/* Brokers-Solutions — feuille de style commune */

/* Polices hébergées localement (aucun appel à un serveur tiers, conformité RGPD).
   Montserrat et Open Sans : SIL Open Font License 1.1 (mêmes polices que les plaquettes) */
@font-face { font-family: 'Montserrat'; font-style: normal; font-weight: 300; font-display: swap; src: url(../assets/fonts/montserrat-latin-300-normal.woff2) format('woff2'); }
@font-face { font-family: 'Montserrat'; font-style: normal; font-weight: 400; font-display: swap; src: url(../assets/fonts/montserrat-latin-400-normal.woff2) format('woff2'); }
@font-face { font-family: 'Montserrat'; font-style: normal; font-weight: 500; font-display: swap; src: url(../assets/fonts/montserrat-latin-500-normal.woff2) format('woff2'); }
@font-face { font-family: 'Montserrat'; font-style: normal; font-weight: 600; font-display: swap; src: url(../assets/fonts/montserrat-latin-600-normal.woff2) format('woff2'); }
@font-face { font-family: 'Open Sans'; font-style: normal; font-weight: 300; font-display: swap; src: url(../assets/fonts/open-sans-latin-300-normal.woff2) format('woff2'); }
@font-face { font-family: 'Open Sans'; font-style: normal; font-weight: 400; font-display: swap; src: url(../assets/fonts/open-sans-latin-400-normal.woff2) format('woff2'); }
@font-face { font-family: 'Open Sans'; font-style: normal; font-weight: 600; font-display: swap; src: url(../assets/fonts/open-sans-latin-600-normal.woff2) format('woff2'); }

:root {
  --night: #1f2130;
  --night-2: #282b3d;
  --night-3: #33374c;
  --paper: #f5f5f3;
  --white: #ffffff;
  --ink: #1f2130;
  --ink-soft: #555a6e;
  --line: #e2e3e6;
  --silver: #c9ccd3;
  --silver-2: #e8e9ec;
  --cyan: #5bb7d6;
  --blue: #3a6fb0;

  --font-title: "Montserrat", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Open Sans", "Helvetica Neue", Arial, sans-serif;

  --wrap: 1180px;
  --gutter: 24px;
  --radius: 4px;
}

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3 {
  font-family: var(--font-title);
  font-weight: 300;
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin: 0 0 0.5em;
}
h1 { font-size: clamp(2.05rem, 4.5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.28rem; font-weight: 400; }
p { margin: 0 0 1em; }

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-title);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 18px;
}
.on-dark .eyebrow { color: var(--silver); }

.lead { font-size: 1.15rem; color: var(--ink-soft); max-width: 640px; }
.on-dark .lead { color: var(--silver); }

/* Boutons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 28px;
  border-radius: var(--radius);
  font-family: var(--font-title);
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  white-space: nowrap;
  text-decoration: none;
  border: 1px solid transparent;
  transition: background .2s, color .2s, border-color .2s;
  cursor: pointer;
}
.btn-primary { background: var(--white); color: var(--night); }
.btn-primary:hover { background: var(--silver-2); }
.btn-dark { background: var(--night); color: var(--white); }
.btn-dark:hover { background: var(--night-3); }
.btn-ghost { border-color: rgba(255,255,255,.35); color: var(--white); }
.btn-ghost:hover { border-color: var(--white); }
.btn-line { border-color: var(--night); color: var(--night); }
.btn-line:hover { background: var(--night); color: var(--white); }
.btn .arrow { transition: transform .2s; }
.btn:hover .arrow { transform: translateX(4px); }

/* En-tête */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--night);
  color: var(--white);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 78px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.brand img {
  height: 64px;
  width: 64px;
  object-fit: cover;
  object-position: 50% 32%;
  mix-blend-mode: lighten;
  -webkit-mask-image: radial-gradient(circle at 50% 50%, #000 55%, transparent 72%);
  mask-image: radial-gradient(circle at 50% 50%, #000 55%, transparent 72%);
}
.brand-name {
  font-family: var(--font-title);
  font-weight: 400;
  font-size: 0.95rem;
  letter-spacing: 0.22em;
  line-height: 1.25;
}
.brand-name small {
  display: block;
  font-size: 0.66rem;
  letter-spacing: 0.34em;
  color: var(--silver);
}
.main-nav { display: flex; gap: 28px; margin-left: auto; }
.main-nav a {
  white-space: nowrap;
  font-size: 0.92rem;
  text-decoration: none;
  color: var(--silver);
  transition: color .2s;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--white); }
.header-actions { display: flex; align-items: center; gap: 20px; }
.header-phone {
  font-size: 0.9rem;
  text-decoration: none;
  color: var(--white);
  white-space: nowrap;
}
.header-actions .btn { padding: 11px 20px; font-size: 0.85rem; }
.menu-toggle {
  display: none;
  margin-left: auto;
  background: none;
  border: 1px solid rgba(255,255,255,.3);
  color: var(--white);
  border-radius: var(--radius);
  padding: 8px 12px;
  font: inherit;
  font-size: 0.85rem;
  cursor: pointer;
}

/* Hero */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(ellipse 60% 70% at 85% 40%, rgba(91,183,214,.10), transparent 70%),
    linear-gradient(180deg, var(--night) 0%, #191b28 100%);
  color: var(--white);
  padding: 110px 0 120px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 48px;
  align-items: center;
}
.hero h1 { max-width: 760px; }
.hero h1 em { font-style: normal; color: var(--silver); }
.hero .lead { margin: 28px 0 40px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-mark {
  justify-self: center;
  width: 100%;
  max-width: 380px;
  mix-blend-mode: lighten;
  opacity: .95;
  -webkit-mask-image: radial-gradient(ellipse 50% 50% at 50% 50%, #000 62%, transparent 100%);
  mask-image: radial-gradient(ellipse 50% 50% at 50% 50%, #000 62%, transparent 100%);
}

/* Bandeau de réassurance */
.trust-bar {
  background: var(--night-2);
  color: var(--silver);
  font-size: 0.88rem;
}
.trust-bar ul {
  list-style: none;
  margin: 0;
  padding: 22px 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 14px 32px;
}
.trust-bar li { display: flex; align-items: center; gap: 10px; }
.trust-bar li::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--cyan);
  flex-shrink: 0;
}
.trust-bar strong { color: var(--white); font-weight: 500; }

/* Sections */
.section { padding: 110px 0; }
.section-white { background: var(--white); }
.section-dark { background: var(--night); color: var(--white); }
.section-head { max-width: 720px; margin-bottom: 60px; }

/* Positionnement */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.quote {
  font-family: var(--font-title);
  font-weight: 300;
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  line-height: 1.3;
  border-left: 1px solid var(--silver);
  padding-left: 28px;
  margin: 0;
}

/* Piliers */
.pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.pillar {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px 34px 34px;
  display: flex;
  flex-direction: column;
  transition: border-color .2s, transform .2s;
}
.pillar:hover { border-color: var(--night); transform: translateY(-3px); }
.pillar-num {
  font-family: var(--font-title);
  font-size: 0.8rem;
  letter-spacing: 0.2em;
  color: var(--ink-soft);
  margin-bottom: 26px;
}
.pillar ul {
  list-style: none;
  padding: 0;
  margin: 8px 0 30px;
  font-size: 0.95rem;
  color: var(--ink-soft);
}
.pillar li { padding: 7px 0; border-top: 1px solid var(--line); }
.pillar-link {
  margin-top: auto;
  font-family: var(--font-title);
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  text-decoration: none;
}
.pillar-link:hover { text-decoration: underline; }
.pillar-feature { background: var(--night); color: var(--white); border-color: var(--night); }
.pillar-feature:hover { border-color: var(--silver); }
.pillar-feature .pillar-num, .pillar-feature ul { color: var(--silver); }
.pillar-feature li { border-color: rgba(255,255,255,.12); }
.pillar-quiet { background: transparent; }

.pillar-text { color: var(--ink-soft); font-size: 0.97rem; }
.pillars-4 { grid-template-columns: repeat(4, 1fr); gap: 20px; }
.pillars-4 .pillar { padding: 34px 26px 28px; }

/* En-tête de page intérieure */
.page-hero {
  background:
    radial-gradient(ellipse 60% 80% at 90% 30%, rgba(91,183,214,.08), transparent 70%),
    linear-gradient(180deg, var(--night) 0%, #191b28 100%);
  color: var(--white);
  padding: 96px 0 100px;
}
.page-hero h1 { font-size: clamp(1.95rem, 3.7vw, 2.85rem); max-width: 880px; }
.page-hero .lead { margin-top: 24px; max-width: 700px; }
.breadcrumb { font-size: 0.82rem; color: var(--silver); margin-bottom: 28px; }
.breadcrumb a { text-decoration: none; }
.breadcrumb a:hover { color: var(--white); }

/* Grille de solutions */
.solutions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}
.solution {
  background: var(--white);
  padding: 36px 32px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.solution h3 { font-size: 1.3rem; margin-bottom: 12px; }
.solution p { color: var(--ink-soft); font-size: 0.96rem; margin: 0; }
.solutions-2 { grid-template-columns: 1fr 1fr; }

/* Places financières */
.places {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid rgba(255,255,255,.18);
}
.place {
  padding: 30px 0 0;
  font-family: var(--font-title);
  font-weight: 300;
  font-size: clamp(1.4rem, 2.4vw, 2rem);
  letter-spacing: 0.02em;
}
@media (max-width: 900px) { .solutions { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .places { grid-template-columns: 1fr 1fr; row-gap: 8px; } }
@media (max-width: 560px) { .solutions { grid-template-columns: 1fr; } .solution { padding: 28px 22px; } }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 80px; align-items: start; }
.contact-form { display: grid; gap: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.field { display: grid; gap: 8px; border: 0; padding: 0; margin: 0; min-width: 0; }
.field label, .field legend { font-size: 0.88rem; font-weight: 500; color: var(--ink); padding: 0; }
.field legend { margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%;
  font: inherit;
  font-size: 0.98rem;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 13px 14px;
  transition: border-color .2s, background .2s;
}
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--night);
  background: var(--white);
}
.was-validated .field :invalid { border-color: #b3261e; }
.choices { display: flex; flex-wrap: wrap; gap: 10px 28px; font-size: 0.95rem; color: var(--ink-soft); }
[hidden] { display: none !important; }
.choices label { white-space: nowrap; display: flex; align-items: center; gap: 8px; font-weight: 400; cursor: pointer; }
.choices input { accent-color: var(--night); }
.consent { display: flex; gap: 12px; font-size: 0.85rem; color: var(--ink-soft); line-height: 1.55; cursor: pointer; }
.consent input { margin-top: 3px; accent-color: var(--night); flex-shrink: 0; }
.was-validated .consent input:invalid + span { color: #b3261e; }
.consent a { color: var(--blue); }
.contact-form .btn { justify-self: start; }
.form-note { font-size: 0.8rem; color: var(--ink-soft); margin: -8px 0 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { padding: 18px 22px; border-radius: var(--radius); margin-bottom: 28px; font-size: 0.95rem; }
.form-status-success { background: #eaf4ee; color: #1d5c37; border: 1px solid #c4e0cf; }
.form-status-error { background: #fbeceb; color: #8a1f17; border: 1px solid #f0c9c6; }
.contact-aside { border-left: 1px solid var(--line); padding-left: 48px; display: grid; gap: 30px; }
.aside-block .eyebrow { margin-bottom: 8px; }
.aside-block h3 { font-size: 1.4rem; margin-bottom: 4px; }
.aside-block p { margin: 0; color: var(--ink-soft); }
.aside-block a { text-decoration: none; color: var(--ink); }
.aside-block a:hover { text-decoration: underline; }
@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; gap: 56px; }
  .contact-aside { border-left: 0; padding-left: 0; border-top: 1px solid var(--line); padding-top: 40px; }
}
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }

.page-hero-sm { padding: 72px 0 64px; }

/* Pages juridiques */
.legal { max-width: 820px; }
.legal h2 { font-size: 1.6rem; margin: 56px 0 18px; }
.legal h2:first-child { margin-top: 0; }
.legal p, .legal li { color: var(--ink-soft); font-size: 0.98rem; }
.legal ul { padding-left: 20px; margin: 0 0 1em; }
.legal a { color: var(--blue); }
.legal dl {
  display: grid;
  grid-template-columns: 220px 1fr;
  margin: 0;
  border-top: 1px solid var(--line);
}
.legal dt, .legal dd { padding: 12px 0; border-bottom: 1px solid var(--line); margin: 0; font-size: 0.97rem; }
.legal dt { color: var(--ink); font-weight: 500; }
.legal dd { color: var(--ink-soft); }
@media (max-width: 560px) {
  .legal dl { grid-template-columns: 1fr; }
  .legal dt { border-bottom: 0; padding-bottom: 0; }
  .legal dd { padding-top: 2px; }
}

/* Étapes */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  counter-reset: step;
}
.steps li { counter-increment: step; border-top: 1px solid var(--night); padding-top: 22px; }
.steps li::before {
  content: "0" counter(step);
  display: block;
  font-family: var(--font-title);
  font-size: 0.8rem;
  letter-spacing: 0.2em;
  color: var(--ink-soft);
  margin-bottom: 14px;
}
.steps h3 { font-size: 1.15rem; margin-bottom: 8px; }
.steps-6 { grid-template-columns: repeat(3, 1fr); row-gap: 44px; }

/* Implantations */
.offices { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.office.person h3 { margin-bottom: 8px; }
.office.person .office-addr { margin-bottom: 18px; }
.offices-3 { grid-template-columns: repeat(3, 1fr); }
.offices-3 .office h3 { font-size: 1.4rem; font-weight: 400; }
@media (max-width: 900px) { .offices-3 { grid-template-columns: 1fr; } }
.office { border: 1px solid var(--line); border-radius: var(--radius); padding: 40px 36px; }
.office h3 { font-size: 1.8rem; font-weight: 300; margin-bottom: 14px; }
.office p { color: var(--ink-soft); margin: 0 0 18px; }
.office .office-addr {
  margin: 0;
  font-family: var(--font-title);
  font-size: 0.8rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--blue);
}
@media (max-width: 900px) { .steps-6 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps-6, .offices { grid-template-columns: 1fr; } .office { padding: 28px 22px; } }

/* Délais de réclamation (pages légales) */
.legal .steps-legal { grid-template-columns: 1fr 1fr; padding-left: 0; margin: 0 0 1em; }
.legal .steps-legal h3 { font-size: 1.2rem; }
@media (max-width: 560px) { .legal .steps-legal { grid-template-columns: 1fr; } }
.steps p { color: var(--ink-soft); font-size: 0.95rem; margin: 0; }

.disclaimer {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  padding: 28px 32px;
  font-size: 0.85rem;
  color: var(--ink-soft);
  line-height: 1.6;
}
.disclaimer strong { color: var(--ink); font-weight: 500; }

/* Engagements */
.values {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}
.values-2 { grid-template-columns: 1fr 1fr; gap: 56px; }
.value { border-top: 1px solid rgba(255,255,255,.18); padding-top: 26px; }
.value h3 { font-size: 1.25rem; margin-bottom: 10px; }
.value p { color: var(--silver); font-size: 0.95rem; margin: 0; }

/* Liste d'atouts */
.feature-list { list-style: none; margin: 0; padding: 0; }
.feature-list li { padding: 22px 0; border-top: 1px solid var(--line); }
.feature-list li:last-child { border-bottom: 1px solid var(--line); }
.feature-list h3 { font-size: 1.15rem; margin-bottom: 6px; }
.feature-list p { color: var(--ink-soft); font-size: 0.95rem; margin: 0; }
.fine-print { font-size: 0.78rem; color: var(--ink-soft); margin-top: 20px; line-height: 1.55; }

.h2-sm { font-size: clamp(1.5rem, 2.4vw, 2rem); }

/* Cas d'usage */
.case-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 70px;
  align-items: center;
}
.flow { display: grid; gap: 14px; }
.flow-step {
  display: grid;
  grid-template-columns: 130px 1fr;
  align-items: center;
  gap: 22px;
  padding: 22px 26px;
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  background: rgba(255,255,255,.03);
}
.flow-amount {
  font-family: var(--font-title);
  font-weight: 300;
  font-size: 2rem;
  color: var(--white);
  white-space: nowrap;
}
.flow-label { color: var(--silver); font-size: 0.95rem; line-height: 1.5; }
.flow-label strong { color: var(--white); font-weight: 500; display: block; }
.flow-split { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.flow-split .flow-step { grid-template-columns: 1fr; gap: 6px; }
.flow-split .flow-step:last-child { border-color: rgba(91,183,214,.45); }
.flow-split .flow-step:last-child .flow-amount { color: var(--cyan); }
.flow-arrow {
  text-align: center;
  color: var(--silver);
  font-size: 1.1rem;
  line-height: 1;
}
.case-note { font-size: 0.82rem; color: var(--silver); margin-top: 18px; opacity: .8; }

/* Profils */
.profiles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
}
.profile { border-top: 1px solid var(--night); padding-top: 24px; }
.profile p { color: var(--ink-soft); font-size: 0.97rem; }

/* Partenaires */
.partners {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 56px;
}
.partners p { color: var(--ink-soft); margin: 0; }
.partners-actions { justify-self: end; }

/* Cadre réglementaire */
.regulatory {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.reg-item { padding: 28px 0; border-top: 1px solid var(--line); }
.reg-item h3 { font-size: 1.1rem; margin-bottom: 8px; }
.reg-item p { font-size: 0.92rem; color: var(--ink-soft); margin: 0; }
.todo {
  background: #fff4cc;
  color: #6b5200;
  padding: 0 4px;
  border-radius: 2px;
  font-size: 0.85em;
}

/* Appel final */
.cta-band { text-align: center; }
.cta-band h2 { max-width: 760px; margin: 0 auto 18px; }
.cta-band .lead { margin: 0 auto 40px; }
.contact-card {
  display: inline-flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 28px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
  color: var(--silver);
  font-size: 0.95rem;
}
.contact-card strong { color: var(--white); font-weight: 500; }
.contact-card a { text-decoration: none; }
.contact-card a:hover { color: var(--white); }

/* Pied de page */
.site-footer {
  background: #171824;
  color: var(--silver);
  font-size: 0.85rem;
  padding: 44px 0;
}
.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 20px;
}
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 24px; }
.footer-links a { text-decoration: none; }
.footer-legal {
  margin: 24px 0 0;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: 0.78rem;
  opacity: .75;
}
.footer-links a:hover { color: var(--white); }

/* Bouton fixe mobile */
.mobile-cta { display: none; }

/* Responsive */
@media (max-width: 1180px) {
  .main-nav { gap: 20px; }
  .header-phone { display: none; }
  .pillars-4, .steps { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 1080px) {
  .menu-toggle { display: block; }
  .main-nav, .header-actions { display: none; }
  .site-header.open .main-nav {
    display: flex;
    flex-direction: column;
    gap: 0;
    position: absolute;
    top: 78px; left: 0; right: 0;
    background: var(--night);
    padding: 8px var(--gutter) 20px;
    border-bottom: 1px solid rgba(255,255,255,.1);
  }
  .site-header.open .main-nav a { padding: 12px 0; font-size: 1rem; }
}

@media (max-width: 900px) {

  .hero { padding: 72px 0 80px; }
  .hero-grid, .split, .case-grid, .partners { grid-template-columns: 1fr; }
  .hero-mark { display: none; }
  .split, .case-grid { gap: 40px; }
  .pillars, .profiles { grid-template-columns: 1fr; }
  .values { grid-template-columns: 1fr 1fr; gap: 32px; }
  .profiles { gap: 32px; }
  .regulatory { grid-template-columns: 1fr 1fr; }
  .partners { padding: 36px 28px; }
  .partners-actions { justify-self: start; }
  .section { padding: 76px 0; }
  .section-head { margin-bottom: 40px; }

  .mobile-cta {
    display: flex;
    position: fixed;
    left: 12px; right: 12px; bottom: 12px;
    z-index: 60;
    gap: 10px;
  }
  .mobile-cta .btn { flex: 1; justify-content: center; padding: 14px 10px; box-shadow: 0 6px 24px rgba(0,0,0,.25); }
  .mobile-cta .btn-call { flex: 0 0 auto; background: var(--night-3); color: var(--white); }
  body { padding-bottom: 78px; }
}

@media (max-width: 560px) {
  :root { --gutter: 16px; }
  body { font-size: 16px; }
  .brand-name { display: none; }
  .regulatory, .values, .pillars-4, .steps { grid-template-columns: 1fr; }
  .page-hero { padding: 64px 0 70px; }
  .disclaimer { padding: 22px 20px; }
  .reg-item { padding: 20px 0; }
  .flow-step { grid-template-columns: 1fr; gap: 6px; padding: 18px 20px; }
  .flow-split { grid-template-columns: 1fr; }
  .trust-bar ul { justify-content: flex-start; }
}

/* ---------- Photos (noir et blanc, dans l'esprit des plaquettes) ---------- */
.hero.hero-photo,
.page-hero.photo { position: relative; isolation: isolate; background-color: var(--night); background-repeat: no-repeat; }
.hero.hero-photo > .wrap,
.page-hero.photo > .wrap { position: relative; z-index: 1; }
.hero.hero-photo::before,
.page-hero.photo::before { content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none; }

/* Accueil */
.hero.hero-photo {
  padding: 150px 0 160px;
  background-image: url(../assets/photos/hero-accueil.jpg);
  background-position: center;
  background-size: cover;
}
.hero.hero-photo::before {
  background:
    linear-gradient(90deg, #1f2130 0%, rgba(31,33,48,.94) 30%, rgba(31,33,48,.55) 52%, rgba(31,33,48,.1) 78%, rgba(31,33,48,0) 100%),
    linear-gradient(180deg, rgba(31,33,48,.55) 0%, rgba(31,33,48,0) 28%, rgba(31,33,48,0) 70%, #1f2130 100%);
}
.hero-photo .hero-grid { grid-template-columns: minmax(0, 760px); }
.hero-photo h1 { text-shadow: 0 2px 30px rgba(0,0,0,.25); }

/* Pages intérieures */
.page-hero.photo { background-size: cover; background-position: center; }
.page-hero.photo::before {
  background:
    linear-gradient(90deg, rgba(31,33,48,.92) 0%, rgba(31,33,48,.68) 46%, rgba(31,33,48,.22) 100%),
    linear-gradient(180deg, rgba(31,33,48,0) 55%, rgba(31,33,48,.65) 100%);
}
.page-hero.photo:not(.page-hero-sm) { padding: 120px 0 124px; }
.photo-financement   { background-image: url(../assets/photos/hero-financement.jpg); }
.photo-transmission  { background-image: url(../assets/photos/hero-transmission.jpg); }
.photo-assurance     { background-image: url(../assets/photos/hero-assurance.jpg); background-position: center 70%; }
.photo-international { background-image: url(../assets/photos/hero-international.jpg); }
.photo-approche      { background-image: url(../assets/photos/hero-approche.jpg); }
.photo-contact       { background-image: url(../assets/photos/hero-contact.jpg); }

/* Photos des quatre expertises (accueil) */
.pillar-photo {
  display: block;
  width: calc(100% + 52px);
  max-width: none;
  margin: -34px -26px 26px;
  height: auto;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  border-radius: var(--radius) var(--radius) 0 0;
  transition: transform .5s ease, filter .3s;
}
.pillar { overflow: hidden; }
.pillar:hover .pillar-photo { transform: scale(1.04); }

/* Bandeau photo pleine largeur */
.photo-band { display: block; width: 100%; height: clamp(200px, 26vw, 380px); object-fit: cover; object-position: center 45%; }

@media (max-width: 900px) {
  .hero.hero-photo { padding: 220px 0 96px; background-size: cover; background-position: 68% 35%; }
  .hero.hero-photo::before {
    background: linear-gradient(180deg, rgba(31,33,48,.18) 0%, rgba(31,33,48,.10) 140px, rgba(31,33,48,.72) 330px, rgba(31,33,48,.9) 62%, #1f2130 100%);
  }
  .hero-photo h1, .hero-photo .lead, .hero-photo .eyebrow { text-shadow: 0 1px 18px rgba(20,22,34,.85); }
  .page-hero.photo:not(.page-hero-sm) { padding: 80px 0 84px; }
  .page-hero.photo::before {
    background: linear-gradient(180deg, rgba(31,33,48,.74) 0%, rgba(31,33,48,.66) 45%, rgba(31,33,48,.86) 100%);
  }
}
@media (max-width: 560px) {
  .pillar-photo { width: calc(100% + 52px); margin: -28px -26px 22px; }
}

/* ---------- Ouverture « comme la plaquette » (bureau et mobile) : photo en fond, logo par-dessus, dégradé, puis le texte DESSOUS ---------- */
.hero-logo { display: none; }
.hero.hero-photo, .page-hero.photo {
  --ph: clamp(300px, 30vw, 460px);
  padding: 0; background-image: none; background-color: #1f2130;
}
.hero.hero-photo { --ph: clamp(430px, 44vw, 700px); }
.page-hero-sm.photo { --ph: clamp(220px, 22vw, 320px); }

/* Accueil */
.hero.hero-photo::before {
  inset: auto; left: 0; right: 0; top: 0; height: var(--ph);
  background:
    linear-gradient(180deg, rgba(31,33,48,.45) 0%, rgba(31,33,48,0) 24%, rgba(31,33,48,0) 46%, rgba(31,33,48,.86) 78%, #1f2130 94%),
    url(../assets/photos/hero-accueil-bureau.jpg) center 10% / cover no-repeat;
}
.hero-logo {
  display: block; position: absolute; z-index: 2; left: 50%; top: 32px;
  transform: translateX(-50%);
  height: clamp(120px, 11vw, 170px); width: auto;
}
.hero.hero-photo > .wrap { padding-top: calc(var(--ph) * .94); padding-bottom: 110px; }
.hero-photo .hero-grid { grid-template-columns: minmax(0, 820px); }
.hero-photo h1 { text-shadow: none; }

/* Pages intérieures : même principe, sans le logo */
.page-hero.photo::before {
  inset: auto; left: 0; right: 0; top: 0; height: var(--ph);
  background-image: none; background-color: transparent;
  background-size: cover; background-position: center; background-repeat: no-repeat;
}
.page-hero.photo::after {
  content: ""; position: absolute; left: 0; right: 0; top: 0; z-index: 0; pointer-events: none;
  height: var(--ph);
  background: linear-gradient(180deg, rgba(31,33,48,.3) 0%, rgba(31,33,48,0) 32%, rgba(31,33,48,.78) 80%, #1f2130 95%);
}
.page-hero.photo.photo-financement::before   { background-image: url(../assets/photos/hero-financement.jpg); }
.page-hero.photo.photo-transmission::before  { background-image: url(../assets/photos/hero-transmission.jpg); }
.page-hero.photo.photo-assurance::before     { background-image: url(../assets/photos/hero-assurance.jpg); background-position: center 70%; }
.page-hero.photo.photo-international::before { background-image: url(../assets/photos/hero-international.jpg); }
.page-hero.photo.photo-approche::before      { background-image: url(../assets/photos/hero-approche.jpg); }
.page-hero.photo.photo-contact::before       { background-image: url(../assets/photos/hero-contact.jpg); }
.page-hero.photo > .wrap { padding-top: calc(var(--ph) * .9); padding-bottom: 92px; }
.page-hero-sm.photo > .wrap { padding-top: calc(var(--ph) * .82); padding-bottom: 68px; }
.page-hero.photo .breadcrumb { margin-bottom: 22px; }

@media (max-width: 900px) {
  .hero.hero-photo::before {
    background:
      linear-gradient(180deg, rgba(31,33,48,.45) 0%, rgba(31,33,48,0) 24%, rgba(31,33,48,0) 46%, rgba(31,33,48,.86) 78%, #1f2130 94%),
      url(../assets/photos/hero-accueil-mobile.jpg) 58% 38% / cover no-repeat;
  }
  .hero-photo .eyebrow { margin-bottom: 22px; font-size: .72rem; }
  .hero-photo h1 { font-size: clamp(2rem, 8.4vw, 2.5rem); line-height: 1.18; margin-bottom: 0; }
  .hero-photo .lead { font-size: 1.05rem; line-height: 1.75; margin: 30px 0 44px; }
  .hero-photo .hero-ctas { flex-direction: column; align-items: stretch; gap: 14px; }
  .hero-photo .hero-ctas .btn { justify-content: center; }
  .hero.hero-photo > .wrap { padding-top: calc(var(--ph) * .8); padding-bottom: 88px; }
  .page-hero.photo > .wrap { padding-top: calc(var(--ph) * .72); padding-bottom: 76px; }
  .page-hero-sm.photo > .wrap { padding-top: calc(var(--ph) * .64); padding-bottom: 60px; }
  .page-hero.photo h1 { font-size: clamp(1.95rem, 8vw, 2.4rem); line-height: 1.2; }
  .page-hero.photo .lead { font-size: 1.05rem; line-height: 1.75; margin-top: 26px; }

  /* Plus d'air sur tout le site (mobile) */
  .section { padding: 92px 0; }
  .section-head { margin-bottom: 52px; }
  h2 { line-height: 1.22; margin-bottom: .7em; }
  .lead { font-size: 1.05rem; line-height: 1.75; }
  p { margin-bottom: 1.25em; }
  .split { gap: 36px; }
  .pillars, .pillars-4 { gap: 30px; }
  .values { gap: 40px; }
  .steps, .steps-6 { row-gap: 40px; }
  .solutions .solution { padding: 34px 26px; }
  .feature-list li { padding: 26px 0; }
  .photo-band { height: clamp(210px, 52vw, 300px); }
}
@media (max-width: 560px) {
  body { line-height: 1.72; }
  .section { padding: 80px 0; }
  .pillar { padding-bottom: 32px; }
  .contact-card { gap: 10px 20px; }
}

/* ---------- Corrections suite à la revue experte (18/10/2026) ---------- */
/* Accueil : tout l'essentiel (titre, texte, boutons) visible dès la première vue, sans scroller */
.hero.hero-photo { --ph: clamp(360px, calc(100vh - 400px), 600px); }
.hero.hero-photo > .wrap { padding-top: calc(var(--ph) * .88); padding-bottom: 96px; }
.hero-photo .hero-grid { grid-template-columns: minmax(0, 900px); }
.hero-photo h1 { font-size: clamp(2rem, 3.2vw, 2.9rem); line-height: 1.16; }
.hero-photo .lead { font-size: 1.1rem; max-width: 660px; margin: 24px 0 32px; }

/* Logo : proportionnel à la hauteur de la photo (évite qu'il masque le personnage sur les écrans bas) */
.hero-logo { height: clamp(96px, calc(var(--ph) * .3), 170px); }

/* Numéro de téléphone cliquable */
.footer-tel { color: inherit; text-decoration: none; }
.footer-tel:hover { text-decoration: underline; color: var(--white); }

/* Bandeau de confiance sous l'ouverture */
.trust-bar { border-top: 1px solid rgba(255,255,255,.06); }
.trust-bar ul { padding: 24px 0; }

/* Bloc transmission resserré */
.notice {
  display: inline-block; margin: 6px 0 0; padding: 7px 16px;
  border: 1px solid var(--silver); border-radius: 999px;
  font-size: .78rem; letter-spacing: .04em; color: var(--ink-soft);
}
.feature-grid { display: grid; grid-template-columns: 1fr 1fr; column-gap: 56px; margin-top: 56px; }
.feature-grid li:nth-last-child(-n+2) { border-bottom: 1px solid var(--line); }
.feature-grid + .fine-print { margin-top: 28px; max-width: 860px; }

@media (max-width: 900px) {
  .hero.hero-photo { --ph: min(120vw, 580px); }
  .hero.hero-photo > .wrap { padding-top: calc(var(--ph) * .8); padding-bottom: 88px; }
  .hero-photo h1 { font-size: clamp(1.75rem, 7.4vw, 2.2rem); }
  .hero-photo .lead { font-size: 1.02rem; margin: 28px 0 40px; }
  .hero-logo { height: clamp(110px, 31vw, 135px); }
  .feature-grid { grid-template-columns: 1fr; margin-top: 40px; }
  .feature-grid li:nth-last-child(2) { border-bottom: 0; }
  .page-hero.photo h1 { font-size: clamp(1.75rem, 7.2vw, 2.2rem); }
}