/* =====================================================================
   GARANTIE FINANCIÈRE SAP — Design System "Institutionnel URSSAF"
   Bleu marine #1A428A · Bleu #0071CE · Turquoise #1ECAD3 · Bleus clairs #90B3E6 / #D0DDF4
   Typo : Mulish
   ===================================================================== */

/* ============================ TOKENS ============================ */
:root {
  --navy: #1A428A;        /* bleu marine — primaire (titres, header, footer) */
  --navy-700: #143471;
  --navy-800: #102a5c;
  --blue: #0071CE;        /* bleu interactif — boutons, liens */
  --blue-600: #0061b2;
  --cyan: #1ECAD3;        /* turquoise — accent vif */
  --cyan-600: #15aeb6;
  --blue-300: #90B3E6;
  --blue-100: #D0DDF4;
  --blue-50: #eaf1fb;

  --ink: #16233f;         /* texte principal (encre bleu nuit) */
  --ink-2: #2c3a57;
  --muted: #5b6a85;       /* texte secondaire */
  --muted-2: #8793aa;
  --line: #dbe4f1;
  --line-strong: #c2d0e6;

  --bg: #ffffff;
  --surface: #ffffff;
  --soft: #f3f7fc;        /* section bleu pâle */
  --soft-2: #eaf1fb;

  --success: #1a8f5a;
  --success-bg: #e6f5ee;
  --warning: #c77700;
  --warning-bg: #fcf2e2;

  --sh-sm: 0 2px 8px rgba(26,66,138,0.07);
  --sh-md: 0 12px 30px -10px rgba(26,66,138,0.18);
  --sh-lg: 0 26px 64px -20px rgba(16,42,92,0.30);
  --ring: 0 0 0 1px var(--line);

  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 16px;
  --r-xl: 24px;
  --r-pill: 999px;

  --font-display: 'Mulish', system-ui, sans-serif;
  --font-body: 'Mulish', system-ui, sans-serif;

  --container: 1180px;
  --container-narrow: 760px;
  --nav-h: 76px;

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --t: 0.3s var(--ease);
}

/* ============================ RESET ============================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 110px; }
body {
  font-family: var(--font-body);
  color: var(--ink-2);
  background: var(--bg);
  line-height: 1.62;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg, video { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--t); }
a:hover { color: var(--navy); }
ul, ol { list-style: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select, textarea { font: inherit; }
::selection { background: rgba(30,202,211,0.28); }
:focus-visible { outline: 3px solid rgba(0,113,206,0.4); outline-offset: 3px; border-radius: 4px; }

/* ============================ TYPO ============================ */
h1, h2, h3, h4, h5 { font-family: var(--font-display); font-weight: 800; line-height: 1.1; letter-spacing: -0.01em; color: var(--navy); }
h1 { font-size: clamp(2.3rem, 1.4rem + 4vw, 4rem); }
h2 { font-size: clamp(1.8rem, 1.2rem + 2.4vw, 2.8rem); margin-bottom: .5em; }
h3 { font-size: clamp(1.2rem, 1rem + .7vw, 1.45rem); margin-bottom: .4em; }
h4 { font-size: 1.1rem; margin-bottom: .3em; }
p { margin-bottom: 1rem; color: var(--ink-2); }
p:last-child { margin-bottom: 0; }
strong, b { font-weight: 700; color: var(--ink); }
.lead { font-size: clamp(1.1rem, 1rem + .5vw, 1.3rem); line-height: 1.55; color: var(--muted); font-weight: 400; }
.grad-text { color: var(--blue); -webkit-text-fill-color: currentColor; }

/* ============================ LABELS ============================ */
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display); font-weight: 800; font-size: .8rem;
  text-transform: uppercase; letter-spacing: .12em; color: var(--blue);
  margin-bottom: 18px; padding: 7px 16px; border-radius: var(--r-pill);
  background: var(--blue-50);
}
.eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--cyan); }

/* ============================ LAYOUT ============================ */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 24px; }
.container-narrow { max-width: var(--container-narrow); }
section { padding: clamp(60px, 7.5vw, 104px) 0; position: relative; }
.section-soft { background: var(--soft); }
.section-lav { background: var(--soft-2); }
.section-dark { background: var(--navy); color: #fff; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: #fff; }
.section-dark p { color: rgba(255,255,255,0.78); }
.text-center { text-align: center; }
.section-head { max-width: 720px; margin: 0 auto clamp(40px, 5vw, 62px); text-align: center; }
.section-head .lead { margin-top: 14px; }

/* ============================ ICONS ============================ */
.ico { width: 24px; height: 24px; stroke: currentColor; stroke-width: 1.8; fill: none; stroke-linecap: round; stroke-linejoin: round; display: block; }
.ico-lg { width: 28px; height: 28px; }

/* ============================ BUTTONS ============================ */
.btn-primary, .btn-secondary, .btn-ghost, .btn-light {
  --pad: 15px 28px;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-display); font-weight: 700; font-size: 1rem; line-height: 1;
  padding: var(--pad); border-radius: var(--r-pill); transition: all var(--t); white-space: nowrap;
}
.btn-primary svg, .btn-secondary svg, .btn-ghost svg, .btn-light svg { width: 18px; height: 18px; }
.btn-primary { color: #fff; background: var(--blue); box-shadow: 0 6px 18px -4px rgba(0,113,206,0.45); }
.btn-primary:hover { color: #fff; background: var(--navy); transform: translateY(-2px); box-shadow: 0 12px 26px -6px rgba(26,66,138,0.5); }
.btn-primary:active { transform: translateY(0); }
.btn-secondary { color: var(--blue); background: #fff; box-shadow: inset 0 0 0 2px var(--blue); }
.btn-secondary:hover { color: var(--navy); box-shadow: inset 0 0 0 2px var(--navy); transform: translateY(-2px); }
.btn-ghost { color: var(--navy); background: transparent; box-shadow: inset 0 0 0 1.5px var(--line-strong); }
.btn-ghost:hover { color: var(--blue); box-shadow: inset 0 0 0 1.5px var(--blue); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--cyan); color: var(--navy); transform: translateY(-2px); box-shadow: var(--sh-md); }
.btn-lg { --pad: 18px 34px; font-size: 1.06rem; }
.btn-block { width: 100%; }
.btn-arrow svg { transition: transform var(--t); }
.btn-arrow:hover svg { transform: translateX(4px); }

/* ============================ URGENCY BANNER ============================ */
.urgency-banner { background: var(--navy); color: #fff; text-align: center; padding: 10px 18px; font-size: .92rem; font-weight: 600; position: relative; z-index: 1001; }
.urgency-banner strong { color: #fff; }
.urgency-banner a { color: var(--cyan); text-decoration: underline; text-underline-offset: 3px; font-weight: 800; }
.urgency-banner a:hover { color: #fff; }
.urgency-banner #countdown-days { color: var(--cyan); font-weight: 800; padding: 0 2px; }

/* ============================ NAV ============================ */
#main-nav { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,0.9); backdrop-filter: saturate(180%) blur(12px); -webkit-backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line); transition: all var(--t); }
#main-nav.scrolled { box-shadow: var(--sh-sm); }
.nav-container { max-width: var(--container); margin-inline: auto; padding: 0 24px; height: var(--nav-h); display: flex; align-items: center; gap: 28px; transition: height var(--t); }
#main-nav.scrolled .nav-container { height: 64px; }
.nav-logo { font-family: var(--font-display); font-weight: 800; font-size: 1.18rem; color: var(--navy); white-space: nowrap; display: inline-flex; align-items: center; gap: 11px; letter-spacing: -0.01em; }
.nav-logo .logo-mark { position: relative; width: 38px; height: 38px; border-radius: var(--r-sm); background: var(--navy); display: grid; place-items: center; color: #fff; font-family: var(--font-display); font-weight: 800; font-size: .82rem; overflow: hidden; flex-shrink: 0; }
.nav-logo .logo-mark::after { content: ""; position: absolute; right: 0; bottom: 0; width: 100%; height: 5px; background: var(--cyan); }
.nav-logo span { color: var(--cyan); }
.nav-links { display: flex; align-items: center; gap: 22px; margin-left: auto; }
.nav-links a { font-weight: 600; font-size: .93rem; color: var(--ink-2); position: relative; white-space: nowrap; }
.nav-links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 3px; border-radius: 3px; background: var(--cyan); transform: scaleX(0); transform-origin: left; transition: transform var(--t); }
.nav-links a:hover { color: var(--navy); }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { transform: scaleX(1); }
.nav-cta { margin-left: 6px; padding: 11px 20px; font-size: .9rem; }
.nav-cta-li { display: none; }
#burger { display: none; width: 44px; height: 44px; border-radius: var(--r-sm); place-items: center; color: var(--navy); margin-left: auto; }
#burger svg { width: 26px; height: 26px; }

/* ============================ HERO ============================ */
.hero { position: relative; padding: clamp(56px, 7vw, 94px) 0 clamp(60px, 8vw, 100px); overflow: hidden; background: var(--soft); isolation: isolate; }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(32rem 26rem at 82% 12%, rgba(30,202,211,0.16), transparent 62%), radial-gradient(34rem 30rem at 8% 0%, rgba(0,113,206,0.10), transparent 58%); }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.hero-content { max-width: 760px; }
.hero h1 { margin-bottom: 22px; }
.hero .lead { margin-bottom: 32px; max-width: 540px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 40px; }
.hero-stats { display: flex; gap: clamp(24px, 4vw, 48px); flex-wrap: wrap; }
.hero-stat strong { display: block; font-family: var(--font-display); font-size: clamp(1.7rem, 1.3rem + 1.5vw, 2.1rem); line-height: 1; color: var(--navy); }
.hero-stat span { font-size: .85rem; color: var(--muted); font-weight: 600; }
.hero-trust { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 22px; padding: 7px 16px 7px 8px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-pill); font-size: .82rem; font-weight: 600; color: var(--ink-2); box-shadow: var(--sh-sm); }
.hero-trust .av { display: inline-flex; }
.hero-trust .av i { width: 26px; height: 26px; border-radius: 50%; background: var(--blue); border: 2px solid #fff; margin-left: -8px; display: grid; place-items: center; color: #fff; font-style: normal; font-size: .62rem; font-weight: 800; }
.hero-trust .av i:first-child { margin-left: 0; }
.hero-trust .av i:last-child { background: var(--cyan); color: var(--navy); }

.hero-visual { position: relative; }
.hero-visual .floating-card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--sh-lg); padding: 30px; overflow: hidden; animation: floaty 7s var(--ease) infinite; }
.hero-visual .floating-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; background: linear-gradient(90deg, var(--blue), var(--cyan)); }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }
.hero-visual .floating-card h3 { margin-bottom: 4px; }
.hero-badge-abs { position: absolute; z-index: 2; background: var(--navy); color: #fff; border-radius: var(--r-md); box-shadow: var(--sh-md); padding: 11px 15px; display: flex; align-items: center; gap: 9px; font-weight: 700; font-size: .85rem; }
.hero-badge-abs .ico { color: var(--cyan); width: 18px; height: 18px; }
.hero-includes { margin: 16px 0 22px; }
.hero-includes li { display: flex; align-items: flex-start; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--line); font-weight: 600; font-size: .95rem; color: var(--ink-2); }
.hero-includes li:last-child { border-bottom: none; }
.hero-includes li .ico { color: var(--blue); width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }
.hero-badge-abs.tl { top: -18px; left: -20px; }
.hero-badge-abs.br { bottom: -18px; right: -10px; }

/* ============================ BADGES ============================ */
.badge { display: inline-flex; align-items: center; gap: 8px; padding: 7px 15px; border-radius: var(--r-pill); font-size: .82rem; font-weight: 700; font-family: var(--font-display); }
.badge svg { width: 15px; height: 15px; }
.badge-urgent { background: var(--blue-50); color: var(--blue); }
.badge-success { background: var(--success-bg); color: var(--success); }
.badge-primary { background: var(--blue-50); color: var(--navy); }
.badge-categorie { display: inline-block; background: var(--blue-50); color: var(--blue); padding: 6px 14px; border-radius: var(--r-pill); font-size: .74rem; font-weight: 800; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .06em; }

/* ============================ CARDS / BENTO ============================ */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.bento { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.bento .col-2 { grid-column: span 2; }

.card { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 30px; transition: transform var(--t), box-shadow var(--t), border-color var(--t); }
.card:hover { transform: translateY(-5px); box-shadow: var(--sh-md); border-color: var(--blue-100); }
.card-icon { position: relative; width: 54px; height: 54px; border-radius: var(--r-md); background: var(--blue-50); display: grid; place-items: center; color: var(--blue); margin-bottom: 18px; }
.card-icon .ico { width: 26px; height: 26px; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: .98rem; color: var(--muted); }
.card-highlight { position: relative; background: var(--navy); color: #fff; border-color: var(--navy); overflow: hidden; }
.card-highlight::before { content: ""; position: absolute; top: 0; left: 0; bottom: 0; width: 5px; background: var(--cyan); }
.card-highlight h3 { color: #fff; }
.card-highlight p { color: rgba(255,255,255,0.78); }
.card-highlight .card-icon { background: rgba(255,255,255,0.12); color: var(--cyan); }

/* ============================ STEPS ============================ */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 28px; transition: transform var(--t), box-shadow var(--t); }
.step:hover { transform: translateY(-5px); box-shadow: var(--sh-md); }
.step-num { width: 44px; height: 44px; border-radius: var(--r-md); background: var(--blue); color: #fff; font-family: var(--font-display); font-weight: 800; display: grid; place-items: center; margin-bottom: 16px; }
.step:nth-child(2) .step-num { background: var(--cyan); color: var(--navy); }
.step:nth-child(3) .step-num { background: var(--navy); }
.step h3 { font-size: 1.14rem; }
.step p { font-size: .96rem; color: var(--muted); }

.timeline { position: relative; padding-left: 46px; }
.timeline::before { content: ""; position: absolute; left: 17px; top: 6px; bottom: 6px; width: 2px; background: linear-gradient(var(--blue), var(--blue-100)); }
.timeline-item { position: relative; margin-bottom: 32px; }
.timeline-item:last-child { margin-bottom: 0; }
.timeline-item::before { content: ""; position: absolute; left: -38px; top: 2px; width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 3px solid var(--blue); box-shadow: 0 0 0 5px var(--blue-50); }

/* ============================ CALCULATEUR ============================ */
.calculator { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--sh-md); padding: clamp(26px, 4vw, 40px); max-width: 660px; margin-inline: auto; }
.calc-field { margin-bottom: 22px; }
.calc-field > label { display: block; font-weight: 800; font-family: var(--font-display); margin-bottom: 10px; color: var(--navy); font-size: .95rem; }
.calc-input-wrap { position: relative; }
.calc-input-wrap::after { content: "€"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; font-size: 1.2rem; pointer-events: none; }
.calc-input { width: 100%; padding: 16px 38px 16px 18px; font-size: 1.4rem; font-weight: 800; font-family: var(--font-display); color: var(--navy); background: var(--soft); border: 2px solid var(--line); border-radius: var(--r-md); transition: all var(--t); }
.calc-input::placeholder { color: var(--muted-2); font-weight: 600; }
.calc-input:focus { outline: none; border-color: var(--blue); background: #fff; box-shadow: 0 0 0 4px rgba(0,113,206,0.13); }
.calc-modes { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.calc-mode input { position: absolute; opacity: 0; pointer-events: none; }
.calc-mode label { display: block; padding: 15px 18px; background: var(--soft); border: 2px solid var(--line); border-radius: var(--r-md); cursor: pointer; font-weight: 700; font-size: .95rem; transition: all var(--t); }
.calc-mode label small { display: block; font-weight: 500; color: var(--muted); font-size: .8rem; margin-top: 3px; }
.calc-mode input:checked + label { border-color: var(--blue); background: var(--blue-50); box-shadow: 0 0 0 4px rgba(0,113,206,0.1); }
.calc-mode input:focus-visible + label { outline: 3px solid rgba(0,113,206,0.4); }
.calc-result { display: none; margin-top: 26px; padding: 30px; background: var(--navy); border-radius: var(--r-lg); text-align: center; color: #fff; position: relative; overflow: hidden; }
.calc-result::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; background: linear-gradient(90deg, var(--cyan), var(--blue)); }
.calc-result.animate-in { animation: popIn .5s var(--ease-out); }
@keyframes popIn { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.calc-result [data-result-amount] { display: block; font-family: var(--font-display); font-size: clamp(2.4rem, 1.8rem + 2.5vw, 3.2rem); font-weight: 800; color: var(--cyan); line-height: 1; margin-bottom: 10px; }
.calc-result [data-result-label] { color: rgba(255,255,255,0.78); font-size: .9rem; margin-bottom: 20px; display: block; }
.calc-result .btn-primary { background: #fff; color: var(--navy); }
.calc-result .btn-primary:hover { background: var(--cyan); color: var(--navy); }

/* ============================ SIMULATEUR (2 colonnes) ============================ */
.sim-head { max-width: 720px; margin: 0 auto clamp(36px, 4vw, 52px); text-align: center; }
.sim-head .lead { margin-top: 14px; }
.simulator { display: grid; grid-template-columns: 1.05fr .95fr; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--sh-md); overflow: hidden; max-width: 940px; margin-inline: auto; }
.sim-form { padding: clamp(26px, 3vw, 40px); }
.sim-result { padding: clamp(26px, 3vw, 40px); background: linear-gradient(160deg, var(--navy), var(--navy-800)); color: #fff; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.sim-result::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; background: linear-gradient(90deg, var(--cyan), var(--blue)); }
.sim-input-wrap { position: relative; }
.sim-input-wrap .sim-suffix { position: absolute; right: 18px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; pointer-events: none; }
.sim-input-wrap .calc-input { padding-right: 76px; }
.toggle-group { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.toggle-btn { padding: 14px 12px; background: var(--soft); border: 2px solid var(--line); border-radius: var(--r-md); font-family: var(--font-display); font-weight: 700; font-size: .95rem; color: var(--ink-2); transition: all var(--t); }
.toggle-btn:hover { border-color: var(--blue-300); }
.toggle-btn.active { background: var(--blue); color: #fff; border-color: var(--blue); box-shadow: 0 6px 16px -6px rgba(0,113,206,0.5); }
.sim-result-row { margin-bottom: 24px; }
.sim-result-label { display: block; font-size: .85rem; color: rgba(255,255,255,0.7); margin-bottom: 7px; font-weight: 600; }
.sim-result-amount { display: block; font-family: var(--font-display); font-weight: 800; font-size: clamp(2rem, 1.6rem + 1.5vw, 2.7rem); line-height: 1; color: #fff; }
[data-result-cotisation] { color: var(--cyan); }
.sim-result-amount small { font-size: .9rem; font-weight: 600; color: rgba(255,255,255,0.65); }
.sim-result .btn-light { margin-top: 6px; }
.sim-disclaimer { font-size: .73rem; line-height: 1.5; color: rgba(255,255,255,0.55); margin-top: 16px; }

/* Variante compacte (carte hero) */
.sim-mini-result { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; background: linear-gradient(160deg, var(--navy), var(--navy-800)); border-radius: var(--r-md); padding: 18px 20px; margin: 6px 0 16px; position: relative; overflow: hidden; }
.sim-mini-result::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--cyan), var(--blue)); }
.sim-mini-result .sim-result-label { font-size: .72rem; margin-bottom: 4px; }
.sim-mini-result .sim-result-amount { font-size: clamp(1.3rem, 1.1rem + .8vw, 1.7rem); }
.sim-mini-result .sim-result-amount small { font-size: .72rem; }

@media (max-width: 720px) {
  .simulator { grid-template-columns: 1fr; }
}

/* ============================ CHECKLIST ============================ */
.checklist { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); padding: clamp(24px, 3vw, 34px); max-width: 720px; margin-inline: auto; box-shadow: var(--sh-sm); }
.checklist-item { display: flex; align-items: flex-start; gap: 16px; padding: 15px; border-radius: var(--r-md); cursor: pointer; transition: background var(--t); }
.checklist-item:hover { background: var(--soft); }
.checklist-item input { appearance: none; -webkit-appearance: none; width: 24px; height: 24px; border: 2px solid var(--line-strong); border-radius: 7px; margin-top: 1px; flex-shrink: 0; cursor: pointer; position: relative; transition: all var(--t); }
.checklist-item input:checked { background: var(--blue); border-color: var(--blue); }
.checklist-item input:checked::after { content: ""; position: absolute; left: 8px; top: 3px; width: 6px; height: 11px; border: solid #fff; border-width: 0 2.5px 2.5px 0; transform: rotate(45deg); }
.checklist-item label, .checklist-item span { cursor: pointer; font-weight: 500; color: var(--ink-2); }
.checklist-result { display: none; margin-top: 22px; padding: 20px 24px; border-radius: var(--r-md); font-weight: 600; }
.checklist-result a { font-weight: 800; text-decoration: underline; text-underline-offset: 2px; }
.checklist-result.success { background: var(--navy); color: #fff; }
.checklist-result.success a { color: var(--cyan); }
.checklist-result.warning { background: var(--warning-bg); color: var(--warning); box-shadow: inset 0 0 0 1px #f3dcae; }

/* ============================ FORM ============================ */
.form-wrap { display: grid; grid-template-columns: 1.5fr 1fr; gap: 36px; align-items: start; }
.lead-form-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-xl); box-shadow: var(--sh-sm); padding: clamp(26px, 3vw, 38px); }
.progress-bar { display: flex; gap: 8px; margin-bottom: 10px; }
.progress-step { flex: 1; height: 6px; border-radius: 999px; background: var(--line); transition: background var(--t); }
.progress-step.active { background: var(--blue); }
.step-counter { font-size: .85rem; color: var(--muted); margin-bottom: 24px; font-weight: 700; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 700; margin-bottom: 7px; font-size: .92rem; color: var(--navy); }
.form-group label .req { color: var(--blue); }
.form-control { width: 100%; padding: 13px 15px; background: var(--soft); border: 2px solid var(--line); border-radius: var(--r-md); transition: all var(--t); }
.form-control:focus { outline: none; border-color: var(--blue); background: #fff; box-shadow: 0 0 0 4px rgba(0,113,206,0.12); }
.form-control.error { border-color: var(--blue); background: var(--blue-50); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; font-size: .9rem; color: var(--muted); }
.form-check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--blue); flex-shrink: 0; }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; }
.form-error { display: none; margin-top: 16px; padding: 14px; background: var(--blue-50); color: var(--navy); border-radius: var(--r-md); font-weight: 600; font-size: .9rem; }
.form-success { text-align: center; padding: 22px 0; }
.success-icon { width: 72px; height: 72px; border-radius: 50%; background: var(--blue-50); color: var(--blue); display: grid; place-items: center; margin: 0 auto 14px; }
.success-icon svg { width: 36px; height: 36px; }
.success-detail { margin: 22px 0; padding: 22px; background: var(--soft); border-radius: var(--r-md); }
.success-amount { display: block; font-family: var(--font-display); font-size: 2rem; color: var(--blue); margin-top: 6px; }
.success-note { font-size: .9rem; color: var(--muted); margin-top: 14px; }
.form-side { background: var(--navy); color: #fff; border-radius: var(--r-xl); padding: 30px; }
.form-side h3 { margin-bottom: 18px; color: #fff; }
.reassurance-item { display: flex; align-items: flex-start; gap: 13px; margin-bottom: 18px; }
.reassurance-item .ri-icon { width: 40px; height: 40px; border-radius: var(--r-md); background: rgba(255,255,255,0.12); color: var(--cyan); display: grid; place-items: center; flex-shrink: 0; }
.reassurance-item strong { display: block; color: #fff; }
.reassurance-item span { font-size: .88rem; color: rgba(255,255,255,0.66); }

/* ============================ FAQ ============================ */
.faq-search-wrap { position: relative; max-width: 580px; margin: 0 auto 26px; }
.faq-search-wrap .ico { position: absolute; left: 20px; top: 50%; transform: translateY(-50%); color: var(--muted); width: 20px; height: 20px; }
.faq-search { width: 100%; padding: 16px 22px 16px 50px; font-size: 1rem; background: #fff; border: 2px solid var(--line); border-radius: var(--r-pill); box-shadow: var(--sh-sm); transition: all var(--t); }
.faq-search:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(0,113,206,0.12); }
.faq-filters { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 40px; }
.faq-filter-btn { padding: 10px 20px; border-radius: var(--r-pill); background: #fff; box-shadow: inset 0 0 0 1px var(--line-strong); font-weight: 700; font-size: .9rem; color: var(--ink-2); transition: all var(--t); }
.faq-filter-btn:hover { color: var(--blue); box-shadow: inset 0 0 0 1px var(--blue); }
.faq-filter-btn.active { background: var(--blue); color: #fff; box-shadow: none; }
.faq-category { margin-bottom: 44px; }
.faq-category > h2 { font-size: 1.45rem; margin-bottom: 20px; display: flex; align-items: center; gap: 12px; }
.faq-category > h2 .ico { color: var(--blue); }
.faq-item { border: 1px solid var(--line); border-radius: var(--r-md); margin-bottom: 12px; background: #fff; overflow: hidden; transition: border-color var(--t), box-shadow var(--t); }
.faq-item.open { border-color: var(--blue-100); box-shadow: var(--sh-sm); }
.faq-question { display: flex; justify-content: space-between; align-items: center; gap: 18px; width: 100%; text-align: left; padding: 20px 24px; font-family: var(--font-display); font-weight: 700; font-size: 1.04rem; color: var(--navy); position: relative; }
.faq-question::before { content: ""; position: absolute; right: 24px; top: 50%; width: 12px; height: 12px; background:
   linear-gradient(var(--blue),var(--blue)) center/12px 2px no-repeat,
   linear-gradient(var(--blue),var(--blue)) center/2px 12px no-repeat;
   transform: translateY(-50%); transition: transform var(--t); }
.faq-item.open .faq-question::before { transform: translateY(-50%) rotate(90deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq-answer-inner { padding: 0 24px 22px; color: var(--muted); }
.faq-answer-inner ul { list-style: disc; padding-left: 20px; margin-top: 8px; }
.faq-item.open .faq-answer { max-height: 1400px; }
#faq-no-result { display: none; text-align: center; padding: 34px; color: var(--muted); }

/* Module FAQ : 2 colonnes + navigation latérale sticky */
.faq-layout { display: grid; grid-template-columns: minmax(0, 1fr) 290px; gap: 48px; align-items: start; }
.faq-col-main { min-width: 0; }
.faq-nav { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 22px 20px; box-shadow: var(--sh-sm); }
.faq-nav > strong { display: block; font-family: var(--font-display); font-size: .95rem; color: var(--navy); margin-bottom: 14px; }
.faq-nav ul { list-style: none; padding: 0; margin: 0 0 14px; }
.faq-nav li { margin-bottom: 2px; }
.faq-nav li a { display: flex; justify-content: space-between; align-items: center; gap: 10px; padding: 9px 12px; border-radius: var(--r-sm); color: var(--ink-2); font-weight: 600; font-size: .9rem; transition: all var(--t); }
.faq-nav li a::after { display: none; }
.faq-nav li a:hover { background: var(--soft); color: var(--navy); }
.faq-nav li a.active { background: var(--blue-50); color: var(--navy); }
.faq-nav-count { background: var(--soft); color: var(--muted); font-size: .72rem; font-weight: 800; padding: 2px 9px; border-radius: 999px; flex-shrink: 0; }
.faq-nav li a.active .faq-nav-count { background: var(--blue); color: #fff; }
.faq-toggle-all { width: 100%; padding: 11px; border-radius: var(--r-sm); background: var(--soft); color: var(--navy); font-weight: 700; font-size: .86rem; box-shadow: inset 0 0 0 1px var(--line); transition: all var(--t); }
.faq-toggle-all:hover { background: var(--blue-50); }
.faq-result-count { margin: 14px 0 0; font-weight: 700; color: var(--blue); font-size: .9rem; }
@media (max-width: 980px) {
  .faq-layout { grid-template-columns: 1fr; gap: 0; }
  .faq-aside { display: none; }
}

/* ============================ TABLES ============================ */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-lg); margin: 26px 0; background: #fff; }
table { width: 100%; border-collapse: collapse; }
th, td { padding: 15px 20px; text-align: left; }
thead th { background: var(--navy); color: #fff; font-family: var(--font-display); font-weight: 700; font-size: .9rem; }
tbody td { border-top: 1px solid var(--line); color: var(--ink-2); }
tbody tr:nth-child(even) { background: var(--soft); }
tbody tr:hover { background: var(--blue-50); }
.table-highlight td { background: var(--blue-50) !important; font-weight: 700; color: var(--navy); box-shadow: inset 4px 0 0 var(--cyan); }
table .num { font-variant-numeric: tabular-nums; font-weight: 800; color: var(--navy); }

/* ============================ TRUST STRIP ============================ */
.trust-row { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: clamp(26px, 5vw, 56px); }
.trust-item { display: flex; flex-direction: column; align-items: center; gap: 6px; color: var(--muted); font-weight: 600; font-size: .82rem; text-align: center; }
.trust-item .ti-badge { font-family: var(--font-display); font-weight: 800; font-size: 1.22rem; color: var(--navy); }

/* ============================ CTA BANDS ============================ */
.cta-final { position: relative; background: var(--navy); color: #fff; border-radius: var(--r-xl); padding: clamp(40px, 6vw, 70px) clamp(28px, 5vw, 56px); text-align: center; overflow: hidden; isolation: isolate; }
.cta-final::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(26rem 18rem at 85% -10%, rgba(30,202,211,0.28), transparent 60%), radial-gradient(22rem 16rem at 8% 120%, rgba(0,113,206,0.4), transparent 60%); }
.cta-final h2 { color: #fff; }
.cta-final p { color: rgba(255,255,255,0.8); max-width: 580px; margin: 14px auto 30px; font-size: 1.12rem; }

.cta-inline { position: relative; background: var(--blue-50); border: 1px solid var(--blue-100); border-left: 4px solid var(--cyan); border-radius: var(--r-md); padding: 30px; text-align: center; margin: 40px 0; }
.cta-inline p { font-family: var(--font-display); font-weight: 800; font-size: 1.16rem; margin-bottom: 18px; color: var(--navy); }

/* ============================ FOOTER ============================ */
footer { background: var(--navy); color: rgba(255,255,255,0.72); padding: clamp(48px, 6vw, 70px) 0 28px; position: relative; }
footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--blue), var(--cyan)); }
.footer-grid { display: grid; grid-template-columns: 1.5fr repeat(3, 1fr); gap: 40px; margin-bottom: 44px; }
.footer-col h3 { color: #fff; font-size: 1rem; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { color: rgba(255,255,255,0.72); font-size: .92rem; }
.footer-col a:hover { color: var(--cyan); }
.footer-brand .nav-logo { color: #fff; font-size: 1.3rem; }
.footer-brand .nav-logo .logo-mark { background: #fff; color: var(--navy); }
.footer-brand .nav-logo span { color: var(--cyan); }
.footer-brand p { font-size: .89rem; margin-top: 16px; max-width: 340px; line-height: 1.6; color: rgba(255,255,255,0.85); }
.footer-brand p strong, footer strong { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.16); padding-top: 24px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: .82rem; color: rgba(255,255,255,0.55); }

/* ============================ BLOG ============================ */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; transition: transform var(--t), box-shadow var(--t); }
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--sh-md); }
.blog-card-img { height: 132px; display: flex; align-items: flex-end; padding: 16px; background: linear-gradient(135deg, var(--navy), var(--blue)); position: relative; overflow: hidden; }
.blog-card-img::after { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; background: var(--cyan); }
.blog-card-img .badge-categorie { position: relative; z-index: 1; background: rgba(255,255,255,0.92); color: var(--navy); }
.blog-card-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.blog-card-body h3 { font-size: 1.12rem; margin-bottom: 10px; }
.blog-card-body h3 a { color: var(--navy); }
.blog-card-body h3 a:hover { color: var(--blue); }
.blog-card-excerpt { font-size: .92rem; color: var(--muted); margin-bottom: 16px; flex: 1; }
.blog-card-meta { font-size: .82rem; color: var(--muted); display: flex; justify-content: space-between; align-items: center; }
.blog-card-meta a { font-weight: 700; display: inline-flex; align-items: center; gap: 4px; color: var(--blue); }

/* Article à la une */
.blog-featured { display: grid; grid-template-columns: 1fr 1.1fr; background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--sh-sm); transition: transform var(--t), box-shadow var(--t); }
.blog-featured:hover { transform: translateY(-4px); box-shadow: var(--sh-lg); }
.blog-featured-media { position: relative; min-height: 230px; background: linear-gradient(150deg, var(--navy), var(--blue)); padding: 22px; }
.blog-featured-media::after { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 6px; background: var(--cyan); }
.blog-featured-media .badge-categorie { position: relative; z-index: 1; background: rgba(255,255,255,0.92); color: var(--navy); }
.blog-featured-body { padding: clamp(28px, 4vw, 48px); display: flex; flex-direction: column; justify-content: center; }
.blog-featured-body h2 { font-size: clamp(1.5rem, 1.2rem + 1.4vw, 2.1rem); margin: 10px 0 14px; color: var(--navy); }
.blog-featured-body p { color: var(--muted); margin-bottom: 20px; }
.blog-featured-link { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-display); font-weight: 800; color: var(--blue); }
.blog-featured-link svg { width: 18px; height: 18px; transition: transform var(--t); }
.blog-featured:hover .blog-featured-link svg { transform: translateX(4px); }
@media (max-width: 760px) { .blog-featured { grid-template-columns: 1fr; } .blog-featured-media { min-height: 150px; } }

/* ============================ ARTICLE ============================ */
.blog-article { padding: 36px 0 80px; }
.blog-article .container { max-width: 820px; }
.breadcrumb { font-size: .85rem; color: var(--muted); margin-bottom: 26px; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--blue); }
.article-header { margin-bottom: 34px; }
.article-header h1 { margin: 16px 0 18px; font-size: clamp(2rem, 1.5rem + 2vw, 2.8rem); }
.article-meta { font-size: .9rem; color: var(--muted); margin-bottom: 18px; }
.article-signature { display: flex; align-items: center; gap: 13px; }
.author-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-family: var(--font-display); font-weight: 800; font-size: .82rem; flex-shrink: 0; position: relative; overflow: hidden; }
.author-avatar::after { content: ""; position: absolute; bottom: 0; left: 0; right: 0; height: 5px; background: var(--cyan); }
.author-avatar.lg { width: 56px; height: 56px; font-size: 1.05rem; }
.sig-text { display: flex; flex-direction: column; gap: 2px; }
.sig-text strong { color: var(--navy); font-size: .98rem; }
.sig-sub { color: var(--muted); font-size: .85rem; }
.author-box { display: flex; gap: 16px; align-items: flex-start; margin-top: 40px; padding: 24px; background: var(--soft); border: 1px solid var(--line); border-radius: var(--r-lg); }
.author-box strong { color: var(--navy); display: block; margin-bottom: 5px; }
.author-box p { color: var(--muted); font-size: .92rem; margin: 0; }
.article-intro { font-size: 1.2rem; line-height: 1.55; color: var(--ink); font-weight: 500; }
.sommaire { background: var(--soft); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px 28px; margin-bottom: 40px; }
.sommaire strong { display: block; font-family: var(--font-display); margin-bottom: 12px; color: var(--navy); }
.sommaire ol { list-style: none; counter-reset: s; }
.sommaire li { margin-bottom: 8px; counter-increment: s; padding-left: 32px; position: relative; }
.sommaire li::before { content: counter(s); position: absolute; left: 0; top: 1px; width: 22px; height: 22px; background: var(--blue-50); color: var(--blue); border-radius: 50%; font-size: .74rem; font-weight: 800; display: grid; place-items: center; }
.blog-article article > h2 { margin-top: 44px; padding-top: 8px; }
.blog-article article > h3 { margin-top: 28px; }
.blog-article article p, .blog-article article li { font-size: 1.06rem; line-height: 1.72; }
.blog-article article ul { list-style: none; padding-left: 0; margin-bottom: 1.2rem; }
.blog-article article ul > li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.blog-article article ul > li::before { content: ""; position: absolute; left: 4px; top: 10px; width: 8px; height: 8px; border-radius: 50%; background: var(--cyan); }
.blog-article article ol { list-style: decimal; padding-left: 24px; margin-bottom: 1.2rem; }
.blog-article article ol > li { margin-bottom: 10px; padding-left: 6px; }
.note-box { background: var(--blue-50); border-left: 4px solid var(--blue); border-radius: 0 var(--r-md) var(--r-md) 0; padding: 20px 24px; margin: 28px 0; }
.warning-box { background: var(--warning-bg); border-left: 4px solid var(--warning); border-radius: 0 var(--r-md) var(--r-md) 0; padding: 20px 24px; margin: 28px 0; }
.article-update { font-size: .88rem; color: var(--muted); font-style: italic; margin-top: 36px; padding-top: 22px; border-top: 1px solid var(--line); }
.articles-lies { margin-top: 56px; }
.articles-lies h2 { font-size: 1.45rem; margin-bottom: 22px; }

/* ============================ MODULE BLOG (engagement) ============================ */
.blog-article .container { max-width: 1140px; }
.blog-article .breadcrumb, .blog-article .article-header { max-width: 760px; }

/* Barre de progression de lecture */
.read-progress { position: fixed; top: 0; left: 0; height: 3px; width: 0; background: linear-gradient(90deg, var(--blue), var(--cyan)); z-index: 1100; transition: width .08s linear; }

/* Bouton retour en haut */
.back-to-top { position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; box-shadow: var(--sh-md); opacity: 0; transform: translateY(14px); pointer-events: none; transition: all var(--t); z-index: 1000; }
.back-to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.back-to-top:hover { background: var(--blue); transform: translateY(-2px); }

/* Mise en page 2 colonnes */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 56px; align-items: start; margin-top: 8px; }
.article-main { min-width: 0; }
.article-main article { max-width: 760px; }
.aside-sticky { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 22px; }

/* Sommaire latéral (scroll-spy) */
.article-aside .toc { margin-bottom: 0; }
.article-aside .toc li::before { content: none; }
.article-aside .toc ol { counter-reset: none; }
.article-aside .toc li { padding-left: 14px; border-left: 2px solid var(--line); transition: border-color var(--t); }
.article-aside .toc a { color: var(--muted); font-size: .92rem; }
.article-aside .toc li:has(a.active) { border-left-color: var(--cyan); }
.article-aside .toc a.active { color: var(--navy); font-weight: 800; }

/* CTA latérale */
.aside-cta { background: var(--navy); color: #fff; border-radius: var(--r-lg); padding: 24px; position: relative; overflow: hidden; }
.aside-cta::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--cyan), var(--blue)); }
.aside-cta strong { display: block; font-family: var(--font-display); font-size: 1.05rem; line-height: 1.3; color: #fff; margin-bottom: 16px; }

/* Boutons de partage */
.article-share { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--line); }
.article-share span { font-weight: 800; color: var(--navy); font-size: .9rem; margin-right: 4px; }
.share-btn { height: 38px; padding: 0 16px; border-radius: var(--r-pill); display: inline-flex; align-items: center; justify-content: center; background: var(--soft); color: var(--navy); font-weight: 700; font-size: .85rem; box-shadow: inset 0 0 0 1px var(--line); transition: all var(--t); }
.share-btn:hover { background: var(--blue); color: #fff; box-shadow: none; transform: translateY(-2px); }

/* Bandeau d'article (cover) */
.article-hero { position: relative; max-width: 820px; background: linear-gradient(160deg, var(--soft), #fff); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(24px, 3vw, 36px); margin-bottom: 28px; overflow: hidden; }
.article-hero::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; background: var(--blue); }
.article-hero.cat-demarches::before { background: var(--cyan); }
.article-hero.cat-montants::before { background: var(--navy); }
.article-hero .breadcrumb { margin-bottom: 16px; }
.article-hero .article-header { max-width: none; margin-bottom: 0; }

/* En bref (points clés) */
.key-points { background: var(--blue-50); border: 1px solid var(--blue-100); border-radius: var(--r-lg); padding: 22px 26px; margin: 0 0 32px; }
.key-points > strong { display: inline-block; font-family: var(--font-display); text-transform: uppercase; letter-spacing: .08em; font-size: .76rem; color: var(--blue); margin-bottom: 12px; }
.key-points ul { list-style: none; padding-left: 0; margin: 0; }
.key-points li { position: relative; padding-left: 26px; margin-bottom: 9px; color: var(--ink-2); font-weight: 500; }
.key-points li:last-child { margin-bottom: 0; }
.key-points li::before { content: ""; position: absolute; left: 3px; top: 9px; width: 9px; height: 9px; border-radius: 50%; background: var(--cyan); }

/* Navigation précédent / suivant */
.article-pager { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 48px; }
.pager-card { display: flex; flex-direction: column; gap: 6px; padding: 20px 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); transition: all var(--t); }
.pager-card:hover { border-color: var(--blue-100); box-shadow: var(--sh-md); transform: translateY(-3px); }
.pager-card span { font-size: .8rem; color: var(--muted); font-weight: 700; }
.pager-card strong { color: var(--navy); font-family: var(--font-display); font-size: 1.02rem; line-height: 1.25; }
.pager-next { text-align: right; align-items: flex-end; }

/* Barre CTA mobile */
.mobile-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 1000; display: none; align-items: center; justify-content: space-between; gap: 12px; padding: 11px 16px; background: var(--navy); color: #fff; box-shadow: 0 -8px 24px rgba(16,42,92,0.28); transform: translateY(100%); transition: transform var(--t); }
.mobile-cta.show { transform: none; }
.mobile-cta span { font-weight: 700; font-size: .88rem; }
.mobile-cta .btn-primary { padding: 11px 18px; font-size: .88rem; box-shadow: none; }

@media (max-width: 980px) {
  .article-layout { grid-template-columns: 1fr; gap: 0; }
  .article-aside { display: none; }
  .article-main article { max-width: none; }
  .mobile-cta { display: flex; }
}
@media (max-width: 540px) {
  .article-pager { grid-template-columns: 1fr; }
  .pager-next { text-align: left; align-items: flex-start; }
}

/* ============================ LEGAL ============================ */
.legal { padding: clamp(36px, 5vw, 60px) 0 80px; }
.legal .container { max-width: 840px; }
.legal h1 { margin-bottom: 6px; }
.legal h2 { margin-top: 36px; font-size: 1.38rem; }
.legal h3 { margin-top: 22px; font-size: 1.1rem; }
.legal p, .legal li { color: var(--ink-2); }
.legal ul { list-style: none; padding-left: 0; margin-bottom: 1rem; }
.legal ul > li { position: relative; padding-left: 26px; margin-bottom: 9px; }
.legal ul > li::before { content: ""; position: absolute; left: 2px; top: 9px; width: 8px; height: 8px; border-radius: 50%; background: var(--cyan); }

/* ============================ REVEAL / MOTION ============================ */
[data-reveal], .animate-on-scroll { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
[data-reveal].in, .animate-on-scroll.visible { opacity: 1; transform: none; }
[data-reveal][data-delay="1"] { transition-delay: .08s; }
[data-reveal][data-delay="2"] { transition-delay: .16s; }
[data-reveal][data-delay="3"] { transition-delay: .24s; }
[data-reveal][data-delay="4"] { transition-delay: .32s; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  [data-reveal], .animate-on-scroll { opacity: 1; transform: none; }
}

/* ============================ UTILITIES ============================ */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 24px; } .mb-2 { margin-bottom: 24px; }
.hidden { display: none; }

/* ============================ RESPONSIVE ============================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 540px; margin-inline: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid, .grid-3, .grid-4, .bento { grid-template-columns: repeat(2, 1fr); }
  .bento .col-2 { grid-column: span 2; }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 980px) {
  .nav-links { position: fixed; inset: calc(var(--nav-h) + 38px) 12px auto 12px; flex-direction: column; align-items: stretch; gap: 4px; background: #fff; padding: 14px; border-radius: var(--r-lg); border: 1px solid var(--line); box-shadow: var(--sh-lg); transform: translateY(-120%); opacity: 0; pointer-events: none; transition: all var(--t); }
  .nav-links.open { transform: none; opacity: 1; pointer-events: auto; }
  .nav-links a { padding: 12px 14px; border-radius: var(--r-sm); font-size: 1rem; white-space: normal; }
  .nav-links a:hover { background: var(--soft); }
  .nav-links a::after { display: none; }
  .nav-cta { display: none; }
  .nav-links .nav-cta-li { display: block; }
  .nav-links .nav-cta-li .btn-primary { width: 100%; margin-top: 4px; }
  #burger { display: grid; }
}
@media (max-width: 760px) {
  .form-wrap { grid-template-columns: 1fr; }
  .form-side { order: -1; }
  .grid-2, .grid-3, .grid-4, .bento, .blog-grid, .steps { grid-template-columns: 1fr; }
  .bento .col-2 { grid-column: span 1; }
  .form-row { grid-template-columns: 1fr; }
  .calc-modes { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  body { font-size: 16px; }
}
@media (max-width: 400px) {
  .container { padding-inline: 16px; }
  .hero-badge-abs { display: none; }
}