/* Assurance de Prêt Online — feuille de style unique */
:root {
  --blue-900: #0e2a5c;
  --blue-700: #1c4fa3;
  --blue-500: #2f6fd6;
  --blue-50: #eef4fc;
  --ice: #f6f9fd;
  --orange: #ee7d1a;
  --orange-dark: #cf6a0f;
  --yellow: #f6c344;
  --ink: #1d2433;
  --muted: #5b667a;
  --line: #dde5f0;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 6px 24px rgba(14, 42, 92, .08);
  --max: 1160px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-700); text-underline-offset: 3px; }
a:hover { color: var(--orange-dark); }
h1, h2, h3 { line-height: 1.2; color: var(--blue-900); letter-spacing: -.01em; }
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); margin: 0 0 .6rem; }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); margin: 2.2rem 0 1rem; }
h3 { font-size: 1.2rem; margin: 1.6rem 0 .6rem; }
strong { color: var(--blue-900); }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: #fff; padding: 8px 12px; }

/* ---------- Boutons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  padding: .8em 1.4em; border-radius: 999px;
  font-weight: 700; text-decoration: none; line-height: 1.2;
  transition: transform .15s, background .15s, box-shadow .15s;
}
.btn-primary { background: var(--orange); color: #fff; box-shadow: 0 4px 14px rgba(238, 125, 26, .35); }
.btn-primary:hover { background: var(--orange-dark); color: #fff; transform: translateY(-1px); }
.btn-ghost { border: 2px solid currentColor; color: var(--blue-700); }
.btn-ghost:hover { color: var(--blue-900); background: var(--blue-50); }
.btn-light { background: #fff; color: var(--blue-900); }
.btn-light:hover { color: var(--orange-dark); }

/* ---------- En-tête ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .95);
  backdrop-filter: saturate(160%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; min-height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--blue-900); }
.brand img { width: 40px; height: 47px; }
.brand-name { font-weight: 800; font-size: 1.05rem; line-height: 1.1; }
.brand-name small { display: block; font-weight: 600; font-size: .78rem; color: var(--muted); }
.nav { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.nav a {
  text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem;
  padding: .5em .75em; border-radius: 8px;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--blue-700); background: var(--blue-50); }
.nav .btn { margin-left: 8px; color: #fff; padding: .65em 1.2em; }
.nav .btn:hover { background: var(--orange-dark); color: #fff; }
.nav-toggle {
  display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer;
  color: var(--blue-900);
}
.nav-toggle svg { width: 28px; height: 28px; }

@media (max-width: 960px) {
  .nav-toggle { display: block; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 20px;
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a { padding: .85em .5em; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .btn { margin: 14px 0 0; justify-content: center; border-radius: 999px; border: 0; }
}

/* ---------- Héros (accueil) ---------- */
.hero {
  background: radial-gradient(1200px 500px at 85% 10%, #dbe9fb 0, transparent 60%), var(--ice);
  padding: 56px 0 64px;
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em;
  color: var(--orange-dark); background: #fff3e6; padding: .35em .8em; border-radius: 999px; margin-bottom: 14px;
}
.hero h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
.hero h1 em { font-style: normal; color: var(--orange); }
.hero .lead { font-size: 1.2rem; color: var(--muted); margin: 0 0 28px; max-width: 34em; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-art { justify-self: center; max-width: 280px; filter: drop-shadow(0 18px 30px rgba(14, 42, 92, .18)); }
.hero-points { display: flex; flex-wrap: wrap; gap: 8px 22px; margin: 26px 0 0; padding: 0; list-style: none; font-weight: 600; color: var(--blue-900); font-size: .95rem; }
.hero-points li::before { content: "✓"; color: var(--orange); font-weight: 800; margin-right: .4em; }
@media (max-width: 760px) {
  .hero { padding: 36px 0 44px; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-art { max-width: 170px; order: -1; }
}

/* ---------- En-tête de page intérieure ---------- */
.page-head { background: var(--ice); border-bottom: 1px solid var(--line); padding: 40px 0 34px; }
.page-head .lead { color: var(--muted); font-size: 1.12rem; margin: 0; max-width: 46em; }
.crumbs { font-size: .88rem; color: var(--muted); margin-bottom: 10px; }
.crumbs a { color: var(--muted); }

/* ---------- Sections ---------- */
.section { padding: 64px 0; }
.section-alt { background: var(--ice); }
.section-title { text-align: center; max-width: 720px; margin: 0 auto 36px; }
.section-title h2 { margin-top: 0; }
.section-title p { color: var(--muted); margin: 0; }

.cards { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow);
}
.card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }
.card-icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--blue-50); color: var(--blue-700); margin-bottom: 14px;
}
.card-icon svg { width: 24px; height: 24px; }
a.card { text-decoration: none; color: inherit; display: block; transition: transform .15s, border-color .15s; }
a.card:hover { transform: translateY(-3px); border-color: var(--blue-500); }
a.card .more { color: var(--blue-700); font-weight: 700; }

.split { display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: center; }
.split img { max-width: 340px; margin: 0 auto; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } .split img { max-width: 240px; } }

.quote {
  font-size: clamp(1.2rem, 2.4vw, 1.55rem); font-weight: 700; color: var(--blue-900);
  text-align: center; max-width: 820px; margin: 0 auto; line-height: 1.4;
}
.quote::before { content: "“"; display: block; color: var(--orange); font-size: 3rem; line-height: .6; margin-bottom: 8px; }
.quote::after { content: "”"; display: block; color: var(--orange); font-size: 3rem; line-height: .6; margin-top: 18px; }

/* ---------- Contenu éditorial ---------- */
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; padding: 48px 0 64px; }
.layout.single { grid-template-columns: minmax(0, 780px); justify-content: center; }
@media (max-width: 960px) { .layout { grid-template-columns: 1fr; gap: 32px; } }

.prose > :first-child { margin-top: 0; }
.prose p, .prose li { max-width: 46em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin: .4em 0; }
.prose li::marker { color: var(--orange); font-weight: 700; }
.prose .figure { float: right; width: 260px; margin: 0 0 20px 28px; }
@media (max-width: 640px) { .prose .figure { float: none; width: 200px; margin: 0 auto 20px; } }
.prose .clear { clear: both; }

.callout {
  border-left: 4px solid var(--orange); background: #fff7ef;
  padding: 16px 20px; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.4em 0;
}
.callout p { margin: 0; }
.callout.blue { border-color: var(--blue-500); background: var(--blue-50); }

/* Encadrés latéraux */
.aside { display: flex; flex-direction: column; gap: 20px; }
.aside .card { padding: 22px; font-size: .95rem; }
.aside .card h2 { font-size: 1.12rem; margin: 0 0 .7rem; }
.aside .card ul { padding-left: 1.1em; }
.aside .card li { margin: .35em 0; }
.aside .card li::marker { color: var(--orange); }
.aside .card img { width: 150px; margin: 0 auto 10px; }
.aside .cta-card { background: var(--blue-900); color: #dbe6f7; border: 0; }
.aside .cta-card h2, .aside .cta-card strong { color: #fff; }
.aside .links { list-style: none; padding: 0; margin: 0; }
.aside .links li { border-top: 1px solid var(--line); margin: 0; }
.aside .links li:first-child { border-top: 0; }
.aside .links a { display: block; padding: .6em 0; text-decoration: none; font-weight: 600; }
.aside .links a::after { content: " →"; color: var(--orange); }

/* Étapes */
.steps { list-style: none; counter-reset: step; padding: 0; margin: 28px 0; position: relative; }
.steps li { counter-increment: step; position: relative; padding: 0 0 26px 64px; max-width: none; }
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: -4px;
  width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center;
  background: var(--blue-700); color: #fff; font-weight: 800;
}
.steps li::after { content: ""; position: absolute; left: 20px; top: 42px; bottom: 2px; width: 2px; background: var(--line); }
.steps li:last-child::after { display: none; }
.steps li:last-child::before { background: var(--orange); }

/* FAQ */
.faq details {
  border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
  margin: 0 0 14px; box-shadow: var(--shadow);
}
.faq summary {
  cursor: pointer; list-style: none; padding: 18px 56px 18px 22px; position: relative;
  font-weight: 700; color: var(--blue-900); font-size: 1.08rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  font-size: 1.6rem; color: var(--orange); font-weight: 400;
}
.faq details[open] summary::after { content: "−"; }
.faq .answer { padding: 0 22px 18px; }
.faq .answer > :first-child { margin-top: 0; }

/* Mentions légales */
.legal { font-size: .95rem; }
.legal h2 { font-size: 1.25rem; margin-top: 2.4rem; }
.legal h3 { font-size: 1.05rem; }

.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin: 0 0 32px; }
.contact-grid .card { text-align: center; }
.contact-grid .card a, .contact-grid .card .big { font-weight: 700; font-size: 1.05rem; word-break: break-word; }

/* ---------- Bandeau CTA ---------- */
.cta-band { background: linear-gradient(120deg, var(--blue-900), var(--blue-700)); color: #dbe6f7; padding: 48px 0; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin: 0 0 .3rem; }
.cta-band p { margin: 0; }

/* ---------- Pied de page ---------- */
.site-footer { background: #0a1f45; color: #aebbd3; font-size: .92rem; padding: 48px 0 24px; }
.site-footer a { color: #dbe6f7; text-decoration: none; }
.site-footer a:hover { color: var(--yellow); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
.footer-grid h3 { color: #fff; font-size: 1rem; margin: 0 0 .8rem; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin: .35em 0; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 32px; padding-top: 18px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; font-size: .85rem; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }