/* =========================================================
   Seguros en Claro · estilos
   Tema claro suave (crema) y tema oscuro (grises suaves).
   Sin blanco puro ni negro puro.
   ========================================================= */
:root {
  --bg: #f1ede4;
  --bg-alt: #e9e4d8;
  --surface: #f9f7f1;
  --surface-2: #f3f0e7;
  --text: #272d33;
  --muted: #4f5a63;
  --heading: #1d4468;
  --link: #1b5382;
  --btn: #1d4a6f;
  --btn-hover: #163a58;
  --btn-ink: #f6f4ee;
  --soft: #dde5eb;
  --border: #d5cfc0;
  --accent: #7a5c24;
  --note-bg: #f2e9cf;
  --note-bd: #bf9f48;
  --shadow: 0 1px 2px rgba(35, 45, 55, .08), 0 8px 24px rgba(35, 45, 55, .06);
  --pie-bg: #1f3a54;
  --pie-text: #d9e1e8;
  --pie-muted: #aebccb;
  --radio: 12px;
  --focus: #9a6b00;
}
:root[data-theme="oscuro"] {
  --bg: #181d23;
  --bg-alt: #1d232a;
  --surface: #222a32;
  --surface-2: #283139;
  --text: #d6dce1;
  --muted: #a2adb8;
  --heading: #a9c5de;
  --link: #8fb8dc;
  --btn: #36698f;
  --btn-hover: #3f77a1;
  --btn-ink: #eef2f5;
  --soft: #2b3640;
  --border: #36424d;
  --accent: #d0b36e;
  --note-bg: #38341f;
  --note-bd: #857538;
  --shadow: 0 1px 2px rgba(0, 0, 0, .25), 0 8px 24px rgba(0, 0, 0, .18);
  --pie-bg: #14191e;
  --pie-text: #ccd3da;
  --pie-muted: #9aa6b2;
  --focus: #e0b64f;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="claro"]):not([data-theme="oscuro"]) {
    --bg: #181d23;
    --bg-alt: #1d232a;
    --surface: #222a32;
    --surface-2: #283139;
    --text: #d6dce1;
    --muted: #a2adb8;
    --heading: #a9c5de;
    --link: #8fb8dc;
    --btn: #36698f;
    --btn-hover: #3f77a1;
    --btn-ink: #eef2f5;
    --soft: #2b3640;
    --border: #36424d;
    --accent: #d0b36e;
    --note-bg: #38341f;
    --note-bd: #857538;
    --shadow: 0 1px 2px rgba(0, 0, 0, .25), 0 8px 24px rgba(0, 0, 0, .18);
    --pie-bg: #14191e;
    --pie-text: #ccd3da;
    --pie-muted: #9aa6b2;
    --focus: #e0b64f;
  }
}

* { box-sizing: border-box; }
html { font-size: 100%; scroll-behavior: smooth; scroll-padding-top: 5rem; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--text);
  background: var(--bg);
  transition: background-color .2s ease, color .2s ease;
}
img, svg { max-width: 100%; }
.ico { flex: none; display: block; }
h1, h2, h3 { color: var(--heading); line-height: 1.25; letter-spacing: -0.01em; font-weight: 700; }
h1 { font-size: clamp(1.8rem, 1.3rem + 2.2vw, 2.7rem); margin: .3em 0 .5em; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.35rem, 1.15rem + 1vw, 1.75rem); margin: 2.2em 0 .6em; }
h3 { font-size: 1.15rem; margin: 1.6em 0 .4em; }
p, ul, ol { margin: 0 0 1.1em; }
li { margin-bottom: .4em; }
strong { font-weight: 650; }
a { color: var(--link); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }

.contenedor { width: 100%; max-width: 70rem; margin: 0 auto; padding: 0 1.25rem; }
.estrecho { max-width: 47rem; }
.saltar { position: absolute; left: -999px; top: 0; background: var(--surface); color: var(--text); padding: .6rem 1rem; z-index: 50; border-radius: 0 0 8px 0; }
.saltar:focus { left: 0; }

/* ---------- Cabecera ---------- */
.cabecera { position: sticky; top: 0; z-index: 20; background: var(--surface); border-bottom: 1px solid var(--border); box-shadow: 0 1px 0 rgba(0,0,0,.02); }
.cabecera-in { display: flex; align-items: center; gap: 1rem; min-height: 4.2rem; flex-wrap: wrap; }
.marca { display: inline-flex; align-items: center; gap: .6rem; text-decoration: none; color: var(--heading); font-weight: 700; font-size: 1.25rem; letter-spacing: -0.01em; margin-right: auto; padding: .5rem 0; }
.marca-ico { display: inline-grid; place-items: center; width: 2.2rem; height: 2.2rem; border-radius: 10px; background: var(--btn); color: var(--btn-ink); }
.marca-ico .ico { width: 1.3rem; height: 1.3rem; }
.marca-txt span { font-weight: 450; color: var(--muted); }
.acciones { display: flex; align-items: center; gap: .5rem; order: 2; }
.nav-principal { order: 1; }
.menu { list-style: none; display: flex; gap: .25rem; margin: 0; padding: 0; }
.menu li { margin: 0; }
.menu a { display: block; text-decoration: none; color: var(--text); font-size: 1rem; font-weight: 500; padding: .55rem .85rem; border-radius: 8px; }
.menu a:hover { background: var(--soft); }
.menu a[aria-current="page"] { background: var(--soft); color: var(--heading); font-weight: 650; }
.tema-btn, .menu-btn {
  display: inline-flex; align-items: center; gap: .5rem; font: inherit; font-size: .95rem; font-weight: 500; line-height: 1;
  color: var(--text); background: var(--surface-2); border: 1px solid var(--border); border-radius: 999px; padding: .6rem .95rem; cursor: pointer;
}
.tema-btn:hover, .menu-btn:hover { background: var(--soft); }
.tema-btn[hidden] { display: none; }
.menu-btn { display: none; }
.ico-sol { display: none; }
.tema-btn[data-modo="oscuro"] .ico-luna { display: none; }
.tema-btn[data-modo="oscuro"] .ico-sol { display: block; }

/* ---------- Etiquetas, botones ---------- */
.etiqueta { display: inline-flex; align-items: center; gap: .5rem; font-size: .85rem; font-weight: 650; letter-spacing: .04em; text-transform: uppercase; color: var(--accent); margin: 0 0 .4rem; }
.etiqueta .ico { width: 1.1rem; height: 1.1rem; }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 40rem; }
.boton { display: inline-flex; align-items: center; gap: .55rem; background: var(--btn); color: var(--btn-ink); text-decoration: none; padding: .8rem 1.4rem; border-radius: 10px; font-weight: 600; border: 1px solid transparent; }
.boton:hover { background: var(--btn-hover); color: var(--btn-ink); }
.boton.sec { background: transparent; color: var(--heading); border-color: var(--border); }
.boton.sec:hover { background: var(--soft); color: var(--heading); }

/* ---------- Portada ---------- */
.hero { padding: clamp(2.2rem, 6vw, 4.5rem) 0; background:
  radial-gradient(60rem 24rem at 85% -10%, var(--soft), transparent 70%), linear-gradient(180deg, var(--bg-alt), var(--bg)); border-bottom: 1px solid var(--border); }
.hero-in { display: grid; grid-template-columns: 1.25fr .9fr; gap: 2.5rem; align-items: center; }
.hero h1 { margin-top: .2em; }
.hero-acc { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.6rem; }
.hero-panel { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1.4rem 1.5rem; box-shadow: var(--shadow); }
.hero-panel h2 { margin: 0 0 .8rem; font-size: 1.05rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); }
.hero-panel ul { list-style: none; margin: 0; padding: 0; }
.hero-panel li { display: flex; align-items: center; gap: .8rem; padding: .7rem 0; margin: 0; border-top: 1px solid var(--border); }
.hero-panel li:first-child { border-top: 0; }
.hero-panel .ico { color: var(--accent); }

/* ---------- Bloques de portada ---------- */
.bloque { padding: clamp(2.2rem, 5vw, 3.6rem) 0; }
.bloque.alt { background: var(--bg-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.sec-t { margin: 0 0 .4em; }
.sec-s { color: var(--muted); max-width: 44rem; margin-bottom: 1.6rem; }
.cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-top: 1.4rem; }
.caja { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1.4rem; box-shadow: var(--shadow); }
.caja h3 { margin: .8rem 0 .4rem; }
.caja p { margin: 0; color: var(--muted); }
.caja-ico, .guia-ico, .callout-ico { display: inline-grid; place-items: center; width: 2.8rem; height: 2.8rem; border-radius: 10px; background: var(--soft); color: var(--heading); }

.guias { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem; }
.guia { position: relative; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1.5rem; margin: 0; box-shadow: var(--shadow); transition: transform .15s ease, border-color .15s ease; }
.guia:hover { border-color: var(--link); transform: translateY(-2px); }
.guia-dest { grid-column: 1 / -1; padding: 1.8rem; background: linear-gradient(135deg, var(--surface), var(--surface-2)); }
.guia-dest h3 { font-size: 1.5rem; }
.guias .guia:last-child:nth-child(even) { grid-column: 1 / -1; }
.guia h3 { margin: .3rem 0 .4rem; }
.guia h3 a { color: var(--heading); text-decoration: none; }
.guia h3 a::after { content: ""; position: absolute; inset: 0; border-radius: var(--radio); }
.guia h3 a:focus-visible { outline: none; }
.guia:has(h3 a:focus-visible) { outline: 3px solid var(--focus); outline-offset: 2px; }
.guia p { color: var(--muted); }
.guia-meta { font-size: .85rem; margin: 1rem 0 0; text-transform: uppercase; letter-spacing: .04em; font-weight: 600; color: var(--accent) !important; }
.guia-leer { display: inline-flex; align-items: center; gap: .4rem; margin: .4rem 0 0; font-weight: 600; color: var(--link) !important; }

.callout { display: flex; gap: 1.2rem; align-items: flex-start; background: var(--surface); border: 1px solid var(--border); border-left: 5px solid var(--btn); border-radius: var(--radio); padding: 1.6rem; box-shadow: var(--shadow); }
.callout h2 { margin: 0 0 .5em; font-size: 1.4rem; }
.callout p:last-child { margin-bottom: 0; }

.faq details { background: var(--surface); border: 1px solid var(--border); border-radius: 10px; margin: 0 0 .7rem; }
.faq summary { cursor: pointer; padding: 1rem 1.2rem; font-weight: 600; color: var(--heading); list-style: none; display: flex; justify-content: space-between; gap: 1rem; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--accent); }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 0; padding: 0 1.2rem 1.1rem; color: var(--muted); }

/* ---------- Páginas de texto (legales, sobre nosotros, contacto) ---------- */
.pagina { padding-top: clamp(1.8rem, 4vw, 3rem); padding-bottom: 3.5rem; }
.pagina h1 { padding-bottom: .5em; border-bottom: 1px solid var(--border); margin-bottom: .8em; }
.pagina h2 { margin-top: 1.9em; }
.correo { font-size: 1.25rem; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1.1rem 1.3rem; box-shadow: var(--shadow); }

/* ---------- Avisos ---------- */
.aviso { display: flex; gap: .8rem; align-items: flex-start; background: var(--note-bg); border: 1px solid var(--note-bd); border-radius: 10px; padding: .9rem 1.1rem; font-size: .96rem; line-height: 1.55; margin: 1.4rem 0; color: var(--text); }
.aviso .ico { margin-top: .15rem; color: var(--accent); width: 1.3rem; height: 1.3rem; }

/* ---------- Artículos ---------- */
.art-cab { background: linear-gradient(180deg, var(--bg-alt), var(--bg)); border-bottom: 1px solid var(--border); padding: 1.6rem 0 1.8rem; }
.art-cab h1 { margin-bottom: .4em; }
.migas { font-size: .9rem; color: var(--muted); margin: 0 0 1rem; }
.migas a { color: var(--muted); }
.meta { color: var(--muted); font-size: .95rem; margin: 0; }
.articulo { padding: 1.2rem 0 3.5rem; }
.articulo p, .articulo li { font-size: 1.0625rem; line-height: 1.8; }
.articulo h2 { padding-top: .9em; margin-top: 2em; border-top: 1px solid var(--border); }
.articulo h2:first-of-type { border-top: 0; }
.articulo h3 { color: var(--text); }
.articulo ul, .articulo ol { padding-left: 1.4rem; }
.articulo li::marker { color: var(--accent); }
.entradilla { font-size: 1.2rem !important; color: var(--muted); line-height: 1.65 !important; padding-left: 1.1rem; border-left: 4px solid var(--btn); }
.toc { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1.1rem 1.4rem; margin: 1.6rem 0; }
.toc-t { margin: 0 0 .5rem; font-weight: 700; color: var(--heading); font-size: .95rem; text-transform: uppercase; letter-spacing: .05em; }
.toc ol { margin: 0; padding-left: 1.3rem; }
.toc li { margin-bottom: .25rem; font-size: 1rem !important; line-height: 1.5 !important; }
.toc a { text-decoration: none; }
.toc a:hover { text-decoration: underline; }
.tabla-envoltorio { overflow-x: auto; margin: 0 0 1.4rem; border: 1px solid var(--border); border-radius: var(--radio); background: var(--surface); }
table { border-collapse: collapse; width: 100%; min-width: 34rem; font-size: .98rem; line-height: 1.55; }
th, td { padding: .8rem 1rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--border); }
tbody tr:last-child th, tbody tr:last-child td { border-bottom: 0; }
thead th { background: var(--soft); color: var(--heading); font-size: .9rem; text-transform: uppercase; letter-spacing: .04em; }
tbody th { color: var(--heading); font-weight: 650; white-space: nowrap; }
tbody tr:nth-child(even) { background: var(--surface-2); }
.relacionados, .fuentes { margin-top: 2.6rem; }
.rel-lista { list-style: none; padding: 0 !important; display: grid; grid-template-columns: repeat(auto-fit, minmax(13rem, 1fr)); gap: 1rem; }
.rel-card { position: relative; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: 1rem 1.1rem; margin: 0; box-shadow: var(--shadow); }
.rel-card:hover { border-color: var(--link); }
.rel-cat { display: block; font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; font-weight: 650; color: var(--accent); margin-bottom: .3rem; }
.rel-card a { font-weight: 600; text-decoration: none; line-height: 1.4; display: block; }
.rel-card a::after { content: ""; position: absolute; inset: 0; }
.fuentes { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: .2rem 1.4rem 1rem; }
.autoria { margin-top: 2.6rem; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radio); padding: .2rem 1.4rem 1rem; }
.autoria h2 { border-top: 0 !important; margin-top: 1rem !important; padding-top: 0 !important; }
.autoria p { font-size: 1rem; line-height: 1.55; }
.fuentes h2 { border-top: 0 !important; margin-top: 1rem !important; padding-top: 0 !important; }
.fuentes li { font-size: 1rem !important; line-height: 1.55 !important; overflow-wrap: anywhere; }

/* ---------- Pie ---------- */
.pie { background: var(--pie-bg); color: var(--pie-text); padding: 2.8rem 0 1.4rem; margin-top: 2rem; font-size: .97rem; line-height: 1.65; }
.pie a { color: var(--pie-text); text-underline-offset: 3px; }
.pie a:hover { color: #e6ebf0; }
.pie-in { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 2.2rem; }
.pie-marca { display: flex; align-items: center; gap: .6rem; font-weight: 700; font-size: 1.15rem; margin: 0 0 .6rem; color: #e6ebf0; }
.pie-marca .marca-ico { background: rgba(255,255,255,.12); }
.pie-t { font-weight: 650; color: #e6ebf0; margin: 0 0 .6rem; text-transform: uppercase; letter-spacing: .05em; font-size: .85rem; }
.pie ul { list-style: none; padding: 0; margin: 0; }
.pie li { margin: 0 0 .4rem; }
.pie-sobre p:last-child { color: var(--pie-muted); }
.pie-aviso { border-top: 1px solid rgba(255,255,255,.16); margin-top: 1.8rem; padding-top: 1rem; font-size: .88rem; color: var(--pie-muted); }
.pie-aviso p { margin: 0; }

/* ---------- Adaptación a pantallas pequeñas ---------- */
@media (max-width: 860px) {
  .hero-in { grid-template-columns: 1fr; gap: 1.8rem; }
  .cols { grid-template-columns: 1fr; }
  .pie-in { grid-template-columns: 1fr 1fr; }
  .pie-sobre { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  body { font-size: 1.0625rem; }
  .cabecera-in { gap: .5rem; }
  .marca { font-size: 1.1rem; gap: .5rem; }
  .marca-ico { width: 2rem; height: 2rem; }
  .acciones { gap: .4rem; }
  .menu-btn { display: inline-flex; padding: .6rem .8rem; }
  .tema-txt { display: none; }
  .tema-btn { padding: .65rem; }
  .nav-principal { order: 3; width: 100%; }
  .menu { display: none; flex-direction: column; gap: 0; padding: .4rem 0 .8rem; border-top: 1px solid var(--border); }
  .menu.abierto { display: flex; }
  .menu a { padding: .85rem .5rem; border-radius: 8px; font-size: 1.05rem; }
  .guias { grid-template-columns: 1fr; }
  .guia-dest h3 { font-size: 1.3rem; }
  .callout { flex-direction: column; gap: .8rem; padding: 1.3rem; }
  .pie-in { grid-template-columns: 1fr; }
  .hero-acc .boton { width: 100%; justify-content: center; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
  .guia:hover { transform: none; }
}
@media print {
  .cabecera, .pie, .toc, .tema-btn { display: none; }
  body { background: #fff; color: #000; }
}