/* NESAR ASSURANCE · feuille de style
   Concept : un dossier de courtier, net et rangé. Le formulaire de rappel est visible dès l'ouverture,
   le reste du site sert à rassurer avant de le remplir. */
@font-face{font-family:"Lora";src:url("fonts/lora.woff") format("woff");font-weight:400 700;font-style:normal;font-display:swap}
@font-face{font-family:"Lora";src:url("fonts/lora-italic.woff") format("woff");font-weight:400 700;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-regular.woff") format("woff");font-weight:400;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-medium.woff") format("woff");font-weight:500;font-display:swap}
@font-face{font-family:"Inter";src:url("fonts/inter-semibold.woff") format("woff");font-weight:600;font-display:swap}

:root{
  --navy:#13294B;          /* couleur de marque */
  --brass:#B98A3E;         /* accent de marque (filets, puces) */
  --brass-text:#8A6424;    /* laiton lisible sur fond clair */
  --bg:#F3F5F8;            /* papier légèrement bleuté */
  --surface:#FFFFFF;
  --fg:#13294B;
  --body:#2E3D55;
  --muted:#5A6A82;
  --line:#DCE2EA;
  --band:#13294B;          /* bandeaux sombres */
  --band-fg:#F3F5F8;
  --focus:#2F6FD6;
  --ok:#1E7A4C;
  --err:#B3261E;
  --font-display:"Lora",Georgia,"Times New Roman",serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  --step--1:.875rem; --step-0:1.0625rem; --step-1:1.25rem; --step-2:1.6rem; --step-3:2.1rem; --step-4:clamp(2.1rem,4.4vw,3.1rem);
  --radius:10px;
  --wrap:1120px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --brass:#D2A75A;--brass-text:#D9B06A;--bg:#0C1729;--surface:#132239;--fg:#EEF2F8;--body:#C9D3E2;--muted:#94A3BA;--line:#24375A;--band:#081120;--band-fg:#EEF2F8;--focus:#7AA7F0;--ok:#5CC08C;--err:#F2867E;color-scheme:dark}}
:root[data-theme="dark"]{
  --brass:#D2A75A;--brass-text:#D9B06A;--bg:#0C1729;--surface:#132239;--fg:#EEF2F8;--body:#C9D3E2;--muted:#94A3BA;--line:#24375A;--band:#081120;--band-fg:#EEF2F8;--focus:#7AA7F0;--ok:#5CC08C;--err:#F2867E;color-scheme:dark}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--bg);color:var(--body);font-family:var(--font-body);font-size:var(--step-0);line-height:1.6}
img{max-width:100%;height:auto}
a{color:inherit}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}
h1,h2,h3{font-family:var(--font-display);color:var(--fg);font-weight:600;line-height:1.15;text-wrap:balance;margin:0;letter-spacing:-.01em}
h1{font-size:var(--step-4)}
h2{font-size:var(--step-3)}
h3{font-size:var(--step-1);line-height:1.3}
p{margin:0}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:20px}
.eyebrow{font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-text)}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;background:var(--surface);padding:8px 12px;z-index:10}

/* En-tête */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:5;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}
.brand img{height:42px;width:auto;display:block}
.brand .on-dark{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .brand .on-light{display:none}:root:not([data-theme="light"]) .brand .on-dark{display:block}}
:root[data-theme="dark"] .brand .on-light{display:none}:root[data-theme="dark"] .brand .on-dark{display:block}
.nav{display:flex;align-items:center;gap:22px;font-size:.95rem;font-weight:500}
.nav a{text-decoration:none;color:var(--fg)}
.nav a:hover{color:var(--brass-text)}
.nav a.btn,.nav a.btn:hover{color:#fff}
:root[data-theme="dark"] .nav a.btn{color:#13294B}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .nav a.btn{color:#13294B}}
@media (max-width:480px){.nav .btn{display:none}}
.nav .phone{font-variant-numeric:tabular-nums;white-space:nowrap}
@media (max-width:860px){.nav .link{display:none}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem/1 var(--font-body);padding:14px 22px;border-radius:999px;border:0;cursor:pointer;text-decoration:none;white-space:nowrap;background:var(--navy);color:#fff;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn.brass{background:var(--brass);color:#13294B}
:root[data-theme="dark"] .btn:not(.brass){background:#F3F5F8;color:#13294B}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .btn:not(.brass){background:#F3F5F8;color:#13294B}}
.btn.small{padding:10px 16px;font-size:.92rem}

/* Hero */
.hero{padding-block:56px 64px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:start}
@media (max-width:920px){.hero .wrap{grid-template-columns:1fr;gap:36px}.hero{padding-block:36px 48px}}
.hero-copy{display:flex;flex-direction:column;gap:22px;padding-top:18px;min-width:0}
.hero-copy .lead{font-size:var(--step-1);line-height:1.55;max-width:34em}
.hero-copy h1 em{font-style:italic;color:var(--brass-text);font-weight:500}
.checks{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.checks li{display:flex;gap:12px;align-items:baseline}
.checks li::before{content:"";flex:none;width:14px;height:8px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg) translateY(-3px)}
.reg{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:var(--step--1);color:var(--muted);padding-top:18px;border-top:1px solid var(--line)}
.reg strong{color:var(--fg);font-weight:600;font-variant-numeric:tabular-nums}

/* Formulaire */
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 18px 40px -24px rgba(19,41,75,.35);min-width:0;scroll-margin-top:90px}
.form-card h2{font-size:var(--step-2)}
.form-card .sub{color:var(--muted);font-size:.95rem;margin-top:6px}
form{display:grid;gap:16px;margin-top:22px}
fieldset{border:0;margin:0;padding:0;min-width:0}
legend,.lbl{display:block;font-size:.88rem;font-weight:600;color:var(--fg);margin-bottom:8px}
.lbl .opt{font-weight:400;color:var(--muted)}
.needs{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.needs input{position:absolute;opacity:0;pointer-events:none}
.needs label{display:flex;align-items:center;gap:10px;padding:11px 12px;border:1px solid var(--line);border-radius:var(--radius);cursor:pointer;font-size:.93rem;font-weight:500;color:var(--fg);background:var(--bg);line-height:1.25}
.needs label::before{content:"";flex:none;width:14px;height:14px;border-radius:50%;border:2px solid var(--muted)}
.needs input:checked+label{border-color:var(--brass);background:color-mix(in srgb,var(--brass) 12%,var(--surface))}
.needs input:checked+label::before{border-color:var(--brass);background:radial-gradient(circle,var(--brass) 45%,transparent 50%)}
.needs input:focus-visible+label{outline:3px solid var(--focus);outline-offset:2px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:460px){.row,.needs{grid-template-columns:1fr}}
input[type=text],input[type=tel],input[type=email],select,textarea{width:100%;font:inherit;font-size:1rem;color:var(--fg);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:12px 13px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--focus);box-shadow:0 0 0 3px color-mix(in srgb,var(--focus) 25%,transparent)}
textarea{min-height:84px;resize:vertical}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;line-height:1.45;color:var(--muted)}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--navy)}
.consent a{color:var(--fg)}
.form-card .btn{width:100%;padding-block:16px}
.fine{font-size:.78rem;color:var(--muted);line-height:1.5}
.hp{position:absolute;left:-5000px}
.msg{padding:14px 16px;border-radius:var(--radius);font-size:.95rem}
.msg.ok{background:color-mix(in srgb,var(--ok) 12%,var(--surface));color:var(--fg);border:1px solid color-mix(in srgb,var(--ok) 40%,transparent)}
.msg.err{background:color-mix(in srgb,var(--err) 10%,var(--surface));color:var(--fg);border:1px solid color-mix(in srgb,var(--err) 40%,transparent)}

/* Sections */
section.block{padding-block:72px;border-top:1px solid var(--line)}
@media (max-width:700px){section.block{padding-block:52px}}
.head{display:flex;flex-direction:column;gap:12px;max-width:44rem;margin-bottom:36px}
.head p{font-size:var(--step-1);line-height:1.55}

.offers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:900px){.offers{grid-template-columns:1fr}}
.offer{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:28px;display:flex;flex-direction:column;gap:14px;min-width:0}
.offer .tag{font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.offer.featured{border-color:var(--brass);box-shadow:inset 0 3px 0 var(--brass)}
.offer.featured .tag{color:var(--brass-text)}
.offer ul{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:.95rem}
.offer li{padding-left:20px;position:relative}
.offer li::before{content:"";position:absolute;left:0;top:.7em;width:10px;height:2px;background:var(--brass)}
.offer .law{font-family:var(--font-display);font-style:italic;color:var(--fg)}
.offer a.more{margin-top:auto;font-weight:600;color:var(--fg);text-decoration-color:var(--brass);text-underline-offset:4px;text-decoration-thickness:2px}

.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;counter-reset:s}
@media (max-width:820px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;display:grid;gap:8px;padding-top:20px;border-top:2px solid var(--fg);min-width:0}
.steps li::before{content:"Étape " counter(s);font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--brass-text)}

.why{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px 48px}
@media (max-width:760px){.why{grid-template-columns:1fr}}
.why div{display:grid;gap:6px;min-width:0;align-content:start}

.faq{display:grid;gap:0;max-width:52rem}
.faq details{border-bottom:1px solid var(--line);padding-block:6px}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;padding-block:14px;font-weight:600;color:var(--fg);font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--font-display);font-size:1.5rem;line-height:1;color:var(--brass-text);flex:none}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:16px;max-width:44rem}

.cta-band{background:var(--band);color:var(--band-fg);padding-block:56px}
.cta-band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-band h2{color:var(--band-fg);font-size:var(--step-3)}
.cta-band p{color:color-mix(in srgb,var(--band-fg) 75%,transparent);margin-top:8px}
.cta-band .tel{font-variant-numeric:tabular-nums;font-weight:600;color:var(--band-fg);font-size:1.15rem;text-decoration:none;white-space:nowrap}
.cta-band .actions{display:flex;flex-wrap:wrap;align-items:center;gap:20px}

footer{background:var(--band);color:color-mix(in srgb,var(--band-fg) 70%,transparent);font-size:.85rem;line-height:1.6;padding-block:40px 48px;border-top:1px solid color-mix(in srgb,var(--band-fg) 12%,transparent)}
footer .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px}
@media (max-width:760px){footer .wrap{grid-template-columns:1fr}}
footer img{height:40px;width:auto}
footer a{color:var(--band-fg)}
footer .links{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:14px}
footer p+p{margin-top:10px}
footer .contact{margin-top:14px;font-variant-numeric:tabular-nums}

/* Pages légales */
.legal{padding-block:48px 72px}
.legal .wrap{max-width:820px}
.legal h1{font-size:var(--step-3);margin-bottom:8px}
.legal h2{font-size:var(--step-2);margin-top:44px;margin-bottom:12px;scroll-margin-top:90px}
.legal h3{margin-top:22px;margin-bottom:6px;font-family:var(--font-body);font-size:1rem;font-weight:600}
.legal p,.legal ul{margin-block:0 12px}
.legal ul{padding-left:20px}
.legal .toc{display:flex;flex-wrap:wrap;gap:8px 18px;padding:16px 0;border-block:1px solid var(--line);margin-block:20px 8px;font-size:.92rem}
.legal .toc a{color:var(--fg);font-weight:500}
.todo{background:color-mix(in srgb,#E8B931 30%,transparent);color:var(--fg);padding:1px 6px;border-radius:4px;font-weight:600}
dl.ident{display:grid;grid-template-columns:minmax(0,13rem) minmax(0,1fr);gap:6px 18px;margin:0 0 12px}
dl.ident dt{color:var(--muted)}
dl.ident dd{margin:0;color:var(--fg)}
@media (max-width:560px){dl.ident{grid-template-columns:1fr}dl.ident dd{margin-bottom:8px}}

.thanks{padding-block:96px;text-align:left}
.thanks .wrap{max-width:640px;display:grid;gap:18px}