr);
  gap: clamp(28px, 6vw, 58px);
  align-items: start;
}
.quote-copy { position: sticky; top: 108px; }
.quote-note {
  margin-top: 24px;
  padding: 22px;
  border-radius: 22px;
  background: var(--navy);
  color: white;
  display: grid;
  gap: 8px;
  box-shadow: var(--shadow);
}
.quote-note span { color: rgba(255,255,255,.76); line-height: 1.55; }
.inline-whatsapp {
  color: var(--gold-3);
  font-weight: 900;
  text-decoration: none;
}

.form-card, .contact-form { padding: clamp(22px, 4vw, 34px); }
.form-header {
  display: flex;
  gap: 14px;
  align-items: center;
  padding-bottom: 20px;
  margin-bottom: 22px;
  border-bottom: 1px solid var(--line);
}
.form-header > span {
  width: 54px;
  height: 54px;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  flex: 0 0 auto;
}
.form-header h3 { margin: 0; color: var(--navy); font-size: 1.3rem; }
.form-header p { margin: 4px 0 0; color: var(--muted); }
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
label, .full-label {
  display: grid;
  gap: 8px;
  color: var(--navy);
  font-weight: 850;
  font-size: .88rem;
  text-transform: uppercase;
  letter-spacing: .035em;
}
input, select, textarea {
  width: 100%;
  border: 2px solid var(--line);
  background: #fdfefe;
  color: var(--text);
  border-radius: 16px;
  padding: 14px 15px;
  outline: none;
  min-height: 52px;
  transition: border-color .2s ease, box-shadow .2s ease, background .2s ease;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 650;
}
textarea { min-height: 118px; resize: vertical; line-height: 1.55; }
input:focus, select:focus, textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 5px rgba(214,173,44,.16);
  background: white;
}
.full-label { margin-top: 16px; }
.calc-box {
  margin: 18px 0;
  padding: 18px;
  border-radius: 20px;
  background: linear-gradient(135deg, rgba(16,26,46,.95), rgba(34,51,79,.95));
  color: white;
  display: grid;
  gap: 6px;
}
.calc-box span { color: var(--gold-3); font-size: .8rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.calc-box strong { font-size: clamp(1.25rem, 3vw, 1.8rem); }
.calc-box small { color: rgba(255,255,255,.70); line-height: 1.45; }
.form-helper { display: block; margin-top: 12px; color: var(--muted); line-height: 1.5; }

.contact-section {
  background:
    radial-gradient(circle at 20% 15%, rgba(214,173,44,.23), transparent 35%),
    linear-gradient(135deg, var(--navy), #0a1020);
  color: white;
}
.contact-layout { grid-template-columns: minmax(0, 1fr) minmax(320px, .9fr); align-items: center; }
.director-card {
  margin: 28px 0;
  padding: 22px;
  border-radius: 24px;
  background: rgba(255,255,255,.09);
  border: 1px solid rgba(255,255,255,.15);
  display: flex;
  gap: 16px;
  align-items: center;
}
.director-avatar {
  width: 64px;
  height: 64px;
  border-radius: 20px;
  background: var(--gold);
  color: var(--navy);
  display: grid;
  place-items: center;
  font-weight: 950;
  flex: 0 0 auto;
}
.director-card div:last-child { display: grid; gap: 5px; min-width: 0; }
.director-card span { color: var(--gold-3); font-weight: 800; }
.director-card strong { font-size: 1.1rem; }
.director-card a { color: rgba(255,255,255,.86); text-decoration: none; overflow-wrap: anywhere; }
.contact-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.contact-form { background: white; color: var(--text); }
.contact-form label + label { margin-top: 14px; }

.footer {
  position: relative;
  isolation: isolate;
  background: #08101f;
  color: white;
  overflow: hidden;
}
.footer-grid {
  padding: 58px 0 34px;
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(220px, .8fr) minmax(260px, .9fr);
  gap: 34px;
}
.footer .brand { color: white; pointer-events: none; }
.footer p { color: rgba(255,255,255,.72); line-height: 1.7; max-width: 480px; }
.footer h3 { color: var(--gold); margin: 0 0 16px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; color: rgba(255,255,255,.72); }
.footer a { color: rgba(255,255,255,.78); text-decoration: none; }
.footer a:hover { color: var(--gold-3); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.10);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  gap: 14px;
  color: rgba(255,255,255,.56);
  font-size: .9rem;
}

.chat-fab {
  position: fixed;
  right: clamp(16px, 3vw, 28px);
  bottom: clamp(16px, 3vw, 28px);
  z-index: 1100;
  width: 64px;
  height: 64px;
  border: 0;
  border-radius: 999px;
  background: linear-gradient(135deg, #27d468, #1da851);
  color: white;
  box-shadow: 0 20px 44px rgba(33,163,102,.34);
  display: grid;
  place-items: center;
  transition: transform .2s ease, box-shadow .2s ease;
}
.chat-fab:hover { transform: translateY(-3px) scale(1.04); box-shadow: 0 24px 54px rgba(33,163,102,.42); }
.chat-fab span { font-size: 1.8rem; }
.chat-fab small {
  position: absolute;
  top: -4px;
  right: -4px;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: #ef4444;
  color: white;
  display: grid;
  place-items: center;
  border: 2px solid white;
  font-weight: 900;
}
.chat-window {
  position: fixed;
  right: clamp(16px, 3vw, 28px);
  bottom: calc(clamp(16px, 3vw, 28px) + 78px);
  z-index: 1101;
  width: min(390px, calc(100vw - 32px));
  height: min(610px, calc(100svh - 120px));
  background: white;
  color: var(--text);
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 28px 85px rgba(0,0,0,.24);
  border: 4px solid var(--gold);
  display: grid;
  grid-template-rows: auto 1fr;
}
.chat-header {
  background: var(--navy);
  color: white;
  padding: 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}
.chat-header div { display: grid; gap: 2px; }
.chat-header span { color: var(--gold-3); font-size: .82rem; }
.chat-header button {
  width: 40px;
  height: 40px;
  border: 0;
  border-radius: 12px;
  background: rgba(255,255,255,.10);
  color: white;
  font-size: 1.6rem;
}
.chat-start {
  padding: 22px;
  overflow: auto;
  display: grid;
  align-content: center;
  gap: 14px;
  background: linear-gradient(180deg, #f8fafc, #fffdf5);
}
.chat-avatar {
  width: 72px;
  height: 72px;
  margin-inline: auto;
  display: grid;
  place-items: center;
  border-radius: 999px;
  background: var(--gold);
  font-size: 2rem;
}
.chat-start h3 { margin: 0; text-align: center; font-size: 1.55rem; color: var(--navy); }
.chat-start p { margin: 0 0 4px; text-align: center; color: var(--muted); line-height: 1.5; }
.chat-body { min-height: 0; display: grid; grid-template-rows: 1fr auto; background: #f8fafc; }
.chat-messages { overflow: auto; padding: 16px; display: flex; flex-direction: column; gap: 12px; }
.chat-message { max-width: 84%; padding: 11px 13px; border-radius: 16px; line-height: 1.45; font-size: .93rem; }
.chat-message.agent { align-self: flex-start; background: white; border: 1px solid var(--line); color: var(--text); border-bottom-left-radius: 4px; }
.chat-message.user { align-self: flex-end; background: var(--navy); color: white; border-bottom-right-radius: 4px; }
.chat-message small { display: block; margin-top: 4px; opacity: .64; font-size: .72rem; }
.chat-form { padding: 12px; background: white; border-top: 1px solid var(--line); display: grid; grid-template-columns: 1fr 52px; gap: 10px; }
.chat-form input { min-height: 52px; border-radius: 16px; }
.chat-form button {
  border: 0;
  border-radius: 16px;
  background: var(--gold);
  color: var(--navy);
  font-size: 1.35rem;
  font-weight: 900;
}

.whatsapp-overlay {
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: rgba(8,16,31,.72);
  backdrop-filter: blur(8px);
  display: grid;
  place-items: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .25s ease, visibility .25s ease;
}
.whatsapp-overlay.is-visible { opacity: 1; visibility: visible; pointer-events: auto; }
.whatsapp-card {
  width: min(420px, 100%);
  border-radius: 28px;
  padding: 32px 26px;
  background: white;
  box-shadow: 0 30px 90px rgba(0,0,0,.34);
  text-align: center;
}
.whatsapp-orbit {
  width: 92px;
  height: 92px;
  margin: 0 auto 18px;
  border-radius: 999px;
  background: rgba(33,163,102,.12);
  position: relative;
  display: grid;
  place-items: center;
}
.whatsapp-orbit span {
  width: 62px;
  height: 62px;
  border-radius: 999px;
  background: #25D366;
  display: grid;
  place-items: center;
  color: white;
  font-size: 2rem;
  box-shadow: 0 18px 44px rgba(37,211,102,.34);
  animation: pulse 1s infinite alternate;
}
.whatsapp-orbit i {
  position: absolute;
  right: 3px;
  top: 12px;
  color: var(--gold-2);
  font-style: normal;
  animation: fly 1.2s infinite ease-in-out;
}
.whatsapp-card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.45rem; }
.whatsapp-card p { margin: 0; color: var(--muted); line-height: 1.55; }
.whatsapp-progress { height: 8px; border-radius: 999px; background: #e9eef5; overflow: hidden; margin-top: 22px; }
.whatsapp-progress b { display: block; height: 100%; background: linear-gradient(90deg, #25D366, var(--gold)); animation: progress 1.5s ease forwards; }

/* WhatsApp icons */
.inline-whatsapp,
.chat-header span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.inline-whatsapp i,
.btn .fa-whatsapp {
  font-size: 1.15em;
  line-height: 1;
}
.form-whatsapp-icon,
.chat-avatar.whatsapp-avatar {
  background: linear-gradient(135deg, #25D366, #128C7E) !important;
  color: #fff !important;
}
.form-whatsapp-icon i,
.chat-avatar.whatsapp-avatar i {
  font-size: 1.85rem;
}
.whatsapp-icon {
  display: inline-grid;
  place-items: center;
  line-height: 1;
}
.whatsapp-icon i {
  font-size: 2rem;
}
.chat-form button i {
  font-size: 1.55rem;
}
.whatsapp-orbit span i {
  position: static;
  color: #fff;
  font-size: 2.2rem;
  animation: none;
  filter: none;
}
.whatsapp-orbit > i.fa-whatsapp {
  font-size: 1.2rem;
  color: #25D366;
  filter: drop-shadow(0 8px 12px rgba(37,211,102,.25));
}

.reveal { opacity: 0; transform: translateY(22px); transition: opacity .65s ease, transform .65s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }
@keyframes pulse { to { transform: scale(1.08); } }
@keyframes fly { 50% { transform: translate(8px, -8px) rotate(-10deg); } }
@keyframes progress { from { width: 0; } to { width: 100%; } }
@keyframes scanLine {
  0%, 100% { transform: translateX(-35%); opacity: .25; }
  50% { transform: translateX(35%); opacity: 1; }
}
@keyframes floatGlow {
  0%, 100% { transform: translate3d(0,0,0) scale(1); }
  50% { transform: translate3d(18px, 12px, 0) scale(1.08); }
}
@keyframes iconRing {
  0%, 100% { transform: scale(.92); opacity: .28; }
  50% { transform: scale(1.08); opacity: .78; }
}
@keyframes cardRise {
  from { opacity: 0; transform: translateY(24px) scale(.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
@keyframes softBounce {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  35% { transform: translateY(-5px) rotate(-2deg); }
  70% { transform: translateY(2px) rotate(2deg); }
}

@media (max-width: 1120px) {
  .nav-links { gap: 2px; }
  .nav-links button { font-size: .76rem; padding: 9px 9px; }
  .values-grid { grid-template-columns: repeat(3, 1fr); }
  .bond-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 980px) {
  .container { width: min(100% - 32px, var(--container)); }
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: 80px;
    left: 16px;
    right: 16px;
    max-height: calc(100svh - 100px);
    overflow: auto;
    display: grid;
    gap: 8px;
    padding: 14px;
    border-radius: 22px;
    background: rgba(255,255,255,.98);
    box-shadow: var(--shadow);
    border: 1px solid var(--line);
    transform: translateY(-12px);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: .22s ease;
  }
  .nav-links.open { transform: translateY(0); opacity: 1; visibility: visible; pointer-events: auto; }
  .nav-links button,
  .navbar.scrolled .nav-links button,
  .navbar.menu-open .nav-links button {
    color: var(--navy);
    width: 100%;
    justify-content: flex-start;
    text-align: left;
    padding: 14px 16px;
    border-radius: 16px;
    background: var(--soft);
  }
  .nav-links .btn { justify-content: center !important; background: linear-gradient(135deg, #e4bf43, var(--gold-2)) !important; }
  .about-layout,
  .quote-layout,
  .contact-layout,
  .split-heading,
  .two-panels { grid-template-columns: 1fr; }
  .quote-copy { position: static; }
  .about-media { max-width: 620px; margin-inline: auto; }
  .hero-stats { grid-template-columns: 1fr; max-width: 460px; margin-inline: auto; }
  .quick-grid { grid-template-columns: 1fr; }
  .vmv-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 700px) {
  .navbar, .nav-inner { height: 72px; }
  .nav-links { top: 72px; }
  .brand-mark { width: 42px; height: 42px; border-radius: 14px; }
  .brand-copy strong { max-width: 210px; }
  .brand-copy small { font-size: .66rem; }
  .hero { padding-top: 112px; min-height: auto; }
  .hero h1 { font-size: clamp(2.35rem, 13vw, 4.1rem); line-height: .98; }
  .hero-actions .btn { width: 100%; }
  .btn-xl { min-height: 56px; padding: 15px 20px; }
  .glass-stat { padding: 18px; }
  .section { padding: 64px 0; }
  .section-heading { margin-bottom: 32px; }
  .section-heading h2,
  .split-heading h2,
  .about-copy h2,
  .quote-copy h2,
  .contact-info h2 { font-size: clamp(1.9rem, 9.5vw, 3rem); }
  .image-card img { min-height: 300px; }
  .floating-card { position: static; margin: -40px 18px 0; width: auto; position: relative; }
  .values-grid,
  .bond-grid,
  .insurance-grid,
  .form-grid,
  .footer-grid { grid-template-columns: 1fr; }
  .bond-card.featured { grid-row: auto; }
  .director-card { align-items: flex-start; }
  .contact-actions .btn { width: 100%; }
  .footer-bottom { flex-direction: column; text-align: center; align-items: center; }
  .chat-window {
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: min(680px, 92svh);
    border-radius: 28px 28px 0 0;
    border-left: 0;
    border-right: 0;
    border-bottom: 0;
  }
  .chat-start { align-content: start; }
}

@media (max-width: 420px) {
  .container { width: min(100% - 24px, var(--container)); }
  .brand-copy strong { max-width: 175px; font-size: .82rem; }
  .hero p { font-size: .98rem; }
  .form-card, .contact-form { padding: 18px; border-radius: 20px; }
  input, select, textarea { border-radius: 14px; padding: 13px; }
  .director-card { flex-direction: column; }
  .chat-fab { width: 58px; height: 58px; }
}

/* Extra responsive polish for the highlight strip */
@media (max-width: 980px) {
  .quick-grid { gap: 14px; }
  .quick-card { min-height: 118px; }
}

@media (max-width: 560px) {
  .quick-strip::before { background-size: 28px 28px; }
  .quick-grid { padding: 20px 0; }
  .quick-card {
    grid-template-columns: auto minmax(0, 1fr);
    gap: 13px;
    padding: 17px;
    min-height: auto;
    border-radius: 22px;
  }
  .quick-icon { width: 54px; height: 54px; border-radius: 18px; }
  .quick-copy strong { font-size: 1.06rem; }
  .quick-copy small { font-size: .9rem; }
  .quick-cta { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

/* Staggered reveal for repeated cards */
.values-grid.reveal article,
.bond-grid.reveal .bond-card,
.insurance-grid.reveal article {
  opacity: 0;
  transform: translateY(22px) scale(.985);
}
.values-grid.reveal.in-view article,
.bond-grid.reveal.in-view .bond-card,
.insurance-grid.reveal.in-view article {
  animation: cardRise .72s cubic-bezier(.2,.8,.2,1) forwards;
}
.values-grid.reveal.in-view article:nth-child(1),
.bond-grid.reveal.in-view .bond-card:nth-child(1),
.insurance-grid.reveal.in-view article:nth-child(1) { animation-delay: 0ms; }
.values-grid.reveal.in-view article:nth-child(2),
.bond-grid.reveal.in-view .bond-card:nth-child(2),
.insurance-grid.reveal.in-view article:nth-child(2) { animation-delay: 90ms; }
.values-grid.reveal.in-view article:nth-child(3),
.bond-grid.reveal.in-view .bond-card:nth-child(3),
.insurance-grid.reveal.in-view article:nth-child(3) { animation-delay: 180ms; }
.values-grid.reveal.in-view article:nth-child(4),
.bond-grid.reveal.in-view .bond-card:nth-child(4),
.insurance-grid.reveal.in-view article:nth-child(4) { animation-delay: 270ms; }
.values-grid.reveal.in-view article:nth-child(5),
.bond-grid.reveal.in-view .bond-card:nth-child(5),
.insurance-grid.reveal.in-view article:nth-child(5) { animation-delay: 360ms; }
.insurance-grid.reveal.in-view article:nth-child(6) { animation-delay: 450ms; }
.insurance-grid.reveal.in-view article:nth-child(7) { animation-delay: 540ms; }
.insurance-grid.reveal.in-view article:nth-child(8) { animation-delay: 630ms; }

.bond-card::after,
.insurance-grid article::after,
.values-grid article::after {
  content: "";
  position: absolute;
  inset: auto 16px 12px 16px;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), transparent);
  transform: scaleX(.2);
  transform-origin: left;
  opacity: .0;
  transition: transform .28s ease, opacity .28s ease;
}
.insurance-grid article,
.values-grid article { position: relative; overflow: hidden; }
.bond-card:hover::after,
.insurance-grid article:hover::after,
.values-grid article:hover::after { transform: scaleX(1); opacity: .9; }
.insurance-grid article:hover span { animation: softBounce .7s ease; }


@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

/* =========================================================
   Mobile responsive refinement - Davani/AFIMEX
   Keeps desktop design, fixes mobile spacing/overflow/readability
========================================================= */
html,
body {
  width: 100%;
  max-width: 100%;
}

body {
  touch-action: manipulation;
}

main,
section,
footer,
.navbar,
.chat-window,
.whatsapp-overlay {
  max-width: 100vw;
}

.btn,
.brand,
.nav-toggle,
.quick-card,
.chat-fab {
  -webkit-tap-highlight-color: transparent;
}

.btn,
.quick-copy,
.form-header div,
.director-card div:last-child {
  min-width: 0;
}

input,
select,
textarea {
  font-size: 16px; /* evita zoom raro en iPhone */
}

@media (max-width: 860px) {
  .hero-content,
  .section-heading,
  .split-heading,
  .quote-copy,
  .contact-info {
    text-align: left;
  }

  .hero-content {
    text-align: center;
  }

  .section-heading {
    max-width: 100%;
  }

  .split-heading {
    gap: 18px;
    margin-bottom: 28px;
  }

  .quote-layout,
  .contact-layout {
    gap: 30px;
  }

  .quote-copy,
  .contact-info {
    max-width: 720px;
  }
}

@media (max-width: 600px) {
  :root {
    --radius: 20px;
  }

  .container {
    width: min(100% - 24px, var(--container));
  }

  .navbar,
  .nav-inner {
    height: 66px;
  }

  .nav-inner {
    gap: 10px;
  }

  .brand {
    gap: 9px;
    flex: 1 1 auto;
  }

  .brand-mark {
    width: 40px;
    height: 40px;
    border-radius: 13px;
  }

  .brand-mark svg {
    width: 23px;
    height: 23px;
  }

  .brand-copy strong {
    max-width: 168px;
    font-size: .8rem;
    line-height: 1.08;
  }

  .brand-copy small {
    font-size: .62rem;
    letter-spacing: .2em;
  }

  .nav-toggle {
    width: 42px;
    height: 42px;
    border-radius: 13px;
    padding: 10px;
    flex: 0 0 auto;
  }

  .nav-links {
    top: 66px;
    left: 12px;
    right: 12px;
    max-height: calc(100svh - 84px);
    padding: 12px;
    border-radius: 20px;
  }

  .nav-links button,
  .navbar.scrolled .nav-links button,
  .navbar.menu-open .nav-links button {
    min-height: 46px;
    padding: 12px 14px;
    border-radius: 14px;
    font-size: .82rem;
  }

  .hero {
    min-height: 100svh;
    padding: 92px 0 38px;
    display: flex;
    align-items: center;
  }

  .hero-bg {
    background-position: 55% center;
  }

  .hero::after {
    bottom: -230px;
    height: 300px;
    filter: blur(55px);
  }

  .hero-badge,
  .eyebrow {
    padding: 8px 12px;
    font-size: .66rem;
    letter-spacing: .08em;
    line-height: 1.25;
  }

  .hero h1 {
    margin: 18px auto 14px;
    font-size: clamp(2.05rem, 12vw, 3.18rem);
    line-height: 1;
    letter-spacing: -.045em;
  }

  .hero p {
    max-width: 34rem;
    font-size: .98rem;
    line-height: 1.58;
  }

  .hero-actions {
    margin-top: 24px;
    gap: 10px;
  }

  .btn {
    min-height: 46px;
    padding: 12px 15px;
    border-radius: 14px;
    font-size: .78rem;
    white-space: normal;
    text-align: center;
    line-height: 1.25;
  }

  .btn-xl {
    min-height: 54px;
    padding: 14px 16px;
    font-size: .82rem;
  }

  .hero-actions .btn {
    width: min(100%, 350px);
  }

  .hero-stats {
    gap: 10px;
    margin-top: 28px;
    max-width: 350px;
  }

  .glass-stat {
    padding: 14px 12px;
    border-radius: 18px;
  }

  .glass-stat span {
    font-size: 1.55rem;
  }

  .glass-stat small {
    margin-top: 6px;
    font-size: .8rem;
    line-height: 1.25;
  }

  .quick-grid {
    padding: 16px 0;
    gap: 12px;
  }

  .quick-card {
    grid-template-columns: auto minmax(0, 1fr);
    align-items: start;
    gap: 12px;
    padding: 14px;
    min-height: auto;
    border-radius: 20px;
    box-shadow: 0 12px 32px rgba(16, 26, 46, .10);
  }

  .quick-card::after {
    inset: auto 14px 10px 14px;
    height: 3px;
  }

  .quick-icon {
    width: 48px;
    height: 48px;
    border-radius: 16px;
  }

  .quick-icon::before {
    inset: -4px;
  }

  .quick-icon i {
    font-size: 1.18rem;
  }

  .quick-copy strong {
    font-size: 1rem;
    line-height: 1.08;
  }

  .quick-copy small {
    font-size: .84rem;
    line-height: 1.42;
  }

  .quick-cta {
    display: none;
  }

  .section {
    padding: 54px 0;
  }

  .section-heading {
    margin-bottom: 28px;
  }

  .section-heading h2,
  .split-heading h2,
  .about-copy h2,
  .quote-copy h2,
  .contact-info h2 {
    margin: 12px 0;
    font-size: clamp(1.72rem, 8.4vw, 2.55rem);
    line-height: 1.07;
    letter-spacing: -.04em;
  }

  .section-heading p,
  .split-heading p,
  .quote-copy p,
  .contact-info p {
    font-size: .96rem;
    line-height: 1.62;
  }

  .about-layout,
  .quote-layout,
  .contact-layout,
  .two-panels {
    gap: 24px;
  }

  .image-card {
    border-width: 3px;
    border-radius: 24px;
    transform: none;
  }

  .image-card img {
    min-height: 235px;
  }

  .floating-card {
    margin: -28px 12px 0;
    padding: 16px;
    border-radius: 18px;
  }

  .floating-card strong {
    font-size: 1.14rem;
  }

  .floating-card span,
  .rich-text p {
    font-size: .95rem;
    line-height: 1.66;
  }

  .vmv-grid,
  .values-grid,
  .bond-grid,
  .insurance-grid,
  .form-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .vmv-grid,
  .values-grid,
  .bond-grid,
  .insurance-grid {
    gap: 12px;
  }

  .vmv-card,
  .values-grid article,
  .bond-card,
  .dark-panel,
  .gold-panel,
  .form-card,
  .contact-form {
    border-radius: 20px;
  }

  .vmv-card,
  .values-grid article,
  .bond-card {
    padding: 18px;
  }

  .vmv-icon {
    font-size: 1.8rem;
    margin-bottom: 10px;
  }

  .vmv-card h3,
  .bond-card h3 {
    font-size: 1.08rem;
    line-height: 1.22;
  }

  .vmv-card p,
  .values-grid span,
  .bond-card ul,
  .dark-panel p,
  .gold-panel p {
    font-size: .93rem;
    line-height: 1.6;
  }

  .values-grid article {
    min-height: auto;
    gap: 6px;
  }

  .card-top {
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
  }

  .card-top span {
    width: 38px;
    height: 38px;
    border-radius: 12px;
    font-size: .84rem;
  }

  .bond-card ul {
    padding-left: 18px;
  }

  .dark-panel,
  .gold-panel {
    padding: 22px 18px;
  }

  .dark-panel h2,
  .gold-panel h2 {
    font-size: clamp(1.45rem, 7vw, 2.25rem);
    line-height: 1.08;
  }

  .insurance-grid article {
    min-height: 108px;
    padding: 18px;
    border-radius: 20px;
    gap: 8px;
  }

  .insurance-grid span {
    font-size: 1.75rem;
  }

  .insurance-grid strong {
    font-size: .98rem;
  }

  .quote-note {
    padding: 17px;
    border-radius: 18px;
  }

  .form-card,
  .contact-form {
    padding: 18px;
  }

  .form-header {
    gap: 10px;
    padding-bottom: 16px;
    margin-bottom: 16px;
    align-items: flex-start;
  }

  .form-header > span {
    width: 46px;
    height: 46px;
    border-radius: 15px;
    font-size: 1.25rem;
  }

  .form-header h3 {
    font-size: 1.08rem;
    line-height: 1.22;
  }

  .form-header p {
    font-size: .86rem;
    line-height: 1.35;
  }

  label,
  .full-label {
    font-size: .76rem;
    letter-spacing: .025em;
    gap: 7px;
  }

  input,
  select,
  textarea {
    min-height: 48px;
    border-radius: 14px;
    padding: 12px 13px;
  }

  textarea {
    min-height: 104px;
  }

  .calc-box {
    padding: 15px;
    border-radius: 17px;
  }

  .calc-box strong {
    font-size: 1.2rem;
    line-height: 1.2;
  }

  .director-card {
    padding: 16px;
    border-radius: 20px;
    gap: 12px;
    align-items: flex-start;
  }

  .director-avatar {
    width: 54px;
    height: 54px;
    border-radius: 16px;
  }

  .director-card strong {
    font-size: 1rem;
    line-height: 1.3;
  }

  .contact-actions {
    gap: 10px;
  }

  .contact-actions .btn {
    width: 100%;
  }

  .footer-grid {
    padding: 42px 0 24px;
    gap: 24px;
  }

  .footer p,
  .footer li {
    font-size: .92rem;
    line-height: 1.6;
  }

  .footer-bottom {
    padding: 16px 0;
    font-size: .78rem;
  }

  .chat-fab {
    right: 14px;
    bottom: 14px;
    width: 58px;
    height: 58px;
  }

  .chat-window {
    left: 8px;
    right: 8px;
    bottom: 0;
    width: calc(100% - 16px);
    height: min(620px, calc(100svh - 16px));
    border-radius: 22px 22px 0 0;
    border-width: 3px;
    border-bottom: 0;
  }

  .chat-header {
    padding: 13px 14px;
  }

  .chat-header button {
    width: 36px;
    height: 36px;
    border-radius: 11px;
  }

  .chat-start {
    padding: 18px;
    align-content: start;
  }

  .chat-avatar {
    width: 60px;
    height: 60px;
    font-size: 1.6rem;
  }

  .chat-start h3 {
    font-size: 1.28rem;
  }

  .chat-start p {
    font-size: .92rem;
  }

  .chat-messages {
    padding: 12px;
    gap: 10px;
  }

  .chat-message {
    max-width: 88%;
    font-size: .9rem;
  }

  .chat-form {
    padding: 10px;
    grid-template-columns: 1fr 48px;
    gap: 8px;
  }

  .chat-form input {
    min-height: 48px;
  }

  .chat-form button {
    border-radius: 14px;
  }

  .whatsapp-overlay {
    padding: 16px;
  }

  .whatsapp-card {
    border-radius: 22px;
    padding: 24px 18px;
  }

  .whatsapp-orbit {
    width: 78px;
    height: 78px;
  }

  .whatsapp-orbit span {
    width: 54px;
    height: 54px;
  }
}

@media (max-width: 380px) {
  .container {
    width: min(100% - 20px, var(--container));
  }

  .brand-copy strong {
    max-width: 132px;
    font-size: .76rem;
  }

  .brand-copy small {
    font-size: .58rem;
  }

  .hero h1 {
    font-size: clamp(1.86rem, 11.5vw, 2.75rem);
  }

  .hero-badge,
  .eyebrow {
    font-size: .61rem;
  }

  .quick-card {
    padding: 13px;
    gap: 10px;
  }

  .quick-icon {
    width: 44px;
    height: 44px;
    border-radius: 15px;
  }

  .quick-copy small {
    font-size: .8rem;
  }

  .form-header {
    flex-direction: column;
  }

  .director-card {
    flex-direction: column;
  }
}