main {
    padding-top: 90px;
}
 


:root {
  --primary-green: #0b3c26;
  --dark-green: #062316;
  --accent-gold: #c29b53;
  --text-dark: #1f2522;
  --text-muted: #5e6561;
  --bg-cream: #faf7f2;
  --white: #ffffff;
  
  --font-heading: 'Oswald', sans-serif;
  --font-body: 'Montserrat', sans-serif;

  --bg-content: #f8f7f3;
  --bg-card: #fbfbfa;
  --border-gray: #e8eae9;

  --bg-dark-green: #072a1e;
      --gold-accent: #c29b38;
      --gold-button: #be9238;
      --gold-hover: #a87f2d;
     
}

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-cream);
  color: var(--text-dark);
  overflow-x: hidden;
  line-height: 1.5;
;
}

/* ==========================================
   1. HERO SECTION
   ========================================== */
.hero-section-vd {
  position: relative;
  background-color: var(--primary-green);
  color: var(--white);
  min-height: 440px;
  overflow: hidden;
}

.hero-bg-image-vd {
  position: absolute;
  right: 0;
  top: 0;
  width: 65%;
  height: 100%;
  z-index: 1;
}

.hero-bg-image-vd img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center right;
}

.hero-container-vd {
  position: relative;
  z-index: 2;
  max-width: 1340px;
  margin: 0 auto;
  padding: 40px 20px 60px 20px;
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.hero-content {
  padding-left: 10%;
  padding-right: 20px;
}

.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 15px;
  font-weight: 400;
}

.breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: color 0.2s ease;
}

.breadcrumb a:hover {
  color: var(--accent-gold);
  text-decoration: underline;
}

.breadcrumb span {
  color: var(--accent-gold);
}

.hero-title {
  font-family: var(--font-heading);
  font-size: 3.8rem;
  line-height: 1.05;
  color: var(--accent-gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 15px;
  font-weight: 700;
}

.hero-subtitle {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  line-height: 1.25;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 18px;
  color: var(--white);
  font-weight: 600;
}

.hero-description {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 25px;
  max-width: 440px;
  font-weight: 300;
}

.hero-actions {
  display: flex;
  gap: 15px;
  align-items: center;
}

.btn-gold {
  background-color: var(--accent-gold);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  text-transform: uppercase;
  padding: 12px 24px;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  letter-spacing: 0.5px;
  transition: background-color 0.3s ease;
}

.btn-gold:hover {
  background-color: #b08a43;
}

.btn-outline {
  border: 1px solid rgba(255, 255, 255, 0.6);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  text-transform: uppercase;
  padding: 12px 24px;
  background: transparent;
  border-radius: 4px;
  cursor: pointer;
  text-decoration: none;
  font-weight: 500;
  letter-spacing: 0.5px;
  transition: background 0.3s ease;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.1);
}

/* ==========================================
   2. FEATURE BAR
   ========================================== */
.features-bar {
  background-color: var(--dark-green);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 18px 0;
  position: relative;
  z-index: 3;
}

.features-container {
  max-width: 1240px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 0 20px;
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 0 15px;
  position: relative;
}

.feature-item:not(:last-child)::after {
  content: "";
  position: absolute;
  right: 0;
  top: 15%;
  height: 70%;
  width: 1px;
  background-color: rgba(255, 255, 255, 0.15);
}

.feature-icon {
  width: 32px;
  height: 32px;
  object-fit: contain;
  flex-shrink: 0;
}

.feature-title {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  line-height: 1.2;
  font-weight: 600;
}

/* ==========================================
   3. ABOUT SECTION
   ========================================== */
.about-section {
  max-width: 1340px;
  margin: 0 auto;
  padding: 50px 20px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  align-items: center;
}

.about-left {
  padding-left: 4%;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.section-tag-line {
  width: 40px;
  height: 3px;
  background-color: var(--accent-gold);
  margin-bottom: 12px;
}

.about-subtitle {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  color: var(--primary-green);
  text-transform: uppercase;
  font-weight: 500;
  line-height: 1.1;
}

.about-title {
  font-family: var(--font-heading);
  font-size: 2.8rem;
  color: var(--primary-green);
  text-transform: uppercase;
  font-weight: 700;
  line-height: 1.05;
  margin-bottom: 18px;
}

.about-description {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.55;
  max-width: 480px;
}

.about-right-card {
  position: relative;
  width: 100%;
  min-height: 280px;
  border-radius: 6px;
  overflow: hidden;
  display: flex;
  align-items: center;
}

.about-card-bg {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
}

.about-card-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.about-card-overlay {
  position: relative;
  z-index: 2;
  padding: 24px 18px;
  max-width: 65%;
}

.highlight-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Línea divisora ajustada a 90px para cubrir las 4 líneas */
.divider-line {
  width: 3px;
  height: 90px;
  background-color: var(--accent-gold);
  flex-shrink: 0;
}

.highlight-title {
  font-family: var(--font-heading);
  font-size: 1.08rem;
  color: var(--primary-green);
  text-transform: uppercase;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: 0.5px;
}

/* ==========================================
   4. RESPONSIVE DESIGN
   ========================================== */
@media (max-width: 992px) {
  .hero-container {
    grid-template-columns: 1fr;
    padding-top: 30px;
  }

  .hero-content {
    padding-left: 0;
  }

  .hero-bg-image-vd {
    position: relative;
    width: 100%;
    height: 250px;
  }

  .features-container {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }

  .feature-item::after {
    display: none;
  }

  .about-section {
    grid-template-columns: 1fr;
    padding: 40px 20px;
    gap: 25px;
  }

  .about-left {
    padding-left: 0;
  }

  .about-right-card {
    min-height: 220px;
  }

  .about-card-overlay {
    max-width: 85%;
  }
}

@media (max-width: 576px) {
  .hero-title {
    font-size: 2.8rem;
  }

  .hero-subtitle {
    font-size: 1.1rem;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .features-container {
    grid-template-columns: 1fr;
  }

  .about-title {
    font-size: 2.2rem;
  }

  .about-card-overlay {
    max-width: 100%;
    padding: 15px;
  }

  .highlight-title {
    font-size: 0.95rem;
  }

  .divider-line {
    height: 78px;
  }
}


    .coberturas-div {
        background-color: var(--bg-content);
        font-family: var(--font-body);
        color: var(--text-dark);
        padding: 40px 20px;
        display: flex;
        justify-content: center;
    }


    /* Main Container */
    .coberturas-container {
        max-width: 1200px;
        width: 100%;
        background-color: var(--bg-content);
        padding: 20px;

       

      }
  
      /* Header Layout */
      .coberturas-header {
        display: flex;
        justify-content: space-between;
        align-items: baseline;
        flex-wrap: wrap;
        gap: 15px;
        margin-bottom: 30px;
      }
  
      .coberturas-title {
        font-family: var(--font-title);
        font-size: 2rem;
        font-weight: 700;
        letter-spacing: 0.5px;
        text-transform: uppercase;
        color: var(--text-dark);
      }
  
      .coberturas-subtitle {
        font-family: var(--font-body);
        font-size: 0.85rem;
        font-weight: 600;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        color: var(--text-muted);
      }
  
      /* Grid layout with horizontal dividing lines (#e8eae9) */
      .coberturas-grid {
        display: grid;
        grid-template-columns: repeat(5, 1fr);
        background-color: var(--bg-card);
        border-radius: 4px;
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
        overflow: hidden;
      }
  
      .cobertura-card {
        background-color: var(--bg-card);
        padding: 35px 20px 40px;
        text-align: center;
        display: flex;
        flex-direction: column;
        align-items: center;
        position: relative;
      }
  
      /* Line divider (#e8eae9) between grid items */
      .cobertura-card:not(:last-child)::after {
        content: "";
        position: absolute;
        right: 0;
        top: 15%;
        height: 70%;
        width: 1px;
        background-color: var(--border-gray);
      }
  
      /* Icon Container & Images */
      .icon-wrapper {
        width: 110px;
        height: 110px;
        margin-bottom: 25px;
        display: flex;
        align-items: center;
        justify-content: center;
      }
  
      .icon-wrapper img {
        width: 100%;
        height: 100%;
        object-fit: contain;
      }
  
      /* Card Content Typography */
      .cobertura-card h3 {
        font-family: var(--font-title);
        font-size: 1.15rem;
        font-weight: 600;
        text-transform: uppercase;
        line-height: 1.2;
        letter-spacing: 0.5px;
        margin-bottom: 15px;
        color: var(--text-dark);
        min-height: 2.4em;
        display: flex;
        align-items: center;
        justify-content: center;
      }
  
      .cobertura-card p {
        font-family: var(--font-body);
        font-size: 0.88rem;
        line-height: 1.45;
        color: var(--text-muted);
        font-weight: 400;
      }
  
      /* Responsive Adaptation for Tablets and Mobile Devices */
      @media (max-width: 992px) {
        .coberturas-grid {
          grid-template-columns: repeat(3, 1fr);
        }
        .cobertura-card:nth-child(3)::after {
          display: none;
        }
        .cobertura-card {
          border-bottom: 1px solid var(--border-gray);
        }
      }
  
      @media (max-width: 600px) {
        .coberturas-header {
          flex-direction: column;
          align-items: flex-start;
          gap: 5px;
        }
  
        .coberturas-grid {
          grid-template-columns: 1fr;
        }
  
        .cobertura-card::after {
          display: none !important;
        }
  
        .cobertura-card {
          border-bottom: 1px solid var(--border-gray);
          padding: 25px 15px;
        }
  
        .cobertura-card:last-child {
          border-bottom: none;
        }
  
        .cobertura-card h3 {
          min-height: auto;
        }
      }


      .porque-div {
        background-color: var(--bg-content);
        font-family: var(--font-body);
        color: var(--text-dark);
        padding: 40px 20px;
        display: flex;
        justify-content: center;
      }


    /* Main Container */
    .por-que-container {
        max-width: 1200px;
        width: 100%;
        background-color: var(--bg-content);
        padding: 20px;
      }
  
      /* Header */
      .por-que-header {
        display: flex;
        justify-content: space-between;
        align-items: baseline;
        flex-wrap: wrap;
        gap: 15px;
        margin-bottom: 35px;
      }
  
      .por-que-title {
        font-family: var(--font-title);
        font-size: 2.2rem;
        font-weight: 700;
        letter-spacing: 0.5px;
        text-transform: uppercase;
        color: var(--text-dark);
      }
  
      .por-que-subtitle {
        font-family: var(--font-body);
        font-size: 0.88rem;
        font-weight: 600;
        letter-spacing: 1.5px;
        text-transform: uppercase;
        color: var(--text-muted);
      }
  
      /* 4-Column Grid Layout */
      .por-que-grid {
        display: grid;
        grid-template-columns: repeat(4, 1fr);
        gap: 20px;
      }
  
      /* Card Styling */
      .por-que-card {
        background-color: var(--bg-card);
        border-radius: 8px;
        overflow: hidden;
        box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04);
        display: flex;
        flex-direction: column;
        transition: transform 0.3s ease, box-shadow 0.3s ease;
      }
  
      .por-que-card:hover {
        transform: translateY(-5px);
        box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
      }
  
      /* Card Header / Image & Icon Overlay */
      .card-media {
        position: relative;
        width: 100%;
        height: 200px;
      }
  
      .card-media img.hero-img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        display: block;
      }
  
      /* Icon Floating Badge */
      .icon-badge {
        position: absolute;
        bottom: -28px;
        left: 20px;
        width: 56px;
        height: 56px;
        border-radius: 50%;
        background-color: var(--bg-card);
        padding: 3px;
        box-shadow: 0 2px 8px rgba(0, 0, 0, 0.12);
        z-index: 2;
      }
  
      .icon-badge img {
        width: 100%;
        height: 100%;
        object-fit: contain;
        border-radius: 50%;
      }
  
      /* Card Body Content */
      .card-body {
        padding: 40px 20px 25px 20px;
        display: flex;
        flex-direction: column;
        flex-grow: 1;
      }
  
      .card-body h3 {
        font-family: var(--font-title);
        font-size: 1.15rem;
        font-weight: 600;
        text-transform: uppercase;
        line-height: 1.25;
        letter-spacing: 0.5px;
        margin-bottom: 12px;
        color: var(--text-dark);
        min-height: 2.5em;
        display: flex;
        align-items: flex-end;
      }
  
      .card-body p {
        font-family: var(--font-body);
        font-size: 0.88rem;
        line-height: 1.5;
        color: var(--text-muted);
        font-weight: 400;
      }
  
      /* Responsive Breakdown */
      @media (max-width: 992px) {
        .por-que-grid {
          grid-template-columns: repeat(2, 1fr);
          gap: 25px;
        }
      }
  
      @media (max-width: 576px) {
        .por-que-header {
          flex-direction: column;
          align-items: flex-start;
          gap: 5px;
        }
  
        .por-que-grid {
          grid-template-columns: 1fr;
          gap: 25px;
        }
  
        .card-body h3 {
          min-height: auto;
        }
      }

      


    /* ==========================================
       --- 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);
        }
      }

      


    /* ==========================================
       --- SECCIÓN FAQS & FORMULARIO ---
       ========================================== */
       .section-main {
        max-width: 1280px;
        margin: 0 auto;
        padding: 50px 20px;
      }
  
      .grid-container {
        display: grid;
        grid-template-columns: 1fr;
        gap: 30px;
        align-items: stretch;
      }
  
      @media (min-width: 992px) {
        .grid-container {
          grid-template-columns: 1fr 1fr;
        }
      }
  
      .main-heading {
        font-family: var(--font-heading);
        font-size: 2.2rem;
        font-weight: 700;
        color: var(--text-dark);
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-bottom: 20px;
      }
  
      /* FAQs - Acordeón Dropdown */
      .faq-wrapper {
        display: flex;
        flex-direction: column;
        height: 100%;
      }
  
      .faq-list {
        display: flex;
        flex-direction: column;
        gap: 12px;
        justify-content: space-between;
        height: 100%;
      }
  
      .faq-item {
        border: 1px solid var(--border-gray);
        border-radius: 8px;
        background-color: #ffffff;
        overflow: hidden;
        box-shadow: 0 2px 4px rgba(0,0,0,0.02);
      }
  
      .faq-btn {
        width: 100%;
        padding: 16px 20px;
        background: none;
        border: none;
        display: flex;
        justify-content: space-between;
        align-items: center;
        font-family: var(--font-body);
        font-size: 0.95rem;
        font-weight: 600;
        color: #2b2b2b;
        cursor: pointer;
        text-align: left;
      }
  
      .faq-btn span.icon {
        font-size: 1.3rem;
        font-weight: 400;
        color: #555555;
        margin-left: 10px;
        transition: transform 0.3s ease;
      }
  
      .faq-answer {
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease, padding 0.3s ease;
        background-color: #fcfcfc;
      }
  
      .faq-item.active .faq-answer {
        max-height: 180px;
        padding: 0 20px 16px 20px;
        border-top: 1px solid #f0f0f0;
      }
  
      .faq-answer p {
        font-size: 0.88rem;
        color: #555555;
        line-height: 1.5;
        margin-top: 10px;
      }
  
      .faq-item.active .faq-btn span.icon {
        transform: rotate(45deg);
      }
  
      /* Formulario Verde */
      .form-card {
        background-color: var(--bg-dark-green);
        border-radius: 12px;
        padding: 35px 30px;
        color: var(--text-white);
        display: flex;
        flex-direction: column;
        justify-content: space-between;
        box-shadow: 0 8px 20px rgba(0,0,0,0.15);
      }
  
      .form-title {
        font-family: var(--font-heading);
        font-size: 2rem;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-bottom: 6px;
        color: var(--text-white);
      }
  
      .form-subtitle {
        font-size: 0.9rem;
        color: #d1ded9;
        margin-bottom: 25px;
        font-weight: 400;
      }
  
      .form-grid {
        display: grid;
        grid-template-columns: 1fr;
        gap: 15px;
      }
  
      @media (min-width: 576px) {
        .form-grid {
          grid-template-columns: 1fr 1fr;
        }
        .form-grid .full-width {
          grid-column: span 2;
        }
      }
  
      .input-field {
        width: 100%;
        background: transparent;
        border: 1px solid #1a4d3a;
        border-radius: 6px;
        padding: 14px 16px;
        font-family: var(--font-body);
        font-size: 0.88rem;
        color: var(--text-white);
        outline: none;
        transition: border-color 0.3s ease;
      }
  
      .input-field::placeholder {
        color: #a3c2b5;
      }
  
      .input-field:focus {
        border-color: var(--gold-accent);
      }
  
      .form-footer {
        display: flex;
        flex-direction: column;
        gap: 15px;
        margin-top: 20px;
        align-items: center;
      }
  
      @media (min-width: 576px) {
        .form-footer {
          flex-direction: row;
          justify-content: space-between;
        }
      }
  
      .checkbox-container {
        display: flex;
        align-items: center;
        gap: 10px;
        font-size: 0.85rem;
        color: #ffffff;
      }
  
      .checkbox-container input[type="checkbox"] {
        width: 18px;
        height: 18px;
        accent-color: var(--gold-button);
        cursor: pointer;
      }
  
      .checkbox-container a {
        color: var(--gold-accent);
        text-decoration: underline;
        font-weight: 600;
      }
  
      .btn-submit {
        background-color: var(--gold-button);
        color: var(--text-white);
        font-family: var(--font-heading);
        font-size: 1.1rem;
        font-weight: 700;
        letter-spacing: 1px;
        padding: 12px 35px;
        border: none;
        border-radius: 6px;
        cursor: pointer;
        text-transform: uppercase;
        display: inline-flex;
        align-items: center;
        gap: 8px;
        transition: background-color 0.3s ease;
        width: 100%;
        justify-content: center;
      }
  
      @media (min-width: 576px) {
        .btn-submit {
          width: auto;
        }
      }
  
      .btn-submit:hover {
        background-color: var(--gold-hover);
      }
  
      /* ==========================================
         --- SECCIÓN BANNER INFERIOR ---
         ========================================== */
      .hero-banner {
        position: relative;
        /* Se eliminó el gradiente superpuesto; la imagen se muestra limpia */
        background: url('../images/seguros/Talento Empresa.webp') center/cover no-repeat;
        padding: 50px 20px;
        color: var(--text-white);
      }
  
      .banner-container {
        max-width: 1280px;
        margin: 0 auto;
        display: flex;
        flex-direction: column;
        gap: 30px;
        align-items: center;
        justify-content: space-between;
      }
  
      @media (min-width: 992px) {
        .banner-container {
          flex-direction: row;
        }
      }
  
      .banner-content {
        max-width: 600px;
      }
  
      .banner-title {
        font-family: var(--font-heading);
        font-size: 2.2rem;
        font-weight: 700;
        line-height: 1.15;
        text-transform: uppercase;
        margin-bottom: 25px;
        letter-spacing: 0.5px;
      }
  
      .btn-banner {
        background-color: var(--gold-button);
        color: var(--text-white);
        font-family: var(--font-heading);
        font-size: 1.05rem;
        font-weight: 700;
        letter-spacing: 1px;
        padding: 12px 28px;
        border: none;
        border-radius: 6px;
        text-transform: uppercase;
        cursor: pointer;
        display: inline-flex;
        align-items: center;
        gap: 8px;
        text-decoration: none;
        transition: background-color 0.3s ease;
      }
  
      .btn-banner:hover {
        background-color: var(--gold-hover);
      }
  
      .banner-features {
        display: flex;
        flex-direction: column;
        gap: 20px;
      }
  
      .feature-item {
        display: flex;
        align-items: center;
        gap: 15px;
      }
  
      .feature-icon {
        width: 42px;
        height: 42px;
        object-fit: contain;
        flex-shrink: 0;
      }
  
      .feature-text {
        font-family: var(--font-heading);
        font-size: 1.25rem;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        color: var(--text-white);
      }