:root{
 --navy:#06263a;
 --navy2:#0b3e59;
 --blue:#0088c9;
 --cyan:#20bde5;
 --pale:#eef7fb;
 --line:#cedde4;
 --ink:#112936;
 --muted:#637985;
 --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Manrope",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
img{display:block;width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}
.topbar{background:var(--navy);color:#c7d9e2;font-size:.74rem}
.topbar-inner{min-height:36px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.topbar a{color:#fff}.sep{margin:0 10px;color:#678392}
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);transition:.3s}
.site-header.scrolled{border-bottom-color:#9fb8c4}
.nav-main{height:88px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:62px;height:62px;object-fit:contain;border:1px solid var(--line)}
.brand div{display:flex;flex-direction:column;line-height:1.2}
.brand strong{font-size:1.05rem;letter-spacing:-.02em}
.brand span{font-size:.72rem;color:var(--muted)}
.main-nav{display:flex;align-items:center;gap:26px;font-size:.88rem;font-weight:600}
.main-nav>a{padding:33px 0 31px;border-bottom:3px solid transparent}
.main-nav>a:hover,.main-nav>a.active{border-bottom-color:var(--blue);color:var(--blue)}
.main-nav .nav-cta{background:var(--blue);color:#fff;padding:13px 17px;border:0}
.main-nav .nav-cta:hover{background:var(--navy);color:#fff;border:0}
.menu-toggle{display:none;background:none;border:0;padding:10px}
.menu-toggle span{display:block;width:28px;height:2px;background:var(--navy);margin:6px 0}

.page-hero{position:relative;overflow:hidden;background:linear-gradient(105deg,#f4fbfe 0 55%,#e1f4fb 55% 100%);padding:72px 0}
.page-hero::after{content:"";position:absolute;left:52%;top:0;height:100%;width:120px;background:var(--cyan);clip-path:polygon(65% 0,100% 0,35% 100%,0 100%);opacity:.16}
.hero-layout{display:grid;grid-template-columns:1fr .92fr;gap:70px;align-items:center;position:relative;z-index:1}
.hero-copy h1{font-size:clamp(3rem,5.3vw,5.25rem);line-height:1.03;letter-spacing:-.055em;margin:0;color:var(--navy);max-width:790px}
.hero-copy p{font-size:1.05rem;color:var(--muted);max-width:660px;margin:26px 0 30px}
.kicker{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.72rem;color:var(--blue);display:inline-block;margin-bottom:14px}
.kicker.light{color:#8fe9ff}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;border:1px solid var(--blue);padding:13px 20px;font-weight:700;transition:.22s}
.btn:hover{background:var(--navy);border-color:var(--navy);transform:translateY(-2px)}
.btn-line{background:transparent;color:var(--navy);border-color:#93aeba}
.btn-line:hover{color:#fff}
.btn-white{background:#fff;color:var(--navy);border-color:#fff}
.hero-media{margin:0;position:relative}
.hero-media img{height:520px;object-fit:cover}
.hero-media figcaption{position:absolute;left:-28px;bottom:22px;background:var(--navy);color:#fff;padding:13px 18px;font-size:.74rem;letter-spacing:.05em;text-transform:uppercase}
.section{padding:92px 0}
.alt-section{background:var(--pale)}
.dark-section{background:var(--navy);color:#fff}
.dark-section h2,.dark-section h3{color:#fff}
.dark-section p{color:#c4d6df}
.section-heading{max-width:720px;margin-bottom:42px}
.section-heading h2,.image-text h2,.cta-grid h2{font-size:clamp(2.2rem,3.6vw,3.45rem);line-height:1.08;letter-spacing:-.04em;margin:0;color:var(--navy)}
.dark-section .section-heading h2,.dark-section .image-text h2,.cta-grid h2{color:#fff}
.section-heading p{color:var(--muted);margin:14px 0 0}
.products-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.product-card{position:relative;padding:26px;min-height:235px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;transition:.25s}
.product-card:hover{background:#f3fbff;transform:translateY(-3px)}
.product-card .thumb{height:150px;margin:-26px -26px 22px;overflow:hidden;border-bottom:1px solid var(--line)}
.product-card .thumb img{height:100%;object-fit:cover;transition:.5s}
.product-card:hover .thumb img{transform:scale(1.03)}
.product-index{font-size:.72rem;color:var(--blue);font-weight:800}
.product-card h3{font-size:1rem;margin:10px 0 8px;color:var(--navy)}
.product-card p{font-size:.84rem;color:var(--muted);margin:0 0 18px}
.arrow,.text-link{font-size:.82rem;font-weight:800;color:var(--blue)}
.center-action{text-align:center;margin-top:30px}
.intro-strip,.metric-section{background:#fff}
.split-two{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split-two>div{padding:35px 34px}
.split-two>div+div{border-left:1px solid var(--line)}
.big-number{display:block;font-size:clamp(2.5rem,5vw,5.2rem);font-weight:800;letter-spacing:-.06em;color:var(--blue);line-height:1}
.split-two p{max-width:420px;margin:12px 0 0;color:var(--muted)}
.image-text{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.image-text.reverse figure{order:2}
.image-text figure{margin:0;position:relative}
.image-text figure::before{content:"";position:absolute;left:-18px;top:-18px;width:90px;height:90px;border-left:8px solid var(--cyan);border-top:8px solid var(--cyan)}
.image-text img{height:500px;object-fit:cover}
.image-text p{color:var(--muted)}
.tick-list{list-style:none;padding:0;margin:26px 0;display:grid;gap:10px}
.tick-list li{padding-left:22px;position:relative}
.tick-list li::before{content:"";position:absolute;left:0;top:.7em;width:8px;height:8px;background:var(--cyan)}
.audience-grid,.values-grid,.benefits-grid,.contact-grid-cards{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.audience-grid article,.value-block,.benefit,.contact-block{padding:30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.audience-grid span,.value-block span,.contact-block>span{color:var(--blue);font-size:.76rem;font-weight:800}
.audience-grid h3,.value-block h3,.benefit h3,.contact-block h3{margin:12px 0 8px;color:var(--navy)}
.audience-grid p,.value-block p,.benefit p,.contact-block p{margin:0;color:var(--muted);font-size:.88rem}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.step{padding:28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.step b{display:block;color:var(--cyan);font-size:1.35rem}
.step h3{margin:20px 0 7px}.step p{margin:0;color:var(--muted);font-size:.86rem}
.dark-section .step p{color:#c4d6df}.dark-section .step{border-color:#36586a}
.cta-section{background:linear-gradient(105deg,var(--blue) 0 78%,var(--cyan) 78% 100%);color:#fff}
.cta-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}
.cta-grid p{color:#e6f8ff;margin:0 0 20px}
.filter-bar{display:flex;align-items:center;justify-content:space-between;border-bottom:2px solid var(--navy);gap:20px}
.filter-bar input{border:0;padding:16px 0;font-size:1rem;outline:none;flex:1;background:transparent}
.filter-bar span{font-size:.78rem;color:var(--muted)}
.products-grid-image .product-card{min-height:430px}
.quote-panel{border-left:10px solid var(--cyan);padding:35px 40px;background:var(--pale)}
.quote-panel blockquote{font-size:clamp(1.5rem,3vw,2.4rem);line-height:1.3;margin:0 0 12px;color:var(--navy)}
.quote-panel span{color:var(--muted);font-size:.8rem}
.form-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}
.quote-form{border-top:5px solid var(--blue);padding-top:26px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.quote-form label{display:grid;gap:8px;font-size:.78rem;font-weight:700;margin-bottom:17px}
input,select,textarea{width:100%;padding:13px 0;border:0;border-bottom:1px solid #9fb5c0;background:transparent;outline:none}
input:focus,select:focus,textarea:focus{border-bottom-color:var(--blue)}
.small-note,.note{font-size:.76rem;color:var(--muted)}
.narrow{max-width:820px}
.accordion details{border-top:1px solid var(--line);padding:20px 0}
.accordion details:last-child{border-bottom:1px solid var(--line)}
.accordion summary{cursor:pointer;font-weight:700;list-style:none;position:relative;padding-right:35px}
.accordion summary::after{content:"+";position:absolute;right:0;top:-4px;font-size:1.6rem;color:var(--blue)}
.accordion details[open] summary::after{content:"−"}
.accordion p{color:var(--muted);margin:12px 0 0}
.benefits-grid{grid-template-columns:repeat(3,1fr)}
.benefit>span{display:block;font-size:1.1rem;color:var(--blue);font-weight:800}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.related-link{display:flex;justify-content:space-between;gap:20px;padding:22px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.related-link:hover{background:var(--pale)}
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse}
th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line);font-size:.86rem}
th{background:var(--navy);color:#fff}
td a{color:var(--blue);font-weight:700}
.site-footer{background:#041a28;color:#fff;padding:65px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.4fr .8fr 1fr 1fr;gap:45px}
.footer-brand img{border-color:#325365}
.footer-brand span{color:#8aa7b5}
.footer-grid p,.footer-grid li{font-size:.8rem;color:#9eb6c1}
.footer-grid ul{list-style:none;padding:0;margin:12px 0 0;display:grid;gap:8px}
.footer-grid h3{font-size:.85rem;margin:0}
.footer-grid a:hover{color:#fff}
.footer-bottom{border-top:1px solid #284657;margin-top:40px;padding-top:18px;display:flex;justify-content:space-between;font-size:.72rem;color:#7f9aa7}
.wa{position:fixed;right:20px;bottom:20px;width:52px;height:52px;background:#21bf65;color:#fff;display:grid;place-items:center;font-weight:800;z-index:40}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media(max-width:980px){
 .topbar{display:none}.nav-main{height:76px}.brand img{width:52px;height:52px}
 .menu-toggle{display:block}
 .main-nav{position:absolute;top:76px;left:20px;right:20px;background:#fff;border:1px solid var(--line);display:none;flex-direction:column;align-items:stretch;gap:0;padding:8px 18px}
 .main-nav.open{display:flex}
 .main-nav>a{padding:13px 0;border-bottom:1px solid var(--line)}
 .main-nav .nav-cta{margin:10px 0;padding:13px}
 .hero-layout,.image-text,.form-layout,.cta-grid{grid-template-columns:1fr}
 .hero-media img{height:460px}.hero-media figcaption{left:0}
 .image-text.reverse figure{order:0}
 .products-grid{grid-template-columns:repeat(2,1fr)}
 .audience-grid,.values-grid,.benefits-grid,.contact-grid-cards{grid-template-columns:repeat(2,1fr)}
 .steps-grid{grid-template-columns:repeat(2,1fr)}
 .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
 .container{width:min(100% - 28px,1180px)}
 .brand strong{font-size:.92rem}.brand span{font-size:.63rem}
 .page-hero{padding:50px 0}.hero-copy h1{font-size:3rem}
 .hero-media img{height:340px}
 .section{padding:68px 0}
 .products-grid,.audience-grid,.values-grid,.benefits-grid,.contact-grid-cards,.steps-grid,.related-grid,.split-two,.footer-grid,.form-row{grid-template-columns:1fr}
 .split-two>div+div{border-left:0;border-top:1px solid var(--line)}
 .image-text{gap:45px}.image-text img{height:360px}
 .cta-section{background:var(--blue)}
 .footer-bottom{flex-direction:column;gap:8px}
}

/* ===== Page d'accueil : cartes, icônes, effets de survol ===== */
.icon-svg{display:block;width:100%;height:100%}
.icon-svg svg{width:100%;height:100%;display:block}

/* Cartes statistiques (toute valeur chiffrée affichée seule vit dans une carte) */
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:8px}
.stat-card{background:#fff;padding:32px 26px;position:relative;overflow:hidden;transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s cubic-bezier(.2,.8,.2,1)}
.stat-card::before{content:"";position:absolute;left:0;top:0;height:3px;width:0;background:var(--blue);transition:width .35s ease}
.stat-card:hover{transform:translateY(-6px);box-shadow:0 22px 46px -18px rgba(6,38,58,.35);z-index:2}
.stat-card:hover::before{width:100%}
.stat-icon{width:48px;height:48px;display:grid;place-items:center;background:var(--pale);color:var(--blue);margin-bottom:20px;transition:background .3s,color .3s,transform .3s}
.stat-icon .icon-svg{width:24px;height:24px}
.stat-card:hover .stat-icon{background:var(--blue);color:#fff;transform:scale(1.08)}
.stat-value{display:block;font-size:clamp(2rem,3.4vw,2.7rem);font-weight:800;letter-spacing:-.04em;color:var(--navy);line-height:1}
.stat-card p{margin:9px 0 0;color:var(--muted);font-size:.86rem;max-width:210px}

/* Cartes solutions (grille d'assurances, photo en bandeau) */
.solutions-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:8px}
.solution-card{position:relative;background:#fff;padding:0 26px 26px;transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s cubic-bezier(.2,.8,.2,1),background .35s;display:flex;flex-direction:column;min-height:290px;overflow:hidden}
.solution-card:hover{transform:translateY(-6px);box-shadow:0 24px 50px -18px rgba(6,38,58,.32);z-index:2;background:#fbfeff}
.solution-media{height:150px;margin:0 -26px 22px;overflow:hidden;border-bottom:1px solid var(--line)}
.solution-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.solution-card:hover .solution-media img{transform:scale(1.06)}
.solution-card h3{font-size:1rem;margin:0 0 8px;color:var(--navy)}
.solution-card p{font-size:.84rem;color:var(--muted);margin:0 0 20px;flex:1}
.solution-card .arrow{display:inline-flex;align-items:center;gap:6px;transition:gap .25s,color .25s}
.solution-card:hover .arrow{gap:11px;color:var(--navy)}

/* Cartes profils (particuliers / professionnels / entreprises), photo en bandeau */
.audience-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:8px}
.audience-card{background:#fff;padding:0 28px 30px;transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s cubic-bezier(.2,.8,.2,1);overflow:hidden}
.audience-card:hover{transform:translateY(-6px);box-shadow:0 24px 50px -18px rgba(6,38,58,.32);z-index:2}
.audience-media{height:170px;margin:0 -28px 22px;overflow:hidden;border-bottom:1px solid var(--line)}
.audience-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.audience-card:hover .audience-media img{transform:scale(1.06)}
.audience-card h3{margin:0 0 8px;color:var(--navy)}
.audience-card p{margin:0;color:var(--muted);font-size:.88rem}

/* Timeline animée « Comment ça marche ? » : ligne qui se dessine + photos en cascade */
.timeline{position:relative}
.timeline.reveal{opacity:1;transform:none} /* la carte-mère ne doit pas elle-même glisser : seule la ligne s'anime */
.timeline-track{position:absolute;top:44px;left:0;right:0;height:2px;background:var(--line);overflow:hidden}
.timeline-fill{height:100%;width:0;background:linear-gradient(90deg,var(--blue),var(--cyan));transition:width 1.2s cubic-bezier(.25,.85,.3,1)}
.timeline.in .timeline-fill{width:100%}
.timeline-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.timeline-step{text-align:center}
.timeline-media{position:relative;width:92px;height:92px;margin:0 auto 22px;border:3px solid #fff;box-shadow:0 0 0 2px var(--line);overflow:hidden;background:var(--pale);transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s}
.timeline-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.timeline-step:hover .timeline-media{transform:translateY(-6px);box-shadow:0 0 0 2px var(--blue),0 18px 34px -14px rgba(6,38,58,.4)}
.timeline-step:hover .timeline-media img{transform:scale(1.1)}
.timeline-num{position:absolute;right:-6px;bottom:-6px;width:26px;height:26px;background:var(--navy);color:#fff;font-size:.7rem;font-weight:800;display:grid;place-items:center;border:2px solid #fff}
.timeline-step h3{margin:0 0 6px;font-size:.98rem;color:var(--navy)}
.timeline-step p{margin:0;color:var(--muted);font-size:.84rem}

/* Liste à puces avec icône de validation (remplace le simple point) */
.tick-list.icon-list li{position:relative;padding-left:32px}
.tick-list.icon-list li::before{display:none}
.tick-icon{position:absolute;left:0;top:.1em;width:20px;height:20px;background:var(--cyan);color:var(--navy);display:grid;place-items:center}
.tick-icon .icon-svg{width:12px;height:12px}

/* Badge chiffré flottant sur une photo (jamais un nombre sans carte + visuel) */
.image-text figure{overflow:visible}
.floating-badge{position:absolute;right:-22px;bottom:-22px;background:#fff;border:1px solid var(--line);box-shadow:0 22px 46px -18px rgba(6,38,58,.38);padding:20px 24px;display:flex;align-items:center;gap:16px;z-index:2;transition:transform .3s}
.floating-badge:hover{transform:translateY(-4px)}
.floating-badge .stat-icon{margin:0}
.floating-badge strong{display:block;font-size:1.7rem;color:var(--navy);letter-spacing:-.03em;line-height:1}
.floating-badge span{font-size:.76rem;color:var(--muted)}

.cta-icon{width:50px;height:50px;background:rgba(255,255,255,.16);display:grid;place-items:center;margin-bottom:18px;color:#fff}
.cta-icon .icon-svg{width:24px;height:24px}

@media(max-width:980px){
 .stats-grid,.solutions-grid,.audience-cards{grid-template-columns:repeat(2,1fr)}
 .floating-badge{position:static;margin-top:-1px;box-shadow:none;border-top:0}
 .timeline-track{display:none}
 .timeline-steps{grid-template-columns:repeat(2,1fr);gap:36px 20px}
}
@media(max-width:620px){
 .stats-grid,.solutions-grid,.audience-cards{grid-template-columns:1fr}
 .timeline-steps{grid-template-columns:1fr;gap:0}
 .timeline-step{display:flex;align-items:center;gap:18px;text-align:left;padding:16px 0;border-bottom:1px solid var(--line)}
 .timeline-step:last-child{border-bottom:0}
 .timeline-media{margin:0;flex:0 0 auto}
}

/* Formulaire Symfony & messages flash */
.quote-form .form-error,.quote-form ul li{color:#b3261e;font-size:.76rem;font-weight:600;list-style:none;margin:0}
.quote-form ul{padding:0;margin:0}
.quote-form input.is-invalid,.quote-form select.is-invalid,.quote-form textarea.is-invalid{border-bottom-color:#b3261e}
.flash{padding:16px 20px;margin-bottom:22px;border-left:6px solid;font-size:.9rem;font-weight:600}
.flash-success{background:#e8f7ee;border-color:#21bf65;color:#0d5b2f}
.flash-error{background:#fdecea;border-color:#b3261e;color:#7a1712}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip-link:focus{left:0}