/* ============ retraitefrontalier.fr — design system (Kobalt Patrimoine) ============ */
/* Polices chargees en parallele via <link rel="preconnect"/"stylesheet"> dans le <head> (perf/LCP) — plus d'@import render-blocking ici. */

:root{
  --navy:#0f1e2d; --navy-2:#1d364d;
  --teal:#3e8b92; --teal-d:#347880; --teal-l:#62a9af;
  --paper:#f5f7f8; --white:#ffffff; --ink:#0f1e2d; --muted:#56656f; --line:#e0e6ea;
  --gold:#c2a878;
  --shadow:0 18px 50px -24px rgba(15,30,45,.25);
  --shadow-soft:0 8px 24px -16px rgba(15,30,45,.2);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px;margin:0 auto;padding:0 22px}
h1,h2{font-family:'Montserrat',system-ui,sans-serif;font-weight:800;letter-spacing:-.01em;line-height:1.08}
h3,h4{line-height:1.2;letter-spacing:-.01em;font-weight:700}
.serif{font-family:'Montserrat',system-ui,sans-serif;font-weight:800;letter-spacing:-.01em}
.teal{color:var(--teal)}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--teal)}
.eyebrow{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-l);background:rgba(98,169,175,.1);border:1px solid rgba(98,169,175,.25);padding:.4rem .85rem;border-radius:6px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;border-radius:6px;font-weight:600;font-size:.95rem;padding:.82rem 1.5rem;transition:.18s;cursor:pointer;border:0;white-space:nowrap}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-d);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.32)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2)}
.btn-outline{background:#fff;color:var(--ink);border:1px solid var(--line)}
.btn-outline:hover{border-color:var(--teal);color:var(--teal-d)}

/* nav */
header.nav{position:sticky;top:0;z-index:50;background:rgba(15,30,45,.93);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;font-weight:700;font-size:1.05rem}
.brand .dot{width:30px;height:30px;border-radius:6px;background:linear-gradient(135deg,var(--teal-l),var(--teal));display:grid;place-items:center;color:var(--navy);font-weight:800;font-size:.95rem}
.brand .x{color:rgba(255,255,255,.4);font-weight:500}
.nav nav{display:flex;align-items:center;gap:1.3rem}
.nav a.lnk{color:rgba(255,255,255,.8);font-size:.9rem;font-weight:500}
.nav a.lnk:hover{color:#fff}
@media(max-width:880px){.nav a.lnk{display:none}}

/* hero */
.hero{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 58%,var(--navy) 100%);color:#fff;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-90px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(98,169,175,.16),transparent 70%)}
.hero .wrap{padding:88px 22px 78px;position:relative;z-index:2}
.hero h1{font-size:3.5rem;margin:1.4rem 0 0;max-width:18ch}
.hero p.sub{margin-top:1.2rem;font-size:1.15rem;color:rgba(255,255,255,.82);max-width:56ch}
.hero .actions{margin-top:2rem;display:flex;gap:.8rem;flex-wrap:wrap}
.hero .trust{margin-top:2.4rem;display:flex;gap:1.6rem;flex-wrap:wrap;color:rgba(255,255,255,.6);font-size:.85rem}
.hero .trust b{color:var(--teal-l)}
@media(max-width:760px){.hero h1{font-size:2.3rem}.hero .wrap{padding:62px 22px 54px}}

/* sections */
section.block{padding:70px 0}
section.block.alt{background:var(--white)}
.sec-head{max-width:60ch}
.sec-head h1,.sec-head h2{font-size:2.35rem;margin:.55rem 0 0}
.sec-head p{color:var(--muted);font-size:1.05rem;margin-top:.9rem}

.grid{display:grid;gap:18px;margin-top:34px}
.cols-2{grid-template-columns:repeat(2,1fr)}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.cols-3,.cols-4{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.cols-2,.cols-3,.cols-4{grid-template-columns:1fr}}

.card{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:26px;transition:.18s}
section.alt .card{background:var(--paper)}
.card.hover:hover{transform:translateY(-3px);border-color:var(--teal);box-shadow:var(--shadow-soft)}
.card h3{font-size:1.15rem;margin-bottom:.45rem}
.card p{color:var(--muted);font-size:.95rem}
.ic{width:46px;height:46px;border-radius:6px;background:rgba(62,139,146,.1);color:var(--teal);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}

/* stat row */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:30px}
@media(max-width:760px){.stats{grid-template-columns:1fr 1fr}}
.stat{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:22px}
section.alt .stat{background:var(--paper)}
.stat .v{display:block;font-size:1.9rem;font-weight:800;color:var(--navy);letter-spacing:-.02em;line-height:1.05;font-variant-numeric:tabular-nums;margin-bottom:.7rem}
.stat .l{display:block;color:var(--muted);font-size:.9rem;line-height:1.5}

/* article cards */
.acard{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--line);border-radius:6px;padding:26px;transition:.18s}
section.alt .acard{background:var(--paper)}
.acard:hover{transform:translateY(-3px);border-color:var(--teal);box-shadow:var(--shadow-soft)}
.acard .cat{font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);background:rgba(62,139,146,.08);padding:.32rem .7rem;border-radius:6px;align-self:flex-start}
.acard h3{margin-top:14px;font-size:1.12rem;line-height:1.3}
.acard p{margin-top:8px;color:var(--muted);font-size:.93rem;flex:1}
.acard .more{margin-top:16px;color:var(--teal);font-weight:600;font-size:.9rem;display:inline-flex;gap:.35rem;align-items:center}
.acard:hover .more{gap:.6rem}

/* callout */
.callout{background:rgba(62,139,146,.06);border:1px solid rgba(62,139,146,.18);border-left:4px solid var(--teal);border-radius:6px;padding:20px 22px;margin:24px 0}
.callout strong{color:var(--teal-d)}
.callout p{margin-top:.3rem;color:var(--ink);font-size:.97rem}
.warn{background:rgba(194,168,120,.08);border-color:rgba(194,168,120,.3);border-left-color:var(--gold)}
.warn strong{color:#9a7a2e}

/* comparison table */
.tbl-wrap{overflow-x:auto;margin-top:30px;border:1px solid var(--line);border-radius:6px;background:#fff}
table.cmp{width:100%;border-collapse:collapse;min-width:620px}
table.cmp th,table.cmp td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:.94rem}
table.cmp thead th{background:var(--navy);color:#fff;font-weight:600;font-size:.86rem;letter-spacing:.02em}
table.cmp thead th:first-child{border-top-left-radius:0}
table.cmp tbody tr:last-child td{border-bottom:0}
table.cmp tbody td:first-child{font-weight:600;color:var(--navy)}
table.cmp tbody tr:nth-child(even){background:var(--paper)}
table.cmp .good{color:var(--teal-d);font-weight:600}
table.cmp .bad{color:#c0392b;font-weight:600}

/* article prose */
.prose{max-width:740px;margin:0 auto}
.prose p{margin:1.05rem 0;color:#24323b;font-size:1.04rem}
.prose h2{font-size:1.65rem;margin:2.2rem 0 .2rem}
.prose h3{font-size:1.25rem;margin:1.7rem 0 .2rem}
.prose ul,.prose ol{margin:1rem 0 1rem 1.2rem}
.prose li{margin:.5rem 0;color:#24323b}
.prose blockquote{border-left:3px solid var(--teal);padding:.4rem 0 .4rem 1.2rem;margin:1.4rem 0;font-family:'Montserrat',system-ui,sans-serif;font-size:1.2rem;color:var(--navy)}
.prose a{color:var(--teal-d);text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(62,139,146,.35)}
.prose a:hover{text-decoration-color:var(--teal)}
/* boutons dans .prose : garder leur style (pas le style lien teal souligne) */
.prose a.btn{text-decoration:none}
.prose a.btn-primary{color:#fff}
.prose a.btn-ghost{color:var(--teal-d);background:transparent;border:1px solid #cfe0e0}
.prose a.btn-ghost:hover{background:var(--paper);border-color:var(--teal)}
.prose .src{font-size:.82rem;color:#8c99a1;margin-top:2.4rem;border-top:1px solid var(--line);padding-top:1rem;line-height:1.7}
.prose .src a{color:#8c99a1}
.article-head{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:80px 0 56px}
.article-head .meta{color:rgba(255,255,255,.6);font-size:.85rem;margin-top:1rem;display:flex;gap:.7rem;flex-wrap:wrap;align-items:center}
.article-head h1{font-size:2.3rem;margin-top:1rem;max-width:24ch}
.article-head .chip{background:rgba(98,169,175,.12);border:1px solid rgba(98,169,175,.25);color:var(--teal-l);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;padding:.32rem .75rem;border-radius:6px}

/* calculator */
.calc{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:6px;padding:38px;margin-top:34px;display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:center}
@media(max-width:820px){.calc{grid-template-columns:1fr;padding:26px}}
.calc label{display:block;font-size:.82rem;color:rgba(255,255,255,.72);margin-bottom:.4rem;font-weight:500}
.calc input[type=number]{width:100%;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.06);color:#fff;border-radius:6px;padding:14px 16px;font-size:1.15rem;font-weight:700}
.calc input[type=number]:focus{outline:none;border-color:var(--teal-l)}
.calc input[type=range]{width:100%;accent-color:var(--teal-l);margin-top:16px}
.result{background:rgba(98,169,175,.1);border:1px solid rgba(98,169,175,.3);border-radius:6px;padding:24px}
.result .big{font-size:2.3rem;font-weight:800;color:var(--teal-l);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.result .small{color:rgba(255,255,255,.75);font-size:.9rem;margin-top:.3rem}
.result .row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-top:1px solid rgba(255,255,255,.1);margin-top:12px}
.note{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:14px;line-height:1.55}

/* final CTA */
.final{background:linear-gradient(120deg,var(--teal-d),var(--teal));color:#fff;border-radius:6px;padding:54px 40px;text-align:center}
.final h2{font-size:2rem;max-width:24ch;margin:0 auto}
.final p{margin:1rem auto 0;max-width:52ch;color:rgba(255,255,255,.92)}
.final .actions{margin-top:2rem;display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}
.final .btn-primary{background:#fff;color:var(--teal-d)}
.final .btn-primary:hover{background:#f4efe3}

/* breadcrumb */
.crumb{font-size:.85rem;color:var(--muted);padding:18px 0}
.crumb a{color:var(--teal-d)}

/* footer */
footer.ft{background:var(--navy);color:rgba(255,255,255,.7);padding:54px 0 28px}
footer.ft .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:30px}
@media(max-width:760px){footer.ft .cols{grid-template-columns:1fr}}
footer.ft h5{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
footer.ft a{display:block;color:rgba(255,255,255,.7);font-size:.9rem;padding:4px 0}
footer.ft a:hover{color:var(--teal-l)}
footer.ft .bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:20px;font-size:.8rem;color:rgba(255,255,255,.45);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.disclaimer{font-size:.8rem;color:var(--muted);margin-top:24px;line-height:1.6;background:var(--white);border:1px solid var(--line);border-radius:6px;padding:16px 18px}
section.alt .disclaimer{background:var(--paper)}

/* lead form (connexion CRM) */
.leadbox{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;background:linear-gradient(120deg,var(--teal-d),var(--teal));color:#fff;border-radius:6px;padding:46px}
@media(max-width:820px){.leadbox{grid-template-columns:1fr;padding:28px}}
.leadbox h2{font-size:1.85rem;max-width:18ch}
.leadbox p{margin-top:.85rem;color:rgba(255,255,255,.92);font-size:1.02rem}
.leadbox .alt{margin-top:1.5rem}
.lform{background:#fff;border-radius:6px;padding:24px}
.lform .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:480px){.lform .row2{grid-template-columns:1fr}}
.lform input,.lform textarea{width:100%;border:1px solid var(--line);background:var(--paper);border-radius:6px;padding:12px 14px;font-size:.95rem;font-family:inherit;margin-top:12px;color:var(--ink);resize:vertical}
.lform .row2 input{margin-top:0}
.lform input:focus,.lform textarea:focus{outline:none;border-color:var(--teal);background:#fff}
.lform button{width:100%;margin-top:14px;justify-content:center}
.lform .msg{margin-top:10px;font-size:.9rem;text-align:center;min-height:1.1em;font-weight:600}
.lform .legal{margin-top:10px;font-size:.72rem;color:var(--muted);text-align:center;line-height:1.45}


/* logo + illustration */
.logomark{width:30px;height:30px;display:block;flex-shrink:0}
.hero-art{margin:2.8rem auto 0;max-width:560px}
.hero-art svg{width:100%;height:auto;display:block;filter:drop-shadow(0 26px 54px rgba(0,0,0,.4))}

/* split image + texte */
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
@media(max-width:820px){.split{grid-template-columns:1fr;gap:24px}}
.split-img img{width:100%;height:100%;max-height:430px;object-fit:cover;border-radius:6px;box-shadow:var(--shadow);display:block}
.ticks{list-style:none;margin:1.3rem 0 0;padding:0}
.ticks li{position:relative;padding-left:1.9rem;margin:.6rem 0;color:#24323b;font-size:1.02rem}
.ticks li:before{content:"\2713";position:absolute;left:0;top:0;color:var(--teal);font-weight:800}

/* === refonte premium (inspiration Ramify, thème Kobalt) === */
section.block{padding:90px 0}
.sec-head h1,.sec-head h2{font-size:2.35rem;letter-spacing:-.03em;line-height:1.1}
.sec-head p{font-size:1.08rem;margin-top:1.1rem}
.hero h1{letter-spacing:-.032em}
.card{padding:32px 30px 30px;border-radius:6px;border-color:#e8eded;position:relative}
.card:before{content:"";position:absolute;top:32px;left:30px;width:30px;height:3px;background:var(--teal);border-radius:2px}
.card h3{margin-top:18px;font-size:1.18rem}
.card.hover:hover{transform:translateY(-4px);box-shadow:0 24px 52px -30px rgba(15,30,45,.32)}
.acard{padding:30px;border-radius:6px}
.acard .cat{background:transparent;padding:0;color:var(--teal);letter-spacing:.14em}
.btn{padding:.86rem 1.6rem;font-weight:600}
.leadbox{border-radius:6px}
.stat{border-radius:6px;padding:26px 24px}
.stat .v{font-size:2.05rem}
.tag{font-size:.7rem;letter-spacing:.18em}

/* hero 2 colonnes avec photo (style Ramify) */
.hero .wrap.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;padding:80px 22px}
@media(max-width:880px){.hero .wrap.hero-grid{grid-template-columns:1fr;gap:30px;padding:54px 22px}}
.hero-photo img{width:100%;height:100%;max-height:470px;object-fit:cover;border-radius:6px;box-shadow:0 34px 66px -32px rgba(0,0,0,.55);display:block}
.hero-text .trust{margin-top:2rem}

/* === ajustements demandés === */
/* logo plus gros + .fr identique au reste */
.logomark{width:40px;height:40px}
.brand{font-size:1.2rem;gap:.55rem}
.brand .x{color:#fff;font-weight:700}
/* moins de teal sur le bleu foncé (rendu plus haut de gamme) */
.hero h1 .teal{color:#fff}
.hero .trust b{color:rgba(255,255,255,.92)}
.hero:after{background:radial-gradient(circle,rgba(255,255,255,.05),transparent 70%)}
.article-head .chip{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.2);color:rgba(255,255,255,.85)}
footer.ft a:hover{color:#fff}
/* alignements propres */
.hero-text{text-align:left}
.sec-head h2,.sec-head p{text-align:left}
/* base des animations (l'apparition est pilotée par app.js) */
.reveal-ready{will-change:opacity,transform}

/* bande de confiance + bilan (style SCPI-8) */
.trustband{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:6px;background:#fff;overflow:hidden}
@media(max-width:760px){.trustband{grid-template-columns:1fr 1fr}}
.trustband>div{padding:20px 22px;border-right:1px solid var(--line)}
@media(max-width:760px){.trustband>div:nth-child(2n){border-right:0}}
.trustband>div:last-child{border-right:0}
.trustband strong{display:block;color:var(--navy);font-size:1rem}
.trustband span{color:var(--muted);font-size:.85rem}
.bilancard{max-width:700px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:6px;padding:36px;box-shadow:var(--shadow)}
.progress{height:6px;background:var(--paper);border-radius:6px;overflow:hidden;margin-bottom:8px}
.progress i{display:block;height:100%;width:20%;background:var(--teal);transition:width .35s;border-radius:6px}
.progress-l{font-size:.78rem;color:var(--muted);margin-bottom:22px}
.bstep h2{font-size:1.55rem}
.opts{display:grid;gap:10px;margin-top:22px}
.opt{text-align:left;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:15px 18px;font-size:1rem;font-weight:500;cursor:pointer;transition:.15s;font-family:inherit;color:var(--ink);display:flex;justify-content:space-between;align-items:center}
.opt:hover{border-color:var(--teal);background:#fff;transform:translateX(3px)}
.opt:after{content:"→";color:var(--teal);opacity:0;transition:.15s}
.opt:hover:after{opacity:1}
.bform{margin-top:22px}
.bform .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:480px){.bform .row2{grid-template-columns:1fr}}
.bform input{width:100%;border:1px solid var(--line);background:var(--paper);border-radius:6px;padding:13px 15px;font-size:1rem;font-family:inherit;margin-top:12px}
.bform input:focus{outline:none;border-color:var(--teal);background:#fff}
.bback{background:none;border:0;color:var(--muted);font-size:.85rem;cursor:pointer;margin-top:18px;font-family:inherit}
.bback:hover{color:var(--teal-d)}

/* === marque plus grande + "2" distinct === */
.brand{font-size:1.42rem;gap:.5rem;letter-spacing:-.01em}
.brand .b2{color:var(--teal-l);font-weight:800}
.brand .x{color:#fff;font-weight:700}

/* === footer premium === */
footer.ft{background:var(--navy);color:rgba(255,255,255,.68);padding:64px 0 30px;border-top:3px solid var(--teal);margin-top:0}
footer.ft .ft-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:40px}
@media(max-width:900px){footer.ft .ft-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){footer.ft .ft-grid{grid-template-columns:1fr}}
footer.ft .ft-logo{font-size:1.5rem;margin-bottom:16px;color:#fff}
footer.ft .ft-about p{font-size:.92rem;max-width:44ch;line-height:1.75;color:rgba(255,255,255,.6)}
footer.ft .ft-contact{display:flex;flex-direction:column;gap:7px;margin-top:22px}
footer.ft .ft-contact a,footer.ft .ft-contact span{font-size:.9rem;color:rgba(255,255,255,.78)}
footer.ft .ft-contact a{transition:.15s}
footer.ft .ft-contact a:hover{color:var(--teal-l)}
footer.ft h5{color:#fff;font-size:.75rem;letter-spacing:.15em;text-transform:uppercase;margin-bottom:16px;font-weight:700}
footer.ft .ft-col a{display:block;color:rgba(255,255,255,.66);font-size:.92rem;padding:6px 0;transition:.15s}
footer.ft .ft-col a:hover{color:#fff;padding-left:5px}
footer.ft .ft-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:46px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.82rem;color:rgba(255,255,255,.45)}

/* en-tete clair avec logo image (style Ramify) */
header.nav{background:rgba(255,255,255,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav .wrap{height:72px}
.nav a.lnk{color:var(--ink);font-weight:500}
.nav a.lnk:hover{color:var(--teal-d)}
.brand .logo-img{height:40px;width:auto;display:block}

/* bandeaux image */
.article-head{background-size:cover;background-position:center}
/* carrousel simulateurs */
.carousel-wrap{position:relative;margin-top:22px}
.carousel{display:flex;gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;padding:6px 2px 18px}
.carousel::-webkit-scrollbar{height:6px}.carousel::-webkit-scrollbar-thumb{background:var(--line);border-radius:6px}
.simcard{flex:0 0 330px;scroll-snap-align:center;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden;transition:.18s;color:var(--ink)}
@media(max-width:560px){.simcard{flex-basis:84%}}
.simcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-soft);border-color:var(--teal)}
.simcard-img{height:170px;background-size:cover;background-position:center;display:block}
.simcard-body{padding:22px;display:flex;flex-direction:column;flex:1}
.simcard-body .cat{font-size:.7rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
.simcard-body h3{margin-top:8px;font-size:1.18rem}
.simcard-body p{margin-top:8px;color:var(--muted);font-size:.92rem;flex:1}
.simcard-body .more{margin-top:14px;color:var(--teal);font-weight:600;font-size:.9rem}
.car-arrow{position:absolute;top:38%;transform:translateY(-50%);width:44px;height:44px;border-radius:50%;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-soft);cursor:pointer;font-size:1.6rem;line-height:1;color:var(--navy);z-index:5;display:grid;place-items:center}
.car-prev{left:-10px}.car-next{right:-10px}
.car-arrow:hover{background:var(--teal);color:#fff;border-color:var(--teal)}
@media(max-width:560px){.car-arrow{display:none}}

/* Cartes articles : image + date */
.acard{padding:0;overflow:hidden;display:flex;flex-direction:column}
.acard-img{height:158px;background-size:cover;background-position:center;display:block;width:100%}
.acard-body{padding:20px 22px 22px;display:flex;flex-direction:column;flex:1}
.acard-body .cat{font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--teal)}
.acard-body h3{margin-top:8px}
.acard-body p{flex:1}
.acard-meta{margin-top:14px;font-size:.78rem;color:var(--muted)}
.acard-body .more{margin-top:8px}

/* ===== logo lockup en-tete (embleme + 2eme pilier.fr) ===== */
.brand-lock{display:flex;align-items:center;gap:.55rem;color:var(--navy)}
.brand-lock .logomark{width:38px;height:38px;flex-shrink:0}
.brand-name{font-size:1.4rem;font-weight:800;color:var(--navy);letter-spacing:-.015em;line-height:1;white-space:nowrap}
.brand-lock .b2{color:var(--teal);font-weight:800}
.brand-name sup{color:var(--teal);font-size:.5em;font-weight:800;vertical-align:super;letter-spacing:0;margin-left:.02em}
.ft-logo sup{color:var(--teal-l);font-size:.5em;font-weight:800;vertical-align:super}
@media(max-width:400px){.brand-name{font-size:1.18rem}.brand-lock .logomark{width:33px;height:33px}}

/* ===== menu mobile (hamburger) ===== */
.navtoggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;background:none;border:0;cursor:pointer;padding:9px;margin-left:auto}
.navtoggle span{display:block;height:2px;width:100%;background:var(--navy);border-radius:2px;transition:.22s}
.nav.open .navtoggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav.open .navtoggle span:nth-child(2){opacity:0}
.nav.open .navtoggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:880px){
  .navtoggle{display:flex}
  .navlinks{position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:6px 22px 20px;box-shadow:var(--shadow-soft);transform:translateY(-10px);opacity:0;pointer-events:none;transition:transform .22s,opacity .22s;max-height:calc(100vh - 72px);overflow-y:auto}
  .nav.open .navlinks{transform:none;opacity:1;pointer-events:auto}
  .nav a.lnk{display:block!important;padding:14px 2px;font-size:1.02rem;border-bottom:1px solid var(--line);color:var(--ink)}
  .navlinks .btn{margin-top:16px;justify-content:center;width:100%}
}
@media(max-width:360px){.nav .wrap{gap:.4rem}}

/* ANIMATIONS v2 */
@media (prefers-reduced-motion: no-preference){
  .hero .tag,.hero h1,.hero p.sub,.hero .actions,.hero .trust{opacity:0;animation:heroIn .7s cubic-bezier(.2,.7,.3,1) forwards}
  .hero h1{animation-delay:.06s}.hero p.sub{animation-delay:.14s}.hero .actions{animation-delay:.22s}.hero .trust{animation-delay:.3s}
  @keyframes heroIn{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
}
@media(min-width:881px){
  .nav a.lnk{position:relative}
  .nav a.lnk:after{content:"";position:absolute;left:0;bottom:-5px;height:2px;width:0;background:var(--teal);transition:width .22s;border-radius:2px}
  .nav a.lnk:hover:after{width:100%}
}
.btn{transition:.2s}
.btn-primary:hover,.btn-outline:hover,.btn-dark:hover{transform:translateY(-2px)}
.card.hover:hover,.acard:hover,.simcard:hover{box-shadow:0 26px 54px -28px rgba(15,30,45,.35)}
.logomark{transition:transform .3s}
.brand:hover .logomark{transform:rotate(-4deg) scale(1.05)}
/* etapes (page services) */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
@media(max-width:820px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}
.step{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:26px 24px;position:relative;transition:.18s}
section.alt .step{background:var(--paper)}
.step:hover{transform:translateY(-4px);border-color:var(--teal);box-shadow:var(--shadow-soft)}
.step-n{display:grid;place-items:center;width:40px;height:40px;border-radius:6px;background:rgba(62,139,146,.1);color:var(--teal-d);font-weight:800;font-size:1.1rem;margin-bottom:14px}
.step h3{font-size:1.1rem}
.step p{color:var(--muted);font-size:.93rem;margin-top:.4rem}

/* FOND ANIME + SCHEMAS */
.hero-bg{position:absolute;inset:0;z-index:0;overflow:hidden;pointer-events:none}
.orb{position:absolute;border-radius:50%;opacity:.55;will-change:transform}
.o1{width:560px;height:560px;background:radial-gradient(circle,rgba(98,169,175,.42),transparent 62%);top:-180px;left:-140px;animation:drift1 19s ease-in-out infinite}
.o2{width:500px;height:500px;background:radial-gradient(circle,rgba(62,139,146,.5),transparent 62%);bottom:-220px;right:-120px;animation:drift2 23s ease-in-out infinite}
.o3{width:440px;height:440px;background:radial-gradient(circle,rgba(98,169,175,.28),transparent 66%);top:30%;left:50%;animation:drift3 27s ease-in-out infinite}
@keyframes drift1{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(90px,70px) scale(1.08)}}
@keyframes drift2{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(-80px,-60px) scale(1.1)}}
@keyframes drift3{0%,100%{transform:translate(-50%,0) scale(1)}50%{transform:translate(-42%,-52px) scale(1.12)}}
@media(prefers-reduced-motion:reduce){.orb{animation:none}}

/* schema 3 piliers */
.pillars3{max-width:720px;margin:44px auto 0}
.p3-roof{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;border-radius:6px 16px 6px 6px;text-align:center;padding:15px 20px;font-weight:700;font-size:1.05rem;position:relative;z-index:2;box-shadow:0 14px 32px -20px rgba(15,30,45,.6)}
.p3-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;align-items:end;padding:26px 20px 0;background:linear-gradient(180deg,rgba(62,139,146,.06),rgba(62,139,146,0));border-left:1px solid var(--line);border-right:1px solid var(--line);border-bottom:3px solid var(--navy)}
.p3-col{display:flex;flex-direction:column;align-items:center}
.p3-bar{width:64%;border-radius:6px 8px 0 0;transform:scaleY(0);transform-origin:bottom;transition:transform 1s cubic-bezier(.2,.7,.3,1)}
.p3-col:nth-child(2) .p3-bar{transition-delay:.15s}
.p3-col:nth-child(3) .p3-bar{transition-delay:.3s}
.js-reveal.reveal-on .p3-bar{transform:scaleY(1)}
.b1{height:112px;background:#375068}
.b2{height:190px;background:linear-gradient(180deg,var(--teal-l),var(--teal))}
.b3{height:142px;background:#375068}
.p3-cap{margin-top:14px;text-align:center;padding-bottom:22px}
.p3-cap strong{display:block;font-size:1.02rem;color:var(--navy)}
.p3-cap em{font-style:normal;font-size:.78rem;color:var(--teal-d);font-weight:700;letter-spacing:.04em}
.p3-cap small{display:block;font-size:.8rem;color:var(--muted);margin-top:5px;line-height:1.4}
.p3-col.hl .p3-cap strong{color:var(--teal-d)}
@media(prefers-reduced-motion:reduce){.p3-bar{transform:scaleY(1);transition:none}}
@media(max-width:520px){.b1{height:82px}.b2{height:142px}.b3{height:106px}.p3-cap small{display:none}.p3-bar{width:74%}}

/* SCHEMA FLUX */
.flowdiag{max-width:820px;margin:38px auto 0}
.flowdiag svg{width:100%;height:auto;display:block;overflow:visible}
.flow-base{stroke:var(--line);stroke-width:3}
.flow-dash{stroke:var(--teal);stroke-width:3;stroke-dasharray:2 13;stroke-linecap:round;animation:flowmove 1.1s linear infinite}
@keyframes flowmove{to{stroke-dashoffset:-15}}
.fnode{transform-box:fill-box;transform-origin:center;animation:fpulse 2.6s ease-in-out infinite}
.fnode .fn-o{fill:var(--teal)}
.fnode .fn-i{fill:#fff}
.fnode.n2{animation-delay:.35s}.fnode.n3{animation-delay:.7s}.fnode.n4{animation-delay:1.05s}
@keyframes fpulse{0%,100%{transform:scale(1)}50%{transform:scale(1.09)}}
.flow-dot{fill:var(--teal-l)}
.flabel text{fill:var(--navy);font-family:'Montserrat',sans-serif;font-size:16px;font-weight:600}
.flabel .fsub{fill:var(--muted);font-size:12px;font-weight:500}
.steps .step-n{animation:snpulse 2.6s ease-in-out infinite}
.steps .step:nth-child(2) .step-n{animation-delay:.35s}
.steps .step:nth-child(3) .step-n{animation-delay:.7s}
.steps .step:nth-child(4) .step-n{animation-delay:1.05s}
@keyframes snpulse{0%,100%{box-shadow:0 0 0 0 rgba(62,139,146,0)}50%{box-shadow:0 0 0 9px rgba(62,139,146,.13)}}
@media(prefers-reduced-motion:reduce){.flow-dash,.fnode,.steps .step-n{animation:none}.flow-dot{display:none}}
@media(max-width:620px){.flabel text{font-size:20px}.flabel .fsub{font-size:15px}}

/* VIDEO + EFFETS DYN */
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.hero-veil{position:absolute;inset:0;z-index:1;background:linear-gradient(120deg,rgba(15,30,45,.74),rgba(29,54,77,.55) 55%,rgba(15,30,45,.78))}
/* wordmark logo (un L a pilier) */
.brand-word{display:inline-block;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.42rem;letter-spacing:-.02em;line-height:1;color:var(--navy);white-space:nowrap}
.brand-word .bw2{color:var(--teal-d);font-weight:800;font-size:1.12em}
.brand-word .bwe{color:var(--teal-d);font-weight:800;font-size:.55em;vertical-align:.5em}
.brand-word .bwt{margin-left:.14em;color:var(--navy)}
@media(max-width:400px){.brand-word{font-size:1.18rem}}
/* barre de progression de defilement */
.scrollbar{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--teal),var(--teal-l));z-index:200;transition:width .12s ease-out;pointer-events:none}
/* header : ombre au defilement */
header.nav{transition:box-shadow .25s,background .25s}
header.nav.scrolled{box-shadow:0 8px 26px -16px rgba(15,30,45,.28)}
/* bouton retour en haut */
.totop{position:fixed;right:20px;bottom:20px;width:46px;height:46px;border-radius:50%;background:var(--teal);color:#fff;border:0;cursor:pointer;display:grid;place-items:center;box-shadow:var(--shadow-soft);opacity:0;transform:translateY(12px) scale(.9);pointer-events:none;transition:.25s;z-index:120}
.totop.show{opacity:1;transform:none;pointer-events:auto}
.totop:hover{background:var(--teal-d);transform:translateY(-2px)}
/* zoom image des cartes au survol */
.acard-img,.simcard-img{transition:transform .45s cubic-bezier(.2,.7,.3,1)}
.acard:hover .acard-img,.simcard:hover .simcard-img{transform:scale(1.06)}
/* brillance des boutons primaires */
.btn-primary{position:relative;overflow:hidden}
.btn-primary::after{content:"";position:absolute;top:0;left:-130%;width:55%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.28),transparent);transform:skewX(-18deg);transition:left .55s ease;pointer-events:none}
.btn-primary:hover::after{left:140%}
@media(prefers-reduced-motion:reduce){.hero-video{display:none}.acard:hover .acard-img,.simcard:hover .simcard-img{transform:none}.btn-primary::after{display:none}}

/* WORDMARK 2emepilier */
.brand-word .bwt{margin-left:0}
.ft-logo.brand-word{display:inline-block;font-size:1.5rem;margin-bottom:16px}
.ft-logo.brand-word .bw2{color:var(--teal-l);font-size:1.12em;font-weight:800}
.ft-logo.brand-word .bwt{color:#fff}
/* nav-7-onglets */@media(min-width:881px){.nav .wrap{max-width:1200px}.nav nav{gap:.85rem}.nav a.lnk{white-space:nowrap;font-size:.87rem}}

/* pages communes : grille de liens (maillage interne) */
.voisins-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:8px}
.voisins-grid a{display:block;padding:.62rem .85rem;background:var(--white);border:1px solid var(--line);border-radius:6px;color:var(--ink);font-size:.9rem;font-weight:600;text-decoration:none;transition:border-color .15s,transform .15s,box-shadow .15s}
.voisins-grid a:hover{border-color:var(--teal);color:var(--teal-d);transform:translateY(-1px);box-shadow:var(--shadow-soft)}
/* ===== Conversion upgrades (hero + simulateur) v2 ===== */
.hero-eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-l);background:rgba(98,169,175,.10);border:1px solid rgba(98,169,175,.28);padding:.4rem .85rem;border-radius:6px;margin-bottom:1.1rem}
.btn-xl{font-size:1.12rem;padding:1.05rem 2.1rem;box-shadow:0 18px 40px -14px rgba(62,139,146,.65);font-weight:700}
.btn-xl:hover{transform:translateY(-2px)}
.hero-reassure{margin:.95rem 0 0;display:flex;flex-wrap:wrap;gap:.4rem 1.15rem;color:rgba(255,255,255,.72);font-size:.9rem;font-weight:500}
.hero-reassure span{position:relative;padding-left:1.35rem}
.hero-reassure span::before{content:"✓";position:absolute;left:0;color:var(--teal-l);font-weight:800}
@media(max-width:560px){.btn-xl{width:100%;justify-content:center;font-size:1.05rem}}

/* ===== Simulateur v2 : résultat gratuit + anomalie + analyse verrouillée ===== */
.sim-free{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:6px;padding:22px 24px;text-align:center}
.sim-free-label{display:block;font-size:.82rem;font-weight:600;letter-spacing:.02em;color:rgba(255,255,255,.72)}
.sim-free-label em{display:inline-block;font-style:normal;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--teal-l);background:rgba(98,169,175,.14);border:1px solid rgba(98,169,175,.3);padding:.15rem .5rem;border-radius:6px;margin-left:.4rem;vertical-align:middle}
.sim-free-num{font-family:'Montserrat',system-ui,sans-serif;font-weight:600;font-size:2.9rem;line-height:1.05;margin:.35rem 0 .2rem;color:#fff;font-variant-numeric:tabular-nums}
.sim-free-sub{font-size:.9rem;color:rgba(255,255,255,.78)}
.sim-free-sub b{color:var(--teal-l)}

.sim-anomaly{display:flex;gap:14px;align-items:flex-start;margin-top:16px;background:#fdf6ec;border:1px solid #efd9b0;border-left:4px solid var(--gold);border-radius:6px;padding:16px 18px}
.sim-anomaly-ic{font-size:1.3rem;line-height:1.2;flex:none}
.sim-anomaly-body b{display:block;color:#7a5c12;font-size:1rem;margin-bottom:3px}
.sim-anomaly-body p{margin:0;color:#5a4a2a;font-size:.95rem;line-height:1.5}

.sim-lock{margin-top:18px;border:1px solid var(--line);border-radius:6px;padding:22px 22px 24px;background:var(--white);box-shadow:var(--shadow-soft)}
.sim-lock-head h3{margin:0 0 4px;font-size:1.18rem;color:var(--navy)}
.sim-lock-head p{margin:0 0 14px;color:var(--muted);font-size:.95rem}
.sim-lock-list{list-style:none;margin:0 0 18px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:9px 18px}
.sim-lock-list li{position:relative;padding-left:26px;font-size:.94rem;color:var(--ink);font-weight:500}
.sim-lock-list li::before{content:"🔒";position:absolute;left:0;top:0;font-size:.9rem;opacity:.85}
.sim-lock-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:10px}
.sim-lock-form input{width:100%;border:1px solid var(--line);border-radius:6px;padding:.8rem .9rem;font:inherit;background:#f8fafb;color:var(--ink)}
.sim-lock-form input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(62,139,146,.14)}
.sim-lock-form .sim-unlock-btn{width:100%;justify-content:center;margin-top:4px}
.sim-lock-reassure{margin:.7rem 0 0;text-align:center;color:var(--muted);font-size:.82rem}
.sim-lock-msg{margin:.6rem 0 0;text-align:center;font-size:.9rem;font-weight:600;min-height:1.1rem}
.sim-lock-msg.err{color:#c0392b}.sim-lock-msg.ok{color:var(--teal-d)}
.sim-unlock-done{text-align:center;padding:12px 6px}
.sim-unlock-done b{display:block;color:var(--teal-d);font-size:1.15rem;margin-bottom:6px}
.sim-unlock-done p{margin:0;color:var(--ink);font-size:.95rem;line-height:1.5}
@media(max-width:560px){.sim-lock-list{grid-template-columns:1fr}.sim-lock-form .row2{grid-template-columns:1fr}.sim-free-num{font-size:2.4rem}}

/* ===== Simulateur « Rente ou capital » ===== */
.sim-select{width:100%;border:1px solid var(--line);border-radius:6px;padding:.72rem .9rem;font:inherit;background:#fff;color:var(--ink);cursor:pointer}
.sim-select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(62,139,146,.14)}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:2px}
.seg-b{border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:6px;padding:.62rem .5rem;font:inherit;font-weight:600;font-size:.9rem;cursor:pointer;transition:.15s}
.seg-b:hover{border-color:var(--teal)}
.seg-b.is-on{background:var(--teal);border-color:var(--teal);color:#fff;box-shadow:0 8px 20px -12px rgba(62,139,146,.6)}
.cmp{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:10px;background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:6px;padding:24px 18px;color:#fff}
.cmp-col{text-align:center}
.cmp-tag{display:inline-block;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;padding:.2rem .7rem;border-radius:6px;margin-bottom:.5rem}
.cmp-rente .cmp-tag{background:rgba(98,169,175,.16);color:var(--teal-l);border:1px solid rgba(98,169,175,.32)}
.cmp-cap .cmp-tag{background:rgba(194,168,120,.18);color:#d4b483;border:1px solid rgba(194,168,120,.36)}
.cmp-num{font-family:'Montserrat',system-ui,sans-serif;font-weight:600;font-size:1.72rem;line-height:1.1;font-variant-numeric:tabular-nums}
.cmp-rente .cmp-num{color:var(--teal-l)}.cmp-cap .cmp-num{color:#d4b483}
.cmp-sub{font-size:.8rem;color:rgba(255,255,255,.7);margin-top:.25rem}
.cmp-vs{font-weight:800;font-size:.9rem;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.08em}
.cmp-hint{margin:14px 2px 0;color:var(--ink);font-size:.94rem;line-height:1.5;background:#eef7f5;border:1px solid #d3e9e4;border-radius:6px;padding:12px 15px}
@media(max-width:560px){.cmp{grid-template-columns:1fr;gap:14px}.cmp-vs{padding:2px 0}.cmp-num{font-size:1.9rem}}

/* ===== Simulateur : structure (migré depuis inline) ===== */
.sim-card{max-width:960px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:6px;overflow:hidden;box-shadow:0 18px 50px rgba(15,30,45,.10);border:1px solid #e6ece9}
.sim-inputs{padding:30px 28px;background:#fff}
.sim-field{display:block;margin-bottom:20px}
.sim-field>span{display:block;font-weight:700;color:var(--navy);margin-bottom:8px;font-size:.96rem}
.sim-field input[type=number]{width:100%;padding:11px 13px;border:1.5px solid #d7e0dc;border-radius:6px;font-size:1.05rem;font-weight:700;color:var(--navy)}
.sim-field input[type=range]{width:100%;margin-top:10px;accent-color:var(--teal)}
.sim-field small{display:block;color:#6b7a80;font-size:.82rem;margin-top:6px}
.sim-deliver{position:relative;padding:30px 28px;background:var(--paper);border-left:1px solid var(--line);display:flex;flex-direction:column;justify-content:center}
.sim-result{background:#fff;border-radius:6px;padding:20px 22px;box-shadow:0 6px 20px rgba(15,30,45,.06)}
.sim-line{display:flex;justify-content:space-between;align-items:baseline;padding:8px 0;color:#33474f}
.sim-line b{color:var(--navy);font-size:1.05rem}
.sim-total{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0 4px;margin-top:6px;border-top:2px solid #e2ece7}
.sim-total span{font-weight:700;color:var(--navy)}
.sim-total b{color:var(--teal-d);font-size:1.5rem}
.sim-note{color:#5a6b71;font-size:.86rem;margin:16px 2px 18px}
.sim-cta{width:100%;text-align:center;font-size:1.05rem;padding:14px;box-shadow:0 10px 26px rgba(62,139,146,.32);animation:simPulse 2.4s ease-in-out infinite}
@keyframes simPulse{0%,100%{transform:translateY(0)}50%{transform:translateY(-2px)}}
@media(max-width:760px){.sim-card{grid-template-columns:1fr}}

/* ===== CTA contextuel de bas d'article ===== */
.cta-band{display:flex;align-items:center;gap:26px;max-width:1080px;margin:0 auto;background:linear-gradient(120deg,var(--teal-d),var(--teal));color:#fff;border-radius:12px;padding:40px 48px;text-decoration:none;box-shadow:0 30px 70px -24px rgba(62,139,146,.72);transition:.2s;text-align:left}
.cta-band:hover{transform:translateY(-3px);box-shadow:0 40px 84px -24px rgba(62,139,146,.85)}
.cta-band-ico{flex:none;width:66px;height:66px;display:grid;place-items:center;font-size:2rem;line-height:1;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.28);border-radius:14px}
.cta-band-in{flex:1;min-width:0;display:flex;flex-direction:column;gap:6px}
.cta-band-txt{font-weight:800;font-size:1.72rem;letter-spacing:-.015em;line-height:1.1}
.cta-band-sub{font-weight:500;font-size:1.08rem;color:rgba(255,255,255,.9)}
.cta-band-arrow{font-weight:800;font-size:1.7rem;flex:none;transition:transform .2s}
.cta-band:hover .cta-band-arrow{transform:translateX(4px)}
@media(max-width:640px){.cta-band{gap:18px;padding:26px 22px}.cta-band-ico{width:52px;height:52px;font-size:1.6rem}.cta-band-txt{font-size:1.3rem}.cta-band-sub{font-size:.96rem}.cta-band-arrow{font-size:1.4rem}}

/* ===== "Estimez votre future retraite" : bloc transparent (sous le bandeau calendrier) ===== */
.estimate-cta{text-align:center;max-width:660px;margin:0 auto;padding:6px 0}
.estimate-cta .tag{margin-bottom:6px}
.estimate-cta h2{margin:.4rem 0 0}
.estimate-cta p{margin:.85rem auto 1.6rem;max-width:52ch;color:var(--muted);font-size:1.04rem;line-height:1.6}

/* ===== Fenêtre centrée de déblocage vidéo ===== */
.vgate-ov{position:fixed;inset:0;z-index:9998;display:flex;align-items:center;justify-content:center;padding:18px;background:rgba(15,30,45,.72);-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px);overflow-y:auto}
.vgate-ov[hidden]{display:none}
.vgate-card{position:relative;width:100%;max-width:410px;background:#fff;border-radius:16px;padding:34px 30px 28px;box-shadow:0 40px 100px -28px rgba(15,30,45,.6);text-align:center;animation:vgatePop .22s ease}
@keyframes vgatePop{from{opacity:0;transform:translateY(10px) scale(.98)}to{opacity:1;transform:none}}
.vgate-close{position:absolute;top:12px;right:14px;width:34px;height:34px;border:0;background:#f1f5f6;color:var(--muted);border-radius:50%;font-size:1.35rem;line-height:1;cursor:pointer;transition:.15s}
.vgate-close:hover{background:#e6edee;color:var(--navy)}
.vgate-ic{display:inline-grid;place-items:center;width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--teal-d),var(--teal));color:#fff;font-size:1.35rem;padding-left:3px;box-shadow:0 12px 30px -10px rgba(62,139,146,.6)}
.vgate-card h3{margin:.7rem 0 .25rem;font-size:1.4rem;color:var(--navy)}
.vgate-card p{margin:0 0 18px;color:var(--muted);font-size:.96rem;line-height:1.5}
.vgate-card .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:10px}
.vgate-card input{width:100%;box-sizing:border-box;border:1px solid var(--line);border-radius:9px;padding:.82rem .9rem;font:inherit;background:#f8fafb;color:var(--ink)}
.vgate-card input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(62,139,146,.14)}
.vgate-card .btn-xl{width:100%;justify-content:center;margin-top:2px}
.vgate-note{margin:.8rem 0 0;font-size:.78rem;color:var(--muted)}

/* ===== Gate résultat simulateur (blur + carte email au-dessus) ===== */
.sim-deliver.rgate-on>*:not(.rgate){filter:blur(7px);opacity:.5;pointer-events:none;user-select:none}
.rgate{position:absolute;inset:0;z-index:6;display:flex;align-items:center;justify-content:center;padding:20px;background:linear-gradient(180deg,rgba(245,247,248,.7),rgba(245,247,248,.9))}
.rgate-card{width:100%;max-width:360px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 24px;box-shadow:0 26px 64px -22px rgba(15,30,45,.42);text-align:center}
.rgate-ic{font-size:1.7rem;line-height:1}
.rgate-card h3{margin:.4rem 0 .2rem;font-size:1.26rem;color:var(--navy)}
.rgate-card p{margin:0 0 16px;color:var(--muted);font-size:.93rem;line-height:1.5}
.rgate-row{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:9px}
.rgate input{width:100%;box-sizing:border-box;border:1px solid var(--line);border-radius:9px;padding:.78rem .85rem;font:inherit;background:#f8fafb;color:var(--ink)}
.rgate input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(62,139,146,.14)}
.rgate .btn-xl{width:100%;justify-content:center;margin-top:2px}
.rgate-note{margin:.7rem 0 0;font-size:.76rem;color:var(--muted)}
@media(max-width:560px){.rgate-row{grid-template-columns:1fr}.vgate-card .row2{grid-template-columns:1fr}}

/* ===== Cartes d'accès aux simulateurs (hub) — fond image + voile bleu Kobalt ===== */
.simhub{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.simcard2{position:relative;overflow:hidden;isolation:isolate;display:flex;flex-direction:column;justify-content:flex-end;min-height:244px;border-radius:12px;padding:26px 28px 28px;text-decoration:none;color:#fff;background-size:cover;background-position:center;box-shadow:0 16px 40px -22px rgba(15,30,45,.5);transition:.25s}
.simcard2::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(15,30,45,.35),rgba(15,30,45,.68) 48%,rgba(15,30,45,.92));transition:.25s}
.simcard2:hover{transform:translateY(-4px);box-shadow:0 30px 60px -24px rgba(15,30,45,.6)}
.simcard2:hover::after{background:linear-gradient(180deg,rgba(15,30,45,.42),rgba(15,30,45,.74) 48%,rgba(15,30,45,.94))}
.simcard2-cat{font-size:.76rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:#fff;text-shadow:0 1px 8px rgba(15,30,45,.55)}
.simcard2 h3{margin:.4rem 0 0;font-size:1.62rem;line-height:1.15;color:#fff;text-shadow:0 2px 14px rgba(15,30,45,.65),0 1px 3px rgba(15,30,45,.5)}
.simcard2 p{margin:.55rem 0 1.1rem;color:rgba(255,255,255,.9);font-size:.95rem;line-height:1.55;text-shadow:0 1px 8px rgba(15,30,45,.5)}
.simcard2-go{font-weight:700;color:#fff;font-size:.98rem}
.simcard2:hover .simcard2-go{text-decoration:underline}
@media(max-width:680px){.simhub{grid-template-columns:1fr;gap:16px}}

/* ===== Lead magnet : guide PDF contre email ===== */
.leadmagnet{max-width:960px;margin:0 auto;display:grid;grid-template-columns:1.15fr 1fr;gap:26px;align-items:center;background:linear-gradient(135deg,#0f1e2d,#1d364d);color:#fff;border-radius:6px;padding:30px 32px;box-shadow:0 22px 60px -30px rgba(15,30,45,.6)}
.lm-badge{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-l);background:rgba(98,169,175,.14);border:1px solid rgba(98,169,175,.3);padding:.25rem .7rem;border-radius:6px;margin-bottom:12px}
.leadmagnet h3{font-family:'Montserrat',system-ui,sans-serif;font-weight:600;font-size:1.5rem;line-height:1.15;color:#fff;margin:0 0 10px}
.lm-list{list-style:none;margin:0;padding:0}
.lm-list li{position:relative;padding:5px 0 5px 24px;font-size:.95rem;color:#cdd9dd}
.lm-list li::before{content:"✓";position:absolute;left:0;color:var(--teal-l);font-weight:800}
.lm-form input{width:100%;border:1px solid rgba(255,255,255,.18);border-radius:6px;padding:.85rem 1rem;font:inherit;background:rgba(255,255,255,.06);color:#fff;margin-bottom:10px}
.lm-form input::placeholder{color:rgba(255,255,255,.55)}
.lm-form input:focus{outline:none;border-color:var(--teal-l);box-shadow:0 0 0 3px rgba(98,169,175,.2)}
.lm-form .btn-xl{width:100%;justify-content:center}
.lm-reassure{margin:.6rem 0 0;text-align:center;color:rgba(255,255,255,.6);font-size:.8rem}
.lm-msg{margin:.5rem 0 0;text-align:center;font-size:.88rem;font-weight:600;min-height:1rem}
.lm-msg.err{color:#ffb4a2}
.lm-done{text-align:center}
.lm-done b{color:var(--teal-l);font-size:1.1rem;display:block;margin-bottom:2px}
.lm-done .btn{margin-top:12px;width:100%;justify-content:center}
@media(max-width:720px){.leadmagnet{grid-template-columns:1fr;gap:18px;padding:24px 22px}.leadmagnet h3{font-size:1.28rem}}

/* ===== Homepage : carte-outil Rente ou capital ===== */
.tool-feature{display:grid;grid-template-columns:1.15fr 1fr;gap:34px;align-items:center;max-width:1040px;margin:0 auto}
.tf-text h2{margin:.5rem 0 0}
.tf-text p{color:var(--muted);margin:.7rem 0 1.3rem;font-size:1.02rem;line-height:1.55}
.tf-vs{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:14px;background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:6px;padding:30px 24px;color:#fff;box-shadow:0 22px 60px -30px rgba(15,30,45,.6)}
.tf-col{text-align:center}
.tf-col span{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:.22rem .7rem;border-radius:6px;margin-bottom:.6rem}
.tf-rente span{background:rgba(98,169,175,.16);color:var(--teal-l);border:1px solid rgba(98,169,175,.3)}
.tf-cap span{background:rgba(194,168,120,.18);color:#d4b483;border:1px solid rgba(194,168,120,.36)}
.tf-col b{display:block;font-family:'Montserrat',system-ui,sans-serif;font-weight:600;font-size:1.2rem;line-height:1.15}
.tf-rente b{color:var(--teal-l)}.tf-cap b{color:#d4b483}
.tf-or{font-weight:800;color:rgba(255,255,255,.5);text-transform:uppercase;font-size:.82rem}
@media(max-width:760px){.tool-feature{grid-template-columns:1fr;gap:22px}}

/* ===== Bandeau arbitrage rente / capital (pleine largeur, image de fond) ===== */
.arbitrage-band{position:relative;isolation:isolate;padding:76px 24px;color:#fff;
  background:linear-gradient(100deg,rgba(15,30,45,.93) 0%,rgba(15,30,45,.82) 45%,rgba(29,54,77,.72) 100%),var(--arb-bg) center/cover no-repeat}
.arb-in{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1.08fr .92fr;gap:52px;align-items:center}
.arb-text h2{margin:.5rem 0 0;color:#fff}
.arb-text p{color:rgba(255,255,255,.82);margin:.85rem 0 1.5rem;font-size:1.04rem;line-height:1.6;max-width:46ch}
.arb-tag{background:rgba(98,169,175,.16);color:var(--teal-l);border:1px solid rgba(98,169,175,.34)}
.arb-vs{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:16px}
.arb-col{min-width:0;text-align:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:8px;padding:28px 16px;-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}
.arb-col span{display:inline-block;font-size:.67rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:.24rem .7rem;border-radius:6px;margin-bottom:.75rem}
.arb-rente span,.arb-cap span{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.36)}
.arb-col b{display:block;font-weight:600;font-size:1.15rem;line-height:1.2}
.arb-rente b,.arb-cap b{color:#fff}
.arb-or{font-weight:800;color:#fff;text-transform:uppercase;font-size:.8rem}
@media(max-width:820px){.arb-in{grid-template-columns:1fr;gap:30px}.arbitrage-band{padding:54px 22px}.arb-text p{max-width:none}}
@media(max-width:460px){.arb-vs{grid-template-columns:1fr;gap:12px}}

/* ===== Calendrier des démarches (gated) ===== */
.cal{max-width:820px;margin:0 auto;position:relative}
.cal::before{content:"";position:absolute;left:16px;top:8px;bottom:8px;width:2px;background:linear-gradient(var(--teal),rgba(62,139,146,.15))}
.cal-step{display:grid;grid-template-columns:150px 1fr;gap:20px;align-items:start;margin-bottom:20px;position:relative}
.cal-when{display:flex;align-items:center;gap:12px;padding-top:14px}
.cal-when b{font-family:'Montserrat',system-ui,sans-serif;font-weight:600;font-size:1.05rem;color:var(--teal-d)}
.cal-dot{width:14px;height:14px;border-radius:50%;background:var(--teal);border:3px solid var(--paper);box-shadow:0 0 0 2px var(--teal);flex:none;margin-left:9px}
.cal-card{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:20px 22px;box-shadow:var(--shadow-soft)}
.cal-card h3{font-size:1.18rem;margin:0 0 6px;color:var(--navy)}
.cal-card p{color:var(--muted);font-size:.98rem;margin:0 0 12px;line-height:1.55}
.cal-gain{display:inline-block;font-size:.9rem;font-weight:600;color:#7a5c12;background:#fbf3e2;border:1px solid #ecdcb4;border-radius:6px;padding:8px 12px}
.cal-gain b{color:#5a4a2a}
.cal-locked{position:relative}
.cal-locked:not(.is-open) .cal-step{filter:blur(6px);opacity:.55;pointer-events:none;user-select:none}
.cal-locked.is-open{}
.cal-gate{position:absolute;inset:-6px 0 0;display:flex;align-items:flex-start;justify-content:center;padding-top:40px;background:linear-gradient(180deg,rgba(246,241,231,0) 0%,var(--paper) 32%)}
.cal-gate-box{width:100%;max-width:460px;background:var(--white);border:1px solid var(--line);border-radius:6px;padding:28px 26px;box-shadow:0 30px 70px -30px rgba(15,30,45,.5);text-align:left}
.cal-gate-box h3{font-size:1.32rem;margin:12px 0 6px;color:var(--navy)}
.cal-gate-box p{color:var(--muted);font-size:.98rem;margin:0 0 16px}
@media(max-width:640px){.cal-step{grid-template-columns:1fr;gap:8px}.cal::before{display:none}.cal-dot{display:none}.cal-when{padding-top:0}}

/* ===== Section vidéo (gated) ===== */
.vid-feature{display:grid;grid-template-columns:1fr 420px;gap:38px;align-items:center;max-width:1040px;margin:0 auto}
.vid-text h2{margin:.5rem 0 0}
.vid-text p{color:var(--muted);font-size:1.05rem;line-height:1.6;margin:.8rem 0 1.1rem}
.vid-list{list-style:none;margin:0;padding:0}
.vid-list li{position:relative;padding:5px 0 5px 26px;color:var(--ink);font-weight:500}
.vid-list li::before{content:"▶";position:absolute;left:0;top:6px;color:var(--teal);font-size:.7rem}
.vid-player{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:14px;box-shadow:var(--shadow)}
.vid-thumb{position:relative;width:100%;border:0;padding:0;cursor:pointer;font:inherit;border-radius:6px;overflow:hidden;background-size:cover;background-position:center;aspect-ratio:9/14;display:flex;align-items:center;justify-content:center;transition:.18s}
.vid-thumb:hover{transform:translateY(-2px)}
.vid-thumb::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,30,45,.15),rgba(15,30,45,.55))}
.vid-play-ic{position:relative;z-index:2;width:72px;height:72px;border-radius:50%;background:rgba(255,255,255,.95);color:var(--teal-d);border:0;font-size:1.5rem;padding-left:4px;display:grid;place-items:center;box-shadow:0 12px 34px rgba(15,30,45,.45);transition:.18s}
.vid-thumb:hover .vid-play-ic{transform:scale(1.06)}
.vid-lockbadge{position:absolute;z-index:2;top:12px;left:12px;font-size:.76rem;font-weight:700;color:#fff;background:rgba(15,30,45,.7);border:1px solid rgba(255,255,255,.25);padding:.3rem .6rem;border-radius:6px}
.vid-gate{margin-top:12px}
.vid-gate .row2{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:8px}
.vid-gate input{width:100%;border:1px solid var(--line);border-radius:6px;padding:.72rem .85rem;font:inherit;background:#f8fafb;color:var(--ink)}
.vid-gate input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(62,139,146,.14)}
.vid-gate .btn-xl{width:100%;justify-content:center;margin-top:2px}
@media(max-width:820px){.vid-feature{grid-template-columns:1fr;gap:22px}.vid-player{max-width:420px;margin:0 auto}}

/* ===== Hero : fond uni bleu Kobalt (pas d'image) ===== */
.hero-bg{display:none}
@keyframes heroZoom{from{transform:scale(1.02)}to{transform:scale(1.11)}}
@media(prefers-reduced-motion:reduce){.hero-bg{animation:none}}

/* ===== Section vidéo : grande, sombre, titre accrocheur ===== */
.videohero{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy) 100%);color:#fff;padding:80px 0}
.videohero-bg{position:absolute;inset:0;z-index:0;background:url('/img/desk.jpg') center/cover no-repeat;opacity:.13;animation:heroZoom 30s ease-in-out infinite alternate;will-change:transform}
.videohero-in{position:relative;z-index:2;display:grid;grid-template-columns:1fr 470px;gap:50px;align-items:center}
.videohero-text .vh-eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-l);background:rgba(98,169,175,.12);border:1px solid rgba(98,169,175,.32);padding:.42rem .85rem;border-radius:6px;margin-bottom:1.2rem}
.videohero-text h2{font-size:3rem;color:#fff;line-height:1.04;letter-spacing:-.01em}
.videohero-text .vh-accent{color:var(--teal-l)}
.videohero-text>p{color:rgba(255,255,255,.82);font-size:1.14rem;line-height:1.55;margin:1.1rem 0 1.3rem;max-width:46ch}
.videohero .vid-list li{color:rgba(255,255,255,.92)}
.videohero .vid-list li::before{color:var(--teal-l)}
.vh-hint{font-size:.9rem;color:rgba(255,255,255,.6);margin-top:1.1rem}
.videohero .vid-player{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:8px;padding:14px;box-shadow:0 40px 90px -40px rgba(0,0,0,.6)}
.videohero .vid-play-ic{width:82px;height:82px;font-size:1.7rem}
@media(max-width:820px){.videohero{padding:56px 0}.videohero-in{grid-template-columns:1fr;gap:26px}.videohero .vid-player{max-width:420px;margin:0 auto;width:100%}.videohero-text h2{font-size:2.1rem}.videohero-text>p{font-size:1.04rem}}

/* ===== Responsive safety : anti-débordement horizontal mobile ===== */
html,body{overflow-x:hidden}
.hero .wrap.hero-grid>*,.videohero-in>*,.vid-feature>*,.tool-feature>*,.sim-card>*,.sim-inputs,.sim-deliver,.cmp-col,.fisc2>*,.grid2>*,.leadmagnet>*,.cal-step>*{min-width:0}
h1,h2,h3,p,.hero h1,.videohero-text h2{overflow-wrap:break-word}
@media(max-width:560px){.hero h1{font-size:2rem}.videohero-text h2{font-size:1.9rem}.hero .trust{gap:.4rem 1.2rem;font-size:.8rem}}

/* ===== Renfort responsif petits écrans (téléphone) ===== */
@media(max-width:560px){
  .wrap,.narrow{padding-left:18px;padding-right:18px}
  h1,h2{hyphens:auto;overflow-wrap:anywhere}
  .hero h1{max-width:100%;font-size:1.9rem}
  .hero .wrap.hero-grid{gap:24px;padding:44px 18px}
  .hero p.sub{font-size:1.02rem}
  .sec-head h1,.sec-head h2{font-size:1.7rem}
  .videohero-text h2{font-size:1.8rem}
  .videohero{padding:44px 0}
  .btn,.btn-xl{white-space:normal}
  .tool-feature h2,.vid-feature h2{font-size:1.6rem}
}

/* ===== Bouton play vidéo : plus visible (agrandi + halo qui pulse) ===== */
.videohero .vid-play-ic{width:104px;height:104px;font-size:2.1rem;color:var(--teal-d);animation:vidPulse 2.1s ease-in-out infinite}
@keyframes vidPulse{0%,100%{box-shadow:0 14px 38px rgba(0,0,0,.5),0 0 0 0 rgba(98,169,175,.55)}50%{box-shadow:0 14px 38px rgba(0,0,0,.5),0 0 0 22px rgba(98,169,175,0)}}
.videohero .vid-thumb:hover .vid-play-ic{transform:scale(1.08)}
@media(prefers-reduced-motion:reduce){.videohero .vid-play-ic{animation:none}}

/* ===== Simulateurs : résultats propres, SANS bande colorée (fond clair) ===== */
.sim-free{background:var(--white);border:1px solid var(--line);color:var(--ink);box-shadow:var(--shadow-soft)}
.sim-free-label{color:var(--muted)}
.sim-free-label em{background:rgba(62,139,146,.12);color:var(--teal-d);border-color:rgba(62,139,146,.3)}
.sim-free-num{color:var(--teal-d)}
.sim-free-sub{color:var(--muted)}
.sim-free-sub b{color:var(--teal-d)}

.cmp{background:var(--white);border:1px solid var(--line);color:var(--ink);box-shadow:var(--shadow-soft)}
.cmp-vs{color:var(--muted)}
.cmp-sub{color:var(--muted)}
.cmp-rente .cmp-tag{background:rgba(62,139,146,.12);color:var(--teal-d);border:1px solid rgba(62,139,146,.3)}
.cmp-cap .cmp-tag{background:rgba(194,168,120,.2);color:#8a6f3f;border:1px solid rgba(194,168,120,.4)}
.cmp-rente .cmp-num{color:var(--teal-d)}
.cmp-cap .cmp-num{color:#8a6f3f}

/* ===== Simulateurs : lignes de détail (sous le résultat) ===== */
.sim-rows{margin-top:14px;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--white)}
.sim-row{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:13px 16px;border-top:1px solid var(--line);font-size:.94rem;color:var(--ink)}
.sim-row:first-child{border-top:0}
.sim-row>span{color:var(--muted)}
.sim-row>span em{font-style:normal;color:var(--teal-d);font-weight:600}
.sim-row>b{font-variant-numeric:tabular-nums;color:var(--navy);white-space:nowrap}

/* ===== Liens communes (maillage local) — liste annuaire propre, sans pastilles ===== */
.townlinks{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:0 30px;margin-top:14px}
.townlink{display:flex;align-items:center;gap:8px;padding:.62rem 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem;transition:.14s}
.townlink::before{content:"";flex:none;width:6px;height:6px;border-radius:50%;background:var(--teal-l);transition:.14s}
.townlink:hover{color:var(--teal-d);padding-left:5px}
.townlink:hover::before{background:var(--teal-d)}
.townlink b{font-weight:700;color:var(--teal-d)}
.townlinks-all{margin-top:18px}
.townlinks-all a{font-weight:700;color:var(--teal-d);text-decoration:none}
.townlinks-all a:hover{text-decoration:underline}

/* ===== Simulateurs : panneau d'accompagnement (pas de resultat, pas de formulaire) ===== */
.sim-cta{padding:2px}
.sim-cta h3{margin:0 0 8px;font-size:1.32rem;color:var(--navy);line-height:1.25}
.sim-cta>p{margin:0 0 18px;color:var(--muted);font-size:.99rem;line-height:1.55}
.sim-cta-list{list-style:none;margin:0 0 22px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:11px 22px}
.sim-cta-list li{position:relative;padding-left:22px;font-size:.95rem;color:var(--ink);line-height:1.4}
.sim-cta-list li::before{content:"";position:absolute;left:2px;top:.5em;width:8px;height:8px;border-radius:50%;background:var(--teal-l)}
.sim-cta .btn-xl{width:100%;justify-content:center}
.sim-cta-note{margin:.85rem 0 0;text-align:center;color:var(--muted);font-size:.82rem}
@media(max-width:560px){.sim-cta-list{grid-template-columns:1fr}}
