/* =========================================================================
   Crédit en ligne rapide — Design System
   Palette fintech : bleu confiance + vert validation + neutres chauds
   ========================================================================= */

/* -------------------------------------------------------------------------
   1. Tokens
   ---------------------------------------------------------------------- */
:root {
    /* Couleurs de marque */
    --navy-900: #071f37;
    --navy-800: #0b2a4a;
    --navy-700: #103a63;
    --blue-600: #1d6fe0;
    --blue-500: #2f86f6;
    --blue-100: #e7f0fd;
    --blue-50:  #f3f8ff;

    --green-600: #0f9d6b;
    --green-500: #14b87f;
    --green-100: #d8f6e9;

    --amber-500: #f5a623;
    --amber-100: #fef0d6;
    --red-600:   #d33a2c;
    --red-100:   #fbe3e0;

    /* Neutres */
    --ink-900: #0e1726;
    --ink-700: #38465c;
    --ink-500: #5d6b81;
    --ink-400: #8593a8;
    --line:    #e4e9f2;
    --line-2:  #eef2f8;
    --bg:      #ffffff;
    --bg-soft: #f6f9fd;
    --bg-tint: #eef4fc;

    /* Typo */
    --font-head: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
    --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

    /* Échelle */
    --container: 1180px;
    --container-narrow: 820px;
    --radius-sm: 8px;
    --radius:    14px;
    --radius-lg: 22px;
    --radius-xl: 30px;

    /* Ombres */
    --shadow-sm: 0 1px 2px rgba(13, 38, 70, .06), 0 2px 6px rgba(13, 38, 70, .05);
    --shadow:    0 8px 26px rgba(13, 38, 70, .09);
    --shadow-lg: 0 22px 60px rgba(13, 38, 70, .16);
    --shadow-blue: 0 14px 34px rgba(29, 111, 224, .30);

    --ring: 0 0 0 4px rgba(47, 134, 246, .35);
    --transition: .25s cubic-bezier(.4, 0, .2, 1);
}

/* -------------------------------------------------------------------------
   2. Reset / base
   ---------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 90px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
    font-family: var(--font-body);
    color: var(--ink-700);
    background: var(--bg);
    line-height: 1.65;
    font-size: 1.0625rem;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    overflow-x: hidden;
}

img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: var(--blue-600); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy-800); }

h1, h2, h3, h4 {
    font-family: var(--font-head);
    color: var(--ink-900);
    line-height: 1.18;
    font-weight: 700;
    letter-spacing: -.02em;
}

ul, ol { padding-left: 1.2em; }

:focus-visible { outline: none; box-shadow: var(--ring); border-radius: 6px; }

.skip-link {
    position: absolute; left: 12px; top: -60px;
    background: var(--navy-800); color: #fff; padding: 10px 18px;
    border-radius: 0 0 10px 10px; z-index: 1000; transition: top var(--transition);
}
.skip-link:focus { top: 0; color: #fff; }

/* -------------------------------------------------------------------------
   3. Layout
   ---------------------------------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: clamp(1.1rem, 4vw, 2rem); }
.container--narrow { max-width: var(--container-narrow); }

.section { padding-block: clamp(3.5rem, 7vw, 6rem); }
.section--soft { background: var(--bg-soft); }
.section--tint { background: var(--bg-tint); }
.section--dark { background: var(--navy-800); color: #cfe0f3; }
.section--dark h2, .section--dark h3 { color: #fff; }

.section__head { max-width: 720px; margin-bottom: 2.6rem; }
.section__head--center { margin-inline: auto; text-align: center; }
.section__eyebrow {
    display: inline-flex; align-items: center; gap: .5em;
    font-family: var(--font-head); font-weight: 700; font-size: .8rem;
    letter-spacing: .12em; text-transform: uppercase; color: var(--blue-600);
    margin-bottom: .9rem;
}
.section__title { font-size: clamp(1.7rem, 3.6vw, 2.5rem); }
.section__lead { font-size: 1.15rem; color: var(--ink-500); margin-top: .9rem; }

/* -------------------------------------------------------------------------
   4. Boutons
   ---------------------------------------------------------------------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .55em;
    font-family: var(--font-head); font-weight: 700; font-size: 1rem;
    padding: .92em 1.6em; border-radius: 999px; border: 1.5px solid transparent;
    cursor: pointer; transition: var(--transition); white-space: nowrap; line-height: 1;
}
.btn svg { width: 1.15em; height: 1.15em; }
.btn--primary { background: var(--blue-600); color: #fff; box-shadow: var(--shadow-blue); }
.btn--primary:hover { background: var(--blue-500); color: #fff; transform: translateY(-2px); }
.btn--accent { background: var(--green-600); color: #fff; box-shadow: 0 14px 30px rgba(15,157,107,.32); }
.btn--accent:hover { background: var(--green-500); color: #fff; transform: translateY(-2px); }
.btn--ghost { background: #fff; color: var(--navy-800); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn--ghost:hover { border-color: var(--blue-600); color: var(--blue-600); }
.btn--light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.3); }
.btn--light:hover { background: rgba(255,255,255,.2); color: #fff; }
.btn--sm { padding: .7em 1.2em; font-size: .92rem; }
.btn--lg { padding: 1.05em 2em; font-size: 1.08rem; }
.btn--block { width: 100%; }

/* -------------------------------------------------------------------------
   5. Header / Navigation
   ---------------------------------------------------------------------- */
/* --- Barre utilitaire (réassurance + liens rapides) : défile normalement --- */
.topbar {
    background: var(--navy-900); color: #b8cae0; font-size: .82rem;
}
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 38px; }
.topbar__trust { display: flex; flex-wrap: wrap; gap: 1.4rem; margin: 0; }
.topbar__trust span { display: inline-flex; align-items: center; gap: .45em; }
.topbar__trust svg { color: var(--green-500); flex-shrink: 0; }
.topbar__links { display: flex; align-items: center; gap: 1.3rem; }
.topbar__links a { color: #cfddee; font-weight: 600; display: inline-flex; align-items: center; gap: .4em; }
.topbar__links a:hover { color: #fff; }
.topbar__links svg { width: 15px; height: 15px; }
/* --- Barre principale : seule cette barre est collante (sticky) --- */
.site-header {
    position: sticky; top: 0; z-index: 200;
    background: rgba(255,255,255,.9); backdrop-filter: saturate(180%) blur(14px);
    border-bottom: 1px solid var(--line-2); transition: box-shadow var(--transition);
}
.site-header.is-stuck { box-shadow: var(--shadow); }
.site-header__inner { display: flex; align-items: center; gap: 1.1rem; height: 72px; }

.brand { display: inline-flex; align-items: center; gap: .6rem; flex-shrink: 0; }
.brand__mark { transition: transform var(--transition); }
.brand:hover .brand__mark { transform: rotate(-6deg) scale(1.05); }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__name { font-family: var(--font-head); font-weight: 700; font-size: 1.12rem; color: var(--navy-800); }
.brand__name strong { color: var(--blue-600); font-weight: 800; }
.brand__sub { font-size: .76rem; font-weight: 600; color: var(--ink-400); letter-spacing: .04em; }

.main-nav { margin-left: auto; }
.main-nav__list { list-style: none; display: flex; align-items: center; gap: .1rem; padding: 0; margin: 0; }
.main-nav__item { position: relative; }
.main-nav__link {
    display: inline-flex; align-items: center; gap: .25em; white-space: nowrap;
    font-family: var(--font-head); font-weight: 600; font-size: .94rem; color: var(--ink-700);
    padding: .55rem .72rem; border-radius: 9px; transition: color var(--transition), background var(--transition);
    position: relative;
}
.main-nav__link::after {
    content: ""; position: absolute; left: .72rem; right: .72rem; bottom: .28rem; height: 2px;
    border-radius: 2px; background: var(--blue-600); transform: scaleX(0); transform-origin: center;
    transition: transform .22s ease;
}
.main-nav__link:hover { color: var(--blue-600); }
.main-nav__link:hover::after, .main-nav__link.is-active::after { transform: scaleX(1); }
.main-nav__link.is-active { color: var(--blue-600); }
.main-nav__link svg { transition: transform var(--transition); opacity: .65; }

.dropdown {
    position: absolute; top: calc(100% + 12px); left: 50%; transform: translateX(-50%) translateY(8px);
    min-width: 280px; list-style: none;
    background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
    box-shadow: var(--shadow-lg); padding: .5rem; margin: 0;
    opacity: 0; visibility: hidden; transition: var(--transition);
}
.dropdown::before {
    content: ""; position: absolute; top: -7px; left: 50%; transform: translateX(-50%) rotate(45deg);
    width: 13px; height: 13px; background: #fff; border-left: 1px solid var(--line); border-top: 1px solid var(--line);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.has-dropdown:hover .main-nav__link svg { transform: rotate(180deg); }
.dropdown li a { display: block; padding: .64rem .85rem; border-radius: 8px; font-weight: 600; font-size: .92rem; color: var(--ink-700); transition: var(--transition); }
.dropdown li a:hover, .dropdown li a.is-active { background: var(--blue-50); color: var(--blue-600); transform: translateX(3px); }

.header-cta { flex-shrink: 0; }
.header-mobile-cta { display: none; }

.nav-toggle {
    display: none; flex-direction: column; justify-content: center; gap: 5px;
    width: 46px; height: 46px; background: var(--blue-50); border: none;
    border-radius: 12px; cursor: pointer; padding: 0 12px; flex-shrink: 0;
}
.nav-toggle span { height: 2.5px; width: 100%; background: var(--navy-800); border-radius: 2px; transition: var(--transition); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* --- Tiroir mobile --- */
.mobile-backdrop {
    position: fixed; inset: 0; background: rgba(7,31,55,.55); z-index: 290;
    opacity: 0; visibility: hidden; transition: var(--transition);
}
.mobile-backdrop.is-open { opacity: 1; visibility: visible; }
.mobile-nav {
    position: fixed; top: 0; right: 0; z-index: 300; height: 100dvh; width: min(89%, 370px);
    background: #fff; display: flex; flex-direction: column;
    box-shadow: -20px 0 60px rgba(7,31,55,.22);
    transform: translateX(102%); transition: transform .32s cubic-bezier(.4,0,.2,1);
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav__head { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.25rem; border-bottom: 1px solid var(--line-2); }
.mobile-nav__close { width: 42px; height: 42px; border: none; background: var(--bg-soft); border-radius: 11px; display: grid; place-items: center; cursor: pointer; color: var(--navy-800); }
.mobile-nav__close:hover { background: var(--blue-50); color: var(--blue-600); }
.mobile-nav__body { flex: 1; overflow-y: auto; padding: .4rem 1.25rem 1rem; -webkit-overflow-scrolling: touch; }
.mobile-nav__group { border-bottom: 1px solid var(--line-2); }
.mobile-nav__link, .mobile-nav__parent {
    display: flex; align-items: center; justify-content: space-between;
    padding: .95rem .25rem; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem; color: var(--navy-800);
}
.mobile-nav__link.is-active, .mobile-nav__parent.is-active { color: var(--blue-600); }
.mobile-nav__link svg, .mobile-nav__parent svg { color: var(--ink-400); }
.mobile-nav__sub { display: grid; padding: 0 0 .6rem; margin: 0; }
.mobile-nav__sub a { padding: .5rem .25rem .5rem 1rem; font-weight: 500; font-size: .96rem; color: var(--ink-500); border-left: 2px solid var(--line); margin-left: .15rem; transition: var(--transition); }
.mobile-nav__sub a:hover { color: var(--blue-600); border-left-color: var(--blue-600); }
.mobile-nav__foot { padding: 1.1rem 1.25rem; background: var(--bg-soft); border-top: 1px solid var(--line-2); }
.mobile-nav__foot .btn { margin-bottom: .9rem; }
.mobile-nav__foot-trust { display: grid; gap: .5rem; font-size: .85rem; color: var(--ink-500); }
.mobile-nav__foot-trust span { display: inline-flex; align-items: center; gap: .5em; }
.mobile-nav__foot-trust svg { color: var(--green-600); flex-shrink: 0; }

/* -------------------------------------------------------------------------
   6. Hero
   ---------------------------------------------------------------------- */
.hero { position: relative; background: radial-gradient(120% 130% at 85% -10%, #14406f 0%, var(--navy-800) 42%, var(--navy-900) 100%); color: #dce8f6; overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(circle at 18% 22%, rgba(47,134,246,.28), transparent 38%), radial-gradient(circle at 92% 78%, rgba(20,184,127,.18), transparent 40%); }
.hero__grid { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 3rem; align-items: center; padding-block: clamp(3rem, 6vw, 5.5rem); }
.hero__badge { display: inline-flex; align-items: center; gap: .55em; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: #fff; padding: .5em 1em; border-radius: 999px; font-size: .85rem; font-weight: 600; margin-bottom: 1.4rem; }
.hero__badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green-500); box-shadow: 0 0 0 4px rgba(20,184,127,.25); }
.hero h1 { color: #fff; font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 800; }
.hero h1 .accent { color: #7fb6ff; }
.hero__lead { font-size: 1.2rem; color: #b9cde4; margin-top: 1.2rem; max-width: 36ch; }
.hero__actions { display: flex; flex-wrap: wrap; gap: .9rem; margin-top: 2rem; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-top: 2.3rem; }
.hero__trust-item { display: flex; align-items: center; gap: .55em; font-size: .92rem; color: #c5d7ec; }
.hero__trust-item svg { color: var(--green-500); flex-shrink: 0; }

/* carte simulateur flottante */
.hero__card { background: #fff; color: var(--ink-700); border-radius: var(--radius-lg); padding: 1.8rem; box-shadow: var(--shadow-lg); }
.hero__card h2 { font-size: 1.2rem; color: var(--navy-800); }
.hero__card-sub { font-size: .9rem; color: var(--ink-500); margin-top: .2rem; margin-bottom: 1.2rem; }

/* -------------------------------------------------------------------------
   7. Bandeau de stats / réassurance
   ---------------------------------------------------------------------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.stat { text-align: center; padding: 1.4rem 1rem; background: #fff; border: 1px solid var(--line-2); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.stat__num { font-family: var(--font-head); font-weight: 800; font-size: clamp(1.7rem, 3.4vw, 2.3rem); color: var(--blue-600); line-height: 1; }
.stat__label { font-size: .92rem; color: var(--ink-500); margin-top: .5rem; }

/* logos / confiance */
.trust-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 2.4rem; }
.trust-row__item { display: inline-flex; align-items: center; gap: .5em; font-weight: 600; color: var(--ink-400); font-size: .95rem; }
.trust-row__item svg { color: var(--green-600); }

/* -------------------------------------------------------------------------
   8. Cartes / grilles
   ---------------------------------------------------------------------- */
.grid { display: grid; gap: 1.4rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.8rem; transition: var(--transition); height: 100%; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: var(--blue-100); }
.card__icon { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 15px; background: var(--blue-50); color: var(--blue-600); margin-bottom: 1.1rem; }
.card__icon svg { width: 26px; height: 26px; }
.card--green .card__icon { background: var(--green-100); color: var(--green-600); }
.card--amber .card__icon { background: var(--amber-100); color: #c97f0a; }
.card h3 { font-size: 1.22rem; margin-bottom: .5rem; }
.card p { color: var(--ink-500); font-size: .98rem; }
.card__link { display: inline-flex; align-items: center; gap: .4em; margin-top: 1rem; font-family: var(--font-head); font-weight: 700; font-size: .92rem; }
.card__link svg { transition: transform var(--transition); }
.card:hover .card__link svg { transform: translateX(4px); }

/* carte type de crédit avec montant */
.credit-card { display: flex; flex-direction: column; }
.credit-card__meta { display: flex; gap: 1.4rem; margin: 1rem 0; padding: 1rem 0; border-top: 1px solid var(--line-2); border-bottom: 1px solid var(--line-2); }
.credit-card__meta div { font-size: .82rem; color: var(--ink-400); }
.credit-card__meta strong { display: block; font-family: var(--font-head); font-size: 1.05rem; color: var(--navy-800); }

/* -------------------------------------------------------------------------
   9. Étapes / process
   ---------------------------------------------------------------------- */
.steps { counter-reset: step; display: grid; gap: 1.4rem; }
.steps--row { grid-template-columns: repeat(4, 1fr); }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 2.4rem 1.6rem 1.6rem; }
.step::before { counter-increment: step; content: counter(step); position: absolute; top: -22px; left: 1.6rem; width: 46px; height: 46px; display: grid; place-items: center; border-radius: 14px; background: var(--blue-600); color: #fff; font-family: var(--font-head); font-weight: 800; font-size: 1.2rem; box-shadow: var(--shadow-blue); }
.step h3 { font-size: 1.12rem; margin-bottom: .4rem; }
.step p { font-size: .96rem; color: var(--ink-500); }

/* liste à puces "check" */
.checklist { list-style: none; padding: 0; display: grid; gap: .85rem; }
.checklist li { position: relative; padding-left: 2.1rem; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%; background: var(--green-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%230f9d6b' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center / 14px no-repeat; }
.checklist--cross li::before { background: var(--red-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23d33a2c' stroke-width='3.2' stroke-linecap='round'%3E%3Cpath d='M18 6L6 18M6 6l12 12'/%3E%3C/svg%3E") center / 12px no-repeat; }

/* -------------------------------------------------------------------------
   10. Tableau comparatif
   ---------------------------------------------------------------------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
table.compare { width: 100%; border-collapse: collapse; min-width: 620px; background: #fff; }
table.compare th, table.compare td { padding: 1rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line-2); font-size: .96rem; }
table.compare thead th { background: var(--navy-800); color: #fff; font-family: var(--font-head); font-size: .9rem; letter-spacing: .02em; }
table.compare thead th:first-child { border-top-left-radius: var(--radius); }
table.compare thead th:last-child { border-top-right-radius: var(--radius); }
table.compare tbody tr:nth-child(even) { background: var(--bg-soft); }
table.compare tbody tr:hover { background: var(--blue-50); }
table.compare td strong { color: var(--navy-800); }
.tag { display: inline-block; padding: .25em .7em; border-radius: 999px; font-size: .78rem; font-weight: 700; font-family: var(--font-head); }
.tag--green { background: var(--green-100); color: var(--green-600); }
.tag--blue { background: var(--blue-100); color: var(--blue-600); }
.tag--amber { background: var(--amber-100); color: #b9760a; }

/* -------------------------------------------------------------------------
   11. Simulateur
   ---------------------------------------------------------------------- */
.simulator { display: grid; grid-template-columns: 1.1fr .9fr; gap: 0; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--line); background: #fff; }
.simulator__controls { padding: clamp(1.6rem, 3vw, 2.4rem); }
.simulator__result { background: var(--navy-800); color: #cfe0f3; padding: clamp(1.6rem, 3vw, 2.4rem); display: flex; flex-direction: column; }
.field { margin-bottom: 1.6rem; }
.field__top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .6rem; }
.field__label { font-family: var(--font-head); font-weight: 700; color: var(--navy-800); font-size: .98rem; }
.field__value { font-family: var(--font-head); font-weight: 800; color: var(--blue-600); font-size: 1.15rem; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 7px; border-radius: 999px; background: var(--blue-100); outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; border-radius: 50%; background: var(--blue-600); border: 4px solid #fff; box-shadow: var(--shadow); cursor: pointer; transition: transform .1s; }
input[type="range"]::-webkit-slider-thumb:active { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--blue-600); border: 4px solid #fff; box-shadow: var(--shadow); cursor: pointer; }
.field__scale { display: flex; justify-content: space-between; font-size: .78rem; color: var(--ink-400); margin-top: .4rem; }
.chip-group { display: flex; flex-wrap: wrap; gap: .5rem; }
.chip { border: 1.5px solid var(--line); background: #fff; padding: .5em 1em; border-radius: 999px; font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--ink-700); cursor: pointer; transition: var(--transition); }
.chip.is-active, .chip:hover { border-color: var(--blue-600); background: var(--blue-50); color: var(--blue-600); }

.result__label { font-size: .9rem; color: #9fc2ef; text-transform: uppercase; letter-spacing: .1em; font-weight: 600; }
.result__amount { font-family: var(--font-head); font-weight: 800; font-size: clamp(2.4rem, 6vw, 3.2rem); color: #fff; line-height: 1; margin: .3rem 0 .2rem; }
.result__amount small { font-size: 1.1rem; font-weight: 600; color: #9fc2ef; }
.result__rows { margin-top: 1.6rem; border-top: 1px solid rgba(255,255,255,.15); }
.result__row { display: flex; justify-content: space-between; padding: .8rem 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: .95rem; }
.result__row strong { color: #fff; font-family: var(--font-head); }
.result__cta { margin-top: auto; padding-top: 1.6rem; }
.result__legal { font-size: .72rem; color: #7e9bbd; margin-top: 1rem; line-height: 1.5; }

/* -------------------------------------------------------------------------
   12. Accordéon / FAQ
   ---------------------------------------------------------------------- */
.accordion { display: grid; gap: .8rem; }
.accordion__item { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; overflow: hidden; transition: var(--transition); }
.accordion__item:hover { border-color: var(--blue-100); }
.accordion__header { margin: 0; }
.accordion__trigger { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.25rem 1.4rem; background: none; border: none; cursor: pointer; text-align: left; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem; color: var(--navy-800); }
.accordion__icon { flex-shrink: 0; color: var(--blue-600); transition: transform var(--transition); }
.accordion__trigger[aria-expanded="true"] .accordion__icon { transform: rotate(180deg); }
.accordion__panel { padding: 0 1.4rem; }
.accordion__content { padding-bottom: 1.4rem; color: var(--ink-500); }
.accordion__content p + p { margin-top: .8rem; }

/* -------------------------------------------------------------------------
   13. Formulaire multi-étapes
   ---------------------------------------------------------------------- */
.lead-form { max-width: 620px; margin-inline: auto; background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--line); overflow: hidden; }
.lead-form__bar { height: 6px; background: var(--line-2); }
.lead-form__bar span { display: block; height: 100%; background: linear-gradient(90deg, var(--blue-600), var(--green-500)); width: 25%; transition: width .4s ease; }
.lead-form__body { padding: clamp(1.6rem, 4vw, 2.6rem); }
.lead-form__stepnum { font-family: var(--font-head); font-weight: 700; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--blue-600); }
.lead-form h2 { font-size: 1.45rem; margin: .3rem 0 1.4rem; }
.fstep { display: none; }
.fstep.is-active { display: block; animation: fade-in .35s ease; }
.form-row { margin-bottom: 1.2rem; }
.form-row > label { display: block; font-family: var(--font-head); font-weight: 600; color: var(--navy-800); margin-bottom: .45rem; font-size: .95rem; }
.form-control { width: 100%; padding: .85em 1em; border: 1.5px solid var(--line); border-radius: var(--radius-sm); font: inherit; color: var(--ink-900); background: #fff; transition: var(--transition); }
.form-control:focus { border-color: var(--blue-600); box-shadow: var(--ring); outline: none; }
.form-control.is-invalid { border-color: var(--red-600); }
.form-error { color: var(--red-600); font-size: .85rem; margin-top: .35rem; display: none; }
.form-error.is-visible { display: block; }
.option-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; }
.option-card { position: relative; }
.option-card input { position: absolute; opacity: 0; }
.option-card label { display: flex; align-items: center; gap: .6rem; padding: .95rem 1rem; border: 1.5px solid var(--line); border-radius: var(--radius); cursor: pointer; font-weight: 600; font-family: var(--font-head); color: var(--ink-700); transition: var(--transition); height: 100%; }
.option-card input:checked + label { border-color: var(--blue-600); background: var(--blue-50); color: var(--blue-600); }
.option-card input:focus-visible + label { box-shadow: var(--ring); }
.option-card label svg { width: 22px; height: 22px; flex-shrink: 0; }
.form-actions { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.8rem; }
.form-consent { display: flex; gap: .65rem; align-items: flex-start; font-size: .86rem; color: var(--ink-500); margin-top: 1rem; }
.form-consent input { margin-top: .25rem; width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--blue-600); }
.form-reassure { display: flex; gap: 1.2rem; flex-wrap: wrap; justify-content: center; margin-top: 1.4rem; font-size: .85rem; color: var(--ink-400); }
.form-reassure span { display: inline-flex; align-items: center; gap: .4em; }
.form-reassure svg { color: var(--green-600); }

/* -------------------------------------------------------------------------
   14. Article / prose
   ---------------------------------------------------------------------- */
.prose { max-width: 760px; }
.prose > * + * { margin-top: 1.15rem; }
.prose h2 { font-size: 1.65rem; margin-top: 2.6rem; padding-top: .4rem; }
.prose h3 { font-size: 1.28rem; margin-top: 1.8rem; }
.prose p, .prose li { color: var(--ink-700); }
.prose a { font-weight: 600; text-decoration: underline; text-decoration-color: var(--blue-100); text-underline-offset: 3px; }
.prose a:hover { text-decoration-color: var(--blue-600); }
.prose ul, .prose ol { padding-left: 1.3rem; display: grid; gap: .5rem; }
.prose strong { color: var(--navy-800); }
.prose blockquote { border-left: 4px solid var(--blue-600); background: var(--blue-50); padding: 1.1rem 1.4rem; border-radius: 0 var(--radius) var(--radius) 0; font-style: italic; color: var(--navy-700); }

.callout { display: flex; gap: 1rem; padding: 1.3rem 1.5rem; border-radius: var(--radius); background: var(--blue-50); border: 1px solid var(--blue-100); margin-block: 1.6rem; }
.callout__icon { flex-shrink: 0; width: 40px; height: 40px; display: grid; place-items: center; border-radius: 11px; background: var(--blue-600); color: #fff; }
.callout--green { background: var(--green-100); border-color: #b6ecd5; }
.callout--green .callout__icon { background: var(--green-600); }
.callout--amber { background: var(--amber-100); border-color: #fbdca0; }
.callout--amber .callout__icon { background: var(--amber-500); }
.callout h3 { font-size: 1.05rem; margin-bottom: .2rem; }
.callout p { font-size: .96rem; margin: 0; color: var(--ink-700); }

/* article layout with sidebar */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 3rem; align-items: start; }
.article-aside { position: sticky; top: 96px; display: grid; gap: 1.4rem; }
.aside-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.5rem; box-shadow: var(--shadow-sm); }
.aside-card--cta { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #cfe0f3; border: none; }
.aside-card--cta h3 { color: #fff; }
.aside-card h3 { font-size: 1.1rem; margin-bottom: .8rem; }
.aside-card ul { list-style: none; padding: 0; display: grid; gap: .55rem; }
.aside-card li a { font-weight: 600; font-size: .94rem; display: flex; gap: .5em; }

/* table of contents */
.toc { font-size: .94rem; }
.toc a { color: var(--ink-500); }
.toc a:hover { color: var(--blue-600); }

/* signature auteur / date / temps de lecture */
.article-meta { display: flex; flex-wrap: wrap; gap: .45rem 1.5rem; margin-top: 1.1rem; font-size: .88rem; color: var(--ink-400); }
.article-meta__item { display: inline-flex; align-items: center; gap: .45em; }
.article-meta a { color: var(--ink-500); font-weight: 600; }
.article-meta a:hover { color: var(--blue-600); }
.article-meta svg { width: 16px; height: 16px; color: var(--blue-600); flex-shrink: 0; }

/* encadré « points clés » */
.key-points { background: var(--blue-50); border: 1px solid var(--blue-100); border-radius: var(--radius); padding: 1.3rem 1.6rem; margin-bottom: 1.8rem; }
.key-points h2 { font-size: 1.05rem; margin: 0 0 .7rem; display: flex; align-items: center; gap: .5em; color: var(--navy-800); }
.key-points h2 svg { color: var(--blue-600); }
.key-points ul { margin: 0; padding-left: 1.25rem; display: grid; gap: .45rem; }
.key-points li { color: var(--ink-700); }
.key-points li::marker { color: var(--blue-600); }

/* avantages / points de vigilance */
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; margin: 2rem 0; }
.proscons__col { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem 1.5rem; background: #fff; }
.proscons__col--pro { background: #f3fbf7; border-color: #c5edda; }
.proscons__col--con { background: #fffaf0; border-color: #f6e2b8; }
.proscons__col h3 { font-size: 1.05rem; margin: 0 0 .9rem; display: flex; align-items: center; gap: .5em; }
.proscons__col--pro h3 { color: var(--green-600); }
.proscons__col--con h3 { color: #b9760a; }
.proscons ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .6rem; }
.proscons li { position: relative; padding-left: 1.6rem; font-size: .95rem; color: var(--ink-700); }
.proscons li::before { content: ""; position: absolute; left: 0; top: .15rem; width: 18px; height: 18px; background-size: 18px; background-repeat: no-repeat; }
.proscons__col--pro li::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' viewBox='0 0 24 24' fill='none' stroke='%230f9d6b' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E"); }
.proscons__col--con li::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' viewBox='0 0 24 24' fill='none' stroke='%23b9760a' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M18 6 6 18M6 6l12 12'/%3E%3C/svg%3E"); }

/* fiche d'identité (aside) */
.aside-facts dl { margin: 0; }
.aside-facts dt { font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; color: var(--ink-400); font-weight: 600; }
.aside-facts dd { margin: .1rem 0 .85rem; font-weight: 600; color: var(--navy-800); font-size: .98rem; }
.aside-facts dd:last-child { margin-bottom: 0; }

/* -------------------------------------------------------------------------
   15. Breadcrumb
   ---------------------------------------------------------------------- */
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: .5rem; padding: 0; margin: 0; font-size: .88rem; }
.breadcrumb li { display: flex; align-items: center; gap: .5rem; color: var(--ink-400); }
.breadcrumb li:not(:last-child)::after { content: "›"; color: var(--ink-400); }
.breadcrumb a { color: var(--ink-500); font-weight: 600; }
.breadcrumb [aria-current="page"] { color: var(--navy-800); font-weight: 600; }

.page-head { background: var(--bg-soft); border-bottom: 1px solid var(--line-2); padding-block: 2.4rem; }
.page-head h1 { font-size: clamp(1.8rem, 4vw, 2.7rem); margin-top: .8rem; }
.page-head__lead { font-size: 1.15rem; color: var(--ink-500); margin-top: .8rem; max-width: 70ch; }

/* -------------------------------------------------------------------------
   16. CTA band
   ---------------------------------------------------------------------- */
.cta-band { background: linear-gradient(135deg, var(--blue-600), var(--navy-800)); border-radius: var(--radius-xl); padding: clamp(2.4rem, 5vw, 3.6rem); color: #fff; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 80% 20%, rgba(255,255,255,.14), transparent 45%); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3.6vw, 2.3rem); }
.cta-band p { color: #d4e4f7; max-width: 52ch; margin: .9rem auto 1.8rem; font-size: 1.1rem; }
.cta-band .btn--primary { background: #fff; color: var(--blue-600); box-shadow: 0 14px 34px rgba(0,0,0,.2); }
.cta-band .btn--primary:hover { background: var(--blue-50); color: var(--blue-600); }

/* -------------------------------------------------------------------------
   17. Bandeau légal + footer
   ---------------------------------------------------------------------- */
.legal-warning { background: var(--amber-100); border: 1px solid #f6d28a; border-radius: var(--radius); padding: .9rem 1.2rem; color: #7a5407; font-size: .95rem; text-align: center; }
.legal-warning strong { color: #6b4905; }

.legal-band { background: var(--bg-soft); padding-block: 2rem; border-top: 1px solid var(--line-2); }
.legal-band__note { font-size: .85rem; color: var(--ink-400); text-align: center; max-width: 90ch; margin: 1rem auto 0; }

.site-footer { background: var(--navy-900); color: #9db4cd; padding-top: 3.4rem; }
.site-footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 2.4rem; padding-bottom: 2.6rem; }
.site-footer__tagline { font-size: .95rem; margin-top: 1rem; max-width: 34ch; color: #8aa2bd; }
.site-footer__title { color: #fff; font-size: 1rem; margin-bottom: 1rem; }
.site-footer__col ul { list-style: none; padding: 0; display: grid; gap: .6rem; }
.site-footer__col a { color: #9db4cd; font-size: .94rem; }
.site-footer__col a:hover { color: #fff; }
.site-footer__bottom { border-top: 1px solid rgba(255,255,255,.1); padding-block: 1.4rem; display: flex; flex-wrap: wrap; gap: .6rem 2rem; justify-content: space-between; align-items: center; font-size: .82rem; color: #6f87a3; }
.site-footer__disclaimer { max-width: 60ch; }

.back-to-top { position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 50%; background: var(--navy-800); color: #fff; border: none; display: grid; place-items: center; cursor: pointer; box-shadow: var(--shadow-lg); opacity: 0; transform: translateY(12px); transition: var(--transition); z-index: 150; }
.back-to-top.is-visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover { background: var(--blue-600); }

/* barre de progression de lecture */
.read-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 250; background: transparent; pointer-events: none; }
.read-progress span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--blue-500), var(--green-500)); transition: width .1s linear; }
@media (prefers-reduced-motion: reduce) { .read-progress span { transition: none; } }

/* exemple représentatif (mention légale + intention transactionnelle) */
.repr-example { display: flex; gap: 1.1rem; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--blue-600); border-radius: 0 var(--radius) var(--radius) 0; padding: 1.3rem 1.5rem; margin-block: 1.8rem; box-shadow: var(--shadow-sm); }
.repr-example__icon { flex-shrink: 0; width: 42px; height: 42px; display: grid; place-items: center; border-radius: 11px; background: var(--blue-50); color: var(--blue-600); }
.repr-example__title { font-family: var(--font-head); font-weight: 700; color: var(--navy-800); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: .4rem; }
.repr-example p { margin: 0; font-size: .96rem; color: var(--ink-700); }
.repr-example strong { color: var(--navy-800); }
.repr-example .muted { font-size: .82rem; color: var(--ink-400); margin-top: .4rem; }

/* formulaire de recherche */
.search-form { display: flex; align-items: center; gap: .6rem; margin-top: 1.4rem; max-width: 640px; background: #fff; border: 1.5px solid var(--line); border-radius: 999px; padding: .35rem .35rem .35rem 1rem; box-shadow: var(--shadow-sm); transition: var(--transition); }
.search-form:focus-within { border-color: var(--blue-600); box-shadow: var(--ring); }
.search-form__icon { color: var(--ink-400); flex-shrink: 0; }
.search-form input { flex: 1; border: none; outline: none; font: inherit; color: var(--ink-900); background: transparent; padding: .5rem 0; min-width: 0; }
.search-form .btn { flex-shrink: 0; }
@media (max-width: 480px) { .search-form .btn { padding-inline: 1rem; } }

/* -------------------------------------------------------------------------
   18. Utilitaires
   ---------------------------------------------------------------------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mt-1 { margin-top: .8rem; } .mt-2 { margin-top: 1.6rem; } .mt-3 { margin-top: 2.4rem; }
.mb-0 { margin-bottom: 0; } .mb-2 { margin-bottom: 1.6rem; }
.lead { font-size: 1.15rem; color: var(--ink-500); }
.muted { color: var(--ink-400); }
.flex { display: flex; } .gap-1 { gap: 1rem; } .wrap { flex-wrap: wrap; }
.divider { height: 1px; background: var(--line); border: 0; margin-block: 2.4rem; }
.pill { display: inline-flex; align-items: center; gap: .45em; background: var(--blue-50); color: var(--blue-600); font-family: var(--font-head); font-weight: 700; font-size: .82rem; padding: .35em .9em; border-radius: 999px; }

/* reveal animation — progressive enhancement : masqué uniquement si JS actif */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .js .reveal { opacity: 1; transform: none; transition: none; } }

@keyframes fade-in { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* -------------------------------------------------------------------------
   19. Responsive
   ---------------------------------------------------------------------- */
@media (max-width: 1024px) {
    .hero__grid { grid-template-columns: 1fr; }
    .hero__card { max-width: 460px; }
    .grid--4 { grid-template-columns: repeat(2, 1fr); }
    .steps--row { grid-template-columns: repeat(2, 1fr); }
    .article-layout { grid-template-columns: 1fr; }
    .article-aside { position: static; grid-template-columns: repeat(2, 1fr); display: grid; }
}

@media (max-width: 980px) {
    .main-nav, .header-cta, .topbar { display: none; }
    .nav-toggle { display: flex; }
    .header-mobile-cta { display: inline-flex; margin-left: auto; }
}

@media (max-width: 860px) {
    .simulator { grid-template-columns: 1fr; }
    .stats { grid-template-columns: repeat(2, 1fr); }
    .site-footer__grid { grid-template-columns: 1fr 1fr; }
    .site-footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 420px) {
    .header-mobile-cta .btn-label { display: none; }
}

@media (max-width: 560px) {
    body { font-size: 1rem; }
    .grid--2, .grid--3, .grid--4, .steps--row { grid-template-columns: 1fr; }
    .proscons { grid-template-columns: 1fr; }
    .option-grid { grid-template-columns: 1fr; }
    .article-aside { grid-template-columns: 1fr; }
    .site-footer__grid { grid-template-columns: 1fr; }
    .form-actions { flex-direction: column-reverse; }
    .form-actions .btn { width: 100%; }
    .hero__actions .btn { width: 100%; }
}