/* =========================================================
   Hypostratège — Feuille de style principale
   Direction artistique : cabinet privé / étude d'avocats
   Palette : navy profond + or patiné sur base ivoire
   Typo : Fraunces (serif éditorial) + Inter (interface)
   ========================================================= */

:root {
  /* Couleurs */
  --royal: #0C2545;
  --royal-dark: #081A33;
  --royal-light: #17406E;
  --gold: #B9973E;
  --gold-light: #D8B463;
  --gold-dark: #8C7030;
  --ink: #17233A;
  --muted: #5E6675;
  --paper: #FCFBF8;
  --cloud: #F3F0E8;
  --stone: #EDE9DE;
  --line: #E5E0D3;
  --line-soft: #EFEBE0;

  /* Rayons & ombres */
  --radius: 6px;
  --radius-lg: 10px;
  --shadow-sm: 0 1px 2px rgba(12,37,69,.04), 0 8px 24px -12px rgba(12,37,69,.14);
  --shadow: 0 2px 4px rgba(12,37,69,.05), 0 24px 48px -20px rgba(12,37,69,.22);

  /* Layout */
  --max: 1180px;

  /* Typographie */
  --font-display: 'Fraunces', 'Georgia', 'Times New Roman', serif;
  --font-sans: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;

  /* Rythme */
  --ease: cubic-bezier(.22,.61,.36,1);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.7;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

/* Fine ligne d'or en haut de page (signature discrète) */
body::before {
  content: "";
  position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 100;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-light), var(--gold));
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--royal);
  line-height: 1.14;
  margin: 0 0 .55em;
  font-weight: 500;
  letter-spacing: -0.01em;
  font-optical-sizing: auto;
}

h1 { font-size: clamp(2.4rem, 5.2vw, 4rem); font-weight: 500; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
h3 { font-size: 1.4rem; font-weight: 600; letter-spacing: 0; }

p { margin: 0 0 1.1rem; color: var(--ink); }

a { color: var(--royal-light); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold-dark); }

img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
}

.section { padding: 108px 0; }
.section--tight { padding: 72px 0; }
.section--cloud { background: var(--cloud); }
.section--royal { background: var(--royal); color: #fff; position: relative; overflow: hidden; }
.section--royal::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(60% 90% at 85% 0%, rgba(184,151,62,.16), transparent 60%),
    radial-gradient(50% 70% at 0% 100%, rgba(23,64,110,.55), transparent 60%);
  pointer-events: none;
}
.section--royal > * { position: relative; z-index: 1; }
.section--royal h2, .section--royal h3 { color: #fff; }
.section--royal p { color: #C4CFE2; }

/* Surligne éditoriale */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .7rem;
  font-family: var(--font-sans);
  font-size: .74rem;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-weight: 600;
  margin-bottom: 1.1rem;
}
.eyebrow::before {
  content: "";
  width: 30px; height: 1px;
  background: var(--gold);
  display: inline-block;
}
.section--royal .eyebrow { color: var(--gold-light); }
.section--royal .eyebrow::before { background: var(--gold-light); }

.lead { font-size: 1.24rem; line-height: 1.6; color: var(--muted); max-width: 760px; font-weight: 400; }
.section--royal .lead { color: #C4CFE2; }

.text-center { text-align: center; }
.text-center .eyebrow { justify-content: center; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ---------- Boutons ---------- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: .82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 15px 30px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.btn--gold { background: var(--gold); color: #fff; box-shadow: 0 10px 24px -12px rgba(184,151,62,.9); }
.btn--gold:hover { background: var(--gold-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 16px 30px -12px rgba(184,151,62,.9); }
.btn--royal { background: var(--royal); color: #fff; }
.btn--royal:hover { background: var(--royal-light); color: #fff; transform: translateY(-2px); }
.btn--ghost { background: transparent; color: var(--royal); border-color: var(--line); }
.btn--ghost:hover { background: var(--royal); color: #fff; border-color: var(--royal); }
.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(216,180,99,.5); }
.btn--ghost-light:hover { background: var(--gold); color: #fff; border-color: var(--gold); }

/* ---------- En-tête / navigation ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(252,251,248,.82);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}
.brand {
  display: flex;
  align-items: center;
  gap: .8rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.4rem;
  color: var(--royal);
  letter-spacing: -0.01em;
}
.brand:hover { color: var(--royal); }
.brand__mark {
  width: 44px; height: 44px;
  border-radius: 8px;
  background: linear-gradient(150deg, var(--royal-light), var(--royal-dark));
  color: var(--gold-light);
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-weight: 600; font-size: 1.3rem;
  border: 1px solid rgba(184,151,62,.55);
  box-shadow: inset 0 0 0 3px rgba(255,255,255,.04);
}
.brand__name { line-height: 1.05; }
.brand__name small { display: block; font-family: var(--font-sans); font-size: .58rem; letter-spacing: .22em; text-transform: uppercase; color: var(--gold-dark); font-weight: 600; margin-top: 3px; }

.nav__links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  margin: 0; padding: 0;
}
.nav__links a:not(.btn) {
  position: relative;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: .9rem;
  color: var(--ink);
  padding: 10px 13px;
}
.nav__links a:not(.btn)::after {
  content: ""; position: absolute; left: 13px; right: 13px; bottom: 4px;
  height: 1.5px; background: var(--gold); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform .28s var(--ease);
}
.nav__links a:not(.btn):hover { color: var(--royal); }
.nav__links a:not(.btn):hover::after { transform: scaleX(1); }
.nav__links a.is-active { color: var(--royal); }
.nav__links a.is-active::after { transform: scaleX(1); }
.nav__cta { margin-left: 12px; }
.nav__cta a { font-size: .78rem; padding: 12px 22px; }

.nav__toggle {
  display: none;
  background: none; border: 0; cursor: pointer;
  width: 46px; height: 46px;
  flex-direction: column; gap: 5px; justify-content: center; align-items: center;
}
.nav__toggle span { width: 26px; height: 2px; background: var(--royal); border-radius: 2px; transition: transform .25s var(--ease), opacity .2s var(--ease); }
.nav__toggle.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle.is-open span:nth-child(2) { opacity: 0; }
.nav__toggle.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Héro ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(120% 120% at 80% -10%, rgba(23,64,110,.9), transparent 55%),
    linear-gradient(155deg, var(--royal-dark) 0%, var(--royal) 55%, #0A2A52 100%);
  color: #fff;
  overflow: hidden;
}
/* Trame de lignes fines très discrète */
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.028) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.028) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(80% 80% at 50% 30%, #000 40%, transparent 100%);
}
.hero::after {
  content: "";
  position: absolute; right: -140px; top: -160px;
  width: 480px; height: 480px; border-radius: 50%;
  background: radial-gradient(circle, rgba(184,151,62,.22), transparent 68%);
}
.hero .container { position: relative; z-index: 1; padding-top: 118px; padding-bottom: 118px; }
.hero h1 { color: #fff; max-width: 15ch; }
.hero h1 em { font-style: italic; color: var(--gold-light); font-weight: 400; }
.hero p { color: #C9D4E6; font-size: 1.28rem; max-width: 580px; }
.hero__actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 36px; }
.hero__badge {
  display: inline-flex; align-items: center; gap: .55rem;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(184,151,62,.45);
  color: var(--gold-light);
  font-family: var(--font-sans); font-weight: 600; font-size: .74rem;
  letter-spacing: .16em; text-transform: uppercase;
  padding: 9px 18px; border-radius: 999px; margin-bottom: 28px;
  backdrop-filter: blur(4px);
}

/* Héro en deux colonnes : texte + formulaire rapide */
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero__content { max-width: 620px; }

.hero-form {
  position: relative;
  background: #fff; color: var(--ink);
  border-radius: var(--radius-lg);
  padding: 34px 32px 30px;
  box-shadow: 0 34px 64px -26px rgba(0,0,0,.6);
  overflow: hidden;
}
.hero-form::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-light)); }
.hero-form h3 { color: var(--royal); font-size: 1.55rem; margin-bottom: .3rem; }
.hero-form__sub { color: var(--muted); font-size: .96rem; margin-bottom: 22px; }
.hero-form .field { margin-bottom: 14px; }
.hero-form label { display: block; font-family: var(--font-sans); font-weight: 600; font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.hero-form input {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: var(--radius);
  font-family: var(--font-sans); font-size: 1rem; background: var(--paper); color: var(--ink);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.hero-form input:focus { outline: none; border-color: var(--gold); background: #fff; box-shadow: 0 0 0 3px rgba(184,151,62,.15); }
.hero-form .btn { width: 100%; justify-content: center; margin-top: 6px; }
.hero-form .form__note { font-size: .8rem; color: var(--muted); text-align: center; margin: 12px 0 0; }
.hero-form .form__success { display: none; background: #EEF6EF; border: 1px solid #BBE0C1; color: #1C6B30; padding: 13px 15px; border-radius: var(--radius); margin-bottom: 14px; font-size: .94rem; }

/* ---------- Grilles / cartes ---------- */
.grid { display: grid; gap: 28px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 38px 34px;
  box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
  overflow: hidden;
}
/* Filet d'or qui se révèle en haut de la carte */
.card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--line-soft); }
.card:hover::before { transform: scaleX(1); }
.card__icon {
  width: 58px; height: 58px; border-radius: var(--radius);
  background: linear-gradient(155deg, var(--cloud), #fff); color: var(--royal);
  display: grid; place-items: center; margin-bottom: 22px;
  border: 1px solid var(--line);
  transition: color .3s var(--ease), background .3s var(--ease);
}
.card:hover .card__icon { color: var(--gold-dark); }
.card__icon svg { width: 27px; height: 27px; }
.card h3 { color: var(--royal); }
.card p { color: var(--muted); margin-bottom: 0; }
.card__link { display: inline-flex; align-items: center; gap: .35rem; margin-top: 18px; font-family: var(--font-sans); font-weight: 600; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-dark); }
.card__link:hover { gap: .6rem; color: var(--gold-dark); }

/* ---------- Split (image + texte) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 68px; align-items: center; }
.split__media {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  background: linear-gradient(150deg, var(--royal), var(--royal-light));
  box-shadow: var(--shadow);
  display: grid; place-items: center;
  color: rgba(216,180,99,.85);
}
.split__media img { width: 100%; height: 100%; object-fit: cover; border-radius: inherit; }
/* Cadres d'angle dorés (motif architectural) */
.split__media::before,
.split__media::after {
  content: ""; position: absolute; width: 56px; height: 56px; pointer-events: none;
}
.split__media::before { top: -12px; left: -12px; border-top: 2px solid var(--gold); border-left: 2px solid var(--gold); }
.split__media::after { bottom: -12px; right: -12px; border-bottom: 2px solid var(--gold); border-right: 2px solid var(--gold); }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.stats > div { text-align: center; padding: 10px; }
.stats > div + div { border-left: 1px solid rgba(255,255,255,.12); }
.stat__num { font-family: var(--font-display); font-weight: 500; font-size: 3.2rem; color: var(--gold-light); line-height: 1; letter-spacing: -0.02em; }
.stat__label { color: #B9C4D8; font-size: .95rem; margin-top: 12px; letter-spacing: .01em; }

/* ---------- Équipe ---------- */
.team-card { text-align: center; }
.team-card__photo {
  position: relative;
  width: 100%; aspect-ratio: 1 / 1; border-radius: var(--radius);
  background: linear-gradient(150deg, var(--royal), var(--royal-light));
  display: grid; place-items: center;
  color: var(--gold-light); font-family: var(--font-display); font-size: 3rem; font-weight: 500;
  margin-bottom: 22px; overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.team-card__photo::after {
  content: ""; position: absolute; inset: 0; border: 1px solid rgba(184,151,62,0);
  border-radius: inherit; transition: border-color .3s var(--ease);
}
.team-card__initials { position: absolute; inset: 0; display: grid; place-items: center; }
.team-card__photo img { position: relative; z-index: 1; width: 100%; height: 100%; object-fit: cover; }
.team-card:hover .team-card__photo::after { border-color: rgba(184,151,62,.8); }
.team-card h3 { margin-bottom: .15rem; }
.team-card .role { color: var(--gold-dark); font-family: var(--font-sans); font-weight: 600; font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; }
.team-card .contact-mini { font-size: .92rem; color: var(--muted); margin-top: 14px; }
.team-card .contact-mini a { display: block; }

/* ---------- Logos prêteurs ---------- */
.logos { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }
.logos span {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 13px 22px; font-family: var(--font-sans); font-weight: 600;
  color: var(--muted); font-size: .92rem; letter-spacing: .02em;
  transition: color .25s var(--ease), border-color .25s var(--ease);
}
.logos span:hover { color: var(--royal); border-color: var(--gold); }

/* ---------- Tableau des taux ---------- */
.rates { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.rates th, .rates td { padding: 18px 22px; text-align: left; border-bottom: 1px solid var(--line-soft); }
.rates thead th { background: var(--royal); color: #fff; font-family: var(--font-sans); font-weight: 600; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; }
.rates tbody tr { transition: background .2s var(--ease); }
.rates tbody tr:hover { background: var(--cloud); }
.rates tbody tr:last-child td { border-bottom: 0; }
.rates td:first-child { font-weight: 600; color: var(--royal); }
.rates td strong { color: var(--gold-dark); font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; }
.rates-note { font-size: .84rem; color: var(--muted); margin-top: 14px; }

/* Chips de taux de référence (marché — automatique) */
.rate-chips { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 18px; }
/* Colonne « taux banque » : présente mais visuellement en retrait,
   pour que l'avantage PlaniPrêt ressorte. */
.rates td.rate-bank { color: var(--muted); font-weight: 400; }
.rate-chip {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px 22px; text-align: center; box-shadow: var(--shadow-sm);
  transition: transform .25s var(--ease), border-color .25s var(--ease);
}
.rate-chip:hover { transform: translateY(-3px); border-color: var(--gold); }
.rate-chip__label { display: block; font-family: var(--font-sans); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
.rate-chip__value { font-family: var(--font-display); font-size: 2.1rem; font-weight: 600; color: var(--royal); line-height: 1; letter-spacing: -0.01em; }
.rate-source { font-size: .82rem; color: var(--muted); margin-top: 12px; text-align: center; }
.rate-block-title { font-family: var(--font-sans); font-weight: 600; font-size: .76rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark); text-align: center; margin: 0 0 18px; }
@media (max-width: 760px) { .rate-chips { grid-template-columns: 1fr; } }

/* ---------- Témoignages ---------- */
.quote {
  position: relative;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 36px 34px 32px; box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}
.quote::before {
  content: "\201C"; position: absolute; top: 6px; right: 26px;
  font-family: var(--font-display); font-size: 5rem; line-height: 1;
  color: var(--stone);
}
.quote:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.quote__stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 14px; font-size: .95rem; }
.quote p { font-family: var(--font-display); font-size: 1.12rem; font-style: italic; color: var(--ink); line-height: 1.55; position: relative; z-index: 1; }
.quote__author { font-family: var(--font-sans); font-weight: 600; font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-dark); margin-top: 16px; }

/* ---------- FAQ ---------- */
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 4px 26px; margin-bottom: 14px; transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.faq details[open] { border-color: var(--gold); box-shadow: var(--shadow-sm); }
.faq summary {
  cursor: pointer; list-style: none; padding: 20px 0;
  font-family: var(--font-display); font-weight: 600; font-size: 1.12rem; color: var(--royal);
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold-dark); font-size: 1.6rem; font-family: var(--font-sans); font-weight: 300; transition: transform .25s var(--ease); }
.faq details[open] summary::after { content: "\2013"; }
.faq details p { padding-bottom: 22px; color: var(--muted); margin: 0; }

/* ---------- Formulaire ---------- */
.form {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 42px; box-shadow: var(--shadow);
}
.form .field { margin-bottom: 20px; }
.form label { display: block; font-family: var(--font-sans); font-weight: 600; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 8px; color: var(--muted); }
.form input, .form select, .form textarea {
  width: 100%; padding: 15px 16px; border: 1px solid var(--line); border-radius: var(--radius);
  font-family: var(--font-sans); font-size: 1rem; background: var(--paper); color: var(--ink);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--gold); background: #fff; box-shadow: 0 0 0 3px rgba(184,151,62,.15); }
.form textarea { min-height: 140px; resize: vertical; }
.form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form .btn { width: 100%; justify-content: center; margin-top: 4px; }
.form__note { font-size: .85rem; color: var(--muted); text-align: center; margin-top: 16px; margin-bottom: 0; }
.form__success { display: none; background: #EEF6EF; border: 1px solid #BBE0C1; color: #1C6B30; padding: 15px; border-radius: var(--radius); margin-bottom: 18px; font-size: .95rem; }

/* ---------- Bloc contact ---------- */
.contact-block { display: grid; gap: 18px; }
.contact-line { display: flex; align-items: flex-start; gap: 16px; }
.contact-line svg { width: 22px; height: 22px; color: var(--gold-dark); flex: none; margin-top: 4px; }
.contact-line strong { font-family: var(--font-sans); color: var(--royal); font-weight: 600; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; }

/* ---------- CTA final ---------- */
.cta-band {
  position: relative;
  background: linear-gradient(150deg, var(--royal-dark), var(--royal) 55%, var(--royal-light));
  border-radius: var(--radius-lg); padding: 72px 54px; text-align: center; color: #fff; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(60% 100% at 50% 0%, rgba(184,151,62,.18), transparent 60%);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #C9D4E6; max-width: 620px; margin-left: auto; margin-right: auto; }

/* ---------- Pied de page ---------- */
.site-footer { background: var(--royal-dark); color: #AEBAD0; padding: 76px 0 30px; position: relative; }
.site-footer::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(184,151,62,.5), transparent);
}
.site-footer h4 { color: #fff; font-family: var(--font-sans); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 18px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; }
.site-footer a { color: #AEBAD0; }
.site-footer a:hover { color: var(--gold-light); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; font-size: .95rem; }
.footer-brand .brand { color: #fff; }
.footer-brand .brand__name small { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 48px; padding-top: 26px; font-size: .85rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-disclaimer { font-size: .8rem; color: #7E8CA8; margin-top: 22px; max-width: 90ch; line-height: 1.6; }

/* Affiliation PlaniPrêt (logo dans le pied de page) */
.planipret-affiliation { display: flex; align-items: center; gap: 14px; margin-top: 30px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); }
.planipret-affiliation span { font-family: var(--font-sans); font-weight: 600; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: #fff; }
.planipret-affiliation img { height: 34px; width: auto; background: #fff; padding: 5px 8px; border-radius: 4px; }

/* ---------- Page header (bannière interne) ---------- */
.page-hero {
  position: relative;
  background:
    radial-gradient(100% 120% at 85% 0%, rgba(23,64,110,.85), transparent 55%),
    linear-gradient(155deg, var(--royal-dark), var(--royal) 70%, var(--royal-light));
  color: #fff; padding: 96px 0 88px; text-align: center; overflow: hidden;
}
.page-hero::after {
  content: ""; position: absolute; left: 50%; bottom: 34px; transform: translateX(-50%);
  width: 60px; height: 1px; background: var(--gold);
}
.page-hero h1 { color: #fff; }
.page-hero p { color: #C9D4E6; max-width: 660px; margin: 0 auto; font-size: 1.18rem; }
.breadcrumb { font-family: var(--font-sans); font-size: .76rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 16px; }
.breadcrumb a { color: var(--gold-light); }

/* ---------- Listes à puces cochées ---------- */
.list-check { list-style: none; padding: 0; margin: 0 0 1.6rem; }
.list-check li { position: relative; padding-left: 34px; margin-bottom: 15px; color: var(--muted); }
.list-check li::before {
  content: ""; position: absolute; left: 0; top: 8px;
  width: 20px; height: 20px; border-radius: 50%;
  background: rgba(184,151,62,.12); border: 1px solid var(--gold);
}
.list-check li::after {
  content: ""; position: absolute; left: 7px; top: 11px;
  width: 6px; height: 10px; border: solid var(--gold-dark);
  border-width: 0 2px 2px 0; transform: rotate(45deg);
}

/* ---------- Utilitaires ---------- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

/* ---------- Animations d'apparition ---------- */
.js-reveal .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js-reveal .reveal.is-in { opacity: 1; transform: none; }
.js-reveal .reveal-stagger > * { opacity: 0; transform: translateY(22px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.js-reveal .reveal-stagger.is-in > * { opacity: 1; transform: none; }
.js-reveal .reveal-stagger.is-in > *:nth-child(2) { transition-delay: .08s; }
.js-reveal .reveal-stagger.is-in > *:nth-child(3) { transition-delay: .16s; }
.js-reveal .reveal-stagger.is-in > *:nth-child(4) { transition-delay: .24s; }
.js-reveal .reveal-stagger.is-in > *:nth-child(5) { transition-delay: .32s; }
.js-reveal .reveal-stagger.is-in > *:nth-child(6) { transition-delay: .4s; }

/* ---------- Responsive ---------- */

/* Barre de navigation : bascule en menu déroulant dès 1024px */
@media (max-width: 1024px) {
  .nav__toggle { display: flex; }
  .nav__links {
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--paper); flex-direction: column; align-items: stretch;
    padding: 10px 20px 18px; gap: 2px;
    border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow); display: none;
    max-height: calc(100vh - 74px);
    max-height: calc(100dvh - 74px);
    overflow-y: auto; -webkit-overflow-scrolling: touch;
  }
  .nav__links.is-open { display: flex; }
  .nav__links a:not(.btn) { display: block; width: 100%; padding: 15px 4px; font-size: 1.02rem; border-bottom: 1px solid var(--line); }
  .nav__links a:not(.btn)::after { display: none; }
  .nav__links li:last-of-type a:not(.btn) { border-bottom: 0; }
  .nav__cta { margin: 14px 0 0; }
  .nav__cta a { justify-content: center; width: 100%; font-size: .82rem; padding: 16px 22px; }
}

@media (max-width: 960px) {
  .hero__grid { grid-template-columns: 1fr; gap: 40px; }
  .hero__content { max-width: none; }
  .hero .container { padding-top: 84px; padding-bottom: 84px; }
  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 44px; }
  .split__media { aspect-ratio: 16 / 10; max-height: 380px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stats { grid-template-columns: 1fr; gap: 26px; }
  .stats > div + div { border-left: 0; border-top: 1px solid rgba(255,255,255,.12); padding-top: 26px; }
}

@media (max-width: 760px) {
  body { font-size: 16px; }
  .section { padding: 74px 0; }
  .nav { height: 74px; }
  .grid--3, .grid--4, .grid--2 { grid-template-columns: 1fr; }
  .form { padding: 28px 22px; }
  .form .row { grid-template-columns: 1fr; gap: 0; }
  .hero-form { padding: 26px 22px 24px; }
  .cta-band { padding: 48px 26px; }
  .split__media::before, .split__media::after { width: 40px; height: 40px; }
}

/* ---------- Préférence : mouvement réduit ---------- */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; scroll-behavior: auto !important; }
  .js-reveal .reveal, .js-reveal .reveal-stagger > * { opacity: 1 !important; transform: none !important; transition: none !important; }
}