/* ============================================================
   APEX INSURANCE — Global Stylesheet
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --purple:      #6B3FA0;
  --raspberry:   #8B2252;
  --orange:      #CC5015;
  --peach:       #C85A2A;
  --slate:       #4A5163;
  --yellow:      #ffc056;
  --purple2:     #5B3090;
  --bordeaux:    #7A1E42;
  --purple3:     #5A2D82;
  --shadow-col:  #3D1A6E;
  --white:       #ffffff;
  --text-dark:   #1a1a1a;
  --text-muted:  #555555;
  --bg-light:    #f7f5fb;
  --radius-card: 18px;
  --radius-btn:  6px;
  --transition:  0.18s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', Arial, sans-serif;
  color: var(--text-dark);
  background: #fff;
  font-size: 15px;
  line-height: 1.6;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ============================================================
   TOPBAR
   ============================================================ */
.topbar {
  background: var(--purple);
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 6px;
}
.topbar a {
  color: #fff;
  font-size: 13px;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: opacity var(--transition);
}
.topbar a:hover { opacity: 0.8; }
.topbar svg { width: 14px; height: 14px; fill: #fff; flex-shrink: 0; }

/* ============================================================
   NAV
   ============================================================ */
.site-nav {
  background: #fff;
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 16px;
}
.nav-logo {
  font-size: 22px;
  font-weight: 800;
  color: var(--purple);
  letter-spacing: -0.5px;
  white-space: nowrap;
}
.nav-logo span { color: var(--raspberry); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
  list-style: none;
  flex-wrap: nowrap;
}
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-dark);
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color var(--transition), border-color var(--transition);
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--purple);
  border-bottom-color: var(--purple);
}

/* Boutons nav */
.nav-btn-group {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.btn-nav-pay {
  background: var(--purple);
  color: #fff !important;
  padding: 9px 18px;
  border-radius: var(--radius-btn);
  font-size: 14px;
  font-weight: 600;
  border-bottom: none !important;
  white-space: nowrap;
  transition: background var(--transition) !important;
}
.btn-nav-pay:hover { background: var(--raspberry) !important; }

.btn-nav-register {
  background: var(--raspberry);
  color: #fff !important;
  padding: 9px 18px;
  border-radius: var(--radius-btn);
  font-size: 14px;
  font-weight: 600;
  border-bottom: none !important;
  white-space: nowrap;
  transition: background var(--transition) !important;
}
.btn-nav-register:hover { background: var(--bordeaux) !important; }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
  flex-shrink: 0;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

/* Mobile menu ouvert */
.nav-mobile-menu {
  display: none;
  flex-direction: column;
  background: #fff;
  border-top: 1px solid #eee;
  padding: 16px 20px 20px;
  gap: 4px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}
.nav-mobile-menu a {
  display: block;
  padding: 10px 0;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-dark);
  border-bottom: 1px solid #f0f0f0;
  transition: color var(--transition);
}
.nav-mobile-menu a:hover { color: var(--purple); }
.nav-mobile-menu a.active { color: var(--purple); }
.nav-mobile-menu .mobile-btn-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 12px;
}
.nav-mobile-menu .btn-nav-pay,
.nav-mobile-menu .btn-nav-register {
  display: block;
  text-align: center;
  padding: 12px;
}
.nav-mobile-menu.open { display: flex; }

/* ============================================================
   CONTAINER
   ============================================================ */
.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--purple) 0%, var(--raspberry) 100%);
  min-height: 480px;
  display: flex;
  align-items: center;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: 40%;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  pointer-events: none;
}
.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 60px 20px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 40px;
  position: relative;
  z-index: 1;
  width: 100%;
}
.hero-text h1 {
  font-size: 46px;
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 18px;
  letter-spacing: -1px;
}
.hero-text h1 span { color: #f5c842; }
.hero-text p {
  font-size: 16px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 28px;
  max-width: 440px;
  line-height: 1.65;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

.btn-hero-primary {
  background: #fff;
  color: var(--purple);
  font-weight: 700;
  font-size: 14px;
  padding: 13px 28px;
  border-radius: var(--radius-btn);
  transition: background var(--transition), transform var(--transition);
  display: inline-block;
}
.btn-hero-primary:hover { background: #f0e8ff; transform: translateY(-1px); }

.btn-hero-outline {
  border: 2px solid rgba(255,255,255,0.7);
  color: #fff;
  font-weight: 600;
  font-size: 14px;
  padding: 11px 24px;
  border-radius: var(--radius-btn);
  transition: border-color var(--transition), background var(--transition);
  display: inline-block;
}
.btn-hero-outline:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

.hero-visual { display: flex; justify-content: flex-end; }
.hero-badge-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.hero-badge {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 14px;
  padding: 18px 16px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
  color: #fff;
  backdrop-filter: blur(4px);
}
.hero-badge svg { width: 32px; height: 32px; fill: rgba(255,255,255,0.9); }
.hero-badge strong { font-size: 13px; font-weight: 600; }
.hero-badge span { font-size: 11px; color: rgba(255,255,255,0.7); }

/* ============================================================
   SECTION GENERIQUE
   ============================================================ */
.section-head {
  text-align: center;
  padding: 56px 20px 36px;
}
.section-head h2 {
  font-size: 32px;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}
.section-head p {
  font-size: 15px;
  color: var(--text-muted);
  max-width: 500px;
  margin: 0 auto;
}
.section-head .accent-line {
  width: 48px;
  height: 4px;
  background: var(--purple);
  border-radius: 2px;
  margin: 12px auto 0;
}

/* ============================================================
   CARDS
   ============================================================ */
.cards-section { background: var(--bg-light); padding-bottom: 60px; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  padding: 0 20px 20px;
  max-width: 1100px;
  margin: 0 auto;
}

.card-wrap {
  position: relative;
  border-radius: var(--radius-card);
}
.card-wrap::after {
  content: '';
  position: absolute;
  left: 6px;
  right: 6px;
  bottom: -8px;
  height: 18px;
  border-radius: 0 0 var(--radius-card) var(--radius-card);
  background: var(--shadow-col);
  z-index: 0;
}
.card {
  border-radius: var(--radius-card);
  padding: 20px 18px 18px;
  display: flex;
  flex-direction: column;
  height: 260px;
  position: relative;
  z-index: 1;
  transition: transform var(--transition);
  cursor: default;
}
.card-wrap:hover .card { transform: translateY(-4px); }
.card-wrap:hover::after { bottom: -4px; }

/* Couleurs */
.c-raspberry { background: #8B2252; }
.c-purple    { background: #6B3FA0; }
.c-peach     { background: #C85A2A; }
.c-slate     { background: #4A5163; }
.c-yellow    { background: #ffc056; }
.c-purple2   { background: #5B3090; }
.c-bordeaux  { background: #7A1E42; }
.c-purple3   { background: #5A2D82; }
.c-orange2   { background: #CC5015; }

.card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 16px;
  gap: 8px;
}
.card-title {
  font-size: 21px;
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  flex: 1;
}
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(255,255,255,0.20);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.card-icon svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: #fff;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.card-desc {
  font-size: 12.5px;
  color: rgba(255,255,255,0.90);
  line-height: 1.55;
  flex: 1;
  margin-bottom: 14px;
  overflow: hidden;
}
.btn-card {
  display: inline-block;
  border: 2px solid #fff;
  background: transparent;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  padding: 8px 18px;
  border-radius: var(--radius-btn);
  cursor: pointer;
  transition: background var(--transition);
  align-self: flex-start;
  margin-bottom: 8px;
}
.btn-card:hover { background: rgba(255,255,255,0.18); }
.card-more {
  font-size: 12px;
  color: rgba(255,255,255,0.82);
  transition: color var(--transition);
}
.card-more:hover { color: #fff; text-decoration: underline; }

/* ============================================================
   WHY US
   ============================================================ */
.why-section { padding: 70px 20px; background: #fff; }
.why-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-text h2 {
  font-size: 30px;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}
.why-text p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 20px;
}
.btn-why {
  display: inline-block;
  background: var(--purple);
  color: #fff;
  font-weight: 600;
  font-size: 14px;
  padding: 11px 26px;
  border-radius: var(--radius-btn);
  transition: background var(--transition);
}
.btn-why:hover { background: var(--raspberry); }
.why-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.why-item {
  background: var(--bg-light);
  border-radius: 12px;
  padding: 18px 16px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.why-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--purple);
  flex-shrink: 0;
  margin-top: 5px;
}
.why-item p {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text-dark);
  margin: 0;
  line-height: 1.4;
}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.trust-strip { background: var(--purple); padding: 40px 20px; }
.trust-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 24px;
  text-align: center;
}
.trust-stat strong {
  display: block;
  font-size: 32px;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}
.trust-stat span {
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  margin-top: 4px;
  display: block;
}
.trust-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,0.2);
}

/* ============================================================
   PAGE INTERNE — HERO SIMPLE
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--purple) 0%, var(--raspberry) 100%);
  padding: 60px 20px;
  text-align: center;
}
.page-hero h1 {
  font-size: 38px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 12px;
  letter-spacing: -0.5px;
}
.page-hero p {
  font-size: 16px;
  color: rgba(255,255,255,0.85);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.65;
}

/* Breadcrumb */
.breadcrumb {
  max-width: 1100px;
  margin: 0 auto;
  padding: 14px 20px;
  font-size: 13px;
  color: var(--text-muted);
  display: flex;
  gap: 6px;
  align-items: center;
}
.breadcrumb a { color: var(--purple); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: #ccc; }

/* ============================================================
   PAGE INTERNE — CONTENU
   ============================================================ */
.page-content {
  max-width: 1100px;
  margin: 0 auto;
  padding: 50px 20px 80px;
}
.page-content h2 {
  font-size: 26px;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}
.page-content h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin: 28px 0 10px;
}
.page-content p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 16px;
}
.page-content ul {
  list-style: none;
  margin-bottom: 20px;
}
.page-content ul li {
  padding: 6px 0 6px 22px;
  position: relative;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.6;
}
.page-content ul li::before {
  content: '';
  position: absolute;
  left: 0; top: 14px;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--purple);
}

/* Feature grid (pages produit) */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  margin: 32px 0;
}
.feature-card {
  background: var(--bg-light);
  border-radius: 14px;
  padding: 24px 20px;
  border-left: 4px solid var(--purple);
}
.feature-card h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.feature-card p {
  font-size: 13.5px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}

/* CTA banner inline */
.cta-banner {
  background: linear-gradient(135deg, var(--purple), var(--raspberry));
  border-radius: 16px;
  padding: 40px 32px;
  text-align: center;
  margin: 48px 0;
}
.cta-banner h3 {
  font-size: 24px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 10px;
}
.cta-banner p {
  color: rgba(255,255,255,0.85);
  margin-bottom: 24px;
  font-size: 15px;
}
.btn-cta-white {
  display: inline-block;
  background: #fff;
  color: var(--purple);
  font-weight: 700;
  font-size: 14px;
  padding: 12px 28px;
  border-radius: var(--radius-btn);
  transition: background var(--transition), transform var(--transition);
}
.btn-cta-white:hover { background: #f0e8ff; transform: translateY(-1px); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: #1a1a2e;
  color: #ccc;
  padding: 56px 20px 28px;
}
.footer-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo {
  font-size: 22px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 14px;
}
.footer-brand .logo span { color: #f5c842; }
.footer-brand p {
  font-size: 13px;
  line-height: 1.65;
  color: rgba(255,255,255,0.55);
  margin-bottom: 6px;
  max-width: 260px;
}
.footer-brand a.footer-email {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}
.footer-brand a.footer-email:hover { color: #fff; }

.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--transition), border-color var(--transition);
}
.footer-social a:hover { background: var(--purple); border-color: var(--purple); }
.footer-social svg { width: 16px; height: 16px; fill: rgba(255,255,255,0.7); }

.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 9px; }
.footer-col a {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}
.footer-col a:hover { color: #fff; }

.footer-bottom {
  max-width: 1100px;
  margin: 24px auto 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  color: rgba(255,255,255,0.3);
  flex-wrap: wrap;
  gap: 10px;
}
.footer-bottom a { color: rgba(255,255,255,0.4); transition: color var(--transition); }
.footer-bottom a:hover { color: #fff; }

/* ============================================================
   STICKY PHONE
   ============================================================ */
.sticky-phone {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--raspberry);
  color: #fff;
  padding: 12px 20px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 20px rgba(139,34,82,0.45);
  z-index: 200;
  transition: background var(--transition), transform var(--transition);
}
.sticky-phone:hover { background: var(--bordeaux); transform: translateY(-2px); }
.sticky-phone svg { width: 16px; height: 16px; fill: #fff; }

/* ============================================================
   UTILITAIRES
   ============================================================ */
.text-center { text-align: center; }
.mt-0  { margin-top: 0; }
.mb-32 { margin-bottom: 32px; }
.pb-80 { padding-bottom: 80px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .nav-links, .nav-btn-group { display: none; }
  .nav-hamburger { display: flex; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-text h1 { font-size: 34px; }
  .why-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .trust-divider { display: none; }
  .page-hero h1 { font-size: 28px; }
}
@media (max-width: 520px) {
  .card-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-text h1 { font-size: 28px; }
  .why-list { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 28px 20px; }
}