/* =============================================
   SEGURO DE VIDA BCP — Banco de Crédito del Perú
   Paleta: Azul BCP #003DA5 | Naranja #FF6200
   Tipografía: Playfair Display + DM Sans
   ============================================= */

:root {
    --blue:        #003DA5;
    --blue-dark:   #002570;
    --blue-mid:    #0052CC;
    --blue-light:  #EBF2FF;
    --orange:      #FF6200;
    --orange-light:#FFF0E8;
    --text-dark:   #0D1B3E;
    --text-mid:    #4A5568;
    --text-light:  #718096;
    --white:       #FFFFFF;
    --bg:          #F7F9FC;
    --shadow:      0 8px 40px rgba(0,61,165,.12);
    --shadow-sm:   0 4px 16px rgba(0,0,0,.06);
    --r:           16px;
    --r-sm:        8px;
    --r-pill:      999px;
    --ease:        all .3s cubic-bezier(.25,.8,.25,1);
}

*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: 'DM Sans', system-ui, sans-serif;
    background: var(--bg);
    color: var(--text-dark);
    line-height: 1.65;
    overflow-x: hidden;
}

h1,h2,h3,h4,h5 {
    font-family: 'Playfair Display', Georgia, serif;
    font-weight: 800;
    line-height: 1.2;
}

img { max-width:100%; display:block; }

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 2rem;
}

/* ===== TOPBAR ===== */
.topbar {
    background: var(--blue-dark);
    color: rgba(255,255,255,.75);
    font-size: .78rem;
    padding: .45rem 2rem;
    display: flex;
    justify-content: center;
    gap: 2.5rem;
    flex-wrap: wrap;
}
.topbar span { display:flex; align-items:center; gap:6px; }
.topbar i { color: var(--orange); }

/* ===== HEADER ===== */
header {
    background: var(--white);
    border-bottom: 3px solid var(--blue);
    position: fixed;
    width: 100%;
    top: 32px; /* height of topbar */
    z-index: 1000;
    box-shadow: 0 2px 20px rgba(0,61,165,.1);
}
.nav-container {
    max-width: 1180px;
    margin: 0 auto;
    padding: .85rem 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

/* Logo */
.logo { display:flex; align-items:center; gap:12px; text-decoration:none; }
.logo-mark {
    width:42px; height:42px;
    background: linear-gradient(135deg, var(--blue), var(--blue-mid));
    border-radius:10px;
    display:flex; align-items:center; justify-content:center;
    color:white; font-size:1.2rem;
}
.logo-text { display:flex; flex-direction:column; line-height:1; }
.logo-name { font-family:'DM Sans',sans-serif; font-size:1.6rem; font-weight:700; line-height:1; }
.l-via  { color: var(--blue); }
.l-bcp  { color: var(--orange); }
.logo-text small { font-size:.62rem; color:var(--text-light); margin-top:3px; }

/* Nav */
.nav-links { list-style:none; display:flex; align-items:center; gap:2rem; }
.nav-links li a {
    text-decoration:none; color:var(--text-dark);
    font-weight:600; font-size:.92rem;
    transition: var(--ease); position:relative;
}
.nav-links li a::after {
    content:''; position:absolute;
    width:0; height:2px; bottom:-4px; left:0;
    background:var(--blue); transition: var(--ease);
}
.nav-links li a:hover { color:var(--blue); }
.nav-links li a:hover::after { width:100%; }

/* ===== BUTTONS ===== */
.btn {
    display:inline-flex; align-items:center; gap:8px;
    padding:.8rem 1.8rem; border-radius:var(--r-pill);
    font-weight:700; font-size:.93rem;
    text-decoration:none; transition:var(--ease);
    cursor:pointer; border:none;
}
.btn-primary {
    background: linear-gradient(135deg, var(--blue), var(--blue-mid));
    color:var(--white);
    box-shadow: 0 4px 18px rgba(0,61,165,.35);
    font-size:.85rem; padding:.65rem 1.4rem;
}
.btn-primary:hover { transform:translateY(-2px); box-shadow:0 8px 26px rgba(0,61,165,.45); }

.btn-hero {
    background: linear-gradient(135deg, var(--orange), #ff8533);
    color:var(--white);
    padding:1rem 2.2rem; font-size:1rem;
    box-shadow:0 6px 24px rgba(255,98,0,.4);
}
.btn-hero:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(255,98,0,.5); }

.btn-ghost {
    background:transparent; color:var(--blue);
    border:2px solid rgba(0,61,165,.25);
    padding:.85rem 1.8rem;
}
.btn-ghost:hover { background:var(--blue-light); border-color:var(--blue); }

.btn-submit {
    width:100%; justify-content:center;
    background: linear-gradient(135deg, var(--orange), #ff8533);
    color:var(--white); padding:1rem;
    font-size:1rem; margin-top:.5rem;
    box-shadow:0 4px 18px rgba(255,98,0,.35);
}
.btn-submit:hover { transform:translateY(-2px); box-shadow:0 8px 26px rgba(255,98,0,.45); }

.btn-plan-primary {
    width:100%; justify-content:center;
    background: linear-gradient(135deg, var(--blue), var(--blue-mid));
    color:var(--white);
    box-shadow:0 4px 18px rgba(0,61,165,.3);
}
.btn-plan-primary:hover { transform:translateY(-2px); }

.btn-plan-outline {
    width:100%; justify-content:center;
    background:transparent; color:var(--blue);
    border:2px solid var(--blue);
}
.btn-plan-outline:hover { background:var(--blue); color:var(--white); }

.btn-cta {
    background:var(--white); color:var(--blue);
    padding:1rem 2.4rem; font-size:1.05rem;
    box-shadow:0 6px 24px rgba(0,0,0,.15);
}
.btn-cta:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(0,0,0,.2); }

/* ===== HERO ===== */
.hero {
    padding:160px 2rem 80px;
    background: linear-gradient(150deg, #dce8ff 0%, #eef4ff 40%, #f7f9fc 100%);
    position:relative; overflow:hidden;
}
.hero-bg-shapes { position:absolute; inset:0; pointer-events:none; z-index:0; }
.shape {
    position:absolute; border-radius:50%;
    background:radial-gradient(circle, rgba(255,98,0,.08), transparent 70%);
}
.shape-1 { width:600px; height:600px; top:-150px; right:-100px; }
.shape-2 { width:400px; height:400px; bottom:-100px; left:-80px;
           background:radial-gradient(circle, rgba(0,61,165,.07), transparent 70%); }
.shape-3 { width:300px; height:300px; top:50%; left:40%;
           background:radial-gradient(circle, rgba(255,98,0,.05), transparent 70%); }

.hero-container {
    max-width:1180px; margin:0 auto;
    display:grid; grid-template-columns:1.1fr .9fr;
    gap:4rem; align-items:center; position:relative; z-index:1;
}

.hero-eyebrow {
    display:inline-flex; align-items:center; gap:8px;
    background:rgba(255,98,0,.12); color:var(--orange);
    font-weight:700; font-size:.8rem;
    padding:.4rem 1.1rem; border-radius:var(--r-pill);
    margin-bottom:1.2rem; text-transform:uppercase; letter-spacing:.06em;
}
.hero-content h1 {
    font-size:3.4rem; color:var(--blue-dark); margin-bottom:1.3rem;
}
.hero-content h1 .highlight { color:var(--orange); }
.hero-content > p { font-size:1.1rem; color:var(--text-mid); max-width:480px; margin-bottom:2rem; }

.hero-features { display:flex; flex-wrap:wrap; gap:.6rem; margin-bottom:2rem; }
.feature-pill {
    display:inline-flex; align-items:center; gap:6px;
    background:var(--white); border:1px solid rgba(0,61,165,.1);
    color:var(--blue); font-size:.82rem; font-weight:600;
    padding:.38rem .9rem; border-radius:var(--r-pill);
    box-shadow:var(--shadow-sm);
}
.feature-pill i { color:var(--orange); }

.hero-cta { display:flex; flex-wrap:wrap; gap:1rem; margin-bottom:2rem; }

.trust-strip {
    display:flex; flex-wrap:wrap; gap:1.5rem;
    padding-top:1.5rem;
    border-top:1px solid rgba(0,61,165,.1);
}
.trust-item { display:flex; align-items:center; gap:7px; font-size:.8rem; color:var(--text-mid); }
.trust-item i { color:var(--blue); }

/* ===== FORM CARD ===== */
.form-card {
    background:var(--white);
    border-radius:24px;
    box-shadow:var(--shadow);
    border-top:4px solid var(--blue);
    overflow:hidden;
}
.form-card-header {
    background: linear-gradient(135deg, var(--blue-dark), var(--blue));
    color:var(--white); padding:1.8rem 2rem; text-align:center;
}
.form-icon-wrap {
    width:56px; height:56px;
    background:rgba(255,255,255,.15); border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto .8rem; font-size:1.5rem;
}
.form-card-header h3 { color:var(--white); font-size:1.3rem; font-family:'DM Sans',sans-serif; font-weight:700; }
.form-card-header p { color:rgba(255,255,255,.7); font-size:.82rem; margin-top:.3rem; }

form { padding:1.6rem 2rem; }

.form-row { margin-bottom:0; }
.two-col { display:grid; grid-template-columns:1fr 1fr; gap:.8rem; }

.form-group { margin-bottom:1rem; }
.form-group label { display:block; font-size:.83rem; font-weight:600; color:var(--text-dark); margin-bottom:.4rem; }

.input-wrap { position:relative; }
.input-wrap i {
    position:absolute; left:.85rem; top:50%; transform:translateY(-50%);
    color:var(--blue); font-size:.85rem; pointer-events:none;
}
.input-wrap input, .input-wrap select { padding-left:2.4rem; }

.form-control {
    width:100%; padding:.72rem .9rem;
    border:1.5px solid #d1dde8; border-radius:var(--r-sm);
    font-size:.92rem; font-family:'DM Sans',sans-serif;
    background:#fafcff; color:var(--text-dark); transition:var(--ease);
}
.form-control:focus {
    outline:none; border-color:var(--blue);
    box-shadow:0 0 0 3px rgba(0,61,165,.1); background:var(--white);
}

.consent-wrap {
    display:flex; gap:10px; align-items:flex-start; margin:.8rem 0;
}
.consent-wrap input[type="checkbox"] {
    margin-top:3px; accent-color:var(--blue);
    width:15px; height:15px; flex-shrink:0;
}
.consent-wrap label { font-size:.74rem; color:#666; line-height:1.5; }
.consent-wrap a { color:var(--blue); font-weight:600; }

.form-legal { font-size:.69rem; color:#999; text-align:center; margin-top:.8rem; line-height:1.5; }

.msg-error {
    background:#fff0f0; color:#c0392b; border:1px solid #ffc0bb;
    border-radius:var(--r-sm); padding:.7rem .9rem;
    font-size:.82rem; display:flex; align-items:center; gap:8px;
    margin-bottom:.6rem;
}
.msg-success {
    padding:2rem; text-align:center;
    display:flex; flex-direction:column; align-items:center; gap:.6rem;
}
.success-icon { font-size:3rem; color:#27ae60; }
.msg-success h4 { font-family:'DM Sans',sans-serif; font-weight:700; font-size:1.2rem; }
.msg-success p { font-size:.88rem; color:var(--text-mid); }
.success-contact {
    background:var(--blue-light); color:var(--blue);
    padding:.7rem 1.2rem; border-radius:var(--r-sm);
    font-size:.83rem; font-weight:600; margin-top:.4rem;
}

/* ===== SECTION COMMONS ===== */
.section-label {
    display:inline-block;
    background:rgba(0,61,165,.08); color:var(--blue);
    font-size:.75rem; font-weight:700; text-transform:uppercase; letter-spacing:.1em;
    padding:.3rem 1rem; border-radius:var(--r-pill); margin-bottom:.8rem;
}
.section-label.light { background:rgba(255,255,255,.15); color:rgba(255,255,255,.85); }

h2 { font-size:2.2rem; color:var(--blue-dark); margin-bottom:.8rem; }
.section-sub { color:var(--text-mid); max-width:600px; margin:0 auto 3rem; font-size:.97rem; }

/* ===== COBERTURAS ===== */
.coberturas { padding:6rem 2rem; background:var(--white); text-align:center; }
.cob-grid {
    max-width:1100px; margin:0 auto;
    display:grid; grid-template-columns:repeat(auto-fit, minmax(280px, 1fr));
    gap:1.5rem;
}
.cob-card {
    background:var(--bg); border:1.5px solid #e2eaf4;
    border-radius:var(--r); padding:2rem 1.6rem; text-align:center;
    transition:var(--ease); position:relative; overflow:hidden; cursor:default;
}
.cob-card::before {
    content:''; position:absolute; top:0; left:0;
    width:100%; height:4px;
    background: linear-gradient(90deg, var(--blue), var(--orange));
    transform:scaleX(0); transform-origin:left; transition:transform .4s ease;
}
.cob-card:hover { transform:translateY(-8px); box-shadow:0 20px 50px rgba(0,61,165,.12); border-color:rgba(0,61,165,.2); }
.cob-card:hover::before { transform:scaleX(1); }
.cob-card.featured { background:var(--blue-light); border-color:rgba(0,61,165,.2); }

.cob-icon {
    width:64px; height:64px;
    background:rgba(0,61,165,.1); border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    margin:0 auto 1.2rem; color:var(--blue); font-size:1.6rem;
    transition:var(--ease);
}
.cob-card:hover .cob-icon { background: linear-gradient(135deg, var(--blue), var(--blue-mid)); color:white; transform:scale(1.1); }
.cob-card h3 { font-family:'DM Sans',sans-serif; font-weight:700; font-size:1.05rem; margin-bottom:.6rem; }
.cob-card p { font-size:.87rem; color:var(--text-mid); line-height:1.6; }

.cob-badge {
    display:inline-block; margin-top:1rem;
    background:var(--blue); color:white;
    font-size:.72rem; font-weight:700; text-transform:uppercase; letter-spacing:.05em;
    padding:.25rem .75rem; border-radius:var(--r-pill);
}

/* ===== PLANES ===== */
.planes { padding:6rem 2rem; background:var(--bg); text-align:center; }
.planes-grid {
    max-width:1000px; margin:0 auto 2rem;
    display:grid; grid-template-columns:repeat(auto-fit, minmax(280px, 1fr));
    gap:1.5rem; align-items:start;
}

.plan-card {
    background:var(--white); border:1.5px solid #e2eaf4;
    border-radius:20px; padding:2.2rem 1.8rem;
    text-align:center; transition:var(--ease); position:relative;
}
.plan-card:hover { transform:translateY(-6px); box-shadow:0 20px 50px rgba(0,61,165,.12); }

.plan-card.popular {
    border-color:var(--blue); border-width:2px;
    box-shadow:0 12px 40px rgba(0,61,165,.15);
    transform:scale(1.03);
}
.plan-card.popular:hover { transform:scale(1.03) translateY(-6px); }

.popular-badge {
    position:absolute; top:-14px; left:50%; transform:translateX(-50%);
    background: linear-gradient(135deg, var(--orange), #ff8533);
    color:white; font-size:.75rem; font-weight:700;
    padding:.3rem 1rem; border-radius:var(--r-pill); white-space:nowrap;
}
.plan-name { font-family:'DM Sans',sans-serif; font-weight:700; color:var(--text-mid); font-size:.9rem; text-transform:uppercase; letter-spacing:.08em; margin-bottom:.8rem; }
.plan-price { display:flex; align-items:baseline; justify-content:center; gap:3px; margin-bottom:.5rem; }
.currency { font-size:1.3rem; font-weight:700; color:var(--blue); margin-top:6px; }
.amount { font-family:'Playfair Display',serif; font-size:3.5rem; font-weight:900; color:var(--blue); }
.period { font-size:.9rem; color:var(--text-light); }
.plan-suma { font-size:.82rem; color:var(--orange); font-weight:700; margin-bottom:1.5rem; }

.plan-features { list-style:none; text-align:left; margin-bottom:1.8rem; }
.plan-features li {
    display:flex; align-items:center; gap:8px;
    font-size:.86rem; color:var(--text-mid); padding:.45rem 0;
    border-bottom:1px solid #f0f4f8;
}
.plan-features li:last-child { border:none; }
.plan-features li i.fa-check { color:#27ae60; }
.plan-features li i.fa-xmark { color:#ccc; }
.plan-features li.disabled { color:#bbb; }

.planes-disclaimer { font-size:.74rem; color:var(--text-light); max-width:700px; margin:0 auto; line-height:1.6; }

/* ===== POR QUÉ BCP ===== */
.porque-bcp {
    padding:6rem 2rem;
    background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 100%);
    color:white;
}
.pbcp-grid { max-width:1100px; margin:0 auto; display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:center; }

.porque-bcp h2 { color:white; font-size:2rem; margin-bottom:1rem; }
.porque-bcp > .container > p { color:rgba(255,255,255,.75); }
.pbcp-left p { color:rgba(255,255,255,.75); font-size:.97rem; margin-bottom:2rem; }

.pbcp-stats { display:grid; grid-template-columns:1fr 1fr; gap:1.2rem; }
.pstat {
    background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.1);
    border-radius:var(--r); padding:1.2rem; text-align:center;
}
.pstat-num { display:block; font-family:'Playfair Display',serif; font-size:2.4rem; font-weight:900; color:var(--orange); }
.pstat-label { font-size:.78rem; color:rgba(255,255,255,.65); font-weight:600; }

.pbcp-right { display:flex; flex-direction:column; gap:1.2rem; }
.pbcp-item {
    display:flex; gap:1.2rem; align-items:flex-start;
    background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.1);
    border-radius:var(--r); padding:1.2rem 1.5rem;
    transition:var(--ease);
}
.pbcp-item:hover { background:rgba(255,255,255,.12); }
.pbcp-icon {
    width:46px; height:46px; flex-shrink:0;
    background:rgba(255,98,0,.2); border-radius:10px;
    display:flex; align-items:center; justify-content:center;
    color:#ffb380; font-size:1.1rem;
}
.pbcp-item h4 { color:white; font-family:'DM Sans',sans-serif; font-weight:700; margin-bottom:.3rem; font-size:.95rem; }
.pbcp-item p { color:rgba(255,255,255,.65); font-size:.83rem; line-height:1.55; }

/* ===== CTA FINAL ===== */
.cta-final {
    padding:5rem 2rem;
    background: linear-gradient(135deg, #fff8f4 0%, #fff0e8 100%);
    text-align:center; border-top:1px solid rgba(255,98,0,.15);
}
.cta-content { max-width:620px; margin:0 auto; }
.cta-icon { font-size:3.5rem; color:var(--orange); margin-bottom:1.5rem; display:block; }
.cta-final h2 { color:var(--blue-dark); margin-bottom:1rem; }
.cta-final p { color:var(--text-mid); margin-bottom:2rem; font-size:1rem; }

/* ===== REGULATORY ===== */
.regulatory {
    padding:2.5rem 2rem;
    background:var(--blue-light);
    border-top:1px solid rgba(0,61,165,.1);
}
.reg-grid {
    display:flex; flex-wrap:wrap;
    justify-content:center; gap:1.5rem;
}
.reg-item {
    display:flex; align-items:center; gap:12px;
    background:white; padding:.9rem 1.4rem;
    border-radius:var(--r); box-shadow:var(--shadow-sm);
    border:1px solid rgba(0,61,165,.08);
    flex:1; min-width:220px; max-width:300px;
}
.reg-item > i {
    width:40px; height:40px; flex-shrink:0;
    background:rgba(0,61,165,.08); border-radius:8px;
    display:flex; align-items:center; justify-content:center;
    color:var(--blue); font-size:1.1rem;
}
.reg-item div { display:flex; flex-direction:column; }
.reg-item strong { font-size:.87rem; color:var(--text-dark); }
.reg-item span { font-size:.73rem; color:var(--text-light); margin-top:1px; }

/* ===== FOOTER ===== */
footer { background:#06102a; color:#a0aec0; }

.footer-main {
    display:grid; grid-template-columns:1.6fr 1fr 1fr 1fr;
    gap:3rem; padding:4rem 0 3rem;
    border-bottom:1px solid rgba(255,255,255,.06);
}
.footer-logo { display:block; font-family:'DM Sans',sans-serif; font-size:2rem; font-weight:900; margin-bottom:1rem; text-decoration:none; }
.footer-seguros { font-size:1rem; color:rgba(255,255,255,.4); font-weight:400; }

.footer-brand p { font-size:.85rem; line-height:1.65; margin-bottom:.6rem; }
.footer-ruc { font-size:.73rem !important; color:#4a5568 !important; margin-top:1rem; }

.footer-links-col h4 {
    color:white; font-family:'DM Sans',sans-serif; font-weight:700;
    font-size:.95rem; margin-bottom:1.2rem; padding-bottom:.6rem;
    border-bottom:2px solid var(--orange); display:inline-block;
}
.footer-links-col ul { list-style:none; }
.footer-links-col li { margin-bottom:.6rem; font-size:.85rem; display:flex; align-items:center; gap:7px; }
.footer-links-col li i { color:var(--orange); font-size:.75rem; }
.footer-links-col a { color:#a0aec0; text-decoration:none; transition:var(--ease); }
.footer-links-col a:hover { color:var(--orange); padding-left:4px; }

.footer-legal {
    padding:1.8rem 0;
    border-bottom:1px solid rgba(255,255,255,.05);
    font-size:.72rem; color:#4a5568; line-height:1.7;
}

.footer-bottom {
    display:flex; justify-content:space-between; align-items:center;
    flex-wrap:wrap; gap:1rem; padding:1.4rem 0; font-size:.8rem;
}
.footer-bottom-links { display:flex; gap:1.5rem; }
.footer-bottom-links a { color:#a0aec0; text-decoration:none; }
.footer-bottom-links a:hover { color:white; }

/* ===== MOBILE MENU ===== */
.mobile-menu-btn {
    display:none; background:none; border:none;
    font-size:1.4rem; color:var(--blue); cursor:pointer;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1050px) {
    .footer-main { grid-template-columns:1fr 1fr; }
    .pbcp-grid { grid-template-columns:1fr; gap:3rem; }
}

@media (max-width: 960px) {
    .hero-container { grid-template-columns:1fr; text-align:center; }
    .hero-content h1 { font-size:2.6rem; }
    .hero-content > p { max-width:100%; }
    .hero-features { justify-content:center; }
    .hero-cta { justify-content:center; }
    .trust-strip { justify-content:center; }
    .hero-form { max-width:520px; margin:0 auto; }
    header { top: 48px; }
}

@media (max-width: 768px) {
    .topbar { display:none; }
    header { top:0; }
    .hero { padding-top:110px; }

    .nav-links {
        display:none; position:absolute; top:100%; left:0;
        width:100%; background:white; flex-direction:column;
        padding:2rem; box-shadow:0 10px 30px rgba(0,61,165,.1);
        text-align:center; border-top:1px solid #eef;
    }
    .nav-links.active { display:flex; }
    .mobile-menu-btn { display:block; }

    .hero-content h1 { font-size:2rem; }
    .two-col { grid-template-columns:1fr; }
    .pbcp-stats { grid-template-columns:1fr 1fr; }
    .footer-main { grid-template-columns:1fr; }
    .footer-bottom { flex-direction:column; text-align:center; }
    .plan-card.popular { transform:none; }
}

/* ===== ANIMATIONS ===== */
@keyframes fadeUp {
    from { opacity:0; transform:translateY(28px); }
    to   { opacity:1; transform:translateY(0); }
}
.hero-content { animation: fadeUp .8s ease forwards; }
.hero-form     { animation: fadeUp .8s ease .2s both; }

/* ===== ACCESSIBILITY ===== */
a:focus, button:focus, input:focus, select:focus {
    outline:2px solid var(--orange); outline-offset:2px;
}