/* ===== BPC ASSURANCES — feuille de style ===== */
:root{
  --navy:#153B5C;
  --navy-dark:#0f2c46;
  --green:#2E6DA4;
  --green-light:#5E97CC;
  --green-dark:#234E78;
  --bg:#f6f9fb;
  --bg-soft:#eef3f7;
  --text:#243244;
  --text-soft:#5a6b7b;
  --white:#ffffff;
  --border:#e3e9ef;
  --radius:14px;
  --shadow:0 10px 30px rgba(21,59,92,.08);
  --shadow-lg:0 20px 50px rgba(21,59,92,.14);
  --maxw:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  color:var(--text);background:var(--white);line-height:1.65;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;color:var(--navy);line-height:1.2;font-weight:600}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section--soft{background:var(--bg)}
.eyebrow{color:var(--green-dark);font-weight:600;text-transform:uppercase;letter-spacing:1.5px;font-size:13px;margin-bottom:14px}
.section-head{max-width:720px;margin:0 auto 56px;text-align:center}
.section-head h2{font-size:36px;margin-bottom:16px}
.section-head p{color:var(--text-soft);font-size:18px}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-family:'Poppins',sans-serif;
  padding:14px 26px;border-radius:999px;cursor:pointer;border:2px solid transparent;transition:.2s;font-size:16px}
.btn--primary{background:var(--green);color:#fff}
.btn--primary:hover{background:var(--green-dark);transform:translateY(-2px)}
.btn--outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--outline:hover{background:var(--navy);color:#fff}
.btn--white{background:#fff;color:var(--navy)}
.btn--white:hover{background:var(--bg-soft);transform:translateY(-2px)}
.btn--lg{padding:17px 34px;font-size:17px}

/* Header */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border)}
.header .container{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.header__logo{height:44px}
.nav{display:flex;align-items:center;gap:26px}
.nav a{font-weight:500;color:var(--navy);font-size:15px;transition:.2s;white-space:nowrap}
.nav a:hover{color:var(--green-dark)}
.header__actions{display:flex;align-items:center;gap:16px}
.header__phone{font-weight:600;color:var(--navy);font-size:15px;white-space:nowrap}
.header__phone span{color:var(--green-dark)}
.burger{display:none;background:none;border:none;cursor:pointer;font-size:26px;color:var(--navy)}

/* Hero */
.hero{background:linear-gradient(160deg,#fff 0%,var(--bg) 60%,var(--bg-soft) 100%);padding:76px 0 96px;overflow:hidden}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero__badge{display:inline-flex;align-items:center;gap:8px;background:#e8eff7;color:var(--green-dark);
  font-weight:600;font-size:13px;padding:7px 15px;border-radius:999px;margin-bottom:22px}
.hero h1{font-size:52px;margin-bottom:20px;letter-spacing:-.5px}
.hero h1 em{color:var(--green-dark);font-style:normal}
.hero__sub{font-size:20px;color:var(--text-soft);margin-bottom:32px;max-width:520px}
.hero__cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
.hero__trust{display:flex;gap:24px;flex-wrap:wrap;color:var(--text-soft);font-size:14px}
.hero__trust b{color:var(--navy)}
.hero__trust span{display:inline-flex;align-items:center;gap:7px}
.hero__card{background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);padding:34px;position:relative}
.hero__card h3{font-size:19px;margin-bottom:6px}
.hero__save{font-size:42px;font-family:'Poppins',sans-serif;font-weight:700;color:var(--green-dark);margin:10px 0 4px;white-space:nowrap}
.hero__card p{color:var(--text-soft);font-size:15px}
.hero__note{font-size:12px;color:var(--text-soft);margin-top:16px;line-height:1.5}
.hero__card .divider{height:1px;background:var(--border);margin:22px 0}
.hero__list{list-style:none;display:flex;flex-direction:column;gap:12px}
.hero__list li{display:flex;gap:10px;align-items:flex-start;font-size:15px}
.hero__list .check{color:var(--green);font-weight:700;flex-shrink:0}

/* Feature cards */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:32px;transition:.25s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.card__ico{width:56px;height:56px;border-radius:14px;background:#e8eff7;display:flex;align-items:center;
  justify-content:center;font-size:26px;margin-bottom:20px}
.card h3{font-size:20px;margin-bottom:10px}
.card p{color:var(--text-soft);font-size:15.5px}

/* Steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.step{position:relative;padding-top:14px}
.step__num{width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Poppins';
  font-weight:600;display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:18px}
.step h3{font-size:18px;margin-bottom:8px}
.step p{color:var(--text-soft);font-size:15px}

/* Band */
.band{background:var(--navy);color:#fff;border-radius:20px;padding:52px;text-align:center}
.band .stats{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.band .stat b{display:block;font-family:'Poppins';font-size:44px;font-weight:700;color:var(--green-light)}
.band .stat span{color:#c7d6e3;font-size:15px}

/* About */
.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;align-items:center}
.about__photo{border-radius:20px;aspect-ratio:4/5;overflow:hidden;box-shadow:var(--shadow-lg);background:var(--bg-soft)}
.about__photo img{width:100%;height:100%;object-fit:cover;object-position:center 30%;display:block}
.about__photo figcaption{display:none}
.about h2{font-size:34px;margin-bottom:18px}
.about p{color:var(--text-soft);margin-bottom:16px}
.about__points{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:20px}
.about__points li{display:flex;gap:12px;align-items:flex-start}
.about__points .check{color:var(--green);font-weight:700;font-size:18px;flex-shrink:0}
.about__points b{color:var(--navy)}

/* Reviews placeholder */
.reviews-empty{text-align:center;background:var(--bg);border:1px dashed var(--border);border-radius:var(--radius);
  padding:48px;color:var(--text-soft)}
.reviews-empty .stars{color:#f5b301;font-size:26px;margin-bottom:10px;letter-spacing:3px}

/* Contact */
.contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px}
.contact__info h2{font-size:32px;margin-bottom:16px}
.contact__info p{color:var(--text-soft);margin-bottom:26px}
.contact__item{display:flex;gap:16px;align-items:flex-start;margin-bottom:22px}
.contact__item .ico{width:48px;height:48px;border-radius:12px;background:#e8eff7;color:var(--green-dark);
  display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.contact__item h4{font-size:16px;margin-bottom:2px;color:var(--navy)}
.contact__item a,.contact__item span{color:var(--text-soft);font-size:15px}
.form{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:500;font-size:14px;margin-bottom:7px;color:var(--navy)}
.field input,.field textarea{width:100%;padding:13px 15px;border:1px solid var(--border);border-radius:10px;
  font-family:inherit;font-size:15px;background:var(--bg);transition:.2s}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--green);background:#fff}
.field textarea{resize:vertical;min-height:120px}
.form small{color:var(--text-soft);font-size:13px;display:block;margin-top:12px}

/* Footer */
.footer{background:var(--navy-dark);color:#c7d6e3;padding:64px 0 30px;font-size:14.5px}
.footer__top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:44px}
.footer__logo{height:46px;margin-bottom:18px}
.footer p{color:#a9bccd;line-height:1.7}
.footer h4{color:#fff;font-size:15px;margin-bottom:16px;font-family:'Poppins'}
.footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer a:hover{color:#fff}
.footer__legal{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;color:#8ea3b6;font-size:13px;line-height:1.8}
.footer__legal a{color:#c7d6e3;text-decoration:underline}
.footer__bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-top:18px;color:#7f95a9;font-size:13px}

/* Responsive */
@media(max-width:900px){
  .hero .container,.about,.contact{grid-template-columns:1fr}
  .grid-3,.steps,.band .stats{grid-template-columns:1fr 1fr}
  .footer__top{grid-template-columns:1fr 1fr}
  .hero h1{font-size:40px}
  .about__photo{aspect-ratio:16/10;max-width:340px}
}
@media(max-width:640px){
  body{font-size:16px}
  .section{padding:60px 0}
  .nav,.header__phone{display:none}
  .burger{display:block}
  .nav.open{display:flex;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;
    padding:20px 24px;gap:18px;border-bottom:1px solid var(--border);box-shadow:var(--shadow)}
  .hero h1{font-size:33px}
  .hero__sub{font-size:18px}
  .section-head h2{font-size:28px}
  .grid-3,.steps,.band .stats,.footer__top,.form .row{grid-template-columns:1fr}
  .band{padding:36px 24px}
  .band .stat b{font-size:36px}
}