/* HiAssur S1 : styles fermés sur .ha-piliers-* et .ha-guide-* ; aucune règle globale. */
.ha-piliers-home,.ha-guide{--ha-red:#e11d2e;--ha-dark:#0b0b10;--ha-muted:#526071;--ha-line:#e7e9ee;--ha-glow:#fff1f2;color:var(--ha-dark)}
.ha-piliers-home{background:linear-gradient(180deg,#fff 0%,#fff6f7 100%);padding:68px 16px 74px}
.ha-piliers-container,.ha-guide-wrap{max-width:1200px;margin-inline:auto}
.ha-piliers-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:30px}
.ha-piliers-eyebrow,.ha-guide-kicker,.ha-guide-step{display:inline-block;letter-spacing:.08em;text-transform:uppercase;font-size:.73rem;font-weight:800;color:var(--ha-red)}
.ha-piliers-heading h2{font-size:clamp(1.75rem,3.2vw,2.65rem);letter-spacing:-.04em;line-height:1.18;font-weight:850;margin:8px 0 10px}
.ha-piliers-heading h2 span{color:var(--ha-red)}.ha-piliers-heading p{max-width:650px;color:var(--ha-muted);font-size:.98rem;line-height:1.7}
.ha-piliers-global{color:var(--ha-red);font-size:.87rem;text-decoration:none;white-space:nowrap;font-weight:750}
.ha-piliers-global:hover,.ha-piliers-global:focus-visible{text-decoration:underline}
.ha-piliers-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px}
.ha-piliers-card{position:relative;isolation:isolate;background:#fff;border:1px solid #eef0f3;border-radius:26px;padding:32px;overflow:hidden;box-shadow:0 12px 45px rgba(19,23,32,.055);display:flex;flex-direction:column;align-items:flex-start;min-height:340px;transition:transform .25s ease,box-shadow .25s ease}
.ha-piliers-card:after{content:"";position:absolute;width:250px;height:250px;right:-93px;top:-103px;border-radius:100%;z-index:-1;background:linear-gradient(130deg,#fff1f2,#fff);opacity:.95}
.ha-piliers-malus:after{background:linear-gradient(130deg,#f3f4f6,#fff)}
.ha-piliers-card:hover{transform:translateY(-5px);box-shadow:0 21px 55px rgba(19,23,32,.11)}
.ha-piliers-visual{width:64px;height:64px;display:grid;place-items:center;border:1px solid #ffc8cd;border-radius:21px;background:#fff1f2;color:var(--ha-red)}
.ha-piliers-malus .ha-piliers-visual{background:#f7f8fa;border-color:#e3e4e9;color:#22212c}.ha-piliers-visual svg{width:44px;height:44px}
.ha-piliers-overline{color:var(--ha-red);font-size:.74rem;font-weight:800;text-transform:uppercase;letter-spacing:.075em;margin-top:20px}
.ha-piliers-card h3{font-size:1.55rem;letter-spacing:-.025em;font-weight:800;line-height:1.2;margin:8px 0 10px}
.ha-piliers-card p{color:var(--ha-muted);font-size:.95rem;line-height:1.75;max-width:510px}
.ha-piliers-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;margin-bottom:22px}
.ha-piliers-tags span{font-size:.75rem;border:1px solid #e8eaef;border-radius:30px;padding:6px 11px;font-weight:650;color:#454b5a;background:#fafbfc}
.ha-piliers-button{margin-top:auto;display:inline-flex;align-items:center;gap:18px;border-radius:12px;background:var(--ha-red);color:#fff!important;padding:12px 17px;text-decoration:none;font-size:.9rem;font-weight:780;transition:background .2s ease}
.ha-piliers-button:hover{background:#b91828}.ha-piliers-button span{font-size:1.1rem}
.ha-guide{background:#fff;padding:26px 16px 72px}.ha-guide-crumb{display:flex;flex-wrap:wrap;align-items:center;gap:10px;color:#747987;font-size:.79rem;margin-bottom:22px}
.ha-guide-crumb a{color:#536070;text-decoration:none}.ha-guide-crumb a:hover{text-decoration:underline}
.ha-guide-hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(310px,.8fr);gap:34px;align-items:center;padding:clamp(26px,4vw,54px);border-radius:28px;background:radial-gradient(ellipse at 86% 0%,#ffe8eb 0%,transparent 50%),linear-gradient(135deg,#fff5f6 0%,#fff 65%);border:1px solid #f5e6e8}
.ha-guide-hero h1{font-size:clamp(2rem,4.15vw,3.55rem);font-weight:860;letter-spacing:-.048em;line-height:1.13;margin:15px 0 21px}.ha-guide-hero h1 em{font-style:normal;color:var(--ha-red)}
.ha-guide-lead{line-height:1.76;color:#465363;font-size:1.02rem;max-width:710px}
.ha-guide-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 20px}
.ha-guide-action,.ha-guide-secondary{display:inline-flex;align-items:center;justify-content:center;gap:9px;text-decoration:none!important;border-radius:13px;padding:13px 19px;font-size:.89rem;font-weight:800}
.ha-guide-action{background:var(--ha-red);color:white!important}.ha-guide-action:hover{background:#bb1829}
.ha-guide-secondary{background:white;color:#141823!important;border:1px solid #e2e5e9}.ha-guide-secondary:hover{border-color:#d71b30}
.ha-guide-proof{display:flex;flex-wrap:wrap;gap:10px}.ha-guide-proof span{font-size:.72rem;font-weight:670;background:white;color:#485260;border:1px solid #f0dfe1;border-radius:30px;padding:6px 10px}
.ha-guide-hero-panel{border-radius:23px;background:#101119;color:white;padding:28px;box-shadow:0 22px 48px rgba(17,17,23,.13)}
.ha-guide-panel-overline{color:#f49ca5;font-size:.69rem;letter-spacing:.1em;text-transform:uppercase;font-weight:790}.ha-guide-hero-panel>strong{font-size:1.4rem;display:block;margin:8px 0 18px}
.ha-guide-hero-panel ol{padding:0;margin:0;list-style:none}.ha-guide-hero-panel li{display:flex;align-items:start;gap:14px;margin:0;padding:13px 0;border-bottom:1px solid #30313a;color:#e2e2e8;font-size:.86rem;line-height:1.55}
.ha-guide-hero-panel li b{color:#ffa3ac;font-size:.94rem;flex:0 0 44px}.ha-guide-panel-note{font-size:.81rem;color:#f4d2d6;margin-top:20px;line-height:1.55}
.ha-guide-section{padding:68px 0 8px}.ha-guide-section h2{font-size:clamp(1.6rem,2.5vw,2.3rem);font-weight:820;letter-spacing:-.035em;line-height:1.22;margin:11px 0 14px}.ha-guide-section-head p,.ha-guide-section>p,.ha-guide-split>div>p{color:var(--ha-muted);line-height:1.74;max-width:760px}
.ha-guide-three,.ha-guide-two{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:27px}.ha-guide-two{grid-template-columns:repeat(2,minmax(0,1fr))}
.ha-guide-tile,.ha-guide-note{border:1px solid var(--ha-line);border-radius:20px;background:#fff;padding:26px;box-shadow:0 8px 22px rgba(0,0,0,.025)}
.ha-guide-tile-number{color:var(--ha-red);font-size:.78rem;font-weight:800}.ha-guide-tile h3,.ha-guide-note h3{font-size:1.09rem;font-weight:790;margin:12px 0}.ha-guide-tile p,.ha-guide-note p{color:var(--ha-muted);font-size:.9rem;line-height:1.76}.ha-guide-tile a,.ha-guide-note a{display:inline-block;margin-top:12px;color:var(--ha-red);font-size:.84rem;text-decoration:underline;text-underline-offset:3px;font-weight:750}
.ha-guide-split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}.ha-guide-list-panel{border-radius:20px;background:#f8f9fb;padding:28px;border:1px solid #eff0f4}.ha-guide-list-panel ul{padding:0;margin:0;list-style:none}
.ha-guide-list-panel li{position:relative;padding:11px 0 11px 29px;font-size:.92rem;color:#424e5d;line-height:1.6}.ha-guide-list-panel li:before{content:'✓';position:absolute;left:0;top:11px;color:var(--ha-red);font-weight:900}
.ha-guide-faq{display:grid;gap:10px;margin-top:25px}.ha-guide-faq details{border:1px solid #e5e7eb;border-radius:14px;overflow:hidden;background:#fff}.ha-guide-faq summary{cursor:pointer;list-style:none;padding:20px 24px;font-weight:730;position:relative;padding-right:52px}.ha-guide-faq summary::-webkit-details-marker{display:none}.ha-guide-faq summary:after{content:'+';position:absolute;right:22px;color:var(--ha-red);font-size:1.4rem;top:14px}.ha-guide-faq details[open] summary:after{content:'−'}.ha-guide-faq details[open]{border-color:#ffb7bf}.ha-guide-faq details p{padding:0 24px 22px;margin:0;line-height:1.8;color:var(--ha-muted);font-size:.91rem}
.ha-guide-final{background:#13131b;color:#fff;border-radius:25px;padding:clamp(24px,3.5vw,42px);margin-top:70px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.ha-guide-final h2{font-size:1.65rem;letter-spacing:-.03em;font-weight:830;margin:8px 0}.ha-guide-final p{font-size:.89rem;color:#d4d4df;line-height:1.7}.ha-guide-final a{display:block;text-align:center;flex:0 0 auto;text-decoration:none;background:var(--ha-red);color:#fff!important;border-radius:13px;padding:14px 19px;font-weight:760;font-size:.89rem}.ha-guide-final a:hover{background:#bb1829}
.ha-guide-cross{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:24px;font-size:.83rem}.ha-guide-cross strong{color:#777e8a}.ha-guide-cross a{color:var(--ha-red);text-decoration:underline;text-underline-offset:2px}
.ha-guide a:focus-visible,.ha-piliers-home a:focus-visible,.ha-guide summary:focus-visible{outline:3px solid #e11d2e;outline-offset:3px}
@media(max-width:800px){.ha-piliers-grid,.ha-guide-hero,.ha-guide-three,.ha-guide-two,.ha-guide-split{grid-template-columns:1fr}.ha-piliers-heading{align-items:start;flex-direction:column}.ha-guide-final{align-items:stretch;flex-direction:column}.ha-guide-hero-panel{padding:22px}.ha-guide-section{padding-top:48px}}
@media(max-width:560px){.ha-piliers-home{padding:45px 16px 50px}.ha-piliers-card{padding:23px;border-radius:20px;min-height:unset}.ha-piliers-card h3{font-size:1.35rem}.ha-guide{padding:17px 12px 44px}.ha-guide-hero{padding:24px 19px;border-radius:21px}.ha-guide-actions{flex-direction:column}.ha-guide-actions a{width:100%}.ha-guide-tile,.ha-guide-note,.ha-guide-list-panel{padding:21px}}
@media(prefers-reduced-motion:reduce){.ha-piliers-card,.ha-piliers-button{transition:none}.ha-piliers-card:hover{transform:none}}