@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,500;1,400;1,500&family=Inter:wght@400;500&display=swap');

:root {
  --ink: #1C1C1A;
  --ink-mid: #4A4845;
  --ink-soft: #9A9895;
  --paper: #F7F6F2;
  --white: #FFFFFF;
  --accent: #C4622D;
  --accent-light: #FAF0EB;
  --green: #2A6B4F;
  --green-light: #EBF4EF;
  --border: rgba(28,28,26,0.1);
  --border-mid: rgba(28,28,26,0.18);
  --max: 1040px;
  --max-prose: 680px;
  --font-serif: 'Lora', Georgia, serif;
  --font-sans: 'Inter', system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: var(--font-sans); background: var(--paper); color: var(--ink); line-height: 1.6; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* NAV */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247,246,242,0.93);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: var(--max); margin: 0 auto; padding: 0 1.5rem;
  height: 56px; display: flex; align-items: center; justify-content: space-between; gap: 2rem;
}
.nav-logo { font-family: var(--font-serif); font-size: 20px; font-style: italic; color: var(--ink); }
.nav-logo span { color: var(--accent); font-style: normal; }
.nav-links { display: flex; gap: 0; list-style: none; }
.nav-links a { font-size: 13px; color: var(--ink-mid); padding: 6px 10px; transition: color .15s; }
.nav-links a:hover { color: var(--ink); }
.nav-right { display: flex; gap: 8px; align-items: center; }
.lang-btn { font-size: 12px; font-weight: 500; padding: 5px 9px; border: 1px solid var(--border-mid); border-radius: 3px; background: none; cursor: pointer; color: var(--ink-soft); transition: all .15s; }
.lang-btn.active { background: var(--ink); color: var(--white); border-color: var(--ink); }
.nav-sub { font-size: 12px; font-weight: 500; color: var(--accent); border-bottom: 1px solid var(--accent); padding-bottom: 1px; }

/* HERO BLOG */
.site-header {
  max-width: var(--max); margin: 0 auto; padding: 4rem 1.5rem 3rem;
  display: grid; grid-template-columns: 1fr 340px; gap: 5rem; align-items: start;
}
.site-header-left {}
.site-kicker {
  font-family: var(--font-sans); font-size: 11px; font-weight: 500;
  letter-spacing: .12em; text-transform: uppercase; color: var(--accent);
  margin-bottom: 1.25rem;
}
.site-title {
  font-family: var(--font-serif); font-size: clamp(34px, 4vw, 52px);
  line-height: 1.1; letter-spacing: -.01em; color: var(--ink);
  margin-bottom: 1.5rem;
}
.site-title em { font-style: italic; }
.site-desc {
  font-size: 15px; color: var(--ink-mid); line-height: 1.75;
  margin-bottom: 2rem; max-width: 460px;
  border-left: 2px solid var(--accent); padding-left: 1rem;
}
.site-desc strong { color: var(--ink); font-weight: 500; }
.site-actions { display: flex; gap: 1rem; align-items: center; }
.btn-sub {
  font-size: 13px; font-weight: 500; background: var(--accent); color: white;
  padding: 10px 18px; border-radius: 3px; border: none; cursor: pointer; transition: background .15s;
}
.btn-sub:hover { background: #a8521f; }
.btn-browse { font-size: 13px; color: var(--ink-mid); border-bottom: 1px solid var(--border-mid); padding-bottom: 1px; }

.about-card {
  background: var(--white); border: 1px solid var(--border); border-radius: 6px;
  padding: 1.5rem; margin-top: .5rem;
}
.about-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--accent-light); border: 2px solid var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-size: 20px; font-style: italic;
  color: var(--accent); margin-bottom: 1rem;
}
.about-name { font-size: 15px; font-weight: 500; color: var(--ink); margin-bottom: 2px; }
.about-role { font-size: 12px; color: var(--ink-soft); margin-bottom: 1rem; }
.about-bio { font-size: 13px; color: var(--ink-mid); line-height: 1.7; margin-bottom: 1rem; }
.about-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.about-tag {
  font-size: 11px; color: var(--ink-mid); background: var(--paper);
  border: 1px solid var(--border); padding: 3px 8px; border-radius: 3px;
}

/* DIVIDER */
.section-divider {
  max-width: var(--max); margin: 0 auto; padding: 0 1.5rem;
  border-top: 1px solid var(--border); display: flex; align-items: center; gap: 1rem;
  padding-top: 2.5rem; margin-bottom: 2.5rem;
}
.section-divider-label {
  font-family: var(--font-serif); font-size: 18px; font-style: italic; color: var(--ink);
  white-space: nowrap;
}
.section-divider-line { flex: 1; height: 1px; background: var(--border); }
.section-divider-link { font-size: 12px; color: var(--accent); white-space: nowrap; border-bottom: 1px solid var(--accent); padding-bottom: 1px; }

/* FEATURED ARTICLE */
.featured-article {
  max-width: var(--max); margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1fr 1fr; gap: 3rem;
  align-items: start; margin-bottom: 3rem;
}
.featured-img {
  aspect-ratio: 4/3; background: var(--green-light);
  border-radius: 4px; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  font-size: 56px;
}
.featured-body {}
.art-kicker {
  font-size: 11px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase;
  color: var(--accent); margin-bottom: .75rem;
}
.featured-title {
  font-family: var(--font-serif); font-size: clamp(22px, 2.5vw, 30px);
  line-height: 1.25; letter-spacing: -.01em; color: var(--ink);
  margin-bottom: 1rem;
}
.featured-title em { font-style: italic; }
.featured-excerpt { font-size: 14px; color: var(--ink-mid); line-height: 1.75; margin-bottom: 1.25rem; }
.featured-meta { display: flex; align-items: center; gap: 1rem; }
.read-link { font-size: 13px; font-weight: 500; color: var(--accent); border-bottom: 1px solid var(--accent); padding-bottom: 1px; }
.art-time { font-size: 12px; color: var(--ink-soft); }

/* ARTICLE GRID */
.articles-section { max-width: var(--max); margin: 0 auto; padding: 0 1.5rem; margin-bottom: 4rem; }
.articles-list { display: flex; flex-direction: column; gap: 0; }
.article-row {
  display: grid; grid-template-columns: 80px 1fr; gap: 1.25rem;
  padding: 1.25rem 0; border-bottom: 1px solid var(--border);
  align-items: start; cursor: pointer; transition: opacity .15s;
}
.article-row:hover { opacity: .75; }
.article-row:first-child { border-top: 1px solid var(--border); }
.row-img {
  width: 80px; height: 80px; border-radius: 4px; overflow: hidden;
  background: var(--accent-light); display: flex; align-items: center; justify-content: center; font-size: 28px; flex-shrink: 0;
}
.row-kicker { font-size: 11px; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--accent); margin-bottom: 4px; }
.row-title { font-family: var(--font-serif); font-size: 16px; color: var(--ink); line-height: 1.4; margin-bottom: 5px; }
.row-excerpt { font-size: 13px; color: var(--ink-mid); line-height: 1.6; margin-bottom: 6px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
.row-meta { font-size: 11px; color: var(--ink-soft); }

/* NEWSLETTER BAND */
.nl-band {
  background: var(--ink); padding: 3.5rem 0; margin: 2rem 0;
}
.nl-inner {
  max-width: var(--max); margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.nl-left {}
.nl-title {
  font-family: var(--font-serif); font-size: clamp(22px, 3vw, 34px);
  color: white; line-height: 1.2; margin-bottom: 1rem;
}
.nl-title em { font-style: italic; color: #C4895A; }
.nl-desc { font-size: 14px; color: rgba(255,255,255,.6); line-height: 1.75; }
.nl-right {}
.nl-form { display: flex; flex-direction: column; gap: 10px; }
.nl-inputs { display: flex; }
.nl-input {
  flex: 1; padding: 11px 14px; font-family: var(--font-sans); font-size: 13px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-right: none; border-radius: 3px 0 0 3px; color: white; outline: none;
}
.nl-input::placeholder { color: rgba(255,255,255,.3); }
.nl-btn {
  padding: 11px 16px; background: var(--accent); color: white; border: none;
  font-family: var(--font-sans); font-size: 13px; font-weight: 500;
  border-radius: 0 3px 3px 0; cursor: pointer; white-space: nowrap;
}
.nl-note { font-size: 11px; color: rgba(255,255,255,.3); }
.nl-perks { list-style: none; margin-top: 1.25rem; display: flex; flex-direction: column; gap: 8px; }
.nl-perks li { font-size: 13px; color: rgba(255,255,255,.7); display: flex; align-items: center; gap: 8px; }
.nl-perks li::before { content: '—'; color: var(--accent); font-weight: 500; }

/* FOOTER */
footer { border-top: 1px solid var(--border); }
.footer-inner {
  max-width: var(--max); margin: 0 auto; padding: 2.5rem 1.5rem;
  display: flex; justify-content: space-between; align-items: start; gap: 3rem;
}
.footer-brand .nav-logo { margin-bottom: .5rem; }
.footer-brand p { font-size: 13px; color: var(--ink-soft); max-width: 260px; line-height: 1.6; }
.footer-col h4 { font-size: 12px; font-weight: 500; color: var(--ink); margin-bottom: .75rem; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 7px; }
.footer-col ul li a { font-size: 13px; color: var(--ink-soft); transition: color .15s; }
.footer-col ul li a:hover { color: var(--accent); }
.footer-bottom {
  max-width: var(--max); margin: 0 auto; padding: 1.25rem 1.5rem;
  border-top: 1px solid var(--border); font-size: 12px; color: var(--ink-soft);
  display: flex; justify-content: space-between;
}

/* ARTICLE PAGE */
.article-header { background: var(--white); border-bottom: 1px solid var(--border); padding: 3.5rem 0 3rem; }
.article-header-inner { max-width: var(--max-prose); margin: 0 auto; padding: 0 1.5rem; }
.breadcrumb { display: flex; align-items: center; gap: 6px; font-size: 12px; color: var(--ink-soft); margin-bottom: 1.5rem; }
.breadcrumb a { color: var(--accent); }
.article-kicker { font-size: 11px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--accent); margin-bottom: .75rem; }
.article-h1 { font-family: var(--font-serif); font-size: clamp(26px, 3.5vw, 40px); line-height: 1.15; letter-spacing: -.01em; color: var(--ink); margin-bottom: 1.25rem; }
.article-lede { font-size: 17px; color: var(--ink-mid); line-height: 1.7; margin-bottom: 1.5rem; font-style: italic; }
.article-meta-bar { display: flex; align-items: center; gap: 1rem; font-size: 12px; color: var(--ink-soft); padding-top: 1.25rem; border-top: 1px solid var(--border); }
.meta-sep { color: var(--border-mid); }

.article-layout { max-width: var(--max); margin: 0 auto; padding: 3rem 1.5rem; display: grid; grid-template-columns: 1fr 280px; gap: 5rem; align-items: start; }
.article-content {}
.article-content h2 { font-family: var(--font-serif); font-size: 24px; color: var(--ink); margin: 2.5rem 0 .875rem; letter-spacing: -.01em; }
.article-content h3 { font-size: 16px; font-weight: 500; color: var(--ink); margin: 1.75rem 0 .625rem; }
.article-content p { font-size: 16px; color: var(--ink-mid); line-height: 1.85; margin-bottom: 1.25rem; }
.article-content ul, .article-content ol { margin: .875rem 0 1.25rem 1.25rem; display: flex; flex-direction: column; gap: 5px; }
.article-content li { font-size: 16px; color: var(--ink-mid); line-height: 1.7; }
.article-content strong { color: var(--ink); font-weight: 500; }
.article-content em { font-style: italic; }
.article-content a { color: var(--accent); border-bottom: 1px solid rgba(196,98,45,.3); }
.article-content a:hover { border-color: var(--accent); }

.callout { background: var(--accent-light); border-left: 3px solid var(--accent); border-radius: 0 4px 4px 0; padding: 1rem 1.25rem; margin: 1.5rem 0; }
.callout p { font-size: 14px; color: var(--ink); margin: 0; line-height: 1.7; }
.callout-green { background: var(--green-light); border-left-color: var(--green); }
.callout-green p { color: var(--ink); }

.art-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: 14px; }
.art-table th { text-align: left; padding: 9px 12px; font-size: 11px; font-weight: 500; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-soft); border-bottom: 2px solid var(--border-mid); }
.art-table td { padding: 11px 12px; border-bottom: 1px solid var(--border); color: var(--ink-mid); vertical-align: top; }
.art-table tr:last-child td { border-bottom: none; }
.art-table td strong { color: var(--ink); }

.reading-progress { position: fixed; top: 56px; left: 0; width: 0; height: 2px; background: var(--accent); z-index: 99; transition: width .1s; }

.sidebar { position: sticky; top: 76px; display: flex; flex-direction: column; gap: 1.5rem; }
.sb { background: var(--white); border: 1px solid var(--border); border-radius: 5px; padding: 1.25rem; }
.sb h4 { font-size: 12px; font-weight: 500; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 1rem; }
.toc { display: flex; flex-direction: column; gap: 6px; }
.toc a { font-size: 13px; color: var(--ink-mid); display: flex; align-items: center; gap: 8px; transition: color .15s; }
.toc a::before { content: ''; width: 3px; height: 3px; background: var(--border-mid); border-radius: 50%; flex-shrink: 0; }
.toc a:hover { color: var(--accent); }
.aff-box { background: var(--accent-light); border: 1px solid rgba(196,98,45,.2); border-radius: 5px; padding: 1.25rem; }
.aff-lbl { font-size: 10px; font-weight: 500; text-transform: uppercase; letter-spacing: .1em; color: var(--accent); margin-bottom: .5rem; }
.aff-box h4 { font-size: 14px; font-weight: 500; color: var(--ink); margin-bottom: .5rem; text-transform: none; letter-spacing: 0; }
.aff-box p { font-size: 13px; color: var(--ink-mid); line-height: 1.6; margin-bottom: .875rem; }
.aff-btn { display: block; text-align: center; background: var(--accent); color: white; font-size: 13px; font-weight: 500; padding: 9px; border-radius: 3px; }

/* INSURER CARDS */
.insurer-card { background: var(--white); border: 1px solid var(--border); border-radius: 5px; padding: 1.5rem; margin-bottom: 1.5rem; }
.insurer-card.top { border-color: var(--accent); }
.insurer-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 1rem; }
.insurer-name { font-family: var(--font-serif); font-size: 20px; color: var(--ink); }
.insurer-price { font-size: 13px; color: var(--ink-soft); text-align: right; }
.insurer-price strong { display: block; font-size: 22px; font-weight: 500; color: var(--ink); }
.score-row { display: flex; align-items: center; gap: 10px; margin: 5px 0; }
.score-lbl { font-size: 12px; color: var(--ink-soft); min-width: 80px; }
.score-track { flex: 1; height: 3px; background: var(--border); border-radius: 99px; overflow: hidden; }
.score-fill { height: 100%; background: var(--green); border-radius: 99px; }
.score-val { font-size: 12px; color: var(--ink-soft); min-width: 30px; text-align: right; }
.insurer-verdict { font-size: 14px; color: var(--ink-mid); line-height: 1.7; margin-top: 1rem; padding-top: 1rem; border-top: 1px solid var(--border); }
.top-badge { display: inline-block; font-size: 11px; font-weight: 500; background: var(--accent); color: white; padding: 3px 9px; border-radius: 3px; margin-bottom: .75rem; }
.aff-inline { display: inline-block; margin-top: 1rem; background: var(--accent); color: white; font-size: 13px; font-weight: 500; padding: 9px 16px; border-radius: 3px; }

/* LANG */
[data-lang] { display: none; }
body.lang-fr [data-lang="fr"],
body.lang-en [data-lang="en"] { display: block; }
body.lang-fr span[data-lang="fr"],
body.lang-en span[data-lang="en"],
body.lang-fr a[data-lang="fr"],
body.lang-en a[data-lang="en"] { display: inline; }

/* RESPONSIVE */
@media (max-width: 860px) {
  .site-header { grid-template-columns: 1fr; gap: 2.5rem; }
  .featured-article { grid-template-columns: 1fr; gap: 1.5rem; }
  .nl-inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer-inner { flex-wrap: wrap; gap: 2rem; }
  .article-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .site-header { padding: 2.5rem 1.25rem 2rem; }
  .section-divider, .featured-article, .articles-section { padding-left: 1.25rem; padding-right: 1.25rem; }
}