/* ============================================================
   ECHANGESASSURANCES.ORG — STYLESHEET v1.0
   ============================================================ */

/* --- 1. Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&family=Open+Sans:wght@400;500;600&display=swap');

/* --- 2. CSS Variables --- */
:root {
  --primary:        #1b3d52;
  --primary-light:  #2a5a72;
  --primary-dark:   #0f2a38;
  --secondary:      #e8634e;
  --secondary-dark: #c94f3b;
  --accent:         #4aabb9;
  --accent-dark:    #2d8a98;
  --danger:         #e74c3c;
  --text:           #1a202c;
  --text-mid:       #4a5568;
  --text-light:     #718096;
  --bg:             #ffffff;
  --bg-light:       #f7fafc;
  --bg-dark:        #edf2f7;
  --border:         #e2e8f0;
  --shadow-sm:      0 1px 3px rgba(0,0,0,0.08);
  --shadow:         0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg:      0 10px 40px rgba(0,0,0,0.15);
  --radius-sm:      6px;
  --radius:         12px;
  --radius-lg:      20px;
  --transition:     all 0.3s ease;
  --container:      1200px;
}

/* --- 3. Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Open Sans', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', sans-serif;
  line-height: 1.3;
  color: var(--text);
}

h1 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }

p { margin-bottom: 1rem; }
a { color: var(--primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--primary-light); }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }

/* --- 4. Layout Utilities --- */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}
.section { padding: 80px 0; }
.section-alt { background: var(--bg-light); }
.section-dark { background: var(--primary-dark); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }

.text-center { text-align: center; }
.text-left   { text-align: left; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-40 { margin-bottom: 40px; }
.mb-60 { margin-bottom: 60px; }

.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 600;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.badge-primary { background: rgba(27,61,82,0.1); color: var(--primary); }
.badge-secondary { background: rgba(232,99,78,0.1); color: var(--secondary-dark); }
.badge-accent { background: rgba(74,171,185,0.1); color: var(--accent-dark); }

/* --- 5. Section Headers --- */
.section-header { text-align: center; margin-bottom: 50px; }
.section-header .eyebrow {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--secondary);
  margin-bottom: 12px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 1.1rem;
  color: var(--text-mid);
  max-width: 600px;
  margin: 0 auto;
}

/* --- 6. Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--secondary);
  color: #fff;
  border-color: var(--secondary);
}
.btn-primary:hover {
  background: var(--secondary-dark);
  border-color: var(--secondary-dark);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(232,99,78,0.35);
}
.btn-secondary {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.btn-secondary:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  color: #fff;
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.15);
  border-color: #fff;
  color: #fff;
}
.btn-outline-primary {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline-primary:hover {
  background: var(--primary);
  color: #fff;
}
.btn-lg { padding: 17px 36px; font-size: 1.05rem; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* --- 7. Header & Navigation --- */
#site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  box-shadow: 0 2px 12px rgba(0,0,0,0.08);
  transition: var(--transition);
}
#site-header.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.12); }

.header-top {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  padding: 6px 0;
}
.header-top-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.header-top a { color: rgba(255,255,255,0.85); }
.header-top a:hover { color: #fff; }

.header-main { padding: 16px 0; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }

.site-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-img {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  object-fit: contain;
  flex-shrink: 0;
}
.logo-text { line-height: 1.15; }
.logo-text .name {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--primary);
  display: block;
}
.logo-text .tagline {
  font-size: 0.72rem;
  color: var(--text-light);
  display: block;
}

/* Main Nav */
.main-nav { flex: 1; }
.nav-list { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--text);
  border-radius: var(--radius-sm);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--bg-light); }
.nav-link svg { width: 14px; height: 14px; transition: transform 0.2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

/* Highlighted "Actualités" CTA button in the nav */
.nav-link.nav-actu {
  background: var(--secondary);
  color: #fff;
  font-weight: 700;
  padding: 9px 18px;
  border-radius: 999px;
  box-shadow: 0 3px 10px rgba(232,99,78,0.35);
  transition: var(--transition);
}
.nav-link.nav-actu::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #fff;
  display: inline-block;
  animation: actuPulse 1.6s ease-in-out infinite;
}
.nav-link.nav-actu:hover,
.nav-link.nav-actu.active {
  background: var(--secondary-dark);
  color: #fff;
  box-shadow: 0 6px 18px rgba(232,99,78,0.5);
  transform: translateY(-1px);
}
@keyframes actuPulse {
  0%, 100% { opacity: 1; transform: scale(1); box-shadow: 0 0 0 0 rgba(255,255,255,0.7); }
  50%      { opacity: 0.55; transform: scale(1.2); box-shadow: 0 0 0 5px rgba(255,255,255,0); }
}

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 100;
}
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  color: var(--text-mid);
  font-size: 0.9rem;
  font-weight: 500;
}
.dropdown a:hover { background: var(--bg-light); color: var(--primary); }
.dropdown a span.icon { width: 28px; height: 28px; border-radius: 6px; background: var(--bg-light); display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; }

/* Mobile menu toggle */
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: none;
}
.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: var(--transition);
}

/* --- 8. Hero Section --- */
.hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #1a5c9e 100%);
  padding: 90px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -5%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(39,174,96,0.15) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-content { color: #fff; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 30px;
  padding: 6px 16px;
  font-size: 0.82rem;
  font-weight: 600;
  font-family: 'Montserrat', sans-serif;
  color: rgba(255,255,255,0.9);
  margin-bottom: 24px;
}
.hero h1 { color: #fff; margin-bottom: 20px; }
.hero h1 span { color: var(--accent); }
.hero-lead {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 36px;
  max-width: 560px;
  line-height: 1.75;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
}
.trust-item svg { color: var(--secondary); flex-shrink: 0; }

/* Hero Card */
.hero-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.hero-card h3 {
  font-size: 1.1rem;
  margin-bottom: 20px;
  color: var(--text);
}
.insurance-links { display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.insurance-link-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  color: var(--text);
  font-weight: 500;
  font-size: 0.9rem;
  transition: var(--transition);
  border: 1px solid var(--border);
}
.insurance-link-item:hover {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.insurance-link-item .icon { font-size: 1.2rem; }
.insurance-link-item .arrow { margin-left: auto; }
.hero-card-note {
  text-align: center;
  font-size: 0.82rem;
  color: var(--text-light);
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

/* --- 9. Stats Bar --- */
.stats-bar { background: var(--primary); padding: 36px 0; }
.stats-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}
.stat-item { color: #fff; }
.stat-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.4;
}
.stat-separator {
  width: 1px;
  background: rgba(255,255,255,0.15);
  margin: auto;
}

/* --- 10. Cards --- */
.card {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  overflow: hidden;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}

/* Category Cards */
.category-card {
  padding: 32px 24px;
  text-align: center;
  position: relative;
}
.category-card .cat-icon {
  width: 68px;
  height: 68px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
}
.category-card h3 { margin-bottom: 10px; font-size: 1.15rem; }
.category-card p { color: var(--text-mid); font-size: 0.9rem; margin-bottom: 20px; line-height: 1.6; }
.category-card .cat-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.88rem;
  font-family: 'Montserrat', sans-serif;
}
.category-card .cat-link:hover { gap: 10px; }
.cat-sante  { background: rgba(39,174,96,0.08); }  .cat-sante  .cat-icon { background: rgba(39,174,96,0.12); }
.cat-auto   { background: rgba(15,76,129,0.06); }   .cat-auto   .cat-icon { background: rgba(15,76,129,0.1); }
.cat-hab    { background: rgba(232,160,32,0.08); }   .cat-hab    .cat-icon { background: rgba(232,160,32,0.12); }
.cat-vie    { background: rgba(155,89,182,0.08); }   .cat-vie    .cat-icon { background: rgba(155,89,182,0.12); }
.cat-pro    { background: rgba(231,76,60,0.07); }    .cat-pro    .cat-icon { background: rgba(231,76,60,0.1); }
.cat-comp   { background: rgba(52,152,219,0.07); }   .cat-comp   .cat-icon { background: rgba(52,152,219,0.1); }

/* Reason Cards */
.reason-card { padding: 30px; }
.reason-icon {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-sm);
  background: rgba(15,76,129,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.reason-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.reason-card p  { font-size: 0.9rem; color: var(--text-mid); }

/* Article Cards */
.article-card {}
.article-card-img {
  height: 200px;
  background: linear-gradient(135deg, var(--bg-dark), var(--border));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  overflow: hidden;
}
.article-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.3s ease;
}
.article-card:hover .article-card-img img { transform: scale(1.04); }
.article-card-body { padding: 24px; }
.article-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 12px;
  font-size: 0.8rem;
  color: var(--text-light);
}
.article-meta .cat { color: var(--primary); font-weight: 600; }
.article-card h3 { font-size: 1.05rem; margin-bottom: 10px; line-height: 1.45; }
.article-card p  { font-size: 0.88rem; color: var(--text-mid); margin-bottom: 18px; }
.article-read-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.85rem;
  font-family: 'Montserrat', sans-serif;
}

/* --- 10b. News Spotlight (Actualités à la une) --- */
.news-spotlight {
  background:
    radial-gradient(1200px 400px at 50% -120px, rgba(74,171,185,0.18), transparent 70%),
    linear-gradient(180deg, #eef6f8 0%, #ffffff 60%);
  border-top: 3px solid var(--accent);
  padding-top: 56px;
}
.news-spotlight .section-header { margin-bottom: 34px; }
.news-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--secondary);
  color: #fff;
  padding: 7px 18px;
  border-radius: 999px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  margin-bottom: 16px;
  box-shadow: 0 4px 14px rgba(232,99,78,0.3);
}
.news-eyebrow .live-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #fff;
  animation: actuPulse 1.6s ease-in-out infinite;
}

/* Bento grid — 1 grande tuile à la une + 5 tuiles */
.news-bento {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-auto-rows: 224px;
  grid-auto-flow: dense;
  gap: 18px;
}
.bento-tile {
  position: relative;
  display: block;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--primary-dark);
  box-shadow: 0 6px 22px rgba(27,61,82,0.10);
  color: inherit;
  transition: var(--transition);
}
.bento-tile:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 44px rgba(27,61,82,0.24);
}
.bento-feat {
  grid-column: span 2;
  grid-row: span 2;
}
.bento-tile img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.bento-tile:hover img { transform: scale(1.06); }
.bento-overlay {
  position: absolute;
  inset: 0;
  z-index: 2;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 18px;
  background: linear-gradient(to top, rgba(13,30,42,0.94) 0%, rgba(13,30,42,0.55) 42%, rgba(13,30,42,0.04) 78%);
}
.bento-feat .bento-overlay { padding: 28px; }
.bento-cat {
  align-self: flex-start;
  background: var(--secondary);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.66rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 4px 11px;
  border-radius: 999px;
  margin-bottom: 10px;
}
.bento-tile h3 {
  color: #fff;
  font-size: 1rem;
  line-height: 1.34;
  margin: 0 0 7px;
}
.bento-feat h3 { font-size: 1.6rem; line-height: 1.25; }
.bento-meta {
  color: rgba(255,255,255,0.82);
  font-size: 0.78rem;
  font-weight: 500;
}
.bento-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  z-index: 3;
  background: var(--secondary);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  padding: 6px 13px;
  border-radius: 999px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.28);
}

@media (max-width: 900px) {
  .news-bento { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 200px; }
  .bento-feat { grid-column: span 2; grid-row: span 2; }
  .bento-feat h3 { font-size: 1.4rem; }
}
@media (max-width: 560px) {
  .news-bento { grid-template-columns: 1fr; grid-auto-rows: 190px; }
  .bento-feat { grid-column: span 1; grid-row: span 1; }
  .bento-feat .bento-overlay { padding: 18px; }
  .bento-feat h3 { font-size: 1.2rem; }
}

/* --- 10c. Blog / Actualités page (bento refonte) --- */
.blog-page {
  background:
    radial-gradient(1100px 380px at 50% -140px, rgba(74,171,185,0.16), transparent 70%),
    linear-gradient(180deg, #eef6f8 0%, #ffffff 55%);
}
.page-hero .news-eyebrow { margin-bottom: 18px; }
.blog-page .blog-filters { margin-bottom: 32px; }
.blog-page .filter-btn.active,
.blog-page .filter-btn.active:hover {
  background: var(--secondary);
  border-color: var(--secondary);
  color: #fff;
  box-shadow: 0 4px 12px rgba(232,99,78,0.3);
}
.blog-section-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin: 0 0 26px;
}
.blog-section-head h2 { margin: 0; }
.blog-count {
  color: var(--text-light);
  font-size: 0.9rem;
  font-weight: 600;
  font-family: 'Montserrat', sans-serif;
}
.blog-page .news-bento { margin-bottom: 50px; }
.blog-empty {
  text-align: center;
  padding: 60px 20px;
  color: var(--text-mid);
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
}

/* --- 11. Process Steps --- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(12.5% + 20px);
  right: calc(12.5% + 20px);
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.3rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  border: 4px solid #fff;
  box-shadow: 0 0 0 3px var(--primary);
}
.step h3 { font-size: 1rem; margin-bottom: 10px; }
.step p  { font-size: 0.87rem; color: var(--text-mid); }

/* --- 12. Risk Section --- */
.risk-list { display: flex; flex-direction: column; gap: 16px; }
.risk-item {
  display: flex;
  gap: 16px;
  padding: 20px;
  background: #fff;
  border-radius: var(--radius);
  border-left: 4px solid var(--danger);
  box-shadow: var(--shadow-sm);
}
.risk-icon { font-size: 1.5rem; flex-shrink: 0; line-height: 1; }
.risk-item h4 { margin-bottom: 4px; }
.risk-item p  { font-size: 0.88rem; color: var(--text-mid); margin: 0; }

/* --- 13. FAQ Accordion --- */
.faq-section { margin: 40px 0; }
.faq-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.faq-item.open { border-color: var(--primary); box-shadow: var(--shadow); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.98rem;
  line-height: 1.45;
  gap: 16px;
  border: none;
  background: none;
  width: 100%;
  text-align: left;
  color: var(--text);
}
.faq-question:hover { color: var(--primary); background: var(--bg-light); }
/* Icon circle — holds a "+" that rotates 45° to look like "×" when open */
.faq-icon {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 50%;
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.25s ease, color 0.25s ease, transform 0.3s ease;
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--primary);
  line-height: 1;
  user-select: none;
}
.faq-item.open .faq-icon { background: var(--primary); color: #fff; transform: rotate(45deg); }
/* Answer panel — hidden by default via max-height:0; no display:none needed */
.faq-answer {
  display: block;
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.45s ease, padding 0.3s ease;
}
.faq-item.open .faq-answer { max-height: 1200px; padding: 0 24px 24px; }
.faq-answer p { font-size: 0.93rem; color: var(--text-mid); margin: 0 0 10px; line-height: 1.7; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul, .faq-answer ol { padding-left: 18px; margin: 8px 0 10px; }
.faq-answer ul li, .faq-answer ol li { font-size: 0.9rem; color: var(--text-mid); margin-bottom: 6px; }
.faq-answer ul li { list-style: disc; }
.faq-answer strong { color: var(--text); }
.faq-answer a { color: var(--primary); }

/* --- 14. Testimonials --- */
.testimonial-card {
  padding: 30px;
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.testimonial-stars { color: var(--accent); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { font-size: 0.95rem; color: var(--text-mid); font-style: italic; margin-bottom: 20px; line-height: 1.75; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.testimonial-author strong { font-size: 0.9rem; display: block; }
.testimonial-author span   { font-size: 0.8rem; color: var(--text-light); }

/* --- 15. Newsletter --- */
.newsletter-section {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 70px 0;
  text-align: center;
}
.newsletter-section h2 { color: #fff; margin-bottom: 12px; }
.newsletter-section p  { color: rgba(255,255,255,0.8); max-width: 500px; margin: 0 auto 32px; }
.newsletter-form { display: flex; gap: 12px; max-width: 480px; margin: 0 auto; }
.newsletter-form input {
  flex: 1;
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  border: 2px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.1);
  color: #fff;
  font-size: 0.95rem;
  outline: none;
  transition: var(--transition);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input:focus { border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.15); }
.newsletter-note { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 12px; }

/* --- 16. Footer --- */
#site-footer {
  background: var(--text);
  color: rgba(255,255,255,0.75);
  padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 280px 1fr 1fr;
  gap: 40px;
  margin-bottom: 50px;
}
.footer-brand .logo-text .name  { color: #fff; }
.footer-brand .logo-text .tagline { color: rgba(255,255,255,0.5); }
.footer-desc {
  margin-top: 16px;
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 20px;
}
.social-links { display: flex; gap: 10px; }
.social-link {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  transition: var(--transition);
}
.social-link:hover { background: var(--primary); color: #fff; }

.footer-col h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  transition: var(--transition);
}
.footer-col ul li a:hover { color: #fff; padding-left: 4px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: #fff; }

/* --- 17. Page Inner (section pages) --- */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 60px 0;
  color: #fff;
}
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p   { color: rgba(255,255,255,0.8); max-width: 600px; font-size: 1.05rem; }
.page-hero .hero-subtitle { color: rgba(255,255,255,0.85); max-width: 680px; font-size: 1.05rem; line-height: 1.7; }
.page-hero .article-meta-hero { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-top: 12px; font-size: 0.9rem; color: rgba(255,255,255,0.75); }

/* Article share buttons (hero) */
.article-share { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.article-share .share-label { font-size: 0.85rem; color: rgba(255,255,255,0.9); font-weight: 600; letter-spacing: 0.02em; }
.article-share .share-btn { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: #fff; color: var(--primary-dark, #0d2a3a); border: 1px solid rgba(255,255,255,0.9); text-decoration: none; cursor: pointer; transition: transform 0.15s ease, background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease; position: relative; padding: 0; box-shadow: 0 2px 8px rgba(0,0,0,0.2); }
.article-share .share-btn svg { fill: currentColor; stroke: currentColor; display: block; }
.article-share .share-btn.share-copy svg { fill: none; }
.article-share .share-btn:hover { transform: translateY(-2px); box-shadow: 0 4px 14px rgba(0,0,0,0.28); color: #fff; }
.article-share .share-btn:focus-visible { outline: 2px solid #fff; outline-offset: 2px; }
.article-share .share-facebook:hover { background: #1877F2; border-color: #1877F2; }
.article-share .share-x:hover { background: #000; border-color: #000; }
.article-share .share-linkedin:hover { background: #0A66C2; border-color: #0A66C2; }
.article-share .share-whatsapp:hover { background: #25D366; border-color: #25D366; }
.article-share .share-copy { font-family: inherit; }
.article-share .share-copy .share-copy-feedback { position: absolute; top: -32px; left: 50%; transform: translateX(-50%); background: var(--primary-dark, #0d6c65); color: #fff; font-size: 0.72rem; padding: 4px 8px; border-radius: 4px; opacity: 0; pointer-events: none; transition: opacity 0.2s ease; white-space: nowrap; }
.article-share .share-copy.copied .share-copy-feedback { opacity: 1; }
.article-share .share-copy.copied { background: var(--primary, #129a8e); border-color: var(--primary, #129a8e); }
@media (max-width: 600px) {
  .article-share { gap: 8px; }
  .article-share .share-btn { width: 36px; height: 36px; }
}
.page-hero .hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.page-hero .btn-ghost { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); color: #fff; }
.page-hero .btn-ghost:hover { background: rgba(255,255,255,0.25); color: #fff; }
.page-hero .badge { margin-bottom: 16px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.7);
}
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb .sep { color: rgba(255,255,255,0.35); }

.page-content { padding: 60px 0; }
.content-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 50px;
  align-items: start;
}
.content-main {}
.content-sidebar {}

/* 3-column grid for articles with TOC sidebar */
.content-grid-3col { grid-template-columns: 180px 1fr 250px; gap: 30px; max-width: 1400px; margin: 0 auto; }

/* TOC sticky sidebar */
.toc-sidebar { position: sticky; top: 130px; max-height: calc(100vh - 150px); overflow-y: auto; align-self: start; }
.toc-sticky { font-size: 0.82rem; line-height: 1.5; }
.toc-sticky .toc-title { font-size: 0.85rem; font-weight: 700; color: var(--primary-dark); margin-bottom: 12px; padding-bottom: 8px; border-bottom: 2px solid var(--border); }
.toc-sticky ol { list-style: none; padding: 0; margin: 0; counter-reset: toc; }
.toc-sticky ol li { counter-increment: toc; }
.toc-sticky ol li a { display: block; padding: 6px 0 6px 20px; color: var(--text-mid); text-decoration: none; border-left: 2px solid var(--border); transition: all 0.2s; position: relative; }
.toc-sticky ol li a::before { content: counter(toc) "."; position: absolute; left: 0; color: var(--text-light); font-size: 0.78rem; font-weight: 600; width: 18px; text-align: right; padding-right: 4px; }
.toc-sticky ol li a:hover { color: var(--primary); border-left-color: var(--primary); }
.toc-sticky ol li a.active { color: var(--primary); font-weight: 600; border-left-color: var(--primary); background: rgba(13,108,101,0.04); }

/* Inline TOC card (visible on tablet/mobile ≤1024px) — design évolué */
.toc-box {
  background:
    radial-gradient(600px 200px at 0% -40px, rgba(74,171,185,0.16), transparent 70%),
    linear-gradient(180deg, #eef6f8 0%, #ffffff 70%);
  border: 1px solid var(--border);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 22px 22px 14px;
  margin: 0 0 38px;
  box-shadow: 0 8px 26px rgba(27,61,82,0.09);
}
.toc-box .toc-title {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 1.18rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin: 0 0 14px;
  padding-bottom: 14px;
  border-bottom: 2px solid var(--border);
}
.toc-box ol {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: tocb;
}
.toc-box ol li {
  counter-increment: tocb;
  margin: 0;
}
.toc-box ol li + li { border-top: 1px solid rgba(226,232,240,0.8); }
.toc-box ol li a {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 12px 8px;
  border-radius: var(--radius-sm);
  color: var(--text-mid);
  font-weight: 500;
  font-size: 0.95rem;
  line-height: 1.4;
  text-decoration: none;
  transition: background 0.2s ease, color 0.2s ease;
}
.toc-box ol li a::before {
  content: counter(tocb);
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 6px rgba(74,171,185,0.35);
  transition: background 0.2s ease, transform 0.2s ease;
}
.toc-box ol li a:hover,
.toc-box ol li a:active {
  background: rgba(74,171,185,0.12);
  color: var(--primary-dark);
}
.toc-box ol li a:hover::before {
  background: var(--secondary);
  transform: scale(1.08);
}

/* Article hero figure image */
.article-hero-img {
  margin: 8px 0 32px;
  border-radius: var(--radius);
  overflow: hidden;
  line-height: 0;
}
.article-hero-img img {
  width: 100%;
  height: auto;
  max-height: 420px;
  object-fit: cover;
  display: block;
}

/* Sidebar widgets */
.sidebar-widget {
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 24px;
  margin-bottom: 24px;
}
.sidebar-widget h3 { font-size: 1rem; margin-bottom: 16px; color: var(--primary); }
.sidebar-links { display: flex; flex-direction: column; gap: 10px; }
.sidebar-links a {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-mid);
  font-size: 0.9rem;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.sidebar-links a:hover { background: var(--bg-light); color: var(--primary); }
.sidebar-links a.active { background: var(--bg-light); color: var(--primary); font-weight: 600; }
.sidebar-links a .arrow { margin-left: auto; font-size: 0.75rem; }

.tip-box {
  background: rgba(39,174,96,0.08);
  border: 1px solid rgba(39,174,96,0.2);
  border-radius: var(--radius);
  padding: 20px;
  margin: 24px 0;
}
.tip-box h4 { color: var(--secondary-dark); margin-bottom: 8px; font-size: 0.95rem; }
.tip-box p  { font-size: 0.88rem; color: var(--text-mid); margin: 0; }

.warning-box {
  background: rgba(232,160,32,0.08);
  border: 1px solid rgba(232,160,32,0.25);
  border-radius: var(--radius);
  padding: 20px;
  margin: 24px 0;
}
.warning-box h4 { color: var(--accent-dark); margin-bottom: 8px; font-size: 0.95rem; }
.warning-box p  { font-size: 0.88rem; color: var(--text-mid); margin: 0; }

/* --- 18. Comparison Table --- */
.comparison-table { width: 100%; border-collapse: collapse; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.comparison-table th {
  background: var(--primary);
  color: #fff;
  padding: 16px 20px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
}
.comparison-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text-mid);
}
.comparison-table tr:nth-child(even) td { background: var(--bg-light); }
.comparison-table tr:last-child td { border-bottom: none; }
.check { color: var(--secondary); font-weight: 700; }
.cross { color: var(--danger); }

/* --- 19. Contact Form --- */
.contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-weight: 600; font-size: 0.9rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-control {
  padding: 13px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: 'Open Sans', sans-serif;
  color: var(--text);
  background: #fff;
  outline: none;
  transition: var(--transition);
}
.form-control:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(15,76,129,0.1); }
textarea.form-control { min-height: 130px; resize: vertical; }

/* --- 20. Blog Page --- */
.blog-filters { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; }
.filter-btn {
  padding: 8px 18px;
  border-radius: 30px;
  border: 2px solid var(--border);
  background: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.82rem;
  cursor: pointer;
  transition: var(--transition);
  color: var(--text-mid);
}
.filter-btn:hover, .filter-btn.active {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
}
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 50px; }
.blog-featured { grid-column: span 3; display: block; background: var(--primary); color: #fff; border-radius: var(--radius); padding: 40px 48px; }
.blog-featured h2 { color: #fff; font-size: 1.5rem; margin-bottom: 12px; }
.blog-featured p { color: rgba(255,255,255,0.85); font-size: 1rem; margin-bottom: 20px; line-height: 1.6; }
.blog-featured .article-meta { color: rgba(255,255,255,0.65); }
.blog-featured .badge { background: rgba(255,255,255,0.15); color: #fff; }
.blog-featured .btn-primary { background: #fff; color: var(--primary); }
.blog-featured .btn-primary:hover { background: rgba(255,255,255,0.9); }
.article-card.no-img .article-card-body { padding: 28px; }
.article-card.no-img { border-left: 4px solid var(--accent); }

/* Blog Featured with image */
.blog-featured { display: flex; align-items: stretch; padding: 0; overflow: hidden; }
.blog-featured-img { flex: 0 0 45%; max-height: 400px; overflow: hidden; }
.blog-featured-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.blog-featured-content { padding: 40px 48px; display: flex; flex-direction: column; justify-content: center; }

/* Article hero with image */
.page-hero-article { position: relative; min-height: 480px; display: flex; align-items: flex-end; overflow: hidden; padding-top: 60px; }
.page-hero-article .container { position: relative; z-index: 2; padding-bottom: 48px; }
.hero-article-img { position: absolute; top: 0; left: 0; right: 0; bottom: 0; z-index: 0; }
.hero-article-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero-article-img::after { content: ''; position: absolute; top: 0; left: 0; right: 0; bottom: 0; background: linear-gradient(to top, rgba(13,42,58,0.95) 0%, rgba(13,42,58,0.7) 45%, rgba(13,42,58,0.35) 100%); }

/* Related articles */
.related-articles { margin-top: 48px; padding-top: 32px; border-top: 2px solid var(--border); }
.related-articles h2 { font-size: 1.25rem; margin-bottom: 20px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.related-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; text-decoration: none; color: inherit; transition: transform 0.2s, box-shadow 0.2s; display: flex; flex-direction: column; }
.related-card:hover { transform: translateY(-3px); box-shadow: 0 8px 24px rgba(13,108,101,0.12); }
.related-card img { width: 100%; height: 150px; object-fit: cover; display: block; }
.related-card h3 { font-size: 0.92rem; padding: 16px 16px 8px; margin: 0; color: var(--primary-dark); line-height: 1.4; }
.related-card .read-more { font-size: 0.82rem; color: var(--primary); font-weight: 600; padding: 0 16px 16px; margin-top: auto; }

/* Pagination */
.pagination { display: flex; justify-content: center; align-items: center; gap: 8px; margin: 40px 0 60px; flex-wrap: wrap; }
.pagination-btn { display: inline-flex; align-items: center; justify-content: center; min-width: 40px; height: 40px; padding: 0 14px; border-radius: var(--radius-sm); background: #fff; color: var(--text); border: 1px solid var(--border); font-size: 0.9rem; font-weight: 500; text-decoration: none; transition: all 0.2s; }
.pagination-btn:hover { background: var(--bg-light); border-color: var(--primary); color: var(--primary); }
.pagination-btn.active { background: var(--primary); color: #fff; border-color: var(--primary); }

/* --- 21. Sticky CTA Bar --- */
.sticky-cta-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--primary);
  color: #fff;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  z-index: 998;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.25);
  transform: translateY(100%);
  transition: transform 0.35s ease;
}
.sticky-cta-bar.visible { transform: translateY(0); }
.sticky-cta-bar p { font-size: 0.9rem; margin: 0; opacity: 0.92; }
.sticky-cta-bar .btn { flex-shrink: 0; }
@media (max-width: 600px) {
  .sticky-cta-bar { flex-direction: column; gap: 8px; text-align: center; padding: 14px 16px; }
  .sticky-cta-bar .btn { width: 100%; text-align: center; }
}

/* --- 22. Mentions légales & Privacy --- */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.3rem; margin: 40px 0 16px; color: var(--primary); }
.legal-content h3 { font-size: 1.1rem; margin: 28px 0 12px; }
.legal-content p  { color: var(--text-mid); }
.legal-content ul { padding-left: 20px; margin: 12px 0; }
.legal-content ul li { color: var(--text-mid); margin-bottom: 6px; list-style: disc; }

/* --- 22. Responsive --- */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .hero-inner   { grid-template-columns: 1fr 360px; gap: 40px; }
}

@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card  { display: none; }
  .content-grid { grid-template-columns: 1fr; }
  .blog-grid    { grid-template-columns: repeat(2, 1fr); }
  .blog-featured { grid-column: span 2; }
  .blog-featured-img { flex: 0 0 40%; }
  .related-grid { grid-template-columns: repeat(2, 1fr); }
  .content-grid-3col { grid-template-columns: 170px 1fr 240px; gap: 24px; }
}

@media (max-width: 1024px) {
  .content-grid-3col { grid-template-columns: 1fr 260px; }
  .toc-sidebar { display: none; }
  .toc-box { display: block !important; }
}

@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .content-grid-3col { grid-template-columns: 1fr; gap: 32px; }
  .content-sidebar { order: 2; }
  .main-nav { display: none; }
  .burger { display: flex; }
  .header-top { display: none; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .newsletter-form { flex-direction: column; }
  .form-row { grid-template-columns: 1fr; }

  /* Mobile nav */
  .main-nav.open {
    display: block;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: #fff;
    z-index: 999;
    padding: 80px 24px 40px;
    overflow-y: auto;
  }
  .main-nav.open .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
  }
  .main-nav.open .nav-link { padding: 14px 16px; font-size: 1rem; }
  .main-nav.open .dropdown {
    position: static;
    box-shadow: none;
    border: none;
    padding: 0;
    opacity: 1;
    visibility: visible;
    transform: none;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    margin: 4px 0 8px;
    display: none;
  }
  .main-nav.open .nav-item.open .dropdown { display: block; }
}

@media (max-width: 520px) {
  .stats-inner { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .blog-featured { grid-column: span 1; flex-direction: column; }
  .blog-featured-img { flex: none; max-height: 220px; }
  .blog-featured-content { padding: 24px; }
  .related-grid { grid-template-columns: 1fr; }
}

/* --- 23. Blocs Publicitaires AdSense --- */
.ad-block {
  margin: 40px 0;
  text-align: center;
  overflow: hidden;
  min-height: 50px; /* espace minimal le temps du chargement */
}
.ad-block-sidebar {
  margin: 0 0 24px;
  overflow: hidden;
  min-height: 100px;
}
/* Séparateur visuel discret autour des pubs */
.ad-block::before {
  content: 'Publicité';
  display: block;
  font-size: 0.7rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 6px;
  font-family: 'Montserrat', sans-serif;
}

/* --- 24. Misc Animations --- */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.6s ease both; }

/* Scroll to top button */
#scroll-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 44px;
  height: 44px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border: none;
  font-size: 1.1rem;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 500;
}
#scroll-top.visible { opacity: 1; visibility: visible; }
#scroll-top:hover { background: var(--primary-light); transform: translateY(-3px); }

/* ============================================================
   25. Composants communs — pages catégories
   ============================================================ */

/* FAQ duplicate block removed — canonical rules are in section 13 above */

/* --- Back Link --- */
.back-link { display: inline-flex; align-items: center; gap: 6px; color: var(--primary); text-decoration: none; font-size: 0.88rem; font-weight: 600; margin-bottom: 24px; }
.back-link:hover { color: var(--accent); }

/* --- Table Wrap --- */
.table-wrap { overflow-x: auto; margin: 24px 0; border-radius: var(--radius); box-shadow: var(--shadow); }

/* --- Encart Info Boxes (assurance-pro) --- */
.encart { border-radius: var(--radius); padding: 20px 24px; margin: 24px 0; }
.encart-info { background: #ebf8ff; border-left: 5px solid var(--primary); }
.encart-warning { background: #fffbeb; border-left: 5px solid #d69e2e; }
.encart-legal { background: #f0f7f6; border-left: 5px solid var(--primary-dark); }
.encart-danger { background: #fff5f5; border-left: 5px solid #c53030; }
.encart strong { display: block; margin-bottom: 8px; }
.encart-info strong { color: var(--primary); }
.encart-warning strong { color: #b7791f; }
.encart-legal strong { color: var(--primary-dark); }
.encart-danger strong { color: #c53030; }

/* --- Alert / Info / Danger Boxes (comparer) --- */
.alert-box { background: #fff3cd; border-left: 4px solid var(--accent); padding: 16px 20px; border-radius: var(--radius-sm); margin: 24px 0; }
.alert-box strong { color: #b35900; }
.info-box { background: #e8f4f3; border-left: 4px solid var(--primary); padding: 16px 20px; border-radius: var(--radius-sm); margin: 24px 0; }
.danger-box { background: #fdecea; border-left: 4px solid #c0392b; padding: 16px 20px; border-radius: var(--radius-sm); margin: 24px 0; }

/* --- Text utilities --- */
.text-small { font-size: 0.85rem; color: var(--text-mid); margin-top: 8px; }

/* --- Author Card --- */
.author-card { background: var(--bg-light); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 24px; margin: 40px 0; }
.author-info h4 { font-size: 1rem; color: var(--primary-dark); margin-bottom: 6px; }
.author-info p { font-size: 0.88rem; color: var(--text-mid); margin: 0; }
.sources-officielles { background: var(--bg-light); border: 1px solid var(--border); border-left: 4px solid var(--primary); border-radius: var(--radius); padding: 16px 20px; margin: 40px 0; font-size: 0.88rem; color: var(--text-mid); }

/* --- Profile Cards Grid --- */
.profile-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin: 28px 0; }
.profile-card { background: #fff; border-radius: var(--radius); padding: 24px 20px; box-shadow: var(--shadow); border-top: 4px solid var(--primary); }
.profile-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
.profile-card h3 { margin-top: 0; font-size: 1rem; color: var(--primary-dark); }
.profile-icon { font-size: 2.2rem; margin-bottom: 12px; }
.profile-cta { display: inline-block; margin-top: 12px; color: var(--accent); font-weight: 700; font-size: 0.88rem; text-decoration: none; }

/* --- Pillar/Article Cards (assurance-pro) --- */
.pillar-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin: 28px 0; }
.article-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; margin: 28px 0; }
.article-card { background: #fff; border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); text-decoration: none; color: inherit; display: flex; flex-direction: column; gap: 8px; border-left: 4px solid var(--primary); transition: transform 0.2s, box-shadow 0.2s; }
.article-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(13,108,101,0.12); }
.article-card .card-tag { font-size: 0.78rem; color: var(--accent); font-weight: 700; text-transform: uppercase; letter-spacing: 0.4px; }
.article-card h3 { margin: 0; font-size: 1rem; color: var(--primary-dark); }
.article-card p { margin: 0; font-size: 0.88rem; color: var(--text-mid); }
.article-card .card-read { font-size: 0.85rem; color: var(--primary); font-weight: 600; margin-top: auto; }

/* --- Coverage Cards (RC Pro) --- */
.coverage-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin: 28px 0; }
.coverage-card { background: #fff; border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); border-top: 3px solid var(--primary); }
.coverage-card h4 { font-size: 1rem; color: var(--primary-dark); margin-bottom: 10px; }
.coverage-icon { font-size: 2rem; margin-bottom: 12px; display: block; }

/* --- Sidebar CTA (editorial) --- */
.sidebar-cta, .sidebar-cta-box {
  background: linear-gradient(135deg, #f0f7ff 0%, #e8f4f8 100%);
  border: 1px solid #c3dafe;
  border-left: 4px solid var(--primary);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 24px;
  box-shadow: 0 2px 8px rgba(27,61,82,0.08);
}
.sidebar-cta h3, .sidebar-cta-box h3, .sidebar-cta h4, .sidebar-cta-box h4 {
  color: var(--primary-dark);
  margin-bottom: 10px;
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1.4;
}
.sidebar-cta p, .sidebar-cta-box p {
  font-size: 0.88rem;
  color: #4a5568;
  margin-bottom: 16px;
  line-height: 1.65;
}
.sidebar-cta .btn, .sidebar-cta-box a {
  background: var(--primary);
  color: #fff;
  padding: 11px 20px;
  border-radius: var(--radius-sm);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.88rem;
  display: inline-block;
  transition: background 0.2s, transform 0.15s;
  box-shadow: 0 2px 4px rgba(27,61,82,0.15);
}
.sidebar-cta .btn:hover, .sidebar-cta-box a:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 4px 8px rgba(27,61,82,0.2);
}

/* --- Related Articles (maillage interne siblings) --- */
.related-articles { margin: 40px 0; }
.related-articles h2 { font-size: 1.3rem; margin-bottom: 20px; color: var(--primary); }
.related-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 16px; }
.related-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; text-decoration: none; color: inherit; transition: var(--transition); display: flex; flex-direction: column; gap: 8px; }
.related-card:hover { border-color: var(--primary); box-shadow: var(--shadow); transform: translateY(-2px); }
.related-card h3 { font-size: 0.95rem; color: var(--primary-dark); margin: 0; }
.related-card p { font-size: 0.85rem; color: var(--text-mid); margin: 0; line-height: 1.5; }
.related-card .read-more { font-size: 0.85rem; color: var(--accent); font-weight: 600; margin-top: auto; }

/* --- Back to Hub link --- */
.back-to-hub { display: inline-flex; align-items: center; gap: 6px; color: var(--primary); font-size: 0.88rem; font-weight: 600; margin-bottom: 24px; text-decoration: none; }
.back-to-hub:hover { color: var(--accent); }

/* --- Badge Variants (tables) --- */
.badge-obligatoire { background: #fed7d7; color: #c53030; }
.badge-recommande { background: #c6f6d5; color: #276749; }
.badge-optionnel { background: #feebc8; color: #c05621; }
.badge-oui, .badge-non, .badge-option { padding: 2px 8px; border-radius: 10px; font-size: 0.8rem; font-weight: 700; }
.badge-oui { background: #c6f6d5; color: #276749; }
.badge-non { background: #fed7d7; color: #c53030; }
.badge-option { background: #feebc8; color: #c05621; }
.check { color: #276749; font-weight: 700; }
.cross { color: #c53030; font-weight: 700; }
.partial { color: #b7791f; font-weight: 700; }

/* --- Independence Box (comparer) --- */
.independence-box { background: linear-gradient(135deg, var(--primary-dark), #0d4a5c); color: #fff; border-radius: var(--radius); padding: 28px 32px; margin: 32px 0; }
.independence-box h3 { color: #a8d8d4; margin-top: 0; }
.independence-box p { color: rgba(255,255,255,0.88); }

/* --- Lead Magnet Box --- */
.lead-magnet { background: linear-gradient(135deg, var(--accent), var(--accent-dark, #c05621)); color: #fff; border-radius: var(--radius); padding: 28px 32px; margin: 32px 0; text-align: center; }
.lead-magnet h3 { color: #fff; font-size: 1.3rem; margin-top: 0; }
.btn-download { display: inline-block; background: #fff; color: var(--accent-dark, #c05621); padding: 12px 28px; border-radius: 8px; text-decoration: none; font-weight: 700; margin-top: 16px; }

/* --- Pillar Card (comparer hub) --- */
.pillar-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; text-decoration: none; color: inherit; display: flex; flex-direction: column; transition: box-shadow 0.2s, transform 0.2s; }
.pillar-card:hover { box-shadow: 0 8px 24px rgba(13,108,101,0.15); transform: translateY(-3px); }
.pillar-card h3 { color: var(--primary-dark); font-size: 1.1rem; margin-bottom: 8px; }
.pillar-card p { color: var(--text-mid); font-size: 0.9rem; margin: 0; }
.pillar-icon { font-size: 2rem; margin-bottom: 12px; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; margin: 28px 0; }

/* --- Ad Placeholder --- */
.sidebar-ad { background: #f8f9fa; border: 1px dashed #cbd5e0; border-radius: var(--radius-sm); padding: 16px; margin-bottom: 24px; min-height: 60px; }
.content-ad { background: #f8f9fa; border: 1px dashed #cbd5e0; border-radius: var(--radius-sm); padding: 24px; margin: 32px 0; min-height: 90px; }

@media (max-width: 768px) {
  .profile-grid { grid-template-columns: 1fr 1fr; }
  .pillar-grid { grid-template-columns: 1fr; }
  .coverage-grid { grid-template-columns: 1fr; }
  .article-cards { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .profile-grid { grid-template-columns: 1fr; }
}

/* ===== Promotion ouvrage « Le Dossier 7714 » ===== */
.book-promo{display:flex;gap:24px;align-items:center;background:linear-gradient(135deg,var(--bg-light),var(--bg-dark));border:1px solid var(--border);border-left:4px solid var(--secondary);border-radius:var(--radius);padding:22px 26px;margin:40px 0 8px}
.book-promo .book-promo__media{flex:0 0 auto;line-height:0}
.book-promo .book-promo__media img{width:130px;height:auto;filter:drop-shadow(0 6px 14px rgba(0,0,0,.28))}
.book-promo .book-promo__body{min-width:0}
.book-promo .book-promo__tag{display:inline-block;font-family:'Montserrat',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--secondary-dark);background:rgba(232,99,78,.12);padding:5px 11px;border-radius:50px;margin-bottom:12px}
.book-promo .book-promo__title{font-family:'Montserrat',sans-serif;font-size:1.45rem;font-weight:800;line-height:1.15;color:var(--text);margin:0 0 10px}
.book-promo .book-promo__title small{display:block;font-family:'Open Sans',sans-serif;font-size:.82rem;font-weight:400;color:var(--text-light);line-height:1.4;margin-top:6px;font-style:italic}
.book-promo .book-promo__desc{font-size:.93rem;line-height:1.6;color:var(--text-mid);margin:0 0 18px}
.book-promo .book-promo__note{display:block;font-size:.75rem;color:var(--text-light);margin-top:11px}
@media(max-width:600px){.book-promo{flex-direction:column;text-align:center;padding:26px 20px}.book-promo .book-promo__media img{width:150px;height:auto}}
.book-widget{background:linear-gradient(160deg,var(--primary-dark),var(--primary));color:#fff;border-radius:var(--radius);padding:24px 22px;text-align:center;box-shadow:var(--shadow)}
.book-widget .book-widget__tag{display:inline-block;font-family:'Montserrat',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#f6b8ab;margin-bottom:16px}
.book-widget .book-widget__media{display:block;line-height:0;margin-bottom:18px}
.book-widget .book-widget__media img{width:160px;height:auto;filter:drop-shadow(0 10px 24px rgba(0,0,0,.45));margin:0 auto}
.book-widget .book-widget__title{font-family:'Montserrat',sans-serif;font-size:1.3rem;font-weight:800;color:#fff;margin:0}
.book-widget .book-widget__title small{display:block;font-family:'Open Sans',sans-serif;font-size:.78rem;font-weight:400;opacity:.85;font-style:italic;margin-top:5px}
.book-widget .book-widget__sub{font-size:.83rem;line-height:1.55;opacity:.92;margin:14px 0 18px}
.book-widget .btn{width:100%;justify-content:center}