/* =============================================
   AssuranceFinancière Solutions - Style Global
   Palette : #0D1B2A (bleu marine), #C9A84C (or), #FFFFFF
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800;900&display=swap');

/* === RESET & BASE === */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #0D1B2A;
  --navy-light: #152435;
  --navy-mid: #1E3A5F;
  --gold: #C9A84C;
  --gold-light: #E8C96A;
  --gold-dark: #A8893A;
  --white: #FFFFFF;
  --grey-light: #F4F6F9;
  --grey-mid: #E2E8F0;
  --grey-text: #64748B;
  --success: #10B981;
  --warning: #F59E0B;
  --danger: #EF4444;
  --font: 'Montserrat', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.12);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.15);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.2);
  --shadow-gold: 0 4px 20px rgba(201,168,76,0.3);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s ease;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--white);
  color: var(--navy);
  line-height: 1.7;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

/* === ANIMATIONS FADE-IN === */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-left {
  opacity: 0;
  transform: translateX(-40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in-left.visible {
  opacity: 1;
  transform: translateX(0);
}
.fade-in-right {
  opacity: 0;
  transform: translateX(40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in-right.visible {
  opacity: 1;
  transform: translateX(0);
}
.fade-in-scale {
  opacity: 0;
  transform: scale(0.9);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in-scale.visible {
  opacity: 1;
  transform: scale(1);
}

/* === TYPOGRAPHIE === */
h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1rem; color: var(--grey-text); }
.lead { font-size: 1.15rem; font-weight: 500; color: var(--navy); }

.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-navy { color: var(--navy); }
.text-center { text-align: center; }

/* === CONTENEUR === */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}
.container-sm { max-width: 800px; margin: 0 auto; padding: 0 20px; }
.container-lg { max-width: 1400px; margin: 0 auto; padding: 0 20px; }

/* === BOUTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.5px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-transform: uppercase;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(201,168,76,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
}
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }

/* === HEADER / NAVIGATION === */
header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(13, 27, 42, 0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(201, 168, 76, 0.2);
  transition: var(--transition);
}
header.scrolled {
  box-shadow: var(--shadow-lg);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}

.logo {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.logo-name {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.5px;
}
.logo-name span { color: var(--gold); }
.logo-tagline {
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 2px;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-link {
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 9px 18px !important;
  border-radius: var(--radius-sm);
  font-weight: 700 !important;
}
.nav-cta:hover {
  background: var(--gold-light) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 25px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* === HERO === */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #0F2A4A 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 80px;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 80px 0;
}
.hero-content { }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
  font-weight: 900;
}
.hero h1 em {
  font-style: normal;
  color: var(--gold);
}
.hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.1rem;
  margin-bottom: 32px;
}
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat { text-align: center; }
.hero-stat-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  display: block;
}
.hero-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* === HERO VISUAL === */
.hero-visual {
  position: relative;
}
.hero-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius-lg);
  padding: 32px;
  backdrop-filter: blur(10px);
}
.hero-card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.hero-card-icon {
  width: 48px;
  height: 48px;
  background: var(--gold);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero-card-title { color: var(--white); font-size: 1rem; font-weight: 700; }
.hero-card-sub { color: rgba(255,255,255,0.5); font-size: 0.75rem; }

.progress-item { margin-bottom: 20px; }
.progress-label {
  display: flex;
  justify-content: space-between;
  margin-bottom: 8px;
}
.progress-label span:first-child { color: rgba(255,255,255,0.8); font-size: 0.85rem; font-weight: 600; }
.progress-label span:last-child { color: var(--gold); font-size: 0.85rem; font-weight: 700; }
.progress-bar {
  height: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: 3px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light));
  border-radius: 3px;
  width: 0;
  transition: width 1.5s ease;
}
.progress-fill.animated { width: var(--target-width); }

.hero-floating {
  position: absolute;
  background: var(--gold);
  color: var(--navy);
  padding: 12px 20px;
  border-radius: var(--radius-md);
  font-size: 0.8rem;
  font-weight: 700;
  box-shadow: var(--shadow-lg);
  animation: float 3s ease-in-out infinite;
}
.hero-floating-1 { top: -20px; right: -20px; }
.hero-floating-2 { bottom: -20px; left: -20px; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

/* === SECTIONS === */
section { padding: 90px 0; }
.section-header {
  text-align: center;
  margin-bottom: 60px;
}
.section-label {
  display: inline-block;
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-title {
  margin-bottom: 16px;
}
.section-title em {
  font-style: normal;
  color: var(--gold);
}
.section-desc {
  max-width: 600px;
  margin: 0 auto;
  font-size: 1.05rem;
}
.section-divider {
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 20px auto 0;
  border-radius: 2px;
}

/* === CARDS === */
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-mid);
  transition: var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.3);
}
.card-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.card-icon svg { width: 28px; height: 28px; }

/* === GRILLES === */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* === BG COULEURS === */
.bg-navy { background: var(--navy); }
.bg-navy-light { background: var(--navy-light); }
.bg-grey { background: var(--grey-light); }
.bg-gold { background: var(--gold); }

/* === STATISTIQUES === */
.stats-section {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 70px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}
.stat-item {}
.stat-number {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 900;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.stat-separator {
  width: 1px;
  background: rgba(255,255,255,0.1);
}

/* === TIMELINE === */
.timeline {
  position: relative;
  padding: 20px 0;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 50%;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--gold), transparent);
  transform: translateX(-50%);
}
.timeline-item {
  display: grid;
  grid-template-columns: 1fr 60px 1fr;
  gap: 20px;
  margin-bottom: 48px;
  align-items: center;
}
.timeline-item:nth-child(even) .timeline-content { order: 3; }
.timeline-item:nth-child(even) .timeline-center { order: 2; }
.timeline-item:nth-child(even) .timeline-empty { order: 1; }

.timeline-content {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-md);
  border-left: 4px solid var(--gold);
}
.timeline-content h4 { margin-bottom: 8px; color: var(--navy); }
.timeline-content p { margin: 0; font-size: 0.9rem; }
.timeline-center { text-align: center; position: relative; }
.timeline-dot {
  width: 48px;
  height: 48px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  font-weight: 800;
  color: var(--navy);
  font-size: 1.1rem;
  box-shadow: 0 0 0 6px rgba(201,168,76,0.2);
  position: relative;
  z-index: 1;
}
.timeline-empty {}

/* === FORMULAIRE === */
.form-group {
  margin-bottom: 24px;
}
.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.form-control {
  width: 100%;
  padding: 14px 18px;
  border: 2px solid var(--grey-mid);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.95rem;
  color: var(--navy);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
.form-control::placeholder { color: #A0AEC0; }
textarea.form-control { resize: vertical; min-height: 140px; }
select.form-control { cursor: pointer; }

/* === SIMULATEUR === */
.simulator-section {
  background: var(--grey-light);
}
.simulator-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--grey-mid);
}
.simulator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.sim-label {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  justify-content: space-between;
}
.sim-label span { color: var(--gold); font-size: 1.1rem; }

input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--grey-mid);
  border-radius: 3px;
  outline: none;
  margin: 12px 0;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(201,168,76,0.5);
  border: 3px solid var(--white);
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(201,168,76,0.5);
  border: 3px solid var(--white);
}

.sim-result {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-md);
  padding: 32px;
  color: var(--white);
}
.sim-result h3 {
  color: var(--gold);
  margin-bottom: 24px;
  font-size: 1.1rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.result-item:last-child { border-bottom: none; }
.result-label { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.result-value { color: var(--gold); font-weight: 700; font-size: 1.1rem; }
.result-badge {
  display: inline-block;
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 700;
}
.badge-high { background: rgba(16,185,129,0.2); color: #10B981; }
.badge-mid { background: rgba(245,158,11,0.2); color: #F59E0B; }
.badge-low { background: rgba(239,68,68,0.2); color: #EF4444; }

.probability-gauge {
  margin: 24px 0;
  text-align: center;
}
.gauge-circle {
  width: 140px;
  height: 140px;
  margin: 0 auto 16px;
  position: relative;
}
.gauge-circle svg { transform: rotate(-90deg); }
.gauge-bg { fill: none; stroke: rgba(255,255,255,0.1); stroke-width: 10; }
.gauge-fill {
  fill: none;
  stroke: var(--gold);
  stroke-width: 10;
  stroke-linecap: round;
  stroke-dasharray: 339.29;
  stroke-dashoffset: 339.29;
  transition: stroke-dashoffset 1.5s ease;
}
.gauge-text {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}
.gauge-pct { font-size: 2rem; font-weight: 800; color: var(--gold); }
.gauge-lbl { font-size: 0.7rem; color: rgba(255,255,255,0.6); text-transform: uppercase; }

/* === TÉMOIGNAGES === */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--grey-mid);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 16px;
  left: 24px;
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.3;
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial-text {
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--grey-text);
  margin-bottom: 20px;
  padding-top: 24px;
}
.testimonial-author { display: flex; align-items: center; gap: 16px; }
.testimonial-avatar {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-weight: 800;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.testimonial-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testimonial-role { font-size: 0.8rem; color: var(--grey-text); }
.testimonial-stars { color: var(--gold); font-size: 0.9rem; margin-top: 4px; }
.testimonial-result {
  display: inline-block;
  background: rgba(16,185,129,0.1);
  color: var(--success);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 16px;
}

/* === FAQ === */
.faq-item {
  border: 1px solid var(--grey-mid);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.active {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.1);
}
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  transition: var(--transition);
  background: var(--white);
  user-select: none;
}
.faq-question:hover { background: var(--grey-light); }
.faq-item.active .faq-question { color: var(--gold); background: rgba(201,168,76,0.05); }
.faq-icon {
  width: 24px;
  height: 24px;
  background: var(--grey-mid);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}
.faq-item.active .faq-icon { background: var(--gold); transform: rotate(45deg); }
.faq-answer {
  display: none;
  padding: 0 24px 20px;
  color: var(--grey-text);
  font-size: 0.9rem;
  line-height: 1.7;
}
.faq-answer.open { display: block; }

/* === BANNIÈRE CTA === */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.7); margin-bottom: 32px; font-size: 1.05rem; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* === FEATURES LIST === */
.feature-list { display: flex; flex-direction: column; gap: 16px; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--grey-light);
  border-radius: var(--radius-sm);
  border-left: 4px solid var(--gold);
}
.feature-icon {
  width: 40px;
  height: 40px;
  background: var(--gold);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.feature-text h4 { margin-bottom: 4px; font-size: 0.95rem; }
.feature-text p { margin: 0; font-size: 0.85rem; }

/* === BADGE TRUST === */
.trust-bar {
  background: var(--grey-light);
  padding: 24px 0;
  border-top: 1px solid var(--grey-mid);
  border-bottom: 1px solid var(--grey-mid);
}
.trust-items {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 40px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--grey-text);
  font-size: 0.85rem;
  font-weight: 600;
}
.trust-item svg { color: var(--gold); }

/* === PAGE HERO INNER === */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 140px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; position: relative; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 650px; margin: 0 auto; position: relative; }
.breadcrumb {
  display: flex;
  justify-content: center;
  gap: 8px;
  align-items: center;
  margin-bottom: 20px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  position: relative;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* === LISTE AVANTAGES === */
.check-list { display: flex; flex-direction: column; gap: 12px; }
.check-item {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
}
.check-icon {
  width: 24px;
  height: 24px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.check-icon svg { width: 12px; height: 12px; }

/* === INFO BOX === */
.info-box {
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.info-box-icon { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.info-box-text h5 { color: var(--navy); margin-bottom: 4px; font-size: 0.9rem; }
.info-box-text p { margin: 0; font-size: 0.85rem; }

.warning-box {
  background: rgba(245,158,11,0.08);
  border: 1px solid rgba(245,158,11,0.3);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
}

/* === FOOTER === */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}
.footer-brand .logo-name { font-size: 1.3rem; }
.footer-brand p {
  color: rgba(255,255,255,0.55);
  font-size: 0.875rem;
  margin-top: 16px;
  line-height: 1.7;
}
.footer-heading {
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.875rem;
  transition: var(--transition);
}
.footer-links a:hover { color: var(--gold); padding-left: 6px; }
.footer-contact { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.footer-contact-item svg { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.footer-contact-item span { color: rgba(255,255,255,0.6); font-size: 0.875rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--gold); }

/* === SCROLL TO TOP === */
#scrollTop {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 44px;
  height: 44px;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transform: translateY(20px);
  transition: var(--transition);
  z-index: 999;
  box-shadow: var(--shadow-md);
}
#scrollTop.visible { opacity: 1; transform: translateY(0); }
#scrollTop:hover { background: var(--gold-light); }

/* === NOTIFICATION === */
.notification {
  position: fixed;
  top: 90px;
  right: 20px;
  background: var(--navy);
  color: var(--white);
  padding: 16px 24px;
  border-radius: var(--radius-md);
  border-left: 4px solid var(--gold);
  box-shadow: var(--shadow-lg);
  z-index: 9999;
  transform: translateX(120%);
  transition: transform 0.4s ease;
  font-size: 0.9rem;
  max-width: 320px;
}
.notification.show { transform: translateX(0); }
.notification.success { border-color: var(--success); }
.notification.error { border-color: var(--danger); }

/* === RESPONSIVE === */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero { padding-top: 100px; }
  .hero-grid { padding: 60px 0; }
  .timeline::before { left: 24px; }
  .timeline-item { grid-template-columns: 48px 1fr; grid-template-rows: auto; }
  .timeline-item .timeline-empty { display: none; }
  .timeline-item .timeline-content { grid-column: 2; }
  .timeline-item .timeline-center { grid-column: 1; grid-row: 1; }
  .timeline-item:nth-child(even) .timeline-content { order: unset; }
  .timeline-item:nth-child(even) .timeline-center { order: unset; }
  .simulator-grid { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  section { padding: 60px 0; }
  .hamburger { display: flex; }
  .nav-menu {
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 24px 20px;
    gap: 4px;
    transform: translateY(-120%);
    transition: transform 0.3s ease;
    border-bottom: 1px solid rgba(201,168,76,0.2);
    z-index: 999;
    align-items: stretch;
  }
  .nav-menu.open { transform: translateY(0); }
  .nav-link { padding: 12px 16px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .cta-actions { flex-direction: column; align-items: center; }
  .trust-items { gap: 20px; }
  .simulator-card { padding: 28px 20px; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
  .btn-lg { padding: 14px 28px; font-size: 0.95rem; }
  .hero-stats { grid-template-columns: 1fr; text-align: center; }
  .stats-grid { grid-template-columns: 1fr; }
}