/* ==========================================================================
   COASSURANCE.FR — Feuille de style principale
   Site institutionnel statique B2B. Mobile-first, sans dépendance externe.
   Palette : bleu nuit institutionnel + accent doré. Photographie réelle.
   ========================================================================== */

/* --- 1. Variables -------------------------------------------------------- */
:root {
  --navy:        #0a2540;
  --navy-900:    #061525;
  --navy-700:    #143a5c;
  --navy-600:    #1d4e78;
  --blue:        #2563a8;
  --blue-light:  #e8f0f9;
  --gold:        #c8a04b;
  --gold-dark:   #a9842f;
  --ink:         #1a2230;
  --ink-soft:    #4a5568;
  --line:        #e3e7ed;
  --bg:          #ffffff;
  --bg-soft:     #f5f7fa;
  --white:       #ffffff;

  --font-sans: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;

  --maxw: 1200px;
  --radius: 8px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(10, 37, 64, .07);
  --shadow:    0 10px 30px rgba(10, 37, 64, .12);
  --shadow-lg: 0 24px 60px rgba(10, 37, 64, .20);
  --gap: clamp(1rem, 2.5vw, 2rem);
}

/* --- 2. Reset ------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--font-sans); color: var(--ink);
  background: var(--bg); line-height: 1.65; font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.18; font-weight: 700; margin: 0 0 .55em; letter-spacing: -.01em; }
p { margin: 0 0 1.1em; }
ul { margin: 0 0 1.1em; padding-left: 1.2em; }

/* --- 3. Utilitaires ------------------------------------------------------ */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: clamp(1.1rem, 4vw, 2rem); }
.section { padding-block: clamp(3.2rem, 7vw, 6rem); }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: #c6d3e2; }
.section--navy h2, .section--navy h3 { color: #fff; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-dark); margin-bottom: .9rem;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); }
.section--navy .eyebrow { color: var(--gold); }
.lead { font-size: 1.18rem; color: var(--ink-soft); max-width: 64ch; }
.section--navy .lead { color: #aebfd2; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.center .eyebrow { justify-content: center; }
.text-balance { text-wrap: balance; }

/* Boutons */
.btn {
  display: inline-flex; align-items: center; gap: .55rem; font-weight: 700;
  font-size: 1rem; line-height: 1; padding: .95rem 1.7rem; border-radius: var(--radius);
  border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn--gold { background: var(--gold); color: var(--navy); box-shadow: var(--shadow-sm); }
.btn--gold:hover { background: var(--gold-dark); color: #fff; box-shadow: var(--shadow); }
.btn--primary { background: var(--blue); color: #fff; }
.btn--primary:hover { background: var(--navy-600); }
.btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,.10); }
.btn--outline { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn--outline:hover { background: var(--blue); color: #fff; }
.btn .arrow { transition: transform .15s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* --- 4. Bandeau d'annonce + en-tête -------------------------------------- */
.topbar {
  background: var(--navy-900); color: #aebfd2; font-size: .85rem;
  text-align: center; padding: .5rem 1rem;
}
.topbar strong { color: #fff; }
.topbar .gold { color: var(--gold); }

.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94);
  backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 74px; }
.brand { display: flex; align-items: center; gap: .7rem; font-weight: 800; color: var(--navy); font-size: 1.24rem; }
.brand:hover { text-decoration: none; }
.brand .mark {
  width: 38px; height: 38px; border-radius: 8px; flex: none;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: grid; place-items: center; color: #fff; font-weight: 800; font-size: 1.1rem;
}
.brand small { display: block; font-size: .62rem; font-weight: 600; letter-spacing: .15em; color: var(--gold-dark); text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: .25rem; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--navy); font-weight: 600; font-size: .97rem; padding: .55rem .85rem; border-radius: 6px; }
.nav-links a:hover { background: var(--blue-light); text-decoration: none; }
.nav-links .nav-cta { background: var(--gold); color: var(--navy); margin-left: .45rem; }
.nav-links .nav-cta:hover { background: var(--gold-dark); color: #fff; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: .4rem; flex-direction: column; gap: 5px; }
.nav-toggle span { width: 26px; height: 2px; background: var(--navy); border-radius: 2px; transition: .2s; }

/* --- 5. Hero institutionnel (split texte + photo) ------------------------ */
.hero { background: var(--navy); color: #d6e0ec; overflow: hidden; }
.hero-split { display: grid; grid-template-columns: 1.05fr 1fr; align-items: stretch; }
.hero-copy {
  padding: clamp(3rem, 6vw, 5.5rem) clamp(1.5rem, 5vw, 4rem);
  display: flex; flex-direction: column; justify-content: center;
  background:
    radial-gradient(700px 360px at 0% 0%, rgba(37,99,168,.35), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-900) 100%);
  max-width: 640px; margin-left: auto; width: 100%;
}
.hero-copy h1 { color: #fff; font-size: clamp(2.1rem, 4.6vw, 3.25rem); margin-bottom: .5em; }
.hero-copy h1 .hl { color: var(--gold); }
.hero-sub { font-size: 1.2rem; color: #aebfd2; max-width: 52ch; margin-bottom: 1.9rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .9rem; margin-bottom: 1.8rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1rem 1.6rem; font-size: .92rem; color: #93a7bf; }
.hero-trust span { display: inline-flex; align-items: center; gap: .45rem; }
.hero-trust .tick { color: var(--gold); font-weight: 800; }
.hero-media { position: relative; min-height: 420px; }
.hero-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--navy) 0%, transparent 22%); }
.hero-badge {
  position: absolute; left: 1.4rem; bottom: 1.4rem; z-index: 2;
  background: rgba(255,255,255,.96); border-radius: var(--radius-lg); padding: 1rem 1.2rem;
  box-shadow: var(--shadow); display: flex; align-items: center; gap: .9rem; max-width: 280px;
}
.hero-badge .b-num { font-size: 1.7rem; font-weight: 800; color: var(--navy); line-height: 1; }
.hero-badge .b-txt { font-size: .85rem; color: var(--ink-soft); line-height: 1.4; }

/* Bandeau logos / confiance sous hero */
.trustbar { border-bottom: 1px solid var(--line); background: var(--white); }
.trustbar .container { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 2.4rem; justify-content: center; padding-block: 1.2rem; }
.trustbar .t-label { font-size: .8rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-soft); }
.trustbar .chip { font-weight: 700; color: var(--navy-700); font-size: .95rem; }

/* --- 6. Grilles & cartes ------------------------------------------------- */
.grid { display: grid; gap: var(--gap); }
.grid-2 { grid-template-columns: 1fr 1fr; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* Bloc média : photo + texte */
.media-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.media-grid.reverse .media-fig { order: 2; }
.media-fig { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.media-fig img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3; }
.media-fig .accent { position: absolute; left: 0; top: 1.5rem; width: 6px; height: 64px; background: var(--gold); border-radius: 0 4px 4px 0; }

/* Encadré « à retenir » */
.define-card {
  background: var(--white); border: 1px solid var(--line); border-left: 5px solid var(--gold);
  border-radius: var(--radius-lg); padding: 1.8rem; box-shadow: var(--shadow-sm);
}
.define-card h3 { font-size: 1.1rem; }
.define-card ul { list-style: none; padding: 0; margin: 0; }
.define-card li { padding: .7rem 0 .7rem 1.9rem; position: relative; border-bottom: 1px solid var(--line); }
.define-card li:last-child { border-bottom: 0; }
.define-card li::before {
  content: ""; position: absolute; left: 0; top: 1.05rem; width: 11px; height: 11px;
  border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px var(--blue-light);
}

/* Chiffres clés */
.kpi { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.7rem 1.5rem; box-shadow: var(--shadow-sm); }
.kpi .num { font-size: 2.5rem; font-weight: 800; color: var(--navy); line-height: 1; }
.kpi .num em { color: var(--gold-dark); font-style: normal; }
.kpi .label { font-weight: 700; color: var(--navy); margin: .6rem 0 .2rem; }
.kpi p { margin: 0; font-size: .95rem; color: var(--ink-soft); }

/* Carte article */
.card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .18s ease; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card .card-top { height: 6px; background: linear-gradient(90deg, var(--blue), var(--gold)); }
.card-body { padding: 1.4rem 1.4rem 1.5rem; display: flex; flex-direction: column; flex: 1; }
.card .tag { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--blue); margin-bottom: .55rem; }
.card h3 { font-size: 1.16rem; margin-bottom: .5rem; }
.card h3 a { color: var(--navy); }
.card h3 a:hover { color: var(--blue); text-decoration: none; }
.card p { font-size: .94rem; color: var(--ink-soft); margin-bottom: 1.1rem; }
.card .more { margin-top: auto; font-weight: 700; font-size: .92rem; color: var(--blue); }

/* Bande équipe (photos avec légende) */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--gap); }
.team-fig { border-radius: var(--radius-lg); overflow: hidden; position: relative; box-shadow: var(--shadow-sm); }
.team-fig img { width: 100%; height: 280px; object-fit: cover; transition: transform .4s ease; }
.team-fig:hover img { transform: scale(1.04); }
.team-fig figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; color: #fff; padding: 1.4rem 1.2rem .9rem;
  background: linear-gradient(transparent, rgba(6,21,37,.85)); font-weight: 600; font-size: .98rem;
}

/* --- 7. Étapes numérotées ------------------------------------------------ */
.steps { display: grid; gap: 1.2rem; grid-template-columns: repeat(4, 1fr); }
.step .n { width: 46px; height: 46px; border-radius: 50%; background: var(--blue-light); color: var(--navy); display: grid; place-items: center; font-weight: 800; font-size: 1.2rem; margin-bottom: .85rem; border: 2px solid var(--blue); }
.step h3 { font-size: 1.05rem; margin-bottom: .3rem; }
.step p { font-size: .93rem; color: var(--ink-soft); margin: 0; }

/* --- 8. Bande institutionnelle (photo de fond) -------------------------- */
.cover {
  position: relative; color: #fff; border-radius: var(--radius-lg); overflow: hidden;
  display: grid; align-items: center; min-height: 420px;
}
.cover img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.cover::after { content: ""; position: absolute; inset: 0; background: linear-gradient(105deg, rgba(6,21,37,.92) 0%, rgba(6,21,37,.62) 55%, rgba(6,21,37,.25) 100%); }
.cover .cover-body { position: relative; z-index: 1; padding: clamp(2.4rem, 5vw, 4rem); max-width: 620px; }
.cover h2 { color: #fff; font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
.cover p { color: #c6d3e2; }
.cover .cover-stats { display: flex; flex-wrap: wrap; gap: 1.6rem 2.4rem; margin-top: 1.6rem; }
.cover .cover-stats .num { font-size: 1.9rem; font-weight: 800; color: var(--gold); line-height: 1; }
.cover .cover-stats .lbl { font-size: .88rem; color: #aebfd2; }

/* --- 9. Bandeau conversion courtiers ------------------------------------- */
.convert {
  background: radial-gradient(700px 320px at 12% 120%, rgba(200,160,75,.20), transparent 60%), linear-gradient(135deg, var(--navy-700), var(--navy));
  color: #d6e0ec; border-radius: var(--radius-lg); padding: clamp(2.2rem, 5vw, 3.6rem);
  display: grid; grid-template-columns: 1.4fr auto; gap: 2rem; align-items: center; box-shadow: var(--shadow-lg);
}
.convert h2 { color: #fff; font-size: clamp(1.6rem, 3.5vw, 2.2rem); margin-bottom: .5rem; }
.convert p { color: #aebfd2; margin: 0; max-width: 54ch; }
.convert .convert-cta { display: flex; flex-direction: column; gap: .7rem; }
.convert .micro { font-size: .85rem; color: #93a7bf; }

/* --- 10. CTA final ------------------------------------------------------- */
.final-cta { text-align: center; }
.final-cta h2 { font-size: clamp(1.8rem, 4vw, 2.6rem); }
.final-cta .hero-actions { justify-content: center; }

/* --- 11. Pied de page ---------------------------------------------------- */
.site-footer { background: var(--navy); color: #93a7bf; padding-block: 3.4rem 1.5rem; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2rem; }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 1rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .55rem; }
.site-footer a { color: #aebfd2; }
.site-footer a:hover { color: #fff; }
.footer-brand .brand { color: #fff; margin-bottom: .9rem; }
.footer-brand p { color: #8198b2; font-size: .92rem; max-width: 34ch; }
.footer-bottom { margin-top: 2.4rem; padding-top: 1.3rem; border-top: 1px solid rgba(255,255,255,.12); display: flex; flex-wrap: wrap; gap: .6rem 1.4rem; justify-content: space-between; align-items: center; font-size: .85rem; color: #6f86a1; }
.footer-bottom .links { display: flex; flex-wrap: wrap; gap: 1.2rem; }

/* --- 12. Responsive ------------------------------------------------------ */
@media (max-width: 980px) {
  .hero-split { grid-template-columns: 1fr; }
  .hero-copy { max-width: none; margin-left: 0; }
  .hero-media { min-height: 320px; order: -1; }
  .hero-media::after { background: linear-gradient(0deg, var(--navy) 0%, transparent 30%); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .convert { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .nav-links {
    position: absolute; inset: 74px 0 auto; flex-direction: column; align-items: stretch;
    background: #fff; border-bottom: 1px solid var(--line); padding: .8rem 1.1rem 1.2rem;
    gap: .25rem; box-shadow: var(--shadow); display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: .8rem .85rem; }
  .nav-links .nav-cta { margin-left: 0; text-align: center; margin-top: .4rem; }
  .nav-toggle { display: flex; }
  .grid-3, .grid-2, .media-grid, .team-grid { grid-template-columns: 1fr; }
  .media-grid.reverse .media-fig { order: 0; }
}
@media (max-width: 540px) {
  .grid-4, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions .btn { width: 100%; justify-content: center; }
}

/* --- 13. Fil d'Ariane ---------------------------------------------------- */
.breadcrumb {
  padding: .95rem clamp(1.1rem, 4vw, 2rem);
  font-size: .88rem; color: var(--ink-soft);
}
.breadcrumb a { color: var(--blue); font-weight: 600; }
.breadcrumb span { margin-inline: .35rem; color: var(--ink-soft); }

/* --- 14. Liste à coche --------------------------------------------------- */
.check-list { list-style: none; padding: 0; margin: 1.2rem 0; }
.check-list li {
  position: relative; padding: .45rem 0 .45rem 1.9rem;
  color: var(--ink); font-weight: 500;
}
.check-list li::before {
  content: "✓"; position: absolute; left: 0; top: .35rem;
  color: var(--gold-dark); font-weight: 800;
  width: 1.3rem; height: 1.3rem; border-radius: 50%;
  background: rgba(200,160,75,.15); display: grid; place-items: center;
  font-size: .8rem;
}

/* --- 15. Formulaire ------------------------------------------------------ */
.form-wrap {
  display: grid; grid-template-columns: 1fr 1.6fr; gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
}
.form-intro { padding-top: 1rem; }
.form-intro .check-list li { color: var(--ink-soft); font-weight: 500; }
.form-card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: clamp(1.6rem, 3vw, 2.4rem);
  box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem 1.2rem; }
.field { display: flex; flex-direction: column; gap: .35rem; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-weight: 600; font-size: .92rem; color: var(--navy);
}
.field .req { color: var(--gold-dark); }
.field input, .field select, .field textarea {
  width: 100%; padding: .75rem .9rem; font-family: inherit; font-size: 1rem;
  color: var(--ink); background: var(--bg-soft);
  border: 1px solid var(--line); border-radius: var(--radius);
  transition: border-color .15s ease, background .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue);
  background: #fff; box-shadow: 0 0 0 3px rgba(37,99,168,.15);
}
.field textarea { resize: vertical; min-height: 90px; }
.consent {
  display: flex; align-items: flex-start; gap: .6rem;
  font-size: .9rem; color: var(--ink-soft); font-weight: 500; cursor: pointer;
}
.consent input { width: 1.1rem; height: 1.1rem; margin-top: .25rem; accent-color: var(--gold-dark); }
.consent a { color: var(--blue); text-decoration: underline; }
.form-actions {
  margin-top: 1.4rem; padding-top: 1.4rem; border-top: 1px solid var(--line);
  display: flex; flex-wrap: wrap; align-items: center; gap: 1rem;
}
.form-actions .micro { font-size: .85rem; color: var(--ink-soft); }

/* --- 16. FAQ (details/summary) ------------------------------------------- */
.faq { max-width: 820px; margin-inline: auto; }
.faq details {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); margin-bottom: .8rem;
  box-shadow: var(--shadow-sm); overflow: hidden;
  transition: box-shadow .15s ease;
}
.faq details[open] { box-shadow: var(--shadow); border-color: var(--blue-light); }
.faq summary {
  padding: 1.1rem 1.3rem; cursor: pointer; font-weight: 700; color: var(--navy);
  font-size: 1.04rem; list-style: none; display: flex; align-items: center;
  justify-content: space-between; gap: 1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; color: var(--gold-dark); font-size: 1.5rem; font-weight: 400;
  transition: transform .2s ease; line-height: 1;
}
.faq details[open] summary::after { content: "−"; }
.faq details > *:not(summary) { padding: 0 1.3rem 1.2rem; margin: 0; color: var(--ink-soft); }

/* --- 17. Article (gabarit T3) -------------------------------------------- */
.article-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-900) 100%);
  color: #d6e0ec; padding-block: clamp(2.5rem, 5vw, 4rem);
}
.article-hero .container { max-width: 900px; }
.article-hero h1 {
  color: #fff; font-size: clamp(1.9rem, 4vw, 2.8rem); margin-bottom: 1rem;
}
.article-hero .meta {
  font-size: .88rem; color: #93a7bf;
  display: flex; flex-wrap: wrap; gap: 1rem; align-items: center;
}
.article-hero .meta span::before { content: "•"; margin-right: .8rem; color: var(--gold); }
.article-hero .meta span:first-child::before { display: none; margin: 0; }

.article-body {
  max-width: 780px; margin-inline: auto;
  padding-inline: clamp(1.1rem, 4vw, 2rem);
  padding-block: clamp(2.5rem, 5vw, 4rem);
}
.article-body h2 {
  font-size: 1.6rem; margin-top: 2.4rem; margin-bottom: .8rem;
  color: var(--navy);
}
.article-body h2:first-child { margin-top: 0; }
.article-body h3 { font-size: 1.2rem; margin-top: 1.8rem; }
.article-body p { font-size: 1.05rem; line-height: 1.75; color: var(--ink); }
.article-body strong { color: var(--navy); }

.article-cta {
  background: linear-gradient(135deg, var(--navy-700), var(--navy));
  color: #d6e0ec; border-radius: var(--radius-lg);
  padding: 1.8rem 2rem; margin-top: 2.5rem;
  display: flex; flex-wrap: wrap; gap: 1.5rem;
  align-items: center; justify-content: space-between;
}
.article-cta h3 { color: #fff; margin: 0 0 .3rem; font-size: 1.2rem; }
.article-cta p { margin: 0; color: #aebfd2; font-size: .95rem; max-width: 40ch; }

.related {
  background: var(--bg-soft); padding-block: clamp(2.5rem, 5vw, 4rem);
  border-top: 1px solid var(--line);
}
.related .container { max-width: 1000px; }
.related h2 {
  font-size: 1.4rem; text-align: center; margin-bottom: 1.8rem;
}
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }

/* --- 18. Sommaire de rubrique -------------------------------------------- */
.rubric-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-900) 100%);
  color: #d6e0ec; padding-block: clamp(3rem, 6vw, 4.5rem);
}
.rubric-hero .container { max-width: 900px; text-align: center; }
.rubric-hero h1 { color: #fff; font-size: clamp(2rem, 4.5vw, 3rem); }
.rubric-hero .lead { color: #aebfd2; margin-inline: auto; }

/* --- 19. Responsive additionnel ------------------------------------------ */
@media (max-width: 980px) {
  .form-wrap { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .form-grid { grid-template-columns: 1fr; }
  .article-cta { flex-direction: column; align-items: flex-start; }
}

a:focus-visible, .btn:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto; } }