/* =========================================================
   Intermediam Seguros - Sitio Web Corporativo
   Fase 2: Página web responsiva, comercial y publicable
   Autor: Excellentiam / Cristhian Forero
   ========================================================= */

:root{
  --azul:#1E7796;
  --azul-2:#00A6C8;
  --azul-profundo:#073B55;
  --gris:#3E3E3E;
  --gris-2:#767676;
  --marfil:#F5F1EA;
  --blanco:#FFFFFF;
  --negro:#141414;
  --linea:rgba(20,20,20,.10);
  --sombra:0 20px 60px rgba(7,59,85,.12);
  --sombra-suave:0 10px 34px rgba(7,59,85,.10);
  --radio:22px;
  --radio-sm:14px;
  --max:1180px;
  --font:'Poppins', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --script:'Great Vibes', 'Segoe Script', 'Brush Script MT', cursive;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  color:var(--gris);
  background:
    radial-gradient(circle at 90% 5%, rgba(0,166,200,.13), transparent 32%),
    radial-gradient(circle at 5% 18%, rgba(30,119,150,.10), transparent 28%),
    linear-gradient(180deg, #fff 0%, var(--marfil) 100%);
  line-height:1.6;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button,input,textarea,select{font:inherit}
::selection{background:rgba(0,166,200,.22);color:var(--azul-profundo)}
:focus-visible{outline:2px solid var(--azul-2);outline-offset:2px;border-radius:6px}

/* Sistema de iconos SVG */
.icon{
  width:1em;height:1em;flex:none;
  fill:none;stroke:currentColor;stroke-width:1.9;
  stroke-linecap:round;stroke-linejoin:round;
  vertical-align:middle;
}
.icon--solid{fill:currentColor;stroke:none}

.container{width:min(100% - 36px, var(--max));margin-inline:auto}
.section{padding:94px 0}
.section.compact{padding:66px 0}
.kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:7px 12px;
  border:1px solid rgba(30,119,150,.18);
  border-radius:999px;
  color:var(--azul);
  background:rgba(255,255,255,.76);
  font-size:13px;
  font-weight:700;
  letter-spacing:.02em;
}
.kicker::before{content:"";width:8px;height:8px;border-radius:50%;background:linear-gradient(135deg,var(--azul),var(--azul-2))}
.title{
  margin:14px 0 13px;
  color:var(--negro);
  font-size:clamp(32px,4vw,54px);
  line-height:1.05;
  letter-spacing:-.04em;
}
.title span{color:var(--azul)}
.subtitle{font-size:clamp(16px,2vw,19px);color:#575757;max-width:740px;margin:0}
.center{text-align:center}.center .subtitle{margin-inline:auto}.mt-26{margin-top:26px}.mt-38{margin-top:38px}

/* Header */
.topbar{
  background:linear-gradient(90deg,var(--azul-profundo),var(--azul));
  color:#fff;
  font-size:13px;
}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:9px 0}
.topbar a{opacity:.95}.topbar a:hover{opacity:1;text-decoration:underline}
.topbar__left,.topbar__right{display:flex;align-items:center;gap:18px;flex-wrap:wrap}

.header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.82);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(20,20,20,.08);
}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.logo{display:flex;align-items:center;gap:10px;min-width:190px}
.logo img{width:220px;height:auto}
.nav__links{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:600;color:#404040}
.nav__links a{position:relative}
.nav__links a::after{
  content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:linear-gradient(90deg,var(--azul),var(--azul-2));transform:scaleX(0);transform-origin:left;transition:.25s ease;
}
.nav__links a:hover::after{transform:scaleX(1)}
.nav__actions{display:flex;align-items:center;gap:10px}
.burger{display:none;border:0;background:transparent;width:44px;height:44px;border-radius:12px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--gris);margin:5px auto;border-radius:99px;transition:.2s ease}
.burger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.is-open span:nth-child(2){opacity:0}.burger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  border:0;border-radius:999px;padding:13px 20px;
  font-weight:800;font-size:14px;cursor:pointer;transition:.22s ease;
  line-height:1;white-space:nowrap;
}
.btn--primary{background:linear-gradient(135deg,var(--azul),var(--azul-2));color:#fff;box-shadow:0 14px 30px rgba(30,119,150,.24)}
.btn--primary:hover{transform:translateY(-2px);box-shadow:0 18px 40px rgba(30,119,150,.32)}
.btn--dark{background:var(--negro);color:#fff}.btn--dark:hover{background:var(--azul-profundo);transform:translateY(-2px)}
.btn--ghost{background:rgba(255,255,255,.8);color:var(--azul-profundo);border:1px solid rgba(30,119,150,.22)}
.btn--ghost:hover{background:#fff;transform:translateY(-2px);box-shadow:var(--sombra-suave)}
.btn--light{background:#fff;color:var(--azul-profundo)}
.btn--light:hover{transform:translateY(-2px);box-shadow:0 18px 35px rgba(255,255,255,.18)}
.btn svg{width:18px;height:18px}

/* Hero */
.hero{position:relative;min-height:calc(100vh - 118px);display:grid;align-items:center;padding:64px 0 76px;overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:0;background:
    radial-gradient(circle at 72% 22%, rgba(0,166,200,.18), transparent 28%),
    radial-gradient(circle at 84% 82%, rgba(30,119,150,.22), transparent 35%);
  pointer-events:none;
}
.hero__grid{position:relative;display:grid;grid-template-columns:1.04fr .96fr;gap:58px;align-items:center}
.hero h1{margin:16px 0 18px;font-size:clamp(43px,6vw,78px);line-height:.98;letter-spacing:-.06em;color:var(--negro)}
.hero h1 span{color:var(--azul)}
.hero p{font-size:clamp(17px,2vw,20px);color:#505050;max-width:640px;margin:0 0 26px}
.hero__actions{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero__badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.badge{
  display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(30,119,150,.14);
  background:rgba(255,255,255,.78);padding:9px 12px;border-radius:999px;font-size:13px;font-weight:700;color:#454545;
}
.badge i{display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:rgba(0,166,200,.14);font-style:normal;color:var(--azul)}
.badge i .icon{width:12px;height:12px;stroke-width:2.6}
.hero__visual{position:relative;min-height:560px}
.visual-card{
  position:absolute;inset:26px 10px 28px 54px;border-radius:34px;background:linear-gradient(145deg, rgba(255,255,255,.95), rgba(245,241,234,.88));box-shadow:var(--sombra);border:1px solid rgba(255,255,255,.9);overflow:hidden;
}
.visual-card::before{content:"";position:absolute;inset:auto -70px -120px auto;width:360px;height:360px;background:linear-gradient(135deg,var(--azul),var(--azul-2));border-radius:50%;opacity:.18}
.visual-card::after{content:"";position:absolute;top:28px;right:34px;width:130px;height:130px;background:url('../img/isotipo-intermediam.svg') center/contain no-repeat;opacity:.10}
.visual-card__top{padding:34px 34px 20px;display:flex;justify-content:space-between;align-items:center;gap:16px}
.visual-card__top img{width:230px}
.visual-card__shield{width:58px;height:58px;border-radius:18px;background:#fff;box-shadow:0 14px 28px rgba(7,59,85,.12);display:grid;place-items:center}.visual-card__shield img{width:38px}
.policy-card{margin:12px 34px;background:linear-gradient(135deg,var(--azul-profundo),var(--azul));color:#fff;border-radius:26px;padding:28px;position:relative;overflow:hidden}
.policy-card::after{content:"";position:absolute;right:-50px;bottom:-90px;width:210px;height:210px;background:#fff;border-radius:50%;opacity:.10}
.policy-card small{opacity:.78;text-transform:uppercase;letter-spacing:.12em;font-weight:800}.policy-card h3{font-size:34px;line-height:1.08;margin:14px 0 10px;letter-spacing:-.04em}.policy-card p{color:rgba(255,255,255,.84);font-size:15px;margin:0}
.policy-list{padding:12px 34px 34px;display:grid;gap:12px}
.policy-list__item{display:flex;align-items:center;gap:13px;background:rgba(255,255,255,.78);border:1px solid rgba(20,20,20,.07);border-radius:18px;padding:14px;box-shadow:0 10px 24px rgba(7,59,85,.06)}
.policy-list__icon{width:42px;height:42px;border-radius:14px;background:rgba(0,166,200,.12);display:grid;place-items:center;color:var(--azul);font-size:22px}.policy-list__item strong{display:block;color:var(--negro);line-height:1.2}.policy-list__item span{font-size:13px;color:#666}
.float-note{position:absolute;left:0;bottom:86px;background:#fff;border-radius:22px;padding:18px 20px;box-shadow:var(--sombra);border:1px solid rgba(20,20,20,.07);max-width:270px}.float-note strong{display:block;color:var(--azul-profundo);font-size:15px}.float-note span{font-size:13px;color:#656565}.float-note b{color:var(--azul)}
.float-whatsapp{position:absolute;right:0;top:80px;background:#fff;border-radius:22px;padding:16px 18px;box-shadow:var(--sombra);border:1px solid rgba(20,20,20,.07);display:flex;align-items:center;gap:12px}.float-whatsapp .wa{width:42px;height:42px;border-radius:50%;background:#25D366;color:white;display:grid;place-items:center;font-weight:900}.float-whatsapp .wa .icon{width:24px;height:24px}.float-whatsapp strong{display:block;color:var(--negro);font-size:14px}.float-whatsapp span{font-size:12px;color:#777}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.card{background:rgba(255,255,255,.78);border:1px solid rgba(20,20,20,.08);border-radius:var(--radio);box-shadow:0 12px 36px rgba(7,59,85,.06);padding:26px;transition:.22s ease;position:relative;overflow:hidden}.card:hover{transform:translateY(-4px);box-shadow:var(--sombra-suave)}
.card__icon{width:56px;height:56px;border-radius:18px;background:linear-gradient(135deg,rgba(30,119,150,.14),rgba(0,166,200,.10));display:grid;place-items:center;color:var(--azul);font-size:28px;margin-bottom:18px}
.card h3{margin:0 0 9px;color:var(--negro);font-size:21px;letter-spacing:-.02em}.card p{margin:0;color:#666;font-size:15px}.card .link{display:inline-flex;align-items:center;gap:7px;margin-top:16px;color:var(--azul);font-weight:800;font-size:14px}.card .link .icon{width:16px;height:16px;transition:transform .2s ease}.card:hover .link .icon{transform:translateX(3px)}
.product-card{padding:24px;min-height:254px}.product-card::after{content:"";position:absolute;right:-60px;bottom:-80px;width:170px;height:170px;border-radius:50%;background:linear-gradient(135deg,var(--azul),var(--azul-2));opacity:0;transition:.22s ease}.product-card:hover::after{opacity:.10}.product-card ul{margin:15px 0 0;padding:0;list-style:none;display:grid;gap:8px}.product-card li{font-size:13px;color:#5a5a5a;display:flex;align-items:flex-start;gap:8px}.product-card li::before{content:"";flex:none;width:15px;height:15px;margin-top:2px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231E7796' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/contain no-repeat}

/* Banner */
.band{background:linear-gradient(135deg,var(--azul-profundo),var(--azul));color:#fff;border-radius:34px;box-shadow:var(--sombra);position:relative;overflow:hidden}.band::before{content:"";position:absolute;right:-110px;top:-120px;width:340px;height:340px;background:#fff;border-radius:50%;opacity:.10}.band__inner{position:relative;padding:42px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:22px}.band h2{margin:0 0 8px;font-size:clamp(25px,3vw,39px);line-height:1.08;letter-spacing:-.04em}.band p{margin:0;color:rgba(255,255,255,.82);max-width:720px}

/* Process */
.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:36px}.step{counter-increment:step;background:#fff;border:1px solid rgba(20,20,20,.08);border-radius:24px;padding:26px;position:relative;box-shadow:0 12px 32px rgba(7,59,85,.06)}.step::before{content:"0" counter(step);display:grid;place-items:center;width:48px;height:48px;border-radius:16px;background:linear-gradient(135deg,var(--azul),var(--azul-2));color:#fff;font-weight:900;margin-bottom:18px}.step h3{margin:0 0 8px;color:var(--negro);font-size:19px}.step p{margin:0;color:#656565;font-size:14px}

/* Siniestros */
.claims{display:grid;grid-template-columns:.88fr 1.12fr;gap:40px;align-items:center}.claims__panel{background:linear-gradient(145deg,#fff,rgba(245,241,234,.75));border:1px solid rgba(20,20,20,.08);border-radius:32px;padding:34px;box-shadow:var(--sombra-suave)}.claims__panel img{width:110px;margin-bottom:22px}.claims__list{display:grid;gap:14px;margin-top:26px}.claim-item{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid rgba(20,20,20,.07);border-radius:20px;padding:16px}.claim-item span{flex:0 0 34px;width:34px;height:34px;border-radius:12px;background:rgba(0,166,200,.12);color:var(--azul);display:grid;place-items:center;font-weight:900}.claim-item strong{display:block;color:var(--negro)}.claim-item p{margin:2px 0 0;color:#666;font-size:14px}

/* FAQ */
.faq{max-width:880px;margin:34px auto 0;display:grid;gap:12px}.faq__item{background:#fff;border:1px solid rgba(20,20,20,.08);border-radius:18px;overflow:hidden;box-shadow:0 8px 24px rgba(7,59,85,.05)}.faq__q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:18px;text-align:left;background:transparent;border:0;cursor:pointer;padding:20px 22px;font-weight:800;color:var(--negro)}.faq__q span{flex:none;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:rgba(0,166,200,.12);color:var(--azul);transition:.2s}.faq__q span .icon{width:15px;height:15px;stroke-width:2.4}.faq__a{max-height:0;overflow:hidden;transition:max-height .25s ease}.faq__a p{padding:0 22px 20px;margin:0;color:#626262}.faq__item.is-open .faq__a{max-height:220px}.faq__item.is-open .faq__q span{transform:rotate(45deg);background:var(--azul);color:#fff}

/* Blog */
.blog-card{padding:0;overflow:hidden}.blog-card__image{height:150px;background:linear-gradient(135deg,rgba(30,119,150,.92),rgba(0,166,200,.70));position:relative}.blog-card__image::after{content:"";position:absolute;right:18px;bottom:15px;width:70px;height:70px;background:url('../img/isotipo-intermediam.svg') center/contain no-repeat;filter:brightness(0) invert(1);opacity:.42}.blog-card__body{padding:22px}.blog-card small{color:var(--azul);font-weight:900;text-transform:uppercase;letter-spacing:.08em}.blog-card h3{font-size:19px;margin:8px 0 9px}

/* Contact */
.contact{display:grid;grid-template-columns:.82fr 1.18fr;gap:34px;align-items:start}.contact-card{background:linear-gradient(145deg,var(--azul-profundo),var(--azul));color:#fff;border-radius:32px;padding:34px;box-shadow:var(--sombra);position:sticky;top:104px;overflow:hidden}.contact-card::after{content:"";position:absolute;right:-95px;bottom:-120px;width:260px;height:260px;background:#fff;border-radius:50%;opacity:.11}.contact-card > *{position:relative}.contact-card img{width:235px;margin-bottom:28px;filter:drop-shadow(0 16px 24px rgba(0,0,0,.13))}.contact-info{display:grid;gap:14px;margin:26px 0}.contact-info a,.contact-info div{display:flex;align-items:center;gap:12px;color:rgba(255,255,255,.92);font-size:15px}.contact-info i{flex:none;width:36px;height:36px;border-radius:13px;background:rgba(255,255,255,.13);display:grid;place-items:center;font-style:normal}.contact-info i .icon{width:19px;height:19px}.contact-card p{color:rgba(255,255,255,.78);margin:0}.form{background:#fff;border:1px solid rgba(20,20,20,.08);border-radius:32px;padding:30px;box-shadow:var(--sombra-suave)}.form__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:13px;font-weight:800;color:#333}.field input,.field select,.field textarea{width:100%;border:1px solid rgba(20,20,20,.13);border-radius:15px;padding:13px 14px;background:#fff;color:#333;outline:none;transition:.2s}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--azul);box-shadow:0 0 0 4px rgba(0,166,200,.12)}.field textarea{min-height:126px;resize:vertical}.check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#666}.check input{margin-top:4px}.check a{color:var(--azul);font-weight:800}.form__note{font-size:12px;color:#777;margin:14px 0 0}.form__status{font-size:14px;font-weight:700;margin-top:14px}.form__status.ok{color:#147b3a}.form__status.error{color:#a73535}.honeypot{position:absolute;left:-9999px;opacity:0}

/* Footer */
.footer{background:#0D2330;color:#fff;padding:56px 0 20px}.footer__grid{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr;gap:32px}.footer img{width:230px}.footer p{color:rgba(255,255,255,.72);font-size:14px}.footer h3{font-size:15px;text-transform:uppercase;letter-spacing:.08em;color:#fff;margin:0 0 14px}.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}.footer a{color:rgba(255,255,255,.72);font-size:14px}.footer a:hover{color:#fff}.footer__bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.10);margin-top:34px;padding-top:18px;color:rgba(255,255,255,.62);font-size:13px}.socials{display:flex;gap:10px}.socials a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.10);display:grid;place-items:center;color:#fff;transition:.2s ease}.socials a:hover{background:linear-gradient(135deg,var(--azul),var(--azul-2));transform:translateY(-2px)}.socials a .icon{width:18px;height:18px}

/* Floating WhatsApp */
.whatsapp-float{position:fixed;right:22px;bottom:22px;z-index:60;width:60px;height:60px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 18px 36px rgba(37,211,102,.32);transition:.22s ease}.whatsapp-float:hover{transform:translateY(-4px) scale(1.02)}.whatsapp-float svg{width:30px;height:30px}
.back-to-top{position:fixed;right:26px;bottom:92px;z-index:58;width:46px;height:46px;border-radius:50%;border:0;background:var(--azul-profundo);color:#fff;display:grid;place-items:center;box-shadow:var(--sombra-suave);cursor:pointer;opacity:0;visibility:hidden;transition:.2s}.back-to-top.show{opacity:1;visibility:visible}.back-to-top:hover{transform:translateY(-2px)}.back-to-top .icon{width:20px;height:20px}

/* Legal pages */
.legal-hero{padding:76px 0 44px;background:linear-gradient(135deg,rgba(30,119,150,.12),rgba(0,166,200,.08))}.legal-content{background:#fff;border:1px solid rgba(20,20,20,.08);border-radius:28px;padding:34px;box-shadow:var(--sombra-suave);margin-bottom:70px}.legal-content h2{color:var(--negro);margin-top:28px}.legal-content h2:first-child{margin-top:0}.legal-content p,.legal-content li{color:#5f5f5f}.legal-content a{color:var(--azul);font-weight:800}
.back-link{display:inline-flex;align-items:center;gap:8px;color:var(--azul);font-weight:800}.back-link .icon{width:18px;height:18px;transition:transform .2s ease}.back-link:hover .icon{transform:translateX(-3px)}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(18px);transition:.6s ease}.reveal.visible{opacity:1;transform:none}

@media (max-width:1020px){
  .topbar{display:none}.nav{height:74px}.nav__links{position:fixed;left:18px;right:18px;top:84px;background:#fff;border:1px solid rgba(20,20,20,.10);border-radius:22px;box-shadow:var(--sombra);padding:22px;display:none;flex-direction:column;align-items:flex-start;gap:16px}.nav__links.is-open{display:flex}.burger{display:block}.nav__actions .btn{display:none}.hero{min-height:auto}.hero__grid,.claims,.contact{grid-template-columns:1fr}.hero__visual{min-height:520px;order:-1}.visual-card{inset:10px 10px 40px 10px}.float-note{left:6px;bottom:20px}.float-whatsapp{right:8px;top:20px}.grid-4{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(2,1fr)}.band__inner{grid-template-columns:1fr}.contact-card{position:relative;top:auto}.footer__grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .container{width:min(100% - 28px, var(--max))}.section{padding:70px 0}.logo img{width:190px}.hero{padding:34px 0 62px}.hero__grid{gap:28px}.hero__visual{min-height:470px}.visual-card__top{padding:26px 22px 12px}.visual-card__top img{width:190px}.policy-card{margin:10px 22px;padding:22px}.policy-card h3{font-size:27px}.policy-list{padding:10px 22px 24px}.float-note,.float-whatsapp{display:none}.grid-3,.grid-2,.grid-4{grid-template-columns:1fr}.process{grid-template-columns:1fr}.band{border-radius:26px}.band__inner{padding:30px}.claims__panel,.form,.contact-card,.legal-content{padding:24px;border-radius:24px}.form__grid{grid-template-columns:1fr}.footer__grid{grid-template-columns:1fr}.footer__bottom{align-items:flex-start}.whatsapp-float{right:16px;bottom:16px}.back-to-top{right:22px;bottom:84px}.topbar__left,.topbar__right{gap:9px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}.reveal{opacity:1;transform:none}}