.related-grid{max-width:1080px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;padding:0 20px}@media(max-width:768px){.related-grid{grid-template-columns:1fr}}:root{--verde: #7BC31C;--verde-hover: #69a818;--verde-claro: #e8f7d0;--azul: #1A3DB5;--azul-dark: #0d2580;--negro: #0e0e0e;--gris: #f4f6f9;--gris-borde: #e8eaf0;--gris-texto: #555;--blanco: #ffffff}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Poppins,sans-serif;color:var(--negro);background:#fff}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.whatsapp-float{position:fixed;bottom:28px;right:28px;width:58px;height:58px;background:#25d366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 20px #25d36680;z-index:1400;transition:transform .2s;cursor:pointer}.whatsapp-float:hover{transform:scale(1.1)}.whatsapp-float svg{width:32px;height:32px;fill:#fff}.article-hero{background:linear-gradient(135deg,var(--azul) 0%,var(--azul-dark) 100%);padding:64px 60px 0;color:#fff;position:relative;overflow:hidden}.article-hero:before{content:"";position:absolute;top:-100px;right:-80px;width:500px;height:500px;background:#7bc31c1a;border-radius:50%}.article-hero:after{content:"";position:absolute;bottom:60px;left:60px;width:200px;height:200px;background:#ffffff0a;border-radius:50%}.article-hero-inner{position:relative;z-index:1;max-width:860px;margin:0 auto}.breadcrumb{display:flex;align-items:center;gap:8px;font-size:.82rem;color:#fff9;margin-bottom:24px}.breadcrumb a{color:#fff9;transition:color .2s}.breadcrumb a:hover{color:var(--verde)}.breadcrumb span{color:#ffffff59}.article-category{display:inline-flex;align-items:center;gap:6px;background:#7bc31c33;border:1px solid rgba(123,195,28,.4);color:#a8e04a;padding:5px 14px;border-radius:30px;font-size:.78rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin-bottom:20px}.article-hero h1{font-size:2.6rem;font-weight:900;line-height:1.2;margin-bottom:20px;max-width:760px}.article-hero h1 .highlight{color:var(--verde)}.article-hero .excerpt{font-size:1.05rem;color:#ffffffbf;line-height:1.7;max-width:660px;margin-bottom:36px}.article-meta{display:flex;align-items:center;gap:24px;flex-wrap:wrap;padding-bottom:32px}.author-chip{display:flex;align-items:center;gap:10px}.author-avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--verde) 0%,var(--azul) 100%);display:flex;align-items:center;justify-content:center;font-size:.9rem;font-weight:800;color:#fff;flex-shrink:0;border:2px solid rgba(255,255,255,.3)}.author-info .name{font-size:.88rem;font-weight:700;color:#fff}.author-info .role{font-size:.75rem;color:#ffffff80}.meta-divider{width:1px;height:28px;background:#fff3}.meta-item{display:flex;align-items:center;gap:7px;font-size:.82rem;color:#fff9}.meta-item svg{width:15px;height:15px;opacity:.7}.hero-image-strip{margin-top:36px;border-radius:20px 20px 0 0;overflow:hidden;height:340px;background:linear-gradient(160deg,#1e3a5f,#2d5a8e 40%,#1a4a6e);display:flex;align-items:center;justify-content:center;position:relative}.hero-image-placeholder{display:flex;flex-direction:column;align-items:center;gap:16px;opacity:.3}.hero-image-placeholder svg{width:80px;height:80px;fill:#fff}.hero-image-placeholder p{color:#fff;font-size:.9rem;font-weight:600}.image-tag{position:absolute;bottom:20px;left:24px;background:#0000008c;backdrop-filter:blur(6px);color:#fff;font-size:.75rem;padding:6px 14px;border-radius:20px;border:1px solid rgba(255,255,255,.15)}.image-overlay{position:absolute;bottom:24px;left:32px;background:#0006;backdrop-filter:blur(6px);color:#fff;font-size:.75rem;padding:6px 14px;border-radius:20px;border:1px solid rgba(255,255,255,.15)}@media(max-width:768px){.article-meta{flex-wrap:wrap;gap:16px;justify-content:flex-start}.meta-divider{display:none}.hero-image-strip{height:240px}h1{font-size:2.2rem!important}.article-hero{padding:40px 20px 0}.article-hero-inner{padding:0}}.article-layout{display:grid;grid-template-columns:1fr 320px;gap:56px;padding:56px 60px 80px;max-width:1200px;margin:0 auto;align-items:start}@media(max-width:900px){.article-layout{grid-template-columns:1fr;padding:40px 20px;gap:40px}}.article-content{min-width:0}.share-bar{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:40px;padding-bottom:32px;border-bottom:1px solid var(--gris-borde)}.share-label{font-size:.82rem;font-weight:600;color:var(--gris-texto);margin-right:4px}.share-btn{display:flex;align-items:center;gap:7px;padding:8px 16px;border-radius:8px;font-size:.8rem;font-weight:600;cursor:pointer;transition:transform .15s,opacity .15s;border:none}.share-btn:hover{transform:translateY(-1px);opacity:.9}.share-btn svg{width:16px;height:16px}.share-fb{background:#1877f2;color:#fff}.share-tw{background:#0f1419;color:#fff}.share-wa{background:#25d366;color:#fff}.share-copy{background:var(--gris);color:var(--negro);border:1px solid var(--gris-borde)}.prose h2{font-size:1.55rem;font-weight:800;color:var(--azul);margin:44px 0 18px;line-height:1.25;scroll-margin-top:100px}.prose h3{font-size:1.15rem;font-weight:700;color:var(--negro);margin:32px 0 12px;scroll-margin-top:100px}.prose blockquote cite{display:block;font-size:.82rem;color:var(--gris-texto);margin-top:10px;font-style:normal}.info-box{background:#eef3ff;border:1px solid #c7d5ff;border-radius:14px;padding:22px 24px;margin:32px 0;display:flex;gap:16px}.info-box .icon{font-size:1.5rem;flex-shrink:0;line-height:1}.info-box-body h4{font-size:.92rem;font-weight:700;color:var(--azul);margin-bottom:6px}.info-box-body p{font-size:.88rem;line-height:1.7;color:#444;margin:0}.warning-box{background:#fffbeb;border:1px solid #fcd34d;border-radius:14px;padding:22px 24px;margin:32px 0;display:flex;gap:16px}.warning-box .icon{font-size:1.5rem;flex-shrink:0;line-height:1}.warning-box-body h4{font-size:.92rem;font-weight:700;color:#92400e;margin-bottom:6px}.warning-box-body p{font-size:.88rem;line-height:1.7;color:#444;margin:0}.comparison-table{width:100%;border-collapse:collapse;margin:32px 0;border-radius:14px;overflow:hidden;box-shadow:0 2px 20px #00000012;font-size:.9rem}.comparison-table thead{background:var(--azul);color:#fff}.comparison-table th{padding:16px 20px;text-align:left;font-weight:700}.comparison-table td{padding:14px 20px;border-bottom:1px solid var(--gris-borde);color:#3a3a3a}.comparison-table tbody tr:last-child td{border-bottom:none}.comparison-table tbody tr:nth-child(2n){background:var(--gris)}.comparison-table .check{color:var(--verde);font-weight:700}.comparison-table .cross{color:#e05252}.article-image{border-radius:16px;overflow:hidden;margin:36px 0}.article-image-placeholder{height:280px;background:linear-gradient(135deg,#e8f0fe,#d0e0ff);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;color:var(--azul);opacity:.6}.article-image-placeholder svg{width:48px;height:48px;fill:var(--azul)}.article-image-placeholder span{font-size:.82rem;font-weight:600}.article-image figcaption{font-size:.78rem;color:var(--gris-texto);text-align:center;padding:10px 16px;background:var(--gris);font-style:italic}.article-tags{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin:40px 0 0;padding-top:32px;border-top:1px solid var(--gris-borde)}.tags-label{font-size:.82rem;font-weight:700;color:var(--gris-texto)}.tag{padding:5px 14px;background:var(--gris);border:1px solid var(--gris-borde);border-radius:20px;font-size:.78rem;font-weight:600;color:var(--gris-texto);transition:all .2s;cursor:pointer}.tag:hover{background:var(--verde-claro);border-color:var(--verde);color:var(--azul-dark)}.author-box{margin-top:48px;background:var(--gris);border-radius:20px;padding:32px;display:flex;gap:24px;align-items:flex-start}.author-box-avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(135deg,var(--verde) 0%,var(--azul) 100%);display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:900;color:#fff;flex-shrink:0}.author-box-info .label{font-size:.75rem;font-weight:700;color:var(--verde);text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}.author-box-info h3{font-size:1.1rem;font-weight:800;margin-bottom:8px}.author-box-info p{font-size:.88rem;line-height:1.7;color:var(--gris-texto);margin:0}.sidebar{position:sticky;top:92px}.toc-card{background:#fff;border:1px solid var(--gris-borde);border-radius:16px;overflow:hidden;margin-bottom:28px}.toc-header{background:var(--azul);color:#fff;padding:16px 20px;font-size:.85rem;font-weight:700;display:flex;align-items:center;gap:8px}.toc-header svg{width:16px;height:16px;fill:var(--verde)}.toc-list{padding:16px 20px;list-style:none}.toc-list li{margin-bottom:4px}.toc-list a{font-size:.83rem;color:var(--gris-texto);display:flex;align-items:flex-start;gap:10px;padding:6px 8px;border-radius:8px;transition:all .2s;line-height:1.45}.toc-list a:hover{background:var(--verde-claro);color:var(--azul-dark)}.toc-list a.active{background:var(--verde-claro);color:var(--azul-dark);font-weight:600}.toc-list a:before{content:"";width:6px;height:6px;background:var(--gris-borde);border-radius:50%;flex-shrink:0;margin-top:5px}.toc-list a:hover:before,.toc-list a.active:before{background:var(--verde)}.cta-sidebar{background:linear-gradient(160deg,var(--azul) 0%,var(--azul-dark) 100%);border-radius:16px;padding:28px 24px;color:#fff;margin-bottom:28px;text-align:center}.cta-sidebar .cta-icon{font-size:2.4rem;margin-bottom:12px}.cta-sidebar h3{font-size:1.05rem;font-weight:800;margin-bottom:10px;line-height:1.3}.cta-sidebar p{font-size:.82rem;color:#ffffffb3;line-height:1.6;margin-bottom:20px}.cta-sidebar a{display:block;background:var(--verde);color:#fff;padding:13px 20px;border-radius:10px;font-weight:700;font-size:.88rem;transition:background .2s,transform .15s}.cta-sidebar a:hover{background:var(--verde-hover);transform:translateY(-1px)}.cta-phone{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;font-size:.8rem;color:#ffffff8c}.quick-facts{background:#fff;border:1px solid var(--gris-borde);border-radius:16px;overflow:hidden;margin-bottom:28px}.quick-facts-header{padding:14px 20px;background:var(--verde-claro);font-size:.85rem;font-weight:700;color:var(--azul-dark);display:flex;align-items:center;gap:8px;border-bottom:1px solid #c8e8a0}.quick-facts-list{padding:16px 20px;list-style:none}.quick-facts-list li{display:flex;align-items:flex-start;gap:10px;font-size:.83rem;color:var(--gris-texto);padding:8px 0;border-bottom:1px solid var(--gris-borde);line-height:1.5}.quick-facts-list li:last-child{border-bottom:none}.quick-facts-list .fact-icon{font-size:1rem;flex-shrink:0}.related-sidebar{background:#fff;border:1px solid var(--gris-borde);border-radius:16px;overflow:hidden}.related-sidebar-header{padding:14px 20px;font-size:.85rem;font-weight:700;color:var(--negro);border-bottom:1px solid var(--gris-borde)}.related-sidebar-item{display:flex;gap:14px;padding:14px 20px;border-bottom:1px solid var(--gris-borde);transition:background .15s;cursor:pointer}.related-sidebar-item:last-child{border-bottom:none}.related-sidebar-item:hover{background:var(--gris)}.related-thumb{width:60px;height:60px;border-radius:10px;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:1.4rem}.related-thumb.car{background:#dbeafe}.related-thumb.home{background:#dcfce7}.related-thumb.life{background:#fef3c7}.related-thumb.moto{background:#fce7f3}.related-sidebar-text .cat{font-size:.72rem;font-weight:700;color:var(--verde);text-transform:uppercase;letter-spacing:.4px}.related-sidebar-text .art-title{font-size:.82rem;font-weight:600;color:var(--negro);line-height:1.4}.related-sidebar-text .read{font-size:.75rem;color:var(--gris-texto);margin-top:3px}.related-section{background:var(--gris);padding:72px 60px}@media(max-width:768px){.related-section{padding:48px 20px}}.section-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:40px}@media(max-width:768px){.section-header{flex-direction:column;align-items:flex-start;gap:16px;margin-bottom:24px}.section-header h2{font-size:1.6rem!important}}.section-header h2{font-size:1.8rem;font-weight:900}.section-header a{font-size:.88rem;font-weight:700;color:var(--verde)}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}@media(max-width:900px){.related-grid{grid-template-columns:1fr}}.related-card{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 2px 16px #0000000f;transition:transform .25s,box-shadow .25s;cursor:pointer}.related-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px #0000001a}.related-card-img{height:170px;display:flex;align-items:center;justify-content:center;font-size:3rem}.related-card-img.car{background:linear-gradient(135deg,#dbeafe,#bfdbfe)}.related-card-img.home{background:linear-gradient(135deg,#dcfce7,#bbf7d0)}.related-card-img.life{background:linear-gradient(135deg,#fef3c7,#fde68a)}.related-card-body{padding:20px 22px 24px}.related-card-body .card-cat{font-size:.75rem;font-weight:700;color:var(--verde);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}.related-card-body h3{font-size:1rem;font-weight:800;line-height:1.35;color:var(--negro);margin-bottom:10px}.related-card-body p{font-size:.83rem;color:var(--gris-texto);line-height:1.6;margin-bottom:16px}.card-footer-meta{display:flex;align-items:center;justify-content:space-between}.card-footer-meta .read-time{font-size:.75rem;color:var(--gris-texto)}.card-footer-meta .read-link{font-size:.8rem;font-weight:700;color:var(--azul);display:flex;align-items:center;gap:4px}.card-footer-meta .read-link:hover{color:var(--verde)}.bottom-cta{background:linear-gradient(135deg,var(--azul) 0%,var(--azul-dark) 100%);padding:72px 60px;color:#fff;display:flex;align-items:center;justify-content:space-between;gap:40px}@media(max-width:900px){.bottom-cta{flex-direction:column;padding:48px 20px;align-items:flex-start}.bottom-cta h2{font-size:1.8rem!important}}.bottom-cta h2{font-size:2rem;font-weight:900;line-height:1.2;max-width:540px}.bottom-cta h2 .highlight{color:var(--verde)}.bottom-cta p{margin-top:12px;font-size:1rem;color:#ffffffb3}.cta-buttons{display:flex;gap:16px;flex-shrink:0;flex-wrap:wrap}.btn-primary{background:var(--verde);color:#fff;padding:16px 32px;border-radius:10px;font-weight:700;font-size:.95rem;transition:background .2s,transform .15s;white-space:nowrap}.btn-primary:hover{background:var(--verde-hover);transform:translateY(-2px)}.btn-outline{border:2px solid rgba(255,255,255,.4);color:#fff;padding:14px 28px;border-radius:10px;font-weight:700;font-size:.95rem;transition:border-color .2s,background .2s;white-space:nowrap}.btn-outline:hover{border-color:#fff;background:#ffffff1a}.footer-main{background:#0a0a0a;color:#fffc;padding:72px 60px 48px}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:56px;margin-bottom:56px}@media(max-width:900px){.footer-grid{grid-template-columns:1fr;gap:40px}.footer-main{padding:40px 20px}}.footer-brand p{font-size:.87rem;line-height:1.7;color:#ffffff8c;margin-bottom:24px}.footer-col h4{font-size:.9rem;font-weight:700;color:#fff;margin-bottom:20px}.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}.footer-col ul li a{font-size:.85rem;color:#ffffff8c;transition:color .2s}.footer-col ul li a:hover{color:var(--verde)}.footer-offices{display:flex;flex-direction:column;gap:16px}.office-item{display:flex;gap:12px;align-items:flex-start}.office-icon{font-size:1rem;color:var(--verde);flex-shrink:0;margin-top:2px}.office-item p{font-size:.82rem;color:#ffffff8c;line-height:1.5}.office-hours{background:#7bc31c1f;border-left:3px solid var(--verde);padding:12px 16px;border-radius:0 8px 8px 0;margin-top:16px}.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:28px;display:flex;justify-content:space-between;font-size:.8rem;color:#ffffff4d;flex-wrap:wrap;gap:12px}.footer-legal{background:var(--azul-dark);padding:18px 60px;font-size:.78rem;text-align:center;color:#ffffff73}.prose img{max-width:100%;border-radius:12px;margin:32px 0}.prose h2{font-size:1.55rem;font-weight:800;color:var(--azul);margin:44px 0 18px;line-height:1.25}.prose h3{font-size:1.15rem;font-weight:700;color:var(--negro);margin:32px 0 12px}.prose p{font-size:1rem;line-height:1.85;color:#3a3a3a;margin-bottom:20px}.prose ul,.prose ol{padding-left:22px;margin-bottom:20px}.prose li{font-size:1rem;line-height:1.75;color:#3a3a3a;margin-bottom:8px}.prose ul li::marker{color:var(--verde)}.prose strong{font-weight:700;color:var(--negro)}.prose blockquote{margin:36px 0;padding:24px 28px;border-left:4px solid var(--verde);background:var(--verde-claro);border-radius:0 12px 12px 0}.prose blockquote p{font-size:1.05rem;font-weight:600;color:var(--azul-dark);line-height:1.65;margin:0}