/* HELM — pages Insights statiques (générées par backups/outils/build_insights.js) */
:root{--blue:#12419C;--blue-deep:#0D2D68;--orange:#D7531C;--white:#FFFFFF;--bg:#F5F7FA;--text:#17263D;--text2:#5C6779;--line:#E1E6ED;--maxw:1180px;
  --font-h:'Manrope',system-ui,-apple-system,sans-serif;--font-b:'Inter',system-ui,-apple-system,sans-serif}
*{box-sizing:border-box}
html,body{max-width:100%;overflow-x:clip}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font-b);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--font-h);color:var(--blue-deep);line-height:1.2;margin:0 0 .5em}
h1{font-weight:800;letter-spacing:-.01em} h2{font-weight:800;letter-spacing:-.01em} h3{font-weight:700}
p{margin:0 0 1em}
a{color:var(--blue)}
img{max-width:100%;display:block}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
section{padding:64px 0}
.bg-white{background:var(--white)}
.kicker{font-family:var(--font-h);font-weight:700;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 22px;border-radius:8px;font-weight:600;font-size:.94rem;text-decoration:none;border:1.5px solid transparent;transition:transform .12s ease}
.btn:hover{transform:translateY(-1px)}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{filter:brightness(.93)}
.btn-outline{background:transparent;color:var(--blue-deep);border-color:var(--blue-deep)}
.btn-outline:hover{background:var(--blue-deep);color:#fff}
.btn-sm{padding:8px 16px;font-size:.85rem}
.skip-link{position:absolute;left:16px;top:-60px;z-index:200;background:var(--blue-deep);color:#fff;padding:10px 16px;border-radius:8px;font-weight:600;text-decoration:none}
.skip-link:focus{top:12px}
.st-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.st-row{display:flex;align-items:center;gap:28px;min-height:72px}
.st-logo img{height:40px;width:auto}
.st-nav{display:flex;gap:24px;margin-left:auto}
.st-nav a{color:var(--text);text-decoration:none;font-weight:600;font-size:.94rem;white-space:nowrap}
.st-nav a:hover,.st-nav a[aria-current]{color:var(--blue)}
.insight-crumbs{font-size:.88rem;color:rgba(255,255,255,.75);margin-bottom:18px}
.insight-crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.insight-crumbs li+li::before{content:"›";margin-right:6px;color:rgba(255,255,255,.5)}
.insight-crumbs a{color:#fff;text-decoration:none}
.insight-crumbs a:hover{text-decoration:underline}
.insight-crumbs [aria-current]{color:rgba(255,255,255,.75)}
.insight-index-grid{padding-top:56px}
.st-footer{background:var(--blue-deep);color:rgba(255,255,255,.75);padding:48px 0 28px;font-size:.92rem}
.st-footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:32px}
.st-footer img{height:44px;width:auto;margin-bottom:14px}
.st-footer h2{color:#fff;font-size:.85rem;margin-bottom:12px}
.st-footer a{display:block;color:rgba(255,255,255,.8);text-decoration:none;margin-bottom:8px}
.st-footer a:hover{color:#fff}
.st-footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:32px;padding-top:20px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:.84rem}
@media(max-width:900px){
  .st-row{flex-wrap:wrap;gap:0 16px;padding-top:12px}
  .st-row .btn{margin-left:auto}
  .st-nav{order:3;width:100%;margin:0;overflow-x:auto;gap:20px;padding:10px 0 12px}
  .st-footer-grid{grid-template-columns:1fr 1fr}
  .st-footer-grid>div:first-child{grid-column:1/-1}
}
@media(max-width:600px){
  .container{padding:0 16px}
  section{padding:44px 0}
  .st-logo img{height:34px}
  .st-nav{gap:18px}
}
.page-hero > .zl{--zl-o:.08;-webkit-mask-image:linear-gradient(100deg,transparent 35%,#000 90%);mask-image:linear-gradient(100deg,transparent 35%,#000 90%)}
.insight-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
@media(max-width:900px){.insight-grid{grid-template-columns:1fr}}
.insight-card{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:24px 22px;text-decoration:none;color:inherit;transition:box-shadow .15s ease,transform .15s ease}
.insight-card:hover{box-shadow:0 18px 40px -26px rgba(13,45,104,.45);transform:translateY(-2px)}
.insight-tag{align-self:flex-start;font-size:12px;font-weight:700;color:var(--orange);background:#FCEBE3;padding:4px 10px;border-radius:5px}
.insight-card h3{font-size:1.1rem;line-height:1.35;margin:14px 0 10px;color:var(--blue-deep)}
.insight-card p{color:var(--text2);font-size:.92rem;line-height:1.6;margin:0 0 18px;display:-webkit-box;-webkit-line-clamp:4;-webkit-box-orient:vertical;overflow:hidden}
.insight-meta{margin-top:auto;font-size:.85rem;font-weight:600;color:var(--blue)}
.page-hero{background:linear-gradient(135deg,var(--blue-deep),var(--blue));color:#fff;padding:64px 0 56px}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.7rem);max-width:22ch;margin:8px 0 14px}
.page-hero .kicker{color:#FFB48F}
.page-hero .lead{color:rgba(255,255,255,.85);max-width:62ch;font-size:1.08rem;line-height:1.65;margin:0}
.insight-narrow{max-width:760px}
.insight-back{display:inline-block;color:rgba(255,255,255,.85);font-weight:600;text-decoration:none;margin-bottom:20px}
.insight-back:hover{color:#fff;text-decoration:underline}
.insight-body h2{font-size:1.35rem;margin:34px 0 12px}
.insight-body h2:first-child{margin-top:0}
.insight-body p{font-size:1.04rem;line-height:1.8;color:var(--text)}
.insight-conclusion{margin-top:36px;background:var(--bg);border-left:3px solid var(--orange);border-radius:0 12px 12px 0;padding:6px 24px 10px}
.insight-conclusion h2{margin-top:18px}
.insight-foot{display:flex;gap:12px;flex-wrap:wrap;margin-top:36px}
.insight-date{color:rgba(255,255,255,.75);font-size:.92rem;margin:14px 0 0}
.insight-body h3{font-size:1.12rem;margin:24px 0 8px}
.insight-body ul{margin:0 0 1.1em;padding-left:1.3em}
.insight-body li{font-size:1.02rem;line-height:1.7;margin:0 0 .45em}
.insight-body li::marker{color:var(--orange)}
.insight-body a{color:var(--blue);font-weight:600;text-underline-offset:3px}
.insight-table{overflow-x:auto;margin:6px 0 16px;border:1px solid var(--line);border-radius:12px}
.insight-table table{border-collapse:collapse;width:100%;min-width:620px;font-size:.92rem}
.insight-table th,.insight-table td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.insight-table thead th{background:var(--blue-deep);color:#fff;font-family:var(--font-h);font-weight:700}
.insight-table tbody th{color:var(--blue-deep);font-weight:700;background:var(--bg)}
.insight-table tbody tr:last-child th,.insight-table tbody tr:last-child td{border-bottom:0}
.insight-faq{margin-top:40px;padding:0}
.insight-faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin-bottom:10px;background:#fff}
.insight-faq summary{cursor:pointer;font-weight:700;color:var(--blue-deep);padding:16px 26px 16px 0;list-style:none;position:relative}
.insight-faq summary::-webkit-details-marker{display:none}
.insight-faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--orange);font-weight:600}
.insight-faq details[open] summary::after{content:"–"}
.insight-faq details p{margin:0 0 16px;color:var(--text2)}
.insight-program{display:grid;gap:8px;justify-items:start;margin-top:36px;padding:22px 24px;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:12px;background:var(--bg)}
.insight-program-k{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--orange)}
.insight-program strong{font-family:var(--font-h);font-size:1.12rem;color:var(--blue-deep);line-height:1.3}
.insight-program .btn{margin-top:6px}
.insight-cta{margin-top:24px;padding:28px 26px;border-radius:14px;background:#FCEBE3;border:1px solid #F5CDBB}
.insight-cta h2{font-size:1.3rem;margin:0 0 8px}
.insight-cta p{color:var(--text);margin:0 0 16px}
.insight-cta-btns{display:flex;gap:10px;flex-wrap:wrap}
.insight-related{margin-top:40px}
.insight-related h2{font-size:1.2rem}
.insight-related ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.insight-related li{margin:0}
.insight-related a{display:flex;flex-direction:column;align-items:flex-start;gap:8px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--blue-deep);font-weight:700;background:#fff}
.insight-related a:hover{border-color:var(--blue)}
@media(max-width:600px){.insight-cta,.insight-program{padding:20px 18px}.insight-cta-btns .btn{width:100%}}