/* HiAssur v1.77.8 — sous-pages VTC, CSS isolé */
.hi-vtc-page{--vtc-navy:#10233f;--vtc-red:#e11d2e;--vtc-red-dark:#b91424;--vtc-soft:#f7f9fc;--vtc-line:#e7ecf2;--vtc-ink:#142033;--vtc-muted:#627087;color:var(--vtc-ink);background:#fff}
.hi-vtc-page *{box-sizing:border-box}.hi-vtc-wrap{width:min(1180px,calc(100% - 32px));margin:0 auto}.hi-vtc-breadcrumb{display:flex;flex-wrap:wrap;gap:7px;align-items:center;padding:22px 0 0;color:#8290a5;font-size:13px}.hi-vtc-breadcrumb a{color:#66758c;text-decoration:none}.hi-vtc-breadcrumb a:hover{color:var(--vtc-red)}
.hi-vtc-hero{position:relative;overflow:hidden;padding:26px 0 64px;background:linear-gradient(135deg,#fff 0%,#fff 55%,#f4f7fb 100%)}.hi-vtc-hero:after{content:"";position:absolute;width:460px;height:460px;border-radius:50%;right:-180px;top:-180px;background:radial-gradient(circle,rgba(225,29,46,.12),rgba(225,29,46,0) 68%);pointer-events:none}.hi-vtc-hero-grid{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(360px,.97fr);gap:52px;align-items:center;position:relative;z-index:1}.hi-vtc-eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;background:#fff0f2;color:var(--vtc-red);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.hi-vtc-title{margin:16px 0 0;font-size:clamp(37px,4.7vw,62px);line-height:1.02;letter-spacing:-.035em;font-weight:900}.hi-vtc-title span{color:var(--vtc-red)}.hi-vtc-lead{margin:20px 0 0;max-width:680px;color:var(--vtc-muted);font-size:18px;line-height:1.65}.hi-vtc-trust{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:25px}.hi-vtc-trust-item{display:flex;gap:9px;align-items:center;font-size:13px;font-weight:700;color:#4c5a70}.hi-vtc-check{display:grid;place-items:center;flex:0 0 26px;height:26px;border-radius:8px;background:#fff0f2;color:var(--vtc-red)}.hi-vtc-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.hi-vtc-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 20px;border-radius:13px;text-decoration:none;font-size:14px;font-weight:800;transition:.2s}.hi-vtc-btn-primary{background:var(--vtc-red);color:#fff;box-shadow:0 10px 24px rgba(225,29,46,.18)}.hi-vtc-btn-primary:hover{background:var(--vtc-red-dark);transform:translateY(-1px)}.hi-vtc-btn-secondary{background:#fff;color:#223049;border:1px solid var(--vtc-line)}.hi-vtc-btn-secondary:hover{border-color:#c9d2df;color:var(--vtc-red)}
.hi-vtc-visual{position:relative}.hi-vtc-photo{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:28px;display:block;box-shadow:0 24px 60px rgba(16,35,63,.16)}.hi-vtc-fallback{min-height:390px;border-radius:28px;background:linear-gradient(145deg,#10233f,#1e3b63 64%,#e11d2e 150%);display:flex;align-items:center;justify-content:center;overflow:hidden;box-shadow:0 24px 60px rgba(16,35,63,.18);position:relative}.hi-vtc-fallback:before,.hi-vtc-fallback:after{content:"";position:absolute;border-radius:999px;border:1px solid rgba(255,255,255,.09)}.hi-vtc-fallback:before{width:390px;height:390px;right:-170px;top:-170px}.hi-vtc-fallback:after{width:240px;height:240px;left:-100px;bottom:-100px}.hi-vtc-car{width:76%;max-width:340px;color:#fff;opacity:.92}.hi-vtc-fallback-label{position:absolute;left:24px;top:22px;color:#fff}.hi-vtc-fallback-label strong{display:block;font-size:25px}.hi-vtc-fallback-label small{display:block;margin-top:4px;color:#cbd6e5}.hi-vtc-docbox{position:absolute;right:-18px;bottom:-30px;width:min(320px,82%);padding:17px 18px;border:1px solid #eef1f5;border-radius:18px;background:#fff;box-shadow:0 15px 35px rgba(15,35,63,.16)}.hi-vtc-docbox strong{display:block;font-size:13px}.hi-vtc-docbox ul{display:grid;grid-template-columns:1fr 1fr;gap:6px 12px;margin:10px 0 0;padding:0;list-style:none;color:#68778d;font-size:11px}.hi-vtc-docbox li:before{content:"✓";color:var(--vtc-red);font-weight:900;margin-right:5px}
.hi-vtc-section{padding:66px 0}.hi-vtc-section-soft{background:var(--vtc-soft)}.hi-vtc-head{text-align:center;max-width:760px;margin:0 auto 34px}.hi-vtc-head h2{margin:0;font-size:clamp(27px,3vw,38px);line-height:1.15;letter-spacing:-.025em}.hi-vtc-head p{margin:10px 0 0;color:var(--vtc-muted);line-height:1.6}.hi-vtc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.hi-vtc-card{background:#fff;border:1px solid var(--vtc-line);border-radius:20px;padding:23px;box-shadow:0 8px 25px rgba(16,35,63,.05)}.hi-vtc-card-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#fff0f2;color:var(--vtc-red);font-weight:900}.hi-vtc-card h3{margin:15px 0 0;font-size:16px}.hi-vtc-card p{margin:8px 0 0;color:var(--vtc-muted);font-size:14px;line-height:1.58}.hi-vtc-badge{display:inline-flex;margin-top:14px;padding:5px 9px;border-radius:999px;background:#f2f5f9;color:#65738a;font-size:11px;font-weight:800}.hi-vtc-badge.is-included{background:#eef9f2;color:#247b47}.hi-vtc-step .hi-vtc-card-icon{border-radius:50%;background:var(--vtc-navy);color:#fff}.hi-vtc-seo{max-width:860px;margin:0 auto;color:#526177;font-size:16px;line-height:1.75}.hi-vtc-seo h2{color:var(--vtc-ink);font-size:28px;margin-top:38px}.hi-vtc-seo h3{color:var(--vtc-ink);font-size:20px;margin-top:28px}.hi-vtc-seo a{color:var(--vtc-red);font-weight:700}.hi-vtc-seo table{width:100%;border-collapse:collapse;font-size:14px}.hi-vtc-seo th,.hi-vtc-seo td{padding:10px;border-bottom:1px solid var(--vtc-line);text-align:left}.hi-vtc-seo th{background:var(--vtc-soft)}
.hi-vtc-factors{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.hi-vtc-factor{border-radius:20px;padding:25px;background:var(--vtc-navy);color:#fff}.hi-vtc-factor small{display:block;color:#aebbd0;font-size:12px;text-transform:uppercase;font-weight:800;letter-spacing:.04em}.hi-vtc-factor strong{display:block;margin-top:8px;font-size:18px}.hi-vtc-factor p{margin:8px 0 0;color:#c7d1df;font-size:13px;line-height:1.55}.hi-vtc-note{text-align:center;margin-top:20px;color:#718096;font-size:13px}
.hi-vtc-faqgrid{display:grid;grid-template-columns:1.2fr .8fr;gap:20px}.hi-vtc-panel{background:#fff;border:1px solid var(--vtc-line);border-radius:20px;padding:24px}.hi-vtc-panel h2{margin:0 0 14px;font-size:21px}.hi-vtc-faq details{border-bottom:1px solid var(--vtc-line);padding:13px 0}.hi-vtc-faq details:last-child{border:0}.hi-vtc-faq summary{cursor:pointer;font-weight:800;font-size:14px;list-style:none;display:flex;justify-content:space-between;gap:15px}.hi-vtc-faq summary::-webkit-details-marker{display:none}.hi-vtc-faq summary:after{content:"+";color:var(--vtc-red);font-size:19px}.hi-vtc-faq details[open] summary:after{content:"–"}.hi-vtc-faq p{margin:9px 0 0;color:var(--vtc-muted);font-size:14px;line-height:1.6}.hi-vtc-help{display:grid;gap:10px}.hi-vtc-help div{border-radius:14px;background:var(--vtc-soft);padding:14px}.hi-vtc-help strong{display:block;font-size:14px}.hi-vtc-help span{display:block;margin-top:4px;color:var(--vtc-muted);font-size:12px;line-height:1.5}
.hi-vtc-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.hi-vtc-link{display:block;text-decoration:none;border:1px solid var(--vtc-line);border-radius:16px;padding:16px;background:#fff;color:var(--vtc-ink);transition:.2s}.hi-vtc-link:hover{transform:translateY(-2px);border-color:#f1b8c0}.hi-vtc-link strong{display:block;font-size:14px}.hi-vtc-link span{display:block;margin-top:5px;color:#7b8798;font-size:12px;line-height:1.45}.hi-vtc-cta{padding:0 0 66px}.hi-vtc-cta-box{position:relative;overflow:hidden;border-radius:24px;background:var(--vtc-navy);color:#fff;padding:34px;display:flex;justify-content:space-between;align-items:center;gap:24px}.hi-vtc-cta-box:after{content:"";position:absolute;right:-70px;top:-120px;width:320px;height:320px;border-radius:50%;background:rgba(225,29,46,.18)}.hi-vtc-cta-copy,.hi-vtc-cta .hi-vtc-btn{position:relative;z-index:1}.hi-vtc-cta-copy h2{margin:0;font-size:28px}.hi-vtc-cta-copy p{margin:8px 0 0;color:#c3cedd;font-size:14px}
@media(max-width:980px){.hi-vtc-hero-grid{grid-template-columns:1fr;gap:38px}.hi-vtc-visual{max-width:700px}.hi-vtc-docbox{right:16px}.hi-vtc-grid,.hi-vtc-factors,.hi-vtc-links{grid-template-columns:repeat(2,1fr)}.hi-vtc-faqgrid{grid-template-columns:1fr}}
@media(max-width:640px){.hi-vtc-wrap{width:min(100% - 24px,1180px)}.hi-vtc-hero{padding-bottom:55px}.hi-vtc-title{font-size:36px}.hi-vtc-lead{font-size:16px}.hi-vtc-trust{grid-template-columns:1fr}.hi-vtc-actions{display:grid}.hi-vtc-btn{width:100%}.hi-vtc-fallback{min-height:290px}.hi-vtc-docbox{position:relative;right:auto;bottom:auto;width:calc(100% - 20px);margin:-28px auto 0}.hi-vtc-grid,.hi-vtc-factors,.hi-vtc-links{grid-template-columns:1fr}.hi-vtc-section{padding:50px 0}.hi-vtc-cta-box{padding:26px 22px;display:block}.hi-vtc-cta .hi-vtc-btn{margin-top:20px}.hi-vtc-card{padding:20px}}

/* v1.78.0 — contenu éditorial VTC structuré, sans mur de texte */
.hi-vtc-guide-section{background:#fff}.hi-vtc-guide-head{margin-bottom:24px}.hi-vtc-kicker{display:inline-flex;margin-bottom:8px;color:var(--vtc-red);font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.11em}.hi-vtc-editorial{max-width:1100px;margin:0 auto}.hi-vtc-editorial-lead{max-width:840px;margin:0 auto 22px;color:var(--vtc-muted);line-height:1.75}.hi-vtc-editorial-toc{margin:0 0 24px;padding:20px;border:1px solid var(--vtc-line);border-radius:18px;background:var(--vtc-soft)}.hi-vtc-editorial-toc>strong{display:block;margin-bottom:11px;color:var(--vtc-ink);font-size:14px}.hi-vtc-editorial-toc>div{display:flex;flex-wrap:wrap;gap:8px}.hi-vtc-editorial-toc a{display:inline-flex;padding:8px 11px;border:1px solid #dfe6ef;border-radius:999px;background:#fff;color:#46566d;text-decoration:none;font-size:12px;font-weight:750}.hi-vtc-editorial-toc a:hover{border-color:#f0b3bc;color:var(--vtc-red)}.hi-vtc-editorial-sections{display:grid;gap:22px}.hi-vtc-editorial-section{scroll-margin-top:110px;border:1px solid var(--vtc-line);border-radius:22px;padding:26px;background:#fff;box-shadow:0 9px 26px rgba(16,35,63,.045)}.hi-vtc-editorial-heading{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:start;margin-bottom:18px}.hi-vtc-editorial-heading>span{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#fff0f2;color:var(--vtc-red);font-size:12px;font-weight:900}.hi-vtc-editorial-heading h2{margin:2px 0 0;color:var(--vtc-ink);font-size:clamp(22px,2.4vw,31px);line-height:1.17;letter-spacing:-.025em}.hi-vtc-editorial-intro{margin:0 0 18px;padding:15px 17px;border-left:3px solid var(--vtc-red);border-radius:0 12px 12px 0;background:#fff8f9;color:#526177;line-height:1.7}.hi-vtc-editorial-intro p{margin:0}.hi-vtc-editorial-intro p+p{margin-top:10px}.hi-vtc-editorial-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}.hi-vtc-editorial-card{min-width:0;padding:18px;border:1px solid #e9eef4;border-radius:16px;background:var(--vtc-soft)}.hi-vtc-editorial-card h3{margin:0 0 9px;color:var(--vtc-ink);font-size:16px;line-height:1.3}.hi-vtc-editorial-copy{color:#56657a;font-size:14px;line-height:1.68}.hi-vtc-editorial-copy p{margin:0}.hi-vtc-editorial-copy p+p{margin-top:10px}.hi-vtc-editorial-copy ul,.hi-vtc-editorial-copy ol{margin:10px 0 0;padding-left:20px}.hi-vtc-editorial-copy li+li{margin-top:6px}.hi-vtc-editorial-copy a{color:var(--vtc-red);font-weight:750}.hi-vtc-editorial-copy strong{color:#2a394e}.hi-vtc-editorial-copy-wide{padding:18px;border-radius:16px;background:var(--vtc-soft)}
@media(max-width:760px){.hi-vtc-editorial-section{padding:20px 17px}.hi-vtc-editorial-heading{grid-template-columns:36px 1fr;gap:11px}.hi-vtc-editorial-heading>span{width:36px;height:36px}.hi-vtc-editorial-grid{grid-template-columns:1fr}.hi-vtc-editorial-toc>div{display:grid}.hi-vtc-editorial-toc a{border-radius:11px}.hi-vtc-editorial-card{padding:16px}}