/* Prêtaly : feuille de style du site.
   Valeurs issues du design system Prêtaly (palette, typographies, rayons, ombres, mouvement). */

/* ------------------------------------------------------------------ tokens */
:root {
  --navy: #14284B;
  --navy-50: #F2F4F8;
  --navy-100: #E3E8F0;
  --navy-200: #C9D1E0;
  --navy-300: #9DABC4;
  --navy-400: #6F82A6;
  --navy-600: #2F4672;
  --navy-700: #203763;
  --navy-900: #0E1C36;
  --navy-950: #091226;

  --gold: #C8963E;
  --gold-light: #E0B062;
  --gold-hover: #E8BF78;
  --gold-100: #F8EFDC;
  --gold-200: #F0DDB6;
  --gold-800: #8A6424;

  --ivory: #FBF8F2;
  --ivory-100: #F5EFE3;
  --ivory-200: #EDE5D5;
  --ivory-300: #E0D5BF;
  --white: #FFFFFF;
  --slate: #4A5568;
  --mist: #C9D1E0;

  --success: #2F6B4F;  --success-bg: #E8F2EC;
  --warning: #94570F;  --warning-bg: #FBF0DF;
  --error: #A33A32;    --error-bg: #F9E9E7;
  --info: #2B5788;     --info-bg: #E7EEF7;

  --font-serif: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-sans: 'Manrope', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;

  --r-xs: 2px; --r-sm: 4px; --r-md: 6px; --r-lg: 8px; --r-xl: 12px;

  --shadow-sm: 0 1px 2px rgba(20, 40, 75, .06), 0 1px 1px rgba(20, 40, 75, .04);
  --shadow-md: 0 12px 32px -14px rgba(20, 40, 75, .22), 0 2px 6px -2px rgba(20, 40, 75, .06);
  --shadow-lg: 0 32px 64px -28px rgba(9, 18, 38, .55), 0 8px 20px -10px rgba(9, 18, 38, .25);

  --ease: cubic-bezier(.2, .7, .2, 1);
  --t-fast: 140ms; --t: 220ms; --t-slow: 420ms;

  --container: 1200px;
  --gutter: 24px;
  --section: 96px;
  --header-h: 76px;

  --pattern: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='32' viewBox='0 0 56 32'%3E%3Cpolyline points='5,24 28,8 51,24' fill='none' stroke='%23C9D1E0' stroke-width='5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* ------------------------------------------------------------------ base */
*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  background: var(--ivory);
  color: var(--navy);
  font: 500 16px/1.65 var(--font-sans);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
::selection { background: var(--gold-200); color: var(--navy); }

h1, h2, h3, h4, .display, .h1, .h2, .h3, .h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-optical-sizing: auto;
  letter-spacing: -.02em;
  line-height: 1.12;
  margin: 0 0 .5em;
  color: inherit;
  text-wrap: balance;
}
.display { font-size: clamp(2.5rem, 2.6vw + 1.6rem, 4.25rem); line-height: 1.06; }
h1, .h1 { font-size: clamp(2.25rem, 2.2vw + 1.4rem, 3.5rem); line-height: 1.08; }
h2, .h2 { font-size: clamp(1.875rem, 1.4vw + 1.3rem, 2.5rem); }
h3, .h3 { font-size: clamp(1.375rem, .6vw + 1.15rem, 1.875rem); letter-spacing: -.015em; }
h4, .h4 { font-size: 1.375rem; letter-spacing: -.01em; line-height: 1.25; }
.h5 { font: 800 1.0625rem/1.4 var(--font-sans); letter-spacing: 0; }
.lead { font-size: clamp(1.0625rem, .35vw + 1rem, 1.25rem); line-height: 1.6; color: var(--slate); }
.small { font-size: .875rem; }
.caption { font-size: .75rem; line-height: 1.5; color: var(--slate); }
.muted { color: var(--slate); }
.overline {
  font: 800 .75rem/1.4 var(--font-sans);
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--gold-800);
  margin: 0 0 18px;
}
.overline-light { color: var(--gold-light); }
.num { font-family: var(--font-serif); font-weight: 600; font-variant-numeric: lining-nums tabular-nums; letter-spacing: -.02em; }

.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.container-narrow { max-width: calc(860px + var(--gutter) * 2); }

.ico { width: 20px; height: 20px; flex: none; }
.ico-sm { width: 16px; height: 16px; }

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 100;
  background: var(--navy); color: var(--ivory); padding: 10px 16px; border-radius: var(--r-sm);
  font-weight: 600; text-decoration: none; transition: top var(--t) var(--ease);
}
.skip-link:focus { top: 12px; }

:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

/* ------------------------------------------------------------------ logo */
.logo { display: inline-flex; flex-direction: column; align-items: center; text-decoration: none; color: var(--navy); flex: none; }
.logo-word {
  font-family: var(--font-serif); font-weight: 600; font-optical-sizing: auto;
  font-size: 30px; line-height: 1; letter-spacing: -.02em;
  display: inline-flex; align-items: baseline; color: inherit;
}
.logo-e { position: relative; display: inline-block; }
.logo-roof {
  position: absolute; left: 50%; top: -0.05em; width: .62em; height: .3em;
  transform: translateX(-50%); overflow: visible;
  fill: none; stroke: var(--gold); stroke-width: 7; stroke-linecap: round; stroke-linejoin: round;
}
.logo-sig {
  font: 600 13px/1 var(--font-sans); letter-spacing: .3em; text-transform: uppercase;
  color: var(--slate); margin-top: 14px; padding-left: .3em;
}
.logo-negative { color: var(--ivory); }
.logo-negative .logo-roof { stroke: var(--gold-light); }
.logo-negative .logo-sig { color: var(--mist); }
.logo-negative .logo-word { font-size: 44px; }
.logo-negative .logo-sig { font-size: 11px; margin-top: 12px; }

/* ------------------------------------------------------------------ buttons & links */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 12px 22px;
  border: 1px solid transparent; border-radius: var(--r-sm);
  font: 600 .9375rem/1.2 var(--font-sans); letter-spacing: .005em;
  text-decoration: none; white-space: nowrap; cursor: pointer;
  transition: background-color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
}
.btn .ico { transition: transform var(--t) var(--ease); }
.btn:hover .ico-sm:last-child { transform: translateX(2px); }
.btn-sm { min-height: 40px; padding: 8px 16px; font-size: .875rem; }
.btn-block { width: 100%; }
.btn-primary { background: var(--navy); color: var(--ivory); }
.btn-primary:hover { background: var(--navy-700); }
.btn-primary:active { background: var(--navy-950); }
.btn-gold { background: var(--gold-light); color: var(--navy); }
.btn-gold:hover { background: var(--gold-hover); }
.btn-gold:active { background: var(--gold); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: rgba(20, 40, 75, .06); }
.btn-outline-light { border-color: rgba(201, 209, 224, .45); color: var(--ivory); background: transparent; }
.btn-outline-light:hover { background: rgba(251, 248, 242, .08); border-color: rgba(201, 209, 224, .75); }
.btn-ghost { background: transparent; color: var(--slate); padding-left: 8px; padding-right: 8px; }
.btn-ghost:hover { color: var(--navy); }
.btn[disabled] { opacity: .55; cursor: progress; }

.link {
  color: var(--navy); font-weight: 600; text-decoration: underline;
  text-decoration-color: var(--gold); text-decoration-thickness: 1px; text-underline-offset: 5px;
  transition: text-decoration-thickness var(--t-fast) var(--ease);
  display: inline-flex; align-items: center; gap: 6px;
}
.link:hover { text-decoration-thickness: 2px; }
.link .ico { transition: transform var(--t) var(--ease); }
.link:hover .ico { transform: translateX(2px); }
.prose a, .faq-a a, .footer-legal a, .check a, .callout a { text-decoration-color: var(--gold); text-underline-offset: 3px; }

/* ------------------------------------------------------------------ header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(251, 248, 242, .94);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--t) var(--ease), box-shadow var(--t) var(--ease);
}
.site-header.is-scrolled { border-bottom-color: var(--ivory-200); box-shadow: 0 6px 20px -16px rgba(20, 40, 75, .35); }
.header-inner { display: flex; align-items: center; gap: 24px; height: var(--header-h); }
.header-inner .logo { margin-top: 4px; }
.main-nav { flex: 1; }
.main-nav > ul { display: flex; gap: 2px; list-style: none; justify-content: center; }
.main-nav a {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 8px 10px; border-radius: var(--r-sm); white-space: nowrap;
  font-size: .875rem; font-weight: 600; color: var(--navy); text-decoration: none;
  transition: color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease);
}
.main-nav > ul > li > a:hover { background: rgba(20, 40, 75, .05); }
.main-nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.header-actions { display: flex; align-items: center; gap: 16px; }
.nav-toggle {
  display: none; width: 44px; height: 44px; align-items: center; justify-content: center;
  border: 1px solid var(--ivory-300); border-radius: var(--r-sm); background: var(--white); cursor: pointer;
}
.nav-toggle .ico-close { display: none; }
.nav-toggle[aria-expanded="true"] .ico-open { display: none; }
.nav-toggle[aria-expanded="true"] .ico-close { display: block; }
.mobile-nav { border-top: 1px solid var(--ivory-200); background: var(--ivory); max-height: calc(100vh - var(--header-h)); overflow-y: auto; }
.mobile-nav .container { padding-top: 12px; padding-bottom: 24px; }
.mobile-nav ul { list-style: none; }
.mobile-main .m-top { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; border-bottom: 1px solid var(--ivory-200); font: 600 1.25rem/1.2 var(--font-serif); letter-spacing: -.01em; text-decoration: none; color: var(--navy); cursor: pointer; list-style: none; }
.mobile-main .m-top[aria-current="page"] { color: var(--gold-800); }
.m-group summary::-webkit-details-marker { display: none; }
.m-group summary .ico { transition: transform var(--t) var(--ease); }
.m-group[open] summary .ico { transform: rotate(180deg); }
.m-group ul { padding: 6px 0 12px; border-bottom: 1px solid var(--ivory-200); }
.m-group ul a { display: block; padding: 8px 0 8px 14px; font-weight: 600; font-size: .9375rem; color: var(--slate); text-decoration: none; border-left: 2px solid var(--ivory-200); }
.m-group ul a:hover { color: var(--navy); border-left-color: var(--gold); }
.mobile-label { font: 800 .75rem/1.4 var(--font-sans); letter-spacing: .24em; text-transform: uppercase; color: var(--gold-800); }
.mobile-sims { margin-top: 12px; }
.mobile-sims a { display: block; padding: 10px 0; font-weight: 600; text-decoration: none; color: var(--slate); }
.mobile-actions { display: grid; gap: 10px; margin-top: 20px; }

/* barre utilitaire */
.topbar { background: var(--navy); color: var(--mist); font-size: .8125rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 24px; height: 38px; }
.topbar p { margin: 0; letter-spacing: .02em; }
.topbar ul { display: flex; gap: 24px; list-style: none; }
.topbar a { display: inline-flex; align-items: center; gap: 6px; color: var(--mist); font-weight: 600; text-decoration: none; white-space: nowrap; transition: color var(--t-fast) var(--ease); }
.topbar a:hover, .topbar a[aria-current="page"] { color: var(--ivory); }
.topbar .ico { width: 14px; height: 14px; color: var(--gold-light); }
.ico-xs { width: 12px; height: 12px; }

/* sous-menus */
.has-sub { position: relative; }
.has-sub > a .ico { transition: transform var(--t) var(--ease); color: var(--slate); }
.has-sub:hover > a .ico, .has-sub:focus-within > a .ico { transform: rotate(180deg); }
.sub-panel {
  position: absolute; top: 100%; left: -10px; padding-top: 14px; z-index: 60;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity var(--t) var(--ease), transform var(--t) var(--ease), visibility var(--t);
}
.has-sub:hover .sub-panel, .has-sub:focus-within .sub-panel { opacity: 1; visibility: visible; transform: none; }
.main-nav > ul > li:last-child .sub-panel { left: auto; right: -10px; }
.sub-card { width: 320px; padding: 18px; background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-xl); box-shadow: var(--shadow-md); }
.sub-cols-2 { width: 590px; }
.sub-grid { display: grid; gap: 4px 16px; }
.sub-cols-2 .sub-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.sub-title { font: 800 .6875rem/1.4 var(--font-sans); letter-spacing: .2em; text-transform: uppercase; color: var(--gold-800); margin: 0 0 8px; padding-left: 10px; }
.sub-col ul { list-style: none; display: grid; gap: 1px; }
.main-nav .sub-item { display: flex; width: 100%; gap: 10px; padding: 8px 10px; border-radius: var(--r-md); font-size: .875rem; white-space: normal; line-height: 1.3; }
.main-nav .sub-item:hover { background: var(--ivory-100); }
.main-nav .sub-item .ico { width: 18px; height: 18px; color: var(--gold-800); transform: none; }
.main-nav .sub-item .ico-xs { width: 12px; height: 12px; margin-left: auto; color: var(--slate); }
.sub-intro { font-size: .8125rem; line-height: 1.5; color: var(--slate); margin: 0 0 14px; padding: 0 10px; }
.sub-links { display: grid; gap: 2px; margin-top: 12px; padding-top: 10px; border-top: 1px solid var(--ivory-200); }
.sub-links:empty { display: none; }
.main-nav .sub-links a { justify-content: flex-start; gap: 6px; padding: 6px 10px; font-size: .8125rem; color: var(--navy); }
.main-nav .sub-links a:hover { text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 4px; }
.header-tel-m { display: none; width: 44px; height: 44px; align-items: center; justify-content: center; border: 1px solid var(--ivory-300); border-radius: var(--r-sm); background: var(--white); color: var(--navy); }
.header-tel-m .ico { width: 18px; height: 18px; }

.topbar .topbar-cta { display: none; }
.topbar .topbar-cta a { padding: 3px 12px; border-radius: var(--r-sm); background: var(--gold-light); color: var(--navy); }
.topbar .topbar-cta a:hover { background: var(--gold-hover); color: var(--navy); }

/* Menu complet sur ordinateur et tablette ; menu burger réservé au mobile (moins de 768 px). */
@media (max-width: 1239px) {
  .header-cta, .topbar p { display: none; }
  .topbar-inner { justify-content: flex-end; }
  .topbar .topbar-cta { display: list-item; }
  .header-inner { gap: 16px; }
  .main-nav > ul { gap: 0; justify-content: flex-end; }
  .main-nav > ul > li > a { padding-left: 8px; padding-right: 8px; }
}
@media (max-width: 1023px) {
  html { scroll-padding-top: 140px; }
  .topbar .topbar-cta { display: none; }
  .topbar-inner { justify-content: center; }
  .header-cta { display: inline-flex; }
  .site-header .header-inner { flex-wrap: wrap; height: auto; padding-top: 8px; justify-content: space-between; }
  .main-nav { order: 3; flex: 0 0 100%; margin-top: 8px; border-top: 1px solid var(--ivory-200); }
  .main-nav > ul { justify-content: center; flex-wrap: wrap; }
  .main-nav > ul > li > a { padding: 11px 7px; font-size: .8125rem; }
}
@media (max-width: 899px) {
  .main-nav > ul > li > a { padding-left: 5px; padding-right: 5px; font-size: .78rem; }
  .has-sub > a .ico { display: none; }
}
@media (max-width: 767px) {
  html { scroll-padding-top: calc(var(--header-h) + 16px); }
  .topbar, .main-nav, .header-cta { display: none; }
  .nav-toggle, .header-tel-m { display: inline-flex; }
  .site-header .header-inner { flex-wrap: nowrap; height: var(--header-h); padding-top: 0; }
  .header-actions { gap: 10px; }
}

/* ------------------------------------------------------------------ sections */
.section { padding: var(--section) 0; }
.section-tight { padding: 64px 0; }
.section-alt { background: var(--ivory-100); }
.section-white { background: var(--white); }
.section-navy { background-color: var(--navy); color: var(--ivory); }
.section-navy .lead, .section-navy .muted { color: var(--mist); }
.section-navy h2, .section-navy h3 { color: var(--ivory); }
.pattern-navy {
  background-color: var(--navy);
  background-image: linear-gradient(rgba(20, 40, 75, .9), rgba(20, 40, 75, .9)), var(--pattern), var(--pattern);
  background-size: auto, 56px 32px, 56px 32px;
  background-position: 0 0, 0 0, 28px 16px;
}
.section-head { max-width: 760px; margin-bottom: 56px; }
.section-head .lead { margin-bottom: 0; }
.section-head-center { text-align: center; margin-left: auto; margin-right: auto; }
.section-head-split { display: flex; justify-content: space-between; align-items: flex-end; gap: 32px; max-width: none; }
.section-head-split > div { max-width: 720px; }
.rule-gold { display: block; width: 28px; height: 2px; background: var(--gold); margin-bottom: 14px; }

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.split { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 64px; align-items: start; }
.split-even { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .split, .split-even { grid-template-columns: minmax(0, 1fr); gap: 40px; }
}
@media (max-width: 680px) {
  :root { --section: 64px; --gutter: 16px; --header-h: 64px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: minmax(0, 1fr); }
  .section-head { margin-bottom: 36px; }
  .section-head-split { flex-direction: column; align-items: flex-start; }
}

/* ------------------------------------------------------------------ hero */
.hero { color: var(--ivory); position: relative; }
.hero-home { padding: 88px 0 96px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 420px; gap: 72px; align-items: center; }
.hero h1, .hero .display { color: var(--ivory); max-width: 640px; }
.hero .hero-kicker { color: var(--gold-light); max-width: none; }
.hero-slogan { margin: 0 0 24px; }
.hero .lead { color: var(--mist); max-width: 560px; margin-bottom: 32px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-figures {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px;
  margin-top: 56px; padding-top: 32px; border-top: 1px solid rgba(201, 209, 224, .22); max-width: 600px;
}
@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 48px; }
  .hero-sim { max-width: 520px; }
}
@media (max-width: 680px) {
  .hero-home { padding: 56px 0 64px; }
  .hero-figures { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 40px; }
  .hero-figures .kf:last-child { grid-column: 1 / -1; }
}

.page-hero { padding: 64px 0 72px; }
.page-hero .breadcrumb { margin-bottom: 28px; }
.page-hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 380px; gap: 64px; align-items: end; }
.page-hero h1 { max-width: 720px; }
.page-hero .lead { max-width: 640px; }
.hero-mention { margin: 28px 0 0; max-width: 560px; font-size: .875rem; font-weight: 700; line-height: 1.5; color: var(--ivory); }
.page-hero-light { color: var(--navy); padding: 48px 0 40px; }
.page-hero-light h1 { color: var(--navy); }
.page-hero-light .lead { color: var(--slate); margin-bottom: 0; }
@media (max-width: 1024px) { .page-hero-grid { grid-template-columns: minmax(0, 1fr); gap: 40px; } }

.breadcrumb ol { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; font-size: .8125rem; font-weight: 600; }
.breadcrumb li { color: var(--slate); }
.breadcrumb li + li::before { content: "/"; margin-right: 6px; color: var(--ivory-300); }
.breadcrumb a { color: var(--slate); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; text-decoration-color: var(--gold); }
.hero .breadcrumb li, .hero .breadcrumb a { color: var(--mist); }
.hero .breadcrumb li + li::before { color: rgba(201, 209, 224, .4); }
.hero .breadcrumb [aria-current] { color: var(--ivory); }

/* ------------------------------------------------------------------ key figures */
.kf .rule-gold { margin-bottom: 12px; }
.kf-value { display: flex; align-items: baseline; gap: 4px; font: 600 2.5rem/1 var(--font-serif); letter-spacing: -.02em; font-variant-numeric: lining-nums; }
.kf-value small { font-size: .5em; letter-spacing: 0; }
.kf-label { display: block; margin-top: 8px; font-size: .8125rem; line-height: 1.45; color: var(--slate); }
.hero .kf-value, .section-navy .kf-value { color: var(--ivory); }
.hero .kf-label, .section-navy .kf-label { color: var(--mist); }
.hero .kf-value small { color: var(--gold-light); }

.kf-panel { background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-xl); padding: 28px; color: var(--navy); }
.kf-panel h2 { font-size: 1.25rem; margin-bottom: 20px; }
.kf-panel dl { margin: 0; display: grid; gap: 0; }
.kf-panel dl > div { display: flex; justify-content: space-between; gap: 16px; align-items: baseline; padding: 12px 0; border-top: 1px solid var(--ivory-200); }
.kf-panel dt { color: var(--slate); font-size: .875rem; }
.kf-panel dd { margin: 0; font: 600 1.125rem/1.2 var(--font-serif); text-align: right; letter-spacing: -.01em; }
.kf-panel .btn { margin-top: 20px; }
.hero .kf-panel { box-shadow: var(--shadow-lg); border-color: transparent; }

/* ------------------------------------------------------------------ trust strip */
.trust-strip { background: var(--white); border-bottom: 1px solid var(--ivory-200); }
.trust-strip ul { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); list-style: none; }
.trust-strip li { display: flex; align-items: center; gap: 12px; padding: 22px 20px; font-size: .875rem; font-weight: 600; line-height: 1.35; }
.trust-strip li + li { border-left: 1px solid var(--ivory-200); }
.trust-strip .ico { color: var(--gold-800); width: 22px; height: 22px; }
.trust-strip small { display: block; font-weight: 500; color: var(--slate); font-size: .8125rem; }
@media (max-width: 1024px) {
  .trust-strip ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .trust-strip li:nth-child(3) { border-left: 0; }
  .trust-strip li:nth-child(n+3) { border-top: 1px solid var(--ivory-200); }
}
@media (max-width: 560px) {
  .trust-strip ul { grid-template-columns: minmax(0, 1fr); }
  .trust-strip li + li { border-left: 0; border-top: 1px solid var(--ivory-200); }
  .trust-strip li { padding: 16px 0; }
}

/* ------------------------------------------------------------------ cards */
.pastille {
  display: inline-flex; align-items: center; justify-content: center; flex: none;
  width: 44px; height: 44px; border-radius: var(--r-lg);
  background: var(--gold-100); color: var(--gold-800);
}
.pastille .ico { width: 22px; height: 22px; }
.pastille-navy { background: var(--navy); color: var(--gold-light); }
.pastille-success { background: var(--success-bg); color: var(--success); }

.card {
  background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-lg);
  padding: 32px; display: flex; flex-direction: column; gap: 14px;
  transition: border-color var(--t) var(--ease), box-shadow var(--t) var(--ease), transform var(--t) var(--ease);
}
.card h3 { font-size: 1.5rem; margin: 6px 0 0; }
.card p { margin: 0; color: var(--slate); }
.card-link:hover { border-color: var(--ivory-300); box-shadow: var(--shadow-md); }
.card .link { margin-top: auto; padding-top: 8px; }
.card-sm { padding: 24px; gap: 10px; }
.card-sm h3 { font-size: 1.1875rem; }
.card-ivory { background: var(--ivory-100); border-color: var(--ivory-200); }

.bullets { list-style: none; display: grid; gap: 8px; margin: 4px 0 0; }
.bullets li { display: flex; gap: 10px; font-size: .9375rem; line-height: 1.5; }
.bullets .ico { width: 18px; height: 18px; color: var(--gold); margin-top: 2px; }

.check-list { list-style: none; display: grid; gap: 14px; margin: 28px 0; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .ico { color: var(--gold-light); margin-top: 3px; }

/* négociation */
.levers { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 32px; list-style: none; }
.levers li { display: flex; gap: 14px; align-items: flex-start; padding: 18px 0; border-top: 1px solid var(--ivory-300); }
.levers .ico { color: var(--gold-800); margin-top: 2px; }
.levers strong { display: block; font-weight: 800; font-size: .9375rem; }
.levers span { display: block; color: var(--slate); font-size: .875rem; line-height: 1.5; margin-top: 2px; }
@media (max-width: 680px) { .levers { grid-template-columns: minmax(0, 1fr); } }

/* méthode */
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; list-style: none; counter-reset: step; }
.steps li { position: relative; padding-top: 28px; border-top: 1px solid var(--ivory-300); }
.steps li::before {
  counter-increment: step; content: "0" counter(step);
  display: block; font: 600 2.75rem/1 var(--font-serif); letter-spacing: -.02em; color: var(--gold); margin-bottom: 18px;
}
.steps h3 { font-size: 1.3125rem; margin-bottom: 10px; }
.steps p { color: var(--slate); margin: 0; font-size: .9375rem; }
@media (max-width: 1024px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 40px; } }
@media (max-width: 560px) { .steps { grid-template-columns: minmax(0, 1fr); } }

/* exemples de montages */
.case { background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-lg); overflow: hidden; display: flex; flex-direction: column; }
.case-head { background: var(--navy); color: var(--ivory); padding: 24px 28px; min-height: 118px; display: flex; flex-direction: column; justify-content: flex-end; }
.case-head .overline { margin-bottom: 8px; }
.case-head h3 { color: var(--ivory); font-size: 1.375rem; margin: 0; }
.case-figs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-bottom: 1px solid var(--ivory-200); }
.case-figs div { padding: 18px 16px 16px 28px; }
.case-figs div + div { border-left: 1px solid var(--ivory-200); padding-left: 16px; }
.case-figs strong { display: block; font: 600 1.375rem/1.1 var(--font-serif); letter-spacing: -.02em; }
.case-figs span { display: block; font-size: .75rem; color: var(--slate); margin-top: 4px; line-height: 1.35; }
.case-body { padding: 22px 28px 28px; color: var(--slate); font-size: .9375rem; }
.case-body p { margin: 0; }
.disclaimer { font-size: .8125rem; color: var(--slate); margin-top: 24px; display: flex; gap: 8px; align-items: flex-start; }
.disclaimer .ico { width: 16px; height: 16px; margin-top: 2px; color: var(--gold-800); }

/* encadrés */
.callout {
  background: var(--gold-100); border-radius: var(--r-md); padding: 28px 32px;
  display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: start;
}
.callout .pastille { background: var(--white); }
.callout h3 { font-size: 1.25rem; margin: 2px 0 8px; }
.callout p { margin: 0; color: var(--navy); }
.callout p + p { margin-top: 10px; }
.callout-info { background: var(--info-bg); }
.callout-info .pastille { color: var(--info); }
@media (max-width: 560px) { .callout { grid-template-columns: minmax(0, 1fr); padding: 24px; } }

/* prose */
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; font-size: 1.375rem; }
.prose p, .prose li { color: var(--slate); }
.prose ul { padding-left: 1.2em; margin: 0 0 1em; }
.prose li { margin-bottom: .4em; }
.prose strong { color: var(--navy); }

.feature-list { display: grid; gap: 0; }
.feature { display: grid; grid-template-columns: 220px 1fr; gap: 32px; padding: 28px 0; border-top: 1px solid var(--ivory-300); }
.feature:last-child { border-bottom: 1px solid var(--ivory-300); }
.feature h3 { font-size: 1.25rem; margin: 0; }
.feature p { margin: 0; color: var(--slate); }
.feature p + p { margin-top: 10px; }
@media (max-width: 760px) { .feature { grid-template-columns: minmax(0, 1fr); gap: 8px; } }

/* engagements */
.pillars { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.pillar h3 { font-family: var(--font-sans); font-weight: 800; font-size: 1.0625rem; letter-spacing: 0; margin: 18px 0 8px; }
.pillar p { color: var(--slate); font-size: .9375rem; margin: 0; }
@media (max-width: 1024px) { .pillars { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .pillars { grid-template-columns: minmax(0, 1fr); } }

/* bandeau d'appel */
.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 32px; padding: 40px 48px; border-radius: var(--r-xl); }
.cta-band h2 { font-size: clamp(1.5rem, 1vw + 1.1rem, 2rem); margin: 0 0 6px; color: var(--ivory); }
.cta-band p { margin: 0; color: var(--mist); }
.cta-band .btns { display: flex; gap: 12px; flex-wrap: wrap; flex: none; }
@media (max-width: 860px) { .cta-band { flex-direction: column; align-items: flex-start; padding: 32px 24px; } }

/* ------------------------------------------------------------------ simulateurs : liens */
.sim-links { display: grid; gap: 16px; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.sim-links-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.sim-link {
  display: flex; flex-direction: column; gap: 16px; padding: 24px; border-radius: var(--r-lg); text-decoration: none;
  transition: background-color var(--t) var(--ease), border-color var(--t) var(--ease), box-shadow var(--t) var(--ease);
}
.sim-link-body strong { display: block; font: 600 1.1875rem/1.25 var(--font-serif); letter-spacing: -.01em; margin-bottom: 6px; }
.sim-link-body span { display: block; font-size: .875rem; line-height: 1.5; }
.sim-link-go { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: .875rem; }
.sim-link-light { background: var(--white); border: 1px solid var(--ivory-200); color: var(--navy); }
.sim-link-light .sim-link-body span { color: var(--slate); }
.sim-link-light:hover { box-shadow: var(--shadow-md); border-color: var(--ivory-300); }
.sim-link-dark { background: rgba(251, 248, 242, .04); border: 1px solid rgba(201, 209, 224, .2); color: var(--ivory); }
.sim-link-dark .sim-link-body span { color: var(--mist); }
.sim-link-dark .sim-link-go { color: var(--gold-light); }
.sim-link-dark .pastille { background: rgba(224, 176, 98, .14); color: var(--gold-light); }
.sim-link-dark:hover { background: rgba(251, 248, 242, .08); border-color: rgba(201, 209, 224, .4); }
.sim-link:hover .sim-link-go .ico { transform: translateX(2px); }
.sim-link-go .ico { transition: transform var(--t) var(--ease); }
@media (max-width: 1024px) { .sim-links, .sim-links-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .sim-links, .sim-links-3 { grid-template-columns: minmax(0, 1fr); } }

/* ------------------------------------------------------------------ formulaires */
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; min-width: 0; }
.field label, .field .label { font-size: .75rem; font-weight: 600; color: var(--slate); letter-spacing: .01em; }
.field .opt { font-weight: 500; color: var(--navy-400); }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 14px; }
@media (max-width: 420px) { .lead-form .field-row { grid-template-columns: minmax(0, 1fr); } }
input:not([type="radio"]):not([type="checkbox"]):not([type="range"]), select, textarea {
  width: 100%; min-height: 46px; padding: 10px 14px;
  background: var(--white); border: 1px solid var(--ivory-300); border-radius: var(--r-sm);
  font-size: 1rem; font-weight: 600; color: var(--navy);
  transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
  -webkit-appearance: none; appearance: none;
}
textarea { font-weight: 500; resize: vertical; min-height: 90px; line-height: 1.5; }
input::placeholder, textarea::placeholder { color: #9AA3B2; font-weight: 500; }
input:hover, select:hover, textarea:hover { border-color: var(--navy-300); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200, 150, 62, .28); }
.is-invalid input, .is-invalid select, .is-invalid textarea, input.is-invalid, select.is-invalid { border-color: var(--error); }
.input-wrap { position: relative; }
.input-wrap input { padding-right: 44px; }
.input-wrap .unit { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: .8125rem; font-weight: 600; color: var(--slate); pointer-events: none; }
.select-wrap { position: relative; }
.select-wrap::after {
  content: ""; position: absolute; right: 16px; top: 50%; width: 8px; height: 8px; margin-top: -6px;
  border-right: 1.5px solid var(--slate); border-bottom: 1.5px solid var(--slate); transform: rotate(45deg); pointer-events: none;
}
.select-wrap select { padding-right: 40px; cursor: pointer; }
.check { display: flex; gap: 12px; align-items: flex-start; font-size: .8125rem; line-height: 1.5; color: var(--slate); cursor: pointer; }
.check input { flex: none; width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--navy); }
.check.is-invalid span { color: var(--error); }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }

.segmented { display: inline-grid; grid-auto-flow: column; grid-auto-columns: 1fr; padding: 3px; gap: 3px; background: var(--ivory-100); border: 1px solid var(--ivory-200); border-radius: var(--r-md); }
.segmented label { position: relative; }
.segmented input { position: absolute; opacity: 0; inset: 0; }
.segmented span { display: block; padding: 8px 14px; border-radius: var(--r-sm); font-size: .8125rem; font-weight: 600; color: var(--slate); text-align: center; cursor: pointer; white-space: nowrap; }
.segmented input:checked + span { background: var(--white); color: var(--navy); box-shadow: var(--shadow-sm); }
.segmented input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 1px; }

/* ------------------------------------------------------------------ formulaire de demande */
.lead-section { padding: var(--section) 0; }
.lead-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 520px); gap: 72px; align-items: start; }
.lead-copy h2 { color: var(--ivory); }
.lead-copy .lead { color: var(--mist); }
.lead-copy .check-list { color: var(--ivory); }
.lead-direct { margin-top: 40px; padding-top: 28px; border-top: 1px solid rgba(201, 209, 224, .22); }
.lead-direct p { color: var(--mist); font-size: .9375rem; margin-bottom: 14px; }
.lead-direct-btns { display: flex; flex-wrap: wrap; gap: 12px; }
.lead-card { background: var(--white); color: var(--navy); border-radius: var(--r-xl); padding: 32px; box-shadow: var(--shadow-lg); }
@media (max-width: 1024px) { .lead-grid { grid-template-columns: minmax(0, 1fr); gap: 40px; } .lead-card { max-width: 640px; } }
@media (max-width: 560px) { .lead-card { padding: 22px 18px; } }

.lead-form fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.lf-head { margin-bottom: 22px; }
.lf-step-label { font: 800 .6875rem/1.4 var(--font-sans); letter-spacing: .2em; text-transform: uppercase; color: var(--gold-800); margin: 0 0 10px; }
.lf-bar { height: 3px; background: var(--ivory-200); border-radius: 2px; overflow: hidden; }
.lf-bar i { display: block; height: 100%; width: 33.33%; background: var(--gold); transition: width var(--t-slow) var(--ease); }
.lf-legend { font: 600 1.5rem/1.2 var(--font-serif); letter-spacing: -.02em; margin: 0 0 20px; padding: 0; }
.lf-step { animation: lfIn var(--t-slow) var(--ease); }
@keyframes lfIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.choices { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.choice { position: relative; cursor: pointer; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.choice-box {
  display: flex; flex-direction: column; gap: 4px; height: 100%; padding: 16px;
  border: 1px solid var(--ivory-300); border-radius: var(--r-lg); background: var(--white);
  transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
}
.choice-box .pastille { width: 36px; height: 36px; margin-bottom: 8px; }
.choice-box .pastille .ico { width: 18px; height: 18px; }
.choice-box strong { font-weight: 800; font-size: .9375rem; }
.choice-box small { color: var(--slate); font-size: .8125rem; line-height: 1.4; }
.choice:hover .choice-box { border-color: var(--navy-300); }
.choice input:checked + .choice-box { border-color: var(--navy); background: var(--navy-50); box-shadow: inset 0 0 0 1px var(--navy); }
.choice input:checked + .choice-box .pastille { background: var(--navy); color: var(--gold-light); }
.choice input:focus-visible + .choice-box { box-shadow: 0 0 0 3px rgba(200, 150, 62, .35); }
.lf-error { color: var(--error); font-size: .8125rem; font-weight: 600; margin: 6px 0 0; min-height: 1.2em; }
.lf-error:empty { margin: 0; min-height: 0; }
.lf-error a { color: inherit; }
.lf-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 20px; }
.lf-nav [data-next], .lf-nav [data-submit] { margin-left: auto; }
.lf-legal { font-size: .75rem; line-height: 1.5; color: var(--slate); margin: 20px 0 0; padding-top: 16px; border-top: 1px solid var(--ivory-200); }
.lf-success { text-align: left; padding: 8px 0; }
.lf-success h3 { font-size: 1.75rem; margin: 18px 0 10px; }
.lf-success p { color: var(--slate); margin: 0; }
.lf-success:focus { outline: none; }
.lead-form.is-sent .lf-head, .lead-form.is-sent .lf-step, .lead-form.is-sent .lf-nav, .lead-form.is-sent .lf-error { display: none; }
.sim-attached { display: flex; gap: 10px; align-items: flex-start; background: var(--ivory-100); border-radius: var(--r-md); padding: 12px 14px; font-size: .8125rem; color: var(--slate); margin-bottom: 18px; }
.sim-attached .ico { color: var(--success); width: 18px; height: 18px; margin-top: 1px; }

/* ------------------------------------------------------------------ simulateurs */
.sim-card { background: var(--white); color: var(--navy); border-radius: var(--r-xl); padding: 28px; box-shadow: var(--shadow-lg); }
.sim-card-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 20px; }
.sim-title { font: 600 1.375rem/1.2 var(--font-serif); letter-spacing: -.02em; margin: 0; color: var(--navy); }
.badge { display: inline-block; padding: 4px 8px; border-radius: var(--r-xs); background: var(--gold-100); color: var(--gold-800); font: 800 .625rem/1.3 var(--font-sans); letter-spacing: .16em; text-transform: uppercase; }
.badge-navy { background: var(--navy-100); color: var(--navy); }
.sim-card .field { margin-bottom: 14px; }
.sim-result { background: var(--ivory-100); border-radius: var(--r-md); padding: 18px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; margin: 6px 0 16px; }
.sim-result .kf-value { font-size: 2rem; }
.sim-result .kf-label { margin-top: 4px; font-size: .75rem; }
.sim-note { font-size: .6875rem; line-height: 1.5; color: var(--slate); margin: 14px 0 0; }

.sim-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 440px); gap: 32px; align-items: start; }
.sim-panel { background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-xl); padding: 32px; }
.sim-panel + .sim-panel { margin-top: 24px; }
.sim-group { border: 0; margin: 0 0 8px; padding: 0; min-width: 0; }
.sim-group + .sim-group { border-top: 1px solid var(--ivory-200); padding-top: 24px; margin-top: 8px; }
.sim-group legend { font: 800 .75rem/1.4 var(--font-sans); letter-spacing: .2em; text-transform: uppercase; color: var(--gold-800); margin-bottom: 16px; padding: 0; }
.sim-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 16px; }
.sim-grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.field-hint { font-size: .75rem; color: var(--slate); line-height: 1.4; }
.sim-results { position: sticky; top: calc(var(--header-h) + 20px); }
.sim-out { background: var(--navy); color: var(--ivory); border-radius: var(--r-xl); padding: 32px; box-shadow: var(--shadow-md); }
.sim-out .overline { margin-bottom: 10px; }
.sim-main { display: flex; align-items: baseline; gap: 8px; font: 600 3.25rem/1 var(--font-serif); letter-spacing: -.03em; font-variant-numeric: lining-nums; }
.sim-main small { font-size: .45em; color: var(--gold-light); letter-spacing: 0; }
.sim-main-label { color: var(--mist); font-size: .875rem; margin: 10px 0 0; }
.sim-rows { margin: 24px 0 0; display: grid; }
.sim-rows > div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 12px 0; border-top: 1px solid rgba(201, 209, 224, .18); }
.sim-rows dt { color: var(--mist); font-size: .875rem; }
.sim-rows dd { margin: 0; font: 600 1.125rem/1.2 var(--font-serif); letter-spacing: -.01em; text-align: right; font-variant-numeric: lining-nums tabular-nums; }
.sim-rows .is-strong dd { color: var(--gold-light); }
.sim-verdict { margin-top: 20px; padding: 14px 16px; border-radius: var(--r-md); background: rgba(251, 248, 242, .06); font-size: .875rem; line-height: 1.5; color: var(--ivory); display: flex; gap: 10px; }
.sim-verdict .dot { flex: none; width: 8px; height: 8px; border-radius: 50%; margin-top: 7px; background: var(--gold-light); }
.sim-verdict[data-tone="ok"] .dot { background: #7FC4A0; }
.sim-verdict[data-tone="warn"] .dot { background: var(--gold-light); }
.sim-verdict[data-tone="bad"] .dot { background: #E58D84; }
.sim-out .btn { margin-top: 24px; }
.sim-out .sim-note { color: var(--mist); }

.gauge { margin-top: 22px; }
.gauge-track { position: relative; height: 10px; border-radius: 5px; background: rgba(201, 209, 224, .16); overflow: visible; }
.gauge-fill { position: absolute; left: 0; top: 0; bottom: 0; border-radius: 5px; display: flex; overflow: hidden; width: 0; transition: width var(--t-slow) var(--ease); }
.gauge-fill i { display: block; height: 100%; }
.gauge-fill .g-cur { background: var(--navy-300); }
.gauge-fill .g-new { background: var(--gold-light); }
.gauge-limit { position: absolute; top: -6px; bottom: -6px; width: 2px; background: var(--ivory); }
.gauge-legend { display: flex; justify-content: space-between; font-size: .75rem; color: var(--mist); margin-top: 10px; gap: 12px; flex-wrap: wrap; }
.gauge-legend span { display: inline-flex; align-items: center; gap: 6px; }
.gauge-legend i { width: 10px; height: 10px; border-radius: 2px; display: inline-block; }

.chart-wrap { margin-top: 8px; }
.chart-legend { display: flex; gap: 20px; font-size: .8125rem; color: var(--slate); margin-bottom: 14px; flex-wrap: wrap; }
.chart-legend span { display: inline-flex; align-items: center; gap: 8px; }
.chart-legend i { width: 12px; height: 12px; border-radius: 2px; display: inline-block; }
.amort-chart { width: 100%; height: auto; overflow: visible; }
.amort-chart text { font: 600 11px var(--font-sans); fill: var(--slate); }
.amort-chart .gridline { stroke: var(--ivory-200); stroke-width: 1; }
.amort-table-wrap { max-height: 320px; overflow: auto; margin-top: 20px; border: 1px solid var(--ivory-200); border-radius: var(--r-md); }
.amort-table { width: 100%; border-collapse: collapse; font-size: .8125rem; font-variant-numeric: tabular-nums; }
.amort-table th, .amort-table td { padding: 9px 12px; text-align: right; border-bottom: 1px solid var(--ivory-200); white-space: nowrap; }
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-table thead th { position: sticky; top: 0; background: var(--ivory-100); font-weight: 800; font-size: .75rem; color: var(--slate); }
details.disclosure summary { cursor: pointer; font-weight: 600; font-size: .875rem; color: var(--navy); list-style: none; display: inline-flex; gap: 6px; align-items: center; margin-top: 16px; }
details.disclosure summary::-webkit-details-marker { display: none; }
details.disclosure summary .ico { transition: transform var(--t) var(--ease); }
details.disclosure[open] summary .ico { transform: rotate(180deg); }

@media (max-width: 1024px) {
  .sim-layout { grid-template-columns: minmax(0, 1fr); }
  .sim-results { position: static; }
}
@media (max-width: 560px) {
  .sim-panel, .sim-out { padding: 22px 18px; }
  .sim-card { padding: 22px 18px; }
  .sim-grid, .sim-grid-3 { grid-template-columns: minmax(0, 1fr); }
  .sim-main { font-size: 2.5rem; }
}

/* ------------------------------------------------------------------ FAQ */
.faq { border-top: 1px solid var(--ivory-300); }
.faq-item { border-bottom: 1px solid var(--ivory-300); }
.faq-item summary { display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 24px 0; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary h3 { font-size: 1.1875rem; margin: 0; letter-spacing: -.01em; line-height: 1.35; }
.faq-ico { flex: none; width: 36px; height: 36px; border-radius: var(--r-sm); border: 1px solid var(--ivory-300); display: inline-flex; align-items: center; justify-content: center; transition: transform var(--t) var(--ease), background-color var(--t) var(--ease); }
.faq-ico .ico { width: 18px; height: 18px; }
.faq-item[open] .faq-ico { transform: rotate(45deg); background: var(--navy); color: var(--ivory); border-color: var(--navy); }
.faq-item summary:hover h3 { text-decoration: underline; text-decoration-color: var(--gold); text-underline-offset: 4px; }
.faq-a { padding: 0 60px 26px 0; color: var(--slate); }
.faq-a p { margin: 0 0 .8em; }
.faq-a p:last-child { margin: 0; }
@media (max-width: 560px) { .faq-a { padding-right: 0; } .faq-item summary h3 { font-size: 1.0625rem; } }

/* ------------------------------------------------------------------ cabinet */
.founder { display: grid; grid-template-columns: 360px 1fr; gap: 64px; align-items: center; }
.founder-photo { width: 100%; border-radius: var(--r-xl); object-fit: cover; aspect-ratio: 6 / 7; }
.founder-monogram {
  aspect-ratio: 6 / 7; border-radius: var(--r-xl); display: flex; align-items: center; justify-content: center;
  background-color: var(--navy);
  background-image: linear-gradient(rgba(20, 40, 75, .88), rgba(20, 40, 75, .88)), var(--pattern), var(--pattern);
  background-size: auto, 56px 32px, 56px 32px; background-position: 0 0, 0 0, 28px 16px;
}
.founder-monogram .logo-word { position: relative; font-size: 180px; color: var(--ivory); }
.founder-chevron { position: absolute; left: 50%; top: -.16em; width: .62em; height: .24em; transform: translateX(-50%); fill: none; stroke: var(--gold-light); stroke-width: 7; stroke-linecap: round; stroke-linejoin: round; overflow: visible; }
.signature-line { font: 600 1.125rem/1.3 var(--font-serif); margin: 24px 0 0; }
.signature-line span { display: block; font: 600 .8125rem/1.4 var(--font-sans); color: var(--slate); margin-top: 4px; }
@media (max-width: 860px) { .founder { grid-template-columns: minmax(0, 1fr); gap: 36px; } .founder-monogram, .founder-photo { max-width: 360px; } }

.contact-cards { display: grid; gap: 12px; }
.contact-card { display: flex; gap: 16px; align-items: center; padding: 18px 20px; background: var(--white); border: 1px solid var(--ivory-200); border-radius: var(--r-lg); text-decoration: none; transition: border-color var(--t) var(--ease), box-shadow var(--t) var(--ease); }
a.contact-card:hover { border-color: var(--ivory-300); box-shadow: var(--shadow-md); }
.contact-card strong { display: block; font-weight: 800; }
.contact-card span { display: block; color: var(--slate); font-size: .875rem; }
.timeline { list-style: none; display: grid; gap: 0; counter-reset: tl; }
.timeline li { position: relative; padding: 0 0 22px 44px; }
.timeline li::before { counter-increment: tl; content: counter(tl); position: absolute; left: 0; top: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: var(--gold-light); font: 600 .875rem/28px var(--font-serif); text-align: center; }
.timeline li::after { content: ""; position: absolute; left: 13.5px; top: 32px; bottom: 4px; width: 1px; background: var(--ivory-300); }
.timeline li:last-child::after { display: none; }
.timeline strong { display: block; font-weight: 800; }
.timeline span { color: var(--slate); font-size: .9375rem; }

/* ------------------------------------------------------------------ footer */
.site-footer { color: var(--mist); padding: 80px 0 32px; background: var(--navy-900); border-top: 1px solid rgba(201, 209, 224, .12); }
.footer-top { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(4, minmax(0, 1fr)); gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(201, 209, 224, .18); }
.footer-brand .logo { align-items: flex-start; }
.footer-brand .logo-sig { padding-left: 0; }
.footer-brand > p { margin: 24px 0 20px; font-size: .9375rem; max-width: 340px; }
.footer-brand > .footer-slogan { margin: 26px 0 0; font: 600 1.375rem/1.25 var(--font-serif); letter-spacing: -.01em; color: var(--ivory); }
.footer-brand > .footer-slogan + p { margin-top: 12px; }
.footer-contact { list-style: none; display: grid; gap: 10px; }
.footer-contact a, .footer-contact span { display: inline-flex; align-items: center; gap: 10px; color: var(--ivory); text-decoration: none; font-size: .9375rem; font-weight: 600; }
.footer-contact a:hover { color: var(--gold-light); }
.footer-contact .ico { width: 18px; height: 18px; color: var(--gold-light); }
.footer-title { font: 800 .75rem/1.4 var(--font-sans); letter-spacing: .24em; text-transform: uppercase; color: var(--gold-light); margin: 8px 0 18px; }
.footer-col ul { list-style: none; display: grid; gap: 10px; }
.footer-col a { color: var(--mist); text-decoration: none; font-size: .9375rem; }
.footer-col a:hover { color: var(--ivory); text-decoration: underline; text-decoration-color: var(--gold-light); text-underline-offset: 4px; }
.footer-legal { padding-top: 32px; font-size: .75rem; line-height: 1.6; color: var(--mist); }
.footer-legal p { margin: 0 0 10px; max-width: 980px; }
.footer-legal strong { color: var(--ivory); }
.footer-legal a { color: var(--ivory); }
.footer-mention { color: var(--ivory); font-weight: 700; }
.footer-bottom { margin-top: 20px !important; padding-top: 20px; border-top: 1px solid rgba(201, 209, 224, .12); }
@media (max-width: 1100px) { .footer-top { grid-template-columns: repeat(4, minmax(0, 1fr)); } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 760px) { .footer-top { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .footer-top { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px; } .site-footer { padding-top: 56px; } }

.mobile-cta { display: none; }
@media (max-width: 767px) {
  .mobile-cta {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
    display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    background: rgba(251, 248, 242, .96); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    border-top: 1px solid var(--ivory-200);
    transform: translateY(110%); transition: transform var(--t) var(--ease);
  }
  .mobile-cta.is-visible { transform: none; }
  .mobile-cta .btn { min-height: 46px; padding: 10px 12px; }
  body { padding-bottom: 0; }
  .site-footer { padding-bottom: 96px; }
}

/* ------------------------------------------------------------------ utilitaires */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; } .pt-0 { padding-top: 0; }
.mt-24 { margin-top: 24px; } .mt-40 { margin-top: 40px; } .mt-56 { margin-top: 56px; }
.text-center { text-align: center; }
.stack-btns { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.reveal { opacity: 0; transform: translateY(12px); transition: opacity var(--t-slow) var(--ease), transform var(--t-slow) var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
.legal-page h2 { font-size: 1.5rem; margin-top: 1.8em; }
.legal-page .placeholder { background: var(--gold-100); padding: 0 4px; border-radius: 2px; }

.error-page { min-height: 60vh; display: flex; align-items: center; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-header, .mobile-cta, .lead-section, .site-footer .footer-top { display: none !important; }
  body { background: #fff; }
}

/* ------------------------------------------------------------------ cartes claires posées sur fond marine */
.sim-card .kf-value, .lead-card h2, .lead-card h3, .lead-card legend { color: var(--navy); }
.sim-card .kf-label { color: var(--slate); }
.sim-card .kf-value small { color: var(--slate); }
.hero-figures .kf-value small { font-family: var(--font-sans); font-weight: 600; font-size: .9375rem; letter-spacing: 0; margin-left: 2px; }
.hero-figures .kf-value small:not(:only-child) { font-size: .9375rem; }