/* ==========================================================================
   Capitom — Design system
   Palette A « Bleu nuit & or » · Fraunces (titres) + Inter (texte)
   Règle : l'or ≤ 5 % de la surface d'une page
   ========================================================================== */

:root {
  --navy: #0B1F3A;
  --navy-2: #13315A;
  --navy-line: #1B3B6B;
  --ivory: #FAFAF7;
  --grey: #E8EAED;
  --gold: #C9A959;
  --blue: #1F4FD8;
  --ink: #17263B;
  --ink-soft: #46586F;
  --on-navy-soft: #B9C6DB;
  --radius: 8px;
  --maxw: 1120px;
  --font-display: 'Fraunces', Georgia, serif;
  --font-text: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-text);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }

h1, h2, h3 { font-family: var(--font-display); font-weight: 500; line-height: 1.25; margin: 0 0 0.5em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.18rem; }
p { margin: 0 0 1em; }
.tnum { font-variant-numeric: tabular-nums; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

.eyebrow {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 14px;
}

/* ---------- Boutons ---------- */
.btn {
  display: inline-block;
  font-family: var(--font-text);
  font-size: 0.95rem;
  font-weight: 500;
  text-decoration: none;
  padding: 13px 24px;
  border-radius: 6px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { box-shadow: 0 6px 18px rgba(201, 169, 89, 0.35); }
.btn-ghost { border-color: #3A557F; color: var(--ivory); }
.btn-ghost:hover { border-color: var(--gold); }
.btn-navy { background: var(--navy); color: var(--ivory); }
.btn-navy:hover { box-shadow: 0 6px 18px rgba(11, 31, 58, 0.3); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(11, 31, 58, 0.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 24px;
  max-width: var(--maxw);
  margin: 0 auto;
}
.logo {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 500;
  color: var(--ivory);
  text-decoration: none;
  position: relative;
  letter-spacing: 0.01em;
}
.logo .i-needle { position: relative; display: inline-block; }
.logo .i-needle svg {
  position: absolute;
  top: 0.02em;
  left: 50%;
  transform: translateX(-50%) rotate(40deg);
  width: 0.34em;
  height: 0.34em;
}
.nav-links { display: flex; align-items: center; gap: clamp(12px, 1.3vw, 24px); list-style: none; margin: 0; padding: 0; flex-wrap: nowrap; }
.nav-links a {
  font-size: 0.92rem;
  white-space: nowrap;
  color: var(--on-navy-soft);
  text-decoration: none;
  transition: color 0.2s ease;
}
.nav-links a:hover { color: var(--ivory); }
.nav-links a.btn-gold, .nav-links a.btn-gold:hover { color: var(--navy); }
.nav-cta { font-size: 0.88rem; padding: 10px 16px; }
.nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ivory);
  margin: 5px 0;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: var(--navy);
  color: var(--ivory);
  overflow: hidden;
}
.hero-inner {
  position: relative;
  z-index: 3;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: clamp(70px, 11vh, 130px) 24px clamp(90px, 14vh, 150px);
}
.hero-content { max-width: 560px; opacity: 0; transform: translateY(16px); }
.hero.is-in .hero-content { opacity: 1; transform: translateY(0); transition: opacity 1s ease 0.3s, transform 1s ease 0.3s; }
.hero h1 { color: var(--ivory); }
.hero .word { color: var(--gold); display: inline-block; }
.hero-slogan {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--on-navy-soft);
  margin: 16px 0 0;
}
.hero-sub { font-weight: 300; font-size: 1rem; color: var(--on-navy-soft); margin: 10px 0 0; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

.hero-topo, .hero-curve {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
}
.hero-topo { z-index: 1; }
.hero-curve { z-index: 2; }
.hero-halo {
  position: absolute;
  z-index: 0;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0.07;
  top: -140px;
  right: -90px;
  pointer-events: none;
}

/* ---------- Bandeau compteurs ---------- */
.counters {
  background: var(--navy);
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  color: var(--ivory);
}
.counters-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  padding: 44px 24px;
  max-width: var(--maxw);
  margin: 0 auto;
  text-align: center;
}
.counter-value {
  font-family: var(--font-text);
  font-variant-numeric: tabular-nums;
  font-size: clamp(1.7rem, 3.4vw, 2.4rem);
  font-weight: 500;
  color: var(--gold);
}
.counter-label { font-size: 0.88rem; font-weight: 300; color: var(--on-navy-soft); margin-top: 4px; }
.counters-note {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px 26px;
  font-size: 0.74rem;
  font-weight: 300;
  color: #7C90AC;
  text-align: center;
}

/* ---------- Sections ---------- */
.section { padding: clamp(64px, 9vw, 110px) 0; }
.section-navy { background: var(--navy); color: var(--ivory); }
.section-navy h2 { color: var(--ivory); }
.section-navy p { color: var(--on-navy-soft); }
.section-head { max-width: 640px; margin-bottom: 46px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.is-in { opacity: 1; transform: translateY(0); }

/* ---------- Cartes d'offres ---------- */
.offers-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.offer-card {
  background: #FFFFFF;
  border: 1px solid var(--grey);
  border-radius: var(--radius);
  padding: 30px 26px;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.offer-card:hover { transform: translateY(-3px); box-shadow: 0 14px 34px rgba(11, 31, 58, 0.1); }
.offer-range {
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}
.offer-card h3 { font-size: 1.5rem; margin: 8px 0 10px; }
.offer-desc { font-size: 0.94rem; color: var(--ink-soft); flex: 1; }
.offer-meta {
  font-size: 0.86rem;
  font-variant-numeric: tabular-nums;
  color: var(--ink);
  border-top: 1px solid var(--grey);
  padding-top: 14px;
  margin: 18px 0;
}
.offer-link {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  align-self: flex-start;
  padding-bottom: 2px;
}
.offer-link:hover { color: var(--blue); }

/* ---------- Argument honoraires ---------- */
.fees-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin: 40px 0; text-align: center; }
.fees-stat-value {
  font-variant-numeric: tabular-nums;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 500;
  color: var(--gold);
}
.fees-stat-label { font-size: 0.85rem; font-weight: 300; color: var(--on-navy-soft); margin-top: 4px; }
.fees-quote {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--ivory);
  border-left: 2px solid var(--gold);
  padding-left: 20px;
  margin: 36px 0 0;
}

/* ---------- Piliers ---------- */
.pillars { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.pillar { border-top: 2px solid var(--gold); padding-top: 18px; }
.pillar h3 { margin-bottom: 6px; }
.pillar p { font-size: 0.94rem; color: var(--ink-soft); margin: 0; }

/* ---------- Méthodologie ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding-top: 16px; }
.step::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  font-variant-numeric: tabular-nums;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.1em;
}
.step h3 { font-size: 1.05rem; margin: 6px 0 6px; }
.step p { font-size: 0.9rem; margin: 0; }

/* ---------- À propos condensé ---------- */
.about-split { display: grid; grid-template-columns: 300px 1fr; gap: 48px; align-items: center; }
.about-photo {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--on-navy-soft);
  font-size: 0.85rem;
  text-align: center;
  padding: 20px;
}

/* ---------- FAQ (details natifs) ---------- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--grey);
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 1.05rem;
  padding: 20px 34px 20px 0;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold);
  font-family: var(--font-text);
  font-size: 1.3rem;
  transition: transform 0.25s ease;
}
.faq-item[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq-item p { font-size: 0.94rem; color: var(--ink-soft); padding-bottom: 20px; margin: 0; }

/* ---------- Bloc conversion ---------- */
.cta-final { text-align: center; }
.cta-final h2 { max-width: 620px; margin-left: auto; margin-right: auto; }
.cta-final .btn { margin-top: 22px; }
.cta-human { font-size: 0.85rem; font-weight: 300; color: var(--on-navy-soft); margin-top: 16px; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: var(--on-navy-soft);
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  font-size: 0.88rem;
  font-weight: 300;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  padding: 58px 24px 40px;
  max-width: var(--maxw);
  margin: 0 auto;
}
.footer-brand .logo { font-size: 1.3rem; }
.footer-slogan { font-family: var(--font-display); margin: 12px 0 0; font-size: 0.95rem; }
.site-footer h4 {
  font-family: var(--font-text);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ivory);
  margin: 0 0 14px;
}
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: var(--on-navy-soft); text-decoration: none; }
.site-footer a:hover { color: var(--ivory); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  padding: 20px 24px;
  text-align: center;
  font-size: 0.78rem;
  color: #7C90AC;
}

/* ---------- Hint de chat (Crisp) ---------- */
.chat-hint {
  position: fixed;
  right: 84px;
  bottom: 26px;
  z-index: 60;
  background: var(--ivory);
  color: var(--ink);
  font-size: 0.86rem;
  padding: 14px 16px;
  border-radius: 10px;
  box-shadow: 0 10px 30px rgba(11, 31, 58, 0.25);
  border: 1px solid var(--grey);
  max-width: 300px;
  cursor: pointer;
  opacity: 0;
  transform: translateY(8px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.chat-hint.is-in { opacity: 1; transform: translateY(0); }
.chat-hint strong { font-weight: 500; }
.chat-hint-msg { margin: 0 18px 10px 0; cursor: pointer; }
.chat-hint-row { display: flex; gap: 8px; }
.chat-hint-input {
  flex: 1;
  min-width: 0;
  font-family: var(--font-text);
  font-size: 0.84rem;
  padding: 9px 11px;
  border: 1px solid var(--grey);
  border-radius: 7px;
  background: #FFFFFF;
  color: var(--ink);
}
.chat-hint-input:focus { border-color: var(--gold); outline: none; }
.chat-hint-send {
  flex-shrink: 0;
  font-family: var(--font-text);
  font-size: 0.82rem;
  font-weight: 500;
  padding: 9px 13px;
  border: none;
  border-radius: 7px;
  background: var(--navy);
  color: var(--ivory);
  cursor: pointer;
}
.chat-hint-send:hover { background: var(--navy-2); }
.chat-hint-close {
  position: absolute;
  top: 4px;
  right: 8px;
  background: none;
  border: none;
  font-size: 1rem;
  color: var(--ink-soft);
  cursor: pointer;
  padding: 4px;
}

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .counters-grid { grid-template-columns: repeat(2, 1fr); }
  .offers-grid, .fees-stats { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .pillars { grid-template-columns: 1fr; }
  .about-split { grid-template-columns: 1fr; }
  .about-photo { max-width: 300px; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
}
@media (max-width: 1080px) {
  .nav-links {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    background: var(--navy);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    padding: 10px 24px 18px;
    display: none;
  }
  .nav-links.is-open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: 12px 0; font-size: 1rem; }
  .nav-links a.nav-cta { display: block; text-align: center; margin-top: 10px; padding: 12px 22px; }
  .nav-toggle { display: block; }
  .counters-grid { grid-template-columns: 1fr; gap: 22px; padding: 36px 24px; }
  .hero-ctas .btn { width: 100%; text-align: center; }
  .chat-hint { right: 20px; bottom: 92px; }
}
@media (max-width: 560px) {
  .steps { grid-template-columns: 1fr; }
}

/* ---------- Accessibilité : réduction des animations ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal, .hero-content, .chat-hint { opacity: 1 !important; transform: none !important; transition: none !important; }
  .btn, .offer-card { transition: none; }
}

/* ==========================================================================
   Pages intérieures (vague 2)
   ========================================================================== */
.page-hero { background: var(--navy); color: var(--ivory); padding: clamp(56px, 8vw, 96px) 0; position: relative; overflow: hidden; }
.page-hero h1 { color: var(--ivory); max-width: 760px; }
.page-hero .lead { color: var(--on-navy-soft); max-width: 680px; font-weight: 300; }
.page-hero .hero-halo { width: 340px; height: 340px; top: -120px; right: -80px; }

.badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  background: var(--gold);
  color: var(--navy);
  padding: 5px 11px;
  border-radius: 4px;
}

/* Tableau comparatif (colonnes alignées, cartes sur mobile) */
.compare { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; align-items: stretch; }
.compare-col {
  background: #FFFFFF;
  border: 1px solid var(--grey);
  border-radius: var(--radius);
  padding: 30px 26px 26px;
  position: relative;
  display: flex;
  flex-direction: column;
}
.compare-col.is-featured { border-color: var(--gold); box-shadow: 0 16px 44px rgba(11, 31, 58, 0.12); }
.compare-col > .badge { position: absolute; top: -13px; left: 26px; }
.compare-col h3 { font-size: 1.55rem; margin-bottom: 2px; }
.compare-range { font-size: 0.82rem; color: var(--ink-soft); margin: 0 0 14px; }
.compare-row { padding: 11px 0; border-top: 1px solid var(--grey); font-size: 0.9rem; }
.compare-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 3px;
}
.compare-col .btn { margin-top: auto; text-align: center; }
.compare-col .compare-row:last-of-type { margin-bottom: 18px; }
.count { font-variant-numeric: tabular-nums; }

/* Listes à puces « aiguille » */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { padding: 10px 0 10px 26px; position: relative; border-bottom: 1px solid var(--grey); font-size: 0.95rem; }
.check-list li:last-child { border-bottom: none; }
.check-list li::before {
  content: '';
  position: absolute;
  left: 2px;
  top: 17px;
  width: 10px;
  height: 10px;
  transform: rotate(40deg);
  background: var(--gold);
  clip-path: polygon(50% 0, 80% 100%, 50% 74%, 20% 100%);
}
.section-navy .check-list li { border-color: rgba(255,255,255,0.08); color: var(--on-navy-soft); }

/* Bloc protection & prévoyance */
.protect { background: var(--navy); color: var(--ivory); border-radius: var(--radius); padding: 38px 34px; }
.protect h2, .protect h3 { color: var(--ivory); }
.protect p { color: var(--on-navy-soft); }
.protect-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 6px 28px; margin: 16px 0 20px; }

/* Boîte méta (honoraires / engagement) */
.meta-box {
  background: #FFFFFF;
  border: 1px solid var(--grey);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 26px 28px;
}
.meta-box .fees-stat-value { color: var(--navy); }

/* Deux colonnes génériques */
.split-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }

@media (max-width: 960px) {
  .compare { grid-template-columns: 1fr; }
  .compare-col > .badge { top: -12px; }
  .protect-grid, .split-2 { grid-template-columns: 1fr; }
}

/* Calculateur d'intérêts composés (version compacte) */
.calc {
  display: grid;
  grid-template-columns: 1fr 1.25fr;
  gap: 36px;
  background: var(--ivory);
  border: 1px solid var(--grey);
  border-radius: var(--radius);
  padding: 32px;
}
.calc label {
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin: 16px 0 6px;
}
.calc label:first-child { margin-top: 0; }
.calc input[type="number"] {
  width: 100%;
  padding: 11px 13px;
  border: 1px solid var(--grey);
  border-radius: 6px;
  font: inherit;
  font-variant-numeric: tabular-nums;
  background: #FFFFFF;
  color: var(--ink);
}
.calc input[type="number"]:focus { border-color: var(--gold); outline: none; }
.calc input[type="range"] { width: 100%; accent-color: var(--gold); margin-top: 4px; }
.calc-chart { width: 100%; height: auto; background: var(--navy); border-radius: 8px; }
.calc-stats { display: flex; flex-wrap: wrap; gap: 10px 30px; margin: 14px 0 0; }
.calc-big { font-size: 1.9rem; font-weight: 500; color: var(--navy); display: block; }
.calc-stat small { display: block; color: var(--ink-soft); font-size: 0.76rem; margin-top: 2px; }
@media (max-width: 960px) { .calc { grid-template-columns: 1fr; } }

/* ==========================================================================
   Vague 4 — Pédagogie & articles
   ========================================================================== */
.cards-grid { display: grid; grid-template-columns: repeat(2, 1fr); grid-auto-rows: 1fr; gap: 26px; align-items: stretch; }
.cards-grid .article-card { height: 100%; overflow: hidden; }
.article-card-body h3 { display: -webkit-box; -webkit-box-orient: vertical; -webkit-line-clamp: 3; overflow: hidden; line-height: 1.32; height: calc(1.32em * 3); margin-bottom: 18px; }
.article-excerpt { display: -webkit-box; -webkit-box-orient: vertical; -webkit-line-clamp: 3; overflow: hidden; line-height: 1.55; height: calc(1.55em * 3); flex: none; }
.article-card .article-meta { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.article-card-body .offer-link { margin-top: auto; }
.cards-grid .reveal { transform: scale(0.985) !important; }
.cards-grid .reveal.is-visible { transform: scale(1) !important; }
.article-card {
  background: #FFFFFF; border: 1px solid var(--grey); border-radius: var(--radius);
  overflow: hidden; display: flex; flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.article-card:hover { transform: translateY(-3px); box-shadow: 0 14px 34px rgba(11,31,58,0.1); }
.article-cover { aspect-ratio: 16 / 7; background: var(--navy); display: block; }
.article-card-body { padding: 22px 24px 24px; display: flex; flex-direction: column; flex: 1; }
.article-meta { font-size: 0.76rem; color: var(--ink-soft); letter-spacing: 0.04em; margin: 0 0 8px; }
.article-card h3 { font-size: 1.2rem; margin: 0 0 8px; }
.article-excerpt { font-size: 0.9rem; color: var(--ink-soft); flex: 1; }
.article-card .offer-link { margin-top: 14px; }

.btn-dl { display: inline-flex; align-items: center; gap: 9px; }
.btn-dl svg { width: 15px; height: 15px; }

/* Gabarit d'article */
.article-layout { display: grid; grid-template-columns: 230px minmax(0, 1fr); gap: 52px; align-items: start; }
.article-toc { position: sticky; top: 92px; }
.article-toc h4 { font-family: var(--font-text); font-size: 0.72rem; font-weight: 500; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-soft); margin: 0 0 12px; }
.article-toc a {
  display: block; font-size: 0.85rem; color: var(--ink-soft); text-decoration: none;
  padding: 6px 0 6px 14px; border-left: 2px solid var(--grey); line-height: 1.4;
}
.article-toc a:hover { color: var(--navy); }
.article-toc a.is-active { color: var(--navy); border-left-color: var(--gold); font-weight: 500; }
.toc-mobile { display: none; }
.article-body { max-width: 720px; }
.article-body h2 { font-size: 1.45rem; margin: 2em 0 0.6em; scroll-margin-top: 92px; }
.article-body p { font-size: 1rem; color: var(--ink); }
.article-chapo { font-size: 1.12rem; font-weight: 300; color: var(--ink-soft); }
.article-cta { background: var(--navy); border-radius: var(--radius); padding: 28px 30px; margin: 2.4em 0; }
.article-cta p { color: var(--ivory); font-family: var(--font-display); font-size: 1.08rem; margin: 0 0 16px; }
.article-sources { font-size: 0.86rem; color: var(--ink-soft); border-top: 1px solid var(--grey); padding-top: 18px; margin-top: 2.4em; }
.article-disclaimer { font-size: 0.78rem; font-style: italic; color: var(--ink-soft); margin-top: 16px; }

.authorbox { border: 1px solid var(--grey); border-left: 3px solid var(--gold); border-radius: var(--radius); padding: 24px 26px; display: grid; grid-template-columns: 104px 1fr; gap: 22px; margin-top: 2.6em; align-items: center; }
.authorbox-photo { aspect-ratio: 1; border-radius: 8px; background: linear-gradient(160deg, var(--navy), var(--navy-2)); display: flex; align-items: center; justify-content: center; color: var(--on-navy-soft); font-size: 0.66rem; text-align: center; padding: 8px; }
.authorbox-photo.has-photo { padding: 0; overflow: hidden; }
.authorbox-photo img { width: 100%; height: 100%; object-fit: cover; display: block; border-radius: 8px; }
.authorbox h4 { font-family: var(--font-display); font-size: 1.05rem; margin: 0 0 6px; }
.authorbox p { font-size: 0.88rem; color: var(--ink-soft); margin: 0 0 10px; }
.authorbox-links { display: flex; flex-wrap: wrap; gap: 18px; font-size: 0.88rem; }

@media (max-width: 960px) {
  .cards-grid { grid-template-columns: 1fr; }
  .article-layout { grid-template-columns: minmax(0, 1fr); gap: 0; } /* jamais 1fr nu : 1fr = minmax(auto,1fr), la colonne s'élargirait à la largeur minimale des tableaux et rognerait tout le texte */
  .article-layout > * { min-width: 0; }
  .article-toc { display: none; }
  .toc-mobile { display: block; margin-bottom: 26px; border: 1px solid var(--grey); border-radius: var(--radius); padding: 4px 18px; background: #fff; }
  .toc-mobile summary { font-family: var(--font-display); font-size: 0.98rem; padding: 12px 0; cursor: pointer; list-style: none; }
  .toc-mobile summary::-webkit-details-marker { display: none; }
  .toc-mobile a { display: block; font-size: 0.9rem; color: var(--ink-soft); text-decoration: none; padding: 8px 0; border-top: 1px solid var(--grey); }
  .authorbox { grid-template-columns: 1fr; }
  .authorbox-photo { max-width: 104px; }
}

/* Tableaux d'articles */
.article-table { width: 100%; border-collapse: collapse; margin: 1.5em 0 0.4em; font-size: 0.92rem; }
.article-table th {
  font-family: var(--font-text); font-size: 0.72rem; font-weight: 500;
  letter-spacing: 0.07em; text-transform: uppercase; color: var(--ink-soft);
  text-align: left; padding: 10px 14px 8px; border-bottom: 2px solid var(--gold);
}
.article-table td { padding: 10px 14px; border-bottom: 1px solid var(--grey); font-variant-numeric: tabular-nums; }
.article-table tr:last-child td { border-bottom: none; }
.article-table th:last-child, .article-table td:last-child { text-align: right; }
.article-table + p em { font-size: 0.78rem; color: var(--ink-soft); }
@media (max-width: 700px) { .article-table { font-size: 0.83rem; } .article-table th, .article-table td { padding: 8px 8px; } }
/* Tableaux d'articles : jamais de rognage, défilement horizontal si le contenu dépasse (mobile surtout) */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; max-width: 100%; }
.table-scroll > .article-table { margin: 1.5em 0 0.4em; }


/* ==========================================================================
   Vague 5 — Outils, FAQ, Contact, Mentions
   ========================================================================== */
.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.chips a {
  font-size: 0.82rem; color: var(--ivory); text-decoration: none;
  border: 1px solid rgba(250,250,247,0.35); border-radius: 999px; padding: 7px 16px;
  transition: border-color 0.2s ease, background 0.2s ease;
}
.chips a:hover { border-color: var(--gold); color: var(--gold); }
.calc-section { scroll-margin-top: 84px; }
.fisc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 18px; }
.fisc-card { background: #fff; border: 1px solid var(--grey); border-radius: 8px; padding: 18px 18px 16px; }
.fisc-card h4 { font-family: var(--font-display); font-size: 1rem; margin: 0 0 4px; }
.fisc-card small { display: block; color: var(--ink-soft); font-size: 0.72rem; margin-bottom: 10px; }
.fisc-net { font-size: 1.3rem; font-weight: 500; color: var(--navy); }
.fisc-tax { font-size: 0.8rem; color: var(--ink-soft); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.form-grid .full { grid-column: 1 / -1; }
.form-grid label { display: block; font-size: 0.72rem; font-weight: 500; letter-spacing: 0.07em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 6px; }
.form-grid input, .form-grid select, .form-grid textarea {
  width: 100%; padding: 11px 13px; border: 1px solid var(--grey); border-radius: 6px;
  font: inherit; background: #fff; color: var(--ink);
}
.form-grid input:focus, .form-grid select:focus, .form-grid textarea:focus { border-color: var(--gold); outline: none; }
.form-consent { display: flex; gap: 10px; align-items: flex-start; font-size: 0.82rem; color: var(--ink-soft); }
.form-consent input { width: auto; margin-top: 3px; }
.form-success { background: var(--navy); color: var(--ivory); border-radius: var(--radius); padding: 18px 22px; margin-bottom: 26px; display: none; }
.legal h2 { font-size: 1.25rem; margin: 2.2em 0 0.5em; scroll-margin-top: 92px; }
.legal p, .legal li { font-size: 0.92rem; color: var(--ink-soft); }
.todo-legal { background: #FFF7E6; border: 1px dashed var(--gold); border-radius: 6px; padding: 2px 8px; color: #8a6d1d; font-size: 0.85em; }
@media (max-width: 900px) { .fisc-grid { grid-template-columns: 1fr; } .form-grid { grid-template-columns: 1fr; } }


/* Bulle de réouverture du chat */
.chat-bubble {
  position: fixed; right: 22px; bottom: 22px; z-index: 58;
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--navy); border: 1px solid rgba(201, 169, 89, 0.55);
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.35);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; opacity: 0; transform: translateY(8px) scale(0.9);
  transition: opacity 0.5s ease, transform 0.5s ease, box-shadow 0.25s ease;
}
.chat-bubble.is-in { opacity: 1; transform: translateY(0) scale(1); }
.chat-bubble:hover { box-shadow: 0 10px 30px rgba(201, 169, 89, 0.35); transform: translateY(-2px) scale(1.04); }
.chat-bubble svg { width: 26px; height: 26px; }
.chat-hint { z-index: 59; }
@media (max-width: 640px) { .chat-bubble { right: 14px; bottom: 14px; } }


/* Étiquette d'invitation à côté de la bulle */
.chat-bubble-label {
  position: fixed; right: 84px; bottom: 34px; z-index: 58;
  background: #FFFFFF; border: 1px solid var(--grey); border-radius: 999px;
  padding: 9px 16px; font-size: 0.82rem; color: var(--ink-soft);
  box-shadow: 0 6px 18px rgba(11, 31, 58, 0.12); cursor: pointer;
  opacity: 0; transform: translateY(6px); transition: opacity 0.5s ease 0.15s, transform 0.5s ease 0.15s;
  white-space: nowrap;
}
.chat-bubble-label.is-in { opacity: 1; transform: translateY(0); }
.chat-bubble-label:hover { border-color: var(--gold); color: var(--ink); }
@media (max-width: 640px) { .chat-bubble-label { right: 76px; bottom: 26px; font-size: 0.78rem; } }


/* Capsule de chat : texte et logo fusionnés */
.chat-dock {
  position: fixed; right: 22px; bottom: 22px; z-index: 58;
  display: flex; align-items: center; gap: 14px;
  background: #FFFFFF; border: 1px solid var(--grey); border-radius: 999px;
  padding: 7px 7px 7px 20px; cursor: pointer;
  box-shadow: 0 8px 24px rgba(11, 31, 58, 0.16);
  opacity: 0; transform: translateY(8px);
  transition: opacity 0.5s ease, transform 0.5s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
.chat-dock.is-in { opacity: 1; transform: translateY(0); }
.chat-dock:hover { border-color: var(--gold); box-shadow: 0 10px 30px rgba(201, 169, 89, 0.3); }
.chat-dock-text { font-family: inherit; font-size: 0.86rem; color: var(--ink); white-space: nowrap; }
.chat-dock-logo {
  width: 42px; height: 42px; border-radius: 50%; flex: none;
  background: var(--navy); border: 1px solid rgba(201, 169, 89, 0.55);
  display: flex; align-items: center; justify-content: center;
}
.chat-dock-logo svg { width: 22px; height: 22px; }
@media (max-width: 640px) {
  .chat-dock { right: 14px; bottom: 14px; padding: 6px; }
  .chat-dock-text { display: none; }
}


/* Légendes des graphiques de projection */
.chart-legend { font-size: 0.78rem; color: var(--ink-soft); margin: 10px 0 0; }
.leg-gold, .leg-grey, .leg-dash { display: inline-block; width: 18px; height: 3px; border-radius: 2px; vertical-align: middle; margin-right: 6px; }
.leg-gold { background: var(--gold); }
.leg-grey { background: #98A3B3; }
.leg-dash { background: repeating-linear-gradient(90deg, var(--gold) 0 5px, transparent 5px 9px); }

/* Barre de décomposition du coût total du crédit */
.loan-bar { display: flex; height: 26px; border-radius: 8px; overflow: hidden; margin-top: 16px; border: 1px solid var(--grey); }
.loan-bar span { display: block; height: 100%; transition: width 0.4s ease; }
.loan-cap { background: var(--navy); }
.loan-int { background: var(--gold); }
.loan-ass { background: #B9C6DB; }

/* Verrous de marque : le logo et les libellés du menu ne se coupent jamais */
.logo, .footer-brand { white-space: nowrap; flex-shrink: 0; }
.logo *, .footer-brand * { white-space: nowrap; }
.nav-links a { white-space: nowrap; }

/* Notes académiques de fin de chapitre */
sup.fn { color: var(--gold); font-weight: 700; font-size: 0.72em; letter-spacing: 0.04em; }
.article-notes { border-top: 1px solid var(--grey); margin: 20px 0 30px; padding-top: 10px; }
.article-notes p { font-size: 0.8rem; color: var(--ink-soft); margin: 0 0 5px; line-height: 1.5; }
.article-notes sup { color: var(--gold); font-weight: 700; margin-right: 5px; }


/* Sous-menus du bandeau (Offres, Calculateurs) */
.nav-links li.has-sub { position: relative; }
.nav-links .has-sub > a::after { content: " \25BE"; font-size: 0.62em; color: var(--gold); }
.sub-menu { position: absolute; top: 100%; left: -6px; background: var(--navy); border: 1px solid rgba(255,255,255,0.1); border-top: 2px solid var(--gold); min-width: 236px; padding: 8px 0; margin: 0; list-style: none; display: none; z-index: 70; box-shadow: 0 14px 34px rgba(4,12,24,0.45); }
.has-sub:hover .sub-menu, .has-sub:focus-within .sub-menu { display: block; }
.sub-menu li { width: auto; }
.sub-menu a { display: block; padding: 9px 18px; font-size: 0.86rem; }
@media (max-width: 1080px) { .sub-menu, .has-sub:hover .sub-menu, .has-sub:focus-within .sub-menu { display: none; } .nav-links .has-sub > a::after { content: ""; } }

/* Capsule de chat : texte sur deux lignes */
.chat-dock-text { white-space: normal; max-width: 250px; line-height: 1.4; text-align: left; }

/* Ancres : arriver précisément sur le calculateur visé */
html { scroll-behavior: smooth; }
section[id] { scroll-margin-top: 86px; }

/* --- V2.1 : accordéons du menu mobile --- */
@media (max-width: 1080px) {
  .nav-links .has-sub > a::after { content: " \25BE"; font-size: 0.62em; color: var(--gold); }
  .nav-links .has-sub.open > a::after { content: " \25B4"; }
  .nav-links .has-sub.open .sub-menu {
    display: block; position: static; background: transparent;
    border: none; box-shadow: none; padding: 2px 0 6px 16px; min-width: 0;
  }
  .nav-links .has-sub.open .sub-menu a { padding: 7px 0; font-size: 0.9rem; opacity: 0.92; }
}
/* --- V2.1 : anti-débordement horizontal (mobile) --- */
html, body { max-width: 100%; overflow-x: clip; }
@supports not (overflow: clip) { html, body { overflow-x: hidden; } }
img, svg, canvas { max-width: 100%; }
@media (max-width: 760px) {
  .calc { padding: 22px 16px; }
  .calc > * { min-width: 0; }
  .calc div[style*="grid-template-columns"] { grid-template-columns: 1fr !important; max-width: 100% !important; }
  .fisc-grid { grid-template-columns: 1fr; }
  .calc input, .calc select { width: 100%; min-width: 0; box-sizing: border-box; }
  .calc-big { font-size: 1.55rem; }
}
/* --- V2.1 : liens d'articles visibles dans « Ce qui nous guide » --- */
#reperes .offer-link { color: var(--gold); border-bottom-color: var(--gold); }
#reperes .offer-link:hover { color: #E4CE96; }

/* --- V2.1b : page contact & sections en étapes — cartes empilées sur mobile --- */
@media (max-width: 760px) {
  .steps[style*="grid-template-columns"] { grid-template-columns: 1fr !important; max-width: 100% !important; }
}

/* ---------- Newsletter (v2026-08-19) ---------- */
.newsletter-band {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 46px 40px;
  text-align: center;
}
.newsletter-band h2 { color: var(--ivory); }
.newsletter-band p { color: var(--on-navy-soft); max-width: 660px; margin: 0 auto 24px; }
.newsletter-band .eyebrow { color: var(--gold); }
.article-newsletter {
  background: #FFFFFF;
  border: 1px solid var(--grey);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 26px 28px;
  margin: 2.2em 0 0;
}
.article-newsletter .article-newsletter-title {
  font-family: var(--font-display);
  font-size: 1.18rem;
  color: var(--navy);
  margin: 0 0 8px;
}
.article-newsletter p { margin: 0 0 16px; color: var(--ink-soft); }
.newsletter-embed { max-width: 620px; margin: 0 auto; }
.newsletter-embed .sib-form { border-radius: var(--radius); overflow: hidden; }
#sib-container, #sib-container input, #sib-container label, #sib-container p, #sib-container button, #sib-container span {
  font-family: var(--font-text) !important;
}
.newsletter-points { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 10px; }
.newsletter-points .pillar h3 { font-size: 1.12rem; }
@media (max-width: 760px) {
  .newsletter-points { grid-template-columns: 1fr; }
  .newsletter-band { padding: 36px 22px; }
}