/* =================================================================
   Landing page — évaluation de dossiers financiers (marché français)
   Direction : « le dossier » — papier, encre marine, laiton.
   ================================================================= */

/* ---------------------------- Jetons ---------------------------- */
:root {
  --ink:        #0B1B33;
  --ink-2:      #102741;
  --ink-deep:   #070F1D;
  --paper:      #F5F3EF;
  --surface:    #FFFFFF;
  --surface-2:  #FAF9F6;
  --slate:      #4B5A70;
  --slate-2:    #6E7A8C;
  --brass:      #A8823F;
  --brass-2:    #8E6C30;
  --brass-soft: #D8C08A;
  --rule:       #E2DED5;
  --rule-dark:  rgba(255, 255, 255, .16);

  --font-display: "Spectral", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-body:    "Archivo", "Segoe UI", system-ui, -apple-system, Helvetica, Arial, sans-serif;
  --font-mono:    "IBM Plex Mono", "SFMono-Regular", Consolas, "Liberation Mono", monospace;

  --shell:   1180px;
  --radius:  4px;
  --radius-lg: 8px;
  --section-y: clamp(64px, 7.5vw, 112px);
  --shadow-card: 0 1px 2px rgba(11, 27, 51, .04), 0 12px 32px -24px rgba(11, 27, 51, .5);
  --shadow-lift: 0 2px 4px rgba(11, 27, 51, .05), 0 24px 48px -28px rgba(11, 27, 51, .55);
}

/* ----------------------------- Base ----------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--slate);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, picture, svg { max-width: 100%; display: block; }
img { height: auto; }

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.14;
  letter-spacing: -.012em;
  margin: 0;
}

p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }

a { color: inherit; }

:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 3px;
  border-radius: 2px;
}

.shell {
  width: min(var(--shell), 100% - 40px);
  margin-inline: auto;
}

.section { padding: var(--section-y) 0; }

/* compense l'en-tête collant lors du défilement vers une ancre */
[id] { scroll-margin-top: 92px; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 100;
  background: var(--ink);
  color: #fff;
  padding: 12px 18px;
  font-size: .9rem;
}
.skip-link:focus { left: 12px; top: 12px; }

/* -------------------------- Typographie ------------------------- */
.eyebrow {
  font-family: var(--font-mono);
  font-size: .7rem;
  font-weight: 500;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--brass-2);
  margin-bottom: 18px;
}
.eyebrow--light { color: var(--brass-soft); }

.section__title { font-size: clamp(1.7rem, 1.15rem + 2.1vw, 2.7rem); }
.section__title--light { color: #fff; }

.section__lead {
  font-size: clamp(1.02rem, .98rem + .28vw, 1.14rem);
  color: var(--slate);
  margin-top: 20px;
  max-width: 62ch;
}

/* ---------------------------- Boutons --------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 26px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: .98rem;
  font-weight: 600;
  letter-spacing: .005em;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background-color .18s ease, border-color .18s ease, transform .18s ease, color .18s ease;
}

.btn--primary {
  background: var(--brass);
  border-color: var(--brass);
  color: #12203A;
}
.btn--primary:hover { background: var(--brass-2); border-color: var(--brass-2); color: #fff; transform: translateY(-1px); }

.btn--ghost {
  background: transparent;
  border-color: var(--rule-dark);
  color: #fff;
}
.btn--ghost:hover { border-color: var(--brass-soft); color: var(--brass-soft); transform: translateY(-1px); }

.btn--sm { padding: 11px 18px; font-size: .9rem; }
.btn--lg { padding: 18px 34px; font-size: 1.05rem; }
.btn--block { display: flex; width: 100%; }

/* icône WhatsApp en tête de chaque bouton de conversion */
.btn__icon {
  flex: none;
  width: 20px;
  height: 20px;
  margin-left: -2px;
}
.btn--sm .btn__icon { width: 18px; height: 18px; }
.btn--lg .btn__icon { width: 22px; height: 22px; }

/* ---------------------------- En-tête --------------------------- */
.masthead {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(245, 243, 239, .94);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--rule);
}

.masthead__in {
  display: flex;
  align-items: center;
  gap: 28px;
  min-height: 74px;
  padding: 10px 0;
}

.wordmark {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--ink);
  margin-right: auto;
}
.wordmark__mark { width: 30px; height: 30px; color: var(--brass); flex: none; }
.wordmark__text { display: flex; flex-direction: column; }
.wordmark__name {
  font-family: var(--font-display);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: -.005em;
  line-height: 1.25;
}
.wordmark__sub {
  font-family: var(--font-mono);
  font-size: .62rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--slate-2);
}

.masthead__nav { display: flex; gap: 26px; }
.masthead__nav a {
  font-size: .92rem;
  color: var(--slate);
  text-decoration: none;
  padding: 6px 0;
  border-bottom: 1px solid transparent;
  transition: color .18s ease, border-color .18s ease;
}
.masthead__nav a:hover { color: var(--ink); border-bottom-color: var(--brass); }

/* ------------------------------ Hero ---------------------------- */
.hero {
  position: relative;
  isolation: isolate;
  background: var(--ink);
  color: #fff;
  padding: clamp(48px, 6vw, 88px) 0 clamp(104px, 11vw, 148px);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -2;
  background:
    radial-gradient(1000px 520px at 76% 12%, rgba(168, 130, 63, .20), transparent 62%),
    linear-gradient(178deg, #10233F 0%, #0B1B33 58%, #08172B 100%);
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  opacity: .5;
  background-image: repeating-linear-gradient(96deg, rgba(255, 255, 255, .045) 0 1px, transparent 1px 78px);
}

.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.03fr) minmax(0, .97fr);
  gap: clamp(32px, 5vw, 76px);
  align-items: center;
}

.hero__title {
  color: #fff;
  font-size: clamp(2.05rem, 1.5rem + 2.1vw, 3.15rem);
  line-height: 1.1;
  letter-spacing: -.016em;
  max-width: 17ch;
}

.hero__lead {
  margin-top: 24px;
  max-width: 54ch;
  font-size: clamp(1.02rem, .97rem + .34vw, 1.16rem);
  color: rgba(255, 255, 255, .82);
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.hero__points {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin-top: 32px;
  padding-top: 22px;
  border-top: 1px solid var(--rule-dark);
  font-family: var(--font-mono);
  font-size: .68rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .68);
}
.hero__points li { display: flex; align-items: center; gap: 9px; }
.hero__points li::before {
  content: "";
  width: 5px;
  height: 5px;
  background: var(--brass-soft);
  transform: rotate(45deg);
  flex: none;
}

.hero__visual { position: relative; margin: 0; }
.hero__visual::before {
  content: "";
  position: absolute;
  inset: 20px -20px -20px 20px;
  border: 1px solid rgba(216, 192, 138, .38);
  border-radius: var(--radius-lg);
}
.hero__visual img {
  position: relative;
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: 0 40px 70px -40px rgba(0, 0, 0, .8);
}

.hero__note {
  position: relative;
  margin: -46px 0 0 -8px;
  max-width: 330px;
  background: var(--paper);
  color: var(--ink);
  border-left: 2px solid var(--brass);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
  font-size: .88rem;
  line-height: 1.6;
  box-shadow: var(--shadow-lift);
}
.hero__note-label {
  display: block;
  font-family: var(--font-mono);
  font-size: .62rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--brass-2);
  margin-bottom: 5px;
}

/* ------------------- Sélecteur de type de dossier --------------- */
.picker { position: relative; z-index: 5; }

.picker__panel {
  margin-top: clamp(-76px, -6vw, -56px);
  background: var(--surface);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 2.6vw, 30px);
  box-shadow: var(--shadow-lift);
}

.picker__title {
  font-family: var(--font-body);
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--slate-2);
  margin-bottom: 18px;
}

.picker__grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 10px;
}

.tile {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-start;
  padding: 16px 14px 15px;
  background: var(--surface-2);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  font-family: var(--font-body);
  text-align: left;
  cursor: pointer;
  transition: border-color .18s ease, transform .18s ease, background-color .18s ease;
}
.tile::before {
  content: "";
  position: absolute;
  top: -1px;
  left: 14px;
  width: 26px;
  height: 2px;
  background: var(--brass);
  opacity: 0;
  transition: opacity .18s ease;
}
.tile:hover { border-color: #C9BFA6; background: var(--surface); transform: translateY(-2px); }
.tile:hover::before { opacity: 1; }

.tile__ref {
  font-family: var(--font-mono);
  font-size: .68rem;
  letter-spacing: .12em;
  color: var(--brass-2);
}
.tile__name {
  font-size: .95rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.3;
}

/* ------------------------- Bandeau repères ---------------------- */
.assurances { padding: clamp(44px, 5vw, 72px) 0 0; }

.assurances__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  overflow: hidden;
}

.assurance { background: var(--paper); padding: 22px 24px; }
.assurance__label {
  font-family: var(--font-mono);
  font-size: .7rem;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 8px;
}
.assurance__text { font-size: .9rem; line-height: 1.6; color: var(--slate-2); }

/* --------------------------- Situations ------------------------- */
.situations__intro {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr);
  gap: clamp(32px, 4.5vw, 68px);
  align-items: center;
  margin-bottom: clamp(40px, 5vw, 64px);
}
.situations__intro-copy .btn { margin-top: 30px; }

.situations__figure { margin: 0; }
.situations__figure img {
  width: 100%;
  border-radius: var(--radius-lg);
  border: 1px solid var(--rule);
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.card {
  position: relative;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  background: var(--surface);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  transition: border-color .18s ease, transform .18s ease, box-shadow .18s ease;
}
.card::before {
  content: "";
  position: absolute;
  z-index: 2;
  top: 0;
  left: 24px;
  width: 34px;
  height: 3px;
  background: var(--brass);
}
.card:hover { border-color: #CFC6B2; transform: translateY(-3px); box-shadow: var(--shadow-card); }

.card__media { margin: 0; overflow: hidden; background: var(--ink); }
.card__media img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  transition: transform .5s ease;
}
.card:hover .card__media img { transform: scale(1.03); }

.card__body {
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: 24px 24px 26px;
  border-top: 1px solid var(--rule);
}

.card__ref {
  font-family: var(--font-mono);
  font-size: .68rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--brass-2);
  margin-bottom: 12px;
}
.card__title { font-size: 1.3rem; margin-bottom: 12px; }
.card__text { font-size: .95rem; line-height: 1.65; }

.card__link {
  align-self: flex-start;
  margin-top: auto;
  padding-top: 18px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--brass);
  padding-bottom: 2px;
  transition: color .18s ease;
}
.card__link::after { content: " \203A"; }
.card__link:hover { color: var(--brass-2); }

.situations__caveat {
  margin-top: 32px;
  padding-left: 18px;
  border-left: 2px solid var(--rule);
  font-size: .92rem;
  color: var(--slate-2);
  max-width: 78ch;
}

/* -------------------------- Déroulement ------------------------- */
.steps {
  background: var(--ink-2);
  background-image: linear-gradient(180deg, #102741 0%, #0C1E36 100%);
  color: rgba(255, 255, 255, .78);
}

.steps__list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  margin-top: clamp(36px, 4vw, 56px);
  background: var(--rule-dark);
  border-top: 1px solid var(--rule-dark);
  border-bottom: 1px solid var(--rule-dark);
}

.step { background: #0E2239; padding: 32px clamp(20px, 2.2vw, 32px) 34px; }
.step__num {
  display: block;
  font-family: var(--font-mono);
  font-size: .78rem;
  letter-spacing: .2em;
  color: var(--brass-soft);
  margin-bottom: 20px;
}
.step__title { color: #fff; font-size: 1.32rem; margin-bottom: 12px; }
.step__text { font-size: .95rem; line-height: 1.68; color: rgba(255, 255, 255, .72); }

.pullquote {
  margin: clamp(40px, 5vw, 64px) 0 0;
  max-width: 34ch;
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 1.05rem + 1.1vw, 1.85rem);
  line-height: 1.35;
  color: #fff;
  padding-left: 22px;
  border-left: 2px solid var(--brass);
}

.steps__cta { margin-top: 36px; }

/* --------------------- Première évaluation ---------------------- */
.review__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr);
  gap: clamp(32px, 4.5vw, 68px);
  align-items: start;
}

.review__lists {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
  margin-top: 34px;
}

.review__label {
  font-family: var(--font-mono);
  font-size: .7rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding-bottom: 10px;
  margin-bottom: 14px;
  border-bottom: 1px solid var(--rule);
}
.review__label--yes { color: var(--ink); }
.review__label--no { color: var(--slate-2); }

.review__list li {
  position: relative;
  padding-left: 20px;
  font-size: .93rem;
  line-height: 1.6;
  margin-bottom: 11px;
}
.review__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 8px;
  height: 1px;
  background: var(--brass);
}
.review__block:last-child .review__list li::before { background: #C6C0B4; }

.review__figure { margin: 0; position: sticky; top: 104px; }
.review__figure img {
  width: 100%;
  border-radius: var(--radius-lg);
  border: 1px solid var(--rule);
}
.review__figure figcaption {
  margin-top: 14px;
  font-size: .84rem;
  color: var(--slate-2);
  padding-left: 14px;
  border-left: 2px solid var(--brass);
}

/* ---------------------------- Contact --------------------------- */
.contact { background: var(--surface-2); border-top: 1px solid var(--rule); }

.contact__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, .85fr);
  gap: clamp(32px, 4.5vw, 72px);
  align-items: start;
}

.prep {
  margin-top: 34px;
  border-top: 1px solid var(--rule);
  padding-top: 24px;
}
.prep__title {
  font-family: var(--font-mono);
  font-size: .7rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--brass-2);
  margin-bottom: 14px;
}
.prep__list li {
  position: relative;
  padding-left: 20px;
  font-size: .92rem;
  margin-bottom: 9px;
}
.prep__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 8px;
  height: 1px;
  background: var(--brass);
}

.contact__figure { margin: 34px 0 0; }
.contact__figure img {
  width: 100%;
  border-radius: var(--radius-lg);
  border: 1px solid var(--rule);
}

.contact-card {
  position: sticky;
  top: 104px;
  background: var(--surface);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--brass);
  border-radius: var(--radius);
  padding: clamp(24px, 3vw, 36px);
  box-shadow: var(--shadow-card);
}

.contact-card__ref {
  font-family: var(--font-mono);
  font-size: .68rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--brass-2);
  margin-bottom: 16px;
}
.contact-card__title { font-size: 1.6rem; margin-bottom: 12px; }
.contact-card__text { font-size: .95rem; line-height: 1.65; margin-bottom: 26px; }

.contact-card__meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px 20px;
  margin: 26px 0 0;
  padding-top: 22px;
  border-top: 1px solid var(--rule);
}
.contact-card__meta dt {
  font-family: var(--font-mono);
  font-size: .64rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--slate-2);
  margin-bottom: 4px;
}
.contact-card__meta dd {
  margin: 0;
  font-size: .9rem;
  line-height: 1.45;
  color: var(--ink);
}
.contact-card__meta a { color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--rule); }
.contact-card__meta a:hover { border-bottom-color: var(--brass); }

.contact-card__note {
  margin-top: 24px;
  font-size: .87rem;
  font-weight: 500;
  color: var(--ink);
}
.contact-card__legal {
  margin-top: 10px;
  font-size: .8rem;
  line-height: 1.6;
  color: var(--slate-2);
}

/* ------------------------------ FAQ ----------------------------- */
.faq { border-top: 1px solid var(--rule); }

.faq__grid {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr);
  gap: clamp(32px, 4.5vw, 72px);
  align-items: start;
}
.faq__head { position: sticky; top: 104px; }

.qa {
  border-bottom: 1px solid var(--rule);
}
.qa:first-child { border-top: 1px solid var(--rule); }

.qa summary {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 0;
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.4;
  cursor: pointer;
  list-style: none;
}
.qa summary::-webkit-details-marker { display: none; }
.qa summary::after {
  content: "";
  flex: none;
  width: 11px;
  height: 11px;
  margin-top: .45em;
  margin-left: auto;
  border-right: 1.5px solid var(--brass);
  border-bottom: 1.5px solid var(--brass);
  transform: rotate(45deg);
  transition: transform .2s ease;
}
.qa[open] summary::after { transform: rotate(-135deg); }
.qa summary:hover { color: var(--brass-2); }

.qa__body { padding: 0 40px 22px 0; }
.qa__body p { font-size: .95rem; line-height: 1.7; }
.qa__body a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }

/* -------------------------- Appel final ------------------------- */
.closing {
  position: relative;
  isolation: isolate;
  padding: clamp(64px, 8vw, 116px) 0;
  color: #fff;
  background: var(--ink);
  background-image:
    linear-gradient(180deg, rgba(8, 20, 38, .93), rgba(8, 20, 38, .93)),
    url("../assets/images/examen-dossier.webp");
  background-size: cover;
  background-position: center;
}

.closing__in { max-width: 44rem; }
.closing__title {
  color: #fff;
  font-size: clamp(1.65rem, 1.15rem + 1.9vw, 2.5rem);
  max-width: 22ch;
}
.closing__text { margin-top: 20px; color: rgba(255, 255, 255, .8); max-width: 56ch; }
.closing .btn { margin-top: 32px; }
.closing__legal {
  margin-top: 22px;
  font-family: var(--font-mono);
  font-size: .72rem;
  letter-spacing: .06em;
  color: rgba(255, 255, 255, .55);
}

/* ------------------------- Pied de page ------------------------- */
.footer {
  background: var(--ink-deep);
  color: rgba(255, 255, 255, .66);
  padding: clamp(48px, 6vw, 76px) 0 32px;
  font-size: .9rem;
}

.footer__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr));
  gap: clamp(28px, 3.5vw, 56px);
}

.footer__name {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: #fff;
  margin-bottom: 14px;
}
.footer__desc { line-height: 1.65; max-width: 42ch; }
.footer__legal-note {
  margin-top: 18px;
  font-size: .8rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, .45);
  max-width: 46ch;
}

.footer__col { display: flex; flex-direction: column; gap: 10px; }
.footer__col-title {
  font-family: var(--font-mono);
  font-size: .68rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--brass-soft);
  margin-bottom: 4px;
}
.footer__col a {
  color: rgba(255, 255, 255, .72);
  text-decoration: none;
  transition: color .18s ease;
}
.footer__col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
.footer__contact { line-height: 1.5; }

.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 24px;
  margin-top: clamp(36px, 4vw, 56px);
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  font-size: .78rem;
  color: rgba(255, 255, 255, .45);
}

/* --------------------------- CTA mobile ------------------------- */
.sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 70;
  padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
  background: rgba(245, 243, 239, .96);
  backdrop-filter: blur(8px);
  border-top: 1px solid var(--rule);
  box-shadow: 0 -8px 24px -18px rgba(11, 27, 51, .8);
}
.sticky-cta[hidden] { display: none; }
body.has-sticky { padding-bottom: 82px; }

@media (min-width: 900px) {
  .sticky-cta, .sticky-cta[hidden] { display: none; }
  body.has-sticky { padding-bottom: 0; }
}

/* ---------------------------- Modales --------------------------- */
.modal {
  width: min(720px, calc(100vw - 32px));
  max-height: min(84vh, 920px);
  padding: 0;
  border: 1px solid var(--rule);
  border-top: 3px solid var(--brass);
  border-radius: var(--radius);
  background: var(--surface);
  color: var(--slate);
  overflow: hidden;
  box-shadow: 0 40px 80px -40px rgba(8, 20, 38, .7);
}
.modal--sm { width: min(520px, calc(100vw - 32px)); }
.modal::backdrop { background: rgba(8, 20, 38, .62); }

.modal__head {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 24px clamp(20px, 3vw, 32px) 18px;
  border-bottom: 1px solid var(--rule);
}
.modal__title { font-size: 1.4rem; }
.modal__close {
  flex: none;
  margin-left: auto;
  width: 36px;
  height: 36px;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  background: var(--surface-2);
  color: var(--ink);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  transition: border-color .18s ease, background-color .18s ease;
}
.modal__close:hover { border-color: var(--brass); background: var(--surface); }

.modal__body {
  padding: 22px clamp(20px, 3vw, 32px) 32px;
  overflow-y: auto;
  max-height: calc(min(84vh, 920px) - 96px);
}
.modal__body h3 {
  font-size: 1.05rem;
  margin: 26px 0 10px;
  padding-top: 20px;
  border-top: 1px solid var(--rule);
}
.modal__body h3:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.modal__body p, .modal__body li { font-size: .93rem; line-height: 1.7; }
.modal__body p + p { margin-top: 12px; }
.modal__body ul { margin-top: 12px; }
.modal__body li { position: relative; padding-left: 20px; margin-bottom: 8px; }
.modal__body li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .72em;
  width: 8px;
  height: 1px;
  background: var(--brass);
}
.modal__body a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }

body.modal-open { overflow: hidden; }

/* ------------------------ Mention démo -------------------------- */
.demo-flag {
  margin-top: 20px;
  padding: 12px 16px;
  border: 1px dashed rgba(255, 255, 255, .22);
  border-radius: var(--radius);
  font-size: .78rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, .5);
}
.demo-flag[hidden] { display: none; }

/* ---------------------------- Animation ------------------------- */
/* masqué uniquement si JavaScript est actif : sans JS, tout reste visible */
.js .reveal {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity .55s ease, transform .55s ease;
  transition-delay: calc(var(--i, 0) * 70ms);
}
.js .reveal.is-in { opacity: 1; transform: none; }

/* ---------------------------- Réactif --------------------------- */
@media (max-width: 1100px) {
  .hero__grid { grid-template-columns: 1fr; gap: 40px; }
  .hero__title { max-width: 20ch; }
  .hero__visual::before { inset: 14px -14px -14px 14px; }
  .hero__note { margin-left: 0; max-width: 100%; }
  .picker__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .masthead__nav { display: none; }
  .review__figure, .faq__head, .contact-card { position: static; }
  .footer__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 900px) {
  .situations__intro { grid-template-columns: 1fr; }
  .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps__list { grid-template-columns: 1fr; }
  .review__grid, .contact__grid, .faq__grid { grid-template-columns: 1fr; }
  .assurances__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .contact-card { position: static; }
}

@media (max-width: 640px) {
  .shell { width: min(var(--shell), 100% - 32px); }
  .masthead__in { gap: 12px; min-height: 66px; }
  .wordmark, .wordmark__text { min-width: 0; }
  .wordmark__name, .wordmark__sub { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
  .wordmark__name { font-size: .95rem; }
  /* le CTA collant en bas d'écran prend le relais sur mobile */
  .masthead__cta { display: none; }
  .picker__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cards { grid-template-columns: 1fr; }
  .assurances__grid { grid-template-columns: 1fr; }
  .contact-card__meta { grid-template-columns: 1fr; }
  .review__lists { grid-template-columns: 1fr; gap: 24px; }
  .hero__actions .btn { width: 100%; }
  .footer__grid { grid-template-columns: 1fr; }
  .qa__body { padding-right: 0; }
  .hero__visual::before { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important;
    transition-duration: .001ms !important;
  }
  .js .reveal, .reveal { opacity: 1; transform: none; }
}