/* ============ TOKENS ============ */
  :root{
    --navy:#0B132B;
    --navy-deep:#070C1A;
    --white:#FFFFFF;
    --grey-tech:#F4F6F9;
    --accent:#F2A900;
    --accent-ink:#3D2B00;

    --text:#1C2541;
    --text-muted:#555E80;
    --bg:#FFFFFF;
    --bg-alt:#F4F6F9;
    --surface:#FFFFFF;
    --line:rgba(11,19,43,0.13);
    --line-strong:rgba(11,19,43,0.24);
    --glass-a:#EAF1FB;
    --glass-b:#FFFFFF;
    --shadow:0 1px 2px rgba(11,19,43,0.07), 0 10px 30px -14px rgba(11,19,43,0.18);
  }
  @media (prefers-color-scheme: dark){
    :root:not([data-theme="light"]){
      --navy:#070C1A;
      --navy-deep:#04070E;
      --text:#E7EAF2;
      --text-muted:#9BA3C2;
      --bg:#10172B;
      --bg-alt:#0C1324;
      --surface:#121A33;
      --line:rgba(231,234,242,0.14);
      --line-strong:rgba(231,234,242,0.26);
      --glass-a:#1A2744;
      --glass-b:#0F1830;
      --shadow:0 1px 2px rgba(0,0,0,0.5), 0 10px 30px -14px rgba(0,0,0,0.6);
    }
  }
  :root[data-theme="dark"]{
    --navy:#070C1A;
    --navy-deep:#04070E;
    --text:#E7EAF2;
    --text-muted:#9BA3C2;
    --bg:#10172B;
    --bg-alt:#0C1324;
    --surface:#121A33;
    --line:rgba(231,234,242,0.14);
    --line-strong:rgba(231,234,242,0.26);
    --glass-a:#1A2744;
    --glass-b:#0F1830;
    --shadow:0 1px 2px rgba(0,0,0,0.5), 0 10px 30px -14px rgba(0,0,0,0.6);
  }
  :root[data-theme="light"]{
    --navy:#0B132B; --navy-deep:#070C1A; --text:#1C2541; --text-muted:#555E80;
    --bg:#FFFFFF; --bg-alt:#F4F6F9; --surface:#FFFFFF;
    --line:rgba(11,19,43,0.13); --line-strong:rgba(11,19,43,0.24);
    --glass-a:#EAF1FB; --glass-b:#FFFFFF;
    --shadow:0 1px 2px rgba(11,19,43,0.07), 0 10px 30px -14px rgba(11,19,43,0.18);
  }

  /* ============ BASE ============ */
  *,*::before,*::after{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *,*::before,*::after{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important;}
  }
  body{
    margin:0;
    background:var(--bg);
    color:var(--text);
    font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
    font-size:16px;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3,h4{
    font-family:"Archivo","Inter",sans-serif;
    font-weight:800;
    color:var(--text);
    margin:0;
    text-wrap:balance;
    letter-spacing:-0.01em;
  }
  p{margin:0;}
  a{color:inherit;}
  img,svg{display:block;max-width:100%;}
  button{font:inherit;color:inherit;}
  :focus-visible{outline:2.5px solid var(--accent); outline-offset:3px; border-radius:2px;}

  .wrap{max-width:1180px; margin-inline:auto; padding-inline:clamp(20px,4vw,48px);}
  .eyebrow{
    display:inline-flex; align-items:center; gap:8px;
    font-family:"Archivo",sans-serif; font-weight:700; font-size:0.78rem;
    letter-spacing:0.12em; text-transform:uppercase; color:var(--text-muted);
  }
  .eyebrow::before{content:""; width:18px; height:2px; background:var(--accent); display:block;}
  section{scroll-margin-top:84px;}

  /* buttons */
  .btn{
    display:inline-flex; align-items:center; justify-content:center; gap:10px;
    font-family:"Archivo",sans-serif; font-weight:700; font-size:0.98rem;
    padding:15px 26px; border-radius:6px; border:1.5px solid transparent;
    cursor:pointer; text-decoration:none; white-space:nowrap;
    transition:transform 0.3s ease, box-shadow 0.3s ease, background-color 0.3s ease, border-color 0.3s ease, color 0.3s ease;
  }
  .btn-primary{background:var(--accent); color:var(--accent-ink);}
  .btn-primary:hover{transform:translateY(-2px); box-shadow:0 10px 22px -10px rgba(242,169,0,0.55);}
  .btn-ghost-dark{background:transparent; color:var(--white); border-color:rgba(255,255,255,0.35);}
  .btn-ghost-dark:hover{background:rgba(255,255,255,0.08); border-color:rgba(255,255,255,0.6);}
  .btn-outline{background:transparent; color:var(--text); border-color:var(--line-strong);}
  .btn-outline:hover{border-color:var(--navy); background:var(--bg-alt);}
  .btn-block{width:100%;}
  .btn[disabled]{opacity:0.45; cursor:not-allowed;}
  .btn svg{flex:none;}

  /* ============ HEADER ============ */
  header.site{
    position:sticky; top:0; z-index:50;
    background:var(--navy);
    border-bottom:1px solid rgba(255,255,255,0.08);
  }
  .site-inner{
    max-width:1180px; margin-inline:auto;
    display:flex; align-items:center; justify-content:space-between;
    height:76px; gap:20px;
  }
  .logo{display:flex; align-items:center; gap:10px; text-decoration:none; flex:none;}
  .logo-word{font-family:"Archivo",sans-serif; font-weight:800; font-size:1.15rem; color:var(--white); letter-spacing:0.02em; text-transform:uppercase; display:inline-flex; align-items:center; gap:9px;}
  .logo-word .lg-divider{width:1px; height:14px; background:rgba(255,255,255,0.32); display:inline-block;}
  .logo-word .lg-light{font-weight:500; opacity:0.72; letter-spacing:0.07em;}
  nav.main-nav{display:flex; align-items:center; gap:30px; flex:1; justify-content:center;}
  nav.main-nav a{
    color:rgba(255,255,255,0.82); text-decoration:none; font-size:0.94rem; font-weight:600;
    padding-block:6px; border-bottom:2px solid transparent; transition:color 0.3s ease, border-color 0.3s ease;
  }
  nav.main-nav a:hover{color:var(--white); border-color:var(--accent);}
  .header-actions{display:flex; align-items:center; gap:14px; flex:none;}
  .call-btn{
    display:inline-flex; align-items:center; gap:9px;
    background:var(--accent); color:var(--accent-ink);
    font-family:"Archivo",sans-serif; font-weight:700; font-size:0.9rem;
    padding:11px 18px; border-radius:6px; text-decoration:none;
    transition:transform 0.3s ease, box-shadow 0.3s ease;
  }
  .call-btn:hover{transform:translateY(-2px); box-shadow:0 10px 20px -10px rgba(242,169,0,0.6);}
  .call-btn small{display:block; font-family:"Inter",sans-serif; font-weight:600; font-size:0.68rem; opacity:0.75; letter-spacing:0.02em;}
  .burger{
    display:none; background:transparent; border:1px solid rgba(255,255,255,0.3); border-radius:6px;
    width:42px; height:42px; align-items:center; justify-content:center; cursor:pointer;
  }
  .mobile-panel{
    display:none; position:absolute; top:76px; left:0; right:0; background:var(--navy);
    border-bottom:1px solid rgba(255,255,255,0.1); padding:10px 20px 20px;
    flex-direction:column; gap:4px;
  }
  .mobile-panel.open{display:flex;}
  .mobile-panel a{color:rgba(255,255,255,0.88); text-decoration:none; font-weight:600; padding:12px 4px; border-bottom:1px solid rgba(255,255,255,0.08);}

  @media (max-width:880px){
    nav.main-nav{display:none;}
    .burger{display:inline-flex;}
    .header-actions .call-btn span.num{display:none;}
  }
  @media (max-width:420px){
    .header-actions .call-btn small{display:none;}
  }

  /* ============ HERO ============ */
  .hero{
    background:var(--navy); color:var(--white); position:relative; overflow:hidden;
    background-image:
      linear-gradient(0deg, var(--navy) 0%, var(--navy) 100%),
      repeating-linear-gradient(135deg, rgba(255,255,255,0.025) 0px, rgba(255,255,255,0.025) 1px, transparent 1px, transparent 46px);
  }
  .hero-inner{
    max-width:1180px; margin-inline:auto;
    display:grid; grid-template-columns:1.05fr 0.95fr; gap:56px; align-items:center;
    padding-block:72px 76px;
  }
  .hero h1{font-size:clamp(2.05rem,4.1vw,3.25rem); line-height:1.08; color:var(--white); max-width:16ch;}
  .hero-eyebrow{color:rgba(255,255,255,0.65);}
  .hero-eyebrow::before{background:var(--accent);}
  .hero p.lead{margin-top:20px; font-size:1.1rem; color:rgba(255,255,255,0.78); max-width:46ch; line-height:1.65;}
  .hero-ctas{display:flex; flex-wrap:wrap; gap:14px; margin-top:34px;}
  .hero-badge{
    margin-top:30px; display:inline-flex; align-items:center; gap:10px;
    padding:9px 14px 9px 10px; border:1px solid rgba(255,255,255,0.22); border-radius:7px;
    font-size:0.86rem; font-weight:600; color:rgba(255,255,255,0.88);
  }
  .insurers{display:flex; flex-wrap:wrap; gap:9px; margin-top:22px;}
  .insurers span{
    font-size:0.76rem; font-weight:700; letter-spacing:0.03em; color:rgba(255,255,255,0.62);
    border:1px solid rgba(255,255,255,0.16); border-radius:4px; padding:5px 10px;
  }

  /* hero visual: stat panel */
  .hero-visual{position:relative; display:flex; align-items:center; justify-content:center;}
  .stat-panel{
    width:100%; max-width:380px; background:var(--surface); border:1px solid rgba(255,255,255,0.12);
    border-radius:10px; box-shadow:var(--shadow); padding:6px 28px;
  }
  .stat-row{display:flex; align-items:center; gap:18px; padding:22px 0;}
  .stat-row:not(:last-child){border-bottom:1px solid var(--line);}
  .stat-icon{
    width:46px; height:46px; border-radius:8px; background:var(--bg-alt); border:1px solid var(--line);
    display:flex; align-items:center; justify-content:center; color:var(--navy); flex:none;
  }
  :root:not([data-theme="light"]) .stat-icon{color:var(--white);}
  .stat-value{font-family:"Archivo",sans-serif; font-weight:800; font-size:1.55rem; line-height:1; color:var(--text);}
  .stat-label{font-size:0.86rem; color:var(--text-muted); margin-top:5px;}
  .stat-foot{padding:16px 0 18px; font-size:0.78rem; color:var(--text-muted); text-align:center; border-top:1px solid var(--line); margin-top:2px;}
  @media (max-width:980px){
    .hero-inner{grid-template-columns:1fr; padding-block:48px 56px;}
    .hero-visual{order:-1; margin-bottom:8px;}
  }

  /* ============ GENERIC SECTION ============ */
  .section{padding-block:88px;}
  .section.alt{background:var(--bg-alt);}
  .section-head{max-width:640px; margin-bottom:48px;}
  .section-head h2{font-size:clamp(1.7rem,3vw,2.5rem); margin-top:14px;}
  .section-head p{margin-top:16px; color:var(--text-muted); font-size:1.05rem; max-width:56ch;}

  /* value props */
  .cards3{display:grid; grid-template-columns:repeat(3,1fr); gap:26px;}
  .vcard{
    background:var(--surface); border:1px solid var(--line); border-radius:8px; padding:30px 26px;
    display:flex; flex-direction:column; gap:16px; transition:border-color 0.3s ease, transform 0.3s ease;
  }
  .vcard:hover{border-color:var(--line-strong); transform:translateY(-3px);}
  .vicon{
    width:50px; height:50px; border-radius:7px; background:var(--bg-alt); border:1px solid var(--line);
    display:flex; align-items:center; justify-content:center; color:var(--navy); flex:none;
  }
  :root[data-theme="dark"] .vicon, :root:not([data-theme="light"]) .vicon{color:var(--white);}
  .vcard h3{font-size:1.18rem; font-weight:700;}
  .vcard p{color:var(--text-muted); font-size:0.97rem;}
  @media (max-width:860px){ .cards3{grid-template-columns:1fr; gap:18px;} }

  /* demarches / process */
  .process{display:grid; grid-template-columns:repeat(3,1fr); gap:0; counter-reset:step; position:relative;}
  .pstep{position:relative; padding:0 26px 0 0;}
  .pstep:not(:last-child)::after{
    content:""; position:absolute; top:26px; right:-13px; width:26px; height:1px; background:var(--line-strong);
  }
  .pnum{
    font-family:"Archivo",sans-serif; font-weight:900; font-size:0.95rem; color:var(--white);
    background:var(--navy); width:52px; height:52px; border-radius:50%;
    display:flex; align-items:center; justify-content:center; margin-bottom:18px;
  }
  .pstep h3{font-size:1.1rem; margin-bottom:8px;}
  .pstep p{color:var(--text-muted); font-size:0.95rem;}
  @media (max-width:860px){
    .process{grid-template-columns:1fr; gap:34px;}
    .pstep:not(:last-child)::after{display:none;}
  }

  /* ============ BOOKING TUNNEL ============ */
  .booking-card{
    background:var(--surface); border:1px solid var(--line); border-radius:10px;
    box-shadow:var(--shadow); max-width:720px; margin-inline:auto; overflow:hidden;
  }
  .progress-head{padding:28px 32px 22px; border-bottom:1px solid var(--line);}
  .progress-track{display:flex; align-items:center; gap:0; margin-bottom:18px;}
  .progress-seg{flex:1; height:4px; background:var(--line-strong); position:relative; border-radius:2px; margin-right:6px;}
  .progress-seg:last-child{margin-right:0;}
  .progress-seg .fill{position:absolute; inset:0; background:var(--accent); border-radius:2px; width:0%; transition:width 0.4s ease;}
  .progress-labels{display:flex; justify-content:space-between; gap:8px;}
  .plabel{display:flex; align-items:center; gap:8px; font-size:0.8rem; font-weight:700; color:var(--text-muted);}
  .plabel .dot{width:22px; height:22px; border-radius:50%; background:var(--bg-alt); border:1px solid var(--line-strong); display:flex; align-items:center; justify-content:center; font-size:0.72rem; font-family:"Archivo",sans-serif; flex:none; transition:all 0.3s ease;}
  .plabel.done .dot{background:var(--navy); border-color:var(--navy); color:var(--white);}
  .plabel.current{color:var(--text);}
  .plabel.current .dot{background:var(--accent); border-color:var(--accent); color:var(--accent-ink);}
  .plabel span.ltext{display:none;}
  @media (min-width:600px){ .plabel span.ltext{display:inline;} }

  .step-body{padding:32px;}
  .step-panel{display:none;}
  .step-panel.active{display:block;}
  .step-title{font-size:1.25rem; font-weight:800; font-family:"Archivo",sans-serif; margin-bottom:6px;}
  .step-sub{color:var(--text-muted); font-size:0.92rem; margin-bottom:24px;}

  .field{margin-bottom:20px;}
  .field label{display:block; font-size:0.86rem; font-weight:700; margin-bottom:8px;}
  .field .hint{font-size:0.78rem; color:var(--text-muted); margin-top:6px;}
  .field .error{font-size:0.78rem; color:#B3261E; margin-top:6px; display:none; font-weight:600;}
  .field.invalid .error{display:block;}
  .field.invalid input, .field.invalid select{border-color:#B3261E;}
  input[type="text"], input[type="tel"], input[type="date"], input[type="email"], input[type="password"], input[type="search"], select{
    width:100%; padding:13px 14px; border-radius:6px; border:1.5px solid var(--line-strong);
    background:var(--bg); color:var(--text); font-family:"Inter",sans-serif; font-size:0.96rem;
    transition:border-color 0.3s ease;
  }
  input:focus, select:focus{border-color:var(--navy); outline:none;}
  :root:not([data-theme="light"]) input:focus, :root:not([data-theme="light"]) select:focus{border-color:var(--white);}

  .glass-options{display:grid; grid-template-columns:repeat(3,1fr); gap:10px;}
  .glass-opt{position:relative;}
  .glass-opt input{position:absolute; opacity:0; width:1px; height:1px;}
  .glass-opt label{
    display:flex; flex-direction:column; align-items:center; gap:8px; text-align:center;
    border:1.5px solid var(--line-strong); border-radius:7px; padding:16px 8px; cursor:pointer;
    font-size:0.82rem; font-weight:700; color:var(--text-muted); transition:all 0.3s ease;
  }
  .glass-opt input:checked + label{border-color:var(--accent); background:rgba(242,169,0,0.08); color:var(--text);}
  .glass-opt input:focus-visible + label{outline:2.5px solid var(--accent); outline-offset:2px;}
  .glass-opt svg{color:var(--navy);}
  :root:not([data-theme="light"]) .glass-opt svg{color:var(--white);}

  .check-row{display:flex; align-items:flex-start; gap:10px; margin-top:4px;}
  .check-row input{width:19px; height:19px; margin-top:2px; accent-color:var(--accent); flex:none;}
  .check-row label{font-size:0.92rem; font-weight:600; cursor:pointer;}
  .check-row .hint{margin-top:4px;}

  .grid2{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
  @media (max-width:520px){ .grid2{grid-template-columns:1fr;} }

  .step-actions{display:flex; justify-content:space-between; gap:14px; margin-top:28px;}
  .step-actions .spacer{flex:1;}

  .success-panel{text-align:center; padding:12px 6px 4px;}
  .success-icon{
    width:64px; height:64px; border-radius:50%; background:rgba(242,169,0,0.14); color:var(--accent);
    display:flex; align-items:center; justify-content:center; margin:0 auto 20px;
  }
  .success-panel h3{font-size:1.3rem; margin-bottom:10px;}
  .success-panel > p{color:var(--text-muted); max-width:42ch; margin-inline:auto;}
  .recap{
    text-align:left; margin:26px 0; border:1px solid var(--line); border-radius:8px; overflow:hidden;
  }
  .recap div{display:flex; justify-content:space-between; gap:16px; padding:12px 16px; font-size:0.9rem;}
  .recap div:not(:last-child){border-bottom:1px solid var(--line);}
  .recap dt{color:var(--text-muted); font-weight:600;}
  .recap dd{margin:0; font-weight:700; text-align:right;}
  .note-box{
    background:var(--bg-alt); border-radius:7px; padding:14px 16px; font-size:0.88rem; color:var(--text-muted);
    text-align:left; display:flex; gap:10px; align-items:flex-start;
  }
  .note-box svg{flex:none; color:var(--navy); margin-top:1px;}
  :root:not([data-theme="light"]) .note-box svg{color:var(--white);}

  /* ============ AVIS ============ */
  .rating-row{display:flex; align-items:center; justify-content:center; gap:10px; margin-top:18px; flex-wrap:wrap;}
  .rating-row .stars svg{width:19px; height:19px;}
  .rating-score{font-family:"Archivo",sans-serif; font-weight:800; font-size:1.15rem;}
  .rating-count{color:var(--text-muted); font-size:0.95rem;}
  .stars{display:inline-flex; gap:3px; flex:none;}
  .stars svg{width:15px; height:15px;}
  .reviews-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-top:44px;}
  .review-card{
    background:var(--surface); border:1px solid var(--line); border-radius:8px; padding:26px 24px;
    display:flex; flex-direction:column; gap:14px; transition:border-color 0.3s ease, transform 0.3s ease;
  }
  .review-card:hover{border-color:var(--line-strong); transform:translateY(-3px);}
  .review-card blockquote{margin:0; font-size:0.96rem; line-height:1.62; color:var(--text);}
  .review-meta{display:flex; align-items:center; gap:12px; margin-top:auto; padding-top:16px; border-top:1px solid var(--line);}
  .review-avatar{
    width:38px; height:38px; border-radius:50%; background:var(--bg-alt); border:1px solid var(--line);
    display:flex; align-items:center; justify-content:center; font-family:"Archivo",sans-serif; font-weight:800;
    font-size:0.78rem; color:var(--navy); flex:none;
  }
  :root:not([data-theme="light"]) .review-avatar{color:var(--white);}
  .review-id{display:flex; flex-direction:column; gap:1px; min-width:0;}
  .review-name{font-weight:700; font-size:0.89rem;}
  .review-loc{font-size:0.78rem; color:var(--text-muted);}
  .review-date{margin-left:auto; font-size:0.74rem; color:var(--text-muted); white-space:nowrap; flex:none;}
  @media (max-width:860px){ .reviews-grid{grid-template-columns:1fr; gap:16px;} }

  /* ============ FAQ ============ */
  .faq-list{max-width:760px; margin-inline:auto; border-top:1px solid var(--line);}
  .faq-item{border-bottom:1px solid var(--line);}
  .faq-q{
    width:100%; display:flex; align-items:center; justify-content:space-between; gap:20px;
    background:none; border:none; text-align:left; padding:22px 4px; cursor:pointer;
    font-family:"Archivo",sans-serif; font-weight:700; font-size:1.05rem; color:var(--text);
  }
  .faq-q .plus{flex:none; width:28px; height:28px; border-radius:50%; border:1.5px solid var(--line-strong); display:flex; align-items:center; justify-content:center; position:relative; transition:all 0.3s ease;}
  .faq-q .plus::before, .faq-q .plus::after{content:""; position:absolute; background:var(--text); transition:transform 0.3s ease;}
  .faq-q .plus::before{width:11px; height:2px;}
  .faq-q .plus::after{width:2px; height:11px;}
  .faq-item[data-open="true"] .plus{background:var(--navy); border-color:var(--navy);}
  .faq-item[data-open="true"] .plus::before, .faq-item[data-open="true"] .plus::after{background:var(--white);}
  .faq-item[data-open="true"] .plus::after{transform:scaleY(0);}
  .faq-a{display:grid; grid-template-rows:0fr; transition:grid-template-rows 0.35s ease;}
  .faq-item[data-open="true"] .faq-a{grid-template-rows:1fr;}
  .faq-a-inner{overflow:hidden;}
  .faq-a-inner p{padding:0 4px 24px; color:var(--text-muted); max-width:62ch; font-size:0.98rem;}

  /* ============ FOOTER ============ */
  footer.site{background:var(--navy); color:rgba(255,255,255,0.75); padding-block:60px 28px;}
  .footer-top{
    display:grid; grid-template-columns:1.3fr 1fr 1fr 1.1fr; gap:40px;
    padding-bottom:40px; border-bottom:1px solid rgba(255,255,255,0.12);
  }
  .footer-brand .logo-word{color:var(--white);}
  .footer-brand p{margin-top:14px; font-size:0.92rem; max-width:32ch; color:rgba(255,255,255,0.6);}
  .fcol h4{font-family:"Archivo",sans-serif; font-size:0.82rem; letter-spacing:0.08em; text-transform:uppercase; color:rgba(255,255,255,0.5); margin-bottom:16px;}
  .fcol ul{list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:11px;}
  .fcol a{color:rgba(255,255,255,0.78); text-decoration:none; font-size:0.93rem; transition:color 0.3s ease;}
  .fcol a:hover{color:var(--white);}
  .fcontact li{display:flex; align-items:flex-start; gap:10px; font-size:0.93rem; color:rgba(255,255,255,0.78);}
  .fcontact svg{flex:none; margin-top:2px; color:var(--accent);}
  .footer-bottom{padding-top:24px; display:flex; flex-wrap:wrap; justify-content:space-between; gap:12px; font-size:0.78rem; color:rgba(255,255,255,0.45);}
  @media (max-width:860px){
    .footer-top{grid-template-columns:1fr 1fr; row-gap:34px;}
  }
  @media (max-width:520px){
    .footer-top{grid-template-columns:1fr;}
  }