:root{
    --navy:#0A2342;
    --blue:#1A4A7A;
    --azure:#2F6FA8;
    --teal:#C6A15B;
    --gold:#C6A15B;
    --gold-deep:#B8894B;
    --gold-soft:#F2E9D3;
    --mist:#ECF1F7;
    --mist-2:#F5F8FB;
    --paper:#FCFBF7;
    --line:#E6E2D6;
    --soft:#59677A;
    --white:#FFFFFF;
    --shadow:0 1px 2px rgba(10,35,66,.05), 0 14px 34px rgba(10,35,66,.08);
    --shadow-lg:0 2px 4px rgba(10,35,66,.06), 0 30px 66px rgba(10,35,66,.14);
    --r:18px;
    --maxw:1180px;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  section[id],div[id]{scroll-margin-top:90px}
  body{
    font-family:'Mulish',sans-serif;
    color:var(--navy);
    background:var(--paper);
    line-height:1.65;
    font-weight:400;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3,h4{font-family:'Fraunces',serif;font-weight:600;line-height:1.12;letter-spacing:-.01em;color:var(--navy)}
  a{text-decoration:none;color:inherit}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
  .eyebrow{
    font-family:'Mulish',sans-serif;font-weight:700;
    text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;
    color:var(--gold-deep);display:inline-flex;align-items:center;gap:10px;
  }
  .eyebrow::before{content:"";width:26px;height:1.5px;background:var(--gold)}

  /* ---------- HEADER ---------- */
  header{
    position:fixed;top:0;left:0;right:0;z-index:100;
    transition:all .4s ease;padding:20px 0;
  }
  header.scrolled{
    background:rgba(251,253,254,.82);backdrop-filter:blur(14px);
    padding:13px 0;border-bottom:1px solid var(--line);
  }
  .nav{display:flex;align-items:center;justify-content:space-between}
  .logo{display:flex;align-items:center;gap:11px;font-family:'Fraunces',serif;font-weight:600;font-size:1.32rem;color:var(--navy)}
  .logo .mark{
    width:34px;height:34px;border-radius:9px;
    background:linear-gradient(135deg,var(--blue),var(--azure));
    display:grid;place-items:center;box-shadow:0 6px 16px rgba(26,74,122,.32);
  }
  .logo .mark svg{width:19px;height:19px}
  .nav-links{display:flex;align-items:center;gap:34px}
  .nav-links a{font-size:.95rem;font-weight:500;color:var(--soft);transition:color .2s}
  .nav-links a:hover{color:var(--blue)}
  .nav-links a.active{color:var(--blue);font-weight:700}
  .btn{
    display:inline-flex;align-items:center;gap:9px;cursor:pointer;border:none;
    font-family:'Mulish',sans-serif;font-weight:700;font-size:.95rem;
    padding:13px 24px;border-radius:11px;transition:all .25s ease;white-space:nowrap;
  }
  .btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(26,74,122,.26)}
  .btn-primary:hover{background:var(--navy);transform:translateY(-2px);box-shadow:0 12px 26px rgba(26,74,122,.34)}
  .btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
  .btn-white{background:#fff;color:var(--blue);box-shadow:0 8px 20px rgba(0,0,0,.15)}
  .btn-white:hover{background:var(--gold-soft);transform:translateY(-1px)}

  /* bandeau CTA de bas de page */
  .footer-cta{background:linear-gradient(135deg,var(--navy),var(--blue));padding:72px 0;text-align:center}
  .footer-cta-inner{display:flex;flex-direction:column;align-items:center;gap:14px}
  .footer-cta h2{color:#fff;font-size:clamp(1.9rem,3.2vw,2.5rem);font-family:'Fraunces',serif;font-weight:600}
  .footer-cta p{color:rgba(255,255,255,.82);font-size:1.05rem;margin-bottom:6px}
  .footer-cta .btn{margin-top:6px}
  .btn-ghost:hover{border-color:var(--azure);color:var(--blue)}
  .btn svg{width:16px;height:16px}

  /* ---------- HERO ---------- */
  .hero{position:relative;padding:178px 0 96px;overflow:hidden}
  .hero-bg{position:absolute;inset:0;z-index:-1;background:
    radial-gradient(60% 70% at 78% 8%, rgba(26,74,122,.16), transparent 60%),
    radial-gradient(50% 60% at 12% 30%, rgba(198,161,91,.10), transparent 60%),
    linear-gradient(180deg,var(--mist-2),var(--paper) 70%);}
  .breath{position:absolute;top:0;left:0;right:0;width:100%;height:240px;opacity:.5;z-index:-1}
  .breath path{fill:none;stroke:var(--azure);stroke-width:1.4;opacity:.35;
    stroke-dasharray:1400;stroke-dashoffset:1400;animation:draw 3.4s ease forwards .4s}
  @keyframes draw{to{stroke-dashoffset:0}}
  .hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}
  .hero h1{font-size:clamp(2.5rem,5vw,4rem);margin:22px 0 24px}
  .hero h1 em{font-style:italic;color:var(--blue)}
  .hero p.lead{font-size:1.18rem;color:var(--soft);max-width:540px;font-weight:400}
  .hero-cta{display:flex;gap:14px;margin-top:36px;flex-wrap:wrap}
  .hero-note{margin-top:24px;display:flex;align-items:center;gap:10px;font-size:.9rem;color:var(--soft)}
  .hero-note svg{width:18px;height:18px;color:var(--teal);flex-shrink:0}
  .hero-chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
  .hero-chip{display:inline-flex;align-items:center;gap:7px;background:var(--white);border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:.83rem;font-weight:600;color:var(--navy);box-shadow:0 1px 3px rgba(10,35,66,.06)}
  .hero-chip svg{width:14px;height:14px;color:var(--gold-deep);flex-shrink:0}

  .hero-card{
    background:var(--white);border:1px solid var(--line);border-radius:24px;
    padding:34px;box-shadow:var(--shadow-lg);position:relative;
  }
  .hero-card .tag{position:absolute;top:-15px;left:34px;background:var(--teal);color:#fff;
    font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
    padding:7px 14px;border-radius:8px;box-shadow:0 8px 18px rgba(198,161,91,.3)}
  .hero-card h3{font-size:1.3rem;margin:8px 0 20px}
  .module-row{display:flex;align-items:flex-start;gap:14px;padding:13px 0;border-top:1px solid var(--line)}
  .module-row:first-of-type{border-top:none}
  .module-num{width:30px;height:30px;flex-shrink:0;border-radius:8px;background:var(--mist);
    color:var(--blue);font-weight:700;font-size:.85rem;display:grid;place-items:center}
  .module-row p{font-size:.96rem;color:var(--navy);font-weight:500;line-height:1.4}
  .module-row span{display:block;font-size:.82rem;color:var(--soft);font-weight:400}
  .hp-ico{width:30px;height:30px;flex-shrink:0;border-radius:8px;background:rgba(198,161,91,.14);color:var(--teal);font-weight:700;font-size:.95rem;display:grid;place-items:center;line-height:1}
  .hero-card-link{display:inline-block;margin-top:16px;font-size:.88rem;font-weight:700;color:var(--blue);transition:color .2s}
  .hero-card-link:hover{color:var(--azure)}

  /* emplacement photo réutilisable — dépose un fichier au chemin indiqué et il remplace l'illustration automatiquement */
  .photo-slot{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--line);aspect-ratio:4/3;background:linear-gradient(150deg,var(--mist),var(--mist-2))}
  .photo-slot img{width:100%;height:100%;object-fit:cover;display:block}
  .photo-fallback{position:absolute;inset:0;display:flex;align-items:center;justify-content:center}
  .photo-fallback svg{width:56%;max-width:210px;color:var(--gold-deep);opacity:.55}
  .photo-hint{position:absolute;left:14px;bottom:14px;display:flex;align-items:center;gap:7px;background:rgba(10,35,66,.86);color:#fff;font-size:.7rem;font-weight:600;padding:6px 12px;border-radius:8px;letter-spacing:.01em;font-family:'Mulish',sans-serif}
  .photo-hint svg{width:13px;height:13px;flex-shrink:0;opacity:.85}
  .hero-visual{display:flex;flex-direction:column;gap:20px}
  .format-visual{display:flex;flex-direction:column;gap:20px}

  /* mockup plateforme (remplace une capture d'écran réelle) */
  .platform-mockup{background:var(--navy);border-radius:18px;padding:12px 12px 0;box-shadow:var(--shadow-lg)}
  .mockup-chrome{display:flex;align-items:center;gap:6px;padding:2px 6px 12px}
  .mockup-dot{width:8px;height:8px;border-radius:50%;opacity:.7}
  .mockup-url{margin-left:8px;background:rgba(255,255,255,.08);color:rgba(255,255,255,.55);font-size:.68rem;padding:5px 12px;border-radius:6px;font-family:'Mulish',sans-serif;flex:1;max-width:220px;overflow:hidden;white-space:nowrap;text-overflow:ellipsis}
  .mockup-screen{background:var(--paper);border-radius:10px 10px 0 0;overflow:hidden;display:flex;min-height:290px}
  .mockup-sidebar{width:44%;background:var(--mist-2);border-right:1px solid var(--line);padding:16px 12px}
  .mockup-brand{display:flex;align-items:center;gap:7px;font-family:'Fraunces',serif;font-weight:600;font-size:.85rem;color:var(--navy);margin-bottom:16px}
  .mockup-brand .dot{width:18px;height:18px;border-radius:6px;background:linear-gradient(135deg,var(--blue),var(--azure));flex-shrink:0}
  .mockup-mod{display:flex;align-items:center;gap:8px;padding:6px 8px;border-radius:8px;font-size:.66rem;color:var(--soft);margin-bottom:3px;line-height:1.3}
  .mockup-mod.active{background:var(--white);color:var(--navy);font-weight:700;box-shadow:0 1px 4px rgba(10,35,66,.1)}
  .mockup-check{width:15px;height:15px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;font-size:.6rem;font-weight:700}
  .mockup-check.done{background:var(--gold);color:#fff}
  .mockup-check.done svg{width:9px;height:9px}
  .mockup-check.active{background:var(--blue);color:#fff}
  .mockup-check.todo{background:var(--line);color:var(--soft)}
  .mockup-main{flex:1;padding:16px 16px 0}
  .mockup-eyebrow{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gold-deep)}
  .mockup-main h4{font-family:'Fraunces',serif;font-size:.86rem;font-weight:600;color:var(--navy);margin:4px 0 12px}
  .mockup-trace{background:#fff;border:1px solid var(--line);border-radius:10px;padding:8px 4px 6px;margin-bottom:12px}
  .mockup-trace svg{display:block;width:100%;height:auto}
  .mockup-progress-track{height:5px;background:var(--line);border-radius:99px;overflow:hidden;margin-bottom:8px}
  .mockup-progress-fill{height:100%;width:68%;background:linear-gradient(90deg,var(--blue),var(--gold))}
  .mockup-progress-row{display:flex;align-items:center;justify-content:space-between;font-size:.68rem;color:var(--soft);padding-bottom:14px}
  .mockup-btn{background:var(--blue);color:#fff;font-weight:700;padding:6px 13px;border-radius:7px;font-size:.66rem}
  @media(max-width:560px){.mockup-sidebar{display:none}.mockup-main{padding:14px}}

  /* ---------- TRUST BAR ---------- */
  .trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}
  .trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
  .trust-item{padding:34px 24px;text-align:center;border-left:1px solid var(--line)}
  .trust-item:first-child{border-left:none}
  .trust-item .num{font-family:'Fraunces',serif;font-size:2.1rem;font-weight:600;color:var(--blue);line-height:1}
  .trust-item .lbl{font-size:.88rem;color:var(--soft);margin-top:8px;font-weight:500}

  /* ---------- SECTIONS ---------- */
  section.block{padding:104px 0}
  .sec-head{max-width:640px;margin-bottom:54px}
  .sec-head h2{font-size:clamp(2rem,3.6vw,2.85rem);margin:18px 0 16px}
  .sec-head p{font-size:1.1rem;color:var(--soft)}
  .center{margin-left:auto;margin-right:auto;text-align:center}

  /* audience */
  .cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
  .card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);
    padding:30px 26px;transition:all .3s ease}
  .card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#cadcec}
  .card .ico{width:52px;height:52px;border-radius:13px;background:var(--mist);
    display:grid;place-items:center;margin-bottom:18px;color:var(--blue)}
  .card .ico svg{width:26px;height:26px}
  .card h3{font-size:1.18rem;margin-bottom:8px}
  .card p{font-size:.94rem;color:var(--soft)}
  .card-tag{display:inline-block;font-size:.64rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--blue);background:var(--mist);padding:4px 10px;border-radius:999px;margin-bottom:10px}
  .card.primary{border-color:var(--azure);box-shadow:0 10px 28px rgba(26,74,122,.14)}
  .card.primary .card-tag{background:var(--blue);color:#fff}

  /* pour qui — detail par specialite */
  .specialty-row{margin-top:56px;border-top:1px solid var(--line);padding-top:44px}
  .specialty-row h3{text-align:center;font-size:1.3rem;margin-bottom:28px}
  .specialty-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
  .specialty-item{text-align:center;padding:20px 14px}
  .specialty-item .sp-ico{width:44px;height:44px;margin:0 auto 12px;border-radius:12px;background:var(--mist);color:var(--blue);display:grid;place-items:center}
  .specialty-item .sp-ico svg{width:20px;height:20px}
  .specialty-item h4{font-size:.92rem;font-weight:700;margin-bottom:6px;color:var(--navy)}
  .specialty-item p{font-size:.82rem;color:var(--soft);line-height:1.4}
  @media(max-width:900px){.specialty-grid{grid-template-columns:repeat(2,1fr)}}

  /* programme */
  .prog{background:linear-gradient(180deg,var(--mist-2),var(--paper))}
  .timeline{max-width:760px;margin:0 auto}
  .tl-item{position:relative;display:flex;gap:24px;padding-bottom:30px}
  .tl-item:last-child{padding-bottom:0}
  .tl-item:not(:last-child)::before{content:"";position:absolute;left:23px;top:52px;bottom:0;width:2px;background:var(--line)}
  .tl-marker{flex-shrink:0}
  .tl-marker span{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--blue),var(--azure));color:#fff;font-family:'Fraunces',serif;font-weight:600;font-size:1.15rem;display:grid;place-items:center;box-shadow:0 8px 18px rgba(26,74,122,.3)}
  .tl-content{flex:1;background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px 24px;transition:box-shadow .25s,transform .25s}
  .tl-content:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
  .tl-content h3{font-size:1.16rem;margin-bottom:6px}
  .tl-content p{font-size:.95rem;color:var(--soft);line-height:1.6}
  @media(max-width:560px){.tl-item{gap:16px}.tl-content{padding:16px 18px}.tl-item:not(:last-child)::before{left:20px;top:46px}.tl-marker span{width:42px;height:42px;font-size:1.05rem}}

  /* benefits split */
  .split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
  .bene-list{list-style:none;margin-top:30px}
  .bene-list li{display:flex;gap:16px;padding:18px 0;border-top:1px solid var(--line)}
  .bene-list li:first-child{border-top:none}
  .bene-check{width:30px;height:30px;flex-shrink:0;border-radius:50%;background:rgba(198,161,91,.12);
    display:grid;place-items:center;color:var(--teal)}
  .bene-check svg{width:16px;height:16px}
  .bene-list h4{font-size:1.05rem;margin-bottom:3px;font-family:'Mulish';font-weight:700}
  .bene-list p{font-size:.92rem;color:var(--soft)}
  .visual-panel{background:linear-gradient(150deg,var(--navy),var(--blue));border-radius:26px;
    padding:48px 42px;color:#fff;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
  .visual-panel::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;
    background:radial-gradient(circle,rgba(26,74,122,.5),transparent 65%);top:-90px;right:-90px}
  .visual-panel .eyebrow{color:#DFC48A}
  .visual-panel .eyebrow::before{background:#DFC48A}
  .visual-panel h3{color:#fff;font-size:1.7rem;margin:16px 0 14px;position:relative}
  .visual-panel p{color:rgba(255,255,255,.82);font-size:1rem;position:relative}
  .vstat{display:flex;gap:22px;margin-top:30px;position:relative}
  .vstat>div{flex:1;min-width:0}
  .vstat div .n{font-family:'Fraunces';font-size:1.7rem;font-weight:600;color:#fff;white-space:nowrap}
  .vstat div .l{font-size:.8rem;color:rgba(255,255,255,.7);line-height:1.35}
  .vstat-source{font-size:.72rem;color:rgba(255,255,255,.55);margin-top:18px;position:relative}
  .vstat-source a{color:rgba(255,255,255,.75)}

  /* pricing */
  .pricing{background:var(--white);border-top:1px solid var(--line)}
  .price-card{max-width:560px;margin:0 auto;background:var(--white);border:1px solid var(--line);
    border-radius:24px;box-shadow:var(--shadow-lg);overflow:hidden}
  .price-top{background:linear-gradient(150deg,var(--mist),var(--mist-2));padding:38px 44px;border-bottom:1px solid var(--line)}
  .price-top .eyebrow{margin-bottom:10px}
  .price-top h3{font-size:1.5rem}
  .price-amount{display:flex;align-items:baseline;gap:8px;margin-top:16px}
  .price-amount .a{font-family:'Fraunces';font-size:3rem;font-weight:600;color:var(--navy);line-height:1}
  .price-amount .p{color:var(--soft);font-size:.95rem}
  .price-split{display:inline-flex;align-items:center;gap:7px;margin-top:14px;background:var(--white);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.82rem;font-weight:600;color:var(--navy)}
  .price-split svg{width:15px;height:15px;color:var(--gold-deep);flex-shrink:0}
  .price-body{padding:36px 44px}
  .price-body ul{list-style:none;margin-bottom:28px}
  .price-body li{display:flex;gap:12px;padding:10px 0;font-size:.97rem;align-items:center}
  .price-body li svg{width:18px;height:18px;color:var(--teal);flex-shrink:0}
  .price-card .btn-primary{width:100%;justify-content:center;font-size:1.05rem;padding:16px}
  .price-foot{text-align:center;font-size:.85rem;color:var(--soft);margin-top:14px}

  /* déductibilité BNC */
  .deduct{background:linear-gradient(180deg,var(--paper),var(--mist-2))}
  .deduct .sec-head h2 em{font-style:italic;color:var(--blue)}
  .deduct-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
  .deduct-table-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}
  .deduct-table-head{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:12px;padding:18px 26px;background:var(--navy);color:#fff;font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
  .deduct-table-head span:not(:first-child){text-align:right}
  .deduct-row{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:12px;padding:20px 26px;border-top:1px solid var(--line);align-items:center}
  .deduct-row .tmi{font-family:'Fraunces',serif;font-weight:600;font-size:1.15rem;color:var(--navy)}
  .deduct-row .save{text-align:right;color:var(--teal);font-weight:700;font-size:1rem}
  .deduct-row .net{text-align:right;font-family:'Fraunces',serif;font-weight:600;font-size:1.5rem;color:var(--blue)}
  .deduct-row.highlight{background:var(--mist-2);position:relative;padding-top:30px}
  .deduct-row.highlight::before{content:"Cas fréquent";position:absolute;left:26px;top:7px;font-family:'Mulish',sans-serif;font-size:.62rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--azure)}
  .deduct-foot{padding:16px 26px;font-size:.8rem;color:var(--soft);background:var(--mist-2);border-top:1px solid var(--line);line-height:1.5}
  .deduct-side h3{font-size:1.4rem;margin-bottom:18px}
  .deduct-steps{list-style:none;display:flex;flex-direction:column;gap:16px}
  .deduct-steps li{display:flex;gap:14px;align-items:flex-start}
  .ds-num{flex-shrink:0;width:30px;height:30px;border-radius:9px;background:linear-gradient(135deg,var(--blue),var(--azure));color:#fff;font-weight:700;font-size:.9rem;display:grid;place-items:center}
  .deduct-steps h4{font-family:'Mulish',sans-serif;font-weight:700;font-size:1rem;margin-bottom:2px;color:var(--navy)}
  .deduct-steps p{font-size:.92rem;color:var(--soft)}
  .deduct-note{margin-top:22px;display:flex;align-items:flex-start;gap:10px;background:rgba(198,161,91,.1);border:1px solid rgba(198,161,91,.3);border-radius:12px;padding:14px 16px;font-size:.9rem;color:var(--navy);line-height:1.55}
  .deduct-note svg{width:19px;height:19px;flex-shrink:0;margin-top:1px;color:var(--gold-deep)}

  /* deux profils de financement */
  .finance-paths{display:grid;grid-template-columns:1fr 1fr;gap:20px;max-width:900px;margin:0 auto 44px}
  .finance-path{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px}
  .finance-path.accent{border-color:var(--azure);box-shadow:0 10px 28px rgba(26,74,122,.1)}
  .fp-tag{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);background:var(--mist);padding:4px 11px;border-radius:999px;margin-bottom:12px}
  .finance-path h3{font-size:1.15rem;margin-bottom:8px}
  .finance-path p{font-size:.92rem;color:var(--soft);line-height:1.55}
  .finance-path a{color:var(--blue);font-weight:700}
  @media(max-width:700px){.finance-paths{grid-template-columns:1fr}}

  /* cadre réglementaire */
  .reglem{padding:16px 0}
  .reglem-card{display:flex;gap:24px;align-items:flex-start;background:linear-gradient(150deg,var(--navy),var(--blue));color:#fff;border-radius:22px;padding:36px 40px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
  .reglem-card::after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(26,74,122,.45),transparent 65%);top:-100px;right:-80px}
  .reglem-ico{width:56px;height:56px;flex-shrink:0;position:relative;border-radius:14px;background:rgba(198,161,91,.16);color:var(--gold);display:grid;place-items:center}
  .reglem-ico svg{width:28px;height:28px}
  .reglem-body{position:relative}
  .reglem-body .eyebrow{color:#DFC48A}
  .reglem-body .eyebrow::before{background:#DFC48A}
  .reglem-body h3{color:#fff;font-size:1.5rem;margin:10px 0 12px}
  .reglem-body p{color:rgba(255,255,255,.85);font-size:1rem;line-height:1.7}
  .reglem-body a{color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:600}
  .reglem-body a:hover{color:#DFC48A}
  @media(max-width:920px){.reglem-card{flex-direction:column;gap:14px;padding:28px 22px}}

  /* rentabilité */
  .renta{background:linear-gradient(180deg,var(--mist-2),var(--paper))}
  .renta .sec-head h2 em{font-style:italic;color:var(--blue)}
  .renta-card{max-width:680px;margin:0 auto;background:var(--white);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);overflow:hidden}
  .renta-table{width:100%;border-collapse:collapse}
  .renta-table td{padding:16px 26px;border-top:1px solid var(--line);font-size:1rem;color:var(--navy);vertical-align:middle}
  .renta-table tr:first-child td{border-top:none}
  .renta-table td span{display:block;font-size:.8rem;color:var(--soft);font-weight:400;margin-top:3px;line-height:1.4}
  .renta-table .rt-val{text-align:right;font-weight:700;white-space:nowrap}
  .renta-table .rt-sub{background:var(--mist-2)}
  .renta-table .rt-sub td{font-weight:700}
  .renta-table .rt-result td{background:var(--navy);color:#fff;font-family:'Fraunces',serif;font-size:1.18rem}
  .renta-table .rt-result .rt-val{font-size:1.5rem}
  .renta-table .rt-bonus td{background:rgba(198,161,91,.1);font-weight:700}
  .renta-table .rt-bonus .rt-val,.renta-table .rt-bonus td{color:var(--teal)}
  .renta-foot{padding:18px 26px;font-size:.82rem;color:var(--soft);line-height:1.55;border-top:1px solid var(--line);background:var(--mist-2)}
  @media(max-width:920px){.renta-table td{padding:14px 16px}.renta-foot{padding:14px 16px}}

  /* démarches DPC */
  .dpc{background:var(--mist-2)}
  .steps-flow{max-width:680px;margin:0 auto}
  .sf-item{position:relative;display:flex;gap:22px;padding-bottom:24px}
  .sf-item:last-child{padding-bottom:0}
  .sf-item:not(:last-child)::before{content:"";position:absolute;left:21px;top:48px;bottom:0;width:2px;background:var(--line)}
  .sf-num{flex-shrink:0;width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--azure));color:#fff;font-family:'Fraunces',serif;font-weight:600;font-size:1.2rem;display:grid;place-items:center;position:relative;z-index:1;box-shadow:0 6px 16px rgba(26,74,122,.28)}
  .sf-body{flex:1;padding-top:7px}
  .sf-body h4{font-family:'Mulish',sans-serif;font-size:1.05rem;font-weight:700;color:var(--navy);margin-bottom:3px}
  .sf-body p{font-size:.95rem;color:var(--soft);line-height:1.55}
  @media(max-width:560px){.sf-item{gap:16px}.sf-num{width:38px;height:38px;font-size:1.05rem}.sf-item:not(:last-child)::before{left:18px;top:42px}}

  /* pourquoi Somnéa */
  .why{background:var(--white)}
  .why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px}
  .why-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px 26px;transition:box-shadow .25s,transform .25s}
  .why-card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
  .why-card.accent{border-color:var(--azure);box-shadow:0 10px 28px rgba(26,74,122,.14)}
  .why-ico{width:50px;height:50px;border-radius:13px;background:var(--mist);display:grid;place-items:center;margin-bottom:16px;color:var(--gold-deep)}
  .why-ico svg{width:24px;height:24px}
  .why-card.accent .why-ico{background:var(--navy);color:var(--gold)}
  .why-card h3{font-size:1.1rem;margin-bottom:7px}
  .why-card p{font-size:.94rem;color:var(--soft);line-height:1.55}
  .why-card .big{font-family:'Fraunces',serif;color:var(--blue);font-weight:600}

  .price-guarantee{margin-top:14px;display:flex;align-items:center;justify-content:center;gap:8px;background:var(--gold-soft);border:1px solid var(--gold);color:var(--gold-deep);border-radius:10px;padding:11px 14px;font-size:.92rem;font-weight:700}
  .price-guarantee svg{width:17px;height:17px;flex-shrink:0}

  /* garanties */
  .guarantees{background:var(--navy)}
  .guarantees .sec-head h2{color:#fff}
  .guarantees .sec-head p{color:rgba(255,255,255,.8)}
  .guarantees .eyebrow{color:var(--gold)}
  .guarantees .eyebrow::before{background:var(--gold)}
  .guar-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
  .guar-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:26px 24px;text-align:center;transition:transform .25s,border-color .25s}
  .guar-card:hover{transform:translateY(-4px);border-color:var(--gold)}
  .guar-ico{width:52px;height:52px;margin:0 auto 14px;border-radius:14px;background:rgba(198,161,91,.14);display:grid;place-items:center;color:var(--gold)}
  .guar-ico svg{width:24px;height:24px}
  .guar-card h3{color:#fff;font-size:1.1rem;margin-bottom:7px}
  .guar-card p{color:rgba(255,255,255,.72);font-size:.9rem;line-height:1.55}
  @media(max-width:920px){.deduct-grid{grid-template-columns:1fr}.deduct-table-head,.deduct-row{padding-left:16px;padding-right:16px;gap:8px}.deduct-row.highlight::before{left:16px}.deduct-foot{padding-left:16px;padding-right:16px}.deduct-row .net{font-size:1.25rem}.deduct-table-head{font-size:.66rem}}

  /* testimonials */
  /* bande de temoignages defilante */
  .marquee-wrap{position:relative;overflow:hidden;padding:8px 0}
  .marquee-wrap::before,.marquee-wrap::after{content:"";position:absolute;top:0;bottom:0;width:90px;z-index:2;pointer-events:none}
  .marquee-wrap::before{left:0;background:linear-gradient(90deg,var(--paper),rgba(252,251,247,0))}
  .marquee-wrap::after{right:0;background:linear-gradient(270deg,var(--paper),rgba(252,251,247,0))}
  .marquee-track{display:flex;gap:22px;width:max-content;animation:marquee-scroll 80s linear infinite}
  .marquee-track:hover{animation-play-state:paused}
  @keyframes marquee-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
  .mq-card{flex-shrink:0;width:380px;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column}
  .mq-card .stars{color:var(--azure);font-size:.95rem;letter-spacing:3px;margin-bottom:12px}
  .mq-card p{font-family:'Fraunces';font-size:.98rem;font-style:italic;color:var(--navy);line-height:1.55;margin-bottom:18px;flex:1}
  .mq-card .who{display:flex;align-items:center;gap:12px}
  .mq-card .av{width:40px;height:40px;border-radius:50%;background:var(--mist);color:var(--blue);
    display:grid;place-items:center;font-weight:700;font-family:'Fraunces';flex-shrink:0;font-size:.85rem}
  .mq-card .who .n{font-weight:700;font-size:.9rem}
  .mq-card .who .r{font-size:.78rem;color:var(--soft)}
  @media(max-width:700px){.mq-card{width:300px}}

  /* faq */
  .faq{background:linear-gradient(180deg,var(--paper),var(--mist-2))}
  .faq-list{max-width:780px;margin:0 auto}
  .faq-item{background:var(--white);border:1px solid var(--line);border-radius:14px;margin-bottom:14px;overflow:hidden}
  .faq-q{padding:22px 26px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:700;font-size:1.05rem}
  .faq-q span.ic{color:var(--blue);font-size:1.5rem;transition:transform .3s;font-family:'Mulish';font-weight:300}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;color:var(--soft)}
  .faq-a p{padding:0 26px 22px;font-size:.97rem}
  .faq-item.open .faq-a{max-height:360px}
  .faq-item.open .ic{transform:rotate(45deg)}

  /* contact */
  .contact{background:var(--navy);color:#fff}
  .contact .split{align-items:start}
  .contact h2{color:#fff;font-size:clamp(2rem,3.5vw,2.7rem)}
  .contact .eyebrow{color:#DFC48A}.contact .eyebrow::before{background:#DFC48A}
  .contact .lead{color:rgba(255,255,255,.8);font-size:1.08rem;margin-top:16px;max-width:420px}
  .contact-info{margin-top:30px}
  .contact-info li{list-style:none;display:flex;gap:13px;align-items:center;padding:9px 0;color:rgba(255,255,255,.85)}
  .contact-info svg{width:19px;height:19px;color:#DFC48A}
  .form{background:var(--white);border-radius:22px;padding:38px;box-shadow:var(--shadow-lg)}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  .field{margin-bottom:17px}
  .field label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:7px}
  .field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);
    border-radius:10px;font-family:'Mulish';font-size:.97rem;color:var(--navy);background:var(--mist-2);transition:all .2s}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--azure);background:#fff;box-shadow:0 0 0 4px rgba(26,74,122,.12)}
  .field textarea{resize:vertical;min-height:96px}
  .form-callback{display:flex;align-items:flex-start;gap:12px;background:var(--gold-soft);border:1px solid var(--gold);border-radius:12px;padding:14px 16px;margin-bottom:20px}
  .form-callback svg{width:20px;height:20px;color:var(--gold-deep);flex-shrink:0;margin-top:1px}
  .form-callback p{font-size:.88rem;color:var(--navy);line-height:1.5}
  .form-callback strong{color:var(--gold-deep)}
  .form .btn-primary{width:100%;justify-content:center;padding:15px}
  .form-success{display:none;background:rgba(198,161,91,.1);border:1px solid var(--teal);
    color:var(--teal);padding:14px;border-radius:10px;font-size:.93rem;font-weight:600;text-align:center;margin-top:14px}

  /* footer */
  footer{background:var(--navy);color:rgba(255,255,255,.6);border-top:1px solid rgba(255,255,255,.1);padding:52px 0 36px;text-align:center}
  .foot-grid{display:flex;flex-direction:column;align-items:center;gap:22px}
  .foot-grid .logo{color:#fff;justify-content:center}
  footer a{color:rgba(255,255,255,.6);font-size:.9rem;transition:color .2s}
  footer a:hover{color:#fff}
  .foot-links{display:flex;justify-content:center;gap:26px;flex-wrap:wrap;row-gap:10px;width:100%}
  .foot-divider{width:44px;height:1px;background:rgba(255,255,255,.16)}
  .foot-legal-links{display:flex;justify-content:center;gap:20px;flex-wrap:wrap;row-gap:8px;width:100%;font-size:.8rem}
  .foot-legal-links a{font-size:.8rem;opacity:.75}
  .foot-copy{font-size:.78rem;line-height:1.7;margin-top:26px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);text-align:center;max-width:640px;margin-left:auto;margin-right:auto}

  /* reveal */
  .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
  .reveal.in{opacity:1;transform:none}
  [data-d="1"]{transition-delay:.08s}[data-d="2"]{transition-delay:.16s}
  [data-d="3"]{transition-delay:.24s}[data-d="4"]{transition-delay:.32s}

  /* note toast */
  .toast{position:fixed;bottom:26px;left:50%;transform:translateX(-50%) translateY(120px);
    background:var(--navy);color:#fff;padding:14px 22px;border-radius:12px;font-size:.92rem;
    font-weight:500;box-shadow:var(--shadow-lg);z-index:200;transition:transform .4s ease;max-width:90%}
  .toast.show{transform:translateX(-50%) translateY(0)}

  @media(max-width:920px){
    .hero-grid,.split,.cards,.prog-grid,.quotes,.form-row,.trust .wrap{grid-template-columns:1fr}
    .nav-links{display:none}
    .hero{padding:140px 0 70px}
    .trust-item{border-left:none;border-top:1px solid var(--line)}
    .trust-item:first-child{border-top:none}
    section.block{padding:74px 0}
    .visual-panel{margin-top:20px}
  }