/* ─── VARIABLES ─── */
    :root {
      /* Bleu InsurPro / +Simple — couleur principale */
      --blue:      #3B82F6;
      --blue-dk:   #2563EB;
      --blue-lt:   #EFF6FF;
      --blue-pale: #F0F7FF;
      /* Teal — uniquement pour l'animation hero */
      --teal:      #0EA5A0;
      --teal-dk:   #0C9490;
      /* Structure */
      --navy:      #0A1628;
      --bg:        #F5F7FF;
      --white:     #FFFFFF;
      --text:      #0F172A;
      --text-m:    #475569;
      --text-l:    #94A3B8;
      --border:    #E2E8F0;
      --shadow:    0 1px 3px rgba(0,0,0,.06), 0 4px 16px rgba(59,91,219,.07);
      --shadow-h:  0 4px 24px rgba(59,91,219,.18);
      --radius:    12px;
    }
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth}
    body{font-family:'Inter',-apple-system,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;overflow-x:hidden}
    a{text-decoration:none;color:inherit}
    ul{list-style:none}
    img{max-width:100%;display:block}
    .container{max-width:1160px;margin:0 auto;padding:0 24px}

    /* ─── BOUTONS ─── */
    .btn{display:inline-flex;align-items:center;gap:6px;font-family:'Inter',sans-serif;font-weight:600;font-size:.88rem;border-radius:8px;padding:10px 20px;cursor:pointer;transition:all .18s;border:1.5px solid transparent}
    .btn-primary{background:var(--blue);color:#fff;border-color:var(--blue)}
    .btn-primary:hover{background:var(--blue-dk);transform:translateY(-1px);box-shadow:0 4px 12px rgba(59,91,219,.3)}
    .btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}
    .btn-outline:hover{background:var(--blue-lt)}
    .btn-outline-dark{background:transparent;color:rgba(255,255,255,.85);border-color:rgba(255,255,255,.35)}
    .btn-outline-dark:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.7)}
    .btn-teal-hero{background:var(--teal);color:#fff;border-color:var(--teal)}
    .btn-teal-hero:hover{background:var(--teal-dk);transform:translateY(-1px);box-shadow:0 4px 14px rgba(14,165,160,.35)}
    .btn-lg{padding:13px 28px;font-size:.95rem;border-radius:10px}
    .btn-full{width:100%;justify-content:center}

    /* ─── NAV ─── */
    .nav{position:sticky;top:0;z-index:200;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 1px 8px rgba(0,0,0,.04)}
    .nav-inner{display:flex;align-items:center;gap:20px;height:64px}
    .nav-logo{flex-shrink:0;display:flex;align-items:center}
    .nav-logo img{height:44px;width:auto}
    .nav-logo-txt{font-size:1.3rem;font-weight:800;color:var(--blue);display:none}
    .nav-sep{width:1px;height:28px;background:var(--border);flex-shrink:0}
    .nav-tag{font-size:.72rem;font-weight:600;color:var(--text-l);text-transform:uppercase;letter-spacing:.08em;white-space:nowrap}
    .nav-links{display:flex;gap:2px;align-items:center;flex:1}
    .nav-links a{color:var(--text-m);font-size:.88rem;font-weight:500;padding:6px 12px;border-radius:6px;transition:all .15s;white-space:nowrap}
    .nav-links a:hover{color:var(--blue);background:var(--blue-lt)}
    .nav-actions{display:flex;align-items:center;gap:10px;margin-left:auto}
    .nav-phone{font-size:.84rem;font-weight:600;color:var(--text-m);white-space:nowrap}
    .nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
    .nav-hamburger span{display:block;width:22px;height:2px;background:var(--text);border-radius:2px}
    .nav-mobile{display:none;background:#fff;border-top:1px solid var(--border);padding:12px 0}
    .nav-mobile.open{display:block}
    .nav-mobile a{display:block;color:var(--text-m);padding:12px 24px;font-size:.95rem;font-weight:500}
    .nav-mobile a:hover{color:var(--blue);background:var(--blue-pale)}

    /* ─── HERO (dark navy + animation teal) ─── */
    .hero{background:var(--navy);padding:72px 0 60px;position:relative;overflow:hidden}
    .hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(14,165,160,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(14,165,160,.04) 1px,transparent 1px);background-size:48px 48px;pointer-events:none}
    .hero::after{content:'';position:absolute;top:-80px;right:-40px;width:480px;height:480px;background:radial-gradient(circle,rgba(59,91,219,.15) 0%,transparent 65%);pointer-events:none}
    .hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center}
    .hero-pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:99px;padding:6px 16px;font-size:.78rem;color:rgba(255,255,255,.7);font-weight:500;margin-bottom:16px}
    .hero-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:20px}
    .hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(2rem,4.5vw,3.4rem);font-weight:800;color:#fff;line-height:1.15;margin-bottom:24px}
    /* Animation cycling */
    .cycle-wrap{display:inline-block;overflow:hidden;height:1.15em;vertical-align:bottom;min-width:250px}
    .cycle{display:flex;flex-direction:column;animation:cycleUp 9s infinite}
    .cycle span{display:block;height:1.15em;color:var(--teal);font-style:italic}
    @keyframes cycleUp{0%,18%{transform:translateY(0)}22%,38%{transform:translateY(-1.15em)}42%,58%{transform:translateY(-2.3em)}62%,78%{transform:translateY(-3.45em)}82%,97%{transform:translateY(-4.6em)}100%{transform:translateY(-5.75em)}}
    .hero-sub{font-size:1rem;color:rgba(255,255,255,.65);line-height:1.8;margin-bottom:28px;font-weight:300;max-width:480px}
    .hero-proof{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:36px}
    .hero-proof-item{font-size:.8rem;color:rgba(255,255,255,.8);display:flex;align-items:center;gap:6px;font-weight:500}
    .hero-proof-item::before{content:'✓';background:rgba(59,91,219,.3);border-radius:50%;width:18px;height:18px;display:flex;align-items:center;justify-content:center;font-size:.65rem;font-weight:700;flex-shrink:0}
    .hero-actions{display:flex;gap:12px;flex-wrap:wrap}
    /* Stats card */
    .hero-stats{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:28px 32px;backdrop-filter:blur(8px);min-width:220px;flex-shrink:0}
    .hero-stat{text-align:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.08)}
    .hero-stat:last-child{border-bottom:none}
    .hero-stat-num{font-size:1.8rem;font-weight:800;color:#fff;line-height:1}
    .hero-stat-lbl{font-size:.72rem;color:rgba(255,255,255,.5);margin-top:3px;text-transform:uppercase;letter-spacing:.06em}

    /* ─── FILTER BAR ─── */
    .filter-bar{background:#fff;border-bottom:1px solid var(--border);padding:14px 0;position:sticky;top:64px;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.03)}
    .filter-inner{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
    .filter-label{font-size:.78rem;font-weight:600;color:var(--text-l);text-transform:uppercase;letter-spacing:.08em;flex-shrink:0}
    .filter-pills{display:flex;gap:8px;flex-wrap:wrap;flex:1}
    .pill{padding:6px 16px;border-radius:99px;border:1.5px solid var(--border);background:#fff;font-size:.8rem;font-weight:500;color:var(--text-m);cursor:pointer;transition:all .15s}
    .pill:hover,.pill.active{background:var(--blue-lt);border-color:var(--blue);color:var(--blue)}
    .pill-person{border-color:#bfd4ff;background:#f8fbff;font-weight:600}
    .pill-person:hover,.pill-person.active{background:var(--blue-lt);border-color:var(--blue);color:var(--blue)}
    .filter-search{display:flex;align-items:center;gap:8px;background:var(--bg);border:1.5px solid var(--border);border-radius:8px;padding:7px 14px;margin-left:auto}
    .filter-search input{border:none;background:transparent;font-family:'Inter',sans-serif;font-size:.84rem;color:var(--text);width:180px;outline:none}
    .filter-search input::placeholder{color:var(--text-l)}

    /* ─── GRILLE PRODUITS ─── */
    .products-section{padding:40px 0 64px}
    .products-hd{display:flex;align-items:center;justify-content:space-between;margin-bottom:28px}
    .products-title{font-size:1.05rem;font-weight:700;color:var(--text)}
    .products-count{font-size:.82rem;color:var(--text-l)}
    .products-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
    .card{background:#fff;border-radius:var(--radius);border:1.5px solid var(--border);box-shadow:var(--shadow);display:flex;flex-direction:column;transition:all .2s;overflow:hidden;cursor:pointer}
    .card:hover{box-shadow:var(--shadow-h);border-color:var(--blue);transform:translateY(-2px)}
    .card.hidden{display:none}
    .card-top{padding:22px 22px 16px;flex:1}
    .card-icon{width:44px;height:44px;border-radius:10px;background:var(--blue-lt);display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:14px}
    .card-cat{font-size:.68rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.1em;margin-bottom:6px}
    .card-name{font-size:.95rem;font-weight:700;color:var(--text);margin-bottom:8px;line-height:1.35}
    .card-desc{font-size:.8rem;color:var(--text-m);line-height:1.65}
    .card-price{display:flex;align-items:center;margin-top:12px;padding-top:12px;border-top:1px solid var(--border)}
    .card-price-num{font-size:.9rem;font-weight:700;color:var(--blue)}
    .card-foot{padding:14px 22px;border-top:1px solid var(--border);background:#FAFBFD}
    .card-btn{display:flex;align-items:center;justify-content:space-between;font-size:.84rem;font-weight:600;color:var(--blue);padding:9px 14px;border-radius:8px;background:var(--blue-lt);border:1.5px solid rgba(59,91,219,.2);cursor:pointer;transition:all .15s;width:100%}
    .card-btn:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
    .card-btn svg{width:15px;height:15px;flex-shrink:0}

    /* ─── VALEUR AJOUTÉE ─── */
    .valeur-section{background:#fff;padding:72px 0;border-top:1px solid var(--border)}
    .section-badge{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);background:var(--blue-lt);border:1px solid rgba(59,91,219,.2);padding:5px 14px;border-radius:99px;margin-bottom:16px}
    .section-hd{text-align:center;margin-bottom:52px}
    .section-hd h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:800;color:var(--text);margin-bottom:10px}
    .section-hd p{font-size:.95rem;color:var(--text-m);max-width:520px;margin:0 auto;line-height:1.7}
    .compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
    .compare-col{background:#fff;border:1.5px solid var(--border);border-radius:14px;overflow:hidden}
    .compare-col.good{border-color:var(--blue);box-shadow:0 0 0 2px rgba(59,91,219,.1)}
    .compare-head{padding:18px 24px;display:flex;align-items:center;gap:10px;font-weight:700;font-size:.95rem;color:var(--text);border-bottom:1px solid var(--border)}
    .compare-col.good .compare-head{background:var(--navy);color:#fff}
    .compare-rows{padding:4px 0}
    .compare-row{display:flex;align-items:center;gap:12px;padding:13px 24px;border-bottom:1px solid var(--border);font-size:.88rem;color:var(--text-m)}
    .compare-row:last-child{border-bottom:none}
    .compare-col.good .compare-row{color:var(--text);font-weight:500}
    .chk{width:22px;height:22px;border-radius:6px;background:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .chk svg{width:13px;height:13px;color:#fff}

    /* ─── 3 ÉTAPES ─── */
    .steps-section{background:var(--bg);padding:72px 0;border-top:1px solid var(--border)}
    .steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;position:relative}
    .steps-grid::before{content:'';position:absolute;top:34px;left:16%;right:16%;border-top:2px dashed var(--blue);opacity:.3;z-index:0}
    .step{text-align:center;position:relative;z-index:1}
    .step-circle{width:68px;height:68px;border-radius:50%;background:var(--navy);border:2.5px solid var(--blue);display:flex;align-items:center;justify-content:center;margin:0 auto 20px;box-shadow:0 0 0 4px rgba(59,91,219,.1)}
    .step-num{font-size:1.1rem;font-weight:800;color:var(--blue)}
    .step-title{font-weight:700;font-size:1rem;color:var(--text);margin-bottom:10px}
    .step-desc{font-size:.84rem;color:var(--text-m);line-height:1.7}

    /* ─── UN SEUL COURTIER ─── */
    .solutions-section{background:var(--navy);padding:72px 0}
    .solutions-section .section-hd h2{color:#fff}
    .solutions-section .section-hd p{color:rgba(255,255,255,.55)}
    .solutions-section .section-badge{background:rgba(59,91,219,.2);border-color:rgba(59,91,219,.4);color:#93A8F4}
    .solutions-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
    .sol-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:36px}
    .sol-title{font-size:1.4rem;font-weight:800;color:#fff;margin-bottom:6px}
    .sol-title span{color:#93A8F4}
    .sol-sub{font-size:.82rem;color:rgba(255,255,255,.45);margin-bottom:24px}
    .sol-feats{display:flex;flex-direction:column;gap:12px;margin-bottom:28px}
    .sol-feat{display:flex;align-items:center;gap:10px;font-size:.88rem;color:rgba(255,255,255,.8)}
    .sol-feat::before{content:'✓';color:#93A8F4;font-weight:700;flex-shrink:0}
    /* Form dark */
    .sol-form-title{font-size:1.1rem;font-weight:700;color:#fff;margin-bottom:4px}
    .sol-form-title span{color:#93A8F4}
    .sol-form-sub{font-size:.82rem;color:rgba(255,255,255,.45);margin-bottom:20px}
    .dark-form{display:flex;flex-direction:column;gap:10px}
    .dark-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
    .dark-grp label{display:block;font-size:.7rem;font-weight:700;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.08em;margin-bottom:5px}
    .dark-grp input,.dark-grp textarea{width:100%;padding:10px 14px;background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.12);border-radius:8px;font-family:'Inter',sans-serif;font-size:.88rem;color:#fff;outline:none;transition:border-color .15s}
    .dark-grp input::placeholder,.dark-grp textarea::placeholder{color:rgba(255,255,255,.3)}
    .dark-grp input:focus,.dark-grp textarea:focus{border-color:var(--blue)}
    .dark-grp textarea{min-height:80px;resize:vertical}
    .dark-note{font-size:.72rem;color:rgba(255,255,255,.3)}
    .dark-msg{font-size:.82rem;padding:10px 14px;border-radius:8px;display:none}
    .dark-msg.ok{display:block;background:rgba(59,91,219,.15);border:1px solid rgba(59,91,219,.3);color:#93A8F4}
    .dark-msg.err{display:block;background:rgba(239,68,68,.1);border:1px solid rgba(239,68,68,.3);color:#FCA5A5}

    /* ─── FOOTER ─── */
    footer{background:#0F172A;color:rgba(255,255,255,.55);padding:48px 0 24px}
    .footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
    .footer-logo img{height:36px;margin-bottom:14px;filter:brightness(0) invert(1) opacity(.7)}
    .footer-logo-txt{font-size:1.1rem;font-weight:800;color:rgba(255,255,255,.8);margin-bottom:14px}
    .footer-brand p{font-size:.82rem;line-height:1.7;max-width:260px;font-weight:300}
    .footer-orias{display:inline-flex;align-items:center;gap:6px;background:rgba(59,91,219,.15);border:1px solid rgba(59,91,219,.3);padding:6px 12px;border-radius:6px;font-size:.74rem;font-weight:600;color:#93A8F4;margin-top:16px}
    .footer-col h4{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.9);margin-bottom:14px}
    .footer-col ul{display:flex;flex-direction:column;gap:9px}
    .footer-col ul li a{font-size:.82rem;font-weight:300;transition:color .15s}
    .footer-col ul li a:hover{color:rgba(255,255,255,.9)}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.73rem}
    .footer-links{display:flex;gap:16px}
    .footer-links a{font-size:.73rem;transition:color .15s}
    .footer-links a:hover{color:rgba(255,255,255,.9)}

    /* ─── DRAWER IFRAME ─── */
    #bd{position:fixed;inset:0;z-index:900;background:rgba(15,23,42,.65);opacity:0;pointer-events:none;transition:opacity .3s;backdrop-filter:blur(3px)}
    #bd.open{opacity:1;pointer-events:auto}
    #dr{position:fixed;top:0;right:-100%;bottom:0;width:min(900px,100vw);z-index:901;background:#fff;display:flex;flex-direction:column;box-shadow:-8px 0 48px rgba(0,0,0,.25);transition:right .32s cubic-bezier(.4,0,.2,1)}
    #dr.open{right:0}
    #dr-head{display:flex;align-items:center;gap:14px;padding:0 20px;height:60px;background:var(--navy);flex-shrink:0}
    #dr-logo{height:32px;width:auto;filter:brightness(0) invert(1)}
    #dr-logo-fb{font-size:1.1rem;font-weight:800;color:#fff;display:none}
    #dr-sep{width:1px;height:24px;background:rgba(255,255,255,.3)}
    #dr-title{font-size:.9rem;font-weight:600;color:rgba(255,255,255,.9);flex:1;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
    #dr-close{margin-left:auto;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:6px;padding:6px 14px;font-size:.82rem;font-weight:600;cursor:pointer;font-family:'Inter',sans-serif;transition:background .15s;flex-shrink:0}
    #dr-close:hover{background:rgba(255,255,255,.28)}
    #dr-body{flex:1;display:flex;flex-direction:column;overflow:hidden;position:relative}
    /* Loading */
    #dr-loading{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:16px;background:#fff;z-index:2}
    .spinner{width:44px;height:44px;border:3px solid var(--border);border-top-color:var(--blue);border-radius:50%;animation:spin .8s linear infinite}
    @keyframes spin{to{transform:rotate(360deg)}}
    #dr-loading p{font-size:.88rem;color:var(--text-l)}
    /* Fallback si iframe bloqué */
    #dr-fallback{position:absolute;inset:0;display:none;align-items:center;justify-content:center;flex-direction:column;gap:16px;padding:40px;text-align:center;background:#fff;z-index:2}
    #dr-fallback h3{font-size:1.1rem;font-weight:700;color:var(--text)}
    #dr-fallback p{font-size:.88rem;color:var(--text-m);max-width:400px;line-height:1.7}
    .dr-fb-btns{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:8px}
    /* iframe */
    #dr-frame{flex:1;border:none;width:100%;height:100%;display:none}

    /* ─── RESPONSIVE ─── */
    @media(max-width:1024px){
      .products-grid{grid-template-columns:repeat(2,1fr)}
      .footer-grid{grid-template-columns:1fr 1fr}
      .compare-grid{grid-template-columns:1fr}
      .solutions-grid{grid-template-columns:1fr}
    }
    @media(max-width:768px){
      .nav-links,.nav-actions{display:none}
      .nav-tag,.nav-sep{display:none}
      .nav-inner{gap:12px}
      .nav-logo img{height:40px;max-width:190px}
      .nav-hamburger{display:flex;margin-left:auto;flex-shrink:0}
      .hero-inner{grid-template-columns:1fr}
      .hero-stats{display:none}
      .products-grid{grid-template-columns:1fr}
      .filter-search{display:none}
      .footer-grid{grid-template-columns:1fr}
      .footer-bottom{flex-direction:column}
      .steps-grid{grid-template-columns:1fr}
      .steps-grid::before{display:none}
      .dark-row{grid-template-columns:1fr}
      .home-blog-grid{grid-template-columns:1fr!important}
    }
    @media(prefers-reduced-motion:reduce){.cycle,}
\n/* InsurPro V2 */.hero-accent{color:var(--teal);font-style:italic}.products-intro{margin:-14px 0 26px;color:var(--text-m);font-size:.88rem;max-width:760px;line-height:1.65}.card-mode{display:inline-flex;align-items:center;border-radius:99px;padding:4px 9px;margin-bottom:10px;font-size:.64rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.card-mode-online{background:#ECFDF5;color:#047857;border:1px solid #A7F3D0}.card-mode-study{background:#FFF7ED;color:#C2410C;border:1px solid #FED7AA}.card[role="link"]:focus{outline:3px solid rgba(59,130,246,.25);outline-offset:2px}.compare-col:not(.good) .compare-row{color:var(--text);font-weight:500}@media(max-width:720px){.products-intro{margin-top:-18px}.hero-actions .btn{width:100%;justify-content:center}}\n

/* --- InsurPro V3 automobile specialty --- */
.auto-specialty-strip{display:flex;align-items:center;gap:16px;margin:0 0 24px;padding:16px 18px;border:1px solid #BFDBFE;border-radius:12px;background:linear-gradient(135deg,#EFF6FF 0%,#F8FAFC 100%);color:#0F172A;text-decoration:none;transition:.18s ease}
.auto-specialty-strip:hover{border-color:#60A5FA;transform:translateY(-1px);box-shadow:0 8px 24px rgba(15,23,42,.07)}
.auto-specialty-icon{display:grid;place-items:center;flex:0 0 44px;width:44px;height:44px;border-radius:11px;background:#0F172A;font-size:1.25rem}
.auto-specialty-copy{display:flex;flex:1;min-width:0;flex-direction:column;gap:3px}.auto-specialty-copy strong{font-size:.94rem}.auto-specialty-copy small{font-size:.77rem;line-height:1.5;color:#475569}
.auto-specialty-cta{font-size:.78rem;font-weight:800;color:#2563EB;white-space:nowrap}
.auto-feature-card{border-color:#93C5FD!important;box-shadow:0 10px 28px rgba(37,99,235,.08)}
.auto-feature-card .card-cat{color:#1D4ED8}.vsp-card .card-cat{color:#7C3AED}
@media(max-width:720px){.auto-specialty-strip{align-items:flex-start}.auto-specialty-cta{display:none}.auto-specialty-copy small{font-size:.74rem}}

/* V5.4.27 — mise en avant des risques difficiles */
.difficult-risk-strip{display:flex;align-items:center;gap:16px;margin:-8px 0 26px;padding:18px;border:1px solid #FDE68A;border-radius:12px;background:linear-gradient(135deg,#FFFBEB 0%,#FFF7ED 100%);color:#0F172A;text-decoration:none;transition:.18s ease}
.difficult-risk-strip:hover{border-color:#F59E0B;transform:translateY(-1px);box-shadow:0 8px 24px rgba(15,23,42,.07)}
.difficult-risk-icon{width:42px;height:42px;display:grid;place-items:center;border-radius:12px;background:#fff;border:1px solid #FDE68A;font-size:1.25rem;flex:0 0 auto}
.difficult-risk-copy{display:flex;flex-direction:column;gap:3px;min-width:0;flex:1}.difficult-risk-copy strong{font-size:.92rem;color:#0F172A}.difficult-risk-copy small{font-size:.78rem;line-height:1.5;color:#64748B}
.difficult-risk-cta{font-size:.78rem;font-weight:800;color:#B45309;white-space:nowrap}
.niche-priority-card{border-color:#F59E0B!important;box-shadow:0 12px 30px rgba(180,83,9,.08)}
@media(max-width:720px){.difficult-risk-strip{align-items:flex-start}.difficult-risk-cta{display:none}.difficult-risk-copy small{font-size:.74rem}}