/* =========================================================
   ASSUR & MAT — feuille de style principale
   Charte : bleu marine / doré, thème échecs
   ========================================================= */

:root{
  --navy: #16233d;
  --navy-dark: #0d1526;
  --navy-soft: #223256;
  --gold: #cf9f3f;
  --gold-light: #e8c77a;
  --gold-dark: #a97e28;
  --cream: #faf7f0;
  --white: #ffffff;
  --ink: #26313f;
  --ink-soft: #5b6675;
  --border: #e4e0d6;
  --shadow: 0 12px 30px -12px rgba(13, 21, 38, 0.25);
  --radius: 10px;
  --container: 1180px;
  --font-head: "Playfair Display", "Georgia", serif;
  --font-body: "Inter", "Segoe UI", Arial, sans-serif;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color: inherit; text-decoration: none; }
ul{ list-style:none; margin:0; padding:0; }
h1,h2,h3,h4{
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 .6em;
  font-weight: 700;
}
h1{ font-size: clamp(2.1rem, 4vw, 3.2rem); }
h2{ font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3{ font-size: 1.3rem; }
p{ margin: 0 0 1em; color: var(--ink-soft); }
.container{
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}
section{ padding: 80px 0; }
.section-tight{ padding: 56px 0; }
.bg-cream{ background: var(--cream); }
.bg-navy{ background: var(--navy); color: var(--white); }
.bg-navy h1, .bg-navy h2, .bg-navy h3{ color: var(--white); }
.bg-navy p{ color: rgba(255,255,255,.78); }

.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family: var(--font-body);
  font-weight:700;
  font-size:.78rem;
  letter-spacing:.14em;
  text-transform:uppercase;
  color: var(--gold-dark);
  margin-bottom: 14px;
}
.eyebrow::before{
  content:"";
  width:8px; height:8px;
  background: var(--gold);
  transform: rotate(45deg);
  display:inline-block;
}
.bg-navy .eyebrow{ color: var(--gold-light); }

.lede{ font-size: 1.12rem; max-width: 640px; }

/* Boutons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding: 14px 30px;
  border-radius: 999px;
  font-weight: 700;
  font-size: .95rem;
  letter-spacing: .01em;
  border: 2px solid transparent;
  cursor:pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .2s ease, color .2s ease;
  white-space: nowrap;
}
.btn:hover{ transform: translateY(-2px); }
.btn-gold{
  background: linear-gradient(135deg, var(--gold-light), var(--gold-dark));
  color: var(--navy-dark);
  box-shadow: 0 10px 22px -10px rgba(207,159,63,.65);
}
.btn-gold:hover{ box-shadow: 0 14px 26px -10px rgba(207,159,63,.8); }
.btn-outline{
  background: transparent;
  border-color: currentColor;
  color: var(--navy);
}
.bg-navy .btn-outline{ color: var(--white); }
.btn-outline:hover{ background: rgba(22,35,61,.06); }
.bg-navy .btn-outline:hover{ background: rgba(255,255,255,.1); }
.hero .btn-outline{ color: var(--white); }
.hero .btn-outline:hover{ background: rgba(255,255,255,.1); }
.btn-block{ width:100%; }

/* =========================
   Bandeau top (infos rapides)
   ========================= */
.topbar{
  background: var(--navy-dark);
  color: rgba(255,255,255,.85);
  font-size: .82rem;
}
.topbar .container{
  display:flex;
  justify-content: space-between;
  align-items:center;
  padding-top:8px;
  padding-bottom:8px;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar a{ color: var(--gold-light); }
.topbar .topbar-links{ display:flex; gap:20px; flex-wrap:wrap; }

/* =========================
   Header / Navigation
   ========================= */
.site-header{
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.nav-wrap{
  display:flex;
  align-items:center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 20px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  font-family: var(--font-head);
  font-weight:700;
  font-size:1.35rem;
  color: var(--navy);
}
.brand img{ height:46px; width:auto; }
.brand .amp{ color: var(--gold-dark); }

.main-nav{ display:flex; align-items:center; gap: 6px; }
.main-nav > ul{ display:flex; align-items:center; gap: 4px; }
.main-nav a.nav-link{
  display:flex;
  align-items:center;
  gap:6px;
  padding: 10px 16px;
  font-weight:600;
  font-size: .95rem;
  color: var(--navy);
  border-radius: 6px;
}
.main-nav a.nav-link:hover, .main-nav li.active > a.nav-link{ color: var(--gold-dark); }
.has-dropdown{ position:relative; }
.chev{
  width:8px; height:8px;
  border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;
  transform: rotate(45deg);
  margin-top:-3px;
  transition: transform .15s ease;
}
.has-dropdown:hover .chev{ transform: rotate(225deg); margin-top:3px; }
.dropdown{
  position:absolute;
  top: 100%;
  left:0;
  min-width: 260px;
  background: var(--white);
  border:1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 10px;
  opacity:0;
  visibility:hidden;
  transform: translateY(6px);
  transition: all .15s ease;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown{
  opacity:1; visibility:visible; transform: translateY(0);
}
.dropdown a{
  display:flex;
  align-items:center;
  gap:10px;
  padding: 10px 12px;
  border-radius: 8px;
  font-weight:600;
  font-size:.92rem;
  color: var(--ink);
}
.dropdown a:hover{ background: var(--cream); color: var(--gold-dark); }
.dropdown .dot{
  width:6px;height:6px;background:var(--gold);transform:rotate(45deg);flex:none;
}
.nav-cta{ display:flex; align-items:center; gap: 14px; }
.nav-toggle{
  display:none;
  flex-direction:column;
  gap:5px;
  background:none;
  border:none;
  cursor:pointer;
  padding: 8px;
}
.nav-toggle span{ width:26px; height:2px; background: var(--navy); display:block; }

@media (max-width: 960px){
  .nav-toggle{ display:flex; }
  .main-nav{
    position: fixed;
    inset: 0 0 0 30%;
    background: var(--white);
    flex-direction:column;
    align-items: stretch;
    padding: 90px 24px 24px;
    transform: translateX(100%);
    transition: transform .25s ease;
    box-shadow: -20px 0 40px rgba(0,0,0,.15);
    overflow-y:auto;
    z-index: 95;
  }
  .main-nav.open{ transform: translateX(0); }
  .main-nav > ul{ flex-direction:column; align-items:stretch; gap:0; }
  .main-nav a.nav-link{ padding: 14px 6px; border-bottom:1px solid var(--border); border-radius:0; }
  .dropdown{
    position:static; opacity:1; visibility:visible; transform:none;
    box-shadow:none; border:none; display:none; padding-left: 14px;
  }
  .has-dropdown.open .dropdown{ display:block; }
  .has-dropdown .chev{ margin-left:auto; }
  .nav-backdrop{
    display:none;
    position: fixed; inset:0; background: rgba(13,21,38,.5); z-index: 90;
  }
  .nav-backdrop.open{ display:block; }
  .nav-cta .btn{ display:none; }
}

/* =========================
   Hero
   ========================= */
.hero{
  position:relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  right:-120px; top:-120px;
  width:480px; height:480px;
  background: var(--checker-pattern, none);
  opacity:.08;
  background-image:
    linear-gradient(45deg, var(--gold) 25%, transparent 25%),
    linear-gradient(-45deg, var(--gold) 25%, transparent 25%),
    linear-gradient(45deg, transparent 75%, var(--gold) 75%),
    linear-gradient(-45deg, transparent 75%, var(--gold) 75%);
  background-size: 60px 60px;
  background-position: 0 0, 0 30px, 30px -30px, -30px 0px;
  transform: rotate(15deg);
}
.hero-grid{
  position:relative;
  z-index:1;
  display:grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 40px;
  align-items:center;
  padding: 76px 0;
}
.hero h1{ color:var(--white); }
.hero .lede{ color: rgba(255,255,255,.82); font-size:1.15rem; }
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top: 28px; }
.hero-badges{ display:flex; gap: 26px; margin-top: 40px; flex-wrap:wrap; }
.hero-badges div{ display:flex; flex-direction:column; }
.hero-badges strong{ font-family: var(--font-head); font-size:1.6rem; color: var(--gold-light); }
.hero-badges span{ font-size:.82rem; color: rgba(255,255,255,.7); }
.hero-visual{
  position:relative;
  display:flex;
  align-items:center;
  justify-content:center;
}
.hero-visual img{ max-width: 320px; filter: drop-shadow(0 30px 40px rgba(0,0,0,.4)); }
@media (max-width: 860px){
  .hero-grid{ grid-template-columns: 1fr; text-align:center; padding: 50px 0; }
  .hero-actions, .hero-badges{ justify-content:center; }
  .hero-visual img{ max-width: 220px; margin-top: 20px; }
}

/* Fil d'ariane / page hero simple */
.page-hero{
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 56px 0 64px;
}
.breadcrumb{ font-size:.85rem; color: rgba(255,255,255,.65); margin-bottom: 14px; }
.breadcrumb a{ color: var(--gold-light); }
.page-hero h1, .page-hero h2{ color: var(--white); }
.page-hero p, .page-hero .lede{ color: rgba(255,255,255,.82); }
.page-hero .eyebrow{ color: var(--gold-light); }

/* Checker divider */
.checker-divider{
  height: 14px;
  background-image:
    linear-gradient(45deg, var(--navy) 25%, transparent 25%),
    linear-gradient(-45deg, var(--navy) 25%, transparent 25%),
    linear-gradient(45deg, transparent 75%, var(--navy) 75%),
    linear-gradient(-45deg, transparent 75%, var(--navy) 75%);
  background-size: 14px 14px;
  background-position: 0 0, 0 7px, 7px -7px, -7px 0px;
  opacity:.9;
}

/* =========================
   Grilles génériques
   ========================= */
.grid{ display:grid; gap: 28px; }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-2{ grid-template-columns: repeat(2, 1fr); }
.grid-4{ grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px){
  .grid-3, .grid-4{ grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 620px){
  .grid-2, .grid-3, .grid-4{ grid-template-columns: 1fr; }
}

.section-head{ max-width: 680px; margin: 0 auto 48px; text-align:center; }
.section-head.left{ margin: 0 0 40px; text-align:left; }

/* Cartes service */
.card{
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 26px;
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.card:hover{ box-shadow: var(--shadow); transform: translateY(-4px); border-color: transparent; }
.card .icon{
  width:56px; height:56px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  display:flex; align-items:center; justify-content:center;
  margin-bottom: 18px;
  color: var(--gold-light);
  font-size: 1.5rem;
}
.card a.more{ font-weight:700; color: var(--gold-dark); display:inline-flex; align-items:center; gap:6px; }
.card a.more:hover{ text-decoration: underline; }

/* Piece list (avantages) */
.perk{ display:flex; gap:16px; align-items:flex-start; }
.perk .mark{
  flex:none;
  width:34px; height:34px;
  border-radius: 50%;
  background: var(--cream);
  border: 1px solid var(--border);
  display:flex; align-items:center; justify-content:center;
  color: var(--gold-dark);
  font-weight:800;
}
.perk h4{ margin: 2px 0 4px; font-family: var(--font-body); color: var(--navy); font-size:1.02rem; }
.perk p{ margin:0; font-size:.94rem; }

/* Steps (processus) */
.steps{ counter-reset: step; }
.step{ position:relative; padding-left: 62px; margin-bottom: 30px; }
.step::before{
  counter-increment: step;
  content: counter(step);
  position:absolute; left:0; top:0;
  width:44px; height:44px;
  border-radius:50%;
  background: linear-gradient(135deg, var(--gold-light), var(--gold-dark));
  color: var(--navy-dark);
  font-family: var(--font-head); font-weight:700; font-size:1.1rem;
  display:flex; align-items:center; justify-content:center;
}

/* Témoignages */
.testimonial{
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  height:100%;
}
.testimonial .stars{ color: var(--gold-dark); letter-spacing:2px; margin-bottom:10px; }
.testimonial footer{ margin-top: 16px; font-weight:700; color: var(--navy); font-size:.9rem; }
.testimonial footer span{ display:block; font-weight:400; color: var(--ink-soft); font-size:.82rem; }

/* CTA band */
.cta-band{
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color:var(--white);
  border-radius: 18px;
  padding: 52px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 24px;
  flex-wrap:wrap;
}
.cta-band h3{ color:var(--white); margin-bottom:6px; }
.cta-band p{ color: rgba(255,255,255,.78); margin:0; }

/* Table garanties */
.table-wrap{ overflow-x:auto; border:1px solid var(--border); border-radius: var(--radius); }
table.compare{ width:100%; border-collapse: collapse; min-width: 520px; }
table.compare th, table.compare td{ padding: 14px 18px; border-bottom:1px solid var(--border); text-align:left; font-size:.94rem; }
table.compare thead th{ background: var(--cream); color: var(--navy); font-family: var(--font-head); }
table.compare tr:last-child td{ border-bottom:none; }
table.compare td.yes::before{ content:"✓ "; color: var(--gold-dark); font-weight:700; }

/* FAQ accordion */
.accordion-item{ border-bottom: 1px solid var(--border); }
.accordion-item:first-child{ border-top: 1px solid var(--border); }
.accordion-trigger{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 20px;
  background:none;
  border:none;
  text-align:left;
  padding: 22px 4px;
  font-family: var(--font-head);
  font-size: 1.05rem;
  color: var(--navy);
  cursor:pointer;
}
.accordion-trigger .plus{
  flex:none;
  width:26px; height:26px;
  border-radius:50%;
  border:1.5px solid var(--gold-dark);
  color: var(--gold-dark);
  display:flex; align-items:center; justify-content:center;
  font-size:1.1rem;
  transition: transform .2s ease;
}
.accordion-item.open .accordion-trigger .plus{ transform: rotate(45deg); }
.accordion-panel{
  max-height:0;
  overflow:hidden;
  transition: max-height .25s ease;
}
.accordion-panel p{ padding: 0 30px 22px 4px; margin:0; }

/* Formulaire */
.form-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full{ grid-column: 1 / -1; }
@media (max-width:640px){ .form-grid{ grid-template-columns: 1fr; } }
label{ display:block; font-weight:700; font-size:.85rem; color: var(--navy); margin-bottom:6px; }
input, select, textarea{
  width:100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: .95rem;
  background: var(--white);
  color: var(--ink);
}
input:focus, select:focus, textarea:focus{ outline: 2px solid var(--gold); outline-offset:1px; }
textarea{ resize: vertical; min-height: 130px; }
.form-note{ font-size:.82rem; color: var(--ink-soft); margin-top:10px; }

/* Contact info cards */
.contact-info{ display:grid; gap:20px; }
.contact-info .item{ display:flex; gap:16px; align-items:flex-start; }
.contact-info .icon{
  flex:none; width:44px; height:44px; border-radius:50%;
  background: var(--cream); border:1px solid var(--border);
  display:flex; align-items:center; justify-content:center; color: var(--gold-dark);
}
.map-frame{ border-radius: var(--radius); overflow:hidden; border:1px solid var(--border); }
.map-frame iframe{ width:100%; height:280px; border:0; display:block; }

/* =========================
   Footer
   ========================= */
.site-footer{ background: var(--navy-dark); color: rgba(255,255,255,.75); }
.footer-top{ padding: 64px 0 40px; display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 900px){ .footer-top{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .footer-top{ grid-template-columns: 1fr; } }
.footer-brand img{ height:60px; margin-bottom:14px; }
.footer-brand p{ color: rgba(255,255,255,.6); font-size:.92rem; max-width: 300px; }
.site-footer h5{
  font-family: var(--font-body); text-transform:uppercase; letter-spacing:.08em;
  font-size:.8rem; color: var(--gold-light); margin-bottom: 16px;
}
.site-footer ul li{ margin-bottom: 10px; }
.site-footer a:hover{ color: var(--gold-light); }
.footer-bottom{
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 20px 0;
  display:flex; justify-content:space-between; gap:14px; flex-wrap:wrap;
  font-size: .82rem; color: rgba(255,255,255,.55);
}
.social-row{ display:flex; gap:10px; margin-top:16px; }
.social-row a{
  width:36px; height:36px; border-radius:50%;
  border: 1px solid rgba(255,255,255,.2);
  display:flex; align-items:center; justify-content:center;
  font-size:.85rem;
}
.social-row a:hover{ border-color: var(--gold); color: var(--gold-light); }

/* Chips de garanties (remplace les tableaux comparatifs) */
.chip-cloud{ display:flex; flex-wrap:wrap; gap:12px; margin: 22px 0; }
.chip{
  display:inline-flex;
  align-items:center;
  gap:8px;
  background: var(--cream);
  border: 1px solid var(--border);
  padding: 11px 20px;
  border-radius: 999px;
  font-weight:600;
  font-size:.92rem;
  color: var(--navy);
  transition: border-color .15s ease, transform .15s ease;
}
.chip:hover{ border-color: var(--gold); transform: translateY(-2px); }
.bg-cream .chip{ background: var(--white); }
.chip-note{
  display:flex;
  align-items:center;
  gap:12px;
  background: var(--white);
  border: 1px dashed var(--gold-dark);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size:.92rem;
  color: var(--ink-soft);
}
.bg-cream .chip-note{ background: var(--cream); }
.chip-note a{ font-weight:700; color: var(--gold-dark); }

/* Carrousel promos */
.promo-carousel{
  position:relative;
  border-radius: 18px;
  overflow:hidden;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  min-height: 320px;
}
.promo-track{ display:flex; transition: transform .5s ease; }
.promo-slide{
  flex: 0 0 100%;
  display:grid;
  grid-template-columns: 1fr auto;
  align-items:center;
  gap: 24px;
  padding: 48px 56px;
  color: var(--white);
}
.promo-slide .promo-tag{
  display:inline-block;
  background: rgba(207,159,63,.18);
  color: var(--gold-light);
  border: 1px solid rgba(207,159,63,.4);
  padding: 6px 14px;
  border-radius: 999px;
  font-size:.75rem;
  font-weight:700;
  letter-spacing:.08em;
  text-transform:uppercase;
  margin-bottom:16px;
}
.promo-slide h3{ color: var(--white); font-size: 1.7rem; margin-bottom:10px; }
.promo-slide p{ color: rgba(255,255,255,.82); max-width: 480px; }
.promo-slide .promo-figure{
  font-size: 3.4rem;
  font-family: var(--font-head);
  font-weight:700;
  color: var(--gold-light);
  text-align:center;
  line-height:1;
}
.promo-slide .promo-figure span{ display:block; font-family: var(--font-body); font-size:.85rem; font-weight:600; color: rgba(255,255,255,.7); margin-top:8px; text-transform:none; letter-spacing:0; }
.promo-note{ font-size:.76rem; color: rgba(255,255,255,.5); margin-top:14px; }
@media (max-width: 720px){
  .promo-slide{ grid-template-columns: 1fr; padding: 40px 28px; text-align:center; }
  .promo-slide p{ margin-left:auto; margin-right:auto; }
  .promo-slide .promo-figure{ order:-1; }
}
.promo-arrow{
  position:absolute;
  top:50%;
  transform: translateY(-50%);
  width:42px; height:42px;
  border-radius:50%;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.3);
  color: var(--white);
  display:flex; align-items:center; justify-content:center;
  cursor:pointer;
  font-size:1.1rem;
  z-index:2;
}
.promo-arrow:hover{ background: rgba(255,255,255,.22); }
.promo-arrow.prev{ left:16px; }
.promo-arrow.next{ right:16px; }
.promo-dots{ display:flex; justify-content:center; gap:8px; margin-top:18px; }
.promo-dots button{
  width:9px; height:9px;
  border-radius:50%;
  background: var(--border);
  border:none;
  padding:0;
  cursor:pointer;
}
.promo-dots button.active{ background: var(--gold-dark); }

/* Utilitaires */
.mt-0{ margin-top:0; } .mb-0{ margin-bottom:0; }
.text-gold{ color: var(--gold-dark); }
.center{ text-align:center; }
.visually-hidden{
  position:absolute; width:1px; height:1px; overflow:hidden;
  clip:rect(0 0 0 0); white-space:nowrap;
}