/* =====================================================================
   ASSURÉMENT — Comparateur d'assurance vie (grand public)
   Direction : blanc, épuré, moderne "seamless" (réf. emma.ca).
   Blanc dominant + touches de beige, grandes photos, ombres douces.
   Typo : Poppins (titres) + Inter (corps).
   ===================================================================== */
@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@500;600;700&family=Inter:wght@400;500;600&display=swap');

:root{
  --bg:#ffffff;
  --beige:#faf6f0;      /* section douce */
  --beige-2:#f4eee4;
  --card:#ffffff;
  --coral:#ff6b5b;
  --coral-dark:#ec4f3f;
  --coral-soft:#fff2ef;
  --teal:#13a292;
  --ink:#20242e;
  --ink-soft:#6b7280;
  --line:#eee9e1;
  --shadow-xs:0 2px 8px -3px rgba(32,36,46,.08);
  --shadow-sm:0 10px 30px -18px rgba(32,36,46,.18);
  --shadow:0 24px 60px -30px rgba(32,36,46,.28);
  --r:24px; --r-sm:16px;
  --disp:'Poppins',system-ui,sans-serif;
  --sans:'Inter',system-ui,-apple-system,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;letter-spacing:-.01em}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
::selection{background:var(--coral);color:#fff}
.wrap{width:100%;max-width:1140px;margin:0 auto;padding:0 24px}
section{position:relative}

h1,h2,h3{font-family:var(--disp);font-weight:600;line-height:1.08;letter-spacing:-.03em}
h1{font-size:clamp(2.4rem,5.3vw,4rem);font-weight:700}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:700}
h3{font-size:clamp(1.1rem,1.7vw,1.35rem);font-weight:600}
.hl{color:var(--coral)}
.lead{font-size:clamp(1.05rem,1.35vw,1.2rem);color:var(--ink-soft);max-width:52ch;font-weight:400}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--disp);font-weight:600;font-size:.76rem;
  letter-spacing:.06em;text-transform:uppercase;color:var(--coral);background:var(--coral-soft);padding:.4rem .9rem;border-radius:100px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;font-family:var(--disp);font-weight:600;
  font-size:1rem;padding:1rem 1.8rem;border-radius:100px;transition:transform .25s var(--ease),box-shadow .25s,background .25s;letter-spacing:-.01em}
.btn svg{width:19px;height:19px;transition:transform .25s var(--ease)}
.btn-primary{background:var(--coral);color:#fff;box-shadow:0 14px 30px -14px rgba(255,107,91,.85)}
.btn-primary:hover{transform:translateY(-2px);background:var(--coral-dark);box-shadow:0 20px 40px -16px rgba(255,107,91,.9)}
.btn-primary:hover svg{transform:translateX(4px)}
.btn-lg{padding:1.15rem 2.2rem;font-size:1.06rem}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{transform:translateY(-2px);background:#000}

/* Nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.82);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;padding:.85rem 0}
.brand{display:flex;align-items:center;gap:.6rem;font-family:var(--disp);font-weight:700;font-size:1.42rem;color:var(--ink);letter-spacing:-.03em}
.brand .mk{width:36px;height:36px;flex-shrink:0}
.brand .logo-full{display:block;width:auto}
.nav .brand .logo-full{height:40px}
.footer .brand .logo-full{height:34px}
.nav .btn{padding:.65rem 1.25rem;font-size:.92rem}
.nav-cta .lbl-sm{display:none}
.consent{font-size:.72rem;color:var(--ink-soft);line-height:1.5;margin-top:.7rem}
.consent a{color:var(--coral);text-decoration:underline}

/* Hero */
.hero{padding:3.5rem 0 4.5rem}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:3.5rem;align-items:center}
.hero h1{margin:1.1rem 0 1.2rem}
.hero .lead{margin-bottom:1.8rem}
.rating{display:inline-flex;align-items:center;gap:.6rem;font-weight:600;font-size:.9rem;color:var(--ink)}
.rating .av{display:flex}
.rating .av img{width:30px;height:30px;border-radius:50%;border:2px solid #fff;margin-left:-9px;object-fit:cover;box-shadow:var(--shadow-xs)}
.rating .av img:first-child{margin-left:0}
.rating .stars{color:#ffb23e;letter-spacing:.08em}
.hero-photo{position:relative;margin-top:2rem;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:16/11}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-badges{display:flex;gap:1.4rem;flex-wrap:wrap;margin-top:1.6rem}
.hero-badges .b{display:flex;align-items:center;gap:.5rem;font-weight:600;font-size:.9rem}
.hero-badges svg{width:19px;height:19px;color:var(--teal)}

/* Quiz card */
.quiz-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:1.9rem}
.qc-top{display:flex;align-items:center;gap:.75rem;margin-bottom:1.3rem}
.qc-top .dot{width:44px;height:44px;border-radius:13px;background:var(--coral-soft);display:grid;place-items:center;color:var(--coral)}
.qc-top .dot svg{width:22px;height:22px}
.qc-top b{font-family:var(--disp);font-weight:600;font-size:1.02rem;display:block}
.qc-top span{font-size:.84rem;color:var(--ink-soft)}

/* Wizard */
.wiz-head{margin-bottom:1.2rem}
.wiz-count{font-family:var(--disp);font-weight:600;font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;color:var(--coral);margin-bottom:.45rem}
.wiz-bar{height:7px;border-radius:8px;background:var(--beige-2);overflow:hidden}
.wiz-bar span{display:block;height:100%;width:16.6%;border-radius:8px;background:var(--coral);transition:width .45s var(--ease)}
.fstep{display:none}
.fstep.active{display:block;animation:stepIn .38s var(--ease)}
@keyframes stepIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.fq{font-family:var(--disp);font-weight:600;font-size:1.22rem;line-height:1.25;margin-bottom:.3rem;letter-spacing:-.02em}
.fhint{font-size:.9rem;color:var(--ink-soft);margin-bottom:1.1rem}
.opts{display:flex;flex-direction:column;gap:.55rem}
.opts.grid{display:grid;grid-template-columns:1fr 1fr;gap:.55rem}
.opt{display:flex;align-items:center;gap:.8rem;width:100%;text-align:left;padding:.85rem 1rem;border-radius:14px;
  border:1.5px solid var(--line);background:#fff;transition:.16s var(--ease);font-family:var(--sans)}
.opt:hover{border-color:var(--coral);background:var(--coral-soft)}
.opt.sel{border-color:var(--coral);background:var(--coral-soft)}
.opt .oic{width:38px;height:38px;border-radius:11px;background:var(--beige);color:var(--coral);display:grid;place-items:center;flex-shrink:0}
.opt .oic svg{width:20px;height:20px}
.opt b{font-family:var(--disp);font-weight:600;font-size:.96rem;display:block;line-height:1.15}
.opt small{font-size:.79rem;color:var(--ink-soft)}
.inp{margin-bottom:.8rem}
.inp label{display:block;font-family:var(--disp);font-weight:600;font-size:.8rem;margin-bottom:.35rem}
.inp input,.inp select{width:100%;padding:.85rem 1rem;border-radius:12px;border:1.5px solid var(--line);background:#fff;font-family:inherit;font-size:1rem;color:var(--ink);transition:.2s}
.inp input:focus,.inp select:focus{outline:none;border-color:var(--coral);box-shadow:0 0 0 4px var(--coral-soft)}
.inp.err input,.inp.err select{border-color:var(--coral)}
.inp .msg{display:none;font-size:.74rem;color:var(--coral-dark);margin-top:.3rem;font-weight:600}
.inp.err .msg{display:block}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
.wiz-nav{display:flex;align-items:center;gap:1rem;margin-top:1.3rem}
.wiz-back{display:inline-flex;align-items:center;gap:.35rem;color:var(--ink-soft);font-family:var(--disp);font-weight:600;font-size:.88rem}
.wiz-back:hover{color:var(--coral)}
.wiz-back svg{width:16px;height:16px}
.wiz-next{margin-left:auto;padding:.88rem 1.6rem}
.wiz-legal{font-size:.72rem;color:var(--ink-soft);text-align:center;margin-top:.9rem;line-height:1.5}
.form-ok{display:none;text-align:center;padding:1.6rem .5rem}
.form-ok.show{display:block;animation:stepIn .4s var(--ease)}
.form-ok .big{width:68px;height:68px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;margin:0 auto 1rem}
.form-ok .big svg{width:34px;height:34px}
.form-ok h3{margin-bottom:.4rem}
.form-ok p{color:var(--ink-soft)}

/* Trust strip */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--beige)}
.strip-in{display:flex;justify-content:center;gap:2.8rem;flex-wrap:wrap;padding:1.15rem 0;align-items:center}
.strip-in .s{display:flex;align-items:center;gap:.5rem;font-weight:600;font-size:.88rem;color:var(--ink-soft)}
.strip-in svg{width:19px;height:19px;color:var(--teal)}

/* Sections */
.sec{padding:5.5rem 0}
.sec.beige{background:var(--beige)}
.sec-head{text-align:center;max-width:56ch;margin:0 auto 3.2rem}
.sec-head h2{margin:.85rem 0 .8rem}
.sec-head .lead{margin-inline:auto}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:2rem 1.7rem;text-align:center;transition:transform .3s var(--ease),box-shadow .3s}
.step:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm)}
.step .n{width:54px;height:54px;border-radius:16px;margin:0 auto 1.1rem;display:grid;place-items:center;font-family:var(--disp);font-weight:700;font-size:1.4rem;background:var(--coral-soft);color:var(--coral)}
.step h3{margin-bottom:.5rem}
.step p{color:var(--ink-soft);font-size:.97rem}

/* Photo band (famille) */
.band{background:var(--beige)}
.band-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:3.2rem;align-items:center}
.band-photo{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:5/4}
.band-photo img{width:100%;height:100%;object-fit:cover}
.band h2{margin:.9rem 0 1rem}
.band ul{list-style:none;margin:1.3rem 0 1.8rem;display:flex;flex-direction:column;gap:.75rem}
.band li{display:flex;gap:.7rem;align-items:flex-start;color:var(--ink);font-size:1.02rem}
.band li svg{width:22px;height:22px;color:var(--teal);flex-shrink:0;margin-top:2px}

/* Why cards */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.9rem;transition:transform .3s var(--ease),box-shadow .3s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm)}
.card .ic{width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:1.1rem;background:var(--beige);color:var(--coral)}
.card .ic svg{width:26px;height:26px}
.card h3{margin-bottom:.5rem}
.card p{color:var(--ink-soft);font-size:.96rem}

/* Insurers */
.insurers{text-align:center}
.ins-row{display:flex;flex-wrap:wrap;justify-content:center;gap:.7rem;max-width:800px;margin:0 auto}
.ins-row .chip{background:#fff;border:1px solid var(--line);border-radius:100px;padding:.6rem 1.2rem;font-family:var(--disp);font-weight:600;font-size:.95rem;color:var(--ink);box-shadow:var(--shadow-xs)}

/* Testimonials */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem;box-shadow:var(--shadow-xs)}
.tcard .stars{color:#ffb23e;margin-bottom:.7rem;letter-spacing:.08em}
.tcard p{font-size:1rem;margin-bottom:1.2rem}
.tcard .who{display:flex;align-items:center;gap:.7rem}
.tcard .who img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.tcard .who b{font-family:var(--disp);font-weight:600;font-size:.92rem;display:block}
.tcard .who small{color:var(--ink-soft)}

/* FAQ */
.faq-list{max-width:760px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:.8rem;overflow:hidden}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.15rem 1.4rem;text-align:left;font-family:var(--disp);font-weight:600;font-size:1.03rem}
.faq-q .pm{width:27px;height:27px;border-radius:50%;background:var(--beige);flex-shrink:0;display:grid;place-items:center;color:var(--coral);transition:.3s}
.faq-item.open .pm{transform:rotate(45deg);background:var(--coral);color:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.faq-a p{padding:0 1.4rem 1.3rem;color:var(--ink-soft)}

/* CTA */
.cta{padding:5rem 0}
.cta-box{background:var(--ink);border-radius:32px;padding:3.6rem 2rem;text-align:center;color:#fff;box-shadow:var(--shadow);position:relative;overflow:hidden}
.cta-box .eyebrow{background:rgba(255,255,255,.12);color:#fff}
.cta-box h2{color:#fff;margin:1rem 0 .8rem}
.cta-box p{color:rgba(255,255,255,.72);max-width:46ch;margin:0 auto 1.8rem}
.cta-box .btn-primary{box-shadow:0 16px 34px -14px rgba(255,107,91,.9)}

/* Footer */
.footer{background:var(--ink);color:rgba(255,255,255,.66);padding:2.8rem 0 1.8rem}
.footer-top{display:flex;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;align-items:center;padding-bottom:1.6rem;border-bottom:1px solid rgba(255,255,255,.12)}
.footer .logo-white{height:34px;width:auto;display:block}
.footer small{display:block;color:rgba(255,255,255,.5);font-size:.8rem;line-height:1.6;margin-top:1.3rem}

/* Reveal */
[data-r]{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
[data-r].in{opacity:1;transform:none}
[data-d="1"]{transition-delay:.08s}[data-d="2"]{transition-delay:.16s}[data-d="3"]{transition-delay:.24s}

.cta-box .logo-white{height:36px;width:auto;margin:0 auto 1.3rem;display:block}

/* Barre CTA collante (mobile) */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;padding:.65rem 14px;
  background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-top:1px solid var(--line);
  box-shadow:0 -10px 26px -14px rgba(32,36,46,.28)}
.mcta .btn{width:100%}

/* Responsive */
@media(max-width:760px){.mcta{display:block}body{padding-bottom:76px}}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:2rem}
  .quiz-card{order:-1}
  .hero-photo{aspect-ratio:16/9}
  .steps,.why-grid,.testi-grid{grid-template-columns:1fr}
  .band-grid{grid-template-columns:1fr}
}
@media(max-width:560px){
  .sec{padding:3.6rem 0}
  .opts.grid{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr}
  .strip-in{gap:1.1rem}
  .wrap{padding:0 18px}
  .quiz-card{padding:1.4rem}
  .nav .btn{padding:.55rem 1rem;font-size:.85rem}
  .nav .brand .logo-full{height:32px}
  .hero{padding:2.4rem 0 3rem}
  .cta-box{padding:2.6rem 1.3rem}
  .cta-box .logo-white{height:32px}
  .nav-cta .lbl-lg{display:none}
  .nav-cta .lbl-sm{display:inline}
  .nav-in{padding:.75rem 0}
}