:root {
  --verde:        #1A6B5A;
  --verde-claro:  #E8F5F0;
  --crema:        #F5F0EB;
  --crema-oscuro: #EDE6DC;
  --borde:        #DDD8D0;
  --gris-texto:   #5C5B58;
  --texto:        #2D2D2B;
  --ambar:        #C8863A;
  --azul:         #0284C7;
  --azul-claro:   #E0F2FE;
}

/* Hero */
.fi-hero {
  background: linear-gradient(135deg, #0F4F8A 0%, #1565C0 50%, #1976D2 100%);
  color: white;
  padding: 56px 0 64px;
  position: relative;
  overflow: hidden;
}
.fi-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='20'/%3E%3C/g%3E%3C/svg%3E");
}
.fi-hero-inner { position: relative; display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
.fi-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.3);
  border-radius: 100px; padding: 5px 14px;
  font-size: 12px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase;
  margin-bottom: 18px;
}
.fi-hero h1 {
  font-family: 'Lora', serif;
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 700; line-height: 1.2; margin-bottom: 14px;
}
.fi-bajada { font-size: 1rem; opacity: .88; line-height: 1.6; max-width: 560px; }
.fi-hero-cards { display: flex; flex-direction: column; gap: 12px; flex-shrink: 0; }
.fi-hero-card {
  border-radius: 14px; padding: 18px 20px;
  min-width: 180px; border: 1px solid rgba(255,255,255,.2);
}
.fonasa-card { background: rgba(26,107,90,.4); }
.isapre-card { background: rgba(255,255,255,.1); }
.fi-hero-card-titulo { font-family: 'Lora', serif; font-size: 1.1rem; font-weight: 700; margin-bottom: 6px; }
.fi-hero-card-desc { font-size: .8rem; opacity: .85; line-height: 1.4; }

/* Layout */
.fi-layout {
  display: grid; grid-template-columns: 240px 1fr;
  gap: 48px; padding-top: 48px; padding-bottom: 80px; align-items: start;
}

/* Sidebar */
.fi-sidebar { position: sticky; top: 80px; display: flex; flex-direction: column; gap: 16px; }
.sidebar-card { background: white; border: 1px solid var(--borde); border-radius: 14px; padding: 20px; }
.sidebar-card-titulo { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--gris-texto); margin-bottom: 14px; }
.sidebar-toc { display: flex; flex-direction: column; gap: 2px; }
.toc-link { display: block; padding: 7px 10px; font-size: .84rem; color: var(--gris-texto); text-decoration: none; border-radius: 8px; border-left: 2px solid transparent; transition: all .15s; line-height: 1.4; }
.toc-link:hover { background: var(--crema); color: #1565C0; }
.toc-link.activo { background: var(--azul-claro); color: #1565C0; border-left-color: #1565C0; font-weight: 600; }
.sidebar-cta-azul { background: #1565C0; color: white; border-color: #1565C0; text-align: center; }
.sidebar-cta-icon { font-size: 1.6rem; margin-bottom: 8px; }
.sidebar-cta-titulo { font-family: 'Lora', serif; font-size: .93rem; font-weight: 700; margin-bottom: 6px; }
.sidebar-cta-azul p { font-size: .82rem; opacity: .88; margin-bottom: 14px; }
.sidebar-cta-btn { display: block; background: white; color: #1565C0; font-weight: 700; font-size: .88rem; padding: 9px 14px; border-radius: 10px; text-decoration: none; }
.sidebar-enlaces { display: flex; flex-direction: column; gap: 2px; }
.sidebar-enlace { display: flex; align-items: center; gap: 8px; padding: 8px 10px; font-size: .84rem; color: var(--gris-texto); text-decoration: none; border-radius: 8px; transition: all .15s; }
.sidebar-enlace:hover { background: var(--crema); color: var(--verde); }
.sidebar-enlace i { color: var(--verde); width: 14px; text-align: center; flex-shrink: 0; }

/* Contenido */
.fi-contenido { min-width: 0; }
.fi-contenido section { margin-bottom: 52px; }
.fi-contenido h2 { font-family: 'Lora', serif; font-size: 1.45rem; color: var(--texto); margin-bottom: 16px; padding-bottom: 12px; border-bottom: 2px solid var(--crema-oscuro); }
.fi-contenido h3 { font-family: 'Lora', serif; font-size: 1.1rem; color: var(--texto); margin: 24px 0 12px; }
.fi-contenido h4 { font-size: .93rem; font-weight: 700; color: var(--texto); margin-bottom: 5px; }
.fi-contenido p { font-size: .96rem; color: #3D3D3B; line-height: 1.75; margin-bottom: 14px; }
.fi-contenido a { color: #1565C0; text-decoration: underline; text-underline-offset: 3px; }
.fi-contenido ul { padding-left: 20px; margin-bottom: 14px; }
.fi-contenido li { font-size: .92rem; color: #3D3D3B; line-height: 1.7; margin-bottom: 5px; }

/* Destacados */
.fi-destacado {
  display: flex; gap: 14px;
  border-radius: 0 12px 12px 0;
  padding: 16px 20px; margin: 20px 0;
}
.fi-destacado i { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.fi-destacado strong { display: block; font-size: .92rem; color: var(--texto); margin-bottom: 5px; }
.fi-destacado p { font-size: .87rem; color: var(--gris-texto); margin: 0; line-height: 1.55; }
.fi-destacado.verde { background: var(--verde-claro); border-left: 3px solid var(--verde); }
.fi-destacado.verde i { color: var(--verde); }
.fi-destacado.ambar { background: #FFF8E1; border-left: 3px solid var(--ambar); }
.fi-destacado.ambar i { color: var(--ambar); }

/* Tabla comparativa */
.comparativa-tabla { border: 1px solid var(--borde); border-radius: 14px; overflow: hidden; margin: 20px 0; }
.comp-row { display: grid; grid-template-columns: 160px 1fr 1fr; border-bottom: 1px solid var(--crema-oscuro); }
.comp-row:last-child { border-bottom: none; }
.comp-header { background: #1565C0; color: white; font-weight: 700; font-size: .82rem; }
.comp-header .col-fonasa { color: #A5D6A7; }
.comp-header .col-isapre { color: #FFD54F; }
.comp-row > span { padding: 11px 16px; font-size: .87rem; border-right: 1px solid var(--crema-oscuro); }
.comp-row > span:last-child { border-right: none; }
.comp-label { font-weight: 600; color: var(--gris-texto); background: var(--crema); }
.fi-positivo { color: #2E7D32; }
.fi-positivo i { margin-right: 4px; }
.fi-negativo { color: #C62828; }
.fi-negativo i { margin-right: 4px; }

/* Tramos FONASA */
.tramos-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 10px; margin: 20px 0; }
.tramo-card { border-radius: 12px; padding: 16px; border: 1px solid var(--borde); display: flex; gap: 12px; align-items: flex-start; }
.tramo-letra { width: 36px; height: 36px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: 'Lora', serif; font-size: 1.1rem; font-weight: 700; color: white; flex-shrink: 0; }
.tramo-a { background: #F1F8E9; border-color: #C8E6C9; }
.tramo-b { background: #E8F5F0; border-color: #B2DFDB; }
.tramo-c { background: #FFF8E1; border-color: #FDE68A; }
.tramo-d { background: #FFF3E0; border-color: #FFCC80; }
.tramo-a .tramo-letra { background: #2E7D32; }
.tramo-b .tramo-letra { background: #1A6B5A; }
.tramo-c .tramo-letra { background: #F59E0B; }
.tramo-d .tramo-letra { background: #E07000; }
.tramo-info h4 { font-size: .88rem; font-weight: 700; color: var(--texto); margin-bottom: 4px; }
.tramo-info p { font-size: .8rem; color: var(--gris-texto); margin-bottom: 6px; line-height: 1.4; }
.tramo-copago { font-size: .78rem; font-weight: 700; color: #1565C0; }

/* Modalidades */
.modalidades-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 16px 0; }
.modalidad-card { background: white; border: 1px solid var(--borde); border-radius: 12px; padding: 20px; }
.modalidad-icono { font-size: 1.4rem; color: #1565C0; margin-bottom: 10px; }
.modalidad-card h4 { font-size: .93rem; font-weight: 700; color: var(--texto); margin-bottom: 6px; }
.modalidad-card p { font-size: .85rem; color: var(--gris-texto); margin-bottom: 10px; line-height: 1.5; }
.modalidad-tag { display: inline-block; background: var(--azul-claro); color: #1565C0; font-size: .75rem; font-weight: 700; padding: 3px 10px; border-radius: 100px; }

/* Riesgos ISAPRE */
.riesgos-lista { display: flex; flex-direction: column; gap: 12px; margin: 20px 0; }
.riesgo-item { display: flex; gap: 14px; background: white; border: 1px solid var(--borde); border-radius: 12px; padding: 18px; }
.riesgo-icono { font-size: 1.3rem; flex-shrink: 0; margin-top: 2px; }
.riesgo-icono.rojo { color: #C62828; }
.riesgo-icono.naranja { color: #E07000; }
.riesgo-icono.ambar { color: var(--ambar); }
.riesgo-item h4 { font-size: .92rem; font-weight: 700; color: var(--texto); margin-bottom: 5px; }
.riesgo-item p { font-size: .85rem; color: var(--gris-texto); margin: 0; line-height: 1.55; }

/* GES features */
.ges-features { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin: 16px 0; }
.ges-feature { background: var(--azul-claro); border-radius: 12px; padding: 16px; }
.ges-feature i { font-size: 1.3rem; color: #1565C0; display: block; margin-bottom: 8px; }
.ges-feature h4 { font-size: .88rem; font-weight: 700; color: var(--texto); margin-bottom: 5px; }
.ges-feature p { font-size: .82rem; color: var(--gris-texto); margin: 0; line-height: 1.45; }

.fi-link-mas {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .88rem; font-weight: 600; color: #1565C0;
  text-decoration: none; margin-top: 8px;
  padding: 8px 16px; background: var(--azul-claro); border-radius: 8px;
  transition: background .15s;
}
.fi-link-mas:hover { background: #BAE6FD; }

/* Decisión */
.decision-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 20px 0; }
.decision-card { border-radius: 14px; padding: 20px; }
.conviene { background: #F1F8E9; border: 1px solid #C8E6C9; }
.no-conviene { background: #FFF3E0; border: 1px solid #FFCC80; }
.decision-titulo { display: flex; align-items: center; gap: 8px; font-size: .9rem; font-weight: 700; color: var(--texto); margin-bottom: 12px; }
.conviene .decision-titulo i { color: #2E7D32; }
.no-conviene .decision-titulo i { color: #E07000; }
.decision-card ul { padding-left: 16px; margin: 0; }
.decision-card li { font-size: .84rem; color: var(--gris-texto); line-height: 1.55; margin-bottom: 6px; }

/* Cluster */
.cluster-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 20px 0; }
.cluster-card { background: white; border: 1px solid var(--borde); border-radius: 14px; padding: 18px; text-decoration: none; display: flex; flex-direction: column; gap: 10px; transition: all .15s; }
.cluster-card:hover { border-color: #1565C0; box-shadow: 0 4px 20px rgba(0,0,0,.08); transform: translateY(-2px); }
.cluster-head { display: flex; align-items: center; gap: 12px; }
.cluster-icono { width: 42px; height: 42px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0; }
.cluster-num { font-size: .72rem; font-weight: 700; color: var(--gris-texto); text-transform: uppercase; letter-spacing: .08em; display: block; }
.cluster-card h3 { font-family: 'Lora', serif; font-size: .97rem; font-weight: 700; color: var(--texto); margin: 0; }
.cluster-card p { font-size: .84rem; color: var(--gris-texto); margin: 0; line-height: 1.5; flex: 1; }
.cluster-cta { font-size: .82rem; font-weight: 600; color: #1565C0; display: flex; align-items: center; gap: 6px; }
.cluster-card:hover .cluster-cta i { transform: translateX(3px); }
.cluster-cta i { transition: transform .15s; }

/* CTA final */
.fi-cta-final { background: linear-gradient(135deg, #0F4F8A 0%, #1565C0 100%); border-radius: 20px; padding: 36px 32px; color: white; text-align: center; margin: 48px 0 40px; }
.fi-cta-final h3 { font-family: 'Lora', serif; font-size: 1.3rem; margin-bottom: 10px; }
.fi-cta-final p { font-size: .93rem; opacity: .88; margin-bottom: 24px; }
.fi-cta-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.fi-btn-primario { background: white; color: #1565C0; font-weight: 700; font-size: .93rem; padding: 12px 22px; border-radius: 10px; text-decoration: none; display: inline-flex; align-items: center; gap: 7px; transition: opacity .15s; }
.fi-btn-primario:hover { opacity: .9; }
.fi-btn-secundario { background: rgba(255,255,255,.15); color: white; border: 1px solid rgba(255,255,255,.3); font-weight: 600; font-size: .88rem; padding: 12px 20px; border-radius: 10px; text-decoration: none; transition: background .15s; }
.fi-btn-secundario:hover { background: rgba(255,255,255,.25); }

/* Relacionados */
.fi-relacionados h3 { font-family: 'Lora', serif; font-size: 1.1rem; margin-bottom: 14px; }
.rel-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.rel-card { display: flex; flex-direction: column; gap: 5px; background: white; border: 1px solid var(--borde); border-radius: 12px; padding: 14px 16px; text-decoration: none; transition: all .15s; }
.rel-card:hover { border-color: #1565C0; background: var(--azul-claro); }
.rel-cat { font-size: .73rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: #1565C0; }
.rel-titulo { font-size: .86rem; font-weight: 600; color: var(--texto); line-height: 1.4; }

/* Responsive */
@media (max-width: 1000px) {
  .tramos-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .fi-layout { grid-template-columns: 1fr; }
  .fi-sidebar { position: static; flex-direction: row; flex-wrap: wrap; }
  .sidebar-card { flex: 1; min-width: 220px; }
  .fi-hero-inner { grid-template-columns: 1fr; }
  .fi-hero-cards { flex-direction: row; }
  .fi-hero-card { flex: 1; }
  .modalidades-grid { grid-template-columns: 1fr; }
  .ges-features { grid-template-columns: 1fr; }
  .decision-grid { grid-template-columns: 1fr; }
  .cluster-grid { grid-template-columns: 1fr; }
  .rel-grid { grid-template-columns: 1fr 1fr; }
  .comparativa-tabla { overflow-x: auto; }
  .comp-row { min-width: 500px; }
}
@media (max-width: 560px) {
  .fi-hero { padding: 40px 0 48px; }
  .fi-cta-final { padding: 28px 20px; }
  .fi-cta-btns { flex-direction: column; }
  .fi-hero-cards { flex-direction: column; }
  .tramos-grid { grid-template-columns: 1fr; }
  .rel-grid { grid-template-columns: 1fr; }
}