/* ============================================================
   DISPOSITIF JEANBRUN — style.css
   ============================================================ */

/* ── 1. Custom Properties ── */
:root {
  --navy:       #1a2744;
  --navy-mid:   #243560;
  --blue:       #4a7ab5;
  --blue-light: #6b9fd4;
  --blue-pale:  #d0dff0;
  --blue-bg:    #eef3fa;
  --gold:       #c9a84c;
  --gold-hover: #b8933a;
  --white:      #ffffff;
  --off-white:  #f5f7fb;
  --text:       #2c3e50;
  --text-light: #5a6a7e;
  --border:     #dde5f0;
  --success:    #2e7d32;
  --shadow-sm:  0 2px 8px rgba(26,39,68,.10);
  --shadow-md:  0 4px 20px rgba(26,39,68,.15);
  --radius:     8px;
  --radius-lg:  14px;
  --max-w:      1100px;
  --transition: .25s ease;
}

/* ── 2. Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Source Sans 3', 'Segoe UI', Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy); }
ul { list-style: none; }

/* ── 3. Typography ── */
h1, h2, h3, h4 {
  font-family: 'Raleway', 'Segoe UI', Arial, sans-serif;
  line-height: 1.2;
  color: var(--navy);
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-weight: 600; }
.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: .5rem;
}
.section-title { margin-bottom: 1rem; }
.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-light);
  max-width: 660px;
  margin-bottom: 2.5rem;
}
.centered { text-align: center; }
.centered .section-subtitle { margin-left: auto; margin-right: auto; }

/* ── 4. Layout ── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section {
  padding: 5rem 0;
}
.section-alt { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h2, .section-dark h3, .section-dark h4 { color: var(--white); }
.section-dark .section-label { color: var(--blue-light); }
.section-dark p { color: rgba(255,255,255,.82); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

/* ── 5. Navbar ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  height: 68px;
  display: flex;
  align-items: center;
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,.22); }
.navbar-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.navbar-logo {
  display: flex;
  align-items: center;
  gap: .7rem;
  text-decoration: none;
}
.navbar-logo-text {
  color: var(--white);
  font-family: 'Raleway', sans-serif;
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: .01em;
}
.navbar-logo-text span { color: var(--gold); }
.navbar-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.navbar-nav a {
  color: rgba(255,255,255,.78);
  font-size: .9rem;
  font-weight: 600;
  letter-spacing: .02em;
  text-transform: uppercase;
  transition: color var(--transition);
}
.navbar-nav a:hover { color: var(--white); }
.navbar-cta {
  margin-left: 1rem;
}

/* Hamburger */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: .4rem;
  flex-direction: column;
  gap: 5px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ── 6. Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .75rem 1.75rem;
  border-radius: var(--radius);
  font-family: 'Raleway', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  letter-spacing: .02em;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  border: none;
  text-decoration: none;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 3px 12px rgba(201,168,76,.35);
}
.btn-gold:hover { background: var(--gold-hover); color: var(--navy); box-shadow: 0 5px 18px rgba(201,168,76,.45); }
.btn-primary {
  background: var(--blue);
  color: var(--white);
}
.btn-primary:hover { background: var(--navy-mid); color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline:hover { border-color: var(--white); color: var(--white); background: rgba(255,255,255,.08); }
.btn-sm { padding: .5rem 1.1rem; font-size: .85rem; }
.btn-lg { padding: 1rem 2.2rem; font-size: 1.05rem; }

/* ── 7. Hero ── */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, #1e3560 60%, #2a4a80 100%);
  display: flex;
  align-items: center;
  padding-top: 68px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -10%; right: -5%;
  width: 55%;
  height: 120%;
  background: radial-gradient(ellipse, rgba(74,122,181,.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(60% 100% at 50% 100%);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding: 5rem 0 7rem;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(201,168,76,.15);
  border: 1px solid rgba(201,168,76,.4);
  color: var(--gold);
  padding: .35rem .9rem;
  border-radius: 30px;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 1.2rem;
}
.hero h1 span { color: var(--gold); }
.hero-lead {
  color: rgba(255,255,255,.78);
  font-size: 1.15rem;
  max-width: 540px;
  margin-bottom: 2rem;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-top: 2.5rem;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: .4rem;
  color: rgba(255,255,255,.65);
  font-size: .87rem;
}
.hero-trust-item svg { flex-shrink: 0; opacity: .7; }

/* Hero card */
.hero-card {
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 2rem;
}
.hero-card-title {
  color: var(--white);
  font-family: 'Raleway', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 1.5rem;
  opacity: .7;
}
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.stat-item {
  background: rgba(255,255,255,.07);
  border-radius: var(--radius);
  padding: 1rem;
  text-align: center;
}
.stat-number {
  font-family: 'Raleway', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: .3rem;
}
.stat-label {
  font-size: .82rem;
  color: rgba(255,255,255,.65);
  line-height: 1.3;
}

/* ── 8. Key Numbers Banner ── */
.banner-numbers {
  background: var(--navy-mid);
  padding: 2rem 0;
}
.banner-numbers-inner {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
}
.banner-num-item { text-align: center; }
.banner-num { font-family: 'Raleway', sans-serif; font-size: 2rem; font-weight: 800; color: var(--gold); }
.banner-num-desc { font-size: .88rem; color: rgba(255,255,255,.65); margin-top: .2rem; }

/* ── 9. Cards ── */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
  background: var(--blue-bg);
}
.card-icon svg { width: 26px; height: 26px; color: var(--blue); fill: var(--blue); }
.card h3 { margin-bottom: .6rem; font-size: 1.15rem; }
.card p { color: var(--text-light); font-size: .95rem; line-height: 1.6; }

.card-volet {
  border-top: 4px solid var(--navy);
  position: relative;
}
.card-volet.volet-neuf { border-top-color: var(--navy); }
.card-volet.volet-ancien { border-top-color: var(--blue); }
.volet-tag {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--white);
  padding: .3rem .8rem;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.volet-tag.tag-neuf { background: var(--navy); }
.volet-tag.tag-ancien { background: var(--blue); }
.volet-period {
  display: flex;
  align-items: center;
  gap: .5rem;
  background: var(--blue-bg);
  border-radius: var(--radius);
  padding: .75rem 1rem;
  margin-top: 1.2rem;
  font-size: .9rem;
  color: var(--navy);
}
.volet-period svg { flex-shrink: 0; color: var(--blue); }
.volet-list { margin-top: 1rem; }
.volet-list li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  padding: .4rem 0;
  font-size: .93rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}
.volet-list li:last-child { border-bottom: none; }
.check-icon { color: var(--blue); flex-shrink: 0; margin-top: .18em; }

/* ── 10. Tables ── */
.table-wrapper { overflow-x: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); margin-top: 1.5rem; }
table {
  width: 100%;
  border-collapse: collapse;
  font-size: .95rem;
}
thead tr { background: var(--navy); }
thead th {
  padding: 1rem 1.25rem;
  text-align: left;
  color: var(--white);
  font-family: 'Raleway', sans-serif;
  font-size: .88rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  white-space: nowrap;
}
thead th:first-child { border-radius: var(--radius-lg) 0 0 0; }
thead th:last-child { border-radius: 0 var(--radius-lg) 0 0; }
tbody tr { border-bottom: 1px solid var(--border); transition: background var(--transition); }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--blue-bg); }
tbody td {
  padding: .9rem 1.25rem;
  color: var(--text);
  vertical-align: middle;
}
tbody tr:nth-child(even) td { background: var(--off-white); }
tbody tr:nth-child(even):hover td { background: var(--blue-bg); }
.td-highlight {
  font-weight: 700;
  color: var(--navy);
}
.td-gold { font-weight: 800; color: var(--gold); font-size: 1.05rem; }
.td-center { text-align: center; }
.td-badge {
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  background: var(--blue-bg);
  color: var(--navy);
  padding: .2rem .65rem;
  border-radius: 20px;
  font-size: .85rem;
  font-weight: 700;
}

/* Comparison table */
.table-comparison thead th:nth-child(2) { background: rgba(74,122,181,.25); }
.table-comparison thead th:nth-child(3) { background: rgba(201,168,76,.25); }
.table-comparison .col-jeanbrun { background: rgba(201,168,76,.08); font-weight: 600; color: var(--navy); }
.table-comparison .col-pinel { color: var(--text-light); }

/* ── 11. Calculation Box ── */
.calcul-scenario {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.calcul-header {
  background: var(--navy);
  color: var(--white);
  padding: 1.2rem 1.5rem;
  display: flex;
  align-items: center;
  gap: .8rem;
}
.calcul-header h4 { color: var(--white); font-size: 1rem; margin: 0; }
.calcul-body { padding: 1.5rem; }
.calcul-step {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: .6rem 0;
  border-bottom: 1px dashed var(--border);
  font-size: .93rem;
}
.calcul-step:last-child { border-bottom: none; }
.step-num {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: .1em;
}
.calcul-result {
  background: var(--navy);
  color: var(--white);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius);
  margin-top: 1rem;
  text-align: center;
}
.calcul-result-number { font-size: 1.8rem; font-weight: 800; color: var(--gold); }
.calcul-result-label { font-size: .88rem; color: rgba(255,255,255,.7); margin-top: .2rem; }

/* Simulation cards */
.simul-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.simul-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.simul-card-head {
  padding: 1rem 1.5rem;
  background: var(--navy);
  color: var(--white);
}
.simul-card-head h4 { color: var(--white); font-size: .95rem; }
.simul-card-body { background: var(--white); border: 1px solid var(--border); border-top: none; padding: 1rem 1.5rem; }
.simul-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .45rem 0;
  font-size: .9rem;
  border-bottom: 1px solid var(--border);
}
.simul-row:last-child { border-bottom: none; }
.simul-row .label { color: var(--text-light); }
.simul-row .value { font-weight: 600; color: var(--navy); }
.simul-row .value.positive { color: var(--success); }
.simul-row.total {
  margin-top: .5rem;
  background: var(--navy);
  color: var(--white);
  padding: .7rem 1rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
}
.simul-row.total .value { color: var(--gold); font-size: 1.1rem; }

/* ── 12. Alert / Info Boxes ── */
.alert {
  display: flex;
  gap: 1rem;
  padding: 1rem 1.25rem;
  border-radius: var(--radius);
  font-size: .92rem;
  margin-top: 1rem;
}
.alert-info { background: var(--blue-bg); border-left: 4px solid var(--blue); color: var(--navy); }
.alert-warning { background: #fff8e1; border-left: 4px solid #f9a825; color: #5a4000; }
.alert-danger { background: #fdecea; border-left: 4px solid #c62828; color: #7f0000; }
.alert-success { background: #e8f5e9; border-left: 4px solid #2e7d32; color: #1b4a1e; }
.alert svg { flex-shrink: 0; margin-top: .1em; }
.alert strong { display: block; margin-bottom: .2rem; }

/* ── 13. Checklist ── */
.checklist {
  display: flex;
  flex-direction: column;
  gap: .6rem;
  margin: 1rem 0;
}
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  padding: .6rem 1rem;
  background: var(--off-white);
  border-radius: var(--radius);
  font-size: .93rem;
  border: 1px solid var(--border);
}
.checklist li .icon { color: var(--blue); flex-shrink: 0; margin-top: .1em; }
.checklist li .icon-warn { color: #d84315; }

/* ── 14. FAQ ── */
.faq-list { margin-top: 1.5rem; display: flex; flex-direction: column; gap: .75rem; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 1.5rem;
  cursor: pointer;
  font-weight: 700;
  font-size: .98rem;
  color: var(--navy);
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  gap: 1rem;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--blue-bg); }
.faq-question[aria-expanded="true"] { background: var(--blue-bg); color: var(--navy); }
.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--blue-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  transition: transform var(--transition), background var(--transition);
}
.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
  background: var(--navy);
  color: var(--white);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .25s ease;
  padding: 0 1.5rem;
  font-size: .95rem;
  color: var(--text-light);
  line-height: 1.7;
}
.faq-answer.open {
  max-height: 600px;
  padding: 0 1.5rem 1.2rem;
}

/* ── 15. Lead Form Section ── */
.lead-section {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3560 100%);
  padding: 5rem 0;
}
.lead-inner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 4rem;
  align-items: center;
}
.lead-text h2 { color: var(--white); }
.lead-text p { color: rgba(255,255,255,.72); font-size: 1rem; margin-top: .8rem; }
.lead-perks { margin-top: 1.8rem; display: flex; flex-direction: column; gap: .7rem; }
.lead-perk {
  display: flex;
  align-items: center;
  gap: .7rem;
  color: rgba(255,255,255,.82);
  font-size: .93rem;
}
.lead-perk svg { color: var(--gold); flex-shrink: 0; }
.lead-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: 0 20px 60px rgba(0,0,0,.25);
}
.lead-form-card h3 { margin-bottom: .4rem; font-size: 1.3rem; }
.lead-form-card p { color: var(--text-light); font-size: .9rem; margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-size: .86rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .35rem;
  letter-spacing: .02em;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: .95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(74,122,181,.15);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-submit { width: 100%; margin-top: .5rem; justify-content: center; }
.form-legal {
  margin-top: .75rem;
  font-size: .78rem;
  color: var(--text-light);
  text-align: center;
  line-height: 1.4;
}
.form-success {
  display: none;
  text-align: center;
  padding: 2rem;
  color: var(--success);
}
.form-success svg { margin: 0 auto 1rem; }
.form-success h4 { color: var(--success); }

/* ── 16. Inline CTA Banner ── */
.cta-banner {
  background: var(--blue-bg);
  border: 1px solid var(--blue-pale);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  margin-top: 3rem;
}
.cta-banner-text h3 { margin-bottom: .3rem; }
.cta-banner-text p { color: var(--text-light); font-size: .93rem; }
.cta-banner.dark {
  background: var(--navy);
  border-color: transparent;
}
.cta-banner.dark .cta-banner-text h3 { color: var(--white); }
.cta-banner.dark .cta-banner-text p { color: rgba(255,255,255,.65); }

/* ── 17. Tabs ── */
.tabs {
  display: flex;
  gap: .5rem;
  margin-bottom: 1.5rem;
  border-bottom: 2px solid var(--border);
  flex-wrap: wrap;
}
.tab-btn {
  padding: .65rem 1.3rem;
  border: none;
  background: none;
  font-family: 'Raleway', sans-serif;
  font-size: .9rem;
  font-weight: 700;
  color: var(--text-light);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: color var(--transition), border-color var(--transition);
  border-radius: var(--radius) var(--radius) 0 0;
}
.tab-btn:hover { color: var(--navy); }
.tab-btn.active { color: var(--navy); border-bottom-color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ── 18. Process Steps ── */
.steps {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  counter-reset: step;
}
.step-item {
  display: flex;
  gap: 1.2rem;
  align-items: flex-start;
  padding: 1.2rem 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  position: relative;
}
.step-num-lg {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Raleway', sans-serif;
  font-weight: 800;
  font-size: 1rem;
  flex-shrink: 0;
}
.step-content h4 { margin-bottom: .3rem; font-size: 1rem; }
.step-content p { color: var(--text-light); font-size: .92rem; }

/* ── 19. Footer ── */
footer {
  background: #111b30;
  color: rgba(255,255,255,.55);
  padding: 4rem 0 2rem;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand p {
  font-size: .9rem;
  color: rgba(255,255,255,.5);
  margin-top: .8rem;
  max-width: 300px;
  line-height: 1.6;
}
.footer-col h5 {
  font-family: 'Raleway', sans-serif;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 1rem;
}
.footer-col ul li { margin-bottom: .5rem; }
.footer-col ul li a {
  color: rgba(255,255,255,.58);
  font-size: .9rem;
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }
.footer-bottom {
  padding-top: 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: .82rem;
}
.footer-bottom a { color: rgba(255,255,255,.45); }
.footer-bottom a:hover { color: var(--white); }

/* ── 20. Scroll anchor offset ── */
section[id] { scroll-margin-top: 80px; }

/* ── 21. Responsive ── */
@media (max-width: 900px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-inner { grid-template-columns: 1fr; gap: 2rem; text-align: center; }
  .hero-actions { justify-content: center; }
  .hero-trust { justify-content: center; }
  .lead-inner { grid-template-columns: 1fr; gap: 2rem; }
  .simul-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 2rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .cta-banner { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
  .section { padding: 3.5rem 0; }
  .navbar-nav { display: none; }
  .navbar-nav.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 68px;
    left: 0; right: 0;
    background: var(--navy);
    padding: 1.5rem;
    gap: 1rem;
    box-shadow: 0 10px 30px rgba(0,0,0,.3);
    z-index: 999;
  }
  .navbar-cta { display: none; }
  .nav-toggle { display: flex; }
  .banner-numbers-inner { flex-direction: row; flex-wrap: wrap; justify-content: center; gap: 1.5rem 3rem; }
  .form-row { grid-template-columns: 1fr; }
  .tabs { gap: .3rem; }
  .tab-btn { padding: .5rem .9rem; font-size: .84rem; }
  .hero::after { display: none; }
  .hero { padding-bottom: 3rem; }
  .hero-inner { padding: 3rem 0 4rem; }
  /* Sub-page hero padding */
  section[style*="padding: 10rem"] { padding-top: 7rem !important; padding-bottom: 3rem !important; }
  section[style*="padding: 5rem 0"] { padding-top: 3rem !important; padding-bottom: 3rem !important; }
  section[style*="padding: 4rem 0"] { padding-top: 2.5rem !important; padding-bottom: 2.5rem !important; }
}

@media (max-width: 600px) {
  /* Collapse any multi-column inline grid to single column */
  div[style*="grid-template-columns:repeat(4,1fr)"],
  div[style*="grid-template-columns: repeat(4, 1fr)"] {
    grid-template-columns: repeat(2, 1fr) !important;
  }
  div[style*="grid-template-columns:repeat(3,1fr)"],
  div[style*="grid-template-columns: repeat(3, 1fr)"],
  div[style*="grid-template-columns:1fr 1fr 1fr"],
  div[style*="grid-template-columns: 1fr 1fr 1fr"] {
    grid-template-columns: 1fr !important;
  }
  div[style*="grid-template-columns:2fr 1fr"],
  div[style*="grid-template-columns: 2fr 1fr"],
  div[style*="grid-template-columns:3fr 2fr"],
  div[style*="grid-template-columns: 3fr 2fr"],
  div[style*="grid-template-columns:1fr 1fr;"],
  div[style*="grid-template-columns: 1fr 1fr;"],
  div[style*="grid-template-columns:1fr 1.2fr"],
  div[style*="grid-template-columns: 1fr 1.2fr"] {
    grid-template-columns: 1fr !important;
    gap: 1.5rem !important;
  }
}

@media (max-width: 480px) {
  .btn-lg { padding: .85rem 1.6rem; font-size: .95rem; }
  .btn { padding: .65rem 1.25rem; font-size: .9rem; }
  .hero h1 { font-size: 1.9rem; }
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .stat-number { font-size: 1.6rem; }
  .banner-num { font-size: 1.6rem; }
  .lead-form-card { padding: 1.5rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  div[style*="grid-template-columns:repeat(4,1fr)"],
  div[style*="grid-template-columns: repeat(4, 1fr)"] {
    grid-template-columns: 1fr !important;
  }
  .section-intro { margin-bottom: 2rem; }
  .condition-block-body { padding: 1.2rem; }
  .calcul-full-body { padding: 1.2rem; }
}

/* ── 22. Section Intro (sub-pages) ── */
.section-intro {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 3rem;
}
.section-intro h2 { margin-bottom: .8rem; }
.section-intro p { color: var(--text-light); font-size: 1.05rem; line-height: 1.65; }

/* ── Step body helpers (sub-page process steps) ── */
.step-num { /* already defined in calcul-step */ }
.step-body { flex: 1; min-width: 0; }
.step-title { font-weight: 700; color: var(--navy); margin-bottom: .3rem; font-size: .95rem; }
.step-desc { font-size: .9rem; color: var(--text-light); line-height: 1.55; }
.process-steps { display: flex; flex-direction: column; gap: 0; }

/* ── Footer grid for sub-pages ── */
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand p { font-size: .9rem; color: rgba(255,255,255,.5); margin-top: .8rem; max-width: 300px; line-height: 1.6; }
.footer-links h4 { font-family: 'Raleway', sans-serif; font-size: .82rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.4); margin-bottom: 1rem; }
.footer-links ul li { margin-bottom: .5rem; }
.footer-links ul li a { color: rgba(255,255,255,.58); font-size: .9rem; transition: color var(--transition); }
.footer-links ul li a:hover { color: var(--white); }

/* ── 23. Utility ── */
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.text-blue { color: var(--blue); }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--text-light); }
.font-bold { font-weight: 700; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }