:root {
  --bg:#eff3f9;
  --surface:#ffffff;
  --surface-soft:#f7f9fd;
  --line:#d9e1ef;
  --text:#1c2640;
  --muted:#61708d;
  --primary:#0d4fcb;
  --primary-dark:#0a3f9f;
  --navy:#12316f;
  --navy-dark:#0b2452;
  --accent:#19c36b;
  --shadow:0 22px 54px rgba(19,42,92,.12);
  --radius:28px;
  --container:1320px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,sans-serif;color:var(--text);background:linear-gradient(180deg,#edf2f8 0%,#f7f9fd 100%)}
a{text-decoration:none;color:inherit} img{display:block;max-width:100%} button,input,select,textarea{font:inherit}
.container{width:min(var(--container),calc(100% - 36px));margin:0 auto}.section{padding:84px 0}.section-light{background:rgba(255,255,255,.58);border-top:1px solid rgba(217,225,239,.75);border-bottom:1px solid rgba(217,225,239,.75)}.page-soft{background:linear-gradient(180deg,#f0f4fa 0%,#fbfcfe 100%)}
.site-header{position:sticky;top:0;z-index:70;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(217,225,239,.85)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 0}.brand{display:flex;align-items:center;gap:16px;min-width:0}.brand img{width:290px;max-width:42vw;height:auto}.brand strong,.brand span{display:none}.nav-links{display:flex;align-items:center;gap:34px}.nav-links a{font-weight:700;color:#2e3953;position:relative}.nav-links a:hover,.nav-links a.active{color:var(--primary)}.nav-links a.active::after,.nav-links a:hover::after{content:'';position:absolute;left:0;right:0;bottom:-14px;height:3px;border-radius:999px;background:var(--primary)}.menu-btn{display:none;background:none;border:0;font-size:1.8rem;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:none;border-radius:16px;padding:15px 22px;font-weight:800;cursor:pointer;transition:.18s ease}.btn:hover{transform:translateY(-1px)}.btn-primary{background:linear-gradient(135deg,#1f69eb,#0d4fcb);color:#fff;box-shadow:0 16px 34px rgba(13,79,203,.22)}.btn-primary:hover{background:linear-gradient(135deg,#1558d3,#093eaa)}.btn-secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}.btn-white{background:#fff;color:var(--navy)}.desktop-cta{min-width:172px}
.hero-home{padding:36px 0 30px}.hero-shell{background:#fff;border:1px solid rgba(217,225,239,.95);border-radius:30px;box-shadow:var(--shadow);overflow:hidden}.hero-grid-premium{display:grid;grid-template-columns:1.12fr 1.28fr .92fr;align-items:stretch}.hero-copy{padding:58px 42px 44px 46px;background:linear-gradient(180deg,#ffffff 0%,#f9fbff 100%);position:relative}.hero-copy h1{font-size:clamp(2.6rem,5vw,4.45rem);line-height:.98;margin:18px 0 18px;color:#17366d;letter-spacing:-.04em;max-width:440px}.hero-copy p{color:var(--muted);font-size:1.15rem;line-height:1.72;max-width:450px}.pill,.section-tag{display:inline-flex;align-items:center;gap:8px;border-radius:999px;padding:9px 15px;background:#e9f0ff;color:var(--primary);font-size:.82rem;font-weight:800}.hero-actions,.action-row,.success-actions,.step-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.hero-actions{margin:28px 0 30px}.hero-quick-circles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:8px}.quick-circle{background:rgba(255,255,255,.96);border:1px solid #dbe4f3;border-radius:24px;padding:18px 14px;text-align:center;box-shadow:0 12px 24px rgba(12,41,94,.08)}.quick-circle .icon{width:66px;height:66px;border-radius:50%;margin:0 auto 12px;background:#f2f6ff;color:var(--navy);display:grid;place-items:center;font-size:1.7rem}.quick-circle strong{display:block;color:#12316f;margin-bottom:7px}.quick-circle span{display:block;color:var(--muted);font-size:.93rem;line-height:1.45}
.hero-visual{position:relative;min-height:620px;background:linear-gradient(135deg,#dce8ff,#f5f8ff);overflow:hidden}.hero-visual img{width:100%;height:100%;object-fit:cover}.hero-visual::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(245,249,255,.18),rgba(255,255,255,0) 36%, rgba(255,255,255,0) 68%, rgba(245,249,255,.18))}.hero-side-chat{background:#f4f6fb;padding:20px;border-left:1px solid rgba(217,225,239,.95);display:flex;align-items:center;justify-content:center}.chat-card-demo{width:100%;max-width:360px;background:#fff;border:1px solid #dbe3f2;border-radius:28px;box-shadow:0 22px 50px rgba(14,34,80,.15);overflow:hidden}.chat-card-header{background:linear-gradient(135deg,#1456c9,#0b3f97);padding:18px 18px 16px;color:#fff;display:flex;align-items:center;justify-content:space-between}.chat-card-user{display:flex;align-items:center;gap:12px}.avatar-img{width:58px;height:58px;border-radius:50%;object-fit:cover;border:3px solid rgba(255,255,255,.9);box-shadow:0 10px 22px rgba(0,0,0,.15)}.avatar-img.small{width:34px;height:34px;border-width:2px}.chat-card-header h3{margin:0;font-size:1.65rem}.chat-card-header p{margin:4px 0 0;color:rgba(255,255,255,.78);font-size:.9rem}.chat-online{display:flex;align-items:center;gap:10px;padding:14px 18px;border-bottom:1px solid #e3e8f2;color:#36415b;font-weight:700;background:#fbfcff}.dot-online{width:11px;height:11px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 6px rgba(25,195,107,.14)}.chat-demo-body{padding:18px;display:grid;gap:14px;background:#fbfcff}.demo-msg{display:grid;grid-template-columns:36px 1fr;gap:10px;align-items:flex-start}.demo-msg.user{grid-template-columns:1fr;justify-items:end}.bubble{background:#eef3fb;border-radius:18px;padding:16px 16px;line-height:1.5;color:#34415c}.demo-msg.user .bubble{background:#2d76ea;color:#fff;max-width:150px}.chat-options{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.chat-option{background:#fff;border:1px solid #d9e2f0;border-radius:14px;padding:12px 10px;font-weight:700;color:#2551a5;text-align:center}
.feature-band{background:linear-gradient(135deg,#0c326f,#0d234f);color:#fff}.feature-band .container{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding-top:0;padding-bottom:0}.feature-item{padding:30px 10px;display:flex;align-items:center;gap:18px}.feature-icon{width:78px;height:78px;border-radius:50%;background:rgba(255,255,255,.12);display:grid;place-items:center;font-size:2rem;flex:none}.feature-item strong{display:block;font-size:1.38rem;margin-bottom:6px}.feature-item span{display:block;color:rgba(255,255,255,.75);line-height:1.55}
.section-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:34px;align-items:center}.section h2,.contact-page h1,.quote-form-block h1{font-size:clamp(2.15rem,4vw,3.3rem);line-height:1.05;margin:15px 0 18px;color:#16294e}.section p,.contact-page p,.quote-form-block p,.producer-box p{color:var(--muted);line-height:1.76;font-size:1.05rem}.content-image-card{background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);overflow:hidden}.content-image-card img{width:100%;height:100%;object-fit:cover}.card-soft,.service-card,.logo-card,.contact-card,.mini-card,.quote-progress-box,.suggestion-box,.review-box,.success-card{background:#fff;border:1px solid rgba(217,225,239,.95);border-radius:24px;box-shadow:var(--shadow)}.check-list{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}.check-list li{position:relative;padding-left:32px;color:#44516c}.check-list li::before{content:'✔';position:absolute;left:0;top:0;color:#0d62dd;font-weight:800}.closing-line{font-weight:800;color:#1a3f87}
.section-head{max-width:760px;margin:0 auto 28px;text-align:center}.service-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:24px}.service-visual-card{overflow:hidden;min-height:390px}.service-visual-card img{width:100%;height:100%;object-fit:cover}.service-icons-card{padding:34px 30px;display:grid;align-content:center}.service-icons-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:18px 0 28px}.service-icon-item{text-align:center}.service-icon-item .service-icon{width:64px;height:64px;border-radius:20px;background:#edf3ff;display:grid;place-items:center;margin:0 auto 10px}.service-icon-item img{width:32px;height:32px}.service-icon-item strong{display:block;color:#17366d;font-size:.96rem}.service-icon-item span{display:block;color:var(--muted);font-size:.82rem;line-height:1.35;margin-top:4px}.cta-center{text-align:center}
.logo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.logo-card{display:grid;place-items:center;padding:20px;min-height:112px;background:linear-gradient(180deg,#fff,#f6f9ff)}.logo-card img{max-height:56px;object-fit:contain;filter:saturate(1.02)}
.contact-block{display:grid;grid-template-columns:.95fr 1.05fr;gap:26px;align-items:start}.contact-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.contact-card{padding:24px;display:flex;gap:16px;align-items:flex-start;background:#fff}.icon-badge{width:52px;height:52px;border-radius:16px;background:#edf3ff;color:#104dbf;display:grid;place-items:center;font-size:1.35rem;flex:none}.contact-card strong{display:block;font-size:1.4rem;color:#1f2b46;margin-bottom:8px}.contact-card span{display:block;color:var(--muted);line-height:1.55}.contact-card-quote{background:linear-gradient(135deg,#f6f9ff,#eef4ff)}.contact-card-btn{margin-top:16px;display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:14px;background:linear-gradient(135deg,#1f69eb,#0d4fcb);color:#fff;font-weight:800;min-width:170px}
.producer-section{padding-top:28px}.producer-box{background:linear-gradient(135deg,#0f3d97,#14316c);color:#fff;border-radius:30px;padding:36px;display:grid;grid-template-columns:1fr .95fr;gap:28px;box-shadow:0 28px 56px rgba(14,40,92,.22)}.section-tag-light{background:rgba(255,255,255,.14);color:#fff}.producer-points{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:10px}.producer-points li{position:relative;padding-left:28px;color:rgba(255,255,255,.82)}.producer-points li::before{content:'•';position:absolute;left:10px;top:-1px;font-size:1.35rem;color:#9fd0ff}.producer-form{padding:24px;background:rgba(255,255,255,.98)}.card-on-dark{color:var(--text)}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.form-grid-single-start{grid-template-columns:minmax(220px,360px)}label{display:block;font-weight:800;color:#24314b;font-size:.95rem}input,select,textarea{width:100%;margin-top:8px;border:1px solid #d7e0ef;border-radius:16px;background:#fff;padding:14px 15px;color:#1b2740;outline:none}textarea{resize:vertical}input:focus,select:focus,textarea:focus{border-color:#a7c4ff;box-shadow:0 0 0 4px rgba(13,79,203,.08)}.form-note{margin-top:14px;font-size:.92rem;color:#d9e5ff}
.site-footer{padding:28px 0 44px;background:#fff;border-top:1px solid rgba(217,225,239,.85)}.footer-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px}.footer-final p{margin:5px 0;color:var(--muted);line-height:1.6}.footer-ssn img{width:360px;max-width:100%;height:auto}
.sticky-cta-bar{position:fixed;left:16px;right:16px;bottom:14px;z-index:48;display:none;gap:10px;background:rgba(255,255,255,.94);border:1px solid rgba(217,225,239,.95);box-shadow:0 18px 40px rgba(18,42,92,.14);padding:10px;border-radius:18px;backdrop-filter:blur(10px)}.sticky-cta-bar a{flex:1;text-align:center;padding:12px 14px;border-radius:14px;background:linear-gradient(135deg,#1f69eb,#0d4fcb);color:#fff;font-weight:800}.sticky-cta-bar a:last-child{background:#eef4ff;color:#1547a4}.toast{position:fixed;left:50%;bottom:26px;transform:translateX(-50%) translateY(20px);background:#182136;color:#fff;padding:14px 18px;border-radius:14px;box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:.2s;z-index:90}.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.contact-page{display:grid;grid-template-columns:.92fr 1.08fr;gap:28px;align-items:start}.contact-hero-card{padding:34px}
.single-column{max-width:960px}.quote-page-simple{display:grid;gap:24px}.quote-form-block{padding:34px}.quote-progress-box{padding:22px;margin:26px 0;background:linear-gradient(180deg,#f9fbff,#f0f5ff)}.quote-progress-head{display:flex;align-items:center;justify-content:space-between;gap:10px;font-weight:800;color:#233455}.quote-progress-bar{height:10px;background:#dde7fa;border-radius:999px;overflow:hidden;margin:16px 0 18px}#quoteProgressFill{height:100%;background:linear-gradient(135deg,#1f69eb,#0d4fcb);width:25%;border-radius:999px;transition:width .24s ease}.quote-step-stack{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.quote-stack-item{display:flex;align-items:center;gap:12px;padding:12px;border-radius:18px;background:#fff;border:1px solid #dde4f3;color:#7a879f}.quote-stack-item span{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:#edf3ff;color:#1b4baa;font-weight:800}.quote-stack-item strong{display:block;color:#32415d}.quote-stack-item small{display:block;color:#78869e}.quote-stack-item.active{border-color:#b8ccf6;box-shadow:0 14px 26px rgba(13,79,203,.12)}.wizard-step{display:none}.wizard-step.active{display:block}.step-card-head h2{font-size:1.65rem;line-height:1.2;margin:0 0 8px;color:#17366d}.step-card-head p{margin:0 0 20px}.ramo-quick-select{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:16px}.ramo-chip{border:1px solid #d8e1f0;background:#fff;color:#22417e;border-radius:999px;padding:10px 15px;font-weight:800;cursor:pointer}.ramo-chip.active{background:#1659d3;color:#fff;border-color:#1659d3}.dynamic-fields{display:grid;gap:16px;margin-top:16px}.dynamic-card{padding:22px}.sub-title{font-size:1.08rem;font-weight:800;color:#17366d;margin-bottom:14px}.suggestion-box{padding:20px;margin-top:16px;background:linear-gradient(180deg,#f8fbff,#f1f6ff)}.review-box{padding:22px;background:#f9fbff}.review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.review-item{padding:16px;border:1px solid #e1e7f4;border-radius:18px;background:#fff}.review-item span{display:block;color:#78869e;font-size:.88rem;margin-bottom:6px}.review-item strong{display:block;color:#223354}.review-note{margin-top:14px;font-size:.95rem}.split-actions{justify-content:space-between}.field-error input,.field-error select,.field-error textarea,.invalid-field{border-color:#dc5f7b !important;box-shadow:0 0 0 4px rgba(220,95,123,.08)}.field-error-text{display:block;margin-top:8px;color:#c33f60;font-size:.82rem;font-weight:700}.hidden-field{display:none !important}.success-modal{position:fixed;inset:0;background:rgba(9,18,39,.5);display:none;align-items:center;justify-content:center;padding:20px;z-index:95}.success-modal.show{display:flex}.success-card{max-width:560px;padding:34px;text-align:center}.success-check{width:72px;height:72px;border-radius:50%;display:grid;place-items:center;background:#e8f8ef;color:#14a253;font-size:2rem;font-weight:900;margin:0 auto 16px}.chat-summary-badge{display:inline-flex;padding:9px 14px;border-radius:999px;background:#edf3ff;color:#1653c1;font-size:.86rem;font-weight:800;margin-bottom:14px}.success-card h3{margin:0 0 10px;font-size:2rem;color:#17366d}
.caro-widget{position:fixed;right:18px;bottom:18px;z-index:88;display:flex;flex-direction:column;align-items:flex-end;gap:12px}.caro-launcher{border:none;background:linear-gradient(135deg,#1f59d1,#0f3f9e);color:#fff;border-radius:999px;padding:12px 18px 12px 12px;display:flex;align-items:center;gap:12px;box-shadow:0 18px 40px rgba(17,62,171,.28);cursor:pointer;font:inherit;animation:caroPulse 2.8s ease-in-out infinite}.caro-launcher .caro-mini-avatar,.caro-avatar{background-image:url('../images/caro-avatar.png');background-size:cover;background-position:center;color:transparent;font-size:0}.caro-launcher .caro-mini-avatar{width:42px;height:42px;border-radius:50%;border:2px solid rgba(255,255,255,.8);box-shadow:0 10px 22px rgba(0,0,0,.18)}.caro-launcher .caro-launcher-text{display:flex;flex-direction:column;align-items:flex-start;line-height:1.05}.caro-launcher .caro-launcher-text strong{font-size:.98rem}.caro-launcher .caro-launcher-text span{font-size:.78rem;opacity:.88}.caro-panel{width:min(390px,calc(100vw - 24px));background:#fff;border:1px solid #dbe5f3;border-radius:28px;overflow:hidden;box-shadow:0 26px 60px rgba(10,34,86,.18);display:none;transform:translateY(8px);opacity:0}.caro-panel.open{display:block;transform:translateY(0);opacity:1;animation:caroPop .22s ease}.caro-header{background:linear-gradient(135deg,#1456c9,#0b3f97);color:#fff;padding:18px;display:flex;align-items:center;justify-content:space-between;gap:16px}.caro-header-main{display:flex;align-items:center;gap:12px}.caro-avatar{width:56px;height:56px;border-radius:50%;border:3px solid rgba(255,255,255,.9);box-shadow:0 8px 22px rgba(17,62,171,.25)}.caro-header h3{margin:0;font-size:1.6rem}.caro-header p{margin:4px 0 0;color:rgba(255,255,255,.82);font-size:.9rem}.caro-close{border:none;background:none;color:#fff;font-size:2rem;line-height:1;cursor:pointer}.caro-status{display:flex;align-items:center;gap:10px;padding:14px 18px;border-bottom:1px solid #e3e8f2;color:#36415b;font-weight:700;background:#fbfcff}.caro-dot{width:11px;height:11px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 6px rgba(25,195,107,.14)}.caro-messages{max-height:320px;overflow:auto;padding:16px;display:grid;gap:12px;background:#fbfcff}.caro-msg{padding:14px 16px;border-radius:18px;line-height:1.5;max-width:88%}.caro-msg.bot{background:#eef3fb;color:#34415c}.caro-msg.user{background:#2d76ea;color:#fff;justify-self:end}.caro-quick{padding:0 16px 16px;display:grid;grid-template-columns:repeat(2,1fr);gap:10px;background:#fbfcff}.caro-quick button,.caro-quick a{display:flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:12px;border-radius:14px;border:1px solid #d9e2f0;background:#fff;color:#2551a5;font-weight:700}.caro-footer-note{padding:12px 16px;color:#7a879f;font-size:.82rem;border-top:1px solid #e3e8f2;background:#fff}@keyframes caroPop{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}@keyframes caroPulse{0%,100%{transform:translateY(0)}50%{transform:translateY(-2px)}}
@media (max-width:1180px){.hero-grid-premium{grid-template-columns:1fr}.hero-side-chat{display:none}.hero-visual{min-height:420px}.section-grid,.service-grid,.contact-block,.contact-page,.producer-box{grid-template-columns:1fr}.feature-band .container{grid-template-columns:1fr}}
@media (max-width:920px){.nav-links{display:none;position:absolute;top:100%;left:18px;right:18px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:18px;flex-direction:column;align-items:flex-start;gap:16px}.nav-links.open{display:flex}.menu-btn{display:block}.desktop-cta{display:none}.hero-copy{padding:40px 24px}.hero-copy h1{max-width:none}.hero-quick-circles,.logo-grid,.contact-cards,.quote-step-stack,.service-icons-grid,.form-grid,.review-grid{grid-template-columns:1fr 1fr}.brand img{width:220px;max-width:60vw}}
@media (max-width:640px){.container{width:min(var(--container),calc(100% - 22px))}.section{padding:62px 0}.hero-home{padding-top:18px}.hero-quick-circles,.logo-grid,.contact-cards,.quote-step-stack,.service-icons-grid,.form-grid,.review-grid{grid-template-columns:1fr}.quick-circle .icon{width:58px;height:58px}.quote-form-block,.producer-box,.producer-form,.contact-hero-card{padding:22px}.footer-wrap{flex-direction:column;align-items:flex-start}.sticky-cta-bar{display:flex}.caro-widget{right:12px;bottom:74px}.caro-panel{width:min(100vw - 16px,390px)}.caro-launcher .caro-launcher-text span{display:none}}

/* v11 home redesign */
.brand-image-only div{display:none}
.home-reference-page{background:#eef4fa}
.home-ref-header{border-bottom:1px solid rgba(214,223,237,.8)}
.home-ref-nav{min-height:90px}
.home-ref-nav .nav-links{margin-left:auto;margin-right:auto}
.home-ref-nav .nav-links a{font-size:1rem;text-transform:uppercase;letter-spacing:.02em}
.home-ref-nav .nav-links a.active{border-bottom-color:#53a0ff}
.home-ref-hero{position:relative;overflow:hidden;background:#eaf1f9;border-bottom:1px solid rgba(214,223,237,.9)}
.home-ref-hero-media{position:absolute;inset:0 0 0 28%;}
.home-ref-hero-media::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#eaf1f9 0%,rgba(234,241,249,.94) 24%,rgba(234,241,249,.3) 48%,rgba(234,241,249,.05) 100%)}
.home-ref-hero-media img{width:100%;height:100%;object-fit:cover;object-position:center}
.home-ref-hero-inner{position:relative;z-index:1;display:flex;align-items:center;min-height:620px;padding:34px 0}
.home-ref-copy{max-width:460px;padding:20px 0 28px}
.home-ref-copy h1{font-size:4.25rem;line-height:.98;letter-spacing:-.04em;color:#163b77;margin:0 0 24px;font-weight:800}
.home-ref-copy p{font-size:1.42rem;line-height:1.35;color:#304464;margin:0 0 18px}
.hero-checks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:18px;max-width:420px}
.hero-checks li{position:relative;padding-left:44px;font-size:1.28rem;line-height:1.25;color:#365078;font-weight:600}
.hero-checks li::before{content:'✓';position:absolute;left:0;top:1px;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#4e96ff;color:#fff;font-weight:800;font-size:1rem;box-shadow:0 10px 18px rgba(78,150,255,.28)}
.home-ref-contact-strip{padding:18px 0 14px;background:#edf3f9}
.home-ref-contact-grid{display:grid;grid-template-columns:1fr 1fr 1.35fr 1.2fr;gap:16px;align-items:stretch}
.home-ref-card{background:#fff;border:1px solid #dce5f2;border-radius:22px;padding:26px 24px;display:flex;gap:16px;align-items:flex-start;box-shadow:0 10px 24px rgba(27,53,99,.06);color:#263656;min-height:202px}
.home-ref-card h3{margin:0 0 10px;font-size:1.15rem;color:#173a73}
.home-ref-card p{margin:0 0 10px;font-size:1.08rem;color:#3c5275;line-height:1.35}
.home-ref-card span{display:block;color:#627492;line-height:1.45}
.home-ref-card-icon{flex:0 0 56px;width:56px;height:56px;border-radius:18px;display:grid;place-items:center;font-size:1.55rem;background:#edf4ff}
.home-ref-card-icon.whatsapp{background:#ecfff1}.home-ref-card-icon.email{background:#eef3ff}.home-ref-card-icon.location{background:#eef4ff}.home-ref-card-icon.quote{background:#f2edff}
.home-ref-card.card-quote{border-color:#d7ddfb}
.home-ref-btn{margin-top:18px;display:inline-flex;align-items:center;justify-content:center;background:#4488ff;color:#fff !important;border-radius:14px;padding:14px 20px;font-weight:800;min-width:100%;letter-spacing:.02em}
.section-compact{padding:18px 0 44px}
.centered-tight{text-align:center;margin-bottom:20px}
.centered-tight h2{font-size:2.2rem;color:#183b75;margin-bottom:10px;text-transform:uppercase;letter-spacing:-.02em}
.centered-tight p{font-size:1.15rem;color:#5f708c}
.home-ref-insurance-grid{display:grid;grid-template-columns:1.5fr .95fr;gap:18px;align-items:stretch}
.home-ref-image-card,.home-ref-services-card{background:#fff;border:1px solid #dbe5f2;border-radius:22px;padding:14px;box-shadow:0 10px 24px rgba(27,53,99,.06)}
.home-ref-image-card img{width:100%;height:100%;min-height:320px;border-radius:16px;object-fit:cover}
.home-ref-services-card{display:flex;flex-direction:column;justify-content:center;padding:22px 20px}
.home-ref-services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px 8px;margin-bottom:24px}
.home-service-item{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;text-align:center;color:#20437d;padding:8px;border-radius:16px}
.home-service-item span{font-size:1.9rem;line-height:1}
.home-service-item strong{font-size:1rem;letter-spacing:.02em}
.btn-outline-primary{border:2px solid #4f90ff;color:#3d75df;background:#fff}
.btn-outline-primary:hover{background:#eef5ff}
.refined-shadow{box-shadow:0 22px 45px rgba(18,43,88,.1)}
.ref-balance-grid{grid-template-columns:1.02fr .98fr;align-items:center}
.two-col-checks{columns:2;column-gap:28px}
.two-col-checks li{break-inside:avoid;margin-bottom:10px}
.company-section-ref .logo-card{background:#fff}
.top-ranked-grid{grid-template-columns:repeat(4,1fr)}
.home-ref-footer{background:#0d4f9d;color:#fff;padding:18px 0;border-top:none}
.home-ref-footer .footer-final p{color:rgba(255,255,255,.92)}
.home-ref-footer .footer-wrap{align-items:center}
.home-ref-footer .footer-ssn img{width:280px;filter:brightness(0) invert(1) saturate(0) contrast(100%)}
.caro-widget{bottom:22px;right:22px}
.caro-launcher{padding:10px 12px;border-radius:999px}
.caro-launcher .caro-launcher-text{display:none}

@media (max-width:1200px){
  .home-ref-contact-grid{grid-template-columns:repeat(2,1fr)}
  .home-ref-insurance-grid{grid-template-columns:1fr}
  .home-ref-services-grid{grid-template-columns:repeat(4,1fr)}
}
@media (max-width:920px){
  .home-ref-nav .nav-links{margin:0}
  .home-ref-hero-media{position:relative;inset:auto;min-height:300px}
  .home-ref-hero-media::after{background:linear-gradient(180deg,#eaf1f9 0%,rgba(234,241,249,.35) 25%,rgba(234,241,249,0) 60%)}
  .home-ref-hero-inner{margin-top:-260px;min-height:auto;padding-bottom:20px}
  .home-ref-copy{background:rgba(234,241,249,.88);backdrop-filter:blur(6px);padding:20px;border-radius:24px;max-width:520px}
  .home-ref-copy h1{font-size:3rem}
  .home-ref-copy p{font-size:1.1rem}
  .hero-checks li{font-size:1rem}
}
@media (max-width:640px){
  .home-ref-nav{min-height:76px}
  .home-ref-copy h1{font-size:2.45rem}
  .home-ref-contact-grid,.top-ranked-grid{grid-template-columns:1fr}
  .home-ref-card{min-height:auto}
  .home-ref-services-grid{grid-template-columns:repeat(2,1fr)}
  .two-col-checks{columns:1}
  .home-ref-footer .footer-ssn img{width:220px}
}


/* v12 refinements */
.brand img{width:340px;max-width:min(42vw,340px);height:auto;object-fit:contain;image-rendering:auto}
.home-ref-nav{min-height:108px}
.home-ref-nav .brand{display:flex;align-items:center;flex:0 0 auto}
.home-ref-nav .brand img{width:360px;max-width:min(25vw,360px);min-width:220px}
.home-ref-copy p,.section p,.producer-box p,.home-ref-card p,.home-ref-card span{ text-align:justify; text-justify:inter-word; hyphens:auto }
.home-ref-card h3,.section h2,.centered-tight h2{ text-wrap:balance }
.section-grid.reverse-mobile p,.section-grid.reverse-mobile .check-list li{ text-align:justify }
.home-ref-card{min-height:220px}
.home-ref-card p strong{color:#173a73}
.home-ref-card-icon{font-size:1.65rem}
.app-section{padding-top:8px}
.app-promo-box{display:grid;grid-template-columns:1.06fr .94fr;gap:28px;align-items:center}
.app-promo-copy{background:#fff;border:1px solid rgba(217,225,239,.95);border-radius:28px;box-shadow:var(--shadow);padding:34px 34px 30px}
.app-promo-copy h2{margin-top:12px}
.app-checks{margin-bottom:26px}
.app-store-actions{display:flex;gap:14px;flex-wrap:wrap}
.store-btn{display:inline-flex;align-items:center;gap:14px;padding:14px 18px;border-radius:18px;background:linear-gradient(135deg,#12316f,#0d4fcb);color:#fff;min-width:220px;box-shadow:0 16px 30px rgba(13,79,203,.18)}
.store-btn:hover{transform:translateY(-1px)}
.store-badge-icon{width:42px;height:42px;border-radius:14px;background:rgba(255,255,255,.16);display:grid;place-items:center;font-size:1.35rem;flex:none}
.store-btn small{display:block;font-size:.8rem;opacity:.82;line-height:1.1}
.store-btn strong{display:block;font-size:1.02rem;margin-top:3px}
.app-promo-image img{min-height:320px;max-height:430px;object-position:center}
.caro-launcher .caro-mini-avatar,.caro-avatar{background-image:url('../images/caro-avatar-real.png');background-position:center 18%}
@media (max-width:1200px){.app-promo-box{grid-template-columns:1fr}}
@media (max-width:920px){.home-ref-nav{min-height:88px}.home-ref-nav .brand img{width:260px;max-width:56vw;min-width:0}.brand img{width:260px;max-width:56vw}.app-store-actions{flex-direction:column}.store-btn{width:100%}}
@media (max-width:640px){.home-ref-nav{min-height:76px}.home-ref-nav .brand img{width:220px;max-width:58vw}.app-promo-copy{padding:24px}.home-ref-copy p,.section p,.producer-box p,.home-ref-card p,.home-ref-card span{ text-align:left; hyphens:none }}


/* v13: logo, app, footer */
.brand img,
.home-ref-nav .brand img{
  width: 400px;
  max-width: min(32vw, 400px);
  min-width: 250px;
  height: auto;
  object-fit: contain;
  image-rendering: auto;
}
.site-header .brand{
  padding: 2px 0;
}
.home-ref-nav{
  min-height: 104px;
}
.footer-image-wrap{
  padding: 0;
  background: #0d4f9d;
  line-height: 0;
  border-top: none;
}
.footer-image-wrap img{
  width: 100%;
  height: auto;
  display: block;
}
.app-promo-box{
  grid-template-columns: .95fr 1.05fr;
}
.app-promo-copy{
  padding: 38px 36px 34px;
}
.app-promo-copy p,
.app-promo-copy .check-list li{
  text-align: left;
}
.app-promo-image{
  padding: 16px;
  background: radial-gradient(circle at center, rgba(221,235,255,.95) 0%, #f7fbff 65%, #ffffff 100%);
}
.app-promo-image img{
  width: 100%;
  height: auto;
  min-height: unset;
  max-height: 560px;
  object-fit: contain;
}
.store-badge-icon{
  width: 52px;
  height: 52px;
  border-radius: 16px;
  background: rgba(255,255,255,.14);
  display: grid;
  place-items: center;
  font-size: .9rem;
  font-weight: 800;
  letter-spacing: .04em;
  padding: 0 8px;
  text-transform: uppercase;
}
.caro-launcher .caro-mini-avatar,
.caro-avatar{
  background-image: url('../images/caro-avatar-real.png');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: transparent;
}
@media (max-width: 920px){
  .brand img,
  .home-ref-nav .brand img{
    width: 280px;
    max-width: 60vw;
    min-width: 0;
  }
  .app-promo-box{
    grid-template-columns: 1fr;
  }
}
@media (max-width: 640px){
  .brand img,
  .home-ref-nav .brand img{
    width: 230px;
    max-width: 66vw;
  }
  .footer-image-wrap img{
    min-height: 40px;
    object-fit: cover;
  }
}


/* v14 header tuning */
.site-header{
  border-bottom:1px solid rgba(217,225,239,.75);
}
.nav-wrap{
  padding:10px 0 !important;
  min-height:78px;
  gap:18px;
}
.site-header .brand,
.home-ref-nav .brand{
  flex:0 0 auto;
  padding:0;
}
.brand img,
.home-ref-nav .brand img{
  width:220px !important;
  max-width:min(28vw,220px) !important;
  min-width:0 !important;
  height:auto !important;
  max-height:58px;
  object-fit:contain;
}
.home-ref-nav{
  min-height:78px !important;
}
.nav-links{
  gap:24px;
}
.nav-links a{
  font-size:1.02rem;
}
.nav-links a.active::after,
.nav-links a:hover::after{
  bottom:-10px;
}
.desktop-cta{
  min-width:150px;
  padding:12px 18px;
}
@media (max-width:920px){
  .nav-wrap{padding:9px 0 !important; min-height:72px;}
  .brand img,
  .home-ref-nav .brand img{
    width:190px !important;
    max-width:56vw !important;
    max-height:50px;
  }
  .home-ref-nav{min-height:72px !important;}
}
@media (max-width:640px){
  .nav-wrap{min-height:68px;}
  .brand img,
  .home-ref-nav .brand img{
    width:170px !important;
    max-width:58vw !important;
    max-height:44px;
  }
  .home-ref-nav{min-height:68px !important;}
}


/* v15 home hero image only */
.home-ref-header .brand{display:none !important;}
.home-ref-header .nav-wrap{justify-content:center;}
.home-ref-header .menu-btn{position:absolute;right:0;top:50%;transform:translateY(-50%);}
.home-ref-hero{min-height:0;background:#edf3f9;}
.home-ref-hero-media{position:relative;min-height:740px;}
.home-ref-hero-media::after{display:none;}
.home-ref-hero-media img{object-fit:cover;object-position:center top;}
.home-ref-hero-inner.home-ref-hero-empty{min-height:0;padding:0;}
.home-ref-copy{display:none !important;}
@media (max-width:920px){
  .home-ref-header .nav-wrap{justify-content:center;}
  .home-ref-header .menu-btn{right:12px;}
  .home-ref-hero-media{min-height:520px;}
}
@media (max-width:640px){
  .home-ref-hero-media{min-height:380px;}
}
/* ===== FIX HERO FULL IMAGE (GRUPO LUMA) ===== */

/* ocultar logo del header solo en home */
.home-ref-header .brand{
  display:none !important;
}

/* centrar menú */
.home-ref-header .nav-wrap{
  justify-content:center;
}

/* botón menú mobile */
.home-ref-header .menu-btn{
  position:absolute;
  right:0;
  top:50%;
  transform:translateY(-50%);
}

/* HERO BASE */
.home-ref-hero{
  min-height:0;
  background:#edf3f9;
}

/* CONTENEDOR DE IMAGEN */
.home-ref-hero-media{
  position:relative !important;

  /* 🔥 ESTO ES LA CLAVE (elimina espacio izquierdo) */
  inset:auto !important;
  left:auto !important;
  right:auto !important;
  top:auto !important;
  bottom:auto !important;

  width:100%;
  min-height:740px;
}

/* eliminar overlay viejo */
.home-ref-hero-media::after{
  display:none;
}

/* IMAGEN FULL */
.home-ref-hero-media img{
  width:100%;
  height:100%;
  display:block;
  object-fit:cover;
  object-position:center top;
}

/* eliminar bloque vacío */
.home-ref-hero-inner.home-ref-hero-empty{
  min-height:0;
  padding:0;
  display:none;
}

/* eliminar texto viejo */
.home-ref-copy{
  display:none !important;
}

/* RESPONSIVE */
@media (max-width:920px){
  .home-ref-header .nav-wrap{
    justify-content:center;
  }

  .home-ref-header .menu-btn{
    right:12px;
  }

  .home-ref-hero-media{
    min-height:520px;
  }
}

@media (max-width:640px){
  .home-ref-hero-media{
    min-height:380px;
  }
}

/* ===== Ajustes abril 2026: header home + tarjetas contacto + CTA directa ===== */
.home-ref-header .nav-wrap{justify-content:space-between !important;position:relative;}
.home-ref-header .brand{display:flex !important;align-items:center;flex:0 0 auto;}
.home-ref-header .brand img{width:400px !important;max-width:min(34vw,800px) !important;max-height:62px;display:block;}
.home-ref-header .nav-links{margin-left:auto;}
.home-ref-header .menu-btn{position:static;transform:none;}

.home-ref-contact-strip{padding:18px 0 20px;background:#edf2f7;}
.home-ref-contact-grid{grid-template-columns:1fr 1fr 1.45fr 1.25fr;gap:14px;align-items:stretch;}
.home-ref-card{min-height:176px;background:#fff;border:1px solid #e2e8f2;border-radius:12px;padding:18px 18px 16px;gap:14px;box-shadow:0 8px 18px rgba(28,45,80,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;}
.home-ref-card:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(28,45,80,.1);border-color:#d3dcea;}
.home-ref-card h3{margin:0 0 8px;font-size:1rem;line-height:1.2;color:#1d3766;font-weight:800;}
.home-ref-card p{margin:0 0 8px;font-size:.99rem;line-height:1.3;color:#304766;}
.home-ref-card span{font-size:.92rem;line-height:1.35;color:#5d6f8d;}
.home-ref-card-icon{width:38px;height:38px;flex:0 0 38px;border-radius:10px;display:grid;place-items:center;font-size:0;box-shadow:inset 0 0 0 1px rgba(255,255,255,.45);}
.home-ref-card-icon svg,.branch-pin svg{width:22px;height:22px;display:block;}
.home-ref-card-icon.whatsapp{background:#e7f7ec;color:#35b86b;}
.home-ref-card-icon.email{background:#ebf2ff;color:#4584e6;}
.home-ref-card-icon.location{background:#eef5ff;color:#1d67b8;}
.home-ref-card-icon.quote{background:#f0ebff;color:#6a51eb;}
.home-ref-card--contact{align-items:flex-start;}
.home-ref-card--branches{padding-right:16px;}
.branch-list{display:grid;gap:10px;margin-top:2px;}
.branch-item{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;}
.branch-item strong{display:block;font-size:.95rem;line-height:1.2;color:#24416f;margin-bottom:2px;}
.branch-item span{display:block;font-size:.9rem;line-height:1.25;color:#556987;}
.branch-pin{width:22px;height:22px;color:#3180d7;display:grid;place-items:center;margin-top:1px;}
.card-quote{background:#fbfcff;}
.card-quote p{margin-bottom:14px;}
.home-ref-btn{display:flex;align-items:center;justify-content:center;width:100%;min-height:46px;padding:0 14px;border-radius:8px;background:linear-gradient(90deg,#4b8df8 0%,#3374df 100%);color:#fff !important;font-weight:800;font-size:.93rem;letter-spacing:.02em;text-align:center;box-shadow:0 10px 20px rgba(53,108,213,.22);}

.caro-direct-link{position:fixed;right:20px;bottom:20px;z-index:88;display:flex;align-items:center;gap:10px;padding:10px 14px 10px 10px;border-radius:999px;background:linear-gradient(135deg,#1f59d1,#0f3f9e);color:#fff;box-shadow:0 18px 40px rgba(17,62,171,.28);}
.caro-direct-avatar{width:44px;height:44px;border-radius:50%;background-image:url('../images/caro-avatar-real.png');background-size:cover;background-position:center 18%;border:2px solid rgba(255,255,255,.82);flex:0 0 44px;}
.caro-direct-text{display:flex;flex-direction:column;align-items:flex-start;line-height:1.05;}
.caro-direct-text strong{font-size:.98rem;color:#fff;}
.caro-direct-text span{font-size:.79rem;color:rgba(255,255,255,.88);}
.caro-direct-link:hover{transform:translateY(-1px);}

@media (max-width: 1080px){
  .home-ref-contact-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width: 920px){
  .home-ref-header .brand img{width:300px !important;max-width:60vw !important;max-height:54px;display:block;}
  .home-ref-header .nav-links{margin-left:0;}
}
@media (max-width: 640px){
  .home-ref-header .nav-wrap{justify-content:space-between !important;}
  .home-ref-header .brand img{width:250px !important;max-width:66vw !important;max-height:48px;display:block;}
  .home-ref-contact-grid{grid-template-columns:1fr;}
  .home-ref-card{min-height:auto;}
  .caro-direct-link{right:12px;bottom:74px;padding:10px 12px 10px 10px;}
  .caro-direct-text span{display:none;}
}
/* =========================
   HEADER FIX LOGO GRANDE
========================= */

.nav-wrap{
  padding:6px 0 !important;
  min-height:78px;
  gap:18px;
  overflow:visible !important;
}

.home-ref-header .nav-wrap{
  justify-content:space-between !important;
  position:relative;
  overflow:visible !important;
}

.home-ref-header .brand{
  display:flex !important;
  align-items:center;
  flex:0 0 auto;
  position:relative;
  z-index:5;
}

.home-ref-header .brand img{
  width:720px !important;              /* LOGO GRANDE */
  max-width:min(52vw,720px) !important;
  height:auto !important;
  max-height:none !important;          /* elimina límite */
  display:block;
  position:relative;
  top:6px;                              /* ajuste fino vertical */
}

.home-ref-header .nav-links{
  margin-left:auto;
}

.home-ref-header .menu-btn{
  position:static;
  transform:none;
}


/* =========================
   TABLET
========================= */

@media (max-width: 920px){
  .home-ref-header .brand img{
    width:460px !important;
    max-width:62vw !important;
    height:auto !important;
    max-height:none !important;
    top:4px;
    display:block;
  }

  .home-ref-header .nav-links{
    margin-left:0;
  }
}


/* =========================
   MOBILE
========================= */

@media (max-width: 640px){
  .home-ref-header .nav-wrap{
    justify-content:space-between !important;
  }

  .home-ref-header .brand img{
    width:320px !important;
    max-width:72vw !important;
    height:auto !important;
    max-height:none !important;
    top:2px;
    display:block;
  }
}
/* =========================
   FIX HERO MÁS CHICO (GRUPO LUMA)
========================= */

/* CONTENEDOR DEL HERO */
.home-ref-hero-media{
  position:relative !important;

  inset:auto !important;
  left:auto !important;
  right:auto !important;
  top:auto !important;
  bottom:auto !important;

  width:100%;

  min-height:900px !important;   /* 🔥 achica el hero */
  max-height:900px !important;

  overflow:hidden;
}
/* =========================
   CARO VISIBLE EN INDEX
========================= */

.caro-direct-link{
  position:fixed !important;
  right:20px !important;
  bottom:20px !important;
  z-index:9999 !important;
  display:flex !important;
  align-items:center;
  gap:10px;
  padding:10px 14px 10px 10px;
  border-radius:999px;
  background:linear-gradient(135deg,#1f59d1,#0f3f9e);
  color:#fff !important;
  text-decoration:none !important;
  box-shadow:0 18px 40px rgba(17,62,171,.28);
}

.caro-direct-avatar{
  width:44px;
  height:44px;
  border-radius:50%;
  background-image:url('../images/caro-avatar-real.png');
  background-size:cover;
  background-position:center 18%;
  background-repeat:no-repeat;
  border:2px solid rgba(255,255,255,.82);
  flex:0 0 44px;
  display:block;
}

.caro-direct-text{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  line-height:1.05;
}

.caro-direct-text strong{
  font-size:.98rem;
  color:#fff;
}

.caro-direct-text span{
  font-size:.79rem;
  color:rgba(255,255,255,.88);
}

.caro-direct-link:hover{
  transform:translateY(-1px);
}

@media (max-width:640px){
  .caro-direct-link{
    right:12px !important;
    bottom:74px !important;
    padding:10px 12px 10px 10px;
  }

  .caro-direct-text span{
    display:none;
  }
}
/* =========================
   CARO MÁS VISIBLE
========================= */

.caro-direct-link{
  position:fixed !important;
  right:20px !important;
  bottom:20px !important;
  z-index:9999 !important;
  display:flex !important;
  align-items:center;
  gap:10px;
  padding:12px 16px;
  border-radius:999px;
  background:linear-gradient(135deg,#1f59d1,#0f3f9e);
  color:#fff !important;
  box-shadow:0 20px 45px rgba(17,62,171,.35);
  font-weight:700;
}

.caro-direct-avatar{
  width:50px;
  height:50px;
  border-radius:50%;
  background-image:url('../images/caro-avatar-real.png');
  background-size:cover;
  background-position:center;
  border:2px solid #fff;
}

.caro-direct-text strong{
  font-size:1rem;
}

.caro-direct-text span{
  font-size:.82rem;
  opacity:.9;
}

/* efecto que la hace notar */
.caro-direct-link{
  animation:caroPulse 2.5s infinite;
}

@keyframes caroPulse{
  0%,100%{transform:scale(1);}
  50%{transform:scale(1.05);}
}

/* v15: chat completo, logo cotizar y badges stores */
.brand--solo-logo{display:flex;align-items:center;min-width:0}
.brand--solo-logo div{display:none !important}
body[data-page="quote"] .brand img,
body[data-page="contact"] .brand img{
  width: 470px;
  max-width: min(38vw, 470px);
  min-width: 280px;
}
body[data-page="quote"] .nav-wrap,
body[data-page="contact"] .nav-wrap{
  min-height: 84px;
}
.caro-panel{
  display:none;
  flex-direction:column;
}
.caro-panel.open{display:flex}
.caro-messages{padding-bottom:10px}
.caro-quick{padding:0 16px 12px}
.caro-input-row{
  display:flex;
  gap:10px;
  padding:0 16px 16px;
  background:#fbfcff;
}
.caro-input{
  flex:1;
  min-width:0;
  border:1px solid #d5dfef;
  border-radius:14px;
  padding:13px 14px;
  font:inherit;
  color:#21314d;
  background:#fff;
}
.caro-input:focus{
  outline:none;
  border-color:#2d76ea;
  box-shadow:0 0 0 3px rgba(45,118,234,.14);
}
.caro-send{
  border:none;
  border-radius:14px;
  padding:0 16px;
  background:linear-gradient(135deg,#1f59d1,#0f3f9e);
  color:#fff;
  font:inherit;
  font-weight:800;
  cursor:pointer;
  white-space:nowrap;
}
.caro-msg a{
  color:inherit;
  text-decoration:underline;
}
.store-btn{
  position:relative;
  overflow:hidden;
}
.store-btn svg{width:24px;height:24px;display:block}
.store-btn--google .store-badge-icon{
  background:#fff;
}
.store-btn--apple .store-badge-icon{
  background:rgba(255,255,255,.18);
  color:#fff;
}
.store-btn--google strong,
.store-btn--google small{color:#fff}
@media (max-width:920px){
  body[data-page="quote"] .brand img,
  body[data-page="contact"] .brand img{
    width:320px;
    max-width:66vw;
    min-width:0;
  }
}
@media (max-width:640px){
  .caro-input-row{padding:0 12px 12px}
  .caro-send{padding:0 14px}
  body[data-page="quote"] .brand img,
  body[data-page="contact"] .brand img{
    width:250px;
    max-width:72vw;
  }
}



/* v16 responsive optimization for mobile + tablet */
html,body{
  overflow-x:hidden;
}
img{
  max-width:100%;
}
.home-reference-page,
.site-header,
.section,
.home-ref-contact-strip,
.home-ref-insurance,
.contact-page,
.quote-page-simple{
  overflow-x:clip;
}
.home-ref-card,
.contact-card,
.quote-form-block,
.contact-hero-card,
.app-promo-copy,
.home-ref-image-card,
.home-ref-services-card{
  box-sizing:border-box;
}
.home-ref-card p,
.home-ref-card span,
.section p,
.producer-box p,
.contact-card span,
.contact-hero-card p{
  overflow-wrap:anywhere;
}

@media (max-width:1100px){
  .nav-wrap{
    min-height:74px;
    padding:10px 0 !important;
    gap:14px;
  }
  .brand img,
  .home-ref-nav .brand img{
    width:260px;
    max-width:46vw;
    min-width:0;
  }
  .home-ref-contact-grid{
    grid-template-columns:repeat(2,minmax(0,1fr));
  }
  .top-ranked-grid,
  .logo-grid{
    grid-template-columns:repeat(2,minmax(0,1fr));
  }
  .home-ref-services-grid{
    grid-template-columns:repeat(4,minmax(0,1fr));
  }
  .quote-step-stack{
    grid-template-columns:repeat(2,minmax(0,1fr));
  }
  .app-promo-box,
  .ref-balance-grid,
  .home-ref-insurance-grid{
    grid-template-columns:1fr;
  }
}

@media (max-width:920px){
  .site-header{
    backdrop-filter:blur(10px);
  }
  .nav-wrap{
    position:relative;
  }
  .home-ref-header .menu-btn,
  .menu-btn{
    display:grid;
    place-items:center;
    width:44px;
    height:44px;
    border-radius:12px;
    background:#f2f6fd;
    border:1px solid #d9e4f3;
    font-size:1.55rem;
    line-height:1;
    flex:0 0 44px;
  }
  .nav-links,
  .home-ref-header .nav-links{
    left:0;
    right:0;
    top:calc(100% + 10px);
    margin:0;
    padding:14px;
    border-radius:18px;
    gap:10px;
  }
  .nav-links a,
  .home-ref-header .nav-links a{
    width:100%;
    padding:12px 14px;
    border-radius:12px;
    background:#f8fbff;
  }
  .nav-links a.active::after,
  .nav-links a:hover::after,
  .home-ref-header .nav-links a.active::after,
  .home-ref-header .nav-links a:hover::after{
    display:none;
  }
  .home-ref-hero-media{
    min-height:260px;
  }
  .home-ref-hero-inner{
    margin-top:-110px;
    padding-bottom:8px;
    min-height:auto;
  }
  .home-ref-copy{
    margin:0 auto;
    max-width:100%;
    padding:18px;
    border-radius:20px;
  }
  .home-ref-copy h1{
    font-size:2.45rem;
    line-height:1;
  }
  .home-ref-copy p{
    font-size:1rem;
    text-align:left;
  }
  .hero-checks{
    gap:12px;
    margin-top:18px;
  }
  .hero-checks li{
    font-size:.98rem;
    padding-left:38px;
  }
  .hero-checks li::before{
    width:24px;
    height:24px;
  }
  .home-ref-contact-strip{
    padding:14px 0 8px;
  }
  .home-ref-card{
    min-height:auto;
    padding:20px 18px;
    border-radius:18px;
  }
  .branch-list{
    gap:12px;
  }
  .centered-tight h2,
  .section h2{
    font-size:1.8rem;
  }
  .section{
    padding:52px 0;
  }
  .quote-form-block,
  .contact-hero-card,
  .producer-box,
  .producer-form,
  .app-promo-copy{
    padding:24px 20px;
    border-radius:22px;
  }
  .quote-progress-box{
    padding:16px;
  }
  .quote-step-stack{
    grid-template-columns:1fr 1fr;
    gap:10px;
  }
  .quote-stack-item{
    min-width:0;
    padding:12px;
  }
  .quote-stack-item small{
    display:block;
    line-height:1.25;
  }
  .form-grid{
    grid-template-columns:1fr;
    gap:14px;
  }
  .step-actions,
  .split-actions,
  .success-actions{
    flex-direction:column;
  }
  .step-actions .btn,
  .split-actions .btn,
  .success-actions .btn{
    width:100%;
    justify-content:center;
  }
  .contact-cards{
    grid-template-columns:1fr 1fr;
    gap:14px;
  }
  .contact-card{
    min-height:auto;
  }
  .review-grid{
    grid-template-columns:1fr;
  }
  .app-store-actions{
    flex-direction:column;
  }
  .store-btn{
    width:100%;
    min-width:0;
  }
}

@media (max-width:640px){
  .container{
    width:min(var(--container),calc(100% - 18px));
  }
  .nav-wrap{
    min-height:68px;
    gap:10px;
  }
  .brand img,
  .home-ref-nav .brand img,
  body[data-page="quote"] .brand img,
  body[data-page="contact"] .brand img{
    width:190px;
    max-width:58vw;
    min-width:0;
  }
  .desktop-cta{
    display:none !important;
  }
  .home-ref-hero-media{
    min-height:220px;
  }
  .home-ref-hero-media img{
    object-position:center top;
  }
  .home-ref-hero-inner{
    margin-top:-84px;
  }
  .home-ref-copy{
    padding:16px;
  }
  .home-ref-copy h1{
    font-size:2rem;
  }
  .home-ref-contact-grid,
  .contact-cards,
  .top-ranked-grid,
  .logo-grid,
  .home-ref-services-grid,
  .quote-step-stack{
    grid-template-columns:1fr;
  }
  .home-ref-image-card,
  .home-ref-services-card{
    padding:12px;
  }
  .home-ref-image-card img{
    min-height:220px;
  }
  .home-service-item{
    flex-direction:row;
    justify-content:flex-start;
    text-align:left;
    gap:12px;
    padding:12px 10px;
    background:#f8fbff;
    border:1px solid #dce6f3;
  }
  .home-service-item span{
    font-size:1.55rem;
    width:30px;
    text-align:center;
  }
  .quote-form-block h1,
  .contact-hero-card h1{
    font-size:1.95rem;
    line-height:1.05;
  }
  .quote-progress-head{
    flex-direction:column;
    align-items:flex-start;
    gap:6px;
  }
  .quote-stack-item{
    padding:11px 12px;
  }
  .quote-stack-item div strong{
    font-size:.94rem;
  }
  .quote-stack-item div small{
    font-size:.78rem;
  }
  .ramo-quick-select{
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:10px;
  }
  .ramo-chip{
    width:100%;
  }
  .caro-panel{
    width:calc(100vw - 12px);
    max-width:390px;
    border-radius:22px;
  }
  .caro-widget{
    right:6px !important;
    bottom:72px !important;
  }
  .caro-direct-link{
    right:8px !important;
    bottom:72px !important;
    padding:10px 12px 10px 10px;
  }
  .caro-direct-avatar{
    width:42px;
    height:42px;
    flex-basis:42px;
  }
  .caro-direct-text strong{
    font-size:.92rem;
  }
  .caro-direct-text span{
    display:none;
  }
  .footer-image-wrap img{
    min-height:0;
  }
}

@media (max-width:420px){
  .brand img,
  .home-ref-nav .brand img,
  body[data-page="quote"] .brand img,
  body[data-page="contact"] .brand img{
    width:170px;
    max-width:54vw;
  }
  .menu-btn{
    width:40px;
    height:40px;
    flex-basis:40px;
    font-size:1.35rem;
  }
  .home-ref-copy h1{
    font-size:1.82rem;
  }
  .centered-tight h2,
  .section h2{
    font-size:1.55rem;
  }
  .quote-form-block,
  .contact-hero-card,
  .producer-box,
  .producer-form,
  .app-promo-copy{
    padding:20px 16px;
  }
  .store-btn{
    padding:12px 14px;
    border-radius:16px;
  }
  .store-badge-icon{
    width:44px;
    height:44px;
  }
}


/* === v16 cleanup: contacto, productores, app y caro === */
.app-unified-card{
  display:grid;
  grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);
  gap:32px;
  align-items:center;
  padding:34px;
  border:1px solid rgba(217,225,239,.95);
  border-radius:30px;
  background:linear-gradient(135deg,#ffffff 0%,#f7f9fd 100%);
  box-shadow:var(--shadow);
}
.app-device-stage{
  display:grid;
  gap:18px;
  align-items:center;
}
.app-device-card{
  background:linear-gradient(145deg,#103a88,#2353b8 58%,#6fa1ff 100%);
  border-radius:28px;
  padding:18px;
  display:flex;
  justify-content:center;
  align-items:center;
  min-height:420px;
  box-shadow:0 28px 60px rgba(20,61,145,.24);
}
.app-device-card img{
  width:min(100%,390px);
  max-height:440px;
  object-fit:contain;
  display:block;
  filter:drop-shadow(0 18px 32px rgba(8,22,55,.28));
}
.app-device-badges{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}
.app-device-badges span{
  padding:10px 14px;
  border-radius:999px;
  background:#fff;
  border:1px solid #d9e2f0;
  color:#1c3f89;
  font-weight:700;
  box-shadow:0 10px 24px rgba(19,44,98,.08);
}
.producer-box-enhanced{
  grid-template-columns:minmax(0,1.08fr) minmax(340px,.92fr);
  gap:32px;
  align-items:stretch;
}
.producer-visual-card{
  position:relative;
  min-height:100%;
  overflow:hidden;
  border-radius:30px;
  background:#0f244d;
  box-shadow:0 22px 50px rgba(8,24,55,.24);
}
.producer-visual-card img{
  width:100%;
  height:100%;
  min-height:620px;
  object-fit:cover;
  display:block;
}
.producer-visual-overlay{
  position:absolute;
  inset:0;
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
  gap:16px;
  padding:34px;
  color:#fff;
  background:linear-gradient(180deg,rgba(10,21,44,.08) 0%,rgba(10,21,44,.56) 46%,rgba(10,21,44,.88) 100%);
}
.producer-visual-overlay h2,
.producer-visual-overlay p,
.producer-visual-overlay li{color:#fff}
.producer-points-overlay{margin-bottom:0}
.producer-form-enhanced{
  background:rgba(255,255,255,.98);
  color:var(--text);
  border:1px solid rgba(217,225,239,.95);
  box-shadow:var(--shadow);
}
.producer-form-enhanced label,
.producer-form-enhanced .form-note{color:var(--text-soft)}
.producer-form-enhanced .btn-white{border-color:#d9e2f0;color:#1d3f88;background:#fff}
.contact-page-section{padding-top:36px}
.contact-page-enhanced{display:grid;gap:28px}
.contact-hero-enhanced{
  display:grid;
  grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);
  gap:0;
  overflow:hidden;
  border-radius:30px;
  background:#fff;
  border:1px solid rgba(217,225,239,.95);
}
.contact-hero-copy{
  padding:40px;
  display:flex;
  flex-direction:column;
  justify-content:center;
  gap:18px;
}
.contact-hero-copy h1{font-size:clamp(2rem,3vw,3.4rem);line-height:1.05;margin:0}
.contact-hero-copy p{margin:0;color:var(--text-soft)}
.contact-highlight-list{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:14px;
}
.contact-highlight-list div{
  padding:16px;
  border-radius:18px;
  background:#f7f9fd;
  border:1px solid #d9e2f0;
  display:grid;
  gap:6px;
}
.contact-highlight-list strong{color:#1d3f88}
.contact-highlight-list span{font-size:.96rem;color:var(--text-soft)}
.contact-hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.contact-hero-visual{position:relative;min-height:100%}
.contact-hero-visual::after{
  content:'';
  position:absolute;
  inset:0;
  background:linear-gradient(270deg,rgba(8,21,44,.02) 0%,rgba(8,21,44,.12) 100%);
}
.contact-hero-visual img{
  width:100%;
  height:100%;
  min-height:520px;
  object-fit:cover;
  display:block;
}
.contact-cards-enhanced{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px;
}
.contact-card-large{
  min-height:140px;
  padding:24px;
  border-radius:24px;
  align-items:flex-start;
  background:#fff;
  border:1px solid rgba(217,225,239,.95);
  box-shadow:0 16px 36px rgba(13,33,73,.08);
}
.contact-card-large strong{font-size:1.08rem}
.contact-card-large span{line-height:1.5}
.caro-footer-note{line-height:1.45}
.caro-quick{grid-template-columns:repeat(2,minmax(0,1fr))}

@media (max-width:1100px){
  .app-unified-card,
  .producer-box-enhanced,
  .contact-hero-enhanced{grid-template-columns:1fr}
  .contact-highlight-list{grid-template-columns:1fr}
}
@media (max-width:768px){
  .app-unified-card,
  .contact-hero-copy,
  .producer-visual-overlay{padding:24px}
  .app-device-card{min-height:320px}
  .producer-visual-card img,
  .contact-hero-visual img{min-height:360px}
  .contact-cards-enhanced{grid-template-columns:1fr}
}
@media (max-width:640px){
  .app-device-badges{justify-content:center}
  .contact-page-section{padding-top:18px}
  .contact-hero-copy h1{font-size:2rem}
  .contact-hero-actions .btn{width:100%;justify-content:center}
  .producer-form-enhanced,
  .contact-card-large{padding:20px}
  .app-unified-card{padding:22px}
  .caro-quick{grid-template-columns:1fr}
}


/* === Contact form refresh === */
.contact-form-layout{
  display:grid;
  grid-template-columns:minmax(0,1.2fr) minmax(280px,.8fr);
  gap:28px;
  align-items:start;
}
.contact-form-card,
.contact-info-card{
  padding:28px;
}
.contact-form-header h2{
  margin:10px 0 12px;
  color:#16294e;
  font-size:clamp(1.8rem,2.4vw,2.35rem);
}
.contact-form-pro{
  display:grid;
  gap:18px;
}
.contact-form-pro textarea{
  width:100%;
  min-height:150px;
  resize:vertical;
}
.contact-form-actions{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
}
.contact-side-stack{
  display:grid;
  gap:22px;
}
.contact-mini-list{
  display:grid;
  gap:16px;
  margin-top:12px;
}
.contact-mini-list a,
.contact-mini-list div{
  display:grid;
  gap:4px;
  padding:16px 18px;
  border:1px solid rgba(217,225,239,.95);
  border-radius:18px;
  color:#4d5d7b;
  background:#fff;
}
.contact-mini-list strong{
  color:#16294e;
  font-size:1rem;
}
.btn-block-mobile{
  min-width:220px;
}
@media (max-width: 980px){
  .contact-form-layout{grid-template-columns:1fr;}
}
@media (max-width: 640px){
  .contact-form-card,
  .contact-info-card{padding:22px;}
  .contact-form-actions{grid-template-columns:1fr;display:grid;}
  .btn-block-mobile{width:100%;min-width:0;justify-content:center;}
}

/* === v17 hotfix: widget Caro usable + uniform polish === */
html{scroll-behavior:smooth}
body{overflow-x:hidden}
img{max-width:100%}
.site-header{backdrop-filter:saturate(180%) blur(8px)}
.section-tag{text-wrap:balance}

.caro-widget,
.caro-widget-ready{
  position:fixed !important;
  right:18px !important;
  bottom:18px !important;
  z-index:2000 !important;
  display:flex;
  flex-direction:column;
  align-items:flex-end;
  gap:12px;
  max-width:calc(100vw - 24px);
}
.caro-widget .caro-panel{
  width:min(360px,calc(100vw - 24px)) !important;
  max-height:min(72vh,620px) !important;
  border-radius:24px !important;
  overflow:hidden;
  display:none;
  flex-direction:column;
  opacity:0;
  transform:translateY(8px) scale(.98);
  transform-origin:bottom right;
}
.caro-widget .caro-panel.open{
  display:flex !important;
  opacity:1;
  transform:translateY(0) scale(1);
}
.caro-widget .caro-header{padding:16px 18px !important}
.caro-widget .caro-header h3{font-size:1.15rem !important;line-height:1.1}
.caro-widget .caro-header p{font-size:.82rem !important}
.caro-widget .caro-avatar{width:48px !important;height:48px !important}
.caro-widget .caro-close{
  width:38px;
  height:38px;
  border-radius:50%;
  display:grid;
  place-items:center;
  font-size:1.6rem !important;
  background:rgba(255,255,255,.14);
}
.caro-widget .caro-status{padding:11px 16px !important;font-size:.9rem}
.caro-widget .caro-messages{
  flex:1 1 auto;
  min-height:160px;
  max-height:280px !important;
  overflow:auto;
  padding:14px !important;
}
.caro-widget .caro-msg{font-size:.94rem;padding:12px 14px !important;border-radius:16px !important}
.caro-widget .caro-quick{padding:0 14px 12px !important;gap:8px !important}
.caro-widget .caro-quick button,
.caro-widget .caro-quick a{min-height:42px !important;padding:10px 12px !important;font-size:.88rem}
.caro-widget .caro-input-row{
  display:flex !important;
  gap:8px;
  padding:0 14px 14px !important;
  background:#fbfcff;
}
.caro-widget .caro-input{padding:12px 13px !important;font-size:.93rem}
.caro-widget .caro-send{padding:0 14px !important;font-size:.9rem}
.caro-widget .caro-footer-note{padding:10px 14px !important;font-size:.78rem !important}
.caro-widget .caro-launcher{
  min-height:58px;
  max-width:min(320px,calc(100vw - 24px));
  padding:10px 14px 10px 10px !important;
}
.caro-widget .caro-mini-avatar{width:40px !important;height:40px !important}
.caro-widget .caro-launcher-text strong{font-size:.95rem !important}
.caro-widget .caro-launcher-text span{font-size:.76rem !important}
.caro-widget.is-open .caro-launcher{box-shadow:0 10px 24px rgba(17,62,171,.18)}

.home-ref-card,
.contact-form-card,
.contact-info-card,
.app-unified-card,
.producer-form-enhanced,
.contact-card-large{transition:transform .18s ease, box-shadow .18s ease}
.home-ref-card:hover,
.contact-card-large:hover,
.contact-info-card:hover{transform:translateY(-2px)}

@media (max-width: 640px){
  .site-header .nav-wrap{min-height:72px}
  .caro-widget,
  .caro-widget-ready{right:10px !important;bottom:10px !important;max-width:calc(100vw - 12px)}
  .caro-widget .caro-panel{width:calc(100vw - 12px) !important;max-height:70vh !important;border-radius:20px !important}
  .caro-widget .caro-messages{max-height:220px !important}
  .caro-widget .caro-launcher{padding:10px !important;min-height:54px}
  .caro-widget .caro-launcher-text{display:none !important}
  .caro-widget .caro-quick{grid-template-columns:1fr !important}
}


/* === v18 premium uniformity + button alignment + Caro UX === */
:root{
  --premium-shadow: 0 18px 46px rgba(15, 38, 85, .12);
  --premium-shadow-soft: 0 10px 28px rgba(15, 38, 85, .08);
  --premium-border: rgba(199, 214, 238, .9);
}

html{scroll-behavior:smooth}
body.page-soft, body[data-page]{background:
  radial-gradient(circle at top right, rgba(226,236,255,.72), transparent 34%),
  linear-gradient(180deg, #f6f9ff 0%, #ffffff 22%, #f7faff 100%)}

.site-header{
  backdrop-filter:saturate(180%) blur(12px);
  -webkit-backdrop-filter:saturate(180%) blur(12px);
  background:rgba(255,255,255,.84);
  border-bottom:1px solid rgba(214,224,241,.85);
  box-shadow:0 8px 30px rgba(16,42,93,.05);
}
.brand img{filter:drop-shadow(0 6px 16px rgba(14,49,120,.10))}
.nav-links a{
  position:relative;
  font-weight:700;
  letter-spacing:.01em;
}
.nav-links a::after{
  content:"";
  position:absolute;
  left:0; right:0; bottom:-8px;
  height:3px;
  border-radius:999px;
  background:linear-gradient(90deg, #1d66e6, #3f88ff);
  transform:scaleX(0);
  transform-origin:center;
  transition:transform .24s ease;
}
.nav-links a:hover::after,
.nav-links a.active::after{transform:scaleX(1)}

.card-soft,
.content-image-card,
.home-ref-card,
.logo-card,
.app-unified-card,
.contact-hero-enhanced,
.contact-form-card,
.contact-info-card,
.quote-form-block,
.success-card,
.producer-form,
.producer-visual-card{
  border:1px solid var(--premium-border);
  box-shadow:var(--premium-shadow-soft);
}

.section-head p,
.step-card-head p,
.contact-form-header p,
.contact-hero-copy p,
.producer-visual-overlay p,
.home-ref-card p,
.home-ref-card span,
.contact-info-card p{
  text-wrap:pretty;
}

.btn,
.home-ref-btn,
.store-btn,
.sticky-cta-bar a,
.step-actions .btn,
.contact-form-actions .btn,
.contact-hero-actions .btn,
.action-row .btn,
.success-actions .btn,
.cta-center .btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  min-height:50px;
  padding:14px 22px;
  text-align:center;
  line-height:1.15;
  border-radius:16px;
  font-weight:800;
  letter-spacing:.01em;
  box-shadow:0 8px 20px rgba(15, 53, 125, .08);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease, background .18s ease;
}
.btn:hover,
.home-ref-btn:hover,
.store-btn:hover,
.sticky-cta-bar a:hover{
  transform:translateY(-1px);
  box-shadow:0 14px 28px rgba(15, 53, 125, .12);
}
.btn-primary,
.home-ref-btn{
  background:linear-gradient(135deg, #1b66e5, #0e49ba);
}
.btn-secondary,
.btn-outline-primary{
  border-width:1px;
}
.btn-secondary,
.btn-white{
  background:#fff;
  color:#183b76;
}
.cta-center .btn,
.contact-form-actions .btn,
.contact-hero-actions .btn,
.action-row .btn,
.success-actions .btn{
  min-width:220px;
}
.home-ref-btn{
  width:100%;
  text-transform:none;
}
.home-service-item{
  min-height:96px;
  align-items:center;
  justify-content:center;
  text-align:center;
}
.home-service-item strong{
  display:block;
  line-height:1.1;
}
.section-tag{
  letter-spacing:.08em;
  font-weight:800;
}
h1,h2,h3{
  text-wrap:balance;
}
p{
  line-height:1.68;
}

.home-ref-services-card,
.quote-form-main,
.contact-form-card,
.contact-info-card,
.producer-form-enhanced{
  background:linear-gradient(180deg, rgba(255,255,255,.98), rgba(248,251,255,.98));
}
.home-ref-card:hover,
.logo-card:hover,
.store-btn:hover,
.contact-info-card:hover{
  border-color:#c6d7f6;
  box-shadow:var(--premium-shadow);
}

.quote-stack-item{
  min-height:82px;
}
.suggestion-box,
.quote-progress-box,
.contact-highlight-list > div,
.contact-mini-list a,
.contact-mini-list div{
  border:1px solid rgba(214,224,241,.95);
  box-shadow:none;
}

.app-device-badges span,
.branch-item,
.producer-points-overlay li,
.check-list li{
  line-height:1.45;
}

.home-ref-contact-grid,
.home-ref-insurance-grid,
.ref-balance-grid,
.contact-form-layout,
.producer-box-enhanced{
  align-items:stretch;
}

.producer-form .form-note{
  margin-top:16px;
  line-height:1.55;
  opacity:.95;
}

.footer-image-wrap{
  background:linear-gradient(180deg, rgba(246,249,255,0), #eef4ff 58%, #e6efff 100%);
}

/* Caro premium */
body.caro-open{overflow:hidden}
.caro-overlay{
  position:fixed;
  inset:0;
  background:rgba(8,18,39,.32);
  backdrop-filter:blur(2px);
  -webkit-backdrop-filter:blur(2px);
  opacity:0;
  pointer-events:none;
  transition:opacity .22s ease;
  z-index:9988;
}
body.caro-open .caro-overlay{
  opacity:1;
  pointer-events:auto;
}
.caro-widget,
.caro-widget-ready{
  z-index:9999 !important;
}
.caro-widget .caro-panel{
  width:min(390px, calc(100vw - 28px)) !important;
  max-height:min(76vh, 720px) !important;
  border-radius:26px !important;
  border:1px solid rgba(201,215,239,.96) !important;
  box-shadow:0 24px 60px rgba(6,25,62,.22) !important;
  overflow:hidden !important;
  background:linear-gradient(180deg, #ffffff 0%, #f7faff 100%) !important;
}
.caro-widget .caro-header{
  padding:16px 18px !important;
  background:linear-gradient(135deg, #0f4abf, #1c6cea 62%, #4b93ff) !important;
}
.caro-widget .caro-header-main{
  gap:12px !important;
}
.caro-avatar,
.caro-mini-avatar,
.caro-direct-avatar{
  color:transparent !important;
  background-color:#fff !important;
  background-image:url('../images/caro-avatar-real.png') !important;
  background-size:cover !important;
  background-position:center !important;
  border:2px solid rgba(255,255,255,.85) !important;
  overflow:hidden;
}
.caro-mini-avatar{
  border-color:rgba(255,255,255,.78) !important;
}
.caro-widget .caro-close{
  width:38px !important;
  height:38px !important;
  border-radius:50% !important;
  background:rgba(255,255,255,.14) !important;
  border:1px solid rgba(255,255,255,.18) !important;
}
.caro-widget .caro-close:hover{
  background:rgba(255,255,255,.22) !important;
}
.caro-widget .caro-status{
  padding:11px 16px !important;
  background:#f8fbff !important;
  border-bottom:1px solid rgba(214,224,241,.95) !important;
}
.caro-widget .caro-messages{
  padding:16px !important;
  max-height:330px !important;
  background:linear-gradient(180deg, #fbfdff, #f4f8ff) !important;
}
.caro-widget .caro-msg{
  max-width:88%;
  border-radius:18px !important;
  padding:12px 14px !important;
  line-height:1.45 !important;
  box-shadow:0 6px 18px rgba(20,52,104,.06);
}
.caro-widget .caro-msg.bot{
  background:#fff !important;
  border:1px solid rgba(216,226,241,.95);
}
.caro-widget .caro-msg.user{
  background:linear-gradient(135deg, #1a67e6, #0f4cbc) !important;
}
.caro-widget .caro-quick{
  padding:0 14px 12px !important;
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr)) !important;
  gap:8px !important;
}
.caro-widget .caro-quick a,
.caro-widget .caro-quick button{
  min-height:44px !important;
  padding:10px 12px !important;
  border-radius:14px !important;
  font-weight:700 !important;
  text-align:center !important;
  box-shadow:none !important;
}
.caro-widget .caro-input-row{
  padding:0 14px 14px !important;
  gap:10px !important;
}
.caro-widget .caro-input{
  min-height:46px !important;
  border-radius:14px !important;
}
.caro-widget .caro-send{
  min-width:86px !important;
  min-height:46px !important;
  border-radius:14px !important;
}
.caro-widget .caro-footer-note{
  padding:12px 14px !important;
  color:#54657f !important;
  background:#f8fbff !important;
  border-top:1px solid rgba(214,224,241,.95) !important;
}
.caro-widget .caro-launcher{
  min-height:60px !important;
  border-radius:22px !important;
  padding:10px 14px !important;
  border:1px solid rgba(198,213,239,.96) !important;
  box-shadow:0 20px 38px rgba(10,36,92,.18) !important;
}
.caro-widget.is-open .caro-launcher{
  opacity:.86;
}
.caro-widget .caro-launcher-text strong{
  line-height:1.1;
}
.home-ref-card .home-ref-btn{
  min-height:46px;
}

@media (max-width: 991px){
  .cta-center .btn,
  .contact-form-actions .btn,
  .contact-hero-actions .btn,
  .action-row .btn,
  .success-actions .btn{
    min-width:unset;
    width:100%;
  }
}

@media (max-width: 768px){
  .btn,
  .home-ref-btn,
  .store-btn,
  .sticky-cta-bar a{
    min-height:48px;
    padding:13px 18px;
  }
  .nav-links a::after{display:none}
  .caro-widget .caro-panel{
    width:min(380px, calc(100vw - 18px)) !important;
    max-height:72vh !important;
    border-radius:22px !important;
  }
  .caro-widget .caro-messages{max-height:260px !important}
}

@media (max-width: 520px){
  .caro-widget,
  .caro-widget-ready{
    right:10px !important;
    bottom:10px !important;
  }
  .caro-widget .caro-panel{
    width:calc(100vw - 20px) !important;
    max-height:74vh !important;
    border-radius:20px !important;
  }
  .caro-widget .caro-launcher{
    padding:10px 12px !important;
  }
  .caro-widget .caro-launcher-text{
    display:none !important;
  }
  .caro-widget .caro-quick{
    grid-template-columns:1fr !important;
  }
}