/* Elite Gestion & Patrimoine — feuille de style unique.
   Direction « Produit » : un cabinet de conseil utile dès le premier écran. Blanc, anthracite, gris acier du logo,
   l'or en touche (numéros, repères, curseurs). Une seule famille, Inter, en trois graisses (400, 500, 600) ; la
   hiérarchie se fait par la taille et l'approche. Filets fins, angles à peine adoucis, jamais d'italique. */

:root {
  --ink: #15171a;
  --gris: #5b6168;
  --pale: #7a8087;
  --acier: #a2a8ae;
  --filet: #e3e5e8;
  --filet-fort: #cdd1d5;
  --fond: #f4f5f6;
  --blanc: #ffffff;
  --or: #b0873c;
  --or-fonce: #8a6a2d;
  --vert: #3d6b4c;
  --rouge: #a3412d;
  --ombre: 0 32px 64px -40px rgba(21, 23, 26, .38), 0 1px 2px rgba(21, 23, 26, .04);
  --f: 'Inter', 'Helvetica Neue', Arial, sans-serif;

  --e1: 4px; --e2: 8px; --e3: 12px; --e4: 18px; --e5: 26px; --e6: 38px; --e7: 56px; --e8: 76px; --e9: 110px;
  --section: clamp(80px, 9vw, 140px);
  --gouttiere: clamp(20px, 4.5vw, 64px);
  --large: 1312px;
  --tete: 76px;
  --sortie: cubic-bezier(.16, 1, .3, 1);
  --glisse: cubic-bezier(.65, 0, .35, 1);
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html {
  background: var(--blanc); color: var(--ink); font-family: var(--f); font-size: 100%;
  -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: var(--tete);
}
html:not(.lisse) { scroll-behavior: smooth; }
body {
  margin: 0; font-size: 1rem; line-height: 1.6; font-weight: 400; font-variant-numeric: lining-nums;
  font-feature-settings: 'cv11', 'ss01'; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; overflow-x: clip;
}
button, input, select, textarea { font: inherit; color: inherit; letter-spacing: inherit; }
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p, ul, ol, dl, dd, figure, fieldset { margin: 0; padding: 0; }
ul, ol { list-style: none; }
fieldset { border: 0; min-width: 0; }
em, i { font-style: normal; }
b, strong { font-weight: 600; }
[hidden] { display: none !important; }
::selection { background: #e9dcc0; color: var(--ink); }
:focus-visible { outline: 2px solid var(--or); outline-offset: 3px; }
.defs { position: absolute; width: 0; height: 0; overflow: hidden; }
.ico { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.wrap { width: 100%; max-width: calc(var(--large) + 2 * var(--gouttiere)); margin-inline: auto; padding-inline: var(--gouttiere); }
section { scroll-margin-top: var(--tete); }
.evitement { position: fixed; left: var(--e4); top: var(--e4); z-index: 200; padding: var(--e3) var(--e4); background: var(--ink); color: #fff; border-radius: 3px; transform: translateY(-200%); }
.evitement:focus { transform: none; }

/* ---------- typographie ---------- */
.eyebrow { font-size: .8125rem; color: var(--gris); }
.carre { display: inline-block; width: 7px; height: 7px; margin-right: 10px; background: var(--or); vertical-align: 1px; }
.titre-section { font-size: clamp(2.25rem, 4.2vw, 3.75rem); font-weight: 500; line-height: 1.02; letter-spacing: -.045em; text-wrap: balance; }
.gris { color: var(--acier); }
.section-chapo { margin-top: var(--e5); max-width: 36em; font-size: 1.0625rem; line-height: 1.65; color: var(--gris); }
.section-chapo b { color: var(--ink); font-weight: 500; }
.section-tete-ligne { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--e6); align-items: end; padding-bottom: var(--e6); border-bottom: 1px solid var(--ink); }
.section-tete-ligne .section-chapo { margin-top: 0; justify-self: end; }
.a-confirmer { display: inline-block; font-size: .75rem; font-weight: 500; color: var(--or-fonce); border: 1px dashed var(--or); border-radius: 3px; padding: 1px 8px; vertical-align: middle; }

/* ---------- boutons et liens ---------- */
.bouton {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--e2);
  min-height: 48px; padding: 0 22px; border: 1px solid transparent; border-radius: 3px;
  font-size: .875rem; font-weight: 500; white-space: nowrap; cursor: pointer;
  transition: background-color .3s, color .3s, border-color .3s, transform .5s var(--sortie);
}
.bouton-noir { background: var(--ink); color: #fff; }
.bouton-noir:hover, .bouton-noir:focus-visible { background: #2d3136; }
.bouton-ligne { border-color: var(--filet-fort); color: var(--ink); background: var(--blanc); }
.bouton-ligne:hover, .bouton-ligne:focus-visible { border-color: var(--ink); }
.lien { font-weight: 500; color: var(--ink); background: linear-gradient(currentColor, currentColor) 0 100% / 100% 1px no-repeat; padding-bottom: 1px; transition: background-size .45s var(--sortie), color .3s; }
.lien:hover { background-size: 0 1px; background-position: 100% 100%; color: var(--or-fonce); }
.lien-bouton { border: 0; background-color: transparent; cursor: pointer; font-size: .875rem; min-height: 44px; }

/* ---------- chargement : le logo et une ligne d'or, puis le voile se lève ---------- */
.chargement { display: none; }
.charge .chargement {
  position: fixed; inset: 0; z-index: 150; display: grid; place-content: center; justify-items: center; gap: var(--e5);
  background: var(--blanc); clip-path: inset(0 0 0 0); animation: secours-chargement 0s 4s forwards;
}
.charge.ouvre .chargement { clip-path: inset(0 0 100% 0); transition: clip-path .8s var(--glisse); }
@keyframes secours-chargement { to { visibility: hidden; opacity: 0; } }
.chargement-logo { width: min(56vw, 220px); opacity: 0; animation: pose .7s .05s var(--sortie) forwards; }
.chargement-barre { display: block; width: min(56vw, 220px); height: 1px; background: var(--or); transform: scaleX(0); transform-origin: 0 50%; animation: barre .9s .15s var(--glisse) forwards; }
@keyframes pose { from { transform: translateY(8px); } to { opacity: 1; transform: none; } }
@keyframes barre { to { transform: scaleX(1); } }
.charge.ouvre .chargement-logo, .charge.ouvre .chargement-barre { opacity: 0; transition: opacity .3s; }

/* ---------- en-tête ---------- */
.tete { position: fixed; inset: 0 0 auto 0; z-index: 100; height: var(--tete); transition: transform .45s var(--sortie), background-color .3s, box-shadow .3s; }
.tete-in { height: 100%; max-width: calc(var(--large) + 2 * var(--gouttiere)); margin-inline: auto; padding-inline: var(--gouttiere); display: flex; align-items: center; justify-content: space-between; gap: var(--e5); }
.tete-pleine .tete { background: rgba(255, 255, 255, .94); box-shadow: 0 1px 0 var(--filet); }
.tete-cachee .tete { transform: translateY(-100%); }
.tete-logo { display: flex; align-items: center; min-height: 44px; flex: none; }
.tete-logo img { width: auto; height: 30px; }
.nav { display: flex; align-items: center; gap: var(--e6); }
.nav ul { display: flex; gap: var(--e5); }
.nav ul a { display: inline-flex; align-items: center; min-height: 44px; font-size: .875rem; color: var(--gris); transition: color .25s; }
.nav ul a:hover, .nav ul a.actif { color: var(--ink); }
.nav ul a.actif { background: linear-gradient(var(--or), var(--or)) 0 calc(50% + .95em) / 100% 2px no-repeat; }
.nav-cta { min-height: 42px; padding: 0 18px; font-size: .8125rem; }
.nav-pied { display: none; }
.burger { display: none; }
@media (max-width: 1099px) {
  .burger {
    display: inline-flex; align-items: center; gap: var(--e3); min-height: 44px; padding: 0 0 0 var(--e3);
    border: 0; background: none; cursor: pointer; font-size: .875rem; font-weight: 500; position: relative; z-index: 2;
  }
  .burger-traits { display: grid; gap: 6px; width: 22px; }
  .burger-traits i { display: block; height: 1.5px; background: var(--ink); transition: transform .35s var(--sortie); }
  .menu-ouvert .burger-traits i:first-child { transform: translateY(3.75px) rotate(45deg); }
  .menu-ouvert .burger-traits i:last-child { transform: translateY(-3.75px) rotate(-45deg); }
  .nav { display: none; position: fixed; inset: 0; z-index: 1; flex-direction: column; align-items: flex-start; justify-content: center; gap: var(--e6); padding: calc(var(--tete) + var(--e5)) var(--gouttiere) var(--e7); background: var(--blanc); }
  .menu-ouvert .nav { display: flex; }
  .menu-ouvert .tete { transform: none; background: var(--blanc); }
  .menu-ouvert .tete-logo { position: relative; z-index: 2; }
  .menu-ouvert body { overflow: hidden; }
  .nav ul { flex-direction: column; gap: 0; }
  .nav ul a { font-size: clamp(1.75rem, 8vw, 2.5rem); font-weight: 500; letter-spacing: -.035em; color: var(--ink); min-height: 52px; }
  .nav ul a.actif { background: none; color: var(--or-fonce); }
  .nav-pied { display: block; font-size: .875rem; color: var(--gris); }
}

/* ---------- l'accueil : la promesse et les calculateurs ---------- */
.heros { background: var(--fond); border-bottom: 1px solid var(--filet); padding: calc(var(--tete) + clamp(40px, 6vw, 88px)) 0 clamp(64px, 7vw, 104px); }
.heros-grille { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 528px); gap: clamp(40px, 6vw, 96px); align-items: center; }
.heros-texte { min-width: 0; }
.heros-titre { margin-top: var(--e5); font-size: clamp(2.875rem, 6.4vw, 5.75rem); font-weight: 500; line-height: .98; letter-spacing: -.05em; text-wrap: balance; }
.heros-titre .gris { display: block; }
.heros-chapo { margin-top: var(--e5); max-width: 32em; font-size: 1.1875rem; line-height: 1.6; color: var(--gris); }
.heros-actions { margin-top: var(--e6); display: flex; flex-wrap: wrap; gap: var(--e3); }
.conseiller { margin-top: var(--e7); padding-top: var(--e5); border-top: 1px solid var(--filet-fort); display: flex; align-items: center; gap: var(--e4); max-width: 34em; }
.conseiller img { width: 56px; height: 56px; flex: none; border-radius: 50%; object-fit: cover; object-position: 50% 14%; filter: grayscale(1); }
.conseiller p { display: grid; gap: 2px; font-size: .8125rem; color: var(--pale); line-height: 1.45; }
.conseiller b { font-size: .9375rem; font-weight: 600; color: var(--ink); }

/* la carte des calculateurs */
.outil { min-width: 0; background: var(--blanc); border: 1px solid #e0e3e6; border-radius: 6px; box-shadow: var(--ombre); }
.onglets { position: relative; display: flex; gap: var(--e5); padding: 0 28px; border-bottom: 1px solid var(--filet); overflow-x: auto; scrollbar-width: none; }
.onglets::-webkit-scrollbar { display: none; }
.onglet { flex: none; min-height: 58px; padding: 0; border: 0; background: none; cursor: pointer; font-size: .875rem; color: var(--pale); white-space: nowrap; transition: color .25s; }
.onglet[aria-selected="true"], .onglet:hover { color: var(--ink); }
.onglet[aria-selected="true"] { font-weight: 500; }
.onglets-trait { position: absolute; left: 0; bottom: -1px; height: 2px; width: 0; background: var(--ink); transition: transform .5s var(--sortie), width .5s var(--sortie); }
.panneau { padding: 24px 28px 26px; }
.anim .panneau:not([hidden]) { animation: panneau .5s var(--sortie); }
@keyframes panneau { from { opacity: 0; transform: translateY(6px); } }
.reglages { display: grid; gap: 18px; }
.bascule { display: flex; padding: 3px; background: var(--fond); border-radius: 4px; }
.bascule label { flex: 1 1 0; position: relative; cursor: pointer; }
.bascule input, .question input, .puces input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.bascule span { display: flex; align-items: center; justify-content: center; min-height: 38px; padding: 0 var(--e3); border-radius: 3px; font-size: .8125rem; color: var(--gris); text-align: center; line-height: 1.2; transition: background-color .25s, color .25s, box-shadow .25s; }
.bascule input:checked + span { background: var(--blanc); color: var(--ink); font-weight: 500; box-shadow: 0 1px 3px rgba(21, 23, 26, .12); }
.bascule input:focus-visible + span, .question input:focus-visible + span, .puces input:focus-visible + span { outline: 2px solid var(--or); outline-offset: 2px; }
.reglage { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; column-gap: var(--e3); }
.reglage > label { font-size: .8125rem; color: var(--gris); }
.valeur { display: flex; align-items: baseline; justify-content: flex-end; gap: 4px; font-size: .9375rem; font-weight: 600; font-variant-numeric: tabular-nums; }
.valeur span { color: var(--ink); }
.valeur input { width: auto; field-sizing: content; min-width: 2ch; max-width: 10ch; padding: 0 0 1px; border: 0; border-bottom: 1px dashed transparent; background: none; font-weight: 600; text-align: right; transition: border-color .2s; }
.valeur input:hover { border-bottom-color: var(--filet-fort); }
.valeur input:focus { outline: none; border-bottom-color: var(--or); }
.reglage input[type="range"] { grid-column: 1 / -1; }
/* les curseurs : un filet, l'encre jusqu'à la valeur, une bille blanche cerclée */
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 26px; margin: 2px 0 0; background: none; cursor: pointer; --p: 50%; }
input[type="range"]::-webkit-slider-runnable-track { height: 2px; border-radius: 2px; background: linear-gradient(var(--ink), var(--ink)) 0 0 / var(--p) 100% no-repeat, var(--filet); }
input[type="range"]::-moz-range-track { height: 2px; background: var(--filet); }
input[type="range"]::-moz-range-progress { height: 2px; background: var(--ink); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; margin-top: -8px; border-radius: 50%; background: var(--blanc); border: 2px solid var(--ink); transition: transform .25s var(--sortie), box-shadow .25s; }
input[type="range"]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: var(--blanc); border: 2px solid var(--ink); }
input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.12); }
input[type="range"]:focus-visible { outline: none; }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 5px rgba(176, 135, 60, .25); }

.resultat { margin-top: 22px; padding: 22px 22px 20px; background: var(--fond); border-radius: 4px; }
.resultat-label { font-size: .8125rem; color: var(--gris); }
.resultat-chiffre { margin-top: 4px; display: flex; align-items: baseline; gap: 8px; font-size: clamp(2.5rem, 4vw, 3.25rem); font-weight: 500; line-height: 1.05; letter-spacing: -.045em; font-variant-numeric: tabular-nums; }
.resultat-chiffre .devise { font-size: 1rem; font-weight: 600; letter-spacing: 0; color: var(--or); order: -1; align-self: flex-start; margin-top: .55em; }
.resultat-chiffre .devise-apres { order: 1; align-self: baseline; margin-top: 0; color: var(--gris); font-weight: 500; }
.resultat-chiffre.sans-devise .devise { display: none; }
.resultat-phrase { margin-top: 6px; min-height: 1.5em; font-size: .8125rem; color: var(--gris); line-height: 1.5; }
.resultat-phrase.oui { color: var(--vert); }
.resultat-phrase.non { color: var(--rouge); }
.resultat-grille { margin-top: 16px; padding-top: 14px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 12px var(--e4); border-top: 1px solid #e0e3e6; }
.resultat-grille dt { font-size: .75rem; color: var(--pale); line-height: 1.35; }
.resultat-grille dd { margin-top: 3px; font-size: .9375rem; font-weight: 600; font-variant-numeric: tabular-nums; }
.outil-cta { width: 100%; margin-top: 18px; min-height: 50px; }
.outil-note { margin-top: 12px; font-size: .75rem; color: var(--pale); line-height: 1.5; text-align: center; text-wrap: balance; }
.jauge { margin-top: 14px; }
.jauge-titre { display: flex; justify-content: space-between; font-size: .75rem; color: var(--pale); }
.jauge-titre b { color: var(--ink); font-variant-numeric: tabular-nums; }
.jauge-piste { position: relative; height: 6px; margin-top: 8px; border-radius: 6px; background: #e3e6e9; }
.jauge-valeur { position: absolute; left: 0; top: 0; bottom: 0; width: 0; border-radius: 6px; background: var(--ink); transition: width .7s var(--sortie), background-color .3s; }
.jauge-piste.depasse .jauge-valeur { background: var(--rouge); }
.jauge-limite { position: absolute; top: -5px; bottom: -5px; width: 1.5px; background: var(--or); transition: left .7s var(--sortie); }
.jauge-limite em { position: absolute; bottom: calc(100% + 2px); left: 50%; transform: translateX(-50%); font-size: .75rem; color: var(--or-fonce); white-space: nowrap; }
.hypotheses { margin-top: 14px; font-size: .75rem; color: var(--gris); line-height: 1.55; }
.hypotheses summary { display: inline-flex; align-items: center; gap: 6px; min-height: 32px; cursor: pointer; color: var(--ink); font-weight: 500; list-style: none; }
.hypotheses summary::-webkit-details-marker { display: none; }
.hypotheses summary::after { content: ""; width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: rotate(45deg) translateY(-2px); transition: transform .25s; }
.hypotheses[open] summary::after { transform: rotate(-135deg) translateY(-2px); }
.hypotheses p { margin-top: 4px; }
.questions { gap: 12px; }
.question { display: block; }
.question::after { content: ""; display: block; clear: both; }
.question legend { float: left; width: 7.5em; font-size: .8125rem; color: var(--gris); padding-top: 8px; }
.question label { display: inline-block; position: relative; cursor: pointer; margin: 0 4px 4px 0; }
.question span { display: inline-flex; align-items: center; min-height: 34px; padding: 0 12px; border: 1px solid var(--filet-fort); border-radius: 3px; font-size: .8125rem; transition: background-color .2s, color .2s, border-color .2s; }
.question label:hover span { border-color: var(--ink); }
.question input:checked + span { background: var(--ink); border-color: var(--ink); color: #fff; }
.points { margin-top: 12px; border-top: 1px solid #e0e3e6; counter-reset: point; }
.points li { counter-increment: point; display: grid; grid-template-columns: 26px minmax(0, 1fr); padding: 10px 0; border-bottom: 1px solid #e0e3e6; animation: point .45s var(--sortie) both; }
.points li:last-child { border-bottom: 0; padding-bottom: 0; }
.points li::before { content: counter(point, decimal-leading-zero); grid-row: span 2; font-size: .75rem; font-weight: 600; color: var(--or); padding-top: 2px; }
.points b { font-size: .875rem; font-weight: 600; }
.points span { font-size: .8125rem; color: var(--gris); line-height: 1.45; }
@keyframes point { from { opacity: 0; transform: translateY(6px); } }

/* ---------- apparitions ---------- */
.mot { display: inline-block; }
.mot > span { display: inline-block; }
.anim [data-mots] .mot > span { opacity: 0; transform: translateY(.3em); filter: blur(6px); }
.anim [data-mots].vu .mot > span { opacity: 1; transform: none; filter: blur(0); transition: opacity .9s var(--sortie), transform 1s var(--sortie), filter .9s var(--sortie); }
.anim [data-r="monte"] { opacity: 0; transform: translateY(22px); }
.anim [data-r="carte"] { opacity: 0; transform: translateY(36px) scale(.985); }
.anim [data-r="cascade"] > * { opacity: 0; transform: translateY(20px); }
.anim [data-r="monte"].vu, .anim [data-r="carte"].vu, .anim [data-r="cascade"].vu > * { opacity: 1; transform: none; transition: opacity .9s var(--sortie), transform 1s var(--sortie); }
.anim [data-r="carte"].vu { transition-delay: .25s; }
.anim [data-r].vu > :nth-child(2) { transition-delay: .08s; }
.anim [data-r].vu > :nth-child(3) { transition-delay: .16s; }
.anim [data-r].vu > :nth-child(4) { transition-delay: .24s; }
.anim [data-r].vu > :nth-child(5) { transition-delay: .32s; }
/* si le script du site ne démarre pas (il pose la classe « vit »), tout finit par s'afficher */
.anim:not(.vit) [data-r], .anim:not(.vit) [data-r] > *, .anim:not(.vit) [data-mots] .mot > span,
.anim:not(.vit) .signature .pc, .anim:not(.vit) .signature img { animation: secours 0s 3s forwards; }
@keyframes secours { to { opacity: 1; transform: none; filter: none; } }

/* ---------- nos assurances ---------- */
.assurances { padding-block: var(--section); }
.domaines { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.domaine { position: relative; display: flex; flex-direction: column; gap: var(--e3); min-width: 0; padding: var(--e7) var(--e5) var(--e2) 0; }
.domaine + .domaine { padding-left: var(--e5); border-left: 1px solid var(--filet); }
.domaine::before { content: ""; position: absolute; left: 0; right: 0; top: -1px; height: 2px; background: var(--or); transform: scaleX(0); transform-origin: 0 50%; transition: transform .6s var(--sortie); }
.domaine:hover::before { transform: scaleX(1); }
.domaine-n { font-size: .8125rem; font-weight: 600; color: var(--or); }
.domaine h3 { margin-top: var(--e2); font-size: 1.625rem; font-weight: 600; letter-spacing: -.03em; line-height: 1.1; }
.domaine-branche { margin-top: -6px; font-size: .8125rem; color: var(--pale); }
.domaine p:not(.domaine-branche) { font-size: .9375rem; line-height: 1.6; color: var(--gris); }
.domaine ul { display: grid; gap: 6px; margin-top: var(--e1); padding-top: var(--e3); border-top: 1px solid var(--filet); }
.domaine li { position: relative; padding-left: 16px; font-size: .875rem; line-height: 1.45; }
.domaine li::before { content: ""; position: absolute; left: 0; top: .6em; width: 6px; height: 6px; background: var(--acier); }
.domaine .lien { align-self: flex-start; margin-top: auto; padding-top: var(--e3); font-size: .875rem; background-position: 0 100%; }

/* ---------- la méthode ---------- */
.methode { padding-block: var(--section); background: var(--fond); border-block: 1px solid var(--filet); }
.methode-grille { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: var(--e8); align-items: start; }
.methode .section-tete { position: sticky; top: calc(var(--tete) + var(--e6)); }
.etapes { display: grid; gap: 0; }
.etapes li { display: grid; grid-template-columns: 96px minmax(0, 1fr); gap: var(--e4); padding: var(--e6) 0; border-top: 1px solid var(--filet-fort); }
.etapes li:last-child { border-bottom: 1px solid var(--filet-fort); }
.etape-n { font-size: 3rem; font-weight: 500; line-height: 1; letter-spacing: -.05em; color: var(--acier); font-variant-numeric: tabular-nums; }
.etapes h3 { font-size: 1.375rem; font-weight: 600; letter-spacing: -.025em; }
.etapes p { margin-top: var(--e2); color: var(--gris); max-width: 32em; }

/* ---------- l'indépendance et le registre ---------- */
.independance { padding-block: var(--section); }
.independance-grille { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: var(--e8); align-items: start; }
.independance-texte { min-width: 0; }
.comparatif { margin-top: var(--e6); border-top: 1px solid var(--ink); }
.comparatif-ligne { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) minmax(0, 1fr); border-bottom: 1px solid var(--filet); }
.comparatif-ligne > span { padding: var(--e4) var(--e3) var(--e4) 0; font-size: .9375rem; min-width: 0; }
.comparatif-ligne > span:first-child { font-size: .8125rem; color: var(--pale); }
.comparatif-ligne > span:nth-child(2) { color: var(--pale); }
.comparatif-ligne > span:nth-child(3) { font-weight: 600; }
.comparatif-entete > span { font-size: .8125rem !important; font-weight: 500; color: var(--gris) !important; }
.comparatif-entete > span:nth-child(3) { color: var(--or-fonce) !important; }
.fiche { min-width: 0; background: var(--blanc); border: 1px solid #e0e3e6; border-radius: 6px; box-shadow: var(--ombre); padding: clamp(24px, 3vw, 36px); }
.fiche-source { font-size: .75rem; color: var(--pale); }
.fiche-numero { margin-top: 6px; font-size: clamp(2.25rem, 3.6vw, 3rem); font-weight: 500; letter-spacing: -.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.fiche-tete { padding-bottom: var(--e4); border-bottom: 1px solid var(--ink); }
.fiche-lignes > div { display: grid; grid-template-columns: minmax(0, 9.5em) minmax(0, 1fr); gap: var(--e3); padding: var(--e3) 0; border-bottom: 1px solid var(--filet); font-size: .875rem; }
.fiche-lignes dt { color: var(--pale); }
.fiche-lignes dd { min-width: 0; font-weight: 500; }
.fiche-pied { margin-top: var(--e4); display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--e2) var(--e4); font-size: .75rem; color: var(--pale); }
.fiche-pied .lien { font-size: .8125rem; }

/* ---------- les compagnies avec lesquelles nous travaillons : une grille de logos, comme un registre ----------
   Huit compagnies : deux rangées de quatre (ordinateur, tablette), quatre rangées de deux (téléphone).
   Leurs logos officiels, passés dans les gris du site (anthracite, et gris acier pour la couleur secondaire), à
   hauteur optique réglée logo par logo (--h) pour qu'aucun ne paraisse plus gros. Quand la liste apparaît, un trait
   d'or court se dessine sur le filet du haut, au-dessus de chaque logo, l'un après l'autre (repère, pas un lien). */
.compagnies { margin-top: var(--e9); }
.compagnies-tete { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--e6); align-items: end; padding-bottom: var(--e5); border-bottom: 1px solid var(--ink); }
.compagnies-titre { font-size: clamp(1.5rem, 2.4vw, 2.125rem); font-weight: 500; line-height: 1.1; letter-spacing: -.035em; text-wrap: balance; }
.compagnies-chapo { justify-self: end; max-width: 30em; font-size: .9375rem; line-height: 1.6; color: var(--gris); }
.compagnies-liste { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.compagnies-liste li {
  position: relative; display: flex; align-items: center; min-width: 0; min-height: 132px; padding: var(--e5) var(--e4) var(--e5) 0;
  font-size: clamp(1.25rem, 1.9vw, 1.75rem); font-weight: 600; line-height: 1.1; letter-spacing: -.035em; color: var(--ink);
  border-bottom: 1px solid var(--filet); text-wrap: balance;
}
.compagnies-liste li + li { padding-left: var(--e5); border-left: 1px solid var(--filet); }
.compagnies-liste li::before { content: ""; position: absolute; top: -1px; left: 0; width: 40px; height: 2px; background: var(--or); }
.compagnies-liste li + li::before { left: var(--e5); }
.compagnies-liste li:nth-child(4n+1) { padding-left: 0; border-left: 0; }
.compagnies-liste li:nth-child(4n+1)::before { left: 0; }
.compagnies-liste { --k: 1; }
.compagnies-liste img { display: block; width: auto; height: calc(var(--h, 30px) * var(--k)); max-width: 100%; }
.cie-axa { --h: 46px; }
.cie-generali { --h: 26px; }
.cie-groupe-mutuel { --h: 33px; }
.cie-helvetia { --h: 30px; }
.cie-mobiliere { --h: 28px; }
.cie-pax { --h: 28px; }
.cie-vaudoise { --h: 34px; }
.cie-zurich { --h: 32px; }
.anim .compagnies-liste.vu > :nth-child(6) { transition-delay: .40s; }
.anim .compagnies-liste.vu > :nth-child(7) { transition-delay: .48s; }
.anim .compagnies-liste.vu > :nth-child(8) { transition-delay: .56s; }
.anim.vit .compagnies-liste li::before { width: 0; }
.anim.vit .compagnies-liste.vu li::before { width: 40px; transition: width 1s var(--sortie) .45s; }
.anim.vit .compagnies-liste.vu li:nth-child(2)::before { transition-delay: .52s; }
.anim.vit .compagnies-liste.vu li:nth-child(3)::before { transition-delay: .59s; }
.anim.vit .compagnies-liste.vu li:nth-child(4)::before { transition-delay: .66s; }
.anim.vit .compagnies-liste.vu li:nth-child(5)::before { transition-delay: .73s; }
.anim.vit .compagnies-liste.vu li:nth-child(6)::before { transition-delay: .80s; }
.anim.vit .compagnies-liste.vu li:nth-child(7)::before { transition-delay: .87s; }
.anim.vit .compagnies-liste.vu li:nth-child(8)::before { transition-delay: .94s; }

/* ---------- les questions ---------- */
.faq { padding-block: var(--section); background: var(--fond); border-block: 1px solid var(--filet); }
.faq-grille { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: var(--e8); align-items: start; }
.faq-liste { border-top: 1px solid var(--ink); }
.faq-item { border-bottom: 1px solid var(--filet-fort); }
.faq-item summary { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: var(--e4); min-height: 72px; padding: var(--e4) 0; cursor: pointer; list-style: none; font-size: 1.125rem; font-weight: 500; letter-spacing: -.015em; line-height: 1.35; }
.faq-item summary::-webkit-details-marker { display: none; }
.plus { position: relative; width: 32px; height: 32px; border: 1px solid var(--filet-fort); border-radius: 50%; flex: none; background: var(--blanc); transition: background-color .3s, border-color .3s, color .3s; }
.plus::before, .plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 10px; height: 1.5px; margin: -.75px 0 0 -5px; background: currentColor; }
.plus::after { transform: rotate(90deg); transition: transform .4s var(--sortie); }
.faq-item[open] .plus { background: var(--ink); border-color: var(--ink); color: #fff; }
.faq-item[open] .plus::after { transform: rotate(0deg); }
.faq-reponse { overflow: hidden; }
.faq-reponse p { padding: 0 var(--e7) var(--e5) 0; color: var(--gris); max-width: 40em; }

/* ---------- le contact ---------- */
.contact { padding-block: var(--section); }
.contact-grille { margin-top: var(--e7); display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: var(--e8); align-items: start; }
.formulaire { display: grid; gap: var(--e5); min-width: 0; }
.champ { display: grid; gap: 6px; min-width: 0; }
.champ-duo { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--e5); }
.champ label, .puces legend { font-size: .8125rem; font-weight: 500; color: var(--gris); }
.champ label small { font-size: inherit; font-weight: 400; color: var(--pale); }
.champ input, .champ textarea { width: 100%; min-height: 50px; padding: var(--e3) 14px; background: var(--blanc); border: 1px solid var(--filet-fort); border-radius: 3px; font-size: 1rem; transition: border-color .2s, box-shadow .2s; }
.champ textarea { resize: vertical; min-height: 120px; line-height: 1.5; }
.champ input:focus, .champ textarea:focus { outline: none; border-color: var(--ink); box-shadow: 0 0 0 3px rgba(21, 23, 26, .08); }
.champ input[aria-invalid="true"] { border-color: var(--rouge); }
.puces { display: flex; flex-wrap: wrap; gap: var(--e2); }
.puces legend { width: 100%; margin-bottom: var(--e2); }
.puces label { position: relative; cursor: pointer; }
.puces span { display: inline-flex; align-items: center; min-height: 42px; padding: 0 var(--e4); border: 1px solid var(--filet-fort); border-radius: 3px; font-size: .875rem; transition: background-color .2s, color .2s, border-color .2s; }
.puces label:hover span { border-color: var(--ink); }
.puces input:checked + span { background: var(--ink); color: #fff; border-color: var(--ink); }
.formulaire-actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--e3) var(--e4); }
.formulaire-note { font-size: .8125rem; color: var(--pale); }
.formulaire-note.ok { color: var(--vert); }
.coordonnees { min-width: 0; background: var(--fond); border: 1px solid var(--filet); border-radius: 6px; padding: clamp(22px, 2.6vw, 32px); }
.coord-personne { display: flex; align-items: center; gap: var(--e4); padding-bottom: var(--e5); border-bottom: 1px solid var(--filet-fort); }
.coord-personne img { width: 64px; height: 64px; flex: none; border-radius: 50%; object-fit: cover; object-position: 50% 14%; filter: grayscale(1); }
.coord-personne p { display: grid; font-size: .8125rem; color: var(--pale); }
.coord-personne b { font-size: 1rem; color: var(--ink); }
.coordonnees dl > div { padding: var(--e4) 0; border-bottom: 1px solid var(--filet); }
.coordonnees dl > div:last-child { border-bottom: 0; padding-bottom: 0; }
.coordonnees dt { font-size: .75rem; color: var(--pale); }
.coordonnees dd { margin-top: 3px; font-size: .9375rem; overflow-wrap: anywhere; }

/* ---------- pied de page : le logo signe la page, son emblème se monte bloc par bloc ---------- */
.pied { padding-bottom: var(--e6); border-top: 1px solid var(--filet); }
.signature { position: relative; width: min(100%, 560px); margin-block: var(--e8) var(--e7); }
.signature img { width: 100%; }
.signature-emb { position: absolute; left: 3.291%; top: 8.884%; width: 23.756%; height: 61.157%; overflow: visible; }
.anim .signature img { opacity: 0; }
.anim .signature.vu img { opacity: 1; transition: opacity 1.1s .9s; }
.anim .signature .pc { opacity: 0; transform: translateY(-64px); }
.anim .signature.vu .pc { opacity: 1; transform: none; transition: transform 1.1s var(--sortie), opacity .6s; }
.anim .signature.vu .pc:nth-child(6) { transition-delay: .05s; }
.anim .signature.vu .pc:nth-child(5) { transition-delay: .15s; }
.anim .signature.vu .pc:nth-child(4) { transition-delay: .25s; }
.anim .signature.vu .pc:nth-child(3) { transition-delay: .35s; }
.anim .signature.vu .pc:nth-child(2) { transition-delay: .45s; }
.anim .signature.vu .pc:nth-child(1) { transition-delay: .55s; }
.anim .signature-emb.assemble .pc { transition: none; }
.pied-grille { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) minmax(0, 1fr); gap: var(--e5); padding-top: var(--e5); border-top: 1px solid var(--filet); font-size: .875rem; color: var(--gris); }
.pied-liens { display: grid; justify-items: start; }
.pied-liens a { display: inline-flex; align-items: center; min-height: 40px; color: var(--ink); }
.pied-liens a:hover { color: var(--or-fonce); }
.pied-bas { margin-top: var(--e5); font-size: .75rem; color: var(--pale); }

/* ---------- WhatsApp : bouton flottant, hors de l'accueil et du contact ---------- */
.wa-flottant {
  position: fixed; z-index: 90; right: max(var(--e4), env(safe-area-inset-right)); bottom: max(var(--e4), env(safe-area-inset-bottom));
  display: inline-flex; align-items: center; gap: var(--e2); min-height: 50px; padding: 0 20px 0 16px; border-radius: 999px;
  background: var(--ink); color: #fff; font-size: .875rem; font-weight: 500; box-shadow: 0 18px 36px -18px rgba(21, 23, 26, .6);
  transition: transform .45s var(--sortie), opacity .35s, background-color .25s;
}
.wa-flottant:hover, .wa-flottant:focus-visible { background: #2d3136; }
.wa-cache .wa-flottant, .menu-ouvert .wa-flottant, .charge .wa-flottant { opacity: 0; transform: translateY(14px); pointer-events: none; }

/* ---------- pages intérieures ---------- */
.lien-trace { font-size: .875rem; font-weight: 500; background: linear-gradient(currentColor, currentColor) 0 100% / 100% 1px no-repeat; }
.repere { font-size: .8125rem; color: var(--gris); }
.page { padding-top: calc(var(--tete) + var(--e8)); padding-bottom: var(--section); }
.page h1 { margin-top: var(--e4); font-size: clamp(2.5rem, 5vw, 4rem); font-weight: 500; letter-spacing: -.045em; line-height: 1; }
.page-corps { margin-top: var(--e7); max-width: 46em; display: grid; gap: var(--e4); }
.page-corps h2 { margin-top: var(--e5); font-size: 1.375rem; font-weight: 600; letter-spacing: -.02em; }
.page-corps p, .page-corps li { color: var(--gris); }
.page-corps ul { display: grid; gap: var(--e2); }
.page-corps ul li { position: relative; padding-left: 18px; }
.page-corps ul li::before { content: ""; position: absolute; left: 0; top: .65em; width: 6px; height: 6px; background: var(--acier); }
.page-corps a:not(.bouton) { color: var(--ink); text-decoration: underline; text-decoration-color: var(--or); text-underline-offset: 3px; }
.page-404 { min-height: 100svh; display: grid; place-content: center; text-align: center; gap: var(--e5); padding: var(--gouttiere); }
.page-404 .embleme { width: 80px; margin-inline: auto; }
.page-404 h1 { font-size: clamp(2.75rem, 8vw, 5rem); font-weight: 500; letter-spacing: -.05em; line-height: 1; }
.page-404 p { color: var(--gris); }
.page-404 .bouton { justify-self: center; }

/* ---------- tablette et téléphone ---------- */
@media (max-width: 1099px) {
  .heros-grille { grid-template-columns: minmax(0, 1fr); }
  .outil { max-width: 640px; }
  .domaines { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .domaine:nth-child(3) { padding-left: 0; border-left: 0; }
  .domaine:nth-child(n+3) { border-top: 1px solid var(--filet); }
  .methode-grille, .independance-grille, .faq-grille, .contact-grille { grid-template-columns: minmax(0, 1fr); gap: var(--e7); }
  .methode .section-tete { position: static; }
  .compagnies { margin-top: var(--e8); }
  .compagnies-liste { --k: .86; }
  .compagnies-liste li { min-height: 112px; }
}
@media (max-width: 699px) {
  :root { --tete: 64px; }
  .tete-logo img { height: 26px; }
  .heros-chapo { font-size: 1.0625rem; }
  .heros-actions .bouton { flex: 1 1 100%; }
  .conseiller { margin-top: var(--e6); }
  .onglets { padding: 0 18px; gap: var(--e4); }
  .panneau { padding: 20px 18px 22px; }
  .resultat { padding: 18px 16px; }
  .question legend { float: none; width: auto; padding-top: 0; margin-bottom: 6px; }
  .section-tete-ligne { grid-template-columns: minmax(0, 1fr); gap: var(--e4); }
  .section-tete-ligne .section-chapo { justify-self: start; }
  .domaines { grid-template-columns: minmax(0, 1fr); }
  .domaine, .domaine + .domaine, .domaine:nth-child(3) { padding: var(--e6) 0 var(--e5); border-left: 0; border-top: 1px solid var(--filet); }
  .domaine:first-child { border-top: 0; }
  .etapes li { grid-template-columns: 64px minmax(0, 1fr); }
  .etape-n { font-size: 2.25rem; }
  .comparatif-ligne > span { font-size: .875rem; }
  .fiche-lignes > div { grid-template-columns: minmax(0, 1fr); gap: 2px; }
  .compagnies { margin-top: var(--e7); }
  .compagnies-tete { grid-template-columns: minmax(0, 1fr); gap: var(--e3); }
  .compagnies-chapo { justify-self: start; }
  .compagnies-liste { grid-template-columns: repeat(2, minmax(0, 1fr)); --k: .76; }
  .compagnies-liste li, .compagnies-liste li + li, .compagnies-liste li:nth-child(4n+1) { min-height: 92px; padding: var(--e4) var(--e3) var(--e4) var(--e4); border-left: 1px solid var(--filet); font-size: 1.25rem; }
  .compagnies-liste li:nth-child(odd) { padding-left: 0; border-left: 0; }
  .compagnies-liste li::before, .compagnies-liste li + li::before, .compagnies-liste li:nth-child(4n+1)::before { left: var(--e4); }
  .compagnies-liste li:nth-child(odd)::before { left: 0; }
  .compagnies-liste li:last-child:nth-child(odd) { grid-column: 1 / -1; }
  .faq-item summary { font-size: 1rem; }
  .faq-reponse p { padding-right: 0; }
  .champ-duo { grid-template-columns: minmax(0, 1fr); }
  .formulaire-actions .bouton { flex: 1 1 100%; }
  .formulaire-actions .lien-bouton { margin-inline: auto; }
  .pied-grille { grid-template-columns: minmax(0, 1fr); }
  .wa-flottant { width: 50px; padding: 0; justify-content: center; }
  .wa-flottant span { display: none; }
}

/* ---------- mouvement réduit et mode figé : tout est là, rien ne bouge ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}
.fige *, .fige *::before, .fige *::after { animation: none !important; transition: none !important; }