:root {
      --navy:   #0B1C3F;
      --blue:   #1457C8;
      --sky:    #3B8BEB;
      --accent: #F5A623;
      --green:  #1DB87A;
      --light:  #F4F7FC;
      --border: #D8E3F5;
      --text:   #1A2438;
      --muted:  #5A6880;
      --white:  #ffffff;
      --radius: 14px;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'DM Sans', sans-serif;
      color: var(--text);
      background: var(--white);
      font-size: 16px;
      line-height: 1.6;
    }

    h1, h2, h3, h4 { font-family: 'Syne', sans-serif; }

    /* ── NAV ── */
    nav {
      position: sticky; top: 0; z-index: 100;
      background: var(--white);
      border-bottom: 1px solid var(--border);
      padding: 0 5%;
      display: flex; align-items: center; justify-content: space-between;
      height: 64px;
    }
    .nav-logo { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.3rem; color: var(--navy); text-decoration: none; }
    .nav-logo span { color: var(--blue); }
    .nav-cta {
      background: var(--blue); color: var(--white);
      padding: 10px 22px; border-radius: 8px; font-weight: 500; font-size: .9rem;
      text-decoration: none; transition: background .2s;
    }
    .nav-cta:hover { background: var(--navy); }

    /* ── HERO ── */
    .top-section {
      background: linear-gradient(135deg, var(--navy) 0%, #162D5F 60%, #1E3D7A 100%);
      color: var(--white);
      padding: 80px 5% 60px;
      display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: start;
    }
    .top-section-badge {
      display: inline-block;
      background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25);
      border-radius: 100px; padding: 5px 16px; font-size: .8rem; letter-spacing: .05em;
      margin-bottom: 20px; color: #A8C6F5;
    }
    .top-section h1 {
      font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; line-height: 1.15;
      margin-bottom: 20px;
    }
    .top-section h1 em { color: var(--accent); font-style: normal; }
    .top-section-sub { font-size: 1.05rem; color: #B8CCEE; max-width: 520px; margin-bottom: 32px; }
    .top-section-stats { display: flex; gap: 28px; flex-wrap: wrap; }
    .stat { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); border-radius: 12px; padding: 16px 20px; }
    .stat-num { font-family: 'Syne', sans-serif; font-size: 1.6rem; font-weight: 800; color: var(--accent); }
    .stat-label { font-size: .78rem; color: #A8C6F5; margin-top: 2px; }

    /* ── HERO FORM CARD ── */
    .top-section-form {
      background: var(--white);
      border-radius: 18px;
      padding: 32px 28px;
      box-shadow: 0 24px 60px rgba(0,0,0,.35);
    }
    .form-title { font-family: 'Syne', sans-serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
    .form-sub { font-size: .85rem; color: var(--muted); margin-bottom: 22px; }
    .form-group { margin-bottom: 14px; }
    .form-group label { display: block; font-size: .82rem; font-weight: 500; color: var(--text); margin-bottom: 5px; }
    .form-group input, .form-group select {
      width: 100%; padding: 11px 14px;
      border: 1.5px solid var(--border); border-radius: 9px;
      font-family: 'DM Sans', sans-serif; font-size: .9rem; color: var(--text);
      background: var(--light); transition: border-color .2s;
      appearance: none;
    }
    .form-group input:focus, .form-group select:focus { outline: none; border-color: var(--blue); background: var(--white); }
    .btn-primary {
      width: 100%; padding: 14px;
      background: var(--blue); color: var(--white);
      border: none; border-radius: 10px;
      font-family: 'Syne', sans-serif; font-size: 1rem; font-weight: 700;
      cursor: pointer; transition: background .2s, transform .1s;
      margin-top: 6px;
    }
    .btn-primary:hover { background: #0F45A8; }
    .btn-primary:active { transform: scale(.98); }
    .form-trust { display: flex; align-items: center; gap: 6px; font-size: .75rem; color: var(--muted); margin-top: 10px; justify-content: center; }
    .form-trust svg { color: var(--green); }

    /* ── SUCCESS ── */
    #form-success {
      display: none; text-align: center; padding: 20px;
    }
    #form-success .success-icon { font-size: 3rem; }
    #form-success h3 { font-family: 'Syne', sans-serif; color: var(--navy); margin: 12px 0 8px; }
    #form-success p { font-size: .9rem; color: var(--muted); }

    /* ── SECTIONS ── */
    section { padding: 80px 5%; }
    .section-label { font-size: .75rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); margin-bottom: 10px; }
    .section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; color: var(--navy); line-height: 1.2; margin-bottom: 16px; }
    .section-sub { font-size: 1rem; color: var(--muted); max-width: 620px; }

    /* ── ALERT BAND ── */
    .alert-band {
      background: #FFF8EC; border-left: 5px solid var(--accent);
      padding: 20px 28px; border-radius: 12px;
      display: flex; gap: 16px; align-items: flex-start;
      margin: 0 5% 0;
    }
    .alert-band .icon { font-size: 1.8rem; flex-shrink: 0; }
    .alert-band strong { color: var(--navy); }

    /* ── QUICK ANSWER (les 3 questions clés) ── */
    .quick-section { background: var(--light); }
    .quick-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
    .quick-card {
      background: var(--white); border-radius: var(--radius);
      border: 1.5px solid var(--border); padding: 28px 24px;
      position: relative; transition: box-shadow .2s, border-color .2s;
    }
    .quick-card:hover { box-shadow: 0 8px 28px rgba(20,87,200,.1); border-color: var(--sky); }
    .quick-num {
      font-family: 'Syne', sans-serif; font-size: 2.5rem; font-weight: 800;
      color: var(--border); position: absolute; top: 20px; right: 22px; line-height: 1;
    }
    .quick-q { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem; color: var(--navy); margin-bottom: 10px; }
    .quick-a { font-size: .9rem; color: var(--muted); }
    .quick-a strong { color: var(--navy); }

    /* ── LEGAL SECTION ── */
    .bareme-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 40px; }
    .bareme-box {
      border-radius: var(--radius); padding: 28px;
    }
    .bareme-box.legal { background: #EFF5FF; border: 1.5px solid #C5D9F8; }
    .bareme-box.cc { background: #FFF3E0; border: 1.5px solid #FFD49A; }
    .bareme-box h4 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem; margin-bottom: 14px; }
    .bareme-box.legal h4 { color: var(--blue); }
    .bareme-box.cc h4 { color: #C06000; }
    .bareme-item { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; border-bottom: 1px solid rgba(0,0,0,.07); font-size: .9rem; }
    .bareme-item:last-child { border-bottom: none; }
    .bareme-val { font-weight: 600; color: var(--navy); }

    /* ── CAS PRATIQUES ── */
    .cas-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 44px; }
    .cas-card {
      background: var(--white); border-radius: var(--radius);
      border: 1.5px solid var(--border); overflow: hidden;
    }
    .cas-header { background: var(--navy); color: var(--white); padding: 20px 24px; }
    .cas-header .cas-name { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1.05rem; }
    .cas-header .cas-sub { font-size: .82rem; color: #A8C6F5; margin-top: 4px; }
    .cas-body { padding: 22px 24px; }
    .cas-row { display: flex; justify-content: space-between; padding: 7px 0; font-size: .88rem; border-bottom: 1px solid var(--border); }
    .cas-row:last-child { border-bottom: none; }
    .cas-total {
      background: #EFF5FF; border-radius: 10px; padding: 14px 18px;
      margin-top: 14px; display: flex; justify-content: space-between; align-items: center;
    }
    .cas-total-label { font-weight: 600; font-size: .9rem; color: var(--navy); }
    .cas-total-val { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.3rem; color: var(--blue); }

    /* ── SOLUTION SECTION ── */
    .solution-section { background: var(--navy); color: var(--white); }
    .solution-section .section-title { color: var(--white); }
    .solution-section .section-sub { color: #A8C6F5; }
    .avantages-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px; }
    .av-card {
      background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
      border-radius: var(--radius); padding: 24px 20px;
      transition: background .2s;
    }
    .av-card:hover { background: rgba(255,255,255,.1); }
    .av-icon { font-size: 2rem; margin-bottom: 14px; }
    .av-title { font-family: 'Syne', sans-serif; font-weight: 700; margin-bottom: 8px; font-size: .95rem; }
    .av-desc { font-size: .83rem; color: #A8C6F5; line-height: 1.5; }

    /* ── COMPARATIF ── */
    .comparatif-section { background: var(--light); }
    .table-wrap { margin-top: 40px; border-radius: var(--radius); overflow: hidden; border: 1.5px solid var(--border); }
    table { width: 100%; border-collapse: collapse; background: var(--white); }
    thead tr { background: var(--navy); color: var(--white); }
    th { padding: 14px 20px; font-family: 'Syne', sans-serif; font-weight: 700; font-size: .88rem; text-align: left; }
    td { padding: 13px 20px; font-size: .88rem; border-bottom: 1px solid var(--border); color: var(--text); }
    tbody tr:last-child td { border-bottom: none; }
    tbody tr:nth-child(even) { background: #F9FBFF; }
    td.good { color: var(--green); font-weight: 600; }
    td.bad { color: #D93025; font-weight: 600; }

    /* ── PROCESSUS ── */
    .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 48px; position: relative; }
    .steps::before {
      content: ''; position: absolute; top: 32px; left: 8%; right: 8%;
      height: 2px; background: var(--border); z-index: 0;
    }
    .step { text-align: center; padding: 0 16px; position: relative; z-index: 1; }
    .step-num {
      width: 64px; height: 64px; border-radius: 50%;
      background: var(--blue); color: var(--white);
      font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.3rem;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 16px;
      border: 4px solid var(--white);
      box-shadow: 0 0 0 2px var(--blue);
    }
    .step h4 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: .95rem; color: var(--navy); margin-bottom: 8px; }
    .step p { font-size: .82rem; color: var(--muted); }

    /* ── SECTEURS ── */
    .secteurs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }
    .secteur-card {
      border-radius: var(--radius); padding: 24px;
      background: var(--white); border: 1.5px solid var(--border);
      display: flex; gap: 16px; align-items: flex-start;
    }
    .secteur-icon { font-size: 2rem; flex-shrink: 0; }
    .secteur-card h4 { font-family: 'Syne', sans-serif; font-weight: 700; color: var(--navy); margin-bottom: 6px; font-size: .95rem; }
    .secteur-card p { font-size: .83rem; color: var(--muted); }
    .secteur-card .tag { display: inline-block; background: #FFF3E0; color: #C06000; font-size: .72rem; font-weight: 600; padding: 2px 8px; border-radius: 100px; margin-top: 8px; }

    /* ── FAQ ── */
    .faq-list { margin-top: 44px; max-width: 820px; }
    .faq-item { border-bottom: 1px solid var(--border); }
    .faq-q {
      display: flex; justify-content: space-between; align-items: center;
      padding: 18px 0; cursor: pointer;
      font-family: 'Syne', sans-serif; font-weight: 600; font-size: .97rem; color: var(--navy);
      gap: 12px;
    }
    .faq-q:hover { color: var(--blue); }
    .faq-q .faq-arrow { font-size: 1.2rem; color: var(--blue); transition: transform .25s; flex-shrink: 0; }
    .faq-a {
      max-height: 0; overflow: hidden;
      transition: max-height .3s ease, padding .3s;
      font-size: .9rem; color: var(--muted); line-height: 1.7;
    }
    .faq-item.open .faq-a { max-height: 300px; padding-bottom: 18px; }
    .faq-item.open .faq-arrow { transform: rotate(180deg); }

    /* ── CTA BOTTOM ── */
    .cta-bottom {
      background: linear-gradient(135deg, var(--blue) 0%, #0F3D8A 100%);
      color: var(--white); text-align: center; padding: 80px 5%;
    }
    .cta-bottom h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 800; margin-bottom: 14px; }
    .cta-bottom p { font-size: 1rem; color: #B8CCEE; max-width: 560px; margin: 0 auto 36px; }
    .cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
    .btn-white {
      background: var(--white); color: var(--blue);
      padding: 14px 32px; border-radius: 10px;
      font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1rem;
      text-decoration: none; transition: box-shadow .2s;
    }
    .btn-white:hover { box-shadow: 0 6px 24px rgba(0,0,0,.25); }
    .btn-ghost {
      border: 2px solid rgba(255,255,255,.4); color: var(--white);
      padding: 14px 32px; border-radius: 10px;
      font-family: 'Syne', sans-serif; font-weight: 600; font-size: 1rem;
      text-decoration: none; transition: border-color .2s;
    }
    .btn-ghost:hover { border-color: rgba(255,255,255,.9); }

    /* ── FOOTER ── */
    footer {
      background: var(--navy); color: #7090B8;
      padding: 40px 5%; text-align: center; font-size: .82rem; line-height: 1.8;
    }
    footer strong { color: var(--white); font-family: 'Syne', sans-serif; }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .top-section { grid-template-columns: 1fr; }
      .top-section-form { max-width: 500px; }
      .avantages-grid { grid-template-columns: 1fr 1fr; }
      .quick-grid { grid-template-columns: 1fr 1fr; }
      .steps { grid-template-columns: 1fr 1fr; }
      .steps::before { display: none; }
    }
    @media (max-width: 700px) {
      .bareme-grid, .cas-grid, .secteurs-grid, .quick-grid { grid-template-columns: 1fr; }
      .avantages-grid { grid-template-columns: 1fr; }
      .steps { grid-template-columns: 1fr; }
      nav .nav-cta { display: none; }
    }

    /* ── ANIMATIONS ── */
    @keyframes fadeUp {
      from { opacity: 0; transform: translateY(20px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .top-section-content { animation: fadeUp .7s ease both; }
    .top-section-form    { animation: fadeUp .7s .15s ease both; }
    /* ── TOP-SECTION (Anciennement Hero) ── */
    .top-section {
      background: linear-gradient(135deg, var(--navy) 0%, #162D5F 60%, #1E3D7A 100%);
      color: var(--white);
      padding: 80px 5% 60px;
      display: grid; grid-template-columns: 1fr 420px; gap: 60px; align-items: start;
    }
    .top-section-badge {
      display: inline-block;
      background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25);
      border-radius: 100px; padding: 5px 16px; font-size: .8rem; letter-spacing: .05em;
      margin-bottom: 20px; color: #A8C6F5;
    }
    .top-section h1 {
      font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; line-height: 1.15;
      margin-bottom: 20px;
    }
    .top-section h1 em { color: var(--accent); font-style: normal; }
    .top-section-sub { font-size: 1.05rem; color: #B8CCEE; max-width: 520px; margin-bottom: 32px; }
    .top-section-stats { display: flex; gap: 28px; flex-wrap: wrap; }
    .stat { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); border-radius: 12px; padding: 16px 20px; }
    .stat-num { font-family: 'Syne', sans-serif; font-size: 1.6rem; font-weight: 800; color: var(--accent); }
    .stat-label { font-size: .78rem; color: #A8C6F5; margin-top: 2px; }

    /* ── TOP-SECTION FORM CARD ── */
    .top-section-form {
      background: var(--white);
      border-radius: 18px;
      padding: 32px 28px;
      box-shadow: 0 24px 60px rgba(0,0,0,.35);
    }

    /* ── ANIMATIONS ── */
    @keyframes fadeUp {
      from { opacity: 0; transform: translateY(20px); }
      to   { opacity: 1; transform: translateY(0); }
    }
    .top-section-content { animation: fadeUp .7s ease both; }
    .top-section-form    { animation: fadeUp .7s .15s ease both; }

    /* ── RESPONSIVE ── */
    @media (max-width: 1024px) {
      .top-section { grid-template-columns: 1fr; }
      .top-section-form { max-width: 500px; }
    }