/* Directo Seguros — sitio 2026 */
:root {
  --navy: #012169;
  --navy-900: #0a1640;
  --navy-700: #1b2b6b;
  --navy-100: #e8ecf6;
  --red: #b5232a;
  --red-700: #8f1a20;
  --ink: #1c2233;
  --muted: #5b6478;
  --line: #dfe3ec;
  --bg: #ffffff;
  --bg-soft: #f4f6fb;
  --wa: #25d366;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(1, 33, 105, .10);
  --shadow-lg: 0 20px 50px rgba(1, 33, 105, .18);
  --max: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html, body { overflow-x: clip; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Lato', system-ui, -apple-system, 'Segoe UI', sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
[hidden] { display: none !important; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--red); }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 .6em; color: var(--navy); font-weight: 900; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.6rem); }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: clamp(56px, 8vw, 104px) 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: #fff; }
.section--navy h2, .section--navy h3 { color: #fff; }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 14px;
}
.section--navy .eyebrow, .hero .eyebrow, .mvv .eyebrow { color: #ff8a8f; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 720px; }
.section--navy .lead { color: rgba(255,255,255,.82); }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.section-head { margin-bottom: 48px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 26px; border-radius: 999px;
  font-weight: 700; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase;
  border: 2px solid transparent; cursor: pointer; transition: .2s ease;
  font-family: inherit;
}
.btn svg { width: 20px; height: 20px; flex: none; }
.btn--red { background: var(--red); color: #fff; }
.btn--red:hover { background: var(--red-700); color: #fff; transform: translateY(-2px); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-900); color: #fff; transform: translateY(-2px); }
.btn--ghost { border-color: rgba(255,255,255,.7); color: #fff; }
.btn--ghost:hover { background: #fff; color: var(--navy); }
.btn--wa { background: var(--wa); color: #fff; }
.btn--wa:hover { background: #1eb457; color: #fff; transform: translateY(-2px); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* Top bar */
.topbar { background: var(--navy-900); color: rgba(255,255,255,.8); font-size: .82rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 40px; }
.topbar a { color: #fff; }
.topbar a:hover { color: #ffb3b6; }
.topbar__contact { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar__contact span { display: inline-flex; align-items: center; gap: 7px; }
.topbar svg { width: 14px; height: 14px; opacity: .85; }
.topbar__reg { font-style: italic; opacity: .75; }

/* Header */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); transition: box-shadow .2s; }
.header.is-scrolled { box-shadow: 0 6px 24px rgba(1,33,105,.08); }
.header .container { display: flex; align-items: center; justify-content: space-between; min-height: 84px; gap: 20px; }
.header__logo { flex: none; }
.header__logo img { height: 54px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  position: relative; padding: 10px 13px; font-size: .84rem; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase; color: var(--navy); white-space: nowrap;
}
.nav a::after {
  content: ""; position: absolute; left: 13px; right: 13px; bottom: 4px; height: 2px;
  background: var(--red); transform: scaleX(0); transition: transform .2s;
}
.nav a:hover::after, .nav a.is-active::after { transform: scaleX(1); }
.nav a.is-active { color: var(--red); }
.nav a.btn, .nav a.btn:hover { color: #fff; }
.nav .btn { margin-left: 10px; padding: 11px 20px; font-size: .8rem; }
.nav .btn::after { display: none; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }
.nav-toggle svg { width: 30px; height: 30px; }

/* Hero */
.hero { position: relative; color: #fff; overflow: hidden; background: var(--navy-900); }
.hero__bg { position: absolute; inset: 0; background-size: cover; background-position: center 30%; }
.hero__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(10,22,64,.9) 0%, rgba(1,33,105,.62) 42%, rgba(1,33,105,.12) 75%, rgba(1,33,105,0) 100%); }
.hero .container { position: relative; padding-top: clamp(80px, 12vw, 150px); padding-bottom: clamp(80px, 12vw, 150px); }
.hero h1 { color: #fff; max-width: 760px; }
.hero h1 em { font-style: normal; color: #ff8a8f; }
.hero p { font-size: 1.2rem; max-width: 620px; color: rgba(255,255,255,.88); margin-bottom: 32px; }
.hero--page .container { padding-top: clamp(64px, 9vw, 110px); padding-bottom: clamp(64px, 9vw, 110px); }
.hero--page h1 { font-size: clamp(2rem, 4.2vw, 3.2rem); }
.hero__reg { margin-top: 36px; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.7); display: flex; align-items: center; gap: 10px; }
.hero__reg svg { width: 18px; height: 18px; }

/* Hero slider */
.slider { display: grid; }
.slider .slide { grid-area: 1 / 1; position: relative; opacity: 0; visibility: hidden; transition: opacity 1s ease, visibility 1s; }
.slider .slide.is-active { opacity: 1; visibility: visible; }
.slider .slide .hero__bg { transform: scale(1.06); transition: transform 7s ease-out; }
.slider .slide.is-active .hero__bg { transform: scale(1); }
.slider .slide .container > * { opacity: 0; transform: translateY(18px); transition: opacity .7s ease .35s, transform .7s ease .35s; }
.slider .slide.is-active .container > * { opacity: 1; transform: none; }
.hero__quote { margin: 0 0 32px; max-width: 780px; font-size: clamp(1.7rem, 3.4vw, 2.7rem); font-weight: 900; line-height: 1.25; color: #fff; }
.hero__quote em { font-style: normal; color: #ff8a8f; }
.slider__nav { grid-area: 1 / 1; align-self: end; justify-self: center; z-index: 3; display: flex; gap: 10px; margin-bottom: 76px; }
.slider__dot { width: 34px; height: 5px; border-radius: 3px; border: 0; padding: 0; background: rgba(255,255,255,.4); cursor: pointer; transition: background .3s, width .3s; }
.slider__dot.is-active { background: #fff; width: 54px; }

/* Team carousel */
.team__head { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; margin-bottom: 36px; }
.team__head h2 { margin-bottom: .3em; }
.team__head .lead { margin: 0; }
.carousel__arrows { display: flex; gap: 10px; flex: none; }
.carousel__btn { width: 50px; height: 50px; border-radius: 50%; border: 1px solid var(--line); background: #fff; color: var(--navy); display: grid; place-items: center; cursor: pointer; transition: .2s; }
.carousel__btn:hover:not(:disabled) { background: var(--navy); color: #fff; border-color: var(--navy); }
.carousel__btn:disabled { opacity: .35; cursor: default; }
.carousel__btn svg { width: 22px; height: 22px; }
.carousel__track { display: grid; grid-auto-flow: column; grid-auto-columns: calc((100% - 72px) / 4); gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; padding: 4px 4px 18px; margin: -4px -4px 0; scrollbar-width: none; }
.carousel__track::-webkit-scrollbar { display: none; }
.carousel__track:focus-visible { outline: 2px solid var(--navy); outline-offset: 4px; border-radius: var(--radius); }
.member { scroll-snap-align: start; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: 0 4px 18px rgba(1,33,105,.07); display: flex; flex-direction: column; transition: transform .25s, box-shadow .25s; }
.member:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.member__photo { aspect-ratio: 4 / 5; overflow: hidden; background: var(--navy-100); }
.member__photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; transition: transform .5s; }
.member:hover .member__photo img { transform: scale(1.04); }
.member__body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.member__body h3 { font-size: 1.1rem; font-weight: 900; margin-bottom: 4px; }
.member__role { font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--red); margin-bottom: 12px; }
.member__body p { font-size: .92rem; color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.member__seal { margin-top: auto; padding-top: 14px; border-top: 1px solid var(--line); font-weight: 900; color: var(--navy); letter-spacing: .12em; text-transform: uppercase; font-size: .85rem; }
.member__seal span { display: block; font-size: .68rem; font-weight: 700; color: var(--muted); letter-spacing: .2em; margin-bottom: 2px; }
.carousel__dots { display: flex; justify-content: center; gap: 8px; margin-top: 18px; }
.carousel__dots button { width: 9px; height: 9px; border-radius: 50%; border: 0; padding: 0; background: #c7cede; cursor: pointer; transition: .25s; }
.carousel__dots button.is-active { background: var(--navy); width: 26px; border-radius: 5px; }

/* Team grid (Nosotros) */
.team-grid { display: grid; grid-template-columns: 1fr 1.25fr 1fr; grid-auto-rows: 250px; gap: 14px; grid-template-areas: "a b c" "d b e" "f f g"; }
.team-grid a { display: block; overflow: hidden; border-radius: 12px; }
.team-grid img { width: 100%; height: 100%; object-fit: cover; transition: transform .45s; }
.team-grid a:hover img { transform: scale(1.04); }
.tg-a { grid-area: a; } .tg-b { grid-area: b; } .tg-c { grid-area: c; } .tg-d { grid-area: d; } .tg-e { grid-area: e; } .tg-f { grid-area: f; } .tg-g { grid-area: g; }
.tg-a img { object-position: center 25%; } .tg-b img { object-position: center 20%; } .tg-g img { object-position: center 35%; }

/* Hero dividido: texto en panel, foto limpia */
.hero--split { background: var(--navy-900); }
.hero--split .slide { display: grid; grid-template-columns: minmax(0, 4.6fr) minmax(0, 7.4fr); min-height: 560px; }
.hero__panel { order: 1; position: relative; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-900) 100%); display: flex; align-items: center; padding: 44px clamp(24px, 3vw, 48px) 100px max(20px, calc((100vw - var(--max)) / 2 + 20px)); }
.hero__panel::after { content: ""; position: absolute; top: 0; bottom: 0; right: -60px; width: 60px; background: linear-gradient(90deg, var(--navy-900), transparent); z-index: 1; pointer-events: none; }
.hero__content { position: relative; z-index: 2; max-width: 560px; }
.hero--split h1 { font-size: clamp(1.9rem, 3vw, 2.7rem); }
.hero--split .eyebrow { margin-bottom: 10px; }
.hero--split p { margin-bottom: 24px; }
.hero--split .btn { padding: 12px 20px; font-size: .85rem; }
.hero--split .btn-row { gap: 10px; }
.hero--split .hero__reg { margin-top: 24px; font-size: .7rem; }
.hero--split .hero__quote { font-size: clamp(1.5rem, 2.6vw, 2.2rem); }
.hero--split .hero__content > p { font-size: 1.02rem; }
.hero__media { order: 2; position: relative; overflow: hidden; }
.hero__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 55% 40%; transform: scale(1.04); transition: transform 7s ease-out; }
.slider .slide.is-active .hero__media img { transform: scale(1); }
.hero--split .slide .hero__content > * { opacity: 0; transform: translateY(18px); transition: opacity .7s ease .35s, transform .7s ease .35s; }
.hero--split .slide.is-active .hero__content > * { opacity: 1; transform: none; }
.hero--split-page .slide { min-height: 480px; }
.hero--split-page .hero__panel { padding-bottom: 56px; }
.hero--split .slider__nav { justify-self: start; margin-left: max(20px, calc((100vw - var(--max)) / 2 + 20px)); }

/* Stats */
.stats { position: relative; margin-top: -56px; z-index: 2; }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); overflow: hidden; }
.stat { padding: 30px 24px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat__num { font-size: 2.6rem; font-weight: 900; color: var(--navy); line-height: 1; }
.stat__num small { font-size: 1.3rem; color: var(--red); }
.stat__label { margin-top: 8px; font-size: .85rem; color: var(--muted); letter-spacing: .03em; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 80px); align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media { position: relative; }
.split__media img { border-radius: var(--radius); box-shadow: var(--shadow-lg); width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.split__media::before { content: ""; position: absolute; inset: 18px -18px -18px 18px; border: 3px solid var(--red); border-radius: var(--radius); z-index: -1; }
.split--reverse .split__media::before { inset: 18px 18px -18px -18px; }

/* Cards */
.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 28px; transition: .25s ease; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card p { color: var(--muted); margin: 0; }
.card__icon { width: 58px; height: 58px; border-radius: 14px; background: var(--navy-100); color: var(--navy); display: grid; place-items: center; margin-bottom: 20px; transition: .25s; }
.card:hover .card__icon { background: var(--red); color: #fff; }
.card__icon svg { width: 30px; height: 30px; }

/* Mission / Vision / Values */
.mvv { position: relative; color: #fff; background: var(--navy-900); padding-top: 0; }
.mvv__photo { position: relative; max-height: 620px; overflow: hidden; }
.mvv__photo img { width: 100%; height: auto; display: block; }
.mvv__photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(10,22,64,0) 55%, rgba(10,22,64,.55) 82%, var(--navy-900) 100%); }
.mvv .container { position: relative; margin-top: -90px; z-index: 1; }
.mvv--plain { padding-top: clamp(56px, 8vw, 104px); }
.mvv--plain .container { margin-top: 0; }
.mvv h2 { color: #fff; }
.mvv__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.mvv__card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius); padding: 36px 30px; backdrop-filter: blur(4px); }
.mvv__card h3 { color: #fff; font-size: 1.6rem; font-weight: 900; letter-spacing: .06em; text-transform: uppercase; display: flex; align-items: center; gap: 12px; }
.mvv__card h3 span { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--red); flex: none; }
.mvv__card h3 svg { width: 24px; height: 24px; }
.mvv__card p { color: rgba(255,255,255,.86); margin: 0; }
.values { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.values li { padding: 8px 14px; border-radius: 999px; background: rgba(255,255,255,.12); font-weight: 700; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; }

/* Logos marquee */
.logos { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.logos__track { display: flex; gap: 22px; width: max-content; animation: marquee 50s linear infinite; }
.logos:hover .logos__track { animation-play-state: paused; }
.logos__item { flex: none; width: 190px; height: 96px; background: #fff; border: 1px solid var(--line); border-radius: 12px; display: grid; place-items: center; padding: 14px 18px; }
.logos__item img { max-height: 64px; max-width: 100%; object-fit: contain; }
a.logos__item { transition: border-color .2s, box-shadow .2s; }
a.logos__item:hover { border-color: var(--navy); box-shadow: var(--shadow); }
@keyframes marquee { to { transform: translateX(-50%); } }

/* Feature (big stat blocks) */
.feature { display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
.feature + .feature { margin-top: clamp(64px, 9vw, 110px); }
.feature--reverse .feature__media { order: 2; }
.feature__num { font-size: clamp(3.6rem, 8vw, 6rem); font-weight: 900; color: var(--red); line-height: 1; letter-spacing: -.02em; }
.feature__kicker { font-size: .9rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--navy); margin: 10px 0 18px; }
.mosaic { display: grid; grid-template-columns: repeat(2, 1fr); grid-template-rows: repeat(2, 230px); gap: 12px; }
.mosaic a:first-child { grid-row: span 2; }
.mosaic--4 { grid-template-rows: repeat(2, 260px); }
.mosaic--4 a:first-child { grid-row: auto; }
.mosaic--4 img { object-position: center 30%; }
.mosaic img { width: 100%; height: 100%; object-fit: cover; border-radius: 12px; transition: transform .4s; }
.mosaic a { overflow: hidden; border-radius: 12px; display: block; }
.mosaic a:hover img { transform: scale(1.05); }
.sponsor { display: grid; grid-template-columns: minmax(0, 240px) 1fr; gap: clamp(28px, 5vw, 64px); align-items: center; margin-top: clamp(64px, 9vw, 110px); padding: clamp(24px, 4vw, 48px); background: var(--bg-soft); border-radius: var(--radius); border-left: 6px solid var(--red); }
.sponsor__media { display: block; border-radius: 12px; overflow: hidden; box-shadow: var(--shadow-lg); }
.sponsor__media img { width: 100%; height: auto; display: block; transition: transform .4s; }
.sponsor__media:hover img { transform: scale(1.03); }
.sponsor h2 { margin: 8px 0 14px; }

/* Gallery */
.gallery { columns: 3 280px; column-gap: 14px; }
.gallery a { display: block; margin-bottom: 14px; border-radius: 12px; overflow: hidden; break-inside: avoid; position: relative; }
.gallery img { width: 100%; transition: transform .45s ease; }
.gallery a:hover img { transform: scale(1.04); }
.gallery figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 26px 14px 12px; color: #fff; font-size: .85rem; background: linear-gradient(transparent, rgba(10,22,64,.85)); }

.gallery--grid { columns: auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.gallery--grid a { margin: 0; aspect-ratio: 3 / 4; }
.gallery--grid img { width: 100%; height: 100%; object-fit: cover; }
.gallery--grid a:last-child:nth-child(3n + 2) { grid-column: 3; }

/* Ranking table */
.ranking { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.ranking table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); font-size: .92rem; }
.ranking caption { caption-side: top; text-align: left; font-weight: 900; font-size: 1.4rem; color: var(--navy); padding-bottom: 10px; }
.ranking th { background: var(--navy); color: #fff; text-align: left; padding: 12px 16px; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; }
.ranking td { padding: 10px 16px; border-top: 1px solid var(--line); }
.ranking td:last-child, .ranking th:last-child { text-align: center; width: 70px; }
.ranking tr.is-us td { background: #fdecec; color: var(--red); font-weight: 900; }
.note { font-size: .82rem; color: var(--muted); margin-top: 16px; }
.note--source { font-size: .95rem; font-weight: 700; color: var(--navy, #012169); margin-top: 22px; }
.note--source + .note { margin-top: 6px; }

/* Reasons list */
.reasons { counter-reset: r; }
.reason { display: grid; grid-template-columns: 64px 1fr; gap: 20px; padding: 26px 0; border-bottom: 1px solid var(--line); }
.reason:last-child { border-bottom: 0; }
.reason::before { counter-increment: r; content: counter(r, decimal-leading-zero); font-size: 2rem; font-weight: 900; color: var(--red); line-height: 1; }
.reason h3 { margin-bottom: .3em; }
.reason p { margin: 0; color: var(--muted); }

/* Podcast */
.podcast-hero { background: linear-gradient(135deg, #fbf7f2 0%, #f2ece4 100%); }
.podcast-hero .container { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; padding-top: clamp(56px, 8vw, 100px); padding-bottom: clamp(56px, 8vw, 100px); }
.podcast-hero__logo { width: min(380px, 80%); margin-bottom: 24px; }
.podcast-hero h1 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
.podcast-hero__media img { border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.tune { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.tune__item { display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 18px; font-size: .9rem; }
.tune__item svg { width: 26px; height: 26px; color: var(--red); flex: none; }
.tune__item strong { display: block; color: var(--navy); }
.episode { display: grid; grid-template-columns: 220px 1fr; gap: 28px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; transition: .25s; }
.episode:hover { box-shadow: var(--shadow); }
.episode img { border-radius: 10px; width: 100%; aspect-ratio: 1; object-fit: cover; }
.episode__tag { font-size: .75rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--red); }
.episode h3 { margin: 6px 0 8px; }
.episode p { color: var(--muted); margin: 0; }
.abc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.abc-term { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; position: relative; overflow: hidden; }
.abc-term__letter { position: absolute; right: 14px; top: 6px; font-size: 3.6rem; font-weight: 900; color: var(--navy-100); line-height: 1; }
.abc-term h3 { position: relative; margin-bottom: .4em; }
.abc-term p { position: relative; margin: 0; color: var(--muted); font-size: .95rem; }

/* Directory */
.directory-tools { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 28px; }
.search { position: relative; flex: 1 1 320px; max-width: 420px; }
.search input { width: 100%; padding: 14px 18px 14px 46px; border: 1px solid var(--line); border-radius: 999px; font: inherit; font-size: .95rem; background: #fff; }
.search input:focus { outline: 2px solid var(--navy); border-color: transparent; }
.search svg { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); width: 18px; height: 18px; color: var(--muted); }
.insurer { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: .25s; }
.insurer:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.insurer__logo { height: 120px; display: grid; place-items: center; padding: 18px 24px; border-bottom: 1px solid var(--line); background: #fff; }
.insurer__logo img { max-height: 84px; max-width: 100%; object-fit: contain; transition: transform .2s; }
a.insurer__logo:hover img { transform: scale(1.05); }
.insurer__body { padding: 18px 22px 22px; }
.insurer__name { font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.insurer__label { font-size: .72rem; font-weight: 700; letter-spacing: .16em; color: var(--muted); text-transform: uppercase; }
.insurer__phones { display: flex; flex-direction: column; gap: 6px; margin-top: 6px; }
.phone-link { display: inline-flex; align-items: center; gap: 10px; font-size: 1.25rem; font-weight: 900; color: var(--navy); }
.phone-link svg { width: 30px; height: 30px; padding: 7px; border-radius: 50%; background: var(--navy); color: #fff; flex: none; }
.phone-link:hover svg { background: var(--red); }

/* Contact */
.contact-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; }
.contact-card svg { width: 30px; height: 30px; color: var(--red); margin-bottom: 14px; }
.contact-card h3 { font-size: 1rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 6px; }
.contact-card p, .contact-card a { margin: 0; font-size: .98rem; }
.form { display: grid; gap: 16px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form label { display: block; font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--navy); margin-bottom: 6px; }
.form input, .form select, .form textarea { width: 100%; padding: 13px 16px; border: 1px solid var(--line); border-radius: 10px; font: inherit; font-size: .98rem; background: #fff; color: var(--ink); }
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid var(--navy); border-color: transparent; }
.form textarea { min-height: 130px; resize: vertical; }
.map { border: 0; width: 100%; height: 100%; min-height: 420px; border-radius: var(--radius); }

/* CTA band */
.cta { background: linear-gradient(120deg, var(--red) 0%, var(--red-700) 100%); color: #fff; border-radius: 20px; padding: clamp(36px, 5vw, 56px); display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; }
.cta h2 { color: #fff; margin: 0 0 6px; font-size: clamp(1.5rem, 2.8vw, 2.2rem); }
.cta p { margin: 0; color: rgba(255,255,255,.88); }
.cta .btn--ghost:hover { color: var(--red); }

/* Teasers */
.teaser { position: relative; border-radius: var(--radius); overflow: hidden; min-height: 380px; display: flex; align-items: flex-end; color: #fff; }
.teaser img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s; }
.teaser::after { content: ""; position: absolute; inset: 0; background: linear-gradient(transparent 20%, rgba(10,22,64,.92)); }
.teaser:hover img { transform: scale(1.05); }
.teaser__body { position: relative; z-index: 1; padding: 32px; width: 100%; }
.teaser h3 { color: #fff; font-size: 1.6rem; font-weight: 900; }
.teaser p { color: rgba(255,255,255,.85); margin-bottom: 14px; }
.teaser__link svg { width: 18px; height: 18px; }
.teaser__link { white-space: nowrap; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; font-size: .82rem; color: #fff; display: inline-flex; gap: 8px; align-items: center; }
.teaser:hover .teaser__link { color: #ffb3b6; }

/* Countries */
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.chip { padding: 9px 16px; border-radius: 999px; background: var(--navy-100); color: var(--navy); font-weight: 700; font-size: .88rem; }

/* Footer */
.footer { background: var(--navy-900); color: rgba(255,255,255,.75); padding: 72px 0 0; font-size: .95rem; }
.footer a { color: rgba(255,255,255,.85); }
.footer a:hover { color: #fff; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer__logo { height: 58px; width: auto; margin-bottom: 18px; }
.footer h4 { color: #fff; font-size: .82rem; letter-spacing: .2em; text-transform: uppercase; margin-bottom: 18px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer__contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer__contact svg { width: 18px; height: 18px; margin-top: 4px; flex: none; color: #ff8a8f; }
.footer__bottom { margin-top: 56px; border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .82rem; }

/* WhatsApp float */
.wa-float { position: fixed; right: 20px; bottom: 20px; z-index: 60; width: 60px; height: 60px; border-radius: 50%; background: var(--wa); color: #fff; display: grid; place-items: center; box-shadow: 0 10px 26px rgba(37,211,102,.45); transition: transform .2s; }
.wa-float:hover { transform: scale(1.08); color: #fff; }
.wa-float svg { width: 32px; height: 32px; }

/* Lightbox */
.lightbox { position: fixed; inset: 0; z-index: 100; background: rgba(6, 12, 34, .94); display: none; align-items: center; justify-content: center; padding: 60px 70px; }
.lightbox.is-open { display: flex; }
.lightbox img { max-width: 100%; max-height: 100%; border-radius: 8px; box-shadow: 0 30px 80px rgba(0,0,0,.5); }
.lightbox button { position: absolute; background: rgba(255,255,255,.12); border: 0; color: #fff; width: 50px; height: 50px; border-radius: 50%; cursor: pointer; display: grid; place-items: center; }
.lightbox button:hover { background: rgba(255,255,255,.25); }
.lightbox button svg { width: 24px; height: 24px; }
.lightbox__close { top: 18px; right: 18px; }
.lightbox__prev { left: 14px; top: 50%; transform: translateY(-50%); }
.lightbox__next { right: 14px; top: 50%; transform: translateY(-50%); }
.lightbox__count { position: absolute; bottom: 18px; left: 50%; transform: translateX(-50%); color: rgba(255,255,255,.7); font-size: .85rem; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .slider .slide, .slider .slide .hero__bg, .slider .slide .container > *, .hero__media img, .hero--split .slide .hero__content > * { transition: none; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .logos__track { animation: none; }
  html { scroll-behavior: auto; }
}

/* Responsive */
@media (max-width: 1380px) {
  .nav a { padding: 10px 8px; font-size: .76rem; letter-spacing: .06em; }
  .nav .btn { margin-left: 6px; padding: 10px 16px; }
  .topbar__reg { display: none; }
}
@media (max-width: 1100px) {
  .carousel__track { grid-auto-columns: calc((100% - 48px) / 3); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .contact-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1180px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; top: 100%; left: 0; right: 0; max-height: calc(100vh - 70px); overflow-y: auto; background: #fff; flex-direction: column; align-items: stretch; padding: 8px 20px 24px; gap: 0; border-bottom: 1px solid var(--line); box-shadow: 0 20px 40px rgba(1,33,105,.12); opacity: 0; visibility: hidden; transform: translateY(-10px); transition: opacity .25s, transform .25s, visibility .25s; }
  .nav.is-open { opacity: 1; visibility: visible; transform: none; }
  .nav a { padding: 15px 4px; border-bottom: 1px solid var(--line); font-size: .9rem; }
  .nav a::after { display: none; }
  .nav .btn { margin: 16px 0 0; justify-content: center; border-bottom: 0; }
}
@media (max-width: 960px) {
  .split, .feature, .podcast-hero .container { grid-template-columns: 1fr; }
  .split--reverse .split__media, .feature--reverse .feature__media { order: 0; }
  .sponsor { grid-template-columns: 1fr; }
  .sponsor__media { width: 100%; max-width: 240px; margin: 0 auto; }
  .grid--3, .grid--4, .mvv__grid, .abc-grid { grid-template-columns: repeat(2, 1fr); }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .ranking { grid-template-columns: 1fr; }
  .gallery--grid { grid-template-columns: repeat(2, 1fr); }
  .gallery--grid a:last-child:nth-child(3n + 2) { grid-column: auto; }
  .hero--split .slide { grid-template-columns: 1fr; min-height: 0; }
  .hero__media { order: 1; aspect-ratio: 4 / 3; }
  .hero__panel { order: 2; padding: 36px 20px 120px; }
  .hero__panel::after { display: none; }
  .hero--split-page .slide { min-height: 480px; }
.hero--split-page .hero__panel { padding-bottom: 56px; }
.hero--split .slider__nav { justify-self: center; margin-left: 0; }
  .carousel__track { grid-auto-columns: calc((100% - 24px) / 2); }
  .team-grid { grid-template-columns: 1fr 1fr; grid-auto-rows: 220px; grid-template-areas: "b a" "b c" "d e" "f f" "g g"; }
  .tg-g { grid-row: span 2; }
  .mvv__grid { grid-template-columns: 1fr; }
  .mvv .container { margin-top: -30px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .hero__bg::after { background: linear-gradient(180deg, rgba(10,22,64,.55), rgba(10,22,64,.88)); }
  .container { padding: 0 16px; }
  .topbar__contact span.hide-sm { display: none; }
  .header .container { min-height: 70px; }
  .header__logo img { height: 42px; }
  .grid--2, .grid--3, .grid--4, .abc-grid, .contact-cards, .footer__grid, .form__row { grid-template-columns: 1fr; }
  .episode { grid-template-columns: 1fr; }
  .team__head { align-items: flex-start; flex-direction: column; }
  .carousel__arrows { display: none; }
  .carousel__track { grid-auto-columns: 82%; gap: 16px; }
  .team-grid { grid-template-columns: 1fr; grid-auto-rows: 240px; grid-template-areas: "b" "b" "a" "c" "d" "e" "f" "g" "g"; }
  .split__media::before { display: none; }
  .stat { padding: 22px 12px; }
  .stat__num { font-size: 2rem; }
  .lightbox { padding: 60px 10px; }
  .lightbox__prev, .lightbox__next { top: auto; bottom: 10px; transform: none; }
  .hero__bg { background-position: 70% center; }
}