/* ===========================================================
   Groupe Fidelis — Assurance de prêt
   Design system: "Plan de protection" — blueprint / technical-
   drawing aesthetic. The loan is the structure; the insurance
   is the drawn-in safety margin around it.
   =========================================================== */

:root{
  --ink: #161D2B;
  --ink-soft: #525B6B;
  --paper: #FFFFFF;
  --tint: #EAF4FC;
  --paper-line: #DCE6ED;
  --blue: #2F8FE0;        /* lifted and saturated from the Fidelis "e" */
  --blue-deep: #1C5FA0;
  --navy: #101826;
  --coral: #FF6F4D;       /* warm accent so the page doesn't read flat blue/grey */
  --coral-deep: #E4552F;
  --gold: #F0A93D;
  --white: #FFFFFF;
  --radius: 6px;
  --max: 1080px;
  --serif: 'Fraunces', 'Georgia', serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --mono: 'IBM Plex Mono', 'Courier New', monospace;
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
section[id]{ scroll-margin-top: 84px; }
body{
  margin:0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--tint);
  -webkit-font-smoothing: antialiased;
}

img{ max-width:100%; display:block; }

a{ color: var(--blue-deep); text-decoration: none; }
a:hover{ text-decoration: underline; }

:focus-visible{
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

.wrap{
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
}

/* ---------- annotation / mono labels ---------- */
.tag{
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-deep);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.tag::before{
  content: "";
  width: 14px;
  height: 1px;
  background: var(--blue-deep);
  display: inline-block;
}

/* ---------- header ---------- */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--paper-line);
}
.site-header .wrap{
  display:flex;
  align-items:center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  gap: 20px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  flex-shrink: 0;
}
.brand img{ height: 36px; width:auto; display:block; }
nav.main-nav{
  display:flex;
  align-items:center;
  gap: 26px;
}
nav.main-nav a{
  color: var(--ink);
  font-size: 14.5px;
  font-weight: 500;
  text-decoration: none;
  position: relative;
}
nav.main-nav a:hover{ color: var(--blue-deep); }
nav.main-nav a.current{ color: var(--blue-deep); }
nav.main-nav a.current::after{
  content:"";
  position:absolute;
  left:0; right:0; bottom:-8px;
  height:2px;
  background: var(--blue);
}
.btn-quote{
  background: var(--ink);
  color: var(--white) !important;
  padding: 10px 18px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 600;
  text-decoration: none !important;
  white-space: nowrap;
}
.btn-quote:hover{ background: var(--coral-deep); }

.nav-toggle{ display:none; }

@media (max-width: 760px){
  nav.main-nav{
    position: fixed;
    inset: 60px 0 0 0;
    background: var(--paper);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px 28px;
    gap: 18px;
    transform: translateY(-110%);
    transition: transform 0.25s ease;
    border-bottom: 1px solid var(--paper-line);
  }
  nav.main-nav.open{ transform: translateY(0); }
  .nav-toggle{
    display:block;
    background:none;
    border:1px solid var(--paper-line);
    width: 38px; height: 38px;
    cursor:pointer;
  }
  .nav-toggle span{
    display:block;
    width: 16px; height: 1px;
    background: var(--ink);
    margin: 4px auto;
  }
  .desktop-only{ display:none; }
}

/* ---------- hero ---------- */
.hero{
  position: relative;
  padding: 72px 0 64px;
  overflow: hidden;
  border-bottom: 1px solid var(--paper-line);
}
.hero .wrap{
  display:grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}
.hero h1{
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(34px, 4.4vw, 54px);
  line-height: 1.08;
  margin: 16px 0 20px;
  letter-spacing: -0.01em;
}
.hero h1 em{
  font-style: italic;
  color: var(--coral-deep);
}
.hero p.lead{
  font-size: 17.5px;
  color: var(--ink-soft);
  max-width: 480px;
  line-height: 1.6;
  margin-bottom: 28px;
}
.hero-ctas{
  display:flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items:center;
}
.btn-primary{
  background: var(--coral);
  color: var(--white);
  padding: 13px 24px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 15px;
  display:inline-block;
  box-shadow: 0 6px 18px rgba(255,111,77,0.28);
}
.btn-primary:hover{ background: var(--coral-deep); text-decoration:none; }
.btn-ghost{
  border: 1px solid var(--ink);
  color: var(--ink);
  padding: 12px 22px;
  border-radius: var(--radius);
  font-weight: 500;
  font-size: 15px;
}
.btn-ghost:hover{ background: var(--ink); color: var(--white); text-decoration:none; }

.hero-figure{ position: relative; }

.protect-badge{
  display:flex;
  flex-direction: column;
  align-items:center;
  gap: 28px;
  padding: 36px 24px;
  background: var(--white);
  border: 1px solid var(--paper-line);
  border-radius: 18px;
  box-shadow: 0 24px 48px -24px rgba(28,95,160,0.25);
}
.protect-icon{
  width: 168px;
  height: 168px;
  opacity: 0;
  animation: popIn 0.7s cubic-bezier(.2,.8,.2,1) forwards;
  animation-delay: 0.15s;
}
@keyframes popIn{
  from{ opacity: 0; transform: scale(0.85) translateY(8px); }
  to{ opacity: 1; transform: scale(1) translateY(0); }
}
.chip-row{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
}
.chip{
  display:flex;
  align-items:center;
  gap: 8px;
  background: var(--tint);
  border: 1px solid var(--paper-line);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
  opacity: 0;
  animation: chipIn 0.5s ease forwards;
}
.chip:nth-child(1){ animation-delay: 0.55s; }
.chip:nth-child(2){ animation-delay: 0.72s; }
.chip:nth-child(3){ animation-delay: 0.89s; }
@keyframes chipIn{
  from{ opacity:0; transform: translateY(6px); }
  to{ opacity:1; transform: translateY(0); }
}
.chip .dot{
  width: 8px; height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.protect-caption{
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-soft);
  text-align: center;
}

/* ---------- value banner: bank knowledge + savings ---------- */
.value-band{
  background: var(--white);
  border: 1px solid var(--paper-line);
  border-radius: 14px;
  padding: 44px 40px;
  display:grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 44px;
  align-items:center;
}
.value-text h2{
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(22px, 2.6vw, 28px);
  margin: 12px 0 12px;
  letter-spacing: -0.01em;
}
.value-text p{
  color: var(--ink-soft);
  font-size: 15.5px;
  line-height: 1.65;
  margin: 0;
  max-width: 520px;
}
.value-stat{
  border-left: 1px solid var(--paper-line);
  padding-left: 36px;
}
.value-stat .vs-num{
  font-family: var(--serif);
  font-size: 64px;
  font-weight: 600;
  color: var(--coral-deep);
  line-height: 1;
}
.value-stat .vs-label{
  margin-top: 10px;
  font-size: 14px;
  color: var(--ink-soft);
  line-height: 1.5;
  max-width: 260px;
}
@media (max-width: 760px){
  .value-band{ grid-template-columns: 1fr; padding: 32px 26px; }
  .value-stat{ border-left:none; border-top: 1px solid var(--paper-line); padding-left:0; padding-top: 24px; }
}
section{ padding: 64px 0; }
.section-head{
  margin-bottom: 36px;
  max-width: 640px;
}
.section-head h2{
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(26px, 3vw, 34px);
  margin: 12px 0 10px;
  letter-spacing: -0.01em;
}
.section-head p{
  color: var(--ink-soft);
  font-size: 16px;
  line-height: 1.6;
}
hr.rule{
  border: none;
  border-top: 1px solid var(--paper-line);
  margin: 0;
}

/* ---------- "pour les nuls" explainer steps ---------- */
.explainer{
  background: var(--white);
  border-top: 1px solid var(--paper-line);
  border-bottom: 1px solid var(--paper-line);
}
.explain-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--paper-line);
}
.explain-card{
  padding: 28px 26px;
  border-right: 1px solid var(--paper-line);
  position: relative;
}
.explain-card:last-child{ border-right: none; }
.explain-card .num{
  font-family: var(--mono);
  font-size: 12px;
  color: var(--blue-deep);
  letter-spacing: 0.1em;
}
.explain-card h3{
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 600;
  margin: 10px 0 8px;
}
.explain-card p{
  font-size: 14.5px;
  color: var(--ink-soft);
  line-height: 1.55;
  margin:0;
}
@media (max-width: 760px){
  .explain-grid{ grid-template-columns: 1fr; }
  .explain-card{ border-right: none; border-bottom: 1px solid var(--paper-line); }
  .explain-card:last-child{ border-bottom: none; }
}

/* ---------- definition list / faq style ---------- */
.def-list{
  display:grid;
  grid-template-columns: 220px 1fr;
  gap: 22px 32px;
}
.def-list dt{
  font-family: var(--mono);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
  padding-top: 4px;
}
.def-list dd{
  margin:0;
  font-size: 15.5px;
  line-height: 1.65;
  border-left: 1px solid var(--paper-line);
  padding-left: 22px;
}
@media (max-width: 700px){
  .def-list{ grid-template-columns: 1fr; }
  .def-list dd{ margin-bottom: 6px; }
}

/* ---------- guarantees ---------- */
.guarantee-row{
  display:flex;
  gap: 18px;
  padding: 18px 0;
  border-bottom: 1px solid var(--paper-line);
  align-items: flex-start;
}
.guarantee-row:first-child{ border-top: 1px solid var(--paper-line); }
.guarantee-row .g-name{
  width: 220px;
  flex-shrink: 0;
  font-weight: 600;
  font-size: 15.5px;
}
.guarantee-row .g-desc{
  color: var(--ink-soft);
  font-size: 14.5px;
  line-height: 1.55;
}
@media (max-width: 700px){
  .guarantee-row{ flex-direction: column; gap: 6px; }
  .guarantee-row .g-name{ width: auto; }
}

/* ---------- partners ---------- */
.partners-band{
  background: var(--navy);
  color: var(--white);
  padding: 56px 0;
}
.partners-band .tag{ color: var(--blue); }
.partners-band .tag::before{ background: var(--blue); }
.partners-band h2{
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 600;
  color: var(--white);
  margin: 12px 0 30px;
  max-width: 560px;
}
.partner-list{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}
.partner-card{
  border: 1px solid rgba(255,255,255,0.18);
  padding: 22px 24px;
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 16px;
}
.partner-card .p-name{
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 600;
}
.partner-card .p-desc{
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  text-align: right;
}
.partner-card .partner-logo{
  height: 34px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
}
.partner-card--light{
  background: var(--white);
  border-color: var(--paper-line);
  border-radius: var(--radius);
}
.partner-card--light .p-desc{
  color: var(--ink-soft);
}
@media (max-width: 700px){
  .partner-list{ grid-template-columns: 1fr; }
  .partner-card{ flex-wrap: wrap; }
}

/* ---------- stats strip ---------- */
.stats-strip{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid var(--paper-line);
  background: var(--white);
}
.stat{
  padding: 30px 26px;
  border-right: 1px solid var(--paper-line);
}
.stat:last-child{ border-right: none; }
.stat .stat-num{
  font-family: var(--serif);
  font-size: 38px;
  font-weight: 600;
  color: var(--blue-deep);
  line-height:1;
}
.stat .stat-label{
  margin-top: 8px;
  font-size: 13.5px;
  color: var(--ink-soft);
}
@media (max-width: 700px){
  .stats-strip{ grid-template-columns: 1fr; }
  .stat{ border-right:none; border-bottom: 1px solid var(--paper-line); }
  .stat:last-child{ border-bottom:none; }
}

/* ---------- review banner ---------- */
.review-banner{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  background: var(--white);
  border: 1px solid var(--paper-line);
  padding: 26px 30px;
}
.review-banner .stars{
  color: var(--gold);
  font-size: 18px;
  letter-spacing: 2px;
}
.review-banner p{ margin: 6px 0 0; color: var(--ink-soft); font-size: 14.5px; }
.review-banner a{
  font-weight: 600;
  font-size: 14.5px;
}

/* ---------- final CTA ---------- */
.cta-final{
  background: var(--ink);
  color: var(--white);
  text-align:center;
  padding: 72px 0;
}
.cta-final .tag{ color: var(--blue); justify-content: center; }
.cta-final .tag::before{ background: var(--blue); }
.cta-final h2{
  font-family: var(--serif);
  font-size: clamp(28px, 4vw, 40px);
  margin: 14px 0 22px;
}
.cta-final .btn-primary{
  background: var(--coral);
  font-size: 16px;
  padding: 15px 30px;
}
.cta-final .btn-primary:hover{ background: var(--white); color: var(--ink); }

/* ---------- footer ---------- */
footer{
  background: var(--navy);
  color: rgba(255,255,255,0.72);
  padding: 48px 0 28px;
  font-size: 14px;
}
footer .foot-grid{
  display:grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 32px;
}
footer h4{
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin: 0 0 14px;
}
footer p, footer a{ color: rgba(255,255,255,0.78); line-height: 1.7; }
footer a:hover{ color: var(--blue); }
footer .foot-bottom{
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 20px;
  display:flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
}
@media (max-width: 760px){
  footer .foot-grid{ grid-template-columns: 1fr; gap: 26px; }
}

/* ---------- generic page header (sub-pages) ---------- */
.page-head{
  padding: 56px 0 40px;
  border-bottom: 1px solid var(--paper-line);
}
.page-head h1{
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(30px, 4vw, 44px);
  margin: 14px 0 12px;
}
.page-head p{
  color: var(--ink-soft);
  max-width: 560px;
  font-size: 16px;
  line-height: 1.6;
}

/* ---------- about / team ---------- */
.team-card{
  display:grid;
  grid-template-columns: 220px 1fr;
  gap: 32px;
  background: var(--white);
  border: 1px solid var(--paper-line);
  padding: 30px;
  align-items: start;
}
.team-card img{
  border-radius: var(--radius);
  width: 100%;
}
.team-card h3{
  font-family: var(--serif);
  font-size: 22px;
  margin: 0 0 4px;
}
.team-card .role{
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--blue-deep);
  margin-bottom: 14px;
  display:block;
}
.team-card p{ color: var(--ink-soft); line-height: 1.65; font-size: 15px; }
.team-card .contact-line{
  margin-top: 16px;
  font-size: 14.5px;
  color: var(--ink);
}
.team-card .contact-line a{ font-weight: 600; }
@media (max-width: 600px){
  .team-card{ grid-template-columns: 1fr; }
  .team-card img{ max-width: 180px; }
}

/* ---------- timeline ---------- */
.timeline{
  border-left: 1px solid var(--paper-line);
  padding-left: 28px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.timeline-item{ position: relative; }
.timeline-item::before{
  content:"";
  position:absolute;
  left: -34px;
  top: 4px;
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--blue-deep);
  border: 2px solid var(--paper);
}
.timeline-item .t-year{
  font-family: var(--mono);
  font-size: 13px;
  color: var(--blue-deep);
  letter-spacing: 0.06em;
}
.timeline-item h4{
  font-family: var(--serif);
  font-size: 18px;
  margin: 4px 0 6px;
}
.timeline-item p{
  color: var(--ink-soft);
  font-size: 14.5px;
  line-height: 1.6;
  margin:0;
  max-width: 560px;
}

/* ---------- contact / info page ---------- */
.contact-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.contact-card{
  background: var(--white);
  border: 1px solid var(--paper-line);
  padding: 28px;
}
.contact-card h3{
  font-family: var(--serif);
  font-size: 19px;
  margin: 0 0 14px;
}
.contact-card .line{
  display:flex;
  gap: 10px;
  padding: 9px 0;
  border-top: 1px solid var(--paper-line);
  font-size: 14.5px;
}
.contact-card .line:first-of-type{ border-top:none; }
.contact-card .line .k{
  font-family: var(--mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-soft);
  width: 80px;
  flex-shrink:0;
  padding-top: 2px;
}
@media (max-width: 700px){
  .contact-grid{ grid-template-columns: 1fr; }
}

.legal-block{
  background: var(--white);
  border: 1px solid var(--paper-line);
  padding: 30px;
  margin-top: 28px;
}
.legal-block dl{
  display:grid;
  grid-template-columns: 200px 1fr;
  gap: 14px 24px;
  margin:0;
}
.legal-block dt{
  font-family: var(--mono);
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-soft);
}
.legal-block dd{ margin:0; font-size: 14.5px; }
@media (max-width: 600px){
  .legal-block dl{ grid-template-columns: 1fr; }
}