/* ============================================================
   Permanence Fiduciaire — feuille de style partagée (tout le site)
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:        #1B2A4A;
  --navy-light:  #2E5BA8;
  --navy-hover:  #243a63;
  --navy-8:      rgba(27,42,74,0.08);
  --navy-4:      rgba(27,42,74,0.04);
  --blue-pale:   #F0F4FA;
  --blue-border: #C8D4E8;
  --blue-mid:    #5A6A85;
  --white:       #FFFFFF;
  --ink:         #1A1A1A;
  --muted:       #5A6A85;
  --line:        #C8D4E8;
  --max:         1160px;
  --r:           6px;
}

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  line-height: 1.7;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }

/* ── Typography ── */
h1, h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 400;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.6rem, 5.5vw, 4.2rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
h3 {
  font-family: 'Inter', sans-serif;
  font-size: clamp(1rem, 1.4vw, 1.12rem);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
  letter-spacing: -0.01em;
}
p { color: var(--ink); }

.eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--navy-light);
  margin-bottom: 14px;
}

/* ── Layout ── */
.wrap { width: min(100% - 48px, var(--max)); margin-inline: auto; }
section { padding: 96px 0; }
main > section + section { border-top: 1px solid var(--line); }

.section-intro {
  max-width: 660px;
  margin-top: 18px;
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.78;
}

.accent-bar {
  width: 32px;
  height: 2px;
  background: var(--navy-light);
  margin-bottom: 18px;
}

/* ── Header ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: 70px;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  width: min(100% - 48px, var(--max));
  margin-inline: auto;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 11px;
  font-family: 'Playfair Display', serif;
  font-size: 1.05rem;
  color: var(--navy);
  white-space: nowrap;
  flex-shrink: 0;
}
.brand-mark {
  width: 34px;
  height: 34px;
  background: var(--navy);
  color: var(--white);
  display: grid;
  place-items: center;
  font-family: 'Playfair Display', serif;
  font-size: 0.95rem;
  border-radius: 4px;
  flex-shrink: 0;
}
.desktop-nav {
  display: flex;
  align-items: center;
  gap: 26px;
  font-size: 0.86rem;
  font-weight: 500;
  color: var(--muted);
}
.desktop-nav a { transition: color 180ms; }
.desktop-nav a:hover { color: var(--navy); }
.desktop-nav a.active { color: var(--navy); }

.header-cta {
  display: inline-flex;
  align-items: center;
  height: 38px;
  padding: 0 18px;
  background: var(--navy);
  color: var(--white);
  font-size: 0.84rem;
  font-weight: 500;
  border-radius: var(--r);
  transition: background 180ms;
  white-space: nowrap;
  flex-shrink: 0;
}
.header-cta:hover { background: var(--navy-hover); }

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 7px 11px;
  font-size: 1rem;
  cursor: pointer;
  color: var(--navy);
}

/* ── Mobile nav ── */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 70px 0 0;
  background: var(--white);
  padding: 24px;
  z-index: 99;
  border-top: 1px solid var(--line);
  flex-direction: column;
  gap: 0;
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  display: block;
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
  font-weight: 500;
  color: var(--navy);
  font-size: 1rem;
}

/* ── Buttons ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  height: 46px;
  padding: 0 26px;
  background: var(--navy);
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: var(--r);
  border: 1px solid var(--navy);
  cursor: pointer;
  transition: background 180ms;
  font-family: 'Inter', sans-serif;
}
.btn-primary:hover { background: var(--navy-hover); border-color: var(--navy-hover); }

.btn-secondary {
  display: inline-flex;
  align-items: center;
  height: 46px;
  padding: 0 26px;
  background: transparent;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: var(--r);
  border: 1px solid var(--navy);
  cursor: pointer;
  transition: background 180ms;
  font-family: 'Inter', sans-serif;
}
.btn-secondary:hover { background: var(--navy-8); }

/* ── Hero ── */
.hero { padding: 88px 0 80px; border-top: none; }
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 72px;
  align-items: start;
}
.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy-light);
  margin-bottom: 22px;
}
.hero-kicker::before { content: ''; width: 24px; height: 1px; background: var(--navy-light); }
.hero h1 { margin-bottom: 22px; }
.hero-sub {
  font-size: clamp(1rem, 1.4vw, 1.14rem);
  color: var(--muted);
  max-width: 560px;
  margin-bottom: 28px;
  line-height: 1.7;
}
.hero-domains { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 36px; }
.domain-tag {
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--navy);
  background: var(--blue-pale);
  border: 1px solid var(--blue-border);
  border-radius: 4px;
  padding: 4px 11px;
}
.hero-buttons { display: flex; gap: 11px; flex-wrap: wrap; }

.hero-panel {
  background: var(--blue-pale);
  border: 1px solid var(--blue-border);
  border-radius: var(--r);
  padding: 32px 28px;
  position: sticky;
  top: 92px;
}
.hero-panel-title {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--blue-border);
}
.guarantee-list { list-style: none; display: grid; gap: 14px; }
.guarantee-list li {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  font-size: 0.9rem;
  color: var(--navy);
  line-height: 1.5;
}
.guarantee-list li::before {
  content: '';
  width: 17px;
  height: 17px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--navy-light);
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg width='9' height='7' viewBox='0 0 9 7' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 3.5L3.2 5.8L8 1' stroke='%232E5BA8' stroke-width='1.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
}
.geo-note {
  margin-top: 24px;
  padding-top: 18px;
  border-top: 1px solid var(--blue-border);
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.65;
}

/* ── Concept ── */
.concept-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; margin-top: 48px; }
.concept-text { display: grid; gap: 18px; }
.concept-text p { color: var(--muted); line-height: 1.8; }
.concept-callout {
  background: var(--blue-pale);
  border: 1px solid var(--blue-border);
  border-left: 3px solid var(--navy-light);
  border-radius: 0 var(--r) var(--r) 0;
  padding: 22px 26px;
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  color: var(--navy);
  line-height: 1.55;
  font-style: italic;
  margin-top: 6px;
}
.concept-right { display: grid; gap: 0; }
.concept-stat { padding: 26px 0; border-bottom: 1px solid var(--line); }
.concept-stat:first-child { border-top: 1px solid var(--line); }
.concept-stat-num { font-family: 'Playfair Display', serif; font-size: 2.2rem; color: var(--navy); line-height: 1; margin-bottom: 5px; }
.concept-stat-label { font-size: 0.86rem; color: var(--muted); line-height: 1.5; }
.concept-why { margin-top: 48px; }
.concept-why-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 22px; }

/* ── Pour qui ── */
.situations-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; margin-top: 48px; border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
.situation-item {
  padding: 22px 26px;
  border-bottom: 1px solid var(--line);
  border-right: 1px solid var(--line);
  font-size: 0.93rem;
  color: var(--ink);
  line-height: 1.62;
  display: flex;
  align-items: flex-start;
  gap: 13px;
  background: var(--white);
  transition: background 180ms;
}
.situation-item:hover { background: var(--blue-pale); }
.situation-item:nth-child(even) { border-right: none; }
.situation-item:nth-last-child(-n+2) { border-bottom: none; }
.situation-num { font-size: 0.68rem; font-weight: 600; color: var(--navy-light); margin-top: 3px; flex-shrink: 0; letter-spacing: 0.06em; }
.situations-closing { margin-top: 28px; font-size: 0.9rem; color: var(--muted); font-style: italic; display: flex; align-items: center; gap: 12px; }
.situations-closing::before { content: ''; width: 22px; height: 1px; background: var(--navy-light); flex-shrink: 0; }

/* ── Services ── */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; margin-top: 48px; }
.service-card { background: var(--white); padding: 32px 28px; display: flex; flex-direction: column; gap: 12px; transition: background 180ms; }
.service-card:hover { background: var(--blue-pale); }
.service-icon { width: 38px; height: 38px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: 5px; display: grid; place-items: center; margin-bottom: 2px; }
.service-icon svg { width: 18px; height: 18px; stroke: var(--navy-light); fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.service-card h3 { margin-bottom: 0; }
.service-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.72; }
.service-note { margin-top: 24px; padding: 18px 22px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: var(--r); font-size: 0.86rem; color: var(--muted); line-height: 1.62; }

/* ── Limites ── */
.limits-section { background: var(--blue-pale); }
.limits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 48px; }
.limit-card { background: var(--white); border: 1px solid var(--blue-border); border-radius: var(--r); padding: 26px 24px; display: grid; gap: 8px; }
.limit-card h3 { font-size: 0.98rem; }
.limit-card p { font-size: 0.88rem; color: var(--muted); line-height: 1.68; }
.limit-num { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase; color: var(--navy-light); }
.limits-closing { margin-top: 28px; padding: 18px 22px; background: var(--white); border: 1px solid var(--blue-border); border-left: 3px solid var(--navy-light); border-radius: 0 var(--r) var(--r) 0; font-size: 0.9rem; color: var(--navy); line-height: 1.65; }

/* ── Diagnostic ── */
.diagnostic-section { background: var(--blue-pale); }
.diag-wrap { max-width: 700px; margin: 48px auto 0; background: var(--white); border: 1px solid var(--blue-border); border-radius: var(--r); overflow: hidden; }
.diag-header { padding: 24px 32px; border-bottom: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; gap: 20px; background: var(--white); }
.diag-step-label { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.diag-progress { flex: 1; max-width: 180px; height: 2px; background: var(--line); border-radius: 2px; overflow: hidden; }
.diag-progress-fill { height: 100%; background: var(--navy-light); border-radius: 2px; transition: width 300ms ease; }
.diag-body { padding: 32px; }
.diag-question { font-family: 'Playfair Display', serif; font-size: 1.25rem; color: var(--navy); margin-bottom: 7px; line-height: 1.3; }
.diag-help { font-size: 0.86rem; color: var(--muted); margin-bottom: 22px; line-height: 1.55; }
.diag-options { display: grid; gap: 7px; margin-bottom: 26px; }
.diag-option { display: flex; align-items: flex-start; gap: 12px; padding: 13px 16px; border: 1px solid var(--line); border-radius: 5px; cursor: pointer; background: var(--white); transition: border-color 150ms, background 150ms; user-select: none; }
.diag-option:hover { border-color: var(--navy-light); background: var(--blue-pale); }
.diag-option.selected { border-color: var(--navy); background: var(--blue-pale); box-shadow: inset 0 0 0 1px var(--navy); }
.diag-radio { width: 15px; height: 15px; border-radius: 50%; border: 1.5px solid var(--line); flex-shrink: 0; margin-top: 3px; transition: border-color 150ms, background 150ms; }
.diag-option.selected .diag-radio { border-color: var(--navy); background: var(--navy); background-image: url("data:image/svg+xml,%3Csvg width='7' height='7' viewBox='0 0 7 7' xmlns='http://www.w3.org/2000/svg'%3E%3Ccircle cx='3.5' cy='3.5' r='2' fill='white'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: center; }
.diag-option-text { font-size: 0.9rem; color: var(--ink); line-height: 1.52; }
.diag-nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.diag-nav-info { font-size: 0.78rem; color: var(--muted); }
.diag-btn { display: inline-flex; align-items: center; height: 38px; padding: 0 18px; border-radius: 5px; font-size: 0.86rem; font-weight: 500; font-family: 'Inter', sans-serif; cursor: pointer; transition: background 150ms; border: 1px solid var(--line); background: var(--white); color: var(--navy); }
.diag-btn:hover { background: var(--blue-pale); border-color: var(--blue-border); }
.diag-btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.diag-btn-primary:hover { background: var(--navy-hover); border-color: var(--navy-hover); }

.diag-result { padding: 32px; }
.result-type { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--navy-light); margin-bottom: 7px; }
.result-title { font-family: 'Playfair Display', serif; font-size: 1.5rem; color: var(--navy); margin-bottom: 14px; line-height: 1.2; }
.result-badges { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 22px; }
.result-badge { font-size: 0.76rem; padding: 3px 11px; border-radius: 20px; border: 1px solid; }
.badge-ok     { background: #EAF3DE; color: #173404; border-color: #C0DD97; }
.badge-warn   { background: #FAEEDA; color: #633806; border-color: #FAC775; }
.badge-urgent { background: #FAECE7; color: #4A1B0C; border-color: #F5C4B3; }
.badge-neutral{ background: var(--blue-pale); color: var(--muted); border-color: var(--blue-border); }
.result-urgency { padding: 14px 18px; border-radius: var(--r); margin-bottom: 22px; border: 1px solid; }
.urgency-low  { background: #EAF3DE; border-color: #C0DD97; }
.urgency-mid  { background: #FAEEDA; border-color: #FAC775; }
.urgency-high { background: #FAECE7; border-color: #F5C4B3; }
.urgency-label { font-size: 0.7rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 3px; }
.urgency-low .urgency-label  { color: #3B6D11; }
.urgency-mid .urgency-label  { color: #854F0B; }
.urgency-high .urgency-label { color: #993C1D; }
.urgency-text { font-size: 0.87rem; line-height: 1.55; }
.urgency-low .urgency-text  { color: #27500A; }
.urgency-mid .urgency-text  { color: #633806; }
.urgency-high .urgency-text { color: #4A1B0C; }
.result-section { margin-bottom: 18px; }
.result-section-label { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); margin-bottom: 7px; }
.result-section p { font-size: 0.9rem; color: var(--ink); line-height: 1.72; }
.result-divider { height: 1px; background: var(--line); margin: 18px 0; }
.result-pills { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 7px; }
.result-pill { font-size: 0.78rem; padding: 3px 11px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: 20px; color: var(--muted); }
.result-actions { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 22px; padding-top: 22px; border-top: 1px solid var(--line); }

/* ── Méthode ── */
.method-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; margin-top: 48px; align-items: start; }
.steps { display: grid; gap: 0; }
.step { display: grid; grid-template-columns: 48px 1fr; gap: 22px; padding: 26px 0; border-bottom: 1px solid var(--line); align-items: start; }
.step:first-child { padding-top: 0; }
.step-num { width: 38px; height: 38px; background: var(--navy); color: var(--white); display: grid; place-items: center; border-radius: 4px; font-size: 0.78rem; font-weight: 600; flex-shrink: 0; margin-top: 2px; }
.step-content h3 { margin-bottom: 7px; }
.step-content p { font-size: 0.9rem; color: var(--muted); line-height: 1.72; }
.access-cards { display: grid; gap: 10px; }
.access-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; display: grid; gap: 6px; }
.access-card-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase; color: var(--navy-light); }
.access-card h3 { font-size: 0.96rem; margin-bottom: 0; }
.access-card p { font-size: 0.86rem; color: var(--muted); line-height: 1.65; }
.method-callout { margin-top: 28px; padding: 18px 22px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-left: 3px solid var(--navy-light); border-radius: 0 var(--r) var(--r) 0; font-size: 0.9rem; color: var(--navy); font-style: italic; line-height: 1.6; }

/* ── Pourquoi / cartes aside ── */
.why-strong { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--navy); font-style: italic; line-height: 1.5; padding: 24px 28px; border-left: 3px solid var(--navy-light); background: var(--blue-pale); border-radius: 0 var(--r) var(--r) 0; margin-top: 6px; }
.why-aside-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 22px; display: grid; gap: 6px; }
.why-aside-card-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase; color: var(--navy-light); }
.why-aside-card p { font-size: 0.87rem; color: var(--muted); line-height: 1.65; }

/* ── Qui suis-je ── */
.about-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 72px; align-items: start; margin-top: 48px; }
.about-text { display: grid; gap: 18px; }
.about-text p { color: var(--muted); line-height: 1.82; }
.about-text p.about-lead { font-family: 'Playfair Display', Georgia, serif; font-size: 1.12rem; color: var(--navy); line-height: 1.55; }
.about-aside { display: grid; gap: 10px; }
.about-card { background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: var(--r); padding: 22px 24px; display: grid; gap: 6px; }
.about-card-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase; color: var(--navy-light); }
.about-card p { font-size: 0.88rem; color: var(--muted); line-height: 1.65; }
.about-confidential { margin-top: 10px; padding: 20px 24px; border-left: 3px solid var(--navy-light); background: var(--blue-pale); border-radius: 0 var(--r) var(--r) 0; color: var(--navy); font-size: 0.94rem; line-height: 1.7; }

/* ── Articles (cartes sur pages principales) ── */
.articles-section { background: var(--blue-pale); }
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 48px; }
.article-card { background: var(--white); border: 1px solid var(--blue-border); border-radius: var(--r); padding: 26px; min-height: 180px; display: flex; flex-direction: column; gap: 12px; justify-content: space-between; transition: background 180ms; }
.article-card:hover { background: var(--blue-pale); }
.article-card h3 { font-size: 1rem; }
.article-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.7; }
.article-status { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.13em; text-transform: uppercase; color: var(--navy-light); }

/* ── FAQ ── */
.faq-grid { display: grid; grid-template-columns: 300px 1fr; gap: 72px; align-items: start; margin-top: 48px; }
.faq-intro p { font-size: 0.93rem; color: var(--muted); line-height: 1.78; margin-top: 14px; }
.faq-list { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
details { background: var(--white); transition: background 180ms; }
details[open] { background: var(--blue-pale); }
summary { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 20px 26px; cursor: pointer; font-weight: 500; font-size: 0.93rem; color: var(--navy); list-style: none; user-select: none; }
summary::-webkit-details-marker { display: none; }
.summary-icon { width: 22px; height: 22px; border-radius: 50%; background: var(--navy-8); display: grid; place-items: center; flex-shrink: 0; font-size: 0.95rem; color: var(--navy); transition: transform 200ms; line-height: 1; }
details[open] .summary-icon { transform: rotate(45deg); }
.faq-body { padding: 0 26px 22px; font-size: 0.9rem; color: var(--muted); line-height: 1.78; }

/* ── Contact (dark) ── */
.contact-section { background: var(--navy); }
.contact-section .eyebrow { color: var(--blue-border); }
.contact-section h2 { color: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 500px; gap: 72px; align-items: start; margin-top: 48px; }
.contact-intro p { color: rgba(255,255,255,0.62); line-height: 1.8; margin-top: 14px; font-size: 0.93rem; }
.contact-note { margin-top: 22px; padding: 14px 18px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.10); border-radius: var(--r); font-size: 0.82rem; color: rgba(255,255,255,0.45); line-height: 1.6; }
.contact-guarantees { display: grid; gap: 11px; margin-top: 28px; }
.contact-guarantee { display: flex; align-items: center; gap: 11px; font-size: 0.86rem; color: rgba(255,255,255,0.6); }
.contact-guarantee::before { content: ''; width: 4px; height: 4px; border-radius: 50%; background: var(--navy-light); flex-shrink: 0; }
.contact-info-list { display: grid; gap: 10px; margin-top: 22px; }
.contact-info-item { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.10); border-radius: var(--r); padding: 14px 18px; font-size: 0.86rem; color: rgba(255,255,255,0.66); line-height: 1.6; }
.contact-info-item strong { color: var(--white); font-weight: 500; }
.contact-info-item a { color: var(--white); text-decoration: underline; text-underline-offset: 3px; }
.contact-actions { display: grid; gap: 10px; margin-top: 22px; }
.contact-actions a { justify-content: center; }

/* Form */
.contact-form-card { background: var(--white); border-radius: var(--r); padding: 36px 32px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.full { grid-column: 1 / -1; }
.form-field { display: flex; flex-direction: column; gap: 5px; }
.form-field label { font-size: 0.76rem; font-weight: 600; color: var(--navy); letter-spacing: 0.04em; }
.form-field input, .form-field select, .form-field textarea { width: 100%; font-family: 'Inter', sans-serif; font-size: 0.9rem; color: var(--ink); background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: 5px; padding: 10px 13px; transition: border-color 180ms, box-shadow 180ms; appearance: none; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(27,42,74,0.08); background: var(--white); }
.form-field textarea { min-height: 110px; resize: vertical; }
.form-select-wrap { position: relative; }
.form-select-wrap::after { content: ''; position: absolute; right: 13px; top: 50%; transform: translateY(-50%); width: 0; height: 0; border-left: 4px solid transparent; border-right: 4px solid transparent; border-top: 5px solid var(--muted); pointer-events: none; }
.form-select-wrap select { padding-right: 34px; }
.form-submit { width: 100%; height: 46px; background: var(--navy); color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.9rem; font-weight: 500; border: none; border-radius: 5px; cursor: pointer; margin-top: 6px; transition: background 180ms; }
.form-submit:hover { background: var(--navy-hover); }
.form-help { margin-top: 10px; font-size: 0.76rem; color: var(--muted); line-height: 1.6; text-align: center; }
.form-help a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.form-success { display: none; padding: 20px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-left: 3px solid var(--navy-light); border-radius: var(--r); font-size: 0.9rem; color: var(--navy); line-height: 1.65; }
.hp-field { position: absolute !important; left: -9999px !important; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* ── Sections légales ── */
.legal-section { background: var(--white); }
.legal-grid { display: grid; grid-template-columns: 300px 1fr; gap: 72px; align-items: start; margin-top: 48px; }
.legal-intro p { font-size: 0.93rem; color: var(--muted); line-height: 1.78; margin-top: 14px; }
.legal-content { display: grid; gap: 26px; }
.legal-block { display: grid; gap: 8px; }
.legal-block h3 { font-size: 1rem; }
.legal-block p { font-size: 0.9rem; color: var(--muted); line-height: 1.75; }
.legal-block ul { margin: 4px 0 0 18px; display: grid; gap: 5px; }
.legal-block li { font-size: 0.9rem; color: var(--muted); line-height: 1.7; }
.legal-block a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.legal-note { padding: 16px 20px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-left: 3px solid var(--navy-light); border-radius: 0 var(--r) var(--r) 0; font-size: 0.86rem; color: var(--navy); line-height: 1.65; }

/* ── Calculateur ── */
.calc-section { background: var(--blue-pale); }
.calc-wrap { max-width: 720px; margin: 48px auto 0; background: var(--white); border: 1px solid var(--blue-border); border-radius: var(--r); overflow: hidden; }
.calc-head { padding: 24px 32px; border-bottom: 1px solid var(--line); display: flex; align-items: center; gap: 14px; }
.calc-head-icon { width: 38px; height: 38px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: 5px; display: grid; place-items: center; flex-shrink: 0; }
.calc-head-icon svg { width: 18px; height: 18px; stroke: var(--navy-light); fill: none; stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.calc-head-title { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); line-height: 1.2; }
.calc-head-sub { font-size: 0.82rem; color: var(--muted); margin-top: 2px; }
.calc-body { padding: 32px; }
.calc-fields { display: grid; gap: 16px; margin-bottom: 24px; }
.calc-input-money { position: relative; }
.calc-input-money::before { content: 'CHF'; position: absolute; left: 13px; top: 50%; transform: translateY(-50%); font-size: 0.82rem; color: var(--muted); pointer-events: none; }
.calc-input-money input { padding-left: 46px; }
.calc-btn { width: 100%; height: 46px; background: var(--navy); color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.9rem; font-weight: 500; border: none; border-radius: 5px; cursor: pointer; transition: background 180ms; }
.calc-btn:hover { background: var(--navy-hover); }
.calc-result { display: none; margin-top: 28px; padding-top: 28px; border-top: 1px solid var(--line); }
.calc-result.show { display: block; }
.calc-disclaimer { margin-top: 20px; font-size: 0.76rem; color: var(--muted); line-height: 1.6; }
.calc-capture { margin-top: 24px; padding: 22px 24px; background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: var(--r); }
.calc-capture-title { font-size: 0.94rem; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.calc-capture-sub { font-size: 0.84rem; color: var(--muted); line-height: 1.6; margin-bottom: 14px; }
.calc-capture-row { display: flex; gap: 10px; flex-wrap: wrap; }
.calc-capture-row input { flex: 1; min-width: 200px; font-family: 'Inter', sans-serif; font-size: 0.9rem; color: var(--ink); background: var(--white); border: 1px solid var(--blue-border); border-radius: 5px; padding: 10px 13px; }
.calc-capture-row input:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(27,42,74,0.08); }
.calc-capture-btn { height: 42px; padding: 0 22px; background: var(--navy); color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.86rem; font-weight: 500; border: none; border-radius: 5px; cursor: pointer; white-space: nowrap; transition: background 180ms; }
.calc-capture-btn:hover { background: var(--navy-hover); }
.calc-capture-done { display: none; font-size: 0.88rem; color: var(--navy); line-height: 1.6; }
.calc-input-pct { position: relative; }
.calc-input-pct::after { content: '%'; position: absolute; right: 13px; top: 50%; transform: translateY(-50%); font-size: 0.82rem; color: var(--muted); pointer-events: none; }
.calc-input-pct input { padding-right: 30px; }
.calc-total { background: var(--navy); color: var(--white); border-radius: var(--r); padding: 22px 24px; margin: 4px 0 18px; }
.calc-total-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--blue-border); margin-bottom: 5px; }
.calc-total-num { font-family: 'Playfair Display', serif; font-size: 2.1rem; line-height: 1; }
.calc-total-sub { font-size: 0.8rem; color: rgba(255,255,255,0.7); margin-top: 7px; line-height: 1.5; }
.calc-lines { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; margin-top: 8px; }
.calc-line { display: flex; justify-content: space-between; gap: 12px; padding: 11px 16px; background: var(--white); font-size: 0.86rem; }
.calc-line span:first-child { color: var(--muted); }
.calc-line span:last-child { color: var(--navy); font-weight: 500; white-space: nowrap; }
.calc-line.is-total { background: var(--blue-pale); }
.calc-line.is-total span { color: var(--navy); font-weight: 600; }
.forme-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 8px; }
.forme-card { border: 1px solid var(--blue-border); border-radius: var(--r); padding: 20px; background: var(--white); display: grid; gap: 12px; align-content: start; }
.forme-card.reco { border-color: var(--navy); box-shadow: inset 0 0 0 1px var(--navy); }
.forme-head { display: flex; align-items: baseline; justify-content: space-between; gap: 8px; }
.forme-name { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); }
.forme-badge { font-size: 0.62rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--white); background: var(--navy); padding: 3px 8px; border-radius: 20px; white-space: nowrap; }
.forme-rows { display: grid; gap: 9px; }
.forme-row { font-size: 0.83rem; line-height: 1.45; color: var(--ink); }
.forme-row b { display: block; font-size: 0.62rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); font-weight: 600; margin-bottom: 2px; }

/* ── Page intro (pages internes) ── */
.page-intro { padding: 64px 0 8px; }
.page-intro h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); margin-bottom: 16px; }
.page-intro .lead { font-size: 1.1rem; color: var(--muted); max-width: 720px; line-height: 1.7; }

/* ── Footer (grouped) ── */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.58); padding: 64px 0 38px; border-top: 2px solid var(--navy-light); }
.footer-top { display: grid; grid-template-columns: 1.35fr 2fr; gap: 56px; align-items: start; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.09); margin-bottom: 26px; }
.footer-brand { font-family: 'Playfair Display', serif; font-size: 1.05rem; color: var(--white); display: flex; align-items: center; gap: 11px; margin-bottom: 16px; }
.footer-brand-mark { width: 32px; height: 32px; background: var(--navy-light); display: grid; place-items: center; border-radius: 5px; font-family: 'Playfair Display', serif; font-size: 0.9rem; color: var(--white); }
.footer-desc { font-size: 0.86rem; line-height: 1.72; max-width: 380px; color: rgba(255,255,255,0.5); }
.footer-meta { margin-top: 18px; font-size: 0.78rem; color: rgba(255,255,255,0.4); line-height: 1.8; }
.footer-meta strong { color: rgba(255,255,255,0.85); font-weight: 500; }
.footer-cols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.footer-col-title { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue-border); margin-bottom: 14px; }
.footer-col a { display: block; font-size: 0.85rem; color: rgba(255,255,255,0.55); padding: 5px 0; transition: color 160ms, padding-left 160ms; }
.footer-col a:hover { color: var(--white); padding-left: 5px; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; font-size: 0.78rem; color: rgba(255,255,255,0.4); }

/* ── Breadcrumb ── */
.breadcrumb { padding: 26px 0 0; font-size: 0.8rem; color: var(--muted); }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumb span { color: var(--blue-border); margin: 0 6px; }

/* ── Article (pages de contenu) ── */
.article-head { padding: 20px 0 40px; border-bottom: 1px solid var(--line); }
.article-cat { margin-bottom: 14px; }
.article-head h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); margin-bottom: 18px; }
.article-lead { font-size: 1.12rem; color: var(--muted); line-height: 1.7; max-width: 760px; }
.article-meta { margin-top: 20px; font-size: 0.8rem; color: var(--muted); display: flex; gap: 16px; flex-wrap: wrap; }
.article-meta strong { color: var(--navy); font-weight: 600; }
.article-grid { display: grid; grid-template-columns: 1fr 260px; gap: 56px; align-items: start; padding: 48px 0 72px; }
.prose { max-width: 720px; }
.prose h2 { font-size: clamp(1.4rem, 2.4vw, 1.8rem); margin: 40px 0 14px; }
.prose h3 { font-family: 'Inter', sans-serif; font-size: 1.08rem; font-weight: 600; color: var(--navy); margin: 26px 0 8px; }
.prose p { margin-bottom: 16px; color: var(--ink); }
.prose ul, .prose ol { margin: 0 0 18px 22px; display: grid; gap: 8px; }
.prose li { line-height: 1.7; }
.prose strong { font-weight: 600; color: var(--navy); }
.prose a { color: var(--navy-light); text-decoration: underline; text-underline-offset: 2px; }
.keybox { background: var(--blue-pale); border: 1px solid var(--blue-border); border-left: 3px solid var(--navy-light); border-radius: 0 var(--r) var(--r) 0; padding: 22px 24px; margin: 24px 0; }
.keybox-title { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--navy-light); margin-bottom: 10px; }
.keybox ul { margin: 0 0 0 18px; display: grid; gap: 7px; }
.keybox li { font-size: 0.92rem; color: var(--navy); line-height: 1.6; }
.data-table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 0.9rem; }
.data-table th, .data-table td { text-align: left; padding: 11px 14px; border: 1px solid var(--line); vertical-align: top; }
.data-table th { background: var(--blue-pale); color: var(--navy); font-weight: 600; }
.table-scroll { overflow-x: auto; }
.cta-box { background: var(--navy); color: var(--white); border-radius: var(--r); padding: 28px 30px; margin: 32px 0; }
.cta-box h3 { font-family: 'Playfair Display', serif; font-size: 1.2rem; color: var(--white); margin-bottom: 8px; }
.cta-box p { color: rgba(255,255,255,0.72); font-size: 0.92rem; margin-bottom: 16px; line-height: 1.6; }
.cta-box .btns { display: flex; gap: 10px; flex-wrap: wrap; }
.cta-btn { display: inline-flex; align-items: center; height: 42px; padding: 0 20px; border-radius: var(--r); font-size: 0.86rem; font-weight: 500; transition: background 180ms, opacity 180ms; }
.cta-btn.primary { background: var(--white); color: var(--navy); }
.cta-btn.primary:hover { opacity: 0.9; }
.cta-btn.ghost { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,0.4); }
.cta-btn.ghost:hover { background: rgba(255,255,255,0.1); }
.disclaimer { margin-top: 32px; padding: 16px 20px; border: 1px solid var(--line); border-radius: var(--r); font-size: 0.8rem; color: var(--muted); line-height: 1.6; }
.article-aside { position: sticky; top: 90px; display: grid; gap: 20px; }
.toc { border: 1px solid var(--line); border-radius: var(--r); padding: 20px; }
.toc-title { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--navy-light); margin-bottom: 12px; }
.toc a { display: block; font-size: 0.86rem; color: var(--muted); padding: 5px 0; line-height: 1.4; transition: color 150ms; }
.toc a:hover { color: var(--navy); }
.aside-card { background: var(--blue-pale); border: 1px solid var(--blue-border); border-radius: var(--r); padding: 22px; }
.aside-card-label { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--navy-light); margin-bottom: 8px; }
.aside-card p { font-size: 0.86rem; color: var(--muted); line-height: 1.6; margin-bottom: 12px; }
.aside-card a.btn { display: inline-flex; align-items: center; height: 38px; padding: 0 16px; background: var(--navy); color: var(--white); border-radius: var(--r); font-size: 0.82rem; font-weight: 500; }
.aside-card a.btn:hover { background: var(--navy-hover); }
.related { border-top: 1px solid var(--line); padding: 48px 0; }
.related h2 { font-size: 1.4rem; margin-bottom: 24px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.related-card { border: 1px solid var(--blue-border); border-radius: var(--r); padding: 22px; display: grid; gap: 8px; transition: background 180ms; }
.related-card:hover { background: var(--blue-pale); }
.related-card .cat { font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--navy-light); }
.related-card h3 { font-size: 0.98rem; font-weight: 600; color: var(--navy); font-family: 'Inter', sans-serif; line-height: 1.35; }
.related-card p { font-size: 0.86rem; color: var(--muted); line-height: 1.55; }

/* ── Hub ressources ── */
.hub-head { padding: 40px 0 8px; }
.hub-head h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin-bottom: 18px; }
.hub-lead { font-size: 1.1rem; color: var(--muted); max-width: 720px; line-height: 1.7; }
.hub-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; padding: 40px 0 72px; }
.hub-card { border: 1px solid var(--blue-border); border-radius: var(--r); padding: 26px; display: flex; flex-direction: column; gap: 10px; min-height: 190px; transition: background 180ms; }
.hub-card:hover { background: var(--blue-pale); }
.hub-card .cat { font-size: 0.66rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--navy-light); }
.hub-card h2 { font-size: 1.12rem; font-family: 'Inter', sans-serif; font-weight: 600; line-height: 1.3; letter-spacing: 0; }
.hub-card p { font-size: 0.9rem; color: var(--muted); line-height: 1.6; flex: 1; }
.hub-card .more { font-size: 0.82rem; color: var(--navy-light); font-weight: 500; }

/* ── Animations ── */
@keyframes shake { 0%,100%{ transform:translateX(0) } 20%{ transform:translateX(-5px) } 40%{ transform:translateX(5px) } 60%{ transform:translateX(-3px) } 80%{ transform:translateX(3px) } }
.shake { animation: shake 0.32s ease; }

/* ── Responsive ── */
@media (max-width: 1040px) {
  .hero-inner, .concept-grid, .about-grid, .method-grid, .faq-grid, .contact-grid, .legal-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-panel { position: static; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .articles-grid { grid-template-columns: 1fr; }
  .concept-why-cards, .limits-grid { grid-template-columns: 1fr; }
  .legal-grid { gap: 32px; }
  .footer-top { grid-template-columns: 1fr; gap: 36px; }
  .article-grid { grid-template-columns: 1fr; gap: 40px; }
  .article-aside { position: static; }
}
@media (max-width: 940px) { .hub-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 760px) {
  .related-grid { grid-template-columns: 1fr; }
}
@media (max-width: 700px) {
  .wrap { width: min(100% - 32px, var(--max)); }
  section { padding: 68px 0; }
  .hero { padding: 60px 0; }
  .desktop-nav { display: none; }
  .menu-toggle { display: block; }
  .situations-grid { grid-template-columns: 1fr; }
  .situation-item { border-right: none !important; }
  .situation-item:nth-last-child(2) { border-bottom: 1px solid var(--line) !important; }
  .services-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .full { grid-column: auto; }
  .contact-form-card { padding: 24px 18px; }
  .footer-cols { grid-template-columns: 1fr 1fr; gap: 22px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 8px; }
  .hero-inner { gap: 36px; }
}
@media (max-width: 640px) {
  .forme-grid { grid-template-columns: 1fr; }
  .hub-grid { grid-template-columns: 1fr; }
}