:root{
  --primary:#014a23;
  --primary-dark:#003619;
  --soft:#e3e3e3;
  --text:#101513;
  --muted:#434343;
  --border:#dfe5e1;
  --light:#f7f9f8;
  --white:#ffffff;
  --shadow:0 18px 45px rgba(17,24,39,.11);
  --radius:22px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Open Sans",Arial,sans-serif;
  color:var(--text);
  background:#fff;
  line-height:1.45;
}
a{color:var(--primary)}
img{max-width:100%;display:block}
h1,h2,h3{font-family:"Lato",Arial,sans-serif;margin:0;color:var(--text)}
.container{width:min(1120px,calc(100% - 40px));margin:0 auto}

.hero{
  min-height:100vh;
  display:flex;
  align-items:center;
  padding:24px 0 24px;
  background:
    linear-gradient(
      to bottom right,
      rgba(255,255,255,0.88) 0%,
      rgba(240,246,242,0.82) 55%,
      rgba(255,255,255,0.76) 100%
    ),
    url('telechargement.jfif') center 40% / cover no-repeat;
  position:relative;
  overflow:hidden;
}
.hero::before{display:none}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:76px;
  align-items:start;
  position:relative;
  z-index:1;
}
.logo-link{display:inline-block;margin-bottom:90px}
.hero-logo{width:90px;height:auto;border-radius:7px}
h1{
  font-size:clamp(40px,2.75vw,38px);
  line-height:1.05;
  letter-spacing:-.8px;
  max-width:860px;
  white-space:nowrap;
}
.hero-subtitle{
  font-size:18px;
  line-height:1.4;
  color:#26312b;
  max-width:660px;
  margin:12px 0 0;
  font-weight:600;
}
.insurer-strip{
  display:flex;
  align-items:center;
  gap:12px;
  width:100%;
  max-width:610px;
  margin-top:30px;
  padding:11px 14px;
  background:rgba(255,255,255,.86);
  border:1px solid rgba(1,74,35,.12);
  border-radius:14px;
  box-shadow:0 12px 34px rgba(1,74,35,.08);
}
.insurer-strip img{
  height:34px;
  width:16.66%;
  object-fit:contain;
  flex:1 1 0;
}

.form-card{
  background:rgba(255,255,255,.9);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border:1px solid rgba(1,74,35,.15);
  border-radius:var(--radius);
  box-shadow:0 24px 60px rgba(1,74,35,.12),0 2px 8px rgba(17,24,39,.06);
  padding:27px 20px 20px;
}
.form-card h2{
  text-align:center;
  font-size:22px;
  line-height:1.25;
  margin-bottom:40px;
}
form{display:grid;gap:4px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-group{display:grid;gap:8px}
label{font-weight:600;font-size:13px;color:#000000}
input,select{
  width:100%;
  height:37px;
  border:1px solid #cfd7d2;
  border-radius:8px;
  background:#f8faf9;
  padding:0 12px;
  font:500 13px "Open Sans",Arial,sans-serif;
  color:#111;
  outline:none;
}
select{
  appearance:none;
  -webkit-appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23014a23' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 12px center;
  padding-right:34px;
  cursor:pointer;
}
input:focus,select:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(1,74,35,.12);background:#fff}
.checkbox-group{display:grid;grid-template-columns:22px 1fr;gap:6px;align-items:start;margin-top:-12px}
.checkbox-group input{width:16px;height:16px;margin:2px 0 0;padding:0;accent-color:var(--primary)}
.checkbox-group label{font-weight:400;font-size:12px;line-height:1.35}
.error-message{min-height:14px;font-size:12px;color:#b42318;margin-top:-4px}
.form-group.error input,.form-group.error select{border-color:#b42318}
.submit-btn,.primary-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border:0;
  border-radius:8px;
  background:var(--primary);
  color:#fff;
  text-decoration:none;
  font-weight:600;
  cursor:pointer;
  transition:.2s ease;
}
.submit-btn{height:49px;width:100%;font-size:16px;margin-top:6px;font-weight:400;font-family:"Lato",Arial,sans-serif}
.primary-btn{height:50px;padding:0 30px;font-size:17px;font-weight:600}
.submit-btn:hover,.primary-btn:hover{background:var(--primary-dark);transform:translateY(-1px)}
.submit-btn:disabled{opacity:.7;cursor:not-allowed;transform:none}

.section{padding:76px 0}
.section h2{
  font-size:32px;
  line-height:1.18;
  letter-spacing:-.4px;
  margin-bottom:18px;
}
.process-section{background:#fff}
.process-grid{display:grid;grid-template-columns:1fr .86fr;gap:58px;align-items:center}
.steps{display:grid;gap:16px;margin-top:26px}
.step{
  display:grid;
  grid-template-columns:42px 1fr;
  gap:0px;
  padding:18px;
  border:1px solid var(--border);
  border-radius:16px;
  background:#fff;
}
.step span{
  width:26px;
  height:26px;
  border-radius:50%;
  background:var(--primary);
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:"Lato",Arial,sans-serif;
  font-weight:900;
  font-size:14px;
}
.step h3{font-size:18px;line-height:1.25;margin-bottom:6px}
.step p,.section-intro,.advantage-card p,.faq-answer p{color:var(--muted);margin:0}
.step p{font-size:15px;line-height:1.5}
.process-image{border-radius:30px;overflow:hidden;box-shadow:var(--shadow);background:var(--soft)}
.process-image img{width:100%;height:100%;object-fit:cover}

.advantages-section{background:var(--light);text-align:center}
.advantages-section h2{
  color:var(--primary);
  font-size:29px;
  line-height:1.3;
  letter-spacing:.01em;
  margin-bottom:12px;
}
.section-intro{
  font-size:15px;
  line-height:1.3;
  max-width:1000px;
  margin:0 auto 62px;
  color:#000000;
  font-weight:600;
}
.advantages-grid{
  display:flex;
  flex-wrap:wrap;
  justify-content:center;
  gap:20px;
  margin:58px 0 28px;
}
.advantage-card{
  width:calc((100% - 40px)/3);
  min-height:150px;
  padding:26px 22px;
  border:1px solid var(--border);
  border-radius:18px;
  background:#fff;
  box-shadow:0 16px 38px rgba(1,74,35,.06);
}
.advantage-card h3{
  font-size:20px;
  line-height:1.25;
  color:var(--primary);
  margin-bottom:12px;
}
.advantage-card p{font-size:13px;line-height:1.45}

.faq-section{background:#fff}
.faq-wrap{max-width:646px;margin:0 auto}
.faq-section h2{text-align:center}
.accordion{display:grid;gap:12px;margin-top:28px}
.faq-item{border:1px solid var(--border);border-radius:12px;background:#fff;overflow:hidden}
.faq-question{
  width:100%;
  border:0;
  background:#fff;
  text-align:left;
  padding:18px 62px 18px 20px;
  font:400 16px "Open Sans",Arial,sans-serif;
  color:#111;
  cursor:pointer;
  position:relative;
  white-space:normal;
  word-break:normal;
}
.faq-question::after{
  content:"";
  position:absolute;
  right:20px;
  top:50%;
  width:26px;
  height:26px;
  border:1px solid rgba(1,74,35,.28);
  border-radius:50%;
  transform:translateY(-50%);
  background:#f7faf8;
}
.faq-question::before{
  content:"";
  position:absolute;
  right:29px;
  top:50%;
  width:7px;
  height:7px;
  border-right:2px solid var(--primary);
  border-bottom:2px solid var(--primary);
  transform:translateY(-65%) rotate(45deg);
  z-index:1;
  transition:transform .2s ease;
}
.faq-item.active .faq-question::before{transform:translateY(-35%) rotate(225deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-answer p{padding:0 20px 18px;font-size:15px;line-height:1.55;font-weight:400;color:var(--muted)}

.footer{background:#014a23;color:#fff;padding:52px 0;font-size:14px}
.footer-grid{display:block}
.footer h3{color:#fff;font-size:18px;margin:0 0 14px;font-weight:700}
.footer a{color:#fff}
.legal-text{font-size:14px;line-height:1.6;color:#fff;margin:0 0 12px;width:100%}
.footer-bottom{display:block;margin-top:28px;border-top:1px solid rgba(255,255,255,.16);padding-top:22px}
.footer-bottom-inner{display:flex;flex-direction:row;justify-content:space-between;align-items:flex-start;gap:32px;flex-wrap:wrap}
.footer-contact{display:flex;flex-direction:column;justify-content:flex-start;align-items:flex-start;gap:0}
.footer-contact p{margin:0 0 0px;color:#fff}
.footer-contact p:last-child{margin-bottom:0}
.footer-policy{text-align:left;margin:0 !important}
.phone-note{font-size:10px!important;line-height:1.1;color:#fff;margin-top:0!important;margin-bottom:12px!important}
.footer-hours{min-width:220px}
.footer-hours-title{font-weight:700;font-size:14px;color:#fff;margin:0 0 10px}
.footer-hours-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:5px}
.footer-hours-list li{display:flex;justify-content:space-between;gap:24px;font-size:14px;color:#fff}
.footer-hours-list li span:first-child{color:#fff}

.thankyou-body{background:linear-gradient(180deg,#fff 0%,#f7f9f8 100%)}
.thankyou-page{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:30px}
.thankyou-card{width:min(720px,100%);background:#fff;border:1px solid var(--border);border-radius:24px;box-shadow:var(--shadow);text-align:center;padding:46px 34px}
.thankyou-logo{width:120px;margin:0 auto 30px;border-radius:10px}
.thankyou-card h1{font-size:28px;line-height:1.2;letter-spacing:-.4px;margin-bottom:18px}
.thankyou-card p{color:var(--muted);margin:8px 0}
.thankyou-contact{margin:24px 0 28px}
.back-link{font-weight:800;text-decoration:none}

@media (max-width:1050px){
  .hero{min-height:auto;padding:34px 0 54px}
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .hero-content{text-align:left}
  .logo-link{margin-bottom:100px}
  .hero-logo{margin:0}
  .hero-subtitle,.insurer-strip{margin-left:0;margin-right:auto}
  .process-grid{grid-template-columns:1fr;gap:38px}
  .process-image{max-width:520px;margin:0 auto}
  .advantage-card{width:calc((100% - 20px)/2)}
}

@media (max-width:720px){
  /* labels */
  .form-group label{display:none}
  .checkbox-group label{display:inline}

  /* layout */
  .container{width:min(100% - 28px,1120px)}
  .form-row{grid-template-columns:1fr;gap:8px}

  /* hero */
  .hero{
    padding-top:26px;
    background:
      linear-gradient(
        to bottom,
        rgba(255,255,255,0.80) 0%,
        rgba(236,244,239,0.63) 100%
      ),
      url('telechargement.jfif') 58% 60% / cover no-repeat;
  }
  .hero::before{display:none}
  h1{font-size:26px;letter-spacing:-.8px;white-space:normal}
  .hero-subtitle{font-size:16px}
  .insurer-strip{gap:6px;padding:9px;margin-top:10px}
  .insurer-strip img{height:27px;width:16.66%}

  /* form */
  .form-card{padding:24px 18px;border-radius:18px}
  .form-card h2{font-size:20px;margin-bottom:32px}
  input,select{text-align:center;font-size:15px;font-weight:300;border-color:#9c9c9c}
  input::placeholder{color:#000000}
  select{text-align-last:center}

  /* sections */
  .section{padding:58px 0}
  .section h2{font-size:29px}

  /* process */
  .process-content h2{text-align:center}
  .process-image{display:none}
  .step{grid-template-columns:38px 1fr;padding:17px}
  .step span{width:24px;height:24px;font-size:13px}

  /* advantages */
  .section-intro{font-size:15px;font-weight:400;line-height:1.6}
  .advantages-grid{display:grid;grid-template-columns:1fr}
  .advantage-card{width:100%;min-height:auto}
  .advantages-section h2{font-size:26px}
  .advantage-card h3{font-size:20px}

  /* faq */
  .faq-question{font-size:15px;padding:17px 58px 17px 18px}

  /* footer */
  .footer-bottom-inner{flex-direction:column;align-items:center;gap:24px}
  .footer-contact{align-items:center;text-align:center;gap:0px}
  .footer-policy { text-align:center; margin-top: 14px !important; }
  .phone-note { margin-top: 0 !important; }
  .footer-contact p{font-size:14px}
  .footer-hours{text-align:center;min-width:unset;width:100%}
  .footer-hours-list li{justify-content:center;gap:16px}
  .legal-text{font-size:11px}

  /* thankyou */
  .thankyou-card{padding:38px 22px}
  .thankyou-card h1{font-size:24px}
}