:root{
  --ink:#16233B; --ink2:#0F1B2E; --blue:#2C63E0; --blue-d:#1E48A8; --blue-l:#EAF1FE;
  --bg:#F5F7FA; --white:#fff; --muted:#5A6B80; --line:#E4E9F0; --txd:#E9EFF8; --ok:#1F9D6B;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1120px;margin:0 auto;padding:0 26px}
.ser{font-family:'Lora',Georgia,serif}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.reveal{transition:opacity .6s ease,transform .6s ease}
html.js .reveal{opacity:0;transform:translateY(18px)}
html.js .reveal.in{opacity:1;transform:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:#fff;font-weight:600;
  padding:14px 28px;border-radius:980px;border:none;cursor:pointer;font-size:15.5px;transition:.15s}
.btn:hover{background:var(--blue-d);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line);font-weight:600;padding:11px 22px;border-radius:980px}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue-d);background:transparent;transform:none}
.kicker{font-size:12.5px;letter-spacing:1.5px;text-transform:uppercase;color:var(--blue-d);font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:9px}
.kicker .ln{width:26px;height:1px;background:var(--blue)}
h2.title{font-family:'Lora',serif;font-size:clamp(28px,3.6vw,42px);font-weight:600;color:var(--ink);letter-spacing:-.7px;line-height:1.14;margin-bottom:12px}
.lead{color:var(--muted);font-size:17px;max-width:640px;margin-bottom:40px}

/* header */
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:18.5px;color:var(--ink);letter-spacing:-.2px}
.logo svg{display:block}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{font-size:14.5px;color:var(--ink);font-weight:500}
.nav-links a:hover{color:var(--blue-d)}
.nav-right{display:flex;align-items:center;gap:16px}
@media(max-width:820px){.nav-links{display:none}}

/* hero */
.hero{padding:56px 0 66px;background:linear-gradient(180deg,#fff,#F5F7FA)}
.hgrid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center}
.hero h1{font-family:'Lora',serif;font-size:clamp(36px,4.8vw,58px);line-height:1.08;font-weight:700;letter-spacing:-1.2px;margin-bottom:18px;color:var(--ink)}
.hero h1 .u{color:var(--blue);font-style:italic}
.hero .sub{font-size:17.5px;color:var(--muted);margin-bottom:22px;max-width:500px}
.hpoints{display:flex;flex-direction:column;gap:9px}
.hpoints div{display:flex;gap:10px;align-items:center;font-size:14.5px;color:var(--ink)}
.hpoints .ck{color:var(--blue);font-weight:700}
@media(max-width:900px){.hgrid{grid-template-columns:1fr;gap:30px}}

/* diagnostic / forms */
.diag{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 20px 50px rgba(22,35,59,.10)}
.diag .dt{font-family:'Lora',serif;font-size:20px;font-weight:600;color:var(--ink);margin-bottom:4px}
.diag .ds{font-size:13px;color:var(--muted);margin-bottom:18px}
.q{margin-bottom:15px}
.q .lab{font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:8px;display:block}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:60px;background:#fff;border:1.5px solid var(--line);color:var(--ink);
  padding:10px;border-radius:10px;font-size:14px;font-weight:600;cursor:pointer;font-family:inherit;transition:.12s}
.seg button.on{background:var(--blue-l);border-color:var(--blue);color:var(--blue-d)}
.reco{background:var(--blue-l);border-radius:12px;padding:14px 16px;margin:6px 0 14px}
.reco .rl{font-size:12px;color:var(--blue-d);font-weight:700;text-transform:uppercase;letter-spacing:.5px}
.reco .rv{font-size:16px;font-weight:700;color:var(--ink);margin-top:3px}
.inp{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:12px 13px;font-size:14.5px;font-family:inherit;margin-bottom:10px}
.diag .btn{width:100%}
.fine{font-size:11.5px;color:var(--muted);text-align:center;margin-top:9px}

/* strip */
.strip{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:22px 0}
.strip-item{display:flex;align-items:center;gap:12px}
.strip-ic{width:40px;height:40px;border-radius:10px;background:var(--blue-l);color:var(--blue-d);display:flex;align-items:center;justify-content:center;flex:none}
.strip-ic svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.strip-item b{display:block;font-weight:600;font-size:14.5px}
.strip-item span{font-size:12.5px;color:var(--muted)}
@media(max-width:720px){.strip-grid{grid-template-columns:1fr;gap:12px}}

section.block{padding:84px 0}

/* situations grid */
.sit{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:4px}
.sitc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 22px;display:block;color:var(--ink);transition:.16s;position:relative}
.sitc:hover{border-color:var(--blue);box-shadow:0 14px 34px rgba(22,35,59,.09);transform:translateY(-3px)}
.sitc .ic{width:44px;height:44px;border-radius:12px;background:var(--blue-l);display:flex;align-items:center;justify-content:center;color:var(--blue-d);margin-bottom:15px}
.sitc .ic svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.sitc b{display:block;font-size:16px;color:var(--ink);margin-bottom:5px;font-weight:700}
.sitc span{font-size:13px;color:var(--muted);line-height:1.55}
.sitc .arrow{position:absolute;top:22px;right:22px;color:var(--blue);opacity:0;transition:.16s;font-weight:700}
.sitc:hover .arrow{opacity:1}
@media(max-width:820px){.sit{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.sit{grid-template-columns:1fr}}

/* calculator (dark) */
.calc{background:var(--ink);border-radius:20px;padding:38px;color:#fff;display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.calc h2{font-family:'Lora',serif;font-size:27px;font-weight:600;margin-bottom:10px}
.calc p{color:#b9c6d8;font-size:15px;margin-bottom:18px}
.calc .seg button{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.16);color:#dbe6f2}
.calc .seg button.on{background:var(--blue);border-color:var(--blue);color:#fff}
.calc .out{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:22px;text-align:center}
.calc .out .ov{font-family:'Lora',serif;font-size:clamp(32px,4.4vw,50px);font-weight:700;color:#fff;line-height:1.04;letter-spacing:-1.2px}
.calc .out .ol{font-size:12.5px;color:#b9c6d8;margin-top:8px}
.calc .out .years{margin-top:12px;font-size:14.5px;color:#9BC1FF;font-weight:700}
.calc .out .cover{margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.14);font-size:13.5px;color:#9fe3c4}
@media(max-width:820px){.calc{grid-template-columns:1fr;padding:26px}}

/* split cards */
.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px}
.card h3{font-family:'Lora',serif;font-size:21px;font-weight:600;color:var(--ink);margin-bottom:8px}
.card p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.mini-inp{display:flex;gap:8px;flex-wrap:wrap}
.mini-inp input{flex:1;min-width:150px;border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;font-size:14px;font-family:inherit}
.letters{display:flex;flex-direction:column;gap:10px;margin-bottom:16px}
.letters a{display:flex;align-items:center;justify-content:space-between;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:14px;font-weight:600;color:var(--ink)}
.letters a:hover{border-color:var(--blue)}
.letters a .dl{color:var(--blue-d);font-size:13px}
@media(max-width:760px){.split{grid-template-columns:1fr}}

/* transparency / how */
.how{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:30px 34px;display:flex;gap:18px;align-items:flex-start}
.how .ic{font-size:24px;color:var(--blue-d);flex:none;margin-top:2px}
.how h3{font-family:'Lora',serif;font-size:20px;color:var(--ink);font-weight:600;margin-bottom:7px}
.how p{color:var(--muted);font-size:14.5px}

/* faq */
.faq{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:4px}
.faqi{background:#fff;border:1px solid var(--line);border-radius:13px;padding:20px}
.faqi h4{font-size:15px;color:var(--ink);font-weight:600;margin-bottom:7px}
.faqi p{font-size:13.5px;color:var(--muted)}
@media(max-width:720px){.faq{grid-template-columns:1fr}}

/* témoignages */
.mocknote{background:#FFF7E6;border:1px solid #F0DFB8;color:#8a5a2e;border-radius:10px;padding:10px 14px;font-size:12.5px;margin-bottom:20px}
.testi{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:4px}
.tc{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;display:flex;flex-direction:column;transition:.16s}
.tc:hover{box-shadow:0 14px 34px rgba(22,35,59,.08);transform:translateY(-3px)}
.tc .vb{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;color:#127a52;background:#EAF7F0;
  border-radius:999px;padding:4px 11px;margin-bottom:14px;align-self:flex-start;letter-spacing:.02em}
.tc .q{font-family:'Lora',serif;font-size:17px;line-height:1.55;color:var(--ink);margin-bottom:18px;flex:1}
.tc .amt{background:var(--blue-l);border-radius:10px;padding:11px 14px;font-size:13.5px;color:var(--blue-d);font-weight:700;margin-bottom:16px}
.tc .who{display:flex;align-items:center;gap:11px;padding-top:15px;border-top:1px solid var(--line)}
.tc .av{width:38px;height:38px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex:none}
.tc .who b{display:block;font-size:14px}
.tc .who span{font-size:12.5px;color:var(--muted)}
.tsum{text-align:center;margin-top:30px;font-size:15.5px;color:var(--muted)}
.tsum b{color:var(--ink)}
@media(max-width:900px){.testi{grid-template-columns:1fr}}

/* cta band */
.ctaband{background:var(--ink);border-radius:20px;padding:44px;text-align:center;color:#fff}
.ctaband h2{font-family:'Lora',serif;font-size:30px;font-weight:600;margin-bottom:9px}
.ctaband p{color:#b9c6d8;font-size:16px;margin-bottom:22px}

/* situation page */
.sithero{padding:44px 0 10px}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.breadcrumb a:hover{color:var(--blue-d)}
.sithero h1{font-family:'Lora',serif;font-size:38px;font-weight:700;letter-spacing:-.5px;color:var(--ink);margin-bottom:12px;max-width:760px}
.sithero p{font-size:17px;color:var(--muted);max-width:640px}
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
@media(max-width:900px){.two{grid-template-columns:1fr;gap:28px}.sithero h1{font-size:30px}}
.checklist{list-style:none;display:flex;flex-direction:column;gap:11px}
.checklist li{display:flex;gap:11px;font-size:15px;color:var(--ink)}
.checklist li .c{flex:none;color:var(--ok);font-weight:700}
.callout{background:var(--blue-l);border-radius:14px;padding:20px 22px;margin-top:20px}
.callout b{color:var(--blue-d)}

/* related situations (maillage interne) */
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:4px}
.relc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;display:block;color:var(--ink);transition:.15s}
.relc:hover{border-color:var(--blue);transform:translateY(-2px)}
.relc b{display:block;font-size:14.5px;margin-bottom:3px;font-weight:700}
.relc span{font-size:12.5px;color:var(--muted)}
@media(max-width:820px){.related{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.related{grid-template-columns:1fr}}

/* prose / legal */
.prose{max-width:760px}
.prose h1{font-family:'Lora',serif;font-size:32px;font-weight:700;margin-bottom:18px;color:var(--ink)}
.prose h2{font-family:'Lora',serif;font-size:20px;font-weight:600;margin:26px 0 8px;color:var(--ink)}
.prose p{font-size:15px;color:var(--muted);margin-bottom:12px}
.prose ul{margin:0 0 12px 20px;color:var(--muted);font-size:15px}

/* footer */
footer{background:var(--ink2);color:#9fb0c4;padding:44px 0 30px;font-size:14px;margin-top:60px}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:22px;margin-bottom:18px}
.fl{display:flex;gap:20px;flex-wrap:wrap}.fl a:hover{color:#fff}
.fdis{font-size:12.5px;color:#728499;max-width:820px}

.center{text-align:center}
.mt24{margin-top:24px}