/* HiAssur · sous-pages assurance moto · v1.77.9 */
.hm-page{--hm-navy:#0b2342;--hm-blue:#143f72;--hm-red:#d82235;--hm-soft:#f5f8fc;--hm-line:#dfe7f0;--hm-text:#42546a;--hm-white:#fff;background:#fff;color:var(--hm-navy)}
.hm-page *{box-sizing:border-box}.hm-wrap{width:min(1180px,calc(100% - 40px));margin:0 auto}.hm-breadcrumb{display:flex;align-items:center;gap:9px;flex-wrap:wrap;padding:20px 0 12px;font-size:13px;color:#6f7f92}.hm-breadcrumb a{color:inherit;text-decoration:none}.hm-breadcrumb strong{color:var(--hm-navy);font-weight:700}.hm-hero{overflow:hidden;background:linear-gradient(135deg,#f9fbfe 0%,#eef4fb 100%);border-bottom:1px solid var(--hm-line)}.hm-hero-grid{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(430px,.96fr);gap:56px;align-items:center;padding:30px 0 72px}.hm-eyebrow,.hm-head>span,.hm-contact>span,.hm-final-box>div>span{display:inline-flex;color:var(--hm-red);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.13em}.hm-copy h1{margin:14px 0 18px;font-size:clamp(38px,4.3vw,64px);line-height:1.02;letter-spacing:-.045em}.hm-copy h1 span{color:var(--hm-red)}.hm-lead{max-width:690px;margin:0;color:var(--hm-text);font-size:18px;line-height:1.75}.hm-benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:26px 0}.hm-benefits>div{display:flex;gap:10px;align-items:center;background:#fff;border:1px solid var(--hm-line);border-radius:14px;padding:12px;box-shadow:0 8px 24px rgba(12,37,68,.05)}.hm-benefits i,.hm-docs i{display:grid;place-items:center;width:26px;height:26px;flex:0 0 26px;border-radius:50%;background:#eaf8ef;color:#137a3d;font-style:normal;font-weight:900}.hm-benefits span{display:flex;flex-direction:column;min-width:0}.hm-benefits strong{font-size:13px}.hm-benefits small{font-size:11px;color:#718096}.hm-actions{display:flex;gap:12px;flex-wrap:wrap}.hm-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 20px;border-radius:12px;font-weight:800;text-decoration:none;transition:.2s ease}.hm-btn-primary{background:var(--hm-red);color:#fff;box-shadow:0 10px 25px rgba(216,34,53,.22)}.hm-btn-primary:hover{transform:translateY(-1px);background:#bd1c2d}.hm-btn-secondary{background:#fff;color:var(--hm-navy);border:1px solid #cbd7e5}.hm-visual{position:relative;padding:0 0 56px}.hm-photo{position:relative;display:block;overflow:hidden;aspect-ratio:16/10;margin:0;border-radius:26px;background:linear-gradient(145deg,#dfe8f3,#bac8d9);box-shadow:0 26px 70px rgba(7,33,64,.16)}.hm-photo img{width:100%;height:100%;object-fit:cover;display:block}.hm-fallback{display:grid;place-items:center;background:radial-gradient(circle at 74% 19%,#fff 0 5%,transparent 5.3%),linear-gradient(155deg,#dce8f5,#a8bdd4 55%,#68819e);color:#173d69}.hm-fallback svg{width:82%;height:auto;position:relative;z-index:2;filter:drop-shadow(0 15px 18px rgba(9,32,59,.15))}.hm-fallback>span{position:absolute;left:20px;bottom:18px;z-index:3;background:rgba(255,255,255,.93);padding:9px 12px;border-radius:10px;font-size:12px;font-weight:900}.hm-sun{position:absolute;right:12%;top:12%;width:72px;height:72px;border-radius:50%;background:rgba(255,255,255,.55)}.hm-specs{position:absolute;left:24px;right:24px;bottom:0;background:#fff;border:1px solid var(--hm-line);border-radius:18px;padding:16px 18px;box-shadow:0 18px 50px rgba(8,33,62,.16)}.hm-spec-title{display:block;margin-bottom:8px;color:var(--hm-red);font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.hm-specs>div{display:grid;grid-template-columns:145px 1fr;gap:12px;padding:7px 0;border-top:1px solid #eef2f6}.hm-specs>div span{color:#708095;font-size:12px}.hm-specs>div strong{font-size:12px;line-height:1.45}.hm-section{padding:76px 0}.hm-section-soft{background:var(--hm-soft)}.hm-head{text-align:center;max-width:780px;margin:0 auto 32px}.hm-head h2{margin:8px 0 10px;font-size:clamp(28px,3vw,42px);line-height:1.12;letter-spacing:-.03em}.hm-head p{margin:0;color:var(--hm-text);line-height:1.7}.hm-head-left{text-align:left;margin-left:0}.hm-grid{display:grid;gap:16px}.hm-grid-3{grid-template-columns:repeat(3,1fr)}.hm-grid-4{grid-template-columns:repeat(4,1fr)}.hm-card,.hm-factor{position:relative;background:#fff;border:1px solid var(--hm-line);border-radius:18px;padding:22px;box-shadow:0 8px 24px rgba(10,34,63,.04)}.hm-card>b,.hm-factor>span{display:grid;place-items:center;width:36px;height:36px;border-radius:11px;background:#eef3fa;color:var(--hm-blue);font-size:12px;font-weight:900}.hm-card h3,.hm-factor h3{margin:14px 0 8px;font-size:17px}.hm-card p,.hm-factor p{margin:0;color:var(--hm-text);font-size:14px;line-height:1.65}.hm-chip{display:inline-flex;margin-top:16px;padding:6px 10px;border-radius:999px;background:#f1f4f8;color:#66788d;font-size:11px;font-weight:900}.hm-chip.is-main{background:#eaf8ef;color:#11723a}.hm-factor{padding:20px}.hm-note{margin:18px auto 0;max-width:800px;text-align:center;color:#6c7c8f;font-size:13px}.hm-two-cols{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}.hm-docs{display:grid;gap:10px}.hm-docs>div{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--hm-line);padding:14px 16px;border-radius:13px;font-weight:700}.hm-contact{background:var(--hm-navy);color:#fff;border-radius:24px;padding:30px;box-shadow:0 20px 50px rgba(8,30,56,.14)}.hm-contact h2{margin:8px 0 12px;font-size:29px;line-height:1.1}.hm-contact p{color:#c9d5e4;line-height:1.65}.hm-contact .hm-btn{width:100%;margin-top:10px}.hm-contact .hm-btn-secondary{background:transparent;border-color:#496078;color:#fff}.hm-whatsapp{display:flex;justify-content:center;margin-top:14px;color:#dcfce7;text-decoration:none;font-weight:800}.hm-content-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:34px;align-items:start}.hm-prose{min-width:0;color:#33475e;line-height:1.8}.hm-prose h2,.hm-prose h3{color:var(--hm-navy);line-height:1.2}.hm-prose img{max-width:100%;height:auto;border-radius:16px}.hm-prose table{display:block;max-width:100%;overflow:auto}.hm-sticky{position:sticky;top:110px}.hm-sticky>div{background:#f7f9fc;border:1px solid var(--hm-line);border-radius:18px;padding:22px}.hm-sticky span{color:var(--hm-red);font-size:11px;font-weight:900;text-transform:uppercase}.hm-sticky h3{margin:7px 0 8px}.hm-sticky p{color:var(--hm-text);line-height:1.6;font-size:13px}.hm-sticky .hm-btn{width:100%;margin-top:8px}.hm-siblings{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.hm-siblings a{display:flex;flex-direction:column;min-height:150px;background:#fff;border:1px solid var(--hm-line);border-radius:16px;padding:19px;text-decoration:none;color:inherit;transition:.18s ease}.hm-siblings a:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(10,34,63,.08)}.hm-siblings strong{font-size:16px}.hm-siblings span{margin:8px 0;color:var(--hm-text);font-size:13px;line-height:1.55}.hm-siblings em{margin-top:auto;color:var(--hm-red);font-size:12px;font-style:normal;font-weight:900}.hm-back{text-align:center;margin-top:20px}.hm-back a{color:var(--hm-blue);font-weight:800;text-decoration:none}.hm-faq{display:grid;grid-template-columns:1fr 1fr;gap:12px}.hm-faq details{background:#fff;border:1px solid var(--hm-line);border-radius:14px;overflow:hidden}.hm-faq summary{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:17px 18px;cursor:pointer;font-weight:800;list-style:none}.hm-faq summary::-webkit-details-marker{display:none}.hm-faq summary i{font-style:normal;color:var(--hm-red);font-size:20px}.hm-faq details[open] summary i{transform:rotate(45deg)}.hm-faq p{margin:0;padding:0 18px 18px;color:var(--hm-text);line-height:1.65;font-size:14px}.hm-final{padding:0 0 76px;background:#fff}.hm-final-box{display:flex;align-items:center;justify-content:space-between;gap:28px;background:linear-gradient(135deg,#0b2342,#173f70);color:#fff;border-radius:26px;padding:34px}.hm-final-box h2{margin:7px 0 8px;font-size:30px}.hm-final-box p{margin:0;color:#c9d6e5}.hm-final-actions{display:flex;gap:10px;flex-wrap:wrap}.hm-btn-light{background:#fff;color:var(--hm-navy)}.hm-btn-outline{border:1px solid #7087a0;color:#fff}.hm-final .hm-btn{white-space:nowrap}
@media (max-width:1000px){.hm-hero-grid{grid-template-columns:1fr;gap:35px}.hm-visual{max-width:760px}.hm-grid-4{grid-template-columns:repeat(2,1fr)}.hm-content-layout{grid-template-columns:1fr}.hm-sticky{position:static}.hm-two-cols{grid-template-columns:1fr}.hm-siblings{grid-template-columns:repeat(2,1fr)}}
@media (max-width:760px){.hm-wrap{width:min(100% - 28px,1180px)}.hm-hero-grid{padding:18px 0 50px}.hm-copy h1{font-size:38px}.hm-lead{font-size:16px}.hm-benefits{grid-template-columns:1fr}.hm-actions{flex-direction:column}.hm-btn{width:100%}.hm-specs{position:relative;left:auto;right:auto;bottom:auto;margin:-20px 12px 0}.hm-visual{padding-bottom:0}.hm-specs>div{grid-template-columns:1fr;gap:3px}.hm-section{padding:54px 0}.hm-grid-3,.hm-grid-4,.hm-siblings,.hm-faq{grid-template-columns:1fr}.hm-final{padding-bottom:54px}.hm-final-box{align-items:flex-start;flex-direction:column;padding:26px}.hm-final-actions{width:100%;flex-direction:column}.hm-contact{padding:24px}.hm-photo{border-radius:20px}.hm-head{text-align:left}.hm-breadcrumb{font-size:12px}}
@media (max-width:430px){.hm-copy h1{font-size:34px}.hm-wrap{width:min(100% - 22px,1180px)}.hm-card,.hm-factor{padding:18px}.hm-final-box h2{font-size:25px}}

/* v1.78.0 — contenu éditorial Moto structuré, sans mur de texte */
.hm-guide-section{background:#fff}.hm-guide-head{margin-bottom:24px}.hm-editorial{max-width:1100px;margin:0 auto}.hm-editorial-lead{max-width:840px;margin:0 auto 22px;color:var(--hm-text);line-height:1.75}.hm-editorial-toc{margin:0 0 24px;padding:20px;border:1px solid var(--hm-line);border-radius:18px;background:var(--hm-soft)}.hm-editorial-toc>strong{display:block;margin-bottom:11px;color:var(--hm-navy);font-size:14px}.hm-editorial-toc>div{display:flex;flex-wrap:wrap;gap:8px}.hm-editorial-toc a{display:inline-flex;padding:8px 11px;border:1px solid #d9e3ee;border-radius:999px;background:#fff;color:#455a72;text-decoration:none;font-size:12px;font-weight:800}.hm-editorial-toc a:hover{border-color:#efb5bd;color:var(--hm-red)}.hm-editorial-sections{display:grid;gap:22px}.hm-editorial-section{scroll-margin-top:110px;border:1px solid var(--hm-line);border-radius:22px;padding:26px;background:#fff;box-shadow:0 9px 26px rgba(10,34,63,.045)}.hm-editorial-heading{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:start;margin-bottom:18px}.hm-editorial-heading>span{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#edf3fa;color:var(--hm-blue);font-size:12px;font-weight:900}.hm-editorial-heading h2{margin:2px 0 0;color:var(--hm-navy);font-size:clamp(22px,2.4vw,31px);line-height:1.17;letter-spacing:-.025em}.hm-editorial-intro{margin:0 0 18px;padding:15px 17px;border-left:3px solid var(--hm-red);border-radius:0 12px 12px 0;background:#fff8f9;color:var(--hm-text);line-height:1.7}.hm-editorial-intro p{margin:0}.hm-editorial-intro p+p{margin-top:10px}.hm-editorial-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.hm-editorial-card{min-width:0;padding:18px;border:1px solid #e5ecf4;border-radius:16px;background:var(--hm-soft)}.hm-editorial-card h3{margin:0 0 9px;color:var(--hm-navy);font-size:16px;line-height:1.3}.hm-editorial-copy{color:#4d6076;font-size:14px;line-height:1.68}.hm-editorial-copy p{margin:0}.hm-editorial-copy p+p{margin-top:10px}.hm-editorial-copy ul,.hm-editorial-copy ol{margin:10px 0 0;padding-left:20px}.hm-editorial-copy li+li{margin-top:6px}.hm-editorial-copy a{color:var(--hm-red);font-weight:800}.hm-editorial-copy strong{color:#223953}.hm-editorial-copy-wide{padding:18px;border-radius:16px;background:var(--hm-soft)}
@media(max-width:760px){.hm-editorial-section{padding:20px 17px}.hm-editorial-heading{grid-template-columns:36px 1fr;gap:11px}.hm-editorial-heading>span{width:36px;height:36px}.hm-editorial-grid{grid-template-columns:1fr}.hm-editorial-toc>div{display:grid}.hm-editorial-toc a{border-radius:11px}.hm-editorial-card{padding:16px}}