*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#0A1A33;--navy2:#0F2547;--blue:#2563C9;--sky:#5B9BFF;
  --gold:#D4B27A;--cream:#FBF8F3;--light:#F2F5FA;--white:#fff;
  --text:#1A2535;--muted:#64748B;--border:#E4E9F2;
}
html{scroll-behavior:smooth}
body{font-family:'Archivo',sans-serif;color:var(--text);background:var(--white);overflow-x:hidden;line-height:1.6}
img{max-width:100%;display:block}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;padding:1.1rem 5%;background:rgba(10,26,51,.5);backdrop-filter:blur(14px);border-bottom:1px solid rgba(255,255,255,.08);transition:background .3s,padding .3s}
nav.scrolled{background:rgba(10,26,51,.98);padding:.8rem 5%}
.logo{display:flex;align-items:center;gap:.6rem;font-family:'Cormorant Garamond',serif;font-size:1.45rem;font-weight:700;color:#fff;letter-spacing:-.01em;text-decoration:none}
.logo .logo-group{color:var(--gold);margin-left:.16em}
.logo-mark{width:38px;height:38px;border-radius:11px;overflow:hidden;box-shadow:0 4px 16px rgba(212,178,122,.45);flex-shrink:0}
.logo-mark svg{width:100%;height:100%;display:block}
.logo span{color:var(--gold)}
.nav-links{display:flex;gap:2.2rem;list-style:none}
.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.92rem;font-weight:400;transition:color .2s;position:relative}
.nav-links a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--gold);transition:width .25s}
.nav-links a:hover{color:#fff}.nav-links a:hover::after{width:100%}
.nav-links>li>a.is-active{color:#fff}
.nav-links>li>a.is-active::after{width:100%}
.nav-dd{position:relative}
.nav-dd>a{cursor:pointer}
.nav-dd>a .caret{font-size:.6rem;margin-left:.3rem;opacity:.7}
.nav-dd-menu{position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(8px);background:#fff;border-radius:14px;box-shadow:0 20px 50px rgba(10,26,51,.25);padding:.6rem;min-width:250px;opacity:0;visibility:hidden;transition:opacity .22s,transform .22s;z-index:120}
.nav-dd:hover .nav-dd-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.nav-dd-menu::before{content:'';position:absolute;top:-16px;left:-20px;right:-20px;height:16px}
.nav-dd-item{display:flex;gap:.8rem;align-items:flex-start;padding:.8rem .9rem;border-radius:10px;text-decoration:none;transition:background .18s}
.nav-dd-item:hover{background:var(--light)}
.nav-dd-item .ddic{font-size:1.2rem;line-height:1.2}
.nav-dd-item h5{color:var(--navy);font-size:.92rem;font-weight:600;margin-bottom:.1rem}
.nav-dd-item p{color:var(--muted);font-size:.78rem;line-height:1.3}
.nav-dd-item::after{display:none}
.lang-dd>a{white-space:nowrap}
.lang-menu{min-width:160px}
.lang-item{gap:.6rem;padding:.65rem .8rem}
.lang-item h5{font-size:.88rem;font-weight:500}
.nav-cta{background:var(--gold);color:var(--navy);border:none;padding:.65rem 1.5rem;border-radius:50px;font-family:'Archivo';font-weight:600;font-size:.9rem;cursor:pointer;transition:transform .2s,box-shadow .2s;text-decoration:none;display:inline-block}
.nav-cta:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(212,178,122,.45)}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;z-index:101}
.hamburger span{width:26px;height:2px;background:#fff;transition:.3s;border-radius:2px}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* HERO (accueil) */
#accueil{min-height:100vh;background:var(--navy);display:flex;align-items:center;position:relative;overflow:hidden;padding:9rem 5% 5rem}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 75% 40%,rgba(37,99,201,.45) 0%,transparent 65%),radial-gradient(ellipse 50% 50% at 15% 90%,rgba(212,178,122,.12) 0%,transparent 60%)}
.hero-orb{position:absolute;border-radius:50%;filter:blur(60px);opacity:.5}
.orb1{width:400px;height:400px;background:var(--blue);top:-100px;right:5%;animation:float1 14s ease-in-out infinite}
.orb2{width:300px;height:300px;background:var(--gold);bottom:-80px;left:10%;opacity:.18;animation:float2 18s ease-in-out infinite}
@keyframes float1{50%{transform:translate(-40px,40px)}}
@keyframes float2{50%{transform:translate(50px,-30px)}}
.hero-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 80% 80% at 50% 40%,#000 30%,transparent 75%)}
.hero-content{position:relative;max-width:720px;z-index:2}
.hero-badge{display:inline-flex;align-items:center;gap:.5rem;background:rgba(212,178,122,.12);border:1px solid rgba(212,178,122,.35);color:var(--gold);font-size:.8rem;letter-spacing:.04em;padding:.45rem 1.1rem;border-radius:50px;margin-bottom:1.8rem;animation:fadeUp .8s both}
.hero-badge .dot{width:7px;height:7px;background:var(--gold);border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{50%{opacity:.3}}
.hero-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2.8rem,6.5vw,5.4rem);font-weight:700;line-height:1.04;color:#fff;margin-bottom:1.4rem;letter-spacing:-.02em;animation:fadeUp .8s .1s both}
.hero-title em{font-style:italic;color:var(--gold)}
.hero-sub{font-size:1.15rem;color:rgba(255,255,255,.62);font-weight:300;max-width:540px;margin-bottom:2.6rem;animation:fadeUp .8s .2s both}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;align-items:center;animation:fadeUp .8s .3s both}
.btn-primary{background:var(--gold);color:var(--navy);padding:1rem 2.2rem;border-radius:50px;font-weight:600;font-size:1rem;text-decoration:none;transition:transform .2s,box-shadow .2s;display:inline-flex;align-items:center;gap:.6rem}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(212,178,122,.4)}
.btn-ghost{color:#fff;padding:1rem 1.6rem;font-weight:500;font-size:1rem;text-decoration:none;display:inline-flex;align-items:center;gap:.6rem;transition:gap .2s}
.btn-ghost:hover{gap:1rem}.btn-ghost .arr{transition:transform .2s}

/* PAGE HERO (pages intérieures) */
.page-hero{background:var(--navy);padding:9rem 5% 4rem;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 60% at 80% 20%,rgba(37,99,201,.3),transparent 60%)}
.page-hero-inner{position:relative;max-width:800px}
.page-hero .section-label{color:var(--gold)}
.page-hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(2.2rem,4.5vw,3.2rem);font-weight:700;color:#fff;line-height:1.15;margin-bottom:1rem;letter-spacing:-.02em}
.page-hero p{color:rgba(255,255,255,.62);font-size:1.05rem;max-width:620px;font-weight:300}
.breadcrumb{display:flex;gap:.5rem;align-items:center;margin-bottom:1.5rem;font-size:.85rem;color:rgba(255,255,255,.4)}
.breadcrumb a{color:rgba(255,255,255,.65);text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb .sep{opacity:.4}
.breadcrumb .current{color:var(--gold)}

/* MARQUEE / PARTENAIRES */
.partners{background:var(--navy2);padding:2.2rem 0;border-top:1px solid rgba(255,255,255,.06);overflow:hidden}
.partners-label{text-align:center;color:rgba(255,255,255,.4);font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:1.5rem}
.marquee{display:flex;gap:4rem;animation:scroll 48s linear infinite;width:max-content}
.marquee span{color:rgba(255,255,255,.45);font-family:'Cormorant Garamond',serif;font-size:1.5rem;font-weight:600;white-space:nowrap}
@keyframes scroll{to{transform:translateX(-50%)}}

/* SECTION BASE */
section{padding:7rem 5%}
.section-label{display:inline-block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);font-weight:600;margin-bottom:1rem}
.section-title{font-family:'Cormorant Garamond',serif;font-size:clamp(2.1rem,4.5vw,3.4rem);font-weight:700;color:var(--navy);line-height:1.1;letter-spacing:-.02em;margin-bottom:1.2rem}
.section-desc{font-size:1.05rem;color:var(--muted);max-width:580px;font-weight:300}

/* STATS BAND */
.stats-band{background:var(--cream);padding:4rem 5%}
.stats-grid{max-width:900px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;text-align:center}
.stat-big{font-family:'Cormorant Garamond',serif;font-size:3rem;font-weight:700;color:var(--navy);line-height:1}
.stat-big .plus{color:var(--gold)}
.stat-cap{color:var(--muted);font-size:.92rem;margin-top:.5rem}

/* OFFRES / GRILLES DE CARTES SERVICE */
#offres{background:var(--white)}
.offres-head{text-align:center;margin-bottom:3.5rem}
.offres-head .section-desc{margin:0 auto}
.offres-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;max-width:1200px;margin:0 auto}
.offre{background:var(--white);border:1px solid var(--border);border-radius:20px;padding:2.4rem 2rem;transition:transform .35s,box-shadow .35s,border-color .35s;position:relative;overflow:hidden;text-decoration:none;display:block}
.offre::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--navy),var(--blue));opacity:0;transition:opacity .35s;z-index:0}
.offre:hover{transform:translateY(-8px);box-shadow:0 24px 50px rgba(10,26,51,.16);border-color:transparent}
.offre:hover::before{opacity:1}
.offre>*{position:relative;z-index:1;transition:color .35s}
.offre:hover .offre-t,.offre:hover .offre-d,.offre:hover .offre-l{color:#fff}
.offre:hover .offre-l{color:var(--gold)}
.offre-ic{width:56px;height:56px;border-radius:14px;background:linear-gradient(135deg,rgba(37,99,201,.1),rgba(91,155,255,.15));display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:1.4rem;transition:background .35s}
.offre-ic svg{width:26px;height:26px;stroke:var(--blue);transition:stroke .35s}
.offre:hover .offre-ic{background:rgba(255,255,255,.15)}
.offre:hover .offre-ic svg{stroke:#fff}
.svc-ic svg,.comp-ic svg{width:22px;height:22px;stroke:var(--blue)}
.comp-card .comp-ic svg{stroke:var(--gold)}
.c-ic svg{width:20px;height:20px;stroke:var(--gold)}
.ddic svg{width:18px;height:18px;stroke:var(--navy)}
.ap-val .ic svg{width:20px;height:20px;stroke:var(--gold)}
.eq-badge .bi svg{width:16px;height:16px;stroke:var(--navy)}
.nav-dd-item svg{width:18px;height:18px;stroke:var(--navy)}
.tab-btn svg{width:16px;height:16px;stroke:currentColor}
.tab-btn.active svg{stroke:#fff}
.why-num{font-family:'Cormorant Garamond',serif;font-size:2.6rem;font-weight:700;color:var(--gold);line-height:1;margin-bottom:.8rem}
.offre-t{font-family:'Cormorant Garamond',serif;font-size:1.35rem;font-weight:600;color:var(--navy);margin-bottom:.6rem}
.offre-d{font-size:.92rem;color:var(--muted);margin-bottom:1.4rem}
.offre-l{color:var(--blue);font-size:.88rem;font-weight:600;text-decoration:none;display:inline-flex;gap:.4rem;align-items:center}

/* APROPOS */
#apropos{background:var(--navy);color:#fff;position:relative;overflow:hidden}
#apropos .ap-bg{position:absolute;inset:0;background:radial-gradient(ellipse 50% 60% at 85% 30%,rgba(37,99,201,.3),transparent 60%)}
.ap-inner{position:relative;max-width:1250px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.ap-visual{position:relative}
.ap-card{background:linear-gradient(160deg,var(--navy2),#0b1d3a);border:1px solid rgba(255,255,255,.08);border-radius:24px;padding:3rem;aspect-ratio:1;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.ap-card::after{content:'';position:absolute;width:200px;height:200px;background:radial-gradient(circle,rgba(212,178,122,.25),transparent 70%);top:-50px;right:-50px}
.ap-shield{width:90px;height:90px;margin-bottom:1.5rem}
.ap-card h3{font-family:'Cormorant Garamond',serif;font-size:1.6rem;margin-bottom:.6rem}
.ap-card p{color:rgba(255,255,255,.55);font-size:.95rem;font-weight:300}
.ap-float{position:absolute;background:var(--gold);color:var(--navy);padding:1.3rem 1.8rem;border-radius:16px;box-shadow:0 16px 40px rgba(0,0,0,.3)}
.ap-float.f1{bottom:-1.4rem;left:-1.4rem}
.ap-float strong{font-family:'Cormorant Garamond',serif;font-size:1.9rem;display:block;line-height:1}
.ap-float span{font-size:.78rem;font-weight:500}
#apropos .section-title{color:#fff}
.ap-values{margin-top:2.4rem;display:flex;flex-direction:column;gap:1.4rem}
.ap-callout{margin-top:2.2rem;background:rgba(212,178,122,.1);border:1px solid rgba(212,178,122,.3);border-radius:16px;padding:1.8rem}
.ap-callout h4{font-family:'Cormorant Garamond',serif;font-size:1.3rem;color:var(--gold);font-weight:700;margin-bottom:.7rem}
.ap-callout p{color:rgba(255,255,255,.72);font-size:.93rem;line-height:1.7;font-weight:300}
.ap-val{display:flex;gap:1rem;align-items:flex-start}
.ap-val .ic{width:40px;height:40px;min-width:40px;border-radius:10px;background:rgba(212,178,122,.15);display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.ap-val h4{font-weight:600;margin-bottom:.2rem;font-size:1.02rem}
.ap-val p{color:rgba(255,255,255,.5);font-size:.9rem;font-weight:300}

/* POURQUOI NOUS */
#pourquoi{background:var(--white);padding-top:2rem}
.why-grid{max-width:1150px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem}
.why-card{padding:2.4rem 2rem;border-radius:20px;background:var(--light);border:1px solid var(--border);transition:transform .3s,box-shadow .3s}
.why-card:hover{transform:translateY(-6px);box-shadow:0 20px 44px rgba(10,26,51,.1)}
.why-num{font-family:'Cormorant Garamond',serif;font-size:2.6rem;font-weight:700;color:var(--gold);line-height:1;margin-bottom:.8rem}
.why-card h4{font-family:'Cormorant Garamond',serif;font-size:1.35rem;color:var(--navy);font-weight:700;margin-bottom:.6rem}
.why-card p{font-size:.93rem;color:var(--muted);line-height:1.65}

/* TABS (utilisé sur assurances.php pour Particuliers/Entreprises) */
.tabs-bar{display:flex;flex-wrap:wrap;justify-content:center;gap:.5rem;margin:0 auto 3rem;max-width:780px;background:var(--light);padding:.4rem;border-radius:50px;border:1px solid var(--border)}
.tab-btn{flex:1 1 auto;border:none;background:transparent;padding:.85rem 1rem;border-radius:50px;font-family:'Archivo';font-size:.9rem;font-weight:500;color:var(--muted);cursor:pointer;transition:.25s;display:flex;align-items:center;justify-content:center;gap:.5rem;white-space:nowrap}
.tab-btn.active{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(10,26,51,.22)}
.tab-btn .ic{font-size:1.05rem}
.tab-panel{display:none;animation:fadeUp .5s ease}
.tab-panel.active{display:block}
.svc-grid{max-width:1150px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.svc-card{background:var(--white);border:1px solid var(--border);border-radius:18px;padding:2rem 1.8rem;transition:transform .3s,box-shadow .3s}
.svc-card:hover{transform:translateY(-5px);box-shadow:0 18px 44px rgba(10,26,51,.1)}
.svc-card .svc-ic{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,rgba(37,99,201,.1),rgba(91,155,255,.15));display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:1.1rem}
.svc-card h4{font-family:'Cormorant Garamond',serif;font-size:1.28rem;color:var(--navy);font-weight:700;margin-bottom:.9rem}
.svc-card ul{list-style:none;display:flex;flex-direction:column;gap:.55rem}
.svc-card li{font-size:.88rem;color:var(--muted);line-height:1.5;padding-left:1.3rem;position:relative}
.svc-card li::before{content:'';position:absolute;left:0;top:.5rem;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.svc-intro{max-width:720px;margin:0 auto 2.6rem;text-align:center;font-size:1rem;color:var(--muted);line-height:1.7}
.bank-partners{max-width:900px;margin:2.5rem auto 0;display:flex;flex-wrap:wrap;justify-content:center;gap:.8rem}
.bank-chip{background:var(--white);border:1px solid var(--border);border-radius:50px;padding:.6rem 1.3rem;font-weight:600;color:var(--navy);font-size:.9rem;box-shadow:0 4px 14px rgba(10,26,51,.05)}

/* COMPRENDRE / ACADÉMIE */
#comprendre{background:var(--navy);position:relative;overflow:hidden}
#comprendre::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 50% at 80% 20%,rgba(37,99,201,.25),transparent 60%)}
#comprendre .section-title{color:#fff}
#comprendre .section-desc{color:rgba(255,255,255,.55)}
#comprendre .offres-head{position:relative}
.comp-grid{position:relative;max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.comp-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:18px;padding:2rem 1.8rem;transition:transform .3s,background .3s}
.comp-card:hover{transform:translateY(-5px);background:rgba(255,255,255,.07)}
.comp-card .comp-ic{width:46px;height:46px;border-radius:12px;background:rgba(212,178,122,.14);display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:1.1rem}
.comp-card h4{font-family:'Cormorant Garamond',serif;font-size:1.25rem;color:var(--gold);font-weight:700;margin-bottom:.8rem}
.comp-card p{font-size:.87rem;color:rgba(255,255,255,.62);line-height:1.65;font-weight:300;margin-bottom:.6rem}
.comp-card ul{list-style:none;display:flex;flex-direction:column;gap:.45rem;margin-top:.7rem}
.comp-card li{font-size:.85rem;color:rgba(255,255,255,.6);line-height:1.5;padding-left:1.1rem;position:relative}
.comp-card li::before{content:'';position:absolute;left:0;top:.5rem;width:5px;height:5px;border-radius:50%;background:var(--gold)}
.comp-card .comp-key{color:var(--gold);font-weight:600}
.comp-cta{position:relative;text-align:center;margin-top:2.6rem}
.comp-cta p{color:rgba(255,255,255,.5);font-size:.9rem;margin-bottom:1.2rem}

/* FIDUCIAIRE */
#fiduciaire{background:var(--cream);position:relative;overflow:hidden}
.fid-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.1fr 1fr;gap:5rem;align-items:center}
.fid-content .section-title{color:var(--navy)}
.fid-ribbon{display:inline-flex;align-items:center;gap:.5rem;background:var(--navy);color:#fff;font-size:.82rem;font-weight:600;letter-spacing:.03em;padding:.5rem 1.1rem;border-radius:50px;margin-bottom:1.4rem}
.fid-ribbon .spark{color:var(--gold)}
.fid-list{margin-top:2rem;display:flex;flex-direction:column;gap:1.1rem}
.fid-li{display:flex;gap:.9rem;align-items:flex-start;font-size:.98rem;color:var(--text)}
.fid-li .chk{width:24px;height:24px;min-width:24px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;margin-top:1px}
.fid-panel{background:linear-gradient(160deg,var(--navy),var(--navy2));border-radius:24px;padding:3rem;color:#fff;position:relative;overflow:hidden;box-shadow:0 30px 70px rgba(10,26,51,.25)}
.fid-panel::after{content:'';position:absolute;width:240px;height:240px;background:radial-gradient(circle,rgba(212,178,122,.3),transparent 70%);top:-70px;right:-70px}
.fid-tag{display:inline-block;background:var(--gold);color:var(--navy);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:.35rem .9rem;border-radius:50px;margin-bottom:1.4rem}
.fid-panel h3{font-family:'Cormorant Garamond',serif;font-size:2rem;font-weight:700;margin-bottom:.8rem;line-height:1.15;position:relative}
.fid-panel p{color:rgba(255,255,255,.6);font-size:.96rem;font-weight:300;margin-bottom:1.8rem;position:relative}
.fid-price{display:flex;align-items:baseline;gap:.6rem;position:relative}
.fid-price .old{color:rgba(255,255,255,.4);text-decoration:line-through;font-size:1.1rem}
.fid-price .new{font-family:'Cormorant Garamond',serif;font-size:2.4rem;font-weight:700;color:var(--gold)}
.fid-price .lbl{color:rgba(255,255,255,.55);font-size:.85rem}
.fid-next{margin-top:1rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.65);font-size:.9rem;position:relative}
.fid-next strong{color:var(--gold);font-weight:600}

/* SIMULATEUR FISCAL */
#simulateur{background:var(--white);position:relative}
.sim-head{text-align:center;margin-bottom:3rem}
.sim-head .section-desc{margin:0 auto}
.sim-wrap{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:24px;overflow:hidden;box-shadow:0 30px 70px rgba(10,26,51,.14);border:1px solid var(--border)}
.sim-form{padding:3rem;background:var(--white)}
.sim-form h3{font-family:'Cormorant Garamond',serif;font-size:1.6rem;color:var(--navy);margin-bottom:1.8rem;font-weight:700}
.sim-grp{margin-bottom:1.5rem}
.sim-grp label{display:block;font-size:.85rem;font-weight:500;color:var(--navy);margin-bottom:.55rem}
.sim-grp label .hint{color:var(--muted);font-weight:400;font-size:.78rem}
.sim-input{position:relative}
.sim-input input,.sim-grp select{width:100%;background:var(--light);border:1px solid var(--border);border-radius:10px;padding:.85rem 1rem;font-family:'Archivo';font-size:.95rem;color:var(--navy);outline:none;transition:border-color .2s,box-shadow .2s}
.sim-input input:focus,.sim-grp select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,201,.1)}
.sim-input .suffix{position:absolute;right:1rem;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.9rem;pointer-events:none}
.sim-toggle{display:flex;gap:.5rem;background:var(--light);padding:.35rem;border-radius:12px;border:1px solid var(--border)}
.sim-toggle button{flex:1;border:none;background:transparent;padding:.7rem;border-radius:9px;font-family:'Archivo';font-size:.88rem;font-weight:500;color:var(--muted);cursor:pointer;transition:.2s}
.sim-toggle button.active{background:var(--navy);color:#fff;box-shadow:0 4px 12px rgba(10,26,51,.2)}
.sim-slider{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:3px;background:var(--border);outline:none;margin-top:.3rem}
.sim-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--gold);cursor:pointer;box-shadow:0 2px 8px rgba(212,178,122,.5);border:3px solid #fff}
.sim-slider::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid #fff}
.sim-slidercap{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted);margin-top:.5rem}
.sim-slideval{text-align:center;font-family:'Cormorant Garamond',serif;font-size:1.5rem;font-weight:700;color:var(--navy);margin-top:.4rem}
.sim-result{padding:3rem;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden}
.sim-result::after{content:'';position:absolute;width:260px;height:260px;background:radial-gradient(circle,rgba(212,178,122,.25),transparent 70%);top:-80px;right:-80px}
.sim-result-label{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.8rem;position:relative}
.sim-result-big{font-family:'Cormorant Garamond',serif;font-size:4rem;font-weight:700;line-height:1;margin-bottom:.3rem;position:relative;transition:opacity .3s}
.sim-result-big .cur{font-size:1.6rem;color:var(--gold);vertical-align:top}
.sim-result-sub{color:rgba(255,255,255,.6);font-size:.95rem;margin-bottom:2rem;font-weight:300;position:relative}
.sim-breakdown{display:flex;flex-direction:column;gap:.9rem;position:relative;border-top:1px solid rgba(255,255,255,.12);padding-top:1.6rem}
.sim-brk{display:flex;justify-content:space-between;font-size:.9rem}
.sim-brk span:first-child{color:rgba(255,255,255,.6)}
.sim-brk span:last-child{font-weight:600;color:#fff}
.sim-brk.total span{color:var(--gold);font-weight:700;font-size:1.05rem}
.sim-cta{margin-top:2rem;position:relative}
.sim-cta a{display:block;text-align:center;background:var(--gold);color:var(--navy);padding:1rem;border-radius:50px;font-weight:600;text-decoration:none;transition:transform .2s,box-shadow .2s;font-size:.98rem}
.sim-cta a:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(212,178,122,.4)}
.sim-disclaimer{max-width:1000px;margin:1.5rem auto 0;text-align:center;font-size:.78rem;color:var(--muted);font-style:italic}

/* SIMULATEUR LAMAL */
#simlamal{background:var(--light)}
.lamal-wrap{max-width:1000px;margin:0 auto;display:grid;grid-template-columns:0.9fr 1.1fr;gap:0;border-radius:24px;overflow:hidden;box-shadow:0 30px 70px rgba(10,26,51,.14);border:1px solid var(--border)}
.lamal-form{padding:3rem;background:var(--white)}
.lamal-form h3{font-family:'Cormorant Garamond',serif;font-size:1.6rem;color:var(--navy);margin-bottom:1.8rem;font-weight:700}
.lamal-results{padding:2.6rem;background:linear-gradient(160deg,var(--navy),var(--navy2));position:relative;overflow:hidden}
.lamal-results::after{content:'';position:absolute;width:260px;height:260px;background:radial-gradient(circle,rgba(212,178,122,.2),transparent 70%);top:-80px;right:-80px}
.lamal-results-h{color:var(--gold);font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:1.4rem;position:relative}
.lamal-list{display:flex;flex-direction:column;gap:.7rem;position:relative}
.lamal-row{display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:1rem 1.2rem;transition:transform .2s}
.lamal-row:hover{transform:translateX(3px)}
.lamal-row .caisse{display:flex;align-items:center;gap:.8rem}
.lamal-row .rank{width:26px;height:26px;min-width:26px;border-radius:50%;background:rgba(212,178,122,.2);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:700}
.lamal-row .cname{color:#fff;font-weight:500;font-size:.95rem}
.lamal-row .cprice{color:#fff;font-weight:600;font-size:1.05rem}
.lamal-row .cprice small{font-weight:400;color:rgba(255,255,255,.5);font-size:.75rem}
.lamal-row.best{background:linear-gradient(100deg,rgba(212,178,122,.22),rgba(212,178,122,.08));border-color:rgba(212,178,122,.4)}
.lamal-row.locked{position:relative}
.lamal-row.locked .cname{filter:blur(5px);user-select:none}
.lamal-best-badge{display:inline-block;background:var(--gold);color:var(--navy);font-size:.62rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.15rem .5rem;border-radius:50px;margin-left:.5rem;vertical-align:middle}
.lamal-locked-cta{margin-top:1.4rem;position:relative}
.lamal-locked-cta a{display:flex;align-items:center;justify-content:center;gap:.5rem;background:var(--gold);color:var(--navy);padding:1rem;border-radius:50px;font-weight:600;text-decoration:none;transition:transform .2s,box-shadow .2s;font-size:.98rem}
.lamal-locked-cta a:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(212,178,122,.4)}
.lamal-save{text-align:center;margin-top:1rem;color:rgba(255,255,255,.7);font-size:.85rem;position:relative}
.lamal-save strong{color:var(--gold)}
.lamal-empty{color:rgba(255,255,255,.5);font-size:.95rem;text-align:center;padding:3rem 1rem;position:relative}

/* EQUIPE */
#equipe{background:var(--light)}
.eq-head{text-align:center;margin-bottom:3.5rem}
.eq-head .section-desc{margin:0 auto}
.eq-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.6rem;max-width:1200px;margin:0 auto}
.eq-grid-2{grid-template-columns:repeat(2,1fr);max-width:760px}
.eq-creds{max-width:780px;margin:1.6rem auto 0;font-size:1.05rem;color:var(--text);font-weight:300;text-align:center}
.eq-creds strong{font-weight:600;color:var(--navy)}
.eq-badges{display:flex;justify-content:center;flex-wrap:wrap;gap:.8rem;max-width:900px;margin:2.2rem auto 0}
.eq-badge{display:inline-flex;align-items:center;gap:.55rem;background:var(--white);border:1px solid var(--border);border-radius:50px;padding:.6rem 1.2rem;font-size:.88rem;color:var(--navy);font-weight:500;box-shadow:0 4px 14px rgba(10,26,51,.05)}
.eq-badge .bi{font-size:1rem}
.member{background:var(--white);border-radius:20px;overflow:hidden;border:1px solid var(--border);transition:transform .35s,box-shadow .35s}
.member:hover{transform:translateY(-8px);box-shadow:0 24px 50px rgba(10,26,51,.14)}
.member-photo{aspect-ratio:1;position:relative;display:flex;align-items:flex-end;justify-content:center;overflow:hidden}
.member-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center top}
.member-photo .ini{font-family:'Cormorant Garamond',serif;font-size:4rem;font-weight:700;color:rgba(255,255,255,.9);position:absolute;top:50%;left:50%;transform:translate(-50%,-50%)}
.m1{background:linear-gradient(160deg,#2563C9,#0A1A33)}
.m2{background:linear-gradient(160deg,#D4B27A,#8a6d3f)}
.m3{background:linear-gradient(160deg,#3a7bd5,#1a2535)}
.m4{background:linear-gradient(160deg,#1d4e89,#0A1A33)}
.member-info{padding:1.6rem}
.member-info h4{font-family:'Cormorant Garamond',serif;font-size:1.2rem;color:var(--navy);font-weight:600}
.member-info .role{color:var(--blue);font-size:.85rem;font-weight:500;margin-bottom:.7rem}
.member-info p{color:var(--muted);font-size:.86rem;font-weight:300}
.member-social{display:flex;gap:.6rem;margin-top:1rem}
.member-social a{width:32px;height:32px;border-radius:8px;background:var(--light);display:flex;align-items:center;justify-content:center;color:var(--muted);text-decoration:none;font-size:.8rem;transition:background .2s,color .2s}
.member-social a:hover{background:var(--navy);color:#fff}

/* TEMOIGNAGES */
#temoignages{background:var(--white)}
.tem-head{text-align:center;margin-bottom:3.5rem}
.tem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;max-width:1150px;margin:0 auto}
.tem-card{background:var(--cream);border-radius:20px;padding:2.2rem;position:relative}
.tem-quote{font-family:'Cormorant Garamond',serif;font-size:4rem;color:var(--gold);opacity:.4;line-height:.6;position:absolute;top:1.5rem;left:1.5rem}
.tem-stars{color:var(--gold);margin-bottom:1rem;font-size:.95rem;position:relative;z-index:1;padding-top:1.5rem}
.tem-text{font-size:.98rem;color:var(--text);margin-bottom:1.5rem;font-weight:300;position:relative;z-index:1}
.tem-author{display:flex;align-items:center;gap:.9rem}
.tem-av{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--navy));display:flex;align-items:center;justify-content:center;color:#fff;font-weight:600;font-size:.95rem}
.tem-author h5{font-weight:600;color:var(--navy);font-size:.95rem}
.tem-author span{color:var(--muted);font-size:.82rem}

/* CTA + CONTACT */
#contact{background:var(--navy);position:relative;overflow:hidden}
#contact .c-bg{position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 20% 50%,rgba(37,99,201,.35),transparent 65%)}
.c-inner{position:relative;max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1.25fr;gap:5rem;align-items:start}
.c-info .section-title{color:#fff}.c-info .section-desc{color:rgba(255,255,255,.55)}
.c-details{margin-top:2.6rem;display:flex;flex-direction:column;gap:1.4rem}
.c-item{display:flex;gap:1rem;align-items:flex-start}
.c-ic{width:46px;height:46px;min-width:46px;border-radius:12px;background:rgba(212,178,122,.12);border:1px solid rgba(212,178,122,.25);display:flex;align-items:center;justify-content:center;font-size:1.1rem}
.c-item h4{color:var(--gold);font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.25rem}
.c-item p{color:rgba(255,255,255,.7);font-size:.95rem}
.c-form{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:2.8rem}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1.1rem}
.f-grp{display:flex;flex-direction:column;gap:.45rem;margin-bottom:1.1rem}
.f-grp label{font-size:.78rem;letter-spacing:.05em;color:rgba(255,255,255,.55);font-weight:500}
.f-grp input,.f-grp select,.f-grp textarea{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:.85rem 1rem;color:#fff;font-family:'Archivo';font-size:.92rem;outline:none;transition:border-color .2s,background .2s;width:100%}
.f-grp input:focus,.f-grp select:focus,.f-grp textarea:focus{border-color:var(--gold);background:rgba(255,255,255,.09)}
.f-grp select option{background:var(--navy)}
.f-grp textarea{resize:vertical;min-height:90px}
.f-submit{width:100%;background:var(--gold);color:var(--navy);border:none;padding:1.05rem;border-radius:50px;font-family:'Archivo';font-size:1rem;font-weight:600;cursor:pointer;transition:transform .2s,box-shadow .2s;margin-top:.5rem}
.f-submit:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(212,178,122,.4)}

/* CROSS-LINKS (bas de page service) */
#cross{background:var(--light)}
.cross-inner{max-width:1000px;margin:0 auto;text-align:center}
.cross-title{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:1.4rem;font-weight:600}
.cross-row{display:flex;flex-wrap:wrap;justify-content:center;gap:.8rem}
.cross-row a{background:var(--white);border:1px solid var(--border);border-radius:50px;padding:.7rem 1.5rem;font-size:.9rem;font-weight:500;color:var(--navy);text-decoration:none;transition:.2s}
.cross-row a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}

/* FOOTER */
footer{background:#06101F;padding:3.5rem 5% 2rem}
.foot-top{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.08)}
.foot-brand .logo{margin-bottom:1rem}
.foot-brand p{color:rgba(255,255,255,.4);font-size:.9rem;font-weight:300;max-width:280px}
.foot-col h5{color:#fff;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:1.1rem}
.foot-col a{display:block;color:rgba(255,255,255,.45);text-decoration:none;font-size:.9rem;margin-bottom:.65rem;transition:color .2s}
.foot-col a:hover{color:var(--gold)}
.foot-bottom{max-width:1200px;margin:0 auto;padding-top:1.8rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem}
.foot-bottom p{color:rgba(255,255,255,.3);font-size:.82rem}
.foot-bottom-links a{color:rgba(255,255,255,.3);text-decoration:none}
.foot-bottom-links a:hover{color:var(--gold)}

@keyframes fadeUp{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}
.reveal{opacity:0;transform:translateY(34px);transition:opacity .8s ease,transform .8s ease}
.reveal.vis{opacity:1;transform:none}

@media(max-width:1000px){
  .offres-grid,.tem-grid,.why-grid,.svc-grid,.comp-grid{grid-template-columns:1fr 1fr}
  .eq-grid{grid-template-columns:1fr 1fr}
  .ap-inner,.c-inner,.fid-inner,.sim-wrap,.lamal-wrap{grid-template-columns:1fr;gap:3.5rem}
  .sim-wrap,.lamal-wrap{gap:0}
  .ap-visual{max-width:420px;margin:0 auto}
  .stats-grid{grid-template-columns:1fr 1fr;gap:2.5rem}
  .foot-top{grid-template-columns:1fr 1fr;gap:2rem}
}
@media(max-width:860px){
  nav{backdrop-filter:none}
  .nav-links,.nav-cta{display:none}
  .hamburger{display:flex}
  .nav-links.mobile-open{
    display:flex;flex-direction:column;gap:0;
    position:fixed;top:0;right:0;bottom:0;left:0;
    background:#0A1A33;
    padding:6rem 2rem 2rem;z-index:98;
    align-items:stretch;overflow-y:auto;
  }
  .nav-links.mobile-open li{list-style:none;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav-links.mobile-open>li>a{
    display:block;padding:1.2rem .5rem;font-size:1.15rem;color:#fff;
  }
  .nav-links.mobile-open>li>a::after{display:none}
  .nav-links.mobile-open .nav-dd-menu{
    position:static;transform:none;opacity:1;visibility:visible;
    background:transparent;box-shadow:none;padding:0 0 .8rem;min-width:0;
  }
  .nav-links.mobile-open .nav-dd-item{padding:.7rem .5rem}
  .nav-links.mobile-open .nav-dd-item h5{color:var(--gold)}
  .nav-links.mobile-open .nav-dd-item p{color:rgba(255,255,255,.5)}
  .nav-links.mobile-open .nav-dd-item:hover{background:rgba(255,255,255,.04)}
  .nav-links.mobile-open .nav-dd>a .caret{display:none}
  .nav-links.mobile-open .nav-dd>a{padding-bottom:.4rem;color:var(--gold);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em}
}
@media(max-width:640px){
  .offres-grid,.tem-grid,.eq-grid,.why-grid,.svc-grid,.comp-grid{grid-template-columns:1fr}
  .f-row{grid-template-columns:1fr}
  .hero-title{font-size:2.6rem}
  .page-hero{padding:8rem 5% 3.5rem}
  section{padding:4.5rem 5%}
}