:root{
  --accent:#0F6E68; --accent-fonce:#0B524E; --navy:#14213D; --accent-clair:#E6F2F1;
  --fond:#F7F9FB; --texte:#1B2433; --texte-2:#4A5568; --cta:#F5A623; --cta-texte:#14213D;
  --bord:#DCE3EA; --promo:#0B524E; --rayon:14px;
  --ombre:0 1px 2px rgba(20,33,61,.06),0 6px 18px rgba(20,33,61,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--texte);background:var(--fond);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--accent);text-underline-offset:3px}
a:hover{color:var(--accent-fonce)}
:focus-visible{outline:3px solid var(--cta);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:10px 14px;z-index:100}
.skip:focus{left:8px;top:8px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.promo{background:var(--promo);color:#fff;text-align:center;font-size:.92rem;padding:8px 16px}
.promo a{color:#fff;font-weight:600}
header.site{background:#fff;border-bottom:1px solid var(--bord);position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.logo{font-weight:800;font-size:1.15rem;color:var(--navy);text-decoration:none;letter-spacing:-.02em;display:flex;align-items:center;gap:10px}
.logo b{color:var(--accent)}
.logo svg{flex:none;width:28px;height:28px}
nav.main ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}
nav.main a{display:block;padding:10px 12px;color:var(--texte);text-decoration:none;font-weight:500;border-radius:8px}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--accent-clair);color:var(--accent-fonce)}
.burger{display:none;background:none;border:1px solid var(--bord);border-radius:8px;padding:8px 12px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
.button{display:inline-block;padding:13px 22px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid var(--accent);color:var(--accent-fonce);background:#fff;cursor:pointer;font-size:1rem;font-family:inherit;line-height:1.2;text-align:center}
.button:hover{background:var(--accent-clair);color:var(--accent-fonce)}
.button.primary{background:var(--cta);border-color:var(--cta);color:var(--cta-texte);box-shadow:0 2px 0 rgba(20,33,61,.15)}
.button.primary:hover{background:#E39A18;border-color:#E39A18;color:var(--cta-texte)}
.button.small{padding:9px 16px;font-size:.95rem}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1E3A5F 100%);color:#fff;padding:64px 0 72px}
.hero h1{color:#fff}
.hero .grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.hero p.lead{font-size:1.2rem;color:#DDE6F0;max-width:620px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:#8ED5CF;margin-bottom:.8em;display:block}
.section .eyebrow,.pagehead .eyebrow{color:var(--accent)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.hero .button:not(.primary){background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.hero .button:not(.primary):hover{background:rgba(255,255,255,.12)}
.proofs{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:8px 22px;color:#DDE6F0;font-size:.95rem}
.proofs li:before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:#8ED5CF;margin-right:8px}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:var(--rayon);padding:24px}
.hero-card h2{color:#fff;font-size:1.15rem}
.hero-card ul{margin:0;padding-left:1.1em;color:#DDE6F0}
.hero-card li{margin-bottom:.4em}
.section{padding:64px 0}
.section.alt{background:#fff;border-top:1px solid var(--bord);border-bottom:1px solid var(--bord)}
.section .intro{max-width:720px;color:var(--texte-2);font-size:1.08rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--bord);border-radius:var(--rayon);padding:24px;box-shadow:var(--ombre)}
.section.alt .card{background:var(--fond)}
.card h3{margin-bottom:.4em}
.card p{color:var(--texte-2);margin-bottom:.6em}
.card ul{margin:.4em 0 0;padding-left:1.1em;color:var(--texte-2)}
.card .more{font-weight:600;text-decoration:none}
.ico{width:46px;height:46px;border-radius:12px;background:var(--accent-clair);color:var(--accent);display:grid;place-items:center;margin-bottom:14px}
.ico svg{width:24px;height:24px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:28px;list-style:none;padding:0}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--bord);border-radius:var(--rayon);padding:22px;position:relative}
.steps li:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:12px}
.steps h3{font-size:1.05rem}
.steps p{color:var(--texte-2);margin:0;font-size:.98rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:0 0 12px 32px;position:relative}
.checks li:before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--accent-clair) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7' fill='none' stroke='%230F6E68' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat}
.band{background:var(--navy);color:#fff;border-radius:var(--rayon);padding:36px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.band h2{color:#fff;margin:0 0 .3em;font-size:1.5rem}
.band p{margin:0;color:#DDE6F0}
.pagehead{background:#fff;border-bottom:1px solid var(--bord);padding:44px 0 36px}
.pagehead p{color:var(--texte-2);font-size:1.12rem;max-width:720px;margin:0}
.crumbs{font-size:.9rem;color:var(--texte-2);margin-bottom:14px}
.crumbs a{color:var(--texte-2)}
.prose{max-width:780px}
.prose h2{margin-top:1.8em}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.note{background:var(--accent-clair);border-left:4px solid var(--accent);padding:14px 18px;border-radius:0 10px 10px 0;margin:1.4em 0}
.note p:last-child{margin:0}
.sources{font-size:.95rem;color:var(--texte-2)}
.meta{color:var(--texte-2);font-size:.92rem;margin-bottom:1.4em}
.tag{display:inline-block;background:var(--accent-clair);color:var(--accent-fonce);font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:99px;margin-bottom:10px}
.social{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,210px));justify-content:start;gap:14px;margin-top:24px}
.social a{display:flex;flex-direction:column;align-items:center;gap:8px;padding:18px 10px;background:#fff;border:1px solid var(--bord);border-radius:var(--rayon);text-decoration:none;color:var(--navy);font-weight:600;text-align:center;box-shadow:var(--ombre)}
.social a:hover{border-color:var(--accent);color:var(--accent-fonce)}
.social svg{width:28px;height:28px;color:var(--accent)}
.social small{font-weight:400;color:var(--texte-2)}
details.faq{background:#fff;border:1px solid var(--bord);border-radius:12px;margin-bottom:12px}
details.faq summary{cursor:pointer;padding:16px 20px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent)}
details.faq[open] summary:after{content:"\2212"}
details.faq div{padding:0 20px 16px;color:var(--texte-2)}
form.contact{background:#fff;border:1px solid var(--bord);border-radius:var(--rayon);padding:28px;box-shadow:var(--ombre)}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;margin-bottom:6px;color:var(--navy)}
.field .hint{font-weight:400;color:var(--texte-2);font-size:.9rem}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #B8C3CF;border-radius:10px;background:#fff;color:var(--texte)}
textarea{min-height:150px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid var(--accent-clair);border-color:var(--accent)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;color:var(--texte-2)}
.check input{width:20px;height:20px;margin-top:3px;flex:none}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.msg{padding:14px 18px;border-radius:10px;margin-top:16px;display:none}
.msg.ok{background:#E3F4EA;color:#14532D;display:block}
.msg.err{background:#FDE8E8;color:#7F1D1D;display:block}
.aside-card{background:var(--navy);color:#DDE6F0;border-radius:var(--rayon);padding:26px}
.aside-card h2,.aside-card h3{color:#fff}
.aside-card a{color:#fff}
.aside-card ul{padding-left:1.1em;margin:0}
footer.site{background:var(--navy);color:#C9D4E2;padding:48px 0 28px;margin-top:0}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
footer.site h2{color:#fff;font-size:1rem;margin-bottom:.8em}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:.45em}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:.88rem}
@media(max-width:900px){
  .hero .grid,.split{grid-template-columns:1fr}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .social{grid-template-columns:repeat(3,1fr)}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{font-size:16.5px}
  .burger{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--bord);padding:10px 20px 16px}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch}
  header.site{position:relative}
  .section{padding:44px 0}
  .hero{padding:44px 0 52px}
  .cards,.cards.two,.steps{grid-template-columns:1fr}
  .row2{grid-template-columns:1fr}
  .band{padding:26px}
}
@media(max-width:390px){.social{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr}}
@media print{header.site,footer.site,.promo,.band,.cta-row,form{display:none}body{background:#fff}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.leadband{background:linear-gradient(135deg,var(--accent-fonce),var(--navy));color:#fff;border-radius:var(--rayon);padding:32px 36px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.leadband h2{color:#fff;font-size:1.35rem;margin:0 0 .3em}
.leadband p{margin:0;color:#DDE6F0}
.ainline{background:var(--accent-clair);border:1px solid #BFDCD9;border-radius:var(--rayon);padding:20px 24px;margin:2em 0}
.ainline h2{font-size:1.1rem;margin:0 0 .6em}
.ainline ul{margin:0 0 .6em;padding-left:1.2em}
.ainline .disc{font-size:.88rem;color:var(--texte-2);margin:0}
.legal-aff{margin:0 0 10px;color:#C9D4E2}
iframe{max-width:100%}
.logo{min-width:0}
@media(max-width:760px){.logo{font-size:.98rem}.logo span{line-height:1.15}.logo svg{width:22px;height:22px}}
@media(max-width:390px){.logo{font-size:.9rem}}
@media(min-width:901px){.split.c13{grid-template-columns:1.3fr .7fr}}
nav.main a,.bar .button{white-space:nowrap}
@media(max-width:1100px) and (min-width:761px){nav.main a{padding:10px 8px;font-size:.95rem}.logo span{font-size:.95rem}}