:root{
  --paper:#F1F5F4;
  --surface:#FFFFFF;
  --ink:#132A2E;
  --muted:#56696C;
  --petrol:#366871;
  --petrol-deep:#1D4A52;
  --petrol-soft:#E3EEEC;
  --saffron:#F0B23E;
  --saffron-soft:#FDF1D8;
  --line:#D8E3E1;
  --danger:#B3402E;
  --radius-l:22px;
  --radius-m:14px;
  --radius-s:10px;
  --display:'Bricolage Grotesque',system-ui,sans-serif;
  --body:'Figtree',system-ui,sans-serif;
  --shadow:0 1px 0 rgba(19,42,46,.04),0 10px 30px -18px rgba(19,42,46,.35);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.55 var(--body);-webkit-font-smoothing:antialiased}
a{color:inherit}
img,svg{display:block}
button,input,select{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--saffron);outline-offset:2px;border-radius:6px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- header ---------- */
.top{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.top .wrap{display:flex;align-items:center;gap:24px;height:76px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{width:38px;height:38px}
.logo-text{font:700 21px/1 var(--display);letter-spacing:-.02em;color:var(--petrol-deep)}
.logo-text span{font-weight:500;color:var(--petrol)}
.top nav{display:flex;gap:26px;margin-left:24px}
.top nav a{text-decoration:none;font-weight:600;font-size:15.5px;color:var(--ink)}
.top nav a:hover{color:var(--petrol)}
.top-actions{margin-left:auto;display:flex;align-items:center;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;cursor:pointer;text-decoration:none;font-weight:700;border-radius:999px;transition:background .15s,transform .15s}
.btn-primary{background:var(--petrol-deep);color:#fff;padding:13px 24px;font-size:16px}
.btn-primary:hover{background:var(--petrol)}
.btn-ghost{background:transparent;color:var(--petrol-deep);padding:11px 18px;border:1.5px solid var(--line);font-size:15.5px}
.btn-ghost:hover{border-color:var(--petrol)}
.btn svg{width:18px;height:18px}

/* ---------- hero ---------- */
.hero{padding:56px 0 64px}
.hero h1{font:700 clamp(34px,4.6vw,58px)/1.02 var(--display);letter-spacing:-.035em;margin:0 0 14px;max-width:16ch}
.hero .lede{font-size:19px;color:var(--muted);margin:0 0 38px;max-width:52ch}
.board{display:grid;grid-template-columns:repeat(3,1fr) 1.15fr;gap:16px}
.tile{position:relative;background:var(--surface);border-radius:var(--radius-m);padding:22px 22px 20px;text-decoration:none;display:flex;flex-direction:column;justify-content:space-between;min-height:176px;border:1px solid transparent;box-shadow:var(--shadow);transition:border-color .15s,transform .15s}
.tile:hover{border-color:var(--petrol);transform:translateY(-2px)}
.tile .ico{width:62px;height:62px}
.tile h3{font:650 20px/1.15 var(--display);letter-spacing:-.015em;margin:18px 0 0}
.tile p{margin:6px 0 0;font-size:14.5px;color:var(--muted);line-height:1.4}
.tile .who{position:absolute;top:18px;right:18px;font-size:12.5px;font-weight:600;color:var(--petrol);background:var(--petrol-soft);padding:4px 10px;border-radius:999px}
.tile.wide{grid-column:span 2;flex-direction:row;align-items:center;gap:24px}
.tile.wide .ico{width:96px;height:96px;flex:none}
.tile.wide h3{font-size:26px;margin:0}
.tile.wide .fig{margin-left:auto;text-align:right}
.tile.wide .fig b{display:block;font:700 30px/1 var(--display);color:var(--petrol-deep)}
.tile.wide .fig small{font-size:13.5px;color:var(--muted)}

.bundle{grid-row:span 3;grid-column:4;background:var(--petrol-deep);color:#fff;border-radius:var(--radius-l);padding:30px 28px;display:flex;flex-direction:column;position:relative;overflow:hidden}
.bundle h2{font:700 30px/1.05 var(--display);letter-spacing:-.025em;margin:0 0 12px;position:relative}
.bundle p{margin:0 0 22px;color:#CFE2DF;font-size:16px;position:relative}
.stack{position:relative;margin:4px 0 26px;height:150px}
.stack div{position:absolute;left:0;right:0;height:52px;border-radius:12px;display:flex;align-items:center;gap:12px;padding:0 16px;font-weight:600;font-size:15px}
.stack div:nth-child(1){top:0;background:#2B5E66;color:#D8ECE8;transform:scale(.88);transform-origin:top}
.stack div:nth-child(2){top:34px;background:#3B727B;color:#EAF5F3;transform:scale(.94);transform-origin:top}
.stack div:nth-child(3){top:72px;background:var(--saffron);color:var(--ink);box-shadow:0 14px 30px -12px rgba(0,0,0,.45)}
.stack i{width:10px;height:10px;border-radius:50%;background:currentColor;opacity:.6}
.bundle ul{list-style:none;margin:0 0 26px;padding:0;position:relative}
.bundle li{display:flex;gap:10px;align-items:flex-start;padding:7px 0;font-size:15.5px;color:#E6F1EF}
.bundle li svg{flex:none;width:20px;height:20px;margin-top:2px;color:var(--saffron)}
.bundle .btn{margin-top:auto;background:var(--saffron);color:var(--ink);padding:14px 22px;position:relative}
.bundle .btn:hover{background:#F6C565}

/* ---------- bandes ---------- */
.proof{background:var(--surface);border-block:1px solid var(--line)}
.proof .wrap{display:flex;justify-content:space-between;gap:24px;padding-block:26px;flex-wrap:wrap}
.proof div{display:flex;align-items:center;gap:12px;font-size:15.5px;color:var(--muted)}
.proof b{font:700 24px/1 var(--display);color:var(--ink)}
.section{padding:84px 0}
.section h2{font:700 clamp(28px,3.2vw,40px)/1.08 var(--display);letter-spacing:-.03em;margin:0 0 14px;max-width:22ch}
.section .sub{color:var(--muted);margin:0 0 40px;max-width:58ch}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.steps li{list-style:none;counter-increment:s;padding-top:20px;border-top:2px solid var(--ink)}
.steps li::before{content:counter(s);font:700 15px/1 var(--display);display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--saffron);margin-bottom:16px}
.steps h3{font:650 21px/1.2 var(--display);margin:0 0 8px}
.steps p{margin:0;color:var(--muted);font-size:16px}
.steps ol{padding:0;margin:0}
.why{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.why dl{margin:0}
.why dt{font:650 19px/1.25 var(--display);margin:0 0 6px}
.why dd{margin:0 0 26px;color:var(--muted)}
.insurers{background:var(--petrol-soft);border-radius:var(--radius-l);padding:30px}
.insurers p{margin:0 0 18px;font-weight:600}
.insurers ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.insurers li{background:var(--surface);border-radius:999px;padding:9px 16px;font-weight:600;font-size:15px;color:var(--petrol-deep)}
.faq{max-width:780px}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font:600 18px/1.3 var(--display);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:24px;line-height:1;color:var(--petrol)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 0;color:var(--muted)}
.callband{background:var(--ink);color:#fff;border-radius:var(--radius-l);padding:40px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.callband h2{color:#fff;margin:0 0 6px}
.callband p{margin:0;color:#BFD0CE}
.callband .btn{background:var(--saffron);color:var(--ink);padding:15px 26px;font-size:17px}

/* ---------- footer ---------- */
.foot{background:var(--surface);border-top:1px solid var(--line);padding:40px 0 34px;font-size:14px;color:var(--muted)}
.foot .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:26px}
.foot h4{font:650 15px/1.2 var(--display);color:var(--ink);margin:0 0 10px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin:0 0 6px}
.foot a{text-decoration:none}
.foot a:hover{color:var(--petrol)}
.foot .legal{border-top:1px solid var(--line);padding-top:20px;font-size:13px;line-height:1.6}

/* ---------- parcours devis ---------- */
.devis{padding:34px 0 80px}
.crumb{font-size:14px;color:var(--muted);margin:0 0 18px}
.crumb a{color:var(--petrol);text-decoration:none;font-weight:600}
.devis-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:28px;align-items:start}
.card{background:var(--surface);border-radius:var(--radius-l);box-shadow:var(--shadow)}
.form-card{padding:34px 40px 30px}
.form-head{display:flex;align-items:center;gap:16px;margin-bottom:6px}
.form-head .ico{width:54px;height:54px;flex:none}
.form-head h1{font:700 clamp(25px,2.6vw,32px)/1.1 var(--display);letter-spacing:-.025em;margin:0}
.form-intro{color:var(--muted);margin:10px 0 24px;font-size:16px}
.progress{display:flex;gap:6px;margin:0 0 8px}
.progress span{flex:1;height:5px;border-radius:5px;background:var(--line);transition:background .25s}
.progress span.on{background:var(--saffron)}
.progress-label{font-size:13.5px;color:var(--muted);margin:0 0 26px}
.step h2{font:650 22px/1.2 var(--display);margin:0 0 20px;letter-spacing:-.01em}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:22px 20px}
.field{grid-column:span 2;min-width:0}
.field.half{grid-column:span 1}
.field > label,.field > .lbl{display:block;font-weight:650;font-size:15.5px;margin:0 0 9px}
.field .help{font-size:13px;color:var(--muted);margin:6px 0 0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips.c1{display:grid;grid-template-columns:1fr 1fr}
.chips.c2{display:grid;grid-template-columns:1fr 1fr}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.chip span{display:flex;align-items:center;gap:8px;padding:11px 16px;border:1.5px solid var(--line);border-radius:var(--radius-s);font-size:15.5px;font-weight:500;background:var(--surface);cursor:pointer;transition:border-color .12s,background .12s;min-height:46px}
.chip span::before{content:"";width:16px;height:16px;border-radius:50%;border:1.5px solid #A9BAB8;flex:none;transition:all .12s}
.chip input:checked + span{border-color:var(--petrol);background:var(--petrol-soft);font-weight:650}
.chip input:checked + span::before{border:5px solid var(--petrol);background:#fff}
.chip input:focus-visible + span{outline:3px solid var(--saffron);outline-offset:2px}
.chip:hover span{border-color:var(--petrol)}
.inp{width:100%;height:50px;border:1.5px solid var(--line);border-radius:var(--radius-s);padding:0 14px;background:var(--surface);font-size:16px}
.inp:focus{border-color:var(--petrol);outline:none;box-shadow:0 0 0 3px var(--petrol-soft)}
select.inp{appearance:none;background:var(--surface) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23366871' stroke-width='2' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:38px}
.unit{position:relative}
.unit .inp{padding-right:40px}
.unit em{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-style:normal;color:var(--muted);font-weight:600}
.field.err .inp,.field.err .chip span{border-color:var(--danger)}
.field .msg{color:var(--danger);font-size:13.5px;margin:6px 0 0;display:none}
.field.err .msg{display:block}
.prefill{display:flex;gap:10px;align-items:center;background:var(--saffron-soft);border-radius:var(--radius-s);padding:10px 14px;font-size:14px;margin:0 0 22px}
.prefill svg{width:18px;height:18px;flex:none;color:#A86F07}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--muted);grid-column:span 2}
.consent input{width:20px;height:20px;margin:2px 0 0;flex:none;accent-color:var(--petrol)}
.nav-btns{display:flex;justify-content:space-between;align-items:center;margin-top:32px;gap:12px}
.back{background:none;border:0;font-weight:600;color:var(--muted);cursor:pointer;padding:10px 4px}
.back:hover{color:var(--ink)}
.nav-btns .btn-primary{padding:15px 30px;font-size:16.5px;margin-left:auto}
.nav-btns .btn-primary[disabled]{opacity:.6;cursor:wait}
.hp{position:absolute;left:-9999px}
.alert{background:#FBE9E5;color:var(--danger);border-radius:var(--radius-s);padding:12px 14px;font-size:14.5px;margin-top:18px;display:none}
.alert.show{display:block}

.aside{position:sticky;top:96px;display:flex;flex-direction:column;gap:16px}
.recap{padding:24px}
.recap h3{font:650 18px/1.2 var(--display);margin:0 0 14px}
.recap dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:8px 14px;font-size:14.5px}
.recap dt{color:var(--muted)}
.recap dd{margin:0;font-weight:600;text-align:right}
.recap .empty{color:var(--muted);font-size:14.5px;margin:0}
.reassure{padding:22px 24px;background:var(--petrol-deep);color:#E3EFED}
.reassure ul{list-style:none;margin:0;padding:0}
.reassure li{display:flex;gap:10px;padding:6px 0;font-size:15px}
.reassure li svg{width:20px;height:20px;flex:none;color:var(--saffron);margin-top:1px}
.reassure a{display:flex;align-items:center;gap:10px;margin-top:14px;padding-top:14px;border-top:1px solid #3A6A71;text-decoration:none;color:#fff;font:700 20px/1 var(--display)}
.reassure a small{display:block;font:500 13px/1.3 var(--body);color:#BFD6D3}

.done{text-align:center;padding:40px 10px 20px}
.done .tick{width:74px;height:74px;margin:0 auto 20px;border-radius:50%;background:var(--saffron);display:grid;place-items:center;animation:pop .45s cubic-bezier(.2,1.4,.4,1)}
.done .tick svg{width:36px;height:36px}
.done h2{font:700 30px/1.1 var(--display);margin:0 0 10px;letter-spacing:-.02em}
.done p{color:var(--muted);margin:0 auto 8px;max-width:46ch}
.done .others{margin-top:30px;padding-top:24px;border-top:1px solid var(--line)}
.done .others p{font-weight:600;color:var(--ink)}
.done .others div{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:12px}
.done .others a{padding:9px 15px;border-radius:999px;background:var(--petrol-soft);text-decoration:none;font-weight:600;font-size:14.5px;color:var(--petrol-deep)}
@keyframes pop{from{transform:scale(.4);opacity:0}to{transform:none;opacity:1}}

/* ---------- pages légales ---------- */
.legal-page{max-width:780px;padding:50px 24px 80px}
.legal-page h1{font:700 36px/1.1 var(--display);letter-spacing:-.025em}
.legal-page h2{font:650 21px/1.2 var(--display);margin:34px 0 8px}
.legal-page p,.legal-page li{color:#2F4548}

/* ---------- cookies ---------- */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:520px;background:var(--surface);border-radius:var(--radius-m);box-shadow:0 20px 50px -20px rgba(19,42,46,.5);padding:20px 22px;z-index:50;display:none;font-size:14.5px}
.cookie.show{display:block}
.cookie p{margin:0 0 14px;color:var(--muted)}
.cookie .row{display:flex;gap:10px;justify-content:flex-end}
.cookie button{padding:10px 18px;font-size:14.5px}

/* ---------- responsive ---------- */
@media (max-width:1060px){
  .board{grid-template-columns:repeat(3,1fr)}
  .bundle{grid-column:span 3;grid-row:auto}
  .stack{display:none}
  .top nav{display:none}
}
@media (max-width:900px){
  .devis-grid{grid-template-columns:1fr}
  .aside{position:static}
  .recap{display:none}
  .why{grid-template-columns:1fr;gap:32px}
}
@media (max-width:760px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .top .wrap{height:64px}
  .top .btn-ghost .t{display:none}
  .top .btn-ghost{padding:10px 12px}
  .top-actions .btn-primary{display:none}
  .logo-text{font-size:18px}
  .hero{padding:34px 0 44px}
  .board{grid-template-columns:1fr 1fr;gap:10px}
  .tile{min-height:150px;padding:16px}
  .tile .ico{width:50px;height:50px}
  .tile h3{font-size:17px;margin-top:12px}
  .tile p{display:none}
  .tile .who{top:12px;right:12px;font-size:11.5px;padding:3px 8px}
  .tile.wide{grid-column:span 2}
  .tile.wide .ico{width:64px;height:64px}
  .tile.wide h3{font-size:21px}
  .tile.wide .fig{display:none}
  .bundle{grid-column:span 2;padding:26px 22px}
  .steps{grid-template-columns:1fr}
  .section{padding:60px 0}
  .form-card{padding:24px 18px}
  .fields{grid-template-columns:1fr}
  .field,.field.half,.consent{grid-column:span 1}
  .chips.c2,.chips.c1{grid-template-columns:1fr}
  .callband{padding:28px 22px}
  .foot .cols{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

/* ---------- ajustements ---------- */
.top nav a,.btn{white-space:nowrap}
.tile.wide .fig{white-space:nowrap}
.proof .wrap{display:grid;grid-template-columns:repeat(4,auto)}
.steps{padding:0;margin:0}
.recap dl{grid-template-columns:minmax(0,1fr) minmax(0,1.15fr)}
.reassure a svg{width:26px;height:26px;flex:none;color:var(--saffron)}
.cookie{left:auto;right:16px}
@media (max-width:1060px){.proof .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.cookie{left:12px;right:12px;bottom:12px}}
.tile .ico{width:68px;height:68px}
.done a{white-space:nowrap}
@media (max-width:760px){.foot .cols > div:nth-child(3) h4{display:none}.tile .ico{width:52px;height:52px}}
@media (max-width:760px){.bundle{order:1}.proof div{flex-direction:column;align-items:flex-start;gap:4px;font-size:14px}}

/* ---------- carrousel assureurs (boucle continue, sans trou) ---------- */
.insurers-band{background:var(--surface);border-bottom:1px solid var(--line);padding:30px 0 34px;overflow:hidden}
.insurers-title{margin:0 auto 20px;font:600 15px/1.3 var(--body);color:var(--muted)}
.marquee{position:relative;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;width:max-content;animation:rva-marquee 70s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-group{display:flex;align-items:center;list-style:none;margin:0;padding:0;flex:none}
.marquee-group li{flex:none;padding:0 34px;height:56px;display:flex;align-items:center}
.marquee-group img{height:40px;width:auto;max-width:150px;object-fit:contain}
@keyframes rva-marquee{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media (max-width:760px){.marquee-group li{padding:0 22px;height:46px}.marquee-group img{height:30px;max-width:110px}.marquee-track{animation-duration:50s}}
.why-1{grid-template-columns:1fr}
.why-1 dl{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.why-1 dd{margin:0}
@media (max-width:760px){.why-1 dl{grid-template-columns:1fr;gap:6px}.why-1 dd{margin-bottom:18px}}