/* ============================================================
   TEN BROKING — Design System
   Navy profundo + dorado cálido · Editorial premium financiero
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800&family=Inter:wght@400;500;600;700&family=Merriweather:ital,wght@0,300;0,400;0,700;0,900;1,300;1,400&display=swap');

:root{
  /* Navy scale — brand #00226b */
  --navy-950:#001440;
  --navy-900:#00226b;   /* deep navy — primary dark bg (aligned to brand manual navy) */
  --navy-850:#00226b;   /* brand navy — cards / accents */
  --navy-alt:#003865;   /* alternate dark navy */
  --navy-800:#062f86;
  --navy-700:#1a47a0;
  --navy-600:#2f5db4;
  --navy-500:#009cde;   /* brand sky blue — updated */

  /* Amber / gold — brand #d19000 (updated palette) */
  --gold-700:#946800;
  --gold-600:#b37d00;
  --gold-500:#d19000;
  --gold-400:#e6a61e;
  --gold-300:#edbe54;
  --gold-200:#f2d88d;

  /* Support */
  --blue:#009cde;
  --lav:#9f9db4;

  /* Paper / neutrals (cool) */
  --paper:#f4f5f8;
  --paper-2:#eaecf1;
  --paper-3:#dfe2ea;
  --ink-900:#00226b;   /* titles on light */
  --ink-800:#2a3651;
  --ink-700:#41506b;
  --ink-600:#5f6b80;
  --ink-400:#929aa9;

  --line-light:rgba(0,34,107,.13);
  --line-dark:rgba(170,195,235,.17);
  --gold-line:rgba(209,144,0,.5);

  --maxw:1280px;
  --gutter:clamp(20px,5vw,72px);

  --font-display:'Montserrat',system-ui,sans-serif;
  --font-sans:'Inter',system-ui,sans-serif;
  --font-mono:'Montserrat',system-ui,sans-serif;
  --font-data:'Merriweather',Georgia,serif;

  --ease:cubic-bezier(.22,.61,.36,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--font-sans);
  background:var(--paper);
  color:var(--ink-800);
  font-size:17px;
  line-height:1.6;
  font-weight:400;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
::selection{background:var(--gold-400);color:var(--navy-900)}

/* ---------- Layout ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding-inline:var(--gutter)}
.section{padding-block:clamp(72px,11vw,160px)}
.section--tight{padding-block:clamp(56px,8vw,104px)}
.navy{background:var(--navy-900);color:var(--paper)}
.navy-deep{background:var(--navy-950);color:var(--paper)}
.paper-2{background:var(--paper-2)}

/* ---------- Type ---------- */
h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;margin:0;letter-spacing:-.012em;line-height:1.06;text-wrap:balance;color:var(--ink-900)}
.navy h1,.navy h2,.navy h3,.navy h4,.navy-deep h1,.navy-deep h2,.navy-deep h3,.navy-deep h4{color:var(--paper)}
.display{font-size:clamp(40px,6.4vw,90px);font-weight:700;line-height:1.0;letter-spacing:-.022em}
.h1{font-size:clamp(33px,4.8vw,66px);font-weight:700;line-height:1.05;letter-spacing:-.018em}
.h2{font-size:clamp(27px,3.5vw,46px);font-weight:600;letter-spacing:-.014em}
.h3{font-size:clamp(20px,2.1vw,29px);font-weight:600;letter-spacing:-.008em}
.serif-it{font-family:var(--font-data);font-style:italic;font-weight:400;letter-spacing:-.008em}
.gold-text{color:var(--gold-500)}
p{margin:0 0 1em;text-wrap:pretty}
.lead{font-size:clamp(18px,1.5vw,22px);line-height:1.55;color:var(--ink-700)}
.navy .lead,.navy-deep .lead{color:rgba(246,242,234,.74)}
.measure{max-width:62ch}
.measure-sm{max-width:46ch}

/* Eyebrow — letterspaced mono label with rule */
.eyebrow{
  display:inline-flex;align-items:center;gap:14px;
  font-family:var(--font-mono);font-size:12px;font-weight:600;
  letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold-600);margin:0 0 26px;
}
.navy .eyebrow,.navy-deep .eyebrow{color:var(--gold-400)}
.eyebrow::before{content:"";width:34px;height:1px;background:currentColor;opacity:.65}
.eyebrow--center::after{content:"";width:34px;height:1px;background:currentColor;opacity:.65}

/* ---------- Buttons ---------- */
.btn{
  --bg:var(--gold-500);--fg:var(--navy-900);
  display:inline-flex;align-items:center;gap:11px;
  font-family:var(--font-sans);font-weight:600;font-size:14.5px;
  letter-spacing:.01em;line-height:1;
  padding:16px 26px;border-radius:2px;border:1px solid transparent;
  background:var(--bg);color:var(--fg);cursor:pointer;
  transition:transform .4s var(--ease),background .3s,color .3s,box-shadow .4s;
  position:relative;overflow:hidden;
  background-image:url("assets/texture-nodes-goldmuted.svg");
  background-repeat:no-repeat;background-size:auto 190%;background-position:right -20% bottom -55%;
}
.btn:hover{transform:translateY(-2px);box-shadow:0 14px 30px -12px rgba(209,144,0,.55)}
.btn .arr{transition:transform .4s var(--ease)}
.btn:hover .arr{transform:translateX(5px)}
.btn--ghost{--bg:transparent;--fg:var(--paper);border-color:var(--line-dark);background-image:none}
.btn--ghost:hover{background:rgba(246,242,234,.06);box-shadow:none;border-color:var(--gold-line)}
.btn--ink{--bg:var(--navy-900);--fg:var(--paper);background-image:none}
.btn--ink:hover{box-shadow:0 14px 30px -14px rgba(0,22,75,.6)}
.btn--outline-ink{--bg:transparent;--fg:var(--ink-900);border-color:var(--line-light);background-image:none}
.btn--outline-ink:hover{background:rgba(19,32,44,.04);box-shadow:none;border-color:var(--ink-900)}

/* text link with arrow */
.tlink{
  display:inline-flex;align-items:center;gap:9px;
  font-family:var(--font-mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;
  font-weight:500;color:var(--gold-600);
  padding-bottom:5px;border-bottom:1px solid var(--gold-line);
  transition:gap .35s var(--ease),color .3s;
}
.navy .tlink,.navy-deep .tlink{color:var(--gold-400)}
.tlink:hover{gap:15px;color:var(--gold-500)}

/* ============================================================
   NAV
   ============================================================ */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:100;
  display:flex;align-items:center;justify-content:space-between;
  padding:17px var(--gutter);
  background:rgba(255,255,255,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line-light);
  transition:background .5s var(--ease),padding .5s var(--ease),box-shadow .5s,border-color .5s;
}
.nav.scrolled{
  background:rgba(0,26,85,.93);backdrop-filter:blur(14px);
  padding-top:13px;padding-bottom:13px;
  border-bottom:1px solid rgba(255,255,255,.12);
  box-shadow:0 12px 40px -22px rgba(0,14,46,.7);
}
.nav__logo{display:flex;align-items:center}
.nav__logo .logo-svg{height:28px;width:auto;display:block}
.nav__logo .logo-svg-white{height:28px;width:auto;display:none}
.brandmark{font-family:var(--font-display);font-weight:400;font-size:22px;line-height:1;letter-spacing:.004em;color:var(--ink-900);white-space:nowrap}
.brandmark b{font-weight:800}
.nav.scrolled .logo-svg{display:none}
.nav.scrolled .logo-svg-white{display:block}
.nav__links{display:flex;align-items:center;gap:38px}
.nav__link{
  font-size:14.5px;font-weight:500;color:var(--ink-700);
  position:relative;padding:6px 0;letter-spacing:.005em;
  transition:color .3s;
}
.nav__link::after{
  content:"";position:absolute;left:0;bottom:0;height:1.5px;width:0;
  background:var(--gold-500);transition:width .4s var(--ease);
}
.nav__link:hover,.nav__link.active{color:var(--ink-900)}
.nav__link.active::after,.nav__link:hover::after{width:100%}
.nav.scrolled .nav__link{color:rgba(255,255,255,.8)}
.nav.scrolled .nav__link:hover,.nav.scrolled .nav__link.active{color:#fff}
.nav__right{display:flex;align-items:center;gap:24px}
.nav__lang{
  font-family:var(--font-mono);font-size:12px;font-weight:600;letter-spacing:.1em;
  color:var(--ink-600);border:1px solid var(--line-light);
  padding:8px 11px;border-radius:2px;transition:.3s;
}
.nav__lang:hover{color:var(--ink-900);border-color:var(--gold-line)}
.nav.scrolled .nav__lang{color:rgba(255,255,255,.72);border-color:rgba(255,255,255,.2)}
.nav.scrolled .nav__lang:hover{color:#fff;border-color:var(--gold-line)}
.nav__burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav__burger span{display:block;width:24px;height:1.6px;background:var(--ink-900);transition:.35s var(--ease)}
.nav.scrolled .nav__burger span{background:#fff}
.nav__burger.open span:nth-child(1){transform:translateY(6.6px) rotate(45deg)}
.nav__burger.open span:nth-child(2){opacity:0}
.nav__burger.open span:nth-child(3){transform:translateY(-6.6px) rotate(-45deg)}

@media(max-width:920px){
  .nav__links,.nav__cta{display:none}
  .nav__burger{display:flex}
  .nav__mobile{
    position:fixed;inset:0;background:var(--navy-950);z-index:99;
    display:flex;flex-direction:column;justify-content:center;gap:6px;
    padding:0 var(--gutter);
    clip-path:inset(0 0 100% 0);transition:clip-path .6s var(--ease);
  }
  .nav__mobile.open{clip-path:inset(0 0 0 0)}
  .nav__mobile a{font-family:var(--font-display);font-size:clamp(34px,9vw,56px);font-weight:300;color:var(--paper);padding:10px 0;border-bottom:1px solid var(--line-dark)}
  .nav__mobile a:last-of-type{border-bottom:0}
  .nav__mobile .eyebrow{margin-bottom:30px}
}

/* ============================================================
   HERO
   ============================================================ */
.hero{position:relative;min-height:100svh;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy-950)}
.hero__media{position:absolute;inset:0;z-index:0}
.hero__media img{width:100%;height:100%;object-fit:cover;transform:scale(1.06);animation:heroZoom 18s ease-out forwards}
@keyframes heroZoom{to{transform:scale(1)}}
.hero__scrim{position:absolute;inset:0;z-index:1}
.hero__inner{position:relative;z-index:2;width:100%;padding-bottom:clamp(56px,9vh,116px);padding-top:140px}
.hero__title{color:var(--paper);max-width:16ch}
.hero__sub{color:rgba(246,242,234,.8);max-width:52ch;margin-top:26px;font-size:clamp(17px,1.5vw,21px)}
.hero__cta{display:flex;flex-wrap:wrap;gap:16px;margin-top:40px}
.hero__scroll{position:absolute;left:var(--gutter);bottom:30px;z-index:2;display:flex;align-items:center;gap:12px;font-family:var(--font-mono);font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:rgba(246,242,234,.5)}
.hero__scroll .dot{width:1px;height:42px;background:linear-gradient(var(--gold-400),transparent);position:relative;overflow:hidden}
.hero__scroll .dot::after{content:"";position:absolute;top:0;left:0;width:100%;height:14px;background:var(--gold-400);animation:scrollLine 2.2s var(--ease) infinite}
@keyframes scrollLine{0%{transform:translateY(-14px)}100%{transform:translateY(42px)}}

/* hero stat strip */
.hero__stats{position:relative;z-index:2;border-top:1px solid var(--line-dark);background:rgba(0,14,46,.55);backdrop-filter:blur(6px)}
.hero__stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.hstat{padding:26px 0;border-left:1px solid var(--line-dark);padding-left:26px}
.hstat:first-child{border-left:0}
.hstat__n{font-family:var(--font-data);font-size:clamp(30px,3.4vw,46px);font-weight:300;color:var(--paper);line-height:1}
.hstat__n .gold-text{font-style:italic}
.hstat__l{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:rgba(246,242,234,.55);margin-top:10px}
@media(max-width:760px){
  .hero__stats .wrap{grid-template-columns:repeat(2,1fr);gap:0 28px}
  .hstat{border-left:0;padding-left:0;border-top:1px solid var(--line-dark);padding:20px 0}
  .hstat:nth-child(1),.hstat:nth-child(2){border-top:0}
}

/* Hero variant scrims */
[data-hero="1"] .hero__scrim{background:linear-gradient(180deg,rgba(0,14,46,.55) 0%,rgba(0,14,46,.2) 38%,rgba(0,14,46,.82) 100%)}
[data-hero="2"] .hero__scrim{background:linear-gradient(110deg,rgba(0,14,46,.92) 0%,rgba(0,14,46,.6) 50%,rgba(0,14,46,.25) 100%)}
[data-hero="2"] .hero__inner{display:flex;align-items:center;min-height:calc(100svh - 96px)}
[data-hero="2"] .hero__title{max-width:18ch}
[data-hero="3"] .hero{background:var(--navy-900)}
[data-hero="3"] .hero__media{inset:auto 0 0 auto;width:46%;height:100%}
[data-hero="3"] .hero__media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy-900),transparent 40%)}
[data-hero="3"] .hero__scrim{background:linear-gradient(90deg,var(--navy-900) 30%,rgba(0,22,75,.4) 62%,transparent)}
[data-hero="3"] .hero__inner{display:flex;align-items:center;min-height:calc(100svh - 96px)}
[data-hero="3"] .hero__title{max-width:13ch}
@media(max-width:820px){
  [data-hero="3"] .hero__media{width:100%}
  [data-hero="3"] .hero__media::after{background:linear-gradient(180deg,var(--navy-900) 8%,rgba(0,22,75,.45) 50%,var(--navy-900))}
  [data-hero="3"] .hero__scrim{background:linear-gradient(180deg,rgba(0,14,46,.5),rgba(0,14,46,.85))}
}

/* ============================================================
   REVEAL
   ============================================================ */
.reveal{opacity:0;transform:translateY(26px);transition:opacity 1s var(--ease-out),transform 1s var(--ease-out)}
.reveal.in{opacity:1;transform:none}
.reveal[data-d="1"]{transition-delay:.08s}
.reveal[data-d="2"]{transition-delay:.16s}
.reveal[data-d="3"]{transition-delay:.24s}
.reveal[data-d="4"]{transition-delay:.32s}
.reveal[data-d="5"]{transition-delay:.4s}
.clip{clip-path:inset(0 100% 0 0);transition:clip-path 1.1s var(--ease-out)}
.clip.in{clip-path:inset(0 0 0 0)}
@media(prefers-reduced-motion:reduce){
  .reveal,.clip{opacity:1!important;transform:none!important;clip-path:none!important;transition:none}
  .hero__media img{animation:none;transform:none}
}

/* ============================================================
   SECTION HEADER
   ============================================================ */
.shead{display:grid;grid-template-columns:1fr;gap:18px;margin-bottom:clamp(40px,5vw,70px)}
.shead--split{grid-template-columns:1.1fr .9fr;align-items:end;gap:40px}
.shead__lead{color:var(--ink-600);max-width:48ch}
.navy .shead__lead,.navy-deep .shead__lead{color:rgba(246,242,234,.66)}
@media(max-width:760px){.shead--split{grid-template-columns:1fr}}

/* ============================================================
   FEATURE / VALUES GRID
   ============================================================ */
.vgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-dark)}
.vcard{background:var(--navy-900);padding:38px 30px 44px;position:relative;transition:background .4s}
.vcard:hover{background:var(--navy-800)}
.vcard__k{font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;color:var(--gold-400);margin-bottom:auto}
.vcard__t{font-family:var(--font-display);font-size:24px;font-weight:400;color:var(--paper);margin:30px 0 12px}
.vcard__d{font-size:14.5px;color:rgba(246,242,234,.6);line-height:1.55}
@media(max-width:900px){.vgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.vgrid{grid-template-columns:1fr}}

/* ============================================================
   STAT / NUMBERS BLOCK
   ============================================================ */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line-light)}
.navy .stats,.navy-deep .stats{background:var(--line-dark)}
.stat{background:var(--paper);padding:42px 8px 42px 28px}
.navy .stat,.navy-deep .stat{background:var(--navy-900)}
.stat__n{font-family:var(--font-data);font-weight:300;font-size:clamp(46px,6vw,82px);line-height:.92;letter-spacing:-.02em;color:var(--ink-900);display:flex;align-items:baseline;gap:2px}
.navy .stat__n,.navy-deep .stat__n{color:var(--paper)}
.stat__n .unit{font-size:.42em;color:var(--gold-600);font-style:italic;letter-spacing:0}
.stat__l{font-family:var(--font-mono);font-size:11px;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-600);margin-top:16px;max-width:24ch}
.navy .stat__l,.navy-deep .stat__l{color:rgba(246,242,234,.55)}
@media(max-width:760px){.stats{grid-template-columns:1fr 1fr}}

/* ============================================================
   RAMOS SLIDER
   ============================================================ */
.ramos{position:relative}
.ramos__track{display:flex;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:14px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.ramos__track::-webkit-scrollbar{display:none}
.rcard{
  position:relative;flex:0 0 clamp(280px,33vw,420px);scroll-snap-align:start;
  height:clamp(380px,46vw,540px);border-radius:3px;overflow:hidden;
  background:var(--navy-850);
}
.rcard img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform 1.1s var(--ease)}
.rcard:hover img{transform:scale(1.07)}
.rcard__scrim{position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,14,46,.05) 30%,rgba(0,14,46,.55) 64%,rgba(0,14,46,.94) 100%)}
.rcard__body{position:absolute;inset:auto 0 0 0;padding:30px 28px 30px;color:var(--paper)}
.rcard__num{font-family:var(--font-mono);font-size:11px;letter-spacing:.16em;color:var(--gold-400);margin-bottom:14px}
.rcard__t{font-family:var(--font-display);font-size:27px;font-weight:400;line-height:1.05;color:var(--paper)}
.rcard__d{font-size:13.5px;line-height:1.5;color:rgba(246,242,234,.72);margin-top:10px;max-height:0;opacity:0;overflow:hidden;transition:max-height .6s var(--ease),opacity .5s,margin .5s}
.rcard:hover .rcard__d{max-height:120px;opacity:1;margin-top:12px}
.ramos__nav{display:flex;gap:10px;margin-top:30px}
.ramos__btn{width:52px;height:52px;border-radius:100px;border:1px solid var(--line-light);background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;color:var(--ink-900);transition:.3s}
.navy .ramos__btn,.navy-deep .ramos__btn{border-color:var(--line-dark);color:var(--paper)}
.ramos__btn:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900)}
.ramos__btn:disabled{opacity:.32;cursor:not-allowed}
.ramos__btn:disabled:hover{background:transparent;color:inherit}
.navy .ramos__btn:disabled:hover{color:var(--paper);border-color:var(--line-dark)}

/* ============================================================
   FEATURE ROW (image + text)
   ============================================================ */
.frow{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,90px);align-items:center}
.frow--rev .frow__media{order:2}
.frow__media{position:relative;aspect-ratio:4/5;border-radius:3px;overflow:hidden}
.frow__media img{width:100%;height:100%;object-fit:cover}
.frow__media .tag{position:absolute;left:0;bottom:0;background:var(--navy-900);color:var(--paper);font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;padding:12px 18px}
.frow__media .tag .gold-text{color:var(--gold-400)}
@media(max-width:820px){.frow{grid-template-columns:1fr;gap:34px}.frow--rev .frow__media{order:0}}

/* ============================================================
   REINSURERS MARQUEE
   ============================================================ */
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee__row{display:flex;gap:18px;width:max-content;animation:slide 46s linear infinite}
.marquee:hover .marquee__row{animation-play-state:paused}
@keyframes slide{to{transform:translateX(-50%)}}
.relogo{flex:0 0 auto;height:84px;width:172px;background:#fff;border-radius:3px;display:flex;align-items:center;justify-content:center;padding:18px 22px}
.relogo img{max-height:100%;max-width:100%;object-fit:contain;filter:grayscale(1);opacity:.78;transition:.4s}
.relogo:hover img{filter:none;opacity:1}

/* ============================================================
   DIRECTORS / TEAM
   ============================================================ */
.dirgrid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,56px)}
@media(max-width:680px){.dirgrid{grid-template-columns:1fr}}
/* directors shared photo */
.dirphoto{position:relative;border-radius:4px;overflow:hidden;aspect-ratio:16/9.4;margin:0 0 clamp(34px,4.5vw,58px)}
.dirphoto img{width:100%;height:100%;object-fit:cover;object-position:center 36%}
.dirphoto::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(0,14,46,.72))}
.dircap{position:absolute;bottom:clamp(16px,2.5vw,26px);z-index:2;display:flex;flex-direction:column;gap:3px}
.dircap--l{left:clamp(16px,2.5vw,28px)}
.dircap--r{right:clamp(16px,2.5vw,28px);text-align:right;align-items:flex-end}
.dircap__role{font-family:var(--font-mono);font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-300)}
.dircap__name{font-family:var(--font-display);font-weight:600;font-size:clamp(15px,1.8vw,20px);color:#fff;letter-spacing:-.01em}
@media(max-width:520px){.dircap__name{font-size:13px}.dircap__role{font-size:9px;letter-spacing:.1em}}
.dir{position:relative}
.dir__photo{aspect-ratio:1/1.22;border-radius:3px;overflow:hidden;position:relative;margin-bottom:24px;background:var(--navy-800)}
.dir__photo img{width:100%;height:100%;object-fit:cover;object-position:center top;filter:grayscale(.1)}
.dir__role{font-family:var(--font-mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600);margin-bottom:10px}
.navy .dir__role,.navy-deep .dir__role{color:var(--gold-400)}
.dir__name{font-family:var(--font-display);font-size:clamp(26px,3vw,38px);font-weight:300}
.dir__mail{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-mono);font-size:12.5px;color:var(--ink-600);margin-top:14px;transition:.3s}
.navy .dir__mail{color:rgba(246,242,234,.6)}
.dir__mail:hover{color:var(--gold-600)}

.teamlist{border-top:1px solid var(--line-dark)}
.trow{display:grid;grid-template-columns:46px 1.4fr 1fr;gap:24px;align-items:baseline;padding:24px 0;border-bottom:1px solid var(--line-dark);transition:.4s;position:relative}
.trow:hover{padding-left:14px}
.trow__i{font-family:var(--font-mono);font-size:12px;color:var(--gold-500);opacity:.7}
.trow__name{font-family:var(--font-display);font-size:clamp(20px,2.4vw,30px);font-weight:300;color:var(--paper)}
.trow__role{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:rgba(246,242,234,.55);justify-self:start}
@media(max-width:680px){.trow{grid-template-columns:34px 1fr;gap:12px}.trow__role{grid-column:2;justify-self:start;margin-top:2px}}

/* ============================================================
   BLOG
   ============================================================ */
.bgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,3vw,40px)}
@media(max-width:900px){.bgrid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.bgrid{grid-template-columns:1fr}}
.post{display:flex;flex-direction:column;cursor:pointer;group:post}
.post__media{aspect-ratio:3/2;border-radius:3px;overflow:hidden;margin-bottom:22px;position:relative}
.post__media img{width:100%;height:100%;object-fit:cover;transition:transform 1s var(--ease)}
.post:hover .post__media img{transform:scale(1.05)}
.post__cat{position:absolute;left:14px;top:14px;background:rgba(0,14,46,.7);backdrop-filter:blur(6px);color:var(--gold-300);font-family:var(--font-mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;padding:7px 12px;border-radius:2px}
.post__t{font-family:var(--font-display);font-size:clamp(21px,2.1vw,26px);font-weight:400;line-height:1.12;color:var(--ink-900);transition:.3s}
.navy .post__t{color:var(--paper)}
.post:hover .post__t{color:var(--gold-700)}
.navy .post:hover .post__t{color:var(--gold-300)}
.post__ex{font-size:14.5px;color:var(--ink-600);margin-top:12px;line-height:1.55}
.navy .post__ex{color:rgba(246,242,234,.6)}
.post__meta{display:flex;gap:16px;font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;color:var(--ink-400);margin-top:16px;padding-top:16px;border-top:1px solid var(--line-light)}
.navy .post__meta{color:rgba(246,242,234,.45);border-color:var(--line-dark)}

.post--feat{grid-column:1/-1;display:grid;grid-template-columns:1.15fr 1fr;gap:clamp(28px,4vw,56px);align-items:center}
.post--feat .post__media{aspect-ratio:16/10;margin-bottom:0}
.post--feat .post__t{font-size:clamp(28px,3.6vw,44px);font-weight:300;line-height:1.04}
@media(max-width:760px){.post--feat{grid-template-columns:1fr}}

/* ============================================================
   CONTACT
   ============================================================ */
.contact{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,96px)}
@media(max-width:880px){.contact{grid-template-columns:1fr;gap:48px}}
.field{margin-bottom:22px}
.field label{display:block;font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:rgba(246,242,234,.62);margin-bottom:10px}
.field .req{color:var(--gold-400)}
.input,.select,.textarea{
  width:100%;background:transparent;border:0;border-bottom:1px solid var(--line-dark);
  color:var(--paper);font-family:var(--font-sans);font-size:16px;padding:12px 0;transition:border-color .3s;
}
.input::placeholder,.textarea::placeholder{color:rgba(246,242,234,.32)}
.input:focus,.select:focus,.textarea:focus{outline:0;border-color:var(--gold-500)}
.select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23c9a24b' stroke-width='1.4' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 2px center;cursor:pointer}
.select option{background:var(--navy-850);color:var(--paper)}
.textarea{resize:vertical;min-height:96px}
.field2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:520px){.field2{grid-template-columns:1fr}}
.formnote{font-size:13px;color:rgba(246,242,234,.5);margin-top:6px;font-family:var(--font-mono);letter-spacing:.04em}

.office{padding:28px 0;border-top:1px solid var(--line-dark)}
.office:last-child{border-bottom:1px solid var(--line-dark)}
.office__city{display:flex;align-items:center;gap:12px;font-family:var(--font-display);font-size:26px;font-weight:300;color:var(--paper);margin-bottom:14px}
.office__flag{font-size:22px;line-height:1}
.office__row{display:flex;flex-direction:column;gap:5px;font-size:14.5px;color:rgba(246,242,234,.66);line-height:1.5}
.office__row a:hover{color:var(--gold-400)}
.office__contact{margin-top:14px;display:flex;flex-wrap:wrap;gap:8px 24px;font-family:var(--font-mono);font-size:12.5px;color:var(--gold-300)}

/* ============================================================
   CTA BAND
   ============================================================ */
.ctaband{position:relative;overflow:hidden}
.ctaband__inner{position:relative;z-index:1;display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:end}
@media(max-width:760px){.ctaband__inner{grid-template-columns:1fr;gap:28px}}

/* ---------- decorative node/line texture (brand system asset) ---------- */
.txhost{position:relative;overflow:hidden}
.tx-node{position:absolute;pointer-events:none;user-select:none;z-index:0;opacity:.16;width:clamp(240px,28vw,420px);height:auto}
.tx-node--br{right:clamp(-50px,-4vw,-15px);bottom:clamp(-50px,-4vw,-15px)}
.tx-node--tr{right:clamp(-40px,-3vw,-10px);top:clamp(-30px,-3vw,-10px)}

/* ============================================================
   FOOTER
   ============================================================ */
.footer{background:var(--navy-950);color:var(--paper);padding-top:clamp(64px,8vw,104px)}
.footer__top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:56px;border-bottom:1px solid var(--line-dark)}
@media(max-width:900px){.footer__top{grid-template-columns:1fr 1fr;gap:40px 30px}}
@media(max-width:520px){.footer__top{grid-template-columns:1fr}}
.footer__logo{margin-bottom:22px}
.footer__logo img{height:30px}
.footer__logo svg{height:28px;width:auto}
.footer__tag{color:rgba(246,242,234,.6);max-width:34ch;font-size:15px}
.footer__h{font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-400);margin-bottom:22px}
.footer__col a,.footer__col p{display:block;color:rgba(246,242,234,.7);font-size:14.5px;margin-bottom:12px;transition:.3s;line-height:1.5}
.footer__col a:hover{color:var(--paper)}
.footer__social{display:flex;gap:12px;margin-top:8px}
.footer__social a{width:42px;height:42px;border:1px solid var(--line-dark);border-radius:100px;display:flex;align-items:center;justify-content:center;color:rgba(246,242,234,.7);transition:.3s}
.footer__social a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900)}
.footer__bottom{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;padding:30px 0 44px;font-size:12.5px;color:rgba(246,242,234,.45);font-family:var(--font-mono);letter-spacing:.03em}
.footer__compliance{max-width:70ch;line-height:1.7}

/* ============================================================
   PAGE HERO (interior)
   ============================================================ */
.phero{position:relative;background:var(--navy-950);color:var(--paper);padding-top:clamp(150px,20vh,228px);padding-bottom:clamp(54px,8vw,96px);overflow:hidden}
.phero__bg{position:absolute;inset:0;opacity:.26}
.phero__bg img{width:100%;height:100%;object-fit:cover}
.phero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,14,46,.55) 0%,rgba(0,14,46,.7) 55%,var(--navy-950) 100%)}
.phero .wrap{position:relative;z-index:2}
.phero__title{max-width:19ch;color:var(--paper)}
.phero__sub{color:rgba(246,242,234,.72);max-width:54ch;margin-top:24px;font-size:clamp(17px,1.4vw,20px)}
.crumbs{display:flex;gap:10px;font-family:var(--font-mono);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:rgba(246,242,234,.5);margin-bottom:26px}
.crumbs a:hover{color:var(--gold-400)}
.crumbs span{color:var(--gold-400)}

/* striped placeholder */
.ph{position:relative;overflow:hidden;background:
  repeating-linear-gradient(45deg,var(--navy-800),var(--navy-800) 11px,var(--navy-850) 11px,var(--navy-850) 22px);
  display:flex;align-items:center;justify-content:center}
.ph__l{font-family:var(--font-mono);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:rgba(246,242,234,.5);text-align:center;padding:11px 16px;border:1px solid var(--line-dark);background:rgba(0,14,46,.45)}

/* ramos as grid (servicios page) */
.ramosgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.ramosgrid .rcard{flex:none;height:clamp(300px,30vw,384px)}
.ramosgrid .rcard__d{max-height:0}
.ramosgrid .rcard:hover .rcard__d{max-height:140px}
@media(max-width:900px){.ramosgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.ramosgrid{grid-template-columns:1fr}}

/* data viz bars */
.bars{display:flex;flex-direction:column}
.bar{padding:20px 0;border-bottom:1px solid var(--line-dark);opacity:0;transform:translateY(20px);transition:opacity .8s var(--ease-out),transform .8s var(--ease-out)}
.bar.in{opacity:1;transform:none}
.bar__top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px}
.bar__name{font-family:var(--font-display);font-size:clamp(19px,2vw,27px);font-weight:300;color:var(--paper)}
.bar__pct{font-family:var(--font-mono);font-size:15px;color:var(--gold-400)}
.bar__track{height:3px;background:var(--line-dark);position:relative;overflow:hidden;border-radius:2px}
.bar__fill{position:absolute;inset:0 100% 0 0;background:linear-gradient(90deg,var(--gold-600),var(--gold-300));border-radius:2px;transition:right 1.3s var(--ease-out) .15s}
.bar.in .bar__fill{right:var(--r,50%)}

/* business mix donut-ish split */
.mix{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line-dark)}
.mix__cell{background:var(--navy-900);padding:36px 28px 40px}
.mix__pct{font-family:var(--font-data);font-size:clamp(40px,5vw,68px);font-weight:300;color:var(--paper);line-height:1}
.mix__pct .unit{color:var(--gold-500);font-style:italic;font-size:.5em}
.mix__name{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:rgba(246,242,234,.6);margin-top:14px}
.mix__bar{height:2px;background:var(--gold-500);margin-top:18px;width:0;transition:width 1.2s var(--ease-out) .2s}
.mix__cell.in .mix__bar{width:var(--w,60%)}
@media(max-width:680px){.mix{grid-template-columns:1fr}}
@media(max-width:760px){.lncols{grid-template-columns:1fr!important;gap:14px!important}}

/* mercados chips */
.chips{display:flex;flex-wrap:wrap;gap:12px}
.chip{font-family:var(--font-mono);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--paper);background:none;border:1px solid var(--gold-line);padding:14px 22px;border-radius:100px;transition:.3s;cursor:pointer}
.chip:hover{background:var(--gold-500);color:var(--navy-900);border-color:var(--gold-500)}

.chips--onlight .chip{color:var(--ink-900);border-color:var(--line-light)}
.chips--onlight .chip.is-active{background:var(--navy-900);color:var(--paper);border-color:var(--navy-900)}

/* reinsurers full grid */
.regrid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.regrid .relogo{width:100%;height:96px}
@media(max-width:900px){.regrid{grid-template-columns:repeat(4,1fr)}}
@media(max-width:560px){.regrid{grid-template-columns:repeat(2,1fr)}}

/* ============================================================
   COUNTRIES (alcance regional)
   ============================================================ */
.crow{
  display:grid;grid-template-columns:84px 1fr 1fr 60px;gap:24px;align-items:baseline;
  padding:26px 0;border-bottom:1px solid var(--line-light);transition:padding .4s var(--ease),background .4s;
}
.crow:hover{padding-left:16px}
.crow__code{font-family:var(--font-mono);font-size:clamp(20px,2.2vw,28px);font-weight:600;color:var(--gold-600);letter-spacing:.04em}
.crow__name{font-family:var(--font-display);font-size:clamp(22px,2.6vw,34px);font-weight:300;color:var(--ink-900)}
.crow__city{font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-600)}
.crow__i{font-family:var(--font-mono);font-size:12px;color:var(--ink-400);justify-self:end}
@media(max-width:640px){
  .crow{grid-template-columns:56px 1fr;gap:8px 16px}
  .crow__city{grid-column:2;margin-top:2px}
  .crow__i{display:none}
}

/* utilities */
.center{text-align:center}
.mt-s{margin-top:18px}.mt-m{margin-top:32px}.mt-l{margin-top:52px}
.divider{height:1px;background:var(--line-dark);border:0;margin:0}
.gold-rule{width:54px;height:2px;background:var(--gold-500);border:0;margin:0 0 30px}
.eyebrow--center{justify-content:center}
.maxw-narrow{max-width:760px;margin-inline:auto}

/* ============================================================
   ARTICLE (blog post detail)
   ============================================================ */
.artcrumbs{max-width:70ch;margin-inline:auto}
.art__hero{position:relative;height:clamp(280px,42vw,460px);overflow:hidden}
.art__hero img{width:100%;height:100%;object-fit:cover}
.art__hero::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(180deg,rgba(0,14,46,.15) 0%,rgba(0,14,46,.75) 100%)}
.art__meta-bar{position:absolute;z-index:1;left:0;right:0;bottom:0;padding:clamp(24px,4vw,44px) var(--gutter)}
.art__meta-bar .wrap{padding:0}
.art__cat{display:inline-block;font-family:var(--font-mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-900);background:var(--gold-500);padding:6px 14px;border-radius:2px;margin-bottom:16px}
.art__title{color:var(--paper);max-width:26ch}
.art__submeta{display:flex;gap:18px;flex-wrap:wrap;margin-top:18px;font-family:var(--font-mono);font-size:12px;letter-spacing:.06em;color:rgba(246,242,234,.65)}
.prose{max-width:70ch;margin-inline:auto;font-size:17px;line-height:1.75;color:var(--ink-700)}
.prose p{margin:0 0 1.4em}
.prose h2{font-family:var(--font-display);font-weight:600;font-size:clamp(22px,3vw,30px);color:var(--ink-900);margin:1.6em 0 .6em;letter-spacing:-.01em}
.prose h3{font-family:var(--font-display);font-weight:600;font-size:clamp(18px,2.2vw,22px);color:var(--ink-900);margin:1.4em 0 .5em}
.prose ul{margin:0 0 1.4em;padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose strong{color:var(--ink-900);font-weight:600}
.prose blockquote{margin:1.8em 0;padding:4px 0 4px 24px;border-left:2px solid var(--gold-500);font-family:var(--font-data);font-style:italic;font-size:1.15em;color:var(--ink-900)}
.prose figure{margin:2.2em 0}
.prose figure img{width:100%;border-radius:4px;display:block;cursor:zoom-in}

/* lightbox */
.lightbox{position:fixed;inset:0;z-index:999;background:rgba(0,10,30,.92);display:flex;align-items:center;justify-content:center;padding:40px;opacity:0;pointer-events:none;transition:opacity .25s}
.lightbox.is-open{opacity:1;pointer-events:auto}
.lightbox__img{max-width:min(92vw,1100px);max-height:88vh;width:auto;height:auto;border-radius:4px;box-shadow:0 20px 60px rgba(0,0,0,.5);transform:scale(.97);transition:transform .25s}
.lightbox.is-open .lightbox__img{transform:scale(1)}
.lightbox__close{position:absolute;top:22px;right:clamp(20px,4vw,44px);width:44px;height:44px;border-radius:100px;background:rgba(246,242,234,.1);border:1px solid rgba(246,242,234,.3);color:var(--paper);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:.25s}
.lightbox__close:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900)}
.prose figcaption{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.06em;color:var(--ink-600);margin-top:10px;text-align:center}
.art__foot{max-width:70ch;margin:clamp(48px,6vw,72px) auto 0;padding-top:32px;border-top:1px solid var(--line-light);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}
.art__share{display:flex;gap:10px}
.art__share a{width:36px;height:36px;border-radius:100px;border:1px solid var(--line-light);display:flex;align-items:center;justify-content:center;color:var(--ink-600);transition:.3s}
.art__share a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-900)}

/* brochure alignment: bios, leadership cards, fronting flow */
.dir__bio{color:var(--ink-600);font-size:15px;line-height:1.65;margin-top:14px;max-width:52ch}
.leadgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,4vw,56px)}
.leadcard{border-top:1px solid var(--line-light);padding-top:22px}
.leadcard .dir__name{font-size:clamp(22px,2.4vw,30px)}
@media(max-width:820px){.leadgrid{grid-template-columns:1fr;gap:28px}}
.frflow{display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px;margin-top:clamp(28px,4vw,44px)}
.frflow__step{font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-900);border:1px solid var(--line-light);border-radius:100px;padding:12px 20px}
.frflow__step--tb{background:var(--navy-900);border-color:var(--navy-900);color:var(--paper)}
.frflow__arr{color:var(--gold-600)}
.frflow__tag{font-family:var(--font-display);font-size:clamp(18px,2vw,24px);font-weight:300;color:var(--navy-900);margin-top:26px}

.leadcard{border-top:0;padding-top:0}
.leadcard .dir__photo{aspect-ratio:1/1.1;margin-bottom:20px}
.dir__photo--ph{display:flex;align-items:center;justify-content:center;background:var(--navy-800)}
.dir__photo--ph span{font-family:var(--font-display);font-size:clamp(48px,7vw,84px);font-weight:300;letter-spacing:.04em;color:var(--gold-400)}

/* privacidad / consentimiento / credito */
.pv-upd{font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-600)}
.pv-legend{font-size:14px;line-height:1.7;border-left:3px solid var(--gold-500);padding:14px 18px;background:var(--paper-2)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:rgba(246,242,234,.78);margin-top:6px;cursor:pointer}
.consent input{margin-top:3px;accent-color:var(--gold-500);flex:none}
.consent a{color:var(--gold-400);text-decoration:underline;text-underline-offset:3px}
.formlegend{font-size:11.5px;line-height:1.55;color:rgba(246,242,234,.42);margin-top:14px}
.footer__bottom a{color:inherit;text-decoration:underline;text-underline-offset:3px}
.footer__bottom a:hover{color:var(--gold-400)}
.footer__credit{width:100%;font-size:10.5px;letter-spacing:.06em;color:rgba(246,242,234,.26)}
.footer__bottom .footer__credit a{text-decoration:none}
.footer__bottom .footer__credit a:hover{text-decoration:underline;color:rgba(246,242,234,.6)}