/* ============================================
   CRÉDITO — Feuille de styles principale
   ============================================ */

:root {
  --navy-900:#0b1d3a;
  --navy-800:#102a4c;
  --navy-700:#173964;
  --navy-600:#1f4880;
  --navy-50:#eef3fa;
  --gold-500:#c9a86a;
  --gold-600:#b89255;
  --gold-100:#f7f0df;
  --emerald-500:#10b981;
  --emerald-50:#ecfdf5;
  --ink-900:#0f172a;
  --ink-700:#334155;
  --ink-500:#64748b;
  --ink-300:#cbd5e1;
  --line:#e6ebf2;
  --line-soft:#f1f4f9;
  --bg:#fafafa;
  --card:#ffffff;
  --danger:#dc2626;
  --shadow-sm:0 2px 8px rgba(0,0,0,.04);
  --shadow-md:0 4px 16px -2px rgba(0,0,0,.06);
  --shadow-lg:0 24px 60px -20px rgba(11,29,58,.18);
  --radius-sm:10px;
  --radius-md:14px;
  --radius-lg:18px;
  --radius-xl:22px;
  --container:1180px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
/* overflow-x: clip empêche tout débordement horizontal (bandes pleine largeur
   footer/mentions) sans créer de conteneur de défilement (préserve le header sticky). */
html, body { overflow-x: clip; max-width: 100%; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Outfit', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--ink-900);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: 0; }
img, svg { max-width: 100%; display: block; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 20px; }
@media (min-width: 768px) { .container { padding: 0 32px; } }

/* ============ HEADER & NAV ============ */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(180%) blur(10px);
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 700; letter-spacing: -.01em; flex: 0 0 auto; }
.logo-mark {
  width: 34px; height: 34px; border-radius: 9px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  display: grid; place-items: center; color: var(--gold-500);
  box-shadow: 0 2px 6px rgba(11,29,58,.18);
}
.logo-text { font-size: 18px; color: var(--navy-900); }
.logo-text span { color: var(--gold-600); }

.nav-links {
  display: none; gap: 6px; align-items: center;
}
@media (min-width: 980px) { .nav-links { display: flex; } }

.nav-link {
  font-size: 14.5px; color: var(--ink-700); font-weight: 500;
  padding: 10px 12px; border-radius: 8px;
  display: inline-flex; align-items: center; gap: 6px;
  transition: color .15s, background .15s;
}
.nav-link:hover { color: var(--navy-800); background: var(--navy-50); }
.nav-link.active { color: var(--navy-900); background: var(--navy-50); font-weight: 600; }
.nav-link .chev { opacity: .6; transition: transform .2s; }
.nav-item-dropdown { position: relative; }
.nav-item-dropdown.open .nav-link { color: var(--navy-800); background: var(--navy-50); }
.nav-item-dropdown.open .chev { transform: rotate(180deg); opacity: 1; }

.dropdown {
  position: absolute; top: calc(100% + 6px); left: 0;
  min-width: 280px; padding: 8px;
  background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: var(--shadow-lg);
  opacity: 0; pointer-events: none;
  transform: translateY(-6px);
  transition: opacity .15s, transform .15s;
  z-index: 60;
}
.nav-item-dropdown.open .dropdown {
  opacity: 1; pointer-events: auto; transform: translateY(0);
}
.dropdown a {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 10px 12px; border-radius: 8px;
  transition: background .15s;
}
.dropdown a:hover { background: var(--navy-50); }
.dropdown .ic {
  flex: 0 0 32px; width: 32px; height: 32px;
  border-radius: 8px; background: var(--navy-50);
  color: var(--navy-700); display: grid; place-items: center;
}
.dropdown a:hover .ic { background: var(--gold-100); color: var(--gold-600); }
.dropdown .info { display: flex; flex-direction: column; gap: 1px; }
.dropdown .info .t { font-size: 14px; font-weight: 600; color: var(--navy-900); }
.dropdown .info .s { font-size: 12.5px; color: var(--ink-500); }
.dropdown .sep { height: 1px; background: var(--line); margin: 6px 0; }

.nav-cta { display: flex; gap: 8px; align-items: center; flex: 0 0 auto; }
@media (max-width: 600px) { .nav-cta .phone-text { display: none; } }
/* Sur mobile, on masque le bouton "Faire une simulation" du header (il déborderait
   et masquerait le menu) : il reste dans le menu mobile et le hero. */
@media (max-width: 760px) { .nav-cta .btn-primary { display: none; } }

/* mobile menu */
.menu-btn {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 8px;
  background: transparent; color: var(--navy-800);
}
.menu-btn:hover { background: var(--navy-50); }
@media (min-width: 980px) { .menu-btn { display: none; } }

.mobile-menu {
  display: none; position: fixed; top: 68px; left: 0; right: 0;
  /* hauteur explicite (le header a un backdrop-filter qui "piège" les fixed :
     bottom:0 vaudrait 0, d'où l'ancienne zone minuscule). */
  height: calc(100vh - 68px); height: calc(100dvh - 68px);
  background: #fff; z-index: 60; overflow-y: auto;
  border-top: 1px solid var(--line);
  padding: 16px 20px 40px;
}
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block; padding: 14px 12px; font-size: 16px; font-weight: 500;
  color: var(--ink-900); border-radius: 8px;
  border-bottom: 1px solid var(--line-soft);
}
.mobile-menu a:hover { background: var(--navy-50); }
.mobile-menu .group-label { font-size: 12px; color: var(--ink-500); text-transform: uppercase; letter-spacing: .04em; font-weight: 700; padding: 18px 12px 8px; }
.mobile-menu .cta-row { display: flex; flex-direction: column; gap: 10px; margin-top: 20px; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 18px; border-radius: 10px; font-weight: 600; font-size: 14.5px;
  border: 1px solid transparent; transition: all .2s ease;
  white-space: nowrap;
}
.btn-ghost { background: transparent; color: var(--navy-800); }
.btn-ghost:hover { background: var(--navy-50); }
.btn-primary { background: var(--navy-800); color: #fff; }
.btn-primary:hover { background: var(--navy-700); transform: translateY(-1px); box-shadow: 0 8px 18px rgba(11,29,58,.18); }
.btn-gold { background: linear-gradient(135deg, var(--gold-500), var(--gold-600)); color: #1c1306; border: 0; }
.btn-gold:hover { transform: translateY(-1px); box-shadow: 0 8px 18px rgba(201,168,106,.35); }
.btn-outline { background: #fff; color: var(--navy-800); border-color: var(--line); }
.btn-outline:hover { border-color: var(--navy-800); }
.btn-block { width: 100%; padding: 14px 20px; font-size: 15.5px; }
.btn-sm { padding: 8px 14px; font-size: 13.5px; }

/* ============ EYEBROW ============ */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 12px; border-radius: 999px;
  background: var(--gold-100); color: var(--gold-600);
  font-size: 13px; font-weight: 600; letter-spacing: .02em;
  border: 1px solid rgba(201,168,106,.3);
}
.eyebrow .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-500); box-shadow: 0 0 0 4px rgba(201,168,106,.18); }

/* ============ SECTIONS ============ */
section.block { padding: 40px 0; border-bottom: 1px solid var(--line); }
section.block:last-of-type { border-bottom: 0; }
@media (min-width: 768px) { section.block { padding: 56px 0; } }

.section-head { max-width: 720px; margin: 0 auto 32px; text-align: center; }
.section-head.left { text-align: left; margin-left: 0; }
.section-head .eyebrow { margin-bottom: 14px; }
.section-head h2 {
  font-size: clamp(26px, 3.4vw, 38px);
  line-height: 1.15; letter-spacing: -.015em;
  color: var(--navy-900); margin: 0 0 12px; font-weight: 700;
}
.section-head p { color: var(--ink-500); font-size: 16.5px; margin: 0; }

/* ============ HERO ============ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 500px at 80% -20%, rgba(201,168,106,.18), transparent 60%),
    radial-gradient(900px 600px at -10% 10%, rgba(31,72,128,.10), transparent 55%),
    linear-gradient(180deg, #fbfcfe 0%, #fafafa 100%);
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid; gap: 40px; grid-template-columns: 1fr; align-items: center;
  padding: 48px 0 64px;
}
@media (min-width: 980px) {
  .hero-grid { grid-template-columns: 1.1fr .9fr; gap: 64px; padding: 80px 0 88px; }
}
.hero h1 {
  font-size: clamp(30px, 4.6vw, 50px); line-height: 1.06;
  letter-spacing: -.02em; margin: 18px 0 18px;
  color: var(--navy-900); font-weight: 700;
}
.hero h1 .accent { color: var(--gold-600); }
.hero p.lead { font-size: 17px; color: var(--ink-700); max-width: 540px; margin: 0 0 28px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 36px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 16px 28px; align-items: center; color: var(--ink-500); font-size: 13.5px; }
.trust-row > div { display: flex; align-items: center; gap: 8px; }
.trust-row svg { color: var(--navy-700); }

/* page hero (smaller) */
.page-hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(800px 400px at 90% -30%, rgba(201,168,106,.15), transparent 60%),
    linear-gradient(180deg, #0b1d3a 0%, #102a4c 100%);
  color: #fff;
  border-bottom: 1px solid var(--line);
  padding: 56px 0 64px;
}
@media (min-width: 768px) { .page-hero { padding: 80px 0 88px; } }
.page-hero .eyebrow { background: rgba(201,168,106,.18); color: #e8d2a3; border-color: rgba(201,168,106,.3); }
.page-hero .eyebrow .dot { background: #e8d2a3; box-shadow: 0 0 0 4px rgba(201,168,106,.18); }
.page-hero h1 { font-size: clamp(28px, 4vw, 44px); line-height: 1.1; letter-spacing: -.02em; margin: 14px 0 12px; font-weight: 700; }
.page-hero p.lead { font-size: 17px; color: #b6c2d6; max-width: 640px; margin: 0 0 24px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 13px; color: #93a3c0; margin-bottom: 14px; }
.breadcrumb a { color: #b6c2d6; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb svg { color: #6b7a99; }

/* hero card / simulator */
.hero-card {
  position: relative; background: #fff; border: 1px solid var(--line);
  border-radius: 20px; padding: 28px;
  box-shadow: var(--shadow-lg), var(--shadow-sm);
}
.hero-card::before {
  content: ""; position: absolute; inset: -1px; border-radius: 20px; padding: 1px;
  background: linear-gradient(135deg, rgba(201,168,106,.5), transparent 40%, rgba(31,72,128,.35));
  -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none;
}
.hero-card h3 { font-size: 18px; margin: 0 0 4px; color: var(--navy-900); }
.hero-card p.muted { color: var(--ink-500); font-size: 14px; margin: 0 0 22px; }

/* ============ CARDS / GRIDS ============ */
.types-grid { display: grid; grid-template-columns: 1fr; gap: 18px; }
@media (min-width: 640px) { .types-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .types-grid { grid-template-columns: repeat(4, 1fr); gap: 22px; } }

.type-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 24px; transition: all .25s ease; position: relative; overflow: hidden;
  display: flex; flex-direction: column;
}
.type-card:hover { transform: translateY(-3px); box-shadow: 0 18px 40px -20px rgba(11,29,58,.18); border-color: var(--navy-600); }
.type-icon {
  width: 44px; height: 44px; border-radius: 12px; background: var(--navy-50);
  color: var(--navy-700); display: grid; place-items: center; margin-bottom: 16px;
}
.type-card h3 { font-size: 17px; margin: 0 0 6px; color: var(--navy-900); }
.type-card p { font-size: 14px; color: var(--ink-500); margin: 0 0 14px; line-height: 1.5; flex: 1; }
.type-card .from { font-size: 12.5px; color: var(--ink-500); letter-spacing: .04em; text-transform: uppercase; }
.type-card .from b { color: var(--navy-900); font-size: 15px; letter-spacing: 0; text-transform: none; }
.type-card .arrow { position: absolute; top: 20px; right: 20px; color: var(--ink-300); transition: all .2s ease; }
.type-card:hover .arrow { color: var(--gold-600); transform: translateX(2px); }

/* why grid */
.why-grid { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 720px) { .why-grid { grid-template-columns: repeat(2, 1fr); gap: 22px; } }
@media (min-width: 1020px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }
.why {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md);
  padding: 24px; display: flex; gap: 16px; align-items: flex-start;
}
.why .ic { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 10px; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; }
.why h4 { font-size: 15.5px; margin: 0 0 4px; color: var(--navy-900); }
.why p { font-size: 14px; color: var(--ink-500); margin: 0; line-height: 1.55; }

/* process (dark) */
.process {
  background: linear-gradient(180deg, #0b1d3a 0%, #102a4c 100%);
  color: #fff; border-bottom: 0;
}
.process .section-head h2 { color: #fff; }
.process .section-head p { color: #b6c2d6; }
.process .eyebrow { background: rgba(201,168,106,.18); color: #e8d2a3; border-color: rgba(201,168,106,.3); }
.process .eyebrow .dot { background: #e8d2a3; box-shadow: 0 0 0 4px rgba(201,168,106,.18); }
.steps { display: grid; grid-template-columns: 1fr; gap: 18px; position: relative; }
@media (min-width: 780px) { .steps { grid-template-columns: repeat(4, 1fr); gap: 22px; } }
.step {
  position: relative; background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08); border-radius: var(--radius-lg); padding: 24px;
}
.step-num {
  width: 36px; height: 36px; border-radius: 10px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-600));
  color: #1c1306; display: grid; place-items: center; font-weight: 700; margin-bottom: 14px;
}
.step h4 { font-size: 16px; margin: 0 0 6px; color: #fff; }
.step p { font-size: 14px; color: #b6c2d6; margin: 0; line-height: 1.55; }
.step .meta { font-size: 12.5px; color: #e8d2a3; margin-top: 12px; font-weight: 600; letter-spacing: .02em; }

/* ============ STATS ============ */
.stats-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-bottom: 48px; }
@media (min-width: 720px) { .stats-row { grid-template-columns: repeat(4, 1fr); } }
.stat { text-align: center; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); padding: 22px 16px; }
.stat .n { font-size: 30px; font-weight: 700; color: var(--navy-900); letter-spacing: -.02em; line-height: 1; }
@media (min-width: 768px) { .stat .n { font-size: 34px; } }
.stat .n span { color: var(--gold-600); }
.stat .l { font-size: 13px; color: var(--ink-500); margin-top: 8px; }

/* ============ TESTIMONIALS ============ */
.testimonial-carousel { display: flex; gap: 18px; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; padding: 2px 2px 14px; scrollbar-width: thin; }
.testimonial-carousel .t-card { flex: 0 0 min(100%, 350px); scroll-snap-align: start; }
.carousel-controls { display: flex; justify-content: center; gap: 10px; margin-top: 18px; }
.carousel-btn { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 50%; background: var(--navy-900); color: #fff; font-size: 20px; line-height: 1; transition: background .15s, transform .15s; }
.carousel-btn:hover { background: var(--navy-700); transform: translateY(-1px); }
.carousel-btn:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; }
.t-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); padding: 24px; display: flex; flex-direction: column; gap: 14px; }
.t-stars { display: flex; gap: 2px; color: var(--gold-500); }
.t-text { font-size: 14.5px; color: var(--ink-700); line-height: 1.6; margin: 0; }
.t-author { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.t-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-600));
  color: #fff; display: grid; place-items: center; font-weight: 600; font-size: 15px;
}
.t-name { font-size: 14px; font-weight: 600; color: var(--navy-900); }
.t-meta { font-size: 12.5px; color: var(--ink-500); }

/* ============ FAQ ============ */
.faq { display: flex; flex-direction: column; gap: 10px; max-width: 820px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); padding: 0; overflow: hidden; }
.faq summary {
  list-style: none; cursor: pointer; padding: 18px 22px;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  font-size: 15.5px; font-weight: 600; color: var(--navy-900);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .chev { color: var(--ink-500); transition: transform .2s ease; }
.faq details[open] summary .chev { transform: rotate(180deg); color: var(--gold-600); }
.faq .ans { padding: 0 22px 20px; color: var(--ink-700); font-size: 14.5px; line-height: 1.6; }

/* ============ FORM (multi-step) ============ */
.form-section { background: linear-gradient(180deg, #fafafa 0%, #f4f6fa 100%); }
.form-wrap {
  display: grid; grid-template-columns: 1fr; gap: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-xl);
  overflow: hidden; box-shadow: 0 30px 60px -30px rgba(11,29,58,.18);
}
@media (min-width: 980px) { .form-wrap { grid-template-columns: 1fr 1.4fr; } }

.form-side {
  background: linear-gradient(180deg, #0b1d3a 0%, #102a4c 100%);
  color: #fff; padding: 32px; position: relative;
}
@media (min-width: 980px) { .form-side { padding: 40px; } }
.form-side h3 { font-size: 22px; margin: 0 0 8px; color: #fff; }
.form-side > p { color: #b6c2d6; font-size: 14.5px; margin: 0 0 24px; }
.form-side ul { list-style: none; padding: 0; margin: 0 0 24px; display: flex; flex-direction: column; gap: 12px; }
.form-side li { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: #e2e8f0; }
.form-side li svg { flex: 0 0 18px; color: var(--gold-500); margin-top: 2px; }
.form-side .helpbox {
  margin-top: 8px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08);
  border-radius: 12px; padding: 16px;
}
.form-side .helpbox .label { font-size: 12.5px; color: #e8d2a3; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 6px; }
.form-side .helpbox .value { font-size: 15px; color: #fff; }
.form-side .helpbox small { font-size: 12.5px; color: #b6c2d6; display: block; margin-top: 4px; }

.form-main { padding: 28px; }
@media (min-width: 980px) { .form-main { padding: 40px; } }

.stepper { display: flex; align-items: center; gap: 0; margin-bottom: 28px; list-style: none; padding: 0; }
.stepper-item { display: flex; align-items: center; gap: 10px; flex: 1; min-width: 0; }
.stepper-item .b {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center;
  background: var(--line-soft); color: var(--ink-500); font-weight: 700; font-size: 13px;
  border: 2px solid transparent; flex: 0 0 30px;
}
.stepper-item .t { font-size: 13px; color: var(--ink-500); font-weight: 500; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.stepper-item.active .b { background: var(--navy-800); color: #fff; border-color: var(--navy-800); }
.stepper-item.active .t { color: var(--navy-900); font-weight: 600; }
.stepper-item.done .b { background: var(--emerald-500); color: #fff; border-color: var(--emerald-500); }
.stepper-item.done .t { color: var(--ink-700); }
.stepper-line { flex: 1; height: 2px; background: var(--line); margin: 0 6px; min-width: 12px; }
.stepper-item.done + .stepper-line { background: var(--emerald-500); }

.form-panel { display: none; }
.form-panel.active { display: block; animation: fadeIn .25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: translateY(0); } }

.form-grid { display: grid; grid-template-columns: 1fr; gap: 14px; }
@media (min-width: 600px) { .form-grid.cols-2 { grid-template-columns: 1fr 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-size: 13.5px; font-weight: 600; color: var(--ink-700); }
.field .hint { font-size: 12.5px; color: var(--ink-500); }
.field input,
.field select,
.field textarea {
  width: 100%; padding: 12px 14px; font-size: 15px; color: var(--ink-900);
  background: #fff; border: 1.5px solid var(--line); border-radius: 10px;
  font-family: inherit; transition: all .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-600); box-shadow: 0 0 0 4px rgba(31,72,128,.12);
}
.field input::placeholder, .field textarea::placeholder { color: #94a3b8; }
.field.error input, .field.error select { border-color: var(--danger); box-shadow: 0 0 0 4px rgba(220,38,38,.08); }
.field .err { font-size: 12.5px; color: var(--danger); display: none; }
.field.error .err { display: block; }
.with-prefix, .with-suffix { position: relative; }
.with-prefix .prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--ink-500); font-size: 14.5px; font-weight: 500; pointer-events: none; }
.with-prefix input { padding-left: 36px; }
.with-suffix .suffix { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--ink-500); font-size: 14.5px; pointer-events: none; }
.with-suffix input { padding-right: 42px; }

.radio-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (min-width: 600px) {
  .radio-row.cols-3 { grid-template-columns: repeat(3, 1fr); }
  .radio-row.cols-4 { grid-template-columns: repeat(4, 1fr); }
}
.radio-card {
  border: 1.5px solid var(--line); border-radius: 10px; padding: 12px 14px;
  display: flex; align-items: center; gap: 10px; cursor: pointer; background: #fff;
  transition: all .15s ease;
}
.radio-card:hover { border-color: var(--navy-600); }
.radio-card input { accent-color: var(--navy-700); width: 16px; height: 16px; }
.radio-card .lbl { font-size: 14.5px; color: var(--ink-900); font-weight: 500; }
.radio-card.selected { border-color: var(--navy-700); background: var(--navy-50); }
.radio-card .sub { display: block; font-size: 12px; color: var(--ink-500); font-weight: 400; margin-top: 1px; }

.form-actions {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line-soft); gap: 12px; flex-wrap: wrap;
}
.form-actions .right { display: flex; gap: 10px; margin-left: auto; }
.legal-mini { font-size: 12px; color: var(--ink-500); line-height: 1.55; }
.legal-mini a { color: var(--navy-700); text-decoration: underline; }

.summary {
  background: var(--navy-50); border: 1px solid #dde6f3; border-radius: 12px;
  padding: 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 20px;
}
.summary .row { display: flex; flex-direction: column; gap: 2px; }
.summary .k { font-size: 12px; color: var(--ink-500); text-transform: uppercase; letter-spacing: .04em; font-weight: 600; }
.summary .v { font-size: 15px; color: var(--navy-900); font-weight: 600; }
.summary .v.big { font-size: 22px; color: var(--gold-600); font-weight: 700; letter-spacing: -.01em; }

.checkbox {
  display: flex; gap: 10px; align-items: flex-start; cursor: pointer;
  padding: 12px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
}
.checkbox input { margin-top: 3px; accent-color: var(--navy-700); width: 16px; height: 16px; }
.checkbox .t { font-size: 13.5px; color: var(--ink-700); line-height: 1.5; }
.checkbox .t a { color: var(--navy-700); text-decoration: underline; }

.success { text-align: center; padding: 32px 16px; }
.success .check { width: 72px; height: 72px; border-radius: 50%; background: var(--emerald-50); color: var(--emerald-500); display: grid; place-items: center; margin: 0 auto 18px; }
.success h3 { font-size: 24px; margin: 0 0 8px; color: var(--navy-900); }
.success p { color: var(--ink-500); font-size: 15px; margin: 0 0 18px; }
.success .ref { display: inline-block; padding: 10px 16px; background: var(--navy-50); border: 1px dashed var(--navy-600); border-radius: 10px; font-family: 'JetBrains Mono', monospace; font-size: 14px; color: var(--navy-900); }

/* simulator */
.sim-bar { height: 8px; background: var(--line-soft); border-radius: 6px; overflow: hidden; margin-top: 8px; }
.sim-bar > div { height: 100%; background: linear-gradient(90deg, var(--navy-700), var(--gold-500)); border-radius: 6px; transition: width .3s; }

/* ============ FOOTER ============ */
footer { background: var(--navy-900); color: #cbd5e1; padding: 60px 0 30px; }
.foot-grid { display: grid; grid-template-columns: 1fr; gap: 32px; margin-bottom: 40px; }
@media (min-width: 720px) { .foot-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; } }
.foot h5 { color: #fff; font-size: 14px; margin: 0 0 14px; letter-spacing: .02em; text-transform: uppercase; font-weight: 600; }
.foot ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.foot a { color: #cbd5e1; font-size: 14px; transition: color .15s; }
.foot a:hover { color: #fff; }
.foot-about { font-size: 14px; line-height: 1.65; color: #9aa8c0; max-width: 340px; margin: 0 0 16px; }
.foot-bottom {
  border-top: 1px solid #1d2d4d; padding-top: 24px;
  display: flex; flex-direction: column; gap: 14px; align-items: flex-start;
  font-size: 12.5px; color: #7c8aa6;
}
@media (min-width: 720px) { .foot-bottom { flex-direction: row; justify-content: space-between; align-items: center; } }
.regulators { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; }
.reg { display: flex; align-items: center; gap: 8px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); border-radius: 8px; padding: 8px 12px; font-size: 12px; color: #cbd5e1; }
.reg svg { color: var(--gold-500); }

/* ============ UTILITIES ============ */
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.mt-2 { margin-top: 8px; } .mt-3 { margin-top: 12px; } .mt-4 { margin-top: 16px; } .mt-6 { margin-top: 24px; } .mt-8 { margin-top: 32px; }
.text-center { text-align: center; }
.flex { display: flex; }
.gap-2 { gap: 8px; } .gap-3 { gap: 12px; } .gap-4 { gap: 16px; }

/* ============ ARTICLE / CONTENT ============ */
.content { max-width: 800px; margin: 0 auto; }
.content h2 { font-size: clamp(22px, 2.6vw, 28px); color: var(--navy-900); margin: 36px 0 12px; letter-spacing: -.01em; }
.content h3 { font-size: 18px; color: var(--navy-900); margin: 24px 0 10px; }
.content p { color: var(--ink-700); font-size: 16px; line-height: 1.7; margin: 0 0 14px; }
.content ul { color: var(--ink-700); font-size: 16px; line-height: 1.7; padding-left: 22px; margin: 0 0 16px; }
.content li { margin-bottom: 6px; }
.content strong { color: var(--navy-900); }
.content a { color: var(--navy-700); text-decoration: underline; }

.feature-list { list-style: none; padding: 0; margin: 24px 0; display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 600px) { .feature-list { grid-template-columns: 1fr 1fr; } }
.feature-list li { display: flex; gap: 12px; align-items: flex-start; padding: 14px; background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.feature-list .ic { flex: 0 0 32px; width: 32px; height: 32px; border-radius: 8px; background: var(--navy-50); color: var(--navy-700); display: grid; place-items: center; }
.feature-list b { color: var(--navy-900); display: block; margin-bottom: 2px; font-size: 14.5px; }
.feature-list span { color: var(--ink-500); font-size: 13.5px; line-height: 1.5; }

.cta-banner {
  background: linear-gradient(135deg, #0b1d3a 0%, #102a4c 100%);
  color: #fff; border-radius: var(--radius-lg); padding: 40px 28px;
  display: flex; flex-direction: column; gap: 16px; align-items: flex-start;
}
@media (min-width: 720px) { .cta-banner { padding: 48px 40px; flex-direction: row; align-items: center; justify-content: space-between; gap: 32px; } }
.cta-banner h3 { font-size: 22px; margin: 0 0 6px; color: #fff; }
.cta-banner p { color: #b6c2d6; margin: 0; font-size: 15px; }
.cta-banner .cta-actions { display: flex; gap: 10px; flex-wrap: wrap; }

/* contact page */
.contact-grid { display: grid; grid-template-columns: 1fr; gap: 24px; }
@media (min-width: 880px) { .contact-grid { grid-template-columns: 1fr 1.2fr; gap: 40px; } }
.contact-info { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md); padding: 28px; }
.contact-info h3 { font-size: 18px; margin: 0 0 16px; color: var(--navy-900); }
.contact-row { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid var(--line-soft); }
.contact-row:last-child { border-bottom: 0; }
.contact-row .ic { flex: 0 0 36px; width: 36px; height: 36px; border-radius: 8px; background: var(--navy-50); color: var(--navy-700); display: grid; place-items: center; }
.contact-row b { display: block; color: var(--navy-900); font-size: 14.5px; margin-bottom: 2px; }
.contact-row span { color: var(--ink-500); font-size: 13.5px; line-height: 1.5; }
.contact-row a { color: var(--navy-700); font-weight: 500; }
.contact-row a:hover { text-decoration: underline; }

/* ============================================================
   ACCESSIBILITÉ — ajouts
   ============================================================ */
/* Lien d'évitement */
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 200;
  background: var(--navy-900); color: #fff; padding: 10px 16px;
  border-radius: 8px; font-weight: 600; font-size: 14px;
  transition: top .15s ease;
}
.skip-link:focus { top: 12px; outline: 3px solid var(--gold-500); outline-offset: 2px; }

/* Focus visible cohérent au clavier (sans gêner la souris) */
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; border-radius: 4px; }
.btn:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; }
.page-hero a:focus-visible, .process a:focus-visible, footer a:focus-visible { outline-color: #e8d2a3; }

main { display: block; }

/* aria-current sur la nav */
.nav-link[aria-current="page"] { color: var(--navy-900); background: var(--navy-50); font-weight: 600; }

/* Respect de prefers-reduced-motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important; animation-iteration-count: 1 !important;
    transition-duration: .001ms !important; scroll-behavior: auto !important;
  }
}

/* ============================================================
   IMAGES / MÉDIAS
   ============================================================ */
figure { margin: 0; }
.media { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); background: var(--navy-50); }
.media img { width: 100%; height: 100%; object-fit: cover; display: block; }
.ratio { position: relative; width: 100%; }
.ratio > img, .ratio > iframe { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.ratio-16x9 { aspect-ratio: 16 / 9; }
.ratio-4x3 { aspect-ratio: 4 / 3; }
.ratio-1x1 { aspect-ratio: 1 / 1; }
.ratio-3x2 { aspect-ratio: 3 / 2; }
.rounded { border-radius: var(--radius-lg); }
figcaption { font-size: 12.5px; color: var(--ink-500); margin-top: 8px; }

/* ============================================================
   BANDEAU LOGOS / CONFIANCE
   ============================================================ */
.logos-strip { padding: 32px 0; border-bottom: 1px solid var(--line); background: #fff; }
.logos-strip .lead-line { text-align: center; font-size: 13px; color: var(--ink-500); text-transform: uppercase; letter-spacing: .08em; font-weight: 600; margin-bottom: 20px; }
.logos { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 22px 40px; }
.logos .logo-item { display: flex; align-items: center; gap: 8px; color: var(--ink-500); font-weight: 700; font-size: 15px; letter-spacing: .01em; opacity: .8; }
.logos .logo-item svg { color: var(--navy-600); }

/* ============================================================
   SECTION SPLIT (texte + image)
   ============================================================ */
.split { display: grid; grid-template-columns: 1fr; gap: 32px; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 56px; } .split.reverse .split-media { order: -1; } }
.split-body h2 { font-size: clamp(24px, 3vw, 34px); color: var(--navy-900); letter-spacing: -.015em; margin: 12px 0 14px; line-height: 1.15; }
.split-body p { color: var(--ink-700); font-size: 16px; line-height: 1.7; margin: 0 0 16px; }
.split-media { position: relative; }
.check-list { list-style: none; padding: 0; margin: 18px 0 24px; display: flex; flex-direction: column; gap: 12px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; color: var(--ink-700); }
.check-list li svg { flex: 0 0 22px; color: var(--emerald-500); margin-top: 2px; }
.check-list b { color: var(--navy-900); }

/* Encadré média avec pastille */
.media-badge { position: absolute; bottom: 16px; left: 16px; right: 16px; background: rgba(255,255,255,.94); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; display: flex; align-items: center; gap: 12px; box-shadow: var(--shadow-md); }
.media-badge .ic { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 10px; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; }
.media-badge .t { font-size: 14px; font-weight: 700; color: var(--navy-900); }
.media-badge .s { font-size: 12.5px; color: var(--ink-500); }

/* ============================================================
   GUIDES / BLOG
   ============================================================ */
.guides { display: grid; grid-template-columns: 1fr; gap: 22px; }
@media (min-width: 720px) { .guides { grid-template-columns: repeat(3, 1fr); } }
.guide-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; display: flex; flex-direction: column; transition: all .25s ease; }
.guide-card:hover { transform: translateY(-3px); box-shadow: 0 18px 40px -20px rgba(11,29,58,.18); border-color: var(--navy-600); }
.guide-card .thumb { aspect-ratio: 16 / 9; background: var(--navy-50); }
.guide-card .thumb img { width: 100%; height: 100%; object-fit: cover; }
.guide-card .body { padding: 20px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.guide-card .tag { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--gold-600); margin-bottom: 8px; }
.guide-card h3 { font-size: 17px; color: var(--navy-900); margin: 0 0 8px; line-height: 1.3; }
.guide-card p { font-size: 14px; color: var(--ink-500); line-height: 1.55; margin: 0 0 14px; flex: 1; }
.guide-card .more { font-size: 13.5px; font-weight: 600; color: var(--navy-700); display: inline-flex; align-items: center; gap: 6px; }

/* ============================================================
   TABLEAU COMPARATIF
   ============================================================ */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); background: #fff; }
.compare-table { width: 100%; border-collapse: collapse; min-width: 640px; }
.compare-table th, .compare-table td { padding: 14px 18px; text-align: left; border-bottom: 1px solid var(--line-soft); font-size: 14.5px; }
.compare-table thead th { background: var(--navy-50); color: var(--navy-900); font-weight: 700; font-size: 13.5px; text-transform: uppercase; letter-spacing: .03em; }
.compare-table tbody th { color: var(--navy-900); font-weight: 600; }
.compare-table td { color: var(--ink-700); }
.compare-table tr:last-child td, .compare-table tr:last-child th { border-bottom: 0; }
.compare-table .yes { color: var(--emerald-500); font-weight: 700; }
.compare-table .no { color: var(--ink-300); }

/* ============================================================
   BANNIÈRE COOKIES (CMP simplifiée)
   ============================================================ */
.cookie-banner {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 300;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 20px 22px;
  display: none; gap: 18px; align-items: center; flex-wrap: wrap;
  max-width: 920px; margin: 0 auto;
}
.cookie-banner.show { display: flex; }
.cookie-banner .txt { flex: 1 1 320px; font-size: 13.5px; color: var(--ink-700); line-height: 1.55; }
.cookie-banner .txt a { color: var(--navy-700); text-decoration: underline; }
.cookie-banner .actions { display: flex; gap: 10px; flex-wrap: wrap; }

/* ============================================================
   FORMULAIRES — état & messages accessibles
   ============================================================ */
.field input[aria-invalid="true"], .field select[aria-invalid="true"], .field textarea[aria-invalid="true"] {
  border-color: var(--danger); box-shadow: 0 0 0 4px rgba(220,38,38,.08);
}
.form-status { border-radius: 10px; padding: 14px 16px; font-size: 14px; margin: 16px 0 0; display: none; }
.form-status.show { display: block; }
.form-status.success { background: var(--emerald-50); border: 1px solid #bbf7d0; color: #065f46; }
.form-status.error { background: #fef2f2; border: 1px solid #fecaca; color: #991b1b; }
.form-status.info { background: var(--navy-50); border: 1px solid #dde6f3; color: var(--navy-800); }
.btn[aria-busy="true"] { opacity: .7; pointer-events: none; }

/* ============================================================
   HERO — carrousel de 3 messages (auto-slide)
   ============================================================ */
.hero-slider { position: relative; }
.hero-slide {
  position: absolute; inset: 0; opacity: 0; visibility: hidden;
  pointer-events: none; transition: opacity .5s ease;
}
.hero-slide.active {
  position: relative; opacity: 1; visibility: visible; pointer-events: auto;
}
/* Titres de slides (h2) alignés sur le style du h1 du hero */
.hero-slide h1, .hero-slide h2 {
  font-size: clamp(30px, 4.6vw, 50px); line-height: 1.06;
  letter-spacing: -.02em; margin: 18px 0 18px;
  color: var(--navy-900); font-weight: 700;
}
.hero-slide h1 .accent, .hero-slide h2 .accent { color: var(--gold-600); }

.hero-dots { display: flex; gap: 8px; margin-top: 26px; }
.hero-dot {
  width: 28px; height: 6px; border-radius: 999px; padding: 0;
  background: var(--ink-300); border: 0; cursor: pointer;
  transition: background .2s ease, width .2s ease;
}
.hero-dot:hover { background: var(--navy-600); }
.hero-dot.on { background: var(--gold-500); width: 42px; }

/* --- Hero plein-fond : image par slide + voile + texte clair --- */
.hero { background: var(--navy-900); }
.hero .hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background-size: cover; background-position: center;
  opacity: 0; transition: opacity .6s ease;
}
.hero .hero-bg.active { opacity: 1; }
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(90deg, rgba(11,29,58,.92) 0%, rgba(11,29,58,.66) 45%, rgba(11,29,58,.42) 100%);
}
.hero .container { position: relative; z-index: 2; }
.hero h1, .hero-slide h1, .hero-slide h2 { color: #fff; }
.hero p.lead { color: #d7e0ee; }
.hero .eyebrow { background: rgba(201,168,106,.18); color: #e8d2a3; border-color: rgba(201,168,106,.35); }
.hero .eyebrow .dot { background: #e8d2a3; box-shadow: 0 0 0 4px rgba(201,168,106,.18); }
.hero .trust-row { color: #c3cee0; }
.hero .trust-row svg { color: #e8d2a3; }
.hero .btn-primary { background: linear-gradient(135deg, var(--gold-500), var(--gold-600)); color: #1c1306; }
.hero .btn-primary:hover { box-shadow: 0 8px 18px rgba(201,168,106,.35); }
.hero .hero-dot { background: rgba(255,255,255,.38); }
.hero .hero-dot:hover { background: rgba(255,255,255,.65); }
.hero .hero-dot.on { background: var(--gold-500); }

/* Base sombre sous l'image de fond des hero de pages (lisibilité garantie) */
.page-hero { background-color: var(--navy-900); }

/* Bouton flottant WhatsApp */
.wa-fab {
  position: fixed; right: 20px; bottom: 20px; z-index: 250;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25D366; color: #fff; display: grid; place-items: center;
  box-shadow: 0 8px 24px rgba(0,0,0,.25);
  transition: transform .15s ease, box-shadow .15s ease;
}
.wa-fab:hover { transform: translateY(-2px) scale(1.05); box-shadow: 0 12px 28px rgba(0,0,0,.3); }
.wa-fab:focus-visible { outline: 3px solid #25D366; outline-offset: 3px; }
@media (max-width: 600px) { .wa-fab { width: 52px; height: 52px; right: 16px; bottom: 16px; } }

/* ============================================================
   ANIMATIONS — apparition au défilement (scroll reveal)
   ============================================================ */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .55s ease, transform .55s ease; }
.reveal.reveal-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal.reveal-in { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* CTA final (avant le footer) : pulsation continue pour attirer l'attention */
@keyframes cta-pulse {
  0%, 100% { transform: scale(1); box-shadow: 0 0 0 0 rgba(201,168,106,.5); }
  50%      { transform: scale(1.045); box-shadow: 0 0 0 14px rgba(201,168,106,0); }
}
.cta-final .cta-actions .btn-gold { animation: cta-pulse 2.2s ease-in-out infinite; }
.cta-final .cta-actions .btn-gold:hover { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) {
  .cta-final .cta-actions .btn-gold { animation: none; }
}

/* Repère visible pour les données à compléter avant mise en ligne */
.todo-fill {
  background: #fff7ed; color: #9a3412; border: 1px dashed #fdba74;
  padding: 0 6px; border-radius: 5px; font-weight: 600; font-size: .92em;
  font-family: 'JetBrains Mono', monospace;
}