.main-div {
    padding-top: 90px;
}


:root {
    --bg-dark-green: #0a261d;
    --bg-light-cream: #f4f3ef;
    --accent-gold: #c5a059;
    --text-dark: #222222;
    --text-light: #ffffff;
    --text-muted: #b0c4b9;
    --border-gray: #dcd6cd;
    --font-title: 'Oswald', sans-serif;
    --font-body: 'Montserrat', sans-serif;

            --card-bg: #ffffff;

            --border-line: #d0dcde;

            --bg-dark: #0a251c;
      --bg-accent: #051912;
      --text-gold: #c29b38;
      --border-divider: #87948e;
      --card-bg: #ffffff;
      --card-shadow: 0 10px 30px rgba(0,0,0,0.08);
      
            
}

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

body {
    font-family: var(--font-body);
    color: var(--text-dark);
    background-color: var(--bg-dark-green);
    line-height: 1.5;
}

h1, h2, h3, h4 {
    font-family: var(--font-title);
    text-transform: uppercase;
}

/* --- LÍNEA DORADA DECORATIVA (Espaciado reducido 50%) --- */
.gold-line {
    display: inline-block;
    width: 40px;
    height: 3px;
    background-color: var(--accent-gold);
    margin-top: 0.3rem;
    margin-bottom: 0.6rem;
    border-radius: 2px;
}

/* --- SECCIÓN 1: HERO CON IMAGEN DE FONDO DE EXTREMO A EXTREMO --- */
.hero-section-pers {
    width: 100%;
    min-height: 600px;
    background: url('../images/seguros/Hero banner Seguro Personal_Seguro de Vida_.webp') center/cover no-repeat;
    color: var(--text-light);
    padding: 2.5rem 0; /* Reducido 50% arriba y abajo */
    display: flex;
    align-items: center;
}

.hero-wrapper-pers {
    width: 100%;
    max-width: 1500px;
    margin: 0 auto;
    padding: 0 4rem;
}

.breadcrumb {
    font-size: 0.85rem;
    margin-bottom: 1.2rem; /* Reducido 50% respecto al original */
    font-weight: 500;
}

.breadcrumb a {
    color: var(--text-light);
    text-decoration: none;
    transition: opacity 0.2s;
}

.breadcrumb a:hover {
    opacity: 0.8;
    text-decoration: underline;
}

.breadcrumb span {
    color: var(--accent-gold);
    margin-left: 5px;
}

/* Imagen exclusiva para móvil (oculta en desktop) */
.hero-mobile-image {
    display: none;
    width: 100%;
    margin-bottom: 1.5rem;
}

.hero-mobile-image img {
    width: 100%;
    height: auto;
    border-radius: 6px;
    object-fit: cover;
    box-shadow: 0 10px 25px rgba(0,0,0,0.3);
}

.hero-content-pers {
    max-width: 750px;
}

.hero-content-pers h1 {
    font-size: clamp(2.3rem, 4vw, 3.8rem);
    line-height: 1.18;
    margin-bottom: 0.3rem;
    letter-spacing: 0.5px;
}

.hero-content-pers h1 .gold-text {
    color: var(--accent-gold);
}

.hero-content-pers .subtitle-main {
    font-size: 1.15rem;
    font-weight: 600;
    margin-top: 0.5rem;
    margin-bottom: 0.5rem;
    color: var(--text-light);
}

.hero-content-pers .subtitle-desc {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 0.3rem;
    line-height: 1.6;
}

.hero-buttons {
    display: flex;
    gap: 1rem;
    align-items: center;
    flex-wrap: wrap;
    margin-top: 1rem;
    margin-bottom: 1rem; /* Reducido espacio inferior */
}

.btn-gold {
    background-color: var(--accent-gold);
    color: var(--bg-dark-green);
    padding: 0.8rem 1.6rem;
    font-family: var(--font-title);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 4px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: background 0.3s ease;
}

.btn-gold:hover {
    background-color: #d4af37;
}

.btn-outline {
    background: transparent;
    color: var(--text-light);
    border: 1px solid rgba(255, 255, 255, 0.4);
    padding: 0.8rem 1.6rem;
    font-family: var(--font-title);
    font-size: 1rem;
    font-weight: 500;
    text-decoration: none;
    border-radius: 4px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.3s ease;
}

.btn-outline:hover {
    border-color: var(--text-light);
    background: rgba(255, 255, 255, 0.05);
}

.hero-guarantee {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.85rem;
    color: var(--text-muted);
    max-width: 520px;
    margin-bottom: 0.5rem; /* Reducido espacio debajo de la garantía */
}

.hero-guarantee img {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
    object-fit: contain;
}

/* --- SECCIÓN 2: ¿QUÉ PASARÍA CON QUIENES DEPENDEN DE TI? (5/12 y 7/12 columnas) --- */
.impact-section {
    background-color: var(--bg-light-cream);
    color: var(--text-dark);
    padding: 4rem 0;
    width: 100%;
}

.impact-wrapper {
    width: 100%;
    max-width: 1600px;
    margin: 0 auto;
    padding: 0 4rem;
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    gap: 2rem;
    align-items: center;
}

.impact-text {
    grid-column: span 5;
    text-align: left;
    padding-right: 1.5rem;
}

.impact-text h2 {
    font-size: clamp(1.3rem, 1.7vw, 1.9rem);
    line-height: 1.2;
    color: var(--bg-dark-green);
    margin-bottom: 0.3rem;
}

.impact-text p {
    font-size: 0.88rem;
    color: #444;
    margin-bottom: 0.8rem;
    line-height: 1.55;
}

.impact-pillars-grid {
    grid-column: span 7;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    background: transparent;
    width: 100%;
}

.impact-pillar-item {
    text-align: center;
    padding: 1.5rem 0.8rem;
    border-right: 1px solid var(--border-gray);
    background: transparent;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    width: 100%;
}

.impact-pillar-item:last-child {
    border-right: none;
}

.impact-pillar-icon {
    width: 75px;
    height: 75px;
    margin-bottom: 0.8rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.impact-pillar-icon img {
    width: 60px;
    height: 60px;
    object-fit: contain;
}

.impact-pillar-item h4 {
    font-size: 0.9rem;
    color: var(--bg-dark-green);
    margin-bottom: 0.4rem;
    letter-spacing: 0.5px;
}

.impact-pillar-item p {
    font-size: 0.78rem;
    color: #555;
    margin: 0;
    line-height: 1.4;
    width: 100%;
    max-width: 100%; /* Adaptado para móvil sin recortes */
}

/* --- SECCIÓN 3: UNA PROTECCIÓN QUE VA MÁS ALLÁ DEL PRESENTE --- */
.future-section {
    background-color: var(--bg-dark-green);
    color: var(--text-light);
    padding: 3rem 0;
    text-align: center;
    width: 100%;
}

.future-wrapper {
    width: 100%;
    max-width: 1500px;
    margin: 0 auto;
    padding: 0 4rem;
}

.future-section h2 {
    font-size: clamp(1.8rem, 2.5vw, 2.4rem);
    color: var(--text-light);
    margin-bottom: 0.8rem;
    letter-spacing: 0.5px;
}

.future-section > p {
    font-size: 0.95rem;
    color: var(--text-muted);
    max-width: 800px;
    margin: 0 auto 2.5rem auto;
    line-height: 1.6;
}

.future-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    width: 100%;
}

.future-card {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    padding: 2rem 1.5rem;
    border-right: 1px solid rgba(255, 255, 255, 0.15);
    text-align: left;
    background: transparent;
    width: 100%;
}

.future-card:last-child {
    border-right: none;
}

.future-card-icon {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
}

.future-card-icon img {
    width: 70px;
    height: 70px;
    object-fit: contain;
}

.future-card-content h3 {
    font-size: 1rem;
    color: var(--text-light);
    margin-bottom: 0.4rem;
    letter-spacing: 0.5px;
}

.future-card-content p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.45;
    margin: 0;
}

/* --- RESPONSIVE MEDIA QUERIES (OPTIMIZACIÓN MÓVIL Y TABLET) --- */
@media (max-width: 1100px) {
    .hero-section-pers {
        background: var(--bg-dark-green); /* Fondo sólido en móvil para permitir fluidez con la imagen arriba */
        padding: 2rem 0;
    }
    .hero-mobile-image {
        display: block; /* Muestra la imagen primero en móvil */
    }
    .impact-wrapper {
        grid-template-columns: 1fr;
        gap: 2rem;
        padding: 0 2rem;
    }
    .impact-text, .impact-pillars-grid {
        grid-column: span 12;
    }
    .impact-text {
        padding-right: 0;
        text-align: center;
    }
    .impact-text .gold-line {
        margin-left: auto;
        margin-right: auto;
    }
    .impact-pillars-grid {
        grid-template-columns: repeat(2, 1fr);
        width: 100%;
    }
    .impact-pillar-item {
        border-bottom: 1px solid var(--border-gray);
        text-align: center;
        align-items: center;
        padding: 1.5rem 1rem;
    }
    .impact-pillar-item:nth-child(even) {
        border-right: none;
    }
}

@media (max-width: 1024px) {
    .hero-wrapper-pers, .future-wrapper {
        padding: 0 2rem;
    }
    .future-cards-grid {
        grid-template-columns: 1fr;
    }
    .future-card {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.15);
    }
    .future-card:last-child {
        border-bottom: none;
    }
}

@media (max-width: 650px) {
    .hero-wrapper-pers, .impact-wrapper, .future-wrapper {
        padding: 0 1rem;
    }
    .hero-content-pers h1 {
        font-size: 1.9rem;
    }
    .impact-pillars-grid {
        grid-template-columns: 1fr;
    }
    .impact-pillar-item {
        border-right: none;
        border-bottom: 1px solid var(--border-gray);
    }
    .impact-pillar-item:last-child {
        border-bottom: none;
    }
    .hero-buttons {
        flex-direction: column;
        align-items: stretch;
    }
    .btn-gold, .btn-outline {
        justify-content: center;
        width: 100%;
    }
    .future-card {
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 1rem;
        padding: 1.8rem 1rem;
    }
}




.body2 {
    font-family: var(--font-body);
    color: var(--text-dark);
    background-color: var(--bg-light-cream);
    line-height: 1.6;
}

h1, h2, h3, h4 {
    font-family: var(--font-title);
    text-transform: uppercase;
}

/* --- SECCIÓN 1: MODALIDADES DE SEGURO --- */
.modalities-section {
    padding: 5rem 2rem;
    width: 100%;
    background-color: var(--bg-light-cream);
}

.container-pers {
    max-width: 1200px;
    margin: 0 auto;
}

.section-header {
    text-align: center;
    margin-bottom: 3.5rem;
}

.section-header h1 {
    font-size: clamp(1.8rem, 2.5vw, 2.4rem);
    color: var(--bg-dark-green);
    margin-bottom: 0.8rem;
    letter-spacing: 0.5px;
}

.section-header p {
    font-size: 1rem;
    color: var(--text-muted);
    max-width: 700px;
    margin: 0 auto;
}

/* Tarjetas (Grid de 3 columnas) */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
}

.modality-card {
    background-color: var(--card-bg);
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.06);
    border: 1px solid var(--border-gray);
    display: flex;
    flex-direction: column;
    position: relative;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.modality-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 30px rgba(0, 0, 0, 0.1);
}

.card-image-wrapper {
    position: relative;
    width: 100%;
    height: 220px;
}

.card-image-wrapper img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Insignia numérica (01, 02, 03) */
.card-badge {
    position: absolute;
    top: 15px;
    left: 15px;
    background-color: var(--bg-dark-green);
    color: var(--text-light, #ffffff);
    font-family: var(--font-title);
    font-size: 1.1rem;
    font-weight: 600;
    padding: 0.4rem 0.9rem;
    border-radius: 6px;
    letter-spacing: 1px;
}

.card-body {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.card-body h3 {
    font-size: 1.25rem;
    color: var(--bg-dark-green);
    margin-bottom: 0.6rem;
    letter-spacing: 0.5px;
}

.card-subtitle {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 1rem;
}

.card-desc {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin: 0;
    flex-grow: 1;
}


/* --- SECCIÓN 2: MOMENTOS CLAVE (ICONOS) --- */
.moments-section {
    background-color: #ffffff;
    padding: 5rem 2rem;
    border-top: 1px solid var(--border-gray);
    border-bottom: 1px solid var(--border-gray);
}

.moments-header {
    text-align: center;
    margin-bottom: 4rem;
}

.moments-header h2 {
    font-size: clamp(1.5rem, 2.2vw, 2.1rem);
    color: var(--bg-dark-green);
    letter-spacing: 0.5px;
}

/* Grid de 5 elementos con líneas divisorias verticales */
.moments-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    align-items: stretch;
}

.moment-item {
    text-align: center;
    padding: 1.5rem 1.2rem;
    border-right: 1px solid var(--border-gray);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
}

.moment-item:last-child {
    border-right: none;
}

.moment-icon {
    width: 65px;
    height: 65px;
    margin-bottom: 1.2rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.moment-icon img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
}

.moment-item h4 {
    font-size: 0.9rem;
    color: var(--bg-dark-green);
    margin-bottom: 0.6rem;
    letter-spacing: 0.5px;
    line-height: 1.3;
}

.moment-item p {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.45;
    margin: 0;
}


/* --- RESPONSIVE MEDIA QUERIES --- */
@media (max-width: 1200px) {
    .cards-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .moments-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .moment-item:nth-child(3) {
        border-right: none;
    }
    .moment-item:nth-child(n+4) {
        border-top: 1px solid var(--border-gray);
        margin-top: 1rem;
        padding-top: 2rem;
    }
}

@media (max-width: 768px) {
    .cards-grid {
        grid-template-columns: 1fr;
    }
    .moments-grid {
        grid-template-columns: 1fr;
    }
    .moment-item {
        border-right: none;
        border-bottom: 1px solid var(--border-gray);
        padding: 2rem 1rem;
    }
    .moment-item:last-child {
        border-bottom: none;
    }
    .moment-item:nth-child(n+4) {
        border-top: none;
        margin-top: 0;
        padding-top: 2rem;
    }
    .modalities-section, .moments-section {
        padding: 3rem 1rem;
    }
}






.body3 {
    font-family: var(--font-body);
    background-color: var(--bg-dark-green);
    color: var(--text-light);
    line-height: 1.5;
}

h1, h2, h3, h4 {
    font-family: var(--font-title);
    text-transform: uppercase;
}

/* --- SECCIÓN HERO / PATRIMONIO --- */
.patrimony-section {
    position: relative;
    width: 100%;
    min-height: 520px;
    background: url('../images/seguros/Lo que construyes.webp') center/cover no-repeat;
    display: flex;
    align-items: center;
}

.patrimony-wrapper {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 1600px;
    margin: 0 auto;
    padding: 3rem 4rem;
    padding-left: 50%; /* Espacio para la imagen de fondo en escritorio */
    display: flex;
    flex-direction: column;
    justify-content: center;
}

/* Imagen exclusiva para móvil (oculta en escritorio) */
.patrimony-mobile-image {
    display: none;
    width: 100%;
    margin-bottom: 2rem;
}

.patrimony-mobile-image img {
    width: 100%;
    height: auto;
    border-radius: 6px;
    object-fit: cover;
    box-shadow: 0 10px 25px rgba(0,0,0,0.3);
}

.patrimony-content h1 {
    font-size: clamp(1.8rem, 2.8vw, 2.8rem);
    line-height: 1.15;
    letter-spacing: 0.5px;
    margin-bottom: 1.5rem;
}

.patrimony-content h1 .gold-text {
    color: var(--accent-gold);
    display: block;
}

.patrimony-divider {
    width: 80px;
    height: 3px;
    background-color: var(--accent-gold);
    margin-bottom: 1.5rem;
    border-radius: 2px;
}

/* --- GRID DE 5 ICONOS CON LÍNEAS VERTICALES --- */
.patrimony-icons-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 0;
    margin-bottom: 1.8rem;
    align-items: center;
}

.patrimony-icon-item {
    text-align: center;
    padding: 0 1rem;
    border-right: 1px solid rgba(255, 255, 255, 0.2);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.patrimony-icon-item:last-child {
    border-right: none;
}

.patrimony-icon-wrapper {
    width: 44px;
    height: 44px;
    margin-bottom: 0.6rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.patrimony-icon-wrapper img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    filter: brightness(0) invert(1);
}

.patrimony-icon-item span {
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--text-light);
    line-height: 1.3;
    letter-spacing: 0.3px;
}

/* --- DESCRIPCIÓN Y CTA EN DORADO CON TEXTO BLANCO --- */
.patrimony-desc {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
    max-width: 700px;
    line-height: 1.5;
}

.btn-gold {
    background-color: var(--accent-gold);
    color: #ffffff; /* Texto en blanco */
    padding: 0.8rem 1.8rem;
    font-family: var(--font-title);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 4px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    letter-spacing: 0.5px;
    transition: background 0.3s ease, transform 0.2s ease;
    width: fit-content;
}

.btn-gold:hover {
    background-color: #d4af37;
    transform: translateY(-2px);
}


/* --- RESPONSIVE MEDIA QUERIES --- */
@media (max-width: 1200px) {
    .patrimony-wrapper {
        padding: 3rem;
        padding-left: 35%;
    }
}

@media (max-width: 1024px) {
    .patrimony-section {
        background: var(--bg-dark-green); /* Fondo sólido en móvil para permitir que la imagen vaya primero */
    }
    .patrimony-mobile-image {
        display: block; /* Muestra la imagen principal primero en dispositivos móviles/tablets */
    }
    .patrimony-wrapper {
        padding: 3rem 2rem;
        padding-left: 2rem;
    }
}

@media (max-width: 768px) {
    .patrimony-icons-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem 1rem;
    }
    .patrimony-icon-item {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.15);
        padding-bottom: 1.2rem;
    }
    .patrimony-icon-item:nth-child(odd):last-child {
        grid-column: span 2;
        border-bottom: none;
    }
    .patrimony-content h1 {
        font-size: 1.7rem;
    }
}

@media (max-width: 480px) {
    .patrimony-wrapper {
        padding: 2.5rem 1rem;
    }
    .patrimony-icons-grid {
        grid-template-columns: 1fr;
    }
    .patrimony-icon-item {
        border-bottom: 1px solid rgba(255, 255, 255, 0.15);
        padding-bottom: 1rem;
    }
    .patrimony-icon-item:last-child {
        border-bottom: none;
    }
    .btn-gold {
        width: 100%;
        justify-content: center;
    }
}




.body4 {
    font-family: var(--font-body);
    background-color: var(--bg-light-cream);
    color: var(--text-dark);
    line-height: 1.6;
}

h1, h2, h3, h4 {
    font-family: var(--font-title);
    text-transform: uppercase;
}

/* --- SECCIÓN ACOMPAÑAMIENTO --- */
.accompaniment-section {
    padding: 5rem 2rem;
    width: 100%;
    background-color: #ffffff;
}



.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-header h2 {
    font-size: clamp(1.5rem, 2.2vw, 2.2rem);
    color: var(--bg-dark-green);
    letter-spacing: 0.5px;
}

/* --- LÍNEA DE TIEMPO / STEPPER HORIZONTAL (ESCRITORIO) --- */
.stepper-timeline {
    position: relative;
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1.5rem;
    align-items: flex-start;
}

/* Línea horizontal de fondo que conecta los círculos en desktop */
.stepper-timeline::before {
    content: '';
    position: absolute;
    top: 25px; /* Alineado al centro vertical de los círculos (50px / 2) */
    left: 5%;
    right: 5%;
    height: 2px;
    background-color: var(--bg-dark-green);
    z-index: 1;
}

.step-item {
    position: relative;
    z-index: 2;
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.step-circle {
    width: 50px;
    height: 50px;
    background-color: var(--bg-dark-green);
    color: #ffffff;
    font-family: var(--font-title);
    font-size: 1.15rem;
    font-weight: 600;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    box-shadow: 0 4px 10px rgba(10, 38, 29, 0.15);
    transition: transform 0.3s ease;
}

.step-item:hover .step-circle {
    transform: scale(1.08);
    background-color: #12382b;
}

.step-content h3 {
    font-size: 0.95rem;
    color: var(--bg-dark-green);
    margin-bottom: 0.6rem;
    letter-spacing: 0.5px;
    line-height: 1.3;
}

.step-content p {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.5;
    max-width: 220px;
    margin: 0 auto;
}


/* --- RESPONSIVE MEDIA QUERIES (TABLETS Y MÓVILES) --- */
@media (max-width: 1024px) {
    .stepper-timeline {
        grid-template-columns: repeat(3, 1fr);
        gap: 2.5rem 1.5rem;
    }
    .stepper-timeline::before {
        display: none; /* Oculta la línea horizontal en pantallas medianas/pequeñas para evitar quiebres */
    }
}

@media (max-width: 768px) {
    .stepper-timeline {
        display: flex;
        flex-direction: column;
        gap: 2.5rem;
        padding-left: 1rem;
    }
    .stepper-timeline::before {
        display: block;
        top: 0;
        bottom: 0;
        left: 34px; /* Alineado con el centro del círculo de 50px + padding */
        right: auto;
        width: 2px;
        height: 100%;
    }
    .step-item {
        flex-direction: row;
        text-align: left;
        align-items: flex-start;
        gap: 1.5rem;
    }
    .step-circle {
        flex-shrink: 0;
        margin-bottom: 0;
    }
    .step-content p {
        max-width: 100%;
    }
    .accompaniment-section {
        padding: 3rem 1rem;
    }
}




.body5 {
    font-family: var(--font-body);
    color: #333333;
    background-color: #f8faf9;
  }

  /* ==========================================
     --- SECCIÓN 1: PROCESO ---
     ========================================== */
  .process-section {
    background: linear-gradient(135deg, var(--bg-dark) 0%, var(--bg-accent) 100%);
    color: var(--text-white);
    padding: 60px 20px;
  }

  .process-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: center;
  }

  @media (min-width: 992px) {
    .process-container {
      grid-template-columns: 1.2fr 2fr;
    }
  }

  .process-header h2 {
    font-family: var(--font-heading);
    font-size: 2.2rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    line-height: 1.2;
    margin-bottom: 12px;
    text-transform: uppercase;
  }

  .process-header h2 span {
    color: var(--text-gold);
    display: block;
  }

  .process-header p {
    font-family: var(--font-body);
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.6;
  }

  .process-steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: 24px;
  }

  @media (min-width: 600px) {
    .process-steps {
      grid-template-columns: repeat(3, 1fr);
      gap: 0;
    }
  }

  .step-card {
    text-align: center;
    position: relative;
    padding: 10px 20px;
  }

  /* Líneas divisorias en color #87948e */
  @media (min-width: 600px) {
    .step-card:not(:last-child)::after {
      content: '';
      position: absolute;
      right: 0;
      top: 15%;
      height: 70%;
      width: 1px;
      background-color: var(--border-divider);
    }
  }

  .step-icon {
    width: 50px;
    height: 50px;
    margin: 0 auto 16px;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .step-icon img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
  }

  .step-title {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    letter-spacing: 1px;
    color: var(--text-white);
    text-transform: uppercase;
    margin-bottom: 4px;
  }

  .step-desc {
    font-family: var(--font-body);
    font-size: 0.85rem;
    color: var(--text-muted);
  }

  /* ==========================================
     --- SECCIÓN 2: ASEGURADORAS ---
     ========================================== */
  .insurers-section {
    background-color: #f8faf9;
    padding: 60px 20px;
    text-align: center;
  }

  .insurers-container {
    max-width: 1200px;
    margin: 0 auto;
  }

  .insurers-header {
    margin-bottom: 35px;
  }

  .insurers-header h3 {
    font-family: var(--font-heading);
    font-size: 2rem;
    color: #111111;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 8px;
  }

  .insurers-header p {
    font-family: var(--font-body);
    color: #666666;
    font-size: 0.95rem;
  }

  /* Flexbox para centrar automáticamente los logos en la segunda fila */
  .insurers-card {
    background: var(--card-bg);
    border-radius: 12px;
    padding: 40px 30px;
    box-shadow: var(--card-shadow);
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 30px 40px;
  }

  .insurer-logo {
    flex: 0 1 calc(20% - 32px);
    min-width: 140px;
    max-width: 160px;
    height: 65px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.3s ease, filter 0.3s ease;
  }

  .insurer-logo img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
    display: block;
    filter: grayscale(15%);
    opacity: 0.9;
  }

  .insurer-logo:hover img {
    filter: grayscale(0%);
    opacity: 1;
    transform: scale(1.05);
  }

  /* Adaptabilidad a pantallas medianas y móviles */
  @media (max-width: 992px) {
    .insurer-logo {
      flex: 0 1 calc(33.333% - 27px);
    }
  }

  @media (max-width: 576px) {
    .insurer-logo {
      flex: 0 1 calc(50% - 20px);
    }
  }








  .body6 {
    font-family: var(--font-body);
    background-color: #f9f8f6;
    color: #222222;
    line-height: 1.6;
    padding: 2rem 1rem;
}

h1, h2, h3, h4 {
    font-family: var(--font-title);
    text-transform: uppercase;
}

.section-container {
    max-width: 1400px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    align-items: flex-start;
}

/* --- FORMULARIO (COLUMNA IZQUIERDA) --- */
.form-card {
    background-color: var(--bg-dark-green);
    color: var(--text-light);
    padding: 2.5rem;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.15);
    width: 100%;
}

.form-card h2 {
    font-size: clamp(1.3rem, 2vw, 1.8rem);
    margin-bottom: 0.8rem;
    letter-spacing: 0.5px;
}

.form-card p.form-subtitle {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 1.8rem;
    line-height: 1.5;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-bottom: 1rem;
}

.form-group {
    margin-bottom: 1rem;
    width: 100%;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-control {
    width: 100%;
    padding: 0.85rem 1rem;
    background-color: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.25);
    border-radius: 4px;
    color: var(--text-light);
    font-family: var(--font-body);
    font-size: 0.9rem;
    outline: none;
    transition: border-color 0.3s ease, background 0.3s ease;
}

.form-control::placeholder {
    color: #a3b8ad;
}

.form-control:focus {
    border-color: var(--accent-gold);
    background-color: rgba(255, 255, 255, 0.12);
}

select.form-control option {
    background-color: var(--bg-dark-green);
    color: var(--text-light);
}

textarea.form-control {
    resize: vertical;
    min-height: 100px;
}

.form-footer-row {
    display: flex;
    flex-direction: column;
    gap: 1.2rem;
    margin-top: 1.5rem;
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    font-size: 0.85rem;
    color: var(--text-muted);
    cursor: pointer;
}

.checkbox-group input {
    accent-color: var(--accent-gold);
    width: 16px;
    height: 16px;
    cursor: pointer;
    margin-top: 3px;
    flex-shrink: 0;
}

.checkbox-group a {
    color: var(--accent-gold);
    text-decoration: underline;
    transition: color 0.2s ease;
}

.checkbox-group a:hover {
    color: #d4af37;
}

.btn-gold {
    background-color: var(--accent-gold);
    color: #ffffff;
    border: none;
    padding: 0.9rem 2rem;
    font-family: var(--font-title);
    font-size: 1rem;
    font-weight: 600;
    letter-spacing: 0.5px;
    border-radius: 4px;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    transition: background 0.3s ease, transform 0.2s ease;
    text-transform: uppercase;
    width: 100%;
}

.btn-gold:hover {
    background-color: #b5904d;
    transform: translateY(-2px);
}

.form-disclaimer {
    font-size: 0.75rem;
    color: #a3b8ad;
    text-align: center;
    margin-top: 1rem;
    line-height: 1.4;
}


/* --- PREGUNTAS FRECUENTES / ACCORDION (COLUMNA DERECHA) --- */
.faq-section {
    background-color: #ffffff;
    padding: 2.5rem;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    width: 100%;
}

.faq-section h2 {
    font-size: clamp(1.2rem, 1.6vw, 1.6rem);
    color: var(--bg-dark-green);
    margin-bottom: 1.8rem;
    letter-spacing: 0.5px;
}

.accordion {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.accordion-item {
    background-color: #ffffff;
    border: 1px solid #e0e0e0;
    border-radius: 6px;
    overflow: hidden;
    transition: border-color 0.3s ease, box-shadow 0.3s ease;
}

.accordion-item.active {
    border-color: var(--accent-gold);
    box-shadow: 0 4px 12px rgba(197, 160, 89, 0.15);
}

.accordion-header {
    width: 100%;
    background: none;
    border: none;
    padding: 1.1rem 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    text-align: left;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--bg-dark-green);
    cursor: pointer;
    gap: 1rem;
}

.accordion-header span {
    flex: 1;
}

.accordion-icon {
    color: var(--accent-gold);
    font-size: 1.2rem;
    font-weight: bold;
    transition: transform 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    flex-shrink: 0;
}

.accordion-item.active .accordion-icon {
    transform: rotate(45deg);
}

.accordion-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0, 1, 0, 1);
    background-color: #faf9f6;
}

.accordion-content {
    padding: 1.25rem;
    font-size: 0.88rem;
    color: #555555;
    line-height: 1.6;
    border-top: 1px solid #eeeeee;
}


/* --- RESPONSIVE MEDIA QUERIES --- */
@media (max-width: 1024px) {
    .section-container {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
}

@media (max-width: 600px) {
    body {
        padding: 1rem 0.5rem;
    }
    .form-grid {
        grid-template-columns: 1fr;
    }
    .form-group.full-width {
        grid-column: span 1;
    }
    .form-card, .faq-section {
        padding: 1.5rem 1rem;
    }
}