/* ============================================================
   MG2L — Feuille de style principale
   Courtier en assurances IOB / IAS / IMMO — Lunel
   ============================================================ */

:root {
  --red: #8f2f2d;
  --red-2: #6e2323;
  --navy: #33507a;
  --navy-2: #24395a;
  --dark: #212833;
  --text: #333a44;
  --muted: #6b7280;
  --bg: #ffffff;
  --bg-soft: #f6f7f9;
  --bg-soft-red: #faeeed;
  --bg-soft-navy: #eef1f6;
  --border: #e6e8ec;
  --white: #ffffff;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px rgba(33, 40, 51, .10);
  --shadow-lg: 0 24px 60px rgba(33, 40, 51, .16);
  --grad: linear-gradient(120deg, #a83a37 0%, #6e2323 100%);
  --grad-navy: linear-gradient(120deg, #3f6494 0%, #24395a 100%);
  --grad-soft: linear-gradient(120deg, #faeeed 0%, #eef1f6 100%);
  --font: 'Poppins', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none;
  -webkit-touch-callout: none;
}
input, textarea, select {
  -webkit-user-select: text; -moz-user-select: text; -ms-user-select: text; user-select: text;
}

/* ---------- Protection du contenu ---------- */
#mg2l-copy-notice {
  position: fixed; left: 50%; bottom: 26px; transform: translate(-50%, 20px);
  background: var(--dark); color: #fff; padding: 12px 22px; border-radius: 999px;
  font-size: .88rem; font-weight: 500; box-shadow: var(--shadow-lg); z-index: 5000;
  opacity: 0; pointer-events: none; transition: opacity .25s, transform .25s;
  max-width: 90vw; text-align: center;
}
#mg2l-copy-notice.show { opacity: 1; transform: translate(-50%, 0); }

a { color: var(--red); text-decoration: none; transition: .2s; }
a:hover { color: var(--red-2); }
img { max-width: 100%; display: block; }
.container { width: min(1180px, 92%); margin: 0 auto; }
section { padding: 84px 0; }

h1, h2, h3, h4 { line-height: 1.2; color: var(--dark); font-weight: 700; }
h1 { font-size: clamp(2.1rem, 4.5vw, 3.3rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.2rem; }
p { color: var(--text); }

.eyebrow {
  display: inline-block;
  font-size: .78rem; font-weight: 600; letter-spacing: .12em;
  text-transform: uppercase; color: var(--red);
  background: var(--bg-soft-red); padding: 6px 14px; border-radius: 999px;
  margin-bottom: 18px;
}

.section-head { text-align: center; max-width: 720px; margin: 0 auto 54px; }
.section-head p { color: var(--muted); font-size: 1.05rem; margin-top: 14px; }

.text-grad {
  background: var(--grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 14px 28px; border-radius: 999px; font-weight: 600;
  font-family: var(--font); font-size: .96rem; cursor: pointer;
  border: none; transition: transform .2s, box-shadow .2s, background .2s;
}
.btn-primary { background: var(--grad); color: #fff; box-shadow: 0 10px 24px rgba(143,47,45,.28); }
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(143,47,45,.42); color:#fff; }
.btn-navy { background: var(--grad-navy); color: #fff; box-shadow: 0 10px 24px rgba(36,57,90,.28); }
.btn-navy:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(36,57,90,.42); color:#fff; }
.btn-ghost { background: #fff; color: var(--navy); border: 1.5px solid var(--border); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy-2); transform: translateY(-3px); }
.btn-sm { padding: 10px 20px; font-size: .88rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,.98);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand img { height: 46px; width: auto; }
.brand .tagline { display: block; font-size: .68rem; color: var(--muted); font-style: italic; margin-top: -2px; }

.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-links a {
  color: var(--dark); font-weight: 500; font-size: .9rem;
  padding: 9px 12px; border-radius: 999px; white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active { background: var(--bg-soft-red); color: var(--red); }
.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--dark); margin: 5px 0; border-radius: 2px; transition: .25s; }

@media (max-width: 980px) {
  .nav-links { position: fixed; top: 78px; left: 0; right: 0; bottom: 0;
    background: #fff; flex-direction: column; align-items: stretch; gap: 2px;
    padding: 18px; overflow-y: auto; transform: translateX(100%); transition: transform .3s;
    box-shadow: var(--shadow-lg); }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { padding: 14px 16px; font-size: 1.02rem; }
  .nav-toggle { display: block; }
  .nav-cta .btn span.long { display: none; }
}

/* ---------- Hero ---------- */
.hero { background: var(--grad-soft); padding: 90px 0 70px; position: relative; overflow: hidden; }
.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 50px; align-items: center; }
.hero p.lead { font-size: 1.12rem; color: var(--muted); margin: 22px 0 32px; max-width: 560px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 34px; margin-top: 46px; flex-wrap: wrap; }
.hero-stats .stat b { display: block; font-size: 1.9rem; color: var(--navy); }
.hero-stats .stat span { font-size: .85rem; color: var(--muted); }

.hero-card {
  background: var(--dark); border-radius: 22px; padding: 34px;
  color: #fff; box-shadow: var(--shadow-lg);
}
.hero-card .hc-label { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: #b9c2d0; margin-bottom: 18px; }
.hero-card .hc-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.hero-card .hc-row:last-child { border-bottom: none; }
.hero-card .hc-row b { color: #fff; }
.hero-card .hc-pill { font-size: .74rem; padding: 4px 10px; border-radius: 999px; }
.pill-green { background: rgba(60,180,120,.18); color: #6fe0a6; }
.pill-orange { background: rgba(230,160,60,.18); color: #f2b45b; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
}

/* ---------- Universes split ---------- */
.universes { padding: 30px 0 84px; }
.universe-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.universe-card {
  border-radius: var(--radius); padding: 40px; position: relative; overflow: hidden;
  color: #fff; min-height: 260px; display: flex; flex-direction: column; justify-content: flex-end;
  box-shadow: var(--shadow);
}
.universe-card.pro { background: var(--grad-navy); }
.universe-card.particulier { background: var(--grad); }
.universe-card .u-eyebrow { font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; opacity: .85; margin-bottom: 10px; }
.universe-card h3 { color: #fff; font-size: 1.6rem; margin-bottom: 10px; }
.universe-card p { color: rgba(255,255,255,.88); margin-bottom: 20px; }
.universe-card .btn-light { background: rgba(255,255,255,.16); color: #fff; border: 1.5px solid rgba(255,255,255,.4); backdrop-filter: blur(6px); align-self: flex-start; }
.universe-card .btn-light:hover { background: rgba(255,255,255,.28); transform: translateY(-3px); }
.universe-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 22px; }
.universe-tags span {
  background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.3);
  color: #fff; font-size: .8rem; font-weight: 600; padding: 6px 13px; border-radius: 999px;
}

.universe-picker { padding: 10px 0 30px; }
.universe-picker .section-head { margin-bottom: 30px; }

.shared-band {
  background: var(--dark); border-radius: var(--radius); padding: 28px 34px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  color: #fff; margin-top: 26px; box-shadow: var(--shadow);
}
.shared-band .u-eyebrow { font-size: .76rem; letter-spacing: .08em; text-transform: uppercase; color: #ffb199; margin-bottom: 6px; display: block; }
.shared-band h3 { color: #fff; font-size: 1.2rem; margin-bottom: 4px; }
.shared-band p { color: rgba(255,255,255,.75); font-size: .92rem; margin: 0; max-width: 480px; }

@media (max-width: 780px) { .universe-grid { grid-template-columns: 1fr; } }

/* ---------- Cards grid (garanties) ---------- */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px; transition: .25s; box-shadow: 0 2px 10px rgba(33,40,51,.04);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: transparent; }
.card .icon {
  width: 50px; height: 50px; border-radius: 14px; display: grid; place-items: center;
  background: var(--bg-soft-red); color: var(--red); margin-bottom: 18px; font-size: 1.4rem;
}
.card.navy .icon { background: var(--bg-soft-navy); color: var(--navy); }
.card h3 { margin-bottom: 8px; font-size: 1.08rem; }
.card p { color: var(--muted); font-size: .95rem; }

@media (max-width: 980px) { .cards-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .cards-grid { grid-template-columns: 1fr; } }

/* ---------- Why us / values ---------- */
.why-section { background: var(--bg-soft); }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; margin-top: 10px; }
.why-item { text-align: center; padding: 10px; }
.why-item .icon {
  width: 62px; height: 62px; border-radius: 50%; background: #fff; box-shadow: var(--shadow);
  display: grid; place-items: center; margin: 0 auto 18px; font-size: 1.6rem; color: var(--red);
}
.why-item h3 { font-size: 1.02rem; margin-bottom: 8px; }
.why-item p { color: var(--muted); font-size: .92rem; }

@media (max-width: 980px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--grad); border-radius: 24px; padding: 56px; text-align: center; color: #fff;
  margin: 0 auto; box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,.9); max-width: 560px; margin: 0 auto 30px; }
.cta-band .btn-ghost { background: #fff; color: var(--red); border: none; }
.cta-band .btn-ghost:hover { transform: translateY(-3px); color: var(--red-2); }

/* ---------- Page header (inner pages) ---------- */
.page-hero { background: var(--grad-soft); padding: 60px 0 50px; }
.page-hero .eyebrow { background: rgba(255,255,255,.7); }
.breadcrumb { font-size: .85rem; color: var(--muted); margin-bottom: 16px; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--red); }

/* ---------- Guarantee detail blocks ---------- */
.detail-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 46px; align-items: start; }
.detail-list { list-style: none; margin-top: 20px; }
.detail-list li { padding: 12px 0 12px 30px; position: relative; border-bottom: 1px solid var(--border); }
.detail-list li:last-child { border-bottom: none; }
.detail-list li::before { content: "✓"; position: absolute; left: 0; top: 12px; color: var(--red); font-weight: 700; }
.side-card { background: var(--bg-soft); border-radius: var(--radius); padding: 28px; position: sticky; top: 100px; }
.side-card h3 { font-size: 1rem; margin-bottom: 14px; }
.side-card .btn { width: 100%; justify-content: center; margin-top: 8px; }
.side-card p.mini { font-size: .82rem; color: var(--muted); margin-top: 14px; }

@media (max-width: 900px) { .detail-grid { grid-template-columns: 1fr; } .side-card { position: static; } }

/* ---------- Product index (listing pages) ---------- */
.product-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.product-item {
  display: flex; gap: 18px; padding: 24px; background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); transition: .2s;
}
.product-item:hover { box-shadow: var(--shadow); transform: translateY(-2px); border-color: transparent; }
.product-item .icon { width: 46px; height: 46px; flex-shrink: 0; border-radius: 12px; background: var(--bg-soft-red); color: var(--red); display: grid; place-items: center; font-size: 1.25rem; }
.product-item h3 { font-size: 1rem; margin-bottom: 6px; }
.product-item p { font-size: .9rem; color: var(--muted); }

@media (max-width: 700px) { .product-list { grid-template-columns: 1fr; } }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }
.contact-info-item { display: flex; gap: 16px; margin-bottom: 26px; }
.contact-info-item .icon { width: 44px; height: 44px; border-radius: 12px; background: var(--bg-soft-navy); color: var(--navy); display: grid; place-items: center; flex-shrink: 0; }
.contact-info-item h3 { font-size: .95rem; margin-bottom: 4px; }
.contact-info-item p { font-size: .92rem; color: var(--muted); }

.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .88rem; font-weight: 600; margin-bottom: 6px; color: var(--dark); }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font); font-size: .95rem; color: var(--text); background: #fff; transition: .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--navy); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 12px; }
.form-note.ok { color: #1a7a4c; }
.form-note.err { color: var(--red); }

.consent-group { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.consent-group input[type="checkbox"] {
  width: 19px; height: 19px; flex-shrink: 0; margin-top: 2px; accent-color: var(--red); cursor: pointer;
}
.consent-group label { font-size: .85rem; color: var(--text); line-height: 1.5; cursor: pointer; font-weight: 400; }

@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } .form-row { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--dark); color: #c7cbd4; padding: 64px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 46px; }
.footer-grid h4 { color: #fff; font-size: .92rem; margin-bottom: 18px; letter-spacing: .04em; text-transform: uppercase; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: #c7cbd4; font-size: .9rem; }
.footer-grid a:hover { color: #fff; }
.footer-brand img { height: 40px; margin-bottom: 14px; filter: brightness(0) invert(1); opacity: .95; }
.footer-brand p { font-size: .88rem; color: #9aa0ac; max-width: 320px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: .82rem; color: #8a90a0;
}
.footer-bottom a { color: #8a90a0; }
.footer-bottom a:hover { color: #fff; }
.footer-bottom .flinks { display: flex; gap: 18px; flex-wrap: wrap; }

/* ---------- Cookie banner ---------- */
.cookie-banner {
  position: fixed; left: 20px; right: 20px; bottom: 20px; z-index: 2000;
  max-width: 720px; margin: 0 auto; background: #fff; border-radius: 18px;
  box-shadow: var(--shadow-lg); padding: 26px; display: none; border: 1px solid var(--border);
}
.cookie-banner.show { display: block; }
.cookie-banner p { font-size: .9rem; margin-bottom: 16px; }
.cookie-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ---------- Promo bar (service phare) ---------- */
.promo-bar {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--dark); color: #fff; text-align: center;
  padding: 12px 20px; font-size: .88rem; font-weight: 500; flex-wrap: wrap;
}
.promo-bar:hover { color: #fff; background: #171c24; }
.promo-bar span { color: #ffb199; font-weight: 700; white-space: nowrap; }

/* ---------- Numbered steps (parcours) ---------- */
.step-list { counter-reset: step; }
.step-item { display: flex; gap: 22px; padding: 22px 0; border-bottom: 1px solid var(--border); }
.step-item:last-child { border-bottom: none; }
.step-num {
  width: 48px; height: 48px; border-radius: 14px; background: var(--grad); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 1.2rem; flex-shrink: 0;
  box-shadow: 0 8px 18px rgba(143,47,45,.28);
}
.step-item h3 { margin-bottom: 6px; }
.step-item p { color: var(--muted); font-size: .95rem; }

/* ---------- Persona cards ---------- */
.persona-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.persona-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius); padding: 32px; }
.persona-card .icon { font-size: 2.2rem; margin-bottom: 14px; }
.persona-card h3 { margin-bottom: 10px; }
.persona-card ul { margin: 14px 0 0 20px; color: var(--muted); font-size: .93rem; }
.persona-card ul li { margin-bottom: 6px; }
@media (max-width: 780px) { .persona-grid { grid-template-columns: 1fr; } }

/* ---------- Photos ---------- */
.side-photo {
  width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: var(--radius);
  box-shadow: var(--shadow); margin-bottom: 20px; display: block;
}
.photo-band {
  width: 100%; aspect-ratio: 21/7; object-fit: cover; border-radius: var(--radius);
  box-shadow: var(--shadow); display: block;
}
@media (max-width: 900px) { .photo-band { aspect-ratio: 16/10; } }
.photo-caption { text-align: center; font-size: .85rem; color: var(--muted); margin-top: 10px; }
.hero-photo {
  width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

/* ---------- Misc ---------- */
.mt-0 { margin-top: 0; }
.legal-content h2 { margin-top: 40px; margin-bottom: 14px; font-size: 1.25rem; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { margin-bottom: 14px; color: var(--text); }
.legal-content ul { margin: 0 0 14px 20px; color: var(--text); }