:root {
      --navy: #103b61;
      --cyan: #00bbf2;
      --alt: #f4f7fa;
      --footer: #081730;
      --copy-bg: #050e1f;
    }
    body { font-family: 'Source Sans Pro', Arial, sans-serif; background: var(--alt); }

    /* NAVBAR */
    .navbar-main { background: var(--navy); padding: 0; }
    .navbar-main .navbar-brand { color: var(--cyan)!important; font-weight: 700; font-size: 1.2rem; }
    .navbar-main .nav-link { color: rgba(255,255,255,.8)!important; font-size: .67rem; font-weight: 600; letter-spacing: .05em; padding: 6px 8px; border-bottom: 2px solid transparent; }
    .navbar-main .nav-link.active { color: var(--cyan)!important; border-bottom-color: var(--cyan); }
    .navbar-main .navbar-toggler { border-color: rgba(255,255,255,.3); }
    .navbar-main .navbar-toggler-icon { background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' width='30' height='30' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255,255,255,0.8)' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e"); }

    /* HERO */
    .hero {
      background: linear-gradient(135deg,rgba(8,23,48,.78) 0%,rgba(16,59,97,.62) 100%),
                  url('../img/header4.jpg') center 40%/cover no-repeat;
      padding: 72px 0 56px;
    }
    .hero#automotor {
      background: linear-gradient(135deg,rgba(8,23,48,.78) 0%,rgba(16,59,97,.62) 100%),
                  url('../img/header1.jpg') center 40%/cover no-repeat;
    }
    .hero#hogar {
      background: linear-gradient(135deg,rgba(8,23,48,.78) 0%,rgba(16,59,97,.62) 100%),
                  url('../img/header3.jpg') center 40%/cover no-repeat;
    }

    .hero .badge-pill-custom {
      display: inline-block; background: rgba(0,187,242,.15); border: 1px solid rgba(0,187,242,.35);
      border-radius: 20px; padding: 4px 14px; font-size: .72rem; font-weight: 600;
      color: var(--cyan); letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px;
    }
    .hero h1 { font-size: clamp(1.8rem,5vw,3rem); font-weight: 700; color: #fff; line-height: 1.15; }
    .hero p { font-size: 1.05rem; color: rgba(255,255,255,.85); line-height: 1.75; max-width: 660px; }
    .btn-cta-hero {
      display: inline-flex; align-items: center; gap: 8px; background: var(--cyan);
      color: #fff; font-weight: 700; font-size: 1rem; padding: 13px 28px;
      border-radius: 10px; text-decoration: none;
    }
    .btn-cta-hero:hover { background: #009fd4; color: #fff; }

    /* INTRO CARDS */
    .intro-card {
      background: #fff; border-radius: 12px; box-shadow: 0 2px 16px rgba(16,59,97,.08);
      padding: 2rem; height: 100%;
    }
    .intro-card .section-tag { font-size: .72rem; font-weight: 700; color: var(--cyan); text-transform: uppercase; letter-spacing: .1em; }
    .intro-card h2 { font-size: 1.25rem; font-weight: 700; color: var(--navy); }
    .intro-card p { font-size: .93rem; color: #374151; line-height: 1.75; }
    .who-box { background: rgba(0,187,242,.07); border: 1px solid rgba(0,187,242,.3); border-radius: 10px; padding: 18px 20px; }
    .who-box p { font-size: .82rem; font-weight: 700; color: var(--navy); margin-bottom: 14px; }
    .check-item { display: flex; align-items: flex-start; gap: 8px; font-size: .88rem; color: #374151; line-height: 1.55; margin-bottom: 10px; }
    .check-item svg { flex-shrink: 0; margin-top: 2px; }

    /* SECTION HEADING */
    .section-heading { border-left: 4px solid var(--cyan); padding-left: 14px; margin-bottom: 28px; }
    .section-heading .tag { font-size: .72rem; font-weight: 700; color: var(--cyan); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 4px; }
    .section-heading h2 { font-size: 1.5rem; font-weight: 700; color: var(--navy); margin: 0; }

    /* COVERAGE CARDS */
    .coverage-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(290px,1fr)); gap: 20px; }
    .cov-card {
      background: #fff; border-radius: 12px; box-shadow: 0 2px 16px rgba(16,59,97,.08);
      padding: 1.75rem; display: flex; flex-direction: column;
    }
    .cov-icon { width: 42px; height: 42px; border-radius: 10px; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
    .cov-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .cov-card .cov-intro { font-size: .88rem; color: #374151; line-height: 1.65; margin-bottom: 14px; }
    .cov-card ul { list-style: none; padding: 0; margin: 0 0 14px; }
    .cov-card ul li { display: flex; align-items: flex-start; gap: 8px; font-size: .85rem; color: #4b5563; line-height: 1.5; margin-bottom: 8px; }
    .cov-card ul li svg { flex-shrink: 0; margin-top: 2px; }
    .cov-note { font-size: .78rem; color: #6b7280; line-height: 1.5; border-top: 1px solid #f3f4f6; padding-top: 12px; margin-top: auto; }

    /* WHY SECTION */
    .why-section { background: var(--navy); padding: 25px 0; }
    .why-section .tag { font-size: .72rem; font-weight: 700; color: var(--cyan); text-transform: uppercase; letter-spacing: .1em; }
    .why-section h2 { font-size: clamp(1.3rem,3vw,1.9rem); font-weight: 700; color: #fff; line-height: 1.25; }
    .why-section p { font-size: .95rem; color: rgba(255,255,255,.8); line-height: 1.75; }
    .why-item {
      display: flex; align-items: flex-start; gap: 12px;
      background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
      border-radius: 10px; padding: 14px 16px; margin-bottom: 12px;
    }
    .why-item-icon { width: 34px; height: 34px; border-radius: 8px; background: rgba(0,187,242,.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .why-item p { font-size: .88rem; color: rgba(255,255,255,.9); line-height: 1.6; margin: 0; }

    /* CTA SECTION */
    .cta-section { background: linear-gradient(135deg, var(--cyan) 0%, #0099cc 100%); padding: 48px 0; text-align: center; }
    .cta-section h2 { font-size: clamp(1.3rem,3vw,1.9rem); font-weight: 700; color: #fff; margin-bottom: 10px; }
    .cta-section p { font-size: .97rem; color: rgba(255,255,255,.9); margin-bottom: 24px; line-height: 1.6; }
    .btn-cta-wa {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--navy); color: #fff; font-weight: 700; font-size: 1rem;
      padding: 14px 32px; border-radius: 10px; text-decoration: none;
    }
    .btn-cta-wa:hover { background: #0a2a47; color: #fff; }

    /* DISCLAIMER */
    .disclaimer { font-size: .73rem; color: #9ca3af; line-height: 1.65; border-top: 1px solid #e5e7eb; padding-top: 1.5rem; }

    /* FOOTER */
    footer { background: var(--footer); }
    .footer-social { border-bottom: 1px solid rgba(255,255,255,.08); padding: 24px 0; }
    .footer-social a { display: flex; align-items: center; gap: 8px; color: #fff; font-size: .85rem; font-weight: 500; text-decoration: none; }
    .footer-social a:hover { color: var(--cyan); }
    .social-icon { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .footer-body { padding: 32px 0; text-align: center; color: rgba(255,255,255,.55); font-size: .78rem; line-height: 1.7; }
    .footer-body p { margin-bottom: 4px; }
    .ssn-box { display: inline-flex; align-items: center; gap: 12px; margin-top: 20px; }
    .ssn-circle { width: 44px; height: 44px; border-radius: 50%; background: rgba(255,255,255,.08); display: flex; align-items: center; justify-content: center; font-weight: 700; color: #29b6cf; font-size: .9rem; }
    .footer-nav-section { border-top: 1px solid rgba(255,255,255,.08); padding: 24px 0; }
    .footer-nav-title { text-align: center; font-size: .7rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; color: #29b6cf; margin-bottom: 14px; }
    .footer-nav-pills { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; list-style: none; padding: 0; max-width: 700px; margin: 0 auto; }
    .footer-nav-pills a {
      display: flex; align-items: center; gap: 5px; padding: 7px 16px; border-radius: 999px;
      border: 1px solid rgba(41,182,207,.35); background: rgba(41,182,207,.07);
      color: #fff; font-size: .82rem; font-weight: 500; text-decoration: none;
    }
    .footer-nav-pills a:hover { background: rgba(41,182,207,.15); color: var(--cyan); }
    .copyright { background: var(--copy-bg); border-top: 1px solid rgba(255,255,255,.06); padding: 14px; text-align: center; font-size: .75rem; color: rgba(255,255,255,.4); }

    /* WA FAB */
    .wa-fab {
      position: fixed; bottom: 20px; right: 20px; width: 56px; height: 56px;
      border-radius: 50%; background: #25D366; display: flex; align-items: center;
      justify-content: center; box-shadow: 0 4px 16px rgba(0,0,0,.3); z-index: 999;
      text-decoration: none;
    }