/* assuranceshabitation.lu — Système de design
   Palette : Slate profond + Cuivre chaud
   Fonts : Libre Baskerville (titres) + Plus Jakarta Sans (corps)
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

/* ── VARIABLES ── */
:root {
  /* Palette principale */
  --slate:          #1C3557;
  --slate-mid:      #2A4D7A;
  --slate-dark:     #132540;
  --slate-light:    #EBF0F7;
  --copper:         #C87533;
  --copper-dark:    #A85F1F;
  --copper-light:   rgba(200,117,51,.1);
  --gold:           #D4A017;
  --gold-light:     #FDF6E3;
  --gold-border:    #E6C76A;
  --success:        #0B7A5E;
  --success-bg:     #E8F5F0;

  /* Texte */
  --text:           #1A2836;
  --text-mid:       #3D5065;
  --text-light:     #6B8099;

  /* Surfaces */
  --white:          #FFFFFF;
  --cream:          #FAFAF8;
  --slate-pale:     #F4F7FA;
  --border:         #D4DCE6;
  --border-light:   #EBF0F7;

  /* Shadows */
  --shadow:         0 4px 16px rgba(28,53,87,.08);
  --shadow-md:      0 8px 32px rgba(28,53,87,.12);
  --shadow-lg:      0 16px 48px rgba(28,53,87,.16);

  /* Geometry */
  --r:              12px;
  --r-sm:           8px;
  --r-lg:           16px;
  --max:            1100px;

  /* Typography */
  --font-head:      'Libre Baskerville', Georgia, serif;
  --font-body:      'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ── RESET ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* ── UTILS ── */
.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.mt-sm { margin-top: 16px; }
.mt-md { margin-top: 32px; }
.mt-lg { margin-top: 48px; }

/* ── NAV ── */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
}
.nav-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 62px;
  gap: 24px;
}
.nav-brand {
  font-family: var(--font-head);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--slate);
  flex-shrink: 0;
}
.brand-tld { color: var(--copper); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}
.nav-links a {
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-mid);
  padding: 6px 10px;
  border-radius: var(--r-sm);
  transition: background .15s, color .15s;
}
.nav-links a:hover,
.nav-links a.active { background: var(--slate-light); color: var(--slate); }
.nav-cta {
  background: var(--slate) !important;
  color: var(--white) !important;
  padding: 8px 18px !important;
  border-radius: var(--r-sm) !important;
  font-weight: 600 !important;
}
.nav-cta:hover { background: var(--slate-mid) !important; }
.nav-cta.active { background: var(--slate) !important; }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--slate);
  border-radius: 2px;
  transition: transform .25s, opacity .2s;
}

@media(max-width:780px){
  .nav-hamburger { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 62px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 2px;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 12px 16px 16px;
    box-shadow: var(--shadow-md);
  }
  .nav-links.open { display: flex; }
  .nav-links a { width: 100%; padding: 10px 12px; }
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--slate-dark) 0%, var(--slate) 60%, var(--slate-mid) 100%);
  padding: 72px 24px 60px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(200,117,51,.2) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -60px;
  left: -60px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,.04) 0%, transparent 70%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.12);
  color: rgba(255,255,255,.9);
  font-size: .8rem;
  font-weight: 600;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 20px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.hero h1 {
  font-family: var(--font-head);
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--white);
  max-width: 700px;
  margin-bottom: 18px;
}
.hero h1 em {
  font-style: italic;
  color: var(--copper);
}
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.8);
  max-width: 600px;
  margin-bottom: 32px;
  line-height: 1.6;
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 28px;
}
.hero-meta-item {
  font-size: .85rem;
  color: rgba(255,255,255,.75);
}
.hero-meta-item strong { color: rgba(255,255,255,.95); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: .9rem;
  padding: 11px 22px;
  border-radius: var(--r-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: background .2s, transform .15s, box-shadow .2s;
  text-decoration: none;
}
.btn-primary {
  background: var(--copper);
  color: var(--white);
  border-color: var(--copper);
}
.btn-primary:hover { background: var(--copper-dark); border-color: var(--copper-dark); transform: translateY(-1px); }
.btn-secondary {
  background: rgba(255,255,255,.12);
  color: var(--white);
  border-color: rgba(255,255,255,.3);
}
.btn-secondary:hover { background: rgba(255,255,255,.2); transform: translateY(-1px); }
.btn-secondary.dark {
  background: var(--slate-light);
  color: var(--slate);
  border-color: var(--border);
}
.btn-secondary.dark:hover { background: var(--border-light); }
.btn-lg { padding: 14px 28px; font-size: .95rem; }
.btn-outline {
  background: transparent;
  color: var(--slate);
  border-color: var(--border);
}
.btn-outline:hover { background: var(--slate-light); border-color: var(--slate); }

/* ── ANSWER BOX ── */
.answer-box {
  background: var(--gold-light);
  border: 1px solid var(--gold-border);
  border-left: 4px solid var(--copper);
  border-radius: var(--r);
  padding: 22px 24px;
  margin: 40px 0;
}
.answer-box-label {
  font-size: .75rem;
  font-weight: 700;
  color: var(--copper-dark);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 10px;
}
.answer-box p {
  font-size: .95rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: .75em;
}
.answer-box p:last-child { margin-bottom: 0; }

/* ── SECTION HEADS ── */
.section-head { margin-bottom: 36px; }
.section-label {
  font-size: .75rem;
  font-weight: 700;
  color: var(--copper);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 8px;
}
.section-head h2 {
  font-family: var(--font-head);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--slate);
  line-height: 1.25;
  margin-bottom: 10px;
}
.section-head p { font-size: .975rem; color: var(--text-mid); max-width: 620px; }

/* ── PROFILE / VERDICT CARDS ── */
.verdict-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 20px;
  margin-top: 8px;
}
.verdict-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px;
  transition: box-shadow .2s, border-color .2s;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.verdict-card:hover { box-shadow: var(--shadow); border-color: var(--copper); }
.verdict-card.top-pick { border-color: var(--copper); box-shadow: 0 0 0 1px var(--copper); }
.verdict-profile { font-size: 2rem; }
.verdict-role {
  font-size: .75rem;
  font-weight: 700;
  color: var(--copper);
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: 4px;
}
.verdict-card h3 {
  font-family: var(--font-head);
  font-size: 1.05rem;
  color: var(--slate);
  margin-bottom: 8px;
}
.verdict-card p { font-size: .875rem; color: var(--text-mid); line-height: 1.6; }
.verdict-rec { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--border-light); }
.verdict-badge {
  display: inline-block;
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 3px 10px;
  border-radius: 20px;
  background: var(--slate-light);
  color: var(--slate);
  margin-bottom: 8px;
}
.verdict-badge.copper { background: var(--copper-light); color: var(--copper-dark); }
.verdict-badge.gold { background: var(--gold-light); color: #7A5A0A; }
.verdict-badge.green { background: var(--success-bg); color: var(--success); }
.verdict-pick {
  display: block;
  font-weight: 700;
  font-size: 1rem;
  color: var(--slate);
  margin-bottom: 2px;
}
.verdict-formula { font-size: .8rem; color: var(--text-light); }

/* ── INSURER CARDS ── */
.insurer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 18px;
}
.insurer-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 22px;
  transition: box-shadow .2s, border-color .2s;
}
.insurer-card:hover { box-shadow: var(--shadow); border-color: var(--copper); }
.insurer-name { font-family: var(--font-head); font-size: 1.3rem; font-weight: 700; color: var(--slate); margin-bottom: 2px; }
.insurer-product { font-size: .8rem; color: var(--text-light); margin-bottom: 10px; }
.insurer-star { font-size: .78rem; font-weight: 600; color: var(--copper-dark); margin-bottom: 14px; background: var(--copper-light); display: inline-block; padding: 2px 10px; border-radius: 20px; }
.insurer-highlights { list-style: none; font-size: .85rem; }
.insurer-highlights li {
  padding: 5px 0;
  color: var(--text-mid);
  border-bottom: 1px solid var(--border-light);
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.insurer-highlights li:last-child { border-bottom: none; padding-bottom: 0; }
.insurer-highlights li::before { content: "→"; color: var(--copper); flex-shrink: 0; }

/* ── DIFF CARDS (5 differences) ── */
.diff-list { display: flex; flex-direction: column; gap: 24px; }
.diff-card {
  display: flex;
  gap: 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px;
}
.diff-number {
  width: 40px;
  height: 40px;
  background: var(--slate);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.diff-card h3 { font-size: 1.05rem; color: var(--slate); margin-bottom: 10px; font-weight: 700; }
.diff-card p { font-size: .9rem; color: var(--text-mid); line-height: 1.65; }
.diff-impact {
  margin-top: 12px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--copper-dark);
  background: var(--copper-light);
  padding: 6px 12px;
  border-radius: var(--r-sm);
  display: inline-block;
}

/* ── DATA TABLE ── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .875rem;
  margin: 20px 0;
}
.data-table th {
  background: var(--slate);
  color: var(--white);
  font-weight: 600;
  text-align: left;
  padding: 10px 14px;
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.data-table th:first-child { border-radius: var(--r-sm) 0 0 0; }
.data-table th:last-child { border-radius: 0 var(--r-sm) 0 0; }
.data-table td { padding: 10px 14px; border-bottom: 1px solid var(--border-light); color: var(--text-mid); }
.data-table tr:nth-child(even) td { background: var(--slate-pale); }
.data-table tr:hover td { background: var(--copper-light); }
.data-table .yes { color: var(--success); font-weight: 600; }
.data-table .opt { color: var(--copper-dark); font-weight: 500; }
.data-table .no { color: var(--text-light); }

/* ── FAQ ACCORDION ── */
.faq-item { border: 1px solid var(--border); border-radius: var(--r-sm); overflow: hidden; }
.faq-question {
  width: 100%;
  text-align: left;
  background: var(--white);
  border: none;
  padding: 16px 20px;
  font-family: var(--font-body);
  font-size: .95rem;
  font-weight: 600;
  color: var(--slate);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: background .15s;
}
.faq-question:hover { background: var(--slate-pale); }
.faq-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: var(--copper);
  transition: transform .25s;
}
.faq-question[aria-expanded="true"] .faq-icon { transform: rotate(180deg); }
.faq-answer {
  display: none;
  padding: 0 20px 16px;
  font-size: .9rem;
  color: var(--text-mid);
  line-height: 1.65;
  border-top: 1px solid var(--border-light);
}
.faq-answer.open { display: block; }
.faq-answer p { margin-bottom: .75em; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul { padding-left: 18px; margin: .5em 0; }
.faq-answer li { margin-bottom: .4em; }

/* ── PRICE CARDS ── */
.price-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 18px;
  margin: 24px 0;
}
.price-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px 20px;
  text-align: center;
}
.price-card.featured { border-color: var(--copper); box-shadow: 0 0 0 1px var(--copper); }
.price-tier { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--text-light); margin-bottom: 8px; }
.price-range { font-family: var(--font-head); font-size: 1.8rem; font-weight: 700; color: var(--slate); margin-bottom: 4px; }
.price-range .unit { font-size: 1rem; color: var(--text-light); }
.price-profile { font-size: .8rem; color: var(--text-mid); margin-bottom: 14px; }
.price-includes { list-style: none; font-size: .8rem; color: var(--text-mid); text-align: left; }
.price-includes li { padding: 3px 0; display: flex; gap: 6px; }
.price-includes li::before { content: "✓"; color: var(--success); flex-shrink: 0; }

/* ── CTA BAND ── */
.cta-band {
  background: var(--slate);
  padding: 56px 24px;
  text-align: center;
}
.cta-band h2 {
  font-family: var(--font-head);
  font-size: 1.8rem;
  color: var(--white);
  margin-bottom: 12px;
}
.cta-band p { color: rgba(255,255,255,.75); margin-bottom: 28px; max-width: 520px; margin-left: auto; margin-right: auto; }
.cta-trust { display: flex; gap: 20px; justify-content: center; flex-wrap: wrap; margin-top: 16px; }
.cta-trust-item { font-size: .8rem; color: rgba(255,255,255,.6); }

/* ── SOURCE NOTE ── */
.source-note {
  background: var(--slate-pale);
  border-top: 1px solid var(--border-light);
  padding: 20px 24px;
  font-size: .78rem;
  color: var(--text-light);
  line-height: 1.6;
  margin: 48px 0 0;
}
.source-note strong { color: var(--text-mid); }
.source-note a { color: var(--copper-dark); text-decoration: underline; text-decoration-color: transparent; }
.source-note a:hover { text-decoration-color: var(--copper-dark); }

/* ── CALCULATOR (advisor) ── */
.calc-wrap {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.calc-header {
  background: var(--slate);
  padding: 28px 32px;
  color: var(--white);
}
.calc-header h2 { font-family: var(--font-head); font-size: 1.4rem; color: var(--white); margin-bottom: 4px; }
.calc-header p { font-size: .875rem; color: rgba(255,255,255,.75); }
.calc-body { padding: 32px; }
.calc-step { display: none; }
.calc-step.active { display: block; }

.calc-prog-wrap { background: var(--border-light); border-radius: 4px; height: 4px; margin-bottom: 24px; overflow: hidden; }
.calc-prog-fill { height: 100%; background: var(--copper); border-radius: 4px; transition: width .3s ease; }
.calc-step-num { font-size: .75rem; font-weight: 700; color: var(--copper); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 4px; }
.calc-step-title { font-family: var(--font-head); font-size: 1.05rem; color: var(--slate); margin-bottom: 20px; font-weight: 700; }

.radio-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.radio-grid.cols3 { grid-template-columns: 1fr 1fr 1fr; }
@media(max-width:480px){ .radio-grid, .radio-grid.cols3 { grid-template-columns: 1fr 1fr; } }

.radio-card {
  border: 2px solid var(--border);
  border-radius: var(--r-sm);
  padding: 14px 12px;
  cursor: pointer;
  text-align: center;
  transition: border-color .2s, background .2s, box-shadow .2s;
  background: var(--white);
  position: relative;
}
.radio-card:hover { border-color: var(--copper); }
.radio-card.selected {
  border-color: var(--copper);
  background: var(--copper-light);
  box-shadow: 0 0 0 1px var(--copper);
}
.radio-card.selected::after {
  content: "✓";
  position: absolute;
  top: 6px; right: 8px;
  font-size: .7rem;
  font-weight: 700;
  color: var(--copper-dark);
}
.radio-card input { display: none; }
.radio-icon { font-size: 1.4rem; margin-bottom: 6px; }
.radio-label { font-size: .82rem; font-weight: 600; color: var(--slate); }

.check-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.check-card {
  border: 2px solid var(--border);
  border-radius: var(--r-sm);
  padding: 12px;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .85rem;
  font-weight: 500;
  color: var(--text-mid);
  transition: border-color .2s, background .2s;
  background: var(--white);
}
.check-card:hover { border-color: var(--copper); }
.check-card.selected { border-color: var(--copper); background: var(--copper-light); color: var(--copper-dark); font-weight: 600; }
.check-card input { width: 14px; height: 14px; accent-color: var(--copper); flex-shrink: 0; }

.calc-nav { display: flex; gap: 10px; margin-top: 24px; }
.calc-btn-back {
  background: none;
  border: 1px solid var(--border);
  color: var(--text-mid);
  padding: 11px 18px;
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: .9rem;
  cursor: pointer;
}
.calc-btn-back:hover { border-color: var(--slate); color: var(--slate); }
.calc-btn-next {
  flex: 1;
  background: var(--copper);
  color: white;
  border: none;
  padding: 13px 20px;
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  transition: background .2s;
}
.calc-btn-next:hover { background: var(--copper-dark); }

/* Result */
.calc-result {
  background: var(--slate);
  border-radius: var(--r);
  padding: 28px;
  color: var(--white);
  margin-bottom: 20px;
}
.calc-result-title { font-family: var(--font-head); font-size: 1.3rem; color: var(--white); margin-bottom: 6px; }
.calc-price-range {
  font-size: 2rem;
  font-weight: 700;
  color: var(--copper);
  margin: 12px 0 4px;
  font-family: var(--font-head);
}
.calc-price-note { font-size: .8rem; color: rgba(255,255,255,.6); margin-bottom: 16px; }
.result-badges { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px; }
.result-badge {
  background: rgba(255,255,255,.12);
  color: rgba(255,255,255,.9);
  font-size: .75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
}
.result-guarantees {
  background: rgba(255,255,255,.06);
  border-radius: var(--r-sm);
  padding: 16px;
}
.result-guarantees h4 { font-size: .8rem; font-weight: 700; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 10px; }
.result-guarantees ul { list-style: none; font-size: .875rem; }
.result-guarantees li { padding: 4px 0; color: rgba(255,255,255,.9); display: flex; gap: 8px; }
.result-guarantees li::before { content: "✓"; color: var(--copper); flex-shrink: 0; font-weight: 700; }

/* ── FORM (quote) ── */
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--slate); margin-bottom: 5px; }
.form-group label .req { color: var(--copper); margin-left: 2px; }
.form-group input,
.form-group select {
  width: 100%;
  padding: 10px 13px;
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  font-family: var(--font-body);
  font-size: .9rem;
  color: var(--text);
  background: var(--white);
  -webkit-appearance: none;
  transition: border-color .2s, box-shadow .2s;
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--copper);
  box-shadow: 0 0 0 3px var(--copper-light);
}
.form-group input.error { border-color: #D33; }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media(max-width:480px){ .form-grid-2 { grid-template-columns: 1fr; } }
.consent-box { background: var(--slate-pale); border-radius: var(--r-sm); padding: 13px 15px; margin: 14px 0; }
.consent-box label { display: flex; gap: 10px; align-items: flex-start; font-size: .8rem; color: var(--text-mid); cursor: pointer; }
.consent-box input[type="checkbox"] { width: auto; margin-top: 2px; flex-shrink: 0; accent-color: var(--copper); }

/* ── FOOTER ── */
footer {
  background: var(--slate-dark);
  color: rgba(255,255,255,.7);
  padding: 48px 24px 32px;
}
.footer-inner { max-width: var(--max); margin: 0 auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  margin-bottom: 24px;
}
@media(max-width:720px){ .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media(max-width:480px){ .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { font-family: var(--font-head); font-size: 1.1rem; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.footer-brand .tld { color: var(--copper); }
.footer-desc { font-size: .82rem; line-height: 1.6; margin-bottom: 12px; }
.footer-orias { font-size: .75rem; color: rgba(255,255,255,.4); }
.footer-col h4 { font-size: .8rem; font-weight: 700; color: var(--white); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 14px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 8px; }
.footer-col a { font-size: .83rem; color: rgba(255,255,255,.55); transition: color .15s; }
.footer-col a:hover { color: var(--copper); }
.footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; flex-wrap: wrap; }
.footer-legal { font-size: .74rem; color: rgba(255,255,255,.35); line-height: 1.5; }
.footer-legal a { color: rgba(255,255,255,.45); }
.footer-legal a:hover { color: var(--copper); }

/* ── SECTION PADDING ── */
section { padding: 64px 0; }
section:nth-child(even) { background: var(--slate-pale); }

/* ── MISC ── */
.highlight-box {
  background: var(--slate-light);
  border-left: 4px solid var(--slate);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  padding: 16px 20px;
  margin: 16px 0;
  font-size: .9rem;
  color: var(--text-mid);
}
.success-box {
  background: var(--success-bg);
  border: 1px solid rgba(11,122,94,.2);
  border-radius: var(--r-sm);
  padding: 16px 20px;
  font-size: .9rem;
  color: var(--success);
}

/* ── RESPONSIVE ── */
@media(max-width:640px){
  .hero { padding: 52px 16px 44px; }
  .hero h1 { font-size: 1.75rem; }
  section { padding: 44px 0; }
  .verdict-grid { grid-template-columns: 1fr; }
  .insurer-grid { grid-template-columns: 1fr 1fr; }
  .diff-card { flex-direction: column; gap: 12px; }
  .calc-body { padding: 20px; }
  .check-grid { grid-template-columns: 1fr; }
}

/* ── BREADCRUMB NAV ── */
.breadcrumb-nav {
  background: rgba(255,255,255,.06);
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding: 9px 24px;
}
.breadcrumb-list {
  max-width: var(--max);
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
  font-size: .77rem;
  flex-wrap: wrap;
}
.breadcrumb-list li { display: flex; align-items: center; gap: 6px; }
.breadcrumb-list a { color: rgba(255,255,255,.6); text-decoration: none; transition: color .15s; }
.breadcrumb-list a:hover { color: var(--copper); }
.breadcrumb-list .sep { color: rgba(255,255,255,.3); font-size: .65rem; }
.breadcrumb-list .current { color: rgba(255,255,255,.9); font-weight: 600; }