:root{--encre:#0F2A43;--sarcelle:#0F7C7A;--laiton:#B88A3E;--brume:#EEF3F5;--ardoise:#4A5B6C;--r:10px}
*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth}
body{font:17px/1.65 "Source Sans 3",system-ui,sans-serif;color:var(--encre);background:#fff}
h1,h2,h3{font-family:"Bricolage Grotesque","Source Sans 3",sans-serif;line-height:1.12;letter-spacing:-.02em}
h1{font-size:clamp(2.3rem,5.5vw,4rem)}h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:.6em}h3{font-size:1.25rem;margin-bottom:.4em}
a{color:var(--sarcelle)}img{max-width:100%;display:block}
.wrap{width:min(1140px,92%);margin:auto}section{padding:88px 0}.alt{background:var(--brume)}
.lead{font-size:1.2rem;color:var(--ardoise);max-width:58ch}
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid #dde5ea}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--encre);font:700 1.05rem "Bricolage Grotesque",sans-serif;letter-spacing:.01em}
.brand img{height:42px;width:auto}.brand small{display:block;font:500 .72rem "Source Sans 3";color:var(--ardoise)}
.menu{display:flex;gap:28px;align-items:center}.menu a{text-decoration:none;color:var(--encre);font-weight:600;font-size:.97rem;padding:6px 0;border-bottom:2px solid transparent}
.menu a:hover,.menu a.on{border-color:var(--laiton)}
.burger{display:none;background:none;border:0;font-size:1.9rem;color:var(--encre);cursor:pointer}
.btn{display:inline-block;background:var(--sarcelle);color:#fff!important;padding:14px 28px;border-radius:var(--r);font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .2s,background .2s}
.btn:hover{background:var(--encre);transform:translateY(-2px)}.btn.ghost{background:transparent;color:var(--encre)!important;box-shadow:inset 0 0 0 2px var(--encre)}.btn.ghost:hover{background:var(--encre);color:#fff!important}
.menu .btn{padding:10px 20px;border:0}
.hero{padding:70px 0 90px;background:linear-gradient(180deg,var(--brume),#fff)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1{margin-bottom:22px}.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.photo{border-radius:var(--r);overflow:hidden;background:linear-gradient(135deg,var(--encre),var(--sarcelle));min-height:300px;position:relative}
.photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.hero .photo{aspect-ratio:4/5}
.taux{position:absolute;left:-26px;bottom:34px;background:var(--encre);color:#fff;padding:20px 26px;border-left:6px solid var(--laiton);border-radius:var(--r);z-index:2;box-shadow:0 18px 40px -16px rgba(15,42,67,.6)}
.taux b{display:block;font:800 3.2rem/1 "Bricolage Grotesque";letter-spacing:-.03em}.taux span{font-size:.88rem;opacity:.85}
.hero .pic{position:relative}
.reveal{animation:up .9s cubic-bezier(.2,.7,.2,1) both}.reveal.d1{animation-delay:.12s}.reveal.d2{animation-delay:.24s}
@keyframes up{from{opacity:0;transform:translateY(26px)}}
.io{opacity:0;transform:translateY(22px);transition:.7s}.io.in{opacity:1;transform:none}
.grid{display:grid;gap:28px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:1fr 1fr}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid #dde5ea;transition:transform .3s,box-shadow .3s}
.card:hover{transform:translateY(-6px);box-shadow:0 24px 40px -22px rgba(15,42,67,.4)}
.card .photo{min-height:190px;border-radius:0}.card .body{padding:26px}.card p{color:var(--ardoise)}
.chiffres{background:var(--encre);color:#fff;padding:56px 0}.chiffres .grid{text-align:center}
.chiffres b{display:block;font:800 2.6rem "Bricolage Grotesque";color:var(--laiton)}
.etapes{counter-reset:e;display:grid;padding:0}.etapes li{list-style:none;counter-increment:e;display:grid;grid-template-columns:64px 1fr;gap:20px;padding:24px 0;border-top:1px solid #cfd9df}
.etapes li:before{content:counter(e);font:800 2.4rem "Bricolage Grotesque";color:var(--sarcelle)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.split .photo{aspect-ratio:4/3}
.pagehead{background:var(--encre);color:#fff;padding:76px 0}.pagehead p{color:#c9d6e0;max-width:60ch;margin-top:14px;font-size:1.15rem}
form{display:grid;gap:18px}.row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{font-weight:600;font-size:.93rem;display:grid;gap:6px}
input,select,textarea{font:inherit;padding:13px 14px;border:1.5px solid #b9c7d1;border-radius:8px;background:#fff;color:var(--encre);width:100%}
input:focus,select:focus,textarea:focus,.btn:focus-visible,a:focus-visible{outline:3px solid var(--laiton);outline-offset:2px}
.box{background:#fff;padding:38px;border-radius:var(--r);border:1px solid #dde5ea;box-shadow:0 30px 50px -34px rgba(15,42,67,.4)}
.msg{padding:14px 16px;border-radius:8px;display:none;font-weight:600}.msg.ok{display:block;background:#e3f4ee;color:#0a5c3f}.msg.err{display:block;background:#fdeaea;color:#8a1f1f}
.calc{background:var(--encre);color:#fff;padding:30px;border-radius:var(--r);display:grid;gap:14px}.calc output{display:block;font:800 2.6rem "Bricolage Grotesque";color:var(--laiton)}
.calc input[type=range]{padding:0;accent-color:var(--laiton)}
footer{background:var(--encre);color:#c9d6e0;padding:64px 0 28px;font-size:.95rem}
footer .grid{grid-template-columns:1.4fr 1fr 1fr;margin-bottom:36px}footer a{color:#fff;text-decoration:none;display:block;padding:3px 0}footer h4{color:#fff;margin-bottom:10px}
footer .legal{border-top:1px solid #2b4560;padding-top:20px;font-size:.82rem}
@media(max-width:900px){.hero .wrap,.split,.g2,.g3,.g4,footer .grid,.row{grid-template-columns:1fr}.g4{grid-template-columns:1fr 1fr}
.burger{display:block}.menu{position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 5%;gap:14px;border-bottom:1px solid #dde5ea;display:none}.menu.open{display:flex}
section{padding:60px 0}.taux{left:12px}.split{gap:32px}.hero .photo{aspect-ratio:4/3}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.io{opacity:1;transform:none}}
.opts{list-style:none;padding:0;margin:14px 0 16px;display:flex;flex-wrap:wrap;gap:8px}.opts li{background:var(--brume);border-left:3px solid var(--laiton);padding:4px 11px;font-size:.88rem;border-radius:4px}.card .body>a{font-weight:700;text-decoration:none;border-bottom:2px solid var(--laiton)}