/* ACGE Assurances — feuille de styles partagée */
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:#faf6f1;color:#2b2730;font-family:'Manrope',system-ui,-apple-system,sans-serif;line-height:1.5;-webkit-font-smoothing:antialiased}
::selection{background:#fbe0c4}
img{max-width:100%;display:block}
a{color:#c2541d}
a:hover{color:#9a4d22}
h1,h2,h3,h4{font-family:'Bricolage Grotesque',system-ui,sans-serif;color:#231f28;letter-spacing:-0.02em;line-height:1.08;margin:0}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding-left:clamp(20px,5vw,32px);padding-right:clamp(20px,5vw,32px)}
.narrow{max-width:820px}
.eyebrow{font-size:14px;font-weight:700;color:#9a4d22;letter-spacing:0.06em;text-transform:uppercase;margin:0}
.eyebrow.light{color:#f5a45a}
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:999px;border:none;cursor:pointer;font-family:inherit;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{color:#fff;background:linear-gradient(105deg,#ed2324 0%,#f5891e 100%);box-shadow:0 14px 30px -12px rgba(237,35,36,.55)}
.btn-ghost{color:#2b2730;background:#fff;border:1px solid #e9ddcf}
.btn-lg{padding:16px 28px;font-size:16px}
.btn-md{padding:12px 22px;font-size:15px}

/* header */
header.site{position:sticky;top:0;z-index:50;background:rgba(250,246,241,.88);backdrop-filter:blur(12px);border-bottom:1px solid #eee4d8}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:12px;padding-bottom:12px}
header.site img{height:40px;width:auto}
.nav{display:flex;align-items:center;gap:26px}
.nav .links{display:flex;align-items:center;gap:24px}
.nav a.navlink{text-decoration:none;color:#46414b;font-weight:600;font-size:15px}
.nav a.navlink:hover{color:#c2541d}
.menu-toggle{display:none}
.nav-mobile{display:none}
/* dropdown */
.has-drop{position:relative}
.drop{position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(6px);background:#fff;border:1px solid #eee4d8;border-radius:16px;box-shadow:0 24px 50px -24px rgba(90,40,20,.4);padding:10px;min-width:520px;display:grid;grid-template-columns:1fr 1fr;gap:4px;opacity:0;visibility:hidden;transition:all .16s ease;z-index:60}
.has-drop:hover .drop,.has-drop:focus-within .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:block;text-decoration:none;padding:10px 12px;border-radius:10px;color:#46414b}
.drop a:hover{background:#faf3ec;color:#231f28}
.drop a strong{display:block;font-size:14.5px;font-weight:700;color:#231f28}
.drop a span{font-size:12.5px;color:#8a838d}

/* hero */
.hero{position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:-180px;right:-160px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle at 30% 30%,rgba(245,137,30,.20),rgba(237,35,36,.05) 60%,transparent 72%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:clamp(32px,5vw,56px);align-items:center;padding-top:clamp(44px,7vw,76px);padding-bottom:clamp(44px,7vw,72px)}
.badge{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid #f0e0d0;padding:7px 14px;border-radius:999px;font-size:13px;font-weight:600;color:#9a4d22}
.badge .dot{width:8px;height:8px;border-radius:50%;background:linear-gradient(105deg,#ed2324,#f5891e)}
h1{font-weight:700;font-size:clamp(32px,6.5vw,58px);margin:22px 0 0;color:#231f28}
h1 .grad,.grad{background:linear-gradient(105deg,#ed2324 0%,#f5891e 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:19px;line-height:1.6;color:#615b65;margin:22px 0 0;max-width:540px}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}
.stats{display:flex;flex-wrap:wrap;gap:26px;margin-top:40px}
.stat{display:flex;flex-direction:column}
.stat b{font-family:'Bricolage Grotesque',sans-serif;font-weight:700;font-size:22px;color:#231f28}
.stat span{font-size:13px;color:#8a838d;font-weight:600}
.stat-div{width:1px;background:#e7dccd}
.hero-media{position:relative}
.hero-media .frame{position:relative;border-radius:22px;overflow:hidden;border:1px solid #ece1d3;box-shadow:0 30px 60px -28px rgba(90,40,20,.35);aspect-ratio:4/5}
.hero-media .frame::after{content:"";position:absolute;inset:auto;top:0;left:0;right:0;bottom:0}
.hero-media img{width:100%;height:100%;object-fit:cover}
.float-tag{position:absolute;right:16px;bottom:16px;background:#fff;border:1px solid #efe3d4;border-radius:16px;padding:14px 18px;box-shadow:0 18px 40px -18px rgba(90,40,20,.4);display:flex;align-items:center;gap:12px;text-decoration:none}
.float-tag .ic{width:40px;height:40px;border-radius:12px;background:linear-gradient(105deg,#ed2324,#f5891e);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-family:'Bricolage Grotesque',sans-serif}
.float-tag b{font-weight:700;font-size:14px;color:#231f28}
.float-tag span{font-size:12px;color:#8a838d;font-weight:600}

/* trust band */
.trust{border-top:1px solid #eee4d8;border-bottom:1px solid #eee4d8;background:#fff}
.trust .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;padding-top:22px;padding-bottom:22px}
.trust .label{font-size:14px;font-weight:700;color:#9a4d22;letter-spacing:.04em;text-transform:uppercase}
.trust .items{display:flex;flex-wrap:wrap;gap:26px;color:#6a646e;font-weight:600;font-size:15px}
.trust .items .sep{color:#d8cab9}

/* sections */
section{scroll-margin-top:80px}
.sec{padding-top:clamp(52px,8vw,92px);padding-bottom:clamp(8px,2vw,20px)}
.sec-head{max-width:640px}
.sec-head h2,.sec h2{font-weight:700;font-size:clamp(27px,5vw,40px);margin:12px 0 0}
.sec-head p{font-size:17px;color:#615b65;margin:14px 0 0}
.prose{max-width:760px;font-size:17px;color:#4f4953;line-height:1.72}
.prose h2{font-size:clamp(24px,4.4vw,34px);margin:44px 0 0}
.prose h3{font-size:20px;margin:30px 0 0;color:#231f28}
.prose p{margin:14px 0 0}
.prose ul{margin:14px 0 0;padding-left:0;list-style:none}
.prose ul li{position:relative;padding-left:26px;margin:10px 0;line-height:1.6}
.prose ul li::before{content:"";position:absolute;left:0;top:9px;width:12px;height:12px;border-radius:50%;background:linear-gradient(105deg,#ed2324,#f5891e)}
.prose strong{color:#231f28}
.prose a{font-weight:600}

/* card grid */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:34px}
.card{background:#fff;border:1px solid #efe5d8;border-radius:18px;padding:26px;text-decoration:none;color:inherit;display:block;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
a.card:hover{transform:translateY(-4px);box-shadow:0 22px 44px -26px rgba(120,55,20,.45);border-color:#f3d6b8}
.card . chip,.card .chip{width:46px;height:46px;border-radius:13px;background:#fdeede;display:flex;align-items:center;justify-content:center}
.card .chip .sq{width:16px;height:16px;border-radius:50%;background:linear-gradient(105deg,#ed2324,#f5891e)}
.card h3{font-weight:600;font-size:21px;margin:18px 0 0}
.card p{font-size:14.5px;color:#6a646e;line-height:1.55;margin:9px 0 0}
.card .more{display:inline-block;margin-top:14px;font-size:13.5px;font-weight:700;color:#c2541d}

/* dark section */
.dark{margin-top:72px;background:linear-gradient(165deg,#262029 0%,#1e1a22 100%);color:#f4efe9}
.dark h2{color:#fbf7f2}
.dark .wrap{padding-top:clamp(52px,8vw,84px);padding-bottom:clamp(52px,8vw,84px)}
.dark .grid{grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:20px}
.dark .card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09)}
.dark .card h3{color:#fbf7f2}
.dark .card p{color:#bdb4bd}
.ring{width:44px;height:44px;border-radius:50%;border:2px solid #f5891e;display:flex;align-items:center;justify-content:center}
.ring .in{width:14px;height:14px;border-radius:50%;background:linear-gradient(105deg,#ed2324,#f5891e)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;margin-top:40px}
.step{position:relative;background:#fff;border:1px solid #efe5d8;border-radius:18px;padding:30px}
.step .n{font-family:'Bricolage Grotesque',sans-serif;font-weight:700;font-size:15px;color:#fff;background:linear-gradient(105deg,#ed2324,#f5891e);width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.step h3{font-weight:600;font-size:20px;margin:16px 0 0}
.step p{font-size:15px;color:#6a646e;line-height:1.55;margin:9px 0 0}

/* FAQ */
.faq{margin-top:34px;max-width:820px}
.faq details{background:#fff;border:1px solid #efe5d8;border-radius:14px;padding:0;margin-bottom:12px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;font-family:'Bricolage Grotesque',sans-serif;font-weight:600;font-size:18px;color:#231f28;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:24px;color:#c2541d;font-weight:400;transition:transform .2s ease;line-height:1}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 24px 22px;font-size:15.5px;color:#5a545f;line-height:1.65;margin:0}

/* breadcrumb */
.crumbs{font-size:13px;color:#8a838d;padding-top:20px}
.crumbs a{color:#8a838d;text-decoration:none;font-weight:600}
.crumbs a:hover{color:#c2541d}
.crumbs .sep{margin:0 8px;color:#cabbaa}

/* CTA band */
.cta-band{margin-top:56px;background:linear-gradient(165deg,#262029 0%,#1e1a22 100%);color:#f4efe9;border-radius:24px;padding:clamp(30px,5vw,52px);position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;top:-90px;right:-70px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(245,137,30,.22),transparent 65%)}
.cta-band h2{color:#fbf7f2;font-size:clamp(26px,4vw,34px);position:relative}
.cta-band p{font-size:16px;color:#c3bac3;line-height:1.6;margin:12px 0 0;max-width:520px;position:relative}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px;position:relative}
.cta-band .btn-ghost{background:rgba(255,255,255,.08);color:#fbf7f2;border:1px solid rgba(255,255,255,.16)}

/* contact + form */
.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:clamp(28px,4vw,48px);align-items:stretch;margin-top:40px}
.contact-info{background:linear-gradient(165deg,#262029 0%,#1e1a22 100%);color:#f4efe9;border-radius:24px;padding:clamp(28px,5vw,44px);position:relative;overflow:hidden}
.contact-info::before{content:"";position:absolute;top:-90px;right:-70px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(245,137,30,.22),transparent 65%)}
.contact-info h2{color:#fbf7f2;font-size:34px;margin:12px 0 0;position:relative}
.contact-info p.desc{font-size:16px;color:#c3bac3;line-height:1.6;margin:14px 0 0;position:relative}
.contact-info .row{display:flex;flex-wrap:wrap;gap:28px;margin-top:30px;position:relative}
.contact-info .k{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#8f8791}
.contact-info .v{font-size:16px;color:#fbf7f2;text-decoration:none;font-weight:700;display:block;margin-top:5px}
.contact-info .hr{height:1px;background:rgba(255,255,255,.1);margin:24px 0;position:relative}
.form{background:#fff;border:1px solid #efe5d8;border-radius:24px;padding:clamp(24px,4vw,40px);box-shadow:0 30px 60px -40px rgba(90,40,20,.4)}
.form .two{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px}
.form label{display:flex;flex-direction:column;gap:7px;margin-top:14px}
.form label:first-child,.form .two label{margin-top:0}
.form .lbl{font-size:13px;font-weight:700;color:#46414b}
.form input,.form select,.form textarea{border:1px solid #e6dccd;border-radius:11px;padding:12px 14px;font-size:15px;background:#faf6f1;outline:none;font-family:inherit;color:#2b2730}
.form input:focus,.form select:focus,.form textarea:focus{border-color:#f5891e;background:#fff}
.form textarea{resize:vertical;line-height:1.5}
.consent{display:flex;align-items:flex-start;gap:10px;margin-top:16px;cursor:pointer}
.consent input{width:16px;height:16px;margin-top:3px;accent-color:#f5891e}
.consent span{font-size:12.5px;color:#8a838d;line-height:1.5}
.form button.submit{width:100%;margin-top:20px;border:none;cursor:pointer;color:#fff;background:linear-gradient(105deg,#ed2324 0%,#f5891e 100%);padding:15px;border-radius:13px;font-weight:700;font-size:16px;box-shadow:0 14px 30px -14px rgba(237,35,36,.55);font-family:inherit}

/* agency card */
.agency{background:#fff;border:1px solid #efe5d8;border-radius:18px;overflow:hidden;max-width:440px}
.agency iframe{width:100%;aspect-ratio:16/9;border:0;display:block}
.agency .body{padding:18px 20px}
.agency h3{font-weight:600;font-size:18px}
.agency p{font-size:14px;color:#6a646e;line-height:1.5;margin:6px 0 0}
.agency .hours{margin-top:14px;padding-top:14px;border-top:1px solid #f1e7da}
.agency .hk{font-size:11px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#c2541d}
.agency .hv{font-size:14px;color:#46414b;line-height:1.5;margin:6px 0 0}

/* footer */
footer.site{background:#1b181f;color:#cbc4cd;margin-top:0}
footer.site .wrap{padding-top:56px;padding-bottom:30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
footer.site img{height:44px;width:auto}
.foot-grid p{font-size:14px;color:#9a929d;line-height:1.6;margin:16px 0 0;max-width:320px}
.foot-h{font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#7d757f}
.foot-links{display:flex;flex-direction:column;gap:10px;margin-top:14px}
.foot-links a{text-decoration:none;color:#b7afb9;font-size:14px}
.foot-links a:hover{color:#f5a45a}
.foot-contact{font-size:14px;color:#b7afb9;line-height:1.6;margin-top:14px}
.foot-contact a{color:#b7afb9;text-decoration:none}
.foot-bar{height:1px;background:rgba(255,255,255,.08);margin-top:36px}
.foot-legal{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;padding-top:22px}
.foot-legal span,.foot-legal a{font-size:12.5px;color:#7d757f;text-decoration:none}
.foot-legal a:hover{color:#f5a45a}

@media (max-width:860px){
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav .links,.has-drop .drop{display:none}
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid #e9ddcf;background:#fff;border-radius:12px;cursor:pointer;font-size:20px;color:#46414b}
  .nav-mobile{display:none}
  header.site.open .nav-mobile{display:flex;flex-direction:column;gap:2px;position:absolute;left:0;right:0;top:100%;background:#faf6f1;border-bottom:1px solid #eee4d8;padding:10px clamp(20px,5vw,32px) 18px}
  header.site.open .nav-mobile a{padding:12px 6px;text-decoration:none;color:#46414b;font-weight:600;border-bottom:1px solid #eee4d8}
  .hero .frame{aspect-ratio:4/3}
  .float-tag{display:none}
  .foot-grid{grid-template-columns:1fr}
}