/* assurancesauto.lu — Design system
   Aesthetic: editorial reference / consumer journal
   Typography: Spectral (serif display) + IBM Plex Sans (body)
   Palette: forest green / warm ivory / gold
   Completely distinct from Switchr's blue/navy tech palette
*/

@import url('https://fonts.googleapis.com/css2?family=Spectral:ital,wght@0,400;0,600;0,700;1,400&family=IBM+Plex+Sans:wght@400;500;600&display=swap');

:root {
  --green-deep:   #1A2F23;
  --green-mid:    #2D4A38;
  --green-light:  #EAF1EB;
  --gold:         #C4933A;
  --gold-light:   #FDF5E6;
  --ivory:        #F7F3ED;
  --ivory-dark:   #EDE7DC;
  --text:         #1C1917;
  --text-mid:     #44403C;
  --text-light:   #78716C;
  --border:       #D6CFC5;
  --border-dark:  #A8A29E;
  --red:          #B91C1C;
  --red-light:    #FEF2F2;
  --white:        #FFFFFF;

  --font-display: 'Spectral', Georgia, serif;
  --font-body:    'IBM Plex Sans', -apple-system, sans-serif;

  --max: 860px;
  --r:   10px;
  --r-sm: 6px;
  --shadow: 0 2px 12px rgba(26,47,35,.08);
  --shadow-lg: 0 6px 28px rgba(26,47,35,.12);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.75;
  color: var(--text);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
}

/* ── NAV ─────────────────────────────────────────── */
.nav {
  background: var(--green-deep);
  position: sticky; top: 0; z-index: 100;
  border-bottom: 3px solid var(--gold);
}
.nav-inner {
  max-width: 1080px; margin: 0 auto;
  padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 58px;
}
.nav-logo {
  font-family: var(--font-display);
  font-size: 17px; font-weight: 700;
  color: var(--white); text-decoration: none;
  letter-spacing: -.01em;
  display: flex; align-items: center; gap: 10px;
}
.nav-logo-dot {
  width: 8px; height: 8px;
  background: var(--gold); border-radius: 50%;
  display: inline-block;
}
.nav-links {
  display: flex; gap: 4px; list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,.75);
  text-decoration: none; font-size: 13px; font-weight: 500;
  padding: 6px 12px; border-radius: var(--r-sm);
  transition: all .15s;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white); background: rgba(255,255,255,.1);
}
.nav-cta {
  background: var(--gold); color: var(--green-deep) !important;
  font-weight: 600 !important;
  padding: 7px 16px !important;
  border-radius: var(--r-sm) !important;
}
.nav-cta:hover { background: #D4A347 !important; }

/* ── HERO ────────────────────────────────────────── */
.hero {
  background: var(--green-deep);
  padding: 56px 24px 52px;
  text-align: center;
}
.hero-label {
  display: inline-block;
  font-size: 11px; font-weight: 600; letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(26px, 4vw, 40px);
  font-weight: 700; line-height: 1.2;
  color: var(--white);
  max-width: 680px; margin: 0 auto 16px;
}
.hero-sub {
  color: rgba(255,255,255,.65);
  font-size: 15px; max-width: 520px; margin: 0 auto 28px;
  line-height: 1.6;
}
.hero-meta {
  font-size: 12px; color: rgba(255,255,255,.4);
  margin-top: 20px;
}

/* ── BUTTONS ─────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 10px 22px; border-radius: var(--r-sm);
  font-family: var(--font-body); font-size: 14px; font-weight: 600;
  text-decoration: none; cursor: pointer; border: none;
  transition: all .15s;
}
.btn-gold {
  background: var(--gold); color: var(--green-deep);
}
.btn-gold:hover { background: #D4A347; transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,.35);
  color: rgba(255,255,255,.85);
}
.btn-outline:hover { border-color: rgba(255,255,255,.7); color: var(--white); }
.btn-green {
  background: var(--green-mid); color: var(--white);
}
.btn-green:hover { background: var(--green-deep); }

/* ── LAYOUT ──────────────────────────────────────── */
.container {
  max-width: var(--max);
  margin: 0 auto; padding: 0 24px;
}
.container-wide {
  max-width: 1080px;
  margin: 0 auto; padding: 0 24px;
}

.section { padding: 56px 24px; }
.section-alt { background: var(--white); }
.section-green { background: var(--green-light); }
.section-gold { background: var(--gold-light); border-top: 1px solid #E8D5A8; border-bottom: 1px solid #E8D5A8; }

/* ── TYPOGRAPHY ──────────────────────────────────── */
.section-label {
  font-size: 11px; font-weight: 600; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 10px;
}
h2 {
  font-family: var(--font-display);
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 700; line-height: 1.25;
  color: var(--green-deep);
  margin-bottom: 12px;
}
h3 {
  font-family: var(--font-display);
  font-size: 18px; font-weight: 600;
  color: var(--green-deep);
  margin-bottom: 8px;
}
h4 {
  font-size: 13px; font-weight: 600;
  color: var(--text-mid); text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 6px;
}
p { color: var(--text-mid); margin-bottom: 14px; }
p:last-child { margin-bottom: 0; }

/* ── VERDICT BOX ─────────────────────────────────── */
.verdict {
  background: var(--gold-light);
  border: 2px solid var(--gold);
  border-radius: var(--r);
  padding: 24px 28px;
  margin: 28px 0;
}
.verdict-label {
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 12px;
}
.verdict p {
  color: var(--text); font-weight: 500; margin-bottom: 8px;
}
.verdict p:last-child { margin-bottom: 0; }
.verdict strong { color: var(--green-deep); }

/* ── ANSWER BOX (LLM-optimized direct answer) ────── */
.answer-box {
  background: var(--green-deep);
  border-radius: var(--r);
  padding: 24px 28px;
  margin-bottom: 36px;
}
.answer-box-label {
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 10px;
}
.answer-box p {
  color: rgba(255,255,255,.9);
  line-height: 1.65;
}
.answer-box strong { color: var(--white); }

/* ── INSURER CARDS ───────────────────────────────── */
.insurer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px; margin: 24px 0;
}
.insurer-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 20px;
  transition: box-shadow .15s;
}
.insurer-card:hover { box-shadow: var(--shadow); }
.insurer-name {
  font-family: var(--font-display);
  font-size: 17px; font-weight: 700;
  color: var(--green-deep); margin-bottom: 4px;
}
.insurer-tag {
  display: inline-block;
  font-size: 11px; font-weight: 600;
  padding: 2px 8px; border-radius: 4px;
  margin-bottom: 10px;
}
.tag-gold { background: var(--gold-light); color: var(--gold); }
.tag-green { background: var(--green-light); color: var(--green-mid); }
.insurer-card ul {
  list-style: none; font-size: 13px; color: var(--text-mid);
}
.insurer-card ul li {
  padding: 4px 0; border-bottom: 1px solid var(--border);
  display: flex; align-items: flex-start; gap: 6px;
}
.insurer-card ul li:last-child { border-bottom: none; }
.insurer-card ul li::before { content: "✓"; color: var(--gold); flex-shrink: 0; }

/* ── COMPARISON TABLE ────────────────────────────── */
.table-wrap {
  overflow-x: auto; margin: 24px 0;
  border-radius: var(--r); border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
table {
  width: 100%; border-collapse: collapse;
  background: var(--white);
  font-size: 13.5px;
}
thead { background: var(--green-deep); }
thead th {
  padding: 12px 16px; text-align: left;
  color: var(--white); font-weight: 600;
  font-size: 12px; letter-spacing: .03em;
  white-space: nowrap;
}
thead th:first-child { min-width: 180px; }
tbody tr { border-bottom: 1px solid var(--border); }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--ivory); }
tbody td {
  padding: 11px 16px; color: var(--text-mid);
  vertical-align: top;
}
tbody td:first-child { font-weight: 600; color: var(--text); }
.check { color: var(--green-mid); font-size: 15px; }
.cross { color: #9CA3AF; font-size: 15px; }
.opt { color: var(--gold); font-size: 13px; }
.highlight-row { background: var(--green-light); }
.highlight-row:hover { background: #D9EAD9; }

/* ── PRICE CARDS ─────────────────────────────────── */
.price-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px; margin: 24px 0;
}
.price-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 20px; text-align: center;
}
.price-card.featured {
  border: 2px solid var(--gold);
  background: var(--gold-light);
}
.price-label {
  font-size: 12px; font-weight: 600;
  color: var(--text-light); margin-bottom: 6px;
  text-transform: uppercase; letter-spacing: .06em;
}
.price-range {
  font-family: var(--font-display);
  font-size: 24px; font-weight: 700;
  color: var(--green-deep); line-height: 1;
  margin-bottom: 4px;
}
.price-unit { font-size: 12px; color: var(--text-light); margin-bottom: 12px; }
.price-desc { font-size: 12px; color: var(--text-mid); line-height: 1.5; }

/* ── PROFILE BLOCKS ──────────────────────────────── */
.profile-list { margin: 24px 0; display: flex; flex-direction: column; gap: 12px; }
.profile-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--r);
  padding: 16px 20px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 16px; align-items: start;
}
.profile-icon { font-size: 22px; }
.profile-name { font-weight: 600; color: var(--text); font-size: 14px; }
.profile-desc { font-size: 13px; color: var(--text-mid); margin-top: 2px; }
.profile-rec {
  font-size: 12px; font-weight: 600;
  color: var(--green-mid); white-space: nowrap;
  background: var(--green-light);
  padding: 4px 10px; border-radius: 20px;
  align-self: center;
}

/* ── BM TABLE ────────────────────────────────────── */
.bm-scale {
  display: flex; flex-direction: column; gap: 3px;
  margin: 20px 0;
}
.bm-row {
  display: grid; grid-template-columns: 80px 60px 1fr 120px;
  align-items: center; gap: 12px;
  padding: 8px 14px; border-radius: 6px;
  font-size: 13px;
}
.bm-row.best { background: var(--green-light); }
.bm-row.good { background: #F0F7F0; }
.bm-row.neutral { background: var(--white); border: 1px solid var(--border); }
.bm-row.bad { background: #FFF7ED; }
.bm-row.worst { background: var(--red-light); }
.bm-degree { font-weight: 700; color: var(--green-deep); }
.bm-pct { font-weight: 600; color: var(--text-mid); }
.bm-bar-wrap { height: 6px; background: var(--border); border-radius: 3px; overflow: hidden; }
.bm-bar { height: 100%; border-radius: 3px; }
.bar-best { background: var(--green-mid); }
.bar-ok { background: #86EFAC; }
.bar-neutral { background: var(--gold); }
.bar-bad { background: #FB923C; }
.bar-worst { background: var(--red); }
.bm-situation { color: var(--text-light); font-size: 12px; }

/* ── CALCULATOR ──────────────────────────────────── */
.calc-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px; margin: 24px 0;
  box-shadow: var(--shadow);
}
.calc-row {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 20px; margin-bottom: 20px;
}
.field label {
  display: block; font-size: 12px; font-weight: 600;
  color: var(--text-mid); text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 6px;
}
.field select, .field input {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: 14px; color: var(--text);
  background: var(--ivory);
  appearance: none;
  transition: border-color .15s;
}
.field select:focus, .field input:focus {
  outline: none; border-color: var(--green-mid);
  background: var(--white);
}
.calc-result {
  background: var(--green-deep);
  border-radius: var(--r);
  padding: 20px 24px;
  margin-top: 4px;
  display: none;
}
.calc-result.visible { display: block; }
.result-label { font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--gold); margin-bottom: 8px; }
.result-degree {
  font-family: var(--font-display);
  font-size: 36px; font-weight: 700; color: var(--white); line-height: 1;
  margin-bottom: 4px;
}
.result-pct { font-size: 15px; color: rgba(255,255,255,.7); margin-bottom: 12px; }
.result-desc { font-size: 13px; color: rgba(255,255,255,.75); line-height: 1.5; }

/* ── FAQ ─────────────────────────────────────────── */
.faq-list { margin: 24px 0; display: flex; flex-direction: column; gap: 1px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  margin-bottom: 6px;
}
.faq-q {
  padding: 16px 20px;
  font-weight: 600; font-size: 14px; color: var(--green-deep);
  cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  gap: 12px;
  user-select: none;
  transition: background .15s;
}
.faq-q:hover { background: var(--ivory); }
.faq-icon { flex-shrink: 0; transition: transform .2s; color: var(--gold); font-size: 18px; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  padding: 0 20px;
  max-height: 0; overflow: hidden;
  transition: max-height .3s ease, padding .3s;
}
.faq-item.open .faq-a {
  padding: 0 20px 16px;
  max-height: 600px;
}
.faq-a p { font-size: 13.5px; color: var(--text-mid); }

/* ── NOTICE / ALERT ──────────────────────────────── */
.notice {
  border-radius: var(--r-sm);
  padding: 14px 18px;
  font-size: 13px; margin: 20px 0;
  display: flex; gap: 10px; align-items: flex-start;
}
.notice-green {
  background: var(--green-light);
  border-left: 3px solid var(--green-mid);
  color: var(--green-mid);
}
.notice-gold {
  background: var(--gold-light);
  border-left: 3px solid var(--gold);
  color: #92681A;
}
.notice-icon { flex-shrink: 0; margin-top: 1px; }

/* ── BREADCRUMB ──────────────────────────────────── */
.breadcrumb {
  background: var(--ivory-dark);
  border-bottom: 1px solid var(--border);
  padding: 10px 24px;
}
.breadcrumb-inner {
  max-width: var(--max); margin: 0 auto;
  font-size: 12px; color: var(--text-light);
}
.breadcrumb a { color: var(--text-light); text-decoration: none; }
.breadcrumb a:hover { color: var(--green-mid); }
.breadcrumb span { margin: 0 6px; }

/* ── CTA BAND ────────────────────────────────────── */
.cta-band {
  background: var(--green-deep);
  padding: 36px 24px; text-align: center;
  border-top: 3px solid var(--gold);
}
.cta-band h3 {
  font-family: var(--font-display);
  color: var(--white); font-size: 20px; margin-bottom: 8px;
}
.cta-band p {
  color: rgba(255,255,255,.65); font-size: 13px; margin-bottom: 20px;
}
.cta-fine {
  font-size: 11px; color: rgba(255,255,255,.35);
  margin-top: 12px;
}

/* ── FOOTER ──────────────────────────────────────── */
.footer {
  background: #111A14;
  padding: 40px 24px;
  border-top: 1px solid rgba(255,255,255,.06);
}
.footer-inner {
  max-width: 1080px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  gap: 32px;
}
.footer-brand {
  font-family: var(--font-display);
  font-size: 16px; font-weight: 700;
  color: var(--white); margin-bottom: 8px;
}
.footer-desc { font-size: 12px; color: rgba(255,255,255,.4); line-height: 1.6; }
.footer-col-title {
  font-size: 11px; font-weight: 600; letter-spacing: .1em;
  text-transform: uppercase; color: rgba(255,255,255,.4);
  margin-bottom: 12px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 6px; }
.footer-links a {
  font-size: 13px; color: rgba(255,255,255,.55);
  text-decoration: none;
}
.footer-links a:hover { color: var(--white); }
.footer-bottom {
  max-width: 1080px; margin: 28px auto 0;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.06);
  font-size: 11px; color: rgba(255,255,255,.25);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 8px;
}

/* ── TOC ─────────────────────────────────────────── */
.toc {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 20px 24px;
  margin: 28px 0;
}
.toc-title {
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--text-light);
  margin-bottom: 12px;
}
.toc ul { list-style: none; }
.toc li { padding: 3px 0; }
.toc a {
  font-size: 13px; color: var(--green-mid);
  text-decoration: none; display: flex; align-items: center; gap: 6px;
}
.toc a::before { content: "→"; color: var(--gold); font-size: 11px; }
.toc a:hover { color: var(--green-deep); }

/* ── DIVIDER ─────────────────────────────────────── */
.divider {
  border: none; border-top: 1px solid var(--border);
  margin: 32px 0;
}

/* ── SOURCE NOTE ─────────────────────────────────── */
.source-note {
  font-size: 11px; color: var(--text-light);
  border-top: 1px solid var(--border);
  padding-top: 16px; margin-top: 28px;
  line-height: 1.6;
}

/* ── RESPONSIVE ──────────────────────────────────── */
@media (max-width: 680px) {
  .nav-links { display: none; }
  .footer-inner { grid-template-columns: 1fr; gap: 24px; }
  .calc-row { grid-template-columns: 1fr; }
  .profile-item { grid-template-columns: auto 1fr; }
  .profile-rec { grid-column: 2; margin-top: -4px; }
  .bm-row { grid-template-columns: 70px 55px 1fr; }
  .bm-situation { display: none; }
}

/* ── ADDITIONS — devis + mentions légales ── */
.hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(196,147,58,.15); border: 1px solid rgba(196,147,58,.3);
  border-radius: 20px; padding: 5px 14px; margin-bottom: 14px;
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--gold);
}
.formule-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px; margin: 24px 0;
}
.formule-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--r); overflow: hidden;
  transition: box-shadow .15s;
}
.formule-card:hover { box-shadow: var(--shadow-lg); }
.formule-card.featured { border: 2px solid var(--gold); }
.formule-header {
  padding: 18px 18px 14px;
  background: var(--ivory);
}
.formule-card.featured .formule-header { background: var(--gold-light); }
.formule-name {
  font-family: var(--font-display);
  font-size: 18px; font-weight: 700; color: var(--green-deep);
}
.formule-tag {
  font-size: 11px; color: var(--text-light); margin-top: 2px;
}
.formule-price {
  font-size: 22px; font-weight: 700; color: var(--green-deep);
  margin-top: 10px;
}
.formule-price-unit { font-size: 12px; font-weight: 400; color: var(--text-light); }
.formule-body { padding: 16px 18px; }
.formule-list { list-style: none; font-size: 13px; color: var(--text-mid); }
.formule-list li { padding: 5px 0; border-bottom: 1px solid var(--border); display: flex; gap: 8px; align-items: flex-start; }
.formule-list li:last-child { border-bottom: none; }
.formule-list .fi { color: var(--gold); flex-shrink: 0; margin-top: 1px; }
.formule-list .fi-x { color: #9CA3AF; flex-shrink: 0; margin-top: 1px; }
.formule-cta {
  display: block; text-align: center;
  margin: 14px 18px 18px;
  padding: 10px; border-radius: var(--r-sm);
  font-weight: 600; font-size: 13px;
  text-decoration: none; transition: all .15s;
}
.formule-cta-gold { background: var(--gold); color: var(--green-deep); }
.formule-cta-gold:hover { background: #D4A347; }
.formule-cta-green { background: var(--green-deep); color: var(--white); }
.formule-cta-green:hover { background: var(--green-mid); }
.formule-cta-outline { background: transparent; border: 1.5px solid var(--border); color: var(--text-mid); }
.formule-cta-outline:hover { border-color: var(--green-mid); color: var(--green-mid); }

.step-process {
  display: flex; flex-direction: column; gap: 0; margin: 24px 0;
  position: relative;
}
.step-process::before {
  content: ""; position: absolute;
  left: 19px; top: 24px; bottom: 24px; width: 2px;
  background: var(--border);
}
.step-p {
  display: grid; grid-template-columns: 40px 1fr;
  gap: 16px; align-items: start; position: relative;
  padding-bottom: 20px;
}
.step-p:last-child { padding-bottom: 0; }
.step-num {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--green-deep); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px; flex-shrink: 0;
  position: relative; z-index: 1;
}
.step-content { background: var(--white); border: 1px solid var(--border); border-radius: var(--r); padding: 14px 18px; }
.step-content strong { color: var(--green-deep); display: block; margin-bottom: 4px; font-size: 14px; }
.step-content p { font-size: 13px; margin: 0; }

.legal-section { margin-bottom: 36px; }
.legal-section h2 { margin-bottom: 12px; font-size: 18px; }
.legal-section p, .legal-section li { font-size: 14px; color: var(--text-mid); }
.legal-section ul { padding-left: 20px; }
.legal-section li { margin-bottom: 4px; }
.legal-table { width: 100%; border-collapse: collapse; font-size: 13px; margin: 16px 0; }
.legal-table td { padding: 10px 14px; border: 1px solid var(--border); }
.legal-table td:first-child { font-weight: 600; width: 40%; background: var(--ivory); }

@media (max-width: 640px) {
  .formule-grid { grid-template-columns: 1fr; }
}