/* ==========================================================================
   Ixaar Assurance — Feuille de styles
   Architecture en cascade layers (ordre de priorité explicite)
   ========================================================================== */

@layer reset, base, layout, components, utilities;

/* --------------------------------------------------------------------------
   Polices auto-hébergées (conformité CNIL : aucun appel à un CDN tiers)
   -------------------------------------------------------------------------- */

@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 700;
  font-display: swap;
  src: url('../fonts/fraunces-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA,
    U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193,
    U+2212, U+2215, U+FEFF, U+FFFD;
}

@font-face {
  font-family: 'Fraunces';
  font-style: normal;
  font-weight: 300 700;
  font-display: swap;
  src: url('../fonts/fraunces-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF,
    U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020,
    U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 300 800;
  font-display: swap;
  src: url('../fonts/inter-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA,
    U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193,
    U+2212, U+2215, U+FEFF, U+FFFD;
}

@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 300 800;
  font-display: swap;
  src: url('../fonts/inter-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF,
    U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020,
    U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

/* ==========================================================================
   RESET
   ========================================================================== */

@layer reset {
  *,
  *::before,
  *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }

  html {
    -webkit-text-size-adjust: 100%;
    text-size-adjust: 100%;
  }

  img,
  svg,
  video {
    display: block;
    max-width: 100%;
    height: auto;
  }

  button,
  input,
  select,
  textarea {
    font: inherit;
    color: inherit;
  }

  button {
    background: none;
    border: 0;
    cursor: pointer;
  }

  a {
    color: inherit;
    text-decoration: none;
  }

  ul,
  ol {
    list-style: none;
  }

  :where(h1, h2, h3, h4) {
    font-weight: 500;
  }
}

/* ==========================================================================
   BASE — jetons de design, typographie, réglages globaux
   ========================================================================== */

@layer base {
  :root {
    /* Encre — la base sombre, dérivée de l'anthracite du logo */
    --ink-950: #0d0f14;
    --ink-900: #14161c;
    --ink-800: #1b1e26;
    --ink-750: #212530;
    --ink-700: #262a35;

    /* Framboise — la couleur exacte du logo Ixaar */
    --berry: #d32647;
    --berry-bright: #e8395a;
    --berry-soft: #e8748d;

    /* Neutres chauds */
    --bone: #f5f4f1;
    --bone-dim: #eae8e3;
    --slate: #6b6d72;

    /* Dérivés calculés — une seule source de vérité par couleur */
    --on-dark: var(--bone);
    --on-dark-muted: color-mix(in oklab, var(--bone) 64%, transparent);
    --on-dark-faint: color-mix(in oklab, var(--bone) 42%, transparent);
    --on-light: var(--ink-900);
    --on-light-muted: var(--slate);

    --line-dark: color-mix(in oklab, var(--bone) 14%, transparent);
    --line-light: color-mix(in oklab, var(--ink-900) 12%, transparent);

    --surface-raised: color-mix(in oklab, var(--bone) 4%, transparent);
    --berry-wash: color-mix(in oklab, var(--berry) 12%, transparent);

    /* Rythme spatial */
    --gutter: clamp(1.25rem, 4vw, 2rem);
    --measure: 65ch;
    --section-y: clamp(4.5rem, 9vw, 8rem);
    --radius: 14px;
    --radius-sm: 8px;

    /* Mouvement */
    --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
    --ease-spring: cubic-bezier(0.34, 1.4, 0.64, 1);

    --header-h: 76px;

    color-scheme: dark;
    accent-color: var(--berry);
  }

  /* Permet d'animer height: auto sur les accordéons */
  @supports (interpolate-size: allow-keywords) {
    :root {
      interpolate-size: allow-keywords;
    }
  }

  html {
    scroll-behavior: smooth;
  }

  @media (prefers-reduced-motion: reduce) {
    html {
      scroll-behavior: auto;
    }
  }

  body {
    background: var(--ink-900);
    color: var(--on-dark);
    font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
    font-size: 1rem;
    font-synthesis-weight: none;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    overflow-x: hidden;
  }

  h1,
  h2,
  h3,
  .display {
    font-family: 'Fraunces', 'Iowan Old Style', Georgia, serif;
    font-variation-settings: 'opsz' 96;
    font-weight: 500;
    line-height: 1.12;
    letter-spacing: -0.02em;
    text-wrap: balance;
  }

  p {
    text-wrap: pretty;
  }

  /* L'ancien rôle « mono » du design, rendu avec Inter :
     une seule famille de moins à télécharger. */
  .kicker {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    font-variant-numeric: tabular-nums;
  }

  :target {
    scroll-margin-top: calc(var(--header-h) + 24px);
  }

  :focus-visible {
    outline: 2px solid var(--berry-bright);
    outline-offset: 3px;
    border-radius: 2px;
  }

  ::selection {
    background: var(--berry);
    color: #fff;
  }

  /* Transitions de page natives (View Transitions API) */
  @view-transition {
    navigation: auto;
  }
}

/* ==========================================================================
   LAYOUT
   ========================================================================== */

@layer layout {
  .wrap {
    width: 100%;
    max-width: 1200px;
    margin-inline: auto;
    padding-inline: var(--gutter);
  }

  .wrap--narrow {
    max-width: 820px;
  }

  section {
    padding-block: var(--section-y);
  }

  /* Bandes claires alternées.
     color-scheme est repassé en clair : sinon les contrôles natifs
     (case à cocher, liste déroulante) restent peints en sombre. */
  .band-light {
    background: var(--bone);
    color: var(--on-light);
    color-scheme: light;
  }

  .band-light :is(h1, h2, h3) {
    color: var(--ink-900);
  }

  .band-light p {
    color: var(--on-light-muted);
  }

  .band-deep {
    background: var(--ink-950);
  }

  .section-head {
    max-width: 46rem;
    margin-bottom: clamp(2.5rem, 5vw, 3.75rem);
  }

  .section-head h2 {
    font-size: clamp(1.9rem, 3.4vw, 2.85rem);
    margin-block: 0.9rem 0;
  }

  .section-head p {
    margin-top: 1rem;
    font-size: 1.06rem;
    color: var(--on-dark-muted);
    max-width: 42rem;
  }

  .band-light .section-head p {
    color: var(--on-light-muted);
  }
}

/* ==========================================================================
   COMPONENTS
   ========================================================================== */

@layer components {
  /* ---------- Lien d'évitement ---------- */
  .skip-link {
    position: absolute;
    inset-inline-start: var(--gutter);
    inset-block-start: -100px;
    z-index: 200;
    padding: 0.75rem 1.25rem;
    background: var(--berry);
    color: #fff;
    font-weight: 600;
    border-radius: var(--radius-sm);
    transition: inset-block-start 0.2s var(--ease-out);
  }

  .skip-link:focus-visible {
    inset-block-start: 12px;
  }

  /* ---------- Sur-titre ---------- */
  .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    color: var(--berry-soft);
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
  }

  .eyebrow::before {
    content: '';
    inline-size: 18px;
    block-size: 1px;
    background: currentColor;
    flex: none;
  }

  .band-light .eyebrow {
    color: var(--berry);
  }

  /* ---------- Boutons ---------- */
  .btn {
    --btn-bg: var(--berry);
    --btn-fg: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.6rem;
    padding: 0.95rem 1.6rem;
    background: var(--btn-bg);
    color: var(--btn-fg);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    font-weight: 600;
    letter-spacing: -0.005em;
    white-space: nowrap;
    transition:
      background 0.2s var(--ease-out),
      transform 0.2s var(--ease-spring),
      box-shadow 0.25s var(--ease-out);
  }

  .btn:hover {
    background: color-mix(in oklab, var(--btn-bg) 88%, #fff);
    transform: translateY(-2px);
    box-shadow: 0 12px 28px -12px color-mix(in oklab, var(--berry) 70%, transparent);
  }

  .btn:active {
    transform: translateY(0);
  }

  .btn--ghost {
    --btn-bg: transparent;
    --btn-fg: var(--on-dark);
    border: 1px solid var(--line-dark);
  }

  .btn--ghost:hover {
    background: var(--surface-raised);
    border-color: var(--on-dark-faint);
    box-shadow: none;
  }

  .band-light .btn--ghost {
    --btn-fg: var(--ink-900);
    border-color: var(--line-light);
  }

  .band-light .btn--ghost:hover {
    background: color-mix(in oklab, var(--ink-900) 5%, transparent);
  }

  .btn--sm {
    padding: 0.65rem 1.15rem;
    font-size: 0.875rem;
  }

  .btn .arrow {
    transition: transform 0.25s var(--ease-spring);
  }

  .btn:hover .arrow {
    transform: translateX(4px);
  }

  /* ---------- En-tête ---------- */
  .site-header {
    position: sticky;
    inset-block-start: 0;
    z-index: 100;
    background: color-mix(in oklab, var(--ink-900) 82%, transparent);
    backdrop-filter: blur(14px) saturate(140%);
    -webkit-backdrop-filter: blur(14px) saturate(140%);
    border-block-end: 1px solid transparent;
    transition:
      border-color 0.3s var(--ease-out),
      background 0.3s var(--ease-out);
  }

  .site-header[data-scrolled='true'] {
    border-block-end-color: var(--line-dark);
    background: color-mix(in oklab, var(--ink-900) 94%, transparent);
  }

  .site-header .wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    min-block-size: var(--header-h);
  }

  .brand {
    display: inline-flex;
    align-items: center;
    flex: none;
  }

  .brand img {
    inline-size: auto;
    block-size: 40px;
  }

  .nav {
    display: flex;
    gap: clamp(1rem, 1.9vw, 2rem);
    font-size: 0.925rem;
    font-weight: 500;
    white-space: nowrap;
  }

  .nav a {
    position: relative;
    padding-block: 0.35rem;
    color: var(--on-dark-muted);
    transition: color 0.2s var(--ease-out);
  }

  .nav a::after {
    content: '';
    position: absolute;
    inset-inline: 0;
    inset-block-end: 0;
    block-size: 2px;
    background: var(--berry);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.28s var(--ease-out);
  }

  .nav a:is(:hover, [aria-current='true']) {
    color: var(--on-dark);
  }

  .nav a:is(:hover, [aria-current='true'])::after {
    transform: scaleX(1);
  }

  .header-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex: none;
  }

  .header-phone {
    display: none;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.925rem;
    font-weight: 600;
    color: var(--on-dark);
  }

  .header-phone svg {
    color: var(--berry-soft);
  }

  .burger {
    display: inline-grid;
    place-items: center;
    inline-size: 44px;
    block-size: 44px;
    margin-inline-end: -8px;
    border-radius: var(--radius-sm);
    color: var(--on-dark);
  }

  .burger:hover {
    background: var(--surface-raised);
  }

  /* 1060px : en dessous, les 5 entrées de menu se serrent contre le CTA */
  @media (width >= 1060px) {
    .burger {
      display: none;
    }

    .header-phone {
      display: inline-flex;
    }
  }

  @media (width < 1060px) {
    .nav {
      display: none;
    }
  }

  /* ---------- Menu mobile (dialog natif) ---------- */
  .menu-dialog {
    inline-size: min(420px, 100%);
    max-inline-size: 100%;
    block-size: 100dvh;
    max-block-size: 100dvh;
    margin: 0 0 0 auto;
    padding: 0;
    border: 0;
    background: var(--ink-800);
    color: var(--on-dark);
  }

  .menu-dialog::backdrop {
    background: color-mix(in oklab, var(--ink-950) 72%, transparent);
    backdrop-filter: blur(4px);
  }

  .menu-inner {
    display: flex;
    flex-direction: column;
    block-size: 100%;
    padding: 1.25rem var(--gutter) 2rem;
  }

  .menu-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-block-end: 1.5rem;
    border-block-end: 1px solid var(--line-dark);
  }

  .menu-links {
    display: flex;
    flex-direction: column;
    padding-block: 0.5rem;
  }

  .menu-links a {
    padding-block: 1rem;
    font-family: 'Fraunces', Georgia, serif;
    font-size: 1.35rem;
    border-block-end: 1px solid var(--line-dark);
  }

  .menu-foot {
    margin-block-start: auto;
    padding-block-start: 1.75rem;
    display: grid;
    gap: 0.75rem;
  }

  .menu-foot .btn {
    inline-size: 100%;
  }

  /* Animations d'ouverture/fermeture */
  @media (prefers-reduced-motion: no-preference) {
    .menu-dialog {
      transition:
        translate 0.32s var(--ease-out),
        overlay 0.32s allow-discrete,
        display 0.32s allow-discrete;
      translate: 0 0;
    }

    .menu-dialog:not([open]) {
      translate: 100% 0;
    }

    @starting-style {
      .menu-dialog[open] {
        translate: 100% 0;
      }
    }

    .menu-dialog::backdrop {
      transition:
        opacity 0.32s var(--ease-out),
        overlay 0.32s allow-discrete,
        display 0.32s allow-discrete;
      opacity: 1;
    }

    .menu-dialog:not([open])::backdrop {
      opacity: 0;
    }

    @starting-style {
      .menu-dialog[open]::backdrop {
        opacity: 0;
      }
    }
  }

  /* ---------- Hero ---------- */
  .hero {
    position: relative;
    padding-block: clamp(3.5rem, 7vw, 6.5rem) clamp(3rem, 6vw, 5rem);
    isolation: isolate;
  }

  /* Halo framboise diffus, purement décoratif */
  .hero::before {
    content: '';
    position: absolute;
    z-index: -1;
    inset-block-start: -30%;
    inset-inline-start: 50%;
    inline-size: min(1100px, 130vw);
    aspect-ratio: 1;
    translate: -50% 0;
    background: radial-gradient(
      circle,
      color-mix(in oklab, var(--berry) 22%, transparent) 0%,
      transparent 62%
    );
    pointer-events: none;
  }

  .hero-grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: clamp(2.5rem, 5vw, 4rem);
    align-items: center;
  }

  @media (width < 980px) {
    .hero-grid {
      grid-template-columns: 1fr;
    }
  }

  .hero h1 {
    font-size: clamp(2.35rem, 5.2vw, 4rem);
    margin-block: 1.35rem 1.25rem;
  }

  .hero h1 em {
    font-style: italic;
    color: var(--berry-soft);
    font-variation-settings: 'opsz' 144;
  }

  .hero .lead {
    font-size: clamp(1.02rem, 1.5vw, 1.15rem);
    color: var(--on-dark-muted);
    max-width: 34rem;
    margin-block-end: 2rem;
  }

  .btn-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
  }

  /* En flex plutôt qu'en grille figée : le bloc s'adapte quel que soit
     le nombre de chiffres affichés. */
  .hero-proof {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem clamp(1.75rem, 4vw, 3.5rem);
    margin-block-start: 2.5rem;
    padding-block-start: 1.75rem;
    border-block-start: 1px solid var(--line-dark);
  }

  .hero-proof div {
    display: flex;
    flex-direction: column;
    gap: 0.15rem;
  }

  .hero-proof dt {
    font-family: 'Fraunces', Georgia, serif;
    font-size: clamp(1.35rem, 2.4vw, 1.6rem);
    color: var(--berry-soft);
    line-height: 1.1;
  }

  .hero-proof dd {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    color: var(--on-dark-faint);
    margin: 0;
    text-wrap: balance;
  }

  /* ---------- Mosaïque du hero ---------- */
  .mosaic {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    grid-template-rows: minmax(150px, 22vw) minmax(96px, 13vw);
    grid-template-areas:
      'lead lead lead'
      'a b c';
    gap: 10px;
  }

  .tile {
    position: relative;
    display: flex;
    align-items: flex-end;
    overflow: hidden;
    border-radius: var(--radius);
    box-shadow: 0 18px 34px -18px rgb(0 0 0 / 0.55);
    transition:
      transform 0.4s var(--ease-spring),
      box-shadow 0.4s var(--ease-out);
  }

  .tile:nth-child(1) { grid-area: lead; }
  .tile:nth-child(2) { grid-area: a; }
  .tile:nth-child(3) { grid-area: b; }
  .tile:nth-child(4) { grid-area: c; }

  .tile img {
    position: absolute;
    inset: 0;
    inline-size: 100%;
    block-size: 100%;
    object-fit: cover;
    transition: scale 0.55s var(--ease-spring);
  }

  .tile::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(
      to top,
      rgb(0 0 0 / 0.78) 0%,
      rgb(0 0 0 / 0.15) 55%,
      transparent 100%
    );
  }

  .tile span {
    position: relative;
    z-index: 1;
    padding: 0.85rem 1rem;
    font-size: 0.85rem;
    font-weight: 600;
    color: #fff;
    text-shadow: 0 1px 3px rgb(0 0 0 / 0.5);
  }

  .tile:nth-child(1) span {
    padding: 1.25rem 1.4rem;
    font-size: 1.05rem;
  }

  @media (hover: hover) {
    .tile:hover {
      transform: translateY(-5px);
      box-shadow: 0 26px 46px -18px rgb(0 0 0 / 0.65);
    }

    .tile:hover img {
      scale: 1.09;
    }
  }

  /* ---------- Bandeau conformité défilant ---------- */
  .marquee {
    background: var(--ink-950);
    border-block: 1px solid var(--line-dark);
    padding-block: 0.9rem;
    overflow: hidden;
  }

  .marquee-track {
    display: flex;
    gap: 1rem;
    inline-size: max-content;
    white-space: nowrap;
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--on-dark-faint);
  }

  .marquee-track span:nth-child(even) {
    color: var(--berry-soft);
  }

  @media (prefers-reduced-motion: no-preference) {
    .marquee-track {
      animation: marquee 34s linear infinite;
    }

    .marquee:hover .marquee-track {
      animation-play-state: paused;
    }
  }

  @keyframes marquee {
    to {
      transform: translateX(-50%);
    }
  }

  @media (prefers-reduced-motion: reduce) {
    .marquee-track {
      flex-wrap: wrap;
      inline-size: auto;
      white-space: normal;
      justify-content: center;
    }
  }

  /* ---------- Sélecteur Particuliers / Professionnels ---------- */
  .tabs {
    display: inline-flex;
    gap: 4px;
    padding: 4px;
    margin-block-end: 2.5rem;
    background: color-mix(in oklab, var(--ink-900) 55%, transparent);
    border: 1px solid var(--line-light);
    border-radius: 999px;
  }

  .band-light .tabs {
    background: color-mix(in oklab, var(--ink-900) 6%, transparent);
  }

  .tab {
    padding: 0.65rem 1.5rem;
    border-radius: 999px;
    font-size: 0.925rem;
    font-weight: 600;
    color: var(--on-light-muted);
    transition:
      background 0.25s var(--ease-out),
      color 0.25s var(--ease-out);
  }

  .tab[aria-selected='true'] {
    background: var(--berry);
    color: #fff;
  }

  .tab:not([aria-selected='true']):hover {
    color: var(--ink-900);
  }

  /* Sans JS, les deux panneaux restent lisibles */
  .tab-panel[hidden] {
    display: none;
  }

  .panel-title {
    font-size: 1.35rem;
    margin-block-end: 1.5rem;
  }

  /* ---------- Grille de solutions ---------- */
  .grid-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 290px), 1fr));
    gap: 1px;
    background: var(--line-light);
    border: 1px solid var(--line-light);
    border-radius: var(--radius);
    overflow: hidden;
  }

  .card {
    container-type: inline-size;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
    padding: clamp(1.6rem, 3vw, 2.25rem);
    background: var(--bone);
    transition: background 0.25s var(--ease-out);
  }

  .card:hover {
    background: color-mix(in oklab, var(--bone) 94%, var(--berry));
  }

  .card .card-num {
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    color: var(--berry);
    font-variant-numeric: tabular-nums;
  }

  .card h3 {
    font-size: 1.22rem;
    color: var(--ink-900);
  }

  .card p {
    font-size: 0.94rem;
    color: var(--on-light-muted);
    margin: 0;
  }

  /* Le titre respire davantage dès que la carte est large */
  @container (min-width: 340px) {
    .card h3 {
      font-size: 1.32rem;
    }
  }

  /* ---------- Piliers ---------- */
  .pillars {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 270px), 1fr));
    gap: clamp(1.5rem, 3vw, 2.5rem);
  }

  .pillar {
    padding-block-start: 1.5rem;
    border-block-start: 2px solid var(--berry);
  }

  .pillar h3 {
    font-size: 1.25rem;
    margin-block: 0.85rem 0.6rem;
  }

  .pillar p {
    color: var(--on-dark-muted);
    font-size: 0.96rem;
  }

  .pillar-icon {
    color: var(--berry-soft);
  }

  /* ---------- Comparatif courtier / agent ---------- */
  .compare {
    margin-block-start: clamp(2.5rem, 5vw, 4rem);
    border: 1px solid var(--line-dark);
    border-radius: var(--radius);
    overflow: hidden;
  }

  .compare-row {
    display: grid;
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 1px;
    background: var(--line-dark);
  }

  .compare-row > * {
    background: var(--ink-800);
    padding: 1rem 1.25rem;
    font-size: 0.94rem;
  }

  .compare-row:first-child > * {
    background: var(--ink-750);
    font-weight: 600;
    font-size: 0.8rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--on-dark-faint);
  }

  .compare-row .is-us {
    background: color-mix(in oklab, var(--berry) 13%, var(--ink-800));
    color: var(--on-dark);
    font-weight: 500;
  }

  .compare-row:first-child .is-us {
    background: color-mix(in oklab, var(--berry) 24%, var(--ink-750));
    color: var(--bone);
  }

  .compare-row .crit {
    color: var(--on-dark-muted);
  }

  @media (width < 720px) {
    .compare-row {
      grid-template-columns: 1fr;
    }

    .compare-row > *:first-child {
      background: var(--ink-750);
      font-weight: 600;
    }

    .compare-row:first-child {
      display: none;
    }

    .compare-row .is-us::before {
      content: 'Ixaar — courtier : ';
      color: var(--berry-soft);
      font-weight: 600;
    }

    .compare-row .them::before {
      content: 'Agent mono-compagnie : ';
      color: var(--on-dark-faint);
      font-weight: 600;
    }
  }

  /* ---------- Étapes ---------- */
  .steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr));
    gap: clamp(1.5rem, 3vw, 2.25rem);
    counter-reset: step;
  }

  .step {
    counter-increment: step;
    padding-block-start: 1.5rem;
    border-block-start: 1px solid var(--line-dark);
  }

  .step::before {
    content: 'Étape ' counter(step);
    display: block;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--berry-soft);
    margin-block-end: 0.9rem;
  }

  .step h3 {
    font-size: 1.12rem;
    margin-block-end: 0.5rem;
  }

  .step p {
    font-size: 0.93rem;
    color: var(--on-dark-muted);
  }

  /* ---------- Statistiques ---------- */
  .about-grid {
    display: grid;
    grid-template-columns: 1.35fr 0.65fr;
    gap: clamp(2rem, 5vw, 4rem);
    align-items: start;
  }

  @media (width < 860px) {
    .about-grid {
      grid-template-columns: 1fr;
    }
  }

  .about-text p + p {
    margin-block-start: 1.1rem;
  }

  .about-text p {
    color: var(--on-dark-muted);
    font-size: 1.02rem;
    max-width: 38rem;
  }

  .stat {
    padding-block: 1.35rem;
    border-block-start: 1px solid var(--line-dark);
  }

  .stat:first-child {
    border-block-start: 0;
    padding-block-start: 0;
  }

  .stat-num {
    font-family: 'Fraunces', Georgia, serif;
    font-size: 2.4rem;
    line-height: 1;
    color: var(--berry-soft);
  }

  .stat-label {
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--on-dark-faint);
    margin-block-start: 0.5rem;
  }

  /* ---------- Témoignage ---------- */
  .quote {
    text-align: center;
  }

  .quote blockquote {
    font-family: 'Fraunces', Georgia, serif;
    font-size: clamp(1.4rem, 2.9vw, 2.1rem);
    font-style: italic;
    font-weight: 400;
    line-height: 1.35;
    max-width: 46rem;
    margin-inline: auto;
    text-wrap: balance;
  }

  .quote cite {
    display: block;
    margin-block-start: 1.5rem;
    font-family: 'Inter', sans-serif;
    font-style: normal;
    font-size: 0.9rem;
    color: var(--on-dark-faint);
  }

  .quote-mark {
    font-family: 'Fraunces', Georgia, serif;
    font-size: 4rem;
    line-height: 0.5;
    color: var(--berry);
    display: block;
    margin-block-end: 1.5rem;
  }

  /* ---------- Signature logo ---------- */
  .logo-signature {
    background: var(--bone);
    padding-block: clamp(2.5rem, 5vw, 3.5rem);
    text-align: center;
    border-block: 1px solid var(--line-light);
  }

  .logo-signature img {
    block-size: clamp(44px, 7vw, 64px);
    inline-size: auto;
    margin-inline: auto;
  }

  /* ---------- FAQ ---------- */
  .faq {
    display: grid;
    gap: 0;
    max-width: 52rem;
  }

  .faq details {
    border-block-end: 1px solid var(--line-dark);
  }

  .faq summary {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding-block: 1.35rem;
    cursor: pointer;
    list-style: none;
    font-family: 'Fraunces', Georgia, serif;
    font-size: clamp(1.02rem, 1.7vw, 1.2rem);
    transition: color 0.2s var(--ease-out);
  }

  .faq summary::-webkit-details-marker {
    display: none;
  }

  .faq summary:hover {
    color: var(--berry-soft);
  }

  .faq summary::after {
    content: '';
    flex: none;
    inline-size: 12px;
    block-size: 12px;
    border-inline-end: 2px solid var(--berry);
    border-block-end: 2px solid var(--berry);
    rotate: 45deg;
    translate: 0 -3px;
    transition: rotate 0.3s var(--ease-out);
  }

  .faq details[open] summary::after {
    rotate: 225deg;
    translate: 0 3px;
  }

  .faq details p {
    padding-block-end: 1.4rem;
    color: var(--on-dark-muted);
    font-size: 0.97rem;
    max-width: 46rem;
  }

  /* ---------- Contact ---------- */
  .contact-grid {
    display: grid;
    grid-template-columns: 0.85fr 1.15fr;
    gap: clamp(2.5rem, 5vw, 4.5rem);
    align-items: start;
  }

  @media (width < 940px) {
    .contact-grid {
      grid-template-columns: 1fr;
    }
  }

  .contact-info h2 {
    font-size: clamp(1.85rem, 3.2vw, 2.5rem);
    margin-block: 0.9rem 1rem;
  }

  .contact-list {
    display: grid;
    gap: 1.1rem;
    margin-block-start: 2rem;
  }

  .contact-list > div {
    display: grid;
    grid-template-columns: 22px 1fr;
    gap: 0.85rem;
    align-items: start;
  }

  .contact-list svg {
    color: var(--berry);
    margin-block-start: 3px;
  }

  .contact-list dt {
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--on-light-muted);
  }

  .contact-list dd {
    margin: 0;
    font-size: 1rem;
    color: var(--ink-900);
    font-weight: 500;
  }

  .contact-list a:hover {
    color: var(--berry);
  }

  /* ---------- Formulaire ---------- */
  .form-card {
    background: #fff;
    border: 1px solid var(--line-light);
    border-radius: var(--radius);
    padding: clamp(1.5rem, 3.5vw, 2.5rem);
    box-shadow: 0 20px 48px -30px rgb(0 0 0 / 0.35);
  }

  .field-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
  }

  @media (width < 560px) {
    .field-row {
      grid-template-columns: 1fr;
    }
  }

  .field {
    display: grid;
    gap: 0.4rem;
    margin-block-end: 1rem;
  }

  .field label {
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--ink-900);
  }

  .field .req {
    color: var(--berry);
  }

  .field :is(input, select, textarea) {
    inline-size: 100%;
    padding: 0.8rem 0.9rem;
    background: var(--bone);
    border: 1px solid var(--line-light);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    color: var(--ink-900);
    transition:
      border-color 0.2s var(--ease-out),
      box-shadow 0.2s var(--ease-out),
      background 0.2s var(--ease-out);
  }

  .field :is(input, select, textarea):focus {
    outline: none;
    background: #fff;
    border-color: var(--berry);
    box-shadow: 0 0 0 3px color-mix(in oklab, var(--berry) 18%, transparent);
  }

  .field textarea {
    min-block-size: 96px;
    resize: vertical;
    field-sizing: content;
    max-block-size: 260px;
  }

  /* Erreur affichée seulement après une tentative d'envoi */
  .form-card[data-submitted='true'] .field :is(input, textarea):invalid {
    border-color: var(--berry);
    background: color-mix(in oklab, var(--berry) 6%, #fff);
  }

  .field-error {
    font-size: 0.8rem;
    color: var(--berry);
    display: none;
  }

  .form-card[data-submitted='true'] .field:has(:invalid) .field-error {
    display: block;
  }

  .consent {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 0.7rem;
    align-items: start;
    margin-block: 0.5rem 1.25rem;
  }

  .consent input {
    inline-size: 18px;
    block-size: 18px;
    margin-block-start: 3px;
  }

  .consent label {
    font-size: 0.83rem;
    line-height: 1.5;
    color: var(--on-light-muted);
  }

  .consent a {
    color: var(--berry);
    text-decoration: underline;
    text-underline-offset: 2px;
  }

  /* Piège à robots — invisible et hors du flux d'accessibilité */
  .hp {
    position: absolute;
    inline-size: 1px;
    block-size: 1px;
    overflow: hidden;
    clip-path: inset(50%);
    white-space: nowrap;
  }

  .form-submit {
    inline-size: 100%;
    padding: 1rem;
    font-size: 0.98rem;
  }

  .form-submit[aria-busy='true'] {
    opacity: 0.7;
    pointer-events: none;
  }

  .form-note {
    margin-block-start: 0.9rem;
    font-size: 0.78rem;
    color: var(--on-light-muted);
    text-align: center;
  }

  .form-status {
    margin-block-start: 1rem;
    padding: 0.9rem 1rem;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
  }

  .form-status:empty {
    display: none;
  }

  .form-status[data-state='ok'] {
    background: color-mix(in oklab, #17864f 14%, #fff);
    color: #0f5c36;
    border: 1px solid color-mix(in oklab, #17864f 32%, transparent);
  }

  .form-status[data-state='error'] {
    background: color-mix(in oklab, var(--berry) 10%, #fff);
    color: #96182f;
    border: 1px solid color-mix(in oklab, var(--berry) 34%, transparent);
  }

  /* ---------- Pied de page ---------- */
  .site-footer {
    background: var(--ink-950);
    padding-block-start: clamp(3rem, 6vw, 4.5rem);
    border-block-start: 1px solid var(--line-dark);
  }

  .footer-cols {
    display: grid;
    grid-template-columns: 1.5fr repeat(3, 1fr);
    gap: clamp(1.75rem, 4vw, 3rem);
    padding-block-end: 3rem;
  }

  @media (width < 900px) {
    .footer-cols {
      grid-template-columns: 1fr 1fr;
    }
  }

  @media (width < 560px) {
    .footer-cols {
      grid-template-columns: 1fr;
    }
  }

  .footer-brand img {
    block-size: 34px;
    inline-size: auto;
    filter: brightness(0) invert(1);
    opacity: 0.9;
  }

  .footer-brand p {
    margin-block-start: 1.1rem;
    font-size: 0.9rem;
    color: var(--on-dark-faint);
    max-width: 24rem;
  }

  .footer-col h3 {
    font-family: 'Inter', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--berry-soft);
    margin-block-end: 1.1rem;
  }

  .footer-col ul {
    display: grid;
    gap: 0.7rem;
    font-size: 0.9rem;
    color: var(--on-dark-faint);
  }

  .footer-col a:hover {
    color: var(--on-dark);
  }

  .footer-legal {
    padding-block: 1.5rem;
    border-block-start: 1px solid var(--line-dark);
    font-size: 0.8rem;
    color: var(--on-dark-faint);
  }

  .footer-legal p {
    max-width: 70rem;
  }

  .footer-bottom {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding-block: 1.35rem;
    border-block-start: 1px solid var(--line-dark);
    font-size: 0.82rem;
    color: var(--on-dark-faint);
  }

  .footer-bottom nav {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem;
  }

  .footer-bottom a:hover {
    color: var(--on-dark);
  }

  /* ---------- Barre d'action mobile ---------- */
  .mobile-bar {
    position: fixed;
    inset-inline: 0;
    inset-block-end: 0;
    z-index: 90;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.6rem;
    padding: 0.7rem var(--gutter) calc(0.7rem + env(safe-area-inset-bottom));
    background: color-mix(in oklab, var(--ink-950) 92%, transparent);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-block-start: 1px solid var(--line-dark);
    translate: 0 110%;
    transition: translate 0.35s var(--ease-out);
  }

  .mobile-bar[data-visible='true'] {
    translate: 0 0;
  }

  .mobile-bar .btn {
    inline-size: 100%;
    padding-block: 0.8rem;
    font-size: 0.9rem;
  }

  /* Alignée sur le seuil du menu : la barre prend le relais dès que la
     navigation d'en-tête disparaît. */
  @media (width >= 1060px) {
    .mobile-bar {
      display: none;
    }
  }

  /* Laisse la place à la barre en bas de page */
  @media (width < 1060px) {
    body {
      padding-block-end: 4.5rem;
    }
  }

  /* ---------- Pages de contenu légal ---------- */
  .prose h1 {
    font-size: clamp(2rem, 4vw, 2.9rem);
    margin-block-end: 0.75rem;
  }

  .prose .updated {
    color: var(--on-dark-faint);
    font-size: 0.85rem;
    margin-block-end: 2.5rem;
  }

  .prose h2 {
    font-size: clamp(1.3rem, 2.4vw, 1.6rem);
    margin-block: 2.5rem 0.9rem;
    padding-block-start: 1.5rem;
    border-block-start: 1px solid var(--line-dark);
  }

  .prose h3 {
    font-size: 1.08rem;
    margin-block: 1.6rem 0.5rem;
  }

  .prose p,
  .prose li {
    color: var(--on-dark-muted);
    max-width: var(--measure);
  }

  .prose p + p {
    margin-block-start: 0.9rem;
  }

  .prose ul {
    display: grid;
    gap: 0.5rem;
    margin-block-start: 0.9rem;
    padding-inline-start: 1.2rem;
    list-style: disc;
  }

  .prose a {
    color: var(--berry-soft);
    text-decoration: underline;
    text-underline-offset: 3px;
  }

  .prose strong {
    color: var(--on-dark);
    font-weight: 600;
  }

  /* ---------- Pages de service ---------- */

  .breadcrumb {
    padding-block: 1.25rem 0;
    font-size: 0.82rem;
    color: var(--on-dark-faint);
  }

  .breadcrumb ol {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.5rem;
  }

  .breadcrumb li + li::before {
    content: '/';
    margin-inline-end: 0.5rem;
    color: var(--on-dark-faint);
  }

  .breadcrumb a:hover {
    color: var(--berry-soft);
  }

  .breadcrumb [aria-current] {
    color: var(--on-dark-muted);
  }

  .page-hero {
    padding-block: clamp(2.5rem, 5vw, 4rem) clamp(3rem, 6vw, 4.5rem);
    position: relative;
    isolation: isolate;
  }

  .page-hero::before {
    content: '';
    position: absolute;
    z-index: -1;
    inset-block-start: -45%;
    inset-inline-start: 50%;
    inline-size: min(900px, 120vw);
    aspect-ratio: 1;
    translate: -50% 0;
    background: radial-gradient(
      circle,
      color-mix(in oklab, var(--berry) 16%, transparent) 0%,
      transparent 62%
    );
    pointer-events: none;
  }

  .page-hero h1 {
    font-size: clamp(2rem, 4.4vw, 3.25rem);
    margin-block: 1.1rem 1.25rem;
    max-width: 20ch;
  }

  .page-hero .lead {
    font-size: clamp(1rem, 1.5vw, 1.12rem);
    color: var(--on-dark-muted);
    max-width: 46rem;
    margin-block-end: 2rem;
  }

  /* Corps de texte long */
  .content h2 {
    font-size: clamp(1.55rem, 2.8vw, 2.1rem);
    margin-block: clamp(2.5rem, 5vw, 3.5rem) 1rem;
  }

  .content h2:first-child {
    margin-block-start: 0;
  }

  .content h3 {
    font-size: 1.18rem;
    margin-block: 1.9rem 0.6rem;
  }

  .content p {
    color: var(--on-dark-muted);
    max-width: var(--measure);
  }

  .content p + p {
    margin-block-start: 1rem;
  }

  .band-light .content p {
    color: var(--on-light-muted);
  }

  .content strong {
    color: var(--on-dark);
    font-weight: 600;
  }

  .band-light .content strong {
    color: var(--ink-900);
  }

  .content a:not(.btn) {
    color: var(--berry-soft);
    text-decoration: underline;
    text-underline-offset: 3px;
  }

  .band-light .content a:not(.btn) {
    color: var(--berry);
  }

  /* Liste à puces cochées */
  .checklist {
    display: grid;
    gap: 0.8rem;
    margin-block-start: 1.25rem;
    max-width: var(--measure);
  }

  /* La puce est positionnée en absolu, et non posée en grille :
     sinon le texte suivant un <strong> forme un élément de grille
     anonyme, renvoyé dans la colonne étroite et brisé mot à mot. */
  .checklist li {
    position: relative;
    padding-inline-start: 1.9rem;
    color: var(--on-dark-muted);
  }

  .band-light .checklist li {
    color: var(--on-light-muted);
  }

  .checklist li::before {
    content: '';
    position: absolute;
    inset-inline-start: 1px;
    inset-block-start: 0.35em;
    inline-size: 13px;
    block-size: 7px;
    border-inline-start: 2px solid var(--berry);
    border-block-end: 2px solid var(--berry);
    rotate: -45deg;
  }

  /* Encadré d'alerte ou de mise en garde */
  .callout {
    display: grid;
    gap: 0.5rem;
    padding: clamp(1.25rem, 3vw, 1.75rem);
    margin-block: 1.75rem;
    max-width: var(--measure);
    background: color-mix(in oklab, var(--berry) 10%, transparent);
    border-inline-start: 3px solid var(--berry);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  }

  .callout strong {
    color: var(--on-dark);
  }

  .band-light .callout strong {
    color: var(--ink-900);
  }

  .callout p {
    margin: 0;
    font-size: 0.96rem;
  }

  /* Bandeau d'appel à l'action en fin de page */
  .cta-band {
    background: var(--ink-950);
    border-block: 1px solid var(--line-dark);
    text-align: center;
  }

  .cta-band h2 {
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    margin-block-end: 0.9rem;
  }

  .cta-band p {
    color: var(--on-dark-muted);
    max-width: 38rem;
    margin-inline: auto;
    margin-block-end: 1.9rem;
  }

  .cta-band .btn-row {
    justify-content: center;
  }

  /* Maillage vers les autres pages de service */
  .related {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr));
    gap: 1rem;
    margin-block-start: 1.5rem;
  }

  .related a {
    display: grid;
    gap: 0.35rem;
    padding: 1.25rem 1.4rem;
    background: var(--ink-800);
    border: 1px solid var(--line-dark);
    border-radius: var(--radius);
    transition:
      border-color 0.25s var(--ease-out),
      transform 0.25s var(--ease-spring);
  }

  .related a:hover {
    border-color: var(--berry);
    transform: translateY(-3px);
  }

  .related .r-tag {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--berry-soft);
  }

  .related .r-title {
    font-family: 'Fraunces', Georgia, serif;
    font-size: 1.08rem;
  }

  /* Marqueurs de rédaction — à retirer une fois les informations renseignées */
  .todo {
    background: color-mix(in oklab, var(--berry) 22%, transparent);
    color: var(--bone);
    padding: 0.1em 0.4em;
    border-radius: 4px;
    box-decoration-break: clone;
    -webkit-box-decoration-break: clone;
  }

  .todo-box {
    padding: 1rem 1.15rem;
    margin-block: 1.25rem;
    background: color-mix(in oklab, var(--berry) 9%, transparent);
    border-inline-start: 3px solid var(--berry);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-size: 0.92rem;
  }
}

/* ==========================================================================
   UTILITIES
   ========================================================================== */

@layer utilities {
  .visually-hidden {
    position: absolute;
    inline-size: 1px;
    block-size: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip-path: inset(50%);
    white-space: nowrap;
    border: 0;
  }

  .mt-lg {
    margin-block-start: clamp(2rem, 4vw, 3rem);
  }

  /* ---------- Révélation au défilement ----------
     1. Par défaut : rien n'est masqué (aucun risque si CSS/JS échoue)
     2. Navigateurs récents : animation pilotée par le défilement, sans JS
     3. Sinon : le script pose .js-reveal et bascule sur IntersectionObserver */

  @media (prefers-reduced-motion: no-preference) {
    @supports (animation-timeline: view()) {
      .reveal {
        animation: reveal-in linear both;
        animation-timeline: view();
        animation-range: entry 8% cover 26%;
      }
    }

    .js-reveal .reveal {
      opacity: 0;
      translate: 0 22px;
      transition:
        opacity 0.65s var(--ease-out),
        translate 0.65s var(--ease-out);
    }

    .js-reveal .reveal.is-in {
      opacity: 1;
      translate: 0 0;
    }
  }

  @keyframes reveal-in {
    from {
      opacity: 0;
      translate: 0 26px;
    }
    to {
      opacity: 1;
      translate: 0 0;
    }
  }
}