/* ============================================================
   ISA ASSURANCE — styles communs des pages « assurances »
   (mêmes jetons, en-tête et pied de page que la page d'accueil)
   ============================================================ */
:root{
  --bg:#ffffff;--surface:#ffffff;--surface-2:#f5f9fe;--surface-3:#eaf2fc;
  --ink:#132a52;--text:#3c4c64;--muted:#6a7b93;--faint:#94a3b7;
  --line:#e7eef8;--line-strong:#d5e0ee;
  --sky:#4fb0ea;--blue:#2f80cc;--blue-ink:#1f66b0;--navy:#16305e;
  --accent-soft:#e9f2fd;--warn:#b07524;--warn-soft:#fbf1e2;
  --grad:linear-gradient(120deg,#4fb0ea 0%,#2f80cc 52%,#1f4f96 100%);
  --grad-soft:linear-gradient(135deg,#e9f4fe,#eef3fb 60%,#f5f9fe);
  --shadow:0 1px 2px rgba(19,42,82,.05),0 12px 30px rgba(19,42,82,.07);
  --shadow-lg:0 30px 66px rgba(19,42,82,.14);
  --shadow-blue:0 18px 40px rgba(47,128,204,.28);
  --radius:18px;--maxw:1180px;
  --step--1:clamp(.82rem,.79rem + .12vw,.9rem);
  --step-0:1.02rem;
  --step-1:clamp(1.12rem,1.05rem + .32vw,1.32rem);
  --step-2:clamp(1.4rem,1.28rem + .6vw,1.8rem);
  --step-3:clamp(1.9rem,1.55rem + 1.5vw,2.9rem);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0b1626;--surface:#111f34;--surface-2:#0e1c2f;--surface-3:#16273e;
  --ink:#eaf1fa;--text:#c6d3e2;--muted:#8fa0b6;--faint:#6d7f95;
  --line:rgba(255,255,255,.09);--line-strong:rgba(255,255,255,.16);
  --sky:#5cb6ee;--blue:#4a97dc;--blue-ink:#83b6e8;--navy:#0a1b34;
  --accent-soft:rgba(79,176,234,.14);--warn:#e0a85a;--warn-soft:rgba(224,168,90,.12);
  --grad-soft:linear-gradient(135deg,rgba(79,176,234,.12),rgba(31,79,150,.08));
  --shadow:0 1px 2px rgba(0,0,0,.3),0 14px 34px rgba(0,0,0,.4);
  --shadow-lg:0 34px 78px rgba(0,0,0,.55);--shadow-blue:0 18px 42px rgba(31,79,150,.5);
  color-scheme:dark;
}}
:root[data-theme="dark"]{
  --bg:#0b1626;--surface:#111f34;--surface-2:#0e1c2f;--surface-3:#16273e;
  --ink:#eaf1fa;--text:#c6d3e2;--muted:#8fa0b6;--faint:#6d7f95;
  --line:rgba(255,255,255,.09);--line-strong:rgba(255,255,255,.16);
  --sky:#5cb6ee;--blue:#4a97dc;--blue-ink:#83b6e8;--navy:#0a1b34;
  --accent-soft:rgba(79,176,234,.14);--warn:#e0a85a;--warn-soft:rgba(224,168,90,.12);
  --grad-soft:linear-gradient(135deg,rgba(79,176,234,.12),rgba(31,79,150,.08));
  --shadow:0 1px 2px rgba(0,0,0,.3),0 14px 34px rgba(0,0,0,.4);
  --shadow-lg:0 34px 78px rgba(0,0,0,.55);--shadow-blue:0 18px 42px rgba(31,79,150,.5);
  color-scheme:dark;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--text);font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;font-size:var(--step-0);line-height:1.68;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans",system-ui,sans-serif;color:var(--ink);line-height:1.15;text-wrap:balance;font-weight:700;margin:0;letter-spacing:-.02em}
p{margin:0}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
:focus-visible{outline:2.5px solid var(--blue);outline-offset:3px;border-radius:6px}
.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:clamp(16px,5vw,44px)}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{display:inline-flex;align-items:center;gap:.6em;font-family:"Plus Jakarta Sans",sans-serif;font-size:var(--step--1);font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blue-ink)}
.eyebrow::before{content:"";width:22px;height:2px;border-radius:2px;background:var(--grad)}

/* boutons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.95rem;padding:13px 22px;border-radius:12px;cursor:pointer;border:1px solid transparent;transition:transform .18s ease,box-shadow .22s,background .2s,color .2s,border-color .2s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn svg{width:17px;height:17px;flex:none;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 10px 22px rgba(47,128,204,.28)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-blue)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue-ink)}
.btn-white{background:#fff;color:#16305e}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,0,0,.2)}
.btn-outline-white{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.5)}
.btn-outline-white:hover{background:rgba(255,255,255,.16);border-color:#fff}

/* logo */
.brand{display:flex;align-items:center;gap:11px;margin-right:auto}
.brand-logo{height:48px;width:auto;display:block}
.brand .logo-white{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .brand .logo-color{display:none}:root:not([data-theme="light"]) .brand .logo-white{display:block}}
:root[data-theme="dark"] .brand .logo-color{display:none}
:root[data-theme="dark"] .brand .logo-white{display:block}
@media (max-width:520px){.brand-logo{height:42px}}

/* en-tête */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:60;transition:background .3s,box-shadow .3s,border-color .3s;background:color-mix(in srgb,var(--bg) 80%,transparent);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid transparent}
header.scrolled{background:color-mix(in srgb,var(--bg) 92%,transparent);border-bottom-color:var(--line);box-shadow:0 6px 24px rgba(19,42,82,.06)}
.nav{display:flex;align-items:center;gap:18px;height:76px}
.navlinks{display:flex;gap:2px;align-items:center}
.navlinks a{font-family:"Plus Jakarta Sans",sans-serif;font-size:.93rem;font-weight:600;color:var(--muted);padding:9px 13px;border-radius:9px;position:relative;transition:color .2s}
.navlinks a::after{content:"";position:absolute;left:13px;right:13px;bottom:5px;height:2px;border-radius:2px;background:var(--grad);transform:scaleX(0);transform-origin:left;transition:transform .28s ease}
.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--ink)}
.navlinks a:hover::after,.navlinks a[aria-current="page"]::after{transform:scaleX(1)}
.header-tools{display:flex;align-items:center;gap:10px}
.theme{width:40px;height:40px;border-radius:11px;border:1px solid var(--line-strong);background:var(--surface);color:var(--ink);display:grid;place-items:center;cursor:pointer;transition:.2s}
.theme:hover{border-color:var(--blue);color:var(--blue-ink)}
.theme svg{width:18px;height:18px}
.theme .moon{display:none}
:root[data-theme="dark"] .theme .moon{display:block}
:root[data-theme="dark"] .theme .sun{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .theme .moon{display:block}:root:not([data-theme="light"]) .theme .sun{display:none}}
.nav .btn{padding:11px 18px}
.burger{display:none;width:42px;height:40px;border-radius:11px;border:1px solid var(--line-strong);background:var(--surface);color:var(--ink);cursor:pointer;padding:0;place-items:center}
.burger svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round}
@media (max-width:980px){.navlinks{display:none}.nav .btn.callcta{display:none}.burger{display:grid}}
.msheet{display:none;border-bottom:1px solid var(--line);background:color-mix(in srgb,var(--bg) 96%,transparent);backdrop-filter:blur(12px)}
.msheet.open{display:block}
.msheet .wrap{display:flex;flex-direction:column;gap:2px;padding-block:14px}
.msheet a{padding:13px 12px;border-radius:11px;color:var(--text);font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:1.02rem;transition:background .2s,color .2s}
.msheet a:hover{background:var(--surface-2);color:var(--ink)}
.msheet .btn{margin-top:8px;justify-content:center;color:#fff}

/* ===== PAGE ASSURANCE ===== */
.crumbs{display:flex;flex-wrap:wrap;gap:4px 8px;align-items:center;font-size:.84rem;color:var(--muted);list-style:none;margin:0;padding:0}
.crumbs li{display:inline-flex;align-items:center;gap:8px}
.crumbs li+li::before{content:"›";color:var(--faint)}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--blue-ink)}
.crumbs [aria-current]{color:var(--ink);font-weight:500}

.phero{position:relative;overflow:hidden;isolation:isolate;border-bottom:1px solid var(--line)}
.phero::before{content:"";position:absolute;z-index:-1;top:-35%;right:-14%;width:min(760px,85%);height:640px;border-radius:50%;background:var(--grad-soft);filter:blur(10px)}
.phero::after{content:"";position:absolute;z-index:-1;inset:0;background-image:radial-gradient(circle at center,rgba(47,128,204,.06) 1px,transparent 1px);background-size:30px 30px;-webkit-mask-image:radial-gradient(70% 70% at 80% 10%,#000,transparent 75%);mask-image:radial-gradient(70% 70% at 80% 10%,#000,transparent 75%)}
.phero-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:30px;align-items:center;padding-block:clamp(22px,4vw,40px) clamp(40px,6vw,68px)}
.phero-copy{max-width:780px}
.phero .eyebrow{margin-top:clamp(22px,3vw,34px)}
.phero h1{font-size:var(--step-3);font-weight:800;margin-top:14px;letter-spacing:-.03em;line-height:1.08}
.phero .lede{margin-top:18px;font-size:var(--step-1);line-height:1.6;color:var(--muted);max-width:62ch}
.phero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.facts{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px;padding:0;list-style:none}
.facts li{display:inline-flex;align-items:center;gap:8px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:.82rem;color:var(--text);background:var(--surface);border:1px solid var(--line);border-radius:100px;padding:7px 14px;box-shadow:var(--shadow)}
.facts li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--grad)}
.phero-ic{width:clamp(96px,12vw,150px);height:clamp(96px,12vw,150px);border-radius:32px;background:var(--grad);display:grid;place-items:center;box-shadow:var(--shadow-blue);transform:rotate(-4deg)}
.phero-ic svg{width:52%;height:52%;stroke:#fff;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
@media (max-width:820px){.phero-inner{grid-template-columns:1fr}.phero-ic{display:none}}

.pgrid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:clamp(30px,4.5vw,64px);align-items:start;padding-block:clamp(40px,6vw,76px)}
@media (max-width:980px){.pgrid{grid-template-columns:minmax(0,1fr)}}
.prose{max-width:74ch;min-width:0}
.prose h2{font-size:var(--step-2);margin-top:clamp(36px,5vw,52px);scroll-margin-top:96px}
.prose>h2:first-child{margin-top:0}
.prose h3{font-size:var(--step-1);margin-top:26px}
.prose p{margin-top:14px}
.prose ul,.prose ol{margin:14px 0 0;padding:0;list-style:none}
.prose li{position:relative;padding-left:26px;margin-top:9px}
.prose ul>li::before{content:"";position:absolute;left:5px;top:.66em;width:8px;height:8px;border-radius:50%;background:var(--grad)}
.prose ol{counter-reset:n}
.prose ol>li{counter-increment:n;padding-left:36px}
.prose ol>li::before{content:counter(n);position:absolute;left:0;top:.1em;width:25px;height:25px;border-radius:8px;background:var(--accent-soft);color:var(--blue-ink);font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:.8rem;display:grid;place-items:center}
.prose strong{color:var(--ink);font-weight:600}
.prose a:not(.btn){color:var(--blue-ink);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.prose a:not(.btn):hover{text-decoration-thickness:2px}
.callout{margin-top:22px;border:1px solid var(--line);border-left:4px solid var(--blue);background:var(--surface-2);border-radius:12px;padding:16px 18px}
.callout p{margin:0}
.callout p+p{margin-top:8px}
.callout.warn{border-left-color:var(--warn);background:var(--warn-soft)}
.callout b{color:var(--ink);font-family:"Plus Jakarta Sans",sans-serif}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
@media (max-width:640px){.cols2{grid-template-columns:1fr}}
.box{border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:18px 20px;box-shadow:var(--shadow)}
.box h3{margin-top:0;font-size:1.04rem}
.box ul{margin-top:8px}
.box li{font-size:.94rem;margin-top:7px}
.box.no ul>li::before{background:var(--faint)}
.tbl{width:100%;border-collapse:collapse;margin-top:18px;font-size:.94rem;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:block;overflow-x:auto}
.tbl th,.tbl td{padding:12px 14px;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
.tbl th{background:var(--surface-3);color:var(--ink);font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;font-size:.82rem;border-top:0}
.tbl td:first-child{font-weight:600;color:var(--ink);white-space:nowrap}

.pside{position:sticky;top:96px;display:flex;flex-direction:column;gap:16px;min-width:0}
@media (max-width:980px){.pside{position:static}.pside .toc{display:none}}
.ctacard{background:var(--grad);color:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-blue)}
.ctacard .t{font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.22rem;line-height:1.25;color:#fff}
.ctacard p{color:#dcecfb;margin-top:8px;font-size:.92rem;line-height:1.55}
.ctacard .btn{width:100%;margin-top:12px}
.ctacard .btn:first-of-type{margin-top:18px}
.ctacard small{display:block;margin-top:14px;color:#cfe3f8;font-size:.76rem;line-height:1.5}
.sidecard{border:1px solid var(--line);background:var(--surface);border-radius:var(--radius);padding:18px 20px;box-shadow:var(--shadow)}
.sidecard .t{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;color:var(--ink);font-size:.98rem;margin-bottom:8px}
.sidecard ul{list-style:none;margin:0;padding:0}
.sidecard li a{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:9px 0;border-top:1px solid var(--line);font-size:.92rem;color:var(--text);font-weight:500}
.sidecard li:first-child a{border-top:0}
.sidecard li a::after{content:"→";color:var(--blue-ink);transition:transform .2s}
.sidecard li a:hover{color:var(--blue-ink)}
.sidecard li a:hover::after{transform:translateX(3px)}
.sidecard .who{font-size:.86rem;color:var(--muted);line-height:1.55}
.sidecard .who b{color:var(--ink)}

.faq{background:var(--surface-2);border-block:1px solid var(--line);padding-block:clamp(48px,7vw,88px)}
.faq h2,.related h2{font-size:var(--step-3);margin-top:14px}
.faq-list{max-width:860px;margin-top:26px}
.qa{border:1px solid var(--line);background:var(--surface);border-radius:14px;margin-top:12px;box-shadow:var(--shadow)}
.qa summary{cursor:pointer;list-style:none;padding:18px 58px 18px 22px;font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;color:var(--ink);position:relative;font-size:1.02rem;line-height:1.4}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"";position:absolute;right:22px;top:50%;width:22px;height:22px;margin-top:-11px;border-radius:7px;background:var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232f80cc' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .25s}
.qa[open] summary::after{transform:rotate(45deg)}
.qa .a{padding:0 22px 20px;color:var(--text)}
.qa .a p+p{margin-top:10px}
.qa .a a{color:var(--blue-ink);text-decoration:underline;text-underline-offset:3px}

.related{padding-block:clamp(48px,7vw,88px)}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
@media (max-width:900px){.rgrid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.rgrid{grid-template-columns:1fr}}
.rcard{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:18px;box-shadow:var(--shadow);transition:transform .25s,box-shadow .25s,border-color .25s}
.rcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--line-strong)}
.rcard .ic{width:44px;height:44px;flex:none;border-radius:12px;background:var(--accent-soft);color:var(--blue-ink);display:grid;place-items:center;transition:.25s}
.rcard:hover .ic{background:var(--grad);color:#fff}
.rcard .ic svg{width:22px;height:22px;stroke:currentColor;stroke-width:1.7;fill:none;stroke-linecap:round;stroke-linejoin:round}
.rcard b{display:block;font-family:"Plus Jakarta Sans",sans-serif;color:var(--ink);font-size:1rem;line-height:1.3}
.rcard span{display:block;font-size:.86rem;color:var(--muted);margin-top:4px;line-height:1.5}

.ctaband{position:relative;overflow:hidden;isolation:isolate;background:linear-gradient(110deg,#0c1a34,#14325f 55%,#2f80cc);color:#fff;scroll-margin-top:80px}
.ctaband::after{content:"";position:absolute;z-index:-1;inset:0;background-image:radial-gradient(circle at center,rgba(255,255,255,.07) 1px,transparent 1px);background-size:28px 28px}
.ctaband-inner{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:clamp(24px,4vw,56px);align-items:center;padding-block:clamp(52px,7vw,92px)}
@media (max-width:860px){.ctaband-inner{grid-template-columns:1fr}}
.ctaband .eyebrow{color:#bcd8f5}
.ctaband .eyebrow::before{background:#fff}
.ctaband h2{color:#fff;font-size:var(--step-3);margin-top:14px}
.ctaband p{color:#d6e4f5;font-size:var(--step-1);margin-top:14px;max-width:52ch}
.ctaband .acts{display:flex;flex-direction:column;gap:12px}
.ctaband .acts .btn{width:100%;padding-block:15px}
.ctaband .acts small{color:#bcd2ea;font-size:.8rem;text-align:center}

/* ===== PIED DE PAGE ===== */
footer{background:var(--surface-2);border-top:1px solid var(--line);color:var(--muted);padding-block:0 30px}
.foot-rule{height:4px;background:var(--grad)}
.foot-top{display:grid;grid-template-columns:1.1fr repeat(3,1fr);gap:28px;padding-block:44px 28px;border-bottom:1px solid var(--line)}
@media (max-width:900px){.foot-top{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-top{grid-template-columns:1fr}}
.foot-brand .brand-logo{height:54px}
.foot-brand p{font-size:.88rem;margin-top:14px;max-width:34ch;line-height:1.6}
.foot-col .t{font-family:"Plus Jakarta Sans",sans-serif;font-weight:700;color:var(--ink);font-size:.9rem;margin-bottom:10px}
.foot-col ul{list-style:none;margin:0;padding:0}
.foot-col li{margin-top:7px}
.foot-col a{font-size:.9rem;color:var(--muted);transition:color .2s}
.foot-col a:hover{color:var(--blue-ink)}
.legal{margin-top:24px;font-size:.76rem;line-height:1.9;color:var(--faint);max-width:100ch}
.legal p{margin-top:11px}
.legal b{color:var(--text);font-weight:600}
.copy{margin-top:20px;font-size:.8rem;color:var(--faint)}