/* Polices locales (Google Fonts auto-hébergées) */
@font-face { font-family: "Fraunces"; font-style: normal; font-weight: 300 600; font-display: swap; src: url("../fonts/fraunces.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 400 600; font-display: swap; src: url("../fonts/inter.woff2") format("woff2"); }

/* Via Conseil Assurances - feuille de style (mobile-first) */
:root {
  --navy: #07143a;
  --navy-2: #0f2468;
  --navy-3: #1d3b9b;
  --gold: #fb6b4a;
  --gold-dark: #b5361a;
  --ink: #101828;
  --muted: #4b5565;
  --line: #e3e7f0;
  --soft: #f4f6fb;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 18px 40px -22px rgba(13, 27, 76, 0.35);
  --font-title: "Fraunces", Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-3); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--navy); padding: 10px 16px; border-radius: 8px; z-index: 200; font-weight: 600; }
.skip-link:focus { left: 8px; }

h1, h2, h3 { font-family: var(--font-title); font-weight: 400; line-height: 1.15; color: var(--navy); margin: 0 0 0.6em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.1rem, 6vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 4vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
ul { padding-left: 1.2em; }

.container { width: min(1160px, 100% - 40px); margin-inline: auto; }
.section { padding: clamp(56px, 8vw, 104px) 0; }
.section--soft { background: var(--soft); }
.section--dark { background: var(--navy); color: #dfe5f7; }
.section--dark h2, .section--dark h3 { color: var(--white); }
.eyebrow { display: inline-block; font-size: 0.8rem; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 600; color: var(--gold-dark); margin-bottom: 14px; }
.section--dark .eyebrow, .hero .eyebrow { color: var(--gold); }
.section-head { max-width: 720px; margin-bottom: 44px; }
.section-head p { color: var(--muted); font-size: 1.1rem; }
.section--dark .section-head p { color: #b9c4e6; }

/* Boutons */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 14px 24px; border-radius: 999px; font-weight: 600; font-size: 1rem; text-decoration: none; border: 2px solid transparent; transition: transform 0.2s, background 0.2s, color 0.2s, box-shadow 0.2s; cursor: pointer; font-family: inherit; line-height: 1.2; }
.btn svg { width: 20px; height: 20px; flex: none; }
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: #ff8566; color: var(--navy); transform: translateY(-2px); box-shadow: 0 12px 24px -12px rgba(251, 107, 74, 0.7); }
.btn--ghost { border-color: rgba(255, 255, 255, 0.4); color: var(--white); }
.btn--ghost:hover { background: rgba(255, 255, 255, 0.1); color: var(--white); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-3); color: var(--white); transform: translateY(-2px); }
.btn--sm { padding: 10px 18px; font-size: 0.95rem; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255, 255, 255, 0.94); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: var(--header-h); gap: 16px; }
.brand img { height: 52px; width: auto; }
.nav-toggle { display: inline-flex; flex-direction: column; justify-content: center; gap: 5px; width: 46px; height: 46px; padding: 12px; background: none; border: 1px solid var(--line); border-radius: 12px; cursor: pointer; }
.nav-toggle span { display: block; height: 2px; background: var(--navy); border-radius: 2px; transition: transform 0.25s, opacity 0.25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.main-nav { position: absolute; inset: var(--header-h) 0 auto 0; background: var(--white); border-bottom: 1px solid var(--line); padding: 8px 20px 24px; display: none; max-height: calc(100vh - var(--header-h)); overflow-y: auto; }
.main-nav.is-open { display: block; }
.main-nav ul { list-style: none; margin: 0; padding: 0; }
.main-nav a { color: var(--navy); text-decoration: none; font-weight: 500; display: block; padding: 12px 0; }
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--gold-dark); }
.nav-group-title { display: block; padding: 12px 0 4px; font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.nav-sub { padding-left: 12px; border-left: 2px solid var(--line); margin-bottom: 8px; }
.nav-sub a { padding: 7px 0; font-size: 0.97rem; font-weight: 400; }
.nav-cta { margin-top: 16px; }
.nav-cta .btn { width: 100%; justify-content: center; }
.has-sub > button { display: none; }

/* Hero */
.hero { position: relative; overflow: hidden; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 130%); color: #dfe5f7; padding: clamp(64px, 10vw, 128px) 0 clamp(64px, 9vw, 112px); }
.hero::after { content: ""; position: absolute; right: -8%; bottom: -30%; width: min(640px, 80vw); aspect-ratio: 1; border-radius: 50%; border: 1px solid rgba(251, 107, 74, 0.35); box-shadow: 0 0 0 60px rgba(251, 107, 74, 0.05), 0 0 0 130px rgba(251, 107, 74, 0.03); pointer-events: none; }
.hero .container { position: relative; z-index: 1; }
.hero h1 { color: var(--white); max-width: 18ch; }
.hero h1 em { font-style: italic; color: var(--gold); }
.hero--page h1 { max-width: 24ch; font-size: clamp(2rem, 5vw, 3.1rem); }
.hero .lead { font-size: clamp(1.1rem, 2.4vw, 1.3rem); max-width: 56ch; color: #c8d2f0; margin-bottom: 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.hero-note { margin-top: 22px; font-size: 0.95rem; color: #9fadd6; }
.breadcrumb { font-size: 0.9rem; margin-bottom: 22px; color: #9fadd6; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; padding: 0; margin: 0; }
.breadcrumb li + li::before { content: "/"; margin-right: 8px; opacity: 0.6; }
.breadcrumb a { color: #c8d2f0; }

/* Chiffres clés */
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; margin-top: -48px; position: relative; z-index: 2; box-shadow: var(--shadow); }
.stat { background: var(--white); padding: 26px 18px; text-align: center; }
.stat strong { display: block; font-family: var(--font-title); font-size: clamp(2rem, 5vw, 2.8rem); color: var(--navy); line-height: 1; }
.stat span { font-size: 0.95rem; color: var(--muted); }

/* Cartes */
.grid { display: grid; gap: 22px; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s; text-decoration: none; color: inherit; display: block; }
a.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold); }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); margin: 0; font-size: 1rem; }
.card .more { display: inline-block; margin-top: 14px; font-weight: 600; color: var(--navy-3); font-size: 0.95rem; }
.icon-badge { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 14px; background: var(--navy); color: var(--gold); margin-bottom: 18px; }
.icon-badge svg { width: 26px; height: 26px; }
.group + .group { margin-top: 48px; }
.group > h3 { font-size: 1.1rem; font-family: var(--font-body); font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold-dark); display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.group > h3::after { content: ""; flex: 1; height: 1px; background: var(--line); }

/* Réponse directe, colonnes, étapes */
.answer { background: var(--soft); border-left: 4px solid var(--gold); border-radius: 0 var(--radius) var(--radius) 0; padding: 24px 28px; font-size: 1.1rem; }
.answer p:last-child { margin: 0; }
.split { display: grid; gap: 40px; align-items: center; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; max-width: 420px; }
.checklist { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 14px; }
.checklist li { position: relative; padding-left: 36px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 4px; width: 22px; height: 22px; border-radius: 50%; background: var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fb6b4a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat; }
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 22px; }
.steps li { counter-increment: step; position: relative; padding: 24px 24px 24px 84px; background: rgba(255, 255, 255, 0.06); border: 1px solid rgba(255, 255, 255, 0.12); border-radius: var(--radius); }
.steps li::before { content: counter(step, decimal-leading-zero); position: absolute; left: 24px; top: 20px; font-family: var(--font-title); font-size: 2.2rem; color: var(--gold); line-height: 1; }
.steps h3 { margin-bottom: 6px; font-size: 1.15rem; }
.steps p { margin: 0; color: #b9c4e6; }
.cover-list { display: grid; gap: 18px; padding: 0; list-style: none; margin: 0; }
.cover-list li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; }
.cover-list strong { display: block; font-family: var(--font-title); font-size: 1.15rem; color: var(--navy); margin-bottom: 4px; }
.cover-list span { color: var(--muted); }

/* Partenaires */
.partners { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; list-style: none; padding: 0; margin: 0; }
.partners li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); display: grid; place-items: center; padding: 18px; min-height: 96px; }
.partners img { max-height: 60px; width: auto; filter: grayscale(1); opacity: 0.8; transition: filter 0.25s, opacity 0.25s; }
.partners li:hover img { filter: none; opacity: 1; }

/* FAQ */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.faq summary { cursor: pointer; padding: 20px 56px 20px 24px; font-weight: 600; color: var(--navy); list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.6rem; color: var(--gold-dark); transition: transform 0.25s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 24px 22px; margin: 0; color: var(--muted); }

/* Bandeau appel */
.cta-band { background: linear-gradient(120deg, var(--navy) 0%, var(--navy-3) 100%); color: #dfe5f7; border-radius: 22px; padding: clamp(32px, 6vw, 60px); display: grid; gap: 24px; align-items: center; }
.cta-band h2 { color: var(--white); margin-bottom: 8px; }
.cta-band p { margin: 0; color: #c8d2f0; }
.cta-band .btn { justify-self: start; font-size: 1.1rem; }

/* Contact */
.contact-grid { display: grid; gap: 32px; }
.contact-card { background: var(--soft); border-radius: var(--radius); padding: 28px; }
.contact-card dl { margin: 0; }
.contact-card dt { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--gold-dark); font-weight: 600; margin-top: 18px; }
.contact-card dt:first-child { margin-top: 0; }
.contact-card dd { margin: 4px 0 0; font-size: 1.1rem; }
.form { display: grid; gap: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.95rem; color: var(--navy); }
.field input, .field textarea { width: 100%; font: inherit; padding: 14px 16px; border: 1px solid #c5ccdb; border-radius: 10px; background: var(--white); color: var(--ink); }
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field textarea:focus { outline: 3px solid rgba(251, 107, 74, 0.6); border-color: var(--navy); }
.form-confirm { display: none; background: #e8f5ec; border: 1px solid #9ad2ac; color: #14532d; padding: 16px 20px; border-radius: 10px; }
.form-confirm.is-visible { display: block; }
.hint { font-size: 0.9rem; color: var(--muted); }

/* Texte légal */
.legal { max-width: 820px; }
.legal h2 { font-size: 1.5rem; margin-top: 2em; }
.legal h3 { font-size: 1.15rem; margin-top: 1.5em; }

/* Footer */
.site-footer { background: #091134; color: #aeb9de; padding: 64px 0 28px; font-size: 0.97rem; }
.site-footer h2 { font-family: var(--font-body); font-size: 0.8rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.site-footer a { color: #dfe5f7; text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: underline; }
.footer-grid { display: grid; gap: 36px; }
.footer-brand { font-family: var(--font-title); font-size: 1.6rem; color: var(--white); margin-bottom: 10px; }
.footer-brand small { display: block; font-family: var(--font-body); font-size: 0.85rem; color: #8e9bc7; }
.footer-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-bottom { margin-top: 44px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, 0.12); display: flex; flex-wrap: wrap; gap: 10px 24px; justify-content: space-between; font-size: 0.88rem; color: #8e9bc7; }
.footer-bottom ul { display: flex; gap: 20px; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }

/* Animations d'apparition */
.js .reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; transition-delay: var(--d, 0s); }
.js .reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
  * { animation: none !important; }
}

/* Tablette */
@media (min-width: 640px) {
  .stats { grid-template-columns: repeat(4, 1fr); }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .partners { grid-template-columns: repeat(4, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .cover-list { grid-template-columns: repeat(2, 1fr); }
}

/* Desktop */
@media (min-width: 980px) {
  .nav-toggle { display: none; }
  .main-nav { position: static; display: block; border: 0; padding: 0; max-height: none; overflow: visible; background: none; }
  .main-nav > ul { display: flex; align-items: center; gap: 6px; }
  .main-nav > ul > li > a { padding: 10px 14px; }
  .nav-cta { margin: 0 0 0 10px; }
  .nav-cta .btn { width: auto; }
  .has-sub { position: relative; }
  .has-sub > a::after { content: ""; display: inline-block; width: 7px; height: 7px; margin-left: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-3px) rotate(45deg); }
  .mega { position: absolute; left: 50%; top: 100%; transform: translate(-50%, 8px); width: min(880px, 92vw); background: var(--white); border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); padding: 28px 32px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; opacity: 0; visibility: hidden; transition: opacity 0.2s, transform 0.2s, visibility 0.2s; }
  .has-sub:hover .mega, .has-sub:focus-within .mega { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
  .mega .nav-sub { border: 0; padding: 0; margin: 0; }
  .mega .nav-sub a { font-size: 0.93rem; padding: 6px 0; }
  .nav-group-title { padding-top: 0; }
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
  .split { grid-template-columns: 1.2fr 0.8fr; gap: 72px; }
  .split--rev { grid-template-columns: 0.8fr 1.2fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .cta-band { grid-template-columns: 1fr auto; }
  .contact-grid { grid-template-columns: 0.9fr 1.1fr; gap: 48px; }
  .partners { grid-template-columns: repeat(8, 1fr); }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
  .cover-list { grid-template-columns: repeat(2, 1fr); }
}

.main-nav a.btn { display: inline-flex; padding: 10px 18px; color: var(--navy); }
.main-nav a.btn:hover { color: var(--navy); }
.brand img { height: 56px; }


/* ===== Version 2 : barre haute, hero géométrique, panneau de besoins ===== */
.topbar { background: var(--navy); color: #c9d3f2; font-size: 0.85rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 16px; }
.topbar p { margin: 0; }
.topbar a { color: #fff; text-decoration: none; margin-left: 20px; }
.topbar a:hover { color: var(--gold); }
.topbar .container > p:last-child a:first-child { display: none; }
@media (min-width: 640px) { .topbar .container > p:last-child a:first-child { display: inline; } }
@media (max-width: 639px) { .topbar .container > p:first-child { display: none; } .topbar .container { justify-content: flex-end; } }

h1 .accent, h2 .accent { color: var(--gold); font-weight: 600; }
h2 .accent-text { color: var(--gold-dark); font-weight: 600; }
.section--dark h2 .accent { color: var(--gold); }

.hero { overflow: hidden; }
.hero::after { display: none; }
.hero--home { padding: clamp(72px, 10vw, 140px) 0 clamp(120px, 14vw, 200px); }
.hero--home h1 { font-size: clamp(2.6rem, 7vw, 5.2rem); font-weight: 300; max-width: 14ch; line-height: 1.05; }
.hero--home .lead { max-width: 52ch; }
.hero-shape { position: absolute; inset: 0; pointer-events: none; background:
  linear-gradient(115deg, transparent 62%, rgba(251, 107, 74, 0.95) 62.2%, rgba(251, 107, 74, 0.95) 71%, transparent 71.2%),
  linear-gradient(115deg, transparent 72%, rgba(255, 255, 255, 0.07) 72.2%, rgba(255, 255, 255, 0.07) 100%); }
.hero-shape::before { content: ""; position: absolute; inset: auto -10% -40% auto; width: 60vw; max-width: 760px; aspect-ratio: 1; border-radius: 50%; border: 1px solid rgba(255, 255, 255, 0.14); }
@media (max-width: 720px) { .hero-shape { background: linear-gradient(115deg, transparent 82%, rgba(251, 107, 74, 0.95) 82.2%); } }
.hero--page { padding: clamp(44px, 6vw, 80px) 0 clamp(52px, 7vw, 96px); position: relative; }
.hero--page::before { content: ""; position: absolute; right: 0; top: 0; bottom: 0; width: 22%; background: linear-gradient(115deg, transparent 40%, rgba(251, 107, 74, 0.95) 40.3%, rgba(251, 107, 74, 0.95) 56%, transparent 56.3%); pointer-events: none; }
.hero--page .container { position: relative; z-index: 1; }

.btn { border-radius: 999px; }
.btn--gold { color: var(--navy); }
.btn--ghost { border-color: rgba(255, 255, 255, 0.5); }

.needs-wrap { position: relative; z-index: 3; margin-top: clamp(-120px, -9vw, -64px); }
.needs { background: var(--white); border-radius: 28px; padding: clamp(24px, 4vw, 48px); box-shadow: 0 30px 70px -30px rgba(7, 20, 58, 0.45); }
.needs h2 { font-size: clamp(1.6rem, 3.2vw, 2.2rem); margin-bottom: 24px; }
.needs-grid { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; grid-template-columns: 1fr; }
.need { display: flex; align-items: center; gap: 16px; padding: 18px 20px; border: 1px solid var(--line); border-radius: 16px; background: var(--soft); color: var(--navy); font-weight: 500; text-decoration: none; transition: background 0.2s, border-color 0.2s, transform 0.2s; }
.need span { flex: 1; }
.need svg { width: 26px; height: 26px; flex: none; color: var(--navy-3); }
.need svg:last-child { color: var(--gold-dark); width: 22px; height: 22px; transition: transform 0.2s; }
.need:hover { background: var(--white); border-color: var(--gold); transform: translateY(-2px); }
.need:hover svg:last-child { transform: translateX(4px); }
.needs-more { margin: 22px 0 0; font-weight: 600; }
.needs-more a { color: var(--navy); text-decoration-color: var(--gold); text-decoration-thickness: 2px; }
@media (min-width: 640px) { .needs-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .needs-grid { grid-template-columns: repeat(3, 1fr); } }

.kpis { list-style: none; margin: 0; padding: 0; display: grid; gap: 28px; grid-template-columns: repeat(2, 1fr); }
.kpi { display: flex; align-items: center; gap: 16px; }
.kpi .icon-badge { margin: 0; flex: none; background: var(--soft); color: var(--gold-dark); }
.kpi strong { display: block; font-family: var(--font-title); font-weight: 400; font-size: clamp(2rem, 4vw, 3rem); color: var(--navy); line-height: 1; }
.kpi div > span { color: var(--muted); font-size: 0.95rem; }
@media (min-width: 980px) { .kpis { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 480px) { .kpi { flex-direction: column; align-items: flex-start; } }

.photo-frame { margin: 0; position: relative; }
.photo-frame::before { content: ""; position: absolute; inset: 20px -20px -20px 20px; border-radius: var(--radius); background: var(--gold); z-index: 0; }
.photo-frame img { position: relative; z-index: 1; border-radius: var(--radius); width: 100%; max-width: 420px; }

.section--dark { background: linear-gradient(170deg, var(--navy) 0%, var(--navy-2) 140%); position: relative; overflow: hidden; }
.section--dark::before { content: ""; position: absolute; right: -12%; top: -30%; width: 640px; aspect-ratio: 1; border-radius: 50%; border: 1px solid rgba(255, 255, 255, 0.1); pointer-events: none; }
.section--dark .container { position: relative; }
.section--dark .group > h3 { color: #ffb3a1; }
.section--dark .group > h3::after { background: rgba(255, 255, 255, 0.15); }
.section--dark .card { border-color: transparent; }
.section--dark .card h3 { color: var(--navy); }
.section--dark .card .more { color: var(--gold-dark); }
.section--dark a.card:hover { border-color: var(--gold); }

.steps--light { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 22px; }
.steps--light li { counter-increment: step; position: relative; padding: 28px 24px 24px; border-top: 3px solid var(--navy); background: var(--white); }
.steps--light li::before { content: counter(step, decimal-leading-zero); display: block; font-family: var(--font-title); font-size: 2.6rem; font-weight: 300; color: var(--gold-dark); line-height: 1; margin-bottom: 14px; }
.steps--light p { margin: 0; color: var(--muted); }
@media (min-width: 980px) { .steps--light { grid-template-columns: repeat(4, 1fr); } }

.icon-badge { background: var(--navy); color: var(--gold); border-radius: 50%; }
.card { border-radius: 20px; }
.cta-band { background: linear-gradient(115deg, var(--navy) 0%, var(--navy-2) 100%); position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: 0; top: 0; bottom: 0; width: 22%; background: linear-gradient(115deg, transparent 40%, rgba(251, 107, 74, 0.95) 40.3%, rgba(251, 107, 74, 0.95) 58%, transparent 58.3%); pointer-events: none; }
.cta-band > * { position: relative; z-index: 1; }
.site-footer { background: var(--navy); }
.site-footer h2 { color: var(--gold); }
.footer-brand small { color: #9fb0e0; }
.eyebrow { display: none; }
.brand img { height: 60px; }


/* ===== Thème Sites : en-tête fixe (le component ne doit pas limiter le sticky) ===== */
:root { --topbar-h: 38px; }
body { padding-top: calc(var(--topbar-h) + var(--header-h)); }
html { scroll-padding-top: calc(var(--topbar-h) + var(--header-h) + 16px); }
.header-wrap { position: fixed; top: 0; left: 0; right: 0; z-index: 100; }
.site-header { position: relative; top: auto; }
.rich > :last-child { margin-bottom: 0; }
.rich a { color: var(--navy-3); }
.legal h1 { font-size: clamp(2rem, 5vw, 3rem); }
.breadcrumb--dark { color: var(--muted); }
.breadcrumb--dark a { color: var(--navy-3); }
.skip-link { z-index: 300; }

/* ===== Blocks communs (common.*) ===== */
.block-title { margin-bottom: 1.5rem; }
.block-title-heading { margin: 0 0 .5rem; font-size: 2rem; }
.block-title-subtitle { color: var(--muted); margin: 0 0 1.5rem; }
.block-title[data-align="center"] { text-align: center; }
.block-title[data-align="right"] { text-align: right; }
.block-text { line-height: 1.65; }
.block-text[data-align="center"] { text-align: center; }
.block-image { margin: 0 0 1.5rem; }
.block-image-media { width: 100%; height: auto; display: block; border-radius: var(--radius); }
.block-image-caption { font-size: .85rem; color: var(--muted); margin-top: .5rem; }
.block-form-wrap { max-width: 640px; }
.block-form { display: grid; gap: 16px; }
.block-form-field { margin-bottom: 1rem; }
.block-form-label { display: block; margin-bottom: .25rem; font-weight: 600; color: var(--navy); }
.block-form-input { width: 100%; padding: 14px 16px; border: 1px solid #c5ccdb; border-radius: 10px; font: inherit; background: var(--white); }
.block-form-input:focus { outline: 3px solid rgba(251, 107, 74, 0.5); border-color: var(--navy); }
.block-form-checkbox { width: 18px; height: 18px; accent-color: var(--navy); }
.block-form-submit { padding: 14px 28px; border: 0; border-radius: 999px; background: var(--navy); color: var(--white); font-weight: 600; cursor: pointer; font-family: inherit; }
.form-message-success, .form-message-error { display: none; padding: 16px 20px; border-radius: 10px; }
.form-message-success { background: #e8f5ec; border: 1px solid #9ad2ac; color: #14532d; }
.form-message-error { background: #fdecea; border: 1px solid #f0a8a0; color: #7a1d12; }
.form-message-success p, .form-message-error p { margin: 0; }
.answer + .rich { margin-top: 24px; }


/* ===== Sous-menu des assurances : plus d'espace (desktop) et accordéon (mobile) ===== */
.nav-group-title { display: block; width: 100%; background: none; border: 0; text-align: left; font: inherit; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); padding: 14px 0; cursor: pointer; position: relative; }
.nav-group-title::after { content: ""; position: absolute; right: 4px; top: 50%; width: 8px; height: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-70%) rotate(45deg); transition: transform 0.2s; }
.nav-group.is-open > .nav-group-title::after { transform: translateY(-30%) rotate(-135deg); }
.nav-group.is-open > .nav-group-title { color: var(--gold-dark); }
.has-sub > .sub-toggle { display: block; position: absolute; right: 0; top: 0; width: 48px; height: 48px; background: none; border: 0; cursor: pointer; }
.sub-toggle::after { content: ""; position: absolute; left: 50%; top: 50%; width: 9px; height: 9px; border-right: 2px solid var(--navy); border-bottom: 2px solid var(--navy); transform: translate(-50%, -70%) rotate(45deg); transition: transform 0.2s; }
.has-sub.is-open > .sub-toggle::after { transform: translate(-50%, -30%) rotate(-135deg); }
.has-sub { position: relative; }
.has-sub > a { padding-right: 56px; }

@media (max-width: 979px) {
  .main-nav .mega { display: none; margin: 0 0 8px; padding: 0 0 0 12px; border-left: 2px solid var(--line); }
  .main-nav .has-sub.is-open > .mega { display: block; }
  .nav-group { border-bottom: 1px solid var(--line); }
  .nav-group:last-child { border-bottom: 0; }
  .nav-sub { display: none; border: 0; padding: 0 0 12px 8px; margin: 0; }
  .nav-group.is-open > .nav-sub { display: block; }
  .nav-sub a { padding: 10px 0; font-size: 1rem; }
}

@media (min-width: 980px) {
  .has-sub > .sub-toggle { display: none; }
  .has-sub > a { padding-right: 14px; }
  .main-nav, .has-sub { position: static; }
  .nav-group-title { pointer-events: none; cursor: default; padding: 0 0 14px; margin-bottom: 14px; border-bottom: 1px solid var(--line); color: var(--gold-dark); }
  .nav-group-title::after { display: none; }
  .main-nav .mega { width: min(1160px, calc(100vw - 40px)); padding: 36px 40px 32px; gap: 40px; grid-template-columns: repeat(4, minmax(0, 1fr)); top: calc(100% + 8px); border-radius: 20px; box-shadow: 0 30px 70px -30px rgba(7, 20, 58, 0.5); }
  .mega::before { content: ""; position: absolute; left: 0; right: 0; top: -16px; height: 16px; }
  .mega > li { min-width: 0; }
  .mega .nav-sub { display: grid; gap: 4px; }
  .mega .nav-sub a { font-size: 0.97rem; line-height: 1.35; padding: 8px 10px; margin: 0 -10px; border-radius: 8px; transition: background 0.15s, color 0.15s; }
  .mega .nav-sub a:hover, .mega .nav-sub a[aria-current="page"] { background: var(--soft); color: var(--gold-dark); }
}