:root{
  --navy:#0b2545;
  --blue:#1560bd;
  --teal:#0fb9b1;
  --ink:#132132;
  --muted:#5b6b7d;
  --bg:#f6f9fc;
  --card:#ffffff;
  --border:#e3e9f0;
  --success:#1a9e6b;
  --warn:#b8860b;
  --radius:14px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.55;
}
a{color:inherit;}
.container{max-width:1080px;margin:0 auto;padding:0 24px;}
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(8px);
  border-bottom:1px solid var(--border);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0;}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--navy);text-decoration:none;}
.brand .dot{width:10px;height:10px;border-radius:50%;background:var(--teal);}
nav.links{display:flex;gap:28px;align-items:center;}
nav.links a{text-decoration:none;color:var(--muted);font-weight:600;font-size:15px;}
nav.links a:hover{color:var(--navy);}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 24px;border-radius:999px;font-weight:700;font-size:15px;
  text-decoration:none;border:none;cursor:pointer;transition:transform .15s ease, box-shadow .15s ease;
}
.btn-primary{background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;box-shadow:0 8px 20px rgba(21,96,189,.28);}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(21,96,189,.35);}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--border);}
.btn-sm{padding:9px 16px;font-size:13px;}
.hero{
  background:radial-gradient(1200px 500px at 80% -10%, rgba(15,185,177,.18), transparent),
             radial-gradient(900px 400px at 10% 0%, rgba(21,96,189,.15), transparent);
  padding:72px 0 56px;
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.eyebrow{
  display:inline-block;background:#e7f7f6;color:#0a8079;font-weight:700;font-size:13px;
  padding:6px 14px;border-radius:999px;margin-bottom:18px;letter-spacing:.3px;
}
h1{font-size:44px;line-height:1.15;margin:0 0 18px;color:var(--navy);letter-spacing:-.5px;}
h2{color:var(--navy);}
.hero p.lead{font-size:18px;color:var(--muted);margin:0 0 28px;max-width:520px;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px;}
.motif-chips{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px;}
.motif-chip{
  background:#fff;border:1.5px solid var(--border);border-radius:999px;padding:8px 16px;
  font-size:13px;font-weight:600;color:var(--navy);text-decoration:none;transition:border-color .15s ease;
}
.motif-chip:hover{border-color:var(--blue);color:var(--blue);}
.trust-row{display:flex;gap:22px;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--muted);font-weight:600;}
.trust-item .ic{color:var(--success);font-size:16px;}
.hero-card{
  background:var(--card);border:1px solid var(--border);border-radius:20px;padding:28px;
  box-shadow:0 20px 50px rgba(11,37,69,.10);
}
.hero-card h3{margin:0 0 4px;color:var(--navy);font-size:17px;}
.hero-card .amount{font-size:38px;font-weight:800;color:var(--blue);margin:6px 0 4px;}
.hero-card .sub{color:var(--muted);font-size:13px;margin-bottom:18px;}
.mini-steps{display:flex;flex-direction:column;gap:12px;}
.mini-step{display:flex;gap:12px;align-items:flex-start;font-size:14px;}
.mini-step .num{
  flex:none;width:24px;height:24px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;
}
section{padding:64px 0;}
.section-title{text-align:center;max-width:640px;margin:0 auto 44px;}
.section-title .eyebrow{margin-bottom:12px;}
.section-title h2{font-size:32px;margin:0 0 12px;letter-spacing:-.3px;}
.section-title p{color:var(--muted);margin:0;}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.step-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:26px 22px;position:relative;
}
.step-card .step-num{
  width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--blue),var(--teal));
  color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px;
}
.step-card h4{margin:0 0 8px;color:var(--navy);font-size:16px;}
.step-card p{margin:0;color:var(--muted);font-size:14px;}
.band{background:var(--navy);color:#fff;}
.band .section-title h2{color:#fff;}
.band .section-title p{color:#c9d6e6;}
.rights-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;}
.rights-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:24px;}
.rights-card .tag{display:inline-block;background:rgba(15,185,177,.18);color:#7fe3dd;font-weight:700;font-size:12px;padding:4px 10px;border-radius:999px;margin-bottom:12px;}
.rights-card h4{margin:0 0 8px;font-size:17px;}
.rights-card p{margin:0;color:#c9d6e6;font-size:14px;}
.rights-card .legal-ref{display:block;margin-top:10px;font-size:12px;color:#9fb4cc;font-style:italic;}
/* Calculator */
.calc-wrap{
  background:var(--card);border:1px solid var(--border);border-radius:20px;
  padding:36px;box-shadow:0 20px 50px rgba(11,37,69,.08);max-width:720px;margin:0 auto;
}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:22px;}
.calc-grid .full{grid-column:1/-1;}
.calc-result{
  background:linear-gradient(135deg,rgba(21,96,189,.08),rgba(15,185,177,.08));
  border:1px dashed var(--blue);border-radius:14px;padding:22px;text-align:center;display:none;
}
.calc-result.show{display:block;}
.calc-result .amount{font-size:34px;font-weight:800;color:var(--blue);margin:6px 0;}
.calc-result .legal{font-size:12px;color:var(--muted);margin-top:8px;font-style:italic;}
/* Coverage */
.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.coverage-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;}
.coverage-card h4{margin:0 0 8px;color:var(--navy);font-size:16px;}
.coverage-card p{margin:0;color:var(--muted);font-size:13.5px;}
/* Form */
#formulaire{background:var(--bg);}
.form-wrap{
  background:var(--card);border:1px solid var(--border);border-radius:20px;
  padding:40px;box-shadow:0 20px 50px rgba(11,37,69,.08);max-width:760px;margin:0 auto;
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-grid .full{grid-column:1 / -1;}
label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin-bottom:6px;}
input,select,textarea{
  width:100%;padding:12px 14px;border-radius:10px;border:1.5px solid var(--border);
  font-size:14px;font-family:inherit;background:#fbfcfe;color:var(--ink);
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);background:#fff;}
textarea{resize:vertical;min-height:80px;}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);margin:18px 0 22px;}
.consent input{width:auto;margin-top:3px;}
.form-foot{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;}
.form-note{font-size:12px;color:var(--muted);max-width:320px;}
#thankyou{display:none;text-align:center;padding:20px 0;}
#thankyou .check{font-size:44px;margin-bottom:10px;}
#thankyou h3{color:var(--navy);margin:0 0 8px;}
#thankyou p{color:var(--muted);margin:0;}
.faq-item{border-bottom:1px solid var(--border);padding:18px 0;}
.faq-item summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:16px;list-style:none;display:flex;justify-content:space-between;align-items:center;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary:after{content:"+";font-size:22px;color:var(--blue);font-weight:400;}
.faq-item[open] summary:after{content:"–";}
.faq-item p{color:var(--muted);margin:12px 0 0;font-size:14px;}
footer{background:#0a1f3a;color:#c9d6e6;padding:48px 0 28px;font-size:14px;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px;}
footer h5{color:#fff;font-size:14px;margin:0 0 14px;}
footer .brand{color:#fff;}
footer p{color:#a9bbd1;font-size:13.5px;}
footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px;}
footer a{text-decoration:none;color:#c9d6e6;}
footer a:hover{color:#fff;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;color:#8ea0b8;font-size:12.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
/* Cookie bar */
#cookie-bar{
  position:fixed;left:16px;right:16px;bottom:16px;z-index:100;
  background:var(--navy);color:#fff;border-radius:14px;padding:16px 20px;
  display:none;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;
  box-shadow:0 10px 30px rgba(0,0,0,.25);
}
#cookie-bar.show{display:flex;}
#cookie-bar p{margin:0;font-size:13px;color:#c9d6e6;max-width:640px;}
#cookie-bar a{text-decoration:underline;color:#fff;}
/* Legal pages */
.legal-page main{padding:48px 0 80px;}
.legal-page h1{font-size:32px;}
.legal-page h2{font-size:20px;margin-top:36px;}
.legal-page p, .legal-page li{color:var(--muted);font-size:15px;}
.legal-page .updated{color:var(--muted);font-size:13px;margin-bottom:32px;}
.legal-page .callout{
  background:#fff7e6;border:1px solid #f0d999;border-radius:12px;padding:16px 20px;
  color:#7a5a00;font-size:13.5px;margin-bottom:32px;
}
@media (max-width: 880px){
  .hero-grid{grid-template-columns:1fr;}
  nav.links{display:none;}
  .steps-grid{grid-template-columns:1fr 1fr;}
  .rights-grid{grid-template-columns:1fr;}
  .coverage-grid{grid-template-columns:1fr;}
  .calc-grid{grid-template-columns:1fr;}
  .form-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  h1{font-size:32px;}
}