/* Page particuliers - hero clair et premium */
.particulier-page .insurance-hero {
  position: relative;
  overflow: hidden;
  padding: 88px 0 72px;
  background: linear-gradient(180deg, #ffffff 0%, #fbfcfd 44%, #f3f8fb 100%);
  border-bottom: 1px solid rgba(220, 229, 238, 0.9);
}

.particulier-page .insurance-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(183, 146, 80, 0.08), transparent 38%),
    linear-gradient(135deg, transparent 0%, rgba(11, 95, 143, 0.06) 100%);
  pointer-events: none;
}

.particulier-page .insurance-hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 430px;
  gap: 76px;
  align-items: center;
}

.particulier-page .insurance-hero-copy {
  max-width: 720px;
}

.particulier-page .insurance-kicker {
  display: inline-flex;
  align-items: center;
  margin-bottom: 20px;
  padding: 8px 12px;
  border: 1px solid rgba(183, 146, 80, 0.28);
  border-radius: 999px;
  color: var(--brand-dark);
  background: rgba(183, 146, 80, 0.1);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.particulier-page .insurance-hero h1 {
  max-width: 700px;
  margin: 0;
  color: var(--ink);
  font-size: clamp(46px, 5vw, 68px);
  line-height: 1.02;
  letter-spacing: 0;
}

.particulier-page .insurance-hero-copy > p {
  max-width: 640px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 19px;
  line-height: 1.72;
}

.particulier-page .insurance-phone-link {
  min-height: 50px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--brand);
  font-weight: 800;
  text-decoration: none;
}

.particulier-page .insurance-proof-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 30px;
}

.particulier-page .insurance-proof {
  display: flex;
  align-items: center;
  gap: 10px;
  min-height: 54px;
  padding: 12px 14px;
  border: 1px solid rgba(220, 229, 238, 0.95);
  border-radius: 8px;
  color: var(--ink);
  background: rgba(255, 255, 255, 0.88);
  font-size: 14px;
  font-weight: 800;
  box-shadow: 0 8px 22px rgba(19, 34, 56, 0.04);
}

.particulier-page .insurance-proof span {
  display: inline-grid;
  place-items: center;
  flex: 0 0 auto;
  width: 26px;
  height: 26px;
  border-radius: 8px;
  color: var(--success);
  background: rgba(13, 122, 95, 0.1);
}

.particulier-page .insurance-audit-panel {
  position: relative;
  padding: 30px;
  border: 1px solid rgba(220, 229, 238, 0.95);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 24px 60px rgba(19, 34, 56, 0.14);
}

.particulier-page .insurance-audit-panel::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  border-radius: 8px 8px 0 0;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
}

.particulier-page .insurance-panel-label {
  display: inline-block;
  margin-bottom: 12px;
  color: var(--brand);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.particulier-page .insurance-audit-panel h2 {
  margin: 0;
  color: var(--ink);
  font-size: 30px;
  line-height: 1.08;
}

.particulier-page .insurance-audit-panel p {
  margin: 14px 0 0;
  color: var(--muted);
  line-height: 1.6;
}

.particulier-page .insurance-form {
  display: grid;
  gap: 12px;
  margin-top: 22px;
}

.particulier-page .insurance-form input,
.particulier-page .insurance-form select {
  min-height: 50px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 14px;
  color: var(--ink);
  background: #fff;
  font: inherit;
}

.particulier-page .insurance-form input:focus,
.particulier-page .insurance-form select:focus {
  outline: 2px solid rgba(183, 146, 80, 0.24);
  border-color: rgba(183, 146, 80, 0.55);
}

.particulier-page .insurance-form .btn-primary {
  width: 100%;
  border: 0;
  cursor: pointer;
}

.particulier-page .insurance-note {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.45;
}