/* ==========================================================================
   CMCA — Design tokens (dérivés strictement de la maquette PDF fournie)
   ========================================================================== */
:root {
  /* Couleurs */
  --navy-900: #0d2141;   /* footer, bandeau stats (le plus sombre) */
  --navy-800: #15335e;   /* titres, boutons pleins, header actif */
  --navy-700: #1c3f70;   /* cartes "pourquoi nous choisir" */
  --navy-600: #2a4d82;   /* survols, liens */
  --red-600: #d6293a;    /* accent institutionnel (eyebrows, CTA) */
  --red-700: #b8202f;    /* survol du rouge */
  --cream-100: #f4f1ea;  /* fonds alternés (hero, sections claires) */
  --white: #ffffff;
  --gray-700: #4a5160;   /* texte courant */
  --gray-500: #7a8190;   /* texte secondaire */
  --gray-200: #e6e3db;   /* bordures discrètes */
  --gray-100: #f7f6f2;

  /* Typographie */
  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Échelle */
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 28px;
  --shadow-sm: 0 2px 10px rgba(13, 33, 65, 0.06);
  --shadow-md: 0 10px 30px rgba(13, 33, 65, 0.12);
  --shadow-lg: 0 20px 50px rgba(13, 33, 65, 0.18);
  --header-h: 100px;
  --header-h-scrolled: 76px;
  --container: 1180px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ==========================================================================
   Reset
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--navy-800); margin: 0; line-height: 1.2; font-weight: 700; }
p { margin: 0; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }
:focus-visible {
  outline: 3px solid var(--red-600);
  outline-offset: 3px;
}

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  display: inline-block;
  color: var(--red-600);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  margin-bottom: 14px;
}

section { position: relative; scroll-margin-top: var(--header-h); }
.section-pad { padding: 96px 0; }
.section-pad-tight-bottom { padding-bottom: 40px; }
.section-pad-tight-top { padding-top: 40px; }
.section-divider { max-width: 260px; margin: 0 auto; padding: 0 24px; }
.section-divider svg { width: 100%; height: 20px; display: block; overflow: visible; }
.wave-travel-path {
  animation: wave-travel 3.2s linear infinite;
}
@keyframes wave-travel {
  0% { stroke-dashoffset: 126; }
  100% { stroke-dashoffset: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .wave-travel-path { animation: none; stroke-dasharray: none; }
}
@media (max-width: 768px) {
  .section-pad { padding: 64px 0; }
  .section-pad-tight-bottom { padding-bottom: 28px; }
  .section-pad-tight-top { padding-top: 28px; }
}

/* ==========================================================================
   Boutons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background-color 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
  white-space: nowrap;
}
.btn:active { transform: scale(0.97); }
.btn-primary { background: var(--navy-800); color: var(--white); }
.btn-primary:hover { background: var(--navy-600); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--navy-800); }
.btn-outline:hover { background: var(--navy-800); color: var(--white); transform: translateY(-2px); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline-light:hover { background: var(--white); color: var(--navy-800); border-color: var(--white); transform: translateY(-2px); }
.btn-red { background: var(--red-600); color: var(--white); }
.btn-red:hover { background: var(--red-700); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

/* ==========================================================================
   Header
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
  border-color: var(--gray-200);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  transition: height 0.3s var(--ease);
}
.site-header.is-scrolled .header-inner { height: var(--header-h-scrolled); }

.brand { display: flex; align-items: center; gap: 10px; font-family: var(--font-display); font-weight: 700; color: var(--navy-800); font-size: 1.2rem; }
.brand-logo,
.custom-logo { height: auto; max-height: 78px; width: auto; max-width: 180px; display: block; transition: transform 0.25s var(--ease), max-height 0.3s var(--ease); }
.site-header.is-scrolled .brand-logo,
.site-header.is-scrolled .custom-logo { max-height: 60px; }
.custom-logo-link { display: flex; align-items: center; min-width: 0; max-width: 180px; overflow: hidden; }
.footer-brand-logo {
  background: var(--white);
  display: inline-flex;
  padding: 12px 18px;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
}
.footer-brand-logo .brand-logo { height: 40px; }
.footer-brand-logo .brand-logo-fallback {
  color: var(--navy-800);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
}
.brand-mark {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem; font-weight: 800; flex-shrink: 0;
}

.main-nav { display: flex; align-items: center; gap: 4px; margin-left: 48px; }
.main-nav a {
  padding: 10px 16px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--gray-700);
  position: relative;
  transition: color 0.2s var(--ease), background-color 0.2s var(--ease);
}
.main-nav a:hover { color: var(--red-600); background: var(--cream-100); }
.main-nav a.active { color: var(--navy-800); background: var(--cream-100); }

/* Sous-menu déroulant "Produits" (desktop) */
.nav-item-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: flex; align-items: center; gap: 6px;
  padding: 10px 16px;
  border: none; background: transparent;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.92rem;
  font-family: inherit;
  color: var(--gray-700);
  transition: color 0.2s var(--ease), background-color 0.2s var(--ease);
}
.nav-dropdown-toggle:hover,
.nav-item-dropdown:hover .nav-dropdown-toggle { color: var(--red-600); background: var(--cream-100); }
.nav-dropdown-toggle.active { color: var(--navy-800); background: var(--cream-100); }
.nav-dropdown-toggle .chevron { transition: transform 0.25s var(--ease); }
.nav-item-dropdown:hover .chevron,
.nav-item-dropdown.is-open .chevron { transform: rotate(180deg); }

.nav-dropdown-panel {
  position: absolute; top: calc(100% + 8px); left: 0;
  min-width: 180px;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  padding: 8px;
  opacity: 0; visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
}
.nav-item-dropdown:hover .nav-dropdown-panel,
.nav-item-dropdown.is-open .nav-dropdown-panel {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown-panel a {
  display: block; padding: 10px 14px; border-radius: 8px;
  font-weight: 600; font-size: 0.9rem; color: var(--gray-700);
  transition: background-color 0.2s var(--ease), color 0.2s var(--ease);
}
.nav-dropdown-panel a:hover { background: var(--cream-100); color: var(--red-600); }
.nav-dropdown-panel a.active { background: var(--cream-100); color: var(--navy-800); }

/* Accordéon "Produits" (drawer mobile) */
.drawer-group-toggle {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 14px 4px; border: none; background: transparent;
  font-family: inherit; font-weight: 600; font-size: 1.05rem;
  color: var(--navy-800); border-bottom: 1px solid var(--gray-200);
}
.drawer-group-toggle .chevron { transition: transform 0.25s var(--ease); }
.drawer-group.is-open .drawer-group-toggle .chevron { transform: rotate(180deg); }
.drawer-subpanel {
  max-height: 0; overflow: hidden;
  transition: max-height 0.3s var(--ease);
}
.drawer-group.is-open .drawer-subpanel { max-height: 200px; }
.drawer-sublink {
  display: block; padding: 12px 4px 12px 18px;
  font-weight: 500; font-size: 0.98rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-200);
}
.drawer-sublink.active { color: var(--red-600); }

.header-actions { display: flex; align-items: center; gap: 10px; }
.hamburger {
  display: none;
  width: 44px; height: 44px;
  border: none; background: transparent;
  border-radius: 10px;
  position: relative;
}
.hamburger span, .hamburger::before, .hamburger::after {
  content: ''; position: absolute; left: 10px; right: 10px; height: 2px; background: var(--navy-800);
  transition: transform 0.3s var(--ease), opacity 0.3s var(--ease), top 0.3s var(--ease);
}
.hamburger::before { top: 15px; }
.hamburger span { top: 21px; }
.hamburger::after { top: 27px; }
.hamburger.is-open::before { top: 21px; transform: rotate(45deg); }
.hamburger.is-open span { opacity: 0; }
.hamburger.is-open::after { top: 21px; transform: rotate(-45deg); }

/* Menu mobile */
.mobile-drawer {
  position: fixed; inset: 0; z-index: 999;
  visibility: hidden;
  pointer-events: none;
  overflow: hidden;
}
.mobile-drawer.is-open { visibility: visible; pointer-events: auto; }
.mobile-drawer-backdrop {
  position: absolute; inset: 0; background: rgba(13,33,65,0.45);
  opacity: 0; transition: opacity 0.3s var(--ease);
}
.mobile-drawer.is-open .mobile-drawer-backdrop { opacity: 1; }
.mobile-drawer-panel {
  position: absolute; top: 0; right: 0; bottom: 0; width: min(320px, 84vw);
  background: var(--white);
  padding: 100px 28px 28px;
  transform: translateX(100%);
  transition: transform 0.35s var(--ease);
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
}
.mobile-drawer.is-open .mobile-drawer-panel { transform: translateX(0); }
.mobile-drawer nav a {
  display: block;
  padding: 14px 4px;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--navy-800);
  border-bottom: 1px solid var(--gray-200);
  transition: color 0.2s var(--ease);
}
.mobile-drawer nav a:hover { color: var(--red-600); }
.mobile-drawer .drawer-ctas { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }
.mobile-drawer .drawer-ctas .btn { justify-content: center; }

@media (max-width: 960px) {
  .main-nav, .header-actions .btn { display: none; }
  .hamburger { display: block; }
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  background: var(--cream-100);
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 40px;
  min-height: 560px;
}
.hero-copy h1 { font-size: clamp(2.1rem, 4vw, 3.1rem); margin-bottom: 20px; }
.hero-copy p { font-size: 1.05rem; color: var(--gray-700); max-width: 46ch; margin-bottom: 32px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-media { position: relative; height: 100%; min-height: 460px; align-self: stretch; }
.hero-media-frame {
  position: absolute; inset: 0;
  border-radius: 0 200px 0 200px;
  overflow: hidden;
}
.img-placeholder {
  width: 100%; height: 100%;
  display: flex; align-items: flex-end;
  background: linear-gradient(135deg, #cfd9e8, #aebedd);
  position: relative;
}
.img-photo {
  width: 100%; height: 100%;
  position: relative;
  overflow: hidden;
}
.img-photo img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 30%;
  transition: transform 0.6s var(--ease);
}
.img-placeholder::before {
  content: attr(data-label);
  position: absolute; inset: 0;
  display: flex; align-items: center; justify-content: center;
  text-align: center; padding: 20px;
  color: rgba(13,33,65,0.55);
  font-weight: 600; font-size: 0.85rem; letter-spacing: 0.03em;
  background:
    repeating-linear-gradient(45deg, rgba(255,255,255,0.15) 0 2px, transparent 2px 14px);
}
.play-btn {
  position: absolute; z-index: 2; top: 50%; right: 40px; transform: translateY(-50%);
  width: 124px; height: 124px; border-radius: 50%;
  background: var(--white); border: none;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  transition: transform 0.3s var(--ease);
}
.play-btn::before {
  content: ''; width: 0; height: 0;
  border-left: 30px solid var(--red-600);
  border-top: 19px solid transparent; border-bottom: 19px solid transparent;
  margin-left: 8px;
}
.play-btn::after {
  content: ''; position: absolute; inset: -16px; border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.7);
  animation: pulse-ring 2.6s var(--ease) infinite;
}
@keyframes pulse-ring {
  0% { transform: scale(0.9); opacity: 0.9; }
  100% { transform: scale(1.35); opacity: 0; }
}
.play-btn:hover { transform: translateY(-50%) scale(1.08); }

.wave-edge {
  position: absolute; left: 0; right: 0; bottom: -1px; height: 46px;
  background: var(--navy-800);
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'><path d='M0,30 C150,60 350,0 600,20 C850,40 1050,0 1200,25 L1200,60 L0,60 Z'/></svg>") bottom / 100% 100% no-repeat;
  mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 60' preserveAspectRatio='none'><path d='M0,30 C150,60 350,0 600,20 C850,40 1050,0 1200,25 L1200,60 L0,60 Z'/></svg>") bottom / 100% 100% no-repeat;
}

@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; padding: 40px 0 0; min-height: 0; }
  .hero-media { min-height: 320px; order: -1; }
}

/* ==========================================================================
   Reveal au scroll
   ========================================================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-stagger.is-visible > * { transition-delay: calc(var(--i, 0) * 90ms); }

/* ==========================================================================
   À propos
   ========================================================================== */
.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: start;
}
.about-grid-reversed { grid-template-columns: 1.1fr 0.9fr; }
.about-media {
  position: sticky;
  top: calc(var(--header-h) + 32px);
}
.about-media .img-placeholder,
.about-media .img-photo {
  aspect-ratio: 4/4.2;
  border-radius: 0 200px 0 200px;
}
.stat-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  padding: 14px 18px;
  display: flex; align-items: baseline; gap: 8px;
}
.stat-badge strong { font-family: var(--font-display); color: var(--red-600); font-size: 1.6rem; }
.stat-badge span { font-size: 0.85rem; color: var(--gray-700); font-weight: 600; }
.stat-badge.top-left { top: 24px; left: -24px; }
.stat-badge.bottom-right { bottom: 24px; right: -24px; }
@media (max-width: 640px) {
  .stat-badge.top-left { left: 12px; }
  .stat-badge.bottom-right { right: 12px; }
}
.about-copy h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 18px; }
.about-copy p { margin-bottom: 26px; max-width: 56ch; }

@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 72px 24px; }
  .about-media { position: static; }
}

/* ==========================================================================
   Bandeau stats
   ========================================================================== */
.stats-band { background: var(--navy-900); color: var(--white); padding: 64px 0 44px; }
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
  margin-bottom: 40px;
}
.stat-item strong {
  display: block; font-family: var(--font-body); font-weight: 800; font-size: clamp(1.8rem, 3.4vw, 2.6rem);
  font-variant-numeric: tabular-nums;
}
.stat-item span { color: rgba(255,255,255,0.65); font-size: 0.9rem; font-weight: 600; }
.reg-badge {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  padding: 14px 24px;
  font-size: 0.9rem;
  max-width: 640px; margin: 0 auto;
  text-align: center;
}
.reg-badge .badge-icon {
  width: 22px; height: 22px; border-radius: 50%; background: var(--red-600);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 0.7rem;
}
@media (max-width: 720px) {
  .stats-row { grid-template-columns: repeat(2, 1fr); gap: 32px 16px; }
}

/* ==========================================================================
   Cartes produits
   ========================================================================== */
.section-head { text-align: center; max-width: 620px; margin: 0 auto 56px; }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.product-card {
  display: block;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  overflow: visible;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s var(--ease);
}
.product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }

.product-card-media {
  position: relative;
  aspect-ratio: 4/2.7;
  border-radius: var(--radius-md) var(--radius-md) 0 0;
}
.product-card-media img,
.product-card-media .img-placeholder {
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  overflow: hidden;
}
.product-card-media img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.6s var(--ease);
}
.product-card:hover .product-card-media img { transform: scale(1.06); }

.product-card-icon {
  position: absolute; top: -26px; left: 24px;
  width: 58px; height: 58px; border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.55rem;
  box-shadow: var(--shadow-md);
  border: 3px solid var(--white);
  z-index: 2;
}

.product-card-body { padding: 22px 22px 26px; }
.product-card-body h3 {
  font-family: var(--font-body); font-weight: 700; font-size: 1.12rem;
  color: var(--navy-800); margin-bottom: 10px;
}
.product-card-body p { font-size: 0.92rem; color: var(--gray-700); margin-bottom: 16px; }

@media (max-width: 860px) {
  .products-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Pourquoi CMCA
   ========================================================================== */
.why-band { background: var(--navy-900); padding: 88px 0; color: var(--white); }
.why-band .section-head h2 { color: var(--white); }
.why-band .eyebrow { color: #ff8a8a; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.why-card {
  background: var(--navy-700);
  border-radius: var(--radius-md);
  padding: 30px 22px;
  text-align: center;
  transition: transform 0.35s var(--ease), background-color 0.35s var(--ease);
}
.why-card:hover { transform: translateY(-6px); background: var(--navy-600); }
.why-icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px; font-size: 1.3rem;
}
.why-card h3 { color: var(--white); font-size: 1.05rem; margin-bottom: 8px; font-family: var(--font-body); font-weight: 700; }
.why-card p { color: rgba(255,255,255,0.65); font-size: 0.88rem; }

@media (max-width: 860px) {
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ==========================================================================
   Réseau d'agences
   ========================================================================== */
.network-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 56px;
  align-items: center;
}
.network-copy h2 { font-size: clamp(1.7rem, 3vw, 2.2rem); margin-bottom: 14px; }
.network-copy p { margin-bottom: 26px; max-width: 42ch; }
.network-map {
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  aspect-ratio: 455/456;
  background: var(--white);
  position: relative;
}
.agences-leaflet-map {
  width: 100%;
  height: 100%;
  border-radius: var(--radius-md);
}
@media (max-width: 900px) {
  .network-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* ==========================================================================
   Partenaires (carousel)
   ========================================================================== */
.partners-band { background: var(--navy-900); padding: 64px 0; color: var(--white); }
.partners-band .eyebrow { color: #ff8a8a; }
.partners-band .carousel-arrow {
  background: rgba(255, 255, 255, 0.15);
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.3);
}
.partners-band .carousel-arrow:hover { background: rgba(255, 255, 255, 0.3); }
.partners-track-wrap { position: relative; display: flex; align-items: center; gap: 18px; }
.partners-track {
  display: flex; gap: 22px; overflow: hidden; flex: 1;
}
.partner-logo {
  flex-shrink: 0;
  width: 92px; height: 92px; border-radius: 50%;
  background: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.78rem; color: var(--navy-800);
  text-align: center; padding: 6px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.partner-logo:hover { transform: translateY(-4px) scale(1.05); box-shadow: var(--shadow-md); }
.partner-logo img { max-width: 100%; max-height: 100%; object-fit: contain; border-radius: 50%; }
.carousel-arrow {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy-800); color: var(--white); border: none;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: background-color 0.25s var(--ease), transform 0.25s var(--ease);
}
.carousel-arrow:hover { background: var(--navy-600); transform: scale(1.08); }

/* ==========================================================================
   Actualités
   ========================================================================== */
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-bottom: 44px; }
.news-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
}
.news-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.news-card-media { position: relative; aspect-ratio: 16/10; overflow: hidden; }
.news-card-media img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.6s var(--ease);
}
.news-card:hover .news-card-media img { transform: scale(1.06); }
.news-card-tag {
  position: absolute; top: 14px; left: 14px;
  background: var(--red-600); color: var(--white);
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.02em;
  padding: 6px 12px; border-radius: 999px;
  box-shadow: var(--shadow-sm);
}
.news-body { padding: 22px; }
.news-date { font-size: 0.8rem; color: var(--gray-500); font-weight: 600; margin-bottom: 8px; display: block; }
.news-body h3 { font-size: 1.08rem; margin-bottom: 10px; font-family: var(--font-body); font-weight: 700; color: var(--navy-800); }
.news-body p { font-size: 0.9rem; color: var(--gray-700); margin-bottom: 16px; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: 0.88rem; color: var(--navy-800); transition: gap 0.25s var(--ease), color 0.25s var(--ease); }
.link-arrow:hover { gap: 10px; color: var(--red-600); }
.news-foot { text-align: center; }

@media (max-width: 860px) {
  .news-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,0.75); padding: 80px 0 28px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand .brand { color: var(--white); margin-bottom: 16px; }
.footer-brand-text { text-align: justify; }
.footer-brand p { font-size: 0.9rem; max-width: 32ch; margin-bottom: 20px; }
.social-row { display: flex; gap: 10px; }
.social-row a {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--red-600); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  transition: background-color 0.25s var(--ease), transform 0.25s var(--ease);
}
.social-row a:hover { background: var(--red-700); transform: translateY(-3px); }
.social-icon-placeholder {
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(255,255,255,0.12); color: rgba(255,255,255,0.35);
  display: flex; align-items: center; justify-content: center;
  cursor: default;
}
.footer-col h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 20px; font-family: var(--font-body); font-weight: 700; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col a { font-size: 0.9rem; transition: color 0.2s var(--ease), padding-left 0.2s var(--ease); }
.footer-col a:hover { color: var(--red-600); padding-left: 4px; }
.footer-col address { font-style: normal; font-size: 0.9rem; display: flex; flex-direction: column; gap: 14px; }
.contact-line { display: flex; align-items: flex-start; gap: 10px; text-align: left; }
.contact-text { text-align: left; }
.contact-icon { flex-shrink: 0; margin-top: 2px; color: var(--red-600); }
.newsletter-form { display: flex; margin-top: 6px; border-radius: 999px; overflow: hidden; background: rgba(255,255,255,0.08); padding: 4px; }
.newsletter-form input {
  flex: 1; border: none; background: transparent; padding: 10px 14px; color: var(--white); font-size: 0.88rem;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input:focus { outline: none; }
.newsletter-form button {
  border: none; background: var(--red-600); color: var(--white); font-weight: 700; font-size: 0.82rem;
  padding: 0 20px; border-radius: 999px; transition: background-color 0.25s var(--ease);
}
.newsletter-form button:hover { background: var(--red-700); }
.form-note { font-size: 0.78rem; margin-top: 10px; color: rgba(255,255,255,0.45); }
.footer-bottom {
  padding-top: 24px; font-size: 0.82rem; color: rgba(255,255,255,0.45);
  text-align: center;
}

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Back to top
   ========================================================================== */
.back-to-top {
  position: fixed; right: 24px; bottom: 24px; z-index: 900;
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--navy-800); color: var(--white); border: none;
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; transform: translateY(12px); pointer-events: none;
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), background-color 0.3s var(--ease);
}
.back-to-top.is-visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.back-to-top:hover { background: var(--red-600); }

/* Toast (retour visuel simple) */
.toast {
  position: fixed; left: 50%; bottom: 90px; z-index: 1200;
  transform: translate(-50%, 20px);
  background: var(--navy-800); color: var(--white);
  padding: 14px 22px; border-radius: 999px;
  font-size: 0.9rem; font-weight: 600;
  box-shadow: var(--shadow-md);
  opacity: 0; pointer-events: none;
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease);
}
.toast.is-visible { opacity: 1; transform: translate(-50%, 0); }

/* Page générique (pages secondaires) */
.page-hero { background: var(--cream-100); padding: 64px 0 56px; }
.page-hero h1 { font-size: clamp(1.9rem, 3.6vw, 2.6rem); margin-bottom: 12px; }
.breadcrumb { font-size: 0.85rem; color: var(--gray-500); margin-bottom: 16px; }
.breadcrumb a:hover { color: var(--red-600); }

/* Timeline (historique) */
.timeline { position: relative; max-width: 760px; margin: 0 auto; }
.timeline::before {
  content: ''; position: absolute; left: 50%; top: 6px; bottom: 6px; width: 2px;
  background: var(--gray-200); transform: translateX(-50%);
}
.timeline-item { position: relative; width: 50%; padding: 0 44px 48px; box-sizing: border-box; }
.timeline-item:nth-child(odd) { left: 0; text-align: right; }
.timeline-item:nth-child(even) { left: 50%; text-align: left; }
.timeline-dot {
  position: absolute; top: 4px; width: 14px; height: 14px; border-radius: 50%;
  background: var(--red-600); border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--red-600);
}
.timeline-item:nth-child(odd) .timeline-dot { right: -8px; }
.timeline-item:nth-child(even) .timeline-dot { left: -8px; }
.timeline-year { display: inline-block; font-family: var(--font-display); font-weight: 700; color: var(--red-600); font-size: 1.3rem; margin-bottom: 6px; }
.timeline-card h3 { font-size: 1.05rem; margin-bottom: 8px; color: var(--navy-800); }
.timeline-card p { font-size: 0.9rem; color: var(--gray-700); }
@media (max-width: 700px) {
  .timeline::before { left: 14px; }
  .timeline-item, .timeline-item:nth-child(odd), .timeline-item:nth-child(even) {
    width: 100%; left: 0; text-align: left; padding: 0 0 40px 44px;
  }
  .timeline-item:nth-child(odd) .timeline-dot, .timeline-item:nth-child(even) .timeline-dot { left: 8px; right: auto; }
}

/* Mission / Vision */
.mv-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.mv-card { background: var(--navy-700); border-radius: var(--radius-md); padding: 34px 28px; transition: transform 0.35s var(--ease), background-color 0.35s var(--ease); }
.mv-card:hover { transform: translateY(-6px); background: var(--navy-600); }
.mv-card h3 { color: var(--white); font-family: var(--font-body); font-size: 1.2rem; margin: 8px 0 12px; }
.mv-card p { color: rgba(255,255,255,0.7); font-size: 0.92rem; }
@media (max-width: 700px) { .mv-grid { grid-template-columns: 1fr; } }

/* Valeurs */
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.value-card {
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 28px 22px; text-align: center; transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
}
.value-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.value-card .product-card-icon { margin-left: auto; margin-right: auto; }
.value-card h3 { font-size: 1.02rem; color: var(--navy-800); margin-bottom: 8px; font-family: var(--font-body); }
.value-card p { font-size: 0.86rem; color: var(--gray-700); }
@media (max-width: 860px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .values-grid { grid-template-columns: 1fr; } }

/* Variante 5 colonnes : 10 règles avec icône (même traitement visuel que les cartes produits/mission), 2 lignes de 5 */
.values-grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; }
.value-card-rule {
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 26px 20px; text-align: center; transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
  display: flex; flex-direction: column; align-items: center; gap: 14px;
}
.value-card-rule:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.value-card-rule .value-check {
  width: 52px; height: 52px; border-radius: 50%; background: var(--cream-100);
  font-size: 1.4rem;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.value-card-rule p { font-size: 0.88rem; color: var(--gray-700); line-height: 1.5; margin: 0; }
@media (max-width: 1100px) { .values-grid-5 { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 700px) { .values-grid-5 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .values-grid-5 { grid-template-columns: 1fr; } }

/* Organigramme */
.org-chart { display: flex; flex-direction: column; align-items: center; }
.org-connector { width: 2px; height: 32px; background: var(--gray-200); }
.org-connector-sm { width: 2px; height: 16px; background: var(--gray-200); }
.org-level-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 20px; margin-top: 0; }
.org-card {
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 20px 24px; text-align: center; min-width: 200px;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
  box-shadow: var(--shadow-sm);
}
.org-card-lead { border-color: var(--navy-800); border-width: 2px; }
.org-avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--navy-800); color: var(--white);
  display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.85rem; margin-bottom: 6px;
}
.org-card strong { color: var(--navy-800); font-size: 0.95rem; }
.org-card span { color: var(--gray-500); font-size: 0.82rem; }

/* Organigramme complet (Gouvernance) — véritable diagramme arborescent
   avec traits de connexion (motif CSS "pure tree", sans JavaScript ni
   mesure de largeur), fidèle à la structure boîtes-et-lignes de
   l'organigramme officiel. */
.org-chart-full { display: flex; flex-direction: column; align-items: center; }
.org-branches-row {
  display: flex;
  justify-content: center;
  align-items: flex-start;
  gap: 16px;
  margin-top: 4px;
  width: 100%;
  flex-wrap: nowrap;
}
.org-branch { display: flex; flex-direction: column; align-items: center; flex: 1 1 0; min-width: 0; width: 100%; }
.org-dept-head {
  position: relative;
  width: 100%;
  box-sizing: border-box;
  cursor: pointer;
  font-family: inherit;
  font-size: inherit;
  appearance: none;
  -webkit-appearance: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.org-dept-head:hover,
.org-dept-head:focus-visible { border-color: var(--navy-600); box-shadow: var(--shadow-md); }
.org-dept-head strong { text-align: left; }
.org-toggle-icon {
  flex-shrink: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--cream-100);
  color: var(--navy-800);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease);
}
.org-branch.is-open .org-toggle-icon { transform: rotate(45deg); background: var(--navy-800); color: var(--white); }
.org-dept-children {
  list-style: none;
  margin: 0;
  padding: 0;
  overflow: hidden;
  max-height: 0;
  opacity: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  width: 100%;
  margin-top: 0;
  transition: max-height 0.35s var(--ease), opacity 0.25s var(--ease), margin-top 0.35s var(--ease);
}
.org-branch.is-open .org-dept-children {
  max-height: 600px;
  opacity: 1;
  margin-top: 16px;
}
.org-dept-children > li { list-style: none; }
.org-dept-children .org-child { width: 100%; box-sizing: border-box; min-width: 0; text-align: center; }

.org-branch-children {
  list-style: none;
  margin: 0;
  padding: 20px 0 0;
  display: flex;
  position: relative;
  width: 100%;
  max-width: 640px;
}
.org-branch-children::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  width: 0;
  height: 20px;
  border-left: 1px solid var(--gray-200);
}
.org-branch-children > li {
  position: relative;
  padding: 20px 10px 0;
  list-style: none;
  flex: 1 1 0;
  display: flex;
}
.org-branch-children > li > .org-card { width: 100%; box-sizing: border-box; }
.org-branch-children > li::before,
.org-branch-children > li::after {
  content: '';
  position: absolute;
  top: 0;
  right: 50%;
  width: 50%;
  height: 20px;
  border-top: 1px solid var(--gray-200);
}
.org-branch-children > li::after {
  right: auto;
  left: 50%;
  border-top: 1px solid var(--gray-200);
  border-left: 1px solid var(--gray-200);
}
.org-branch-children > li:first-child::before { border: 0 none; }
.org-branch-children > li:last-child::after { border: 0 none; }
.org-branch-children > li:only-child::before,
.org-branch-children > li:only-child::after { display: none; }
.org-branch-children > li:only-child { padding-top: 20px; }
.org-branch-children > li:first-child::after { border-radius: 6px 0 0 0; }
.org-branch-children > li:last-child::before { border-radius: 0 6px 0 0; }
.org-child { min-width: 150px; padding: 14px 16px; font-size: 0.85rem; color: var(--navy-800); font-weight: 600; white-space: normal; }

@media (max-width: 720px) {
  .org-branches-row { flex-wrap: wrap; }
  .org-branch { flex: 1 1 calc(50% - 8px); }
}
@media (max-width: 560px) {
  .org-branch-children { flex-direction: column; max-width: 100%; }
  .org-branch-children::before { display: none; }
  .org-branch-children > li { padding: 0; margin-top: 14px; flex: 1 1 auto; }
  .org-branch-children > li::before,
  .org-branch-children > li::after { display: none; }
  .org-branch { flex: 1 1 100%; }
}

/* Bandeau CTA générique */
.cta-banner {
  background: var(--navy-800); border-radius: var(--radius-lg); padding: 56px 40px; text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 12px; font-size: clamp(1.5rem, 2.6vw, 2rem); }
.cta-banner p { color: rgba(255,255,255,0.7); margin-bottom: 28px; }
.cta-banner .wp-block-buttons { justify-content: center; gap: 14px; }
.cta-banner .wp-block-button__link.btn { padding: 14px 26px; border-radius: 999px; font-weight: 600; font-size: 0.95rem; }
.cta-banner .btn-primary { background: var(--white); color: var(--navy-800); }
.cta-banner .btn-primary:hover { background: var(--cream-100); }
.cta-banner .btn-outline {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.6);
  color: var(--white);
}
.cta-banner .btn-outline:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: var(--white);
}

/* Carte agrandie (page agences) */
.network-map-large {
  max-width: 100%; margin: 0 auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  background: var(--white);
  position: relative;
  aspect-ratio: 16/7;
}
.network-map-large .agences-leaflet-map { border-radius: var(--radius-lg); }
@media (max-width: 700px) {
  .network-map-large { aspect-ratio: 4/3; }
}

/* Grille des agences */
.agency-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.agency-card {
  position: relative;
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 26px 24px; transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
}
.agency-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.agency-card-hq { border-color: var(--navy-800); border-width: 2px; }
.agency-badge {
  position: absolute; top: -12px; right: 20px;
  background: var(--red-600); color: var(--white); font-size: 0.7rem; font-weight: 700;
  padding: 5px 12px; border-radius: 999px; letter-spacing: 0.03em;
}
.agency-icon { font-size: 1.3rem; margin-bottom: 10px; }
.agency-card h3 { font-size: 1.05rem; color: var(--navy-800); margin-bottom: 10px; font-family: var(--font-body); }
.agency-line { font-size: 0.86rem; color: var(--gray-700); margin-bottom: 4px; }
@media (max-width: 900px) { .agency-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .agency-grid { grid-template-columns: 1fr; } }

/* Cartes produits détaillées (épargne / crédit) */
.epargne-grid, .credit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
.epargne-card, .credit-card {
  position: relative;
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 30px 26px; display: flex; flex-direction: column;
  transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
}
.epargne-card:hover, .credit-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.epargne-card-highlight, .credit-card-highlight { border-color: var(--navy-800); border-width: 2px; }
.epargne-badge, .credit-badge {
  position: absolute; top: -13px; left: 26px;
  background: var(--red-600); color: var(--white); font-size: 0.72rem; font-weight: 700;
  padding: 5px 14px; border-radius: 999px; letter-spacing: 0.03em;
}
.epargne-card h3, .credit-card h3 { font-size: 1.15rem; color: var(--navy-800); margin-bottom: 10px; font-family: var(--font-body); }
.epargne-card p, .credit-card p { font-size: 0.9rem; color: var(--gray-700); margin-bottom: 18px; }
.feature-list { list-style: none; padding: 0; margin: 0 0 24px; flex-grow: 1; }
.feature-list li {
  font-size: 0.88rem; color: var(--gray-700); padding-left: 26px; position: relative; margin-bottom: 10px;
}
.feature-list li::before {
  content: '✓'; position: absolute; left: 0; top: 0;
  color: var(--red-600); font-weight: 700;
}

/* Liste de valeurs/règles en pleine page (ex. page À propos) */
.values-list-wrap { max-width: 720px; margin: 0 auto; }
.values-list-intro { text-align: center; font-size: 1rem; color: var(--gray-700); margin-bottom: 32px; }
.values-list { list-style: none; padding: 0; margin: 0; }
.values-list li {
  font-size: 0.98rem; color: var(--gray-700); padding: 12px 0 12px 34px; position: relative;
  border-bottom: 1px solid var(--gray-200);
}
.values-list li:last-child { border-bottom: none; }
.values-list li::before {
  content: '✓'; position: absolute; left: 0; top: 12px;
  color: var(--red-600); font-weight: 700; font-size: 1.1rem;
}
@media (max-width: 900px) { .epargne-grid, .credit-grid { grid-template-columns: 1fr; } }

/* Étapes du processus (crédit) */
.steps-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step-card { text-align: center; position: relative; }
.step-number {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy-800); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 1.1rem;
  margin: 0 auto 14px;
}
.step-card h3 { font-size: 1rem; color: var(--navy-800); margin-bottom: 8px; font-family: var(--font-body); }
.step-card p { font-size: 0.85rem; color: var(--gray-700); }
@media (max-width: 700px) { .steps-row { grid-template-columns: repeat(2, 1fr); gap: 32px 16px; } }

/* Page Contact */
.contact-info-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.contact-info-card {
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 26px 22px; text-align: center; transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
}
.contact-info-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.contact-info-icon { color: var(--red-600); margin-bottom: 12px; }
.contact-info-card h3 { font-size: 0.98rem; color: var(--navy-800); margin-bottom: 6px; font-family: var(--font-body); }
.contact-info-card p { font-size: 0.86rem; color: var(--gray-700); }
@media (max-width: 900px) { .contact-info-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .contact-info-grid { grid-template-columns: 1fr; } }

.contact-split { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: start; }
.contact-form-wrap h2 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); margin-bottom: 8px; }
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 0.85rem; font-weight: 600; color: var(--navy-800); }
.form-field input, .form-field select, .form-field textarea {
  border: 1px solid var(--gray-200); border-radius: var(--radius-sm);
  padding: 12px 14px; font-family: inherit; font-size: 0.92rem; color: var(--gray-700);
  transition: border-color 0.2s var(--ease);
  background: var(--white);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--navy-800);
}
.contact-form .form-note { color: var(--gray-500); }
@media (max-width: 900px) { .contact-split { grid-template-columns: 1fr; } .form-row { grid-template-columns: 1fr; } }

.contact-map-wrap { position: sticky; top: 110px; }
.contact-map-iframe {
  width: 100%; height: 420px; border: 0; border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
}
@media (max-width: 900px) { .contact-map-wrap { position: static; } .contact-map-iframe { height: 320px; } }

/* Formulaires longs (crédit / ouverture de compte) */
.app-form-layout { max-width: 700px; margin: 0 auto; }
.app-form { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-sm); }
.form-section-title {
  font-family: var(--font-display); font-weight: 700; color: var(--navy-800); font-size: 1.05rem;
  padding-bottom: 10px; margin-top: 8px; border-bottom: 2px solid var(--cream-100);
}
.doc-list { list-style: none; padding: 0; margin: 0 0 8px; }
.doc-list li {
  font-size: 0.88rem; color: var(--gray-700); padding-left: 26px; position: relative; margin-bottom: 10px;
}
.doc-list li::before { content: '✓'; position: absolute; left: 0; top: 0; color: var(--red-600); font-weight: 700; }

.account-type-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.account-type-option input { position: absolute; opacity: 0; }
.account-type-card {
  display: flex; flex-direction: column; gap: 4px;
  border: 2px solid var(--gray-200); border-radius: var(--radius-sm);
  padding: 16px; cursor: pointer; transition: border-color 0.2s var(--ease), background-color 0.2s var(--ease);
}
.account-type-card strong { font-size: 0.92rem; color: var(--navy-800); }
.account-type-card span:last-child { font-size: 0.78rem; color: var(--gray-500); }
.account-type-option input:checked + .account-type-card { border-color: var(--red-600); background: var(--cream-100); }
@media (max-width: 700px) {
  .app-form { padding: 26px 20px; }
  .account-type-grid { grid-template-columns: 1fr; }
}

/* Simulateur de prêt */
.simulator-layout { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; max-width: 980px; margin: 0 auto; align-items: start; }
.simulator-inputs { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 36px; display: flex; flex-direction: column; gap: 26px; }
.sim-value-row { display: flex; flex-direction: column; gap: 10px; }
.sim-value-row input[type="range"] { width: 100%; accent-color: var(--red-600); }
.sim-value { font-family: var(--font-display); font-weight: 700; color: var(--navy-800); font-size: 1.1rem; }
.simulator-result {
  background: var(--navy-900); color: var(--white); border-radius: var(--radius-lg);
  padding: 36px; display: flex; flex-direction: column; position: sticky; top: 110px;
}
.sim-result-main { margin: 14px 0 24px; }
.sim-result-main span { font-family: var(--font-display); font-size: 2.4rem; font-weight: 700; display: block; }
.sim-result-main small { color: rgba(255,255,255,0.6); font-size: 0.85rem; }
.sim-result-details { display: flex; flex-direction: column; gap: 12px; border-top: 1px solid rgba(255,255,255,0.15); padding-top: 18px; }
.sim-result-details div { display: flex; justify-content: space-between; font-size: 0.88rem; }
.sim-result-details span { color: rgba(255,255,255,0.6); }
.sim-result-details strong { color: var(--white); }
@media (max-width: 860px) {
  .simulator-layout { grid-template-columns: 1fr; }
  .simulator-result { position: static; }
}

/* Cartes documents (rapports / téléchargements) */
.doc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; max-width: 900px; margin: 0 auto; }
.doc-card {
  display: flex; align-items: center; gap: 16px;
  background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  padding: 18px 20px; transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.doc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.doc-card-icon { font-size: 1.6rem; flex-shrink: 0; }
.doc-card-body { flex-grow: 1; }
.doc-card-body h3 { font-size: 0.96rem; color: var(--navy-800); margin-bottom: 4px; font-family: var(--font-body); }
.doc-card-body span { font-size: 0.78rem; color: var(--gray-500); }
@media (max-width: 700px) { .doc-grid { grid-template-columns: 1fr; } .doc-card { flex-wrap: wrap; } }

/* FAQ */
.faq-layout { max-width: 780px; margin: 0 auto; display: flex; flex-direction: column; gap: 36px; }
.faq-group-title { font-size: 1.2rem; margin-bottom: 14px; color: var(--red-600); font-family: var(--font-body); font-weight: 700; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  background: none; border: none; text-align: left; cursor: pointer;
  padding: 18px 4px; font-family: inherit; font-size: 0.98rem; font-weight: 600; color: var(--navy-800);
}
.faq-toggle { font-size: 1.3rem; color: var(--red-600); flex-shrink: 0; margin-left: 16px; transition: transform 0.25s var(--ease); }
.faq-item.is-open .faq-toggle { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s var(--ease); }
.faq-item.is-open .faq-answer { max-height: 240px; }
.faq-answer p { padding: 0 4px 18px; font-size: 0.9rem; color: var(--gray-700); }

/* État vide (recrutement) */
.jobs-empty {
  max-width: 480px; margin: 0 auto; text-align: center;
  background: var(--cream-100); border-radius: var(--radius-lg); padding: 48px 32px;
}
.jobs-empty-icon { font-size: 2.2rem; margin-bottom: 14px; }
.jobs-empty h3 { font-size: 1.1rem; color: var(--navy-800); margin-bottom: 10px; }
.jobs-empty p { font-size: 0.9rem; color: var(--gray-700); }

/* Pages légales */
.legal-content { max-width: 760px; margin: 0 auto; }
.legal-disclaimer {
  background: #fff4e5; border: 1px solid #f3c98b; color: #8a5a10;
  border-radius: var(--radius-sm); padding: 14px 18px; font-size: 0.86rem; margin-bottom: 36px;
}
.legal-content h2 { font-size: 1.15rem; margin: 32px 0 12px; }
.legal-content h2:first-of-type { margin-top: 0; }
.legal-content p { font-size: 0.92rem; color: var(--gray-700); margin-bottom: 8px; }
.legal-content ul { list-style: disc; padding-left: 22px; margin: 0 0 16px; }
.legal-content li { font-size: 0.92rem; color: var(--gray-700); margin-bottom: 6px; }
.legal-content strong { color: var(--navy-800); }
.legal-content hr { border: none; border-top: 1px solid var(--gray-200); margin: 36px 0; }

/* ==========================================================================
   Intégration WordPress — classes ajoutées lors du portage du thème
   ========================================================================== */

/* Lien d'évitement (accessibilité clavier, standard WordPress) */
.skip-link.screen-reader-text {
  position: absolute; left: -9999px; top: 0; z-index: 100000;
  background: var(--navy-800); color: var(--white);
  padding: 12px 20px; border-radius: 0 0 var(--radius-sm) 0;
  font-weight: 600; font-size: 0.9rem;
}
.skip-link.screen-reader-text:focus { left: 0; }

/* Contenu d'un article (single.php) rendu par the_content() */
.single-content { max-width: 760px; margin: 0 auto; font-size: 0.98rem; color: var(--gray-700); line-height: 1.75; }
.single-content h2, .single-content h3 { margin: 32px 0 14px; }
.single-content p { margin-bottom: 16px; }
.single-content img { border-radius: var(--radius-md); margin: 20px 0; }
.single-featured-image { border-radius: var(--radius-lg); overflow: hidden; max-height: 480px; }
.single-featured-image img { width: 100%; height: 100%; object-fit: cover; }

/* Avis discret si un menu WordPress n'est pas encore configuré */
.footer-menu-notice { font-size: 0.72rem; color: rgba(255,255,255,0.35); margin-top: 10px; font-style: italic; }

/* Formulaire de recherche (page 404) */
.search-form-404 { display: flex; gap: 8px; }
.search-form-404 input {
  flex: 1; border: 1px solid var(--gray-200); border-radius: 999px;
  padding: 12px 18px; font-family: inherit; font-size: 0.9rem;
}
.search-form-404 button {
  border: none; background: var(--navy-800); color: var(--white);
  border-radius: 999px; padding: 0 22px; font-weight: 600; cursor: pointer;
  transition: background-color 0.2s var(--ease);
}
.search-form-404 button:hover { background: var(--red-600); }

/* Pagination WordPress native (the_posts_pagination) */
.pagination-wrap .page-numbers {
  display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 50%; margin: 0 4px;
  color: var(--navy-800); font-weight: 600; font-size: 0.9rem;
  transition: background-color 0.2s var(--ease), color 0.2s var(--ease);
}
.pagination-wrap .page-numbers.current { background: var(--navy-800); color: var(--white); }
.pagination-wrap .page-numbers:hover:not(.current) { background: var(--cream-100); color: var(--red-600); }

/* Filtres actualités */
.news-filters { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; }
.news-filter-btn {
  border: 2px solid var(--gray-200); background: var(--white); color: var(--gray-700);
  font-family: inherit; font-weight: 600; font-size: 0.88rem;
  padding: 10px 20px; border-radius: 999px; cursor: pointer;
  transition: border-color 0.2s var(--ease), background-color 0.2s var(--ease), color 0.2s var(--ease);
}
.news-filter-btn:hover { border-color: var(--red-600); color: var(--red-600); }
.news-filter-btn.is-active { background: var(--navy-800); border-color: var(--navy-800); color: var(--white); }
.news-grid-full { grid-template-columns: repeat(3, 1fr); }
.news-card.is-hidden { display: none; }
@media (max-width: 860px) { .news-grid-full { grid-template-columns: 1fr; } }

/* ==========================================================================
   Cadre décoratif décalé (bleu), en pulsation continue — remplace l'ancienne
   bordure rouge sur les visuels clés : image hero, photo Administrateur
   (accueil + gouvernance/à propos), photo "À propos de la CMCA" (accueil),
   carte "Réseau d'agences" (accueil + page Agences). Un pseudo-élément
   décalé en haut-à-gauche vient se glisser derrière la photo, qui reste
   opaque et masque le reste du cadre — d'où le liseré bleu visible
   uniquement sur les bords supérieur et gauche. Il apparaît/disparaît en
   boucle, sans dépendre du focus clavier.
   ========================================================================== */
.hero-media::before,
.about-media::before,
.network-map::before,
.network-map-large::before {
  content: '';
  position: absolute;
  top: -14px;
  left: -14px;
  width: 100%;
  height: 100%;
  background: var(--navy-600);
  z-index: -1;
  pointer-events: none;
  opacity: 0;
  animation: cmca-frame-pulse 3.2s ease-in-out infinite;
}
.hero-media::before { border-radius: 0 200px 0 200px; }
.about-media::before { border-radius: 0 200px 0 200px; }
.network-map::before { border-radius: var(--radius-md); }
.network-map-large::before { border-radius: var(--radius-lg); }

/* Décalage aléatoire du départ de boucle pour que les cadres ne
   pulsent pas tous exactement en même temps sur une même page. */
.about-media::before { animation-delay: 0.6s; }
.network-map::before { animation-delay: 1.1s; }
.network-map-large::before { animation-delay: 1.1s; }

@keyframes cmca-frame-pulse {
  0%, 100% { opacity: 0; }
  50% { opacity: 1; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-media::before,
  .about-media::before,
  .network-map::before,
  .network-map-large::before {
    animation: none;
    opacity: 1;
  }
}

@media (max-width: 600px) {
  .hero-media::before,
  .about-media::before,
  .network-map::before,
  .network-map-large::before { top: -8px; left: -8px; }
}

/* ==========================================================================
   Bandeau supérieur (top-bar) — contact, localisation, réseaux sociaux,
   recherche. Non "sticky" : défile normalement, seul .site-header reste
   collé en haut au scroll (comportement inchangé).
   ========================================================================== */
.top-bar {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.82rem;
}
.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 42px;
}
.top-bar-contact {
  display: flex;
  align-items: center;
  gap: 26px;
  min-width: 0;
}
.top-bar-item {
  display: flex;
  align-items: center;
  gap: 7px;
  color: inherit;
  white-space: nowrap;
}
.top-bar-item strong { color: var(--white); font-weight: 600; }
a.top-bar-item:hover { color: var(--white); }
.top-bar-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}
.top-bar-social {
  display: flex;
  align-items: center;
  gap: 14px;
}
.top-bar-social a {
  color: rgba(255, 255, 255, 0.75);
  display: flex;
  transition: color 0.2s var(--ease);
}
.top-bar-social a:hover { color: var(--white); }

@media (max-width: 680px) {
  .top-bar-inner { height: auto; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; gap: 8px 20px; }
  .top-bar-contact { flex-wrap: wrap; gap: 8px 20px; }
}

/* ==========================================================================
   Diaporama de l'image hero (accueil) — fondu enchaîné entre les
   diapositives, avec puces de navigation. Le conteneur .hero-slider
   réutilise .img-photo (position:relative + overflow:hidden déjà définis).
   ========================================================================== */
.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity 1.1s var(--ease);
  z-index: 0;
}
.hero-slide.is-active { opacity: 1; z-index: 1; }
.hero-slide img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }

.hero-slider-dots {
  position: absolute;
  z-index: 3;
  left: 50%;
  bottom: 22px;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}
.hero-slider-dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  border: none;
  background: rgba(255, 255, 255, 0.55);
  padding: 0;
  cursor: pointer;
  transition: background 0.25s var(--ease), transform 0.25s var(--ease);
}
.hero-slider-dot.is-active { background: var(--white); transform: scale(1.25); }
.hero-slider-dot:hover { background: rgba(255, 255, 255, 0.85); }

/* ==========================================================================
   Hero plein écran (accueil) — remplace l'ancien hero 2 colonnes. Chaque
   diapositive est une photo pleine largeur avec un texte propre (accroche,
   titre, texte, CTA), fondu enchaîné entre diapositives, flèches + puces.
   Une carte "CMCA en chiffres" flotte à cheval sur le bord inférieur du
   hero (négatif margin-top), reprenant les 4 statistiques auparavant dans
   une section séparée plus bas sur la page.
   ========================================================================== */
.hero-full {
  position: relative;
  min-height: 640px;
  overflow: hidden;
  background: var(--navy-900);
}
.hero-slide-full {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center 35%;
  opacity: 0;
  z-index: 0;
  transition: opacity 2.2s ease-in-out;
  display: flex;
  align-items: center;
}
.hero-slide-full.is-active { opacity: 1; z-index: 1; }
.hero-slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(13,33,65,0.85) 0%, rgba(13,33,65,0.6) 45%, rgba(13,33,65,0.25) 100%);
}
.hero-slide-content {
  position: relative;
  z-index: 1;
  width: 100%;
  box-sizing: border-box;
  text-align: left;
  color: var(--white);
  padding: 90px 24px 170px;
  padding-left: max(24px, calc((100% - var(--container)) / 2 + 24px));
}
.hero-slide-content h1,
.hero-slide-content .eyebrow,
.hero-slide-content > p,
.hero-slide-content .hero-ctas {
  max-width: 560px;
}
.hero-slide-content .eyebrow {
  color: var(--white);
  background: rgba(214, 41, 58, 0.9);
  padding: 6px 14px;
  border-radius: 999px;
}
.hero-slide-content h1 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.3rem); margin: 18px 0 14px; }
.hero-slide-content p { color: rgba(255,255,255,0.88); font-size: 0.92rem; max-width: 480px; margin-right: auto; margin-bottom: 24px; }
.hero-slide-content .btn-primary { background: var(--white); color: var(--navy-800); }
.hero-slide-content .btn-primary:hover { background: var(--cream-100); }
.hero-slide-content .hero-ctas { justify-content: flex-start; }

.hero-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 3;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.35);
  color: var(--white);
  font-size: 1.4rem;
  line-height: 1;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  transition: background 0.2s var(--ease);
}
.hero-arrow:hover { background: rgba(255,255,255,0.32); }
.hero-arrow-prev { left: 24px; }
.hero-arrow-next { right: 24px; }

.hero-full .hero-slider-dots {
  position: absolute;
  z-index: 3;
  left: 50%;
  bottom: 100px;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}
.hero-full .hero-slider-dot {
  width: 9px; height: 9px;
  border-radius: 50%;
  border: none;
  background: rgba(255, 255, 255, 0.5);
  padding: 0;
  cursor: pointer;
  transition: background 0.25s var(--ease), transform 0.25s var(--ease);
}
.hero-full .hero-slider-dot.is-active { background: var(--white); transform: scale(1.25); }

.hero-stats-float {
  position: relative;
  z-index: 4;
  margin-top: -40px;
}
.hero-stats-card {
  background: var(--navy-900);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 44px 40px;
}
.stats-row-float {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  text-align: center;
}
.stat-item-float strong {
  display: block; font-family: var(--font-body); font-weight: 800;
  font-size: clamp(1.7rem, 2.9vw, 2.4rem);
  color: var(--white);
  font-variant-numeric: tabular-nums;
}
.stat-item-float span { color: rgba(255, 255, 255, 0.65); font-size: 0.92rem; font-weight: 600; }
.hero-stats-compliance {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  margin-top: 30px;
  padding-top: 26px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.92rem;
  text-align: center;
}
.hero-stats-compliance .badge-icon {
  width: 22px; height: 22px; border-radius: 50%; background: var(--red-600); color: var(--white);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 0.7rem;
}

@media (max-width: 900px) {
  .hero-slide-content { max-width: 100%; padding: 70px 24px 180px; padding-left: max(24px, calc((100% - var(--container)) / 2 + 24px)); }
  .stats-row-float { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .hero-full { min-height: 560px; }
  .hero-arrow { width: 36px; height: 36px; font-size: 1.1rem; }
  .hero-full .hero-slider-dots { bottom: 130px; }
  .hero-stats-float { margin-top: -48px; }
  .hero-stats-card { padding: 28px 20px; }
  .stats-row-float { gap: 20px 12px; }
  .hero-stats-compliance { margin-top: 22px; padding-top: 20px; font-size: 0.85rem; }
}

/* ==========================================================================
   Marqueurs de la carte des agences (Leaflet) — points personnalisés en
   DivIcon plutôt que l'icône par défaut de Leaflet (qui nécessite des
   fichiers image séparés non inclus quand la librairie est chargée
   depuis un CDN). Le siège social reçoit un marqueur nettement plus
   grand pour ressortir parmi les autres agences.
   ========================================================================== */
.agence-marker svg {
  filter: drop-shadow(0 3px 6px rgba(13, 33, 65, 0.35));
  transition: transform 0.2s var(--ease);
}
.agence-marker:hover svg { transform: scale(1.08); }
.agence-marker-siege svg {
  filter: drop-shadow(0 4px 10px rgba(13, 33, 65, 0.45));
}
.leaflet-popup-content-wrapper { border-radius: var(--radius-sm); }
.agence-map-popup { font-family: var(--font-body); min-width: 160px; }
.agence-map-popup strong { display: block; color: var(--navy-800); font-size: 0.95rem; margin-bottom: 4px; }
.agence-map-popup p { color: var(--gray-700); font-size: 0.85rem; margin: 2px 0; }
.agence-map-popup-badge {
  display: inline-block;
  background: var(--red-600);
  color: var(--white);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 2px 8px;
  border-radius: 999px;
  margin-bottom: 6px;
}

/* ==========================================================================
   Page "Ouverture de compte" — contenu éditorial illustré (remplace
   l'ancien formulaire de démonstration non connecté).
   ========================================================================== */
.account-intro-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  margin-bottom: 48px;
}
.account-intro-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  aspect-ratio: 4/3;
}
.account-intro-media img { width: 100%; height: 100%; object-fit: cover; }
.account-content-narrow { max-width: 760px; margin: 0 auto; }
.account-fees-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.account-intro-lead {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy-800);
  margin-bottom: 16px;
}
.account-intro-text { color: var(--gray-700); line-height: 1.7; }

.account-section { margin-top: 56px; }
.account-section h2 {
  font-size: clamp(1.3rem, 2.2vw, 1.7rem);
  color: var(--navy-800);
  margin-bottom: 20px;
}

.fee-table-wrap { max-width: 100%; overflow-x: auto; }
.fee-table { width: 100%; border-collapse: collapse; }
.fee-table th, .fee-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}
.fee-table th {
  background: var(--navy-800);
  color: var(--white);
  font-weight: 600;
  font-size: 0.9rem;
}
.fee-table th:last-child, .fee-table td:last-child { text-align: right; }
.fee-table tbody tr:nth-child(odd) { background: var(--cream-100); }
.fee-table tfoot td {
  font-weight: 700;
  color: var(--navy-800);
  border-bottom: none;
  border-top: 2px solid var(--navy-800);
  font-size: 1.02rem;
}

.account-steps {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 32px 24px;
}
.account-step {
  flex: 1 1 180px;
  max-width: 220px;
  text-align: center;
  position: relative;
}
.account-step-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin: 0 auto 14px;
  position: relative;
}
.account-step-icon::after {
  content: attr(data-step);
  position: absolute;
  top: -6px; right: -6px;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--red-600);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid var(--white);
}
.account-step h3 { font-size: 0.98rem; color: var(--navy-800); margin-bottom: 6px; font-family: var(--font-body); }
.account-step p { font-size: 0.85rem; color: var(--gray-700); line-height: 1.5; }

.account-help-note {
  background: var(--cream-100);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  color: var(--gray-700);
  font-size: 0.92rem;
  margin-top: 56px;
}
.account-help-note strong { display: block; color: var(--navy-800); margin-bottom: 6px; font-size: 1rem; }
.account-signature {
  text-align: center;
  margin-top: 32px;
  font-weight: 700;
  color: var(--navy-800);
}

@media (max-width: 600px) {
  .account-intro-grid { grid-template-columns: 1fr; gap: 24px; }
  .account-fees-grid { grid-template-columns: 1fr; gap: 40px; }
  .account-steps { justify-content: flex-start; }
  .account-step { flex: 1 1 140px; }
}

/* ==========================================================================
   Page "Demande de crédit" — contenu éditorial (remplace l'ancien
   formulaire de démonstration).
   ========================================================================== */
.credit-lead-note {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: var(--cream-100);
  border-left: 4px solid var(--navy-800);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 26px 28px;
}
.credit-lead-note-icon {
  flex-shrink: 0;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
}
.credit-lead-note h3 { color: var(--navy-800); font-size: 1.05rem; margin-bottom: 8px; }
.credit-lead-note p { color: var(--gray-700); font-size: 0.92rem; line-height: 1.6; margin: 0; }

.profile-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.profile-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 26px 24px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.profile-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.profile-card-icon {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 16px;
}
.profile-card h3 { font-size: 1.02rem; color: var(--navy-800); margin-bottom: 12px; font-family: var(--font-body); }
.profile-card .feature-list { margin-bottom: 0; }
.profile-card .feature-list li { font-size: 0.85rem; }

.important-callout {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  background: #fdf2ee;
  border-left: 4px solid var(--red-600);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 24px 26px;
}
.important-callout-icon {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--red-600);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  font-weight: 700;
}
.important-callout p { color: var(--navy-800); font-size: 0.92rem; line-height: 1.6; margin: 0; }
.important-callout strong { color: var(--red-600); }

@media (max-width: 900px) {
  .profile-cards { grid-template-columns: 1fr; }
}

.account-study-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 40px;
  align-items: start;
}
.account-study-card {
  background: var(--cream-100);
  border-radius: var(--radius-md);
  padding: 24px 26px;
}
.account-study-card h3 { color: var(--navy-800); font-size: 1rem; margin-bottom: 14px; font-family: var(--font-body); }
.account-study-card .feature-list { margin-bottom: 0; }
.account-study-card .feature-list li { font-size: 0.88rem; }

@media (max-width: 780px) {
  .account-study-grid { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Bannière de gestion des cookies
   ========================================================================== */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 99000;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  box-shadow: 0 -8px 24px rgba(13, 33, 65, 0.12);
  padding: 20px 24px;
  transform: translateY(110%);
  transition: transform 0.4s var(--ease);
}
.cookie-banner.is-visible { transform: translateY(0); }
.cookie-banner-inner {
  max-width: 1180px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}
.cookie-banner-text { flex: 1 1 380px; }
.cookie-banner-text strong { display: block; color: var(--navy-800); font-size: 0.98rem; margin-bottom: 4px; }
.cookie-banner-text p { font-size: 0.85rem; color: var(--gray-700); margin: 0; line-height: 1.5; }
.cookie-banner-text a { color: var(--navy-600); text-decoration: underline; }
.cookie-banner-actions { display: flex; gap: 10px; flex-wrap: wrap; flex-shrink: 0; }
.btn-sm { padding: 10px 18px; font-size: 0.85rem; }

.cookie-banner-panel {
  max-width: 1180px;
  margin: 18px auto 0;
  padding-top: 18px;
  border-top: 1px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.cookie-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  cursor: pointer;
}
.cookie-toggle-row span { display: flex; flex-direction: column; gap: 2px; }
.cookie-toggle-row strong { color: var(--navy-800); font-size: 0.9rem; }
.cookie-toggle-row small { color: var(--gray-500); font-size: 0.8rem; }
.cookie-toggle-row input[type="checkbox"] { width: 20px; height: 20px; flex-shrink: 0; accent-color: var(--navy-800); }

body.cmca-cookie-banner-open .back-to-top.is-visible { transform: translateY(-90px); }

@media (max-width: 700px) {
  .cookie-banner-inner { flex-direction: column; align-items: stretch; }
  .cookie-banner-actions { justify-content: stretch; }
  .cookie-banner-actions .btn { flex: 1; }
}

/* Champ piège anti-spam (honeypot) : invisible pour un humain, mais
   présent dans le DOM pour être rempli par les robots basiques. */
.cf-honeypot {
  position: absolute;
  left: -9999px;
  top: -9999px;
  height: 0;
  width: 0;
  overflow: hidden;
}