*{margin:0;padding:0;box-sizing:border-box}

:root{
  --bg:#f3efe8;
  --paper:#f8f4ee;
  --white:#ffffff;
  --navy:#142130;
  --navy-soft:#1d2d40;
  --navy-muted:#5b6b7b;
  --sand:#cbb89b;
  --sand-soft:#e7ddd0;
  --gold:#9e8560;
  --gold-deep:#7f6948;
  --line:rgba(20,33,48,.10);
  --text:#22303d;
  --muted:#6d7882;
  --success:#2d9b67;
  --radius-xl:32px;
  --radius-lg:22px;
  --radius-md:16px;
  --container:1180px;
  --font-display:'Cormorant Garamond', serif;
  --font-body:'Inter', sans-serif;
}

html{scroll-behavior:smooth;scroll-padding-top:110px}
body{
  font-family:var(--font-body);
  background:linear-gradient(180deg, #f7f4ee 0%, #f2ede5 100%);
  color:var(--text);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
button,input,select,textarea{font:inherit}
:focus-visible{outline:2px solid var(--gold-deep);outline-offset:3px;border-radius:6px}

.container{width:min(calc(100% - 40px), var(--container));margin:0 auto}
.section{padding:110px 0}
.kicker{
  display:inline-flex;align-items:center;gap:10px;
  font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--navy-muted);margin-bottom:16px;
}
.kicker::before{content:"";width:42px;height:1px;background:linear-gradient(90deg, var(--gold), transparent)}
.section-title{
  font-family:var(--font-display);
  font-size:clamp(2.2rem, 3.6vw, 3.4rem);
  line-height:1.06;font-weight:500;color:var(--navy);letter-spacing:-.02em;
}
.section-copy{margin-top:20px;max-width:700px;font-size:1.02rem;line-height:1.85;color:var(--muted)}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 28px;border-radius:999px;transition:.3s ease;
  border:1px solid transparent;font-size:.95rem;font-weight:500;cursor:pointer;
}
.btn-primary{
  background:linear-gradient(135deg, var(--gold) 0%, #c9aa7a 100%);
  color:#1f2430;font-weight:600;
  box-shadow:0 16px 36px rgba(158,133,96,.22);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 20px 44px rgba(158,133,96,.3)}
.btn-secondary{
  background:rgba(251,248,243,.9);border-color:rgba(20,33,48,.10);color:var(--navy);
}
.btn-secondary:hover{background:#fff;transform:translateY(-2px)}
.btn-dark{background:var(--navy);color:var(--white);box-shadow:0 14px 30px rgba(16,34,53,.18)}
.btn-dark:hover{background:#0b1a29;transform:translateY(-2px)}
.btn-ghost{background:transparent;border-color:rgba(20,33,48,.14);color:var(--navy)}
.btn-ghost:hover{background:rgba(255,255,255,.6)}
.btn-block{width:100%}
/* Un bouton masqué par l'attribut hidden doit le rester : sans cette règle, display:inline-flex l'emporte
   (ex. « Télécharger le guide » qui apparaissait après l'envoi d'un résultat de simulateur). */
.btn[hidden]{display:none}

/* nav */
.navbar{position:fixed;inset:16px 0 auto 0;z-index:60}
.nav-shell{
  width:min(calc(100% - 40px), 1240px);margin:0 auto;
  background:rgba(250,247,242,.86);
  border:1px solid rgba(20,33,48,.06);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
  border-radius:999px;box-shadow:0 14px 34px rgba(20,33,48,.06);
  padding:12px 16px;transition:.35s ease;
}
.navbar.scrolled .nav-shell{background:rgba(249,246,241,.96);box-shadow:0 16px 40px rgba(20,33,48,.10)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;min-width:0}
.brand-mark{
  width:44px;height:44px;border-radius:14px;display:grid;place-items:center;flex-shrink:0;
  background:linear-gradient(145deg, #1b2a3a 0%, #26394d 100%);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.12), 0 10px 24px rgba(20,33,48,.16);
}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-title{font-family:var(--font-display);font-size:1.4rem;color:var(--navy);font-weight:600;letter-spacing:-.02em}
.brand-sub{font-size:.68rem;color:var(--muted);letter-spacing:.16em;text-transform:uppercase;margin-top:4px}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none}
.nav-links a{font-size:.92rem;color:#3e5060;position:relative;transition:.3s;padding:4px 0}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-4px;width:0;height:1px;background:var(--gold);transition:.3s}
.nav-links a:hover{color:var(--navy)}
.nav-links a:hover::after{width:100%}
.nav-actions{display:flex;align-items:center;gap:10px}
.nav-phone{
  display:inline-flex;align-items:center;gap:8px;font-size:.92rem;font-weight:600;color:var(--navy);
  padding:12px 16px;border-radius:999px;border:1px solid rgba(20,33,48,.12);transition:.3s;
}
.nav-phone:hover{background:#fff}
.nav-actions .btn{padding:13px 22px}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;border-radius:2px;background:var(--navy);margin:5px 0;transition:.3s}

/* hero */
.hero{position:relative;padding:170px 0 90px;display:flex;align-items:center}
.hero::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(circle at 16% 22%, rgba(158,133,96,.10), transparent 22%),
    linear-gradient(180deg, rgba(255,255,255,.46), rgba(255,255,255,.08));
}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-chip{
  display:inline-flex;align-items:center;gap:10px;
  background:rgba(251,248,243,.9);border:1px solid rgba(20,33,48,.07);
  box-shadow:0 10px 24px rgba(20,33,48,.05);
  border-radius:999px;padding:9px 16px;font-size:.76rem;
  text-transform:uppercase;letter-spacing:.16em;color:var(--navy-muted);margin-bottom:26px;
}
.hero-chip .dot{width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 6px rgba(183,147,95,.16)}
.hero-title{
  font-family:var(--font-display);
  font-size:clamp(2.9rem, 5.2vw, 4.6rem);
  line-height:1;letter-spacing:-.03em;font-weight:500;color:var(--navy);
}
.hero-title em{font-style:italic;font-weight:400;color:var(--gold-deep)}
.hero-copy{max-width:560px;font-size:1.06rem;line-height:1.85;color:#536576;margin:24px 0 30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:20px}
.hero-reassure{font-size:.86rem;color:var(--muted);margin-bottom:30px}
.hero-reassure strong{color:var(--navy);font-weight:600}
.hero-proof{display:flex;flex-wrap:wrap;gap:22px 30px;align-items:center;padding-top:26px;border-top:1px solid var(--line)}
.proof-item{display:flex;align-items:center;gap:12px}
.proof-icon{
  width:40px;height:40px;border-radius:50%;display:grid;place-items:center;flex-shrink:0;
  background:rgba(16,34,53,.06);color:var(--navy)
}
.proof-text strong{display:block;font-size:.92rem;color:var(--navy)}
.proof-text span{font-size:.82rem;color:var(--muted)}

/* hero appointment card */
.hero-visual{
  border-radius:28px;overflow:hidden;line-height:0;
  box-shadow:0 30px 70px rgba(20,33,48,.16);
  border:1px solid rgba(255,255,255,.7)
}
.hero-visual img{width:100%;height:auto;display:block;aspect-ratio:16/9;object-fit:cover}
.hero-card-wrap .hero-card{margin:-56px 18px 0}
.hero-card{
  position:relative;border-radius:var(--radius-xl);padding:34px;
  background:linear-gradient(180deg, rgba(251,248,243,.97), rgba(245,239,231,.9));
  border:1px solid rgba(20,33,48,.07);
  box-shadow:0 30px 70px rgba(20,33,48,.12);
  backdrop-filter:blur(10px);overflow:hidden;
}
.hero-card::before{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg, rgba(255,255,255,.32), transparent 38%)}
.hero-card-head{position:relative;z-index:1;margin-bottom:26px}
.card-eyebrow{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.hero-card-head h2{font-family:var(--font-display);font-size:2rem;line-height:1.15;color:var(--navy);font-weight:600}
.hero-card-head p{margin-top:12px;font-size:.94rem;line-height:1.75;color:var(--muted)}
.mini-steps{position:relative;z-index:1;display:grid;gap:14px;margin-bottom:26px}
.mini-step{display:flex;gap:14px;align-items:flex-start}
.mini-num{
  width:30px;height:30px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;
  background:var(--navy);color:#fff;font-size:.8rem;font-weight:600;
}
.mini-step strong{display:block;font-size:.95rem;color:var(--navy)}
.mini-step span{font-size:.86rem;color:var(--muted);line-height:1.6}
.hero-card .btn{position:relative;z-index:1}
.card-foot{position:relative;z-index:1;margin-top:16px;text-align:center;font-size:.82rem;color:var(--muted)}
.card-foot a{color:var(--navy);font-weight:600;border-bottom:1px solid rgba(20,33,48,.18)}

/* trust strip */
.trust-strip{padding:10px 0 20px}
.trust-grid{
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  display:grid;grid-template-columns:repeat(4,1fr);
}
.trust-item{padding:26px 18px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:10px}
.trust-item svg{color:var(--gold-deep)}
.trust-title{font-family:var(--font-display);font-size:1.4rem;color:var(--navy);font-weight:600;line-height:1.2}
.trust-label{font-size:.84rem;color:var(--muted);line-height:1.6;max-width:230px}

/* about */
.about-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:40px;align-items:center}
.about-card{
  background:linear-gradient(180deg, #13273c, #0f2031);color:#fff;padding:42px;border-radius:28px;
  position:relative;overflow:hidden;box-shadow:0 28px 70px rgba(16,34,53,.18);
}
.about-card::before{content:"";position:absolute;inset:auto -10% -20% auto;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle, rgba(183,147,95,.25), transparent 68%)}
.about-card .quote{font-family:var(--font-display);font-size:1.95rem;line-height:1.22;max-width:470px;position:relative;z-index:1}
.about-card .quote small{display:block;font-family:var(--font-body);font-size:.92rem;line-height:1.8;color:rgba(255,255,255,.68);margin-top:22px}
.advisor{display:flex;align-items:center;gap:14px;margin-bottom:22px;position:relative;z-index:1}
.advisor-photo{
  width:62px;height:62px;flex:0 0 62px;border-radius:50%;object-fit:cover;
  border:1px solid rgba(232,219,200,.3);background:rgba(255,255,255,.06)
}
.advisor-initials{
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:1.35rem;font-weight:600;
  color:var(--sand);letter-spacing:.02em
}
.advisor-id{display:flex;flex-direction:column;gap:1px;min-width:0}
.advisor-id strong{font-size:1.02rem;font-weight:600;color:#fff;letter-spacing:.01em}
.advisor-id small{font-size:.8rem;color:rgba(255,255,255,.55);letter-spacing:.04em;text-transform:uppercase}
.about-points{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px}
.point{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:22px}
.point h3{font-family:var(--font-display);font-size:1.4rem;color:var(--navy);margin-bottom:8px}
.point p{font-size:.93rem;line-height:1.75;color:var(--muted)}

/* services */
.services{padding:110px 0;background:linear-gradient(180deg, rgba(255,255,255,.45), rgba(255,255,255,.7))}
.services-head{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:40px}
.services-head .section-copy{max-width:560px}
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.service{
  position:relative;display:flex;flex-direction:column;padding:30px;border-radius:26px;
  background:rgba(251,248,243,.9);border:1px solid rgba(255,255,255,.9);
  box-shadow:0 20px 50px rgba(16,34,53,.06);backdrop-filter:blur(10px);
  transition:.35s ease;overflow:hidden;
}
.service::before{content:"";position:absolute;left:0;top:0;height:100%;width:4px;background:linear-gradient(180deg, var(--gold), transparent)}
.service:hover{transform:translateY(-6px);box-shadow:0 26px 60px rgba(16,34,53,.11)}
.service-visual{
  margin:-30px -30px 22px;line-height:0;overflow:hidden;
  background:linear-gradient(180deg, #f6f1e9, #efe8dd);
  border-bottom:1px solid rgba(20,33,48,.06)
}
.service-visual img{width:100%;height:auto;display:block;aspect-ratio:4/3;object-fit:cover}
.service-icon{
  width:54px;height:54px;border-radius:18px;display:grid;place-items:center;
  background:linear-gradient(145deg, rgba(16,34,53,.05), rgba(183,147,95,.14));
  color:var(--navy);margin-bottom:20px
}
.service h3{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);margin-bottom:10px}
.service p{font-size:.94rem;line-height:1.8;color:var(--muted)}
.service .service-link{
  display:inline-flex;align-items:center;gap:8px;margin-top:auto;padding-top:20px;
  font-size:.88rem;font-weight:600;color:var(--gold-deep);transition:.3s
}
.service .service-link:hover{gap:14px;color:var(--navy)}

/* approach */
.approach{padding:110px 0}
.approach-shell{
  border-radius:34px;padding:52px;
  background:linear-gradient(135deg, #102235 0%, #18334e 55%, #22405d 100%);
  color:#fff;box-shadow:0 30px 80px rgba(16,34,53,.18);position:relative;overflow:hidden
}
.approach-shell::before{content:"";position:absolute;right:-10%;top:-20%;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle, rgba(183,147,95,.18), transparent 65%)}
.approach-bg{
  position:absolute;right:0;top:0;width:66%;height:100%;object-fit:cover;
  opacity:.2;pointer-events:none;
  -webkit-mask-image:linear-gradient(90deg, transparent, #000 58%);
          mask-image:linear-gradient(90deg, transparent, #000 58%)
}
.approach-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;position:relative;z-index:1}
.approach .section-title,.approach .kicker{color:#fff}
.approach .kicker{color:rgba(255,255,255,.75)}
.approach .section-copy{color:rgba(255,255,255,.72)}
.approach .btn{margin-top:28px}
.timeline{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.09);border-radius:24px;padding:26px}
.step-number{font-family:var(--font-display);font-size:2rem;color:var(--gold);margin-bottom:8px}
.step h4{font-family:var(--font-display);font-size:1.3rem;margin-bottom:8px}
.step p{font-size:.9rem;line-height:1.75;color:rgba(255,255,255,.74)}

/* values */
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.value{background:rgba(251,248,243,.9);border:1px solid rgba(255,255,255,.9);padding:26px;border-radius:24px;box-shadow:0 18px 42px rgba(16,34,53,.05)}
.value-badge{width:52px;height:52px;border-radius:18px;background:linear-gradient(145deg, rgba(183,147,95,.2), rgba(16,34,53,.05));display:grid;place-items:center;color:var(--navy);margin-bottom:16px}
.value h4{font-family:var(--font-display);font-size:1.35rem;color:var(--navy);margin-bottom:8px}
.value p{font-size:.9rem;line-height:1.75;color:var(--muted)}

/* faq */
.faq{padding:110px 0;background:linear-gradient(180deg, rgba(16,34,53,.03), rgba(255,255,255,.5))}
.faq-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:start}
.faq-list{display:grid;gap:12px}
.faq-item{
  background:rgba(255,255,255,.82);border:1px solid rgba(20,33,48,.07);
  border-radius:20px;padding:4px 24px;transition:.3s;
}
.faq-item[open]{background:#fff;box-shadow:0 18px 40px rgba(16,34,53,.07);border-color:rgba(158,133,96,.35)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:20px 0;display:flex;align-items:center;
  justify-content:space-between;gap:18px;font-size:1.02rem;font-weight:500;color:var(--navy);
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary .chev{
  width:28px;height:28px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;
  background:rgba(20,33,48,.06);color:var(--navy);transition:.3s;
}
.faq-item[open] summary .chev{transform:rotate(45deg);background:var(--gold);color:#fff}
.faq-item p{padding:0 0 22px;font-size:.95rem;line-height:1.85;color:var(--muted);max-width:640px}
.faq-aside{
  background:linear-gradient(180deg, #13273c, #0f2031);color:#fff;border-radius:28px;padding:34px;
  box-shadow:0 28px 70px rgba(16,34,53,.16);position:sticky;top:110px;
}
.faq-aside h3{font-family:var(--font-display);font-size:1.75rem;margin-bottom:12px}
.faq-aside p{font-size:.94rem;line-height:1.8;color:rgba(255,255,255,.68);margin-bottom:24px}
.faq-aside .btn{width:100%}
.faq-contact{margin-top:18px;display:grid;gap:10px;font-size:.92rem}
.faq-contact a{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.85)}
.faq-contact a:hover{color:#fff}

/* cta / form */
.cta{padding:110px 0}
.cta-shell{
  background:linear-gradient(135deg, rgba(255,255,255,.88), rgba(255,255,255,.64));
  border:1px solid rgba(255,255,255,.9);border-radius:34px;padding:48px;
  box-shadow:0 30px 80px rgba(16,34,53,.08);position:relative;overflow:hidden;
}
.cta-shell::before{content:"";position:absolute;right:-120px;bottom:-120px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle, rgba(183,147,95,.20), transparent 68%)}
.cta-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:40px;align-items:start;position:relative;z-index:1}
.contact-list{display:grid;gap:14px;margin-top:26px}
.contact-direct{display:grid;gap:10px;margin-top:28px;padding-top:26px;border-top:1px solid var(--line)}
.contact-direct a{display:inline-flex;align-items:center;gap:12px;font-size:1rem;color:var(--navy);font-weight:500}
.contact-direct a svg{color:var(--gold-deep)}
.contact-direct a:hover{color:var(--gold-deep)}
.contact-direct .hours{font-size:.86rem;color:var(--muted)}

.form-panel{
  background:var(--white);border:1px solid rgba(16,34,53,.08);border-radius:28px;padding:30px;
  box-shadow:0 22px 50px rgba(16,34,53,.09)
}
.form-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:6px}
.form-panel h3{font-family:var(--font-display);font-size:1.75rem;color:var(--navy)}
.step-count{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.progress{height:4px;border-radius:999px;background:rgba(20,33,48,.08);margin:16px 0 22px;overflow:hidden}
.progress-bar{height:100%;width:33.33%;border-radius:999px;background:linear-gradient(90deg, var(--gold), #c9aa7a);transition:width .45s cubic-bezier(.4,0,.2,1)}
.fstep{display:none;animation:fadeIn .4s ease}
.fstep.active{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.fstep h4{font-size:1.02rem;color:var(--navy);font-weight:600;margin-bottom:6px}
.fstep .hint{font-size:.88rem;color:var(--muted);line-height:1.7;margin-bottom:18px}
.choices{display:grid;gap:10px}
.choice{
  display:flex;align-items:center;gap:12px;padding:15px 16px;border-radius:16px;cursor:pointer;
  border:1px solid rgba(16,34,53,.10);background:#fdfbf8;transition:.22s ease;font-size:.95rem;color:var(--text)
}
.choice:hover{border-color:rgba(158,133,96,.55);background:#fff;transform:translateX(3px)}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice .tick{
  width:20px;height:20px;border-radius:50%;flex-shrink:0;border:1.5px solid rgba(16,34,53,.22);
  display:grid;place-items:center;transition:.22s
}
.choice .tick::after{content:"";width:9px;height:9px;border-radius:50%;background:var(--gold);transform:scale(0);transition:.22s}
.choice input:checked ~ .tick{border-color:var(--gold)}
.choice input:checked ~ .tick::after{transform:scale(1)}
.choice:has(input:checked){border-color:var(--gold);background:#fff;box-shadow:0 10px 24px rgba(158,133,96,.14)}
.form-grid{display:grid;gap:12px}
.field{display:grid;gap:6px}
.field label{font-size:.82rem;color:var(--navy);font-weight:500}
.input{
  width:100%;border:1px solid rgba(16,34,53,.12);border-radius:16px;padding:15px 17px;
  background:#fdfbf8;transition:.25s ease;color:var(--text)
}
.input:focus{outline:none;border-color:rgba(158,133,96,.85);background:#fff;box-shadow:0 0 0 4px rgba(183,147,95,.14)}
.input::placeholder{color:#a3aeb7}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);line-height:1.6;margin-top:4px}
.consent input{margin-top:3px;accent-color:var(--gold);width:16px;height:16px;flex-shrink:0}
.form-nav{display:flex;gap:10px;margin-top:20px}
.form-nav .btn{flex:1}
.form-note{font-size:.78rem;color:var(--muted);margin-top:16px;text-align:center;line-height:1.6}
.form-error{font-size:.84rem;color:#c0392b;margin-top:12px;display:none}
.form-error.show{display:block}
.form-success{display:none;text-align:center;padding:20px 0}
.form-success.show{display:block;animation:fadeIn .5s ease}
.success-mark{width:64px;height:64px;border-radius:50%;background:rgba(45,155,103,.12);color:var(--success);display:grid;place-items:center;margin:0 auto 18px}
.form-success h4{font-family:var(--font-display);font-size:1.7rem;color:var(--navy);margin-bottom:10px}
.form-success p{font-size:.94rem;line-height:1.8;color:var(--muted);max-width:340px;margin:0 auto}

/* transmission : respiration emotionnelle */
.legacy{padding:0 0 110px}
.legacy-shell{
  position:relative;border-radius:34px;overflow:hidden;
  box-shadow:0 30px 80px rgba(16,34,53,.16)
}
.legacy-shell img{width:100%;height:auto;display:block;aspect-ratio:16/9;object-fit:cover}
.legacy-shell figcaption{
  position:absolute;left:0;right:0;bottom:0;padding:90px 48px 42px;color:#fff;
  background:linear-gradient(0deg, rgba(10,22,35,.96) 0%, rgba(10,22,35,.92) 38%, rgba(10,22,35,.66) 70%, transparent 100%)
}
.legacy-shell .kicker{color:#e8dbc8;margin-bottom:10px}
.legacy-shell p{max-width:620px;font-size:1.04rem;line-height:1.8;color:rgba(255,255,255,.93)}

/* visuel du formulaire de contact */
.cta-visual{
  margin-top:30px;border-radius:24px;overflow:hidden;line-height:0;
  box-shadow:0 24px 55px rgba(16,34,53,.12)
}
.cta-visual img{width:100%;height:auto;display:block;aspect-ratio:16/9;object-fit:cover}
/* page de prise de rendez-vous */
.booking{padding:150px 0 90px}
.booking-grid{display:grid;grid-template-columns:1fr 1.02fr;gap:52px;align-items:start}
.booking-intro h1{
  font-family:var(--font-display);font-size:clamp(2.1rem,3.6vw,3rem);font-weight:500;
  line-height:1.12;color:var(--navy);margin:10px 0 0
}
.booking-lead{margin-top:22px;font-size:1.04rem;line-height:1.85;color:var(--muted)}
.booking-points{list-style:none;display:grid;gap:14px;margin:30px 0 0;padding:0}
.booking-points li{display:flex;gap:12px;align-items:flex-start;font-size:.95rem;line-height:1.7;color:var(--muted)}
.booking-points svg{flex:0 0 auto;margin-top:3px;color:var(--gold-deep)}
.booking-points strong{color:var(--navy);font-weight:600}

.booking-advisor{
  display:flex;align-items:center;gap:14px;margin-top:32px;padding:18px 20px;
  background:rgba(251,248,243,.9);border:1px solid var(--line);border-radius:20px
}
.booking-advisor-photo{
  width:56px;height:56px;flex:0 0 56px;border-radius:50%;object-fit:cover;
  background:linear-gradient(145deg, rgba(16,34,53,.07), rgba(183,147,95,.2))
}
.booking-advisor-initials{
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:1.2rem;font-weight:600;color:var(--gold-deep)
}
.booking-advisor-id{display:flex;flex-direction:column;gap:1px}
.booking-advisor-id strong{font-size:1rem;color:var(--navy);font-weight:600}
.booking-advisor-id small{font-size:.78rem;color:var(--muted);letter-spacing:.03em}

.booking-direct{
  display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px;margin-top:26px;
  padding-top:24px;border-top:1px solid var(--line);font-size:.92rem;color:var(--muted)
}
.booking-direct a{display:inline-flex;align-items:center;gap:8px;color:var(--navy);font-weight:600}
.booking-direct a:hover{color:var(--gold-deep)}

.booking-form .form-panel{position:sticky;top:110px}

.booking-after{margin-top:80px;padding-top:50px;border-top:1px solid var(--line)}
.booking-after h2{font-family:var(--font-display);font-size:1.8rem;color:var(--navy);font-weight:500;margin-bottom:28px}
.booking-steps{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:0;margin:0}
.booking-steps li{
  display:flex;flex-direction:column;gap:7px;padding:26px;border-radius:22px;
  background:rgba(251,248,243,.85);border:1px solid var(--line)
}
.booking-step-num{
  width:32px;height:32px;border-radius:50%;display:grid;place-items:center;
  background:var(--navy);color:#fff;font-size:.86rem;font-weight:600;margin-bottom:4px
}
.booking-steps strong{font-size:1.02rem;color:var(--navy);font-weight:600}
.booking-steps li > span:last-child{font-size:.92rem;line-height:1.75;color:var(--muted)}

.navbar-light .nav-actions{margin-left:auto}
.nav-back{padding:11px 18px;font-size:.9rem}
.footer-top-light{grid-template-columns:1.6fr .9fr}

@media (max-width:980px){
  .booking-grid{grid-template-columns:1fr;gap:38px}
  .booking-form .form-panel{position:static}
  .booking-steps{grid-template-columns:1fr}
}
@media (max-width:820px){
  .booking{padding:120px 0 70px}
  .booking-after{margin-top:56px;padding-top:38px}
  .footer-top-light{grid-template-columns:1fr}
}
@media (max-width:620px){
  .navbar-light .brand-title{font-size:1.05rem;white-space:nowrap}
  .navbar-light .brand-sub{display:none}
  .nav-back{padding:10px 14px;font-size:.84rem;white-space:nowrap}
}
/* pages d'expertise */
.expertise{padding:150px 0 90px}
.breadcrumb{display:flex;flex-wrap:wrap;gap:9px;font-size:.84rem;color:var(--muted);margin-bottom:34px}
.breadcrumb a{color:var(--muted)}
.breadcrumb a:hover{color:var(--navy)}
.breadcrumb span[aria-current]{color:var(--navy)}

.expertise-head{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center;margin-bottom:62px}
.expertise-head h1{
  font-family:var(--font-display);font-size:clamp(2.3rem,4vw,3.4rem);font-weight:500;
  line-height:1.1;color:var(--navy);margin:10px 0 0
}
.expertise-accroche{
  font-family:var(--font-display);font-size:1.4rem;line-height:1.5;
  color:var(--gold-deep);margin:18px 0 22px;max-width:620px
}
.expertise-intro{font-size:1.02rem;line-height:1.9;color:var(--muted);margin-bottom:16px;max-width:660px}
.expertise-head .btn{margin-top:14px}
.expertise-visual{
  border-radius:28px;overflow:hidden;line-height:0;
  background:linear-gradient(180deg,#f6f1e9,#efe8dd);
  box-shadow:0 26px 60px rgba(16,34,53,.1)
}
.expertise-visual img{width:100%;height:auto;display:block}

.expertise-for{
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:26px;padding:34px 38px;margin-bottom:56px
}
.expertise-for h2{font-family:var(--font-display);font-size:1.45rem;color:var(--navy);font-weight:500;margin-bottom:18px}
.expertise-for ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px 28px;padding:0}
.expertise-for li{display:flex;gap:11px;align-items:flex-start;font-size:.96rem;line-height:1.7;color:var(--text)}
.expertise-for svg{flex:0 0 auto;margin-top:4px;color:var(--gold-deep)}

.expertise-body{max-width:780px}
.expertise-bloc{margin-bottom:46px}
.expertise-bloc h2{
  font-family:var(--font-display);font-size:1.75rem;font-weight:500;
  color:var(--navy);margin-bottom:16px;line-height:1.25
}
.expertise-bloc p{font-size:1.01rem;line-height:1.92;color:var(--muted);margin-bottom:15px}
.expertise-bloc p:last-child{margin-bottom:0}

.expertise-faq{max-width:780px;margin:64px 0 0}
.expertise-faq h2{font-family:var(--font-display);font-size:1.75rem;font-weight:500;color:var(--navy);margin-bottom:22px}
.expertise-faq details{
  background:rgba(251,248,243,.86);border:1px solid var(--line);
  border-radius:18px;padding:20px 24px;margin-bottom:12px
}
.expertise-faq summary{
  display:flex;justify-content:space-between;align-items:center;gap:18px;cursor:pointer;
  list-style:none;font-size:1.02rem;font-weight:600;color:var(--navy)
}
.expertise-faq summary::-webkit-details-marker{display:none}
.expertise-faq summary .chev{color:var(--gold-deep);transition:transform .3s ease;flex:0 0 auto}
.expertise-faq details[open] summary .chev{transform:rotate(45deg)}
.expertise-faq details p{margin-top:14px;font-size:.97rem;line-height:1.88;color:var(--muted)}

.expertise-cta{
  display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:28px;
  margin-top:70px;padding:42px 46px;border-radius:30px;
  background:linear-gradient(135deg,#102235 0%,#18334e 55%,#22405d 100%);color:#fff
}
.expertise-cta h2{font-family:var(--font-display);font-size:1.9rem;font-weight:500;color:#fff;margin:6px 0 10px}
.expertise-cta .kicker{color:var(--sand)}
.expertise-cta p{font-size:.98rem;line-height:1.8;color:rgba(255,255,255,.76);max-width:520px}
.expertise-cta-actions{display:flex;flex-wrap:wrap;gap:12px}
.expertise-cta-actions .btn-secondary{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.26)}
.expertise-cta-actions .btn-secondary:hover{background:rgba(255,255,255,.18)}

.expertise-related{margin-top:70px}
.expertise-related h2{font-family:var(--font-display);font-size:1.6rem;font-weight:500;color:var(--navy);margin-bottom:22px}
.expertise-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.expertise-related-card{
  display:flex;flex-direction:column;border-radius:22px;overflow:hidden;
  background:rgba(251,248,243,.9);border:1px solid var(--line);transition:.3s ease
}
.expertise-related-card:hover{transform:translateY(-4px);box-shadow:0 20px 44px rgba(16,34,53,.1)}
.expertise-related-card img{width:100%;height:auto;display:block;aspect-ratio:16/9;object-fit:cover}
.expertise-related-card span{display:flex;flex-direction:column;gap:6px;padding:20px 22px 24px}
.expertise-related-card strong{font-family:var(--font-display);font-size:1.25rem;font-weight:500;color:var(--navy)}
.expertise-related-card small{font-size:.9rem;line-height:1.65;color:var(--muted)}

.expertise-note{
  max-width:780px;margin-top:60px;padding-top:24px;border-top:1px solid var(--line);
  font-size:.82rem;line-height:1.8;color:var(--muted);font-style:italic
}

/* lien « En savoir plus » des cartes de l'accueil */
.service h3 a{color:inherit}
.service h3 a:hover{color:var(--gold-deep)}
.service-more{
  display:inline-block;margin-top:4px;font-size:.86rem;font-weight:600;
  color:var(--navy);border-bottom:1px solid rgba(20,33,48,.2);align-self:flex-start
}
.service-more:hover{color:var(--gold-deep);border-color:var(--gold)}

@media (max-width:980px){
  .expertise-head{grid-template-columns:1fr;gap:34px}
  .expertise-visual{order:-1;max-width:460px}
  .expertise-related-grid{grid-template-columns:1fr}
}
@media (max-width:820px){
  .expertise{padding:120px 0 70px}
  .expertise-for{padding:26px}
  .expertise-for ul{grid-template-columns:1fr}
  .expertise-cta{padding:30px 26px}
  .expertise-related{margin-top:52px}
}
/* footer */
.footer{padding:30px 0 34px}
.footer-shell{background:#0f2031;color:rgba(255,255,255,.72);border-radius:30px;padding:40px}
.footer-top{display:grid;grid-template-columns:1.3fr .7fr .7fr .9fr;gap:28px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer p,.footer li,.footer a{font-size:.9rem;line-height:1.8;color:rgba(255,255,255,.62)}
.footer a:hover{color:#fff}
.footer h4{font-family:var(--font-display);font-size:1.2rem;color:#fff;margin-bottom:12px}
.footer ul{list-style:none}
.footer-reg{padding:22px 0 4px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-reg p{font-size:.76rem;line-height:1.75;color:rgba(255,255,255,.44);margin-bottom:9px}
.footer-reg strong{color:rgba(255,255,255,.66);font-weight:600}
.footer-reg a{font-size:inherit;color:rgba(255,255,255,.58);border-bottom:1px solid rgba(255,255,255,.18)}
.footer-reg abbr{text-decoration:none;border-bottom:1px dotted rgba(255,255,255,.3);cursor:help}
.footer-risk{font-style:italic}
.footer-bottom{display:flex;justify-content:space-between;gap:16px;align-items:center;padding-top:22px;font-size:.82rem}
.footer-legal{display:flex;gap:18px;flex-wrap:wrap}

/* barre d'action mobile (masquée sur desktop, voir media queries) */
.mobile-cta{display:none}
.mobile-cta-tel,.mobile-cta-rdv{
  display:flex;align-items:center;justify-content:center;gap:8px;
  height:52px;border-radius:14px;font-size:.95rem;font-weight:600;
  transition:transform .2s ease,background .2s ease
}
.mobile-cta-tel{background:var(--white);color:var(--navy);border:1px solid var(--line);flex:0 0 42%}
.mobile-cta-rdv{background:var(--navy);color:var(--white);flex:1}
.mobile-cta-tel:active,.mobile-cta-rdv:active{transform:scale(.98)}
/* reveal */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease, transform .7s ease}
.reveal.visible{opacity:1;transform:none}
.reveal.d1{transition-delay:.1s}
.reveal.d2{transition-delay:.2s}
.reveal.d3{transition-delay:.3s}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  *{animation:none!important}
}

/* responsive */
@media (max-width:1100px){
  .hero-grid,.about-grid,.approach-grid,.cta-grid,.services-head,.faq-grid{grid-template-columns:1fr}
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .values-grid{grid-template-columns:repeat(2,1fr)}
  .footer-top{grid-template-columns:1fr 1fr}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .faq-aside{position:static}
  .nav-links{gap:18px}
  .nav-phone{display:none}
}
@media (max-width:820px){
  .container{width:min(calc(100% - 28px), var(--container))}
  .section,.services,.approach,.faq,.cta{padding:80px 0}
  .navbar{inset:10px 0 auto 0}
  .nav-shell{width:min(calc(100% - 20px), 1240px);border-radius:24px}
  .nav-links{
    display:none;position:absolute;left:10px;right:10px;top:100%;margin-top:10px;
    flex-direction:column;align-items:stretch;gap:4px;background:rgba(255,255,255,.97);
    padding:14px;border-radius:20px;border:1px solid rgba(255,255,255,.92);
    box-shadow:0 20px 45px rgba(16,34,53,.14)
  }
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 8px;border-radius:12px}
  .nav-links a:hover{background:rgba(20,33,48,.04)}
  .nav-toggle{display:block}
  .hero{padding:140px 0 70px}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-card{padding:26px}
  .timeline,.services-grid,.values-grid,.about-points,.footer-top,.trust-grid{grid-template-columns:1fr}
  .approach-shell,.cta-shell,.footer-shell,.about-card,.faq-aside{padding:26px}
  .form-panel{padding:24px}
  .footer-bottom{flex-direction:column;align-items:flex-start}
  .about-card .quote{font-size:1.6rem}
  .hero-card-wrap .hero-card{margin:-40px 10px 0}
  .legacy{padding:0 0 80px}
  .legacy-shell img{aspect-ratio:4/3}
  .legacy-shell figcaption{position:static;padding:26px 24px 28px;background:#102235}
  .legacy-shell p{font-size:.95rem}
  .approach-bg{width:100%;opacity:.14;-webkit-mask-image:none;mask-image:none}
  .mobile-cta{
    display:flex;gap:10px;position:fixed;z-index:70;
    left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom));
    padding:10px;border-radius:20px;
    background:rgba(248,244,238,.92);backdrop-filter:blur(12px);
    border:1px solid rgba(255,255,255,.9);box-shadow:0 18px 40px rgba(16,34,53,.18);
    transition:transform .3s ease,opacity .3s ease
  }
  .mobile-cta.is-hidden{transform:translateY(130%);opacity:0;pointer-events:none}
  .footer{padding-bottom:104px}
}

/* ---- ajouts version PHP ---- */
.hp-field{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.no-js .fstep{display:block;margin-bottom:26px}
.no-js #btnNext,.no-js #btnBack,.no-js .progress,.no-js #stepCount{display:none!important}
.no-js #btnSubmit{display:inline-flex!important}
.no-js .reveal{opacity:1;transform:none}
.form-error ul{padding-left:18px}
.btn[disabled]{opacity:.6;cursor:wait;transform:none}

/* pages légales */
.legal{padding:170px 0 80px}
.legal-shell{background:rgba(255,255,255,.82);border:1px solid rgba(20,33,48,.07);border-radius:30px;padding:48px;box-shadow:0 22px 50px rgba(16,34,53,.06);max-width:860px;margin:0 auto}
.legal h1{font-family:var(--font-display);font-size:clamp(2.2rem,4vw,3.2rem);color:var(--navy);font-weight:500;line-height:1.1;margin-bottom:10px}
.legal .updated{font-size:.85rem;color:var(--muted);margin-bottom:34px}
.legal h2{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);margin:34px 0 10px}
.legal h3{font-family:var(--font-display);font-size:1.2rem;color:var(--navy);margin:22px 0 6px;font-weight:600}
.legal code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.88em;background:rgba(20,33,48,.06);padding:1px 6px;border-radius:5px}
.legal strong{color:var(--navy);font-weight:600}
.legal p,.legal li{font-size:.97rem;line-height:1.85;color:var(--text)}
.legal ul{padding-left:20px;margin:8px 0}
.legal a{color:var(--gold-deep);border-bottom:1px solid rgba(158,133,96,.35)}
.legal .todo{background:#fff7e6;border:1px dashed var(--gold);padding:2px 6px;border-radius:6px;font-size:.9em}
.error-page{min-height:70vh;display:grid;place-items:center;text-align:center;padding:170px 0 80px}
.error-page .code{font-family:var(--font-display);font-size:6rem;color:var(--gold);line-height:1}
.error-page h1{font-family:var(--font-display);font-size:2.4rem;color:var(--navy);font-weight:500;margin:10px 0 14px}
.error-page p{color:var(--muted);margin-bottom:28px}
@media (max-width:820px){.legal-shell{padding:26px}.legal{padding:130px 0 60px}}
@media (max-width:520px){
  .nav-actions .btn-dark{display:none}
  .brand-sub{letter-spacing:.1em}
}

/* ==================================================================
   Pages ajoutées : conseiller, honoraires, blog, simulateurs
   ================================================================== */

.sr-only{
  position:absolute;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0
}

/* en-tête commun des pages sans visuel (honoraires, blog, simulateurs) */
.page-head{max-width:820px;margin-bottom:56px}
.page-head h1{
  font-family:var(--font-display);font-size:clamp(2.3rem,4vw,3.4rem);font-weight:500;
  line-height:1.1;color:var(--navy);margin:10px 0 0
}

/* ---------- page du conseiller ---------- */
/* Le portrait est cadré en 4/5. Sur les vignettes rondes de l'accueil et de la
   page rendez-vous, le cadrage par défaut couperait le haut du crâne : on remonte
   le point d'ancrage pour que le visage se place correctement dans le cercle. */
.advisor-photo,
.booking-advisor-photo{object-position:50% 20%}

.portrait-figure{
  border-radius:28px;overflow:hidden;line-height:0;position:relative;
  background:linear-gradient(180deg,#f6f1e9,#e9e0d2);
  box-shadow:0 26px 60px rgba(16,34,53,.12)
}
.portrait-figure img{width:100%;height:auto;display:block;aspect-ratio:4/5;object-fit:cover}
.portrait-fallback{
  display:flex;align-items:center;justify-content:center;aspect-ratio:4/5;
  font-family:var(--font-display);font-size:5rem;color:var(--gold-deep);
  letter-spacing:.04em;line-height:1
}
.portrait-figure figcaption{
  position:absolute;left:0;right:0;bottom:0;padding:26px 24px 20px;
  display:flex;flex-direction:column;gap:3px;line-height:1.4;
  background:linear-gradient(180deg,rgba(15,32,49,0),rgba(15,32,49,.88))
}
.portrait-figure figcaption strong{font-family:var(--font-display);font-size:1.35rem;font-weight:500;color:#fff}
.portrait-figure figcaption span{font-size:.86rem;color:rgba(255,255,255,.72)}

.parcours{margin-bottom:56px;max-width:820px}
.parcours h2{font-family:var(--font-display);font-size:1.75rem;font-weight:500;color:var(--navy);margin-bottom:24px}
.parcours ol{list-style:none;padding:0;border-left:1px solid var(--line);margin-left:6px}
.parcours li{position:relative;display:grid;grid-template-columns:150px 1fr;gap:20px;padding:0 0 28px 28px}
.parcours li::before{
  content:"";position:absolute;left:-5px;top:7px;width:9px;height:9px;
  border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--bg)
}
.parcours-date{font-size:.84rem;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-muted);padding-top:2px}
.parcours-body{display:flex;flex-direction:column;gap:5px}
.parcours-body strong{font-size:1.05rem;color:var(--navy);font-weight:600}
.parcours-body small{font-size:.95rem;line-height:1.75;color:var(--muted)}

.credentials{
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:26px;padding:34px 38px;margin-bottom:56px
}
.credentials h2{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);font-weight:500;margin-bottom:10px}
.credentials-intro{font-size:.97rem;line-height:1.8;color:var(--muted);margin-bottom:26px;max-width:680px}
.credentials-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:28px}
.credential{
  background:var(--white);border:1px solid var(--line);border-radius:16px;
  padding:18px 18px 20px;display:flex;flex-direction:column;gap:6px
}
.credential-code{font-size:.72rem;letter-spacing:.16em;font-weight:700;color:var(--gold-deep)}
.credential strong{font-size:.92rem;line-height:1.45;color:var(--navy);font-weight:600}
.credential small{font-size:.78rem;line-height:1.6;color:var(--muted)}
.credentials-list{list-style:none;display:grid;gap:13px;padding:0}
.credentials-list li{display:flex;gap:11px;align-items:flex-start;font-size:.96rem;line-height:1.75;color:var(--text)}
.credentials-list svg{flex:0 0 auto;margin-top:5px;color:var(--gold-deep)}
.credentials-list strong{color:var(--navy);font-weight:600}
.credentials-list a{color:var(--gold-deep);border-bottom:1px solid rgba(158,133,96,.35)}

/* ---------- page honoraires ---------- */
.fees{margin-bottom:60px}
.fees h2{font-family:var(--font-display);font-size:1.75rem;font-weight:500;color:var(--navy);margin-bottom:22px}
.fees-table{
  width:100%;border-collapse:separate;border-spacing:0;
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:22px;overflow:hidden
}
.fees-table th,.fees-table td{padding:18px 22px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.fees-table thead th{
  font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;
  color:var(--navy-muted);font-weight:600;background:rgba(232,219,200,.35)
}
.fees-table tbody tr:last-child th,.fees-table tbody tr:last-child td{border-bottom:0}
.fees-table tbody th{font-size:1rem;color:var(--navy);font-weight:600;width:24%}
.fees-table tbody td{font-size:.94rem;line-height:1.75;color:var(--muted)}
.fees-price{white-space:nowrap;font-weight:600;color:var(--navy);width:20%}
.fees-free{color:var(--success)}
.fees-note{margin-top:18px;font-size:.92rem;line-height:1.8;color:var(--muted);max-width:780px}

/* ---------- blog : liste ---------- */
.blog-cats{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.article-cat{
  display:inline-block;padding:4px 11px;border-radius:999px;
  background:rgba(158,133,96,.12);border:1px solid rgba(158,133,96,.25);
  font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gold-deep);font-weight:600
}
.blog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.blog-card{
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:24px;transition:.3s ease
}
.blog-card:hover{transform:translateY(-4px);box-shadow:0 22px 48px rgba(16,34,53,.1)}
.blog-card a{display:flex;flex-direction:column;gap:12px;padding:30px 32px 34px;height:100%}
.blog-card h2{font-family:var(--font-display);font-size:1.5rem;font-weight:500;color:var(--navy);line-height:1.25}
.blog-card p{font-size:.95rem;line-height:1.8;color:var(--muted);flex:1}
.article-meta{
  display:flex;flex-wrap:wrap;align-items:center;gap:14px;
  font-size:.82rem;color:var(--muted)
}

/* ---------- blog : article ---------- */
.article{padding:150px 0 90px}
.article-body{max-width:760px;margin:0 auto}
.article-head{margin-bottom:46px}
.article-head h1{
  font-family:var(--font-display);font-size:clamp(2.1rem,3.6vw,3rem);font-weight:500;
  line-height:1.14;color:var(--navy);margin:18px 0 0
}
.article-chapo{
  font-family:var(--font-display);font-size:1.3rem;line-height:1.6;
  color:var(--gold-deep);margin:20px 0 18px
}
.article-author{font-size:.88rem;color:var(--muted);padding-top:16px;border-top:1px solid var(--line)}
.article-author a{color:var(--navy);font-weight:600;border-bottom:1px solid rgba(20,33,48,.2)}
.article-section{margin-bottom:42px}
.article-section h2{
  font-family:var(--font-display);font-size:1.75rem;font-weight:500;
  color:var(--navy);margin-bottom:16px;line-height:1.25
}
.article-section h3{font-size:1.05rem;font-weight:600;color:var(--navy);margin:26px 0 10px}
.article-section p{font-size:1.02rem;line-height:1.92;color:var(--muted);margin-bottom:15px}
.article-section strong{color:var(--navy);font-weight:600}
.article-section a{color:var(--gold-deep);border-bottom:1px solid rgba(158,133,96,.35)}
.article-section a:hover{border-color:var(--gold-deep)}
.article-section ul{list-style:none;padding:0;margin:4px 0 18px}
.article-section li{
  position:relative;padding-left:22px;margin-bottom:11px;
  font-size:1rem;line-height:1.85;color:var(--muted)
}
.article-section li::before{
  content:"";position:absolute;left:2px;top:12px;width:7px;height:7px;
  border-radius:50%;background:var(--gold)
}
.article-note{
  background:rgba(232,219,200,.3);border-left:3px solid var(--gold);
  border-radius:0 16px 16px 0;padding:20px 24px;margin:24px 0;
  font-size:.97rem;line-height:1.85;color:var(--text)
}
.article-note strong{color:var(--navy)}
.article .expertise-faq,.article .expertise-note{max-width:none}
.article-cta{
  display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:28px;
  max-width:760px;margin:70px auto 0;padding:42px 46px;border-radius:30px;
  background:linear-gradient(135deg,#102235 0%,#18334e 55%,#22405d 100%);color:#fff
}
.article-cta h2{font-family:var(--font-display);font-size:1.75rem;font-weight:500;color:#fff;margin:6px 0 10px}
.article-cta .kicker{color:var(--sand)}
.article-cta p{font-size:.96rem;line-height:1.8;color:rgba(255,255,255,.76);max-width:520px}
.article .expertise-related{max-width:760px;margin:70px auto 0}
.article-more{max-width:760px;margin:60px auto 0}
.article-more h2{font-family:var(--font-display);font-size:1.6rem;font-weight:500;color:var(--navy);margin-bottom:18px}
.article-more ul{list-style:none;display:grid;gap:14px;padding:0}
.article-more a{
  display:flex;flex-direction:column;gap:8px;padding:22px 26px;
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:20px;transition:.3s ease
}
.article-more a:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(16,34,53,.09)}
.article-more .article-cat{align-self:flex-start}
.article-more strong{font-family:var(--font-display);font-size:1.25rem;font-weight:500;color:var(--navy)}
.article-more small{font-size:.9rem;line-height:1.7;color:var(--muted)}

/* ---------- simulateurs ---------- */
.sim-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.sim-card{
  background:rgba(251,248,243,.9);border:1px solid var(--line);
  border-radius:24px;transition:.3s ease
}
.sim-card:hover{transform:translateY(-4px);box-shadow:0 22px 48px rgba(16,34,53,.1)}
.sim-card a{display:flex;flex-direction:column;gap:12px;padding:32px 30px 34px;height:100%}
.sim-card h2{font-family:var(--font-display);font-size:1.45rem;font-weight:500;color:var(--navy);line-height:1.25}
.sim-card p{font-size:.95rem;line-height:1.8;color:var(--muted);flex:1}

.sim{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;margin-bottom:68px;align-items:start}
.sim-legend{
  font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;
  color:var(--navy-muted);font-weight:600;margin-bottom:22px
}
.sim-form{
  background:rgba(251,248,243,.92);border:1px solid var(--line);
  border-radius:26px;padding:32px 34px
}
.sim-row{display:flex;flex-direction:column;gap:7px;margin-bottom:20px}
.sim-row:last-child{margin-bottom:0}
.sim-row[hidden]{display:none}
.sim-row > label{font-size:.93rem;font-weight:600;color:var(--navy)}
.sim-row-case{flex-direction:row;align-items:center;gap:11px;flex-wrap:wrap}
.sim-row-case input{width:19px;height:19px;accent-color:var(--gold-deep);flex:0 0 auto;cursor:pointer}
.sim-row-case > label{font-weight:500;cursor:pointer}
.sim-row-case .sim-help{flex:1 0 100%}
.sim-input{position:relative;display:flex;align-items:center}
.sim-row input[type=number],.sim-row input[type=date],.sim-row select{
  width:100%;padding:13px 16px;border-radius:13px;
  border:1px solid rgba(20,33,48,.14);background:var(--white);
  color:var(--navy);font-size:1rem;transition:border-color .2s ease,box-shadow .2s ease
}
.sim-row input[type=number]{padding-right:46px}
.sim-row input:focus,.sim-row select:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(158,133,96,.14)
}
.sim-unit{position:absolute;right:16px;font-size:.92rem;color:var(--muted);pointer-events:none}
.sim-help{font-size:.82rem;line-height:1.6;color:var(--muted)}

.sim-result{
  background:linear-gradient(135deg,#102235 0%,#18334e 55%,#22405d 100%);
  border-radius:26px;padding:32px 34px 34px;color:#fff;
  position:sticky;top:120px
}
.sim-result .sim-legend{color:var(--sand)}
.sim-lines{display:grid;gap:2px;margin-bottom:20px}
.sim-line{
  display:flex;justify-content:space-between;align-items:baseline;gap:18px;
  padding:11px 0;border-bottom:1px solid rgba(255,255,255,.09)
}
.sim-line dt{font-size:.92rem;color:rgba(255,255,255,.66);line-height:1.45}
.sim-line dd{font-size:1rem;font-weight:600;color:#fff;white-space:nowrap;text-align:right}
.sim-total{
  display:flex;justify-content:space-between;align-items:baseline;gap:18px;
  padding:20px 22px;margin-bottom:16px;border-radius:18px;
  background:rgba(232,219,200,.12);border:1px solid rgba(232,219,200,.22)
}
.sim-total span{font-size:.95rem;color:var(--sand);line-height:1.4}
.sim-total strong{
  font-family:var(--font-display);font-size:1.9rem;font-weight:500;
  color:#fff;white-space:nowrap;line-height:1
}
.sim-message{
  font-size:.88rem;line-height:1.75;color:rgba(255,255,255,.82);
  background:rgba(255,255,255,.07);border-radius:14px;padding:14px 16px;margin-bottom:16px
}
.sim-message[hidden]{display:none}
.sim-disclaimer{font-size:.78rem;line-height:1.7;color:rgba(255,255,255,.45);margin-bottom:18px}

/* ---------- pied de page : cinq colonnes ---------- */
.footer-top{grid-template-columns:1.25fr .72fr .72fr .72fr .82fr}
/* Le pied de page allégé (/rendez-vous) n'a que deux colonnes : on le
   redéclare ici, après la règle ci-dessus, avec une spécificité suffisante
   pour qu'il résiste aussi aux points de rupture plus bas. */
.footer-top.footer-top-light{grid-template-columns:1.6fr .9fr}
.footer h5{
  font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;
  color:rgba(255,255,255,.4);margin:22px 0 10px;font-weight:600
}

/* ---------- responsive des blocs ci-dessus ---------- */
@media (max-width:1100px){
  .sim-grid{grid-template-columns:1fr}
  .credentials-grid{grid-template-columns:repeat(2,1fr)}
  .footer-top{grid-template-columns:1.2fr .8fr .8fr .9fr}
}
@media (max-width:980px){
  .sim{grid-template-columns:1fr}
  .sim-result{position:static}
  .blog-grid{grid-template-columns:1fr}
}
@media (max-width:820px){
  .article{padding:130px 0 70px}
  .portrait-figure{max-width:420px}
  .parcours li{grid-template-columns:1fr;gap:4px}
  .credentials{padding:26px 24px}
  .credentials-grid{grid-template-columns:1fr}
  .sim-form,.sim-result{padding:26px 24px}
  .article-cta{padding:30px 26px}
  .footer-top{grid-template-columns:1fr 1fr}
  .fees-table,.fees-table thead,.fees-table tbody,.fees-table tr,.fees-table th,.fees-table td{display:block;width:auto}
  .fees-table thead{display:none}
  .fees-table tbody tr{border-bottom:1px solid var(--line);padding:6px 0}
  .fees-table tbody tr:last-child{border-bottom:0}
  .fees-table th,.fees-table td{border-bottom:0;padding:6px 22px}
  .fees-table tbody th{padding-top:18px}
  .fees-table tbody td:last-child{padding-bottom:18px}
  .fees-price{width:auto}
}
@media (max-width:820px){
  .footer-top.footer-top-light{grid-template-columns:1fr}
}
@media (max-width:520px){
  .footer-top{grid-template-columns:1fr}
  .sim-total{flex-direction:column;align-items:flex-start;gap:6px}
  .sim-line{flex-direction:column;gap:2px}
  .sim-line dd{text-align:left}
}

/* ---------- conversion : formulaire, confirmation, captures e-mail (novembre 2026) ---------- */
.advisor-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.expertise-head .advisor-actions .btn{margin-top:0}
.field .optional{color:var(--muted);font-weight:400}
textarea.input{resize:vertical;min-height:84px;line-height:1.55}
.consent-optional{margin-top:0}

.form-success .success-booking{margin:22px auto 0;max-width:380px;display:grid;gap:8px}
.form-success .success-booking small{font-size:.8rem;color:var(--muted);line-height:1.6}
.success-next{margin:24px auto 0;max-width:400px;text-align:left;padding:18px 20px;border-radius:18px;background:#fbf8f3;border:1px solid var(--line)}
.success-next h5{font-size:.92rem;color:var(--navy);font-weight:600;margin-bottom:10px}
.success-next ul{list-style:none;display:grid;gap:8px}
.success-next li{display:flex;gap:9px;align-items:flex-start;font-size:.87rem;line-height:1.55;color:var(--text)}
.success-next li svg{flex:0 0 auto;margin-top:3px;color:var(--gold-deep)}
.form-success .success-next p{font-size:.8rem;margin:10px 0 0;max-width:none}
.success-links{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 20px;margin-top:18px}
.success-links a{font-size:.86rem;font-weight:600;color:var(--navy);border-bottom:1px solid rgba(20,33,48,.2)}
.success-links a:hover{color:var(--gold-deep)}

.capture{margin-top:56px;padding:34px 38px;border-radius:28px;background:#fbf8f3;border:1px solid var(--line);max-width:780px}
.capture-title{font-family:var(--font-display);font-size:1.75rem;line-height:1.2;color:var(--navy);font-weight:600;margin-bottom:8px}
.capture-text{font-size:.96rem;line-height:1.75;color:var(--muted);max-width:620px}
.capture-points{list-style:none;display:grid;gap:8px;margin:16px 0 4px}
.capture-points li{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;line-height:1.6;color:var(--text)}
.capture-points svg{flex:0 0 auto;margin-top:4px;color:var(--gold-deep)}
.capture-row{display:flex;gap:10px;margin:18px 0 12px}
.capture-row .input{flex:1;min-width:0}
.capture-row .btn{flex:0 0 auto}
.capture-legal{font-size:.78rem;line-height:1.6;color:var(--muted);margin-top:10px}
.capture-legal a{text-decoration:underline}
.capture-error{font-size:.85rem;color:#c0392b;margin-top:8px}
.capture-done{text-align:center;padding:10px 0}
.capture-done .success-mark{width:52px;height:52px;margin-bottom:12px}
.capture-done-text{font-size:.98rem;line-height:1.7;color:var(--navy);margin-bottom:14px}
.capture-guide{border-left:4px solid var(--gold)}
.sim-capture{margin-top:22px;padding:22px 0 0;border:0;border-top:1px solid var(--line);border-radius:0;background:none}
.sim-capture .capture-title{font-family:var(--font-body);font-size:1rem;font-weight:600}
.sim-capture .capture-text{font-size:.86rem}
.sim-capture .capture-row{flex-direction:column}
/* le panneau de résultat est sombre : textes clairs */
.sim-capture{border-top-color:rgba(255,255,255,.14)}
.sim-capture .capture-title{color:#fff}
.sim-capture .capture-text,.sim-capture .consent,.sim-capture .capture-legal{color:rgba(255,255,255,.68)}
.sim-capture .capture-legal a{color:rgba(255,255,255,.85)}
.sim-capture .capture-error{color:#ffb4a8}
.sim-capture .capture-done-text{color:#fff}
@media (max-width:620px){
  .capture{padding:26px 22px}
  .capture-row{flex-direction:column}
}

/* ---------- document d'entrée en relation : impression / PDF ---------- */
.der-actions{display:flex;justify-content:flex-end;margin-bottom:12px}
@media print{
  .navbar,.footer,.mobile-cta,.der-actions{display:none!important}
  body{background:#fff}
  .legal{padding:0}
  .legal-shell{box-shadow:none;border:0;padding:0;max-width:none;background:#fff}
  .legal h2{break-after:avoid}
  .legal li,.legal p{break-inside:avoid}
  a{color:inherit;text-decoration:none}
}

/* ---------- simulateurs : ce que le rendez-vous apporterait (panneau sombre) ---------- */
.sim-rdv{margin:4px 0 16px;padding:16px 18px;border-radius:16px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.sim-rdv-title{font-size:.86rem;font-weight:600;color:#fff;margin-bottom:10px}
.sim-rdv ul{list-style:none;display:grid;gap:7px}
.sim-rdv li{display:flex;gap:9px;align-items:flex-start;font-size:.86rem;line-height:1.5;color:rgba(255,255,255,.8)}
.sim-rdv li svg{flex:0 0 auto;margin-top:3px;color:var(--sand)}
.sim-rdv-note{margin-top:10px;font-size:.78rem;color:rgba(255,255,255,.55)}

/* ---------- simulateurs mis en avant (accueil, pages d'expertise) ---------- */
.sim-card h3{font-family:var(--font-display);font-size:1.45rem;font-weight:500;color:var(--navy);line-height:1.25}
.sims-all{margin-top:22px;text-align:center}
.expertise-sims{margin:56px 0 0}
.expertise-sims h2{font-family:var(--font-display);font-size:1.9rem;font-weight:500;color:var(--navy);margin-bottom:20px}
.expertise-sims .sim-card a{padding:26px 26px 28px}

/* ---------- grilles de simulateurs : deux ou quatre cartes, page Simulateurs par thème ---------- */
.sim-grid.sim-grid-2{grid-template-columns:repeat(2,1fr)}
.sim-grid.sim-grid-4{grid-template-columns:repeat(4,1fr)}
.sim-grid-4 .sim-card a{padding:26px 22px 28px}
.sim-grid-4 .sim-card h3{font-size:1.3rem}
.sim-theme{margin-top:44px}
.sim-theme:first-of-type{margin-top:8px}
.sim-theme h2{font-family:var(--font-display);font-size:1.7rem;font-weight:500;color:var(--navy);margin-bottom:18px}
@media (max-width:1100px){.sim-grid.sim-grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.sim-grid.sim-grid-2,.sim-grid.sim-grid-4{grid-template-columns:1fr}}

/* ---------- lexique (/lexique) ---------- */
.lex-outils{
  display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px;margin:-16px 0 34px;padding:16px 18px;
  border-radius:22px;background:rgba(251,248,243,.9);border:1px solid var(--line)
}
.lex-recherche{position:relative;display:flex;align-items:center;flex:1 1 280px;max-width:400px}
.lex-recherche svg{position:absolute;left:15px;color:var(--muted);pointer-events:none}
.lex-recherche input{
  width:100%;height:48px;padding:0 16px 0 44px;border-radius:14px;border:1px solid rgba(20,33,48,.14);
  background:#fff;font:inherit;font-size:.95rem;color:var(--navy)
}
.lex-recherche input:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(158,133,96,.18)}
.lex-lettres{display:flex;flex-wrap:wrap;gap:2px}
.lex-lettres a{
  display:inline-flex;align-items:center;justify-content:center;min-width:31px;height:31px;
  border-radius:9px;font-size:.88rem;font-weight:600;color:var(--navy);transition:.2s ease
}
.lex-lettres a:hover{background:var(--sand-soft)}
.lex-lettres a.is-off{color:rgba(20,33,48,.22);pointer-events:none}
.lex-vide{max-width:780px;margin:0 0 30px;font-size:1rem;line-height:1.8;color:var(--muted)}
.lex-vide a{color:var(--navy);border-bottom:1px solid var(--sand)}
.lex-vide[hidden],.lex-groupe[hidden],.lex-entry[hidden]{display:none}

.lex-corps{max-width:860px}
.lex-groupe{display:grid;grid-template-columns:64px minmax(0,1fr);gap:0 28px;padding-top:28px;margin-top:6px;border-top:1px solid var(--line)}
.lex-lettre{
  font-family:var(--font-display);font-size:3.1rem;font-weight:500;line-height:1;color:var(--gold);
  position:sticky;top:118px;align-self:start
}
.lex-entry{
  padding:2px 0 24px;margin-bottom:24px;border-bottom:1px solid var(--line);
  border-radius:4px;transition:background .3s ease,box-shadow .3s ease
}
.lex-entry:last-child{border-bottom:0;margin-bottom:6px}
.lex-entry.is-target,.lex-entry:target{background:#fff;box-shadow:0 0 0 16px #fff}
.lex-entry h3{font-family:var(--font-display);font-size:1.55rem;font-weight:500;line-height:1.25;color:var(--navy);margin-bottom:8px}
.lex-entry dfn{font-style:normal}
.lex-entry p{font-size:.97rem;line-height:1.85;color:var(--muted);margin-bottom:10px}
.lex-entry p.lex-court{font-size:1.03rem;line-height:1.8;color:var(--text);font-weight:500}
.lex-entry p a{color:var(--gold-deep);border-bottom:1px solid rgba(158,133,96,.35)}
.lex-entry p a:hover{border-color:var(--gold-deep)}
.lex-pied{display:grid;gap:12px;margin-top:14px}
.lex-liens{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0}
.lex-liens a{
  display:inline-flex;align-items:baseline;gap:8px;padding:7px 14px;border-radius:999px;
  background:#fff;border:1px solid var(--line);font-size:.86rem;line-height:1.4;color:var(--navy);transition:.2s ease
}
.lex-liens a:hover{border-color:var(--gold);color:var(--gold-deep)}
.lex-liens span{font-size:.68rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--gold-deep)}
.lex-entry p.lex-voir{font-size:.88rem;margin:0}
@media (max-width:620px){
  .lex-outils{margin-top:-26px;padding:14px}
  .lex-recherche{max-width:none}
  .lex-groupe{grid-template-columns:1fr;gap:10px}
  .lex-lettre{position:static;font-size:2.4rem}
  .lex-entry h3{font-size:1.4rem}
}

/* liens automatiques des articles vers le lexique : soulignés en pointillés, définition au survol */
.article-section a.lex-lien{color:inherit;border-bottom:1px dotted var(--gold-deep)}
.article-section a.lex-lien:hover{color:var(--gold-deep);border-bottom-style:solid}

/* ---------- simulateurs : bulle « ? » à côté d'un libellé, définition du lexique ---------- */
.sim-label{display:flex;align-items:center;gap:8px}
.sim-label > label{font-size:.93rem;font-weight:600;color:var(--navy)}
.lex-btn{
  position:relative;flex:0 0 auto;width:20px;height:20px;padding:0;border-radius:50%;
  border:1px solid var(--sand);background:#fff;color:var(--gold-deep);cursor:pointer;
  display:inline-flex;align-items:center;justify-content:center;
  font:700 .72rem/1 var(--font-body);transition:.2s ease
}
.lex-btn::after{content:"";position:absolute;inset:-10px}
.lex-btn:hover,.lex-btn[aria-expanded="true"]{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff}
.lex-btn:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.sim-def{
  font-size:.84rem;line-height:1.65;color:var(--text);background:var(--paper);
  border-left:3px solid var(--sand);border-radius:0 10px 10px 0;padding:10px 13px
}
.sim-def[hidden]{display:none}
.sim-def p + p{margin-top:7px}
.sim-def a{color:var(--navy);font-weight:600;border-bottom:1px solid var(--sand);white-space:nowrap}
.sim-row-case .sim-def{flex:1 0 100%}

/* ---------- pré-bilan en ligne (/pre-bilan-patrimonial) ---------- */
.pb{max-width:820px;margin-bottom:64px;scroll-margin-top:110px}
.pb-panel,.pb-result{
  padding:34px 38px 30px;border-radius:28px;background:#fff;border:1px solid var(--line);
  box-shadow:0 26px 60px rgba(16,34,53,.08)
}
.pb-panel[hidden],.pb-result[hidden],.pb-step[hidden]{display:none}
.pb-top{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:12px}
.pb-count{font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);white-space:nowrap}
.pb-back{
  background:none;border:0;padding:4px 0;cursor:pointer;font:inherit;font-size:.86rem;font-weight:600;
  color:var(--muted);border-bottom:1px solid rgba(20,33,48,.18)
}
.pb-back:hover{color:var(--navy)}
.pb-back::before{content:"← "}
.pb-bar{height:5px;border-radius:999px;background:var(--sand-soft);overflow:hidden;margin-bottom:30px}
.pb-bar span{display:block;height:100%;width:0;border-radius:inherit;background:var(--gold);transition:width .35s ease}
.pb-step{border:0;padding:0;margin:0;min-width:0}
.pb-question{
  font-family:var(--font-display);font-size:clamp(1.6rem,3vw,2.1rem);font-weight:500;line-height:1.2;
  color:var(--navy);margin-bottom:8px;padding:0
}
.pb-aide{font-size:.92rem;color:var(--muted);margin-bottom:4px}
.pb-choices{display:grid;gap:10px;margin-top:20px}
.pb-choices-2{grid-template-columns:1fr 1fr}
.pb-choice{position:relative;display:block;cursor:pointer}
.pb-choice input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.pb-choice span{
  display:flex;align-items:center;min-height:56px;padding:14px 18px;border-radius:16px;
  border:1px solid rgba(20,33,48,.14);background:var(--paper);font-size:1rem;font-weight:500;
  color:var(--navy);line-height:1.4;transition:.18s ease
}
.pb-choice:hover span{border-color:var(--gold);background:#fff}
.pb-choice input:focus-visible + span{outline:2px solid var(--gold);outline-offset:2px}
.pb-choice input:checked + span{border-color:var(--gold-deep);background:#fff;box-shadow:inset 0 0 0 1px var(--gold-deep)}
.pb-noscript{margin-top:18px;font-size:.95rem;color:var(--text)}
.pb-confidentiel{display:flex;align-items:center;gap:8px;margin-top:22px;font-size:.82rem;color:var(--muted)}
.pb-confidentiel svg{color:var(--gold-deep);flex:0 0 auto}

.pb-result h2{font-family:var(--font-display);font-size:clamp(1.9rem,3.4vw,2.5rem);font-weight:500;color:var(--navy);margin:8px 0 6px;outline:0}
.pb-profil{font-size:.9rem;line-height:1.7;color:var(--muted);margin-bottom:22px}
.pb-prio{list-style:none;counter-reset:prio;display:grid;gap:14px;padding:0}
.pb-prio-item{
  counter-increment:prio;position:relative;padding:22px 24px 22px 74px;border-radius:20px;
  background:var(--paper);border:1px solid var(--line)
}
.pb-prio-item::before{
  content:counter(prio);position:absolute;left:22px;top:20px;width:36px;height:36px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;background:var(--navy);color:#fff;
  font-family:var(--font-display);font-size:1.3rem
}
.pb-prio-item h3{font-family:var(--font-display);font-size:1.45rem;font-weight:500;line-height:1.25;color:var(--navy);margin-bottom:8px}
.pb-prio-item p{font-size:.95rem;line-height:1.75;color:var(--muted)}
.pb-raisons{list-style:none;display:grid;gap:6px;padding:0;margin:0 0 10px}
.pb-raisons li{position:relative;padding-left:16px;font-size:.95rem;line-height:1.65;color:var(--text);font-weight:500}
.pb-raisons li::before{content:"";position:absolute;left:0;top:.62em;width:6px;height:6px;border-radius:50%;background:var(--gold)}
.pb-liens{margin-top:14px}
.pb-cta{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 26px;margin-top:26px;
  padding:26px 28px;border-radius:22px;color:#fff;
  background:linear-gradient(135deg,#102235 0%,#18334e 55%,#22405d 100%)
}
.pb-cta > div{flex:1 1 360px}
.pb-cta h3{font-family:var(--font-display);font-size:1.5rem;font-weight:500;color:#fff;margin-bottom:6px}
.pb-cta p{font-size:.9rem;line-height:1.7;color:rgba(255,255,255,.76)}
.pb-capture{margin-top:22px;max-width:none;box-shadow:none}
.pb-actions{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:14px;margin-top:22px}
.pb-restart{background:none;border:0;padding:0;cursor:pointer;font:inherit;font-size:.86rem;color:var(--muted);text-decoration:underline}
.pb-restart:hover{color:var(--navy)}
@media (max-width:620px){
  .pb-panel,.pb-result{padding:24px 18px 22px;border-radius:22px}
  .pb-choices-2{grid-template-columns:1fr}
  .pb-prio-item{padding:20px 18px 20px 62px}
  .pb-prio-item::before{left:16px;width:32px;height:32px;font-size:1.15rem}
  .pb-cta{padding:22px 20px}
  .pb-cta .btn{width:100%}
}

/* ---------- exemples de bilan patrimonial (/exemple-bilan-patrimonial) ---------- */
.ex-nav{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:30px;max-width:none}
.ex-nav a{
  display:flex;flex-direction:column;gap:4px;padding:16px 18px;border-radius:18px;background:#fff;
  border:1px solid var(--line);font-family:var(--font-display);font-size:1.15rem;line-height:1.3;color:var(--navy);transition:.2s ease
}
.ex-nav a:hover{border-color:var(--gold);transform:translateY(-2px)}
.ex-nav span{font-family:var(--font-body);font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep)}
.exemples .page-head{max-width:none}
.exemples .page-head > *:not(.ex-nav){max-width:820px}

.ex-doc{
  display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;align-items:start;margin-bottom:70px;
  padding:38px 40px;border-radius:28px;background:#fbf8f3;border:1px solid var(--line)
}
.ex-doc h2{font-family:var(--font-display);font-size:1.9rem;font-weight:500;color:var(--navy);margin:8px 0 12px}
.ex-doc-intro p{font-size:.96rem;line-height:1.8;color:var(--muted)}
.ex-doc-sommaire{
  list-style:none;counter-reset:chap;padding:26px 28px;margin:0;border-radius:18px;background:#fff;
  box-shadow:0 22px 50px rgba(16,34,53,.1);border-top:4px solid var(--gold)
}
.ex-doc-sommaire li{counter-increment:chap;display:grid;grid-template-columns:34px 1fr;column-gap:12px;padding:12px 0;border-bottom:1px dashed rgba(20,33,48,.12)}
.ex-doc-sommaire li:last-child{border-bottom:0}
.ex-doc-sommaire li::before{content:counter(chap, decimal-leading-zero);grid-row:span 2;font-family:var(--font-display);font-size:1.25rem;color:var(--gold-deep);line-height:1.3}
.ex-doc-sommaire strong{font-size:.98rem;color:var(--navy)}
.ex-doc-sommaire span{font-size:.88rem;line-height:1.6;color:var(--muted)}

.ex-cas{
  margin-bottom:56px;padding:40px 42px 34px;border-radius:30px;background:#fff;border:1px solid var(--line);
  box-shadow:0 26px 60px rgba(16,34,53,.07);scroll-margin-top:110px
}
.ex-cas-head{margin-bottom:28px;max-width:780px}
.ex-cas-num{font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-right:10px}
.ex-cas-profil{display:inline-block;padding:4px 11px;border-radius:999px;background:var(--sand-soft);font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-deep)}
.ex-cas-head h2{font-family:var(--font-display);font-size:clamp(1.7rem,3vw,2.2rem);font-weight:500;line-height:1.2;color:var(--navy);margin:12px 0 8px}
.ex-cas-head p{font-size:1rem;line-height:1.7;color:var(--muted)}
.ex-cas h3{font-size:.8rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:14px}
.ex-cas-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:32px;align-items:start}
.ex-situation{padding:22px 24px;border-radius:20px;background:var(--paper)}
.ex-situation dl{display:grid;gap:12px;margin:0}
.ex-situation dt{font-size:.8rem;color:var(--muted)}
.ex-situation dd{margin:2px 0 0;font-size:.96rem;font-weight:600;line-height:1.5;color:var(--navy)}
.ex-constats ul{list-style:none;display:grid;gap:14px;padding:0}
.ex-constats li{position:relative;padding-left:20px;font-size:.97rem;line-height:1.75;color:var(--muted)}
.ex-constats li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.ex-constats strong{color:var(--navy)}
.ex-actions{margin-top:30px}
.ex-actions ol{list-style:none;counter-reset:act;display:grid;gap:12px;padding:0}
.ex-actions li{counter-increment:act;position:relative;padding-left:40px;font-size:.97rem;line-height:1.75;color:var(--text)}
.ex-actions li::before{
  content:counter(act);position:absolute;left:0;top:1px;width:27px;height:27px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;background:var(--navy);color:#fff;font-size:.8rem;font-weight:700
}
.ex-actions a{color:var(--gold-deep);border-bottom:1px solid rgba(158,133,96,.35)}
.ex-avant-apres{margin-top:30px;overflow-x:auto}
.ex-avant-apres table{width:100%;border-collapse:collapse;font-size:.93rem}
.ex-avant-apres caption{text-align:left;font-size:.8rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:12px}
.ex-avant-apres th,.ex-avant-apres td{padding:13px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);line-height:1.55}
.ex-avant-apres thead th{font-size:.75rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);border-bottom:1px solid rgba(20,33,48,.18)}
.ex-avant-apres tbody th{font-weight:500;color:var(--text);width:38%}
.ex-avant-apres td{color:var(--muted);width:24%}
.ex-avant-apres td:last-child{color:var(--navy);font-weight:600;width:38%}
.ex-pied{margin-top:26px;padding-top:22px;border-top:1px solid var(--line);display:grid;gap:12px}
.ex-pied-titre{font-size:.86rem;font-weight:600;color:var(--navy)}
.ex-hypotheses{font-size:.8rem;line-height:1.7;color:var(--muted)}
.ex-hypotheses strong{color:var(--text)}
@media (max-width:980px){
  .ex-doc,.ex-cas-grid{grid-template-columns:1fr}
  .ex-nav{grid-template-columns:1fr}
}
@media (max-width:620px){
  .ex-doc{padding:26px 20px}
  .ex-cas{padding:26px 18px 24px;border-radius:24px}
  .ex-doc-sommaire{padding:18px}
  .ex-avant-apres th,.ex-avant-apres td{padding:11px 10px}
  .ex-avant-apres tbody th{width:auto}
}

/* ---------- entrées vers le pré-bilan (accueil, page Simulateurs) ---------- */
.hero-prebilan{margin:-6px 0 22px;font-size:.92rem}
.hero-prebilan a{display:inline-flex;align-items:center;gap:6px;color:var(--muted);border-bottom:1px solid rgba(20,33,48,.15);padding-bottom:2px}
.hero-prebilan a strong{color:var(--navy);font-weight:600}
.hero-prebilan a:hover strong{color:var(--gold-deep)}
.sims-prebilan{
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px 24px;
  margin:-20px 0 34px;padding:20px 24px;border-radius:20px;background:#fbf8f3;border:1px solid var(--line);max-width:980px
}
.sims-prebilan div{display:flex;flex-direction:column;gap:3px;flex:1 1 320px}
.sims-prebilan strong{font-family:var(--font-display);font-size:1.3rem;font-weight:500;color:var(--navy)}
.sims-prebilan span{font-size:.93rem;line-height:1.6;color:var(--muted)}

/* ---------- agenda en ligne : choix du créneau dans le formulaire de rendez-vous ---------- */
.agenda-jours{display:flex;gap:8px;overflow-x:auto;padding:2px 2px 10px;margin:0 -2px 6px;scroll-snap-type:x proximity}
.agenda-jour{
  flex:0 0 auto;display:flex;flex-direction:column;align-items:center;gap:1px;min-width:62px;padding:9px 8px;
  border-radius:14px;border:1px solid rgba(16,34,53,.12);background:#fdfbf8;cursor:pointer;scroll-snap-align:start;
  font:inherit;color:var(--text);transition:.2s ease
}
.agenda-jour span{font-size:.72rem;color:var(--muted);text-transform:lowercase}
.agenda-jour strong{font-size:1.15rem;line-height:1.2;color:var(--navy)}
.agenda-jour:hover{border-color:rgba(158,133,96,.55);background:#fff}
.agenda-jour.on{border-color:var(--gold-deep);background:var(--navy)}
.agenda-jour.on span,.agenda-jour.on strong{color:#fff}
.agenda-heures{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;border:0;padding:0;margin:0 0 18px;min-width:0}
.agenda-heures[hidden]{display:none}
.agenda-heure,.agenda-mode{position:relative;cursor:pointer}
.agenda-heure input,.agenda-mode input{position:absolute;opacity:0;pointer-events:none}
.agenda-heure span{
  display:block;padding:11px 6px;border-radius:12px;border:1px solid rgba(16,34,53,.12);background:#fdfbf8;
  text-align:center;font-size:.93rem;font-weight:600;color:var(--navy);transition:.18s ease
}
.agenda-heure:hover span{border-color:rgba(158,133,96,.55);background:#fff}
.agenda-heure input:checked + span{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff}
.agenda-heure input:focus-visible + span,.agenda-mode input:focus-visible + span,.agenda-jour:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.agenda-modes{border:0;padding:0;margin:0 0 14px;display:flex;flex-wrap:wrap;gap:8px;min-width:0}
.agenda-modes legend{font-size:.88rem;font-weight:600;color:var(--navy);margin-bottom:8px;padding:0;width:100%}
.agenda-mode span{
  display:inline-block;padding:9px 14px;border-radius:999px;border:1px solid rgba(16,34,53,.14);background:#fdfbf8;
  font-size:.86rem;color:var(--text);transition:.18s ease
}
.agenda-mode:hover span{border-color:rgba(158,133,96,.55);background:#fff}
.agenda-mode input:checked + span{border-color:var(--navy);background:var(--navy);color:#fff}
.agenda-sans{display:flex;gap:10px;align-items:flex-start;margin-top:6px;padding-top:14px;border-top:1px solid var(--line);font-size:.86rem;color:var(--muted);line-height:1.55;cursor:pointer}
.agenda-sans input{margin-top:3px;accent-color:var(--gold);width:16px;height:16px;flex-shrink:0}
.agenda-recap{
  display:flex;justify-content:space-between;align-items:center;gap:12px;margin:0 0 14px;padding:12px 14px;
  border-radius:14px;background:rgba(158,133,96,.1);font-size:.88rem;line-height:1.5;color:var(--text)
}
.agenda-recap[hidden],[data-hint-rdv][hidden],[data-hint-demande][hidden],[data-sans-creneau][hidden]{display:none}
.agenda-recap strong{color:var(--navy)}
.agenda-modifier{flex:0 0 auto;background:none;border:0;padding:0;font:inherit;font-size:.84rem;font-weight:600;color:var(--gold-deep);text-decoration:underline;cursor:pointer}
@media (max-width:420px){.agenda-heures{grid-template-columns:repeat(3,1fr)}}

/* confirmation d'un rendez-vous réservé */
.success-rdv[hidden],[data-success-demande][hidden]{display:none}
.success-rdv-date{display:flex;flex-direction:column;gap:4px;margin:6px auto 12px;padding:14px 16px;max-width:420px;border-radius:16px;background:#fdfbf8;border:1px solid var(--line)}
.success-rdv-date strong{font-family:var(--font-display);font-size:1.35rem;font-weight:500;color:var(--navy)}
.success-rdv-date span{font-size:.88rem;color:var(--muted)}
.success-agenda{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin:16px 0 6px}

/* page « Mon rendez-vous » (lien de l'e-mail de confirmation) */
.rdv-carte{
  max-width:640px;margin:0 auto;padding:38px 40px;border-radius:28px;background:#fff;border:1px solid var(--line);
  box-shadow:0 26px 60px rgba(16,34,53,.08)
}
.rdv-carte h1{font-family:var(--font-display);font-size:clamp(1.8rem,3.4vw,2.4rem);font-weight:500;line-height:1.2;color:var(--navy);margin:10px 0 12px}
.rdv-carte p{font-size:.98rem;line-height:1.75;color:var(--muted);margin-bottom:10px}
.rdv-carte .rdv-mode{color:var(--text);font-weight:500}
.rdv-carte a:not(.btn){color:var(--navy);text-decoration:underline}
.rdv-actions{display:flex;flex-wrap:wrap;gap:10px;margin:20px 0 6px}
.rdv-annuler{margin-top:26px;padding-top:20px;border-top:1px solid var(--line)}
.rdv-annuler p{font-size:.9rem}
.rdv-annuler button{background:none;border:1px solid rgba(179,38,30,.35);color:#b3261e;border-radius:999px;padding:9px 16px;font:inherit;font-size:.88rem;cursor:pointer}
.rdv-annuler button:hover{background:#fdeceb}
@media (max-width:620px){.rdv-carte{padding:26px 20px}.rdv-actions .btn{width:100%}}

/* La rangée des jours défile horizontalement : sans min-width:0, elle élargirait la colonne du formulaire. */
.cta-grid > *,.booking-grid > *,.form-panel,.fstep{min-width:0}
.agenda-jours{max-width:100%}

/* ---------- Espace client : pastille à droite de l'en-tête, en dehors de celui-ci, à la même hauteur ----------
   À partir de 1640 px, l’en-tête reste centré et la pastille se place au bord droit de l'écran.
   De 1366 à 1639 px, l'en-tête se décale un peu vers la gauche pour lui laisser la place (menu légèrement resserré).
   En dessous, il n'y a plus la place à côté de l'en-tête : le lien est dans le menu sur mobile, et dans le pied de page. */
.nav-client{
  display:none;align-items:center;gap:8px;white-space:nowrap;padding:0 20px;border-radius:999px;
  background:rgba(250,247,242,.86);border:1px solid rgba(20,33,48,.06);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
  box-shadow:0 14px 34px rgba(20,33,48,.06);
  font-size:.92rem;font-weight:600;color:var(--navy);transition:.35s ease
}
.nav-client svg{color:var(--gold-deep);flex:0 0 auto}
.nav-client:hover{background:#fff}
.navbar.scrolled .nav-client{background:rgba(249,246,241,.96);box-shadow:0 16px 40px rgba(20,33,48,.10)}
.nav-client-menu{display:none}
.nav-client-menu a{display:inline-flex !important;align-items:center;gap:8px}
.nav-client-menu svg{color:var(--gold-deep)}
@media (min-width:1366px){
  .navbar-client{display:flex;justify-content:center;align-items:stretch;gap:12px;padding:0 20px}
  .navbar-client .nav-shell{flex:0 1 1240px;width:auto;min-width:0;margin:0}
  .navbar-client .nav-client{display:inline-flex}
}
@media (min-width:1366px) and (max-width:1639px){
  .navbar-client .nav-links{gap:18px}
  .navbar-client .nav-inner{gap:14px}
  .navbar-client .nav-phone{padding:12px 12px}
  .navbar-client .nav-client{padding:0 16px}
}
@media (min-width:1640px){
  .navbar-client{display:block;padding:0}
  .navbar-client .nav-shell{width:min(calc(100% - 40px), 1240px);margin:0 auto}
  .navbar-client .nav-client{position:absolute;right:20px;top:0;bottom:0}
}
@media (max-width:820px){.nav-client-menu{display:block}}