/* ==========================================================================
   Justin Bellemare — Courtier hypothécaire
   Charte : Bleu ardoise / Noir profond / Gris doux / Bleu brume / Jaune lumineux
   Police unique : Inter. Le jaune signale (actions), il ne décore pas.
   ========================================================================== */

:root {
  /* Couleurs de marque */
  --slate: #2F4C55;         /* Bleu ardoise — primaire de marque */
  --slate-600: #3A5B65;
  --slate-800: #233A41;
  --ink: #111114;           /* Noir profond — encre, sections sombres */
  --ink-2: #1B1D22;
  --soft: #F2F3F5;          /* Gris doux — fond dominant */
  --mist: #CADDE1;          /* Bleu brume — structure */
  --mist-2: #E4EEF0;
  --signal: #FFF36D;        /* Jaune lumineux — alerte / signal / CTA */
  --signal-600: #F5E64A;
  --white: #FFFFFF;         /* Blanc pur — cartes */

  /* Rôles sémantiques */
  --bg: var(--soft);
  --surface: var(--white);
  --text: var(--ink);
  --text-muted: #4B5A60;
  --text-on-dark: #F2F3F5;
  --text-on-dark-muted: #B9C7CB;
  --border: #D9E3E6;
  --focus: #2F4C55;
  --error: #B42318;
  --success: #1F7A4D;

  /* Typo */
  --font: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --fs-xs: .8125rem; --fs-sm: .9375rem; --fs-base: 1rem; --fs-md: 1.125rem;
  --fs-lg: 1.375rem; --fs-xl: clamp(1.6rem, 1.2rem + 1.6vw, 2.25rem);
  --fs-2xl: clamp(2rem, 1.3rem + 2.8vw, 3.25rem); --fs-3xl: clamp(2.4rem, 1.4rem + 4vw, 4.25rem);

  /* Espacement (échelle 8) */
  --s1: .25rem; --s2: .5rem; --s3: .75rem; --s4: 1rem; --s5: 1.5rem; --s6: 2rem;
  --s7: 3rem; --s8: 4rem; --s9: 6rem; --s10: 8rem;

  --radius-sm: 10px; --radius: 18px; --radius-lg: 28px; --pill: 999px;
  --container: 1200px;
  --header-h: 84px;
  --ease: cubic-bezier(.2, .7, .2, 1);
  --dur: 180ms;
  --z-header: 100; --z-menu: 200; --z-toast: 1000;
}

/* --------------------------------------------------------------- Base */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0; font-family: var(--font); font-size: var(--fs-base); line-height: 1.6;
  color: var(--text); background: var(--bg); font-feature-settings: "cv11", "ss01";
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--slate); text-underline-offset: 3px; }
a:hover { color: var(--slate-800); }
h1, h2, h3, h4 { margin: 0 0 var(--s4); line-height: 1.12; letter-spacing: -0.022em; font-weight: 700; text-wrap: balance; }
h1 { font-size: var(--fs-3xl); }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-lg); font-weight: 600; letter-spacing: -0.012em; }
p { margin: 0 0 var(--s4); }
ul { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 6px; }
.on-dark :focus-visible, .site-footer :focus-visible, .hero :focus-visible { outline-color: var(--signal); }
.tabular { font-variant-numeric: tabular-nums; }
.nowrap { white-space: nowrap; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 16px; top: -60px; z-index: 9999; background: var(--signal); color: var(--ink);
  padding: 10px 16px; border-radius: var(--pill); font-weight: 600; text-decoration: none; transition: top var(--dur); }
.skip-link:focus { top: 12px; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 20px; }
@media (min-width: 768px) { .container { padding-inline: 32px; } }
.section { padding-block: var(--s9); }
.section--tight { padding-block: var(--s8); }
.section--white { background: var(--white); }
.section--mist { background: var(--mist-2); }
.section--dark { background: var(--ink); color: var(--text-on-dark); }
.section--slate { background: var(--slate); color: var(--text-on-dark); }
@media (max-width: 767px) { .section { padding-block: var(--s8); } .section--tight { padding-block: var(--s7); } }

.eyebrow { display: inline-block; font-size: var(--fs-xs); font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--slate); margin-bottom: var(--s3); }
.on-dark .eyebrow, .section--dark .eyebrow, .section--slate .eyebrow { color: var(--mist); }
.lead { font-size: var(--fs-md); color: var(--text-muted); max-width: 62ch; }
.section--dark .lead, .section--slate .lead, .on-dark .lead { color: var(--text-on-dark-muted); }
.section-head { max-width: 760px; margin-bottom: var(--s7); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .lead { margin-inline: auto; }
.muted { color: var(--text-muted); }

/* --------------------------------------------------------------- Boutons */
.btn {
  --btn-bg: transparent; --btn-fg: var(--ink); --btn-bd: var(--ink);
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  min-height: 48px; padding: .8em 1.5em; border-radius: var(--pill);
  background: var(--btn-bg); color: var(--btn-fg); border: 1.5px solid var(--btn-bd);
  font-size: var(--fs-sm); font-weight: 600; letter-spacing: .01em; line-height: 1.2; text-decoration: none; text-align: center;
  transition: background-color var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease), transform var(--dur) var(--ease);
  touch-action: manipulation; cursor: pointer;
}
.btn:hover { color: var(--btn-fg); }
.btn:active { transform: scale(.98); }
.btn svg { width: 1.1em; height: 1.1em; flex: none; }
.btn--signal { --btn-bg: var(--signal); --btn-fg: var(--ink); --btn-bd: var(--signal); }
.btn--signal:hover { --btn-bg: var(--signal-600); --btn-bd: var(--signal-600); }
.btn--primary { --btn-bg: var(--slate); --btn-fg: var(--white); --btn-bd: var(--slate); }
.btn--primary:hover { --btn-bg: var(--slate-800); --btn-bd: var(--slate-800); }
.btn--outline { --btn-bg: transparent; --btn-fg: var(--ink); --btn-bd: #B8C6CA; }
.btn--outline:hover { --btn-bd: var(--ink); }
.btn--ghost-light { --btn-bg: transparent; --btn-fg: var(--white); --btn-bd: rgba(255,255,255,.55); }
.btn--ghost-light:hover { --btn-bg: rgba(255,255,255,.1); --btn-bd: var(--white); }
.btn--lg { min-height: 56px; padding: .95em 1.8em; font-size: var(--fs-base); }
.btn--block { width: 100%; }
.btn[disabled], .btn[aria-busy="true"] { opacity: .55; cursor: not-allowed; }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--s3); align-items: center; }
.btn-row > .btn { white-space: nowrap; }
/* Paire de boutons côte à côte, même hauteur ; empilés pleine largeur sur petit écran */
.btn-row--pair { flex-wrap: nowrap; align-items: stretch; }
@media (max-width: 1099px) { .btn-row--pair { flex-wrap: wrap; } }
@media (max-width: 560px) { .btn-row > .btn { flex: 1 1 100%; } }

.link-arrow { display: inline-flex; align-items: center; gap: .6em; font-size: var(--fs-xs); font-weight: 600; letter-spacing: .12em;
  text-transform: uppercase; color: var(--ink); text-decoration: none; padding-block: .5em; }
.link-arrow svg { width: 22px; height: 22px; transition: transform var(--dur) var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }
.on-dark .link-arrow, .section--dark .link-arrow { color: var(--white); }

/* --------------------------------------------------------------- En-tête */
.topbar { background: var(--slate); color: var(--text-on-dark); font-size: var(--fs-xs); }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--s4); min-height: 40px; }
.topbar a { color: var(--white); text-decoration: none; }
.topbar a:hover { text-decoration: underline; }
.topbar__left, .topbar__right { display: flex; align-items: center; gap: var(--s5); }
.topbar__item { display: inline-flex; align-items: center; gap: .45em; }
.topbar__item svg { width: 15px; height: 15px; opacity: .85; }
.topbar__social { display: flex; gap: var(--s2); }
.topbar__social a { display: inline-grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; }
.topbar__social a:hover { background: rgba(255,255,255,.12); }
.topbar__social svg { width: 15px; height: 15px; }
@media (max-width: 860px) { .topbar__hide-sm { display: none; } }

.site-header { position: sticky; top: 0; z-index: var(--z-header); background: rgba(255,255,255,.96);
  backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--border); }
.site-header__inner { display: flex; align-items: center; gap: var(--s5); min-height: var(--header-h); max-width: 1520px; }
.site-header .btn, .nav__link { white-space: nowrap; }

.brand { display: flex; align-items: center; gap: 18px; text-decoration: none; color: var(--slate); flex: none; }
.brand__cabinet { height: 42px; width: auto; }
.brand__sep { width: 1px; align-self: stretch; margin-block: 22px; background: var(--border); }
.brand__team { height: 30px; width: auto; }
.brand__name { font-weight: 600; font-size: 1.05rem; letter-spacing: -0.01em; color: var(--slate); white-space: nowrap; }
/* Seuils de l'en-tête : menu complet ≥ 1360 px (6 entrées + bouton d'action); nom affiché ≥ 1560 px */
@media (max-width: 1559px) { .brand__name, .brand__sep--name { display: none; } }
@media (min-width: 1360px) and (max-width: 1459px) { .nav__link { padding: 0 10px; } .site-header__inner { gap: var(--s4); } }
@media (max-width: 560px) { .brand__cabinet { height: 30px; } .brand__team { height: 20px; } .brand { gap: 10px; } .brand__sep { margin-block: 26px; } .header-actions { gap: var(--s2); } }
@media (max-width: 349px) { .brand__team, .brand__sep { display: none; } }

.nav { margin-left: auto; }
.nav__list { list-style: none; display: flex; align-items: center; gap: 4px; }
.nav__link { display: inline-flex; align-items: center; min-height: 44px; padding: 0 12px; border-radius: var(--pill);
  color: var(--ink); font-size: var(--fs-sm); font-weight: 500; text-decoration: none; transition: background-color var(--dur); }
.nav__link:hover { background: var(--soft); color: var(--ink); }
.nav__link[aria-current="page"] { color: var(--slate); font-weight: 600; box-shadow: inset 0 -2px 0 var(--slate); border-radius: 0; }
/* Sous-menu Services */
.nav__item--menu { position: relative; display: flex; align-items: center; }
.nav__sub-toggle { display: inline-grid; place-items: center; width: 28px; height: 44px; margin-left: -8px; border: 0; background: transparent; color: var(--ink); border-radius: 8px; }
.nav__sub-toggle svg { width: 16px; height: 16px; transition: transform var(--dur) var(--ease); }
.nav__sublink { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: var(--radius-sm); color: var(--ink); text-decoration: none; font-size: var(--fs-sm); font-weight: 500; line-height: 1.3; }
.nav__sublink:hover { background: var(--soft); color: var(--ink); }
.nav__sublink[aria-current="page"] { background: var(--mist-2); color: var(--slate); font-weight: 600; }
.nav__subicon { flex: none; width: 34px; height: 34px; }
.nav__subicon svg { width: 100%; height: 100%; }
@media (min-width: 1360px) {
  .nav__submenu { list-style: none; position: absolute; top: 100%; left: -12px; min-width: 330px; margin-top: 10px; padding: 8px; background: var(--white);
    border: 1px solid var(--border); border-radius: var(--radius); box-shadow: 0 18px 40px -18px rgba(17,17,20,.3);
    opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), visibility 0s linear var(--dur); z-index: 5; }
  .nav__submenu::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; } /* pont de survol */
  .nav__item--menu:hover .nav__submenu, .nav__item--menu:focus-within .nav__submenu, .nav__item--menu.is-open .nav__submenu {
    opacity: 1; visibility: visible; transform: none; transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease); }
  .nav__item--menu:hover .nav__sub-toggle svg, .nav__item--menu.is-open .nav__sub-toggle svg { transform: rotate(180deg); }
  .nav__item--menu.is-closed .nav__submenu { opacity: 0; visibility: hidden; }
}
@media (max-width: 1359px) {
  .nav__item--menu { flex-wrap: wrap; }
  .nav__item--menu > .nav__link { flex: 1; }
  .nav__sub-toggle { display: none; }
  .nav__submenu { list-style: none; width: 100%; padding: 0 0 8px 12px; margin: 0 0 6px 12px; border-left: 2px solid var(--mist); }
  .nav__sublink { font-size: var(--fs-base); min-height: 48px; }
}

.header-actions { display: flex; align-items: center; gap: var(--s3); }
.lang-switch { display: inline-grid; place-items: center; min-width: 44px; min-height: 44px; border-radius: var(--pill);
  font-size: var(--fs-xs); font-weight: 700; letter-spacing: .08em; color: var(--slate); text-decoration: none; border: 1.5px solid var(--border); }
.lang-switch:hover { border-color: var(--slate); }

.menu-toggle { display: none; width: 48px; height: 48px; border-radius: 50%; border: 1.5px solid var(--border); background: var(--white);
  align-items: center; justify-content: center; }
.menu-toggle svg { width: 22px; height: 22px; }

@media (max-width: 1359px) {
  .menu-toggle { display: inline-flex; }
  .header-actions { margin-left: auto; }
  /* L'en-tête (backdrop-filter) sert de bloc conteneur : le menu s'ouvre juste sous lui */
  .nav { position: absolute; top: 100%; left: 0; right: 0; margin: 0; background: var(--white);
    border-bottom: 1px solid var(--border); box-shadow: 0 24px 48px -24px rgba(17,17,20,.25);
    max-height: calc(100dvh - var(--header-h)); overflow: auto;
    transform: translateY(-8px); opacity: 0; visibility: hidden; transition: opacity var(--dur), transform var(--dur), visibility 0s linear var(--dur); }
  .nav.is-open { transform: none; opacity: 1; visibility: visible; transition: opacity var(--dur), transform var(--dur); }
  .nav__list { flex-direction: column; align-items: stretch; padding: 12px 20px 24px; gap: 2px; }
  .nav__link { min-height: 52px; font-size: var(--fs-md); border-radius: var(--radius-sm); padding: 0 12px; }
  .nav__link[aria-current="page"] { box-shadow: inset 3px 0 0 var(--slate); background: var(--soft); }
  .nav__cta { margin-top: 12px; }
}
/* Bouton d'action : dans l'en-tête dès 768 px, sinon dans le menu mobile */
@media (max-width: 767px) { .header-actions .btn--signal { display: none; } }
@media (min-width: 768px) { .nav__cta { display: none; } }

/* --------------------------------------------------------------- Hero */
.hero { position: relative; isolation: isolate; color: var(--white); overflow: hidden; background: var(--ink); }
.hero__media { position: absolute; inset: 0; z-index: -2; background: var(--ink); }
.hero__video { transition: opacity 1.2s ease; }
.hero__video.is-faded { opacity: 0; }
.hero__media img, .hero__media video { width: 100%; height: 100%; object-fit: cover; object-position: center 40%; display: block; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(90deg, rgba(17,17,20,.82) 0%, rgba(35,58,65,.62) 55%, rgba(35,58,65,.25) 100%),
              linear-gradient(0deg, rgba(17,17,20,.55) 0%, rgba(17,17,20,0) 40%); }
.hero__inner { min-height: min(78vh, 720px); display: flex; flex-direction: column; justify-content: center; padding-block: var(--s9); }
.hero h1 { max-width: 19ch; margin-bottom: var(--s5); }
.hero__lead { font-size: clamp(1.05rem, .95rem + .5vw, 1.3rem); color: #E3EAEC; max-width: 52ch; margin-bottom: var(--s6); }
.hero__badges { display: flex; flex-wrap: wrap; gap: var(--s3) var(--s5); margin-top: var(--s7); font-size: var(--fs-sm); color: #DDE6E8; list-style: none; }
.hero__badges li { display: inline-flex; align-items: center; gap: .5em; }
.hero__badges svg { width: 18px; height: 18px; color: var(--signal); }

.page-hero { position: relative; isolation: isolate; color: var(--white); background: var(--slate); overflow: hidden; }
.page-hero__media { position: absolute; inset: 0; z-index: -2; }
.page-hero__media img { width: 100%; height: 100%; object-fit: cover; }
.page-hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(17,17,20,.85), rgba(47,76,85,.7)); }
.page-hero__inner { padding-block: var(--s9) var(--s8); }
.page-hero h1 { font-size: var(--fs-2xl); max-width: 20ch; }
.page-hero__eyebrow { display: block; font-size: var(--fs-lg); font-weight: 500; color: var(--mist); margin-bottom: var(--s1); letter-spacing: -0.01em; }
.page-hero p { color: #E3EAEC; max-width: 60ch; font-size: var(--fs-md); margin: 0; }
.breadcrumb { font-size: var(--fs-xs); letter-spacing: .12em; text-transform: uppercase; font-weight: 600; color: var(--mist); margin-bottom: var(--s4); }
.breadcrumb a { color: var(--mist); text-decoration: none; }
.breadcrumb a:hover { color: var(--white); }

/* --------------------------------------------------------------- Chemins (3 colonnes) */
.paths { background: var(--white); }
.paths__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.path { padding: var(--s7) var(--s5); display: flex; gap: var(--s4); }
.path:first-child { padding-left: 0; }
.path:last-child { padding-right: 0; }
.paths__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (min-width: 1200px) { .path .link-arrow { white-space: nowrap; } }
.path + .path { border-left: 1px solid var(--border); }
.path__icon { flex: none; width: 56px; height: 56px; }
/* Contenu en colonne : les liens s'alignent en bas des trois cases, peu importe la longueur du texte */
.path > div:last-child { display: flex; flex-direction: column; flex: 1; min-width: 0; }
.path > div:last-child p { flex: 1; }
.path .link-arrow { align-self: flex-start; }
.path h2, .path h3 { font-size: var(--fs-lg); font-weight: 600; margin-bottom: var(--s3); }
.path p { color: var(--text-muted); font-size: var(--fs-sm); margin-bottom: var(--s4); }
@media (max-width: 959px) {
  .paths__grid { grid-template-columns: 1fr; }
  .path { padding: var(--s6) 0; }
  .path + .path { border-left: 0; border-top: 1px solid var(--border); }
}

/* Icônes de ligne (style illustré de l'inspiration, aux couleurs de marque) */
.icon-line { color: var(--ink); }
.icon-line .fill-accent { fill: var(--mist); stroke: none; }
.icon-line .fill-dot { fill: var(--slate); stroke: none; }
.section--dark .icon-line { color: var(--white); }
.section--dark .icon-line .fill-accent { fill: rgba(202,221,225,.25); }
.section--dark .icon-line .fill-dot { fill: var(--mist); }

/* --------------------------------------------------------------- Split (image + texte) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s8); align-items: center; }
.split--reverse > :first-child { order: 2; }
.split__media img { width: 100%; border-radius: var(--radius); object-fit: cover; }
@media (max-width: 959px) { .split { grid-template-columns: 1fr; gap: var(--s6); } .split--reverse > :first-child { order: 0; } }

.portrait { position: relative; aspect-ratio: 4 / 5; border-radius: var(--radius-lg); overflow: hidden;
  background: radial-gradient(120% 90% at 50% 100%, var(--mist) 0%, var(--mist-2) 55%, var(--soft) 100%); }
.portrait img { position: absolute; inset: auto 0 0 0; width: 100%; height: 96%; object-fit: cover; object-position: top center; }
.portrait__mark { position: absolute; top: 24px; left: 24px; width: 56px; height: 56px; border-radius: 16px; }
.portrait__tag { position: absolute; left: 20px; right: 20px; bottom: 20px; background: rgba(255,255,255,.94); border-radius: var(--radius);
  padding: 14px 18px; display: flex; justify-content: space-between; align-items: center; gap: 12px; backdrop-filter: blur(6px); }
.portrait__tag strong { display: block; font-size: var(--fs-base); }
.portrait__tag span { font-size: var(--fs-xs); color: var(--text-muted); letter-spacing: .08em; text-transform: uppercase; font-weight: 600; }
.portrait__tag img { position: static; height: 38px; width: auto; }

.checklist { list-style: none; display: grid; gap: var(--s3); margin: var(--s5) 0 var(--s6); }
.checklist li { display: flex; gap: .75em; align-items: flex-start; }
.checklist svg { flex: none; width: 22px; height: 22px; margin-top: 1px; color: var(--slate); }
.section--dark .checklist svg, .section--slate .checklist svg, .on-dark .checklist svg { color: var(--signal); }

/* --------------------------------------------------------------- Chiffres */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--s5); margin-top: var(--s6); }
.stat { border-top: 2px solid var(--slate); padding-top: var(--s4); }
.stat__num { font-size: clamp(1.8rem, 1.4rem + 1.4vw, 2.5rem); font-weight: 700; letter-spacing: -0.03em; font-variant-numeric: tabular-nums; line-height: 1.1; }
.stat__label { font-size: var(--fs-sm); color: var(--text-muted); }
.stat__ref { font-size: .55em; vertical-align: super; margin-left: 2px; color: var(--slate); text-decoration: none; display: inline-block; min-width: 24px; text-align: center; }
.stat__ref:hover { text-decoration: underline; }
@media (max-width: 767px) { .stats { grid-template-columns: repeat(2, 1fr); } }

/* --------------------------------------------------------------- Spécialités (sombre, timeline) */
.timeline { list-style: none; display: grid; gap: 0; }
.timeline__item { display: grid; grid-template-columns: 56px 1fr; gap: var(--s5); position: relative; padding-bottom: var(--s6); }
.timeline__item:not(:last-child)::before { content: ""; position: absolute; left: 27px; top: 64px; bottom: 8px; border-left: 1.5px dashed rgba(202,221,225,.45); }
.timeline__icon { width: 56px; height: 56px; }
.timeline__item h3 { color: var(--white); margin-bottom: var(--s2); }
.timeline__item p { color: var(--text-on-dark-muted); font-size: var(--fs-sm); margin: 0; }
.section--dark .split__media img { border-radius: var(--radius); }

/* --------------------------------------------------------------- Cartes services */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s5); }
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s6);
  display: flex; flex-direction: column; transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease); position: relative; }
.card:hover { border-color: var(--slate); }
.card__icon { width: 52px; height: 52px; margin-bottom: var(--s5); }
.card h3 { margin-bottom: var(--s3); }
.card p { color: var(--text-muted); font-size: var(--fs-sm); flex: 1; }
.card .link-arrow { margin-top: var(--s2); }
.card--link .link-arrow::after { content: ""; position: absolute; inset: 0; border-radius: inherit; }
@media (max-width: 1023px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 639px) { .cards { grid-template-columns: 1fr; } }

/* Ressources (3 colonnes centrées) */
.resources { display: grid; grid-template-columns: repeat(3, 1fr); text-align: center; }
.resource { padding: var(--s5) var(--s6); display: flex; flex-direction: column; align-items: center; }
.resource + .resource { border-left: 1px solid var(--border); }
.resource .card__icon { width: 60px; height: 60px; }
.resource p { color: var(--text-muted); font-size: var(--fs-sm); max-width: 32ch; }
@media (max-width: 859px) { .resources { grid-template-columns: 1fr; } .resource + .resource { border-left: 0; border-top: 1px solid var(--border); padding-top: var(--s6); } .resource { padding-inline: 0; } }

/* --------------------------------------------------------------- Bande photo CTA */
.cta-band { position: relative; isolation: isolate; color: var(--white); text-align: center; overflow: hidden; }
.cta-band__media { position: absolute; inset: 0; z-index: -2; }
.cta-band__media img { width: 100%; height: 100%; object-fit: cover; object-position: center 12%; }
.cta-band::after { content: ""; position: absolute; inset: 0; z-index: -1; background: rgba(17,17,20,.62); }
.cta-band__inner { padding-block: var(--s10); }
.cta-band h2 { margin-bottom: var(--s4); }
.cta-band p { color: #E3EAEC; max-width: 56ch; margin: 0 auto var(--s6); font-size: var(--fs-md); }
.cta-band .btn-row { justify-content: center; }
@media (max-width: 767px) { .cta-band__inner { padding-block: var(--s8); } }

/* CTA bas de page (gris) */
.cta-strip { background: var(--mist-2); }
.cta-strip__inner { display: flex; align-items: center; gap: var(--s6); padding-block: var(--s8); }
.cta-strip__icon { width: 88px; height: 88px; flex: none; }
.cta-strip h2 { font-size: var(--fs-xl); margin: 0; max-width: 18ch; flex: 1 1 auto; min-width: 0; }
.cta-strip .btn-row { margin-left: auto; flex: none; }
@media (max-width: 1099px) { .cta-strip__inner { flex-direction: column; align-items: flex-start; } .cta-strip .btn-row { margin-left: 0; flex-wrap: nowrap; } }
@media (max-width: 560px) { .cta-strip .btn-row { flex-wrap: wrap; width: 100%; } }

/* --------------------------------------------------------------- FAQ (accordéon) */
.faq-layout { display: grid; grid-template-columns: 5fr 7fr; gap: var(--s8); align-items: start; }
.faq-layout__intro { position: sticky; top: calc(var(--header-h) + 32px); }
.faq-layout__intro .card__icon { width: 72px; height: 72px; }
@media (max-width: 959px) { .faq-layout { grid-template-columns: 1fr; gap: var(--s6); } .faq-layout__intro { position: static; } }
.accordion { border-top: 1px solid #C9D3D6; }
.accordion details { border-bottom: 1px solid #C9D3D6; }
.accordion summary { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: var(--s4);
  padding: var(--s5) 0; cursor: pointer; font-size: var(--fs-md); font-weight: 500; line-height: 1.4; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary:hover { color: var(--slate); }
.accordion summary svg { flex: none; width: 20px; height: 20px; transition: transform var(--dur) var(--ease); }
.accordion details[open] summary svg { transform: rotate(180deg); }
.accordion__body { padding: 0 var(--s6) var(--s5) 0; color: var(--text-muted); }
.accordion__body p:last-child { margin-bottom: 0; }
.faq-group + .faq-group { margin-top: var(--s7); }
.faq-group h2 { font-size: var(--fs-lg); font-weight: 600; margin-bottom: var(--s4); }

/* --------------------------------------------------------------- Témoignages */
.testimonials { display: grid; grid-template-columns: 5fr 7fr; gap: var(--s8); align-items: center; }
.collage { position: relative; aspect-ratio: 1 / 1; max-width: 460px; }
.collage img { position: absolute; object-fit: cover; border: 6px solid var(--white); border-radius: 4px; }
.collage__a { left: 14%; top: 0; width: 34%; height: 36%; }
.collage__b { right: 0; top: 9%; width: 56%; height: 82%; }
.collage__c { left: 4%; bottom: 0; width: 42%; height: 48%; }
.collage__q { position: absolute; width: 64px; height: 64px; color: var(--slate); }
.collage__q--open { left: -2%; top: 38%; }
.collage__q--close { right: 4%; bottom: -6%; }
.quote-slider { position: relative; }
.quote-slider__head { display: flex; justify-content: space-between; align-items: end; gap: var(--s4); margin-bottom: var(--s5); }
.quote-slider__head h2 { margin: 0; }
.quote-slider__controls { display: flex; gap: var(--s2); }
.icon-btn { width: 48px; height: 48px; border-radius: 50%; border: 1.5px solid #B8C6CA; background: transparent; display: inline-grid; place-items: center;
  transition: border-color var(--dur), background-color var(--dur); }
.icon-btn:hover { border-color: var(--ink); background: var(--white); }
.icon-btn svg { width: 20px; height: 20px; }
.quote { margin: 0; }
.quote[hidden] { display: none; }
.quote__stars { display: flex; gap: 2px; color: #E7B400; margin-bottom: var(--s4); }
.quote__stars svg { width: 20px; height: 20px; }
/* Mention sous les avis traduits (site anglais) */
.reviews-note { margin: var(--s3) 0 0; font-size: var(--fs-xs); font-style: italic; color: var(--text-muted); }
.quote blockquote { margin: 0 0 var(--s5); font-size: clamp(1.1rem, 1rem + .5vw, 1.35rem); line-height: 1.55; font-style: italic; }
.quote figcaption { display: flex; align-items: center; gap: .6em; font-weight: 600; color: var(--slate); font-size: var(--fs-sm); }
.quote figcaption .g { width: 18px; height: 18px; }
.quote-slider__dots { display: flex; gap: 8px; margin-top: var(--s6); }
.quote-slider__dots button { width: 28px; height: 28px; border: 0; background: transparent; padding: 0; display: grid; place-items: center; }
.quote-slider__dots button::before { content: ""; width: 10px; height: 10px; border-radius: 50%; background: #B8C6CA; transition: background-color var(--dur), transform var(--dur); }
.quote-slider__dots button[aria-current="true"]::before { background: var(--slate); transform: scale(1.2); }
@media (max-width: 959px) { .testimonials { grid-template-columns: 1fr; gap: var(--s7); } .collage { max-width: 380px; margin-inline: auto; width: 100%; } }

.reviews-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--s5); }
.review-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s6); }
.review-card blockquote { margin: 0 0 var(--s4); font-style: italic; }
@media (max-width: 767px) { .reviews-grid { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------- Services (page) */
.service-nav { position: sticky; top: var(--header-h); z-index: 50; background: var(--white); border-bottom: 1px solid var(--border); }
.service-nav__list { position: relative; list-style: none; display: flex; gap: 4px; overflow-x: auto; scrollbar-width: none; padding-block: 10px; }
.service-nav__list::-webkit-scrollbar { display: none; }
.service-nav a { display: inline-flex; align-items: center; min-height: 40px; padding: 0 16px; border-radius: var(--pill); white-space: nowrap;
  font-size: var(--fs-sm); font-weight: 500; color: var(--ink); text-decoration: none; border: 1px solid var(--border); }
.service-nav a:hover, .service-nav a.is-active { border-color: var(--slate); background: var(--slate); color: var(--white); }
.service { padding-block: var(--s9); scroll-margin-top: calc(var(--header-h) + 72px); }
.service:nth-of-type(even) { background: var(--white); }
.service__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: var(--s8); align-items: start; }
.service__num { font-size: var(--fs-xs); font-weight: 600; letter-spacing: .14em; color: var(--slate); text-transform: uppercase; display: flex; align-items: center; gap: 12px; margin-bottom: var(--s4); }
.service__num .card__icon { width: 44px; height: 44px; margin: 0; }
.service h2 { font-size: var(--fs-xl); }
.service__aside { background: var(--soft); border-radius: var(--radius); padding: var(--s6); }
.service:nth-of-type(odd) .service__aside { background: var(--white); border: 1px solid var(--border); }
.service__aside h3 { font-size: var(--fs-base); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); }
.service__aside .checklist { margin: var(--s4) 0 var(--s5); font-size: var(--fs-sm); }
.service__aside .btn { width: 100%; }
.service__aside .btn + .btn { margin-top: var(--s3); }
@media (max-width: 959px) { .service__grid { grid-template-columns: 1fr; gap: var(--s6); } .service { padding-block: var(--s8); } }

/* Pages de service individuelles */
.svc-layout { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: var(--s8); align-items: start; }
.svc-num { margin-bottom: var(--s4); }
.svc-num .card__icon { display: block; width: 56px; height: 56px; margin: 0; }
.svc-main .lead { font-size: var(--fs-md); }
.svc-media { margin: var(--s6) 0; }
.svc-media img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; border-radius: var(--radius); }
.svc-section { padding-top: var(--s6); margin-top: var(--s6); border-top: 1px solid var(--border); scroll-margin-top: calc(var(--header-h) + 24px); }
.svc-section h2 { font-size: var(--fs-xl); }
.svc-section p { color: var(--text-muted); }
.svc-h3 { font-size: var(--fs-lg); margin: var(--s6) 0 var(--s3); }
.svc-list { padding-left: 1.25em; margin: 0 0 var(--s4); color: var(--text-muted); }
.svc-list li { margin-bottom: var(--s2); padding-left: 4px; }
.svc-list li::marker { color: var(--slate); }
.svc-list strong, .svc-section p strong { color: var(--ink); }
.svc-steps { list-style: none; counter-reset: svcstep; padding: 0; margin: 0 0 var(--s5); display: grid; gap: var(--s3); }
.svc-steps li { counter-increment: svcstep; position: relative; padding: var(--s4) var(--s4) var(--s4) 64px; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); color: var(--text-muted); }
.svc-steps li::before { content: counter(svcstep); position: absolute; left: var(--s4); top: var(--s4); width: 32px; height: 32px; border-radius: 50%; background: var(--slate); color: var(--white); display: grid; place-items: center; font-weight: 700; font-size: var(--fs-sm); }
.svc-steps strong { color: var(--ink); }
.svc-tip { display: flex; gap: var(--s3); background: #FFFBD6; border: 1px solid #EFE08A; border-radius: var(--radius); padding: var(--s4) var(--s5); margin: var(--s5) 0; color: #3B3712; }
.svc-tip > svg { flex: none; width: 22px; height: 22px; margin-top: 2px; }
.svc-tip p { color: inherit !important; margin: 0; }
.svc-tip .svc-tip__title { font-weight: 700; margin-bottom: var(--s1); }
.svc-note { background: var(--mist-2); border-left: 3px solid var(--slate); border-radius: var(--radius-sm); padding: var(--s3) var(--s4); color: var(--slate-800) !important; }
.svc-cta__free { display: flex; gap: .5em; align-items: flex-start; margin-top: var(--s3) !important; font-weight: 500; color: var(--white) !important; }
.svc-cta__free svg { flex: none; width: 20px; height: 20px; color: var(--signal); margin-top: 2px; }
.svc-aside { position: sticky; top: calc(var(--header-h) + 24px); background: var(--white); border: 1px solid var(--border); }
.svc-aside .btn { width: 100%; }
.svc-aside .btn + .btn { margin-top: var(--s3); }
.svc-aside__title { font-size: var(--fs-base); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-bottom: 0; }
.toc { background: var(--white); border: 1px solid var(--border); border-left: 3px solid var(--slate); border-radius: var(--radius-sm); padding: var(--s4) var(--s5); margin-top: var(--s5); }
.toc__title { font-size: var(--fs-xs); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--slate); margin-bottom: var(--s2); }
.toc ol { margin: 0; padding-left: 1.2em; display: grid; gap: 4px; }
.toc a { color: var(--ink); text-decoration: none; font-weight: 500; display: inline-block; padding-block: 4px; }
.toc a:hover { color: var(--slate); text-decoration: underline; }
.svc-cta { background: var(--slate); color: var(--white); }
.svc-cta__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--s6); padding-block: var(--s8); }
.svc-cta h2 { font-size: var(--fs-xl); margin-bottom: var(--s2); }
.svc-cta p { color: #DCE6E9; margin: 0; max-width: 56ch; }
@media (max-width: 959px) {
  .svc-layout { grid-template-columns: 1fr; gap: var(--s6); }
  .svc-aside { position: static; }
  .svc-cta__inner { flex-direction: column; align-items: flex-start; }
}

/* Étapes (processus) */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--s5); counter-reset: step; }
.step { counter-increment: step; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s6); }
.step::before { content: counter(step, decimal-leading-zero); display: block; font-size: var(--fs-xs); font-weight: 700; letter-spacing: .14em; color: var(--slate); margin-bottom: var(--s4); font-variant-numeric: tabular-nums; }
.step h3 { font-size: var(--fs-md); }
.step p { font-size: var(--fs-sm); color: var(--text-muted); margin: 0; }
.steps__after { margin: var(--s7) auto 0; max-width: 40ch; text-align: center; font-size: var(--fs-lg); font-weight: 700; letter-spacing: -0.015em; line-height: 1.3; color: var(--ink); text-wrap: balance; }
@media (max-width: 1023px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 599px) { .steps { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------- Calculatrices */
.calc-tabs { display: flex; gap: 6px; padding: 6px; background: var(--white); border: 1px solid var(--border); border-radius: var(--pill); width: fit-content; max-width: 100%; overflow-x: auto; margin-bottom: var(--s6); }
.calc-tabs button { min-height: 44px; padding: 0 20px; border-radius: var(--pill); border: 0; background: transparent; font-size: var(--fs-sm); font-weight: 600; white-space: nowrap; color: var(--ink); }
.calc-tabs button:hover { background: var(--soft); }
.calc-tabs button[aria-selected="true"] { background: var(--slate); color: var(--white); }
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; overflow: clip; /* clip : coins arrondis sans bloquer position: sticky */ }
.calc[hidden] { display: none; }
.calc__form { padding: var(--s7); }
.calc__form h2 { font-size: var(--fs-xl); }
.calc__result { padding: var(--s7); background: var(--slate); color: var(--white); display: flex; flex-direction: column; }
.calc__result .eyebrow { color: var(--mist); }
.calc__big { font-size: clamp(2.2rem, 1.6rem + 2.4vw, 3.4rem); font-weight: 700; letter-spacing: -0.03em; line-height: 1.05; font-variant-numeric: tabular-nums; margin: var(--s2) 0 var(--s5); }
.calc__rows { list-style: none; border-top: 1px solid rgba(202,221,225,.3); margin-bottom: var(--s5); }
.calc__rows li { display: flex; justify-content: space-between; gap: var(--s4); padding: var(--s3) 0; border-bottom: 1px solid rgba(202,221,225,.3); font-size: var(--fs-sm); }
.calc__rows li span:last-child { font-weight: 600; font-variant-numeric: tabular-nums; text-align: right; }
.calc__note { font-size: var(--fs-xs); color: var(--text-on-dark-muted); margin-bottom: var(--s5); }
/* Résultats + bouton d'action toujours proches : le bloc reste visible pendant que le client remplit le formulaire */
.calc__sticky { display: flex; flex-direction: column; }
.calc__result .btn-row { margin-top: var(--s2); }
@media (min-width: 900px) {
  .calc__sticky { position: sticky; top: calc(var(--header-h) + 24px); }
}
.calc__bar { display: flex; height: 14px; border-radius: var(--pill); overflow: hidden; background: rgba(255,255,255,.15); margin: var(--s2) 0 var(--s3); }
.calc__bar span { display: block; height: 100%; transition: width 300ms var(--ease); }
.calc__bar .b-balance { background: var(--mist); }
.calc__bar .b-available { background: var(--signal); }
.calc__bar .b-rest { background: rgba(255,243,109,.4); }
.calc__legend li[hidden] { display: none; }
.calc__legend { display: flex; flex-wrap: wrap; gap: var(--s2) var(--s5); font-size: var(--fs-xs); color: var(--text-on-dark-muted); margin-bottom: var(--s5); list-style: none; }
.calc__legend li { display: inline-flex; align-items: center; gap: .5em; }
.calc__legend i { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
/* Interrupteur à deux libellés (Montant maximal / Comparer le prêt) */
.toggle { display: inline-flex; align-items: center; gap: var(--s3); margin-bottom: var(--s5); padding: 6px 14px; min-height: 44px; border-radius: var(--pill); background: var(--soft); border: 1px solid var(--border); cursor: pointer; user-select: none; font-size: var(--fs-sm); font-weight: 600; }
.toggle__input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.toggle__track { position: relative; flex: none; width: 46px; height: 26px; border-radius: var(--pill); background: #B8C6CA; transition: background-color var(--dur) var(--ease); }
.toggle__thumb { position: absolute; top: 3px; left: 3px; width: 20px; height: 20px; border-radius: 50%; background: var(--white); box-shadow: 0 1px 3px rgba(17,17,20,.25); transition: transform var(--dur) var(--ease); }
.toggle__input:checked + .toggle__track { background: var(--slate); }
.toggle__input:checked + .toggle__track .toggle__thumb { transform: translateX(20px); }
.toggle__input:focus-visible + .toggle__track { outline: 3px solid var(--focus); outline-offset: 3px; }
.toggle__label { color: var(--text-muted); transition: color var(--dur); }
.toggle__label[data-side="off"] { color: var(--ink); }
.toggle:has(.toggle__input:checked) .toggle__label[data-side="off"] { color: var(--text-muted); }
.toggle:has(.toggle__input:checked) .toggle__label[data-side="on"] { color: var(--ink); }
.compare-fields { border-left: 3px solid var(--mist); padding-left: var(--s4); margin-bottom: var(--s5); }
.compare-fields[hidden] { display: none; }
.calc__rows li[hidden] { display: none; }
.calc__rows li.calc__row--highlight { color: var(--signal); font-weight: 600; }
.calc__rows li.calc__row--highlight span:last-child { font-size: var(--fs-md); }

/* Programmes d'aide (taxe de bienvenue) */
.aid[hidden] { display: none; }
.aid-program { border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s5); margin-bottom: var(--s4); background: var(--white); font-size: var(--fs-sm); }
.aid-program__head { display: flex; justify-content: space-between; align-items: flex-start; gap: var(--s3); }
.aid-program h3 { font-size: var(--fs-base); margin: 0 0 var(--s1); line-height: 1.35; }
.aid-program__meta { font-size: var(--fs-xs); color: var(--text-muted); margin-bottom: var(--s3); }
.aid-program__amount { background: var(--mist-2); border-radius: var(--radius-sm); padding: var(--s2) var(--s3); margin-bottom: var(--s3); }
.aid-program__amount strong { font-variant-numeric: tabular-nums; color: var(--slate); }
.aid-program__list { padding-left: 1.1em; margin-bottom: var(--s3); color: var(--text-muted); }
.aid-program__list li { margin-bottom: var(--s2); }
.aid-program--closed { background: var(--soft); }
.aid-program--closed p { color: var(--text-muted); }
.aid-program[hidden] { display: none; }
.aid-badge { flex: none; font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 3px 10px; border-radius: var(--pill); background: #E4E7E9; color: var(--text-muted); }
.aid-badge--ok { background: #DDF1E6; color: var(--success); }
.calc__rows--aid[hidden] { display: none; }

/* Note sous « Renouvellement dans moins de 4 mois? » */
.renewal-note { margin-top: var(--s2); padding: var(--s3) var(--s4); border-radius: var(--radius-sm); background: var(--mist-2); border-left: 3px solid var(--slate); font-size: var(--fs-sm); color: var(--slate-800); line-height: 1.55; }
.renewal-note p { margin: 0; }
.renewal-note p + p, .renewal-note div p + p { margin-top: var(--s2); }
.renewal-note a { color: var(--slate); font-weight: 600; }
.renewal-note.is-warning { background: #FFFBD6; border-left-color: #C9B200; color: #3B3712; }
.renewal-note.is-warning a { color: inherit; }

/* Curseur RPV */
.range-field__head { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s3); }
.range-field__value { font-size: var(--fs-sm); font-weight: 600; color: var(--slate); font-variant-numeric: tabular-nums; text-align: right; }
.range { --fill: 100%; -webkit-appearance: none; appearance: none; width: 100%; height: 44px; background: transparent; margin: 0; cursor: pointer; touch-action: pan-y; }
.range::-webkit-slider-runnable-track { height: 8px; border-radius: var(--pill); background: linear-gradient(90deg, var(--slate) 0 var(--fill), var(--mist-2) var(--fill) 100%); }
.range::-moz-range-track { height: 8px; border-radius: var(--pill); background: var(--mist-2); }
.range::-moz-range-progress { height: 8px; border-radius: var(--pill); background: var(--slate); }
.range::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; margin-top: -9px; border-radius: 50%; background: var(--white); border: 3px solid var(--slate); box-shadow: 0 2px 6px rgba(17,17,20,.2); transition: transform var(--dur) var(--ease); }
.range::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--white); border: 3px solid var(--slate); box-shadow: 0 2px 6px rgba(17,17,20,.2); }
.range:active::-webkit-slider-thumb { transform: scale(1.1); }
.range:focus-visible { outline: none; }
.range:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(47,76,85,.3); }
.range:focus-visible::-moz-range-thumb { box-shadow: 0 0 0 4px rgba(47,76,85,.3); }
.range-field__scale { display: flex; justify-content: space-between; margin-top: -6px; font-size: var(--fs-xs); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--text-muted); }

.disclaimer { display: flex; gap: var(--s3); background: #FFFBD6; border: 1px solid #EFE08A; color: #3B3712; border-radius: var(--radius-sm); padding: var(--s4); font-size: var(--fs-xs); line-height: 1.55; margin-top: var(--s5); }
.disclaimer svg { flex: none; width: 18px; height: 18px; margin-top: 1px; }
.disclaimer a { color: inherit; font-weight: 600; }
@media (max-width: 899px) { .calc { grid-template-columns: minmax(0, 1fr); } .calc__form, .calc__result { padding: var(--s6) var(--s5); } }

/* --------------------------------------------------------------- Formulaires */
.field { display: grid; gap: 6px; margin-bottom: var(--s5); }
.field > label, .field legend, .field__label { font-size: var(--fs-sm); font-weight: 600; color: var(--ink); padding: 0; }
.field .req { color: var(--error); margin-left: 2px; }
.field .opt { font-weight: 400; color: var(--text-muted); font-size: var(--fs-xs); }
.field__help { font-size: var(--fs-xs); color: var(--text-muted); }
.field__error { font-size: var(--fs-xs); color: var(--error); font-weight: 500; display: flex; gap: .4em; align-items: center; }
.field__error:empty { display: none; }
.input, .select, .textarea { width: 100%; min-height: 52px; padding: 12px 16px; border: 1.5px solid #C3CFD3; border-radius: 12px; background: var(--white);
  font-size: 1rem; transition: border-color var(--dur), box-shadow var(--dur); }
.textarea { min-height: 120px; resize: vertical; line-height: 1.5; }
.select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23111114' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 44px; }
.input:hover, .select:hover, .textarea:hover { border-color: #93A6AC; }
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--slate); box-shadow: 0 0 0 4px rgba(47,76,85,.18); }
.input[aria-invalid="true"], .select[aria-invalid="true"], .textarea[aria-invalid="true"] { border-color: var(--error); }
.input-affix { position: relative; }
.input-affix .input { padding-right: 44px; }
.input--computed, .input--computed:hover, .input--computed:focus { background: var(--soft); border-color: var(--border); box-shadow: none; color: var(--ink); font-weight: 600; cursor: default; }
.input-affix__unit { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--text-muted); font-weight: 500; pointer-events: none; }
.input--money { font-variant-numeric: tabular-nums; }
fieldset.field { border: 0; margin: 0 0 var(--s5); padding: 0; min-width: 0; }
.choices { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: var(--s2); }
.choices--2 { grid-template-columns: repeat(2, 1fr); }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice span { display: flex; align-items: center; gap: .6em; min-height: 52px; padding: 12px 16px; border: 1.5px solid #C3CFD3; border-radius: 12px; background: var(--white);
  font-size: var(--fs-sm); font-weight: 500; line-height: 1.3; transition: border-color var(--dur), background-color var(--dur); }
.choice span::before { content: ""; flex: none; width: 18px; height: 18px; border-radius: 50%; border: 1.5px solid #93A6AC; background: var(--white); transition: all var(--dur); }
.choice input[type="checkbox"] + span::before { border-radius: 5px; }
.choice:hover span { border-color: #93A6AC; }
.choice input:checked + span { border-color: var(--slate); background: var(--mist-2); }
.choice input:checked + span::before { border-color: var(--slate); background: var(--slate); box-shadow: inset 0 0 0 3px var(--white); }
.choice input[type="checkbox"]:checked + span::before { box-shadow: none; background: var(--slate) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center/13px no-repeat; }
.choice input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 var(--s4); }
@media (max-width: 599px) { .grid-2 { grid-template-columns: 1fr; } .choices--2 { grid-template-columns: 1fr; } }
/* Champs côte à côte : les cases restent alignées même si un libellé passe sur 2 lignes.
   Chaque champ partage les rangées de la grille (libellé / case / aide / erreur); le libellé court se colle au bas de sa rangée. */
@supports (grid-template-rows: subgrid) {
  @media (min-width: 600px) {
    .grid-2 > .field:not([hidden]) { grid-row: span 4; grid-template-rows: subgrid; row-gap: 6px; align-content: start; }
    .grid-2 > .field > label { align-self: end; }
  }
}
/* Repli (navigateurs plus anciens) : champs alignés par le bas */
@supports not (grid-template-rows: subgrid) {
  @media (min-width: 600px) { .grid-2 { align-items: end; } }
}
.consent { display: flex; gap: .75em; align-items: flex-start; font-size: var(--fs-xs); color: var(--text-muted); line-height: 1.5; }
.consent input { width: 20px; height: 20px; margin: 1px 0 0; flex: none; accent-color: var(--slate); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-shell { display: grid; grid-template-columns: 7fr 5fr; gap: var(--s7); align-items: start; }
.form-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--s7); }
@media (max-width: 599px) { .form-card { padding: var(--s6) var(--s5); border-radius: var(--radius); } }
.form-aside { position: sticky; top: calc(var(--header-h) + 32px); display: grid; gap: var(--s5); }
.form-aside__card { background: var(--slate); color: var(--white); border-radius: var(--radius-lg); padding: var(--s6); }
.form-aside__card h2 { font-size: var(--fs-lg); }
.form-aside__card .checklist { font-size: var(--fs-sm); margin-bottom: 0; }
.form-aside__photo { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/3; }
.form-aside__photo img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 959px) { .form-shell { grid-template-columns: 1fr; } .form-aside { position: static; } .form-aside__photo { display: none; } }

.progress { margin-bottom: var(--s6); }
.progress__meta { display: flex; justify-content: space-between; font-size: var(--fs-xs); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--slate); margin-bottom: var(--s2); }
.progress__track { height: 6px; border-radius: var(--pill); background: var(--mist-2); overflow: hidden; }
.progress__bar { height: 100%; background: var(--slate); border-radius: inherit; transition: width 300ms var(--ease); }
.form-step[hidden] { display: none; }
.form-step h2 { font-size: var(--fs-xl); margin-bottom: var(--s2); }
.form-step > p.muted { margin-bottom: var(--s6); }
.form-nav { display: flex; justify-content: space-between; gap: var(--s3); margin-top: var(--s6); flex-wrap: wrap-reverse; }
.form-nav .btn { min-width: 150px; }
.form-nav__spacer { flex: 1; }
.code-input { font-size: 1.75rem; letter-spacing: .5em; text-align: center; font-weight: 700; font-variant-numeric: tabular-nums; max-width: 320px; padding-left: calc(16px + .5em); }
.alert { border-radius: 12px; padding: var(--s4); font-size: var(--fs-sm); margin-bottom: var(--s5); display: flex; gap: .6em; }
.alert svg { flex: none; width: 20px; height: 20px; margin-top: 1px; }
.alert--error { background: #FDECEA; color: #7A1A12; border: 1px solid #F5C2BC; }
.alert--info { background: var(--mist-2); color: var(--slate-800); border: 1px solid var(--mist); }
.alert[hidden] { display: none; }
.success { text-align: center; padding: var(--s6) 0; }
.success__icon { width: 72px; height: 72px; margin: 0 auto var(--s5); border-radius: 50%; background: var(--mist-2); color: var(--slate); display: grid; place-items: center; }
.success__icon svg { width: 36px; height: 36px; }
.linkish { background: none; border: 0; padding: 0; color: var(--slate); text-decoration: underline; text-underline-offset: 3px; font-weight: 600; min-height: 44px; }
.linkish[disabled] { color: var(--text-muted); text-decoration: none; cursor: default; }
.spinner { width: 18px; height: 18px; border-radius: 50%; border: 2px solid currentColor; border-right-color: transparent; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* Choix de formulaire (page Demande) */
.form-picks { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s4); margin-bottom: var(--s7); }
.form-pick { display: flex; flex-direction: column; gap: var(--s2); padding: var(--s5); border-radius: var(--radius); background: var(--white); border: 1px solid var(--border); text-decoration: none; color: var(--ink); transition: border-color var(--dur); }
.form-pick:hover { border-color: var(--slate); color: var(--ink); }
.form-pick strong { font-size: var(--fs-md); }
.form-pick span { font-size: var(--fs-sm); color: var(--text-muted); }
@media (max-width: 859px) { .form-picks { grid-template-columns: 1fr; } }

/* --------------------------------------------------------------- Contact */
.contact-list { list-style: none; display: grid; gap: var(--s5); }
.contact-list li { display: flex; gap: var(--s4); align-items: flex-start; }
.contact-list .ci { flex: none; width: 48px; height: 48px; border-radius: 14px; background: var(--mist-2); color: var(--slate); display: grid; place-items: center; }
.contact-list .ci svg { width: 22px; height: 22px; }
.contact-list strong { display: block; font-size: var(--fs-xs); letter-spacing: .12em; text-transform: uppercase; color: var(--text-muted); font-weight: 600; }
.contact-list a, .contact-list span.v { font-size: var(--fs-md); font-weight: 500; color: var(--ink); text-decoration: none; }
.contact-list a:hover { color: var(--slate); text-decoration: underline; }

/* --------------------------------------------------------------- Prose (légal) */
.prose { max-width: 72ch; }
.prose h2 { font-size: var(--fs-lg); margin-top: var(--s7); }
.prose ul { padding-left: 1.2em; margin-bottom: var(--s4); }
.prose li { margin-bottom: var(--s2); }

/* --------------------------------------------------------------- Pied de page */
.site-footer { background: var(--ink); color: var(--text-on-dark-muted); font-size: var(--fs-sm); }
.site-footer a { color: var(--text-on-dark); text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: var(--s7); padding-block: var(--s8) var(--s7); }
.footer__brand img.cabinet { height: 46px; width: auto; margin-bottom: var(--s4); }
.footer__brand img.team { height: 28px; width: auto; filter: brightness(0) invert(1); margin-bottom: var(--s5); }
.footer__phone { display: inline-flex; align-items: center; gap: .5em; font-size: var(--fs-lg); font-weight: 600; color: var(--white) !important; }
.footer__phone svg { width: 20px; height: 20px; color: var(--mist); }
.footer__phone-note { display: block; font-size: var(--fs-xs); letter-spacing: .12em; text-transform: uppercase; color: var(--signal); font-weight: 600; margin: 4px 0 var(--s5); }
.footer__meta { list-style: none; display: grid; gap: var(--s3); }
.footer__meta li { display: flex; gap: .7em; align-items: flex-start; }
.footer__meta svg { flex: none; width: 18px; height: 18px; color: var(--mist); margin-top: 3px; }
.footer__col h2 { font-size: var(--fs-md); color: var(--white); font-weight: 600; margin-bottom: var(--s4); letter-spacing: -0.01em; }
.footer__col ul { list-style: none; display: grid; gap: var(--s2); }
.footer__col ul a { display: inline-block; padding-block: 4px; color: var(--text-on-dark-muted); }
.footer__col ul a:hover { color: var(--white); }
.footer__bottom { border-top: 1px solid rgba(202,221,225,.18); padding-block: var(--s5); display: flex; flex-wrap: wrap; gap: var(--s4); align-items: center; justify-content: space-between; font-size: var(--fs-xs); }
.footer__social { display: flex; gap: var(--s2); }
.footer__social a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.08); }
.footer__social a:hover { background: rgba(255,255,255,.18); }
.footer__social svg { width: 18px; height: 18px; }
.footer__legal { max-width: 80ch; font-size: var(--fs-xs); color: #8E9DA2; padding-bottom: var(--s6); line-height: 1.6; }
@media (max-width: 1023px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 599px) { .footer__grid { grid-template-columns: 1fr; gap: var(--s6); } }

/* Page isolée (Hypothèque inversée) */
.footer-iso { display: grid; grid-template-columns: auto 1fr; gap: var(--s6); align-items: center; padding-block: var(--s7) var(--s5); }
.footer-iso__brand { display: flex; align-items: center; gap: var(--s5); }
.footer-iso__brand .cabinet { height: 40px; width: auto; }
.footer-iso__brand .team { height: 24px; width: auto; filter: brightness(0) invert(1); }
.footer-iso__exit { font-size: var(--fs-xs); color: var(--text-on-dark-muted) !important; text-decoration: underline !important; text-underline-offset: 3px; }
.footer-iso__exit:hover { color: var(--white) !important; }
@media (max-width: 899px) { .footer-iso { grid-template-columns: 1fr; gap: var(--s5); } }
.site-header--isolated .nav__link { font-weight: 600; }
/* Page isolée : seulement 2 liens, donc menu affiché en entier dès la tablette (pas de bouton ☰) */
@media (min-width: 768px) and (max-width: 1359px) {
  .site-header--isolated .menu-toggle { display: none; }
  .site-header--isolated .nav { position: static; margin-left: auto; opacity: 1; visibility: visible; transform: none; background: transparent;
    border: 0; box-shadow: none; max-height: none; overflow: visible; }
  .site-header--isolated .nav__list { flex-direction: row; align-items: center; padding: 0; gap: 4px; }
  .site-header--isolated .nav__link { min-height: 44px; font-size: var(--fs-sm); padding: 0 12px; border-radius: var(--pill); }
  .site-header--isolated .header-actions { margin-left: 0; }
}
.nav__link--reverse { color: var(--slate); font-weight: 600; }

/* Hypothèque inversée : texte plus grand pour une clientèle de 55 ans et plus (texte courant 18 px, minimum 15 px).
   Échelle propre au contenu de cette page (pas l'en-tête ni le pied de page du site); les titres (fs-xl et plus) ne changent pas. */
body.page-reverse main, body.page-funnel main {
  --fs-xs: .9375rem; --fs-sm: 1.0625rem; --fs-base: 1.125rem; --fs-md: 1.25rem; --fs-lg: 1.5rem;
  font-size: var(--fs-base);
}
.page-reverse main [id] { scroll-margin-top: calc(var(--header-h) + 16px); }

/* Hypothèque inversée : même mise en page que les autres services (contenu + « En bref »).
   Lignes de texte limitées à environ 70 caractères pour la lisibilité. */
.rm-main > p, .rm-main .svc-section > p, .rm-main .svc-section > h2, .rm-main .svc-section > .svc-list,
.rm-main .svc-note, .rm-main .rm-reqs, .rm-main .rm-faq-group, .rm-main .accordion__body p { max-width: 60ch; }

/* La barre mobile de la page isolée ne cache jamais le bas du pied de page */
.site-footer--isolated { padding-bottom: 96px; }

/* Fenêtre du formulaire */
.rm-dialog { width: min(640px, calc(100vw - 32px)); max-height: calc(100dvh - 32px); padding: 0; border: 0; border-radius: var(--radius-lg);
  background: var(--soft); color: var(--ink); box-shadow: 0 30px 80px -20px rgba(17,17,20,.5); overflow: auto; }
.rm-dialog::backdrop { background: rgba(17,17,20,.55); }
.rm-dialog__head { position: sticky; top: 0; z-index: 2; display: flex; align-items: center; justify-content: space-between; gap: var(--s4);
  padding: var(--s4) var(--s5); background: var(--slate); color: var(--white); }
.rm-dialog__title { margin: 0; font-weight: 700; font-size: var(--fs-md); }
.rm-dialog__close { flex: none; width: 44px; height: 44px; display: grid; place-items: center; border: 0; border-radius: 50%; background: rgba(255,255,255,.12); color: var(--white); cursor: pointer; }
.rm-dialog__close:hover { background: rgba(255,255,255,.22); }
.rm-dialog__close svg { width: 20px; height: 20px; }
.rm-dialog__body { padding: var(--s4); }
.rm-dialog__body .form-card { padding: var(--s5); }
@media (max-width: 599px) { .rm-dialog { width: 100vw; max-width: 100vw; max-height: 100dvh; height: 100dvh; border-radius: 0; margin: 0; } }
html.has-dialog { overflow: hidden; }

/* Les ancres ne passent pas sous l'en-tête collant */
.is-isolated [id] { scroll-margin-top: calc(var(--header-h) + 16px); }

/* Avantages (Hypothèque inversée) */
.rm-benefits { list-style: none; padding: 0; margin: var(--s4) 0 var(--s5); display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s3); }
.rm-benefit { display: flex; gap: var(--s3); align-items: flex-start; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: var(--s4); }
.rm-benefit > svg { flex: none; width: 22px; height: 22px; color: var(--slate); margin-top: 1px; }
.rm-benefit strong { display: block; color: var(--ink); font-size: var(--fs-sm); margin-bottom: 2px; }
.rm-benefit span { display: block; color: var(--text-muted); font-size: var(--fs-sm); line-height: 1.5; }
@media (max-width: 599px) { .rm-benefits { grid-template-columns: 1fr; } }
.rm-uses .rm-benefit > svg { width: 18px; height: 18px; margin-top: 2px; }

/* Conditions d'admissibilité (liste critère / exigence) */
.rm-reqs { margin: var(--s4) 0 var(--s5); border-top: 1px solid var(--border); }
.rm-req { display: grid; grid-template-columns: minmax(140px, 32%) 1fr; gap: var(--s4); padding: var(--s3) 0; border-bottom: 1px solid var(--border); }
.rm-req dt { font-weight: 600; color: var(--ink); font-size: var(--fs-sm); }
.rm-req dd { margin: 0; color: var(--text-muted); font-size: var(--fs-sm); line-height: 1.55; }
@media (max-width: 599px) { .rm-req { grid-template-columns: 1fr; gap: 2px; } }

.rm-faq-group + .rm-faq-group { margin-top: var(--s6); }
.rm-faq-group .svc-h3 { margin-top: var(--s5); }
.rm-faq-group .accordion summary { font-size: var(--fs-base); }

/* Types d'avances */
.rm-advances { list-style: none; padding: 0; margin: var(--s4) 0 var(--s5); display: grid; gap: var(--s3); }
.rm-advance { background: var(--white); border: 1px solid var(--border); border-left: 4px solid var(--slate); border-radius: var(--radius-sm); padding: var(--s4) var(--s5); }
.rm-advance h3 { font-size: var(--fs-md); margin-bottom: var(--s2); }
.rm-advance p { margin: 0; color: var(--text-muted); font-size: var(--fs-sm); }
.rm-advance .rm-advance__key { display: flex; gap: .5em; align-items: flex-start; margin-top: var(--s3); color: var(--slate-800); font-weight: 600; font-size: var(--fs-xs); }
.rm-advance__key svg { flex: none; width: 16px; height: 16px; margin-top: 1px; }

/* Calculatrice d'hypothèque inversée */
.rm-group { border: 0; padding: 0; margin: 0 0 var(--s5); min-width: 0; }
.rm-group + .rm-group { padding-top: var(--s5); border-top: 1px solid var(--border); }
.rm-legend { font-size: var(--fs-md); font-weight: 700; padding: 0; margin-bottom: var(--s3); color: var(--ink); }
.rm-choices-3 { grid-template-columns: repeat(3, 1fr); }
.rm-notice { background: rgba(255, 243, 109, .14); border: 1px solid rgba(255, 243, 109, .45); color: var(--white); border-radius: var(--radius-sm); padding: var(--s3) var(--s4); font-size: var(--fs-sm); line-height: 1.5; }
.rm-notice[hidden] { display: none; }
.rm-proj { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: var(--s6); align-items: start; margin-top: var(--s7); }
.rm-proj h3 { font-size: var(--fs-lg); margin-bottom: var(--s2); }
.rm-legend-list { list-style: none; display: flex; flex-wrap: wrap; gap: var(--s2) var(--s5); font-size: var(--fs-sm); color: var(--text-muted); margin: var(--s3) 0 var(--s4); }
.rm-legend-list li { display: inline-flex; align-items: center; gap: .5em; }
.rm-sw { display: inline-block; width: 14px; height: 14px; border-radius: 3px; }
.rm-sw--loan { background: var(--slate); }
.rm-sw--equity { background: var(--mist); }
.rm-sw--home { height: 3px; border-radius: 2px; background: var(--ink); }
.rm-chart { width: 100%; height: auto; }
.rm-chart__grid { stroke: var(--border); stroke-width: 1; }
.rm-chart__tick { font-size: 14px; fill: var(--text-muted); font-family: var(--font); }
.rm-chart__equity { fill: var(--mist); }
.rm-chart__loan { fill: var(--slate); }
.rm-chart__home { fill: none; stroke: var(--ink); stroke-width: 2; }
.rm-proj__table { overflow-x: auto; padding-top: var(--s7); }
.rm-table { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); font-variant-numeric: tabular-nums; min-width: 400px; }
.rm-table th, .rm-table td { padding: 10px 8px; border-bottom: 1px solid var(--border); text-align: right; white-space: nowrap; }
.rm-table thead th { white-space: normal; vertical-align: bottom; line-height: 1.3; }
.rm-table th:first-child, .rm-table tbody th { text-align: left; }
.rm-table thead th { color: var(--text-muted); font-weight: 600; font-size: var(--fs-xs); letter-spacing: .06em; text-transform: uppercase; }
.rm-table tbody th { font-weight: 600; }
.rm-fine { margin-top: var(--s7); }
.rm-fine div p { margin: 0 0 var(--s2); }
.rm-fine div p:last-child { margin: 0; }
@media (max-width: 899px) { .rm-proj { grid-template-columns: 1fr; gap: var(--s5); } .rm-proj__table { padding-top: 0; } }
/* Champ « Montant » détaché des choix d'avance au-dessus */
.rm-group .choices + .field { margin-top: var(--s5); }
/* Mobile : tableau de projection en cartes empilées (une carte par année), sans défilement de côté */
@media (max-width: 599px) {
  .rm-calc .calc__result .btn { width: 100%; white-space: normal; }
  .rm-proj__table { overflow: visible; }
  .rm-table { min-width: 0; font-size: var(--fs-sm); }
  .rm-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .rm-table tbody, .rm-table tr, .rm-table th, .rm-table td { display: block; }
  .rm-table tr { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: var(--s3) var(--s4); }
  .rm-table tr + tr { margin-top: var(--s3); }
  .rm-table tbody th { padding: 0 0 var(--s2); margin-bottom: var(--s1); font-size: var(--fs-base); }
  .rm-table td { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s4); padding: 6px 0; border: 0; }
  .rm-table td::before { content: attr(data-label); color: var(--text-muted); font-weight: 500; text-align: left; white-space: normal; }
  .rm-table td:last-child { font-weight: 700; color: var(--ink); }
}

/* Barre d'appel mobile */
.mobile-cta { display: none; }
@media (max-width: 767px) {
  .mobile-cta { display: grid; grid-template-columns: auto 1fr; gap: 8px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.97); border-top: 1px solid var(--border);
    transform: translateY(110%); transition: transform 220ms var(--ease); }
  .mobile-cta.is-visible { transform: none; }
  .mobile-cta .btn { min-height: 48px; }
  body { padding-bottom: 0; }
  .site-footer { padding-bottom: 76px; }
}

/* --------------------------------------------------------------- Bande de consentement aux témoins */
.cookie-banner { position: fixed; left: 0; right: 0; bottom: 0; z-index: var(--z-toast); background: var(--white);
  border-top: 1px solid var(--border); box-shadow: 0 -10px 30px rgba(17,17,20,.12);
  padding: var(--s5) 0 calc(var(--s5) + env(safe-area-inset-bottom)); }
.cookie-banner[hidden] { display: none; }
.cookie-banner__inner { display: flex; align-items: center; gap: var(--s5) var(--s6); }
.cookie-banner__text { flex: 1; font-size: var(--fs-sm); color: var(--text-muted); }
.cookie-banner__text p { margin: 0; max-width: 90ch; }
.cookie-banner__text a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }
.cookie-banner__title { font-weight: 700; color: var(--ink); margin-bottom: var(--s1) !important; }
.cookie-banner__actions { display: flex; gap: var(--s3); flex: none; }
.cookie-banner__actions .btn { min-width: 132px; }
@media (max-width: 767px) {
  .cookie-banner { padding-top: var(--s4); }
  .cookie-banner__inner { flex-direction: column; align-items: stretch; gap: var(--s4); }
  .cookie-banner__actions .btn { flex: 1; min-width: 0; min-height: 48px; }
}
.footer__linkbtn { background: none; border: 0; padding: 4px 0; font: inherit; color: var(--text-on-dark-muted); cursor: pointer; text-align: left; }
.footer__linkbtn:hover { color: var(--white); text-decoration: underline; }
.footer__linkbtn:focus-visible { outline: 2px solid var(--mist); outline-offset: 2px; }
@media print { .cookie-banner { display: none !important; } }

/* --------------------------------------------------------------- Animation (discrète) */
.reveal { opacity: 0; transform: translateY(12px); transition: opacity 420ms var(--ease), transform 420ms var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}
@media print { .site-header, .topbar, .mobile-cta, .site-footer, .cta-band { display: none; } }

/* ==========================================================================
   Page d'entonnoir Hypothèque inversée (src/pages/reverse-funnel.mjs) — préfixe rf-
   Texte agrandi (voir body.page-funnel main plus haut), contrastes élevés, grandes cibles.
   ========================================================================== */
/* Champs techniques du moteur de formulaires */
.field--computed-hidden { display: none; }
.form-slot:empty { display: none; }

/* En-tête : pas de menu, bouton d'appel bien visible */
.page-funnel .site-header .header-actions { margin-left: auto; }
.header-call { min-height: 48px; font-size: var(--fs-base); white-space: nowrap; }
@media (max-width: 479px) { .header-call { padding: 0; width: 48px; } .header-call__num { display: none; } }

/* Héro : promesse à gauche, questionnaire à droite */
.rf-hero { background: linear-gradient(180deg, var(--mist-2) 0%, var(--soft) 100%); padding-block: var(--s8) var(--s9); }
.rf-hero__grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: var(--s7); align-items: start; }
.rf-hero__copy { padding-top: var(--s5); }
.rf-hero h1 { font-size: clamp(2.1rem, 1.3rem + 2.6vw, 3.4rem); max-width: 16ch; margin-bottom: var(--s5); }
.rf-hero__lead { font-size: var(--fs-md); color: var(--text-muted); max-width: 52ch; margin-bottom: var(--s5); }
.rf-hero__points { list-style: none; display: grid; gap: var(--s3); margin-bottom: var(--s6); }
.rf-hero__points li { display: flex; gap: .7em; align-items: flex-start; font-weight: 500; }
.rf-hero__points svg { flex: none; width: 24px; height: 24px; color: var(--slate); margin-top: 2px; }
.rf-broker-chip { display: inline-flex; gap: var(--s4); align-items: center; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s3) var(--s5) var(--s3) var(--s3); }
.rf-broker-chip img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: top; background: var(--mist); flex: none; }
.rf-broker-chip strong { display: block; line-height: 1.3; }
.rf-broker-chip span { display: block; font-size: var(--fs-xs); color: var(--text-muted); }
.rf-broker-chip a { display: inline-flex; align-items: center; gap: .4em; font-weight: 700; text-decoration: none; margin-top: 2px; min-height: 32px; }
.rf-broker-chip a svg { width: 16px; height: 16px; }
.rf-quiz { scroll-margin-top: calc(var(--header-h) + 12px); }
.rf-quiz__title { font-size: var(--fs-lg); font-weight: 700; letter-spacing: -0.015em; margin-bottom: var(--s3); }
.rf-quiz .form-card { padding: var(--s6); box-shadow: 0 24px 60px -30px rgba(17,17,20,.35); }
.rf-quiz .form-step h2 { font-size: var(--fs-lg); }
.rf-quiz .form-step > p.muted { margin-bottom: var(--s5); }
.rf-quiz .form-nav .btn--primary { --btn-bg: var(--signal); --btn-fg: var(--ink); --btn-bd: var(--signal); flex: 1 1 auto; }
.rf-quiz .form-nav .btn--primary:hover { --btn-bg: var(--signal-600); --btn-bd: var(--signal-600); }
.rf-quiz__safe { display: flex; gap: .6em; align-items: flex-start; margin: var(--s4) 0 0; font-size: var(--fs-xs); color: var(--text-muted); }
.rf-quiz__safe svg { flex: none; width: 18px; height: 18px; margin-top: 2px; color: var(--slate); }
@media (max-width: 959px) {
  .rf-hero { padding-block: var(--s6) var(--s8); }
  .rf-hero__grid { grid-template-columns: minmax(0, 1fr); gap: var(--s6); }
  .rf-hero__copy { padding-top: 0; }
  .rf-hero__points { margin-bottom: var(--s5); }
  .rf-broker-chip { display: none; } /* repris dans la section « Votre courtier »; le questionnaire monte plus haut */
}
@media (max-width: 599px) { .rf-quiz .form-card { padding: var(--s5); } }

/* Estimation (étape 2 du questionnaire) */
.rf-estimate { background: var(--slate); color: var(--white); border-radius: var(--radius); padding: var(--s5); margin: var(--s3) 0 var(--s5); }
.rf-estimate__label { font-size: var(--fs-xs); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--mist); margin: 0 0 var(--s1); }
.rf-estimate__big { font-size: clamp(2.2rem, 1.6rem + 2vw, 3rem); font-weight: 700; letter-spacing: -0.03em; line-height: 1.1; color: var(--signal); margin: 0; font-variant-numeric: tabular-nums; }
.rf-estimate__sub { color: var(--text-on-dark-muted); margin: var(--s1) 0 0; font-size: var(--fs-sm); }
.rf-estimate__rows { list-style: none; margin: var(--s4) 0 0; border-top: 1px solid rgba(202,221,225,.3); }
.rf-estimate__rows li { display: flex; justify-content: space-between; gap: var(--s4); padding: var(--s2) 0; border-bottom: 1px solid rgba(202,221,225,.3); font-size: var(--fs-sm); font-variant-numeric: tabular-nums; }
.rf-estimate__rows li span:last-child { white-space: nowrap; font-weight: 600; }
.rf-estimate__rows .is-total { color: var(--signal); font-weight: 700; }
.rf-estimate__msg { margin: var(--s4) 0 0; padding: var(--s3) var(--s4); border-radius: var(--radius-sm); background: rgba(255,243,109,.14); border: 1px solid rgba(255,243,109,.45); font-size: var(--fs-sm); }
.rf-estimate__msg:first-child { margin-top: 0; }
/* Message seul (moins de 55 ans ou valeur sous le minimum) : pas d'encadré dans l'encadré, texte pleine largeur */
.rf-estimate--msg { border-left: 4px solid var(--signal); }
.rf-estimate--msg .rf-estimate__msg { background: none; border: 0; padding: 0; font-size: var(--fs-base); line-height: 1.55; }
.rf-estimate__big .rf-estimate__ref { font-size: .5em; vertical-align: super; line-height: 0; margin-left: 2px; }
.rf-estimate__fine .rf-estimate__ref { font-weight: 700; color: var(--signal); }
.rf-estimate__fine { margin: var(--s4) 0 0; font-size: var(--fs-xs); line-height: 1.5; color: var(--text-on-dark-muted); }

/* Bande de confiance */
.rf-trust { background: var(--white); border-block: 1px solid var(--border); }
.rf-trust__grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s5); padding-block: var(--s6); }
.rf-trust__item { display: flex; gap: var(--s3); align-items: flex-start; }
.rf-trust__item > svg { flex: none; width: 28px; height: 28px; color: var(--slate); }
.rf-trust__item strong { display: block; line-height: 1.3; margin-bottom: 2px; }
.rf-trust__item span { display: block; font-size: var(--fs-sm); color: var(--text-muted); line-height: 1.45; }
@media (max-width: 1023px) { .rf-trust__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 599px) { .rf-trust__grid { grid-template-columns: minmax(0, 1fr); } }

/* Fonctionnement en 3 points + mise en garde honnête */
.rf-how { list-style: none; counter-reset: rfhow; display: grid; gap: var(--s4); margin: var(--s5) 0; padding: 0; }
.rf-how li { counter-increment: rfhow; position: relative; padding-left: 52px; color: var(--text-muted); }
.rf-how li strong { color: var(--ink); }
.rf-how li::before { content: counter(rfhow); position: absolute; left: 0; top: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--slate); color: var(--white); display: grid; place-items: center; font-weight: 700; font-size: var(--fs-sm); }
.rf-honest { display: flex; gap: var(--s3); background: var(--mist-2); border-left: 4px solid var(--slate); border-radius: var(--radius-sm); padding: var(--s4) var(--s5); }
.rf-honest > svg { flex: none; width: 22px; height: 22px; color: var(--slate); margin-top: 3px; }
.rf-honest__title { font-weight: 700; margin-bottom: var(--s1); }
.rf-honest p:last-child { margin: 0; color: var(--slate-800); }

/* Préoccupations */
.rf-concerns { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s4); }
.rf-concern { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--s5); }
.rf-concern h3 { font-size: var(--fs-md); line-height: 1.3; margin-bottom: var(--s2); }
.rf-concern p { margin: 0; color: var(--text-muted); font-size: var(--fs-sm); line-height: 1.55; }
@media (max-width: 1023px) { .rf-concerns { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 699px) { .rf-concerns { grid-template-columns: minmax(0, 1fr); } }
.rf-center { text-align: center; margin: var(--s6) 0 0; }

/* Est-ce pour vous? */
.rf-fit { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: var(--s8); align-items: center; }
.rf-fit__list { margin-bottom: var(--s6); }
.rf-uses { background: var(--mist-2); border-radius: var(--radius-lg); padding: var(--s6); }
.rf-uses__title { font-weight: 700; font-size: var(--fs-md); margin-bottom: var(--s4); }
.rf-uses ul { list-style: none; display: flex; flex-wrap: wrap; gap: var(--s2); }
.rf-uses li { background: var(--white); border: 1px solid var(--border); border-radius: var(--pill); padding: 8px 16px; font-size: var(--fs-sm); font-weight: 500; }
.rf-uses__note { margin: var(--s4) 0 0; font-size: var(--fs-sm); color: var(--text-muted); }
@media (max-width: 959px) { .rf-fit { grid-template-columns: minmax(0, 1fr); gap: var(--s6); } }

/* Démarche (fond ardoise) */
.rf-process { list-style: none; counter-reset: rfstep; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s5); padding: 0; margin: 0; }
.rf-process li { counter-increment: rfstep; border-top: 2px solid var(--mist); padding-top: var(--s4); }
.rf-process li::before { content: counter(rfstep, decimal-leading-zero); display: block; font-weight: 700; color: var(--signal); font-size: var(--fs-sm); letter-spacing: .1em; margin-bottom: var(--s2); }
.rf-process h3 { color: var(--white); font-size: var(--fs-md); margin-bottom: var(--s2); }
.rf-process p { color: var(--text-on-dark-muted); font-size: var(--fs-sm); margin: 0; }
.rf-process__note { display: flex; gap: .7em; align-items: flex-start; max-width: 70ch; margin: var(--s7) 0 0; color: var(--text-on-dark); }
.rf-process__note svg { flex: none; width: 22px; height: 22px; color: var(--signal); margin-top: 3px; }
@media (max-width: 959px) { .rf-process { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 599px) { .rf-process { grid-template-columns: minmax(0, 1fr); } }

/* Votre courtier */
.rf-portrait-wrap { max-width: 440px; width: 100%; justify-self: center; }

/* Avis Google */
.rf-reviews { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s4); }
.rf-review { margin: 0; background: var(--white); border-radius: var(--radius); padding: var(--s5); display: flex; flex-direction: column; }
.rf-review blockquote { margin: 0 0 var(--s4); flex: 1; }
.rf-review blockquote p { margin: 0; font-size: var(--fs-sm); line-height: 1.6; }
.rf-review figcaption { display: flex; align-items: center; gap: .5em; font-weight: 600; color: var(--slate); font-size: var(--fs-sm); }
.rf-review figcaption svg { width: 18px; height: 18px; }
@media (max-width: 1023px) { .rf-reviews { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 599px) { .rf-reviews { grid-template-columns: minmax(0, 1fr); } }

/* Appel final */
.rf-final { position: relative; isolation: isolate; overflow: hidden; background: var(--slate-800); color: var(--text-on-dark); padding-block: var(--s9); text-align: center; }
.rf-final__media { position: absolute; inset: 0; z-index: -2; }
.rf-final__media img { width: 100%; height: 100%; object-fit: cover; object-position: 40% 5%; }
.rf-final::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(35,58,65,.80) 0%, rgba(17,17,20,.82) 100%); }
.rf-final__inner { display: flex; flex-direction: column; align-items: center; }
.rf-how-media img { aspect-ratio: 4 / 5; object-position: center 68%; }
@media (max-width: 959px) { .rf-how-media img { aspect-ratio: 4 / 3; object-position: center 62%; } }
.rf-final h2 { max-width: 20ch; color: var(--white); }
.rf-final p { color: var(--text-on-dark-muted); max-width: 56ch; }
.rf-final__btns { justify-content: center; margin: var(--s3) 0 var(--s2); }
@media (max-width: 767px) { .rf-final { padding-block: var(--s8); } }

/* Barre mobile */
.rf-bar { display: none; }
@media (max-width: 767px) {
  .rf-bar { display: grid; grid-template-columns: auto 1fr; gap: 8px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.97); border-top: 1px solid var(--border);
    transform: translateY(110%); transition: transform 220ms var(--ease); }
  .rf-bar.is-visible { transform: none; }
  .rf-bar .btn { min-height: 52px; font-size: 1rem; }
}