@import url('tokens.css');
@import url('footer.css');

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  font-family: 'Inter', sans-serif;
  background: var(--cream);
  color: var(--navy);
  line-height: 1.6;
  overflow-x: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* ---------- NAV ---------- */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 5%;
  background: rgba(15,28,46,.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(184,150,62,.2);
}

.nav-offset {
  padding-top: 70px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.logo {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 600;
  color: #fff;
  letter-spacing: .04em;
  text-decoration: none;
}
.logo span { color: var(--gold); }

.nav-links {
  display: flex;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,.75);
  text-decoration: none;
  font-size: .875rem;
  font-weight: 400;
  letter-spacing: .04em;
  text-transform: uppercase;
  transition: color .2s;
}
.nav-links a:hover { color: var(--gold-l); }

.nav-cta {
  background: var(--gold);
  color: #fff !important;
  padding: .5rem 1.25rem;
  border-radius: 2px;
  font-weight: 500 !important;
}
.nav-cta:hover { background: var(--gold-l); color: #fff !important; }

/* ---------- HERO ---------- */
.hero {
  min-height: 100vh;
  background: var(--navy);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 8rem 5% 5rem;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 60% at 80% 40%, rgba(184,150,62,.12) 0%, transparent 70%),
    radial-gradient(ellipse 40% 50% at 10% 70%, rgba(184,150,62,.07) 0%, transparent 70%);
}

.hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .65rem;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.75rem;
}
.hero-tag::before {
  content: '';
  display: block;
  width: 2rem;
  height: 1px;
  background: var(--gold);
}

.hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.5rem, 5vw, 4.25rem);
  font-weight: 600;
  color: #fff;
  line-height: 1.15;
  max-width: 700px;
  margin-bottom: 1.75rem;
}
.hero h1 em { color: var(--gold); font-style: normal; }

.hero p {
  color: rgba(255,255,255,.65);
  font-size: 1.1rem;
  font-weight: 300;
  max-width: 520px;
  margin-bottom: 2.5rem;
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.btn-primary {
  background: var(--gold);
  color: #fff;
  padding: .875rem 2rem;
  border-radius: 2px;
  text-decoration: none;
  font-size: .9rem;
  font-weight: 500;
  letter-spacing: .04em;
  transition: background .2s, transform .15s;
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-l); transform: translateY(-1px); }

.btn-outline {
  border: 1px solid rgba(255,255,255,.3);
  color: rgba(255,255,255,.8);
  padding: .875rem 2rem;
  border-radius: 2px;
  text-decoration: none;
  font-size: .9rem;
  font-weight: 400;
  letter-spacing: .04em;
  transition: border-color .2s, color .2s;
  display: inline-block;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold-l); }

.hero-stats {
  display: flex;
  gap: 1rem;
  margin-top: 4rem;
  flex-wrap: wrap;
}
.hero-stats > div {
  flex: 1;
  min-width: 140px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.08);
  border-top: 2px solid var(--gold);
  border-radius: 3px;
  padding: 1.25rem 1.5rem;
}
.stat-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem;
  font-weight: 600;
  color: #fff;
  display: block;
  line-height: 1;
}
.stat-lbl {
  font-size: .8rem;
  color: rgba(255,255,255,.65);
  margin-top: .5rem;
}

/* ---------- SECTION SHARED ---------- */
section { padding: 6rem 5%; }

.section-tag {
  font-size: .72rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: .6rem;
  margin-bottom: 1rem;
}
.section-tag::before {
  content: '';
  width: 1.5rem;
  height: 1px;
  background: var(--gold);
}

.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.85rem, 3.5vw, 2.75rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
}

.section-sub {
  color: var(--gray);
  font-size: 1rem;
  font-weight: 300;
  line-height: 1.8;
  max-width: 560px;
  margin-top: .75rem;
}

.inner { max-width: 1100px; margin: 0 auto; }

/* ---------- APPROCHE ---------- */
#approche {
  background: #fff;
}

.approche-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  margin-top: 4rem;
  align-items: start;
}

.approche-img {
  position: relative;
  overflow: hidden;
  padding-bottom: 1.5rem;
  padding-right: 1.5rem;
}
.approche-photo-wrap {
  position: relative;
  display: inline-block;
  width: 100%;
}
.approche-photo-wrap img {
  width: 100%;
  aspect-ratio: 4/5;
  object-fit: cover;
  object-position: center top;
  border-radius: 3px;
  display: block;
}
.approche-photo-caption {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(transparent, rgba(15,28,46,.92));
  padding: 3rem 2rem 2rem;
  border-radius: 0 0 3px 3px;
}
.approche-photo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  font-weight: 600;
  color: #fff;
}
.approche-photo-role {
  font-size: .78rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: .25rem;
}
.approche-quote-box {
  background: var(--navy);
  border-radius: 3px;
  padding: 1.75rem 2rem;
  margin-top: 1rem;
}
.approche-quote {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  font-weight: 500;
  line-height: 1.65;
  color: rgba(255,255,255,.85);
}
.approche-quote::before {
  content: '\201C';
  color: var(--gold);
  font-size: 1.5rem;
  line-height: 0;
  vertical-align: -.3em;
  margin-right: .2em;
}

.approche-accent {
  width: 4rem;
  height: 4rem;
  background: var(--gold);
  border-radius: 2px;
  position: absolute;
  bottom: -1.5rem;
  right: -1.5rem;
}

.approche-points { display: flex; flex-direction: column; gap: 2rem; margin-top: 2rem; }

.point {
  display: flex;
  gap: 1.25rem;
}
.point-icon {
  width: 2.5rem;
  height: 2.5rem;
  background: var(--light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 1rem;
}
.point-title {
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  margin-bottom: .3rem;
}
.point-body {
  color: var(--gray);
  font-size: .9rem;
  line-height: 1.7;
}

/* ---------- SERVICES ---------- */
#services { background: var(--cream); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
}

.service-card {
  background: #fff;
  border: 1px solid rgba(15,28,46,.08);
  border-radius: 3px;
  padding: 2.5rem 2rem;
  transition: box-shadow .25s, transform .2s;
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .25s;
}
.service-card:hover { box-shadow: 0 8px 32px rgba(15,28,46,.1); transform: translateY(-3px); }
.service-card:hover::after { transform: scaleX(1); }

.service-icon {
  width: 2.75rem;
  height: 2.75rem;
  margin-bottom: 1.25rem;
  color: var(--gold);
}

.service-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .75rem;
}

.service-body {
  color: var(--gray);
  font-size: .875rem;
  line-height: 1.75;
}

/* ---------- PARTENAIRES ---------- */
.partners-bar {
  background: var(--navy);
  padding: 3rem 5%;
  border-top: 1px solid rgba(184,150,62,.15);
  border-bottom: 1px solid rgba(184,150,62,.15);
}
.partners-label {
  text-align: center;
  font-size: .68rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: rgba(255,255,255,.35);
  margin-bottom: 2.25rem;
}
.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4rem;
  flex-wrap: wrap;
}
.partner {
  display: flex;
  align-items: center;
  padding: .6rem 1.1rem;
  border-radius: 4px;
  filter: brightness(0) invert(1);
  opacity: .45;
  transition: filter .3s, opacity .3s, background .3s;
  cursor: default;
}
.partner:hover {
  filter: none;
  opacity: 1;
  background: #fff;
}
.partner img {
  height: 2.25rem;
  width: auto;
  display: block;
}

/* ---------- CLIENTS ---------- */
#clients { background: var(--navy); }
#clients .section-title { color: #fff; }
#clients .section-sub { color: rgba(255,255,255,.55); }
#clients .section-tag { color: var(--gold-l); }
#clients .section-tag::before { background: var(--gold-l); }

.clients-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
}

.client-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: 3px;
  padding: 2rem;
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  transition: background .2s;
}
.client-card:hover { background: rgba(184,150,62,.1); border-color: rgba(184,150,62,.3); }

.client-icon {
  font-size: 1.75rem;
  flex-shrink: 0;
  color: var(--gold);
  line-height: 0;
}
.client-icon svg { display: block; }

.client-title {
  font-weight: 600;
  font-size: .95rem;
  color: #fff;
  margin-bottom: .4rem;
}

.client-body {
  color: rgba(255,255,255,.65);
  font-size: .875rem;
  line-height: 1.7;
}

/* ---------- INDÉPENDANCE ---------- */
#independance { background: #fff; }

.indep-grid {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 4rem;
  margin-top: 4rem;
  align-items: center;
}

.indep-list { display: flex; flex-direction: column; gap: 1.25rem; margin-top: 2rem; }

.indep-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: var(--cream);
  border-radius: 3px;
  border-left: 3px solid var(--gold);
}
.indep-item-title { font-weight: 600; font-size: .9rem; color: var(--navy); margin-bottom: .2rem; }
.indep-item-body { font-size: .85rem; color: var(--gray); line-height: 1.6; }

.indep-visual {
  background: var(--cream);
  border-radius: 3px;
  padding: 2.5rem;
}
.indep-visual-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 1.5rem;
}

.compare-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; width: 100%; }
.compare-table {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: .4rem .5rem;
  align-items: stretch;
  min-width: 360px;
  width: 100%;
}
.compare-header-cell {
  padding: .5rem .75rem;
  background: var(--navy);
  color: var(--gold);
  font-size: .68rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 600;
  border-radius: 2px;
  text-align: center;
}
.compare-header-cell:first-child { visibility: hidden; }
.compare-criterion {
  font-size: .82rem;
  font-weight: 500;
  color: var(--navy);
  padding: .65rem .75rem;
  background: #fff;
  border-radius: 2px;
  display: flex;
  align-items: center;
}
.compare-val {
  font-size: .82rem;
  padding: .65rem .75rem;
  border-radius: 2px;
  background: #fff;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
}
.compare-val.yes  { color: #16a34a; font-weight: 600; }
.compare-val.no   { color: #dc2626; }
.compare-val.warn { color: #d97706; font-weight: 500; }

/* ---------- CONTACT ---------- */
#contact { background: var(--cream); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  margin-top: 4rem;
}

.contact-info { display: flex; flex-direction: column; gap: 2rem; }

.contact-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.contact-item-icon {
  width: 2.25rem;
  height: 2.25rem;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: .9rem;
}
.contact-item-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; color: var(--gray); margin-bottom: .2rem; }
.contact-item-val { font-weight: 500; color: var(--navy); font-size: .95rem; }
.contact-item-note { font-size: .82rem; color: var(--gray); }
.contact-email { color: inherit; text-decoration: none; border-bottom: 1px solid rgba(15,28,46,.25); transition: border-color .2s, color .2s; }
.contact-email:hover { color: var(--gold); border-color: var(--gold); }

.contact-offer {
  background: var(--navy);
  border-radius: 3px;
  padding: 1.75rem;
  margin-top: 1rem;
}
.contact-offer-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  color: #fff;
  font-weight: 500;
  margin-bottom: .5rem;
}
.contact-offer-body {
  font-size: .85rem;
  color: rgba(255,255,255,.5);
  line-height: 1.7;
}

.form { display: flex; flex-direction: column; gap: 1.25rem; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.form-group { display: flex; flex-direction: column; gap: .4rem; }
.form-group label { font-size: .78rem; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; color: var(--navy); }
.form-group input,
.form-group textarea,
.form-group select {
  padding: .75rem 1rem;
  border: 1px solid rgba(15,28,46,.18);
  border-radius: 2px;
  font-family: 'Inter', sans-serif;
  font-size: .9rem;
  color: var(--navy);
  background: #fff;
  transition: border-color .2s;
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus { border-color: var(--gold); }
.form-group textarea { resize: vertical; min-height: 130px; }

.form-submit {
  background: var(--navy);
  color: #fff;
  border: none;
  padding: 1rem 2rem;
  border-radius: 2px;
  font-family: 'Inter', sans-serif;
  font-size: .9rem;
  font-weight: 500;
  letter-spacing: .04em;
  cursor: pointer;
  transition: background .2s;
  align-self: flex-start;
}
.form-submit:hover { background: var(--gold); }

.form-note { font-size: .78rem; color: var(--gray); margin-top: .25rem; }

/* ---------- SIMULATEUR ---------- */
#simulateur {
  background: var(--navy-2);
}
#simulateur .section-title { color: #fff; }
#simulateur .section-sub   { color: rgba(247,244,239,.55); }
#simulateur .section-tag   { color: var(--gold-l); }
#simulateur .section-tag::before { background: var(--gold-l); }

/* Page dédiée simulateurs */
.sim-page-main {
  background: var(--navy-2);
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.sim-page-main .section-title { color: #fff; }
.sim-page-main .section-sub   { color: rgba(247,244,239,.55); }
.sim-page-main .section-tag   { color: var(--gold-l); }
.sim-page-main .section-tag::before { background: var(--gold-l); }
.sim-page-intro {
  padding: 5rem 5% 3rem;
  max-width: 1100px;
  margin: 0 auto;
}
.merci-intro {
  text-align: center;
  max-width: 640px;
}
.merci-intro .section-tag {
  justify-content: center;
}
.merci-intro .btn-primary {
  margin-top: 1.5rem;
}

.sim-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-top: 2.5rem;
}
.sim-card {
  display: flex;
  flex-direction: column;
  background: rgba(255,255,255,.03);
  border: 1px solid rgba(184,150,62,.15);
  border-radius: 6px;
  padding: 1.75rem 1.75rem 1.25rem;
  text-decoration: none;
  color: inherit;
  transition: border-color .25s, background .25s, transform .2s;
}
.sim-card:hover {
  border-color: rgba(184,150,62,.45);
  background: rgba(255,255,255,.055);
  transform: translateY(-2px);
}
.sim-card-label {
  font-size: .68rem;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold-l);
  margin-bottom: .5rem;
}
.sim-card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 600;
  color: #fff;
  line-height: 1.2;
  margin-bottom: .6rem;
}
.sim-card-desc {
  font-size: .82rem;
  font-weight: 300;
  color: rgba(247,244,239,.55);
  line-height: 1.6;
  flex: 1;
}
.sim-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 1.25rem;
  padding-top: .9rem;
  border-top: 1px solid rgba(184,150,62,.1);
}
.sim-card-meta {
  font-size: .7rem;
  color: rgba(247,244,239,.35);
  font-weight: 300;
  letter-spacing: .04em;
}
.sim-card-arrow {
  font-size: .9rem;
  color: var(--gold-l);
  transition: transform .2s;
}
.sim-card:hover .sim-card-arrow { transform: translateX(4px); }

.sim-layout {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 3rem;
  align-items: center;
  margin-top: 2.5rem;
}

.sim-controls {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.sim-field {
  display: flex;
  flex-direction: column;
  gap: .55rem;
}

.sim-label {
  font-size: .7rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-l);
}
.sim-label-val {
  color: var(--cream);
  font-weight: 500;
  letter-spacing: 0;
  text-transform: none;
}

.sim-input-row {
  display: flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(184,150,62,.22);
  border-radius: 4px;
  padding: .55rem .85rem;
  transition: border-color .2s;
}
.sim-input-row:focus-within {
  border-color: rgba(212,174,98,.55);
}

.sim-input {
  background: none;
  border: none;
  color: var(--cream);
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  width: 100%;
  outline: none;
  -moz-appearance: textfield;
}
.sim-input::-webkit-outer-spin-button,
.sim-input::-webkit-inner-spin-button { -webkit-appearance: none; }

.sim-unit {
  color: var(--gold);
  font-size: .85rem;
  flex-shrink: 0;
}

/* Range slider */
.sim-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 2px;
  background: rgba(184,150,62,.25);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
}
.sim-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 15px; height: 15px;
  border-radius: 50%;
  background: var(--gold-l);
  border: 2px solid var(--navy-2);
  cursor: pointer;
  transition: background .2s;
}
.sim-range::-moz-range-thumb {
  width: 15px; height: 15px;
  border-radius: 50%;
  background: var(--gold-l);
  border: 2px solid var(--navy-2);
  cursor: pointer;
}
.sim-range:hover::-webkit-slider-thumb { background: #e8c87a; }

.sim-range-ticks {
  display: flex;
  justify-content: space-between;
  font-size: .68rem;
  color: rgba(247,244,239,.55);
}

/* Rate buttons */
.sim-rates {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: .45rem;
}
.sim-rate {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(184,150,62,.18);
  border-radius: 4px;
  color: rgba(247,244,239,.45);
  font-family: 'Inter', sans-serif;
  font-size: .82rem;
  padding: .5rem 0;
  cursor: pointer;
  transition: all .2s;
}
.sim-rate:hover {
  border-color: rgba(212,174,98,.45);
  color: var(--cream);
}
.sim-rate.active {
  background: rgba(184,150,62,.14);
  border-color: var(--gold);
  color: var(--gold-l);
  font-weight: 500;
}

/* Result cards */
.sim-results {
  display: flex;
  flex-direction: column;
  gap: .6rem;
  margin-top: .25rem;
}
.sim-res {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .7rem .9rem;
  background: rgba(255,255,255,.03);
  border-left: 2px solid rgba(184,150,62,.35);
}
.sim-res-label {
  font-size: .68rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(247,244,239,.65);
  min-width: 0;
}
.sim-res-val {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.35rem;
  font-weight: 300;
  color: var(--gold-l);
  flex-shrink: 0;
  margin-left: .5rem;
  white-space: nowrap;
}

/* Chart */
.sim-chart-wrap {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
#simChart,
#fChart {
  width: 100%;
  height: 300px;
  display: block;
}
.sim-legend {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
}
.sim-leg {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-size: .72rem;
  letter-spacing: .06em;
  color: rgba(247,244,239,.55);
  transition: color .2s;
  cursor: default;
}
.sim-leg.active { color: rgba(247,244,239,.8); }
.sim-leg em {
  display: block;
  width: 20px; height: 2px;
  border-radius: 1px;
  font-style: normal;
  flex-shrink: 0;
}
.sim-leg[data-rate="2"] em { background: #8ea8c3; }
.sim-leg[data-rate="4"] em { background: #b8963e; }
.sim-leg[data-rate="6"] em { background: #d4ae62; }
.sim-leg[data-rate="8"] em { background: #f0d898; }
.sim-leg-sep {
  display: block;
  width: 1px; height: 14px;
  background: rgba(247,244,239,.15);
  flex-shrink: 0;
}
.sim-leg[data-area]       { color: rgba(247,244,239,.60); }
.sim-leg[data-area="capital"] em { background: rgba(100,140,180,.55); }
.sim-leg[data-area="gains"]   em { background: rgba(184,150,62,.55); }

/* Fee simulator legend */
.sim-leg[data-fee="gross"] em { background: #d4ae62; }
.sim-leg[data-fee="best"]  em { background: #5fba8e; }
.sim-leg[data-fee="net"]   em { background: #8ea8c3; }
.sim-leg[data-fee="gap"]   em { background: rgba(200,70,55,.55); }

/* Fee simulator section separator */
#impact-frais {
  border-top: 1px solid rgba(184,150,62,.15);
}

/* Offset anchor scroll to account for fixed nav */
#interets-composes,
#impact-frais {
  scroll-margin-top: 64px;
}

/* Result row colours */
.sim-res--best .sim-res-val { color: #5fba8e; }
.sim-res small              { font-size: .68em; opacity: .6; }
.sim-res--net  .sim-res-val { color: #8ea8c3; }
.sim-res--loss .sim-res-val { color: #d97060; }

/* PDF export button */
.sim-export-wrap {
  display: flex;
  justify-content: flex-end;
  gap: .5rem;
  margin-top: 1.25rem;
}
.sim-export-btn {
  background: none;
  border: 1px solid rgba(184,150,62,.38);
  color: rgba(212,174,98,.75);
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  font-weight: 400;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: .48rem 1.1rem;
  border-radius: 3px;
  cursor: pointer;
  transition: border-color .2s, color .2s, background .2s;
}
.sim-export-btn:hover {
  border-color: var(--gold);
  color: var(--gold-l);
  background: rgba(184,150,62,.07);
}

.sim-disclaimer {
  margin-top: 2rem;
  font-size: .7rem;
  color: rgba(247,244,239,.50);
  line-height: 1.7;
  border-top: 1px solid rgba(255,255,255,.06);
  padding-top: 1.25rem;
}

/* ---------- HAMBURGER ---------- */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: .5rem;
  background: none;
  border: none;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .25s, opacity .2s;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- FAQ ---------- */
#faq { background: var(--light); }

.faq-list {
  margin-top: 3rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
  align-items: stretch;
}

.faq-item {
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: #fff;
  border: 1px solid rgba(15,28,46,.1);
  border-radius: 3px;
  overflow: hidden;
}
.faq-item[open] { justify-content: flex-start; }

.faq-item[open] {
  border-color: rgba(184,150,62,.35);
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
  padding: 1.25rem 1.5rem;
  font-family: 'Inter', sans-serif;
  font-size: .975rem;
  font-weight: 500;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  user-select: none;
  transition: background .15s;
}
.faq-question::-webkit-details-marker { display: none; }

.faq-question::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 300;
  color: var(--gold);
  flex-shrink: 0;
  line-height: 1;
  transition: transform .2s;
}
.faq-item[open] .faq-question::after {
  transform: rotate(45deg);
}

.faq-item:not([open]):hover { background: var(--cream); }
.faq-item[open] .faq-question { background: var(--cream); }

.faq-answer {
  padding: 0 1.5rem 1.5rem;
  border-top: 1px solid rgba(15,28,46,.07);
}
.faq-answer p {
  font-size: .9rem;
  color: var(--gray);
  line-height: 1.8;
  padding-top: 1.1rem;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 900px) {
  section { padding: 4.5rem 5%; }

  /* Nav */
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    position: fixed;
    top: 65px; left: 0; right: 0;
    height: calc(100vh - 65px);
    overflow-y: auto;
    background: var(--navy);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 2.5rem;
    z-index: 200;
  }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: 1.1rem; }
  .nav-cta { padding: .75rem 2rem !important; }

  /* Partners */
  .partners-logos { gap: 2.5rem; }
  .partner img { height: 1.85rem; }

  /* Hero */
  .hero { padding: 7rem 5% 4rem; }
  .hero-stats { margin-top: 3rem; gap: .75rem; }
  .hero-stats > div { min-width: 130px; padding: 1rem 1.25rem; }

  /* Grids → single column */
  .approche-grid,
  .indep-grid,
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .approche-grid > *,
  .indep-grid > *,
  .contact-grid > * { min-width: 0; }

  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .clients-grid  { grid-template-columns: 1fr; }

  /* Photo */
  .approche-photo-wrap img { aspect-ratio: 3/2; object-position: center 20%; }
  .approche-img { padding-right: 0; }
  .approche-accent { display: none; }

  /* Indépendance */
  .indep-visual {
    padding: 1.75rem 5vw;
    margin-left: -5vw;
    margin-right: -5vw;
    border-radius: 0;
  }
  .indep-visual-title { font-size: 1.2rem; margin-bottom: 1.1rem; }
  .compare-table { gap: .35rem .45rem; }
  .compare-header-cell { font-size: .6rem; padding: .45rem .55rem; letter-spacing: .08em; }
  .compare-criterion { font-size: .78rem; padding: .55rem .6rem; }
  .compare-val { font-size: .76rem; padding: .55rem .55rem; }
}

@media (max-width: 600px) {
  section { padding: 3.5rem 4%; }
  .sim-page-intro { padding: 2.5rem 4% 2rem; }

  /* Indépendance items */
  .indep-item { padding: 1rem 1rem; }
  .indep-list  { gap: .875rem; }

  /* Nav */
  nav { padding: 1rem 4%; }
  .logo { font-size: 20px; }
  .nav-offset { padding-top: 56px; }

  /* Hero */
  .hero { padding: 6rem 4% 3.5rem; }
  .hero-tag { font-size: .68rem; }
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-outline { text-align: center; }
  .hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
  .stat-val { font-size: 1.6rem; }

  /* Services */
  .services-grid { grid-template-columns: 1fr; }
  .service-card {
    display: grid;
    grid-template-columns: 2.75rem 1fr;
    column-gap: .875rem;
    align-items: start;
  }
  .service-icon { grid-row: 1; grid-column: 1; margin-bottom: 0; align-self: center; }
  .service-title { grid-row: 1; grid-column: 2; align-self: center; margin-bottom: 0; }
  .service-body { grid-row: 2; grid-column: 1 / -1; margin-top: .6rem; }

  /* Partners */
  .partners-bar { padding: 2.25rem 4%; }
  .partners-logos { gap: 1.75rem; }
  .partner img { height: 1.6rem; }

  /* Compare table */
  .indep-visual {
    padding: 1.5rem 4vw;
    margin-left: -4vw;
    margin-right: -4vw;
  }
  .indep-visual-title { font-size: 1.05rem; }
  .compare-table { gap: .3rem .4rem; }
  .compare-header-cell { font-size: .58rem; padding: .4rem .5rem; letter-spacing: .08em; }
  .compare-criterion { font-size: .75rem; padding: .5rem .55rem; }
  .compare-val { font-size: .75rem; padding: .5rem .55rem; }

  /* FAQ */
  .faq-list { grid-template-columns: 1fr; }
  .faq-question { font-size: .9rem; padding: 1.1rem 1.25rem; }
  .faq-answer { padding: 0 1.25rem 1.25rem; }

  /* Contact form */
  .form-row { grid-template-columns: 1fr; }
  .form-submit { width: 100%; text-align: center; }

  /* Simulateur */
  .sim-cards { grid-template-columns: 1fr; }
  .sim-layout { grid-template-columns: 1fr; gap: 2rem; }
  #simChart { height: 240px; }
  .sim-legend { gap: 1rem; flex-wrap: wrap; }
}

@media (max-width: 360px) {
  section { padding: 3rem 3.5%; }
  .sim-page-intro { padding: 2rem 3.5% 1.5rem; }
  nav { padding: 1rem 3.5%; }
  .hero { padding: 5.5rem 3.5% 3rem; }

  .indep-item { padding: .875rem .875rem; }
  .compare-header-cell { font-size: .55rem; padding: .35rem .4rem; }
  .compare-criterion,
  .compare-val { font-size: .7rem; padding: .4rem .45rem; }

  .sim-controls { gap: 1.25rem; }
  .sim-res { padding: .6rem .75rem; }
  .sim-res-val { font-size: 1.15rem; }
}

/* ---------- LEGAL PAGES ---------- */
.legal-page { padding: 4rem 5% 3rem; }
.legal-content { max-width: 760px; margin: 0 auto; }
.legal-content .section-sub { max-width: none; margin-bottom: 2.5rem; }

.legal-content h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  margin: 2.5rem 0 .75rem;
}
.legal-content h2:first-of-type { margin-top: 0; }

.legal-content h3 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  margin: 1.5rem 0 .5rem;
}

.legal-content p {
  color: var(--gray);
  font-weight: 300;
  line-height: 1.8;
  margin-bottom: .9rem;
}

.legal-content ul, .legal-content ol {
  color: var(--gray);
  font-weight: 300;
  line-height: 1.8;
  padding-left: 1.25rem;
  margin-bottom: .9rem;
}
.legal-content li { margin-bottom: .4rem; }

.legal-content strong { color: var(--navy); font-weight: 600; }

.legal-content a { color: var(--gold-d); }
.legal-content a:hover { color: var(--gold); }

.legal-content .legal-note {
  background: rgba(184,150,62,.08);
  border-left: 2px solid var(--gold);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  font-size: .9rem;
}
.legal-content .legal-note p { margin-bottom: 0; }

.legal-updated {
  font-size: .8rem;
  color: var(--gray);
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(15,28,46,.1);
}