:root {
      --paper: #F4F1E9;
      --paper-2: #ECE7DB;
      --white: #FFFFFF;
      --ink: #11110F;
      --ink-2: #2C2B27;
      --muted: #67645B;
      --green: #2E6A4A;
      --green-2: #1F4C35;
      --green-soft: #DDE9E1;
      --gold: #D99A28;
      --gold-soft: #F5E7C9;
      --blue-soft: #DDE8F1;
      --line: rgba(17,17,15,.13);
      --line-light: rgba(255,255,255,.18);
      --shadow: 0 28px 80px rgba(29, 32, 26, .12);
      --radius-xl: 36px;
      --radius-lg: 26px;
      --radius-md: 18px;
      --radius-sm: 12px;
      --container: 1240px;
      --header-h: 76px;
    }

    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 20px); }
    body {
      margin: 0;
      background: var(--paper);
      color: var(--ink);
      font-family: "DM Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      font-size: 16px;
      line-height: 1.55;
      -webkit-font-smoothing: antialiased;
      overflow-x: hidden;
    }
    body.menu-open { overflow: hidden; }

    h1, h2, h3, h4, p { margin-top: 0; }
    h1, h2, h3, .display {
      font-family: "Manrope", system-ui, sans-serif;
      letter-spacing: -.045em;
      line-height: .98;
    }
    a { color: inherit; text-decoration: none; }
    button, input, textarea, select { font: inherit; }
    img { display: block; max-width: 100%; }
    svg { display: block; }

    .skip-link {
      position: fixed;
      top: 10px;
      left: 10px;
      z-index: 999;
      transform: translateY(-160%);
      background: var(--white);
      color: var(--ink);
      padding: 10px 16px;
      border-radius: 999px;
      box-shadow: var(--shadow);
    }
    .skip-link:focus { transform: translateY(0); }

    :focus-visible {
      outline: 3px solid var(--gold);
      outline-offset: 4px;
      border-radius: 6px;
    }

    .container {
      width: min(100% - 48px, var(--container));
      margin-inline: auto;
    }

    .section { padding: 80px 0 66px; }
    .section-sm { padding: 58px 0 52px; }
    main > .section + .section,
    main > .section + .section-sm,
    main > .section-sm + .section,
    main > .section-sm + .section-sm { padding-top: 46px; }
    .section-dark { background: var(--ink); color: var(--white); }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 9px;
      margin-bottom: 22px;
      font-size: 13px;
      font-weight: 700;
      letter-spacing: .06em;
      text-transform: uppercase;
      color: var(--green);
    }
    .eyebrow::before {
      content: "";
      width: 9px;
      height: 9px;
      border-radius: 50%;
      background: var(--gold);
    }
    .eyebrow.light { color: #F3DCA9; }

    .section-title {
      max-width: 840px;
      margin-bottom: 38px;
    }
    .section-title h2 {
      margin-bottom: 18px;
      font-size: clamp(38px, 5vw, 72px);
      font-weight: 700;
    }
    .section-title p {
      max-width: 640px;
      margin-bottom: 0;
      font-size: clamp(17px, 2vw, 21px);
      color: var(--muted);
    }
    .section-dark .section-title p { color: rgba(255,255,255,.68); }

    .btn {
      min-height: 52px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      padding: 13px 22px;
      border: 1px solid transparent;
      border-radius: 999px;
      font-weight: 700;
      line-height: 1;
      cursor: pointer;
      transition: transform .2s ease, background .2s ease, color .2s ease, border-color .2s ease, box-shadow .2s ease;
    }
    .btn:hover { transform: translateY(-2px); }
    .btn-dark { background: var(--ink); color: var(--white); }
    .btn-dark:hover { background: var(--green-2); box-shadow: 0 18px 34px rgba(31,76,53,.24); }
    .btn-gold { background: var(--gold); color: var(--ink); }
    .btn-gold:hover { background: #C98918; box-shadow: 0 18px 34px rgba(217,154,40,.25); }
    .btn-outline { border-color: var(--line); background: transparent; color: var(--ink); }
    .btn-outline:hover { border-color: var(--ink); background: var(--ink); color: var(--white); }
    .btn-light { background: var(--white); color: var(--ink); }
    .btn-light:hover { box-shadow: 0 18px 34px rgba(0,0,0,.22); }
    .btn-arrow::after { content: "↗"; font-size: 1.05em; }

    /* Header */
    .site-header {
      position: sticky;
      inset: 0 0 auto;
      z-index: 100;
      min-height: var(--header-h);
      display: flex;
      align-items: center;
      background: rgba(244,241,233,.88);
      backdrop-filter: blur(18px);
      border-bottom: 1px solid var(--line);
    }
    .nav-shell {
      width: min(100% - 48px, var(--container));
      margin-inline: auto;
      display: grid;
      grid-template-columns: auto 1fr auto;
      align-items: center;
      gap: 28px;
      min-height: var(--header-h);
    }
    .brand { display: inline-flex; align-items: center; min-width: 168px; }
    .brand img { height: 36px; width: auto; filter: brightness(0); }
    .desktop-nav {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: clamp(18px, 2.2vw, 34px);
    }
    .desktop-nav a {
      position: relative;
      font-size: 14px;
      font-weight: 600;
      color: var(--ink-2);
    }
    .desktop-nav a::after {
      content: "";
      position: absolute;
      left: 0;
      right: 100%;
      bottom: -7px;
      height: 2px;
      background: var(--gold);
      transition: right .2s ease;
    }
    .desktop-nav a:hover::after { right: 0; }
    .nav-actions { display: flex; align-items: center; gap: 12px; }
    .phone-link { font-size: 14px; font-weight: 700; white-space: nowrap; }
    .menu-toggle {
      display: none;
      width: 48px;
      height: 48px;
      align-items: center;
      justify-content: center;
      background: var(--ink);
      color: var(--white);
      border: 0;
      border-radius: 50%;
      cursor: pointer;
    }
    .menu-toggle svg { width: 22px; height: 22px; }

    .mobile-panel {
      position: fixed;
      inset: var(--header-h) 0 0;
      z-index: 90;
      display: none;
      background: var(--paper);
      padding: 28px 24px max(28px, env(safe-area-inset-bottom));
      overflow-y: auto;
    }
    .mobile-panel.open { display: block; }
    .mobile-panel nav { display: grid; gap: 4px; }
    .mobile-panel nav a {
      padding: 18px 0;
      border-bottom: 1px solid var(--line);
      font-family: "Manrope", sans-serif;
      font-size: clamp(25px, 7vw, 36px);
      font-weight: 700;
      letter-spacing: -.04em;
    }
    .mobile-contact {
      display: grid;
      gap: 12px;
      margin-top: 28px;
    }

    /* Hero */
    .hero { padding: 42px 0 66px; }
    .hero-stage {
      min-height: 690px;
      display: grid;
      grid-template-columns: minmax(0, 1.08fr) minmax(390px, .92fr);
      align-items: stretch;
      border-radius: var(--radius-xl);
      overflow: hidden;
      background: var(--white);
      border: 1px solid var(--line);
      box-shadow: var(--shadow);
    }
    .hero-copy {
      display: flex;
      flex-direction: column;
      justify-content: center;
      padding: clamp(48px, 6vw, 88px);
    }
    .hero h1 {
      max-width: 850px;
      margin-bottom: 28px;
      font-size: clamp(54px, 7vw, 104px);
      font-weight: 700;
    }
    .hero h1 em { color: var(--green); font-style: normal; }
    .hero-lede {
      max-width: 610px;
      margin-bottom: 34px;
      font-size: clamp(18px, 2vw, 23px);
      color: var(--muted);
    }
    .hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
    .hero-trust {
      display: flex;
      flex-wrap: wrap;
      gap: 12px 22px;
      margin-top: 34px;
      padding-top: 26px;
      border-top: 1px solid var(--line);
    }
    .trust-item { display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--ink-2); }
    .trust-item span {
      width: 22px;
      height: 22px;
      display: inline-grid;
      place-items: center;
      border-radius: 50%;
      background: var(--green-soft);
      color: var(--green-2);
      font-size: 12px;
    }

    .hero-visual {
      position: relative;
      min-height: 690px;
      display: flex;
      align-items: center;
      justify-content: center;
      padding: 48px;
      background:
        radial-gradient(circle at 80% 8%, rgba(255,255,255,.18) 0 9%, transparent 10%),
        radial-gradient(circle at 10% 94%, rgba(217,154,40,.36) 0 18%, transparent 19%),
        linear-gradient(145deg, #347456, #1F4C35 70%);
      overflow: hidden;
    }
    .hero-visual::before {
      content: "";
      position: absolute;
      inset: 0;
      background-image: linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
      background-size: 38px 38px;
      mask-image: linear-gradient(to bottom, rgba(0,0,0,.9), transparent);
    }
    .insurance-dashboard {
      position: relative;
      z-index: 2;
      width: min(100%, 430px);
      padding: 24px;
      border: 1px solid rgba(255,255,255,.28);
      border-radius: 30px;
      background: rgba(255,255,255,.92);
      box-shadow: 0 34px 90px rgba(7,32,20,.34);
      transform: rotate(1.5deg);
    }
    .dashboard-top { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 22px; }
    .dashboard-top small { display: block; margin-bottom: 4px; color: var(--muted); font-weight: 600; }
    .dashboard-top strong { font-family: "Manrope", sans-serif; font-size: 23px; letter-spacing: -.035em; }
    .status-pill { padding: 8px 12px; border-radius: 999px; background: var(--green-soft); color: var(--green-2); font-size: 12px; font-weight: 800; white-space: nowrap; }
    .policy-list { display: grid; gap: 10px; }
    .policy-row {
      display: grid;
      grid-template-columns: 48px 1fr auto;
      align-items: center;
      gap: 14px;
      padding: 15px;
      border: 1px solid var(--line);
      border-radius: 17px;
      background: var(--white);
    }
    .policy-icon {
      width: 48px;
      height: 48px;
      display: grid;
      place-items: center;
      border-radius: 14px;
      background: var(--green-soft);
      color: var(--green-2);
    }
    .policy-row:nth-child(2) .policy-icon { background: var(--gold-soft); color: #8A5A08; }
    .policy-row:nth-child(3) .policy-icon { background: var(--blue-soft); color: #315F82; }
    .policy-icon svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.8; }
    .policy-copy strong { display: block; font-size: 15px; }
    .policy-copy small { color: var(--muted); }
    .policy-arrow { font-size: 20px; color: var(--muted); }
    .dashboard-note {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-top: 14px;
      padding: 14px 16px;
      border-radius: 15px;
      background: var(--ink);
      color: var(--white);
      font-size: 13px;
      font-weight: 600;
    }
    .dashboard-note span { color: #F1C970; }
    .orbit-tag {
      position: absolute;
      z-index: 3;
      padding: 11px 15px;
      border-radius: 999px;
      background: var(--gold);
      color: var(--ink);
      font-weight: 800;
      font-size: 13px;
      box-shadow: 0 18px 36px rgba(0,0,0,.18);
    }
    .orbit-tag.one { top: 13%; right: 5%; transform: rotate(5deg); }
    .orbit-tag.two { bottom: 15%; left: 4%; background: var(--white); transform: rotate(-4deg); }

    /* Marquee */
    .promise-strip {
      border-block: 1px solid var(--line);
      overflow: hidden;
      background: var(--gold);
    }
    .promise-track {
      display: flex;
      gap: 30px;
      min-width: max-content;
      padding: 18px 0;
      animation: ticker 30s linear infinite;
      font-family: "Manrope", sans-serif;
      font-size: 16px;
      font-weight: 800;
    }
    .promise-track span { display: inline-flex; align-items: center; gap: 30px; }
    .promise-track span::after { content: "✦"; }
    @keyframes ticker { to { transform: translateX(-50%); } }

    /* Product cards */
    .product-grid { display: grid; grid-template-columns: repeat(12, 1fr); gap: 20px; }
    .product-card {
      position: relative;
      min-height: 320px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      padding: 30px;
      border-radius: var(--radius-lg);
      border: 1px solid var(--line);
      overflow: hidden;
      transition: transform .25s ease, box-shadow .25s ease;
    }
    .product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
    .product-card:nth-child(1) { grid-column: span 7; background: var(--green-soft); }
    .product-card:nth-child(2) { grid-column: span 5; background: var(--gold-soft); }
    .product-card:nth-child(3) { grid-column: span 5; background: var(--blue-soft); }
    .product-card:nth-child(4) { grid-column: span 7; background: var(--ink); color: var(--white); }
    .product-card h3 { max-width: 460px; margin-bottom: 12px; font-size: clamp(34px, 4vw, 58px); font-weight: 700; }
    .product-card p { max-width: 470px; margin-bottom: 0; font-size: 17px; color: var(--muted); }
    .product-card:nth-child(4) p { color: rgba(255,255,255,.68); }
    .product-meta { display: flex; align-items: center; justify-content: space-between; gap: 18px; margin-top: 26px; }
    .round-arrow {
      width: 52px;
      height: 52px;
      flex: 0 0 auto;
      display: grid;
      place-items: center;
      border-radius: 50%;
      background: var(--white);
      color: var(--ink);
      font-size: 22px;
      transition: transform .2s ease;
    }
    .product-card:hover .round-arrow { transform: rotate(45deg); }
    .product-number { font-size: 13px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; opacity: .72; }
    .product-shape { position: absolute; border-radius: 50%; filter: blur(.2px); pointer-events: none; }
    .shape-a { width: 190px; height: 190px; right: -50px; top: -55px; background: rgba(255,255,255,.38); }
    .shape-b { width: 130px; height: 130px; right: 25px; bottom: 25px; border: 28px solid rgba(217,154,40,.34); }

    /* Why us */
    .why-wrap {
      display: grid;
      grid-template-columns: .95fr 1.05fr;
      gap: 68px;
      align-items: start;
    }
    .why-sticky { position: sticky; top: 112px; }
    .why-sticky h2 { margin-bottom: 20px; font-size: clamp(44px, 5vw, 78px); }
    .why-sticky p { max-width: 500px; color: rgba(255,255,255,.68); font-size: 19px; }
    .why-list { display: grid; }
    .why-item {
      display: grid;
      grid-template-columns: 54px 1fr;
      gap: 22px;
      padding: 34px 0;
      border-bottom: 1px solid var(--line-light);
    }
    .why-item:first-child { padding-top: 0; }
    .why-num {
      width: 54px;
      height: 54px;
      display: grid;
      place-items: center;
      border-radius: 50%;
      border: 1px solid var(--line-light);
      color: #F1C970;
      font-weight: 800;
    }
    .why-item h3 { margin-bottom: 10px; font-size: clamp(25px, 3vw, 38px); }
    .why-item p { margin-bottom: 0; color: rgba(255,255,255,.64); }

    /* Process */
    .process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
    .process-card {
      min-height: 0;
      display: flex;
      flex-direction: column;
      gap: 16px;
      padding: 28px;
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      background: var(--white);
    }
    .process-head {
      display: flex;
      align-items: center;
      gap: 14px;
    }
    .process-num {
      width: 48px;
      height: 48px;
      flex: 0 0 48px;
      display: grid;
      place-items: center;
      border-radius: 50%;
      background: var(--ink);
      color: var(--white);
      font-family: "Manrope", sans-serif;
      font-size: 13px;
      font-weight: 800;
    }
    .process-card h3 { margin: 0; font-size: 30px; }
    .process-card p { margin-bottom: 0; color: var(--muted); }

    /* Social proof */
    .proof-shell {
      padding: clamp(26px, 4vw, 42px);
      border-radius: var(--radius-xl);
      border: 1px solid var(--line);
      background: var(--white);
    }
    .proof-intro { margin-bottom: 28px; }
    .proof-intro h2 { margin-bottom: 18px; font-size: clamp(42px, 5vw, 72px); }
    .proof-intro p { max-width: 760px; color: var(--muted); font-size: 18px; }
    .proof-sources { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
    .proof-source {
      display: flex;
      flex-direction: column;
      gap: 18px;
      padding: 28px;
      border: 1px solid var(--line);
      border-radius: 26px;
      background: var(--paper);
      min-height: 0;
    }
    .proof-source-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
    .proof-source-head h3 { margin: 0; font-size: clamp(28px, 3vw, 38px); }
    .proof-source-head .proof-badge { margin: 0; }
    .proof-source p { margin: 0; color: var(--muted); }
    .proof-widget {
      padding: 18px;
      border: 1px dashed rgba(17,17,15,.18);
      border-radius: 18px;
      background: var(--white);
    }
    .proof-widget strong { display: block; margin-bottom: 10px; font-size: 15px; }
    .proof-widget ul { margin: 0; padding-left: 18px; color: var(--muted); }
    .proof-widget li + li { margin-top: 8px; }
    .proof-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: auto; }
    .proof-note { margin-top: 20px; font-size: 13px; color: var(--muted); }

    /* Help / claims */
    .help-shell {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 18px;
    }
    .help-card {
      min-height: 280px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      gap: 24px;
      padding: 32px;
      border-radius: var(--radius-lg);
      background: var(--green-2);
      color: var(--white);
    }
    .help-card.alt { background: var(--white); color: var(--ink); border: 1px solid var(--line); }
    .help-card h3 { margin-bottom: 14px; font-size: clamp(36px, 4vw, 56px); }
    .help-card p { max-width: 480px; color: rgba(255,255,255,.68); font-size: 17px; }
    .help-card.alt p { color: var(--muted); }
    .help-details { display: grid; gap: 8px; font-size: 14px; font-weight: 700; }

    /* Articles */
    .article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
    .article-card {
      display: flex;
      flex-direction: column;
      min-width: 0;
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      overflow: hidden;
      background: var(--white);
      transition: transform .25s ease, box-shadow .25s ease;
    }
    .article-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
    .article-image { aspect-ratio: 16 / 10; overflow: hidden; background: var(--paper-2); }
    .article-image img { width: 100%; height: 100%; object-fit: cover; transition: transform .35s ease; }
    .article-card:hover img { transform: scale(1.035); }
    .article-body { display: flex; flex-direction: column; flex: 1; padding: 23px; }
    .article-tag { margin-bottom: 16px; color: var(--green); font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
    .article-card h3 { margin-bottom: 22px; font-size: 25px; line-height: 1.12; }
    .article-link { margin-top: auto; font-weight: 800; }

    /* Final CTA */
    .final-cta { padding: 26px 0 32px; }
    .cta-shell {
      position: relative;
      min-height: 390px;
      display: grid;
      place-items: center;
      padding: 54px 36px;
      border-radius: var(--radius-xl);
      overflow: hidden;
      background: var(--ink);
      color: var(--white);
      text-align: center;
    }
    .cta-shell::before, .cta-shell::after {
      content: "";
      position: absolute;
      border-radius: 50%;
      pointer-events: none;
    }
    .cta-shell::before { width: 260px; height: 260px; top: -110px; left: -60px; background: var(--green); }
    .cta-shell::after { width: 210px; height: 210px; right: -50px; bottom: -90px; background: var(--gold); }
    .cta-copy { position: relative; z-index: 1; max-width: 900px; }
    .cta-copy h2 { margin-bottom: 22px; font-size: clamp(45px, 6.4vw, 88px); }
    .cta-copy p { max-width: 610px; margin: 0 auto 24px; color: rgba(255,255,255,.68); font-size: 19px; }
    .cta-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }

    /* Footer */
    .site-footer { padding: 54px 0 100px; }
    .footer-grid { display: grid; grid-template-columns: 1.4fr .8fr .8fr 1fr; gap: 42px; padding-bottom: 44px; border-bottom: 1px solid var(--line); }
    .footer-brand img { height: 38px; width: auto; margin-bottom: 20px; filter: brightness(0); }
    .footer-brand p { max-width: 380px; color: var(--muted); }
    .footer-col h4 { margin-bottom: 18px; font-family: "Manrope", sans-serif; font-size: 13px; letter-spacing: .06em; text-transform: uppercase; }
    .footer-col a, .footer-col address { display: block; margin-bottom: 11px; color: var(--muted); font-size: 14px; font-style: normal; }
    .footer-col a:hover { color: var(--ink); }
    .footer-bottom { display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; padding-top: 26px; color: var(--muted); font-size: 13px; }
    .footer-socials {
      display: flex;
      align-items: center;
      gap: 10px;
      flex-wrap: wrap;
      margin-top: 22px;
    }
    .social-link {
      width: 42px;
      height: 42px;
      display: grid;
      place-items: center;
      border-radius: 50%;
      border: 1px solid var(--line);
      background: var(--white);
      color: var(--ink);
      transition: transform .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
    }
    .social-link:hover {
      transform: translateY(-2px);
      background: var(--ink);
      color: var(--white);
      border-color: var(--ink);
    }
    .social-link svg {
      width: 18px;
      height: 18px;
      fill: currentColor;
    }
    .language-switch { display: flex; gap: 6px; }
    .language-switch a { padding: 6px 10px; border-radius: 999px; font-weight: 700; }
    .language-switch a.active { background: var(--ink); color: var(--white); }

    /* Section rhythm refinements */
    #assurances { padding-top: 72px; }
    #pourquoi { padding-block: 82px; }
    #processus { padding-bottom: 54px; }
    #avis { padding-top: 44px; padding-bottom: 48px; }
    #personnes { padding-top: 50px; padding-bottom: 54px; }
    #conseils { padding-top: 48px; padding-bottom: 28px; }
    #conseils .section-title { margin-bottom: 30px; }

    /* Floating mobile CTA */
    .mobile-cta { display: none; }

    /* Motion */
    .reveal { opacity: 1; transform: none; }
    .js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
    .js .reveal.visible { opacity: 1; transform: translateY(0); }

    /* Responsive */
    @media (max-width: 1080px) {
      .desktop-nav, .phone-link { display: none; }
      .nav-shell { grid-template-columns: auto 1fr auto; }
      .nav-actions .btn { display: none; }
      .menu-toggle { display: inline-flex; }
      .hero-stage { grid-template-columns: 1fr 420px; }
      .hero-copy { padding: 54px; }
      .hero h1 { font-size: clamp(52px, 7.2vw, 78px); }
      .why-wrap { gap: 44px; }
      .footer-grid { grid-template-columns: 1.3fr 1fr 1fr; }
      .footer-grid .footer-col:last-child { grid-column: 2 / 4; }
    }

    @media (max-width: 860px) {
      :root { --header-h: 68px; }
      .container, .nav-shell { width: min(100% - 32px, var(--container)); }
      .section { padding: 62px 0 52px; }
      .section-sm { padding: 48px 0 44px; }
      main > .section + .section,
      main > .section + .section-sm,
      main > .section-sm + .section,
      main > .section-sm + .section-sm { padding-top: 38px; }
      .hero { padding: 24px 0 50px; }
      .hero-stage { min-height: 0; grid-template-columns: 1fr; }
      .hero-copy { padding: 52px 34px 42px; }
      .hero-visual { min-height: 520px; padding: 36px; }
      .product-card:nth-child(n) { grid-column: span 12; min-height: 340px; }
      .why-wrap { grid-template-columns: 1fr; }
      .why-sticky { position: static; }
      .process-grid { grid-template-columns: 1fr; }
      .process-card { min-height: 0; }
      .proof-sources, .help-shell { grid-template-columns: 1fr; }
      .article-grid { grid-template-columns: 1fr; }
      .article-card { display: grid; grid-template-columns: minmax(220px, .9fr) 1.1fr; }
      .article-image { aspect-ratio: auto; min-height: 260px; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .footer-brand { grid-column: 1 / -1; }
      .footer-grid .footer-col:last-child { grid-column: auto; }
    }

    @media (max-width: 620px) {
      body { padding-bottom: calc(78px + env(safe-area-inset-bottom)); }
      .container, .nav-shell { width: min(100% - 24px, var(--container)); }
      .brand { min-width: 0; }
      .brand img { height: 31px; }
      .menu-toggle { width: 44px; height: 44px; }
      .hero-stage, .proof-shell, .cta-shell { border-radius: 25px; }
      .hero-copy { padding: 40px 22px 34px; }
      .hero h1 { font-size: clamp(43px, 14.5vw, 66px); letter-spacing: -.055em; }
      .hero-lede { font-size: 17px; }
      .hero-actions { display: grid; }
      .hero-actions .btn { width: 100%; }
      .hero-trust { display: grid; gap: 12px; }
      .hero-visual { min-height: 430px; padding: 22px 16px; }
      .insurance-dashboard { width: 94%; padding: 17px; border-radius: 23px; transform: rotate(0); }
      .dashboard-top strong { font-size: 19px; }
      .policy-row { grid-template-columns: 42px 1fr auto; padding: 12px; gap: 10px; }
      .policy-icon { width: 42px; height: 42px; }
      .orbit-tag { display: none; }
      .section-title { margin-bottom: 34px; }
      .section-title h2 { font-size: clamp(38px, 12vw, 55px); }
      .section-title p { font-size: 17px; }
      .product-card { min-height: 0 !important; padding: 24px; border-radius: 22px; }
      .product-card h3 { font-size: 39px; }
      .why-item { grid-template-columns: 44px 1fr; gap: 14px; padding: 26px 0; }
      .why-num { width: 44px; height: 44px; }
      .process-card, .help-card { padding: 24px; border-radius: 22px; }
      .process-head { align-items: flex-start; }
      .process-card h3 { font-size: 24px; }
      .proof-shell { padding: 22px; }
      .proof-source { padding: 22px; border-radius: 22px; }
      .proof-source-head { align-items: flex-start; flex-direction: column; }
      .article-card { display: flex; }
      .article-image { min-height: 0; aspect-ratio: 16 / 10; }
      .cta-shell { min-height: 390px; padding: 48px 22px; }
      .footer-grid { grid-template-columns: 1fr; }
      .footer-brand, .footer-grid .footer-col:last-child { grid-column: auto; }
      .footer-bottom { align-items: flex-start; flex-direction: column; }
      .mobile-cta {
        position: fixed;
        z-index: 110;
        left: 0;
        right: 0;
        bottom: 0;
        display: grid;
        grid-template-columns: 1fr auto;
        gap: 10px;
        padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
        background: rgba(244,241,233,.94);
        backdrop-filter: blur(18px);
        border-top: 1px solid var(--line);
      }
      .mobile-cta .btn { min-height: 50px; padding-inline: 16px; }
      .mobile-call {
        width: 50px;
        height: 50px;
        display: grid;
        place-items: center;
        border-radius: 50%;
        background: var(--white);
        border: 1px solid var(--line);
      }
      .mobile-call svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2; }
    }

    @media (max-width: 390px) {
      .hero-copy { padding-inline: 18px; }
      .hero h1 { font-size: 42px; }
      .policy-copy small { font-size: 11px; }
      .dashboard-note { font-size: 12px; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
      .reveal { opacity: 1; transform: none; }
    }

/* V4 — compact mobile rhythm, dependable wordmark and premium review modules */
    .brand-wordmark {
      display: inline-flex;
      align-items: baseline;
      font-family: "Manrope", system-ui, sans-serif;
      font-size: 25px;
      font-weight: 800;
      letter-spacing: -.065em;
      line-height: 1;
      white-space: nowrap;
    }
    .brand-wordmark > span { color: var(--gold); }
    .footer-wordmark { display: inline-flex; margin-bottom: 20px; }

    .mobile-panel {
      display: block;
      padding: 12px;
      background: rgba(17,17,15,.28);
      opacity: 0;
      visibility: hidden;
      pointer-events: none;
      transition: opacity .2s ease, visibility .2s ease;
    }
    .mobile-panel.open { opacity: 1; visibility: visible; pointer-events: auto; }
    .mobile-panel-inner {
      width: min(100%, 620px);
      min-height: calc(100% - 12px);
      margin-left: auto;
      padding: 24px;
      border: 1px solid var(--line);
      border-radius: 28px;
      background: var(--paper);
      box-shadow: 0 28px 80px rgba(0,0,0,.22);
      transform: translateY(-12px);
      transition: transform .24s ease;
    }
    .mobile-panel.open .mobile-panel-inner { transform: translateY(0); }
    .mobile-menu-top { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
    .mobile-menu-kicker { color: var(--muted); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; }
    .mobile-panel nav { margin-top: 8px; }
    .mobile-panel nav a { display: flex; justify-content: space-between; align-items: center; gap: 18px; padding: 15px 0; font-size: clamp(23px, 6vw, 34px); }
    .mobile-panel nav a span:last-child { color: var(--green); font-size: .7em; }
    .mobile-menu-footer { display: flex; justify-content: space-between; align-items: center; gap: 18px; flex-wrap: wrap; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line); }
    .mobile-menu-socials, .mobile-menu-languages { display: flex; gap: 8px; }
    .mobile-menu-socials a { width: 38px; height: 38px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 50%; background: var(--white); font-weight: 800; font-size: 13px; }
    .mobile-menu-languages a { padding: 7px 9px; border-radius: 999px; color: var(--muted); font-size: 12px; font-weight: 800; }
    .mobile-menu-languages a.active { background: var(--ink); color: var(--white); }

    .product-card { gap: 22px; }
    .product-card > div:first-of-type { position: relative; z-index: 1; }
    .product-meta { position: relative; z-index: 2; }

    .reviews-section { background: var(--paper-2); border-block: 1px solid var(--line); }
    .reviews-heading { display: grid; grid-template-columns: 1.05fr .95fr; gap: 44px; align-items: end; margin-bottom: 32px; }
    .reviews-heading h2 { max-width: 780px; margin: 0; font-size: clamp(42px, 5.6vw, 76px); }
    .reviews-heading p { margin: 0; color: var(--muted); font-size: 18px; }
    .review-platform-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
    .review-platform { display: flex; flex-direction: column; gap: 22px; padding: 30px; border: 1px solid var(--line); border-radius: 28px; background: var(--white); }
    .review-platform-head, .provider-title { display: flex; align-items: center; gap: 13px; }
    .review-platform-head { justify-content: space-between; }
    .provider-logo { width: 46px; height: 46px; flex: 0 0 46px; display: grid; place-items: center; border-radius: 14px; font-family: "Manrope", sans-serif; font-size: 21px; font-weight: 800; }
    .google-logo { color: #3569D4; background: #EEF3FF; }
    .rave-logo { color: var(--white); background: var(--green-2); }
    .provider-title strong, .provider-title small { display: block; }
    .provider-title strong { font-family: "Manrope", sans-serif; font-size: 19px; letter-spacing: -.025em; }
    .provider-title small { color: var(--muted); }
    .verified-pill { padding: 7px 10px; border-radius: 999px; background: var(--green-soft); color: var(--green-2); font-size: 12px; font-weight: 800; white-space: nowrap; }
    .review-live-summary { display: grid; grid-template-columns: auto auto 1fr; gap: 22px; align-items: end; padding: 18px 0; border-block: 1px solid var(--line); }
    .review-live-summary div:not(.review-stars) strong, .review-live-summary div:not(.review-stars) span { display: block; }
    .review-live-summary div:not(.review-stars) strong { font-family: "Manrope", sans-serif; font-size: 27px; }
    .review-live-summary div:not(.review-stars) span { color: var(--muted); font-size: 12px; }
    .review-stars { justify-self: end; color: var(--gold); letter-spacing: 2px; }
    .review-feed-slot { display: flex; align-items: center; gap: 15px; min-height: 118px; padding: 20px; border: 1px dashed rgba(17,17,15,.22); border-radius: 18px; background: var(--paper); }
    .review-slot-icon { width: 42px; height: 42px; flex: 0 0 42px; display: grid; place-items: center; border-radius: 50%; background: var(--white); font-size: 20px; }
    .review-feed-slot strong { display: block; margin-bottom: 4px; }
    .review-feed-slot p { margin: 0; color: var(--muted); font-size: 14px; }
    .review-platform .btn { align-self: flex-start; margin-top: auto; }
    .review-disabled { cursor: default; opacity: .65; }
    .review-disabled:hover { transform: none; background: transparent; color: var(--ink); border-color: var(--line); }
    .reviews-tech-note { margin: 20px 0 0; color: var(--muted); font-size: 13px; }

    .app-links { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 18px; }
    .app-links a { min-width: 126px; padding: 9px 13px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); }
    .app-links span, .app-links strong { display: block; }
    .app-links span { color: var(--muted); font-size: 10px; }
    .app-links strong { font-size: 13px; }
    .footer-legal { display: flex; gap: 16px; flex-wrap: wrap; }
    .footer-legal a { color: var(--muted); }

    .mobile-cta { transition: transform .25s ease, opacity .25s ease; }
    .mobile-cta.is-hidden { transform: translateY(120%); opacity: 0; pointer-events: none; }

    @media (max-width: 860px) {
      /* Mobile content must never depend on animation/observer support. */
      .js .reveal { opacity: 1; transform: none; }
      .product-card:nth-child(n) { min-height: 0; }
      .reviews-heading { grid-template-columns: 1fr; gap: 16px; }
      .review-platform-grid { grid-template-columns: 1fr; }
    }

    @media (max-width: 620px) {
      body { padding-bottom: calc(66px + env(safe-area-inset-bottom)); }
      .section { padding: 48px 0 40px; }
      .section-sm { padding: 40px 0 36px; }
      main > .section + .section,
      main > .section + .section-sm,
      main > .section-sm + .section,
      main > .section-sm + .section-sm { padding-top: 30px; }
      .hero { padding-bottom: 42px; }
      .section-title { margin-bottom: 28px; }
      #assurances { padding-top: 48px; }
      #pourquoi { padding-block: 56px; }
      #processus { padding-bottom: 36px; }
      #avis { padding-top: 30px; padding-bottom: 36px; }
      #personnes { padding-top: 36px; padding-bottom: 38px; }
      #conseils { padding-top: 34px; padding-bottom: 18px; }
      #conseils .section-title { margin-bottom: 24px; }
      .final-cta { padding: 18px 0 24px; }
      .cta-shell { min-height: 340px; }

      .product-grid { gap: 14px; }
      .product-card { gap: 17px; padding: 21px; }
      .product-card h3 { margin-bottom: 8px; font-size: clamp(32px, 10.5vw, 39px); line-height: 1.02; }
      .product-card p { font-size: 16px; line-height: 1.45; }
      .product-meta { margin-top: 10px; }
      .product-meta strong { max-width: calc(100% - 58px); font-size: 15px; line-height: 1.25; }
      .round-arrow { width: 46px; height: 46px; font-size: 20px; }
      .shape-a { width: 145px; height: 145px; }
      .shape-b { width: 105px; height: 105px; right: 10px; bottom: 8px; border-width: 22px; }
      .process-grid { gap: 13px; }
      .process-card { gap: 13px; padding: 20px; }
      .process-head { align-items: center; }
      .process-num { width: 43px; height: 43px; flex-basis: 43px; }
      .process-card h3 { font-size: 23px; line-height: 1.08; }
      .process-card p { font-size: 15.5px; line-height: 1.45; }
      .help-shell { gap: 14px; }
      .help-card { min-height: 0; gap: 18px; padding: 23px; }
      .help-card h3 { font-size: 36px; }
      .reviews-heading { margin-bottom: 24px; }
      .reviews-heading h2 { font-size: 42px; }
      .reviews-heading p { font-size: 16px; }
      .review-platform { gap: 17px; padding: 21px; border-radius: 22px; }
      .review-platform-head { align-items: flex-start; }
      .verified-pill { font-size: 11px; }
      .review-live-summary { grid-template-columns: 1fr 1fr; gap: 12px; padding: 14px 0; }
      .review-stars { grid-column: 1 / -1; justify-self: start; }
      .review-feed-slot { min-height: 0; padding: 16px; }
      .reviews-tech-note { font-size: 12px; }
      .site-footer { padding: 44px 0 88px; }
      .footer-grid { gap: 28px; padding-bottom: 32px; }
      .mobile-cta {
        left: 10px;
        right: 10px;
        bottom: max(8px, env(safe-area-inset-bottom));
        grid-template-columns: 1fr 44px;
        gap: 7px;
        padding: 6px;
        border: 1px solid var(--line);
        border-radius: 999px;
        background: rgba(244,241,233,.92);
        box-shadow: 0 16px 42px rgba(17,17,15,.14);
      }
      .mobile-cta .btn { min-height: 42px; padding: 9px 13px; font-size: 14px; }
      .mobile-call { width: 42px; height: 42px; }
      .mobile-panel-inner { padding: 20px; border-radius: 24px; }
      .mobile-menu-kicker { display: none; }
    }

/* V6 — section handoff inspired by WhatsApp: progressive reveal, stagger and subtle depth */
    .motion-section { position: relative; }

    /* Content is visible by default. It is hidden only after JS confirms motion support. */
    .js .reveal { opacity: 1; transform: none; filter: none; }
    html.motion-enabled .reveal {
      --motion-x: 0px;
      --motion-y: 44px;
      --motion-scale: .985;
      opacity: 0;
      transform: translate3d(var(--motion-x), var(--motion-y), 0) scale(var(--motion-scale));
      filter: blur(2.5px);
      transition:
        opacity .82s cubic-bezier(.22,.8,.22,1),
        transform .9s cubic-bezier(.22,.8,.22,1),
        filter .72s ease,
        clip-path .92s cubic-bezier(.22,.8,.22,1);
      transition-delay: var(--motion-delay, 0ms);
      will-change: opacity, transform, filter;
    }
    html.motion-enabled .reveal.motion-card {
      clip-path: inset(7% 0 0 0 round 24px);
    }
    html.motion-enabled .reveal.motion-from-left {
      --motion-x: -34px;
      --motion-y: 24px;
    }
    html.motion-enabled .reveal.motion-from-right {
      --motion-x: 34px;
      --motion-y: 24px;
    }
    html.motion-enabled .reveal.motion-title {
      --motion-y: 52px;
      --motion-scale: .995;
    }
    html.motion-enabled .reveal.visible {
      opacity: 1;
      transform: translate3d(0,0,0) scale(1);
      filter: blur(0);
      clip-path: inset(0 0 0 0 round 24px);
    }

    /* Hero opens in layers, like a composed scene instead of a single fade. */
    html.motion-enabled .hero-copy > .reveal {
      --motion-y: 34px;
      --motion-scale: 1;
    }
    html.motion-enabled .insurance-dashboard.reveal {
      --motion-y: 58px;
      --motion-scale: .955;
      clip-path: inset(8% 0 0 0 round 30px);
    }
    html.motion-enabled .orbit-tag.reveal {
      --motion-y: 22px;
      --motion-scale: .92;
      filter: blur(1px);
    }

    /* A very subtle continuous drift gives depth without making the page feel animated all the time. */
    .motion-parallax {
      translate: 0 var(--parallax-y, 0px);
      transition: translate .12s linear;
    }

    /* The gold promise strip enters as a visual handoff between the hero and the next section. */
    html.motion-enabled .promise-strip.reveal {
      --motion-y: 18px;
      --motion-scale: .995;
      clip-path: inset(0 7% 0 7% round 999px);
    }
    html.motion-enabled .promise-strip.reveal.visible {
      clip-path: inset(0 0 0 0 round 0);
    }

    @media (max-width: 860px) {
      html.motion-enabled .reveal {
        --motion-y: 30px;
        --motion-scale: .992;
        filter: blur(1.5px);
        transition-duration: .68s, .76s, .55s, .76s;
      }
      html.motion-enabled .reveal.motion-from-left,
      html.motion-enabled .reveal.motion-from-right {
        --motion-x: 0px;
        --motion-y: 34px;
      }
      html.motion-enabled .reveal.motion-card {
        clip-path: inset(5% 0 0 0 round 22px);
      }
    }

    @media (max-width: 620px) {
      html.motion-enabled .reveal {
        --motion-y: 24px;
        filter: none;
        transition-duration: .58s, .66s, .45s, .66s;
      }
      html.motion-enabled .reveal.motion-title { --motion-y: 30px; }
      .motion-parallax { translate: none; }
    }

    @media (prefers-reduced-motion: reduce) {
      html.motion-enabled .reveal,
      html.motion-enabled .reveal.visible,
      .motion-parallax {
        opacity: 1 !important;
        transform: none !important;
        filter: none !important;
        clip-path: none !important;
        translate: none !important;
        transition: none !important;
      }
    }

/* V7 — better line control in the hero and a balanced two-column intro for person insurance. */
    .hero-title {
      max-width: 8.7ch;
      line-height: .94;
      text-wrap: balance;
    }
    .hero-title .hero-line { display: block; }
    .hero-title .hero-accent { display: block; color: var(--green); font-style: normal; }

    .section-title-split {
      max-width: none;
      display: grid;
      grid-template-columns: minmax(0, 1.1fr) minmax(280px, .9fr);
      gap: 34px 48px;
      align-items: end;
    }
    .section-title-split .section-title-main,
    .section-title-split .section-title-side { min-width: 0; }
    .section-title-split h2 {
      max-width: 10.2ch;
      margin-bottom: 0;
      text-wrap: balance;
    }
    .section-title-split p {
      max-width: 34ch;
      margin: 0;
      font-size: clamp(17px, 1.8vw, 20px);
    }

    @media (max-width: 1080px) {
      .hero-title { max-width: 9.2ch; }
      .section-title-split { grid-template-columns: 1fr; gap: 16px; align-items: start; }
      .section-title-split h2,
      .section-title-split p { max-width: none; }
    }

    @media (max-width: 860px) {
      .hero-title { max-width: 9.4ch; }
    }

    @media (max-width: 620px) {
      .hero-title {
        max-width: none;
        font-size: clamp(40px, 13.3vw, 62px) !important;
        line-height: .95;
      }
      .section-title-split { gap: 12px; }
      .section-title-split p { font-size: 16px; line-height: 1.5; }
    }

    @media (max-width: 390px) {
      .hero-title { font-size: 39px !important; }
    }

/* V8 — unified, left-aligned section introductions for all languages. */
    .reviews-heading,
    .section-title-split {
      display: block;
      max-width: 920px;
      margin-right: auto;
      margin-left: 0;
    }

    .reviews-heading > div,
    .section-title-split .section-title-main,
    .section-title-split .section-title-side {
      width: 100%;
      max-width: none;
    }

    .reviews-heading h2,
    .section-title-split h2 {
      max-width: 12ch;
      margin-bottom: 18px;
      text-wrap: balance;
    }

    .reviews-heading p,
    .section-title-split p {
      max-width: 58ch;
      margin: 0;
      font-size: clamp(17px, 1.6vw, 20px);
      line-height: 1.55;
      text-align: left;
    }

    @media (max-width: 860px) {
      .reviews-heading,
      .section-title-split {
        max-width: 100%;
      }

      .reviews-heading h2,
      .section-title-split h2 {
        max-width: 13ch;
      }
    }

    @media (max-width: 620px) {
      .reviews-heading h2,
      .section-title-split h2 {
        max-width: none;
        margin-bottom: 14px;
      }

      .reviews-heading p,
      .section-title-split p {
        max-width: none;
        font-size: 16px;
      }
    }

.section-intro-link {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      margin-top: 12px;
      font-weight: 800;
      color: var(--green-2);
      letter-spacing: -.01em;
      transition: transform .2s ease, color .2s ease;
    }
    .section-intro-link::after {
      content: "↗";
      font-size: 1em;
      transition: transform .2s ease;
    }
    .section-intro-link:hover {
      transform: translateX(2px);
      color: var(--ink);
    }
    .section-intro-link:hover::after {
      transform: translate(2px,-1px);
    }
    @media (max-width: 620px) {
      .section-intro-link {
        margin-top: 8px;
        font-size: 15px;
      }
    }

.product-watermark {
      position: absolute;
      z-index: 0;
      pointer-events: none;
      color: rgba(17,17,15,.08);
      transform: translateY(var(--parallax-y, 0));
      transition: transform .25s ease;
    }
    .product-watermark svg {
      width: 100%;
      height: 100%;
      fill: none;
      stroke: currentColor;
      stroke-width: 1.75;
      stroke-linecap: round;
      stroke-linejoin: round;
    }
    .product-card:nth-child(4) .product-watermark,
    #personnes .product-card:nth-child(4) .product-watermark {
      color: rgba(255,255,255,.11);
    }
    .icon-auto { top: 18px; right: 18px; width: 82px; height: 82px; }
    .icon-home { right: 18px; bottom: 18px; width: 90px; height: 90px; }
    .icon-voyage { top: 18px; right: 18px; width: 84px; height: 84px; }
    .icon-people { top: 18px; right: 18px; width: 88px; height: 88px; }
    .icon-life { top: 18px; right: 18px; width: 82px; height: 82px; }
    .icon-income { right: 18px; bottom: 18px; width: 86px; height: 86px; }
    .icon-health { top: 18px; right: 18px; width: 84px; height: 84px; }
    .icon-mortgage { right: 18px; bottom: 18px; width: 88px; height: 88px; }

    @media (max-width: 620px) {
      .product-watermark { opacity: .82; }
      .icon-auto, .icon-voyage, .icon-life, .icon-health { width: 68px; height: 68px; }
      .icon-home, .icon-people, .icon-income, .icon-mortgage { width: 74px; height: 74px; }
      .icon-auto, .icon-voyage, .icon-life, .icon-health, .icon-people { top: 12px; right: 12px; }
      .icon-home, .icon-income, .icon-mortgage { right: 12px; bottom: 12px; }
    }

.product-watermark { display: none !important; }
    .product-heading {
      display: flex;
      align-items: flex-start;
      justify-content: space-between;
      gap: 14px;
    }
    .product-heading h3 {
      flex: 1 1 auto;
      min-width: 0;
      margin-bottom: 0;
    }
    .product-heading-icon {
      width: 38px;
      height: 38px;
      flex: 0 0 38px;
      display: grid;
      place-items: center;
      border-radius: 12px;
      background: rgba(255,255,255,.42);
      color: rgba(17,17,15,.72);
      margin-top: 4px;
    }
    .product-heading-icon svg {
      width: 22px;
      height: 22px;
      fill: none;
      stroke: currentColor;
      stroke-width: 1.8;
      stroke-linecap: round;
      stroke-linejoin: round;
    }
    .product-card:nth-child(4) .product-heading-icon,
    #personnes .product-card:nth-child(4) .product-heading-icon {
      background: rgba(255,255,255,.1);
      color: rgba(255,255,255,.82);
    }
    .product-card:nth-child(2) .product-heading-icon,
    #personnes .product-card:nth-child(2) .product-heading-icon {
      background: rgba(255,255,255,.32);
    }
    @media (max-width: 620px) {
      .product-heading { gap: 10px; }
      .product-heading-icon {
        width: 34px;
        height: 34px;
        flex-basis: 34px;
        border-radius: 10px;
      }
      .product-heading-icon svg {
        width: 19px;
        height: 19px;
      }
    }

.product-heading {
      gap: 12px;
      align-items: flex-start;
    }
    .product-heading-icon {
      width: 34px;
      height: 34px;
      flex: 0 0 34px;
      margin-top: 3px;
      border-radius: 10px;
      background: transparent;
      border: 1px solid rgba(17,17,15,.10);
      color: rgba(17,17,15,.58);
      box-shadow: inset 0 1px 0 rgba(255,255,255,.35);
    }
    .product-heading-icon svg {
      width: 18px;
      height: 18px;
      stroke-width: 1.45;
    }
    .product-card:nth-child(4) .product-heading-icon,
    #personnes .product-card:nth-child(4) .product-heading-icon {
      background: transparent;
      border-color: rgba(255,255,255,.14);
      color: rgba(255,255,255,.72);
      box-shadow: inset 0 1px 0 rgba(255,255,255,.06);
    }
    .product-card:nth-child(2) .product-heading-icon,
    #personnes .product-card:nth-child(2) .product-heading-icon,
    .product-card:nth-child(3) .product-heading-icon,
    #personnes .product-card:nth-child(3) .product-heading-icon {
      background: transparent;
    }
    @media (max-width: 620px) {
      .product-heading {
        gap: 9px;
      }
      .product-heading-icon {
        width: 30px;
        height: 30px;
        flex-basis: 30px;
        border-radius: 9px;
      }
      .product-heading-icon svg {
        width: 16px;
        height: 16px;
        stroke-width: 1.4;
      }
    }

.reviews-heading {
      margin-bottom: 26px;
    }
    .reviews-heading h2 {
      margin-bottom: 0;
    }
    @media (max-width: 620px) {
      .reviews-heading {
        margin-bottom: 20px;
      }
    }

.product-heading {
      display: block !important;
      gap: 0 !important;
    }
    .product-heading-icon,
    .product-watermark {
      display: none !important;
    }
    .product-heading h3 {
      margin-bottom: 12px;
    }
    @media (max-width: 620px) {
      .product-heading h3 {
        margin-bottom: 8px;
      }
    }

.menu-checkbox {
      position: fixed;
      width: 1px;
      height: 1px;
      opacity: 0;
      pointer-events: none;
    }
    .menu-toggle {
      position: relative;
      z-index: 130;
      user-select: none;
      -webkit-tap-highlight-color: transparent;
    }
    .menu-toggle .menu-icon-close { display: none; }
    #mobile-menu-toggle:checked ~ .site-header .menu-toggle .menu-icon-open { display: none; }
    #mobile-menu-toggle:checked ~ .site-header .menu-toggle .menu-icon-close { display: block; }
    #mobile-menu-toggle:checked ~ .mobile-panel {
      display: block !important;
      opacity: 1 !important;
      visibility: visible !important;
      pointer-events: auto !important;
    }
    #mobile-menu-toggle:checked ~ .mobile-panel .mobile-panel-inner {
      transform: translateY(0) !important;
    }
    .mobile-panel {
      z-index: 120;
    }
    @media (min-width: 1081px) {
      .menu-checkbox { display: none; }
    }

.mobile-panel {
      padding: 10px;
      background: rgba(17,17,15,.18);
      backdrop-filter: blur(8px);
      -webkit-backdrop-filter: blur(8px);
    }
    .mobile-panel-inner {
      width: min(92vw, 430px);
      min-height: auto;
      max-height: calc(100dvh - 20px);
      margin-left: auto;
      padding: 18px 18px 20px;
      border-radius: 24px;
      box-shadow: 0 18px 50px rgba(0,0,0,.16);
      transform: translateX(18px);
      overflow: auto;
    }
    .mobile-panel.open .mobile-panel-inner,
    #mobile-menu-toggle:checked ~ .mobile-panel .mobile-panel-inner {
      transform: translateX(0) !important;
    }
    .mobile-menu-top {
      padding-bottom: 14px;
      margin-bottom: 4px;
    }
    .mobile-menu-kicker {
      font-size: 11px;
      letter-spacing: .08em;
    }
    .mobile-panel nav {
      margin-top: 6px;
    }
    .mobile-panel nav a {
      padding: 14px 2px;
      font-size: clamp(18px, 5.2vw, 22px);
      font-weight: 700;
      letter-spacing: -.03em;
      border-bottom: 1px solid rgba(17,17,15,.08);
    }
    .mobile-panel nav a:last-child { border-bottom: 0; }
    .mobile-panel nav a span:last-child {
      color: var(--muted);
      font-size: 18px;
      line-height: 1;
    }
    .mobile-contact {
      margin-top: 18px;
      display: grid;
      gap: 12px;
    }
    .mobile-contact .btn {
      min-height: 54px;
      border-radius: 999px;
      font-size: 16px;
    }
    .mobile-menu-footer {
      margin-top: 20px;
      padding-top: 16px;
      gap: 14px;
    }
    .mobile-menu-socials a {
      width: 34px;
      height: 34px;
      font-size: 12px;
      background: transparent;
    }
    .mobile-menu-languages a {
      padding: 6px 8px;
      font-size: 11px;
    }
    @media (max-width: 620px) {
      .mobile-panel-inner {
        width: calc(100vw - 16px);
        padding: 16px;
        border-radius: 22px;
      }
    }

/* The mobile menu is controlled by the URL target. This works even in iOS previews where JavaScript may be restricted. */
    .mobile-panel {
      display: block !important;
      opacity: 0 !important;
      visibility: hidden !important;
      pointer-events: none !important;
    }
    .mobile-panel:target {
      opacity: 1 !important;
      visibility: visible !important;
      pointer-events: auto !important;
    }
    .mobile-panel .mobile-panel-inner {
      transform: translateX(18px) !important;
    }
    .mobile-panel:target .mobile-panel-inner {
      transform: translateX(0) !important;
    }
    .mobile-menu-close {
      width: 38px;
      height: 38px;
      flex: 0 0 38px;
      display: grid;
      place-items: center;
      border: 1px solid var(--line);
      border-radius: 50%;
      background: rgba(255,255,255,.72);
      color: var(--ink);
    }
    .mobile-menu-close svg { width: 18px; height: 18px; }
    html:has(#mobile-menu:target) body { overflow: hidden; }
    @media (min-width:1081px) {
      #mobile-menu:target { opacity: 0 !important; visibility: hidden !important; pointer-events: none !important; }
    }

/* V23 — reliable, scroll-linked section and card reveals.
       Modern browsers use the viewport itself as the animation timeline;
       the existing IntersectionObserver remains the fallback. */
    @supports (animation-timeline: view()) {
      /* Prevent the older JS reveal transition from competing with the
         scroll-linked animation. */
      html.motion-enabled .reveal,
      html.motion-enabled .reveal.visible {
        opacity: 1;
        transform: none;
        filter: none;
        clip-path: none;
        transition: none;
      }

      .section-title,
      .why-sticky,
      .reviews-heading {
        animation-name: tc-title-enter;
        animation-duration: 1ms;
        animation-timing-function: linear;
        animation-fill-mode: both;
        animation-timeline: view(block);
        animation-range: entry 4% cover 27%;
      }

      .product-card,
      .process-card,
      .review-platform,
      .help-card,
      .article-card,
      .cta-shell {
        animation-name: tc-card-enter;
        animation-duration: 1ms;
        animation-timing-function: linear;
        animation-fill-mode: both;
        animation-timeline: view(block);
        animation-range: entry 5% cover 31%;
        transform-origin: 50% 100%;
      }

      .product-grid > :nth-child(even),
      .process-grid > :nth-child(2),
      .review-platform-grid > :nth-child(2),
      .help-shell > :nth-child(2),
      .article-grid > :nth-child(2) {
        animation-range: entry 9% cover 35%;
      }

      .product-grid > :nth-child(3),
      .process-grid > :nth-child(3),
      .article-grid > :nth-child(3) {
        animation-range: entry 12% cover 38%;
      }

      @keyframes tc-title-enter {
        0% {
          opacity: 0;
          transform: translate3d(0, 34px, 0);
          filter: blur(2px);
        }
        100% {
          opacity: 1;
          transform: translate3d(0, 0, 0);
          filter: blur(0);
        }
      }

      @keyframes tc-card-enter {
        0% {
          opacity: 0;
          transform: translate3d(0, 46px, 0) scale(.965);
          filter: blur(2px);
          clip-path: inset(10% 0 0 0 round 26px);
        }
        100% {
          opacity: 1;
          transform: translate3d(0, 0, 0) scale(1);
          filter: blur(0);
          clip-path: inset(0 0 0 0 round 26px);
        }
      }
    }

    @media (max-width: 620px) {
      @supports (animation-timeline: view()) {
        .section-title,
        .why-sticky,
        .reviews-heading {
          animation-range: entry 2% cover 23%;
        }
        .product-card,
        .process-card,
        .review-platform,
        .help-card,
        .article-card,
        .cta-shell {
          animation-range: entry 3% cover 27%;
        }
        @keyframes tc-title-enter {
          0% { opacity: 0; transform: translate3d(0, 25px, 0); }
          100% { opacity: 1; transform: translate3d(0, 0, 0); }
        }
        @keyframes tc-card-enter {
          0% {
            opacity: 0;
            transform: translate3d(0, 38px, 0) scale(.972);
            clip-path: inset(8% 0 0 0 round 22px);
          }
          100% {
            opacity: 1;
            transform: translate3d(0, 0, 0) scale(1);
            clip-path: inset(0 0 0 0 round 22px);
          }
        }
      }
    }

    @media (prefers-reduced-motion: reduce) {
      .section-title,
      .why-sticky,
      .reviews-heading,
      .product-card,
      .process-card,
      .review-platform,
      .help-card,
      .article-card,
      .cta-shell {
        animation: none !important;
        opacity: 1 !important;
        transform: none !important;
        filter: none !important;
        clip-path: none !important;
      }
    }

/* V24 — stronger mobile handoff inspired by WhatsApp.
       More travel, depth and alternating direction, while remaining smooth. */
    @media (max-width: 620px) {
      @supports (animation-timeline: view()) {
        .section-title,
        .why-sticky,
        .reviews-heading {
          animation-name: tc-title-enter-strong;
          animation-range: entry 0% cover 34%;
          transform-origin: 0 100%;
        }

        .product-card,
        .process-card,
        .review-platform,
        .help-card,
        .article-card,
        .cta-shell {
          --tc-card-x: -24px;
          --tc-card-rotate: -1deg;
          animation-name: tc-card-enter-strong;
          animation-range: entry 0% cover 40%;
          transform-origin: 50% 100%;
        }

        .product-grid > :nth-child(even),
        .process-grid > :nth-child(even),
        .review-platform-grid > :nth-child(even),
        .help-shell > :nth-child(even),
        .article-grid > :nth-child(even) {
          --tc-card-x: 24px;
          --tc-card-rotate: 1deg;
          animation-range: entry 3% cover 43%;
        }

        .product-grid > :nth-child(3n),
        .process-grid > :nth-child(3n),
        .article-grid > :nth-child(3n) {
          --tc-card-x: -16px;
          --tc-card-rotate: -.7deg;
          animation-range: entry 6% cover 46%;
        }

        @keyframes tc-title-enter-strong {
          0% {
            opacity: 0;
            transform: translate3d(0, 58px, 0) scale(.965);
            filter: blur(4px);
            clip-path: inset(12% 0 0 0 round 18px);
          }
          55% {
            opacity: .72;
          }
          100% {
            opacity: 1;
            transform: translate3d(0, 0, 0) scale(1);
            filter: blur(0);
            clip-path: inset(0 0 0 0 round 18px);
          }
        }

        @keyframes tc-card-enter-strong {
          0% {
            opacity: 0;
            transform: translate3d(var(--tc-card-x), 78px, 0) scale(.91) rotate(var(--tc-card-rotate));
            filter: blur(5px);
            clip-path: inset(18% 4% 0 4% round 30px);
          }
          42% {
            opacity: .55;
          }
          75% {
            opacity: .93;
            transform: translate3d(calc(var(--tc-card-x) * .12), 10px, 0) scale(.993) rotate(0deg);
            filter: blur(.4px);
          }
          100% {
            opacity: 1;
            transform: translate3d(0, 0, 0) scale(1) rotate(0deg);
            filter: blur(0);
            clip-path: inset(0 0 0 0 round 24px);
          }
        }
      }

      /* Fallback for browsers without scroll-linked animations. */
      @supports not (animation-timeline: view()) {
        html.motion-enabled .reveal {
          --motion-y: 52px;
          --motion-scale: .94;
          filter: blur(3px);
          transition-duration: .82s, .95s, .72s, .95s;
        }
        html.motion-enabled .reveal.motion-title {
          --motion-y: 58px;
          --motion-scale: .97;
        }
        html.motion-enabled .reveal.motion-card {
          clip-path: inset(14% 3% 0 3% round 24px);
        }
        html.motion-enabled .reveal.motion-from-left {
          --motion-x: -26px;
          --motion-y: 64px;
        }
        html.motion-enabled .reveal.motion-from-right {
          --motion-x: 26px;
          --motion-y: 64px;
        }
      }
    }

    @media (prefers-reduced-motion: reduce) {
      .section-title,
      .why-sticky,
      .reviews-heading,
      .product-card,
      .process-card,
      .review-platform,
      .help-card,
      .article-card,
      .cta-shell {
        animation: none !important;
        opacity: 1 !important;
        transform: none !important;
        filter: none !important;
        clip-path: none !important;
      }
    }

/* V26 — dedicated desktop animation that overrides older reveal systems. */
    @media (min-width: 621px) {
      html.tc-desktop-motion body .tc-desktop-reveal {
        --tc-x: -54px;
        --tc-r: -1deg;
        animation: none !important;
        opacity: 0 !important;
        transform: translate3d(var(--tc-x), 82px, 0) scale(.93) rotate(var(--tc-r)) !important;
        filter: blur(5px) !important;
        clip-path: inset(15% 2% 0 2% round 28px) !important;
        transition:
          opacity .82s cubic-bezier(.2,.74,.2,1),
          transform .98s cubic-bezier(.2,.74,.2,1),
          filter .76s ease,
          clip-path .98s cubic-bezier(.2,.74,.2,1) !important;
        transition-delay: var(--tc-delay, 0ms) !important;
        will-change: opacity, transform, filter, clip-path;
      }

      html.tc-desktop-motion body .tc-desktop-reveal.tc-title-reveal {
        --tc-x: 0px;
        --tc-r: 0deg;
        transform: translate3d(0, 58px, 0) scale(.975) !important;
        clip-path: inset(10% 0 0 0 round 20px) !important;
      }

      html.tc-desktop-motion body .tc-desktop-reveal.tc-from-right {
        --tc-x: 54px;
        --tc-r: 1deg;
      }

      html.tc-desktop-motion body .tc-desktop-reveal.tc-inview {
        opacity: 1 !important;
        transform: translate3d(0,0,0) scale(1) rotate(0deg) !important;
        filter: blur(0) !important;
        clip-path: inset(0 0 0 0 round 24px) !important;
      }
    }

    @media (prefers-reduced-motion: reduce) and (min-width: 621px) {
      html.tc-desktop-motion body .tc-desktop-reveal {
        transform: none !important;
        filter: none !important;
        clip-path: none !important;
        transition: opacity .28s ease !important;
      }
    }

/* Decorative hero notes: intentionally not styled as buttons. */
    .orbit-tag {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 0;
      border: 0;
      border-radius: 0;
      background: transparent;
      box-shadow: none;
      color: rgba(255,255,255,.84);
      font-size: 13px;
      font-weight: 800;
      letter-spacing: .04em;
      line-height: 1.2;
      text-transform: uppercase;
      pointer-events: none;
    }
    .orbit-tag::before {
      content: "";
      width: 30px;
      height: 1.5px;
      flex: 0 0 30px;
      background: currentColor;
      opacity: .72;
    }
    .orbit-tag.one {
      top: 14%;
      right: 5%;
      color: #F3DCA9;
      transform: none;
    }
    .orbit-tag.two {
      bottom: 15%;
      left: 4%;
      background: transparent;
      color: rgba(255,255,255,.84);
      transform: none;
    }
    @media (max-width: 860px) {
      .orbit-tag {
        font-size: 12px;
      }
      .orbit-tag::before {
        width: 26px;
        flex-basis: 26px;
      }
    }


/* FIX — el clip-path final con esquinas redondeadas (round 24px) recortaba la
   primera letra de enlaces situados en la esquina del bloque (p. ej.
   «Faites connaissance avec notre équipe»). Los reveals simples terminan sin
   clip; los que animan con clip inicial conservan su valor final redondeado. */
html.motion-enabled .reveal.visible { clip-path: none; }
html.motion-enabled .reveal.motion-card.visible,
html.motion-enabled .insurance-dashboard.reveal.visible { clip-path: inset(0 0 0 0 round 24px); }


/* FIX — en el modo de animación scroll-linked, .section-title queda con un
   filter permanente que lo rasteriza en su propia capa; las letras gruesas
   del enlace inferior (p. ej. la «F» de «Faites connaissance…») pintan 1-2px
   fuera del border-box y se recortan en el borde de la capa. Se amplía el box
   3px a la izquierda sin mover el texto. */
.section-title, .team-section-heading { padding-left: 3px; margin-left: -3px; }


/* EXTENSIÓN — el efecto de entrada (estilo WhatsApp) del mockup solo cubría
   los componentes del home; se extiende a todas las secciones del sitio
   (equipo, contacto, enlaces, perfiles, artículos, formularios). El sistema
   de escritorio (V26) recibe estos elementos vía main.js; este bloque cubre
   el modo scroll-linked (móvil y navegadores con animation-timeline). */
@supports (animation-timeline: view()) {
  .team-section-heading,
  .team-values-intro,
  .profile-heading-row,
  .page-hero {
    animation-name: tc-title-enter;
    animation-duration: 1ms;
    animation-timing-function: linear;
    animation-fill-mode: both;
    animation-timeline: view(block);
    animation-range: entry 4% cover 27%;
  }

  .team-hero-stage,
  .team-card,
  .team-story-card,
  .team-value,
  .link-card,
  .prose-card,
  .form-card,
  .article-cta-card,
  .profile-hero,
  .contact-card,
  .story-card,
  .story-note,
  .profile-article {
    animation-name: tc-card-enter;
    animation-duration: 1ms;
    animation-timing-function: linear;
    animation-fill-mode: both;
    animation-timeline: view(block);
    animation-range: entry 5% cover 31%;
    transform-origin: 50% 100%;
  }
}


/* Logo real en lugar del wordmark de texto (header, menú móvil y footer).
   Se anula el filtro monocromo del mockup para conservar los colores del logo. */
.brand img { filter: none; height: 34px; }
.footer-wordmark img { height: 48px; width: auto; display: block; }
.mobile-panel img { height: 28px; width: auto; }
@media (max-width: 620px) { .brand img { height: 28px; } }

/* Contención del carrusel RaveCapture dentro de la tarjeta del home:
   ancho limitado a la tarjeta, alto acotado y tipografía del sitio. */
#rave-reviews-widget { display: block; padding: 0; background: none; border: none; max-width: 100%; overflow: hidden; }
#rave-reviews-widget iframe { display: block; width: 100%; border-radius: 14px; }


/* CAMBIO — Botones principales en verde Ton Courtier (antes dorados). */
.btn-gold { background: var(--green); color: var(--white); }
.btn-gold:hover { background: #245740; box-shadow: 0 18px 34px rgba(46,106,74,.28); }

/* CAMBIO — La cinta dorada (promise-strip) se retiró de todas las páginas.
   Se compensa el espacio entre el hero y la primera sección. */
.hero { padding-bottom: 40px; }

/* --- Tarjeta "Épargne & investissements" (5ª de la sección personnes):
       a lo ancho completo, tono verde suave, 3 enlaces con flecha. --- */
#personnes .invest-card {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 28px;
  align-items: center;
  background: var(--green-soft);
  color: var(--ink);
  cursor: default;
}
#personnes .invest-card:hover { transform: none; }
#personnes .invest-card h3 { font-family: 'Manrope', sans-serif; font-size: clamp(24px, 2.6vw, 30px); letter-spacing: -0.02em; margin: 10px 0 10px; }
#personnes .invest-card .invest-copy p { color: var(--ink-2); font-size: 15.5px; line-height: 1.65; margin: 0; max-width: 46ch; }
.invest-links { display: grid; gap: 10px; }
.invest-link {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  background: var(--white);
  border-radius: 16px;
  padding: 14px 16px;
  text-decoration: none;
  color: var(--ink);
  transition: transform .2s ease, box-shadow .2s ease;
}
.invest-link:hover { transform: translateY(-2px); box-shadow: 0 14px 28px rgba(17,17,15,.10); }
.invest-link:hover .round-arrow { transform: rotate(45deg); }
.invest-link strong { display: block; font-size: 16px; letter-spacing: .01em; }
.invest-link small { display: block; color: var(--ink-2); font-size: 13px; margin-top: 2px; }
.invest-link .round-arrow { width: 40px; height: 40px; font-size: 17px; background: var(--green-soft); color: var(--green); }
@media (max-width: 900px) {
  #personnes .invest-card { grid-template-columns: 1fr; gap: 18px; }
}

/* --- Header en una sola línea siempre: los enlaces del menú no se parten
       y en anchos intermedios se compactan espacios y logo. --- */
.desktop-nav a { white-space: nowrap; }
.desktop-nav { min-width: 0; flex-wrap: nowrap; }
@media (min-width: 1081px) {
  .nav-shell { gap: 18px; }
  .desktop-nav { gap: clamp(12px, 1.6vw, 22px); }
  .desktop-nav a { font-size: 13.5px; }
  .phone-link { font-size: 13.5px; }
  .brand img { height: 30px; }
}
@media (min-width: 1081px) and (max-width: 1210px) {
  .phone-link { display: none; }
}

/* Móvil: las etiquetas flotantes del hero (orbit-tag) se montan sobre la
   tarjeta de protección — se ocultan en pantallas angostas. */
@media (max-width: 760px) {
  .orbit-tag { display: none !important; }
}