/* ==========================================================================
   MON PARTENAIRE FINANCE — Feuille de style principale
   Palette : navy profond · or · ivoire
   ========================================================================== */

:root{
  /* Couleurs */
  --navy-900:#061320;
  --navy-800:#0A1F33;
  --navy-700:#0F2A44;
  --navy-600:#153552;
  --navy-500:#1D4266;
  --gold-300:#F6E3AE;
  --gold-400:#E4C878;
  --gold-500:#C9A227;
  --gold-600:#A8851B;
  --ivory:#F8F5EF;
  --ivory-2:#F1EBE0;
  --white:#FFFFFF;
  --ink:#0C1A28;
  --ink-soft:#3F4E5C;
  --ink-mute:#6B7A88;
  --line:rgba(12,26,40,.10);
  --line-gold:rgba(201,162,39,.32);
  --line-light:rgba(255,255,255,.12);

  /* Typo */
  --font-display:"Cormorant Garamond", "Times New Roman", serif;
  --font-body:"Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Rythme */
  --radius:4px;
  --radius-lg:8px;
  --container:1200px;
  --gutter:clamp(20px, 4vw, 48px);
  --section-y:clamp(64px, 9vw, 132px);

  /* Ombres */
  --shadow-s:0 1px 2px rgba(6,19,32,.06), 0 4px 14px rgba(6,19,32,.05);
  --shadow-m:0 2px 6px rgba(6,19,32,.06), 0 18px 44px -12px rgba(6,19,32,.18);
  --shadow-l:0 30px 80px -24px rgba(6,19,32,.34);

  /* Mouvement */
  --ease:cubic-bezier(.22,.61,.36,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
  --ease-soft:cubic-bezier(.4,0,.2,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-body);
  font-size:clamp(15px,.55vw + 13.6px,16.5px);
  line-height:1.7;
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img,svg,canvas{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit}
h1,h2,h3,h4{margin:0;font-family:var(--font-display);font-weight:600;line-height:1.1;letter-spacing:-.015em;color:var(--navy-800)}
p{margin:0}
ul,ol,dl{margin:0;padding:0;list-style:none}
::selection{background:rgba(201,162,39,.28);color:var(--navy-900)}
.sprite{position:absolute;width:0;height:0;overflow:hidden}
.ico{width:20px;height:20px;flex:none;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}

.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
.skip-link{
  position:absolute;left:-9999px;top:12px;z-index:200;
  background:var(--navy-800);color:var(--white);padding:12px 20px;border-radius:var(--radius);
}
.skip-link:focus{left:var(--gutter);outline:2px solid var(--gold-400);outline-offset:2px}

:focus-visible{outline:2px solid var(--gold-500);outline-offset:3px;border-radius:2px}

/* Photo d'ambiance du hero (voile navy par-dessus pour la lisibilité) */
.hero-media{
  position:absolute;inset:0;z-index:-1;overflow:hidden;
}
.hero-media img{
  width:100%;height:100%;object-fit:cover;object-position:center 42%;
  opacity:.85;
  transform:scale(1.04);
  animation:heroZoom 22s var(--ease-soft) both;
}
@keyframes heroZoom{
  from{transform:scale(1.12)}
  to{transform:scale(1.04)}
}
/* Voile dégradé : dense à gauche (derrière le texte), dégagé à droite (le bien reste visible) */
.hero-media::after{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(100deg, rgba(4,16,27,.92) 0%, rgba(6,19,32,.78) 38%, rgba(6,19,32,.34) 66%, rgba(6,19,32,.12) 100%),
    linear-gradient(180deg, rgba(4,16,27,.45) 0%, transparent 26%, rgba(4,16,27,.5) 100%);
}
/* Sur écran étroit le hero est très haut (contenu empilé) : si la photo couvrait
   toute la hauteur, le recadrage deviendrait un zoom méconnaissable. On la limite
   donc à la zone haute, avec un fondu vers le navy uni en dessous. */
@media (max-width:940px){
  .hero-media{inset:0 0 auto 0;height:min(66vh,580px)}
  .hero-media img{opacity:.92;object-position:center 38%}
  .hero-media::after{
    background:
      linear-gradient(180deg, rgba(4,16,27,.78) 0%, rgba(5,17,29,.52) 42%, rgba(5,17,29,.86) 76%, var(--navy-900) 100%);
  }
  /* Filet de sécurité pour la lisibilité du texte posé sur la photo */
  .hero h1,.hero .lead,.hero-since,.hero-note{
    text-shadow:0 1px 14px rgba(4,16,27,.72), 0 1px 3px rgba(4,16,27,.6);
  }
}

/* Accroche : alternance texte clair / mots en or */
.hero h1 .hero-q{display:block;font-weight:400}
.hero h1 .hero-hl{
  display:inline-block;
  background:linear-gradient(120deg,#FBEED0,var(--gold-400) 46%,var(--gold-600));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
  text-transform:uppercase;letter-spacing:.055em;font-weight:600;
}
.hero h1 .hero-hl-red{
  background:linear-gradient(120deg,#F3B9AE,#D9705F 55%,#9E4034);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
  position:relative;
}
.hero h1 .hero-hl-red::after{
  content:"";position:absolute;left:-2px;right:-2px;bottom:.08em;height:.06em;
  background:linear-gradient(90deg,transparent,rgba(158,64,52,.85),transparent);
  transform:scaleX(0);transform-origin:left;
  animation:strikeIn .7s .9s var(--ease-out) forwards;
}
@keyframes strikeIn{to{transform:scaleX(1)}}
.hero h1 .hero-q:first-child{margin-bottom:2px}

.hero-since{
  margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);
  font-size:.9rem;letter-spacing:.02em;color:rgba(238,244,249,.62);
  font-style:italic;
}
.hero-since::before{
  content:"";display:inline-block;width:18px;height:1px;margin-right:10px;
  vertical-align:middle;background:var(--gold-500);
}

/* ==========================================================================
   HEADER
   ========================================================================== */
.site-header{
  position:fixed;inset:0 0 auto 0;z-index:100;
  background:transparent;
  transition:background .5s var(--ease), box-shadow .5s var(--ease), backdrop-filter .5s var(--ease), border-color .5s var(--ease);
  border-bottom:1px solid transparent;
}
.site-header.is-scrolled,
.site-header.is-open{
  background:rgba(6,19,32,.86);
  -webkit-backdrop-filter:blur(18px) saturate(140%);
  backdrop-filter:blur(18px) saturate(140%);
  border-bottom-color:rgba(201,162,39,.22);
  box-shadow:0 12px 40px -20px rgba(0,0,0,.6);
}
.header-inner{display:flex;align-items:center;gap:24px;min-height:84px}
.site-header.is-scrolled .header-inner{min-height:70px;transition:min-height .45s var(--ease)}

.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand-mark{
  width:46px;height:46px;border-radius:12px;
  transition:transform .6s var(--ease-out), box-shadow .6s var(--ease);
  box-shadow:0 6px 20px -8px rgba(201,162,39,.55);
}
.brand:hover .brand-mark{transform:rotate(-6deg) scale(1.05)}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{
  font-family:var(--font-body);font-size:12.5px;font-weight:600;letter-spacing:.22em;
  color:var(--white);
}
.brand-sub{
  font-family:var(--font-body);font-size:12.5px;font-weight:700;letter-spacing:.42em;
  color:var(--gold-400);
}
.brand-footer .brand-name{color:var(--white)}
.brand-footer .brand-sub{color:var(--gold-400)}

.main-nav{margin-inline:auto;display:flex;align-items:center;gap:28px}
.main-nav ul{display:flex;align-items:center;gap:6px}
.main-nav ul a{
  position:relative;display:inline-block;padding:10px 12px;
  font-size:13.5px;font-weight:500;letter-spacing:.01em;color:rgba(255,255,255,.78);
  transition:color .3s var(--ease);
}
.main-nav ul a::after{
  content:"";position:absolute;left:12px;right:12px;bottom:4px;height:1px;
  background:linear-gradient(90deg,var(--gold-500),var(--gold-300));
  transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease-out);
}
.main-nav ul a:hover,.main-nav ul a.is-current{color:var(--white)}
.main-nav ul a:hover::after,.main-nav ul a.is-current::after{transform:scaleX(1)}

.header-tools{display:flex;align-items:center;gap:14px;flex:none}

.lang-switch{
  display:inline-flex;align-items:center;padding:3px;
  border:1px solid rgba(255,255,255,.18);border-radius:100px;
  background:rgba(255,255,255,.05);
}
.lang-btn{
  border:0;background:transparent;cursor:pointer;
  font-size:11px;font-weight:600;letter-spacing:.1em;
  padding:6px 11px;border-radius:100px;color:rgba(255,255,255,.62);
  transition:color .3s var(--ease), background .3s var(--ease);
}
.lang-btn:hover{color:var(--white)}
.lang-btn.is-active{background:linear-gradient(180deg,var(--gold-400),var(--gold-500));color:var(--navy-900)}

.burger{
  display:none;width:44px;height:44px;border:1px solid rgba(255,255,255,.2);border-radius:50%;
  background:transparent;cursor:pointer;position:relative;
}
.burger span{
  position:absolute;left:50%;width:18px;height:1.5px;background:var(--white);
  transform:translateX(-50%);transition:transform .4s var(--ease), opacity .3s var(--ease);
}
.burger span:nth-child(1){top:16px}
.burger span:nth-child(2){top:21px}
.burger span:nth-child(3){top:26px}
.site-header.is-open .burger span:nth-child(1){transform:translateX(-50%) translateY(5px) rotate(45deg)}
.site-header.is-open .burger span:nth-child(2){opacity:0}
.site-header.is-open .burger span:nth-child(3){transform:translateX(-50%) translateY(-5px) rotate(-45deg)}

/* ==========================================================================
   BOUTONS
   ========================================================================== */
.btn{
  --btn-bg:var(--navy-800);
  position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 30px;border:1px solid transparent;border-radius:2px;
  font-family:var(--font-body);font-size:13.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;
  cursor:pointer;overflow:hidden;isolation:isolate;
  transition:transform .45s var(--ease-out), box-shadow .45s var(--ease), color .35s var(--ease), border-color .35s var(--ease);
}
.btn::before{
  content:"";position:absolute;inset:0;z-index:-1;
  transform:translateY(101%);transition:transform .5s var(--ease-out);
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-gold{
  background:linear-gradient(135deg,var(--gold-400) 0%,var(--gold-500) 46%,var(--gold-600) 100%);
  color:var(--navy-900);box-shadow:0 10px 30px -12px rgba(201,162,39,.7);
}
.btn-gold::before{background:linear-gradient(135deg,#FBEED0,#E4C878)}
.btn-gold:hover{box-shadow:0 18px 44px -14px rgba(201,162,39,.85);color:var(--navy-900)}
.btn-gold:hover::before{transform:translateY(0)}
.btn-navy{background:var(--navy-800);color:var(--white)}
.btn-navy::before{background:var(--navy-600)}
.btn-navy:hover::before{transform:translateY(0)}
.btn-ghost{
  background:transparent;color:var(--white);
  border-color:rgba(255,255,255,.32);
}
.btn-ghost::before{background:rgba(255,255,255,.08)}
.btn-ghost:hover{border-color:var(--gold-400);color:var(--gold-300)}
.btn-ghost:hover::before{transform:translateY(0)}
.btn-sm{padding:11px 20px;font-size:11.5px}
.btn-block{width:100%}

.link-arrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:13px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;
  color:var(--gold-500);padding-bottom:3px;border-bottom:1px solid var(--line-gold);
  transition:gap .4s var(--ease-out), color .3s var(--ease), border-color .3s var(--ease);
}
.link-arrow .ico{width:16px;height:16px;transition:transform .4s var(--ease-out)}
.link-arrow:hover{gap:14px;color:var(--gold-600);border-bottom-color:var(--gold-500)}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{
  position:relative;overflow:hidden;
  padding-top:clamp(130px,16vw,190px);
  padding-bottom:clamp(64px,8vw,110px);
  background:var(--navy-900);
  color:var(--white);
  isolation:isolate;
}
.hero-bg{
  position:absolute;inset:-10% -10% 0 -10%;z-index:-2;
  background:
    radial-gradient(1100px 620px at 78% -8%, rgba(201,162,39,.20), transparent 62%),
    radial-gradient(900px 520px at 4% 8%, rgba(29,66,102,.75), transparent 66%),
    linear-gradient(168deg,#0B2237 0%,#071829 52%,#04101B 100%);
  will-change:transform;
}
.hero-bg::after{
  content:"";position:absolute;inset:0;
  background-image:
    linear-gradient(to right, rgba(255,255,255,.045) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size:88px 88px;
  mask-image:radial-gradient(circle at 50% 32%, #000 0%, transparent 78%);
  -webkit-mask-image:radial-gradient(circle at 50% 32%, #000 0%, transparent 78%);
}
.hero::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:1px;
  background:linear-gradient(90deg,transparent,var(--line-gold),transparent);
}

.hero-inner{
  position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);
  gap:clamp(36px,5vw,80px);align-items:center;
}
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-size:11.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold-400);margin-bottom:22px;
}
.eyebrow-dot{
  width:6px;height:6px;border-radius:50%;background:var(--gold-400);
  box-shadow:0 0 0 0 rgba(201,162,39,.5);animation:pulse 3s var(--ease-soft) infinite;
}
@keyframes pulse{
  0%{box-shadow:0 0 0 0 rgba(201,162,39,.5)}
  60%{box-shadow:0 0 0 12px rgba(201,162,39,0)}
  100%{box-shadow:0 0 0 0 rgba(201,162,39,0)}
}
/* Accroche du hero : Didone haute couture (Bodoni Moda) — forts contrastes de
   pleins et de déliés, l'archétype typographique du luxe. Repli sur la serif
   d'affichage si la webfont n'est pas encore chargée. */
.hero h1{
  font-family:"Bodoni Moda", var(--font-display);
  font-optical-sizing:auto;
  font-size:clamp(2.45rem,5.35vw,4.45rem);
  line-height:1.02;letter-spacing:-.006em;color:var(--white);font-weight:500;
  max-width:19ch;
  background:linear-gradient(175deg,#FFFFFF 34%,#D9E2EA 76%,#B9C6D2 100%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.hero .lead{
  margin-top:24px;max-width:52ch;
  font-size:clamp(1rem,.5vw + .92rem,1.13rem);line-height:1.72;
  color:rgba(238,244,249,.76);font-weight:300;
}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px}
.hero-note{
  display:flex;align-items:center;gap:10px;margin-top:30px;
  font-size:12.5px;letter-spacing:.02em;color:rgba(238,244,249,.55);
}
.hero-note .ico{color:var(--gold-400);width:17px;height:17px}

/* Carte chiffres clés */
.hero-card{
  position:relative;padding:clamp(26px,3vw,38px);
  border:1px solid rgba(201,162,39,.28);border-radius:var(--radius-lg);
  background:linear-gradient(158deg, rgba(255,255,255,.085), rgba(255,255,255,.025) 46%, rgba(255,255,255,.05));
  -webkit-backdrop-filter:blur(22px);backdrop-filter:blur(22px);
  box-shadow:var(--shadow-l);
  overflow:hidden;
}
.hero-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:1px;
  background:linear-gradient(90deg,transparent,var(--gold-400),transparent);
  opacity:.9;
}
.hero-card-title{
  font-size:10.5px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;
  color:rgba(255,255,255,.5);margin-bottom:22px;
}
.hero-card-rate{padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:22px}
.rate-value{
  display:block;font-family:var(--font-display);font-size:clamp(3.4rem,6vw,4.4rem);font-weight:600;line-height:.92;
  background:linear-gradient(120deg,#FBEED0,var(--gold-400) 44%,var(--gold-600));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
  letter-spacing:-.04em;
}
.rate-unit{font-size:.42em;vertical-align:super;letter-spacing:0;margin-left:2px}
.rate-label{
  display:block;margin-top:8px;font-size:12.5px;font-weight:500;letter-spacing:.06em;
  text-transform:uppercase;color:rgba(255,255,255,.58);
}
.hero-card-list{display:grid;gap:16px;margin-bottom:24px}
.hero-card-list li{display:flex;gap:13px;align-items:flex-start}
.hero-card-list .ico{color:var(--gold-400);width:18px;height:18px;margin-top:2px}
.hero-card-list strong{
  display:block;font-size:13.5px;font-weight:600;color:var(--white);letter-spacing:.005em;
}
.hero-card-list em{
  display:block;font-style:normal;font-size:12.5px;line-height:1.55;color:rgba(238,244,249,.52);margin-top:2px;
}
.hero-card-link{
  display:flex;align-items:center;justify-content:space-between;gap:12px;
  padding-top:18px;border-top:1px solid rgba(255,255,255,.1);
  font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-300);
  transition:color .3s var(--ease);
}
.hero-card-link .ico{width:18px;height:18px;transition:transform .45s var(--ease-out)}
.hero-card-link:hover{color:var(--white)}
.hero-card-link:hover .ico{transform:translateX(6px)}

/* ==========================================================================
   BANDEAU CHIFFRES
   ========================================================================== */
.stats{
  background:var(--navy-800);
  border-bottom:1px solid rgba(255,255,255,.07);
  padding-block:clamp(34px,4vw,52px);
}
.stats-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:clamp(18px,2.4vw,32px);
}
.stat{position:relative;padding-left:22px;color:var(--white)}
.stat::before{
  content:"";position:absolute;left:0;top:4px;bottom:4px;width:1px;
  background:linear-gradient(180deg,var(--gold-500),rgba(201,162,39,.1));
}
.stat-num{
  display:block;font-family:var(--font-display);font-size:clamp(1.9rem,3vw,2.6rem);
  font-weight:600;color:var(--gold-300);letter-spacing:-.02em;line-height:1.05;
}
.stat-label{
  display:block;margin-top:6px;font-size:12px;line-height:1.5;
  color:rgba(238,244,249,.55);letter-spacing:.02em;
}

/* ==========================================================================
   SECTIONS
   ========================================================================== */
.section{padding-block:var(--section-y);position:relative}
.section-dark{background:var(--navy-900);color:rgba(238,244,249,.8)}
.section-dark h2,.section-dark h3{color:var(--white)}
.section-cream{background:var(--ivory)}

.section-head{max-width:760px;margin:0 auto clamp(40px,5vw,68px);text-align:center}
.section-head-left{margin-inline:0;text-align:left;max-width:660px}
.section-kicker{
  display:inline-flex;align-items:center;gap:9px;
  font-size:11px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;
  color:var(--gold-600);margin-bottom:16px;
}
.section-kicker::before{
  content:"";width:26px;height:1px;background:var(--gold-500);opacity:.8;
}
.section-dark .section-kicker{color:var(--gold-400)}
.section-head h2{
  font-size:clamp(1.95rem,3.5vw,3rem);line-height:1.06;letter-spacing:-.025em;
}
.section-sub{
  margin-top:18px;font-size:clamp(.98rem,.3vw + .9rem,1.06rem);line-height:1.7;
  color:var(--ink-soft);font-weight:400;
}
.section-dark .section-sub{color:rgba(238,244,249,.6)}

/* ---------- Cartes génériques ---------- */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(16px,1.8vw,24px)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,1.8vw,24px)}

.card{
  position:relative;padding:clamp(24px,2.4vw,34px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  overflow:hidden;
  transition:transform .55s var(--ease-out), box-shadow .55s var(--ease), border-color .45s var(--ease);
}
.card::before{
  content:"";position:absolute;inset:0;pointer-events:none;opacity:0;
  background:radial-gradient(340px circle at var(--mx,50%) var(--my,0%), rgba(201,162,39,.12), transparent 62%);
  transition:opacity .5s var(--ease);
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-m);border-color:var(--line-gold)}
.card:hover::before{opacity:1}
.card h3{font-size:1.22rem;margin-bottom:10px;letter-spacing:-.01em}
.card p{font-size:.93rem;line-height:1.68;color:var(--ink-soft)}
.card-ico{
  width:38px;height:38px;padding:9px;border-radius:8px;margin-bottom:20px;
  color:var(--gold-600);background:linear-gradient(150deg,rgba(201,162,39,.14),rgba(201,162,39,.04));
  border:1px solid var(--line-gold);
  stroke-width:1.5;
}
.card-gold{background:linear-gradient(170deg,#FFFDF9,#FBF7EF)}
.card-gold .card-ico{color:var(--gold-600)}

/* ==========================================================================
   SPLIT
   ========================================================================== */
.split{
  display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);
  gap:clamp(36px,5vw,84px);align-items:start;
}
.split-reverse{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.split-copy h2{font-size:clamp(1.8rem,3.2vw,2.75rem);line-height:1.08}
.split-copy p{margin-top:18px;color:var(--ink-soft);line-height:1.75}
.section-dark .split-copy p{color:rgba(238,244,249,.68)}
.section-dark .split-copy h2{color:var(--white)}

.checklist{margin-top:30px;display:grid;gap:14px}
.checklist li{display:flex;gap:12px;align-items:flex-start;font-size:.95rem;line-height:1.6}
.checklist .ico{
  width:20px;height:20px;padding:3px;margin-top:2px;border-radius:50%;
  color:var(--gold-300);background:rgba(201,162,39,.14);stroke-width:2.2;
}

/* Fiche caractéristiques */
.spec-card{
  position:sticky;top:100px;
  padding:clamp(26px,3vw,38px);
  background:linear-gradient(162deg,#0E273D,#071A2B 68%);
  border:1px solid rgba(201,162,39,.26);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-l);
}
.spec-card h3{
  font-size:.72rem;font-family:var(--font-body);font-weight:600;letter-spacing:.24em;
  text-transform:uppercase;color:var(--gold-400);margin-bottom:22px;
}
.spec-list{display:grid;gap:0}
.spec-list > div{
  display:flex;justify-content:space-between;align-items:baseline;gap:18px;
  padding:14px 0;border-bottom:1px solid rgba(255,255,255,.08);
}
.spec-list dt{font-size:12.5px;color:rgba(238,244,249,.55);letter-spacing:.02em}
.spec-list dd{
  margin:0;font-size:14px;font-weight:600;color:var(--white);text-align:right;letter-spacing:.005em;
}
.spec-card .btn{margin-top:26px}
.spec-note{
  margin-top:14px;font-size:11px;line-height:1.55;color:rgba(238,244,249,.4);text-align:center;
}

/* ==========================================================================
   EXEMPLES D'OPÉRATIONS
   ========================================================================== */
.opp-grid{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:clamp(16px,1.8vw,24px);
}
.opp-card{
  position:relative;display:flex;flex-direction:column;
  padding:0 0 clamp(22px,2.4vw,30px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  overflow:hidden;
  transition:transform .55s var(--ease-out), box-shadow .55s var(--ease), border-color .45s var(--ease);
}

/* Visuel du bien : pleine largeur, en tête de carte */
.opp-photo{
  position:relative;overflow:hidden;
  aspect-ratio:16/11;margin-bottom:clamp(18px,2vw,24px);
  background:var(--navy-700);
}
.opp-photo img{
  width:100%;height:100%;object-fit:cover;display:block;
  transition:transform 1.1s var(--ease-out), filter .6s var(--ease);
}
.opp-photo::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(6,19,32,.06) 0%, transparent 40%, rgba(6,19,32,.38) 100%);
  pointer-events:none;
}
.opp-card:hover .opp-photo img{transform:scale(1.07)}
.opp-badge{
  position:absolute;top:12px;left:12px;z-index:2;
  display:inline-flex;align-items:center;gap:6px;
  padding:5px 11px;border-radius:100px;
  font-size:9.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  background:rgba(6,19,32,.72);
  -webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);
  border:1px solid rgba(255,255,255,.28);
  color:var(--white);
}
.opp-badge-gold{
  background:linear-gradient(135deg,var(--gold-400),var(--gold-500));
  border-color:rgba(255,255,255,.4);
  color:var(--navy-900);
}
.opp-card > .opp-top,
.opp-card > .opp-amount,
.opp-card > .opp-amount-label,
.opp-card > .opp-rows,
.opp-card > .opp-guarantee{
  padding-inline:clamp(22px,2.4vw,30px);
}
.opp-card::before{
  content:"";position:absolute;left:0;top:0;right:0;height:2px;
  background:linear-gradient(90deg,var(--gold-500),var(--gold-300));
  transform:scaleX(0);transform-origin:left;
  transition:transform .6s var(--ease-out);
}
.opp-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-m);border-color:var(--line-gold)}
.opp-card:hover::before{transform:scaleX(1)}

.opp-card-hi{
  background:linear-gradient(168deg,#0E273D,#061320 78%);
  border-color:rgba(201,162,39,.34);
  box-shadow:var(--shadow-m);
}
.opp-card-hi::before{transform:scaleX(1)}
.opp-card-hi .opp-loc{color:var(--white)}
.opp-card-hi .opp-type{color:rgba(238,244,249,.52)}
.opp-card-hi .opp-amount{
  background:linear-gradient(120deg,#FBEED0,var(--gold-400) 50%,var(--gold-600));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.opp-card-hi .opp-amount-label{color:rgba(238,244,249,.45)}
.opp-card-hi .opp-rows > div{border-bottom-color:rgba(255,255,255,.09)}
.opp-card-hi .opp-rows dt{color:rgba(238,244,249,.55)}
.opp-card-hi .opp-rows dd{color:var(--white)}
.opp-card-hi .opp-guarantee{
  color:var(--gold-300);border-top-color:rgba(255,255,255,.1);
}
.opp-card-hi .opp-guarantee .ico{color:var(--gold-400)}

.opp-top{margin-bottom:18px}
.opp-loc{
  font-family:var(--font-display);font-size:1.16rem;font-weight:600;line-height:1.2;
  color:var(--navy-800);letter-spacing:-.01em;
}
.opp-type{
  margin-top:5px;font-size:10.5px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;
  color:var(--ink-mute);line-height:1.5;
}
.opp-amount{
  font-family:var(--font-display);font-size:clamp(1.85rem,2.6vw,2.3rem);font-weight:600;
  line-height:1;letter-spacing:-.03em;color:var(--navy-800);
  font-variant-numeric:tabular-nums;
}
.opp-amount-label{
  margin-top:6px;margin-bottom:20px;
  font-size:10.5px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mute);
}
.opp-rows{display:grid;gap:0;margin-top:auto}
.opp-rows > div{
  display:flex;justify-content:space-between;align-items:baseline;gap:14px;
  padding:10px 0;border-bottom:1px solid var(--line);
}
.opp-rows dt{font-size:12px;color:var(--ink-mute);letter-spacing:.01em}
.opp-rows dd{
  margin:0;font-size:13.5px;font-weight:600;color:var(--navy-800);
  text-align:right;font-variant-numeric:tabular-nums;
}
.opp-guarantee{
  display:flex;gap:9px;align-items:flex-start;
  margin-top:16px;padding-top:15px;border-top:1px solid var(--line);
  font-size:11.5px;line-height:1.55;color:var(--gold-600);font-weight:500;
}
.opp-guarantee .ico{width:15px;height:15px;margin-top:1px;flex:none}

.opp-foot{
  display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;
  gap:24px;margin-top:clamp(28px,3.4vw,44px);
  padding-top:26px;border-top:1px solid var(--line);
}
.opp-foot p{
  flex:1 1 460px;font-size:11.5px;line-height:1.7;color:var(--ink-mute);max-width:78ch;
}
.opp-foot strong{color:var(--ink-soft)}

@media (max-width:1080px){
  .opp-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:640px){
  .opp-grid{grid-template-columns:1fr}
  .opp-foot{flex-direction:column;align-items:flex-start}
}

/* ==========================================================================
   GALERIE DE BIENS D'EXCEPTION
   ========================================================================== */
.gallery-section{background:var(--white)}

.gallery{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  grid-auto-rows:clamp(180px,20vw,250px);
  gap:clamp(12px,1.4vw,18px);
}
.gallery-item{
  position:relative;margin:0;overflow:hidden;
  border-radius:var(--radius-lg);
  background:var(--navy-700);
  grid-column:span 1;grid-row:span 1;
  box-shadow:var(--shadow-s);
}
.gallery-wide{grid-column:span 2}

.gallery-item img{
  width:100%;height:100%;object-fit:cover;display:block;
  transition:transform 1.4s var(--ease-out), filter .7s var(--ease);
  filter:saturate(1.02);
}
.gallery-item::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(180deg, transparent 34%, rgba(4,16,27,.28) 62%, rgba(4,16,27,.88) 100%);
  transition:opacity .5s var(--ease);
}
.gallery-item:hover img{transform:scale(1.06)}

.gallery-item figcaption{
  position:absolute;left:0;right:0;bottom:0;z-index:2;
  padding:clamp(14px,1.6vw,20px);
  display:flex;flex-direction:column;gap:3px;
  transform:translateY(6px);
  transition:transform .55s var(--ease-out);
}
.gallery-item:hover figcaption{transform:translateY(0)}

.gallery-place{
  font-family:var(--font-display);font-size:clamp(1rem,1.3vw,1.2rem);font-weight:600;
  color:var(--white);line-height:1.2;letter-spacing:-.01em;
}
.gallery-meta{
  font-size:10.5px;font-weight:500;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gold-300);line-height:1.45;
}

.gallery-note{
  margin-top:clamp(20px,2.4vw,28px);
  font-size:11px;line-height:1.65;color:var(--ink-mute);max-width:92ch;
}

@media (max-width:1080px){
  .gallery{grid-template-columns:repeat(2,1fr);grid-auto-rows:clamp(170px,24vw,230px)}
  .gallery-wide{grid-column:span 2}
}
@media (max-width:560px){
  .gallery{grid-template-columns:1fr;grid-auto-rows:clamp(200px,52vw,260px)}
  .gallery-wide{grid-column:span 1}
}

/* ==========================================================================
   CROISSANCE DU CAPITAL
   ========================================================================== */
.growth-wrap{
  display:grid;grid-template-columns:minmax(0,1.55fr) minmax(0,1fr);
  gap:clamp(24px,3.2vw,48px);align-items:stretch;
  padding:clamp(24px,3vw,40px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-s);
}
.growth-chart{position:relative;height:clamp(300px,36vw,400px);min-width:0}

.growth-aside{display:flex;flex-direction:column;justify-content:center}
.growth-label{
  font-size:10.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold-600);margin-bottom:16px;
}
.growth-steps{display:grid;gap:0;margin-bottom:20px}
.growth-steps li{
  display:flex;flex-direction:column;gap:2px;
  padding:12px 0;border-bottom:1px solid var(--line);
}
.growth-steps li:last-child{border-bottom:0}
.growth-steps span{
  font-family:var(--font-display);font-size:clamp(1.3rem,2vw,1.65rem);font-weight:600;
  color:var(--navy-800);line-height:1.1;letter-spacing:-.02em;
  font-variant-numeric:tabular-nums;
}
.growth-steps em{
  font-style:normal;font-size:11.5px;line-height:1.5;color:var(--ink-mute);
}
.growth-steps .growth-hl span{
  background:linear-gradient(120deg,var(--gold-600),var(--gold-400) 55%,var(--gold-600));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.growth-foot{
  font-size:10.5px;line-height:1.6;color:var(--ink-mute);
  margin-bottom:22px;
}
.growth-aside .btn{margin-top:auto}

@media (max-width:940px){
  .growth-wrap{grid-template-columns:1fr}
  .growth-chart{height:clamp(260px,52vw,340px)}
}
.chart-wrap{
  display:grid;grid-template-columns:minmax(0,1.7fr) minmax(0,1fr);
  gap:clamp(24px,3.4vw,52px);align-items:center;
  padding:clamp(24px,3vw,44px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-s);
}
.chart-box{position:relative;height:clamp(280px,34vw,380px)}
.chart-legend p{
  font-size:.92rem;line-height:1.7;color:var(--ink-soft);padding-left:20px;
  border-left:1px solid var(--line-gold);
}
.chart-legend strong{color:var(--navy-800)}

/* ==========================================================================
   ÉTAPES
   ========================================================================== */
.steps{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:clamp(20px,2.6vw,34px);
  position:relative;
}
.step{
  position:relative;padding:clamp(22px,2.4vw,30px) clamp(20px,2.2vw,28px) clamp(24px,2.6vw,32px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  transition:transform .55s var(--ease-out), box-shadow .5s var(--ease), border-color .4s var(--ease);
}
.step::after{
  content:"";position:absolute;left:0;top:0;width:100%;height:2px;border-radius:2px 2px 0 0;
  background:linear-gradient(90deg,var(--gold-500),var(--gold-300));
  transform:scaleX(0);transform-origin:left;transition:transform .6s var(--ease-out);
}
.step:hover{transform:translateY(-5px);box-shadow:var(--shadow-m);border-color:var(--line-gold)}
.step:hover::after{transform:scaleX(1)}
.step-num{
  display:block;font-family:var(--font-display);font-size:2.1rem;font-weight:600;line-height:1;
  color:transparent;-webkit-text-stroke:1px var(--gold-500);opacity:.55;margin-bottom:14px;
  transition:opacity .4s var(--ease);
}
.step:hover .step-num{opacity:1}
.step h3{font-size:1.1rem;margin-bottom:8px}
.step p{font-size:.9rem;line-height:1.66;color:var(--ink-soft)}

/* ==========================================================================
   RISQUES
   ========================================================================== */
.warning-banner{
  display:flex;gap:16px;align-items:flex-start;
  padding:20px 24px;margin-bottom:clamp(44px,5vw,64px);
  border:1px solid rgba(201,162,39,.4);border-left:2px solid var(--gold-500);
  border-radius:var(--radius);background:rgba(201,162,39,.08);
}
.warning-banner .ico{color:var(--gold-400);margin-top:1px}
.warning-banner p{font-size:.94rem;line-height:1.65;color:rgba(238,244,249,.78)}
.warning-banner strong{color:var(--gold-300)}

.risk-list{display:grid;gap:10px}
.risk{
  border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);
  background:rgba(255,255,255,.028);
  transition:border-color .4s var(--ease), background .4s var(--ease);
  overflow:hidden;
}
.risk:hover{border-color:rgba(201,162,39,.32);background:rgba(255,255,255,.05)}
.risk summary{
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  padding:20px clamp(18px,2vw,26px);cursor:pointer;list-style:none;
  font-family:var(--font-body);font-size:.98rem;font-weight:600;color:var(--white);
  transition:color .3s var(--ease);
}
.risk summary::-webkit-details-marker{display:none}
.risk summary .ico{
  color:var(--gold-400);width:18px;height:18px;flex:none;
  transition:transform .45s var(--ease-out);
}
.risk[open] summary .ico{transform:rotate(135deg)}
.risk[open]{border-color:rgba(201,162,39,.4);background:rgba(201,162,39,.05)}
.risk p{
  padding:0 clamp(18px,2vw,26px) 22px;
  font-size:.93rem;line-height:1.72;color:rgba(238,244,249,.68);
}

/* ==========================================================================
   SIMULATEUR
   ========================================================================== */
.sim-grid{
  display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);
  gap:clamp(20px,2.6vw,32px);align-items:start;
  max-width:1040px;margin-inline:auto;
}
.sim-form{
  padding:clamp(24px,3vw,38px);
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-s);
}
.field{margin-bottom:22px}
.field:last-child{margin-bottom:0}
.field label{
  display:flex;align-items:baseline;justify-content:space-between;gap:12px;
  font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  color:var(--ink-mute);margin-bottom:10px;
}
.field label output{
  font-family:var(--font-display);font-size:1.28rem;font-weight:600;color:var(--navy-800);
  letter-spacing:0;text-transform:none;
}
input[type="text"],input[type="email"],input[type="tel"],input[type="number"],select,textarea{
  width:100%;padding:13px 15px;
  font-family:var(--font-body);font-size:.95rem;color:var(--ink);
  background:var(--white);border:1px solid rgba(12,26,40,.16);border-radius:var(--radius);
  transition:border-color .3s var(--ease), box-shadow .3s var(--ease), background .3s var(--ease);
  appearance:none;
}
textarea{resize:vertical;min-height:104px;line-height:1.6}
select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236B7A88' stroke-width='1.8' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:17px;
  padding-right:42px;cursor:pointer;
}
input:hover,select:hover,textarea:hover{border-color:rgba(12,26,40,.3)}
input:focus,select:focus,textarea:focus{
  outline:none;border-color:var(--gold-500);
  box-shadow:0 0 0 3px rgba(201,162,39,.16);
}
input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#B4453C;background:#FDF6F5}

input[type="range"]{
  -webkit-appearance:none;appearance:none;width:100%;height:24px;background:transparent;cursor:pointer;margin:4px 0 12px;
}
input[type="range"]::-webkit-slider-runnable-track{
  height:3px;border-radius:3px;
  background:linear-gradient(90deg,var(--gold-500) var(--fill,20%), rgba(12,26,40,.12) var(--fill,20%));
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:20px;height:20px;margin-top:-8.5px;
  border-radius:50%;background:var(--navy-800);border:3px solid var(--gold-400);
  box-shadow:0 4px 14px -4px rgba(6,19,32,.5);
  transition:transform .25s var(--ease), box-shadow .25s var(--ease);
}
input[type="range"]:hover::-webkit-slider-thumb{transform:scale(1.12);box-shadow:0 0 0 7px rgba(201,162,39,.16)}
input[type="range"]::-moz-range-track{height:3px;border-radius:3px;background:rgba(12,26,40,.12)}
input[type="range"]::-moz-range-progress{height:3px;border-radius:3px;background:var(--gold-500)}
input[type="range"]::-moz-range-thumb{
  width:16px;height:16px;border-radius:50%;background:var(--navy-800);
  border:3px solid var(--gold-400);cursor:pointer;
}
.hint{font-size:11.5px;color:var(--ink-mute);margin-top:6px}

.seg{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.seg-btn{
  padding:12px 6px;border:1px solid rgba(12,26,40,.14);border-radius:var(--radius);
  background:var(--white);cursor:pointer;
  font-size:13px;font-weight:600;color:var(--ink-soft);
  transition:background .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease), transform .3s var(--ease);
}
.seg-btn span{font-size:10.5px;font-weight:500;text-transform:uppercase;letter-spacing:.06em;opacity:.7}
.seg-btn:hover{border-color:var(--gold-500);color:var(--navy-800);transform:translateY(-1px)}
.seg-btn.is-active{background:var(--navy-800);border-color:var(--navy-800);color:var(--white)}
.sim-disclaimer{font-size:11px;line-height:1.6;color:var(--ink-mute);margin-top:18px}

.sim-result{
  padding:clamp(26px,3vw,38px);
  background:linear-gradient(165deg,#0E273D,#061320 72%);
  border:1px solid rgba(201,162,39,.28);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-m);color:var(--white);
  position:relative;overflow:hidden;
}
.sim-result::after{
  content:"";position:absolute;top:-40%;right:-30%;width:70%;height:120%;
  background:radial-gradient(circle,rgba(201,162,39,.16),transparent 70%);
  pointer-events:none;
}
.sim-result-label{
  font-size:10.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
  color:rgba(238,244,249,.5);margin-bottom:10px;
}
.sim-interest{
  font-family:var(--font-display);font-size:clamp(2.4rem,4.6vw,3.4rem);font-weight:600;line-height:1;
  letter-spacing:-.03em;
  background:linear-gradient(120deg,#FBEED0,var(--gold-400) 50%,var(--gold-600));
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
  margin-bottom:26px;
}
.sim-lines{display:grid;gap:0}
.sim-lines > div{
  display:flex;justify-content:space-between;align-items:baseline;gap:16px;
  padding:11px 0;border-bottom:1px solid rgba(255,255,255,.08);
  font-size:12.5px;color:rgba(238,244,249,.55);
}
.sim-lines strong{font-size:14px;font-weight:600;color:var(--white);font-variant-numeric:tabular-nums}
.sim-foot{
  margin:20px 0 24px;font-size:11.5px;line-height:1.6;color:rgba(238,244,249,.45);
  padding-top:16px;border-top:1px solid rgba(255,255,255,.08);
}

/* ==========================================================================
   EXPERTISE
   ========================================================================== */
.pillars{display:grid;gap:2px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden}
.pillar{
  display:flex;gap:18px;align-items:flex-start;
  padding:clamp(20px,2.4vw,28px);background:var(--white);
  transition:background .4s var(--ease);
}
.pillar:hover{background:var(--ivory)}
.pillar .ico{color:var(--gold-600);width:26px;height:26px;padding:2px;margin-top:2px}
.pillar h3{font-size:1.1rem;margin-bottom:6px}
.pillar p{font-size:.9rem;line-height:1.62;color:var(--ink-soft)}
.pillar-note{padding:clamp(22px,2.6vw,30px);background:var(--ivory);display:grid;gap:14px;justify-items:start}
.pillar-note p{font-size:.92rem;line-height:1.65;color:var(--ink-soft)}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-list{max-width:900px;margin-inline:auto;display:grid;gap:2px;border-top:1px solid var(--line)}
.faq{border-bottom:1px solid var(--line);transition:background .35s var(--ease)}
.faq summary{
  display:flex;align-items:center;justify-content:space-between;gap:20px;
  padding:22px 4px;cursor:pointer;list-style:none;
  font-family:var(--font-body);font-size:1rem;font-weight:600;color:var(--navy-800);
  transition:color .3s var(--ease);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ico{color:var(--gold-600);width:19px;height:19px;flex:none;transition:transform .45s var(--ease-out)}
.faq summary:hover{color:var(--gold-600)}
.faq[open] summary{color:var(--gold-600)}
.faq[open] summary .ico{transform:rotate(135deg)}
.faq p{padding:0 4px 24px;font-size:.94rem;line-height:1.75;color:var(--ink-soft);max-width:74ch}

/* ==========================================================================
   CONTACT
   ========================================================================== */
.contact-grid{
  display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);
  gap:clamp(32px,4.6vw,72px);align-items:start;
}
.contact-intro h2{font-size:clamp(1.85rem,3.2vw,2.7rem);line-height:1.08;color:var(--white)}
.contact-intro .section-sub{color:rgba(238,244,249,.62)}
.contact-list{display:grid;gap:14px;margin-top:28px}
.contact-list li{display:flex;gap:13px;align-items:center;font-size:.93rem;color:rgba(238,244,249,.7)}
.contact-list .ico{color:var(--gold-400);width:18px;height:18px}
.contact-mail{
  color:var(--gold-300);font-weight:500;letter-spacing:.01em;
  border-bottom:1px solid transparent;
  transition:color .3s var(--ease), border-color .3s var(--ease);
}
.contact-mail:hover{color:var(--white);border-bottom-color:var(--gold-400)}
.contact-ticket{
  display:inline-flex;flex-direction:column;gap:2px;margin-top:34px;
  padding:16px 26px;border:1px solid rgba(201,162,39,.35);border-radius:var(--radius);
  background:rgba(201,162,39,.06);
}
.contact-ticket span{
  font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:rgba(238,244,249,.5);
}
.contact-ticket strong{
  font-family:var(--font-display);font-size:1.7rem;font-weight:600;color:var(--gold-300);letter-spacing:-.01em;
}

.form-card{
  padding:clamp(24px,3vw,40px);
  background:var(--white);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-l);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field-error{
  display:block;font-size:11.5px;color:#B4453C;margin-top:5px;min-height:0;
}
.check{display:flex;gap:11px;align-items:flex-start;cursor:pointer;text-transform:none;letter-spacing:0;font-size:.86rem;font-weight:400;color:var(--ink-soft);line-height:1.55}
.check input{
  width:18px;height:18px;flex:none;margin-top:2px;padding:0;accent-color:var(--gold-500);
  border:1px solid rgba(12,26,40,.3);border-radius:3px;cursor:pointer;
}
.field-check{margin-bottom:20px}
.form-legal{font-size:10.5px;line-height:1.6;color:var(--ink-mute);margin-top:14px}
.form-legal a{
  color:var(--gold-600);font-weight:600;
  border-bottom:1px solid var(--line-gold);
  transition:color .25s var(--ease), border-color .25s var(--ease);
}
.form-legal a:hover{color:var(--navy-800);border-bottom-color:var(--gold-500)}
.form-status{margin-top:14px;font-size:.88rem;font-weight:500;line-height:1.55;display:none}
.form-status.is-success{
  display:block;padding:14px 16px;border-radius:var(--radius);
  background:rgba(38,120,80,.08);border-left:2px solid #26774F;color:#1E6142;
}
.form-status.is-error{
  display:block;padding:14px 16px;border-radius:var(--radius);
  background:rgba(180,69,60,.07);border-left:2px solid #B4453C;color:#8F342C;
}
#submitBtn[disabled]{opacity:.62;cursor:wait;transform:none}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer{
  background:var(--navy-900);color:rgba(238,244,249,.6);
  padding-top:clamp(48px,6vw,76px);padding-bottom:32px;
  border-top:1px solid rgba(201,162,39,.2);
}
.footer-grid{
  display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,.7fr) minmax(0,.7fr);
  gap:clamp(28px,4vw,64px);padding-bottom:clamp(34px,4vw,52px);
}
.site-footer h3{
  font-family:var(--font-body);font-size:11px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--gold-400);margin-bottom:16px;
}
.footer-p{font-size:.88rem;line-height:1.7;margin-top:20px;max-width:44ch;color:rgba(238,244,249,.52)}
.footer-links{display:grid;gap:10px}
.footer-links a{font-size:.88rem;color:rgba(238,244,249,.66);transition:color .3s var(--ease), padding-left .3s var(--ease)}
.footer-links a:hover{color:var(--gold-300);padding-left:4px}
.lang-switch-footer{margin-top:20px;border-color:rgba(255,255,255,.14)}
.footer-legal{
  padding-top:26px;border-top:1px solid rgba(255,255,255,.08);
}
.footer-legal p{font-size:11px;line-height:1.7;color:rgba(238,244,249,.36);max-width:110ch}

/* ==========================================================================
   ANIMATIONS (révélation au scroll, parallaxe, compteurs)
   ========================================================================== */
html.js .reveal{
  opacity:0;transform:translate3d(0,26px,0);
  transition:opacity .9s var(--ease-out), transform .9s var(--ease-out);
  transition-delay:var(--reveal-delay,0ms);
}
html.js .reveal.is-visible{opacity:1;transform:none}

html.js .hero-copy{animation:heroIn 1.1s var(--ease-out) both}
html.js .hero-card{animation:heroIn 1.1s .16s var(--ease-out) both}
@keyframes heroIn{
  from{opacity:0;transform:translate3d(0,30px,0)}
  to{opacity:1;transform:none}
}

/* Barre de progression de lecture */
.scroll-progress{
  position:fixed;top:0;left:0;height:2px;width:100%;z-index:120;
  transform:scaleX(0);transform-origin:left;
  background:linear-gradient(90deg,var(--gold-600),var(--gold-300));
  pointer-events:none;
}

@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{
    animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important;
  }
  html.js .reveal{opacity:1;transform:none}
}

/* ==========================================================================
   PAGE LÉGALE (politique de confidentialité)
   ========================================================================== */
.legal-body{background:var(--white)}

.legal-main{
  padding-top:calc(84px + clamp(40px,6vw,76px));
  padding-bottom:clamp(56px,7vw,96px);
}
.legal-container{max-width:820px}

.legal-kicker{
  font-size:11px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;
  color:var(--gold-600);margin-bottom:14px;
}
.legal-container h1{
  font-size:clamp(2rem,4.2vw,3rem);line-height:1.06;letter-spacing:-.025em;
  color:var(--navy-800);
}
.legal-updated{
  margin-top:14px;font-size:12px;letter-spacing:.06em;text-transform:uppercase;
  color:var(--ink-mute);
}
.legal-lead{
  margin-top:26px;padding-bottom:26px;border-bottom:1px solid var(--line);
  font-size:1.02rem;line-height:1.75;color:var(--ink-soft);
}

.legal-toc{
  margin-top:32px;padding:clamp(22px,2.6vw,30px);
  background:var(--ivory);border:1px solid var(--line);border-radius:var(--radius-lg);
}
.legal-toc h2{
  font-family:var(--font-body);font-size:11px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--gold-600);margin-bottom:16px;
}
.legal-toc ol{
  list-style:none;counter-reset:toc;display:grid;gap:9px;
  grid-template-columns:repeat(2,minmax(0,1fr));
  column-gap:28px;
}
.legal-toc li{counter-increment:toc;display:flex;gap:10px;align-items:baseline}
.legal-toc li::before{
  content:counter(toc,decimal-leading-zero);
  font-size:10.5px;font-weight:600;color:var(--gold-500);font-variant-numeric:tabular-nums;
  flex:none;
}
.legal-toc a{
  font-size:.9rem;color:var(--ink-soft);line-height:1.5;
  border-bottom:1px solid transparent;transition:color .25s var(--ease), border-color .25s var(--ease);
}
.legal-toc a:hover{color:var(--navy-800);border-bottom-color:var(--gold-400)}

.legal-section{margin-top:clamp(38px,4.4vw,54px);scroll-margin-top:100px}
.legal-section h2{
  font-size:clamp(1.25rem,2.2vw,1.55rem);line-height:1.2;letter-spacing:-.015em;
  color:var(--navy-800);margin-bottom:16px;
  padding-bottom:12px;border-bottom:1px solid var(--line);
}
.legal-section p{
  margin-top:14px;font-size:.96rem;line-height:1.78;color:var(--ink-soft);
}
.legal-section p:first-of-type{margin-top:0}
.legal-section a{
  color:var(--gold-600);border-bottom:1px solid var(--line-gold);
  transition:color .25s var(--ease), border-color .25s var(--ease);
}
.legal-section a:hover{color:var(--navy-800);border-bottom-color:var(--gold-500)}

.legal-list{margin-top:16px;display:grid;gap:9px;padding-left:0}
.legal-list li{
  position:relative;padding-left:20px;
  font-size:.94rem;line-height:1.7;color:var(--ink-soft);
}
.legal-list li::before{
  content:"";position:absolute;left:2px;top:.62em;width:6px;height:6px;
  border-radius:50%;background:var(--gold-500);opacity:.85;
}
.legal-list strong{color:var(--navy-800);font-weight:600}

.legal-table-wrap{
  margin-top:20px;overflow-x:auto;
  border:1px solid var(--line);border-radius:var(--radius-lg);
  -webkit-overflow-scrolling:touch;
}
.legal-table{
  width:100%;border-collapse:collapse;min-width:520px;
  font-size:.9rem;
}
.legal-table th{
  text-align:left;padding:13px 16px;
  background:var(--ivory);border-bottom:1px solid var(--line);
  font-family:var(--font-body);font-size:10.5px;font-weight:600;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold-600);
}
.legal-table td{
  padding:14px 16px;border-bottom:1px solid var(--line);
  line-height:1.65;color:var(--ink-soft);vertical-align:top;
}
.legal-table tbody tr:last-child td{border-bottom:0}
.legal-table td:first-child{width:46%}

.legal-back{margin-top:clamp(40px,5vw,60px);padding-top:28px;border-top:1px solid var(--line)}

.legal-body .site-footer{padding-top:0;padding-bottom:44px}

@media (max-width:700px){
  .legal-toc ol{grid-template-columns:1fr}
  .legal-container h1{font-size:1.9rem}
  .legal-section p,.legal-list li{font-size:.93rem}
}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width:1080px){
  .main-nav{gap:16px}
  .main-nav ul a{padding:10px 8px;font-size:12.5px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:940px){
  .hero-inner{grid-template-columns:1fr}
  .hero h1{max-width:none}
  .hero-card{max-width:540px}
  .split,.split-reverse,.contact-grid,.sim-grid,.chart-wrap{grid-template-columns:1fr}
  .spec-card{position:static}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(2,1fr);gap:26px}
  .footer-grid{grid-template-columns:1fr 1fr}
}

@media (max-width:840px){
  .burger{display:block}
  .main-nav{
    position:fixed;inset:0 0 auto 0;margin:0;
    padding:calc(84px + 24px) var(--gutter) 40px;
    flex-direction:column;align-items:stretch;gap:0;
    background:rgba(6,19,32,.98);
    -webkit-backdrop-filter:blur(24px);backdrop-filter:blur(24px);
    border-bottom:1px solid rgba(201,162,39,.24);
    transform:translateY(-102%);visibility:hidden;
    transition:transform .6s var(--ease-out), visibility .6s;
    max-height:100vh;overflow-y:auto;
  }
  .site-header.is-open .main-nav{transform:translateY(0);visibility:visible}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0}
  .main-nav ul li{border-bottom:1px solid rgba(255,255,255,.07)}
  .main-nav ul a{display:block;padding:16px 4px;font-size:15px;letter-spacing:.01em}
  .main-nav ul a::after{display:none}
  .nav-cta{margin-top:24px;width:100%}
  .header-inner{gap:12px}
  .header-tools{margin-left:auto}
  .brand-name,.brand-sub{font-size:11px}
  .brand-sub{letter-spacing:.34em}
}

@media (max-width:640px){
  .grid-4,.grid-3,.steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr;gap:22px}
  .stat-num{font-size:1.65rem}
  .footer-grid{grid-template-columns:1fr}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .btn{width:100%}
  .seg{grid-template-columns:repeat(2,1fr)}
  .chart-box{height:300px}
  .section-head{margin-bottom:34px}
  .hero-card-list li{gap:11px}
  .lang-switch{gap:0}
  .lang-btn{padding:6px 9px;font-size:10px}
}