:root {
            --secondary:#11283f;
            --accent-bright:#9b1731;
            --surface:#fff;
            --light:#f5f2ec;
            --dark:#171717;
            --gray:#5d6065;
            --muted:#5d6065;
            --green:#346244;
            --shadow:none;
            --shadow-hover:none;
            --transition:color .2s ease,background-color .2s ease,border-color .2s ease;
        }
        html { scroll-behavior: smooth; }
        #simulateur, #contact { scroll-margin-top: 105px; }
        * { margin: 0; padding: 0; box-sizing: border-box; }
        body { font-family: 'Inter', sans-serif; line-height: 1.6; color: var(--dark); background: var(--light); }
        .container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
        header .container { max-width: 95%; }
        .skip-link { position: fixed; left: 16px; top: -80px; z-index: 10000; background: #fff; color: var(--primary); padding: 10px 14px; border: 2px solid var(--accent); border-radius: 6px; font-weight: 700; }
        .skip-link:focus { top: 12px; }

        header {
            background: #fff;
            padding: 18px 0;
            box-shadow: 0 2px 15px rgba(0,0,0,0.06);
            position: sticky;
            top: 0;
            z-index: 100;
        }
        nav { display: flex; justify-content: space-between; align-items: center; }
        .logo {
            font-size: 2.2rem;
            font-weight: 700;
            letter-spacing: -0.03em;
            background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            text-decoration: none;
            flex-shrink: 0;
        }
        .logo .point { color: var(--accent); -webkit-text-fill-color: var(--accent); }
        .nav-links {
            display: flex;
            list-style: none;
            gap: 22px;
        }
        .nav-links a {
            text-decoration: none;
            color: var(--gray);
            font-weight: 500;
            font-size: 0.88rem;
            transition: var(--transition);
            white-space: nowrap;
        }
        .nav-links a:hover { color: var(--primary); }
        .header-tel {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            color: var(--primary);
            font-weight: 700;
            font-size: 1rem;
            text-decoration: none;
            border: 2px solid var(--primary);
            border-radius: 50px;
            padding: 6px 16px;
            transition: var(--transition);
            white-space: nowrap;
        }
        .header-tel:hover { background: var(--primary); color: #fff; }
        @media (max-width: 1024px) { .header-tel { display: none; } }
        .hamburger-menu {
            display: none;
            cursor: pointer;
            background: none;
            border: none;
            z-index: 1001;
        }
        .hamburger-menu .bar {
            display: block;
            width: 25px;
            height: 3px;
            margin: 5px auto;
            transition: var(--transition);
            background-color: var(--dark);
        }

        /* HERO - fond bleu marine */
        .hero {
            background: linear-gradient(135deg, #1B2A3F 0%, #2C3E50 100%);
            padding: 95px 0 72px;
            text-align: center;
            color: #fff;
            border-bottom: 4px solid var(--accent);
        }
        .hero-offer {
            display: inline-block;
            color: var(--accent);
            border: 1px solid rgba(230,126,34,.65);
            background: rgba(230,126,34,.1);
            padding: 8px 14px;
            border-radius: 7px;
            font-size: .9rem;
            font-weight: 800;
            letter-spacing: .07em;
            margin-bottom: 22px;
        }
        .hero h1 {
            font-size: 3rem;
            font-weight: 800;
            margin-bottom: 16px;
            letter-spacing: -0.02em;
        }
        .hero .sub {
            font-size: 1.25rem;
            color: rgba(255,255,255,0.8);
            max-width: 720px;
            margin: 0 auto 20px;
        }
        .hero .urgence {
            display: inline-block;
            background: #ffffff; /* Fond blanc */
            border: 1px solid var(--accent); /* Bordure orange */
            padding: 10px 24px;
            border-radius: 50px;
            font-size: 0.95rem;
            font-weight: 600;
            color: var(--accent); /* Texte orange */
            margin-bottom: 30px;
            box-shadow: 0 2px 8px rgba(0,0,0,0.06);
        }
        .hero .preuve-sociale {
            display: flex;
            justify-content: center;
            gap: 40px;
            flex-wrap: wrap;
            margin-top: 25px;
            font-size: 0.95rem;
            color: rgba(255,255,255,0.8);
        }
        .hero .preuve-sociale div {
            display: flex;
            align-items: center;
            gap: 6px;
        }
        .hero .cta-button {
            display: inline-block;
            background: var(--accent);
            color: #fff;
            padding: 16px 44px;
            border-radius: 12px;
            font-weight: 700;
            font-size: 1.1rem;
            text-decoration: none;
            margin-top: 30px;
            box-shadow: 0 8px 25px rgba(230,126,34,0.35);
            transition: var(--transition);
        }
        .hero .cta-button:hover { background: #CA6F1E; transform: translateY(-2px); }

        /* SIMULATEUR RAPIDE */
        .sim-section {
            padding: 70px 0;
            background: var(--light);
        }
        .sim-card {
            background: #fff;
            padding: 40px 45px;
            border-radius: 20px;
            box-shadow: var(--shadow);
            max-width: 960px;
            margin: 0 auto;
        }
        .sim-card h2 {
            font-size: 2rem;
            text-align: center;
            margin-bottom: 8px;
            color: var(--dark);
        }
        .sim-card .sim-desc {
            text-align: center;
            color: var(--gray);
            margin-bottom: 30px;
            font-size: 1.05rem;
        }
        .sim-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 20px;
            margin-bottom: 20px;
        }
        .sim-grid label {
            font-weight: 600;
            font-size: 0.9rem;
            color: var(--dark);
            display: block;
            margin-bottom: 6px;
        }
        .sim-grid input {
            width: 100%;
            padding: 14px 16px;
            border: 2px solid #dee2e6;
            border-radius: 12px;
            font-size: 1rem;
            transition: var(--transition);
        }
        .sim-grid input:focus {
            border-color: var(--primary);
            outline: none;
            box-shadow: 0 0 0 4px rgba(44,62,80,0.1);
        }
        .sim-grid input::placeholder { color: #aaa; }

        /* Résultat instantané */
        #quick-result {
            display: none;
            margin-top: 25px;
            padding: 25px 30px;
            background: #f0fdf4;
            border-radius: 16px;
            border-left: 6px solid #22c55e;
            animation: fadeUp 0.4s ease;
        }
        #quick-result.negative { background:#fff7ed; border-left-color:#c2410c; }
        #quick-result.negative .qr-item .value { color:#b42318; }
        @keyframes fadeUp {
            from { opacity: 0; transform: translateY(12px); }
            to { opacity: 1; transform: translateY(0); }
        }
        #quick-result .qr-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 20px;
            text-align: center;
        }
        #quick-result .qr-item .label {
            font-size: 0.8rem;
            color: #666;
            text-transform: uppercase;
            letter-spacing: 0.03em;
        }
        #quick-result .qr-item .value {
            font-size: 1.8rem;
            font-weight: 800;
            color: #16a34a;
        }
        #quick-result .qr-item .value.taux {
            color: var(--primary);
        }
        #quick-result .qr-cta {
            margin-top: 20px;
            text-align: center;
        }
        #quick-result .qr-cta a {
            display: inline-block;
            background: var(--primary);
            color: #fff;
            padding: 14px 44px;
            border-radius: 12px;
            font-weight: 700;
            font-size: 1.05rem;
            text-decoration: none;
            box-shadow: 0 6px 20px rgba(44,62,80,0.25);
            transition: var(--transition);
        }
        #quick-result .qr-cta a:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
        }
        #quick-result .qr-cta .small {
            display: block;
            font-size: 0.75rem;
            color: #777;
            margin-top: 8px;
            font-weight: 400;
        }

        .advanced-toggle {
            text-align: center;
            margin-top: 20px;
        }
        .advanced-toggle a {
            color: var(--gray);
            font-size: 0.9rem;
            text-decoration: none;
            border-bottom: 1px dashed #ccc;
            cursor: pointer;
        }
        .advanced-toggle a:hover { color: var(--primary); }
        .advanced-toggle button {
            color: #59666f;
            font: inherit;
            font-size: .9rem;
            background: transparent;
            border: 0;
            border-bottom: 1px dashed #777;
            cursor: pointer;
            padding: 4px 0;
        }
        .advanced-toggle button:hover { color: var(--primary); }
        #simulateur-complet {
            display: none;
            margin-top: 25px;
            padding-top: 25px;
            border-top: 2px solid #e9ecef;
        }
        #simulateur-complet .form-group {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-bottom: 20px;
        }
        #simulateur-complet .form-group.full { grid-template-columns: 1fr; }
        #simulateur-complet label {
            font-weight: 600;
            font-size: 0.9rem;
            display: block;
            margin-bottom: 4px;
        }
        #simulateur-complet input {
            width: 100%;
            padding: 12px 16px;
            border: 2px solid #dee2e6;
            border-radius: 10px;
            font-size: 0.95rem;
        }
        #simulateur-complet .radio-group {
            display: flex;
            gap: 30px;
            flex-wrap: wrap;
            padding: 10px 0;
        }
        #simulateur-complet .radio-group label {
            font-weight: 400;
            display: flex;
            align-items: center;
            gap: 8px;
        }
        #simulateur-complet .radio-group input[type="radio"] {
            width: auto;
            margin: 0;
        }
        #simulateur-complet button {
            background: var(--secondary);
            color: #fff;
            border: none;
            padding: 12px 30px;
            border-radius: 10px;
            font-weight: 600;
            cursor: pointer;
            transition: var(--transition);
        }
        #simulateur-complet button:hover { background: var(--primary-dark); }

        /* Résultat complet */
        #resultats {
            display: none;
            margin-top: 25px;
            padding: 20px;
            background: #f8fafc;
            border-radius: 16px;
            border-left: 5px solid var(--primary);
        }
        #resultats.show { display: block; }

        /* BANDEAU FLOTTANT - uniquement sur résultat positif */
        #sticky-cta {
            position: fixed;
            bottom: 0;
            left: 0;
            right: 0;
            background: linear-gradient(135deg, var(--secondary) 0%, #2a4f7a 100%);
            color: #fff;
            padding: 14px 20px;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 20px;
            z-index: 998;
            transform: translateY(100%);
            transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
            box-shadow: 0 -4px 20px rgba(0,0,0,0.15);
            flex-wrap: wrap;
        }
        #sticky-cta.visible { transform: translateY(0); }
        #sticky-cta p { margin: 0; font-size: 0.95rem; font-weight: 500; }
        #sticky-cta p strong { color: #fff; }
        #sticky-cta a.sticky-btn {
            display: inline-block;
            background: var(--accent);
            color: #fff;
            padding: 10px 28px;
            border-radius: 8px;
            font-weight: 700;
            font-size: 0.95rem;
            text-decoration: none;
            transition: var(--transition);
            white-space: nowrap;
        }
        #sticky-cta a.sticky-btn:hover {
            background: #CA6F1E;
            transform: translateY(-2px);
        }
        #sticky-cta-close {
            background: none;
            border: none;
            color: rgba(255,255,255,0.5);
            font-size: 1.4rem;
            cursor: pointer;
            padding: 0 0 0 10px;
            line-height: 1;
        }
        #sticky-cta-close:hover { color: #fff; }
        @media (max-width:600px) {
            #sticky-cta { flex-direction: column; gap: 8px; padding: 12px 16px; }
            #sticky-cta p { font-size: 0.85rem; text-align: center; }
        }

        /* 3 CONDITIONS */
        .conditions-block {
            background: #fff;
            padding: 60px 0 20px;
        }
        .conditions-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
            gap: 16px;
            margin: 24px 0 32px;
        }
        .conditions-grid .cond-item {
            background: #fff8f3;
            border-left: 4px solid var(--primary);
            border-radius: 8px;
            padding: 18px 20px;
        }
        .conditions-grid .cond-item .title {
            font-weight: 700;
            color: var(--primary);
            font-size: 1.1rem;
            margin-bottom: 6px;
        }
        .conditions-grid .cond-item .desc {
            color: #444;
            font-size: 0.95rem;
            line-height: 1.5;
        }

        /* 3 ÉTAPES */
        .steps-block {
            background: #fff;
            padding: 60px 0 30px;
        }
        .steps-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
            gap: 20px;
            margin-bottom: 40px;
        }
        .steps-grid .step {
            display: flex;
            gap: 16px;
            align-items: flex-start;
        }
        .steps-grid .step .num {
            background: var(--primary);
            color: #fff;
            border-radius: 50%;
            width: 36px;
            height: 36px;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 700;
            font-size: 1rem;
            flex-shrink: 0;
        }
        .steps-grid .step .content .title {
            font-weight: 700;
            color: var(--dark);
            margin-bottom: 4px;
        }
        .steps-grid .step .content .desc {
            color: #555;
            font-size: 0.93rem;
            line-height: 1.5;
        }

        .expert-card {
            display: grid;
            grid-template-columns: 150px 1fr;
            gap: 28px;
            align-items: center;
            max-width: 820px;
            margin: 0 auto 48px;
            padding: 26px;
            background: #fff8f3;
            border: 1px solid rgba(230,126,34,.25);
            border-radius: 16px;
        }
        .expert-card img {
            width: 150px;
            height: 150px;
            object-fit: cover;
            border-radius: 50%;
            border: 4px solid #fff;
            box-shadow: var(--shadow);
        }
        .expert-card h2 { font-size: 1.45rem; margin-bottom: 8px; }
        .expert-card p { color: #4b5963; }

        /* FORMULAIRE CONTACT (déplacé avant FAQ) */
        .contact-section {
            background: #f8f9fa;
            padding: 90px 0;
            text-align: center;
        }
        .contact-section .container { max-width: 700px; }
        .contact-section .form-box {
            background: white;
            padding: 40px;
            border-radius: 15px;
            box-shadow: var(--shadow);
            text-align: left;
        }
        .contact-section .form-box .form-group {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-bottom: 20px;
        }
        .contact-section .form-box .form-group.full { grid-template-columns: 1fr; }
        .contact-section .form-box label {
            display: block;
            font-weight: 600;
            margin-bottom: 6px;
        }
        .contact-section .form-box input,
        .contact-section .form-box textarea {
            width: 100%;
            padding: 12px;
            border: 2px solid #dee2e6;
            border-radius: 10px;
            font-size: 1rem;
            font-family: inherit;
        }
        .contact-section .form-box textarea { resize: vertical; }
        .contact-section .form-box .rgpd-check {
            margin: 20px 0;
            padding: 15px;
            background: #f0f8ff;
            border-radius: 8px;
            display: flex;
            align-items: flex-start;
            gap: 10px;
        }
        .contact-section .form-box .rgpd-check input {
            width: auto;
            margin-top: 4px;
        }
        .contact-section .form-box .rgpd-check label {
            font-weight: 400;
            font-size: 0.92rem;
        }
        .contact-section .form-box .cta-button {
            width: 100%;
            padding: 18px;
            font-size: 1.2rem;
            background: var(--accent);
            color: #fff;
            border: none;
            border-radius: 10px;
            font-weight: 700;
            cursor: pointer;
            transition: var(--transition);
        }
        .contact-section .form-box .cta-button:hover {
            background: #CA6F1E;
            transform: translateY(-2px);
        }
        #r-success {
            display: none;
            background: white;
            padding: 40px;
            border-radius: 15px;
            box-shadow: var(--shadow);
            text-align: center;
        }
        #r-success .icon { font-size: 3rem; margin-bottom: 16px; }
        #r-success h3 { color: #27ae60; margin-bottom: 12px; }
        #r-success p { color: #666; }

        /* FAQ (déplacée après le formulaire) */
        .faq-section {
            background: #fff;
            padding: 60px 0;
        }
        .faq-section .container { max-width: 820px; }
        .faq-item {
            padding: 18px 0;
            border-bottom: 1px solid #eee;
        }
        .faq-item .q {
            font-weight: 700;
            color: var(--dark);
            margin-bottom: 6px;
        }
        .faq-item .a {
            color: #555;
            font-size: 0.95rem;
            line-height: 1.7;
        }
        .seo-content { background:#fff; padding:64px 0; }
        .seo-content .container { max-width:900px; }
        .seo-content h2 { font-size:1.9rem; margin:0 0 18px; }
        .seo-content h3 { font-size:1.2rem; margin:28px 0 8px; }
        .seo-content p { color:#3f4c56; margin:0 0 14px; }
        .seo-content a { color:var(--primary); font-weight:600; }

        footer {
            background: var(--secondary);
            color: #fff;
            padding: 60px 0 35px;
            text-align: center;
        }
        .main-logo-footer {
            font-size: 1.95rem;
            font-weight: 700;
            background: linear-gradient(135deg, #fff, var(--primary));
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            display: inline-block;
        }
        .sub-logo-footer {
            font-size: 0.75rem;
            color: rgba(255,255,255,0.8);
            margin-top: 5px;
        }
        .social-links {
            display: flex;
            justify-content: center;
            gap: 20px;
            margin: 20px 0;
        }
        .social-links a {
            display: inline-flex;
            width: 44px;
            height: 44px;
            background: rgba(255,255,255,0.1);
            border-radius: 50%;
            align-items: center;
            justify-content: center;
            transition: var(--transition);
        }
        .social-links a:hover { background: var(--primary); transform: translateY(-3px); }
        .social-links svg { width: 20px; height: 20px; fill: currentColor; }
        .footer-contact a, .footer-bottom a {
            color: #94a3b8;
            text-decoration: none;
        }
        .footer-bottom {
            border-top: 1px solid #2d4a6e;
            padding-top: 20px;
            color: #94a3b8;
            font-size: 0.85rem;
        }

        @media (max-width: 1100px) {
            .nav-links {
                position: fixed;
                right: -100%;
                top: 0;
                height: 100vh;
                width: 100%;
                flex-direction: column;
                background: rgba(255,255,255,0.98);
                justify-content: center;
                align-items: center;
                transition: right 0.4s;
                gap: 28px;
            }
            .nav-links.active { right: 0; }
            .nav-links a { font-size: 1.35rem; }
            .hamburger-menu { display: block; }
            .hamburger-menu.active .bar:nth-child(2) { opacity: 0; }
            .hamburger-menu.active .bar:nth-child(1) { transform: translateY(8px) rotate(45deg); }
            .hamburger-menu.active .bar:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
        }
        @media (max-width: 768px) {
            .logo { font-size: 1.6rem; }
            header .container { max-width: 100%; padding: 0 16px; }
            .hero { padding: 64px 0 48px; }
            .hero h1 { font-size: 2rem; }
            .hero .sub { font-size:1.05rem; }
            .hero-offer { font-size:.78rem; padding:7px 10px; }
            .sim-card { padding:28px 20px; border-radius:12px; }
            .sim-grid { grid-template-columns: 1fr; }
            #quick-result .qr-grid { grid-template-columns: 1fr; gap: 8px; }
            #simulateur-complet .form-group { grid-template-columns: 1fr; }
            .contact-section .form-box .form-group { grid-template-columns: 1fr; }
            .expert-card { grid-template-columns: 1fr; text-align: center; }
            .expert-card img { margin: 0 auto; }
            .nav-links {
                position: fixed;
                right: -100%;
                top: 0;
                height: 100vh;
                width: 100%;
                flex-direction: column;
                background: rgba(255,255,255,0.98);
                justify-content: center;
                align-items: center;
                transition: right 0.4s;
                gap: 40px;
            }
            .nav-links.active { right: 0; }
            .nav-links a { font-size: 1.8rem; }
            .hamburger-menu { display: block; }
            .hamburger-menu.active .bar:nth-child(2) { opacity: 0; }
            .hamburger-menu.active .bar:nth-child(1) { transform: translateY(8px) rotate(45deg); }
            .hamburger-menu.active .bar:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
            .conditions-grid { grid-template-columns: 1fr; }
            .steps-grid { grid-template-columns: 1fr; }
        }
        @media (prefers-reduced-motion: reduce) {
            html { scroll-behavior:auto; }
            *, *::before, *::after { animation-duration:.01ms!important; animation-iteration-count:1!important; transition-duration:.01ms!important; }
        }
        .visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
@media(max-width:600px){form{padding:20px!important}form>div[style*="grid-template-columns"]{grid-template-columns:1fr!important}}
input,select,textarea{max-width:100%;box-sizing:border-box}
/* Direction éditoriale presse économique */
*{box-sizing:border-box}
html{scroll-padding-top:92px}
body{color:var(--ink);background:var(--paper);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.62;-webkit-font-smoothing:antialiased}
.container{width:100%;max-width:1240px;margin-inline:auto;padding-inline:28px}
a{color:var(--accent);text-underline-offset:.18em}

/* En-tête */
header{position:sticky;top:0;z-index:1000;width:100%;padding:0;background:rgba(255,255,255,.98);border:0;border-top:5px solid var(--accent);border-bottom:1px solid var(--line);box-shadow:none}
header .container{width:100%;max-width:1440px!important;margin-inline:auto;padding-inline:28px}
header nav{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:26px;flex-wrap:nowrap}
.logo,.main-logo-footer{flex-shrink:0;color:var(--primary-dark);background:none;-webkit-background-clip:initial;background-clip:initial;-webkit-text-fill-color:initial;font-family:Georgia,"Times New Roman",serif;font-size:2rem;font-weight:700;line-height:1;letter-spacing:-.045em;text-decoration:none;white-space:nowrap}
.logo .point,.point,.main-logo-footer .point{color:var(--accent-bright);-webkit-text-fill-color:var(--accent-bright)}
.nav-links{display:flex;align-items:stretch;gap:0;margin:0;padding:0;list-style:none}
.nav-links li{display:flex;margin:0}
.nav-links a{display:flex;align-items:center;padding:10px 12px;color:#3f4348;border-bottom:3px solid transparent;font-size:.79rem;font-weight:700;letter-spacing:.01em;line-height:1.25;text-decoration:none;white-space:nowrap}
.nav-links a:hover,.nav-links a:focus-visible,.nav-links a.active{color:var(--accent)!important;border-bottom-color:var(--accent);text-decoration:none}
.nav-links a[style*="#E67E22"],.nav-links a[style*="#a54b12"]{color:var(--accent)!important}
.header-tel{display:inline-flex;align-items:center;min-height:40px;padding:8px 13px;color:var(--primary);background:transparent;border:1px solid var(--primary);border-radius:2px;font-size:.86rem;font-weight:800;text-decoration:none;white-space:nowrap}
.header-tel:hover{color:#fff;background:var(--primary);text-decoration:none}
.hamburger-menu{min-width:44px;min-height:44px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:0;box-shadow:none}
.hamburger-menu .bar{display:block;width:25px;height:2px;margin:5px auto;padding:0;background:var(--primary-dark)}

/* Typographie */
h1,h2,h3,h4,.article-title,.article-subheading,.callout-title{color:var(--primary-dark);font-family:Georgia,"Times New Roman",serif;letter-spacing:-.025em}
p,li{color:#4d5054}
.cta-button,button:not(.hamburger-menu){min-height:44px;padding:12px 20px;color:#fff!important;background:var(--accent);border:1px solid var(--accent);border-radius:2px;box-shadow:none;font-family:Arial,Helvetica,sans-serif;font-size:.92rem;font-weight:800;letter-spacing:.01em;text-decoration:none!important}
.cta-button:hover,button:not(.hamburger-menu):hover{color:#fff;background:var(--primary-dark);border-color:var(--primary-dark);box-shadow:none;transform:none}
.cta-button.secondary{background:var(--primary)}

/* Articles */
.article-section{margin-top:0;padding:68px 0 82px;background:var(--paper)}
.article-content{max-width:860px;margin:0 auto}
.article-content h1,.article-title{margin:0 0 18px;padding:0;color:var(--primary-dark);font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.5rem,5vw,4.65rem);font-weight:700;line-height:1.03;letter-spacing:-.045em;text-align:left}
.article-content h1::before,.article-title::before{content:"";display:block;width:76px;margin-bottom:21px;border-top:6px solid var(--accent)}
.article-meta-top{margin:0 0 38px;padding-bottom:16px;color:#74777b;border-bottom:1px solid var(--line);font-size:.76rem;font-weight:700;letter-spacing:.055em;text-align:left;text-transform:uppercase}
.article-content p,.article-text{color:#474a4e;font-family:Georgia,"Times New Roman",serif;font-size:1.08rem;line-height:1.76}
.article-content h2,.article-subheading{display:block;margin:48px 0 18px;padding:16px 0 0;color:var(--primary-dark);border:0;border-top:1px solid var(--line);font-size:clamp(1.7rem,3vw,2.25rem);line-height:1.18}
.article-content h3{margin:27px 0 11px;color:var(--accent);font-size:1.38rem;line-height:1.25}
.article-content ul,.article-content ol,.article-list{margin:0 0 25px 25px}
.article-content li,.article-list li{color:#474a4e;font-family:Georgia,"Times New Roman",serif;font-size:1.05rem;line-height:1.68}
.article-content hr{margin:42px 0;border:0;border-top:1px solid var(--line)}
.article-content table{width:100%;margin:26px 0;border-collapse:collapse;font-family:Arial,Helvetica,sans-serif;font-size:.9rem}
.article-content th,.article-content td{padding:12px 14px;border:1px solid var(--line);text-align:left;vertical-align:top}
.article-content th{color:#fff;background:var(--primary)}
.article-content td{color:#44484c;background:#fff}
.highlight-box,.warning-box,.expert-box,.example-box,.highlight,.expert-block,.callout{margin:28px 0;padding:23px 26px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:0;box-shadow:none}
.highlight-box,.highlight,.expert-block{background:#f1f4f6;border-left-color:var(--primary)}
.warning-box{background:#f6f1f2}
.example-box{background:#fff}
.expert-box,.callout{background:#f4f2ed}
.callout h2,.callout-title{margin:0 0 10px;padding:0;border:0;color:var(--accent);font-size:1.35rem}
.highlight-box p:last-child,.warning-box p:last-child,.expert-box p:last-child,.example-box p:last-child,.highlight p:last-child,.expert-block p:last-child,.callout p:last-child{margin-bottom:0}
.faq-section{margin-top:48px;padding-top:8px;border-top:5px solid var(--accent)}
.faq-item{margin:0;padding:23px 0;background:transparent;border:0;border-bottom:1px solid var(--line);border-radius:0;box-shadow:none}
.faq-item h3{margin:0 0 9px;color:var(--primary-dark)}
.sources{margin-top:50px;padding-top:20px;color:#74777b;border-top:1px solid var(--line);font-size:.86rem}
.sources p,.sources li{color:#74777b;font-family:Arial,Helvetica,sans-serif;font-size:.86rem}
.cta-wrap,.cta-box{margin-top:40px;padding-top:24px;border-top:1px solid var(--line);text-align:left}

/* Composants éditoriaux communs */
.page-renegociation .hero{margin-top:0;padding:70px 0 64px;color:var(--ink);background:#fff;border:0;border-bottom:1px solid var(--line);text-align:left}
.page-renegociation .hero .container{max-width:1240px}
.page-renegociation .hero h1{max-width:900px;margin:0 0 22px;color:var(--primary-dark);font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.7rem,5vw,4.8rem);font-weight:700;line-height:1.02;letter-spacing:-.045em}
.page-renegociation .hero h1::before{content:"";display:block;width:76px;margin-bottom:21px;border-top:6px solid var(--accent)}
.page-renegociation .hero .sub{max-width:780px;margin:0 0 22px;color:var(--gray);font-size:1.08rem;line-height:1.72}
.page-renegociation .hero .urgence{display:inline-block;margin:0 0 22px;padding:8px 12px;color:var(--accent);background:#f6f1f2;border:1px solid #dec8cd;border-radius:0;box-shadow:none;font-size:.77rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase}
.page-renegociation .hero .cta-button{margin:6px 0 0;padding:14px 23px;border-radius:2px;box-shadow:none}
.page-renegociation .hero .preuve-sociale{justify-content:flex-start;gap:18px 35px;margin-top:25px;color:#555a5f;font-size:.88rem}
.sim-section,.contact-section,.faq-section{margin:0;padding:72px 0;background:var(--paper)}
.sim-section:nth-of-type(even),.faq-section{background:#fff}
.sim-card,.form-box,.steps-block,.conditions-block{max-width:980px;margin-inline:auto;padding:34px;background:#fff;border:1px solid var(--line);border-radius:0;box-shadow:none}
.sim-section h2,.contact-section h2,.faq-section>div>h2,.content h2{position:relative;margin:0 0 28px;padding-top:17px;color:var(--primary-dark);font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.9rem,3.3vw,3rem);line-height:1.12;text-align:left}
.sim-section h2::before,.contact-section h2::before,.faq-section>div>h2::before,.content h2::before{content:"";position:absolute;top:0;left:0;width:68px;border-top:5px solid var(--accent)}
.sim-grid,.qr-grid,.steps-grid,.conditions-grid{gap:0;border:solid var(--line);border-width:1px 0 0 1px}
.sim-grid>*,.qr-grid>*,.steps-grid>*,.conditions-grid>*{padding:23px;background:#fff;border:solid var(--line);border-width:0 1px 1px 0;border-radius:0;box-shadow:none}
.sim-desc,.desc,.small{color:var(--gray)}
.page-renegociation input:not([type=checkbox]):not([type=radio]),.page-renegociation select,.page-renegociation textarea{width:100%;min-height:46px;padding:11px 13px;color:var(--ink);background:#fff;border:1px solid #99958e;border-radius:0;box-shadow:none;font-family:Arial,Helvetica,sans-serif}
.page-renegociation input:focus,.page-renegociation select:focus,.page-renegociation textarea:focus{outline:2px solid rgba(17,40,63,.18);border-color:var(--primary);box-shadow:none}
.page-renegociation label{color:#303338;font-weight:800}
.qr-item,.cond-item,.step{border-radius:0;box-shadow:none}
.sticky-btn{border-radius:0;box-shadow:none}

/* Pied de page */
footer{padding:52px 0 30px;color:#fff;background:var(--primary-dark);border-top:8px solid var(--accent);text-align:center}
.main-logo-footer{color:#fff;-webkit-text-fill-color:#fff}
.main-logo-footer .point{color:#d74a65;-webkit-text-fill-color:#d74a65}
.sub-logo-footer,footer p{color:#d5d9dd}
.sub-logo-footer{margin-top:7px;font-size:.72rem;letter-spacing:.05em;text-transform:uppercase}
.social-links{margin:23px 0 17px}
.social-links a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;color:#fff;background:transparent;border:1px solid #77828d;border-radius:0}
.social-links a:hover{background:var(--accent);transform:none}
.social-links svg{width:19px;height:19px;fill:currentColor}
.footer-contact a,.footer-bottom a,footer a{color:#d5d9dd}
.footer-bottom{border-top-color:#3a4d60}

:focus-visible{outline:3px solid #155aa0;outline-offset:3px}

@media(max-width:1400px){
  .header-tel{display:none}
  .hamburger-menu{display:block;flex-shrink:0}
  .nav-links{display:none;position:absolute;top:100%;right:0;left:0;width:100%;height:auto;max-height:76vh;padding:18px 5% 23px;overflow-y:auto;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;background:#fff;border-top:1px solid var(--line);border-bottom:5px solid var(--accent);box-shadow:none}
  .nav-links.active{display:grid;right:0}
  .nav-links li{display:block}
  .nav-links a{display:block;min-height:44px;padding:11px 8px;border-bottom:1px solid #ece8e1;font-size:.96rem}
}

@media(max-width:768px){
  html{scroll-padding-top:76px}
  .container,header .container{padding-inline:18px}
  header nav{min-height:70px}
  .logo,.main-logo-footer{font-size:1.65rem}
  .nav-links{grid-template-columns:1fr}
  .article-section{padding:45px 0 62px}
  .article-content h1,.article-title{font-size:2.35rem}
  .article-content h2,.article-subheading{font-size:1.65rem}
  .article-content table{display:block;overflow-x:auto}
  .highlight-box,.warning-box,.expert-box,.example-box,.highlight,.expert-block,.callout{padding:20px 17px}
  .page-renegociation .hero{padding:48px 0}
  .page-renegociation .hero h1{font-size:2.45rem}
  .page-renegociation .hero .preuve-sociale{display:grid;grid-template-columns:1fr;gap:8px}
  .sim-section,.contact-section,.faq-section{padding:56px 0}
  .sim-card,.form-box,.steps-block,.conditions-block{padding:23px 18px}
  .sim-grid,.qr-grid,.steps-grid,.conditions-grid{grid-template-columns:1fr}
}

@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important}}
/* Ajustements propres à la version de référence de la page renégociation */
#simulateur,#contact{scroll-margin-top:105px}
.skip-link{position:fixed;top:-90px;left:16px;z-index:10000;padding:10px 14px;color:var(--primary);background:#fff;border:2px solid var(--accent);border-radius:0;font-weight:800;text-decoration:none}
.skip-link:focus{top:12px}
.page-renegociation .hero-offer{display:inline-block;margin:0 0 20px;padding:8px 12px;color:var(--accent);background:#f6f1f2;border:1px solid #dec8cd;border-radius:0;font-size:.78rem;font-weight:800;letter-spacing:.075em;text-transform:uppercase}
.page-renegociation .conditions-block,.page-renegociation .steps-block{max-width:none;margin:0;padding:68px 0;background:#fff;border:0;border-bottom:1px solid var(--line);border-radius:0;box-shadow:none}
.page-renegociation .conditions-block>.container,.page-renegociation .steps-block>.container{max-width:876px!important;padding-inline:28px}
.page-renegociation .conditions-grid .cond-item{background:#fff;border-radius:0}
.page-renegociation .conditions-grid .cond-item .title{color:var(--accent)}
.page-renegociation .steps-grid .step{display:flex;align-items:flex-start;gap:16px}
.page-renegociation .steps-grid .step .num{display:flex;flex:0 0 36px;align-items:center;justify-content:center;width:36px;height:36px;padding:0;color:#fff;background:var(--primary);border:0;border-radius:0;font-weight:800}
.page-renegociation .steps-grid .step .content{padding:0;border:0}
.page-renegociation .expert-card{max-width:820px;margin:0 auto 48px;padding:28px;background:#f4f2ed;border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:0;box-shadow:none}
.page-renegociation .expert-card img{border-radius:0;border:0;box-shadow:none;filter:grayscale(12%)}
.page-renegociation #quick-result{border-radius:0!important;box-shadow:none!important}
.page-renegociation #quick-result.negative{background:#f6f1f2!important;border-left-color:var(--accent)!important}
.page-renegociation #quick-result.negative .qr-item .value{color:var(--accent)!important}
.page-renegociation #quick-result .qr-cta a{border-radius:2px;box-shadow:none}
.page-renegociation .advanced-toggle button{min-height:auto!important;padding:4px 0!important;color:var(--gray)!important;background:transparent!important;border:0!important;border-bottom:1px dashed #777!important;border-radius:0!important;box-shadow:none!important;font:inherit!important;font-size:.9rem!important}
.page-renegociation .advanced-toggle button:hover{color:var(--accent)!important;background:transparent!important;border-bottom-color:var(--accent)!important}
.page-renegociation .radio-group label,.page-renegociation .rgpd-check{border-radius:0;box-shadow:none}
.page-renegociation .seo-content{padding:68px 0;background:var(--paper);border-bottom:1px solid var(--line)}
.page-renegociation .seo-content h2{position:relative;margin:0 0 22px;padding-top:17px;font-size:clamp(1.9rem,3.3vw,3rem);line-height:1.12}
.page-renegociation .seo-content h2::before{content:"";position:absolute;top:0;left:0;width:68px;border-top:5px solid var(--accent)}
.page-renegociation .seo-content h3{color:var(--accent);font-family:Georgia,"Times New Roman",serif}
.page-renegociation .faq-section{border-top:0}
.page-renegociation .faq-item{background:transparent}
.page-renegociation .conditions-content{max-width:876px!important}
.page-renegociation .conditions-content>h2{position:relative;margin:0 0 18px;padding-top:17px;color:var(--primary-dark);font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.9rem,3.2vw,2.8rem);line-height:1.12}
.page-renegociation .conditions-content>h2::before{content:"";position:absolute;top:0;left:0;width:68px;border-top:5px solid var(--accent)}
.page-renegociation .conditions-intro{margin:0 0 28px;color:var(--gray);font-size:1.05rem;line-height:1.7}
.page-renegociation .conditions-tip{margin-top:24px;padding-top:18px;color:var(--gray);border-top:1px solid var(--line);font-size:.94rem;line-height:1.6}
@media(max-width:768px){
  .page-renegociation .conditions-block,.page-renegociation .steps-block{padding:52px 0}
  .page-renegociation .conditions-block>.container,.page-renegociation .steps-block>.container{padding-inline:18px}
  .page-renegociation .expert-card{grid-template-columns:1fr;margin-inline:18px;text-align:left}
  .page-renegociation .expert-card img{margin:0}
}
 
/* En-tête commun LeGuidedesTaux */
html{scroll-padding-top:132px}
header nav{display:block;min-height:0}
.header-main-row{display:flex;align-items:center;min-height:74px;gap:24px}
header .nav-links{position:static;display:flex;width:100%;max-height:none;margin:0;padding:0;flex-direction:row;justify-content:center;align-items:stretch;gap:0;overflow:visible;background:#fff;border-top:1px solid var(--line);border-bottom:0}
header .nav-links li{display:flex;width:auto}
header .nav-links a{display:flex;align-items:center;width:auto;min-height:42px;padding:9px 12px;font-size:.79rem;border-bottom:3px solid transparent}
header .nav-links a.active{color:var(--accent)!important;border-bottom-color:var(--accent)}
header .header-tel{display:inline-flex}
header .hamburger-menu{display:none}
@media(max-width:1180px){
  html{scroll-padding-top:96px}
  .header-main-row{min-height:82px}
  header .header-tel{display:none}
  header .hamburger-menu{display:block;flex-shrink:0}
  header .nav-links{position:absolute;top:100%;right:0;left:0;display:none;width:100%;max-height:calc(100vh - 88px);padding:16px 24px 20px;flex-direction:column;align-items:flex-start;gap:0;overflow-y:auto;background:#fff;border-top:1px solid var(--line);border-bottom:5px solid var(--accent)}
  header .nav-links.active{display:flex}
  header .nav-links li{display:block;width:100%}
  header .nav-links a{display:block;width:100%;min-height:44px;padding:9px 4px;font-size:1rem;border-bottom:1px solid #ece8e1}
}
@media(max-width:768px){
  html{scroll-padding-top:112px}
  .header-main-row{min-height:0;flex-wrap:wrap;gap:0}
  .header-main-row .logo{order:1;margin:13px 0 11px}
  .header-main-row .hamburger-menu{order:2;margin-left:auto}
}