/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{overflow-x:hidden;max-width:100%;-webkit-text-size-adjust:100%;font-family:'Sarabun',Arial,sans-serif}
body{font-family:'Sarabun',Arial,sans-serif;font-size:16px;color:#222;background:#fff;line-height:1.5;overflow-x:hidden;max-width:100%;width:100%}
*{box-sizing:border-box}
/* Empêche le zoom automatique iOS sur tous les champs (font-size < 16px = zoom) */
input,select,textarea{font-size:max(16px,1em) !important;}
a{color:inherit;text-decoration:none}
ul{list-style:none}
img{max-width:100%;height:auto;display:block}
button{font-family:inherit;cursor:pointer;border:none;background:none;-webkit-tap-highlight-color:transparent}

:root{
  --orange:#06c2b0;
  --navy:#111;
  --navy-d:#000;
  --teal:#06c2b0;        /* bouton "Simuler un projet" */
  --teal-d:#049f90;
  --sky:#3ab5e5;
  --sky-l:#62c9ef;
  --text:#333;
  --gray:#f5f5f5;
  --hh:72px;
  --tb:56px;
  --w:1200px;
}

/* ═══════════════════════════
   HEADER
═══════════════════════════ */
.top-legal-bar{
  position:fixed;top:0;left:0;right:0;z-index:4000;
  background:#fff;
  height:var(--tb);
  display:flex;align-items:center;justify-content:center;
  padding:0 1.2rem;
  font-size:.82rem;color:#333;text-align:center;line-height:1.5;
}
@media(min-width:700px){
  :root{--tb:34px}
  .top-legal-bar{font-size:.78rem}
}
@media(min-width:960px){
  .top-legal-bar{font-size:1.05rem}
}
.header{
  position:fixed;top:var(--tb);left:0;right:0;z-index:1000;
  background:#fff;
  border-bottom:2px solid #e8e8e8;
  height:var(--hh);
}
.hd-inner{
  max-width:var(--w);margin:0 auto;
  height:var(--hh);display:flex;align-items:center;
  padding:0 1rem;justify-content:space-between;
}
/* hamburger */
.hd-menu-btn{
  display:flex;flex-direction:column;align-items:center;gap:4px;padding:.4rem .5rem;
  cursor:pointer;background:none;border:none;font-family:inherit;align-self:center;
}
.hd-menu-btn span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px}
.hd-menu-label{font-size:.7rem;font-weight:700;color:var(--navy);margin-top:1px;text-align:center;letter-spacing:.03em}
/* logo centré */
.hd-logo{
  position:absolute;left:50%;transform:translateX(-50%);
  font-size:1.55rem;font-weight:800;letter-spacing:-1px;
  background:linear-gradient(135deg,#06c2b0 0%,#0d2748 100%);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
  background-clip:text;
}
/* droite */
.hd-right{display:flex;align-items:center;gap:.5rem}
/* mobile : cacher les éléments desktop */
.hd-dossier{display:none}
.hd-connect-btn{display:none}
.hd-connect{
  display:flex;flex-direction:column;align-items:center;gap:.15rem;
  font-size:.65rem;font-weight:700;color:var(--navy);text-decoration:none;align-self:center;
}
/* nav desktop */
.desktop-nav{display:none}
@media(min-width:960px){
  .hd-menu-btn,.hd-menu-label-wrap{display:none}
  .hd-logo{position:static;transform:none;font-size:1.5rem;flex-shrink:0}
  .desktop-nav{
    display:flex;flex:1;height:100%;align-items:center;margin-left:1.5rem;
  }
  .desktop-nav > ul{display:flex;height:100%;align-items:center;list-style:none;padding:0;margin:0}
  .desktop-nav li{height:100%;position:relative}
  .desktop-nav > ul > li > a{
    display:flex;align-items:center;height:100%;
    padding:0 .85rem;font-size:.88rem;font-weight:600;color:var(--text);
    border-bottom:3px solid transparent;white-space:nowrap;
    transition:color .15s,border-color .15s;
  }
  .desktop-nav > ul > li > a:hover{color:var(--orange);border-bottom-color:var(--orange)}
  .desktop-nav li.has-sub > a::after{
    content:'';display:inline-block;width:5px;height:5px;margin-left:.3rem;margin-top:-2px;
    border-right:2px solid currentColor;border-bottom:2px solid currentColor;
    transform:rotate(45deg);
  }
  .desktop-nav > ul > li:hover > a{color:var(--orange);border-bottom-color:var(--orange)}
  .sub-menu{
    display:none;position:absolute;top:100%;left:0;
    background:#fff;min-width:210px;list-style:none;padding:0;margin:0;
    box-shadow:0 8px 24px rgba(0,0,0,.13);
    border-top:3px solid var(--orange);
    border-radius:0 0 8px 8px;z-index:200;
  }
  .desktop-nav li:hover > .sub-menu{display:block}
  .sub-menu li{height:auto}
  .sub-menu li a{display:block;height:auto;padding:.65rem 1.1rem;border-bottom:none;font-size:.85rem;white-space:nowrap}
  .sub-menu li a:hover{background:var(--gray);color:var(--orange)}
  .hd-right .hd-connect-btn{
    background:none;color:var(--text);
    border:1.5px solid #ddd;border-radius:2rem;padding:.42rem 1.1rem;
    font-size:.82rem;font-weight:700;
    display:flex;align-items:center;gap:.35rem;
    white-space:nowrap;transition:border-color .15s,color .15s;
  }
  .hd-right .hd-connect-btn:hover{border-color:var(--orange);color:var(--orange);background:none}
  .hd-right .hd-dossier{
    display:flex;align-items:center;gap:.35rem;
    border:1.5px solid #ddd;border-radius:2rem;padding:.4rem .9rem;
    font-size:.8rem;font-weight:600;color:var(--text);margin-right:.3rem;
    transition:border-color .15s,color .15s;white-space:nowrap;
  }
  .hd-right .hd-dossier:hover{border-color:var(--orange);color:var(--orange)}
  .hd-connect{display:none}
}

/* ═══════════════════════════
   MENU MOBILE PLEIN ÉCRAN
═══════════════════════════ */
.mobile-overlay{display:none}
.mobile-menu{
  display:none;position:fixed;top:var(--tb);left:0;right:0;bottom:0;background:#fff;z-index:1100;
  overflow-y:auto;flex-direction:column;
}
.mobile-menu.open{display:flex}
.mob-mhd{
  display:flex;align-items:center;justify-content:space-between;
  padding:.9rem 1.1rem;background:#fff;
  border-bottom:1px solid #eee;flex-shrink:0;min-height:var(--hh);
}
.mob-close-btn{
  display:flex;flex-direction:column;align-items:center;gap:2px;
  cursor:pointer;min-width:52px;color:var(--navy);background:none;border:none;
  font-family:inherit;
}
.mob-close-btn svg{display:block}
.mob-close-btn span{font-size:.65rem;font-weight:700;color:var(--navy);letter-spacing:.03em}
.mob-mhd-logo{font-size:1.45rem;font-weight:800;letter-spacing:-1px;background:linear-gradient(135deg,#06c2b0 0%,#0d2748 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.mob-search-btn{
  min-width:52px;background:none;border:none;cursor:pointer;color:var(--navy);
  display:flex;justify-content:flex-end;
}
.mob-legal-banner{
  background:#f5f5f5;padding:.55rem 1.1rem;
  font-size:.7rem;color:#555;line-height:1.4;text-align:center;flex-shrink:0;
}
.mob-nav-list{flex:0}
.mob-nav-item{border-bottom:1px solid #eee}
.mob-nav-link{
  display:flex;align-items:center;justify-content:space-between;
  padding:1rem 1.2rem;font-size:.97rem;font-weight:600;color:var(--navy);
  background:none;border:none;width:100%;text-align:left;cursor:pointer;
  font-family:inherit;text-decoration:none;
}
.mob-nav-link:hover{background:#fafafa}
.mob-nav-link.teal{color:var(--teal)}
.mob-nav-chev{color:#bbb;font-size:1.1rem;flex-shrink:0;line-height:1}
.mob-nav-sep{height:6px;background:#f5f5f5;flex-shrink:0}
.mob-nav-icon-item{
  display:flex;align-items:center;gap:.75rem;
  padding:.9rem 1.2rem;border-bottom:1px solid #eee;
  font-size:.93rem;font-weight:600;color:var(--navy);text-decoration:none;
}
.mob-nav-icon-item svg{flex-shrink:0;color:#888}
.mob-cta-zone{padding:1.2rem 1.1rem;display:flex;flex-direction:column;gap:.7rem;flex-shrink:0}
.mob-cta-dossier{
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.85rem 1rem;border:1.5px solid var(--navy);border-radius:2rem;
  font-size:.93rem;font-weight:700;color:var(--navy);background:#fff;
  cursor:pointer;font-family:inherit;
}
.mob-cta-connect{
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.85rem 1rem;background:var(--teal);border:none;border-radius:2rem;
  font-size:.93rem;font-weight:700;color:#fff;cursor:pointer;font-family:inherit;
}
.mob-cta-connect:hover{background:var(--teal-d)}
/* Bouton fixe "Simuler un projet" mobile */
.mob-sim-bar{
  display:block;position:fixed;bottom:0;left:0;right:0;
  padding:.75rem 1rem calc(.75rem + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.95);backdrop-filter:blur(8px);
  z-index:800;
  box-shadow:0 -2px 16px rgba(0,0,0,.12);
  transform:translateY(100%);
  transition:transform .18s ease;
}
.mob-sim-bar.visible{transform:translateY(0)}
.mob-sim-btn{
  display:block;width:100%;background:var(--teal);color:#fff;
  border:none;border-radius:2rem;padding:.85rem 1.5rem;
  font-size:1rem;font-weight:700;font-family:inherit;cursor:pointer;
  text-align:center;transition:background .15s;
  box-shadow:0 4px 16px rgba(6,194,176,.35);
}
.mob-sim-btn:hover{background:var(--teal-d)}
@media(min-width:960px){
  .mob-sim-bar{display:none}
  .mobile-menu{display:none!important}
}

/* ═══════════════════════════
   PAGE WRAPPER
═══════════════════════════ */
.page{padding-top:calc(var(--hh) + var(--tb))}
@media(max-width:959px){
  .page{padding-bottom:calc(64px + env(safe-area-inset-bottom))}
}
.inner{max-width:var(--w);margin:0 auto;padding:0 2rem}

/* ═══════════════════════════
   HERO BANNER — style Sofinco
═══════════════════════════ */
.hero-banner{
  position:relative;
  padding:0;
  background:#fff;
}
.hero-photo-bar{display:block;width:100%;height:260px;background:url('hero-homepage.jpg') center 30%/cover no-repeat}
/* Mobile defaults */
.hero-upper-inner{display:none}
.hero-photo-right{display:none}
.hero-cards-row{display:none}
.hero-pc-img{display:none}
.hero-banner-inner{
  max-width:var(--w);margin:0 auto;width:100%;
  position:relative;z-index:1;
}
.hero-banner h1{
  color:#fff;font-size:1.45rem;font-weight:800;
  line-height:1.25;
}
.hero-banner h1 sup{font-size:.65rem}

/* ═══════════════════════════
   DEUX CARTES
═══════════════════════════ */
.hero-cards-wrap{
  padding:0;
  position:relative;z-index:10;
}
.hero-cards-inner{
  max-width:860px;margin:0 auto;
  display:flex;flex-direction:column;gap:0;
}

/* Carte sombre — "La carte" */
.hcard-dark{
  background:var(--navy-d);color:#fff;
  border-radius:0;padding:1.4rem 1.5rem;
}
.hcard-dark-top{display:flex;gap:1rem;align-items:flex-start;margin-bottom:1rem}
.hcard-dark-top>div:first-child{flex:1}
.hcard-dark-label{
  font-size:.78rem;font-weight:700;margin-bottom:.5rem;opacity:.85;
}
.hcard-dark-label sup{font-size:.55rem}
.hcard-dark p{font-size:.82rem;opacity:.75;line-height:1.5;margin-bottom:0}
/* Mini carte VISA */
.mini-card{
  width:80px;flex-shrink:0;
  background:linear-gradient(145deg,#0d3d5c 0%,#0a5a7a 40%,#06c2b0 100%);
  border-radius:8px;padding:8px 7px 7px;
  box-shadow:0 4px 12px rgba(0,0,0,.4);
  color:#fff;
}
.mini-card-top{display:flex;justify-content:flex-end;margin-bottom:10px}
.mini-visa{font-size:.65rem;font-weight:900;font-style:italic;opacity:.9}
.mini-chip{
  width:18px;height:13px;border-radius:2px;margin-bottom:8px;
  background:linear-gradient(135deg,#c8922a,#f5d878,#c8922a);
}
.mini-num{font-size:.45rem;letter-spacing:.08em;opacity:.7;font-family:monospace}
.hcard-dark-cta{
  display:block;width:100%;text-align:center;
  background:#fff;color:var(--navy-d);
  border-radius:2rem;padding:.55rem 1.2rem;
  font-size:.88rem;font-weight:700;
  transition:background .15s;
}
.hcard-dark-cta:hover{background:#e8f4fa}

/* Mobile: hero-sim-wrap pleine largeur */
.hero-banner-layout{padding:0}

/* Enveloppe de la carte dans le hero */
.hero-sim-wrap{width:100%;display:block}

/* Carte blanche — Simulateur Cofidis style */
.hcard-white{
  background:#fff;
  border-radius:20px 20px 0 0;padding:1.6rem 1.5rem 2rem;
  box-shadow:0 -4px 24px rgba(0,0,0,.12);
  width:100%;
  margin-top:-22px;
  position:relative;z-index:2;
}
.cof-sim-title{font-size:1.1rem;font-weight:800;color:var(--navy);text-align:center;margin-bottom:1.2rem;line-height:1.3}
.cof-step{margin-bottom:1rem}
.cof-step-lbl{font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:.55rem}
.cof-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 14 14'%3E%3Cpath d='M2 4l5 6 5-6' stroke='%2306c2b0' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 1rem center}
.cof-proj-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem}
.cof-proj-btn{
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:.45rem;text-align:center;
  border:1.5px solid #ddd;border-radius:12px;
  padding:.75rem .4rem;font-size:.75rem;font-weight:700;
  color:var(--navy);background:#fff;cursor:pointer;
  font-family:inherit;line-height:1.2;min-height:88px;
  transition:border-color .15s,background .15s;
}
.cof-proj-btn:hover,.cof-proj-btn.sel{border-color:var(--teal);background:#edfaf9;color:var(--teal)}
.cof-proj-btn svg{flex-shrink:0;fill:var(--navy);transition:fill .15s}
.cof-proj-btn:hover svg,.cof-proj-btn.sel svg{fill:var(--teal)}
.cof-amount-wrap{position:relative}
.cof-euro{position:absolute;right:1rem;top:50%;transform:translateY(-50%);font-size:.95rem;font-weight:600;color:#888;pointer-events:none}
.cof-cta-btn{width:100%;padding:.9rem;font-size:.95rem;font-weight:800;letter-spacing:.04em;margin-top:1rem;border-radius:10px}
.cof-amount-err{font-size:.78rem;color:#d33;margin-top:.3rem;display:none}
.cof-amount-err.show{display:block}
.sim-input.f-err{border-color:#d33 !important;background:#fff5f5}

/* Formulaire simulateur */
.sim-form{display:flex;flex-direction:column;gap:.6rem}
.sim-field{flex:1}
.sim-select,.sim-input{
  width:100%;height:44px;
  border:1.5px solid #ccc;border-radius:2rem;
  padding:0 1rem;font-size:1rem;font-family:inherit;
  color:var(--text);background:#fff;
  appearance:none;-webkit-appearance:none;
  outline:none;transition:border-color .2s;
}
.sim-select{
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right 1rem center / 11px, #fff;
  cursor:pointer;
}
.sim-select:focus,.sim-input:focus{border-color:var(--teal)}
.btn-teal{
  display:block;width:100%;text-align:center;
  background:var(--teal);color:#fff;
  border-radius:2rem;padding:.75rem 1.4rem;
  font-size:.95rem;font-weight:700;border:none;
  font-family:inherit;cursor:pointer;
  white-space:nowrap;
  transition:background .2s;
}
.btn-teal:hover{background:var(--teal-d)}

/* Colonne texte — cachée sur mobile */
.hero-text-col{display:none}
.hero-img-col{display:none}

@media(min-width:700px){
  /* Mobile elements hidden */
  .hero-photo-bar{display:none}
  .hero-sim-wrap{display:none}

  /* Desktop hero — gradient CSS, photo via <img> pour chargement prioritaire sans flash */
  .hero-banner{
    position:relative;padding:0;overflow:hidden;
    background-color:#fff;
    background-image:linear-gradient(to right,#a8d8ec 0%,#c5e8f5 32%,rgba(197,232,245,.5) 54%,transparent 72%);
    background-position:center;
    background-size:auto;
    background-repeat:no-repeat;
  }
  .hero-pc-img{
    display:block;
    position:absolute;
    right:0;top:0;
    height:100%;width:auto;
    mix-blend-mode:multiply;
    z-index:0;
  }
  .hero-banner::before{content:none}
  .hero-banner::after{content:none}
  .hero-upper-inner{
    display:flex;align-items:center;
    max-width:1100px;margin:0 auto;
    padding:4.5rem 2rem 5.5rem;min-height:420px;
    position:relative;z-index:2;
  }
  .hero-text-col{display:flex;flex:1;flex-direction:column;gap:1.5rem;max-width:520px}
  .hero-banner h1{color:#1a3a5c;font-size:2.6rem;font-weight:800;line-height:1.15}
  .hero-sub{color:rgba(20,50,80,.85);font-size:1rem;line-height:1.75}
  .hero-trust-list{display:flex;flex-direction:column;gap:.6rem}
  .hero-trust-list li{color:rgba(20,50,80,.8);font-size:.93rem;padding-left:1.5rem;position:relative}
  .hero-trust-list li::before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:800}

  /* Photo en background — div cachée */
  .hero-photo-right{display:none}

  /* Deux cartes chevauchantes */
  .hero-cards-row{
    display:flex;gap:1.5rem;
    max-width:1100px;margin:-72px auto 0;
    padding:0 2rem;position:relative;z-index:10;
  }
  .hero-promo-card{
    flex:0 0 270px;background:#fff;border-radius:12px;
    padding:1.6rem 1.8rem;box-shadow:0 8px 32px rgba(0,0,0,.15);
  }
  .hpc-tag{font-size:.68rem;font-weight:800;letter-spacing:.12em;color:var(--teal);text-transform:uppercase;margin-bottom:.7rem}
  .hpc-rate-label{font-size:.8rem;color:#888;margin-bottom:.15rem}
  .hpc-rate{font-size:3rem;font-weight:900;color:var(--navy);line-height:1;margin-bottom:.4rem}
  .hpc-rate sup{font-size:1.3rem;font-weight:700;vertical-align:super}
  .hpc-sub{font-size:.71rem;color:#999;line-height:1.5;margin-bottom:1.2rem}
  .hpc-btn{
    display:block;background:var(--teal);color:#fff;text-align:center;
    border-radius:2rem;padding:.65rem 1rem;font-size:.88rem;font-weight:700;
    transition:background .15s;
  }
  .hpc-btn:hover{background:var(--teal-d)}
  .hero-sim-card{
    flex:1;background:#fff;border-radius:12px;
    padding:1.6rem 2rem;box-shadow:0 8px 32px rgba(0,0,0,.15);
  }
  .hsc-title{font-size:1.1rem;font-weight:800;color:var(--navy);margin-bottom:.35rem}
  .hsc-sub{font-size:.83rem;color:#666;margin-bottom:1rem;line-height:1.5}
  .hsc-form{display:flex;gap:.65rem;align-items:center;flex-wrap:wrap}
  .hsc-sel,.hsc-inp{flex:1;min-width:130px;height:46px}
  .hsc-btn{flex-shrink:0;width:auto;padding:.75rem 1.4rem;white-space:nowrap;border-radius:10px}

  /* Products : espace pour les cartes chevauchantes */
  .products{padding-top:calc(72px + 2.5rem)}
}
@media(min-width:960px){
  .hero-banner h1{font-size:3.2rem}
  .hero-upper-inner{padding:5rem 2rem 6rem;min-height:460px}
}

/* ═══════════════════════════
   PRODUITS
═══════════════════════════ */
.products{
  padding:2.5rem 0 2.5rem;
}
.products .wrap{max-width:var(--w);margin:0 auto;padding:0 1rem}
.prod-group{margin-bottom:2.5rem}
.prod-group:last-child{margin-bottom:0}
.prod-group-hd{padding:0 .25rem;margin-bottom:1.2rem}
.prod-group-hd h2{
  font-size:1.6rem;font-weight:800;color:var(--navy);
  margin-bottom:.35rem;line-height:1.25;
}
.prod-group-hd p{
  font-size:.93rem;color:#666;line-height:1.55;
}
.prod-list{display:flex;flex-direction:column;gap:1.5rem}
.prod-item{
  border-radius:20px;overflow:hidden;
  position:relative;height:380px;cursor:pointer;
}
.prod-item img{
  width:100%;height:100%;object-fit:cover;display:block;
  transition:transform .4s ease;
}
.prod-item:hover img{transform:scale(1.04)}
.prod-item-overlay{
  position:absolute;inset:0;
  background:rgba(0,0,0,.38);
  pointer-events:none;
}
.prod-item-body{
  position:absolute;top:0;left:0;right:0;bottom:0;
  padding:1rem 1.1rem;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  z-index:2;
}
.prod-item-title{
  color:#fff;font-size:1rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.04em;line-height:1.2;
  text-align:center;
  text-shadow:0 1px 8px rgba(0,0,0,.8),0 2px 20px rgba(0,0,0,.6);
}
.prod-arrow{
  position:absolute;bottom:1rem;right:1rem;
}
.prod-arrow{
  width:44px;height:44px;border-radius:50%;
  border:2px solid rgba(255,255,255,.65);
  background:rgba(255,255,255,.15);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
  transition:background .2s,border-color .2s;
  text-decoration:none;
}
.prod-arrow:hover{background:rgba(255,255,255,.3);border-color:#fff}
.prod-arrow svg{display:block}
@media(min-width:560px){
  .prod-list{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}
  .prod-item{height:320px}
}
@media(min-width:860px){
  .prod-list{grid-template-columns:repeat(3,1fr);gap:1.4rem}
  .prod-item{height:340px}
}

/* ═══════════════════════════
   AVIS
═══════════════════════════ */
.reviews{padding:2.5rem 0}
.reviews .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.reviews h2{
  font-size:1.4rem;font-weight:800;color:var(--navy);
  text-align:center;margin-bottom:1.2rem;line-height:1.3;
}
.reviews h2 span{color:inherit}
.reviews-badge{display:flex;justify-content:center;margin-bottom:1.8rem}
.reviews-badge a{
  display:flex;align-items:center;gap:.6rem;
  background:#fff;border-radius:2rem;padding:.5rem 1.2rem;
  box-shadow:0 2px 10px rgba(0,0,0,.09);font-size:.85rem;color:var(--text);
}
.stars{color:#f5a623;font-size:.95rem;letter-spacing:1px}
.rv-grid{display:flex;flex-direction:column;gap:1rem;margin-bottom:1.6rem}
.rv-card{
  background:#fff;border-radius:10px;padding:1.2rem;
  box-shadow:0 1px 6px rgba(0,0,0,.07);
}
.rv-title{font-size:.97rem;font-weight:700;color:var(--navy);margin-bottom:.2rem}
.rv-name{font-size:.8rem;color:#aaa;margin-bottom:.15rem}
.rv-date{font-size:.7rem;color:#ccc;margin-bottom:.5rem}
@media(min-width:700px){
  .rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
}
.reviews-more{text-align:center}
.btn-orange{
  display:inline-block;background:var(--orange);color:#fff;
  border-radius:2rem;padding:.65rem 1.8rem;
  font-size:.92rem;font-weight:700;transition:background .2s;
}
.btn-orange:hover{background:var(--teal-d);color:#fff}

/* ═══════════════════════════
   AVANTAGES
═══════════════════════════ */
.avantages{padding:1.25rem 0}
.avantages .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.avantages h2{
  font-size:1.4rem;font-weight:800;color:var(--navy);
  margin-bottom:1.5rem;
}
.av-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;list-style:none;padding:0;margin:0}
.av-item{
  background:#f2f4f7;border-radius:16px;
  padding:1.4rem 1rem;
  display:flex;flex-direction:column;align-items:center;text-align:center;gap:.75rem;
}
.av-num{
  width:42px;height:42px;border-radius:50%;
  background:var(--navy);color:#fff;
  font-size:1.1rem;font-weight:800;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.av-icon{
  width:40px;height:40px;
  display:flex;align-items:center;justify-content:center;
}
.av-item h3{font-size:.88rem;font-weight:700;color:var(--navy);line-height:1.3;margin:0}
.av-item p{font-size:.8rem;color:#666;line-height:1.5;margin:0}

/* ═══════════════════════════
   RÉCOMPENSE
═══════════════════════════ */
.award{padding:2.5rem 0}
.award .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.award-inner{display:flex;flex-direction:column;gap:1.5rem;align-items:center;text-align:center}
.award-inner h2{font-size:1.25rem;font-weight:800;color:var(--navy);line-height:1.35}
.award-inner p{font-size:.88rem;color:#666;line-height:1.6}
.award-inner img{width:130px;border-radius:8px}
@media(min-width:700px){
  .award-inner{flex-direction:row;text-align:left}
  .award-inner img{width:160px;flex-shrink:0}
}

/* ═══════════════════════════
   FOOTER
═══════════════════════════ */
.footer{background:#0d1117;color:#fff;padding-bottom:calc(1.5rem + env(safe-area-inset-bottom))}

/* Nav accordéon */
.ft-nav{padding:0}
.ft-nav-btn{
  display:flex;justify-content:space-between;align-items:center;
  width:100%;padding:1.15rem 1.5rem;
  border:none;border-bottom:1px solid rgba(255,255,255,.08);
  background:none;cursor:pointer;font-family:inherit;
  font-size:.95rem;font-weight:800;color:#fff;
  letter-spacing:.07em;text-transform:uppercase;text-align:left;
}
.ft-nav-item:last-child .ft-nav-btn{border-bottom:none}
.ft-chev{font-size:1.1rem;color:rgba(255,255,255,.5);display:inline-block;transition:transform .2s}
.ft-nav-item.open .ft-chev{transform:rotate(90deg)}
.ft-acc-list{
  display:none;list-style:none;
  padding:.25rem 1.5rem .85rem;margin:0;
}
.ft-nav-item.open .ft-acc-list{display:block}
.ft-acc-list li a{
  display:block;padding:.55rem 0;
  font-size:.88rem;color:rgba(255,255,255,.6);
  text-decoration:none;font-weight:600;
  border-bottom:1px solid rgba(255,255,255,.05);
}
.ft-acc-list li:last-child a{border-bottom:none}
.ft-acc-list li a:hover{color:#fff}

/* Séparateur teal */
.ft-sep{height:2px;background:var(--teal);margin:0 1.5rem;border-radius:1px}

/* Social */
.ft-social{padding:1.8rem 1.5rem 1.2rem;text-align:center}
.ft-social-lbl{font-size:.85rem;color:rgba(255,255,255,.5);margin-bottom:1rem;font-weight:600;letter-spacing:.04em}
.ft-social-icons{display:flex;justify-content:center;gap:1rem}
.ft-soc-ico{
  width:46px;height:46px;border-radius:12px;
  background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;
  color:#fff;text-decoration:none;
  transition:background .15s;
}
.ft-soc-ico:hover{background:var(--teal)}

/* Liens légaux */
.ft-legal{
  display:flex;flex-wrap:wrap;justify-content:center;
  gap:.35rem 1rem;padding:1rem 1.5rem .8rem;
  border-top:1px solid rgba(255,255,255,.07);
}
.ft-legal a{font-size:.78rem;color:rgba(255,255,255,.4);text-decoration:none}
.ft-legal a:hover{color:#fff}

/* Bouton CTA bas */
.ft-cta{padding:.8rem 1.5rem 1.5rem}
.ft-cta-btn{
  display:block;width:100%;background:#1e2d3d;color:#fff;
  border:none;border-radius:2rem;padding:1rem;
  font-size:.95rem;font-weight:800;letter-spacing:.07em;
  font-family:inherit;cursor:pointer;text-align:center;
  text-decoration:none;transition:background .15s;
}
.ft-cta-btn:hover{background:#2a3f55}

/* Mention légale bas de page */
.ft-mention{font-size:.72rem;color:rgba(255,255,255,.25);text-align:center;padding:.5rem 1.5rem 1.2rem;line-height:1.5}



/* ═══════════════════════════
   TRUST ICONS (4 pictos)
═══════════════════════════ */
.trust-icons{padding:2.5rem 0}
.trust-icons .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.8rem}
@media(min-width:700px){.trust-grid{grid-template-columns:repeat(4,1fr);gap:1.5rem}}
.trust-item{display:flex;flex-direction:column;align-items:center;text-align:center;gap:.8rem}
.trust-icon{
  width:52px;height:52px;border-radius:50%;
  background:var(--navy);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.trust-icon svg path,.trust-icon svg rect{stroke:#fff}
.trust-icon svg circle{stroke:#fff}
.trust-icon svg text{fill:#fff}
.trust-item p{font-size:.8rem;font-weight:700;color:var(--navy);line-height:1.3;white-space:nowrap}

/* ═══════════════════════════
   EDITORIAL
═══════════════════════════ */
.editorial{padding-top:2.5rem;padding-bottom:2.5rem}
.editorial .wrap{max-width:860px;margin:0 auto;padding:0 1.5rem}
.editorial h2{
  font-size:1.35rem;font-weight:800;color:var(--navy);
  margin-bottom:1rem;line-height:1.3;
}
.editorial p{font-size:.9rem;color:#333;line-height:1.7;margin-bottom:.9rem}
.editorial p:last-of-type{margin-bottom:1.4rem}
.editorial strong,.faq-a strong,.faq-answer strong,.inner-page p strong,.legal-section p strong{color:inherit;font-weight:inherit}
.editorial .btn-teal{display:inline-block;width:auto}

/* ═══════════════════════════
   FAQ ACCORDION
═══════════════════════════ */
.faq{padding:2.5rem 0}
.faq .wrap{max-width:860px;margin:0 auto;padding:0 1.5rem}
.faq>div>h2{
  font-size:1.35rem;font-weight:800;color:var(--navy);
  margin-bottom:1.5rem;line-height:1.3;
}
.faq-list{border-top:1px solid #e0e0e0;margin-bottom:1.5rem}
.faq-item{border-bottom:1px solid #e0e0e0}
.faq-question{
  width:100%;display:flex;align-items:center;justify-content:space-between;
  padding:1.1rem 0;font-size:.97rem;font-weight:700;color:#222;
  background:none;border:none;cursor:pointer;text-align:left;font-family:inherit;
  gap:1rem;
  -webkit-tap-highlight-color:transparent;
  outline:none;
  transition:color .22s ease;
}
.faq-question:focus-visible{outline:2px solid var(--teal);outline-offset:3px;border-radius:3px}
.faq-question:hover{color:#111}
.faq-item.open .faq-question{color:var(--teal)}
.faq-icon{
  flex-shrink:0;width:20px;height:20px;
  display:flex;align-items:center;justify-content:center;
  font-size:0;color:transparent;
}
.faq-icon::before{
  content:'';display:block;
  width:8px;height:8px;
  border-right:2px solid #666;border-bottom:2px solid #666;
  transform:rotate(45deg) translateY(-2px);
  transition:transform .3s ease;
}
.faq-item.open .faq-icon::before{transform:rotate(-135deg) translateY(-2px)}
.faq-answer{
  display:block;max-height:0;overflow:hidden;
  padding-bottom:0;
  font-size:.9rem;color:#555;line-height:1.75;
  transition:max-height .34s cubic-bezier(.4,0,.2,1),padding-bottom .25s ease;
}
.faq-item.open .faq-answer{padding-bottom:1.3rem;max-height:2000px}
.faq-more{text-align:center;margin-top:.5rem}
.faq-q{
  display:block;width:100%;text-align:left;background:none;border:none;
  border-bottom:1px solid #e8edf2;cursor:pointer;font-family:inherit;
  font-size:.97rem;font-weight:600;color:#222;
  padding:1.15rem 2.6rem 1.15rem 0;position:relative;
  -webkit-tap-highlight-color:transparent;
  outline:none;
  transition:color .22s ease;
}
.faq-q:focus-visible{outline:2px solid var(--teal);outline-offset:3px;border-radius:3px}
.faq-q:hover{color:#111}
.faq-q::after{
  content:'';position:absolute;right:6px;top:50%;
  display:block;width:8px;height:8px;
  border-right:2px solid #888;border-bottom:2px solid #888;
  transform:translateY(-70%) rotate(45deg);
  transition:transform .3s ease,border-color .2s;
}
.faq-item.open .faq-q{color:var(--teal)}
.faq-item.open .faq-q::after{transform:translateY(-30%) rotate(-135deg);border-color:var(--teal)}
.faq-a{
  display:block;max-height:0;overflow:hidden;
  padding-top:0;padding-bottom:0;
  border-bottom:1px solid transparent;
  transition:max-height .34s cubic-bezier(.4,0,.2,1),padding .25s ease;
}
.faq-item.open .faq-a{padding:.85rem 0 1.25rem;border-bottom-color:#e8edf2;max-height:2000px}
.faq-a p{font-size:.9rem;color:#444;line-height:1.75;margin-bottom:.5rem}
.faq-a p:last-child{margin-bottom:0}

/* ═══════════════════════════
   BESOIN D'UN CRÉDIT ?
═══════════════════════════ */
.besoin-credit{padding:2.5rem 0}
.besoin-credit .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.besoin-inner{
  background:#fff;border-radius:14px;
  padding:1.8rem 1.8rem 1.4rem;
  box-shadow:0 2px 14px rgba(0,0,0,.08);
}
.besoin-inner>h2{
  font-size:1.25rem;font-weight:800;color:var(--navy);
  margin-bottom:.8rem;
}
.besoin-main-link{
  display:inline-block;font-size:1rem;font-weight:700;
  color:var(--orange);margin-bottom:1.4rem;
  transition:color .15s;
}
.besoin-main-link:hover{color:#000}
.besoin-cols{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-bottom:1.2rem}
@media(max-width:500px){.besoin-cols{grid-template-columns:1fr}}
.besoin-col h3{
  font-size:.82rem;font-weight:700;color:#999;text-transform:uppercase;
  letter-spacing:.06em;margin-bottom:.7rem;
}
.besoin-col li{margin-bottom:.35rem}
.besoin-col li a{
  font-size:.88rem;color:var(--navy);font-weight:500;
  transition:color .15s;
}
.besoin-col li a:hover{color:var(--orange)}
.voir-conditions{
  display:block;font-size:.82rem;color:#888;
  border-top:1px solid #eee;padding-top:.9rem;
  transition:color .15s;
}
.voir-conditions:hover{color:var(--orange)}


/* ═══════════════════════════
   SIMULATEUR PLEINE PAGE
═══════════════════════════ */
.sim-page{display:none;position:fixed;inset:0;background:#fff;z-index:3000;overflow-y:auto}
.sim-page.open{display:block}
/* Header sticky */
.sim-ph{position:sticky;top:var(--tb);background:#fff;z-index:50;box-shadow:0 1px 6px rgba(0,0,0,.1);display:flex;align-items:center;justify-content:center;padding:.9rem 1rem;min-height:52px}
.sim-ph-logo{font-size:1.25rem;font-weight:800;letter-spacing:-.5px;border:none;cursor:pointer;font-family:inherit;padding:0;background:linear-gradient(135deg,#06c2b0 0%,#0d2748 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.sim-ph-quit{position:absolute;right:1rem;font-size:.85rem;font-weight:700;color:var(--navy);cursor:pointer;border:none;background:none;font-family:inherit;text-decoration:underline;padding:.3rem}
.sim-ph-quit:hover{color:var(--orange)}
/* Body */
.sim-body{max-width:500px;margin:0 auto;padding:calc(var(--tb) + 1.5rem) 1.2rem 8rem}
/* Panes */
.sim-pane{display:none}
.sim-pane.s-show{display:block}
.sim-title{font-size:1.25rem;font-weight:800;color:var(--navy);margin-bottom:.5rem;line-height:1.3}
.sim-sub{font-size:.88rem;color:#555;line-height:1.55;margin-bottom:.5rem}
.sim-req{font-size:.8rem;color:#888;margin-bottom:1.5rem}
/* Step 1 : projet cards */
.sim-proj-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.8rem;margin-bottom:2.5rem}
.sim-proj-card{border:1.5px solid #ddd;border-radius:12px;padding:1.2rem .8rem;display:flex;flex-direction:column;align-items:center;gap:.6rem;cursor:pointer;font-size:.85rem;font-weight:600;color:var(--navy);background:#fff;transition:border-color .15s,background .15s;font-family:inherit;text-align:center;line-height:1.3}
.sim-proj-card:hover{border-color:var(--teal)}
.sim-proj-card.sp-sel{border-color:var(--teal);background:#edfaf9}
.sim-proj-card.sp-full{grid-column:1/-1;max-width:calc(50% - .4rem);justify-self:center;width:100%}
.sim-proj-ico{width:52px;height:52px;border-radius:50%;background:var(--navy-d);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.sim-proj-ico svg{color:#fff}
/* Step 2 : montant field */
.sim-amount-fld{width:100%;border:1.5px solid #999;border-radius:6px;padding:1rem 1rem;font-size:1rem;font-family:inherit;color:var(--navy);outline:none;transition:border-color .2s;margin-bottom:.3rem}
.sim-amount-fld:focus{border-color:var(--teal)}
.sim-amount-fld.f-err{border-color:#d33;background:#fff5f5}
.sim-field-err{font-size:.8rem;color:#d33;margin-bottom:1.2rem;display:none}
.sim-field-err.show{display:block}
/* Step 3 : radio + dropdown */
.sim-choice-lbl{font-size:.92rem;font-weight:700;color:var(--navy);margin-bottom:.8rem}
.sim-radios{display:flex;gap:1.5rem;margin-bottom:1.2rem;flex-wrap:wrap}
.sim-radio{display:flex;align-items:center;gap:.4rem;font-size:.92rem;font-weight:600;color:var(--navy);cursor:pointer}
.sim-radio input[type=radio]{width:18px;height:18px;accent-color:var(--orange);cursor:pointer}
.sim-sel{width:100%;border:1.5px solid #999;border-radius:6px;padding:.95rem 2.5rem .95rem 1rem;font-size:1rem;font-family:inherit;color:var(--navy);outline:none;appearance:none;-webkit-appearance:none;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right 1rem center/11px,#fff;cursor:pointer;transition:border-color .2s;margin-bottom:1.5rem}
.sim-sel:focus{border-color:var(--teal)}
/* Custom inline dropdown (style Sofinco) */
.sim-dd-wrap{margin-bottom:1.5rem}
.sim-dd-box{
  border:1.5px solid #999;border-radius:6px;padding:.7rem 1rem;
  cursor:pointer;background:#fff;transition:border-color .2s;
  display:flex;flex-direction:column;gap:.05rem;
  -webkit-tap-highlight-color:transparent;
}
.sim-dd-box.open{border-color:var(--teal);border-radius:6px 6px 0 0}
.sim-dd-type-lbl{font-size:.72rem;color:#777;font-weight:600}
.sim-dd-val-row{display:flex;justify-content:space-between;align-items:center}
.sim-dd-val{font-size:1rem;color:var(--navy);font-weight:600}
.sim-dd-chev{transition:transform .2s;flex-shrink:0;margin-left:.5rem}
.sim-dd-chev.open{transform:rotate(180deg)}
.sim-dd-list{display:none;list-style:none;border:1.5px solid var(--teal);border-top:none;border-radius:0 0 6px 6px;background:#fff;margin-bottom:0;max-height:220px;overflow-y:auto;-webkit-overflow-scrolling:touch}
.sim-dd-list.open{display:block}
.sim-dd-item{padding:.9rem 1rem;font-size:1rem;cursor:pointer;border-bottom:1px solid #f0f0f0;color:var(--navy);background:#fff;-webkit-tap-highlight-color:transparent}
.sim-dd-item:last-child{border-bottom:none}
.sim-dd-item:hover,.sim-dd-item:active{background:#f5fefe}
.sim-dd-item.selected{font-weight:700;color:var(--teal)}
/* Step 4 : résultats — anciens styles */
.sim-res-card{background:linear-gradient(135deg,#f0faff,#e4f4fb);border:1px solid #c0e5f7;border-radius:14px;padding:1.4rem 1.2rem;text-align:center;margin-bottom:1.3rem}
.sim-res-lbl{font-size:.82rem;color:#778;margin-bottom:.2rem}
.sim-res-val{font-size:3rem;font-weight:800;color:var(--navy);line-height:1.1}
.sim-res-unit{font-size:.85rem;color:#667;margin-bottom:.9rem}
.sim-res-tbl{background:#fff;border-radius:8px;padding:.6rem 1rem;text-align:left}
.sim-res-row{display:flex;justify-content:space-between;align-items:center;font-size:.83rem;color:#555;padding:.28rem 0;border-bottom:1px solid #f0f0f0}
.sim-res-row:last-child{border-bottom:none}
.sim-res-row b{color:var(--navy);font-weight:700}
.sim-res-notice{font-size:.65rem;color:#aaa;margin-top:.8rem;line-height:1.5;text-align:left}
/* Step 4 : offres style Sofinco */
.sim-otyp{font-size:.85rem;color:#555;text-align:center;margin-bottom:.3rem;font-weight:500}
.sim-ocount{font-size:.9rem;color:var(--navy);margin-bottom:.8rem;font-weight:600}
.sim-otabs{display:flex;gap:.5rem;margin-bottom:1.2rem}
.sim-otab{flex:1;padding:.65rem .4rem;border:1.5px solid #ccc;border-radius:8px;background:#fff;cursor:pointer;text-align:center;font-family:inherit;transition:all .15s;-webkit-tap-highlight-color:transparent;color:var(--teal)}
.sim-otab.active{background:var(--teal);border-color:var(--teal);color:#fff}
.sim-otab-price{display:block;font-size:.9rem;font-weight:700;line-height:1.2}
.sim-otab-dur{display:block;font-size:.75rem;opacity:.75;margin-top:.15rem}
.sim-ocard{background:#edfaf8;border:1.5px solid var(--teal);border-radius:12px;padding:1.2rem 1rem;margin-bottom:1.1rem}
.sim-ocard-lbl{font-size:.78rem;color:#555;font-weight:600;margin-bottom:.5rem;text-align:center}
.sim-ocard-price-row{display:flex;align-items:baseline;gap:.35rem;margin-bottom:.9rem;justify-content:center}
.sim-ocard-price{font-size:2.8rem;font-weight:800;color:var(--navy);line-height:1}
.sim-ocard-unit{font-size:1rem;color:var(--navy);font-weight:600}
.sim-ocard-meta{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;background:#fff;border-radius:8px;padding:.7rem .8rem;margin-bottom:.8rem}
.sim-ocard-meta-item{display:flex;flex-direction:column;gap:.15rem}
.sim-ocard-meta-lbl{font-size:.7rem;color:#777;font-weight:500}
.sim-ocard-meta-val{font-size:.95rem;font-weight:700;color:var(--navy)}
.sim-ocard-total{display:flex;justify-content:space-between;align-items:center;font-size:.88rem;color:#555}
.sim-ocard-total b{color:var(--navy);font-weight:700}
.sim-ocard-total sup{font-size:.6rem}
.sim-btn-outline{display:block;width:100%;border:1.5px solid #bbb;border-radius:2rem;padding:.75rem 1rem;font-size:.9rem;font-weight:600;color:var(--navy);background:#fff;text-align:center;margin-bottom:.6rem;cursor:pointer;font-family:inherit;text-decoration:none;transition:border-color .15s}
.sim-btn-outline:hover{border-color:var(--navy)}
.sim-cta-big{display:block;width:100%;background:var(--orange);color:#fff;border-radius:2rem;padding:.85rem;font-size:.95rem;font-weight:700;text-align:center;margin-bottom:.7rem;transition:background .2s;border:none;cursor:pointer;font-family:inherit}
.sim-cta-big:hover{background:var(--teal-d)}
.sim-restart{width:100%;background:none;border:2px solid #ddd;border-radius:2rem;padding:.65rem;font-size:.88rem;font-weight:600;color:#888;cursor:pointer;font-family:inherit;transition:all .15s;text-align:center}
.sim-restart:hover{border-color:var(--navy);color:var(--navy)}
/* Common : trust + legal */
.sim-tagline{font-size:.84rem;color:var(--teal-d);font-weight:600;text-align:center;margin-bottom:1.5rem;padding:.7rem 1rem;background:linear-gradient(to right,#edfaf9,#eaf7ff);border-radius:8px;line-height:1.4}
.sim-trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.1rem;margin-bottom:1.8rem}
.sim-trust-item{display:flex;flex-direction:column;align-items:center;text-align:center;gap:.4rem}
.sim-trust-ico{width:50px;height:50px;border-radius:50%;background:var(--navy-d);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.sim-trust-ico svg{color:#fff}
.sim-trust-lbl{font-size:.76rem;font-weight:600;color:var(--navy);line-height:1.3}
.sim-foot-links{border-top:1px solid #eee;padding-top:.4rem}
.sim-foot-links a{display:block;font-size:.82rem;font-weight:600;color:#333;padding:.5rem 0;border-bottom:1px solid #f4f4f4;text-align:center;text-decoration:none}
.sim-foot-links a:hover{color:var(--orange)}
/* Bottom bar fixe */
.sim-bottombar{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid #ddd;display:flex;align-items:center;padding:.9rem 1.2rem;z-index:60;gap:.5rem}
.sim-bb-back{font-size:.88rem;font-weight:700;color:var(--navy);background:none;border:none;cursor:pointer;font-family:inherit;padding:.5rem .2rem;min-width:55px;text-align:left}
.sim-bb-back:disabled{color:#ccc;cursor:default}
.sim-bb-prog{font-size:.8rem;color:#888;font-weight:600;flex:1;text-align:center;white-space:nowrap}
.sim-bb-next{background:var(--teal);color:#fff;border:none;border-radius:2rem;padding:.62rem 1.2rem;font-size:.85rem;font-weight:700;cursor:pointer;font-family:inherit;transition:background .2s;min-width:80px;white-space:nowrap}
.sim-bb-next:hover{background:var(--teal-d)}
.sim-bb-next.bb-teal{background:var(--teal)}
.sim-bb-next.bb-teal:hover{background:var(--teal-d)}

/* Step 5 : Formulaire de demande */
.sim-form-row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.sim-form-group{margin-bottom:.85rem}
.sim-form-lbl{display:block;font-size:.83rem;font-weight:700;color:var(--navy);margin-bottom:.3rem}
.sim-form-input{width:100%;border:1.5px solid #999;border-radius:6px;padding:.85rem 1rem;font-size:1rem;font-family:inherit;color:var(--navy);outline:none;transition:border-color .2s}
.sim-form-input:focus{border-color:var(--teal)}
.sim-civility{display:flex;gap:1.5rem;margin-bottom:.3rem}
.sim-civility label{display:flex;align-items:center;gap:.4rem;font-size:.92rem;font-weight:600;color:var(--navy);cursor:pointer}
.sim-civility input[type=radio]{width:18px;height:18px;accent-color:var(--orange)}
.sim-form-note{font-size:.73rem;color:#999;line-height:1.5;margin-top:1.2rem;padding-top:1rem;border-top:1px solid #eee}
.sim-confirm{text-align:center;padding:2rem 1rem}
.sim-confirm-ico{font-size:3.5rem;margin-bottom:1rem}
.sim-confirm-title{font-size:1.3rem;font-weight:800;color:var(--navy);margin-bottom:.7rem}
.sim-confirm-msg{font-size:.9rem;color:#555;line-height:1.6}

/* ── Desktop Step 4 ── */
.sp4-wrap{display:none}
@media(min-width:900px){
  .sp4-mobile{display:none!important}
  .sp4-wrap{display:flex;min-height:calc(100vh - 52px - var(--tb))}
  .sim-body.sp4-open{max-width:100%;padding:var(--tb) 0 0}
  .sp4-sidebar{width:230px;flex-shrink:0;border-right:1px solid #e8e8e8;padding:1.5rem 1rem;background:#fafafa}
  .sp4-sb-title{font-size:.95rem;font-weight:800;color:var(--navy);margin-bottom:1.2rem;padding-bottom:.7rem;border-bottom:1px solid #e8e8e8}
  .sp4-sb-item{margin-bottom:1rem}
  .sp4-sb-lbl{font-size:.7rem;color:#777;font-weight:600;text-transform:uppercase;letter-spacing:.04em;margin-bottom:.2rem}
  .sp4-sb-inp-wrap{display:flex;align-items:center;border:1.5px solid #ddd;border-radius:6px;background:#fff;overflow:hidden;transition:border-color .15s}
  .sp4-sb-inp-wrap:focus-within{border-color:var(--teal)}
  .sp4-sb-inp{border:none;outline:none;padding:.48rem .6rem;font-size:.88rem;font-weight:700;color:var(--navy);font-family:inherit;flex:1;min-width:0;width:0}
  .sp4-sb-inp-unit{font-size:.82rem;color:#777;flex-shrink:0;padding-right:.2rem}
  .sp4-sb-clr{background:#e8e8e8;border:none;font-size:.75rem;color:#666;cursor:pointer;padding:0;width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-right:.4rem;transition:background .15s}
  .sp4-sb-clr:hover{background:#d0d0d0}
  .sp4-sb-sel{width:100%;border:1.5px solid #ddd;border-radius:6px;padding:.5rem .6rem;font-size:.88rem;font-weight:700;color:var(--navy);font-family:inherit;outline:none;background:#fff;cursor:pointer;transition:border-color .15s}
  .sp4-sb-sel:focus{border-color:var(--teal)}
  .sim-page.sp4-open .sim-bottombar{display:none}
  .sp4-main{flex:1;padding:1.8rem 2.5rem 5rem;overflow-y:auto}
  .sp4-intro{font-size:.82rem;color:#777;margin-bottom:1rem;font-style:italic;text-align:center}
  .sp4-type-lbl{font-size:.88rem;font-weight:600;color:var(--teal);margin-bottom:.25rem;text-align:center}
  .sp4-h1{font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:1.5rem;text-align:center}
  .sp4-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:1.5rem}
  .sp4-card{border:1.5px solid #ddd;border-radius:12px;padding:1.2rem 1rem;cursor:pointer;background:#fff;transition:all .15s}
  .sp4-card:hover{border-color:var(--teal)}
  .sp4-card.sel{border:2px solid var(--teal)}
  .sp4-card-radio{width:20px;height:20px;border-radius:50%;border:2px solid #ccc;margin-bottom:.7rem;display:flex;align-items:center;justify-content:center}
  .sp4-card.sel .sp4-card-radio{border-color:var(--teal)}
  .sp4-card.sel .sp4-card-radio::after{content:'';width:10px;height:10px;border-radius:50%;background:var(--teal);display:block}
  .sp4-card-price{font-size:1.45rem;font-weight:800;color:var(--navy);margin-bottom:.15rem}
  .sp4-card-price sup{font-size:.65rem;vertical-align:super}
  .sp4-card-sublbl{font-size:.78rem;color:#555;margin-bottom:.8rem;font-weight:500}
  .sp4-card-row{display:flex;justify-content:space-between;font-size:.8rem;padding:.28rem 0;border-bottom:1px solid #f2f2f2}
  .sp4-card-row-lbl{color:#777}
  .sp4-card-row-val{font-weight:700;color:var(--navy)}
  .sp4-card-total{font-size:.78rem;color:#555;margin-top:.6rem;padding-top:.5rem;border-top:1px solid #ebebeb;display:flex;justify-content:space-between}
  .sp4-card-total b{color:var(--navy)}
  .sp4-detail{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;border:1px solid #e8e8e8;border-radius:10px;padding:1.2rem 1.5rem;margin-bottom:1.5rem}
  .sp4-detail-title{font-size:.88rem;font-weight:700;color:var(--navy);margin-bottom:.8rem;padding-bottom:.5rem;border-bottom:1px solid #f0f0f0}
  .sp4-detail-row{display:flex;justify-content:space-between;font-size:.83rem;padding:.32rem 0;border-bottom:1px solid #f5f5f5}
  .sp4-detail-row:last-child{border-bottom:none}
  .sp4-detail-row-lbl{color:#555}
  .sp4-detail-row-val{font-weight:700;color:var(--navy)}
  .sp4-actions{display:flex;align-items:center;gap:1rem}
  .sp4-back-btn{background:none;border:1.5px solid #ddd;border-radius:2rem;padding:.62rem 1.5rem;font-size:.88rem;font-weight:600;color:var(--navy);cursor:pointer;font-family:inherit;white-space:nowrap;transition:border-color .15s}
  .sp4-back-btn:hover{border-color:var(--navy)}
  .sp4-action-note{flex:1;text-align:center;font-size:.78rem;color:#888;font-style:italic}
  .sp4-cta{background:var(--teal);color:#fff;border:none;border-radius:2rem;padding:.72rem 2rem;font-size:.92rem;font-weight:700;cursor:pointer;font-family:inherit;transition:background .2s;white-space:nowrap}
  .sp4-cta:hover{background:var(--teal-d)}
}


/* ════════════════════════
   PAGES INTERNES — BASE
════════════════════════ */
.inner-page{padding-top:4rem;padding-bottom:6rem}
.inner-page .wrap{max-width:860px;margin:0 auto;padding:0 1.5rem}
.inner-page h1{font-size:2.4rem;font-weight:800;color:var(--navy);margin-bottom:1.5rem;line-height:1.15;border-left:5px solid var(--teal);padding-left:1.2rem}
.inner-page h2{font-size:1.35rem;font-weight:700;color:var(--navy);margin:2.5rem 0 1rem;display:flex;align-items:center;gap:.6rem}
.inner-page h2::before{content:'';display:inline-block;width:6px;height:6px;border-radius:50%;background:var(--teal);flex-shrink:0}
.inner-page p{font-size:1.02rem;color:#3d3d3d;line-height:1.85;margin-bottom:1.1rem}
.inner-page ul{padding-left:0;margin-bottom:1.2rem;list-style:none}
.inner-page ul li{font-size:1rem;color:#3d3d3d;line-height:1.8;margin-bottom:.5rem;padding-left:1.5rem;position:relative}
.inner-page ul li::before{content:'›';position:absolute;left:0;color:var(--teal);font-weight:700;font-size:1.1rem}
.inner-page a{color:var(--teal);text-decoration:none;font-weight:600;border-bottom:1px solid rgba(6,194,176,.3)}
.inner-page a:hover{border-bottom-color:var(--teal)}
.inner-page .legal-box{background:#f5f9fc;border-left:3px solid var(--sky);padding:1.2rem 1.5rem;border-radius:0 8px 8px 0;margin:1.5rem 0;font-size:.92rem;color:#555;line-height:1.7}
@media(min-width:960px){.inner-page h1{font-size:3rem}.inner-page p{font-size:1.05rem}}
.legal-section{margin-bottom:3rem;padding-bottom:2.5rem;border-bottom:1px solid #e8eef3}
.legal-section:last-child{border-bottom:none}
.legal-section h2{font-size:1.25rem;font-weight:700;color:var(--navy);margin-bottom:1.2rem}
.legal-section p{font-size:1rem;color:#3d3d3d;line-height:1.9;margin-bottom:1rem}
.legal-section ul{padding-left:0;list-style:none;margin-bottom:1rem}
.legal-section ul li{font-size:1rem;color:#3d3d3d;line-height:1.8;margin-bottom:.7rem;padding-left:1.6rem;position:relative}
.legal-section ul li::before{content:'›';position:absolute;left:0;color:var(--teal);font-weight:700;font-size:1.15rem}
.legal-section a{color:var(--teal);text-decoration:none;font-weight:600}
.tarif-table{width:100%;border-collapse:collapse;font-size:.95rem;margin:1rem 0}
.tarif-table th{background:var(--navy);color:#fff;padding:.75rem 1rem;text-align:left;font-weight:600}
.tarif-table td{padding:.7rem 1rem;border-bottom:1px solid #e0eaf2;color:#333}
.tarif-table tr:nth-child(even) td{background:#f6f9fb}
.tarif-table tr:hover td{background:#e8f5f3}

/* ════════════════════════
   SECTIONS PRODUIT AVANCÉES
════════════════════════ */
.prod-hero-badges{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.6rem}
.prod-hero-badge{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.32);color:#fff;padding:.38rem .95rem;border-radius:50px;font-size:.85rem;font-weight:600}
.prod-audience{display:grid;gap:2rem;padding-top:3rem;padding-bottom:2rem}
@media(min-width:760px){.prod-audience{grid-template-columns:1fr 1fr}}
.prod-audience h2{font-size:1.25rem;font-weight:700;color:var(--navy);margin-bottom:1.1rem}
.audience-chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chip{background:#e8f7f6;color:#047a6e;padding:.32rem .8rem;border-radius:50px;font-size:.86rem;font-weight:600;border:1px solid rgba(6,194,176,.22)}
.use-list{list-style:none;padding:0;margin:0}
.use-list li{padding:.42rem 0 .42rem 1.4rem;position:relative;color:#3d3d3d;font-size:.95rem;border-bottom:1px solid #f0f4f7}
.use-list li::before{content:'';position:absolute;left:0;color:var(--teal);font-weight:800}
.prod-caract-wrap{border-radius:14px;padding:2.5rem;margin:2rem auto}
.prod-caract-wrap h2{font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:1.4rem}
.prod-caract-wrap{overflow-x:auto}
.caract-table{width:100%;border-collapse:collapse;min-width:0}
.caract-table tr{border-bottom:1px solid #dde8f0}
.caract-table tr:last-child{border-bottom:none}
.caract-table td{padding:.72rem 1rem;font-size:.95rem;color:#333;vertical-align:top;line-height:1.5}
.caract-table td:first-child{font-weight:700;color:var(--navy);width:38%;min-width:140px}
.prod-eligibilite-wrap,.prod-documents-wrap{margin:2.5rem auto}
.prod-eligibilite-wrap h2,.prod-documents-wrap h2{font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:1.3rem}
.eligibilite-grid,.docs-grid{display:grid;gap:.75rem;grid-template-columns:1fr}
@media(min-width:600px){.eligibilite-grid,.docs-grid{grid-template-columns:1fr 1fr}}
@media(min-width:960px){.eligibilite-grid,.docs-grid{grid-template-columns:1fr 1fr 1fr}}
.eligibilite-item{background:#fff;border:1px solid #dde8f0;border-left:3px solid var(--teal);border-radius:0 8px 8px 0;padding:.75rem 1rem;font-size:.9rem;color:#333;line-height:1.5;display:flex;gap:.6rem;align-items:flex-start}
.eligibilite-item::before{content:'';color:var(--teal);font-weight:800;flex-shrink:0;font-size:.95rem}
.doc-item{background:#fff;border:1px solid #dde8f0;border-radius:8px;padding:.75rem 1rem;font-size:.9rem;color:#333;line-height:1.5;display:flex;gap:.6rem;align-items:flex-start}
.doc-item-icon{font-size:1.1rem;flex-shrink:0}
.prod-etapes-5{display:grid;gap:1.2rem;margin:2rem 0;counter-reset:step5}
@media(min-width:600px){.prod-etapes-5{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.prod-etapes-5{grid-template-columns:repeat(5,1fr)}}
.etape5{background:#fff;border:1px solid #dde8f0;border-radius:12px;padding:1.4rem 1rem;text-align:center;counter-increment:step5}
.etape5-num{display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:1.1rem;margin:0 auto 1rem}
.etape5 h4{font-size:.92rem;font-weight:700;color:var(--navy);margin-bottom:.45rem}
.etape5 p{font-size:.83rem;color:#555;line-height:1.55;margin:0}
.prod-mention-reg{background:#f0f5f8;border-left:4px solid var(--navy);padding:1.4rem 1.7rem;border-radius:0 10px 10px 0;margin:2rem auto}
.prod-mention-reg p{font-size:.88rem;color:#666;line-height:1.75;margin-bottom:.4rem}
.prod-mention-reg p:last-child{margin:0}
.prod-mention-reg strong{color:inherit;font-weight:inherit}


.trust-badge{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:5px;padding:.28rem .65rem;font-size:.72rem;font-weight:700;color:#5a8099;white-space:nowrap;text-transform:uppercase;letter-spacing:.04em}

/* ════════════════════════
   CLASSES MANQUANTES — PAGES PRODUIT
════════════════════════ */
/* Hero produit : eyebrow + sous-titre */
.prod-hero-eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.65);margin-bottom:.6rem}
.prod-hero-sub{font-size:1.05rem;color:#555;line-height:1.65;margin-top:.8rem;max-width:600px}
/* Hero sans image : centrage sur desktop */
@media(min-width:960px){
  .prod-hero:not(:has(.prod-hero-img-wrap)) .inner{display:flex;flex-direction:column;align-items:center;text-align:center}
  .prod-hero:not(:has(.prod-hero-img-wrap)) h1{font-size:2.6rem}
  .prod-hero:not(:has(.prod-hero-img-wrap)) .prod-hero-sub{max-width:680px}
}
/* Grille avantages */
.prod-av-grid,.prod-avantages-grid{display:grid;grid-template-columns:1fr;gap:1.2rem;margin-top:1.5rem}
@media(min-width:600px){.prod-av-grid,.prod-avantages-grid{grid-template-columns:1fr 1fr}}
@media(min-width:960px){.prod-av-grid,.prod-avantages-grid{grid-template-columns:repeat(3,1fr)}}
/* Icône avantage */
.prod-av-icon{font-size:2rem;line-height:1;display:block;margin-bottom:.5rem}
/* Sections internes des pages produit — aucun fond sur les wrappers */
body.pg-inner .editorial{background:none}
.editorial.inner,.prod-caract-wrap.inner,.prod-exemple-wrap.inner,
.prod-audience.inner,.prod-eligibilite-wrap.inner,.prod-documents-wrap.inner,
.prod-etapes.inner,.prod-avantages.inner,.prod-faq.inner,
.prod-chiffres.inner,.prod-mention-reg.inner{background:transparent}
.prod-avantages{padding-top:3rem;padding-bottom:3rem}
.prod-cta{background:#fff;padding:3.5rem 1.5rem;text-align:center}
.prod-cta h2{font-size:1.6rem;font-weight:800;color:var(--navy);margin-bottom:.8rem}
.prod-cta p{color:#555;margin-bottom:1.5rem;line-height:1.6}
.prod-cta .btn-prim{background:var(--teal);color:#fff;border:none;border-radius:2rem;padding:1rem 2.5rem;font-size:1rem;font-weight:700;cursor:pointer;font-family:inherit}
.prod-cta-note{font-size:.74rem;color:#999;margin-top:1rem}
/* Titres sections produit */
.editorial h2,.prod-avantages h2{font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:1rem}
.editorial p{font-size:.97rem;color:#333;line-height:1.8;margin-bottom:.9rem}
.editorial strong{color:inherit;font-weight:inherit}
/* ════════════════════════
   HERO PRODUIT
════════════════════════ */
.prod-hero{background:#fff;padding:2rem 0 2rem;color:var(--navy);position:relative;border-bottom:2px solid #ecf0f3;overflow:visible;min-height:0}
.prod-hero::after{display:none}
.prod-hero::before{display:none}
.prod-hero .wrap,.prod-hero .inner{max-width:var(--w);margin:0 auto;position:relative;z-index:1}
.prod-hero h1{font-size:2rem;font-weight:800;line-height:1.22;margin-bottom:.9rem;color:var(--navy)}
.prod-hero h1 span{color:inherit}
.prod-hero-eyebrow{display:inline-block;width:fit-content;background:var(--teal);color:#fff;border-radius:50px;padding:.28rem 1rem;font-size:.78rem;font-weight:700;letter-spacing:.02em;margin-bottom:1rem;text-transform:none}
.prod-hero-rate{
  background:#fff;
  border:1.5px solid #e4ecf2;
  border-radius:18px;
  padding:0;
  margin:.5rem 0 1.2rem;
  display:block;
  max-width:320px;
  box-shadow:0 4px 20px rgba(0,0,0,.09);
  overflow:hidden;
}
.prod-hero-rate::before{
  content:attr(data-label);
  display:block;
  background:var(--teal);
  color:#fff;
  font-size:.72rem;
  font-weight:700;
  padding:.45rem 1rem;
  letter-spacing:.04em;
  text-transform:uppercase;
}
.prod-hero-rate-inner{padding:1.1rem 1.4rem}
.prod-hero-rate-row{display:flex;align-items:baseline;gap:.15rem;line-height:1}
.prod-hero-rate-num{font-size:3rem;font-weight:800;color:var(--navy)}
.prod-hero-rate-pct{font-size:1.8rem;font-weight:800;color:var(--navy)}
.prod-hero-rate-lab{display:block;font-size:.88rem;font-weight:700;color:#666;margin-top:.25rem}
.prod-hero-rate-info{margin-top:.7rem;padding-top:.6rem;border-top:1px solid #dce8f0}
.prod-hero-rate-info span{display:block;font-size:.8rem;color:#555;line-height:1.7}
/* ── Hero produit : layout mobile (colonne, image en premier) ── */
.prod-hero .inner{display:flex;flex-direction:column}

/* Image : pleine largeur en tête sur mobile */
.prod-hero-img-wrap{
  order:-1;
  width:calc(100% + 4rem);
  margin-left:-2rem;
  margin-right:-2rem;
  margin-top:-2rem;
  margin-bottom:1.8rem;
  flex-shrink:0;
  border-radius:0;
  overflow:hidden;
  background:#f0f0f0;
  display:block;
  padding-top:0;
}
.prod-hero-img{
  display:block;
  width:100%;
  height:240px;
  object-fit:cover;
  object-position:center;
}

/* Texte : affiché normalement sous l'image */
.prod-hero-text{display:flex;flex-direction:column;align-items:flex-start}
.prod-hero-text .prod-hero-eyebrow{margin-bottom:.6rem}

/* Carte taux : cachée sur mobile */
.prod-hero-rate{display:none}

/* Tablette */
@media(min-width:700px) and (max-width:959px){
  .prod-hero-img-wrap{
    width:100%;margin-left:0;margin-right:0;
    border-radius:20px;margin-bottom:2rem;
  }
  .prod-hero-img{height:340px;}
  .prod-hero-rate{max-width:320px;}
}
.prod-hero .btn-prim{background:var(--teal);color:#fff;border:none;border-radius:2rem;padding:1rem 2.4rem;font-size:1rem;font-weight:700;cursor:pointer;font-family:inherit;transition:background .2s;box-shadow:0 4px 14px rgba(6,194,176,.3);display:inline-block;margin-top:.2rem}
.prod-hero .btn-prim:hover{background:var(--teal-d)}
.prod-hero-note{font-size:.74rem;color:#999;margin-top:.7rem}
.prod-hero-avis{display:flex;align-items:center;gap:.5rem;margin-top:1rem}
.prod-hero-avis-stars{color:#f5a623;font-size:1rem;letter-spacing:.05em}
.prod-hero-avis-txt{font-size:.82rem;color:#555}
@media(min-width:960px){.prod-hero h1{font-size:2.6rem}.prod-hero{padding:3.5rem 0 3rem}}

/* ════════════════════════
   BANDEAU CHIFFRES
════════════════════════ */
.prod-chiffres{background:#fff;border-bottom:3px solid var(--teal)}
.prod-chiffres .inner,.prod-chiffres .wrap{display:grid;grid-template-columns:repeat(2,1fr);max-width:var(--w);margin:0 auto;padding:0}
@media(min-width:700px){.prod-chiffres .inner,.prod-chiffres .wrap{grid-template-columns:repeat(4,1fr)}}
/* classes utilisées dans le HTML */
.chiffre-item,.prod-chiffre-item{padding:1.8rem 1rem;text-align:center;border-right:1px solid #e8edf2;border-bottom:1px solid #e8edf2;transition:background .2s}
.chiffre-item:hover,.prod-chiffre-item:hover{background:#f9fafb}
@media(min-width:700px){.chiffre-item:nth-child(3),.chiffre-item:nth-child(4),.prod-chiffre-item:nth-child(3),.prod-chiffre-item:nth-child(4){border-bottom:none}.chiffre-item:nth-child(4),.prod-chiffre-item:nth-child(4){border-right:none}}
@media(max-width:699px){.chiffre-item:nth-child(even),.prod-chiffre-item:nth-child(even){border-right:none}.chiffre-item:nth-last-child(-n+2),.prod-chiffre-item:nth-last-child(-n+2){border-bottom:none}}
.chiffre-val,.prod-chiffre-val{font-size:2.2rem;font-weight:800;color:var(--navy);display:block;line-height:1;margin-bottom:.35rem}
.chiffre-lab,.prod-chiffre-label,.prod-chiffre-desc{font-size:.85rem;font-weight:600;color:#666;line-height:1.3}

/* ════════════════════════
   AVANTAGES
════════════════════════ */
.prod-avantages{padding-top:5rem;padding-bottom:5rem}
.prod-avantages .wrap{max-width:1160px;margin:0 auto;padding:0 1.5rem}
.prod-section-hd{text-align:center;margin-bottom:3.5rem}
.prod-section-hd h2{font-size:2rem;font-weight:800;color:var(--navy);margin-bottom:.7rem;line-height:1.2}
.prod-section-hd p{font-size:1.05rem;color:#666;max-width:600px;margin:0 auto;line-height:1.6}
.prod-avantages-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
@media(min-width:700px){.prod-avantages-grid{grid-template-columns:repeat(3,1fr)}}
.prod-av-card{background:#fff;border-radius:20px;padding:2rem 1.6rem;border:1px solid #e4eaf0;transition:all .25s;display:flex;flex-direction:column;gap:.9rem}
.prod-av-card:hover{transform:translateY(-5px);box-shadow:0 16px 40px rgba(0,0,0,.1);border-color:rgba(6,194,176,.3)}
.prod-av-ico{width:56px;height:56px;border-radius:16px;background:linear-gradient(135deg,#e8faf8 0%,#d4f3ef 100%);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.prod-av-ico svg{color:var(--teal-d)}
.prod-av-card h3{font-size:1.05rem;font-weight:700;color:var(--navy);line-height:1.3}
.prod-av-card p{font-size:.93rem;color:#666;line-height:1.65;margin:0}

/* ════════════════════════
   ÉTAPES
════════════════════════ */
.prod-etapes{padding-top:5rem;padding-bottom:5rem}
.prod-etapes .wrap{max-width:1000px;margin:0 auto;padding:0 1.5rem}
.prod-etapes-grid{display:grid;grid-template-columns:1fr;gap:2.5rem;position:relative}
@media(min-width:700px){.prod-etapes-grid{grid-template-columns:repeat(3,1fr);gap:1.5rem}}
.prod-step{position:relative;text-align:center;padding:2rem 1.5rem;border-radius:20px;border:1px solid #e8edf2}
@media(min-width:700px){.prod-step:not(:last-child)::after{content:'→';position:absolute;right:-1.2rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--teal);z-index:1}}
.prod-step-num{width:62px;height:62px;border-radius:50%;background:var(--navy);color:#fff;font-size:1.6rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 1.3rem;box-shadow:0 6px 20px rgba(0,0,0,.3)}
.prod-step h3{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:.6rem}
.prod-step p{font-size:.95rem;color:#666;line-height:1.65;margin:0}

/* ════════════════════════
   EXEMPLE REPRÉSENTATIF
════════════════════════ */
.prod-exemple-wrap{padding-top:3rem;padding-bottom:3rem}
.prod-exemple-wrap .wrap{max-width:860px;margin:0 auto;padding:0 1.5rem}
.prod-exemple-box{background:linear-gradient(135deg,#f0f8ff,#e8f7f5);border:1.5px solid #b8dff5;border-radius:16px;padding:1.8rem 2rem}
.prod-exemple-box h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.8rem;text-transform:uppercase;letter-spacing:.05em;font-size:.82rem}
.prod-exemple-box p{font-size:.92rem;color:#444;line-height:1.85;margin:0}
.prod-exemple-box strong{color:inherit;font-weight:inherit}

/* ════════════════════════
   CTA BAND
════════════════════════ */
.prod-cta{background:#fff;padding:5rem 1.5rem;text-align:center;position:relative;overflow:hidden}
.prod-cta::before{display:none}
.prod-cta h2{font-size:2.2rem;font-weight:800;color:var(--navy);margin-bottom:.8rem}
.prod-cta p{font-size:1.05rem;color:#555;margin-bottom:2.5rem;line-height:1.6}
.prod-cta .btn-prim{background:var(--teal);color:#fff;border:none;border-radius:2rem;padding:1.2rem 3rem;font-size:1.1rem;font-weight:700;cursor:pointer;font-family:inherit;transition:all .2s;box-shadow:0 6px 24px rgba(6,194,176,.35)}
.prod-cta .btn-prim:hover{background:var(--teal-d);transform:translateY(-2px)}
.prod-cta-note{font-size:.78rem;color:#999;margin-top:1.2rem}
@media(min-width:700px){
  .prod-cta{
    background-image:linear-gradient(to right,#a8d8ec 0%,#c5e8f5 32%,rgba(197,232,245,.5) 54%,transparent 72%);
    background-color:#e8f5fb;
  }
  .prod-cta h2{color:#1a3a5c}
  .prod-cta p{color:rgba(20,50,80,.8)}
}
@media(min-width:960px){.prod-cta h2{font-size:2.6rem}}

/* ════════════════════════
   TRUST STRIP
════════════════════════ */
.prod-trust{background:var(--navy-d);padding:3rem 0}
.prod-trust .wrap{max-width:var(--w);margin:0 auto;padding:0 1.5rem}
.prod-trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}
@media(min-width:700px){.prod-trust-grid{grid-template-columns:repeat(4,1fr)}}
.prod-trust-item{text-align:center}
.prod-trust-val{font-size:2rem;font-weight:800;color:#fff;display:block}
.prod-trust-lbl{font-size:.85rem;color:rgba(255,255,255,.55);margin-top:.3rem;line-height:1.4}

/* ════════════════════════
   FAQ PRODUIT
════════════════════════ */
.prod-faq{padding-top:1.5rem;padding-bottom:1.5rem}
.prod-faq .wrap{max-width:800px;margin:0 auto;padding:0 1.5rem}
.prod-faq-hd{margin-bottom:2.5rem}
.prod-faq-hd h2{font-size:2rem;font-weight:800;color:var(--navy)}
.prod-faq-hd p{font-size:1rem;color:#666;margin-top:.5rem}
/* ── Bannière cookies ── */
.cookie-banner{
  position:fixed;bottom:0;left:0;right:0;z-index:9999;
  background:#0d1117;
  border-top:2px solid var(--teal);
  box-shadow:0 -4px 32px rgba(0,0,0,.4);
  padding:1rem 1.5rem calc(1rem + env(safe-area-inset-bottom));
  transform:translateY(100%);
  transition:transform .3s ease;
}
.cookie-banner.show{transform:translateY(0)}
.cookie-inner{max-width:var(--w);margin:0 auto;display:flex;flex-direction:column;gap:.75rem}
.cookie-title{font-size:.88rem;font-weight:800;color:#fff;margin-bottom:.3rem;letter-spacing:.02em}
.cookie-desc{font-size:.78rem;color:rgba(255,255,255,.6);line-height:1.6}
.cookie-desc a{color:var(--teal);text-decoration:underline}
.cookie-btns{display:flex;gap:.5rem;flex-wrap:wrap}
.cookie-btn-refuse{
  flex:1;min-width:110px;background:transparent;color:rgba(255,255,255,.65);
  border:1px solid rgba(255,255,255,.22);border-radius:2rem;
  padding:.55rem .9rem;font-size:.8rem;font-weight:700;font-family:inherit;cursor:pointer;
  transition:border-color .15s,color .15s;
}
.cookie-btn-refuse:hover{border-color:rgba(255,255,255,.55);color:#fff}
.cookie-btn-settings{
  flex:1;min-width:110px;background:transparent;color:rgba(255,255,255,.85);
  border:1px solid rgba(255,255,255,.4);border-radius:2rem;
  padding:.55rem .9rem;font-size:.8rem;font-weight:700;font-family:inherit;cursor:pointer;
  transition:border-color .15s,color .15s;
}
.cookie-btn-settings:hover{border-color:#fff;color:#fff}
.cookie-btn-accept{
  flex:1;min-width:110px;background:var(--teal);color:#fff;
  border:none;border-radius:2rem;
  padding:.55rem .9rem;font-size:.8rem;font-weight:700;font-family:inherit;cursor:pointer;
  transition:background .15s;
}
.cookie-btn-accept:hover{background:var(--teal-d)}
@media(min-width:700px){
  .cookie-inner{flex-direction:row;align-items:center;gap:2rem}
  .cookie-text{flex:1}
  .cookie-btns{flex-shrink:0;flex-wrap:nowrap;gap:.5rem}
  .cookie-btn-refuse,.cookie-btn-settings,.cookie-btn-accept{flex:none;min-width:auto}
}


/* ═══════════════════════════════════════════════
   SP5 — Formulaire multi-étapes (5A→5B→5C→5D)
════════════════════════════════════════════════*/

/* Hide bottombar on step 5 */
.sp5-active .sim-bottombar{ display:none !important; }

/* Sub-step visibility */
.sp5-sub{ display:none; }
.sp5-sub.s5-show{ display:block; }

/* Prevent horizontal overflow inside the simulator on step 5 */
#sp5{ width:100%;box-sizing:border-box;overflow-x:hidden; }

/* ── Stepper 2026 — segmenté style fintech ── */
.sp5-stepper{
  margin:0 0 1.8rem;
}
/* 4 barres colorées */
.sp5-seg-track{
  display:grid;grid-template-columns:repeat(4,1fr);gap:4px;
  margin-bottom:.65rem;
}
.sp5-seg{
  height:4px;border-radius:4px;
  background:#e4e7ec;
  transition:background .3s ease;
  position:relative;overflow:hidden;
}
/* Complété : teal plein */
.sp5-seg.done{
  background:var(--teal);
}
/* Actif : teal avec effet shimmer */
.sp5-seg.active{
  background:var(--teal);
}
.sp5-seg.active::after{
  content:'';
  position:absolute;inset:0;
  background:linear-gradient(90deg,transparent 0%,rgba(255,255,255,.4) 50%,transparent 100%);
  animation:sp5Shimmer 1.6s ease-in-out infinite;
}
@keyframes sp5Shimmer{
  0%{transform:translateX(-100%)}
  100%{transform:translateX(100%)}
}
/* Labels */
.sp5-step-labels{
  display:grid;grid-template-columns:repeat(4,1fr);gap:4px;
}
.sp5-slbl{
  font-size:.65rem;font-weight:600;color:#b0b7c3;
  text-align:center;white-space:nowrap;
  overflow:hidden;text-overflow:ellipsis;
  transition:color .25s,font-weight .25s;
  letter-spacing:.01em;
}
.sp5-slbl.active{
  color:var(--navy);font-weight:800;font-size:.68rem;
}
.sp5-slbl.done{ color:var(--teal); }

/* ── Title ── */
.sp5-title{
  font-size:1.25rem;font-weight:800;color:var(--navy);
  margin:0 0 1.2rem;
}

/* ── Labels & required star ── */
.sp5-lbl{
  display:block;font-size:.82rem;font-weight:700;
  color:var(--navy);margin-bottom:.35rem;
}
.sp5-req{ color:var(--teal);font-weight:800; }

/* ── Field group ── */
.sp5-field-group{ margin-bottom:1rem;position:relative; }

/* ── 2-column row ── */
.sp5-row2{ display:grid;grid-template-columns:1fr 1fr;gap:.9rem; }
@media(max-width:479px){
  .sp5-row2{ grid-template-columns:1fr; }
}

/* ── Civilité pills ── */
.sp5-civ-row{ display:flex;gap:.6rem;margin-top:.15rem; }
.sp5-civ-btn{
  flex:1;padding:.7rem 0;border-radius:2rem;border:2px solid #ddd;
  background:#fff;font-size:.95rem;font-weight:700;color:#666;
  cursor:pointer;transition:all .2s;font-family:inherit;
}
.sp5-civ-btn.active{
  border-color:var(--teal);background:var(--teal);color:#fff;
}

/* ── Inputs & selects ── */
.sp5-inp,.sp5-sel{
  width:100%;box-sizing:border-box;
  border:1.5px solid #ddd;border-radius:10px;
  padding:.72rem .9rem;font-size:.95rem;font-family:inherit;
  color:var(--navy);background:#fff;
  transition:border-color .2s;outline:none;
}
/* Ne pas supprimer l'apparence native sur les champs date (iOS) */
.sp5-sel{ -webkit-appearance:none;appearance:none; }
.sp5-inp[type="text"],.sp5-inp[type="email"],.sp5-inp[type="tel"],.sp5-inp[type="number"]{
  -webkit-appearance:none;appearance:none;
}
.sp5-inp:focus,.sp5-sel:focus{ border-color:var(--teal); }
.sp5-inp.err,.sp5-sel.err{ border-color:#e74c3c; }
.sp5-sel{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right .85rem center;
  padding-right:2.2rem;
}

/* ── Error text ── */
.sp5-err{
  display:none;font-size:.76rem;color:#e74c3c;
  margin-top:.3rem;font-weight:600;
}
.sp5-err.show{ display:block; }

/* ── 2-column professional layout (5B) ── */
.sp5-2col{
  display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;
  margin-bottom:.5rem;
}
@media(max-width:600px){
  .sp5-2col{ grid-template-columns:1fr; }
}
.sp5-col-block{
  background:#f8f9fb;border-radius:14px;padding:1rem 1.1rem;
}
.sp5-col-hd{
  font-size:.72rem;font-weight:800;color:var(--teal);
  letter-spacing:.06em;margin-bottom:.9rem;
}

/* ── Consent checkboxes ── */
.sp5-consent-block{ margin:1rem 0; }
.sp5-check-item{
  display:flex;align-items:flex-start;gap:.7rem;
  margin-bottom:.6rem;cursor:pointer;
}
.sp5-check-item input[type="checkbox"]{
  display:none;
}
.sp5-check-box{
  width:20px;height:20px;min-width:20px;border-radius:5px;
  border:2px solid #ccc;background:#fff;margin-top:.1rem;
  transition:all .2s;position:relative;
}
.sp5-check-item input:checked + .sp5-check-box{
  background:var(--teal);border-color:var(--teal);
}
.sp5-check-item input:checked + .sp5-check-box::after{
  content:'✓';position:absolute;top:50%;left:50%;
  transform:translate(-50%,-55%);color:#fff;font-size:.75rem;font-weight:800;
}
.sp5-check-txt{
  font-size:.82rem;color:#555;line-height:1.5;
}
.sp5-check-txt a{ color:var(--teal);text-decoration:underline; }

/* ── Document section ── */
.sp5-doc-section{ margin-bottom:1.3rem; }
.sp5-doc-sec-lbl{
  font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:.6rem;
}

/* ── Doc tabs (CNI / Passeport / Permis) ── */
.sp5-doc-tabs{
  display:flex;gap:.35rem;margin-bottom:.9rem;
  border-bottom:2px solid #eee;padding-bottom:.5rem;
  flex-wrap:nowrap;overflow-x:auto;
  -webkit-overflow-scrolling:touch;
  scrollbar-width:none;
}
.sp5-doc-tabs::-webkit-scrollbar{display:none;}
.sp5-doc-tab{
  padding:.38rem .65rem;border-radius:2rem;border:1.5px solid #ddd;
  background:#fff;font-size:.78rem;font-weight:700;color:#666;
  cursor:pointer;transition:all .2s;font-family:inherit;
  white-space:nowrap;flex-shrink:0;
}
.sp5-doc-tab.active{
  background:var(--navy);border-color:var(--navy);color:#fff;
}

/* ── Document panels ── */
.sp5-doc-panel{ }
.sp5-doc-panel-hide{ display:none; }

/* ── Upload grid (CNI recto+verso) ── */
.sp5-upload-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:.8rem;
}
@media(max-width:420px){
  .sp5-upload-grid{ grid-template-columns:1fr; }
}

/* ── Upload item ── */
.sp5-upload-item{
  border:2px dashed #ddd;border-radius:14px;
  padding:1.1rem .8rem;text-align:center;
  background:#fafafa;transition:border-color .2s,background .2s;
}
.sp5-upload-item.has-file{
  border-color:var(--teal);background:#f0faf9;border-style:solid;
}
.sp5-upload-lbl{
  font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:.2rem;
}
.sp5-upload-sub{ font-size:.72rem;color:#888;margin-bottom:.65rem; }
.sp5-upload-name{
  font-size:.75rem;color:var(--teal);font-weight:600;
  margin-top:.3rem;word-break:break-all;
}

/* ── Choisir button ── */
.sp5-choisir{
  background:var(--navy);color:#fff;border:none;border-radius:2rem;
  padding:.5rem 1.1rem;font-size:.82rem;font-weight:700;
  font-family:inherit;cursor:pointer;transition:background .2s;
}
.sp5-choisir:hover{ background:var(--teal); }
.sp5-upload-item.has-file .sp5-choisir{
  background:var(--teal);
}

/* ── Hidden file input ── */
.sp5-file-inp{ display:none !important; }

/* ── Navigation buttons ── */
.sp5-nav{
  display:flex;align-items:center;justify-content:space-between;
  margin-top:1.4rem;padding-top:1rem;border-top:1px solid #eee;
  gap:.8rem;
}
.sp5-back-btn{
  padding:.75rem 1.3rem;border-radius:2rem;
  border:2px solid var(--navy);background:#fff;
  font-size:.9rem;font-weight:700;color:var(--navy);
  cursor:pointer;font-family:inherit;transition:all .2s;
  white-space:nowrap;
}
.sp5-back-btn:hover{ background:var(--navy);color:#fff; }
.sp5-cont-btn{
  padding:.78rem 1.6rem;border-radius:2rem;
  background:var(--teal);color:#fff;border:none;
  font-size:.9rem;font-weight:700;font-family:inherit;
  cursor:pointer;transition:background .2s;white-space:nowrap;
}
.sp5-cont-btn:hover{ background:var(--teal-d); }
.sp5-send-btn{
  padding:.82rem 1.6rem;border-radius:2rem;
  background:var(--teal);color:#fff;border:none;
  font-size:.95rem;font-weight:800;font-family:inherit;
  cursor:pointer;transition:background .2s;white-space:nowrap;
  letter-spacing:.01em;
}
.sp5-send-btn:hover{ background:var(--teal-d); }
.sp5-arr{ font-size:1.1rem; }
.sp5-arr-l{ font-size:1.1rem; }

/* ══════════════════════════════════════════
   SP5 — Écran de confirmation professionnel
══════════════════════════════════════════ */
.sp5-confirm-wrap{
  padding:1rem 0 2rem;
  display:flex;flex-direction:column;align-items:center;
  text-align:center;
}
.sp5-confirm-check{
  width:64px;height:64px;margin:0 auto 1rem;
}
.sp5-confirm-check svg{ width:100%;height:100%; }
.sp5-confirm-hey{
  font-size:.9rem;color:#888;margin-bottom:.3rem;
}
.sp5-confirm-title{
  font-size:1.4rem;font-weight:800;color:var(--navy);
  margin:0 0 1.3rem;
}
/* Encadré numéro de dossier */
.sp5-confirm-ref-box{
  width:100%;background:linear-gradient(135deg,#f0faf9 0%,#e8f8f6 100%);
  border:1.5px solid var(--teal);border-radius:14px;
  padding:1rem 1.2rem;margin-bottom:1.5rem;
  display:flex;flex-direction:column;gap:.25rem;
  box-shadow:0 4px 16px rgba(6,194,176,.1);
}
.sp5-confirm-ref-lbl{
  font-size:.72rem;font-weight:700;color:var(--teal);
  text-transform:uppercase;letter-spacing:.08em;
}
.sp5-confirm-ref-num{
  font-size:1.15rem;font-weight:900;color:var(--navy);
  letter-spacing:.06em;font-variant-numeric:tabular-nums;
}
.sp5-confirm-ref-date{
  font-size:.75rem;color:#888;
}
/* Timeline des étapes suivantes */
.sp5-confirm-steps{
  width:100%;display:flex;flex-direction:column;gap:0;
  margin-bottom:1.3rem;text-align:left;
}
.sp5-confirm-step{
  display:flex;align-items:flex-start;gap:.9rem;
  padding:.65rem 0;
  border-left:2px solid #e4e7ec;
  margin-left:13px;padding-left:1.2rem;
  position:relative;
}
.sp5-confirm-step:first-child{ padding-top:0; }
.sp5-confirm-step:last-child{
  border-left-color:transparent;
}
.sp5-cs-dot{
  position:absolute;left:-13px;top:.6rem;
  width:24px;height:24px;border-radius:50%;
  background:var(--teal);color:#fff;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.sp5-confirm-step:first-child .sp5-cs-dot{ top:0; }
.sp5-cs-dot svg{ width:14px;height:14px; }
.sp5-cs-pending{
  background:#e4e7ec;color:#aaa;
  font-size:.72rem;font-weight:800;
}
.sp5-cs-body{
  display:flex;flex-direction:column;gap:.1rem;padding-top:.1rem;
}
.sp5-cs-body strong{
  font-size:.85rem;font-weight:700;color:var(--navy);
}
.sp5-cs-body span{
  font-size:.75rem;color:#888;
}
/* Note email */
.sp5-confirm-email-note{
  font-size:.78rem;color:#aaa;margin-bottom:1.2rem;
  padding:0 1rem;
}
/* Bouton fermer */
.sp5-confirm-close{
  background:var(--navy);color:#fff;border:none;
  border-radius:2rem;padding:.8rem 2.2rem;
  font-size:.95rem;font-weight:700;font-family:inherit;
  cursor:pointer;transition:background .2s;
}
.sp5-confirm-close:hover{ background:var(--teal); }

/* ── Section mot de passe espace client (sp5d) ── */
.sp5-pwd-hint{
  font-size:.82rem;color:#6b7280;margin:.05rem 0 .8rem;line-height:1.45;
}
.sp5-pwd-row{ display:flex;flex-direction:column;gap:.5rem; }
.sp5-pwd-wrap{ position:relative; }
.sp5-pwd-wrap .sp5-inp{ padding-right:2.8rem; }
.sp5-eye-btn{
  position:absolute;right:.75rem;top:50%;transform:translateY(-50%);
  background:none;border:none;padding:0;cursor:pointer;
  color:#9ca3af;display:flex;align-items:center;opacity:.7;
  transition:opacity .2s;
}
.sp5-eye-btn:hover{ opacity:1;color:var(--navy); }
.sp5-pwd-strength{
  display:flex;gap:4px;margin-top:.1rem;
}
.sp5-pwd-strength span{
  flex:1;height:4px;border-radius:4px;background:#e4e7ec;transition:background .25s;
}
.sp5-pwd-strength.weak span:first-child{ background:#ef4444; }
.sp5-pwd-strength.medium span:first-child,
.sp5-pwd-strength.medium span:nth-child(2){ background:#f59e0b; }
.sp5-pwd-strength.strong span{ background:var(--teal); }
/* CTA primaire confirmation */
.sp5-confirm-cta{
  display:block;text-align:center;text-decoration:none;
  background:var(--teal);color:#fff;
  border-radius:2rem;padding:.85rem 2.2rem;
  font-size:.95rem;font-weight:700;margin-bottom:.6rem;
  transition:background .2s;
}
.sp5-confirm-cta:hover{ background:var(--teal-d); }
.sp5-confirm-secondary{
  background:none;color:#aaa;border:none;
  font-size:.82rem;font-family:inherit;cursor:pointer;
  padding:.3rem;text-decoration:underline;
}

/* ══════════════════════════════════════════════════════════
   AMÉLIORATIONS DESKTOP — MISE EN PAGE PROFESSIONNELLE
══════════════════════════════════════════════════════════ */

/* ── Hero accueil : H1 taille mobile ── */
.hero-banner h1{color:#0d2748;font-size:1.65rem;font-weight:800;line-height:1.25}

/* ── Hero desktop : couleur sombre lisible sur fond bleu clair ── */
@media(min-width:700px){
  .hero-upper-inner{justify-content:center}
  .hero-text-col{flex:none;text-align:center;max-width:440px}
  .hero-upper-inner .hero-text-col h1{color:#0a2040;font-size:2.5rem;line-height:1.15;font-weight:800}
  .hero-upper-inner .hero-text-col .hero-sub{color:rgba(10,32,64,.75);font-size:1rem;line-height:1.65}
}

/* ── Section produits accueil : titre agrandi ── */
@media(min-width:960px){
  .prod-group-hd h2{font-size:2rem}
  .prod-group-hd p{font-size:1rem}
}

/* ── Avantages accueil : 4 colonnes sur grand écran ── */
@media(min-width:1100px){
  .av-grid{grid-template-columns:repeat(4,1fr);gap:1.4rem}
}

/* ── Footer : grille 4 colonnes (place des accordéons mobiles) ── */
@media(min-width:960px){
  .footer .ft-nav{
    display:grid;
    grid-template-columns:repeat(5,1fr);
    gap:0 2.5rem;
    padding:3rem 2rem;
    max-width:var(--w);
    margin:0 auto;
  }
  .footer .ft-nav-item{border-bottom:none}
  .footer .ft-nav-btn{
    display:block;
    font-size:.74rem;font-weight:800;
    letter-spacing:.08em;text-transform:uppercase;
    padding:0 0 .9rem;
    border:none;border-bottom:1px solid rgba(255,255,255,.12);
    pointer-events:none;cursor:default;
    background:none;color:#fff;
    text-align:left;width:100%;
    justify-content:flex-start;
  }
  .footer .ft-nav-item:last-child .ft-nav-btn{
    border-bottom:1px solid rgba(255,255,255,.12);
  }
  .footer .ft-chev{display:none}
  .footer .ft-acc-list{
    display:block !important;
    padding:0;margin-top:.7rem;
  }
  .footer .ft-acc-list li a{
    padding:.38rem 0;font-size:.84rem;
    border-bottom:none;color:rgba(255,255,255,.55);
  }
  .footer .ft-sep{margin:0 2rem}
}

/* ── Hero produit desktop : 3 colonnes (texte | image | taux) ── */
@media(min-width:960px){
  .prod-hero{
    padding:4rem 0;
    background-image:linear-gradient(to right,#a8d8ec 0%,#c5e8f5 32%,rgba(197,232,245,.5) 54%,transparent 72%);
    background-color:#e8f5fb;
  }

  /* 2 colonnes : texte | image (sans carte taux) */
  .prod-hero .inner{
    display:flex !important;
    flex-direction:row;
    align-items:center;
    gap:3rem;
  }
  /* Carte taux cachée sur desktop aussi */
  .prod-hero .prod-hero-rate{display:none !important}

  /* Bloc texte */
  .prod-hero-text{
    flex:1;
    display:flex;
    flex-direction:column;
    align-items:flex-start;
  }
  .prod-hero-text .prod-hero-eyebrow{
    background:none;color:#1a5c7a;
    font-size:.95rem;font-weight:700;
    padding:0;border-radius:0;letter-spacing:.01em;
    margin-bottom:.5rem;display:block;
  }
  .prod-hero-text h1{font-size:2.4rem;margin-bottom:1.2rem;color:#0a2040}
  .prod-hero-text .prod-hero-note{color:rgba(10,32,64,.6)}
  .prod-hero-text .prod-hero-avis-txt{color:rgba(10,32,64,.75)}
  .prod-hero-text .btn-prim{display:inline-block;width:auto}
  .prod-hero-text .prod-hero-note{margin-top:.8rem}
  .prod-hero-text .prod-hero-avis{margin-top:.6rem}

  /* Image */
  .prod-hero-img-wrap{
    flex:0 0 48%;
    height:420px;
    border-radius:28px;
    overflow:hidden;
    background:#f0f0f0;
    box-shadow:0 16px 48px rgba(0,0,0,.13);
    display:block;
    margin:0;
    padding-top:0;
    width:auto;
    order:0;
  }
  .prod-hero-img{
    width:100%;height:100%;
    object-fit:cover;object-position:center;
    position:static;
  }

  /* Carte taux — blanche sur fond gradient (style homepage) */
  .prod-hero .prod-hero-rate{
    display:block;
    flex:0 0 200px;
    align-self:flex-start;
    background:#fff;
    border:none;border-radius:14px;
    max-width:none;padding:0;
    box-shadow:0 8px 32px rgba(0,0,0,.15);
  }
  .prod-hero .prod-hero-rate .prod-hero-rate-inner{padding:1.3rem 1.4rem 1.2rem}
  .prod-hero .prod-hero-rate::before{
    background:var(--teal);color:#fff;
    border-radius:14px 14px 0 0;font-size:.72rem;font-weight:700;
    letter-spacing:.04em;text-transform:uppercase;
  }
  .prod-hero .prod-hero-rate .prod-hero-rate-num{color:var(--navy)}
  .prod-hero .prod-hero-rate .prod-hero-rate-pct{color:var(--navy)}
  .prod-hero .prod-hero-rate .prod-hero-rate-lab{color:#555}
  .prod-hero .prod-hero-rate .prod-hero-rate-info{border-top:1px solid #e4ecf2}
  .prod-hero .prod-hero-rate .prod-hero-rate-info span{color:#666;font-size:.8rem}
}

/* ── Sections produit desktop ── */
@media(min-width:960px){
  .editorial.inner,
  .prod-avantages.inner,
  .prod-caract-wrap.inner,
  .prod-documents-wrap.inner,
  .prod-etapes.inner,
  .prod-eligibilite-wrap.inner,
  .prod-audience.inner,
  .prod-exemple-wrap.inner,
  .prod-faq.inner,
  .prod-mention-reg.inner,
  .prod-cta.inner{max-width:1040px}
  .editorial h2,
  .prod-caract-wrap h2,
  .prod-etapes h2,
  .prod-eligibilite-wrap h2,
  .prod-documents-wrap h2,
  .prod-avantages h2,
  .prod-faq h2{font-size:1.65rem;margin-bottom:1.5rem}
  .editorial p{font-size:1rem;line-height:1.9}
  .prod-caract-wrap{padding:3rem}
  .caract-table td{padding:.9rem 1.2rem;font-size:1rem}
  .prod-avantages{padding-top:4rem;padding-bottom:4rem}
}
.sp5-confirm-secondary:hover{ color:var(--navy); }

/* ── Steps section ── */
.steps-section{background:#f7fafc;padding:4rem 1.5rem}
.steps-title{text-align:center;font-size:1.55rem;font-weight:800;color:var(--navy);margin-bottom:2.5rem}
.steps-grid{display:grid;grid-template-columns:1fr;gap:1.5rem;max-width:960px;margin:0 auto}
.step-item{background:#fff;border-radius:16px;padding:2rem 1.5rem;box-shadow:0 2px 12px rgba(0,0,0,.06);display:flex;flex-direction:column;align-items:center;text-align:center;gap:.75rem}
.step-num{width:48px;height:48px;border-radius:50%;background:var(--teal);color:#fff;font-size:1.3rem;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.step-label{font-size:1.05rem;font-weight:700;color:var(--navy);margin:0}
.step-desc{font-size:.9rem;color:#555;line-height:1.7;margin:0}
@media(min-width:600px){.steps-grid{grid-template-columns:1fr 1fr}}
@media(min-width:960px){
  .steps-grid{grid-template-columns:repeat(4,1fr)}
  .steps-title{font-size:1.9rem}
}

/* ── CTA strip (remplace section besoin-credit) ── */
.cta-strip{background:var(--navy);padding:3.5rem 1.5rem}
.cta-strip-inner{
  max-width:880px;margin:0 auto;
  display:flex;flex-direction:column;gap:1.5rem;align-items:flex-start;
}
.cta-strip h2{color:#fff;font-size:1.35rem;font-weight:800;line-height:1.3}
.cta-strip p{color:rgba(255,255,255,.72);font-size:.95rem;line-height:1.7;margin-top:.4rem}
.cta-strip-btn{
  display:inline-block;width:auto;
  padding:.78rem 2.2rem;font-size:.95rem;
  border-radius:2rem;flex-shrink:0;
}
@media(min-width:700px){
  .cta-strip-inner{flex-direction:row;align-items:center;gap:3rem}
  .cta-strip-inner>div{flex:1}
}

/* ── FAQ : lien texte propre (remplace btn-orange) ── */
.faq-more{margin-top:1.4rem}
.faq-more-link{
  display:inline-block;
  color:var(--teal);font-size:.92rem;font-weight:700;
  text-decoration:underline;text-underline-offset:.25em;
  transition:color .15s;
}
.faq-more-link:hover{color:var(--teal-d)}