:root {
  --primary:        #1c2541;
  --primary-dark:   #11162b;
  --primary-darker: #0d1020;
  --primary-light:  #eef0f8;
  --primary-mid:    #d0d5e8;
  --accent:         #c98a3e;
  --accent-dark:    #a86f2c;
  --success:        #10b981;
  --text:           #1c1f2a;
  --text-med:       #334155;
  --text-light:     #64748b;
  --text-xlight:    #94a3b8;
  --bg:             #f7f6f3;
  --bg-dark:        #efeee9;
  --white:          #ffffff;
  --border:         #e7e3da;
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow:     0 4px 16px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.04);
  --shadow-lg:  0 20px 48px rgba(0,0,0,0.10), 0 8px 16px rgba(0,0,0,0.06);
  --shadow-blue: 0 8px 32px rgba(28,37,65,0.28);
  --radius:    12px;
  --radius-lg: 20px;
  --radius-xl: 32px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Work Sans', system-ui, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4 { font-family: 'Manrope', sans-serif; line-height: 1.2; }
img { max-width: 100%; }
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ===== HEADER ===== */
header {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 72px;
  max-width: 1200px;
  margin: 0 auto;
}
.logo {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
  font-family: 'Manrope', sans-serif;
  font-weight: 800;
  font-size: 1.45rem;
  color: var(--primary);
  letter-spacing: -0.3px;
  line-height: 1;
}
.logo-mark { flex-shrink: 0; display: block; }
.logo-text { display: inline-flex; align-items: center; gap: 0; }
.logo-text span { color: var(--accent); font-weight: 700; letter-spacing: 0.04em; font-size: 0.88em; }
nav { display: flex; gap: 8px; align-items: center; }
nav a {
  color: var(--text-med);
  font-weight: 500;
  font-size: 0.85rem;
  padding: 8px 10px;
  border-radius: 8px;
  transition: all 0.2s;
  white-space: nowrap;
}
nav a:hover { color: var(--primary); background: var(--primary-light); text-decoration: none; }
.btn-nav {
  background: var(--primary) !important;
  color: var(--white) !important;
  padding: 10px 22px !important;
  border-radius: 10px !important;
  font-weight: 600 !important;
  font-size: 0.9rem !important;
  box-shadow: var(--shadow-blue);
  transition: all 0.2s !important;
}
.btn-nav:hover {
  background: var(--primary-dark) !important;
  transform: translateY(-1px);
  box-shadow: 0 12px 36px rgba(28,37,65,0.35) !important;
  text-decoration: none !important;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  font-family: 'Work Sans', sans-serif;
  cursor: pointer;
  transition: all 0.25s;
  text-align: center;
  border: none;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: var(--white);
  box-shadow: var(--shadow-blue);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(28,37,65,0.35);
  color: var(--white);
  text-decoration: none;
}
.btn-secondary {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--white);
  box-shadow: 0 8px 24px rgba(201,138,62,0.30);
}
.btn-secondary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(201,138,62,0.40);
  color: var(--white);
  text-decoration: none;
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: var(--white); text-decoration: none; }
.btn-lg { padding: 16px 44px; font-size: 1.05rem; border-radius: 14px; }

/* ===== HERO ===== */
.hero {
  background:
    radial-gradient(ellipse at 15% 60%, rgba(28,37,65,0.50) 0%, transparent 55%),
    radial-gradient(ellipse at 85% 15%, rgba(44,58,99,0.35) 0%, transparent 50%),
    radial-gradient(ellipse at 60% 90%, rgba(201,138,62,0.12) 0%, transparent 40%),
    linear-gradient(135deg, #060a15 0%, #11162b 55%, #1c2541 100%);
  color: var(--white);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}
.hero h1 {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero h1 span { color: #e3b04b; }
.hero p { font-size: 1.1rem; opacity: 0.88; margin-bottom: 36px; line-height: 1.7; }
.hero-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 28px; }
.badge {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(8px);
  padding: 7px 16px;
  border-radius: 24px;
  font-size: 0.82rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}
.badge-rate {
  background: rgba(227,176,75,0.18);
  border-color: rgba(227,176,75,0.5);
  color: #e3b04b;
  font-weight: 700;
}

/* ===== HERO CARD ===== */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(255,255,255,0.1);
}
.sim-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 22px;
}
.sim-header h3 { font-size: 1rem; font-weight: 700; color: var(--text); margin-bottom: 3px; }
.sim-header p { font-size: 0.75rem; color: var(--text-light); margin: 0; }
.sim-rate-badge {
  background: var(--primary-light);
  color: var(--primary-dark);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 20px;
  border: 1px solid var(--primary-mid);
  white-space: nowrap;
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.sim-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 18px;
}
.sim-field label {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 7px;
}
.sim-input-wrap {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.sim-input-wrap:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(28,37,65,0.08);
}
.sim-input-wrap.error { border-color: #ef4444; box-shadow: 0 0 0 3px rgba(239,68,68,0.1); }
.sim-input-wrap input {
  border: none !important;
  box-shadow: none !important;
  padding: 11px 12px;
  font-size: 0.92rem;
  width: 100%;
  outline: none;
  background: #fff;
  color: var(--text);
  font-family: 'Work Sans', sans-serif;
}
.sim-input-suffix {
  padding: 0 13px;
  font-size: 0.85rem;
  font-weight: 700;
  color: #94a3b8;
  background: #f8fafc;
  display: flex;
  align-items: center;
  border-left: 1.5px solid var(--border);
  flex-shrink: 0;
}
.sim-field select {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 11px 32px 11px 12px;
  font-size: 0.88rem;
  color: var(--text);
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E") no-repeat right 12px center;
  -webkit-appearance: none;
  appearance: none;
  outline: none;
  font-family: 'Work Sans', sans-serif;
  transition: border-color 0.2s, box-shadow 0.2s;
  cursor: pointer;
}
.sim-field select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(28,37,65,0.08); }
.sim-field small { display: block; margin-top: 5px; font-size: 0.68rem; color: #94a3b8; }
.sim-btn { width: 100%; margin-top: 16px; display: block; text-align: center; }

.sim-result {
  background: var(--primary-light);
  border: 1.5px solid var(--primary-mid);
  border-radius: 12px;
  padding: 20px 16px 16px;
  text-align: center;
}
.sim-monthly-value {
  font-family: 'Manrope', sans-serif;
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  letter-spacing: -1px;
}
.sim-monthly-label { font-size: 0.75rem; color: #64748b; margin-top: 4px; margin-bottom: 16px; font-weight: 500; }
.sim-totals { display: flex; border-radius: 8px; overflow: hidden; border: 1px solid var(--primary-mid); }
.sim-totals > div { flex: 1; background: rgba(255,255,255,0.75); padding: 10px 8px; display: flex; flex-direction: column; gap: 2px; }
.sim-totals > div:first-child { border-right: 1px solid var(--primary-mid); }
.sim-totals span { font-size: 0.65rem; color: #94a3b8; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.sim-totals strong { font-size: 0.88rem; color: #1e293b; font-weight: 700; }

/* ===== FORM FIELDS (shared) ===== */
.form-group { margin-bottom: 16px; }
.date-fields { display: grid; grid-template-columns: 72px 72px 1fr; gap: 8px; }
.date-fields input { text-align: center; padding: 10px 8px; }
.date-fields input::-webkit-inner-spin-button,
.date-fields input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.date-fields input[type=number] { -moz-appearance: textfield; }
.form-group label {
  display: block;
  font-size: 0.78rem;
  color: var(--text-med);
  font-weight: 700;
  margin-bottom: 7px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}
.form-group label .req { color: #ef4444; }
.form-group select,
.form-group input[type="number"],
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="date"],
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  font-family: 'Work Sans', sans-serif;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group select:focus,
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(28,37,65,0.10);
}
.form-group.error input,
.form-group.error select,
.form-group.error textarea { border-color: #ef4444; box-shadow: 0 0 0 3px rgba(239,68,68,0.1); }
.error-msg { color: #ef4444; font-size: 0.78rem; margin-top: 5px; display: none; font-weight: 500; }
.form-group.error .error-msg { display: block; }
.checkbox-group { display: flex; align-items: flex-start; gap: 12px; }
.checkbox-group input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; cursor: pointer; accent-color: var(--primary); }
.checkbox-group label { font-size: 0.88rem; color: var(--text-light); cursor: pointer; line-height: 1.55; text-transform: none; letter-spacing: 0; font-weight: 400; }

/* ===== SECTIONS ===== */
section { padding: 88px 0; }
.section-title { text-align: center; margin-bottom: 56px; }
.section-title h2 { font-size: 2.1rem; font-weight: 700; color: var(--text); margin-bottom: 14px; letter-spacing: -0.3px; }
.section-title p { color: var(--text-light); font-size: 1.05rem; max-width: 560px; margin: 0 auto; line-height: 1.7; }
.bg-light { background: var(--bg); }

/* ===== CREDITS SHOWCASE ===== */
.credits-showcase { background: #fff; padding: 80px 0; }
.cred-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 24px rgba(0,0,0,0.06);
}
.cred-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 18px 18px 16px;
  background: #fff;
  text-decoration: none;
  border-left: 3px solid transparent;
  border-bottom: 1px solid #f1f5f9;
  transition: background 0.2s, border-left-color 0.2s;
  min-width: 0;
}
.cred-item:nth-child(odd) { border-right: 1px solid #f1f5f9; }
.cred-item:nth-last-child(-n+2) { border-bottom: none; }
.cred-item:hover { background: #fdf8f2; border-left-color: var(--accent); }
.cred-num { font-size: 0.6rem; font-weight: 700; color: #cbd5e1; letter-spacing: 0.04em; font-family: 'Manrope', sans-serif; min-width: 16px; flex-shrink: 0; }
.cred-ico { font-size: 1.25rem; flex-shrink: 0; line-height: 1; }
.cred-body { flex: 1; min-width: 0; overflow: hidden; }
.cred-body strong { display: block; font-size: 0.88rem; font-weight: 700; color: #1e293b; margin-bottom: 2px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.cred-body span { font-size: 0.75rem; color: #64748b; line-height: 1.4; display: block; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.cred-right { display: flex; align-items: center; gap: 8px; flex-shrink: 0; padding-left: 8px; }
.cred-amount { font-size: 0.72rem; font-weight: 700; color: var(--primary); white-space: nowrap; }
.cred-arrow { font-size: 0.85rem; color: #cbd5e1; transition: transform 0.2s, color 0.2s; flex-shrink: 0; }
.cred-item:hover .cred-arrow { transform: translateX(4px); color: var(--accent); }
.cred-item:hover .cred-amount { color: var(--accent); }

/* ===== STEPS ===== */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 40px; }
.step { text-align: center; }
.step-number {
  width: 68px; height: 68px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; font-weight: 800;
  font-family: 'Manrope', sans-serif;
  margin: 0 auto 20px;
  box-shadow: var(--shadow-blue);
}
.step h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; color: var(--text); }
.step p { color: var(--text-light); font-size: 0.9rem; line-height: 1.6; }

/* ===== STATS ===== */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 24px; }
.stat { text-align: center; padding: 24px; }
.stat-anim { opacity: 0; transform: translateY(32px); transition: opacity 0.6s ease, transform 0.6s ease; }
.stat-anim.visible { opacity: 1; transform: translateY(0); }
.stat-anim:nth-child(1) { transition-delay: 0s; }
.stat-anim:nth-child(2) { transition-delay: 0.12s; }
.stat-anim:nth-child(3) { transition-delay: 0.24s; }
.stat-anim:nth-child(4) { transition-delay: 0.36s; }
.stat-anim:nth-child(5) { transition-delay: 0.48s; }
.stat-number { font-family: 'Manrope', sans-serif; font-size: 2.8rem; font-weight: 800; color: var(--primary); line-height: 1; margin-bottom: 8px; }
.stat-label { color: var(--text-light); font-size: 0.92rem; font-weight: 500; }
.bg-primary-section {
  background: linear-gradient(135deg, #060a15 0%, #11162b 60%, #1c2541 100%);
  position: relative; overflow: hidden;
}
.bg-primary-section::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,0.03) 1px, transparent 1px); background-size: 28px 28px; }
.bg-primary-section .stat-number { color: #e3b04b; }
.bg-primary-section .stat-label { color: rgba(255,255,255,0.7); }
.bg-primary-section .section-title h2 { color: var(--white); }
.bg-primary-section .section-title p { color: rgba(255,255,255,0.72); }
.bg-primary-section .stat { position: relative; z-index: 1; }
.bg-primary-section .section-title { position: relative; z-index: 1; }

/* ===== TÉMOIGNAGES ===== */
.testi-counter { display: flex; align-items: center; justify-content: center; margin-bottom: 48px; background: white; border: 1px solid var(--border); border-radius: 14px; padding: 20px 0; box-shadow: 0 2px 12px rgba(0,0,0,0.05); flex-wrap: wrap; }
.testi-counter-item { flex: 1; min-width: 140px; text-align: center; padding: 8px 24px; }
.testi-counter-stars { display: block; color: var(--accent); font-size: 1.3rem; letter-spacing: 3px; margin-bottom: 6px; }
.testi-counter-num { display: block; font-family: 'Manrope', sans-serif; font-size: 1.8rem; font-weight: 800; color: var(--primary); line-height: 1; margin-bottom: 6px; }
.testi-counter-label { display: block; font-size: 0.78rem; font-weight: 600; color: #64748b; text-transform: uppercase; letter-spacing: 0.06em; }
.testi-counter-sep { width: 1px; height: 48px; background: var(--border); flex-shrink: 0; }
.reviews-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.review-card { background: white; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; box-shadow: var(--shadow-sm); transition: box-shadow 0.2s, transform 0.2s; }
.review-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.review-header { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px; }
.reviewer-avatar { width: 42px; height: 42px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: white; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.9rem; flex-shrink: 0; }
.reviewer-info { flex: 1; }
.reviewer-name { font-weight: 700; font-size: 0.95rem; color: var(--text); }
.reviewer-date { font-size: 0.78rem; color: var(--text-light); margin-top: 1px; }
.review-stars { color: var(--accent); font-size: 0.95rem; margin-top: 3px; letter-spacing: 1px; }
.review-text { color: var(--text-light); font-size: 0.9rem; line-height: 1.7; }
.testi-category { margin-top: 14px; }
.testi-cat-badge { background: var(--primary-light); color: var(--primary-dark); border-radius: 20px; padding: 3px 10px; font-weight: 600; font-size: 0.72rem; }
@media (max-width: 640px) { .testi-counter { flex-direction: column; } .testi-counter-sep { width: 80%; height: 1px; } }

/* ===== LEGAL WARNING ===== */
.legal-warning {
  background: #fdf8f2;
  border: 1px solid #e8d0b0;
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 0.85rem;
  color: #5a3a18;
  line-height: 1.6;
}
.legal-warning strong { display: block; margin-bottom: 4px; font-size: 0.9rem; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--white);
  padding: 88px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,0.06) 1px, transparent 1px); background-size: 24px 24px; }
.cta-section > * { position: relative; z-index: 1; }
.cta-section h2 { font-size: 2.1rem; font-weight: 800; margin-bottom: 16px; letter-spacing: -0.3px; }
.cta-section p { font-size: 1.05rem; opacity: 0.92; margin-bottom: 36px; max-width: 500px; margin-left: auto; margin-right: auto; }
.btn-white {
  background: var(--white);
  color: var(--accent-dark);
  padding: 18px 52px;
  border-radius: 14px;
  font-weight: 700;
  font-size: 1.05rem;
  font-family: 'Work Sans', sans-serif;
  display: inline-block;
  box-shadow: 0 8px 32px rgba(0,0,0,0.15);
  transition: all 0.25s;
}
.btn-white:hover { transform: translateY(-3px); box-shadow: 0 16px 48px rgba(0,0,0,0.2); color: var(--accent-dark); text-decoration: none; }

/* ===== TRUSTMARKS ===== */
.trustmarks { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; justify-content: center; padding: 40px 0 0; }
.trustmark {
  display: flex; align-items: center; gap: 8px;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 12px 20px;
  font-size: 0.85rem; font-weight: 600;
  color: var(--text-med);
  box-shadow: var(--shadow-sm);
  transition: border-color 0.2s, transform 0.2s;
}
.trustmark:hover { border-color: var(--primary-mid); transform: translateY(-2px); }
.trustmark span.icon { font-size: 1.2rem; }

/* ===== ENGAGEMENTS (accueil) ===== */
.engage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}
.engage-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px 20px 22px;
  position: relative;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.engage-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--primary-mid));
  border-radius: 14px 14px 0 0;
}
.engage-card:hover { box-shadow: 0 8px 32px rgba(28,37,65,0.10); transform: translateY(-3px); }
.engage-value {
  font-family: 'Manrope', sans-serif;
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 10px;
}
.engage-title {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}
.engage-desc {
  font-size: 0.82rem;
  color: var(--text-light);
  line-height: 1.65;
}
.engage-faq-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--primary-light);
  border: 1.5px solid var(--primary-mid);
  border-radius: 12px;
  padding: 18px 24px;
  text-decoration: none;
  transition: background 0.2s, border-color 0.2s;
}
.engage-faq-cta:hover { background: #dce5f5; border-color: var(--primary); }
.engage-faq-cta-text { font-size: 0.95rem; font-weight: 600; color: var(--primary); }
.engage-faq-cta-text span { display: block; font-size: 0.8rem; font-weight: 400; color: var(--text-light); margin-top: 2px; }
.engage-faq-cta-arrow { font-size: 1.3rem; color: var(--accent); font-weight: 700; }
@media (max-width: 760px) {
  .engage-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .engage-value { font-size: 2rem; }
}
@media (max-width: 480px) {
  .engage-grid { grid-template-columns: 1fr 1fr; }
}

/* ===== TABLEAU COMPARATIF (accueil) ===== */
.compare-table-wrap {
  overflow-x: auto;
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(28,37,65,0.09);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  min-width: 560px;
}
.compare-table thead tr { border-bottom: 2px solid var(--border); }
.compare-th-crit { width: 38%; padding: 20px 20px; }
.compare-th-bank, .compare-th-apt { width: 31%; padding: 20px 16px; text-align: center; vertical-align: middle; }
.compare-th-apt { background: #f0f4ff; border-left: 2px solid var(--primary-mid); border-right: 2px solid var(--primary-mid); }
.compare-th-inner { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.compare-th-label { font-size: 0.88rem; font-weight: 600; color: var(--text-light); }
.compare-th-logo { font-family: 'Manrope', sans-serif; font-size: 1.05rem; font-weight: 800; color: var(--primary); }
.compare-th-logo span { color: var(--accent); }
.compare-th-badge {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
}
.compare-crit {
  padding: 14px 20px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-med);
}
.compare-bank, .compare-apt {
  padding: 14px 16px;
  text-align: center;
  font-size: 0.84rem;
  vertical-align: middle;
}
.compare-apt {
  background: #f8f9ff;
  border-left: 2px solid var(--primary-mid);
  border-right: 2px solid var(--primary-mid);
}
.compare-row-alt td { background: #fafbff; }
.compare-row-alt .compare-apt { background: #eef2ff; }
.compare-table tbody tr:last-child .compare-apt { border-bottom: 2px solid var(--primary-mid); }
.cmp-yes  { color: #065f46; font-weight: 600; display: inline-flex; align-items: flex-start; gap: 5px; }
.cmp-yes::before  { content: '✓'; color: #059669; font-weight: 800; flex-shrink: 0; margin-top: 1px; }
.cmp-no   { color: #94a3b8; display: inline-flex; align-items: flex-start; gap: 5px; }
.cmp-no::before   { content: '–'; color: #cbd5e1; font-weight: 700; flex-shrink: 0; }
.cmp-neutral { color: #64748b; display: inline-flex; align-items: flex-start; gap: 5px; }
.cmp-neutral::before { content: '~'; color: #94a3b8; font-weight: 700; flex-shrink: 0; }
/* Desktop : tableau visible, liste cachée */
.compare-mobile { display: none; }

/* Mobile : tableau caché, liste visible */
@media (max-width: 640px) {
  .compare-desktop { display: none; }
  .compare-mobile  { display: block; }

  .cmp-mobile-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
  }
  .cmp-mobile-logo {
    font-family: 'Manrope', sans-serif;
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--primary);
  }
  .cmp-mobile-logo span { color: var(--accent); }

  .cmp-mobile-list {
    list-style: none;
    margin: 0;
    padding: 0;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(28,37,65,0.07);
  }
  .cmp-mobile-list li {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 16px 18px;
    border-bottom: 1px solid #f1f5f9;
  }
  .cmp-mobile-list li:last-child { border-bottom: none; }
  .cmp-mobile-list li:nth-child(even) { background: #fafbff; }

  .cmp-mobile-check {
    width: 26px;
    height: 26px;
    background: #dcfce7;
    color: #059669;
    font-size: 0.85rem;
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
  }
  .cmp-mobile-list li div { display: flex; flex-direction: column; gap: 2px; }
  .cmp-mobile-list li strong { font-size: 0.9rem; color: #1e293b; font-weight: 700; }
  .cmp-mobile-list li span  { font-size: 0.78rem; color: var(--text-light); line-height: 1.5; }
}

/* ===== TRUST BAND (formulaire demande) ===== */
.trust-band {
  max-width: 820px;
  margin: 32px auto 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
}
.trust-band-card {
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent);
  border-radius: 10px;
  padding: 18px 12px;
  text-align: center;
}
.trust-band-card .tbc-icon { font-size: 1.8rem; margin-bottom: 8px; }
.trust-band-card .tbc-title { font-weight: 700; font-size: 0.84rem; color: var(--primary); margin-bottom: 4px; }
.trust-band-card .tbc-sub   { font-size: 0.74rem; color: var(--text-light); }
@media (max-width: 600px) {
  .trust-band { grid-template-columns: repeat(2, 1fr); gap: 10px; }
}

/* ===== FOOTER ===== */
.site-footer { background: #050810; color: rgba(255,255,255,0.6); padding: 0; }
.footer-accent-bar { height: 3px; background: linear-gradient(90deg, transparent 0%, #1c2541 20%, #c98a3e 50%, #1c2541 80%, transparent 100%); }
.site-footer > .container { padding-top: 36px; padding-bottom: 0; }
.footer-brand-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 24px; }
.footer-brand-identity { display: flex; align-items: center; gap: 14px; }
.footer-brand-name { display: block; font-family: 'Manrope', sans-serif; font-weight: 800; font-size: 1.3rem; color: #fff; letter-spacing: -0.3px; line-height: 1; }
.footer-brand-name span { color: #c98a3e; }
.footer-brand-tagline { display: block; font-size: 0.75rem; color: rgba(255,255,255,0.62); margin-top: 5px; }
.footer-brand-badges { display: flex; gap: 8px; flex-wrap: wrap; align-items: center; }
.fbadge { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #c98a3e; border: 1px solid rgba(201,138,62,0.4); padding: 4px 10px; border-radius: 3px; background: rgba(201,138,62,0.05); }
.fbadge-ssl { color: rgba(255,255,255,0.75); border-color: rgba(255,255,255,0.22); background: rgba(255,255,255,0.04); letter-spacing: 0.04em; text-transform: none; }
.footer-sep { height: 1px; background: rgba(255,255,255,0.07); margin-bottom: 28px; }
.footer-3col { display: grid; grid-template-columns: 1fr 1.6fr 1fr; gap: 40px; margin-bottom: 28px; }
.footer-col-title { font-family: 'Manrope', sans-serif; font-size: 0.65rem; font-weight: 700; letter-spacing: 0.14em; color: #c98a3e; margin-bottom: 18px; padding-bottom: 10px; border-bottom: 1px solid rgba(201,138,62,0.18); }
.footer-contact-items { display: flex; flex-direction: column; gap: 11px; }
.fci { display: flex; align-items: flex-start; gap: 10px; font-size: 0.81rem; color: rgba(255,255,255,0.75); text-decoration: none; transition: color 0.2s; line-height: 1.5; }
.fci svg { flex-shrink: 0; margin-top: 2px; opacity: 0.75; }
a.fci:hover { color: #fff; }
a.fci:hover svg { opacity: 1; }
.footer-credits-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 20px; }
.footer-credits-2col a { font-size: 0.81rem; color: rgba(255,255,255,0.72); text-decoration: none; padding: 2px 0; border-bottom: 1px solid transparent; transition: color 0.2s, border-color 0.2s; }
.footer-credits-2col a:hover { color: #fff; border-bottom-color: rgba(201,138,62,0.35); text-decoration: none; }
.footer-pages-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 9px 14px; }
.footer-pages-grid a { font-size: 0.81rem; color: rgba(255,255,255,0.72); text-decoration: none; transition: color 0.2s; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.footer-pages-grid a:hover { color: #fff; text-decoration: none; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding: 18px 0 28px; border-top: 1px solid rgba(255,255,255,0.06); font-size: 0.76rem; color: rgba(255,255,255,0.52); gap: 16px; flex-wrap: wrap; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; transition: color 0.2s; }
.footer-bottom a:hover { color: rgba(255,255,255,0.75); text-decoration: none; }

/* ===== COOKIE BANNER ===== */
#cookie-banner { position: fixed; bottom: 20px; left: 20px; right: 20px; max-width: 960px; margin: 0 auto; background: #0c1320; border: 1px solid rgba(255,255,255,0.12); color: var(--white); padding: 24px 28px; z-index: 9999; border-radius: var(--radius-lg); box-shadow: 0 24px 64px rgba(0,0,0,0.3); display: none; }
.cookie-inner { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; }
.cookie-text { flex: 1; min-width: 260px; }
.cookie-text h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 6px; }
.cookie-text p { font-size: 0.82rem; color: rgba(255,255,255,0.62); line-height: 1.5; }
.cookie-text a { color: #c98a3e; }
.cookie-actions { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; flex-shrink: 0; }
.btn-cookie-accept { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: var(--white); padding: 11px 28px; border-radius: var(--radius); border: none; cursor: pointer; font-weight: 700; font-size: 0.88rem; font-family: 'Work Sans', sans-serif; white-space: nowrap; transition: all 0.2s; }
.btn-cookie-accept:hover { transform: translateY(-1px); box-shadow: var(--shadow-blue); }
.btn-cookie-decline { background: transparent; color: rgba(255,255,255,0.7); padding: 11px 20px; border-radius: var(--radius); border: 1px solid rgba(255,255,255,0.2); cursor: pointer; font-size: 0.88rem; font-family: 'Work Sans', sans-serif; white-space: nowrap; transition: border-color 0.2s; }
.btn-cookie-decline:hover { border-color: rgba(255,255,255,0.45); }
.btn-cookie-settings { background: transparent; color: rgba(255,255,255,0.45); padding: 8px; border: none; cursor: pointer; font-size: 0.8rem; text-decoration: underline; font-family: 'Work Sans', sans-serif; }

/* ===== FORMULAIRE DEMANDE ===== */
.form-container { max-width: 820px; margin: 0 auto; background: var(--white); border-radius: var(--radius-xl); padding: 52px; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.form-section-title { font-family: 'Manrope', sans-serif; font-size: 1rem; font-weight: 700; color: var(--primary-dark); border-bottom: 2px solid var(--primary-light); padding-bottom: 12px; margin-bottom: 28px; margin-top: 8px; }
.form-section-subtitle { font-family: 'Manrope', sans-serif; font-size: 0.82rem; font-weight: 700; color: var(--primary); text-transform: uppercase; letter-spacing: 0.08em; padding: 6px 12px; background: var(--primary-light); border-left: 3px solid var(--primary); border-radius: 0 6px 6px 0; margin: 24px 0 16px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }
.success-message { display: none; text-align: center; padding: 48px 24px; }
.success-icon-wrap { display: flex; justify-content: center; margin-bottom: 20px; }
.success-icon-wrap svg { animation: pop-in 0.5s cubic-bezier(0.175,0.885,0.32,1.275) both; }
@keyframes pop-in { from { transform: scale(0.5); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.success-title { font-family: 'Manrope', sans-serif; font-size: 1.65rem; font-weight: 800; color: #065f46; margin-bottom: 8px; }
.success-subtitle { color: var(--text-light); font-size: 1rem; margin-bottom: 28px; }
.success-ref-box { background: linear-gradient(135deg, var(--primary-light), var(--primary-mid)); border: 1.5px solid var(--primary-mid); border-radius: 14px; padding: 20px 28px; display: inline-block; margin: 0 auto 32px; text-align: center; min-width: 260px; }
.success-ref-label { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--primary); margin-bottom: 6px; }
.success-ref-number { font-family: 'Manrope', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--primary-dark); letter-spacing: 0.05em; margin-bottom: 6px; }
.success-ref-hint { font-size: 0.75rem; color: var(--text-light); }
.success-steps { text-align: left; max-width: 480px; margin: 0 auto; display: flex; flex-direction: column; gap: 16px; }
.success-step { display: flex; gap: 14px; align-items: flex-start; background: #f8fafc; border-radius: 10px; padding: 16px; border: 1px solid var(--border); }
.success-step-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.success-step strong { display: block; font-size: 0.95rem; color: var(--text); margin-bottom: 3px; }
.success-step p { font-size: 0.85rem; color: var(--text-light); margin: 0; line-height: 1.5; }

/* ===== PAGE HEADER ===== */
.page-header { background: linear-gradient(135deg, #060a15 0%, #11162b 60%, #1c2541 100%); color: var(--white); padding: 64px 0; text-align: center; position: relative; overflow: hidden; }
.page-header::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,0.035) 1px, transparent 1px); background-size: 28px 28px; }
.page-header > * { position: relative; z-index: 1; }
.page-header h1 { font-size: 2.1rem; font-weight: 800; margin-bottom: 12px; letter-spacing: -0.3px; }
.page-header p { opacity: 0.82; font-size: 1.05rem; max-width: 580px; margin: 0 auto; }

/* ===== LEGAL PAGES ===== */
.legal-content { max-width: 860px; margin: 0 auto; padding: 64px 24px; }
.legal-content h2 { font-family: 'Manrope', sans-serif; font-size: 1.25rem; font-weight: 700; color: var(--primary-dark); margin: 40px 0 14px; padding-bottom: 10px; border-bottom: 2px solid var(--primary-light); }
.legal-content h3 { font-size: 1.02rem; font-weight: 700; margin: 24px 0 10px; color: var(--text); }
.legal-content p { margin-bottom: 14px; color: var(--text-med); font-size: 0.95rem; line-height: 1.75; }
.legal-content ul { margin: 8px 0 18px 24px; }
.legal-content ul li { margin-bottom: 8px; font-size: 0.95rem; color: var(--text-med); line-height: 1.65; }
.legal-table { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); width: 100%; border-collapse: collapse; margin: 18px 0; }
.legal-table tr:nth-child(even) td { background: #f8f8ff; }
.legal-table tr:nth-child(odd) td { background: #ffffff; }
.legal-table th { background: var(--primary-light); font-weight: 700; color: var(--primary-darker); padding: 11px 16px; text-align: left; }
.legal-table td:first-child { color: var(--text); font-weight: 600; width: 38%; }
.legal-table td { border: none; border-bottom: 1px solid var(--border); color: var(--text-med); padding: 11px 16px; }
.legal-table tr:last-child td { border-bottom: none; }
.legal-update { font-size: 0.82rem; color: var(--text-xlight); margin-bottom: 36px; padding: 12px 18px; background: var(--bg); border-radius: var(--radius); border: 1px solid var(--border); }

/* ===== ALERTS ===== */
.alert { padding: 16px 20px; border-radius: var(--radius); margin-bottom: 20px; font-size: 0.92rem; line-height: 1.6; }
.alert-info { background: var(--primary-light); border-left: 4px solid var(--primary); color: var(--primary-darker); }
.alert-warning { background: #fdf8f2; border-left: 4px solid var(--accent); color: #5a3a18; }

/* ===== CONTACT ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: start; }
.contact-item { display: flex; gap: 18px; margin-bottom: 28px; align-items: flex-start; }
.contact-item-icon { width: 50px; height: 50px; background: linear-gradient(135deg, var(--primary-light), var(--primary-mid)); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; flex-shrink: 0; border: 1px solid var(--primary-mid); }
.contact-item h4 { font-weight: 700; margin-bottom: 4px; font-size: 0.95rem; }
.contact-item p { color: var(--text-light); font-size: 0.9rem; margin: 0; }

/* ===== HAMBURGER ===== */
.hamburger { display: none; flex-direction: column; justify-content: center; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; border-radius: 8px; transition: background 0.2s; }
.hamburger:hover { background: var(--bg); }
.hamburger span { display: block; width: 24px; height: 2.5px; background: var(--text); border-radius: 3px; transition: all 0.3s ease; transform-origin: center; }
.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
.mobile-menu { display: none; position: fixed; top: 72px; left: 0; right: 0; background: var(--white); border-bottom: 2px solid var(--border); padding: 16px 20px 20px; box-shadow: 0 12px 32px rgba(0,0,0,0.12); z-index: 99; flex-direction: column; gap: 6px; }
.mobile-menu.open { display: flex; }
.mobile-menu a { padding: 13px 16px; border-radius: 10px; color: var(--text-med); font-weight: 500; font-size: 1rem; transition: background 0.2s, color 0.2s; }
.mobile-menu a:hover { background: var(--primary-light); color: var(--primary); text-decoration: none; }
.mobile-menu .btn-mobile-cta { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: var(--white) !important; text-align: center; margin-top: 8px; font-weight: 700; box-shadow: var(--shadow-blue); }
.mobile-menu .btn-mobile-cta:hover { background: var(--primary-dark); }

/* ===== BANNER SLIDER ===== */
.banner { position: relative; width: 100%; height: 520px; overflow: hidden; }
.banner-slide { position: absolute; top: 0; right: 0; bottom: 0; left: 0; display: flex; align-items: center; opacity: 0; transition: opacity 1s ease; }
.banner-slide.active { opacity: 1; z-index: 1; }
.banner-slide-1 {
  background:
    radial-gradient(ellipse at 75% 25%, rgba(201,138,62,0.20) 0%, transparent 45%),
    radial-gradient(ellipse at 20% 80%, rgba(44,58,99,0.5) 0%, transparent 50%),
    linear-gradient(135deg, #060a15 0%, #11162b 55%, #1c2541 100%);
}
.banner-slide-2 {
  background:
    radial-gradient(ellipse at 25% 20%, rgba(201,138,62,0.16) 0%, transparent 45%),
    radial-gradient(ellipse at 80% 75%, rgba(44,58,99,0.45) 0%, transparent 50%),
    linear-gradient(135deg, #080d1e 0%, #1c2541 55%, #2c3a63 100%);
}
.banner-slide-3 {
  background:
    radial-gradient(ellipse at 60% 70%, rgba(201,138,62,0.18) 0%, transparent 45%),
    radial-gradient(ellipse at 15% 15%, rgba(28,37,65,0.6) 0%, transparent 50%),
    linear-gradient(135deg, #0b0f20 0%, #14203a 55%, #1e2e50 100%);
}
.banner-slide::after { content: ''; position: absolute; right: -80px; top: -80px; width: 480px; height: 480px; border-radius: 50%; background: rgba(255,255,255,0.03); pointer-events: none; }
.banner-slide::before { content: ''; position: absolute; right: 120px; bottom: -140px; width: 320px; height: 320px; border-radius: 50%; background: rgba(255,255,255,0.05); pointer-events: none; }
.banner-content { max-width: 1200px; margin: 0 auto; padding: 0 24px; color: white; position: relative; z-index: 2; width: 100%; }
.banner-tag { display: inline-block; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2); color: rgba(255,255,255,0.9); font-size: 0.8rem; font-weight: 600; padding: 6px 16px; border-radius: 20px; margin-bottom: 20px; letter-spacing: 0.05em; text-transform: uppercase; }
.banner-content .banner-title { font-size: 3rem; font-weight: 800; line-height: 1.15; margin-bottom: 20px; letter-spacing: -0.5px; }
.banner-content .banner-title span { color: #e3b04b; }
.banner-content p { font-size: 1.1rem; opacity: 0.85; margin-bottom: 36px; max-width: 560px; line-height: 1.7; }
.banner-nav { position: absolute; bottom: 28px; left: 50%; transform: translateX(-50%); display: flex; gap: 10px; z-index: 10; align-items: center; }
.banner-dot { width: 10px; height: 10px; border-radius: 50%; background: rgba(255,255,255,0.35); border: none; cursor: pointer; transition: background 0.3s, transform 0.3s; padding: 0; }
.banner-dot.active { background: white; transform: scale(1.3); }
.banner-arrows { position: absolute; right: 28px; bottom: 22px; display: flex; gap: 8px; z-index: 10; }
.banner-arrow { width: 42px; height: 42px; border-radius: 50%; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25); color: white; cursor: pointer; font-size: 1rem; display: flex; align-items: center; justify-content: center; transition: background 0.2s; }
.banner-arrow:hover { background: rgba(255,255,255,0.28); }
.banner-progress { position: absolute; bottom: 0; left: 0; height: 4px; background: rgba(255,255,255,0.15); width: 100%; z-index: 5; }
.banner-progress-bar { height: 100%; background: #e3b04b; width: 0; transition: none; }
.banner-progress-bar.running { width: 100%; transition: width 5s linear; }

/* ===== SERVICE CARDS ===== */
.service-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.service-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px 32px; box-shadow: var(--shadow); display: flex; flex-direction: column; transition: transform 0.2s, box-shadow 0.2s; }
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-card-icon { font-size: 3rem; margin-bottom: 20px; display: block; }
.service-card h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 12px; color: var(--text); }
.service-card p { color: var(--text-light); line-height: 1.7; margin-bottom: 20px; flex: 1; }
.service-card-details { background: var(--primary-light); border-radius: var(--radius); padding: 14px 16px; margin-bottom: 24px; font-size: 0.85rem; }
.service-card-details div { display: flex; justify-content: space-between; padding: 4px 0; }
.service-card-details span:first-child { color: var(--text-light); }
.service-card-details span:last-child { font-weight: 600; color: var(--primary-dark); }
.service-card .btn-primary { text-align: center; display: block; }

/* ===== FAQ ===== */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; transition: box-shadow 0.2s; }
.faq-item:hover { box-shadow: var(--shadow); }
.faq-question { width: 100%; background: none; border: none; padding: 20px 24px; text-align: left; font-family: 'Work Sans', sans-serif; font-size: 1rem; font-weight: 600; color: var(--text); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-question:hover { color: var(--primary); }
.faq-icon { width: 28px; height: 28px; border-radius: 50%; background: var(--primary-light); color: var(--primary); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; font-weight: 700; flex-shrink: 0; transition: transform 0.3s, background 0.2s; }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--primary); color: white; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.2s; padding: 0 24px; }
.faq-answer p { color: var(--text-light); line-height: 1.75; padding-bottom: 4px; margin: 0; }
.faq-answer ul { color: var(--text-light); line-height: 1.75; padding-left: 20px; margin: 8px 0 20px; }
.faq-answer ul li { margin-bottom: 6px; }
.faq-item.open .faq-answer { max-height: 1000px; }

/* ===== NAV links ===== */
.nav-links { display: flex; gap: 4px; align-items: center; }
.nav-links a.active { color: var(--primary); font-weight: 600; }

/* ===== FORMULAIRE 2 ÉTAPES ===== */
.stepper-2 { display: flex; align-items: center; margin-bottom: 36px; }
.s2-item { display: flex; flex-direction: column; align-items: center; gap: 8px; flex: 1; }
.s2-circle { width: 40px; height: 40px; border-radius: 50%; background: #e2e8f0; color: #94a3b8; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.95rem; transition: all 0.3s; border: 3px solid #e2e8f0; }
.s2-circle.active { background: var(--primary); color: white; border-color: var(--primary); box-shadow: 0 0 0 4px rgba(28,37,65,0.15); }
.s2-circle.done { background: var(--success); color: white; border-color: var(--success); }
.s2-label { font-size: 0.8rem; font-weight: 600; color: #94a3b8; text-align: center; }
.s2-label.active { color: var(--primary); }
.s2-label.done { color: var(--success); }
.s2-line { flex: 1; height: 3px; background: #e2e8f0; margin: 0 8px; margin-bottom: 28px; transition: background 0.3s; max-width: 120px; }
.s2-line.done { background: var(--success); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeInForm 0.3s ease; }
@keyframes fadeInForm { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: translateX(0); } }

/* Carte simulation */
.sim-card { background: var(--primary-light); border: 2px solid var(--primary); border-radius: var(--radius-lg); padding: 24px 20px 16px; margin: 20px 0; text-align: center; }
.sim-card-monthly-label { font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-light); margin-bottom: 6px; }
.sim-card-monthly-value { font-family: 'Manrope', sans-serif; font-size: 2rem; font-weight: 800; color: var(--primary); margin-bottom: 16px; line-height: 1.2; }
.sim-card-details { border-top: 1px solid var(--border); margin: 0 -20px; text-align: left; }
.sim-card-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 20px; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.sim-card-row span { color: var(--text-light); font-weight: 500; }
.sim-card-row strong { color: var(--text); font-weight: 700; white-space: nowrap; }
.sim-card-row-total { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); border-bottom: none; }
.sim-card-row-total span { color: rgba(255,255,255,0.9); font-weight: 600; }
.sim-card-row-total strong { color: #e3b04b; font-size: 1rem; }
.sim-card-note { font-size: 0.72rem; color: var(--text-light); text-align: center; margin-top: 12px; padding: 0 4px; }

/* Récapitulatif étape 2 */
.step2-recap { background: var(--primary-light); border: 1px solid var(--primary-mid); border-radius: var(--radius); padding: 14px 20px; display: flex; gap: 20px; flex-wrap: wrap; margin-bottom: 28px; font-size: 0.88rem; }
.step2-recap-item { display: flex; flex-direction: column; gap: 2px; }
.step2-recap-label { color: var(--text-light); font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; }
.step2-recap-value { color: var(--primary-dark); font-weight: 700; }
.step2-recap-item.recap-total { border-left: 2px solid var(--primary); padding-left: 10px; }
.step2-recap-item.recap-total .step2-recap-value { color: var(--success); font-size: 1rem; }

/* Boutons formulaire */
.btn-step-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--border); gap: 12px; }
.btn-step-back { background: transparent; color: var(--text-light); border: 2px solid var(--border); padding: 13px 28px; border-radius: var(--radius); font-weight: 600; cursor: pointer; font-size: 0.95rem; transition: all 0.2s; font-family: 'Work Sans', sans-serif; }
.btn-step-back:hover { border-color: #94a3b8; color: var(--text); }
.btn-step-next { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: white; border: none; padding: 15px 40px; border-radius: var(--radius); font-weight: 700; cursor: pointer; font-size: 1rem; transition: opacity 0.2s, transform 0.2s; font-family: 'Work Sans', sans-serif; }
.btn-step-next:hover { opacity: 0.9; transform: translateY(-1px); }
.btn-step-submit { background: linear-gradient(135deg, var(--accent), var(--accent-dark)); color: white; border: none; padding: 15px 40px; border-radius: var(--radius); font-weight: 700; cursor: pointer; font-size: 1rem; transition: opacity 0.2s; font-family: 'Work Sans', sans-serif; }
.btn-step-submit:hover { opacity: 0.9; }
.secure-note { text-align: center; font-size: 0.78rem; color: var(--text-light); margin-top: 12px; }

/* ===== À PROPOS ===== */
.apropos-label { font-size: 0.72rem; font-weight: 700; color: var(--primary); text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 14px; }
.apropos-mission-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.apropos-mission-text h2 { font-family: 'Manrope', sans-serif; font-size: 1.75rem; font-weight: 800; color: #1e293b; line-height: 1.25; margin-bottom: 18px; }
.apropos-mission-text p { color: #475569; line-height: 1.8; font-size: 0.95rem; margin-bottom: 14px; }
.apropos-stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.apropos-stat { border-radius: 16px; padding: 28px 20px; text-align: center; }
.apropos-stat-value { font-family: 'Manrope', sans-serif; font-size: 2.4rem; font-weight: 800; line-height: 1; }
.apropos-stat-label { font-size: 0.85rem; color: #475569; margin-top: 8px; font-weight: 600; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .footer-3col { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-links-col { grid-column: 1 / -1; }
}
@media (max-width: 768px) {
  .nav-links { display: none !important; }
  .hamburger { display: flex; }
  .banner { height: auto; min-height: 400px; }
  .banner-slide { position: relative; top: auto; right: auto; bottom: auto; left: auto; padding: 48px 0 72px; }
  .banner-slide:not(.active) { display: none; }
  .banner-content .banner-title { font-size: 2rem; }
  .banner-content p { font-size: 1rem; }
  .banner-arrows { bottom: 16px; right: 16px; }
  .banner-nav { bottom: 20px; }
  .hero-inner { grid-template-columns: 1fr; gap: 24px; }
  .hero { padding: 32px 0 48px; }
  .hero h1 { font-size: 1.9rem; }
  .hero-text > .btn-secondary { display: none; }
  .hero-badges { flex-wrap: wrap; gap: 8px; }
  section { padding: 56px 0; }
  .section-title h2 { font-size: 1.7rem; }
  .cred-list { grid-template-columns: 1fr 1fr; }
  .cred-item { padding: 14px 10px; gap: 6px; }
  .cred-num { min-width: 14px; font-size: 0.55rem; }
  .cred-body strong { font-size: 0.8rem; }
  .cred-body span { font-size: 0.68rem; }
  .cred-amount { display: none; }
  .cred-arrow { font-size: 0.75rem; }
  .steps { grid-template-columns: 1fr 1fr; gap: 28px; }
  .stats { grid-template-columns: 1fr 1fr; gap: 20px; }
  .stat-number { font-size: 2.2rem; white-space: nowrap; }
  .trustmarks { gap: 10px; }
  .trustmark { font-size: 0.8rem; padding: 10px 14px; }
  .service-cards { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid .full { grid-column: 1; }
  .form-container { padding: 24px 18px; border-radius: var(--radius-lg); }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-3col { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 8px; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; }
  #cookie-banner { bottom: 0; left: 0; right: 0; border-radius: 16px 16px 0 0; }
  .cta-section h2 { font-size: 1.6rem; }
  .btn-white { padding: 16px 32px; }
  .apropos-mission-grid { grid-template-columns: 1fr; gap: 36px; }
  .apropos-stats-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
}
@media (max-width: 640px) {
  .banner-content .banner-title { font-size: 1.7rem; }
  .steps { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .footer-brand-row { flex-direction: column; align-items: flex-start; }
  .sim-inputs { grid-template-columns: 1fr; }
  .hero-card { padding: 20px; }
  .testi-counter { flex-direction: column; }
  .testi-counter-sep { width: 80%; height: 1px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.65rem; }
  .hero-badges { gap: 6px; }
  .badge { font-size: 0.76rem; padding: 6px 10px; }
  .section-title h2 { font-size: 1.5rem; }
  .banner-content .banner-title { font-size: 1.5rem; }
  .page-header h1 { font-size: 1.6rem; }
  .container { padding: 0 16px; }
  .form-container { padding: 20px 14px; }
  .legal-content { padding: 32px 16px; }
  .btn-lg { padding: 14px 24px; font-size: 0.95rem; }
  .footer-credits-2col { grid-template-columns: 1fr; }
  .sim-monthly-value { font-size: 1.9rem; }
}