:root{--mce-primary-hover: #A93226;--mce-primary-soft: #F7E4E1;--mce-accent-soft: #E6EEF6;--mce-warning-soft: #FBF3E2;--mce-warning-border: #E8D5A8;--mce-warning-ink: #7A5B16;--mce-dark: #141C28;--mce-r: 6px;--mce-r-lg: 10px;--mce-shadow-card: 0 1px 2px rgba(18, 46, 36, .05);--mce-shadow-pop: 0 10px 30px rgba(18, 46, 36, .12);--mce-font: "Public Sans", -apple-system, "Segoe UI", sans-serif;--mce-font-display: "Lora", Georgia, "Times New Roman", serif;--mce-container: 1320px}html{scroll-behavior:smooth}h1,h2,h3,h4{font-family:var(--mce-font-display)}body{font-size:16px;line-height:1.6}.container{max-width:var(--mce-container);margin:0 auto;padding:0 24px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--mce-font);font-weight:700;text-decoration:none;cursor:pointer;border:none;border-radius:var(--mce-r);line-height:1;white-space:nowrap;transition:background .15s ease,box-shadow .15s ease,transform .15s ease;min-height:44px}.btn-primary{background:hsl(var(--primary));color:hsl(var(--primary-foreground));padding:14px 26px;font-size:15.5px}.btn-primary:hover{background:var(--mce-primary-hover);box-shadow:0 2px 10px #122e2438}.btn-primary:focus-visible{outline:3px solid hsl(var(--accent));outline-offset:2px}.btn-lg{padding:17px 32px;font-size:16.5px}.btn-secondary{background:transparent;color:hsl(var(--primary));border:1.5px solid hsl(var(--primary));padding:13px 24px;font-size:15px}.btn-secondary:hover{background:var(--mce-primary-soft)}.btn-secondary:focus-visible{outline:3px solid hsl(var(--accent));outline-offset:2px}.link-arrow{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:15px;color:hsl(var(--primary));text-decoration:none}.link-arrow svg{transition:transform .15s ease}.link-arrow:hover svg{transform:translate(3px)}.link-arrow:hover{text-decoration:underline;text-underline-offset:3px}.site-header{position:sticky;top:0;z-index:50;background:hsl(var(--card));border-bottom:1px solid hsl(var(--border))}.site-header .container{display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}.logo{font-weight:800;font-size:18px;letter-spacing:-.01em;text-decoration:none;color:hsl(var(--foreground));white-space:nowrap}.logo span{color:hsl(var(--primary))}.logo-img img{display:block;height:45px;width:auto}.logo-img img.logo-white{filter:brightness(0) invert(1)}.main-nav{display:flex;align-items:center;gap:28px}.main-nav>a,.nav-drop>button{font-family:var(--mce-font);font-size:15px;font-weight:500;color:hsl(var(--foreground));text-decoration:none;background:none;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:5px;padding:8px 0}.main-nav>a:hover,.nav-drop>button:hover{color:hsl(var(--primary))}.nav-drop{position:relative}.nav-drop-menu{position:absolute;top:calc(100% + 6px);left:50%;transform:translate(-50%);background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);box-shadow:var(--mce-shadow-pop);padding:14px;width:560px;display:none;grid-template-columns:1fr 1fr;gap:2px}.nav-drop.open .nav-drop-menu{display:grid}.nav-drop.open>button svg{transform:rotate(180deg)}.nav-drop-menu a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:var(--mce-r);text-decoration:none;font-size:14.5px;font-weight:500;color:hsl(var(--foreground))}.nav-drop-menu a:hover{background:var(--mce-primary-soft);color:hsl(var(--primary))}.nav-drop-menu a svg{color:hsl(var(--primary));flex-shrink:0}.nav-drop-menu .nav-drop-all{grid-column:1 / -1;border-top:1px solid hsl(var(--border));margin-top:8px;padding-top:12px;font-weight:700;color:hsl(var(--primary));justify-content:center}.header-cta{flex-shrink:0}.burger{display:none;background:none;border:none;cursor:pointer;padding:8px}.section{padding:72px 0}.section-alt{background:hsl(var(--card));border-top:1px solid hsl(var(--border));border-bottom:1px solid hsl(var(--border))}.section-dark{background:var(--mce-dark);color:#fff}.section-head{text-align:center;max-width:720px;margin:0 auto 44px}.section-head h2{font-size:32px;font-weight:800;letter-spacing:-.02em;line-height:1.2}.section-head p{font-size:16.5px;color:hsl(var(--muted-foreground));margin-top:12px}.section-dark .section-head p{color:#ffffffbf}.kicker{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:hsl(var(--primary));margin-bottom:12px}.trust-line{display:flex;flex-wrap:wrap;gap:10px 22px;font-size:14px;color:hsl(var(--muted-foreground))}.trust-line span{display:inline-flex;align-items:center;gap:7px}.trust-line svg{color:hsl(var(--success));flex-shrink:0}.cards-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.sinistre-card{background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);padding:22px;text-decoration:none;color:hsl(var(--foreground));display:flex;flex-direction:column;gap:10px;box-shadow:var(--mce-shadow-card);transition:border-color .15s ease,box-shadow .15s ease,transform .15s ease}.sinistre-card:hover{border-color:hsl(var(--primary));box-shadow:0 6px 18px #122e241a;transform:translateY(-2px)}.sinistre-card svg{color:hsl(var(--primary))}.sinistre-card h3{font-size:16.5px;font-weight:700}.sinistre-card p{font-size:13.5px;color:hsl(var(--muted-foreground));line-height:1.45}.definition-box{background:var(--mce-accent-soft);border:1px solid #C9DBED;border-radius:var(--mce-r-lg);padding:28px 32px;max-width:800px;margin:0 auto}.definition-box .def-term{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:hsl(var(--accent));display:flex;align-items:center;gap:8px;margin-bottom:10px}.definition-box .def-text{font-size:17px;line-height:1.65}.definition-box .def-text strong{font-weight:700}.deadline-callout{background:var(--mce-warning-soft);border:1px solid var(--mce-warning-border);border-radius:var(--mce-r-lg);padding:18px 24px;display:flex;gap:14px;align-items:flex-start}.deadline-callout svg{color:var(--mce-warning-ink);flex-shrink:0;margin-top:2px}.deadline-callout .dl-title{font-weight:700;font-size:15px;color:var(--mce-warning-ink)}.deadline-callout p{font-size:14.5px;color:#6b5825;margin-top:3px}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:step}.step-card{background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);padding:24px;position:relative}.step-card .step-num{width:32px;height:32px;border-radius:99px;background:hsl(var(--primary));color:hsl(var(--primary-foreground));font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}.step-card h3{font-size:16.5px;font-weight:700;line-height:1.3}.step-card p{font-size:14px;color:hsl(var(--muted-foreground));margin-top:8px;line-height:1.5}.data-table-wrap{background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);overflow:hidden}.data-table-scroll{overflow-x:auto}table.data-table{width:100%;border-collapse:collapse;font-size:15px}table.data-table th{background:hsl(var(--primary));color:hsl(var(--primary-foreground));text-align:left;padding:12px 20px;font-size:13.5px;font-weight:700;white-space:nowrap}table.data-table td{padding:13px 20px;border-top:1px solid hsl(var(--border));vertical-align:top}table.data-table tbody tr:nth-child(2n){background:hsl(var(--background))}table.data-table td.num{font-weight:700;white-space:nowrap}.table-caption{display:block;font-size:13px;color:hsl(var(--muted-foreground));padding:12px 20px;border-top:1px solid hsl(var(--border));background:hsl(var(--card))}.faq-list{max-width:800px;margin:0 auto;display:grid;gap:12px}.faq-list details{background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);overflow:hidden}.faq-list summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;font-size:16px;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary svg{flex-shrink:0;color:hsl(var(--primary));transition:transform .2s ease}.faq-list details[open] summary svg{transform:rotate(180deg)}.faq-list summary:hover{color:hsl(var(--primary))}.faq-list .faq-body{padding:0 22px 20px;font-size:15px;color:hsl(var(--muted-foreground));line-height:1.65}.faq-list .faq-body a{color:hsl(var(--primary));font-weight:600}.cta-band{background:hsl(var(--primary));border-radius:var(--mce-r-lg);padding:48px;text-align:center;color:hsl(var(--primary-foreground))}.cta-band h2{font-size:28px;font-weight:800;letter-spacing:-.015em}.cta-band p{font-size:16px;color:#fffc;margin:10px auto 24px;max-width:560px}.cta-band .btn-primary{background:#fff;color:hsl(var(--primary))}.cta-band .btn-primary:hover{background:var(--mce-primary-soft)}.cta-band .trust-line{justify-content:center;margin-top:18px;color:#ffffffbf}.cta-band .trust-line svg{color:#9cc8b5}.img-ph{position:relative;border-radius:var(--mce-r-lg);overflow:hidden;background:linear-gradient(150deg,#2a6b52,#1c5c45 35%,#3d7a60 60%,#d8e5de 130%)}.img-ph:after{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 70% 30%,rgba(247,249,248,.25),transparent 60%)}.img-ph .ph-label{position:absolute;inset:0;display:flex;flex-direction:column;gap:8px;align-items:center;justify-content:center;text-align:center;padding:24px;z-index:1;color:#ffffffd9;font-size:12.5px;line-height:1.5;font-weight:500}.img-ph .ph-label svg{opacity:.8}.ratio-16-9{aspect-ratio:16 / 9}.ratio-4-3{aspect-ratio:4 / 3}image-slot{display:block;width:100%}.img-band{margin-top:44px}.img-caption{font-size:12.5px;color:hsl(var(--muted-foreground));margin-top:10px;text-align:center}.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.split-grid h2{font-size:30px;font-weight:800;letter-spacing:-.02em;line-height:1.2}.split-grid .lead-text{font-size:16.5px;color:hsl(var(--muted-foreground));margin:14px 0 20px}ul.checks{list-style:none;display:grid;gap:12px;padding:0;margin:0 0 24px}ul.checks li{display:flex;gap:11px;font-size:15.5px;line-height:1.5;align-items:flex-start}ul.checks li svg{color:hsl(var(--success));flex-shrink:0;margin-top:4px}.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:13.5px;color:hsl(var(--muted-foreground))}.breadcrumb a{color:hsl(var(--muted-foreground));text-decoration:none}.breadcrumb a:hover{color:hsl(var(--primary));text-decoration:underline}.breadcrumb .sep{color:hsl(var(--border))}.trust-meta{display:flex;flex-wrap:wrap;gap:8px 20px;font-size:13px;color:hsl(var(--muted-foreground));align-items:center}.trust-meta svg{color:hsl(var(--primary))}.trust-meta span{display:inline-flex;align-items:center;gap:6px}.prose{max-width:760px}.prose h2{font-size:26px;font-weight:800;letter-spacing:-.015em;margin:40px 0 14px;line-height:1.25}.prose h3{font-size:19px;font-weight:700;margin:28px 0 10px}.prose p{font-size:16px;color:#3a463f;margin-bottom:14px;text-wrap:pretty}.prose ul{padding-left:22px;margin:0 0 14px}.prose li{font-size:16px;color:#3a463f;margin-bottom:7px;padding-left:4px}.prose li::marker{color:hsl(var(--primary))}.prose a{color:hsl(var(--primary));font-weight:600}.prose strong{font-weight:700;color:hsl(var(--foreground))}.site-footer{background:var(--mce-dark);color:#ffffffc7;margin-top:0}.footer-cols{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:36px;padding:56px 0 40px}.footer-cols .logo{color:#fff;font-size:17px}.footer-cols .logo span{color:#8fc0aa}.footer-brand p{font-size:13.5px;line-height:1.6;margin-top:12px;color:#fff9;max-width:280px}.footer-cols h4{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#ffffff80;margin-bottom:14px}.footer-cols ul{list-style:none;display:grid;gap:9px}.footer-cols ul a{font-size:14px;text-decoration:none;color:#ffffffc7}.footer-cols ul a:hover{color:#fff;text-decoration:underline}.footer-legal{border-top:1px solid rgba(255,255,255,.14);padding:18px 0}.footer-legal .container{display:flex;flex-wrap:wrap;gap:10px 26px;align-items:center;justify-content:space-between;font-size:13px;color:#ffffff8c}.footer-legal nav{display:flex;flex-wrap:wrap;gap:10px 22px}.footer-legal a{color:#ffffff8c;text-decoration:none}.footer-legal a:hover{color:#fff}.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:60;background:hsl(var(--card));border-top:1px solid hsl(var(--border));box-shadow:0 -6px 20px #122e241a;padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:none;text-align:center;transform:translateY(110%);transition:transform .25s ease}.sticky-cta.visible{transform:translateY(0)}.sticky-cta .btn{width:100%}.sticky-cta .micro{font-size:11.5px;color:hsl(var(--muted-foreground));margin-top:6px}@media(max-width:920px){.section{padding:52px 0}.section-head h2{font-size:26px}.main-nav{display:none}.main-nav.open{display:flex;flex-direction:column;align-items:stretch;gap:0;position:absolute;top:100%;left:0;right:0;background:hsl(var(--card));border-bottom:1px solid hsl(var(--border));box-shadow:var(--mce-shadow-pop);padding:8px 16px 16px}.main-nav.open>a,.main-nav.open .nav-drop>button{padding:13px 8px;font-size:16px;width:100%;justify-content:space-between;display:flex}.main-nav.open .nav-drop-menu{position:static;transform:none;width:100%;grid-template-columns:1fr;box-shadow:none;border:none;background:hsl(var(--background))}.header-cta{display:none}.burger{display:block}.cards-grid{grid-template-columns:repeat(2,1fr);gap:12px}.split-grid{grid-template-columns:1fr;gap:28px}.split-grid h2{font-size:24px}.steps-grid{grid-template-columns:1fr 1fr}.footer-cols{grid-template-columns:1fr 1fr;gap:32px}.sticky-cta{display:block}body:has(.sticky-cta){padding-bottom:84px}.cta-band{padding:36px 24px}}@media(max-width:560px){.steps-grid,.footer-cols{grid-template-columns:1fr}.definition-box{padding:22px}.section-head h2{font-size:23px}}.hero-split{padding:28px 0 56px}.hero-split .crumb-row{margin-bottom:28px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}.hero-split-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}.hero-split h1{font-size:40px;font-weight:800;line-height:1.14;letter-spacing:-.02em}.hero-split .sub{font-size:17px;color:hsl(var(--muted-foreground));margin:16px 0 24px;text-wrap:pretty}.hero-split .cta-row{display:flex;gap:14px;align-items:center;flex-wrap:wrap}.hero-split .trust-line{margin-top:22px}.prose-section{max-width:800px;margin:0 auto}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.related a{background:hsl(var(--card));border:1px solid hsl(var(--border));border-radius:var(--mce-r-lg);padding:20px 22px;text-decoration:none;color:hsl(var(--foreground));font-weight:700;font-size:15.5px;display:flex;justify-content:space-between;align-items:center;gap:12px;transition:border-color .15s ease,box-shadow .15s ease}.related a:hover{border-color:hsl(var(--primary));box-shadow:0 6px 18px #122e241a;color:hsl(var(--primary))}.related a svg{color:hsl(var(--primary));flex-shrink:0}@media(max-width:920px){.hero-split{padding:20px 0 40px}.hero-split-grid{grid-template-columns:1fr;gap:28px}.hero-split h1{font-size:28px}.hero-split .sub{font-size:15.5px}.related{grid-template-columns:1fr}}.hero-split-grid>*,.guide-layout>*,.fees-grid>*,.split-grid>*{min-width:0}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-4{grid-template-columns:repeat(4,1fr)}@media(max-width:920px){.cols-3,.cols-4{grid-template-columns:repeat(2,1fr)}table.data-table th,table.data-table td.num{white-space:normal}}@media(max-width:560px){.cols-3,.cols-4{grid-template-columns:1fr}}