/*
   COMPARAR-SEGURO-MEDICO.CH — Seguro médico Suiza
   Design: Sky #0284C7 + Rose #E11D48, Outfit + DM Sans
   Layout: Variant D (Minimal Hero)
*/
@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@400;600;700;800&family=DM+Sans:wght@400;500;600;700&display=swap');

:root {
  --color-primary: #0284C7; --color-primary-dark: #0C4A6E; --color-primary-light: #E0F2FE;
  --color-accent: #E11D48; --color-accent-dark: #BE123C;
  --color-bg: #FAFAFA; --color-surface: #FFFFFF; --color-text: #1E293B; --color-text-light: #64748B; --color-dark: #0F172A;
  --font-display: 'Outfit', sans-serif; --font-body: 'DM Sans', sans-serif;
  --space-xs:.5rem;--space-sm:1rem;--space-md:1.5rem;--space-lg:2rem;--space-xl:3rem;--space-2xl:4rem;--space-3xl:6rem;
  --radius-sm:6px;--radius-md:12px;--radius-lg:16px;
  --shadow-sm:0 1px 3px rgba(0,0,0,.08);--shadow-md:0 4px 12px rgba(0,0,0,.1);--shadow-lg:0 8px 30px rgba(0,0,0,.12);
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--color-text);background:var(--color-bg);line-height:1.7;font-size:16px}
h1,h2,h3,h4,h5{font-family:var(--font-display);line-height:1.2;color:var(--color-primary-dark)}
h1{font-size:clamp(2rem,4vw,3rem);font-weight:800}h2{font-size:clamp(1.5rem,3vw,2.25rem);font-weight:700;margin-bottom:var(--space-md)}h3{font-size:1.25rem;font-weight:700}
a{color:var(--color-primary);text-decoration:none;transition:color .2s}a:hover{color:var(--color-accent)}
img{max-width:100%;height:auto;display:block}.container{max-width:1140px;margin:0 auto;padding:0 var(--space-md)}
.scroll-progress{position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,var(--color-primary),var(--color-accent));z-index:10000;transition:width .1s;width:0%}
.navbar{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid rgba(0,0,0,.06);transition:background .3s,box-shadow .3s;height:70px}
.navbar.scrolled{background:rgba(255,255,255,.98);box-shadow:0 4px 20px rgba(0,0,0,.1)}
.navbar .container{display:grid;grid-template-columns:auto 1fr auto;align-items:center;height:100%;gap:var(--space-md)}
.nav-logo img{height:36px;width:auto}
.nav-links{display:flex;justify-content:center;gap:var(--space-md);list-style:none}
.nav-links a{font-family:var(--font-display);font-weight:600;font-size:.9rem;color:var(--color-text);padding:var(--space-xs) 0;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--color-accent);transition:width .3s}
.nav-links a:hover::after{width:100%}.nav-links a:hover{color:var(--color-accent)}
.btn-cta{display:inline-flex;align-items:center;gap:.5rem;background:var(--color-accent);color:#FFF!important;padding:.6rem 1.4rem;border-radius:50px;font-family:var(--font-display);font-weight:700;font-size:.9rem;border:none;cursor:pointer;transition:background .2s,transform .2s;text-decoration:none;white-space:nowrap}
.btn-cta:hover{background:var(--color-accent-dark);transform:translateY(-1px)}
@keyframes pulse-ring{0%{box-shadow:0 0 0 0 rgba(225,29,72,.4)}70%{box-shadow:0 0 0 12px rgba(225,29,72,0)}100%{box-shadow:0 0 0 0 rgba(225,29,72,0)}}
.btn-cta{animation:pulse-ring 2.5s infinite}.btn-cta:hover{animation:none}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:.5rem}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--color-text);margin:5px 0;transition:transform .3s,opacity .3s}
/* HERO — Variant D: Minimal */
.hero{background:var(--color-primary-light);padding:var(--space-3xl) 0;text-align:center}
.hero .container{max-width:750px}
.hero h1{margin-bottom:var(--space-md)}.hero h1 span{color:var(--color-accent)}
.hero p{font-size:1.15rem;color:var(--color-text-light);margin-bottom:var(--space-lg);line-height:1.8}
.btn-hero{display:inline-flex;align-items:center;gap:.5rem;background:var(--color-accent);color:#FFF!important;padding:.9rem 2rem;border-radius:50px;font-family:var(--font-display);font-weight:700;font-size:1rem;transition:background .2s,transform .2s;text-decoration:none}
.btn-hero:hover{background:var(--color-accent-dark);transform:translateY(-2px)}
.img-placeholder{background:linear-gradient(135deg,var(--color-primary-light) 0%,rgba(2,132,199,.12) 100%);border-radius:var(--radius-md);aspect-ratio:4/3;width:100%}
.img-placeholder-accent{background:linear-gradient(135deg,rgba(225,29,72,.08) 0%,rgba(2,132,199,.06) 100%);border-radius:var(--radius-md);aspect-ratio:4/3;width:100%}
.icon-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-lg);text-align:center;padding:var(--space-2xl) 0}
.icon-step{padding:var(--space-lg)}.icon-step-icon{width:56px;height:56px;background:var(--color-primary-light);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto var(--space-md);font-size:1.5rem}
.icon-step h3{margin-bottom:var(--space-xs);font-size:1rem}.icon-step p{color:var(--color-text-light);font-size:.9rem}
section{padding:var(--space-3xl) 0}section:nth-child(even){background:#FFF}
.section-header{text-align:center;max-width:700px;margin:0 auto var(--space-2xl)}.section-header p{color:var(--color-text-light);font-size:1.1rem;margin-top:var(--space-sm)}
.table-wrapper{overflow-x:auto;border-radius:var(--radius-md);box-shadow:var(--shadow-sm)}
.comparison-table{width:100%;border-collapse:collapse;background:var(--color-surface)}
.comparison-table thead{background:var(--color-primary);color:#FFF}
.comparison-table th{padding:var(--space-md);font-family:var(--font-display);font-weight:700;text-align:left}
.comparison-table td{padding:var(--space-md);border-bottom:1px solid #F1F5F9;transition:background .2s}
.comparison-table tr:hover td{background:rgba(2,132,199,.03)}
.comparison-table .highlight td{background:rgba(225,29,72,.05);font-weight:600}
.features-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-lg)}
.feature-card{background:var(--color-surface);border-radius:var(--radius-md);padding:var(--space-xl);box-shadow:var(--shadow-sm);position:relative;overflow:hidden;transition:transform .3s,box-shadow .3s}
.feature-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.feature-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--color-primary),var(--color-accent));transform:scaleX(0);transition:transform .3s}
.feature-card:hover::before{transform:scaleX(1)}
.feature-card h3{margin-bottom:var(--space-sm)}.feature-card p{color:var(--color-text-light);font-size:.95rem}
.features-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-lg)}
.feature-with-image{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-2xl);align-items:center;margin-bottom:var(--space-2xl)}
.feature-with-image.reverse{direction:rtl}.feature-with-image.reverse>*{direction:ltr}
.feature-with-image .img-placeholder{border-radius:var(--radius-md);box-shadow:var(--shadow-md);width:100%}
.free-banner{background:linear-gradient(135deg,var(--color-accent),var(--color-accent-dark));text-align:center;padding:var(--space-xl) 0;color:#FFF}
.free-banner h2{color:#FFF;font-size:1.75rem;margin-bottom:var(--space-sm)}.free-banner p{color:rgba(255,255,255,.85);margin-bottom:var(--space-md)}
.stats-bar{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-lg);text-align:center;padding:var(--space-2xl) 0}
.stat-item h3{font-size:2rem;color:var(--color-accent);font-weight:800}.stat-item p{color:var(--color-text-light);font-size:.9rem;margin-top:var(--space-xs)}
.faq-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-md)}
.faq-item{background:var(--color-surface);border-radius:var(--radius-md);box-shadow:var(--shadow-sm);overflow:hidden}
.faq-question{padding:var(--space-md) var(--space-lg);font-family:var(--font-display);font-weight:700;cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:none;border:none;width:100%;font-size:.95rem;color:var(--color-text);text-align:left}
.faq-question::after{content:'+';font-size:1.5rem;color:var(--color-accent);flex-shrink:0;margin-left:var(--space-sm)}
.faq-item.open .faq-question::after{content:'−'}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s,padding .3s;padding:0 var(--space-lg);color:var(--color-text-light);font-size:.95rem;line-height:1.8}
.faq-answer.open{max-height:500px;padding:0 var(--space-lg) var(--space-lg)}
.cta-section{background:linear-gradient(135deg,var(--color-primary),var(--color-primary-dark));padding:var(--space-3xl) 0;text-align:center;color:#FFF}
.cta-section h2{color:#FFF;margin-bottom:var(--space-md)}.cta-section p{color:rgba(255,255,255,.8);font-size:1.1rem;margin-bottom:var(--space-lg);max-width:600px;margin-left:auto;margin-right:auto}
.btn-cta-large{display:inline-flex;align-items:center;gap:.5rem;background:var(--color-accent);color:#FFF!important;padding:1rem 2.5rem;border-radius:50px;font-family:var(--font-display);font-weight:700;font-size:1.1rem;transition:background .2s,transform .2s;text-decoration:none}
.btn-cta-large:hover{background:var(--color-accent-dark);transform:translateY(-2px)}
.footer{background:var(--color-dark);color:rgba(255,255,255,.7);padding:var(--space-3xl) 0 var(--space-lg)}
.footer-grid{display:grid;grid-template-columns:1fr 2fr 1fr;gap:var(--space-2xl);margin-bottom:var(--space-2xl)}
.footer h4{color:#FFF;font-family:var(--font-display);font-weight:700;margin-bottom:var(--space-md);font-size:.9rem;text-transform:uppercase;letter-spacing:.05em}
.footer-links{list-style:none}.footer-links li{margin-bottom:var(--space-xs)}.footer-links a{color:rgba(255,255,255,.6);font-size:.9rem;transition:color .2s}.footer-links a:hover{color:var(--color-accent)}
.footer-brand img{height:36px;margin-bottom:var(--space-md)}.footer-brand p{font-size:.85rem;line-height:1.7;margin-bottom:var(--space-md)}
.footer-brand-cta{display:inline-flex;align-items:center;gap:.5rem;background:var(--color-accent);color:#FFF!important;padding:.6rem 1.4rem;border-radius:50px;font-family:var(--font-display);font-weight:700;font-size:.85rem;transition:background .2s;text-decoration:none}
.footer-brand-cta:hover{background:var(--color-accent-dark)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:var(--space-md);display:flex;justify-content:space-between;align-items:center;font-size:.8rem}
.footer-bottom-links{display:flex;gap:var(--space-md)}.footer-bottom-links a{color:rgba(255,255,255,.5);font-size:.8rem}.footer-bottom-links a:hover{color:var(--color-accent)}
.info-box{background:var(--color-primary-light);border-left:4px solid var(--color-primary);padding:var(--space-md) var(--space-lg);border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:var(--space-lg) 0}.info-box strong{color:var(--color-primary-dark)}
.glossary-item{padding:var(--space-md) 0;border-bottom:1px solid #E2E8F0}.glossary-item dt{font-family:var(--font-display);font-weight:700;color:var(--color-primary-dark);margin-bottom:var(--space-xs)}.glossary-item dd{color:var(--color-text-light);font-size:.95rem}
.breadcrumb{padding:var(--space-sm) 0;font-size:.85rem;color:var(--color-text-light)}.breadcrumb a{color:var(--color-accent)}.breadcrumb span{margin:0 .5rem}
.subpage-hero{background:var(--color-primary-light);padding:var(--space-2xl) 0}.subpage-hero h1{margin-bottom:var(--space-sm)}.subpage-hero p{color:var(--color-text-light);font-size:1.1rem}
.fade-in{opacity:0;transform:translateY(30px);transition:opacity .7s,transform .7s}.fade-in.visible{opacity:1;transform:none}
.fade-in-left{opacity:0;transform:translateX(-40px);transition:opacity .7s,transform .7s}.fade-in-left.visible{opacity:1;transform:none}
.fade-in-right{opacity:0;transform:translateX(40px);transition:opacity .7s,transform .7s}.fade-in-right.visible{opacity:1;transform:none}
.fade-in-scale{opacity:0;transform:scale(.9);transition:opacity .7s,transform .7s}.fade-in-scale.visible{opacity:1;transform:scale(1)}
.delay-1{transition-delay:.1s}.delay-2{transition-delay:.2s}.delay-3{transition-delay:.3s}.delay-4{transition-delay:.4s}
@media(max-width:1024px){.features-grid{grid-template-columns:1fr}.features-grid-3{grid-template-columns:repeat(2,1fr)}.icon-steps{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:768px){.nav-links{display:none}.nav-toggle{display:block}.nav-links.open{display:flex;flex-direction:column;position:absolute;top:70px;left:0;right:0;background:#FFF;box-shadow:var(--shadow-lg);padding:var(--space-md);z-index:999}.navbar .container{grid-template-columns:auto 1fr auto}.features-grid-3{grid-template-columns:1fr}.feature-with-image{grid-template-columns:1fr}.feature-with-image.reverse{direction:ltr}.faq-grid{grid-template-columns:1fr}.stats-bar{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;gap:var(--space-sm);text-align:center}.icon-steps{grid-template-columns:1fr 1fr}}