/* ============================================================
   BM Assurances & Conseils — Design System
   Palette : bleu #185FA5 · vert #1D9E75 · fond emprunteur #E1F5EE
   Type    : Inter Tight (titres) + Inter (texte)
   ============================================================ */

:root{
  /* Couleurs */
  --blue:        #185FA5;
  --blue-dark:   #0F4276;
  --blue-darker: #0A2A4E;
  --green:       #1D9E75;
  --green-dark:  #157A5A;
  --mint:        #E1F5EE;
  --ink:         #14202E;
  --slate:       #4A5A6A;
  --line:        #E4E9EE;
  --paper:       #FFFFFF;
  --cloud:       #F6F8FA;

  /* Overlays imposés par la charte */
  --ov-dark:  rgba(10, 25, 50, 0.60);
  --ov-hero:  rgba(10, 25, 50, 0.55);
  --ov-light: rgba(255, 255, 255, 0.88);

  /* Système */
  --maxw: 1180px;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 3px rgba(16,40,70,.06), 0 6px 18px rgba(16,40,70,.05);
  --shadow-md: 0 10px 30px rgba(16,40,70,.10);
  --shadow-lg: 0 24px 60px rgba(16,40,70,.16);
  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*,*::before,*::after{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body{
  font-family:'Inter', system-ui, sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
button{ font-family:inherit; cursor:pointer; border:none; background:none; }
ul{ list-style:none; }

h1,h2,h3,h4,.display{
  font-family:'Inter Tight','Inter',sans-serif;
  line-height:1.1;
  letter-spacing:-.02em;
  font-weight:700;
  color:var(--ink);
  text-wrap:balance;
}
h1{ font-size:clamp(2.3rem, 5vw, 3.6rem); }
h2{ font-size:clamp(1.8rem, 3.4vw, 2.7rem); }
h3{ font-size:1.32rem; letter-spacing:-.01em; }
p{ text-wrap:pretty; }

/* ---------- Layout helpers ---------- */
.container{ width:100%; max-width:var(--maxw); margin-inline:auto; padding-inline:24px; }
.section{ padding-block:clamp(64px, 9vw, 116px); }
.section--tight{ padding-block:clamp(48px,6vw,80px); }
.eyebrow{
  display:inline-flex; align-items:center; gap:9px;
  font-size:.78rem; font-weight:600; letter-spacing:.14em; text-transform:uppercase;
  color:var(--green);
}
.eyebrow::before{ content:""; width:26px; height:2px; background:var(--green); border-radius:2px; }
.eyebrow--light{ color:#9FE8CF; }
.eyebrow--light::before{ background:#9FE8CF; }
.lead{ font-size:1.16rem; color:var(--slate); max-width:62ch; }
.center{ text-align:center; }
.center .lead{ margin-inline:auto; }
.section-head{ max-width:64ch; margin-bottom:48px; }
.section-head.center{ margin-inline:auto; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-weight:600; font-size:1rem; line-height:1;
  padding:15px 26px; border-radius:12px;
  transition:transform .2s var(--ease), box-shadow .2s var(--ease), background .2s, color .2s, border-color .2s;
  white-space:nowrap;
}
.btn svg{ width:18px; height:18px; }
.btn:hover{ transform:translateY(-2px); }
.btn-primary{ background:var(--blue); color:#fff; box-shadow:0 8px 20px rgba(24,95,165,.28); }
.btn-primary:hover{ background:var(--blue-dark); box-shadow:0 12px 26px rgba(24,95,165,.34); }
.btn-green{ background:var(--green); color:#fff; box-shadow:0 8px 20px rgba(29,158,117,.28); }
.btn-green:hover{ background:var(--green-dark); box-shadow:0 12px 26px rgba(29,158,117,.34); }
.btn-white{ background:#fff; color:var(--blue); box-shadow:0 8px 22px rgba(0,0,0,.18); }
.btn-white:hover{ background:#f1f5f9; }
.btn-outline-white{ background:transparent; color:#fff; border:1.5px solid rgba(255,255,255,.7); }
.btn-outline-white:hover{ background:rgba(255,255,255,.12); border-color:#fff; }
.btn-ghost{ background:transparent; color:var(--blue); border:1.5px solid var(--line); }
.btn-ghost:hover{ border-color:var(--blue); background:var(--cloud); }
.btn-lg{ padding:18px 32px; font-size:1.06rem; }
.btn-block{ width:100%; }

/* link arrow */
.link-arrow{ display:inline-flex; align-items:center; gap:7px; font-weight:600; color:var(--blue); }
.link-arrow svg{ width:17px; height:17px; transition:transform .2s var(--ease); }
.link-arrow:hover svg{ transform:translateX(4px); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(255,255,255,.86);
  backdrop-filter:saturate(180%) blur(14px);
  -webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid var(--line);
}
.nav{ display:flex; align-items:center; gap:12px; height:74px; }
.brand{ display:flex; align-items:center; gap:11px; font-family:'Inter Tight',sans-serif; font-weight:700; letter-spacing:-.02em; }
.brand .mark{
  width:40px; height:40px; border-radius:11px; flex:none;
  background:linear-gradient(135deg,var(--blue),var(--green));
  color:#fff; display:grid; place-items:center;
  font-size:1.02rem; font-weight:700; letter-spacing:0;
  box-shadow:0 6px 14px rgba(24,95,165,.28);
}
.brand .brand-name{ font-size:1.08rem; color:var(--ink); line-height:1.15; }
.brand .brand-name small{ display:block; font-size:.7rem; font-weight:500; color:var(--slate); letter-spacing:.02em; }
/* En-tête compact : nom réduit, sous-titre masqué pour laisser la place à la nav */
.site-header .brand .brand-name{ font-size:.96rem; }
.site-header .brand .brand-name small{ display:none; }

.nav-links{ display:flex; align-items:center; gap:2px; margin-left:auto; }
.nav-links > li > a, .nav-links > li > button{
  display:inline-flex; align-items:center; gap:6px;
  padding:9px 8px; border-radius:9px;
  font-weight:500; font-size:.85rem; color:var(--ink); white-space:nowrap;
  transition:background .15s, color .15s;
}
.nav-links > li > a:hover, .nav-links > li > button:hover{ background:var(--cloud); color:var(--blue); }
.nav-links a.active, .nav-links > li > button.active{ color:var(--blue); font-weight:600; }
.nav-links a.active::after{
  content:""; display:block; height:2px; background:var(--green);
  border-radius:2px; margin-top:3px;
}

/* Actions à droite (toujours visibles) */
.nav-actions{ display:flex; align-items:center; gap:10px; }
.nav-cta-btn{ white-space:nowrap; padding:9px 14px; font-size:.88rem; }

/* Burger */
.burger{ display:none; width:44px; height:44px; border-radius:10px; align-items:center; justify-content:center; }
.burger span{ display:block; width:22px; height:2px; background:var(--ink); border-radius:2px; position:relative; transition:.25s; }
.burger span::before,.burger span::after{ content:""; position:absolute; left:0; width:22px; height:2px; background:var(--ink); border-radius:2px; transition:.25s; }
.burger span::before{ top:-7px; } .burger span::after{ top:7px; }
.burger.open span{ background:transparent; }
.burger.open span::before{ top:0; transform:rotate(45deg); }
.burger.open span::after{ top:0; transform:rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative; min-height:100vh; display:flex; align-items:center;
  background-size:cover; background-position:center; background-attachment:scroll;
  color:#fff; overflow:hidden;
}
.hero::after{ content:""; position:absolute; inset:0; background:var(--ov-hero); }
.hero > .container{ position:relative; z-index:2; }
.hero-inner{ max-width:740px; padding-block:120px; }
.hero h1{ color:#fff; margin:18px 0 20px; }
.hero p{ font-size:1.22rem; color:rgba(255,255,255,.92); max-width:60ch; margin-bottom:34px; }
.hero-actions{ display:flex; flex-wrap:wrap; gap:14px; }

/* Hero secondaire (pages internes) */
.page-hero{
  position:relative; min-height:clamp(360px,52vh,520px); display:flex; align-items:flex-end;
  background-size:cover; background-position:center; color:#fff; overflow:hidden;
}
.page-hero::after{ content:""; position:absolute; inset:0;
  background:linear-gradient(180deg, rgba(10,25,50,.35) 0%, var(--ov-dark) 70%, rgba(10,25,50,.74) 100%); }
.page-hero > .container{ position:relative; z-index:2; padding-block:54px; }
.page-hero h1{ color:#fff; margin:14px 0 14px; max-width:18ch; }
.page-hero p{ color:rgba(255,255,255,.9); font-size:1.16rem; max-width:60ch; }
.breadcrumb{ font-size:.85rem; color:rgba(255,255,255,.7); display:flex; gap:8px; align-items:center; }
.breadcrumb a:hover{ color:#fff; }

.badge{
  display:inline-flex; align-items:center; gap:9px;
  padding:8px 16px; border-radius:100px;
  font-size:.84rem; font-weight:600; letter-spacing:.01em;
  background:rgba(255,255,255,.14); border:1px solid rgba(255,255,255,.24);
  color:#fff; backdrop-filter:blur(4px);
}
.badge .dot{ width:8px; height:8px; border-radius:50%; background:var(--green); box-shadow:0 0 0 4px rgba(29,158,117,.3); }

/* ============================================================
   SECTIONS À FOND IMAGE
   ============================================================ */
.bg-section{
  position:relative; background-size:cover; background-position:center; color:#fff; overflow:hidden;
}
.bg-section::after{ content:""; position:absolute; inset:0; background:var(--ov-dark); }
.bg-section > .container{ position:relative; z-index:2; }
.bg-section h2,.bg-section h3{ color:#fff; }

.bg-light{ position:relative; background-size:cover; background-position:center; overflow:hidden; }
.bg-light::after{ content:""; position:absolute; inset:0; background:var(--ov-light); }
.bg-light > .container{ position:relative; z-index:2; }

/* ============================================================
   CARTES
   ============================================================ */
.grid{ display:grid; gap:22px; }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }

.card{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius);
  padding:30px; box-shadow:var(--shadow-sm);
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.card-ic{
  width:50px; height:50px; border-radius:13px; display:grid; place-items:center;
  background:var(--mint); color:var(--green-dark); margin-bottom:18px;
}
.card-ic svg{ width:25px; height:25px; }
.card h3{ margin-bottom:9px; }
.card p{ color:var(--slate); font-size:.99rem; }

/* Carte service cliquable */
a.card-link{ display:block; }
a.card-link:hover{ transform:translateY(-5px); box-shadow:var(--shadow-md); border-color:#cfe0ec; }
.card-link .card-ic{ background:linear-gradient(135deg,rgba(24,95,165,.1),rgba(29,158,117,.12)); color:var(--blue); }
.card-link:hover .card-ic{ background:var(--blue); color:#fff; }
.card-foot{ margin-top:18px; display:flex; align-items:center; gap:7px; color:var(--blue); font-weight:600; font-size:.95rem; }
.card-foot svg{ width:16px; height:16px; transition:transform .2s var(--ease); }
.card-link:hover .card-foot svg{ transform:translateX(4px); }

/* Carte glassmorphism (pourquoi me choisir) */
.glass{
  background:rgba(255,255,255,.10); border:1px solid rgba(255,255,255,.15);
  border-radius:var(--radius); padding:30px; backdrop-filter:blur(8px);
  transition:transform .25s var(--ease), background .25s;
}
.glass:hover{ transform:translateY(-4px); background:rgba(255,255,255,.15); }
.glass .card-ic{ background:rgba(255,255,255,.16); color:#9FE8CF; }
.glass h3{ color:#fff; margin-bottom:9px; }
.glass p{ color:rgba(255,255,255,.82); font-size:.98rem; }

/* ============================================================
   BLOC EMPRUNTEUR
   ============================================================ */
.emprunteur{
  position:relative; background-size:cover; background-position:center; overflow:hidden;
  background-color:var(--mint);
}
.emprunteur::after{ content:""; position:absolute; inset:0; background:rgba(225,245,238,.88); }
.emprunteur > .container{ position:relative; z-index:2; }
.emprunteur-grid{ display:grid; grid-template-columns:1.2fr .9fr; gap:50px; align-items:center; }
.savings-num{ font-family:'Inter Tight',sans-serif; font-weight:700; font-size:clamp(3.4rem,8vw,5.6rem); line-height:.9; color:var(--green-dark); letter-spacing:-.03em; }
.savings-card{
  background:#fff; border-radius:var(--radius); padding:32px; box-shadow:var(--shadow-md);
  border:1px solid rgba(29,158,117,.18);
}
.savings-card .row{ display:flex; justify-content:space-between; align-items:center; padding:13px 0; border-bottom:1px dashed var(--line); }
.savings-card .row:last-child{ border-bottom:none; }
.savings-card .row b{ color:var(--ink); }
.savings-card .strike{ color:var(--slate); text-decoration:line-through; }
.savings-card .hl{ color:var(--green-dark); font-weight:700; font-size:1.2rem; }

/* ============================================================
   ACCORDÉON (offres / FAQ)
   ============================================================ */
.accordion{ display:flex; flex-direction:column; gap:14px; }
.acc-item{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow-sm); transition:border-color .2s, box-shadow .2s; }
.acc-item.open{ border-color:#cfe0ec; box-shadow:var(--shadow-md); }
.acc-head{
  display:flex; align-items:center; gap:18px; width:100%; text-align:left;
  padding:24px 26px;
}
.acc-head .acc-ic{ width:46px; height:46px; border-radius:12px; flex:none; background:var(--mint); color:var(--green-dark); display:grid; place-items:center; }
.acc-head .acc-ic svg{ width:23px; height:23px; }
.acc-titles{ flex:1; min-width:0; }
.acc-titles b{ display:block; font-family:'Inter Tight',sans-serif; font-size:1.18rem; font-weight:700; color:var(--ink); letter-spacing:-.01em; }
.acc-titles span{ display:block; font-size:.92rem; color:var(--slate); margin-top:2px; }
.acc-plus{ width:34px; height:34px; flex:none; border-radius:50%; border:1.5px solid var(--line); display:grid; place-items:center; color:var(--blue); transition:.25s var(--ease); }
.acc-plus svg{ width:18px; height:18px; }
.acc-item.open .acc-plus{ background:var(--blue); border-color:var(--blue); color:#fff; transform:rotate(45deg); }
.acc-body{ display:grid; grid-template-rows:0fr; transition:grid-template-rows .3s var(--ease); }
.acc-item.open .acc-body{ grid-template-rows:1fr; }
.acc-body-inner{ overflow:hidden; }
.acc-content{ padding:0 26px 28px 90px; }
.acc-content > p{ color:var(--slate); margin-bottom:18px; }
.acc-grid{ display:grid; grid-template-columns:1.3fr 1fr; gap:26px; }
.acc-content h4{ font-size:.8rem; text-transform:uppercase; letter-spacing:.1em; color:var(--green); margin-bottom:12px; }
.check-list li{ display:flex; gap:11px; align-items:flex-start; padding:6px 0; color:var(--ink); font-size:.97rem; }
.check-list svg{ width:19px; height:19px; flex:none; color:var(--green); margin-top:2px; }
.legal-box{ background:var(--cloud); border:1px solid var(--line); border-left:3px solid var(--blue); border-radius:10px; padding:16px 18px; font-size:.9rem; color:var(--slate); }
.legal-box b{ color:var(--blue); display:block; margin-bottom:5px; font-size:.82rem; text-transform:uppercase; letter-spacing:.08em; }

/* ============================================================
   CALCULETTE
   ============================================================ */
.calc{ background:#fff; border:1px solid var(--line); border-radius:20px; box-shadow:var(--shadow-md); overflow:hidden; }
.calc-grid{ display:grid; grid-template-columns:1fr 1fr; }
.calc-controls{ padding:40px; }
.calc-field{ margin-bottom:28px; }
.calc-field label{ display:flex; justify-content:space-between; font-weight:600; margin-bottom:12px; }
.calc-field label .val{ color:var(--blue); font-family:'Inter Tight',sans-serif; }
.calc-input{ width:100%; padding:14px 16px; border:1.5px solid var(--line); border-radius:11px; font-size:1.05rem; font-family:inherit; color:var(--ink); transition:border-color .15s; }
.calc-input:focus{ outline:none; border-color:var(--blue); }
input[type=range]{ -webkit-appearance:none; appearance:none; width:100%; height:6px; border-radius:6px; background:var(--line); }
input[type=range]::-webkit-slider-thumb{ -webkit-appearance:none; width:24px; height:24px; border-radius:50%; background:var(--blue); border:4px solid #fff; box-shadow:0 2px 8px rgba(24,95,165,.4); cursor:pointer; }
input[type=range]::-moz-range-thumb{ width:18px; height:18px; border-radius:50%; background:var(--blue); border:4px solid #fff; box-shadow:0 2px 8px rgba(24,95,165,.4); cursor:pointer; }
.range-scale{ display:flex; justify-content:space-between; font-size:.78rem; color:var(--slate); margin-top:8px; }
.calc-result{ background:linear-gradient(155deg,var(--blue),var(--blue-darker)); color:#fff; padding:40px; display:flex; flex-direction:column; justify-content:center; }
.calc-result .small{ font-size:.92rem; color:rgba(255,255,255,.78); }
.calc-result .pay{ font-size:1.05rem; margin:6px 0 26px; color:rgba(255,255,255,.95); }
.calc-result .pay b{ font-size:1.7rem; font-family:'Inter Tight',sans-serif; }
.calc-save{ background:rgba(29,158,117,.18); border:1px solid rgba(29,158,117,.4); border-radius:14px; padding:22px; margin-bottom:24px; }
.calc-save .small{ color:#9FE8CF; }
.calc-save .amount{ font-family:'Inter Tight',sans-serif; font-size:2.8rem; font-weight:700; color:#fff; line-height:1; margin:4px 0; }
.calc-save .yr{ color:#9FE8CF; font-weight:600; }

/* ============================================================
   STAT / TIMELINE LÉGAL
   ============================================================ */
.law-timeline{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.law-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:28px; box-shadow:var(--shadow-sm); position:relative; }
.law-card .yr{ font-family:'Inter Tight',sans-serif; font-size:2.4rem; font-weight:700; color:var(--blue); letter-spacing:-.02em; }
.law-card b{ display:block; margin:4px 0 8px; font-size:1.05rem; }
.law-card p{ color:var(--slate); font-size:.93rem; }

/* ============================================================
   AVIS GOOGLE
   ============================================================ */
.reviews-cta{ text-align:center; max-width:640px; margin-inline:auto; }
.stars{ display:inline-flex; gap:4px; color:#FBB400; margin-bottom:18px; }
.stars svg{ width:26px; height:26px; }
.gbadge{ display:inline-flex; align-items:center; gap:10px; }
.gbadge .g{ font-weight:700; font-family:'Inter Tight',sans-serif; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid{ display:grid; grid-template-columns:.85fr 1.15fr; gap:40px; align-items:start; }
.contact-method{ display:flex; gap:18px; padding:24px; background:#fff; border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow-sm); transition:transform .2s, box-shadow .2s; }
.contact-method:hover{ transform:translateY(-3px); box-shadow:var(--shadow-md); }
.contact-method .cm-ic{ width:50px; height:50px; flex:none; border-radius:13px; background:var(--mint); color:var(--green-dark); display:grid; place-items:center; }
.contact-method .cm-ic svg{ width:24px; height:24px; }
.contact-method .small{ font-size:.86rem; color:var(--slate); }
.contact-method .big{ font-family:'Inter Tight',sans-serif; font-size:1.18rem; font-weight:700; color:var(--ink); margin:3px 0; word-break:break-word; }

.form-card{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:38px; box-shadow:var(--shadow-md); }
.field{ margin-bottom:20px; }
.field label{ display:block; font-weight:600; font-size:.92rem; margin-bottom:8px; }
.field .req{ color:var(--green); }
.input, .select, .textarea{
  width:100%; padding:14px 16px; border:1.5px solid var(--line); border-radius:11px;
  font-family:inherit; font-size:1rem; color:var(--ink); background:#fff; transition:border-color .15s, box-shadow .15s;
}
.input:focus,.select:focus,.textarea:focus{ outline:none; border-color:var(--blue); box-shadow:0 0 0 4px rgba(24,95,165,.1); }
.textarea{ min-height:130px; resize:vertical; }
.row-2{ display:grid; grid-template-columns:1fr 1fr; gap:16px; }

/* Upload dropzone */
.dropzone{
  border:2px dashed #C5D2DD; border-radius:14px; padding:30px 24px; text-align:center;
  background:var(--cloud); transition:border-color .2s, background .2s; cursor:pointer;
}
.dropzone:hover{ border-color:var(--blue); background:#fff; }
.dropzone.dragover{ border-color:var(--green); background:#fff; }
.dropzone.has-files{ border-color:var(--green); border-style:solid; background:#fff; }
.dropzone .dz-ic{ width:52px; height:52px; border-radius:50%; background:#fff; box-shadow:var(--shadow-sm); display:grid; place-items:center; margin:0 auto 12px; color:var(--blue); }
.dropzone .dz-ic svg{ width:24px; height:24px; }
.dropzone b{ display:block; font-size:1rem; }
.dropzone .dz-sub{ font-size:.85rem; color:var(--slate); margin-top:4px; }
.dz-dynamic{ font-size:.85rem; color:var(--green-dark); font-weight:600; margin-top:8px; min-height:1.2em; }
.file-list{ margin-top:14px; display:flex; flex-direction:column; gap:8px; }
.file-pill{ display:flex; align-items:center; gap:12px; background:var(--mint); border:1px solid rgba(29,158,117,.25); border-radius:10px; padding:10px 14px; font-size:.9rem; }
.file-pill .fp-ic{ color:var(--green-dark); flex:none; display:grid; }
.file-pill .fp-name{ flex:1; min-width:0; overflow:hidden; text-overflow:ellipsis; white-space:nowrap; font-weight:500; }
.file-pill .fp-size{ color:var(--slate); font-size:.8rem; flex:none; }
.file-pill .fp-del{ width:26px; height:26px; border-radius:50%; display:grid; place-items:center; color:var(--slate); flex:none; transition:.15s; }
.file-pill .fp-del:hover{ background:#fff; color:#D14343; }
.field-note{ font-size:.84rem; color:var(--slate); margin-top:8px; }
.form-foot-note{ text-align:center; font-size:.88rem; color:var(--slate); margin-top:14px; }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band{ background:linear-gradient(135deg,var(--blue),var(--blue-darker)); color:#fff; border-radius:24px; padding:clamp(40px,6vw,64px); text-align:center; position:relative; overflow:hidden; }
.cta-band::before{ content:""; position:absolute; right:-60px; top:-60px; width:280px; height:280px; border-radius:50%; background:radial-gradient(circle,rgba(29,158,117,.4),transparent 70%); }
.cta-band h2{ color:#fff; position:relative; }
.cta-band p{ color:rgba(255,255,255,.85); max-width:54ch; margin:14px auto 28px; position:relative; }
.cta-band .hero-actions{ justify-content:center; position:relative; }

/* "Découvrez aussi" */
.also{ display:grid; grid-template-columns:repeat(4,1fr); gap:16px; }
.also a{ display:flex; align-items:center; gap:12px; padding:18px; background:#fff; border:1px solid var(--line); border-radius:14px; transition:.2s var(--ease); font-weight:600; font-size:.96rem; }
.also a:hover{ border-color:var(--blue); transform:translateY(-3px); box-shadow:var(--shadow-sm); color:var(--blue); }
.also a .ai{ width:40px; height:40px; border-radius:10px; flex:none; background:var(--mint); color:var(--green-dark); display:grid; place-items:center; }
.also a .ai svg{ width:21px; height:21px; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{ background:var(--blue-darker); color:rgba(255,255,255,.72); padding-top:64px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1.1fr 1fr; gap:36px; padding-bottom:48px; }
.footer-grid h4{ color:#fff; font-size:.82rem; text-transform:uppercase; letter-spacing:.1em; margin-bottom:18px; font-family:'Inter',sans-serif; font-weight:700; }
.footer-grid a{ color:rgba(255,255,255,.72); transition:color .15s; }
.footer-grid a:hover{ color:#fff; }
.footer-grid li{ margin-bottom:10px; font-size:.95rem; }
.footer-brand .brand{ color:#fff; margin-bottom:14px; }
.footer-brand .brand .brand-name, .footer-brand .brand .brand-name small{ color:#fff; }
.footer-brand p{ font-size:.95rem; max-width:30ch; }
.footer-contact li{ display:flex; gap:10px; align-items:flex-start; }
.footer-contact svg{ width:17px; height:17px; flex:none; margin-top:4px; color:var(--green); }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.12); padding:22px 0; font-size:.86rem; display:flex; justify-content:space-between; gap:14px; flex-wrap:wrap; }
.footer-bottom .orias{ background:rgba(255,255,255,.08); padding:4px 12px; border-radius:7px; font-size:.82rem; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@media (prefers-reduced-motion:no-preference){
  .reveal{ opacity:0; transform:translateY(22px); transition:opacity .7s var(--ease), transform .7s var(--ease); }
  .reveal.in{ opacity:1; transform:none; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
/* Navigation — bascule en menu hamburger */
@media (max-width:1180px){
  .burger{ display:flex; }
  .nav-links{
    position:fixed; inset:74px 0 auto 0; flex-direction:column; align-items:stretch; gap:2px;
    background:#fff; border-bottom:1px solid var(--line); padding:14px 18px 24px;
    box-shadow:var(--shadow-lg); transform:translateY(-120%); transition:transform .3s var(--ease);
    max-height:calc(100vh - 74px); overflow:auto; margin-left:0;
  }
  .nav-links.open{ transform:translateY(0); }
  .nav-links > li > a{ width:100%; padding:14px 12px; font-size:1.05rem; justify-content:space-between; }
  .nav-links a.active::after{ display:none; }
}
@media (max-width:980px){
  .emprunteur-grid{ grid-template-columns:1fr; gap:34px; }
  .calc-grid{ grid-template-columns:1fr; }
  .contact-grid{ grid-template-columns:1fr; }
  .grid-4{ grid-template-columns:repeat(2,1fr); }
  .law-timeline{ grid-template-columns:1fr; }
  .also{ grid-template-columns:repeat(2,1fr); }
  .footer-grid{ grid-template-columns:1fr 1fr; gap:30px; }
  .acc-content{ padding-left:26px; }
  .acc-grid{ grid-template-columns:1fr; }
}
@media (max-width:760px){
  body{ font-size:16px; }
  .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; }
  .row-2{ grid-template-columns:1fr; }
  .also{ grid-template-columns:1fr; }

  .footer-grid{ grid-template-columns:1fr; }
  .footer-bottom{ flex-direction:column; }
  .hero-inner{ padding-block:96px; }
}