:root {





      --gold-dim:        rgba(201,168,76,0.12);


      --steel-muted:     #8A96A3;
      --steel-dark:      #586472;

      --text-light:      #D4DCE5;

      --border-gold:     rgba(201,168,76,0.18);
      --border-navy:     rgba(15,35,64,0.09);
      /* Accent — teal émeraude : unique parmi les pages de la série */
      --accent-teal:      rgba(20,184,166,0.13);
      --accent-teal-text: #5eead4;
      --teal-solid:       #14b8a6;
    }

    *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body { font-family: 'DM Sans', sans-serif; background: var(--warm-cream); color: var(--navy-deep); line-height: 1.6; -webkit-font-smoothing: antialiased; }

    .skip-link { position: absolute; top: -100%; left: 16px; background: var(--swiss-gold); color: var(--navy-deep); padding: 10px 18px; font-weight: 600; font-size: 14px; border-radius: 0 0 6px 6px; text-decoration: none; z-index: 9999; transition: top 0.2s; }
    .skip-link:focus { top: 0; }
    :focus-visible { outline: 2px solid var(--swiss-gold); outline-offset: 3px; border-radius: 2px; }

    /* STICKY CTA */
    .sticky-cta { position: fixed; bottom: 0; left: 0; right: 0; background: var(--navy-deep); border-top: 2px solid var(--swiss-gold); padding: 14px 24px; display: flex; align-items: center; justify-content: center; gap: 16px; z-index: 300; transform: translateY(100%); transition: transform 0.3s ease; box-shadow: 0 -4px 20px rgba(0,0,0,0.3); }
    
    .sticky-cta-text { color: var(--text-light); font-size: 14px; }
    
    .sticky-cta a { background: var(--swiss-gold); color: var(--navy-deep); padding: 10px 24px; border-radius: 4px; font-weight: 600; font-size: 14px; text-decoration: none; white-space: nowrap; transition: background 0.2s; }
    
    .sticky-close { position: absolute; right: 16px; background: none; border: none; color: var(--steel-muted); font-size: 22px; cursor: pointer; line-height: 1; padding: 8px; }

    .scroll-top { position: fixed; bottom: 80px; right: 24px; width: 44px; height: 44px; background: var(--navy-mid); border: 1px solid var(--border-gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; cursor: pointer; z-index: 250; opacity: 0; pointer-events: none; transition: opacity 0.3s, background 0.2s; color: var(--swiss-gold); font-size: 18px; text-decoration: none; }
    .scroll-top.visible { opacity: 1; pointer-events: auto; }
    .scroll-top:hover { background: var(--navy-light); }

    /* ─── HERO ─── */
    .hero { background: var(--navy-deep); padding: 64px 48px 0; position: relative; overflow: hidden; }
    .hero::before { content: ''; position: absolute; top: 0; right: 0; width: 55%; height: 100%; background: linear-gradient(135deg, transparent 30%, rgba(20,184,166,0.05) 100%); pointer-events: none; }
    .hero::after { content: 'INDÉP.'; position: absolute; right: -10px; bottom: -18px; font-family: 'Playfair Display', serif; font-size: 130px; font-weight: 700; color: rgba(255,255,255,0.02); line-height: 1; letter-spacing: -4px; pointer-events: none; user-select: none; }
    .hero-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1fr 400px; gap: 52px; align-items: start; position: relative; z-index: 1; animation: fadeUp 0.5s ease both; }
    @keyframes fadeUp { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: translateY(0); } }

    .hero-tag { display: inline-flex; align-items: center; gap: 8px; background: var(--gold-dim); border: 1px solid var(--border-gold); color: var(--swiss-gold); font-size: 11px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; padding: 6px 14px; border-radius: 2px; margin-bottom: 20px; }
    .hero-tag-dot { width: 6px; height: 6px; background: var(--swiss-gold); border-radius: 50%; flex-shrink: 0; }

    .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(30px, 3.2vw, 44px); font-weight: 700; color: var(--white); line-height: 1.12; margin-bottom: 18px; letter-spacing: -0.5px; }
    .hero h1 em { font-style: normal; color: var(--swiss-gold); }
    .hero-lead { font-size: 16px; color: var(--text-light); line-height: 1.72; margin-bottom: 32px; max-width: 500px; }

    .hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 40px; }
    .btn-primary { display: inline-flex; align-items: center; gap: 6px; background: var(--swiss-gold); color: var(--navy-deep); padding: 14px 28px; border-radius: 4px; font-size: 15px; font-weight: 600; text-decoration: none; transition: background 0.2s, transform 0.15s; white-space: nowrap; }
    .btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
    .btn-primary.btn-full { width: 100%; justify-content: center; margin-top: 8px; }
    .btn-ghost { display: inline-flex; align-items: center; gap: 6px; background: transparent; border: 1px solid rgba(201,168,76,0.4); color: var(--swiss-gold); padding: 13px 22px; border-radius: 4px; font-size: 14px; font-weight: 500; text-decoration: none; transition: all 0.2s; white-space: nowrap; }
    .btn-ghost:hover { background: var(--gold-dim); border-color: var(--swiss-gold); }

    .hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 1px; background: var(--border-gold); border-radius: 8px; overflow: hidden; }
    .stat-item { background: var(--navy-mid); padding: 18px 14px; text-align: center; }
    .stat-num { display: block; font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 700; color: var(--swiss-gold); line-height: 1; margin-bottom: 5px; }
    .stat-label { font-size: 11px; color: var(--steel-muted); line-height: 1.4; }

    /* HERO CARD — service stack visuel */
    .hero-card { background: var(--navy-mid); border-radius: 10px; border: 1px solid var(--border-gold); padding: 26px; position: relative; overflow: hidden; }
    .hero-card::before { content: ''; position: absolute; top: -50px; right: -50px; width: 180px; height: 180px; background: radial-gradient(circle, rgba(20,184,166,0.09) 0%, transparent 70%); }
    .hero-card-label { font-size: 10px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--accent-teal-text); margin-bottom: 14px; }
    .hero-card h3 { font-family: 'Playfair Display', serif; font-size: 15px; color: var(--white); margin-bottom: 18px; line-height: 1.35; }

    /* SERVICE STACK */
    .service-stack { display: flex; flex-direction: column; gap: 5px; margin-bottom: 16px; }
    .stack-item { background: rgba(255,255,255,0.04); border-radius: 6px; padding: 11px 14px; display: flex; align-items: center; gap: 12px; border: 1px solid rgba(255,255,255,0.06); transition: background 0.2s; }
    .stack-item:hover { background: rgba(255,255,255,0.07); }
    .stack-icon { width: 32px; height: 32px; border-radius: 5px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-size: 14px; }
    .stack-icon.teal { background: var(--accent-teal); }
    .stack-icon.gold { background: var(--gold-dim); }
    .stack-text { flex: 1; }
    .stack-name { font-size: 12px; font-weight: 600; color: var(--white); display: block; margin-bottom: 1px; }
    .stack-desc { font-size: 10px; color: var(--steel-muted); line-height: 1.4; }
    .stack-tag { font-size: 9px; font-weight: 700; color: var(--accent-teal-text); background: var(--accent-teal); border: 1px solid rgba(20,184,166,0.2); padding: 2px 7px; border-radius: 3px; white-space: nowrap; flex-shrink: 0; }
    .stack-tag.gold-tag { color: var(--swiss-gold); background: var(--gold-dim); border-color: var(--border-gold); }

    .hero-card-sep { height: 1px; background: var(--border-gold); margin: 12px 0; }
    .hero-card-footer { display: flex; align-items: center; justify-content: space-between; }
    .hero-card-footer span { font-size: 11px; color: var(--steel-muted); }
    .hero-card-footer strong { display: block; font-size: 12px; color: var(--swiss-gold); }
    .cta-circle { width: 32px; height: 32px; background: var(--swiss-gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--navy-deep); font-size: 14px; font-weight: 700; text-decoration: none; transition: all 0.2s; flex-shrink: 0; }
    .cta-circle:hover { background: var(--gold-light); transform: scale(1.1); }

    /* HERO TRUST */
    .hero-trust { max-width: 1200px; margin: 36px auto 0; display: grid; grid-template-columns: repeat(4,1fr); border-top: 1px solid var(--border-gold); overflow: hidden; animation: fadeUp 0.5s 0.12s ease both; }
    .trust-item { padding: 16px 18px; display: flex; align-items: center; gap: 10px; font-size: 12px; color: var(--text-light); background: rgba(255,255,255,0.02); border-right: 1px solid rgba(255,255,255,0.05); }
    .trust-item:last-child { border-right: none; }
    .trust-icon { font-size: 16px; flex-shrink: 0; }

    /* SECTION SYSTEM */
    
    .s-tag { display: inline-block; font-size: 11px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--swiss-gold); background: var(--gold-dim); border: 1px solid var(--border-gold); padding: 4px 12px; border-radius: 2px; margin-bottom: 14px; }
    .s-title { font-family: 'Playfair Display', serif; font-size: clamp(24px, 2.6vw, 34px); font-weight: 700; color: var(--navy-deep); line-height: 1.18; margin-bottom: 14px; }
    
    .s-lead { font-size: 15px; color: var(--text-body); max-width: 580px; line-height: 1.72; margin-bottom: 44px; }
    .s-lead.on-dark { color: var(--text-light); }

    /* ─── PROFILS ─── */
    .section-profils { padding: 80px 48px; background: var(--warm-cream); }
    .profils-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 2px; background: var(--border-navy); border-radius: 8px; overflow: hidden; margin-top: 40px; }
    .profil-card { background: white; padding: 24px 20px; position: relative; transition: background 0.2s; }
    .profil-card:hover { background: rgba(20,184,166,0.03); }
    .profil-num { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: rgba(201,168,76,0.1); line-height: 1; margin-bottom: 10px; }
    .profil-emoji { font-size: 22px; margin-bottom: 10px; display: block; }
    .profil-card h3 { font-size: 14px; font-weight: 600; color: var(--navy-deep); margin-bottom: 8px; line-height: 1.3; }
    .profil-card p { font-size: 12px; color: var(--text-body); line-height: 1.6; }
    .profil-tag { display: inline-block; margin-top: 10px; font-size: 10px; font-weight: 600; color: var(--accent-teal-text); background: var(--accent-teal); border: 1px solid rgba(20,184,166,0.2); padding: 2px 8px; border-radius: 3px; }

    /* ─── DIFFÉRENCES ─── */
    .section-diff { padding: 80px 48px; background: var(--navy-deep); }
    .diff-intro { font-size: 15px; color: var(--text-light); line-height: 1.75; margin-bottom: 36px; max-width: 680px; }
    .diff-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2px; background: var(--border-gold); border-radius: 8px; overflow: hidden; }
    .diff-card { background: var(--navy-mid); padding: 28px 24px; transition: background 0.2s; }
    .diff-card:hover { background: var(--navy-light); }
    .diff-card.featured { background: rgba(20,184,166,0.08); border: 1px solid rgba(20,184,166,0.2); }
    .diff-icon { width: 42px; height: 42px; border-radius: 6px; background: var(--gold-dim); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
    .diff-icon svg { width: 20px; height: 20px; stroke: var(--swiss-gold); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
    .diff-label { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--steel-muted); margin-bottom: 7px; }
    .diff-card.featured .diff-label { color: var(--accent-teal-text); }
    .diff-card h3 { font-family: 'Playfair Display', serif; font-size: 16px; color: var(--white); margin-bottom: 9px; line-height: 1.3; }
    .diff-card p { font-size: 12px; color: var(--steel-muted); line-height: 1.65; margin-bottom: 14px; }
    .diff-items { list-style: none; display: flex; flex-direction: column; gap: 6px; }
    .diff-items li { font-size: 12px; color: var(--text-light); display: flex; align-items: flex-start; gap: 8px; line-height: 1.4; }
    .d-dot { width: 5px; height: 5px; background: var(--swiss-gold); border-radius: 50%; flex-shrink: 0; margin-top: 5px; }
    .diff-badge { display: inline-block; margin-top: 14px; font-size: 10px; font-weight: 600; color: var(--swiss-gold); background: var(--gold-dim); border: 1px solid var(--border-gold); padding: 3px 9px; border-radius: 3px; }

    /* ─── FISCAL INDÉPENDANT ─── */
    .section-fiscal { padding: 80px 48px; background: var(--warm-cream-dark); }
    .fiscal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; margin-top: 40px; }
    .fiscal-intro { font-size: 15px; color: var(--text-body); line-height: 1.75; margin-bottom: 22px; }
    .fiscal-leviers { display: flex; flex-direction: column; gap: 14px; }
    .fiscal-levier { background: white; border-radius: 8px; padding: 20px 22px; border-top: 3px solid var(--border-gold); transition: border-top-color 0.25s, box-shadow 0.25s; }
    .fiscal-levier:hover { border-top-color: var(--swiss-gold); box-shadow: 0 4px 20px rgba(15,35,64,0.08); }
    /* fl-head: tag goes below h4 on mobile via flex-wrap */
    .fl-head { display: flex; align-items: flex-start; flex-wrap: wrap; margin-bottom: 8px; gap: 6px 10px; }
    .fl-head h4 { font-size: 14px; font-weight: 600; color: var(--navy-deep); line-height: 1.3; flex: 1; min-width: 0; }
    .fl-tag { font-size: 10px; font-weight: 700; color: var(--accent-teal-text); background: var(--accent-teal); border: 1px solid rgba(20,184,166,0.2); padding: 2px 8px; border-radius: 2px; white-space: nowrap; flex-shrink: 0; align-self: flex-start; margin-top: 2px; }
    .fiscal-levier p { font-size: 13px; color: var(--text-body); line-height: 1.6; }
    .fl-note { font-size: 11px; color: var(--steel-dark); margin-top: 8px; font-style: italic; }

    /* FISCAL ASIDE */
    .fiscal-aside { display: flex; flex-direction: column; gap: 16px; }
    .comparison-card { background: var(--navy-deep); border-radius: 8px; border: 1px solid var(--border-gold); overflow: hidden; }
    .comparison-header { background: rgba(20,184,166,0.1); border-bottom: 1px solid var(--border-gold); padding: 14px 20px; }
    .comparison-header span { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-teal-text); }
    .comparison-header h4 { font-family: 'Playfair Display', serif; font-size: 15px; color: var(--white); margin-top: 4px; }
    .comparison-rows { padding: 0; }
    /* Label column wider to avoid word-break on "Responsabilité" etc. */
    .comp-row { display: grid; grid-template-columns: 110px 1fr 1fr; border-bottom: 1px solid var(--border-gold); }
    .comp-header-row { background: rgba(255,255,255,0.04); }
    .comp-row:last-child { border-bottom: none; }
    .comp-cell { padding: 10px 12px; border-right: 1px solid var(--border-gold); word-break: break-word; min-width: 0; }
    .comp-cell:last-child { border-right: none; }
    .comp-cell.label { background: rgba(255,255,255,0.03); }
    .comp-cell-name { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; display: block; margin-bottom: 1px; }
    .comp-col-ri { color: var(--steel-muted); }
    .comp-col-sarl { color: var(--accent-teal-text); }
    .comp-ri strong { font-size: 11px; font-weight: 600; color: var(--text-light); display: block; margin-bottom: 2px; line-height: 1.3; }
    .comp-ri span { font-size: 10px; color: var(--steel-muted); line-height: 1.3; }
    .comp-sarl strong { font-size: 11px; font-weight: 600; color: var(--accent-teal-text); display: block; margin-bottom: 2px; line-height: 1.3; }
    .comp-sarl span { font-size: 10px; color: var(--steel-muted); line-height: 1.3; }
    .comparison-note { padding: 12px 16px; background: rgba(255,255,255,0.02); }
    .comparison-note p { font-size: 10px; color: var(--steel-muted); line-height: 1.5; font-style: italic; }

    /* AVS card — allow value to wrap on mobile */
    .avs-card { background: white; border-radius: 8px; padding: 22px; border: 1px solid var(--border-navy); overflow: hidden; }
    .avs-title { font-family: 'Playfair Display', serif; font-size: 14px; color: var(--navy-deep); margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
    .avs-title::before { content: ''; display: block; width: 4px; height: 16px; background: var(--swiss-gold); border-radius: 2px; flex-shrink: 0; }
    .avs-rows { display: flex; flex-direction: column; gap: 0; }
    .avs-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 8px; padding: 9px 0; border-bottom: 1px solid var(--border-navy); flex-wrap: wrap; }
    .avs-row:last-child { border-bottom: none; }
    .avs-label { font-size: 12px; color: var(--text-body); flex: 1; min-width: 140px; line-height: 1.4; }
    .avs-value { font-size: 12px; font-weight: 600; color: var(--navy-deep); text-align: right; white-space: normal; word-break: break-word; max-width: 50%; line-height: 1.4; }
    .avs-note { font-size: 10px; color: var(--steel-muted); margin-top: 10px; font-style: italic; line-height: 1.5; }

    /* ─── SERVICES HUB ─── */
    .section-services { padding: 80px 48px; background: var(--warm-cream); }
    .services-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 40px; }
    .service-card { background: white; border-radius: 8px; padding: 26px 22px; border: 1px solid var(--border-navy); transition: border-color 0.25s, box-shadow 0.25s, transform 0.2s; position: relative; }
    .service-card:hover { border-color: var(--swiss-gold); box-shadow: 0 6px 24px rgba(15,35,64,0.1); transform: translateY(-2px); }
    .service-card.hub { border-top: 3px solid var(--swiss-gold); }
    .service-card-icon { width: 44px; height: 44px; background: var(--navy-deep); border-radius: 6px; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
    .service-card-icon svg { width: 20px; height: 20px; stroke: var(--swiss-gold); fill: none; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
    .service-card h3 { font-size: 15px; font-weight: 600; color: var(--navy-deep); margin-bottom: 8px; line-height: 1.3; }
    .service-card p { font-size: 13px; color: var(--text-body); line-height: 1.6; margin-bottom: 14px; }
    .service-list { list-style: none; display: flex; flex-direction: column; gap: 5px; }
    .service-list li { font-size: 12px; color: var(--text-body); display: flex; align-items: flex-start; gap: 7px; line-height: 1.4; }
    .sl-dot { width: 4px; height: 4px; background: var(--swiss-gold); border-radius: 50%; flex-shrink: 0; margin-top: 6px; }
    .service-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 14px; font-size: 12px; font-weight: 600; color: var(--swiss-gold); text-decoration: none; transition: gap 0.2s; }
    .service-link:hover { gap: 8px; }

    /* ─── TRAJECTOIRE ─── */
    .section-trajectoire { padding: 80px 48px; background: var(--navy-deep); }
    .traj-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 2px; background: var(--border-gold); border-radius: 8px; overflow: hidden; margin-top: 40px; }
    .traj-step { background: var(--navy-mid); padding: 28px 22px; transition: background 0.25s; position: relative; }
    .traj-step:hover { background: var(--navy-light); }
    .traj-step::after { content: attr(data-n); position: absolute; top: 14px; right: 14px; font-family: 'Playfair Display', serif; font-size: 48px; font-weight: 700; color: rgba(255,255,255,0.03); line-height: 1; }
    .traj-phase { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-teal-text); margin-bottom: 8px; }
    .traj-step h3 { font-family: 'Playfair Display', serif; font-size: 16px; color: var(--white); margin-bottom: 10px; line-height: 1.3; }
    .traj-step p { font-size: 12px; color: var(--steel-muted); line-height: 1.65; margin-bottom: 14px; }
    .traj-items { list-style: none; display: flex; flex-direction: column; gap: 6px; }
    .traj-items li { font-size: 11px; color: var(--text-light); display: flex; align-items: flex-start; gap: 7px; line-height: 1.4; }
    .t-dot { width: 4px; height: 4px; background: var(--swiss-gold); border-radius: 50%; flex-shrink: 0; margin-top: 5px; }

    /* ─── PILIER 3A + RETRAITE ─── */
    .section-retraite { padding: 80px 48px; background: var(--warm-cream-dark); }
    .retraite-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; margin-top: 40px; }
    .retraite-intro { font-size: 15px; color: var(--text-body); line-height: 1.75; margin-bottom: 24px; }
    .pilier-cards { display: flex; flex-direction: column; gap: 12px; }
    .pilier-card { background: white; border-radius: 8px; padding: 20px 22px; border-left: 4px solid var(--border-gold); transition: border-left-color 0.25s; }
    .pilier-card:hover { border-left-color: var(--swiss-gold); }
    .pilier-card h4 { font-size: 14px; font-weight: 600; color: var(--navy-deep); margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
    .pilier-num { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; color: var(--swiss-gold); }
    .pilier-card p { font-size: 13px; color: var(--text-body); line-height: 1.6; }
    .pilier-advantage { font-size: 11px; color: var(--accent-teal-text); margin-top: 8px; background: var(--accent-teal); border: 1px solid rgba(20,184,166,0.2); display: inline-block; padding: 2px 9px; border-radius: 3px; }

    .retraite-aside { display: flex; flex-direction: column; gap: 16px; }
    .retraite-stat { background: var(--navy-deep); border-radius: 8px; padding: 28px; border: 1px solid var(--border-gold); position: relative; overflow: hidden; }
    .retraite-stat::before { content: ''; position: absolute; top: 0; right: 0; width: 120px; height: 120px; background: radial-gradient(circle, rgba(20,184,166,0.1) 0%, transparent 70%); }
    .rs-label { font-size: 10px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-teal-text); margin-bottom: 10px; }
    .rs-value { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 700; color: var(--swiss-gold); line-height: 1; margin-bottom: 6px; }
    .rs-desc { font-size: 13px; color: var(--text-light); line-height: 1.6; }
    .rs-note { font-size: 11px; color: var(--steel-muted); margin-top: 10px; font-style: italic; }

    .testi-card { background: white; border-radius: 8px; padding: 24px; border: 1px solid var(--border-navy); position: relative; }
    .q-mark { font-family: 'Playfair Display', serif; font-size: 48px; color: var(--swiss-gold); line-height: 0.6; display: block; margin-bottom: 12px; opacity: 0.5; }
    .testi-card p { font-size: 13px; color: var(--text-body); line-height: 1.7; font-style: italic; margin-bottom: 14px; }
    .testi-author { display: flex; align-items: center; gap: 10px; }
    .t-avatar { width: 34px; height: 34px; background: var(--navy-deep); border: 2px solid var(--swiss-gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--swiss-gold); font-size: 11px; flex-shrink: 0; }
    .t-info strong { display: block; color: var(--navy-deep); font-size: 12px; }
    .t-info span { font-size: 11px; color: var(--steel-muted); display: block; }

    /* ─── TARIFS ─── */
    .section-tarifs { padding: 80px 48px; background: var(--warm-cream); }
    .tarifs-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2px; background: var(--border-gold); border-radius: 8px; overflow: hidden; margin-top: 40px; }
    .tarif-card { background: var(--white); padding: 28px 24px; }
    .tarif-card.featured { background: var(--navy-deep); }
    .tarif-label { font-size: 10px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--steel-muted); margin-bottom: 7px; }
    .tarif-card.featured .tarif-label { color: var(--accent-teal-text); }
    .tarif-card h3 { font-family: 'Playfair Display', serif; font-size: 16px; color: var(--navy-deep); margin-bottom: 12px; line-height: 1.3; }
    .tarif-card.featured h3 { color: var(--white); }
    .tarif-price { margin-bottom: 16px; }
    .tarif-price strong { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700; color: var(--swiss-gold); }
    .tarif-price span { font-size: 12px; color: var(--steel-muted); }
    .tarif-items { list-style: none; display: flex; flex-direction: column; gap: 7px; }
    .tarif-items li { font-size: 12px; color: var(--text-body); display: flex; align-items: flex-start; gap: 8px; line-height: 1.45; }
    .tarif-card.featured .tarif-items li { color: var(--text-light); }
    .ti-chk { color: var(--swiss-gold); font-weight: 700; flex-shrink: 0; font-size: 13px; }
    .tarif-note { font-size: 11px; color: var(--steel-muted); margin-top: 14px; padding-top: 12px; border-top: 1px solid var(--border-navy); font-style: italic; }
    .tarif-card.featured .tarif-note { border-top-color: var(--border-gold); }

    /* ─── FAQ ─── */
    .section-faq { padding: 80px 48px; background: var(--warm-cream-dark); }
    .faq-list { display: flex; flex-direction: column; gap: 2px; border-radius: 8px; overflow: hidden; background: var(--border-navy); }
    .faq-item { background: white; }
    .faq-question { width: 100%; text-align: left; background: none; border: none; padding: 20px 26px; display: flex; align-items: center; justify-content: space-between; gap: 16px; cursor: pointer; transition: background 0.2s; }
    .faq-question:hover { background: rgba(15,35,64,0.02); }
    .faq-title { font-size: 14px; font-weight: 600; color: var(--navy-deep); line-height: 1.4; text-align: left; flex: 1; }
    .faq-icon { width: 26px; height: 26px; flex-shrink: 0; background: var(--gold-dim); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--swiss-gold); font-size: 20px; line-height: 1; font-weight: 300; transition: transform 0.3s, background 0.2s; }
    .faq-item.open .faq-icon { transform: rotate(45deg); background: rgba(201,168,76,0.22); }
    .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.25s; padding: 0 26px; }
    .faq-item.open .faq-answer { max-height: 700px; padding-bottom: 20px; }
    .faq-answer p { font-size: 13px; color: var(--text-body); line-height: 1.72; border-top: 1px solid var(--border-navy); padding-top: 14px; }

    /* ─── CTA ─── */
    .section-cta { padding: 80px 48px; background: var(--warm-cream); }
    .cta-box { max-width: 1200px; margin: 0 auto; background: var(--navy-deep); border-radius: 12px; padding: 52px; position: relative; overflow: hidden; display: grid; grid-template-columns: 1fr auto; gap: 52px; align-items: center; }
    .cta-box::before { content: ''; position: absolute; top: 0; right: 0; width: 400px; height: 100%; background: linear-gradient(135deg, transparent 30%, rgba(20,184,166,0.05) 100%); pointer-events: none; }
    .cta-box::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, var(--swiss-gold) 0%, transparent 60%); }
    .cta-content, .cta-actions { position: relative; z-index: 1; }
    .cta-content h2 { font-family: 'Playfair Display', serif; font-size: 28px; color: var(--white); line-height: 1.22; margin-bottom: 10px; }
    .cta-content h2 em { font-style: normal; color: var(--swiss-gold); }
    .cta-content p { font-size: 14px; color: var(--text-light); line-height: 1.7; }
    .cta-actions { display: flex; flex-direction: column; gap: 9px; flex-shrink: 0; }
    .btn-phone { display: flex; align-items: center; justify-content: center; gap: 8px; background: rgba(201,168,76,0.12); border: 1px solid var(--border-gold); color: var(--swiss-gold); padding: 12px 22px; border-radius: 4px; font-size: 14px; font-weight: 600; text-decoration: none; white-space: nowrap; transition: all 0.2s; }
    
    .cta-note { font-size: 11px; color: var(--steel-muted); text-align: center; }
    .cta-email { display: inline-flex; align-items: center; justify-content: center; font-size: 13px; color: var(--steel-muted); text-decoration: none; transition: color 0.2s; }
    .cta-email:hover { color: var(--swiss-gold); }

    /* RELATED + LEGAL */
    .section-related { padding: 40px 48px 60px; background: var(--warm-cream-dark); }
    .legal-note { font-size: 11px; color: var(--steel-muted); line-height: 1.6; border-left: 3px solid var(--border-gold); padding-left: 14px; margin-bottom: 22px; font-style: italic; }
    .related-title { font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--steel-dark); margin-bottom: 16px; }
    .related-links { display: flex; flex-wrap: wrap; gap: 10px; }
    .related-link { display: inline-flex; align-items: center; gap: 6px; background: white; border: 1px solid var(--border-navy); color: var(--navy-deep); text-decoration: none; font-size: 13px; font-weight: 500; padding: 10px 16px; border-radius: 4px; transition: all 0.2s; }
    .related-link:hover { border-color: var(--swiss-gold); color: var(--swiss-gold); }
    .related-link-arrow { color: var(--swiss-gold); }

    /* ─── RESPONSIVE ─── */
    @media (max-width: 1024px) {
      .hero { padding: 52px 24px 0; }
      .hero::after { font-size: 100px; }
      .hero-inner { grid-template-columns: 1fr; gap: 28px; }
      .hero-trust { grid-template-columns: repeat(2,1fr); }
      .section-profils, .section-diff, .section-fiscal, .section-services,
      .section-trajectoire, .section-retraite, .section-tarifs,
      .section-faq, .section-cta, .section-related { padding: 56px 24px; }
      /* qualification block tablet */
      section[aria-label="Qualification rapide"] { padding: 40px 24px; }
      section[aria-label="Qualification rapide"] > div > div { grid-template-columns: 1fr; gap: 28px; padding: 28px 24px; }
      
      
      .fiscal-grid { grid-template-columns: 1fr; gap: 28px; }
      
      
      .retraite-grid { grid-template-columns: 1fr; gap: 28px; }
      
      .cta-box { grid-template-columns: 1fr; gap: 24px; padding: 36px 26px; }
      .cta-actions { flex-direction: row; flex-wrap: wrap; }
    }
    @media (max-width: 640px) {
      .hero { padding: 36px 16px 0; }
      .hero::after { display: none; }
      .hero-trust { grid-template-columns: 1fr 1fr; }
      .hero-stats { grid-template-columns: repeat(3,1fr); }
      .profils-grid { grid-template-columns: 1fr 1fr; }
      
      
      
      
      .faq-title { font-size: 13px; }
      .sticky-cta { padding: 12px 16px; }
      
      .sticky-cta a { flex: 1; text-align: center; }
      .cta-actions { flex-direction: column; }
      .cta-actions .btn-primary, .cta-actions .btn-phone, .cta-actions .cta-email { width: 100%; justify-content: center; }
      .scroll-top { bottom: 70px; right: 12px; }
      .related-links { flex-direction: column; }
      .stack-tag { display: none; }
      /* On mobile: show only label + RI column, hide Sàrl */
      .comp-row { grid-template-columns: 90px 1fr; }
      .comp-header-row { display: none; }
      .comp-cell:last-child { display: none; }
      .avs-value { max-width: 55%; }
      section[aria-label="Qualification rapide"] { padding: 28px 16px !important; }
      section[aria-label="Qualification rapide"] > div > div { grid-template-columns: 1fr !important; gap: 20px !important; padding: 22px 18px !important; }
      
    }
    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
    }
    @media print {
      .sticky-cta, .scroll-top { display: none !important; }
      .hero { background: white; padding: 20px 0; }
      .hero h1, .s-title { color: #0F2340; }
      .hero::after { display: none; }
      .btn-primary, .btn-ghost { display: none; }
      section { padding: 16px 0; background: white !important; }
    }