/* ============================================================
     CABINET LO PICCOLO — Gestion privée
     Landing page mono-page · CSS + JS inline · Google Fonts only
     ============================================================ */

  :root {
    --navy:        #0c1a2e;
    --navy-2:      #112441;
    --navy-3:      #16305a;
    --ivory:       #f6f2e9;
    --ivory-2:     #efe9dc;
    --gold:        #b9974f;
    --gold-2:      #cbb079;
    --gold-soft:   rgba(185,151,79,.16);
    --axa-red:     #e2001a;
    --ink:         #0a1422;
    --gray:        #46525f;
    --gray-on-dark:#aab5c4;
    --line-dark:   rgba(203,176,121,.22);
    --line-light:  rgba(12,26,46,.12);

    --maxw: 1200px;
    --serif: "Lora", Georgia, serif;
    --sans: "Manrope", system-ui, -apple-system, sans-serif;

    --ease: cubic-bezier(.22,.61,.36,1);
  }

  * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

  body {
    font-family: var(--sans);
    color: var(--ink);
    background: var(--ivory);
    line-height: 1.65;
    font-weight: 400;
    font-size: 16.5px;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    overflow-x: hidden;
  }

  ::selection { background: var(--gold); color: #fff; }

  /* ---- Grain overlay ---- */
  .grain {
    position: fixed; inset: 0; z-index: 9999; pointer-events: none;
    opacity: .035; mix-blend-mode: multiply;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  }

  /* ---- Layout helpers ---- */
  .wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 32px; }
  section { position: relative; }

  .eyebrow {
    font-size: 12.5px; font-weight: 600; letter-spacing: .26em;
    text-transform: uppercase; color: var(--gold);
    display: inline-flex; align-items: center; gap: 12px;
  }
  .eyebrow::before {
    content: ""; width: 28px; height: 1px; background: var(--gold); opacity: .7;
  }
  .eyebrow.center::before { display: none; }

  h1, h2, h3 { font-family: var(--serif); font-weight: 500; line-height: 1.1; letter-spacing: -.012em;  }
  .accent-it { font-style: italic; color: var(--gold); font-weight: 400; }

  p { text-wrap: pretty; }

  /* ---- Buttons ---- */
  .btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    font-family: var(--sans); font-weight: 600; font-size: 15px; letter-spacing: .01em;
    padding: 16px 28px; border-radius: 2px; cursor: pointer; border: 1px solid transparent;
    text-decoration: none; transition: all .35s var(--ease); white-space: nowrap;
  }
  .btn-gold {
    background: var(--gold); color: #0c1a2e; border-color: var(--gold);
    box-shadow: 0 8px 28px -12px rgba(185,151,79,.7);
  }
  .btn-gold:hover { background: var(--gold-2); border-color: var(--gold-2); transform: translateY(-2px); box-shadow: 0 14px 34px -12px rgba(185,151,79,.8); }
  .btn-outline-light {
    background: transparent; color: var(--ivory); border-color: rgba(246,242,233,.32);
  }
  .btn-outline-light:hover { border-color: var(--gold); color: var(--gold-2); }
  .btn-outline-dark {
    background: transparent; color: var(--ink); border-color: var(--line-light);
  }
  .btn-outline-dark:hover { border-color: var(--gold); color: var(--gold); }
  .btn .arr { transition: transform .35s var(--ease); }
  .btn:hover .arr { transform: translateX(4px); }

  /* ============================================================
     HEADER
     ============================================================ */
  header {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    transition: background .5s var(--ease), border-color .5s var(--ease), backdrop-filter .5s;
    border-bottom: 1px solid transparent;
  }
  header.scrolled {
    background: rgba(10,20,34,.82); backdrop-filter: blur(14px) saturate(140%);
    border-bottom: 1px solid var(--line-dark);
  }
  .nav { display: flex; align-items: center; justify-content: space-between; height: 78px; }
  .brand { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
  .brand .sup { font-size: 10px; letter-spacing: .32em; text-transform: uppercase; color: var(--gold); font-weight: 600; margin-bottom: 5px; }
  .brand .name { font-family: var(--serif); font-size: 21px; color: var(--ivory); letter-spacing: .01em; }
  .brand .name .slash { color: var(--axa-red); }
  .nav-links { display: flex; align-items: center; gap: 34px; }
  .nav-links a {
    color: rgba(246,242,233,.78); text-decoration: none; font-size: 14px; font-weight: 500;
    letter-spacing: .01em; transition: color .3s; position: relative;
  }
  .nav-links a:not(.btn)::after {
    content: ""; position: absolute; left: 0; bottom: -6px; width: 0; height: 1px;
    background: var(--gold); transition: width .35s var(--ease);
  }
  .nav-links a:not(.btn):hover { color: var(--ivory); }
  .nav-links a:not(.btn):hover::after { width: 100%; }
  .nav-cta { padding: 11px 22px; font-size: 13.5px; }
  .nav-phone { color: var(--gold-2) !important; font-weight: 700 !important; }
  .burger { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 8px; }
  .burger span { width: 24px; height: 1.5px; background: var(--ivory); display: block; transition: .3s; }

  /* ============================================================
     HERO
     ============================================================ */
  .hero {
    min-height: 100svh; display: flex; align-items: center; position: relative;
    background:
      radial-gradient(120% 90% at 78% 0%, rgba(22,48,90,.55) 0%, rgba(12,26,46,0) 55%),
      radial-gradient(90% 80% at 12% 100%, rgba(185,151,79,.10) 0%, rgba(12,26,46,0) 50%),
      linear-gradient(155deg, #0c1a2e 0%, #0a1422 55%, #0c1a2e 100%);
    color: var(--ivory); overflow: hidden; padding: 120px 0 56px;
  }
  /* signature diagonal slash (AXA cue) */
  .hero::after {
    content: ""; position: absolute; top: -10%; right: -6%; width: 2px; height: 130%;
    background: linear-gradient(180deg, transparent, var(--axa-red) 35%, var(--axa-red) 65%, transparent);
    transform: rotate(24deg); opacity: .5; transform-origin: top;
  }
  .hero-deco {
    position: absolute; right: -4%; top: 50%; transform: translateY(-50%) rotate(24deg);
    width: 1px; height: 150%; background: linear-gradient(180deg, transparent, var(--line-dark) 30%, var(--line-dark) 70%, transparent);
    pointer-events: none;
  }
  .hero .wrap { position: relative; z-index: 2; }
  .hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
  .hero h1 { font-size: clamp(40px, 5.4vw, 74px); margin: 26px 0 28px; }
  .hero h1 .line { display: block; }
  .hero-sub { font-size: 18px; color: rgba(246,242,233,.82); max-width: 560px; font-weight: 300; line-height: 1.65; }
  .hero-cta { display: flex; gap: 16px; margin-top: 40px; flex-wrap: wrap; }

  .hero-trust {
    margin-top: 56px; padding-top: 30px; border-top: 1px solid var(--line-dark);
    display: flex; gap: 0; max-width: 580px;
  }
  .trust-item { flex: 1; padding-right: 20px; }
  .trust-item + .trust-item { padding-left: 28px; border-left: 1px solid var(--line-dark); }
  .trust-item .v { font-family: var(--serif); font-size: 30px; color: var(--gold-2); line-height: 1; }
  .trust-item .v.ital { font-style: italic; }
  .trust-item .l { font-size: 12.5px; color: var(--gray-on-dark); margin-top: 9px; letter-spacing: .02em; }

  /* hero side card */
  .hero-card {
    border: 1px solid var(--line-dark); background: rgba(255,255,255,.025);
    backdrop-filter: blur(4px); padding: 36px 34px; position: relative;
  }
  .hero-card::before {
    content: ""; position: absolute; top: -1px; left: -1px; width: 46px; height: 46px;
    border-top: 1px solid var(--gold); border-left: 1px solid var(--gold);
  }
  .hero-card::after {
    content: ""; position: absolute; bottom: -1px; right: -1px; width: 46px; height: 46px;
    border-bottom: 1px solid var(--gold); border-right: 1px solid var(--gold);
  }
  .hero-card .k { font-size: 12px; letter-spacing: .22em; text-transform: uppercase; color: var(--gold); font-weight: 600; }
  .hero-card .big { font-family: var(--serif); font-size: 30px; color: var(--ivory); margin: 16px 0 8px; line-height: 1.18; }
  .hero-card .big em { font-style: italic; color: var(--gold-2); }
  .hero-card .sm { font-size: 14px; color: var(--gray-on-dark); line-height: 1.6; }
  .hero-card .div { height: 1px; background: var(--line-dark); margin: 24px 0; }
  .hero-card ul { list-style: none; display: flex; flex-direction: column; gap: 13px; }
  .hero-card li { font-size: 14px; color: rgba(246,242,233,.85); display: flex; gap: 12px; align-items: flex-start; }
  .hero-card li .tick { color: var(--gold); margin-top: 2px; flex-shrink: 0; }

  .scroll-hint {
    position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%);
    font-size: 11px; letter-spacing: .25em; text-transform: uppercase; color: var(--gray-on-dark);
    display: flex; flex-direction: column; align-items: center; gap: 10px; z-index: 2;
  }
  .scroll-hint .bar { width: 1px; height: 38px; background: linear-gradient(var(--gold), transparent); animation: drop 2.4s var(--ease) infinite; }
  @keyframes drop { 0%{transform:scaleY(0);transform-origin:top;} 45%{transform:scaleY(1);transform-origin:top;} 55%{transform:scaleY(1);transform-origin:bottom;} 100%{transform:scaleY(0);transform-origin:bottom;} }
  @media (max-height: 1050px) { .scroll-hint { display: none; } }

  /* ============================================================
     GENERIC SECTION HEADERS
     ============================================================ */
  .sec { padding: 120px 0; }
  .sec-ivory { background: var(--ivory); }
  .sec-ivory-2 { background: var(--ivory-2); }
  .sec-navy { background: var(--navy); color: var(--ivory); }
  .sec-navy.deep {
    background:
      radial-gradient(100% 70% at 50% 0%, rgba(22,48,90,.5), transparent 60%),
      linear-gradient(180deg, #0a1422, #0c1a2e);
  }
  .sec-head { max-width: 760px; margin-bottom: 64px; }
  .sec-head.center { margin-left: auto; margin-right: auto; text-align: center; }
  .sec-head h2 { font-size: clamp(30px, 3.8vw, 46px); margin: 22px 0 0; }
  .sec-head .lead { font-size: 17px; color: var(--gray); margin-top: 20px; line-height: 1.7; }
  .sec-navy .sec-head .lead { color: var(--gray-on-dark); }

  /* ============================================================
     COMPARATIF
     ============================================================ */
  .compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
  .comp-card { padding: 44px 40px; position: relative; border: 1px solid var(--line-light); }
  .comp-card .tag { font-size: 12px; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; }
  .comp-card .country { font-family: var(--serif); font-size: 22px; margin: 10px 0 28px; }
  .comp-card .figure { font-family: var(--serif); font-size: clamp(46px, 6vw, 72px); line-height: 1; letter-spacing: -.02em; }
  .comp-card .fig-sub { font-size: 14px; margin-top: 14px; line-height: 1.55; }
  .comp-card .meta { margin-top: 30px; padding-top: 22px; font-size: 13.5px; line-height: 1.6; }

  .comp-fr { background: #ece8df; color: var(--gray); }
  .comp-fr .tag { color: #9a948a; }
  .comp-fr .country { color: #4a5260; }
  .comp-fr .figure { color: #7c8590; }
  .comp-fr .meta { border-top: 1px solid var(--line-light); color: #8a8378; }

  .comp-lux { background: linear-gradient(160deg, #112441, #0c1a2e); color: var(--ivory); border-color: transparent; overflow: hidden; }
  .comp-lux::before {
    content: ""; position: absolute; top: -40%; right: -30%; width: 70%; height: 180%;
    background: radial-gradient(closest-side, rgba(185,151,79,.16), transparent); transform: rotate(20deg);
  }
  .comp-lux > * { position: relative; }
  .comp-lux .tag { color: var(--gold); }
  .comp-lux .country { color: var(--ivory); }
  .comp-lux .figure { color: var(--gold-2); font-style: italic; }
  .comp-lux .fig-sub { color: rgba(246,242,233,.8); }
  .comp-lux .meta { border-top: 1px solid var(--line-dark); color: var(--gray-on-dark); }
  .comp-vs {
    position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); z-index: 3;
    width: 58px; height: 58px; border-radius: 50%; background: var(--ivory); border: 1px solid var(--gold);
    display: grid; place-items: center; font-family: var(--serif); font-style: italic; font-size: 18px; color: var(--gold);
  }
  .note-transparency {
    margin-top: 28px; display: flex; gap: 14px; align-items: flex-start;
    font-size: 13.5px; color: var(--gray); max-width: 880px; line-height: 1.6;
    padding: 18px 22px; background: rgba(185,151,79,.07); border-left: 2px solid var(--gold);
  }
  .note-transparency .ico { color: var(--gold); flex-shrink: 0; margin-top: 1px; }

  /* ============================================================
     BÉNÉFICES
     ============================================================ */
  .benefits-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 1px solid var(--line-light); border-left: 1px solid var(--line-light); }
  .benefit { padding: 46px 44px; border-right: 1px solid var(--line-light); border-bottom: 1px solid var(--line-light); position: relative; transition: background .4s; }
  .benefit:hover { background: rgba(185,151,79,.05); }
  .benefit .num { font-family: var(--serif); font-style: italic; font-size: 16px; color: var(--gold); }
  .benefit h3 { font-size: 27px; margin: 14px 0 16px; color: var(--ink); }
  .benefit p { font-size: 15px; color: var(--gray); line-height: 1.7; }
  .benefit .hl { color: var(--ink); font-weight: 600; }
  .benefit .term { display: inline-block; font-weight: 600; color: var(--ink); }

  /* ============================================================
     CRÉDIT LOMBARD
     ============================================================ */
  .lombard { background: var(--ivory-2); }
  .lombard-card {
    display: grid; grid-template-columns: 1fr 1.1fr; gap: 0; border: 1px solid var(--line-light);
    background: #fff;
  }
  .lombard-left { padding: 56px 48px; background: linear-gradient(160deg, #112441, #0c1a2e); color: var(--ivory); position: relative; overflow: hidden; }
  .lombard-left::after { content:""; position:absolute; bottom:-30%; left:-20%; width:80%; height:120%; background: radial-gradient(closest-side, rgba(185,151,79,.14), transparent); }
  .lombard-left .eyebrow { color: var(--gold); }
  .lombard-left h3 { font-size: 32px; margin: 22px 0 18px; color: var(--ivory); position: relative; }
  .lombard-left p { color: var(--gray-on-dark); font-size: 15.5px; line-height: 1.7; position: relative; }
  .lombard-right { padding: 56px 48px; display: flex; flex-direction: column; justify-content: center; }
  .lombard-right ul { list-style: none; display: flex; flex-direction: column; gap: 22px; }
  .lombard-right li { display: flex; gap: 16px; align-items: flex-start; }
  .lombard-right li .b { width: 7px; height: 7px; background: var(--gold); margin-top: 8px; flex-shrink: 0; transform: rotate(45deg); }
  .lombard-right li strong { display: block; font-size: 16px; color: var(--ink); font-weight: 600; margin-bottom: 3px; }
  .lombard-right li span { font-size: 14.5px; color: var(--gray); }
  .risk-flag {
    margin-top: 30px; font-size: 13px; color: var(--gray); line-height: 1.6;
    padding: 14px 18px; border: 1px dashed var(--line-light); display: flex; gap: 12px;
  }
  .risk-flag .ico { color: var(--axa-red); flex-shrink: 0; }

  /* ============================================================
     SOLIDITÉ AXA
     ============================================================ */
  .stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; border-top: 1px solid var(--line-dark); margin-bottom: 56px; }
  .stat { padding: 36px 28px 36px 0; border-bottom: 1px solid var(--line-dark); }
  .stat .v { font-family: var(--serif); font-size: clamp(36px,4vw,52px); color: var(--gold-2); line-height: 1; letter-spacing: -.01em; }
  .stat .v em { font-style: italic; }
  .stat .l { font-size: 13.5px; color: var(--gray-on-dark); margin-top: 14px; line-height: 1.5; }
  .ratings { display: flex; gap: 0; flex-wrap: wrap; margin-bottom: 64px; border: 1px solid var(--line-dark); }
  .rating { flex: 1; min-width: 180px; padding: 26px 30px; border-right: 1px solid var(--line-dark); }
  .rating:last-child { border-right: none; }
  .rating .agc { font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: var(--gray-on-dark); }
  .rating .note { font-family: var(--serif); font-size: 28px; color: var(--ivory); margin: 8px 0 4px; }
  .rating .persp { font-size: 12.5px; color: var(--gold); }

  .cobrand {
    display: grid; grid-template-columns: 1fr auto 1fr; gap: 40px; align-items: center;
    padding: 44px 48px; border: 1px solid var(--line-dark); background: rgba(255,255,255,.02); margin-bottom: 64px;
  }
  .cobrand .side { text-align: center; }
  .cobrand .side .role { font-size: 12px; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); margin-bottom: 12px; }
  .cobrand .side .who { font-family: var(--serif); font-size: 24px; color: var(--ivory); }
  .cobrand .side .who .slash { color: var(--axa-red); }
  .cobrand .side .desc { font-size: 13.5px; color: var(--gray-on-dark); margin-top: 8px; }
  .cobrand .x { font-family: var(--serif); font-style: italic; font-size: 30px; color: var(--gold); }

  .houses-head { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--gray-on-dark); text-align: center; margin-bottom: 26px; }
  .houses { display: flex; flex-wrap: wrap; justify-content: center; gap: 0; border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
  .house {
    font-family: var(--serif); font-size: 19px; color: rgba(246,242,233,.72);
    padding: 22px 30px; border-right: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark);
    flex: 1 1 auto; text-align: center; min-width: 160px; transition: color .3s, background .3s;
  }
  .house:hover { color: var(--gold-2); background: rgba(185,151,79,.05); }
  .houses-more { font-style: italic; color: var(--gold); }
  .houses-disclaimer {
    max-width: 880px; margin: 18px auto 0; text-align: center;
    color: var(--gray-on-dark); font-size: 12px; line-height: 1.6;
  }

  /* ============================================================
     TRANSPARENCE
     ============================================================ */
  .truth-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
  .truth {
    padding: 40px 34px; border: 1px solid var(--line-dark); background: rgba(255,255,255,.02);
    position: relative; transition: transform .4s var(--ease), border-color .4s;
  }
  .truth:hover { transform: translateY(-4px); border-color: rgba(203,176,121,.4); }
  .truth .n { font-family: var(--serif); font-style: italic; font-size: 16px; color: var(--gold); }
  .truth h3 { font-size: 22px; margin: 16px 0 14px; color: var(--ivory); }
  .truth p { font-size: 14.5px; color: var(--gray-on-dark); line-height: 1.7; }

  /* ============================================================
     APPROCHE
     ============================================================ */
  .approche-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 72px; align-items: start; }
  .approche-points { display: flex; flex-direction: column; gap: 0; }
  .ap-point { padding: 30px 0; border-bottom: 1px solid var(--line-light); display: grid; grid-template-columns: 56px 1fr; gap: 8px; }
  .ap-point:first-child { padding-top: 0; }
  .ap-point .api { font-family: var(--serif); font-style: italic; font-size: 22px; color: var(--gold); }
  .ap-point h3 { font-size: 21px; color: var(--ink); margin-bottom: 8px; }
  .ap-point p { font-size: 14.5px; color: var(--gray); line-height: 1.65; }
  .quote {
    border-left: 2px solid var(--gold); padding: 6px 0 6px 30px; margin-top: 8px;
  }
  .quote .q { font-family: var(--serif); font-style: italic; font-size: 26px; line-height: 1.4; color: var(--ink); }
  .quote .qa { font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-top: 20px; }

  /* ============================================================
     PROCESSUS
     ============================================================ */
  .steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; counter-reset: step; }
  .step { padding: 0 28px 0 0; position: relative; }
  .step + .step { padding-left: 28px; }
  .step .line { height: 1px; background: var(--line-light); margin-bottom: 26px; position: relative; }
  .step .line::before { content:""; position:absolute; left:0; top:-3px; width:7px; height:7px; background: var(--gold); border-radius:50%; }
  .step .sn { font-family: var(--serif); font-style: italic; font-size: 15px; color: var(--gold); }
  .step h3 { font-size: 20px; color: var(--ink); margin: 12px 0 12px; }
  .step p { font-size: 14px; color: var(--gray); line-height: 1.65; }

  /* ============================================================
     EXPERT
     ============================================================ */
  .expert-grid { display: grid; grid-template-columns: auto 1fr; gap: 72px; align-items: center; }
  .photo-figure { position: relative; width: 290px; }
  .photo-slot {
    width: 290px; aspect-ratio: 4/5; position: relative; overflow: hidden;
    border: 1px solid var(--line-dark);
  }
  .photo-slot img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; filter: saturate(.96) contrast(1.02); }
  .photo-figure::before { content:""; position:absolute; top:-12px; left:-12px; width: 54px; height: 54px; border-top: 1px solid var(--gold); border-left: 1px solid var(--gold); }
  .photo-figure::after { content:""; position:absolute; bottom:-12px; right:-12px; width: 54px; height: 54px; border-bottom: 1px solid var(--gold); border-right: 1px solid var(--gold); }
  .photo-cap { margin-top: 26px; }
  .photo-cap .nm { font-family: var(--serif); font-size: 22px; color: var(--ivory); }
  .photo-cap .rl { font-size: 12.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-top: 7px; }
  .expert-text h2 { font-size: clamp(28px,3.4vw,42px); margin: 22px 0 24px; }
  .expert-text p { font-size: 16px; color: var(--gray-on-dark); line-height: 1.75; margin-bottom: 18px; }
  .expert-text p .hl { color: var(--ivory); }
  .chips { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
  .chip {
    font-size: 12.5px; letter-spacing: .04em; color: var(--gold-2); padding: 9px 18px;
    border: 1px solid var(--line-dark); border-radius: 2px; background: rgba(185,151,79,.06);
  }

  /* ============================================================
     TÉMOIGNAGE CLIENT
     ============================================================ */
  .testimonial-sec { background: var(--ivory-2); }
  .testimonial-card {
    position: relative;
    max-width: 900px;
    margin: 0 auto;
    padding: 54px 64px;
    border: 1px solid var(--line-light);
    background: rgba(255,255,255,.62);
    box-shadow: 0 28px 70px -52px rgba(12,26,46,.55);
  }
  .testimonial-mark {
    position: absolute;
    top: 16px;
    left: 26px;
    color: var(--gold);
    font-family: var(--serif);
    font-size: 74px;
    line-height: 1;
    opacity: .55;
  }
  .testimonial-card blockquote {
    font-family: var(--serif);
    font-size: clamp(23px,3vw,34px);
    line-height: 1.38;
    color: var(--navy);
    text-align: center;
  }
  .testimonial-author { margin-top: 28px; text-align: center; }
  .testimonial-author strong { display: block; color: var(--ink); font-size: 15px; }
  .testimonial-author span { display: block; margin-top: 5px; color: var(--gray); font-size: 12px; }

  /* ============================================================
     FAQ
     ============================================================ */
  .faq-list { max-width: 900px; margin: 0 auto; border-top: 1px solid var(--line-light); }
  .faq-item { border-bottom: 1px solid var(--line-light); }
  .faq-item summary {
    position: relative; padding: 24px 52px 24px 0; cursor: pointer;
    color: var(--ink); font-family: var(--serif); font-size: 21px; line-height: 1.35;
    list-style: none;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after {
    content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
    color: var(--gold); font-family: var(--sans); font-size: 26px; font-weight: 300;
  }
  .faq-item[open] summary::after { content: "−"; }
  .faq-item p {
    max-width: 780px; padding: 0 52px 24px 0;
    color: var(--gray); font-size: 15px; line-height: 1.75;
  }

  /* ============================================================
     FORMULAIRE / CTA
     ============================================================ */
  .form-sec { background: var(--ivory); }
  .form-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 64px; align-items: start; }
  .form-intro .eyebrow { color: var(--gold); }
  .form-intro h2 { font-size: clamp(30px,3.6vw,46px); margin: 22px 0 24px; }
  .form-intro .lead { font-size: 16.5px; color: var(--gray); line-height: 1.7; margin-bottom: 34px; }
  .reassure { list-style: none; display: flex; flex-direction: column; gap: 18px; }
  .reassure li { display: flex; gap: 14px; align-items: flex-start; font-size: 15px; color: var(--ink); }
  .reassure li .ico { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
  .reassure li strong { font-weight: 600; }
  .reassure li span { color: var(--gray); font-weight: 400; }

  .form-card { background: #fff; border: 1px solid var(--line-light); padding: 40px 38px; box-shadow: 0 30px 60px -40px rgba(12,26,46,.4); position: relative; }
  .form-grid > *, .field > *, .field.row2 > * { min-width: 0; }
  .form-card::before { content:""; position:absolute; top:0; left:0; width:100%; height:3px; background: linear-gradient(90deg, var(--gold), var(--gold-2)); }
  .field { margin-bottom: 20px; }
  .field.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  label { display: block; font-size: 13px; font-weight: 600; color: var(--ink); margin-bottom: 8px; letter-spacing: .01em; }
  label .req { color: var(--axa-red); }
  input, select, textarea {
    width: 100%; font-family: var(--sans); font-size: 15px; color: var(--ink);
    padding: 13px 15px; border: 1px solid var(--line-light); border-radius: 2px; background: #fdfcf9;
    transition: border-color .3s, box-shadow .3s;
  }
  input::placeholder, textarea::placeholder { color: #a8aeb6; }
  input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-soft); }
  textarea { resize: vertical; min-height: 88px; }
  select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23b9974f' stroke-width='1.5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 15px center; padding-right: 40px; }

  .consent { display: flex; gap: 12px; align-items: flex-start; margin: 6px 0 24px; }
  .consent input { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; accent-color: var(--gold); cursor: pointer; }
  .consent label { font-size: 12.5px; font-weight: 400; color: var(--gray); line-height: 1.5; margin: 0; cursor: pointer; }
  .form-card .btn-submit { width: 100%; padding: 17px; font-size: 15.5px; }
  .form-foot { text-align: center; font-size: 12px; color: var(--gray); margin-top: 18px; line-height: 1.5; }
  .field-help { margin-top: 7px; color: var(--gray); font-size: 11.5px; line-height: 1.45; }
  .booking-choice {
    margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line-light);
    color: var(--gray); font-size: 12.5px; line-height: 1.55; text-align: center;
  }
  .booking-choice a, .step a { color: var(--navy-3); font-weight: 700; text-underline-offset: 3px; }

  .form-error { color: var(--axa-red); font-size: 12.5px; margin-top: 6px; display: none; }
  .field.invalid input, .field.invalid select { border-color: var(--axa-red); }
  .field.invalid .form-error { display: block; }

  .form-success { display: none; text-align: center; padding: 30px 10px; }
  .form-success.show { display: block; }
  .form-success .check { width: 64px; height: 64px; border-radius: 50%; border: 1px solid var(--gold); display: grid; place-items: center; margin: 0 auto 24px; color: var(--gold); }
  .form-success h3 { font-size: 28px; color: var(--ink); margin-bottom: 14px; }
  .form-success p { font-size: 15px; color: var(--gray); line-height: 1.65; }
  .form-success .success-booking { display: inline-flex; margin-top: 24px; }

  /* ============================================================
     FOOTER
     ============================================================ */
  footer { background: var(--ink); color: var(--gray-on-dark); padding: 72px 0 40px; }
  .foot-top { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 38px; padding-bottom: 44px; border-bottom: 1px solid var(--line-dark); }
  .foot-brand .name { font-family: var(--serif); font-size: 24px; color: var(--ivory); margin-bottom: 6px; }
  .foot-brand .name .slash { color: var(--axa-red); }
  .foot-brand .sup { font-size: 10px; letter-spacing: .3em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
  .foot-brand p { font-size: 14px; line-height: 1.7; max-width: 340px; }
  .foot-col h4 { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--ivory); margin-bottom: 18px; font-family: var(--sans); font-weight: 600; }
  .foot-col a, .foot-col p { display: block; font-size: 14px; color: var(--gray-on-dark); text-decoration: none; margin-bottom: 12px; transition: color .3s; line-height: 1.5; }
  .foot-col a:hover { color: var(--gold-2); }
  .legal { padding-top: 36px; font-size: 11.5px; line-height: 1.75; color: #5a6878; }
  .legal .mentions { margin-bottom: 16px; color: #6b7888; }
  .legal strong { color: #8694a4; font-weight: 600; }
  .copyright { margin-top: 28px; padding-top: 24px; border-top: 1px solid rgba(203,176,121,.1); font-size: 12px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }

  /* ============================================================
     TRIANGLE DE SÉCURITÉ
     ============================================================ */
  .triangle-wrap {
    position: relative; width: 100%; max-width: 640px; margin: 0 auto 64px;
    aspect-ratio: 64 / 53; font-size: clamp(9.5px, 1.7vw, 13px);
  }
  .tri-lines { position: absolute; inset: 0; width: 100%; height: 100%; overflow: visible; }
  .tri-node { position: absolute; transform: translate(-50%, -50%); z-index: 2; }
  .tri-node .badge {
    width: 4.9em; height: 4.9em; border-radius: 50%; border: 1px solid var(--gold);
    background: #0c1a2e; display: grid; place-items: center; margin: 0 auto; color: var(--gold);
    box-shadow: 0 0 0 .6em #0c1a2e, 0 0 2.4em -.6em rgba(185,151,79,.6);
  }
  .tri-node .badge svg { width: 2.1em; height: 2.1em; }
  .tri-node .txt { position: absolute; top: 100%; left: 50%; transform: translateX(-50%); margin-top: .9em; width: 13.6em; text-align: center; }
  .tri-node .tt { font-family: var(--serif); font-size: 1.32em; color: var(--ivory); line-height: 1.18; }
  .tri-node .ss { font-size: .92em; color: var(--gray-on-dark); margin-top: .5em; line-height: 1.4; }
  .tri-node.caa  { left: 50%;   top: 13.5%; }
  .tri-node.axa  { left: 18.4%; top: 69.2%; }
  .tri-node.bank { left: 81.6%; top: 69.2%; }
  .tri-node.caa .txt { top: auto; bottom: 100%; margin: 0 0 .8em; }
  .tri-edge {
    position: absolute; transform: translate(-50%, -50%); z-index: 3;
    font-size: .82em; letter-spacing: .2em; text-transform: uppercase; color: var(--gold);
    background: #0c1a2e; padding: .45em 1em; border: 1px solid var(--line-dark); white-space: nowrap;
  }
  .tri-edge.l { left: 34.2%; top: 41.3%; }
  .tri-edge.r { left: 65.8%; top: 41.3%; }
  .tri-edge.b { left: 50%;   top: 69.2%; }
  .tri-core { position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%); z-index: 2; text-align: center; width: 11em; }
  .tri-core .sh { color: var(--gold); }
  .tri-core .sh svg { width: 2.4em; height: 2.4em; }
  .tri-core .lbl { font-size: .86em; letter-spacing: .14em; text-transform: uppercase; color: rgba(246,242,233,.7); margin-top: .5em; line-height: 1.4; }

  .tri-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 880px; margin: 0 auto; }
  .tri-card { border: 1px solid var(--line-dark); background: rgba(255,255,255,.02); padding: 32px 30px; }
  .tri-card .ci { color: var(--gold); margin-bottom: 16px; display: block; }
  .tri-card h3 { font-size: 21px; color: var(--ivory); margin-bottom: 12px; }
  .tri-card p { font-size: 14.5px; color: var(--gray-on-dark); line-height: 1.65; }
  .tri-card strong { color: var(--ivory); font-weight: 600; }

  @media (max-width: 600px) {
    .triangle-wrap { aspect-ratio: 50 / 60; font-size: 11px; }
    .tri-node .txt { width: 11em; }
    .tri-cards { grid-template-columns: 1fr; }
  }

  /* ============================================================
     SCROLL REVEAL
     ============================================================ */
  .reveal { opacity: 1; transform: none; transition: opacity .9s var(--ease), transform .9s var(--ease); }
  .reveal.in { opacity: 1; transform: none; }
  .reveal.d1 { transition-delay: .08s; }
  .reveal.d2 { transition-delay: .16s; }
  .reveal.d3 { transition-delay: .24s; }
  .reveal.d4 { transition-delay: .32s; }
  @media (prefers-reduced-motion: reduce) { .reveal { opacity:1 !important; transform:none !important; } .scroll-hint .bar { animation:none; } }

  /* ============================================================
     RESPONSIVE
     ============================================================ */
  .mobile-menu { display: none; }

  @media (max-width: 980px) {
    .hero-grid { grid-template-columns: 1fr; gap: 48px; }
    .hero-card { display: none; }
    .approche-grid, .form-grid, .lombard-card { grid-template-columns: 1fr; }
    .expert-grid { grid-template-columns: 1fr; gap: 40px; }
    .cobrand { grid-template-columns: 1fr; gap: 24px; }
    .cobrand .x { transform: rotate(90deg); }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .steps { grid-template-columns: 1fr 1fr; gap: 36px 0; }
  }
  @media (max-width: 1080px) {
    .nav-links {
      position: fixed; top: 78px; left: 0; right: 0; background: rgba(10,20,34,.97); backdrop-filter: blur(16px);
      flex-direction: column; align-items: stretch; gap: 0; padding: 12px 22px 28px; transform: translateY(-130%);
      transition: transform .45s var(--ease); border-bottom: 1px solid var(--line-dark); z-index: 999;
    }
    .nav-links.open { transform: translateY(0); }
    .nav-links a:not(.btn) { padding: 16px 0; border-bottom: 1px solid var(--line-dark); }
    .nav-links a:not(.btn)::after { display: none; }
    .nav-links .nav-cta { margin-top: 16px; text-align: center; }
    .burger { display: flex; }
  }
  @media (max-width: 860px) {
    .wrap { padding: 0 22px; }
    .sec { padding: 86px 0; }
    .nav-links { 
      position: fixed; top: 78px; left: 0; right: 0; background: rgba(10,20,34,.97); backdrop-filter: blur(16px);
      flex-direction: column; align-items: stretch; gap: 0; padding: 12px 22px 28px; transform: translateY(-130%);
      transition: transform .45s var(--ease); border-bottom: 1px solid var(--line-dark); z-index: 999;
    }
    .nav-links.open { transform: translateY(0); }
    .nav-links a:not(.btn) { padding: 16px 0; border-bottom: 1px solid var(--line-dark); }
    .nav-links a:not(.btn)::after { display: none; }
    .nav-links .nav-cta { margin-top: 16px; text-align: center; }
    .burger { display: flex; }
    .compare-grid, .benefits-grid, .truth-grid { grid-template-columns: 1fr; }
    .comp-vs { display: none; }
    .benefits-grid { border-left: none; border-top: none; }
    .benefit { border-left: 1px solid var(--line-light); }
    .lombard-left, .lombard-right, .comp-card, .form-card { padding: 38px 28px; }
    .ratings .rating { flex: 1 1 50%; border-bottom: 1px solid var(--line-dark); }
    .foot-top { grid-template-columns: 1fr; gap: 36px; }
    .hero-trust { flex-wrap: wrap; }
  }
  @media (max-width: 560px) {
    .stats-grid, .steps { grid-template-columns: 1fr; }
    .field.row2 { grid-template-columns: 1fr; }
    .hero-cta .btn { width: 100%; }
    .trust-item + .trust-item { padding-left: 16px; }
    .hero { min-height: auto; padding: 104px 0 38px; }
    .hero h1 { font-size: clamp(37px, 11vw, 48px); margin: 18px 0 18px; }
    .hero-sub { font-size: 16px; line-height: 1.52; }
    .hero-cta { margin-top: 24px; }
    .hero-trust { margin-top: 28px; padding-top: 20px; }
    .trust-item .v { font-size: 22px; }
    .trust-item .l { font-size: 11px; line-height: 1.35; }
    .scroll-hint { display: none; }
    .testimonial-card { padding: 44px 24px 34px; }
  }

  /* ============================================================
     NAVIGATION COMMUNE — menu Solutions
     ============================================================ */
  .nav-item { position: relative; }
  .nav-item > a.has-sub { display: inline-flex; align-items: center; gap: 7px; }
  .nav-item > a.has-sub .car { width: 9px; height: 9px; transition: transform .3s; }
  .nav-item:hover > a.has-sub .car, .nav-item:focus-within > a.has-sub .car { transform: rotate(180deg); }
  .nav-sub {
    position: absolute; top: calc(100% + 16px); left: -22px; min-width: 330px;
    background: rgba(10,20,34,.97); border: 1px solid var(--line-dark); padding: 10px 0;
    opacity: 0; visibility: hidden; transform: translateY(8px); transition: .3s var(--ease);
    backdrop-filter: blur(14px); z-index: 1001;
  }
  .nav-sub::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
  .nav-item:hover .nav-sub, .nav-item:focus-within .nav-sub { opacity: 1; visibility: visible; transform: none; }
  .nav-sub a { display: block !important; padding: 12px 22px !important; font-size: 14px !important; color: rgba(246,242,233,.85) !important; border-bottom: 0 !important; }
  .nav-sub a small { display: block; font-size: 11.5px; color: var(--gray-on-dark); margin-top: 3px; font-weight: 400; }
  .nav-sub a:hover { background: rgba(185,151,79,.08); color: var(--ivory) !important; }
  .nav-sub a::after { display: none !important; }
  .nav-links a.active { color: var(--gold-2); }
  .nav-links a.active::after { width: 100%; }
  @media (max-width: 1080px) {
    .nav-item { display: block; }
    .nav-item > a.has-sub { display: flex; justify-content: space-between; padding: 16px 0; border-bottom: 1px solid var(--line-dark); }
    .nav-sub { position: static; opacity: 1; visibility: visible; transform: none; background: none; border: 0; padding: 0 0 0 18px; min-width: 0; backdrop-filter: none; }
    .nav-sub a { padding: 13px 0 !important; border-bottom: 1px solid var(--line-dark) !important; }
    .nav-sub a small { display: none; }
  }

  /* ============================================================
     ACCUEIL — cartes solutions & diagnostics
     ============================================================ */
  .hero.hero-home { min-height: auto; padding: 150px 0 96px; }
  .hero-home .hero-grid { grid-template-columns: 1.2fr .8fr; }
  .sol-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
  .sol-card {
    display: flex; flex-direction: column; min-height: 340px; padding: 40px 38px; position: relative;
    border: 1px solid var(--line-light); background: #fff; text-decoration: none; color: var(--ink);
    transition: transform .4s var(--ease), border-color .4s, box-shadow .4s;
  }
  .sol-card:hover { transform: translateY(-5px); border-color: var(--gold); box-shadow: 0 30px 60px -40px rgba(12,26,46,.45); }
  .sol-card .num { font-family: var(--serif); font-style: italic; color: var(--gold); font-size: 16px; }
  .sol-card .tag { position: absolute; top: 24px; right: 24px; font-size: 10.5px; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); font-weight: 600; }
  .sol-card h3 { font-size: 30px; margin: 16px 0 14px; }
  .sol-card p { font-size: 15px; color: var(--gray); line-height: 1.7; }
  .sol-card ul { list-style: none; margin: 18px 0 0; display: flex; flex-direction: column; gap: 8px; }
  .sol-card li { font-size: 13.5px; display: flex; gap: 10px; align-items: flex-start; }
  .sol-card li::before { content: "/"; color: var(--gold); font-weight: 600; }
  .sol-card .sol-foot { margin-top: auto; padding-top: 26px; display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
  .sol-card .sol-cta { font-weight: 600; color: var(--navy-3); font-size: 14px; }
  .sol-card .sol-diag { font-size: 12.5px; color: var(--gray); text-decoration: underline; text-underline-offset: 3px; }
  .sol-card .sol-diag:hover { color: var(--gold); }
  .sol-card.dark { background: linear-gradient(160deg, #112441, #0c1a2e); color: var(--ivory); border-color: transparent; }
  .sol-card.dark h3 { color: var(--ivory); }
  .sol-card.dark p { color: var(--gray-on-dark); }
  .sol-card.dark li { color: rgba(246,242,233,.85); }
  .sol-card.dark .sol-cta { color: var(--gold-2); }
  .sol-card.dark .sol-diag { color: var(--gray-on-dark); }

  .diag-grid { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--line-dark); border-left: 1px solid var(--line-dark); }
  .diag {
    padding: 34px 30px; border-right: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark);
    text-decoration: none; color: var(--ivory); display: flex; flex-direction: column; transition: background .3s;
  }
  .diag:hover { background: rgba(185,151,79,.07); }
  .diag .dk { font-size: 11px; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); font-weight: 600; }
  .diag h3 { font-size: 22px; margin: 14px 0 10px; color: var(--ivory); }
  .diag p { font-size: 14px; color: var(--gray-on-dark); line-height: 1.6; }
  .diag .dt { margin-top: auto; padding-top: 22px; font-size: 13px; color: var(--gold-2); font-weight: 600; }

  /* ============================================================
     PAGES SOLUTION — blocs complémentaires
     ============================================================ */
  .path-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
  .path { padding: 44px 40px; border: 1px solid var(--line-light); background: #fff; display: flex; flex-direction: column; }
  .path .tag { font-size: 12px; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; color: var(--gold); }
  .path h3 { font-size: 28px; margin: 12px 0 14px; color: var(--ink); }
  .path > p { font-size: 15px; color: var(--gray); line-height: 1.7; margin-bottom: 22px; }
  .path ul { list-style: none; display: flex; flex-direction: column; gap: 16px; }
  .path li { display: flex; gap: 14px; align-items: flex-start; }
  .path li .b { width: 7px; height: 7px; background: var(--gold); margin-top: 8px; flex-shrink: 0; transform: rotate(45deg); }
  .path li strong { display: block; font-size: 15.5px; color: var(--ink); font-weight: 600; margin-bottom: 2px; }
  .path li span { font-size: 14px; color: var(--gray); line-height: 1.6; }
  .path .path-foot { margin-top: auto; padding-top: 28px; }
  .path.dark { background: linear-gradient(160deg, #112441, #0c1a2e); color: var(--ivory); border-color: transparent; }
  .path.dark h3, .path.dark li strong { color: var(--ivory); }
  .path.dark > p, .path.dark li span { color: var(--gray-on-dark); }
  .sec-navy .path { background: rgba(255,255,255,.02); border-color: var(--line-dark); }
  .sec-navy .path h3, .sec-navy .path li strong { color: var(--ivory); }
  .sec-navy .path > p, .sec-navy .path li span { color: var(--gray-on-dark); }

  .tbl-wrap { overflow-x: auto; border: 1px solid var(--line-light); background: #fff; }
  .tbl { width: 100%; border-collapse: collapse; font-size: 14.5px; }
  .tbl th { background: var(--navy); color: var(--ivory); text-align: left; padding: 16px 20px; font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; font-weight: 600; }
  .tbl td { padding: 17px 20px; border-bottom: 1px solid var(--line-light); color: var(--gray); vertical-align: top; line-height: 1.6; }
  .tbl tr:last-child td { border-bottom: 0; }
  .tbl td:first-child { color: var(--ink); font-weight: 600; min-width: 180px; }
  .tbl td strong { color: var(--ink); font-weight: 600; }
  .sec-navy .tbl-wrap { background: rgba(255,255,255,.02); border-color: var(--line-dark); }
  .sec-navy .tbl td { color: var(--gray-on-dark); border-color: var(--line-dark); }
  .sec-navy .tbl td:first-child, .sec-navy .tbl td strong { color: var(--ivory); }
  .tbl-note { font-size: 12.5px; color: var(--gray); margin-top: 16px; line-height: 1.6; max-width: 880px; }
  .sec-navy .tbl-note { color: var(--gray-on-dark); }

  .cta-tool { background: var(--ivory-2); }
  .cta-tool .lombard-left h3 { font-size: 30px; }
  .cta-tool .lombard-right .btn { align-self: flex-start; margin-top: 8px; }
  .cta-tool .lombard-right p { font-size: 15px; color: var(--gray); line-height: 1.7; margin-bottom: 22px; }

  .sec-head .lead a, .benefit p a, .truth p a, .path li span a { color: inherit; text-decoration: underline; text-underline-offset: 3px; }
  .benefit p a { color: var(--navy-3); }

  @media (max-width: 980px) { .hero-home .hero-grid { grid-template-columns: 1fr; } }
  @media (max-width: 860px) {
    .sol-grid, .path-grid { grid-template-columns: 1fr; }
    .diag-grid { grid-template-columns: 1fr 1fr; }
    .sol-card, .path { padding: 34px 26px; }
    .hero.hero-home { padding: 120px 0 64px; }
  }
  @media (max-width: 560px) { .diag-grid { grid-template-columns: 1fr; } }

  /* ---- Section guides (repris de editorial.css) ---- */
.home-guides{padding:100px 0;background:#f7f3ea}.home-guides-head{max-width:750px;margin-bottom:44px}.home-guides-head h2{font-family:var(--serif);font-size:clamp(36px,4.5vw,54px);font-weight:400;line-height:1.08;margin:18px 0}.home-guides-head p{color:var(--muted);font-size:17px}.home-guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.home-guide-card{background:#fffdf8;border:1px solid var(--line);padding:26px 24px;text-decoration:none;min-height:220px;display:flex;flex-direction:column;transition:.25s}.home-guide-card:hover{transform:translateY(-4px);border-color:var(--gold)}.home-guide-card small{color:#8b7136;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.12em}.home-guide-card h3{font-size:24px;margin:18px 0 12px}.home-guide-card p{color:var(--muted);font-size:14px;margin:0 0 20px}.home-guide-card span{margin-top:auto;color:#8b7136;font-weight:700;font-size:13px}
  @media(max-width:900px){.home-guide-grid{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:600px){.home-guide-grid{grid-template-columns:1fr}.home-guides{padding:70px 0}}
  @media (max-width: 1080px) { .nav-links { background: #0a1422; } }

  /* ============================================================
     LISIBILITÉ — Manrope, corps plus grand, contraste
     ============================================================ */
  .benefit p, .truth p, .tri-card p, .step p, .ap-point p, .sol-card p, .diag p, .path li span,
  .lombard-right li span, .comp-card .fig-sub, .hero-card li, .faq-item p, .expert-text p, .reassure li,
  .lombard-left p, .cta-tool .lombard-right p, .path > p, .comp-card .meta, .home-guide-card p { font-size: 15.5px; line-height: 1.7; }
  .hero-sub { font-size: 19px; line-height: 1.6; }
  .sec-head .lead, .form-intro .lead { font-size: 18px; line-height: 1.7; }
  .tbl { font-size: 15px; }
  .faq-item summary { font-weight: 500; }
  .hero-card .sm, .note-transparency, .tbl-note, .risk-flag { font-size: 14.5px; }
  .eyebrow { font-weight: 700; letter-spacing: .22em; }
  .btn { font-weight: 700; }
  .nav-links a { font-size: 14.5px; font-weight: 600; }
  label { font-size: 13.5px; }
  .foot-col a, .foot-col p, .foot-brand p { font-size: 14.5px; }
  .legal { font-size: 12.5px; color: #6b7889; }
  .legal .mentions { color: #7d8a9a; }
  @media (max-width: 560px) { body { font-size: 16px; } .hero-sub { font-size: 17px; } }

  /* ============================================================
     MOUVEMENT — reveal, tracés, compteurs, lueur (site-motion.js)
     ============================================================ */
  html.js .reveal { opacity: 0; transform: translateY(22px); }
  html.js .reveal.in { opacity: 1; transform: none; }
  html.js .reveal .eyebrow::before { transform: scaleX(0); transform-origin: left; transition: transform .9s var(--ease) .25s; }
  html.js .reveal.in .eyebrow::before { transform: scaleX(1); }
  html.js.reduced-motion .reveal, html.js.reduced-motion .reveal .eyebrow::before { opacity: 1; transform: none; transition: none; }

  .hero-card { transition: transform .1s linear; will-change: transform; }
  .hero-deco { will-change: transform; }

  /* Lueur qui suit le curseur */
  .glow { position: relative; overflow: hidden; }
  .glow::before {
    content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0; z-index: 0;
    background: radial-gradient(260px circle at var(--mx, 50%) var(--my, 50%), rgba(185,151,79,.16), transparent 60%);
    transition: opacity .5s var(--ease);
  }
  .glow:hover::before { opacity: 1; }
  .glow > * { position: relative; z-index: 1; }

  /* Boutons : reflet au survol */
  .btn-gold { position: relative; overflow: hidden; }
  .btn-gold::after {
    content: ""; position: absolute; top: 0; left: -60%; width: 40%; height: 100%;
    background: linear-gradient(100deg, transparent, rgba(255,255,255,.35), transparent);
    transform: skewX(-18deg); transition: left .7s var(--ease); pointer-events: none;
  }
  .btn-gold:hover::after { left: 130%; }

  /* Cartes solutions : filet or qui se déploie */
  .sol-card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-2)); transform: scaleX(0); transform-origin: left; transition: transform .6s var(--ease); z-index: 2; }
  .sol-card:hover::after { transform: scaleX(1); }

  /* ============================================================
     FIGURES SVG
     ============================================================ */
  .fig { margin: 56px 0 0; }
  .fig svg { width: 100%; height: auto; display: block; overflow: visible; }
  .fig text { font-family: var(--sans); }
  .fig .t-serif { font-family: var(--serif); }
  .fig-head { display: flex; justify-content: space-between; align-items: baseline; gap: 20px; flex-wrap: wrap; margin-bottom: 18px; }
  .fig-title { font-family: var(--serif); font-size: 22px; color: var(--ink); }
  .sec-navy .fig-title { color: var(--ivory); }
  .fig-legend { display: flex; gap: 22px; flex-wrap: wrap; font-size: 13px; color: var(--gray); }
  .fig-legend span { display: inline-flex; align-items: center; gap: 8px; }
  .fig-legend i { width: 20px; height: 3px; border-radius: 2px; display: inline-block; }
  .fig-legend i.dash { background: repeating-linear-gradient(90deg, currentColor 0 5px, transparent 5px 9px); height: 2px; }
  .fig-legend i.box { width: 14px; height: 14px; border-radius: 2px; }
  .fig-cap { font-size: 13.5px; color: var(--gray); margin-top: 16px; line-height: 1.6; max-width: 900px; }
  .sec-navy .fig-cap, .sec-navy .fig-legend { color: var(--gray-on-dark); }
  .fig-frame { border: 1px solid var(--line-light); background: #fff; padding: 34px 34px 26px; }
  .sec-navy .fig-frame { background: rgba(255,255,255,.025); border-color: var(--line-dark); }

  path.draw, line.draw, polyline.draw { stroke-dasharray: var(--len, 2000); stroke-dashoffset: var(--len, 2000); transition: stroke-dashoffset 1.7s var(--ease) .2s; }
  .in path.draw, .in line.draw, .in polyline.draw { stroke-dashoffset: 0; }
  .draw.d2 { transition-delay: .7s; } .draw.d3 { transition-delay: 1.1s; }
  .bar-grow { transform: scaleX(0); transform-origin: 0 50%; transform-box: fill-box; transition: transform 1.1s var(--ease) .15s; }
  .in .bar-grow { transform: scaleX(1); }
  .bar-grow.b2 { transition-delay: .3s; } .bar-grow.b3 { transition-delay: .45s; } .bar-grow.b4 { transition-delay: .6s; }
  .fade-late { opacity: 0; transition: opacity .7s ease 1.3s; } .in .fade-late { opacity: 1; }
  .fade-mid { opacity: 0; transition: opacity .7s ease .8s; } .in .fade-mid { opacity: 1; }
  .pulse { transform-box: fill-box; transform-origin: center; animation: pulse 3.2s var(--ease) infinite; }
  @keyframes pulse { 0%, 100% { transform: scale(1); opacity: .55; } 50% { transform: scale(1.35); opacity: 0; } }
  .node-link { cursor: pointer; }
  .node-link rect { transition: fill .3s, stroke .3s; }
  .node-link:hover rect { stroke: var(--gold); fill: rgba(185,151,79,.12); }
  .node-link:hover text { fill: var(--ink); }
  html:not(.js) .fade-late, html:not(.js) .fade-mid { opacity: 1; }
  html:not(.js) .bar-grow { transform: none; }
  html:not(.js) path.draw, html:not(.js) line.draw { stroke-dashoffset: 0; stroke-dasharray: none; }
  @media (prefers-reduced-motion: reduce) {
    path.draw, line.draw, polyline.draw { stroke-dashoffset: 0 !important; stroke-dasharray: none !important; transition: none !important; }
    .bar-grow { transform: none !important; transition: none !important; }
    .fade-late, .fade-mid { opacity: 1 !important; transition: none !important; }
    .pulse { animation: none; }
    .btn-gold::after, .glow::before { display: none; }
  }
  @media (max-width: 640px) { .fig-frame { padding: 18px 12px 14px; } .fig-title { font-size: 19px; } }
  @media (max-width: 640px) {
    .fig-frame, .fig > svg { overflow-x: auto; }
    .fig { overflow-x: auto; -webkit-overflow-scrolling: touch; }
    .fig svg { min-width: 620px; }
    .fig-head { flex-direction: column; gap: 10px; }
  }
  @media (max-width: 640px) {
    .btn { white-space: normal; text-align: center; line-height: 1.35; }
    .tri-cards.three { grid-template-columns: 1fr !important; }
  }