/* KrediHub — páginas de seguros (una por línea + índice en seguros.html)
 *
 * Hoja compartida: antes cada landing traía su propio <style> copiado, y un
 * arreglo en una no llegaba a las demás. Las once páginas de seguros usan esta.
 * Mantiene la paleta y las tipografías del resto del sitio.
 */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
:root {
  --teal-50:#ECFEFF; --teal-100:#CFFAFE; --teal-200:#A5F3FC; --teal-300:#67E8F9;
  --teal-400:#22D3EE; --teal-500:#00B4D8; --teal-600:#0891B2; --teal-700:#0E7490;
  --teal-800:#155E75; --teal-900:#164E63; --teal-950:#083344;
  --slate-50:#F8FAFC; --slate-100:#F1F5F9; --slate-200:#E2E8F0; --slate-300:#CBD5E1;
  --slate-400:#94A3B8; --slate-500:#64748B; --slate-600:#475569; --slate-700:#334155;
  --slate-800:#1E293B; --slate-900:#0F172A;
  --gold-50:#FFFBEB; --gold-400:#FBBF24; --gold-500:#F59E0B; --gold-800:#92400E;
  --white:#FFFFFF; --error:#DC2626; --wa:#25D366;
  --font-display:'Playfair Display', Georgia, serif;
  --font-body:'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}
body { font-family: var(--font-body); color: var(--slate-800); background: var(--white); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
a { color: inherit; text-decoration: none; }
[hidden] { display: none !important; }

/* Íconos Phosphor: tamaño explícito. Las landings viejas los forzaban a 2em
   con !important, y eso descuadraba los que iban dentro de botones. */
.ph-duotone { font-size: 1em; vertical-align: -0.12em; }

/* ─── Nav ─── */
.sg-nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; background: rgba(8,51,68,0.95); backdrop-filter: blur(20px); border-bottom: 1px solid rgba(255,255,255,0.06); }
.sg-nav-inner { max-width: 1080px; margin: 0 auto; padding: 0 20px; display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 64px; }
.sg-logo { display: flex; align-items: center; gap: 10px; color: var(--white); font-weight: 700; font-size: 20px; }
.sg-logo-icon { width: 36px; height: 36px; background: var(--teal-500); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 16px; }
.sg-logo b { color: var(--teal-300); font-weight: 700; }
.sg-nav-links { display: flex; align-items: center; gap: 18px; font-size: 14px; }
.sg-nav-links a { color: rgba(255,255,255,0.72); transition: color .25s; white-space: nowrap; }
.sg-nav-links a:hover, .sg-nav-links a[aria-current="page"] { color: var(--white); }
@media (max-width: 480px) { .sg-nav-links .sg-hide-sm { display: none; } }

/* ─── Hero ─── */
.sg-hero { padding: 124px 0 72px; background: linear-gradient(165deg, var(--slate-900) 0%, var(--teal-950) 45%, var(--teal-900) 100%); color: var(--white); text-align: center; }
.sg-crumbs { font-size: 13px; color: rgba(255,255,255,0.55); margin-bottom: 22px; }
.sg-crumbs a { color: var(--teal-300); }
.sg-hero-label { display: inline-flex; align-items: center; gap: 8px; padding: 7px 18px; border-radius: 100px; background: rgba(0,180,216,0.14); color: var(--teal-300); font-size: 14px; font-weight: 600; margin-bottom: 24px; }
.sg-hero h1 { font-family: var(--font-display); font-size: clamp(30px, 5vw, 50px); font-weight: 700; line-height: 1.15; max-width: 760px; margin: 0 auto 20px; }
.sg-hero h1 em { font-style: normal; color: var(--teal-300); }
.sg-hero p { font-size: clamp(15px, 2.4vw, 18px); color: rgba(255,255,255,0.74); line-height: 1.7; max-width: 620px; margin: 0 auto 34px; }
.sg-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.sg-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 15px 28px; border-radius: 12px; font-family: var(--font-body); font-weight: 600; font-size: 15px; border: none; cursor: pointer; background: var(--teal-500); color: var(--white); box-shadow: 0 4px 16px rgba(0,180,216,0.3); transition: transform .25s, background .25s, box-shadow .25s; }
.sg-btn:hover { background: var(--teal-400); transform: translateY(-2px); }
.sg-btn--wa { background: var(--wa); box-shadow: 0 4px 16px rgba(37,211,102,0.3); }
.sg-btn--wa:hover { background: #20BD5A; }
.sg-btn--ghost { background: transparent; border: 1.5px solid rgba(255,255,255,0.3); box-shadow: none; }
.sg-btn--ghost:hover { background: rgba(255,255,255,0.08); }
@media (max-width: 480px) { .sg-btns { flex-direction: column; align-items: stretch; } }

/* ─── Secciones ─── */
.sg-section { padding: 72px 0; }
.sg-section--light { background: var(--slate-50); }
.sg-section--dark { background: linear-gradient(165deg, var(--teal-950) 0%, var(--teal-900) 100%); color: var(--white); }
.sg-eyebrow { display: block; text-align: center; font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--teal-600); margin-bottom: 10px; }
.sg-title { font-family: var(--font-display); font-size: clamp(24px, 4vw, 36px); font-weight: 700; text-align: center; line-height: 1.25; margin-bottom: 12px; color: var(--slate-900); }
.sg-sub { font-size: clamp(14px, 2vw, 16px); color: var(--slate-500); text-align: center; max-width: 620px; margin: 0 auto 40px; line-height: 1.7; }
.sg-prose { max-width: 720px; margin: 0 auto; font-size: 16px; line-height: 1.8; color: var(--slate-600); }
.sg-prose p + p { margin-top: 14px; }
.sg-prose strong { color: var(--slate-800); }

/* ─── Para quién (chips) ─── */
.sg-chips { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; max-width: 860px; margin: 0 auto; }
.sg-chip { display: inline-flex; align-items: center; gap: 8px; padding: 10px 18px; border-radius: 100px; background: var(--white); border: 1px solid var(--slate-200); font-size: 14px; font-weight: 500; color: var(--slate-700); }
.sg-chip .ph-duotone { color: var(--teal-600); font-size: 18px; }

/* ─── Coberturas ─── */
.sg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.sg-grid--2 { grid-template-columns: repeat(2, 1fr); }
.sg-card { background: var(--white); border: 1px solid var(--slate-100); border-radius: 20px; padding: 28px 24px; transition: border-color .3s, box-shadow .3s, transform .3s; }
.sg-card:hover { border-color: var(--teal-200); box-shadow: 0 12px 40px rgba(0,0,0,0.06); transform: translateY(-3px); }
.sg-card-icon { width: 48px; height: 48px; border-radius: 14px; background: var(--teal-50); color: var(--teal-700); display: flex; align-items: center; justify-content: center; font-size: 24px; margin-bottom: 16px; }
.sg-card-num { font-family: var(--font-display); font-size: 14px; font-weight: 700; color: var(--teal-600); margin-bottom: 6px; display: block; }
.sg-card h3 { font-size: 17px; font-weight: 700; color: var(--slate-900); margin-bottom: 8px; line-height: 1.35; }
.sg-card p { font-size: 14px; color: var(--slate-500); line-height: 1.65; }
.sg-card ul { list-style: none; margin-top: 12px; display: grid; gap: 6px; }
.sg-card li { font-size: 13.5px; color: var(--slate-600); padding-left: 20px; position: relative; line-height: 1.5; }
.sg-card li::before { content: ''; position: absolute; left: 4px; top: 8px; width: 6px; height: 6px; border-radius: 50%; background: var(--teal-400); }
.sg-card-foot { margin-top: 14px; padding-top: 12px; border-top: 1px dashed var(--slate-200); font-size: 13px; color: var(--teal-800); font-weight: 600; line-height: 1.5; }

/* ─── Amparos adicionales ─── */
.sg-pills { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; max-width: 860px; margin: 0 auto; }
.sg-pill { display: inline-flex; align-items: center; gap: 7px; padding: 9px 16px; border-radius: 100px; background: var(--teal-50); border: 1px solid var(--teal-100); font-size: 14px; color: var(--teal-800); font-weight: 500; }
.sg-note { text-align: center; font-size: 13px; color: var(--slate-400); margin-top: 18px; }

/* ─── Ejemplo / pregunta clave ─── */
.sg-callout { max-width: 760px; margin: 0 auto; background: var(--white); border: 1px solid var(--slate-200); border-left: 4px solid var(--teal-500); border-radius: 16px; padding: 26px 28px; }
.sg-callout-label { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--teal-700); margin-bottom: 8px; }
.sg-callout p { font-size: 16px; line-height: 1.7; color: var(--slate-700); }
.sg-callout p + p { margin-top: 10px; }
.sg-quote { font-family: var(--font-display); font-size: clamp(20px, 3vw, 28px); line-height: 1.4; text-align: center; max-width: 760px; margin: 0 auto; color: var(--white); }
.sg-quote small { display: block; font-family: var(--font-body); font-size: 15px; color: var(--teal-200); margin-top: 14px; line-height: 1.6; }

/* ─── Cadena (autos para empresas) ─── */
.sg-chain { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 8px; margin: 8px 0 28px; }
.sg-chain span { padding: 10px 16px; border-radius: 10px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); font-weight: 600; font-size: 15px; }
.sg-chain i { color: var(--teal-300); font-style: normal; }

/* ─── Selector de perfil (transporte) ─── */
.sg-switch { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; max-width: 760px; margin: 0 auto 32px; }
.sg-switch button { text-align: left; padding: 20px 22px; border-radius: 16px; border: 2px solid var(--slate-200); background: var(--white); font-family: var(--font-body); cursor: pointer; transition: border-color .25s, background .25s; }
.sg-switch button strong { display: block; font-size: 16px; color: var(--slate-900); margin-bottom: 4px; }
.sg-switch button span { font-size: 13.5px; color: var(--slate-500); line-height: 1.5; }
.sg-switch button[aria-pressed="true"] { border-color: var(--teal-500); background: var(--teal-50); }
.sg-panel { max-width: 860px; margin: 0 auto; }

/* ─── Formulario ─── */
.sg-form-wrap { display: grid; grid-template-columns: 1fr 1.15fr; gap: 48px; align-items: start; }
.sg-form-intro h2 { font-family: var(--font-display); font-size: clamp(26px, 4vw, 36px); line-height: 1.25; margin-bottom: 14px; }
.sg-form-intro p { color: rgba(255,255,255,0.72); line-height: 1.7; margin-bottom: 22px; }
.sg-steps { list-style: none; display: grid; gap: 14px; counter-reset: paso; }
.sg-steps li { counter-increment: paso; display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; font-size: 15px; color: rgba(255,255,255,0.85); line-height: 1.5; }
.sg-steps li::before { content: counter(paso); width: 34px; height: 34px; border-radius: 50%; background: rgba(0,180,216,0.18); color: var(--teal-300); font-weight: 700; display: flex; align-items: center; justify-content: center; }
.sg-form { background: var(--white); color: var(--slate-800); border-radius: 24px; padding: 32px 28px; box-shadow: 0 20px 60px rgba(0,0,0,0.18); }
.sg-form h3 { font-family: var(--font-display); font-size: 22px; margin-bottom: 4px; color: var(--slate-900); }
.sg-form .sg-form-sub { font-size: 13.5px; color: var(--slate-500); margin-bottom: 22px; line-height: 1.6; }
.sg-fieldset-title { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--teal-700); margin: 6px 0 12px; }
.sg-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.sg-field { margin-bottom: 14px; }
.sg-field > label, .sg-field > .sg-label { display: block; font-size: 13px; font-weight: 600; color: var(--slate-700); margin-bottom: 6px; }
.sg-field .sg-opt { font-weight: 400; color: var(--slate-400); }
.sg-input, .sg-select, .sg-textarea { width: 100%; padding: 13px 14px; border: 1.5px solid var(--slate-200); border-radius: 12px; font-family: var(--font-body); font-size: 16px; color: var(--slate-800); background: var(--slate-50); outline: none; transition: border-color .25s, background .25s; }
.sg-textarea { min-height: 84px; resize: vertical; }
.sg-select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%2364748B' viewBox='0 0 16 16'%3E%3Cpath d='M1.5 5.5l6.5 6 6.5-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.sg-input:focus, .sg-select:focus, .sg-textarea:focus { border-color: var(--teal-500); background-color: var(--white); }
.sg-field.has-error .sg-input, .sg-field.has-error .sg-select { border-color: var(--error); }
.sg-err { display: block; font-size: 12.5px; color: var(--error); margin-top: 5px; }
.sg-checks { display: flex; flex-wrap: wrap; gap: 8px; }
.sg-checks label { display: inline-flex; align-items: center; gap: 7px; padding: 8px 12px; border: 1.5px solid var(--slate-200); border-radius: 10px; font-size: 13.5px; color: var(--slate-700); cursor: pointer; background: var(--slate-50); }
.sg-checks input { accent-color: var(--teal-600); }
.sg-checks label:has(input:checked) { border-color: var(--teal-500); background: var(--teal-50); }
.sg-consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; font-size: 12.5px; color: var(--slate-500); line-height: 1.55; margin: 6px 0 16px; }
.sg-consent input { margin-top: 2px; width: 16px; height: 16px; accent-color: var(--teal-600); }
.sg-consent a { color: var(--teal-700); text-decoration: underline; }
.sg-submit { width: 100%; padding: 16px; border: none; border-radius: 12px; background: linear-gradient(135deg, var(--teal-500), var(--teal-700)); color: var(--white); font-family: var(--font-body); font-size: 16px; font-weight: 700; cursor: pointer; box-shadow: 0 4px 16px rgba(0,180,216,0.3); transition: transform .25s; }
.sg-submit:hover { transform: translateY(-2px); }
.sg-submit:disabled { opacity: .6; cursor: not-allowed; transform: none; }
.sg-form-error { background: #FEF2F2; border: 1px solid #FECACA; color: #991B1B; border-radius: 10px; padding: 10px 12px; font-size: 13.5px; margin-bottom: 14px; line-height: 1.5; }
.sg-form-error a { text-decoration: underline; font-weight: 600; }
.sg-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.sg-success { text-align: center; padding: 24px 6px; }
.sg-success .ph-duotone { font-size: 52px; color: #10B981; margin-bottom: 12px; }
.sg-success h3 { margin-bottom: 8px; }
.sg-success p { font-size: 14.5px; color: var(--slate-500); line-height: 1.65; margin-bottom: 20px; }

/* ─── Preguntas frecuentes ─── */
.sg-faq { max-width: 760px; margin: 0 auto; }
.sg-faq-item { border-bottom: 1px solid var(--slate-200); }
.sg-faq-q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 20px 0; background: none; border: none; text-align: left; font-family: var(--font-body); font-size: 16px; font-weight: 600; color: var(--slate-800); cursor: pointer; }
.sg-faq-q:hover { color: var(--teal-700); }
.sg-faq-q::after { content: '+'; font-size: 22px; font-weight: 400; color: var(--slate-400); transition: transform .25s; flex-shrink: 0; }
.sg-faq-q[aria-expanded="true"]::after { transform: rotate(45deg); }
.sg-faq-a { padding: 0 0 20px; font-size: 15px; color: var(--slate-600); line-height: 1.75; }
.sg-faq-a a { color: var(--teal-700); text-decoration: underline; }

/* ─── Relacionados ─── */
.sg-related { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.sg-rel { display: flex; gap: 14px; align-items: flex-start; padding: 20px; border-radius: 16px; background: var(--white); border: 1px solid var(--slate-200); transition: border-color .25s, transform .25s; }
.sg-rel:hover { border-color: var(--teal-300); transform: translateY(-2px); }
.sg-rel .ph-duotone { font-size: 26px; color: var(--teal-600); flex-shrink: 0; }
.sg-rel strong { display: block; font-size: 15px; color: var(--slate-900); margin-bottom: 3px; }
.sg-rel span { font-size: 13px; color: var(--slate-500); line-height: 1.5; }
.sg-rel--credito { background: var(--gold-50); border-color: #FDE68A; }
.sg-rel--credito .ph-duotone { color: #B45309; }

/* ─── Índice (seguros.html) ─── */
.sg-group + .sg-group { margin-top: 56px; }
.sg-group-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-bottom: 20px; padding-bottom: 12px; border-bottom: 1px solid var(--slate-200); }
.sg-group-head h2 { font-family: var(--font-display); font-size: clamp(22px, 3vw, 30px); color: var(--slate-900); }
.sg-group-head p { font-size: 14px; color: var(--slate-500); }
a.sg-card { display: flex; flex-direction: column; }
a.sg-card .sg-more { margin-top: auto; padding-top: 14px; font-size: 14px; font-weight: 700; color: var(--teal-700); }
.sg-diag { max-width: 820px; margin: 0 auto; background: var(--white); border: 1px solid var(--slate-200); border-radius: 24px; padding: 30px 28px; }
.sg-diag .sg-checks label { font-size: 14.5px; padding: 11px 14px; }
.sg-diag-out { margin-top: 22px; }
.sg-diag-out h3 { font-size: 15px; color: var(--slate-700); margin-bottom: 12px; }
.sg-diag-out .sg-related { grid-template-columns: repeat(2, 1fr); }

/* ─── Aviso legal ─── */
.sg-legal { padding: 36px 0; background: var(--slate-50); border-top: 1px solid var(--slate-200); }
.sg-legal p { max-width: 860px; margin: 0 auto; font-size: 12.5px; color: var(--slate-500); line-height: 1.7; }
.sg-legal p + p { margin-top: 8px; }
.sg-legal a { color: var(--teal-700); text-decoration: underline; }

/* ─── Footer ─── */
.sg-footer { padding: 26px 0 90px; text-align: center; font-size: 13px; color: var(--slate-400); }
.sg-footer a { color: var(--teal-700); }
.sg-wa-float { position: fixed; bottom: 24px; right: 24px; width: 58px; height: 58px; border-radius: 50%; background: var(--wa); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 30px; box-shadow: 0 4px 20px rgba(37,211,102,0.4); z-index: 999; transition: transform .25s; }
.sg-wa-float:hover { transform: scale(1.08); }
.sg-wa-float .ph-duotone { font-size: 30px; color: var(--white); }

/* ─── Responsive ─── */
@media (max-width: 900px) {
  .sg-grid, .sg-related { grid-template-columns: repeat(2, 1fr); }
  .sg-form-wrap { grid-template-columns: 1fr; gap: 32px; }
}
@media (max-width: 640px) {
  .sg-section { padding: 52px 0; }
  .sg-hero { padding: 104px 0 56px; }
  .sg-grid, .sg-grid--2, .sg-related, .sg-diag-out .sg-related, .sg-switch { grid-template-columns: 1fr; }
  .sg-row { grid-template-columns: 1fr; gap: 0; }
  .sg-form { padding: 26px 18px; }
  .sg-callout { padding: 22px 20px; }
  .sg-diag { padding: 24px 18px; }
}