/* PHI Seguros — sistema de diseño
   Paleta: azul de marca + dorado de acento (extraídos del logo real).
   Proporción áurea: grillas 61.8/38.2, espaciados Fibonacci (8-13-21-34-55-89-144px). */

* { box-sizing: border-box; }

:root {
  --phi-blue: #0b4978;
  --phi-blue-dark: #082f4d;
  --phi-blue-tint: #eaf1f6;
  --phi-gold: #c9a227;
  --phi-gold-dark: #a9841b;
  --ink: #16232c;
  --ink-soft: #4b5c68;
  --paper: #ffffff;
  --line: #e3e9ed;
}

body {
  margin: 0;
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--paper);
  text-wrap: pretty;
}

h1, h2, h3 {
  font-family: 'Spectral', Georgia, 'Times New Roman', serif;
  font-weight: 500;
  margin: 0;
  letter-spacing: -0.01em;
}

p { margin: 0; }
a { color: var(--phi-blue); text-decoration: none; }
a:hover { color: var(--phi-blue-dark); }
ul { margin: 0; padding: 0; list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; }

.nav-link { color: var(--ink-soft); font-size: 15px; font-weight: 500; }
.nav-link:hover { color: var(--ink); }

.btn-primary { background: var(--phi-gold); color: #241902; }
.btn-primary:hover { background: var(--phi-gold-dark); }
.btn-outline { border: 1.5px solid rgba(255,255,255,0.55); color: #fff; background: transparent; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-ghost-blue { border: 1.5px solid var(--line); color: var(--phi-blue); background: #fff; }
.btn-ghost-blue:hover { background: var(--phi-blue-tint); }

.card { transition: box-shadow 180ms ease, transform 180ms ease; }
.card:hover { box-shadow: 0 18px 40px -22px rgba(11,73,120,0.28); transform: translateY(-2px); }

.wrap { max-width: 1160px; margin: 0 auto; padding-left: 34px; padding-right: 34px; }

/* HEADER */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  padding-top: 13px; padding-bottom: 13px;
  display: flex; align-items: center; justify-content: space-between; gap: 21px;
}
.site-header .logo img { height: 34px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 34px; }

/* HERO */
.hero { position: relative; overflow: hidden; background: var(--phi-blue-tint); }
.hero-spiral-bg { position: absolute; right: -140px; top: -40px; width: 620px; height: 620px; opacity: 0.1; }
.hero-grid {
  position: relative;
  padding-top: 89px; padding-bottom: 55px;
  display: grid; grid-template-columns: 61.8fr 38.2fr; gap: 55px; align-items: center;
}
.hero-eyebrow { display: inline-block; font-size: 13px; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: var(--phi-blue); }
.hero h1 { font-size: 56px; line-height: 1.08; margin-top: 13px; color: var(--ink); }
.hero-lead { font-size: 18px; line-height: 1.6; color: var(--ink-soft); margin-top: 21px; max-width: 52ch; }
.hero-actions { display: flex; align-items: center; gap: 21px; margin-top: 34px; flex-wrap: wrap; }
.btn-primary { padding: 13px 34px; border-radius: 3px; font-size: 15px; font-weight: 700; }
.hero-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 15px; color: var(--phi-blue); }
.hero-note { margin-top: 34px; font-size: 13px; color: var(--ink-soft); }
.hero-logo { justify-self: center; }
.hero-logo img { width: 100%; max-width: 300px; display: block; }

/* STATS */
.stats { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #fff; }
.stats-grid { padding-top: 34px; padding-bottom: 34px; display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 34px; }
.stat-num { font-family: 'Spectral', serif; font-size: 34px; color: var(--phi-blue); }
.stat-label { font-size: 14px; color: var(--ink-soft); margin-top: 5px; }

/* SECTION HEADINGS */
.section { padding-top: 89px; padding-bottom: 89px; }
.section-tint { background: var(--phi-blue-tint); }
.section-head { max-width: 55ch; }
.section-eyebrow { font-size: 13px; font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: var(--phi-blue); }
.section-head h2 { font-size: 34px; margin-top: 13px; color: var(--ink); }

/* COMO FUNCIONA */
.steps-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 34px; margin-top: 55px; }
.step-num { font-family: 'Spectral', serif; font-size: 42px; color: var(--phi-gold-dark); }
.step h3 { font-size: 20px; margin-top: 13px; color: var(--ink); }
.step p { font-size: 15px; line-height: 1.6; color: var(--ink-soft); margin-top: 8px; }

/* VALUE / COBERTURAS */
.value-grid { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr; gap: 21px; margin-top: 55px; }
.value-card { background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 21px; }
.value-card h3 { font-size: 17px; margin-top: 13px; color: var(--ink); }
.value-card p { font-size: 14px; line-height: 1.55; color: var(--ink-soft); margin-top: 5px; }

/* APP */
.app-grid { display: grid; grid-template-columns: 38.2fr 61.8fr; gap: 55px; align-items: center; }
.app-copy h2 { font-size: 32px; margin-top: 13px; color: var(--ink); }
.app-copy > p { font-size: 16px; line-height: 1.6; color: var(--ink-soft); margin-top: 13px; }
.app-list { margin-top: 21px; display: flex; flex-direction: column; gap: 13px; }
.app-list li { display: flex; align-items: center; gap: 8px; font-size: 15px; color: var(--ink); }
.app-store-actions { display: flex; gap: 13px; margin-top: 34px; flex-wrap: wrap; }
.app-store-actions button { padding: 13px 21px; border-radius: 3px; font-size: 13px; font-weight: 600; }

.phone { display: flex; justify-content: center; }
.phone-frame {
  width: 280px; border-radius: 34px; border: 1px solid var(--line);
  background: var(--phi-blue-tint); padding: 13px;
  box-shadow: 0 34px 68px -34px rgba(11,73,120,0.35);
}
.phone-screen { background: #fff; border-radius: 21px; overflow: hidden; border: 1px solid var(--line); }
.phone-top { background: var(--phi-blue); padding: 21px 21px 34px; }
.phone-top .greeting { color: rgba(255,255,255,0.75); font-size: 12px; }
.phone-top .title { color: #fff; font-size: 19px; font-weight: 700; margin-top: 5px; font-family: 'Spectral', serif; }
.phone-policies { padding: 13px; display: flex; flex-direction: column; gap: 13px; margin-top: -13px; }
.policy-card {
  background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 13px;
  box-shadow: 0 8px 21px -13px rgba(11,73,120,0.3);
}
.policy-card .row { display: flex; justify-content: space-between; align-items: center; }
.policy-card .name { font-size: 14px; font-weight: 700; color: var(--ink); }
.policy-card .badge { font-size: 10px; font-weight: 700; color: #1a7a4c; background: #e8f6ee; padding: 3px 8px; border-radius: 20px; }
.policy-card .num { font-size: 12px; color: var(--ink-soft); margin-top: 5px; }

/* COMPAÑIAS */
.companies { border-top: 1px solid var(--line); background: var(--phi-blue-tint); }
.companies .wrap { padding-top: 55px; padding-bottom: 55px; }
.companies-title { text-align: center; font-size: 13px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-soft); }
.companies-list { display: flex; flex-wrap: wrap; justify-content: center; gap: 13px; margin-top: 21px; }
.company-chip { font-size: 13px; color: var(--ink-soft); border: 1px dashed var(--line); background: #fff; padding: 8px 21px; border-radius: 20px; }

.tabs { display: flex; justify-content: center; gap: 5px; margin-top: 21px; }
.tab-btn {
  font-family: inherit; font-size: 13px; font-weight: 700; color: var(--ink-soft);
  background: transparent; border: none; padding: 8px 21px; border-radius: 20px; cursor: pointer;
}
.tab-btn:hover { color: var(--ink); }
.tab-btn.is-active { background: #fff; color: var(--phi-blue); box-shadow: 0 1px 3px rgba(11,73,120,0.15); }

.logo-grid {
  margin-top: 34px; display: grid; grid-template-columns: repeat(5, 1fr); gap: 13px;
}
.logo-grid[hidden] { display: none; }
@media (max-width: 720px) { .logo-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 480px) { .logo-grid { grid-template-columns: repeat(2, 1fr); } }
.logo-tile {
  background: #fff; border: 1px solid var(--line); border-radius: 6px;
  min-height: 68px; display: flex; align-items: center; justify-content: center;
  padding: 13px;
}
.logo-tile img { max-height: 32px; max-width: 84%; display: block; }
.logo-tile img.logo-recolor { filter: brightness(0) saturate(100%); opacity: 0.82; }
.logo-word { font-size: 14px; font-weight: 700; color: var(--phi-blue); text-align: center; letter-spacing: 0.01em; }

/* CTA BAND */
.cta-band { background: var(--phi-blue); }
.cta-band .wrap { padding-top: 55px; padding-bottom: 55px; display: flex; align-items: center; justify-content: space-between; gap: 34px; flex-wrap: wrap; }
.cta-band h2 { font-size: 28px; color: #fff; }
.cta-band p { font-size: 15px; color: rgba(255,255,255,0.78); margin-top: 8px; max-width: 46ch; }

/* FOOTER */
.site-footer { background: var(--phi-blue-dark); }
.footer-grid { padding-top: 55px; padding-bottom: 34px; display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 34px; }
.footer-brand img { height: 30px; width: auto; display: block; filter: brightness(0) invert(1); }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.6); margin-top: 13px; max-width: 32ch; }
.footer-col-title { font-size: 12px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(255,255,255,0.62); }
.footer-col ul { margin-top: 13px; display: flex; flex-direction: column; gap: 8px; }
.footer-col a { font-size: 14px; color: rgba(255,255,255,0.75); }
.footer-col li { font-size: 14px; color: rgba(255,255,255,0.75); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); }
.footer-bottom .wrap { padding-top: 21px; padding-bottom: 21px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 13px; }
.footer-legal { font-size: 12px; color: rgba(255,255,255,0.65); }
.social-links { display: flex; gap: 13px; }
.social-links a { color: rgba(255,255,255,0.6); display: flex; }

@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-spiral-bg { display: none; }
  .hero-logo { justify-self: center; max-width: 200px; margin: 0 auto; }
  .app-grid { grid-template-columns: 1fr; }
  .app-grid .phone { order: -1; }
  .steps-grid { grid-template-columns: 1fr; }
  .value-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 42px; }
  .section-head h2 { font-size: 30px; }
  .wrap { padding-left: 21px; padding-right: 21px; }
  .nav-links { display: none; }
}

@media (max-width: 520px) {
  .value-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
}