/* =========================================
   HERO ASSURANCE & FINANCE — IMAGE FOND DROITE
   ========================================= */

.af-hero {
  position: relative;
  min-height: 100vh;
  overflow: hidden;
  color: var(--white);
  background: linear-gradient(135deg,  var(--primary) 0%, #137CB4 100%);
}

/* --- IMAGE DE FOND DROITE --- */
.af-hero-bg-image {
  position: absolute;
  top: 0;
  right: 0;
  width: 60%;
  height: 100%;
  background-image: url('https://images.pexels.com/photos/7821485/pexels-photo-7821485.jpeg?auto=compress&cs=tinysrgb&fit=crop&w=1400&h=1600');
  background-size: cover;
  background-position: center;
  opacity: 0.95;
  z-index: 1;
  pointer-events: none;

  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 100%);
  mask-image: linear-gradient(to right, transparent 0%, black 100%);
}

/* --- Effet de sol (glow en bas) --- */
.af-hero::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 20vh;
  background: linear-gradient(to top, rgba(15, 35, 65, 0.4), transparent);
  z-index: 2;
  pointer-events: none;
}

/* === INNER : copie exacte du comportement home === */
.af-hero .af-hero-inner {
  position: relative;
  z-index: 4;
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  padding-top: calc(var(--pw-header-h, 92px) + 40px);
  padding-bottom: 60px;
}

.af-hero .af-hero-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  text-align: left;
  width: 100%;
  max-width: 650px;
  padding-left: 0; /* ← plus de padding-left parasite */
}

.af-hero .af-hero-content h1 {
  color: var(--white);
  font-size: clamp(40px, 3.6vw, 64px);
  line-height: 1.12;
  letter-spacing: -2px;
  font-weight: 800;
  max-width: 620px;
}

.af-hero .af-hero-content p {
  max-width: 600px;
  margin-top: 40px;
  color: var(--white);
  font-size: clamp(16px, 1.05vw, 19px);
  line-height: 1.5;
  font-weight: 500;
}

.af-hero .af-hero-actions {
  margin-top: 56px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

/* === BOUTONS === */
.af-hero .af-btn {
  height: 62px;
  padding: 0 28px;
  border-radius: 999px;
  font-size: 17px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  text-decoration: none;
  transition: transform 0.25s ease, background 0.25s ease, color 0.25s ease;
}

.af-hero .af-btn:hover {
  transform: translateY(-3px);
}

.af-hero .af-btn-light {
  min-width: 260px;
  background: var(--white);
  color: var(--primary);
}

.af-hero .af-btn-light:hover {
  color: var(--secondary);
}

.af-hero .af-btn-outline {
  min-width: 240px;
  border: 2px solid var(--white);
  color: var(--white);
}

.af-hero .af-btn-outline:hover {
  background: var(--white);
  color: var(--primary);
}

/* === PARTICLES === */
.af-particles {
  position: absolute;
  inset: 0;
  z-index: 3;
  pointer-events: none;
  overflow: hidden;
}

.af-dot {
  position: absolute;
  display: block;
  border-radius: 50%;
  background: var(--white);
  opacity: 0.65;
  animation-name: afFloat;
  animation-timing-function: ease-in-out;
  animation-iteration-count: infinite;
}

@keyframes afFloat {
  0%, 100% { transform: translate3d(0, 0, 0); }
  50%       { transform: translate3d(var(--move-x), var(--move-y), 0); }
}

/* ========== RESPONSIVE ========== */

@media (max-width: 1100px) {
  .af-hero .af-hero-bg-image {
    width: 100%;
    height: 100%;
    opacity: 0.4;
    -webkit-mask-image: linear-gradient(to bottom, black 40%, transparent 100%);
    mask-image: linear-gradient(to bottom, black 40%, transparent 100%);
  }

  .af-hero .af-hero-inner {
    justify-content: flex-start;
    padding-top: calc(var(--pw-header-h, 88px) + 32px);
    padding-bottom: 50px;
    text-align: left;
  }

  .af-hero .af-hero-content {
    padding-left: 0;
    width: 100%;
    max-width: 560px;
    align-items: flex-start;
    margin: 0;
  }

  .af-hero .af-hero-content h1 {
    font-size: clamp(32px, 5vw, 48px);
    max-width: 100%;
    letter-spacing: -1.5px;
  }

  .af-hero .af-hero-content p {
    margin-top: 24px;
    max-width: 100%;
    font-size: clamp(15px, 2vw, 18px);
  }

  .af-hero .af-hero-actions {
    margin-top: 32px;
    width: 100%;
    justify-content: flex-start;
  }
}

@media (max-width: 580px) {
  .af-hero .af-hero-inner {
    padding-top: calc(var(--pw-header-h, 88px) + 24px);
    padding-bottom: 40px;
  }

  .af-hero .af-hero-content h1 {
    font-size: clamp(28px, 8vw, 40px);
    letter-spacing: -1px;
  }

  .af-hero .af-hero-content p {
    margin-top: 20px;
    font-size: 15px;
  }

  .af-hero .af-hero-actions {
    margin-top: 28px;
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }

  .af-hero .af-btn {
    width: 100%;
    min-width: 0;
    height: 54px;
    font-size: 15px;
  }
}

@media (max-width: 380px) {
  .af-hero .af-hero-inner {
    padding-top: calc(var(--pw-header-h, 88px) + 20px);
  }

  .af-hero .af-hero-content h1 {
    font-size: 26px;
  }
}







































/* =========================================
   SECTION 02 — CHIFFRES CLÉS ASSURANCE & FINANCE
   ========================================= */

.af-chiffres {
  padding: 70px 0 80px;
  background: #0F2341;
  font-family: 'Gevora Regular', 'Poppins', sans-serif;
  overflow: hidden;
}

/* Header */
.af-chiffres-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 55px;
}

.af-chiffres-eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2.5px;
  color: #137CB4;
  background: rgba(0, 174, 239, 0.1);
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 18px;
  border: 1px solid rgba(0, 174, 239, 0.2);
}

.af-chiffres-title {
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.15;
  letter-spacing: -1px;
  margin: 0;
}



/* Grille */
.af-chiffres-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 20px;
  max-width: 1320px;
  margin: 0 auto;
}

/* Carte */
.af-chiffre-card {
  position: relative;
  border-radius: 24px;
  padding: 36px 28px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 280px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.af-chiffre-card-large {
  min-height: 340px;
  background: linear-gradient(160deg, #137CB4 0%, #1C6DD0 100%);
}

.af-chiffre-card:not(.af-chiffre-card-large) {
  background: linear-gradient(160deg, #1a2e4a 0%, #0f1f35 100%);
}

/* Pattern de fond */
.af-chiffre-bg-grid {
  position: absolute;
  inset: 0;
  background-image: 
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
  opacity: 0.6;
}

/* Icône */
.af-chiffre-icon {
  position: absolute;
  top: 24px;
  left: 24px;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,0.1);
  color: #ffffff;
}

.af-chiffre-card-large .af-chiffre-icon {
  background: rgba(255,255,255,0.15);
}

/* Nombre */
.af-chiffre-number {
  position: relative;
  z-index: 2;
  font-size: clamp(48px, 5vw, 72px);
  font-weight: 800;
  color: #ffffff;
  line-height: 1;
  letter-spacing: -2px;
  margin-bottom: 12px;
}

.af-chiffre-card-large .af-chiffre-number {
  font-size: clamp(56px, 6vw, 84px);
}

/* Label */
.af-chiffre-label {
  position: relative;
  z-index: 2;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
}

/* Responsive */
@media (max-width: 1080px) {
  .af-chiffres-grid {
    grid-template-columns: 1fr 1fr;
    gap: 18px;
  }
  .af-chiffre-card-large {
    grid-column: span 2;
  }
}

@media (max-width: 640px) {
  .af-chiffres {
    padding: 50px 0 60px;
  }
  .af-chiffres-header {
    margin-bottom: 40px;
  }
  .af-chiffres-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .af-chiffre-card-large {
    grid-column: span 1;
    min-height: 280px;
  }
}



































/* =========================================
   SECTION 03 — VOS DÉFIS, NOS RÉPONSES
   ========================================= */

.af-defis {
  padding: 90px 0;
  background: #ffffff;
  font-family: 'Gevora Regular', 'Poppins', sans-serif;
}

.af-defis-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}

.af-defis-eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  color: #137CB4;
  background: rgba(0, 174, 239, 0.1);
  padding: 6px 18px;
  border-radius: 999px;
  margin-bottom: 16px;
  letter-spacing: 1.5px;
}

.af-defis-title {
  font-size: clamp(32px, 3.2vw, 44px);
  font-weight: 800;
  color: #0F2341;
  line-height: 1.15;
  margin: 0 0 16px;
}

.af-defis-title span {
  color: #1C6DD0;
}

.af-defis-subtitle {
  font-size: 17px;
  color: #5b6b7e;
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Grille 2 colonnes */
.af-defis-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  max-width: 1200px;
  margin: 0 auto;
}

/* Colonnes */
.af-defis-column {
  background: #ffffff;
  border-radius: 24px;
  padding: 42px 38px;
  border: 1px solid #eef1f6;
  box-shadow: 0 10px 30px rgba(15, 35, 65, 0.05);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.af-defis-column:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(15, 35, 65, 0.08);
}

/* En-tête de colonne */
.af-defis-column-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 32px;
}

.af-defis-column-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.af-defis-column--challenges .af-defis-column-icon {
  background: #FFF3E6;
  color: #F08020;
}

.af-defis-column--solutions .af-defis-column-icon {
  background: #EAF7FE;
  color: #137CB4;
}

.af-defis-column-header h3 {
  font-size: 22px;
  font-weight: 800;
  color: #0F2341;
  margin: 0;
}

/* Liste */
.af-defis-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.af-defis-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  font-size: 16px;
  line-height: 1.6;
  color: #334155;
}

.af-defis-bullet {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-top: 9px;
  flex-shrink: 0;
}

.af-defis-column--challenges .af-defis-bullet {
  background: #F08020;
}

.af-defis-column--solutions .af-defis-bullet {
  background: #137CB4;
}

/* Responsive */
@media (max-width: 900px) {
  .af-defis-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
}

@media (max-width: 600px) {
  .af-defis {
    padding: 70px 0;
  }
  .af-defis-column {
    padding: 32px 26px;
  }
}




















































/* =========================================
   SECTION 05 : PROCESSUS DE COLLABORATION (STICKY)
   ========================================= */

.af-process-sticky {
  padding: 100px 0;
  background: #ffffff;
}

.af-process-sticky-grid {
  display: grid;
  grid-template-columns: 420px minmax(0, 1fr);
  gap: 56px;
  align-items: start;
}

/* COLONNE GAUCHE STICKY */
.af-process-sticky-side {
  position: sticky;
  top: 120px;
}

.af-process-side-kicker {
  display: inline-block;
  margin-bottom: 18px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(0, 174, 239, 0.09);
  color: #137CB4;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1.8px;
  text-transform: uppercase;
}

.af-process-sticky-side h2 {
  margin: 0;
  color: #0F2341;
  font-size: clamp(34px, 3.6vw, 56px);
  line-height: 1.1;
  letter-spacing: -1.5px;
  font-weight: 800;
}

.af-process-sticky-side p {
  margin: 26px 0 0;
  color: #5b6678;
  font-size: 17px;
  text-align: justify;
  line-height: 1.7;
  max-width: 390px;
}

.af-process-side-actions {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-top: 34px;
}

/* ---- BASE BOUTON (nécessaire ici aussi) ---- */
.af-btn {
  height: 62px;
  padding: 0 28px;
  border-radius: 999px;
  font-size: 17px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
  text-decoration: none;
  transition: transform 0.25s ease, background 0.25s ease,
              color 0.25s ease, box-shadow 0.25s ease,
              border-color 0.25s ease;
}

.af-btn:hover {
  transform: translateY(-3px);
}

/* ---- VARIANTES ---- */
.af-btn-primary-solid {
  background: linear-gradient(135deg, #137CB4 0%, #1C6DD0 100%);
  color: #ffffff;
  box-shadow: 0 14px 28px rgba(0, 174, 239, 0.18);
  border: none;
}

.af-btn-primary-solid:hover {
  color: #ffffff;
  box-shadow: 0 18px 32px rgba(0, 174, 239, 0.25);
}

.af-btn-ghost-blue {
  border: 2px solid rgba(28, 109, 208, 0.16);
  color: #1C6DD0;
  background: #ffffff;
}

.af-btn-ghost-blue:hover {
  background: rgba(0, 174, 239, 0.06);
  color: #0F2341;
  border-color: rgba(0, 174, 239, 0.3);
}

/* COLONNE DROITE : CONTENU */
.af-process-sticky-content {
  display: flex;
  flex-direction: column;
  gap: 42px;
}

.af-process-info-card {
  background: #ffffff;
  border: 1px solid #ebf1f7;
  border-radius: 32px;
  padding: 48px;
  box-shadow: 0 18px 55px rgba(15, 35, 65, 0.06);
}

.af-process-info-card h3 {
  margin: 0 0 40px;
  color: #0F2341;
  font-size: clamp(24px, 2.2vw, 32px);
  line-height: 1.2;
  letter-spacing: -0.5px;
  font-weight: 800;
  border-bottom: 2px solid #f4f8fc;
  padding-bottom: 24px;
}

/* TIMELINE VERTICALE */
.af-process-timeline {
  display: flex;
  flex-direction: column;
}

.af-process-step {
  position: relative;
  display: flex;
  align-items: center;
  gap: 24px;
  padding-bottom: 40px;
}

.af-process-step:not(:last-child)::before {
  content: '';
  position: absolute;
  top: 48px;
  left: 23px;
  bottom: 0;
  width: 2px;
  background: #e4edf6;
}

.af-process-step-indicator {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: #EAF7FE;
  border: 2px solid #ffffff;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(0, 174, 239, 0.15);
}

.af-process-step-num {
  font-size: 15px;
  font-weight: 800;
  color: #137CB4;
}

.af-process-step-content {
  flex: 1;
  background: #f8fafd;
  padding: 20px 24px;
  border-radius: 16px;
  border: 1px solid #e4edf6;
  transition: transform 0.25s ease, border-color 0.25s ease;
}

.af-process-step-content:hover {
  transform: translateX(4px);
  border-color: #137CB4;
}

.af-process-step-content h4 {
  margin: 0;
  font-size: 18px;
  font-weight: 500;
  color: #334155;
  line-height: 1.4;
}

.af-process-step-content h4 strong {
  color: #0F2341;
  font-weight: 800;
}

/* ========== RESPONSIVE ========== */

@media (max-width: 1180px) {
  .af-process-sticky-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .af-process-sticky-side {
    position: relative;
    top: 0;
  }

  .af-process-sticky-side p {
    max-width: 100%;
  }

  .af-process-side-actions {
    flex-direction: row;
    flex-wrap: wrap;
  }
}

@media (max-width: 767px) {
  .af-process-sticky {
    padding: 70px 0;
  }

  .af-process-info-card {
    padding: 24px;
    border-radius: 24px;
  }

  .af-process-side-actions {
    flex-direction: column;
  }

  .af-btn {
    width: 100%;
    min-width: 0;
  }

  .af-process-step {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding-bottom: 32px;
  }

  .af-process-step:not(:last-child)::before {
    display: none;
  }

  .af-process-step-content {
    width: 100%;
  }
}