/* =========================================================
   Charte « nuit » : commune à la chaîne et au site
   ========================================================= */
@font-face { font-family: "Manrope"; src: url("manrope-latin-wght-normal.woff2") format("woff2"); font-weight: 200 800; font-display: swap; }

:root {
  /* Charte B « Encre et or » : commune à la chaîne et au site */
  /* Fonds */
  --nuit: #0C1422;      /* Encre : fond */
  --nuit-2: #0F1828;    /* fond des sections alternées */
  --surface: #141F33;   /* Nuit bleue : cartes */
  --surface-2: #1A2740; /* champs, éléments dans les cartes */
  --ligne: rgba(120, 145, 185, .16);
  --ligne-forte: #26354F; /* Trait */
  /* Texte */
  --texte: #F2EFE8;     /* blanc chaud */
  --doux: #9BA5B6;      /* Perle */
  --pale: #6E7889;
  /* Marque */
  --bleu: #3D6AA8;      /* Bleu acier : marque, graphiques */
  --bleu-clair: #7FA2D4;
  --or: #E2B24C;        /* Or : actions et bonnes nouvelles uniquement */
  --or-clair: #F0C76E;
  --grad: linear-gradient(180deg, #F0C76E 0%, #E2B24C 100%);
  --glow: 0 10px 30px -10px rgba(226,178,76,.55);
  /* Sens : sans rouge ni vert */
  --refus: #9BA5B6;                     /* refus = gris, souvent barré */
  --refus-fond: rgba(155,165,182,.12);
  --accord: #E2B24C;                    /* accord = or */
  --accord-fond: rgba(226,178,76,.13);

  --titre: "Manrope", system-ui, sans-serif;
  --corps: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;
  --r: 14px;
  --max: 1180px;
  --gutter: clamp(16px, 4vw, 40px);
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--corps); font-size: 17px; line-height: 1.65; color: var(--texte); background: var(--nuit); overflow-x: hidden; -webkit-font-smoothing: antialiased; }
img, svg, iframe { max-width: 100%; display: block; }
a { color: var(--bleu-clair); text-underline-offset: 3px; }
a:hover { color: var(--or-clair); }
:focus-visible { outline: 2px solid var(--or); outline-offset: 3px; border-radius: 6px; }
::selection { background: rgba(61,106,168,.45); }

h1, h2, h3 { font-family: var(--titre); line-height: 1.08; margin: 0 0 .5em; font-weight: 800; letter-spacing: -0.025em; text-wrap: balance; }
h1 { font-size: clamp(38px, 5.6vw, 68px); --fs: 84%; }
h2 { font-size: clamp(30px, 3.6vw, 44px); --fs: 86%; }
h3 { font-size: 21px; --fs: 100%; letter-spacing: -0.01em; line-height: 1.2; }
p { margin: 0 0 1em; text-wrap: pretty; }
sup { line-height: 0; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.narrow { max-width: 780px; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font: 600 13px/1 var(--corps); letter-spacing: .14em; text-transform: uppercase; color: var(--doux); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 22px; height: 2px; background: var(--or); border-radius: 2px; }
.grad-text { color: var(--or); }
.num { font-family: var(--titre); --fs: 70%; font-weight: 800; font-variant-numeric: tabular-nums; }
.lead { font-size: clamp(18px, 1.8vw, 21px); color: var(--doux); max-width: 640px; }
.muted { color: var(--doux); }

/* ---------- Boutons ---------- */
.btn {
  position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 56px; padding: 0 28px; border-radius: 12px; border: 0; isolation: isolate; overflow: hidden;
  font: 700 17px/1 var(--corps); text-decoration: none; cursor: pointer; color: var(--nuit);
  background: var(--grad); box-shadow: var(--glow);
  transition: transform .2s, box-shadow .2s;
}
.btn::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, transparent 20%, rgba(255,255,255,.45) 50%, transparent 80%); transform: translateX(-120%); transition: transform .7s; }
.btn:hover { color: var(--nuit); transform: translateY(-2px); box-shadow: 0 0 0 1px rgba(61,106,168,.5), 0 24px 60px -12px rgba(226,178,76,.55); }
.btn:hover::after { transform: translateX(120%); }
.btn:active { transform: translateY(0); }
.btn svg { width: 19px; height: 19px; flex: none; transition: transform .2s; }
.btn:hover svg { transform: translateX(3px); }
.btn-ghost { background: rgba(255,255,255,.04); box-shadow: inset 0 0 0 1px var(--ligne-forte); color: var(--texte); }
.btn-ghost:hover { background: rgba(255,255,255,.08); box-shadow: inset 0 0 0 1px var(--bleu-clair); color: var(--texte); }
.btn-sm { min-height: 42px; padding: 0 18px; font-size: 15px; }
.btn-block { width: 100%; }

/* ---------- En-tête ---------- */
.top { position: sticky; top: 0; z-index: 40; background: rgba(12,20,34,.72); backdrop-filter: blur(14px) saturate(140%); -webkit-backdrop-filter: blur(14px) saturate(140%); border-bottom: 1px solid var(--ligne); }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 70px; }
.logo { display: flex; align-items: center; gap: 11px; font: 800 19px/1 var(--titre); --fs: 92%; color: var(--texte); text-decoration: none; white-space: nowrap; letter-spacing: -0.01em; }
.logo:hover { color: var(--texte); }
.logo-mark { width: 34px; height: 34px; border-radius: 10px; background: var(--or); display: grid; place-items: center; flex: none; box-shadow: none; }
.logo-mark svg { width: 20px; height: 20px; }
.top nav { display: flex; align-items: center; gap: 28px; }
.top nav a:not(.btn) { color: var(--doux); text-decoration: none; font-weight: 500; font-size: 15px; transition: color .15s; }
.top nav a:not(.btn):hover { color: var(--texte); }
@media (max-width: 780px) { .top nav a:not(.btn) { display: none; } .top .wrap { height: 62px; } .logo { font-size: 17px; } }

/* ---------- Sections ---------- */
section { padding: clamp(72px, 10vw, 128px) 0; position: relative; }
.alt { background: var(--nuit-2); border-top: 1px solid var(--ligne); border-bottom: 1px solid var(--ligne); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.center { text-align: center; margin-left: auto; margin-right: auto; }
.center .lead { margin-left: auto; margin-right: auto; }

/* Fond : grille fine + halo bleu */
.backdrop { position: absolute; inset: 0; z-index: -1; overflow: hidden; pointer-events: none; }
.backdrop::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(var(--ligne) 1px, transparent 1px), linear-gradient(90deg, var(--ligne) 1px, transparent 1px); background-size: 64px 64px; mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, #000 30%, transparent 75%); -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, #000 30%, transparent 75%); opacity: .55; }
.halo { position: absolute; border-radius: 50%; filter: blur(80px); opacity: .55; }
.halo.h1 { width: 620px; height: 620px; background: #24477A; top: -260px; left: -160px; animation: drift 18s ease-in-out infinite alternate; }
.halo.h2 { width: 520px; height: 520px; background: #2B4A6E; top: -120px; right: -180px; opacity: .35; animation: drift 22s ease-in-out infinite alternate-reverse; }
@keyframes drift { to { transform: translate(60px, 40px) scale(1.08); } }

/* ---------- Bandeau d'ouverture ---------- */
.hero { padding: clamp(56px, 8vw, 104px) 0 clamp(72px, 9vw, 120px); isolation: isolate; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(36px, 5vw, 72px); align-items: center; }
.hero h1 { margin-bottom: 24px; }
.hero .lead { margin-bottom: 34px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-ctas .btn { padding: 0 24px; }
.pill { display: inline-flex; align-items: center; gap: 10px; padding: 7px 14px 7px 8px; border-radius: 999px; background: rgba(61,106,168,.1); border: 1px solid rgba(61,106,168,.3); font-size: 14px; font-weight: 500; color: var(--bleu-clair); margin-bottom: 26px; }
.pill b { background: var(--or); color: var(--nuit); padding: 3px 10px; border-radius: 999px; font-size: 12px; font-weight: 600; }
.proof { display: flex; flex-wrap: wrap; gap: 10px 24px; margin: 30px 0 0; font-size: 14px; color: var(--doux); padding: 0; list-style: none; }
.proof li { display: flex; align-items: center; gap: 8px; }
.proof svg { width: 17px; height: 17px; color: var(--or); flex: none; }
@media (max-width: 940px) { .hero .wrap { grid-template-columns: 1fr; } }

/* Scène animée : le mail de refus devient un accord (repris de la vidéo) */
.stage { position: relative; aspect-ratio: 1 / 1.08; max-width: 520px; width: 100%; margin-left: auto; }
@media (max-width: 940px) { .stage { margin: 0 auto; max-width: 440px; } }
.glass { background: linear-gradient(180deg, rgba(26,39,64,.92), rgba(20,31,51,.92)); border: 1px solid var(--ligne-forte); border-radius: 22px; box-shadow: 0 40px 80px -30px rgba(0,0,0,.7), inset 0 1px 0 rgba(255,255,255,.06); backdrop-filter: blur(10px); }
.mail { position: absolute; left: 0; top: 0; width: 80%; padding: 22px 24px 24px; }
.mail-top { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; padding-right: 110px; }
.avatar { width: 40px; height: 40px; border-radius: 12px; background: var(--surface-2); border: 1px solid var(--ligne-forte); display: grid; place-items: center; flex: none; }
.avatar svg { width: 22px; height: 22px; color: var(--doux); }
.mail-from { font-weight: 600; font-size: 15px; line-height: 1.2; }
.mail-meta { font-size: 13px; color: var(--pale); }
.mail-subj { font: 700 18px/1.25 var(--titre); margin-bottom: 8px; }
.mail-body { font-size: 14px; color: var(--doux); line-height: 1.55; }
.mail-body .sk { display: block; height: 9px; border-radius: 5px; background: rgba(120,145,185,.13); margin-top: 10px; }
.stamp { position: absolute; right: 18px; top: 18px; padding: 8px 16px; border-radius: 10px; font: 800 20px/1 var(--titre); letter-spacing: .04em; text-transform: uppercase; border: 2.5px solid currentColor; transform: rotate(-8deg); }
.stamp.no { color: var(--doux); background: var(--refus-fond); text-decoration: line-through; text-decoration-thickness: 2px; }
.stamp.yes { color: var(--accord); background: var(--accord-fond); }

.meter { position: absolute; right: 0; top: 46%; width: 70%; z-index: 2; padding: 20px 22px 22px; }
.meter-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 14px; }
.meter-head > span:first-child { font-size: 13px; color: var(--doux); font-weight: 500; }
.meter-val { font: 800 40px/1 var(--titre); --fs: 68%; font-variant-numeric: tabular-nums; transition: color .4s; }
.track { position: relative; height: 14px; border-radius: 8px; background: linear-gradient(90deg, rgba(61,106,168,.22) 0 58.33%, rgba(155,165,182,.12) 58.33% 100%); }
.track .fill { position: absolute; left: 0; top: 0; bottom: 0; border-radius: 8px; width: 0; background: var(--bleu-clair); transition: width 1.2s cubic-bezier(.65,0,.35,1), background .4s; }
.track .wall { position: absolute; left: 58.33%; top: -8px; bottom: -8px; width: 3px; border-radius: 2px; background: var(--texte); }
.track-legend { display: flex; justify-content: space-between; margin-top: 12px; font-size: 12px; color: var(--pale); }
.track-legend b { color: var(--texte); font-weight: 600; }

.bank-row { position: absolute; left: 6%; bottom: 0; width: 88%; display: flex; gap: 10px; padding: 14px; }
.bank { flex: 1; border-radius: 12px; padding: 12px 8px; text-align: center; background: var(--surface-2); border: 1px solid var(--ligne); font-size: 12px; color: var(--doux); transition: border-color .4s, background .4s, transform .4s; }
.bank i { display: block; width: 26px; height: 26px; margin: 0 auto 6px; border-radius: 8px; }
.bank.no { border-color: rgba(155,165,182,.55); background: var(--refus-fond); }
.bank.yes { border-color: rgba(226,178,76,.7); background: var(--accord-fond); transform: translateY(-6px); color: var(--texte); }

.anim-step { transition: opacity .6s, transform .6s cubic-bezier(.16,1,.3,1); }
.hidden-s { opacity: 0; transform: translateY(14px) scale(.96); }

/* ---------- Cartes « problème » avec mini visuel ---------- */
.problems { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
@media (max-width: 820px) { .problems { grid-template-columns: 1fr; } }
.pcard { position: relative; background: var(--surface); border: 1px solid var(--ligne); border-radius: 22px; padding: 30px; overflow: hidden; transition: border-color .3s, transform .3s; }
.pcard:hover { border-color: var(--ligne-forte); transform: translateY(-3px); }
.pcard::before { content: ""; position: absolute; inset: 0; background: radial-gradient(500px circle at var(--mx, 50%) var(--my, 0%), rgba(61,106,168,.13), transparent 40%); opacity: 0; transition: opacity .3s; pointer-events: none; }
.pcard:hover::before { opacity: 1; }
.pnum { font: 700 12px/1 var(--corps); letter-spacing: .08em; text-transform: uppercase; color: var(--bleu-clair); display: inline-flex; gap: 8px; align-items: center; padding: 6px 12px; border-radius: 999px; background: rgba(61,106,168,.16); margin-bottom: 20px; }
.pcard h3 { font-size: 23px; margin-bottom: 10px; }
.pcard p { color: var(--doux); font-size: 16px; }
.viz { margin: 22px 0; padding: 18px; border-radius: 14px; background: var(--nuit-2); border: 1px solid var(--ligne); }
.fix { display: flex; gap: 12px; align-items: flex-start; padding-top: 18px; border-top: 1px dashed var(--ligne-forte); font-size: 15px; color: var(--texte); margin: 0; }
.fix svg { width: 20px; height: 20px; color: var(--or); flex: none; margin-top: 2px; }

/* mini barres */
.mini-track { position: relative; height: 10px; border-radius: 6px; background: linear-gradient(90deg, rgba(61,106,168,.22) 0 58.33%, rgba(155,165,182,.12) 58.33% 100%); }
.mini-track .fill { position: absolute; inset: 0 auto 0 0; border-radius: 6px; background: linear-gradient(90deg, var(--bleu-clair) 0 92%, transparent 92%), repeating-linear-gradient(135deg, rgba(155,165,182,.55) 0 4px, rgba(155,165,182,.25) 4px 8px); width: 0; transition: width 1.4s cubic-bezier(.65,0,.35,1); }
.in .mini-track .fill { width: 63.3%; }
.mini-track .wall { position: absolute; left: 58.33%; top: -6px; bottom: -6px; width: 2px; background: var(--texte); }
.mini-legend { display: flex; justify-content: space-between; font-size: 12px; color: var(--pale); margin-top: 10px; }
.mini-legend b { color: var(--refus); }
.stack { display: flex; height: 30px; border-radius: 8px; overflow: hidden; position: relative; }
.stack span { display: grid; place-items: center; font-size: 11px; font-weight: 600; color: #fff; transform-origin: left; transform: scaleX(0); transition: transform .8s cubic-bezier(.16,1,.3,1); white-space: nowrap; overflow: hidden; }
.in .stack span { transform: scaleX(1); }
.in .stack span:nth-child(2) { transition-delay: .25s; }
.in .stack span:nth-child(3) { transition-delay: .5s; }
.stack-wrap { position: relative; margin-bottom: 22px; }
.stack-wrap .ceil { position: absolute; left: 82%; top: -8px; bottom: -8px; width: 3px; border-radius: 2px; background: var(--texte); }
.stack-wrap .ceil::after { content: "Usure 5,40 %"; position: absolute; top: calc(100% + 4px); left: 50%; transform: translateX(-50%); font-size: 11px; color: var(--texte); white-space: nowrap; font-weight: 700; }
.checks { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.checks div { padding: 10px 8px; border-radius: 10px; background: var(--surface-2); border: 1px solid var(--ligne); text-align: center; font-size: 12px; color: var(--doux); }
.checks div b { display: block; font-size: 16px; margin-bottom: 2px; }
.checks .ok b { color: var(--accord); }
.checks .ko { border-color: rgba(155,165,182,.45); }
.checks .ko b { color: var(--doux); }
.checks .ko { text-decoration: line-through; }
.timer { display: flex; align-items: center; gap: 14px; }
.ring { width: 54px; height: 54px; flex: none; }
.ring circle { fill: none; stroke-width: 6; }
.ring .bg { stroke: rgba(120,145,185,.16); }
.ring .fg { stroke: var(--or); stroke-linecap: round; stroke-dasharray: 151; stroke-dashoffset: 151; transform: rotate(-90deg); transform-origin: center; transition: stroke-dashoffset 1.6s cubic-bezier(.65,0,.35,1); }
.in .ring .fg { stroke-dashoffset: 60; }
.timer b { font: 800 26px/1 var(--titre); --fs: 70%; display: block; }
.timer span { font-size: 13px; color: var(--doux); }

/* ---------- Calculateur d'endettement ---------- */
.calc-box { display: grid; grid-template-columns: 1fr 1.05fr; gap: 0; border-radius: 26px; overflow: hidden; border: 1px solid var(--ligne-forte); background: var(--surface); box-shadow: 0 50px 100px -40px rgba(0,0,0,.8); }
@media (max-width: 880px) { .calc-box { grid-template-columns: 1fr; } }
.calc-in { padding: clamp(24px, 4vw, 40px); display: grid; gap: 18px; align-content: start; }
.calc-out { padding: clamp(24px, 4vw, 40px); background: radial-gradient(circle at 70% 0%, rgba(61,106,168,.28), transparent 60%), var(--nuit-2); border-left: 1px solid var(--ligne); display: flex; flex-direction: column; }
@media (max-width: 880px) { .calc-out { border-left: 0; border-top: 1px solid var(--ligne); } }
.big-rate { font: 800 clamp(64px, 8vw, 96px)/.95 var(--titre); --fs: 66%; font-variant-numeric: tabular-nums; letter-spacing: -0.02em; transition: color .4s; }
.verdict { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; font-weight: 600; font-size: 14px; margin: 18px 0 22px; align-self: flex-start; transition: background .3s, color .3s; }
.verdict.ok { background: var(--accord-fond); color: var(--accord); }
.verdict.warn { background: rgba(61,106,168,.2); color: var(--bleu-clair); }
.verdict.ko { background: var(--refus-fond); color: var(--refus); }
.calc-note { font-size: 15px; color: var(--doux); margin: 22px 0 24px; min-height: 3.2em; }
.calc-out .btn { margin-top: auto; }

/* ---------- Étapes ---------- */
.steps { display: grid; gap: 18px; grid-template-columns: repeat(3, 1fr); counter-reset: s; padding: 0; margin: 0; list-style: none; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }
.steps li { position: relative; padding: 28px; border-radius: 20px; background: var(--surface); border: 1px solid var(--ligne); }
.steps li::before { counter-increment: s; content: "0" counter(s); display: block; font: 800 44px/1 var(--titre); --fs: 66%; margin-bottom: 22px; color: var(--or); }
.steps p { color: var(--doux); font-size: 16px; margin: 0; }

/* ---------- Vidéo ---------- */
.video-row { display: grid; grid-template-columns: 1.2fr 1fr; gap: clamp(28px, 4vw, 64px); align-items: center; }
@media (max-width: 880px) { .video-row { grid-template-columns: 1fr; } }
.video-frame { position: relative; display: block; aspect-ratio: 16/9; border-radius: 20px; overflow: hidden; background: var(--surface); border: 1px solid var(--ligne-forte); box-shadow: 0 40px 80px -30px rgba(0,0,0,.8), 0 0 80px -20px rgba(61,106,168,.35); }
.video-frame img, .video-frame iframe { width: 100%; height: 100%; object-fit: cover; border: 0; transition: transform .6s; }
.video-frame:hover img { transform: scale(1.03); }
.video-frame .play { position: absolute; inset: 0; display: grid; place-items: center; background: linear-gradient(180deg, transparent 40%, rgba(12,20,34,.5)); }
.video-frame .play span { width: 76px; height: 76px; border-radius: 50%; background: var(--or); display: grid; place-items: center; box-shadow: var(--glow); animation: pulse 2.4s infinite; }
.video-frame .play svg { width: 28px; height: 28px; margin-left: 4px; }
@keyframes pulse { 0%, 100% { box-shadow: 0 0 0 0 rgba(61,106,168,.6); } 50% { box-shadow: 0 0 0 16px rgba(61,106,168,0); } }

/* ---------- Chiffres ---------- */
.figures { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--ligne); border: 1px solid var(--ligne); border-radius: 22px; overflow: hidden; }
@media (max-width: 860px) { .figures { grid-template-columns: 1fr 1fr; } }
.figure { background: var(--nuit-2); padding: 30px 26px; }
.figure .num { font-size: clamp(40px, 4.6vw, 56px); color: var(--or); line-height: 1; display: block; margin-bottom: 12px; }
.figure span:last-child { font-size: 14px; color: var(--doux); line-height: 1.45; display: block; }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--ligne); }
.faq details { border-bottom: 1px solid var(--ligne); }
.faq summary { list-style: none; cursor: pointer; padding: 24px 48px 24px 0; font: 600 18px/1.35 var(--corps); position: relative; transition: color .15s; }
.faq summary:hover { color: var(--bleu-clair); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%); width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: var(--surface-2); font-size: 20px; font-weight: 400; color: var(--bleu-clair); transition: transform .25s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { color: var(--doux); padding-right: 44px; }

/* ---------- Appel final ---------- */
.cta-final { text-align: center; }
.cta-card { position: relative; border-radius: 30px; padding: clamp(48px, 7vw, 88px) var(--gutter); background: radial-gradient(ellipse at 50% 0%, rgba(61,106,168,.35), transparent 65%), var(--surface); border: 1px solid var(--ligne-forte); overflow: hidden; }
.cta-card .lead { margin: 0 auto 32px; }

/* ---------- Pied de page ---------- */
footer { border-top: 1px solid var(--ligne); background: var(--nuit); color: var(--doux); padding: 56px 0 40px; font-size: 14px; }
footer .wrap { display: grid; gap: 28px; }
footer .cols { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 24px; }
footer a { color: var(--doux); text-decoration: none; }
footer a:hover { color: var(--texte); }
footer .links { display: flex; flex-wrap: wrap; gap: 8px 24px; }
footer .legal { border-top: 1px solid var(--ligne); padding-top: 22px; font-size: 12.5px; line-height: 1.65; color: var(--pale); margin: 0; }

/* ---------- Apparition au défilement ---------- */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .8s cubic-bezier(.16,1,.3,1), transform .8s cubic-bezier(.16,1,.3,1); }
.js .reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; } .reveal.d2 { transition-delay: .16s; } .reveal.d3 { transition-delay: .24s; }

/* =========================================================
   Formulaire
   ========================================================= */
.form-page { padding: clamp(36px, 5vw, 72px) 0 96px; min-height: calc(100vh - 70px); isolation: isolate; overflow: hidden; }
.form-shell { max-width: 680px; margin: 0 auto; }
.form-head { margin-bottom: 8px; }
.form-head h1 { font-size: clamp(34px, 4.8vw, 52px); margin-bottom: 10px; }
.form-head p { color: var(--doux); margin: 0; }
.progress { display: flex; gap: 8px; margin: 28px 0 10px; }
.progress span { flex: 1; height: 5px; border-radius: 3px; background: var(--surface-2); overflow: hidden; position: relative; }
.progress span::after { content: ""; position: absolute; inset: 0; background: var(--or); transform: scaleX(0); transform-origin: left; transition: transform .5s cubic-bezier(.65,0,.35,1); }
.progress span.done::after, .progress span.now::after { transform: scaleX(1); }
.progress-label { font-size: 14px; color: var(--doux); font-weight: 500; margin-bottom: 18px; }
.panel { background: var(--surface); border: 1px solid var(--ligne-forte); border-radius: 24px; padding: clamp(22px, 4vw, 40px); box-shadow: 0 40px 90px -40px rgba(0,0,0,.85); }
.step { display: none; border: 0; padding: 0; margin: 0; min-width: 0; }
.step.active { display: block; animation: stepIn .45s cubic-bezier(.16,1,.3,1) both; }
@keyframes stepIn { from { opacity: 0; transform: translateX(18px); } to { opacity: 1; transform: none; } }
.step legend { font: 800 26px/1.15 var(--titre); --fs: 90%; margin-bottom: 6px; padding: 0; letter-spacing: -0.01em; }
.step .hint { color: var(--doux); font-size: 15px; margin-bottom: 22px; }
.q { margin-bottom: 26px; }
.q > .label { display: block; font-weight: 600; font-size: 16px; margin-bottom: 10px; }
.opts { display: grid; gap: 10px; }
.opts.two { grid-template-columns: 1fr 1fr; }
@media (max-width: 520px) { .opts.two { grid-template-columns: 1fr; } }
.opt { position: relative; }
.opt input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; z-index: 1; }
.opt span { display: flex; align-items: center; gap: 12px; padding: 15px 16px; border-radius: 14px; border: 1px solid var(--ligne-forte); background: var(--surface-2); font-weight: 500; font-size: 15.5px; line-height: 1.3; transition: border-color .15s, background .15s, box-shadow .15s; }
.opt:hover span { border-color: rgba(127,162,212,.5); }
.opt span::before { content: ""; width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--pale); flex: none; transition: border .15s, background .15s; }
.opt input:checked + span { border-color: var(--or); background: rgba(226,178,76,.08); box-shadow: 0 0 0 1px var(--or); }
.opt input:checked + span::before { border: 6px solid var(--or); background: var(--nuit); }
.opt input:focus-visible + span { outline: 2px solid var(--or); outline-offset: 2px; }
.opt i { font-style: normal; }
.opt small { display: block; font-weight: 400; color: var(--doux); font-size: 13.5px; margin-top: 2px; }
.badge-urgent { margin-left: auto; font-style: normal; font-size: 12px; font-weight: 700; padding: 3px 10px; border-radius: 999px; background: var(--accord-fond); color: var(--or); white-space: nowrap; }

.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.fields .full { grid-column: 1 / -1; }
@media (max-width: 520px) { .fields { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 7px; color: var(--texte); }
.field input, .field select, .field textarea {
  width: 100%; min-height: 54px; padding: 12px 16px; border-radius: 14px; border: 1px solid var(--ligne-forte); background: var(--surface-2);
  font: 500 16px/1.3 var(--corps); color: var(--texte); transition: border-color .15s, box-shadow .15s; appearance: none; -webkit-appearance: none;
}
.field select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%239AA8C7' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 44px; }
.field select option { background: var(--surface); color: var(--texte); }
.field input::placeholder, .field textarea::placeholder { color: var(--pale); }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--bleu); box-shadow: 0 0 0 4px rgba(61,106,168,.2); }
.field .suffix { position: relative; }
.field .suffix input { padding-right: 46px; }
.field .suffix::after { content: "€"; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--doux); font-weight: 600; }
.civ { display: flex; gap: 10px; }
.civ .opt { flex: 1; }
.civ .opt span { justify-content: center; }
.civ .opt span::before { display: none; }

.consent { display: flex; gap: 14px; align-items: flex-start; padding: 18px; border-radius: 14px; background: rgba(61,106,168,.08); border: 1px solid rgba(61,106,168,.25); margin-top: 22px; font-size: 14px; line-height: 1.55; color: var(--doux); cursor: pointer; }
.consent input { width: 20px; height: 20px; margin: 1px 0 0; flex: none; accent-color: var(--or); }
.err { display: none; color: #E8A87C; font-size: 13.5px; font-weight: 500; margin-top: 8px; }
.invalid .err { display: block; }
.invalid input:not([type=checkbox]), .invalid select { border-color: #E8A87C; }
.invalid .opt span { border-color: rgba(155,165,182,.7); }
.invalid .consent { border-color: rgba(155,165,182,.6); }

.nav-row { display: flex; gap: 12px; justify-content: space-between; align-items: center; margin-top: 30px; }
.back { background: none; border: 0; font: 500 15px var(--corps); color: var(--doux); cursor: pointer; padding: 12px 4px; }
.back:hover { color: var(--texte); }
.reassure { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 22px; margin: 22px 0 0; font-size: 13.5px; color: var(--doux); padding: 0; list-style: none; }
.reassure li { display: flex; gap: 7px; align-items: center; }
.reassure svg { width: 16px; height: 16px; color: var(--or); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-error { display: none; margin-top: 16px; padding: 14px 16px; border-radius: 12px; background: rgba(232,168,124,.12); color: #E8A87C; font-weight: 500; font-size: 14.5px; }

/* =========================================================
   Article
   ========================================================= */
.article-head { padding: clamp(56px, 8vw, 104px) 0 56px; isolation: isolate; overflow: hidden; border-bottom: 1px solid var(--ligne); }
.article-head h1 { font-size: clamp(38px, 5.6vw, 66px); }
.article-head .meta { font-size: 14px; color: var(--pale); margin-top: 20px; }
.prose { font-size: 18px; line-height: 1.75; padding: 56px var(--gutter) 24px; color: #D5DDF0; }
.prose h2 { font-size: clamp(28px, 3.4vw, 38px); margin-top: 1.9em; color: var(--texte); scroll-margin-top: 90px; }
.prose h3 { margin-top: 1.5em; }
.prose strong { color: var(--texte); }
.prose ul, .prose ol { padding-left: 1.2em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose .video-frame { margin: 0 0 40px; }
.callout { border-radius: 16px; padding: 20px 24px; margin: 28px 0; font-size: 16.5px; border: 1px solid; }
.callout.problem { background: var(--surface); border-color: var(--ligne-forte); border-left: 3px solid var(--bleu-clair); }
.callout.solution { background: var(--accord-fond); border-color: rgba(226,178,76,.3); }
.callout > strong:first-child { display: flex; align-items: center; gap: 8px; margin-bottom: 6px; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; }
.callout.problem > strong:first-child { color: var(--bleu-clair); }
.callout.solution > strong:first-child { color: var(--accord); }
.calc { background: var(--surface); border: 1px solid var(--ligne-forte); border-radius: 18px; padding: 10px 24px; margin: 24px 0; font-size: 16px; }
.calc .row { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px dashed var(--ligne-forte); }
.calc .row:last-child { border: 0; }
.calc .row.total { font-weight: 700; color: var(--texte); }
.calc .row.total span:last-child { color: var(--or); font-family: var(--titre); --fs: 70%; font-size: 26px; font-weight: 800; }
.calc .row span:last-child { font-variant-numeric: tabular-nums; white-space: nowrap; }
.checklist .row span:first-child::before { content: ""; display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--or); margin-right: 12px; vertical-align: middle; }
.inline-cta { position: relative; overflow: hidden; border-radius: 22px; padding: 32px; margin: 44px 0; background: radial-gradient(circle at 100% 0%, rgba(61,106,168,.35), transparent 60%), var(--surface); border: 1px solid var(--ligne-forte); }
.inline-cta h3 { font: 800 26px/1.15 var(--titre); --fs: 88%; color: var(--texte); margin-top: 0; }
.inline-cta p { color: var(--doux); }
.toc { background: var(--surface); border: 1px solid var(--ligne); border-radius: 18px; padding: 22px 26px; margin: 0 0 40px; font-size: 16px; }
.toc strong { display: block; margin-bottom: 10px; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--doux); }
.toc ol { margin: 0; padding-left: 1.2em; }
.toc a { color: var(--texte); text-decoration: none; }
.toc a:hover { color: var(--bleu-clair); }
.sources { font-size: 14px; color: var(--doux); border-top: 1px solid var(--ligne); padding-top: 24px; margin-top: 56px; }

/* Grille des guides */
.guide-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 320px), 1fr)); gap: 18px; }
.gcard { display: flex; flex-direction: column; border-radius: 22px; overflow: hidden; background: var(--surface); border: 1px solid var(--ligne); text-decoration: none; color: var(--texte); transition: border-color .3s, transform .3s; }
a.gcard:hover { border-color: var(--ligne-forte); transform: translateY(-4px); color: var(--texte); }
.gcard img { width: 100%; height: auto; aspect-ratio: 16/9; object-fit: cover; display: block; }
.gcard .gbody { padding: 22px 24px 26px; }
.gcard .gtag { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--bleu-clair); margin-bottom: 10px; display: block; }
.gcard p { color: var(--doux); font-size: 15px; margin: 0; }
.gcard.soon { border-style: dashed; background: transparent; }
.gcard.soon .gimg { aspect-ratio: 16/9; background: repeating-linear-gradient(135deg, var(--surface) 0 12px, var(--nuit-2) 12px 24px); display: grid; place-items: center; color: var(--pale); font-size: 13px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }

/* Pages légales */
.legal-page { padding: 64px 0 96px; }
.legal-page h1 { font-size: clamp(34px, 4.6vw, 50px); }
.legal-page h2 { font-size: 22px; margin-top: 1.8em; --fs: 95%; }
.legal-page p, .legal-page li { color: #D5DDF0; }
.todo { background: rgba(255,195,90,.18); color: #FFC35A; border-radius: 6px; padding: 0 6px; }

/* Barre d'action mobile */
.sticky-cta { display: none; }
@media (max-width: 780px) {
  .sticky-cta { display: block; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 30; transform: translateY(150%); transition: transform .35s cubic-bezier(.16,1,.3,1); }
  .sticky-cta.show { transform: none; }
  .sticky-cta .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .js .reveal { opacity: 1; transform: none; }
}

/* Scène d'ouverture sur mobile : cartes empilées */
@media (max-width: 940px) {
  .stage { aspect-ratio: auto; display: grid; gap: 0; }
  .stage > .glass { position: relative; inset: auto; width: 100%; }
  .stage .mail { width: 92%; }
  .stage .meter { width: 88%; margin: -26px 0 0 auto; }
  .stage .bank-row { width: 100%; margin-top: 14px; }
  .stage .hidden-s { opacity: .0; }
}
@media (max-width: 420px) { .mail-top { padding-right: 96px; } .stamp { font-size: 16px; padding: 7px 12px; } .bank { font-size: 11px; padding: 10px 4px; } }

/* ---------- Mobile : menu, confort du pouce ---------- */
.menu-btn { display: none; width: 44px; height: 44px; border-radius: 12px; border: 1px solid var(--ligne-forte); background: var(--surface); cursor: pointer; padding: 0; flex-direction: column; align-items: center; justify-content: center; gap: 6px; }
.menu-btn span { display: block; width: 18px; height: 2px; border-radius: 2px; background: var(--texte); transition: transform .25s; }
.menu-btn[aria-expanded="true"] span:first-child { transform: translateY(4px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:last-child { transform: translateY(-4px) rotate(-45deg); }
.mnav { border-top: 1px solid var(--ligne); background: var(--nuit); padding: 8px var(--gutter) 20px; display: grid; gap: 2px; }
.mnav[hidden] { display: none; }
.mnav a:not(.btn) { display: block; padding: 14px 4px; color: var(--texte); text-decoration: none; font-weight: 600; font-size: 17px; border-bottom: 1px solid var(--ligne); }
.mnav .btn { margin-top: 14px; }
@media (max-width: 780px) {
  .menu-btn { display: inline-flex; }
  .top nav .btn { min-height: 40px; padding: 0 14px; font-size: 14px; }
  .top nav { gap: 10px; }
  .top .wrap { gap: 10px; }
  body { font-size: 16.5px; }
  section { padding: 64px 0; }
  .section-head { margin-bottom: 32px; }
  .hero { padding-top: 32px; }
  .pill { font-size: 12.5px; margin-bottom: 18px; }
  .hero-ctas .btn { width: 100%; }
  .proof { gap: 8px 18px; }
  .pcard { padding: 22px; border-radius: 18px; }
  .pcard h3 { font-size: 20px; }
  .calc-in, .calc-out { padding: 20px; }
  .steps li { padding: 22px; }
  .figure { padding: 22px 18px; }
  .faq summary { font-size: 16.5px; padding: 20px 46px 20px 0; }
  .cta-card { border-radius: 22px; }
  .prose { font-size: 17px; }
  .inline-cta { padding: 24px; }
  .inline-cta .btn { width: 100%; }
  .nav-row .btn { flex: 1; }
  footer { padding-bottom: 96px; }
}
@media (max-width: 400px) { .logo { font-size: 15px; gap: 8px; } .logo-mark { width: 30px; height: 30px; } .top nav .btn { padding: 0 12px; font-size: 13.5px; } }
@media (max-width: 340px) { .top nav .btn { display: none; } }
@media (max-width: 780px) { footer .links { gap: 0 22px; } footer .links a { display: inline-block; padding: 11px 0; } .logo { min-height: 44px; } }

/* Mot-symbole Emprunteur Malin */
.logo-or { color: var(--or); font-weight: 800; }
.gcard .gimg-live { aspect-ratio: 16/9; display: grid; place-items: center; background: radial-gradient(circle at 50% 40%, var(--surface-2), var(--nuit)); color: var(--or); font: 800 clamp(48px, 7vw, 76px)/1 var(--titre); letter-spacing: -0.02em; border-bottom: 1px solid var(--ligne-forte); }

/* Mascotte Emprunteur Malin */
.malin { display: block; height: auto; pointer-events: none; user-select: none; filter: drop-shadow(0 22px 34px rgba(0,0,0,.5)); }
.stage .malin-hero { position: absolute; z-index: 4; width: 140px; right: -152px; bottom: -4%; }
@media (min-width: 941px) and (max-width: 1439px) { .stage .malin-hero { display: none; } }
.head-malin { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 24px; margin-bottom: 48px; }
.head-malin .section-head { margin-bottom: 0; }
.head-malin .malin { height: 280px; width: auto; margin-bottom: -48px; }
.calc-zone { position: relative; }
.malin-calc { position: absolute; width: 230px; left: -250px; bottom: 0; }
.cta-card .malin-cta { position: absolute; width: 210px; left: clamp(16px, 4vw, 56px); bottom: -14px; }
.cta-card .malin-cta + h2 { margin-top: 0; }
@media (min-width: 1101px) { .cta-card { padding-left: 270px; padding-right: 270px; } }
@media (max-width: 1640px) { .malin-calc { display: none; } }
@media (max-width: 1100px) { .cta-card .malin-cta { position: static; width: 130px; margin: -20px auto 18px; } }
.proof-row { display: flex; align-items: flex-end; justify-content: space-between; gap: 12px; }
.malin-hero-m { display: none; }
@media (max-width: 940px) {
  .stage .malin-hero { display: none; }
  .malin-hero-m { display: block; width: 92px; flex: none; margin: 4px 0 -28px; }
}
@media (max-width: 360px) { .malin-hero-m { width: 78px; } }
@media (max-width: 780px) {
  .head-malin { gap: 8px; margin-bottom: 32px; }
  .head-malin .malin { height: 150px; margin-bottom: -32px; }
}
.hero, .article-head { position: relative; }
.side-malin { position: absolute; z-index: 1; bottom: 0; right: max(16px, calc(50% - 640px)); height: 86%; max-height: 420px; width: auto; }
@media (max-width: 1180px) { .side-malin { display: none; } }
@media (max-width: 1499px) { .side-wide { display: none; } }
.malin-404 { height: 240px; width: auto; margin: 0 auto 8px; }
.logo-mark { background: var(--surface-2); border: 1.5px solid var(--or); overflow: hidden; }
.logo-mark img { width: 112%; height: 112%; object-fit: cover; object-position: 50% 20%; margin-top: 6%; }
.top nav .btn { white-space: nowrap; }
@media (max-width: 374px) { .logo { font-size: 14px; gap: 7px; } .logo-mark { width: 28px; height: 28px; } .top nav .btn { padding: 0 10px; font-size: 13px; } .top .wrap { gap: 8px; } }

/* Retours du 16 octobre */
section { padding: clamp(48px, 7vw, 92px) 0; }
@media (max-width: 780px) { section { padding: 46px 0; } }
.proof { display: grid; grid-template-columns: repeat(2, max-content); gap: 10px 24px; }
.proof li { white-space: nowrap; line-height: 1.3; }
.proof svg { align-self: center; }
@media (max-width: 420px) { .proof { grid-template-columns: 1fr; gap: 9px; } }
.bank svg { display: block; width: 30px; height: 30px; margin: 0 auto 6px; }
.bank .mark-c { color: #C9D3E3; transition: color .4s; }
.bank.yes .mark-c { color: var(--or); }
.bank.no svg { opacity: .55; }
.figure .num { white-space: nowrap; }
@media (max-width: 480px) { .figure .num { font-size: clamp(30px, 9.5vw, 40px); } }
@media (max-width: 860px) {
  .sticky-cta { left: 50%; right: auto; width: min(420px, calc(100% - 32px)); bottom: calc(22px + env(safe-area-inset-bottom, 0px)); transform: translate(-50%, 160%); }
  .sticky-cta.show { transform: translate(-50%, 0); }
  .sticky-cta .btn { border-radius: 999px; box-shadow: 0 14px 34px rgba(0,0,0,.55), 0 0 0 1px rgba(226,178,76,.35); }
}

/* Retours du 16 octobre, suite : titre centré sur mobile, espacements resserrés */
section { padding: clamp(40px, 6vw, 80px) 0; }
.section-head { margin-bottom: 34px; }
.head-malin { margin-bottom: 34px; }
.hero { padding: clamp(40px, 6vw, 84px) 0 clamp(48px, 6.5vw, 96px); }
@media (max-width: 940px) {
  .hero .wrap > div:first-child { text-align: center; }
  .hero .lead { margin-left: auto; margin-right: auto; }
  .hero-ctas { justify-content: center; }
  .proof-row { justify-content: center; gap: 18px; }
  .proof { text-align: left; }
}
@media (max-width: 780px) {
  section { padding: 36px 0; }
  .section-head, .head-malin { margin-bottom: 22px; }
  .hero { padding: 30px 0 40px; }
  .hero h1 { margin-bottom: 16px; }
  .hero .lead { margin-bottom: 24px; }
  .proof { margin-top: 22px; }
  .head-malin .malin { margin-bottom: -22px; }
}
.hero h1 .grad-text { display: block; }
@media (max-width: 940px) { .proof-row { align-items: center; } .malin-hero-m { margin: 6px 0 -22px; } }
.head-malin .malin { margin-bottom: -12px; }
@media (max-width: 780px) { .head-malin .malin { margin-bottom: -10px; } }
@media (max-width: 560px) { .proof { grid-template-columns: 1fr; gap: 9px; } }

/* Titres et pied de page centrés */
.section-head { margin-left: auto; margin-right: auto; text-align: center; }
.section-head .lead { margin-left: auto; margin-right: auto; }
.head-malin { grid-template-columns: minmax(0, 1fr) minmax(0, 720px) minmax(0, 1fr); }
.head-malin .section-head { grid-column: 2; }
.head-malin .malin { grid-column: 3; justify-self: start; }
@media (max-width: 780px) {
  .head-malin { grid-template-columns: minmax(0, 1fr) auto; }
  .head-malin .section-head { grid-column: 1; }
  .head-malin .malin { grid-column: 2; }
}
.article-head .wrap, .hero .wrap.narrow { text-align: center; }
.article-head .lead, .hero .wrap.narrow .lead { margin-left: auto; margin-right: auto; }
.prose h2, .prose h3 { text-align: center; text-wrap: balance; }
.prose .inline-cta { text-align: center; }
footer .wrap { justify-items: center; text-align: center; }
footer .cols { flex-direction: column; justify-content: center; }
footer .links { justify-content: center; }
footer .logo { justify-content: center; }
.article-head h1 { max-width: 820px; margin-left: auto; margin-right: auto; }
.video-row > div { text-align: center; }
.video-row > div .lead { margin-left: auto; margin-right: auto; }

/* Avatar simplifié et signature */
.logo-mark { border-radius: 50%; border: 0; background: none; overflow: visible; }
.logo-mark img { width: 100%; height: 100%; object-fit: contain; margin: 0; }
footer .signature { margin: 18px 0 0; text-align: center; color: var(--or); font-weight: 800; letter-spacing: .02em; }