:root{

--gold-dim:rgba(201,168,76,.12);--gold-bd:rgba(201,168,76,.22);

  --steel:#8A96A3;--r:8px;
  --green-dim:rgba(22,163,74,.1);--green-bd:rgba(22,163,74,.25);--green-tx:#166534;
  --red-dim:rgba(220,38,38,.1);--red-bd:rgba(220,38,38,.3);--red-tx:#7f1d1d;
  --blue-dim:rgba(14,107,138,.1);--blue-bd:rgba(14,107,138,.35);--blue-tx:#0e6b8a;
  --orange-dim:rgba(234,88,12,.1);--orange-bd:rgba(234,88,12,.3);--orange-tx:#7c2d12;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;word-wrap:break-word}
a{color:inherit;text-decoration:none}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}

.sec{padding:72px 24px}
.sec.dk{background:var(--navy)}.sec.mid{background:var(--navy-mid)}
.sec.cr{background:var(--cream)}.sec.crd{background:var(--cream-dk)}.sec.wh{background:#fff}


.sec-ttl em{font-style:normal;color:var(--gold)}

.sec-sub{font-size:15.5px;max-width:640px;line-height:1.75}
.sec-sub.nv{color:var(--text)}.sec-sub.wh{color:rgba(212,220,229,.82)}
.sec-hd{margin-bottom:40px}
.art-layout{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:start}
.art-txt{font-size:15.5px;color:var(--text);line-height:1.78;min-width:0}
.art-txt p{margin-bottom:14px}
.art-txt p:last-child{margin-bottom:0}
.btn-gold{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy);padding:13px 26px;border-radius:4px;font-weight:600;font-size:15px;white-space:nowrap;cursor:pointer;border:none;transition:all .2s;font-family:'DM Sans',sans-serif}

.btn-ghost{display:inline-flex;align-items:center;gap:6px;color:rgba(212,220,229,.85);font-size:14px;padding:13px 0;border-bottom:1px solid rgba(201,168,76,.25);transition:all .2s}

/* STICKY */
.sticky{position:fixed;bottom:0;left:0;right:0;z-index:600;background:var(--navy);border-top:2px solid var(--gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;transform:translateY(100%);transition:transform .3s;box-shadow:0 -4px 20px rgba(0,0,0,.28);flex-wrap:wrap}
.sticky.on{transform:translateY(0)}
.sticky-msg{color:rgba(212,220,229,.9);font-size:13px;flex:1;min-width:0}.sticky-msg strong{color:#fff}


.sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:none;border:none;color:var(--steel);font-size:20px;cursor:pointer;line-height:1;padding:4px}
/* HERO */
.hero{background:var(--navy);padding:56px 24px 0;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-80px;right:-80px;width:600px;height:600px;background:radial-gradient(circle,rgba(201,168,76,.07) 0%,transparent 65%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.3),transparent)}
.hero-in{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:44px;align-items:start}

.bdot{width:7px;height:7px;border-radius:50%;background:var(--gold);flex-shrink:0;animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(24px,2.8vw,40px);color:#fff;font-weight:700;line-height:1.13;margin-bottom:16px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero-lead{font-size:15.5px;color:rgba(212,220,229,.88);line-height:1.75;margin-bottom:20px;max-width:520px}
.hero-checks{display:flex;flex-direction:column;gap:9px;margin-bottom:26px}
.hck{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:rgba(212,220,229,.9);line-height:1.5}
.hck-ic{width:20px;height:20px;min-width:20px;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:10px;font-weight:700;flex-shrink:0;margin-top:1px}
.hero-btns{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
/* DEF CARD */
.def-card{background:var(--navy-mid);border:1px solid var(--gold-bd);border-radius:var(--r);overflow:hidden;position:sticky;top:20px}
.def-hd{background:linear-gradient(135deg,var(--gold),var(--gold-lt));padding:14px 20px}
.def-hd-title{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:2px}
.def-hd-sub{font-size:11.5px;color:rgba(15,35,64,.65)}
.def-body{padding:18px 20px;display:flex;flex-direction:column;gap:12px}
.def-row{padding:11px 14px;background:rgba(255,255,255,.04);border-radius:6px;border:1px solid rgba(201,168,76,.1)}
.def-row-lbl{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--steel);margin-bottom:4px}
.def-row-val{font-size:13.5px;color:rgba(212,220,229,.9);line-height:1.5}
.def-row-val strong{color:var(--gold)}
.def-cta{display:block;text-align:center;padding:13px 18px;background:var(--gold);color:var(--navy);font-weight:700;font-size:14px;transition:background .2s}

.def-note{text-align:center;font-size:11px;color:var(--steel);padding:8px 20px 12px}
/* TRUST */
.hero-trust{max-width:1160px;margin:36px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.08)}
.hti{padding:13px 16px;display:flex;align-items:center;gap:9px;font-size:12.5px;color:#9BADB8;border-right:1px solid rgba(201,168,76,.07)}
.hti:last-child{border-right:none}

/* INFO BOXES */
.info-box{background:var(--gold-dim);border:1px solid var(--gold-bd);border-left:3px solid var(--gold);border-radius:0 6px 6px 0;padding:14px 18px;margin:18px 0}
.info-box p{font-size:14px;color:var(--text);line-height:1.7;margin:0}
.info-box.warn{background:var(--red-dim);border-color:var(--red-bd);border-left-color:#dc2626}
.info-box.warn p{color:var(--red-tx)}
.info-box.green{background:var(--green-dim);border-color:var(--green-bd);border-left-color:#16a34a}
.info-box.green p{color:var(--green-tx)}
.info-box.blue{background:var(--blue-dim);border-color:var(--blue-bd);border-left-color:#0e6b8a}
.info-box.blue p{color:var(--blue-tx)}
.info-box.orange{background:var(--orange-dim);border-color:var(--orange-bd);border-left-color:#ea580c}
.info-box.orange p{color:var(--orange-tx)}
/* TOC */
.toc-block{background:#fff;border:1px solid rgba(15,35,64,.1);border-left:3px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:20px 24px}
.toc-block summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px}
.toc-block summary::-webkit-details-marker{display:none}
.toc-title{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--navy)}
.toc-chev{transition:transform .3s;font-size:18px;color:var(--gold)}
.toc-block[open] .toc-chev{transform:rotate(180deg)}
.toc-list{list-style:none;margin-top:14px;display:flex;flex-direction:column;gap:6px}
.toc-list li{display:flex;align-items:baseline;gap:8px}
.toc-list a{font-size:14px;color:var(--text);transition:color .2s;line-height:1.4;border-bottom:1px solid transparent}
.toc-list a:hover{color:var(--gold);border-color:rgba(201,168,76,.3)}
.toc-n{font-size:11px;font-weight:700;color:var(--steel);min-width:18px}
/* TABLE */
.tbl-wrap{overflow-x:auto;border-radius:6px;border:1px solid rgba(15,35,64,.1);margin:20px 0;-webkit-overflow-scrolling:touch}
.tbl{width:100%;border-collapse:collapse;font-size:14px;min-width:700px}
.tbl thead{background:var(--navy)}
.tbl thead th{padding:11px 16px;color:var(--gold);font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;text-align:left;white-space:nowrap}
.tbl tbody tr{border-bottom:1px solid rgba(15,35,64,.09)}
.tbl tbody tr:last-child{border-bottom:none}
.tbl tbody tr:nth-child(even){background:rgba(15,35,64,.03)}
.tbl td{padding:10px 16px;color:var(--text);vertical-align:top;word-break:break-word}
.tbl td strong{color:var(--navy);font-weight:600}
.tbl tr.hi td{background:rgba(201,168,76,.1);font-weight:700;color:var(--navy)}
.tbl tr.hi-g td{background:rgba(22,163,74,.08);color:var(--green-tx);font-weight:600}
.tbl tr.hi-r td{background:var(--red-dim);color:var(--red-tx)}
.badge-ok{display:inline-block;background:var(--green-dim);border:1px solid var(--green-bd);color:var(--green-tx);border-radius:3px;padding:2px 8px;font-size:11px;font-weight:600}


/* PROVISION CARDS — big OUI/NON panels */
.prov-duo{display:grid;grid-template-columns:1fr 1fr;gap:3px;background:var(--gold-bd);border-radius:var(--r);overflow:hidden;margin-top:28px}
.prov-panel{padding:28px 26px}
.prov-panel.oui{background:#fff}
.prov-panel.non{background:var(--navy)}
.prov-label{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px;display:block}
.prov-panel.oui .prov-label{color:var(--green-tx)}
.prov-panel.non .prov-label{color:#f87171}
.prov-panel h3{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;margin-bottom:14px;line-height:1.2}
.prov-panel.oui h3{color:var(--navy)}
.prov-panel.non h3{color:#fff}
.prov-list{list-style:none;display:flex;flex-direction:column;gap:9px}
.prov-list li{display:flex;gap:10px;font-size:13.5px;line-height:1.55;align-items:flex-start}
.prov-panel.oui .prov-list li{color:var(--text)}
.prov-panel.non .prov-list li{color:rgba(212,220,229,.85)}
.prov-icon{flex-shrink:0;font-weight:700;min-width:20px;font-size:13px}
.prov-panel.oui .prov-icon{color:#22c55e}
.prov-panel.non .prov-icon{color:#f87171}
/* PROVISION TYPE CARDS */

.ptype-card{border-radius:var(--r);overflow:hidden;border:1px solid rgba(15,35,64,.1);transition:box-shadow .2s}
.ptype-card:hover{box-shadow:0 6px 28px rgba(15,35,64,.1)}
.ptype-head{padding:16px 20px}
.ptype-tag{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-bottom:4px;display:block}
.ptype-name{font-size:15px;font-weight:700;color:#fff;margin-bottom:2px;line-height:1.25}
.ptype-rate{font-family:'Playfair Display',serif;font-size:26px;font-weight:700;color:var(--gold)}
.ptype-body{background:#fff;padding:18px 20px;display:flex;flex-direction:column;gap:7px}
.ptype-row{display:flex;gap:8px;font-size:13px;color:var(--text);line-height:1.55;align-items:flex-start}
.ptype-row b{color:var(--navy);min-width:80px;flex-shrink:0;font-size:12.5px}
.ptype-note{font-size:12px;color:var(--steel);border-top:1px solid rgba(15,35,64,.07);padding-top:8px;margin-top:4px;line-height:1.5}
.ptype-law{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;background:var(--navy);color:var(--gold);padding:3px 9px;border-radius:3px;margin-bottom:10px}
/* DOCUMENTATION STEPS */
.doc-steps{display:flex;flex-direction:column;gap:2px;background:var(--gold-bd);border-radius:var(--r);overflow:hidden;margin-top:28px}
.doc-step{background:#fff;padding:20px 24px;display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}
.doc-n{width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:16px;font-weight:700;flex-shrink:0}
.doc-ttl{font-size:14.5px;font-weight:600;color:var(--navy);margin-bottom:5px;line-height:1.3}
.doc-txt{font-size:13.5px;color:var(--text);line-height:1.65}
.doc-txt ul{list-style:none;margin-top:8px;display:flex;flex-direction:column;gap:4px}
.doc-txt ul li{display:flex;gap:7px;font-size:13px;color:var(--text)}
.doc-txt ul li::before{content:'→';color:var(--gold);font-weight:700;flex-shrink:0}
/* SECTEUR CARDS */
.sect-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}
.sect-card{background:#fff;border:1px solid rgba(15,35,64,.1);border-radius:var(--r);padding:20px 18px;transition:box-shadow .2s}
.sect-card:hover{box-shadow:0 6px 28px rgba(15,35,64,.1)}
.sect-ic{font-size:22px;margin-bottom:8px;display:block}
.sect-title{font-size:14.5px;font-weight:600;color:var(--navy);margin-bottom:7px;line-height:1.3}
.sect-desc{font-size:13px;color:var(--text);line-height:1.65;margin-bottom:10px}
.sect-tip{font-size:12px;color:var(--green-tx);border-top:1px solid rgba(15,35,64,.08);padding-top:8px;line-height:1.5}
.sect-tip.warn{color:#b91c1c}
/* MISTAKE */
.mistake-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px}
.mistake-card{background:rgba(255,255,255,.06);border:1px solid rgba(201,168,76,.15);border-radius:var(--r);padding:22px 20px}
.mistake-num{font-family:'Playfair Display',serif;font-size:32px;font-weight:700;color:rgba(201,168,76,.3);margin-bottom:8px;line-height:1}
.mistake-card h3{font-size:15px;font-weight:600;color:#fff;margin-bottom:8px;line-height:1.35}
.mistake-card p{font-size:13.5px;color:rgba(212,220,229,.78);line-height:1.65}
.mistake-impact{display:inline-block;margin-top:10px;font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:rgba(220,38,38,.15);color:#fca5a5;border:1px solid rgba(220,38,38,.3);border-radius:3px;padding:3px 10px}
/* MK */
.mk-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.mk{background:#fff;border:1px solid rgba(15,35,64,.08);border-top:4px solid var(--gold);border-radius:10px;padding:24px 22px;text-align:center;box-shadow:0 8px 24px rgba(15,35,64,.06)}
.mk-num{font-family:'Playfair Display',serif;font-size:40px;font-weight:700;color:var(--navy);line-height:1.08;margin-bottom:10px;word-break:normal}
.mk-lbl{font-size:14px;line-height:1.6;color:#3D4F63;font-weight:500}
/* FAQ */
.faq{display:flex;flex-direction:column;gap:2px;background:var(--gold-bd);border-radius:var(--r);overflow:hidden}
.fq{background:rgba(255,255,255,.05)}
.fq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:18px 24px}
.fq summary::-webkit-details-marker{display:none}
.fq-q{font-size:14.5px;font-weight:600;color:#fff;line-height:1.4}
.fq-ic{font-size:22px;color:var(--gold);flex-shrink:0;transition:transform .25s}
.fq[open] .fq-ic{transform:rotate(45deg)}
.fq-ans{padding:0 24px 20px}
.fq-txt{font-size:14px;color:rgba(212,220,229,.82);line-height:1.75}
.fq-txt strong{color:#fff}
.fq-lnk{margin-top:10px}
.fq-lnk a{font-size:13px;color:var(--gold);text-decoration:underline;text-underline-offset:2px}
/* FORM */
.form-wrap{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 420px;gap:52px;align-items:start}
.fl h2{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,32px);color:#fff;font-weight:700;line-height:1.18;margin-bottom:14px}
.fl h2 em{font-style:normal;color:var(--gold)}
.fl-lead{font-size:15px;color:rgba(212,220,229,.82);line-height:1.75;margin-bottom:24px}
.reassure{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.re-item{display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:rgba(212,220,229,.85);line-height:1.5}
.re-ic{color:var(--gold);font-weight:700;flex-shrink:0}
.form-tel{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;color:#fff}
.form-tel a{color:var(--gold)}
.form-email{font-size:13.5px;color:rgba(212,220,229,.7);margin-top:6px}
.form-email a{color:var(--gold-lt)}
.fbox{background:#fff;border:1px solid rgba(15,35,64,.12);border-radius:var(--r);overflow:hidden;box-shadow:0 18px 46px rgba(0,0,0,.16)}
.fbh{background:var(--cream);padding:20px 24px;border-bottom:1px solid rgba(15,35,64,.1)}
.fbh h3{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:4px}
.fbh p{font-size:12px;color:var(--text)}
.fbb{padding:24px;background:#fff;color:var(--navy)}
.fbb .forminator-ui input,.fbb .forminator-ui textarea,.fbb .forminator-ui select,.fbb input,.fbb textarea,.fbb select{background:#fff!important;color:var(--navy)!important;border:1px solid #d8dee6!important}
.fbb .forminator-ui label,.fbb label{color:var(--navy)!important;font-weight:600!important}
.fbb .forminator-ui .forminator-button,.fbb button[type=submit]{background:var(--gold)!important;color:var(--navy)!important;border:0!important;font-weight:700!important}
/* CTA */
.fcta-box{background:linear-gradient(135deg,var(--navy-lt),var(--navy-mid));border:1px solid var(--gold-bd);border-radius:12px;padding:44px 48px;display:flex;justify-content:space-between;align-items:center;gap:36px;max-width:1160px;margin:0 auto}
.fcta-box h2{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,32px);color:#fff;line-height:1.2;margin-bottom:10px}
.fcta-box h2 em{font-style:normal;color:var(--gold)}
.fcta-box p{font-size:15px;color:rgba(212,220,229,.8);line-height:1.7}
.fa{display:flex;flex-direction:column;gap:12px;align-items:flex-start;min-width:220px}
.tel-link{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;color:#fff}
.tel-link:hover{color:var(--gold)}
.fa-note{font-size:11.5px;color:var(--steel)}
/* RELATED */
.related{background:var(--cream-dk);padding:20px 24px;border-top:1px solid rgba(15,35,64,.07)}
.rel-in{max-width:1160px;margin:0 auto;display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.rel-lbl{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--steel);flex-shrink:0}
.rel-pill{font-size:13px;color:var(--text);background:#fff;border:1px solid rgba(15,35,64,.1);border-radius:20px;padding:5px 14px;transition:all .2s}
.rel-pill:hover{border-color:var(--gold);color:var(--gold);background:var(--gold-dim)}
/* RESPONSIVE */
@media(max-width:900px){
  .hero-in,.art-layout,.form-wrap,.prov-duo{grid-template-columns:1fr;gap:28px}
  .def-card{position:static}
  .hero-trust{grid-template-columns:repeat(2,1fr)}
  
  
  .mk-row{grid-template-columns:repeat(2,1fr)}
  .fcta-box{flex-direction:column;align-items:flex-start;padding:32px 28px}
  .fa{align-items:stretch}
}
@media(max-width:640px){
  .hero{padding:28px 14px 0}.hero h1{font-size:22px}
  .hero-trust{grid-template-columns:1fr}
  .hti{border-right:none;border-bottom:1px solid rgba(201,168,76,.07);padding:10px 14px}
  
  .mk-row{grid-template-columns:1fr 1fr}
  .sec{padding:40px 14px}
  .btn-gold{font-size:14px;padding:12px 20px;white-space:normal;text-align:center}
  .ptype-body{padding:16px}
  .ptype-row{font-size:12.5px;line-height:1.6}
  .fq summary{padding:16px 18px}.fq-ans{padding:0 18px 16px}
  .fcta-box{padding:24px 16px;border-radius:8px}
  .doc-step{grid-template-columns:36px 1fr;gap:12px;padding:18px 16px}
  .sticky-msg{display:none}.sticky{padding:10px 14px}
  .sec-ttl{font-size:clamp(20px,5vw,30px)}
}
@media(max-width:480px){
  .hero h1{font-size:20px}.sec{padding:32px 12px}
  .mk-row{grid-template-columns:1fr}
    .tbl{font-size:13px}.tbl thead th,.tbl td{padding:9px 12px}
}

@media(max-width:640px){
  .mk{padding:20px 18px}
  .mk-num{font-size:34px}
  .mk-lbl{font-size:13.5px;line-height:1.58}
}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}
@media print{.sticky,.related,.fa{display:none!important}.sec.dk,.sec.mid{background:#f5f5f5!important}@page{margin:15mm}}