:root{
  --navy:#1B3050; --navy-2:#243d63; --acc:#976628; --acc-d:#7a5120; --acc-l:#f6efe2;
  --gold:#E0B45E; --ink:#1b2733; --muted:#5b6b7c; --line:#ddd5c4; --bg:#f5f1e8; --white:#fff;
  --dark:#15233A; --ok:#157347; --warn:#b26a00; --bad:#b42318;
  --radius:14px; --shadow:0 6px 24px rgba(27,48,80,.09);
  --font:"Sora","Outfit","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--acc-d)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);letter-spacing:-.02em}
h2{font-size:clamp(1.55rem,3vw,2.1rem);letter-spacing:-.01em}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:200}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.brand img{height:44px;width:44px;display:block}
.wm{font-size:1.45rem;letter-spacing:-.025em;line-height:1;white-space:nowrap}
.wm b{color:var(--navy);font-weight:800}
.wm span{color:var(--acc);font-weight:500;margin-left:.22em}
.wm.light b{color:#F5F1E8}.wm.light span{color:var(--gold)}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:var(--acc)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:12px 22px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--acc);color:#fff}.btn-primary:hover{background:var(--acc-d)}
.btn-sos{background:var(--gold);color:var(--dark)}.btn-sos:hover{background:#d2a24a}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-wa{background:#25D366;color:#073b1d}.btn-wa:hover{background:#1fbd5a}
.btn-sm{padding:9px 16px;font-size:.92rem}

/* hero */
.hero .eyebrow{color:var(--gold)}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:700;color:var(--acc);margin-bottom:.8em}
.hero-points li::before{content:"✓";color:var(--gold);font-weight:800;margin-right:8px}


/* hero : diaporama */
.hero{background:linear-gradient(135deg,var(--dark) 0%,var(--navy) 60%,var(--navy-2) 100%);color:#fff;padding:44px 0 34px;position:relative;overflow:hidden}
.slides{display:grid}
.slide{grid-area:1/1;display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:44px;align-items:center;opacity:0;visibility:hidden;transition:opacity .7s ease,visibility .7s}
.slide.is-active{opacity:1;visibility:visible}
.slide h1,.slide .h1{color:#fff;font-size:clamp(1.75rem,3.3vw,2.7rem);line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
.slide p.lead{font-size:1.1rem;color:#d6e2ee;max-width:52ch}
.slide .pic{border-radius:20px;overflow:hidden;box-shadow:0 22px 50px rgba(0,0,0,.38);border:1px solid rgba(255,255,255,.14);aspect-ratio:16/9;background:var(--navy-2)}
.slide .pic img{width:100%;height:100%;object-fit:cover;display:block}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.btn-light{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.75)}.btn-light:hover{background:rgba(255,255,255,.12)}
.slider-ctl{display:flex;align-items:center;gap:14px;margin-top:26px}
.sl-btn{width:42px;height:42px;border-radius:50%;border:1.5px solid rgba(255,255,255,.55);background:transparent;color:#fff;font:inherit;font-size:1.3rem;line-height:1;cursor:pointer;display:grid;place-items:center;padding:0}
.sl-btn:hover{background:rgba(255,255,255,.14)}
.sl-pause{font-size:.7rem;letter-spacing:-1px}
.dots{display:flex;gap:10px;align-items:center}
.dots button{width:12px;height:12px;border-radius:50%;border:0;background:rgba(255,255,255,.4);padding:0;cursor:pointer;position:relative}
.dots button::after{content:"";position:absolute;inset:-8px}
.dots button[aria-current="true"]{background:var(--gold);width:34px;border-radius:999px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 26px;list-style:none;padding:0;margin:22px 0 0;color:#cfe0ee;font-size:.95rem}
.hero-note{font-size:.76rem;color:#8fa5bb;margin:12px 0 0}
@media(max-width:860px){
  .hero{padding:24px 0 28px}
  .slide{grid-template-columns:1fr;gap:20px}
  .slide .pic{order:-1}
  .slide p.lead{font-size:1rem}
}
@media(prefers-reduced-motion:reduce){.slide{transition:none}}

section{padding:72px 0}
.alt{background:var(--bg)}
.sec-head{max-width:720px;margin-bottom:34px}
.sec-head p{color:var(--muted);font-size:1.05rem}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--acc-l);color:var(--acc-d);display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.card ul{margin:.4em 0 0;padding-left:1.1em;color:var(--muted)}
.card.pack{position:relative}
.card.pack.hl{border:2px solid var(--acc)}
.pack .tag{position:absolute;top:-12px;left:22px;background:var(--acc);color:#fff;font-size:.78rem;font-weight:700;padding:3px 12px;border-radius:999px}

/* forms */
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(18px,3vw,34px)}
fieldset{border:0;margin:0 0 30px;padding:0;min-width:0}
fieldset[hidden]{display:none}
legend{font-size:1.2rem;font-weight:800;color:var(--navy);padding:0;margin-bottom:14px;display:flex;align-items:center;gap:10px}
legend .n{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:.9rem}
.fgrid{display:grid;gap:14px 18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.field{display:flex;flex-direction:column;gap:5px;min-width:0}
.field.full{grid-column:1/-1}
label,.lbl{font-weight:600;font-size:.92rem;color:var(--navy)}
.req::after{content:" *";color:var(--gold)}
.hint{font-size:.82rem;color:var(--muted);font-weight:400}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],input[type=search],select,textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid #c4d0da;border-radius:10px;padding:11px 12px;min-height:46px}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--acc);outline:3px solid rgba(151,102,40,.22)}
.input-unit{position:relative}
.input-unit input{padding-right:52px}
.input-unit .u{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.85rem;pointer-events:none}
.checks{display:grid;gap:8px 16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.chk{display:flex;gap:10px;align-items:flex-start;padding:10px 12px;border:1.5px solid var(--line);border-radius:10px;cursor:pointer;background:#fff;font-weight:500;color:var(--ink)}
.chk:hover{border-color:var(--acc)}
.chk input{margin-top:4px;width:18px;height:18px;accent-color:var(--acc);flex:none}
.chk:has(input:checked){border-color:var(--acc);background:var(--acc-l)}
.sub{margin:20px 0 10px;font-size:1rem;font-weight:800;color:var(--acc-d);text-transform:uppercase;letter-spacing:.06em}

/* documents checklist */
.docgroup{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
.docgroup>summary{cursor:pointer;list-style:none;padding:14px 16px;font-weight:800;color:var(--navy);background:var(--bg);display:flex;justify-content:space-between;gap:10px}
.docgroup>summary::-webkit-details-marker{display:none}
.docgroup>summary::after{content:"＋";color:var(--acc-d)}
.docgroup[open]>summary::after{content:"－"}
.docgroup[hidden]{display:none}
.doc{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(0,1.6fr) auto;gap:10px 16px;align-items:center;padding:12px 16px;border-top:1px solid var(--line)}
.doc .dn{font-weight:600;color:var(--ink)}
.doc .dn small{display:block;font-weight:400;color:var(--muted)}
.doc input[type=file]{width:100%;font:inherit;font-size:.88rem;color:var(--muted)}
.doc .later{display:flex;align-items:center;gap:6px;font-size:.85rem;white-space:nowrap}
.doc .later input{accent-color:var(--acc)}
.doc .st{font-size:.78rem;font-weight:700;border-radius:999px;padding:2px 10px;display:inline-block;margin-top:4px;background:#eef2f5;color:var(--muted)}
.doc.is-ok .st{background:#dff3e7;color:var(--ok)}
.doc.is-later .st{background:#fff2d9;color:var(--warn)}
.sizebar{display:flex;justify-content:space-between;gap:12px;font-size:.88rem;color:var(--muted);margin-top:8px}
.sizebar.over{color:var(--bad);font-weight:700}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.consent{background:var(--acc-l);border-radius:12px;padding:14px 16px}
.form-msg{margin-top:16px;padding:14px 16px;border-radius:10px;font-weight:600}
.form-msg[hidden]{display:none}
.form-msg.ok{background:#dff3e7;color:var(--ok)}
.form-msg.err{background:#fde7e4;color:var(--bad)}
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:10px}
.fine{font-size:.85rem;color:var(--muted)}

/* calculator */
.calc{display:grid;gap:26px;grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start}
.result{position:sticky;top:90px}
.kpi{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:14px 0}
.kpi div{background:var(--bg);border-radius:12px;padding:12px 14px}
.kpi b{display:block;font-size:1.3rem;color:var(--navy)}
.kpi span{font-size:.82rem;color:var(--muted)}
.verdict{border-radius:12px;padding:14px 16px;font-weight:700;margin-bottom:14px}
.verdict.ok{background:#dff3e7;color:var(--ok)}
.verdict.warn{background:#fff2d9;color:var(--warn)}
.verdict.bad{background:#fde7e4;color:var(--bad)}
.gauge{position:relative;height:16px;border-radius:999px;background:linear-gradient(90deg,#dff3e7 0,#dff3e7 66%,#fff2d9 66%,#fff2d9 82%,#fde7e4 82%);margin:8px 0 4px;overflow:visible}
.gauge i{position:absolute;top:-4px;width:6px;height:24px;border-radius:3px;background:var(--navy);transform:translateX(-50%);transition:left .3s}
.gauge-l{display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted)}
table.t{width:100%;border-collapse:collapse;font-size:.95rem;margin-top:8px}
table.t th{text-align:left;font-weight:600;color:var(--muted);padding:7px 0;border-bottom:1px solid var(--line)}
table.t td{padding:7px 0;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums}
table.t td:first-child{text-align:left;color:var(--ink)}
table.t tr.tot td{font-weight:800;color:var(--navy);border-bottom:2px solid var(--navy)}
.checklist{list-style:none;margin:10px 0 0;padding:0}
.checklist li{padding:4px 0 4px 26px;position:relative;font-size:.95rem}
.checklist li::before{position:absolute;left:0;font-weight:800}
.checklist li.y::before{content:"✓";color:var(--ok)}
.checklist li.n::before{content:"✗";color:var(--bad)}
.disclaimer{font-size:.82rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:14px}

/* footer, floating wa, cookies */
.site-footer{background:var(--dark);color:#cfdbe7;padding:48px 0 26px;font-size:.95rem}
.site-footer a{color:#fff}
.foot{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer .brand img{height:40px;width:40px}
.copy{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:16px;font-size:.85rem;color:#9fb2c4;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px}
.copy button{background:none;border:0;color:#fff;font:inherit;text-decoration:underline;cursor:pointer;padding:0}
.wa-float{position:fixed;right:18px;bottom:18px;z-index:90;display:flex;align-items:center;gap:10px;background:#25D366;color:#073b1d;text-decoration:none;font-weight:800;padding:12px 18px;border-radius:999px;box-shadow:0 8px 24px rgba(0,0,0,.25)}
.wa-float:hover{background:#1fbd5a}
.wa-float svg{width:26px;height:26px;flex:none}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:120;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 12px 40px rgba(11,42,74,.28);padding:20px}
.cookie[hidden]{display:none}
.cookie h2{font-size:1.1rem;margin-bottom:6px}
.cookie p{font-size:.9rem;color:var(--muted);margin-bottom:10px}
.cookie .opts{display:grid;gap:6px;margin:8px 0 12px}
.cookie .opts[hidden]{display:none}
.cookie .row{display:flex;flex-wrap:wrap;gap:10px}
.legal{max-width:820px;padding:56px 20px 72px}
.legal h2{margin-top:1.6em;font-size:1.35rem}
.legal li{margin-bottom:.35em}

@media(max-width:860px){
  .calc{grid-template-columns:1fr}.result{position:static}
  .doc{grid-template-columns:1fr}
  section{padding:52px 0}
  .wa-float span{display:none}.wa-float{padding:14px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.wa-float,.cookie{display:none}}

/* taux du jour */
.rates-sec{background:var(--bg);padding:48px 0}
.rates-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:8px 24px;margin-bottom:20px}
.rates-head h2{margin:0}
.rates-head .fine{margin:0}
.rates{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.rate{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:2px}
.rate .rl{font-weight:800;color:var(--navy);font-size:1.05rem}
.rate .rf{font-size:.8rem;color:var(--muted);margin-top:8px}
.rate .rv{font-size:2.3rem;line-height:1.1;color:var(--acc);letter-spacing:-.02em}
.rate .rs{font-size:.85rem;color:var(--muted)}
.rate-use{align-self:flex-start;margin-top:12px;background:none;border:0;padding:0;font:inherit;font-size:.9rem;font-weight:700;color:var(--acc-d);text-decoration:underline;cursor:pointer}
.rates-note{margin:16px 0 18px;max-width:80ch}

/* documents */
.dl{display:flex;gap:22px;align-items:flex-start;padding:26px}
.pdf-ico{flex:none;width:64px;height:78px;border-radius:10px;background:var(--navy);color:var(--gold);font-weight:800;font-size:1.05rem;display:grid;place-items:center;letter-spacing:.04em;border-bottom:5px solid var(--gold)}
.dl-body h3{margin-bottom:.35em}
.steps{margin:26px 0 22px;padding-left:1.3em;display:grid;gap:8px;max-width:75ch}
.steps li::marker{color:var(--acc);font-weight:800}
@media(max-width:560px){.dl{flex-direction:column}}

/* blog */
.blog-hero{background:linear-gradient(135deg,var(--dark) 0%,var(--navy) 100%);color:#fff;padding:56px 0 52px}
.blog-hero h1{color:#fff;margin-bottom:.35em}
.blog-hero .eyebrow{color:var(--gold)}
.lead-b{color:#d6e2ee;font-size:1.1rem;max-width:60ch;margin:0}
.blog-list{background:var(--bg);padding:48px 0 64px}
.posts{display:grid;gap:24px;grid-template-columns:repeat(auto-fill,minmax(310px,1fr))}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;display:flex;flex-direction:column;color:inherit;text-decoration:none;transition:transform .15s,box-shadow .15s}
.post-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(27,48,80,.16)}
.post-card .th{aspect-ratio:16/9;overflow:hidden;background:var(--navy-2)}
.post-card .th img{width:100%;height:100%;object-fit:cover;display:block}
.post-card .bd{padding:18px 20px 20px;display:flex;flex-direction:column;gap:8px;flex:1}
.post-card h2{font-size:1.15rem;line-height:1.3;margin:0}
.post-card p{margin:0;color:var(--muted);font-size:.93rem}
.post-card .more{margin-top:auto;padding-top:6px;font-weight:700;color:var(--acc-d);font-size:.92rem}
.tag{align-self:flex-start;background:var(--acc-l);color:var(--acc-d);font-weight:700;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:999px}
.post{max-width:780px;margin-left:auto;margin-right:auto}
.post h1{font-size:clamp(1.7rem,3.6vw,2.4rem);margin-bottom:.3em}
.post .lead{font-size:1.15rem;color:var(--ink)}
.post .meta{color:var(--muted);font-size:.9rem;margin-bottom:1.2em}
.post .eyebrow{margin-bottom:.4em}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:1em}
.post-img{margin:0 0 1.6em;border-radius:16px;overflow:hidden;aspect-ratio:21/9;background:var(--navy-2)}
.post-img img{width:100%;height:100%;object-fit:cover;display:block}
.post h2{margin-top:1.7em}
.post ul,.post ol{padding-left:1.3em}
.post li{margin-bottom:.45em}
.tbl{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem}
.tbl caption{text-align:left;font-weight:700;color:var(--navy);padding-bottom:6px}
.tbl th{text-align:left;background:var(--bg);color:var(--navy);padding:9px 10px;border-bottom:2px solid var(--line)}
.tbl td{padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl tr.tot td{font-weight:800;color:var(--navy);border-top:2px solid var(--navy)}
.callout{background:var(--acc-l);border-left:4px solid var(--acc);border-radius:10px;padding:14px 18px;margin:1.6em 0}
.callout ul{margin:.4em 0 0}
.cta-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px;margin:2em 0}
.cta-box h2{color:#fff;margin:0 0 .3em;font-size:1.3rem}
.cta-box p{color:#d6e2ee}
.cta-box .btn-ghost{color:#fff;border-color:rgba(255,255,255,.7)}
.rel{padding-left:1.2em}
.src{font-size:.9rem;padding-left:1.2em}
.src a{word-break:break-word}
.field[hidden]{display:none}




/* simulateur achat à rénover */
.reno{background:var(--bg);border:1px solid var(--line);border-radius:28px;padding:clamp(14px,2.5vw,30px)}
.reno h2{font-size:clamp(1.7rem,3.2vw,2.2rem);margin:6px 0 6px}
.reno h3{font-size:1.15rem;margin:0 0 12px}
.rlead{color:var(--muted);margin:0 0 20px;max-width:780px}
.rnote{display:flex;gap:14px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:#e4e9f1;border-radius:16px;padding:14px 18px;margin-bottom:18px}
.rnote p{margin:0}.rnote div{display:flex;gap:10px;flex-wrap:wrap}
.rnote[hidden]{display:none}
.rtabs{display:flex;gap:6px;overflow-x:auto;border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:24px;-webkit-overflow-scrolling:touch}
.rtab{flex:0 0 auto;display:inline-flex;align-items:center;gap:8px;border:2px solid transparent;background:none;border-radius:999px;padding:10px 16px;font:inherit;font-weight:700;color:var(--muted);cursor:pointer;white-space:nowrap}
.rtab i{width:11px;height:11px;border-radius:50%;background:var(--acc);display:inline-block}
.rtab.done i{background:var(--ok)}
.rtab.on{border-color:var(--navy);color:var(--navy)}
.rstep[hidden]{display:none}
.rcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(14px,2.2vw,26px);margin-bottom:18px;box-shadow:var(--shadow)}
.rcard .fgrid{margin:14px 0 0}
.rcard>.field+.fgrid{margin-top:16px}
.rrow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}
.rrow:last-of-type{border-bottom:0}
.rrow b{font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.rrow b.neg{color:var(--bad)}
.rrow.strong{font-weight:800}
.iu{position:relative}.iu input{width:100%;padding-right:96px;font-variant-numeric:tabular-nums}
.iu .u{position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.82rem;pointer-events:none;max-width:90px;text-align:right;line-height:1.1}
.rprog{font-weight:800;margin:0 0 12px;font-size:1.05rem}
.rnav{display:flex;justify-content:space-between;gap:12px;margin-top:22px;flex-wrap:wrap}
.vc{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--line)}
.vc:last-child{border-bottom:0}
.vc input{width:22px;height:22px;flex:0 0 auto;margin-top:2px}
.wrow{display:grid;grid-template-columns:1fr 190px 210px 44px;gap:10px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.wrow .x{height:44px;border:1px solid var(--line);background:#fff;border-radius:10px;font-size:1.3rem;cursor:pointer;color:var(--muted)}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0}
.chip{border:1.5px dashed var(--muted);background:none;border-radius:999px;padding:7px 14px;font:inherit;font-size:.92rem;cursor:pointer;color:var(--navy)}
.chip:hover{background:var(--bg)}
.bar{height:12px;background:#ece5d9;border-radius:99px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--navy);border-radius:99px;width:0}
.qscore{display:flex;align-items:center;gap:14px;margin-bottom:12px}
.qscore b{font-size:3rem;line-height:1;color:var(--navy)}
.badge{display:inline-block;border-radius:99px;padding:4px 12px;font-size:.85rem;font-weight:700;background:#fbeccd;color:var(--warn)}
.badge.ok{background:#dff3e7;color:var(--ok)}.badge.bad{background:#fde7e4;color:var(--bad)}.badge.na{background:#e4e9f1;color:var(--muted)}
.crit{display:flex;justify-content:space-between;gap:16px;align-items:flex-end;padding:18px 0;border-bottom:1px solid var(--line);flex-wrap:wrap}
.crit:first-child{padding-top:0}.crit:last-child{border-bottom:0;padding-bottom:0}
.crit .fine{margin:2px 0 8px}
.crit-in{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.scores{display:flex;gap:10px}
.sc{width:44px;height:44px;border-radius:50%;border:2px solid var(--line);background:#fff;font:inherit;font-weight:700;color:var(--muted);cursor:pointer}
.sc.on{background:var(--navy);border-color:var(--navy);color:#fff}
.vhead{display:flex;gap:18px;align-items:center;border-radius:20px;padding:22px 24px;margin-bottom:18px}
.vhead b{font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);line-height:1.15}
.vhead p{margin:4px 0 0;color:var(--text)}
.vhead.ok{background:#dff3e7}.vhead.warn{background:#f9e9cc}.vhead.bad{background:#fde7e4}
.vi{flex:0 0 auto;width:54px;height:54px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:1.6rem;font-weight:800;background:var(--ok)}
.vhead.warn .vi{background:var(--acc)}.vhead.bad .vi{background:var(--bad)}
.stack-wrap{position:relative;margin:6px 0 14px}
.stack-lbl{font-size:.85rem;font-weight:700;margin-bottom:6px;white-space:nowrap}
.stack{position:relative;display:flex;height:36px;background:#ece5d9;border-radius:99px;overflow:visible}
.stack i{display:block;height:100%}
.stack i:first-child{border-radius:99px 0 0 99px}
.stack u{position:absolute;top:-8px;bottom:-8px;width:3px;background:var(--navy);text-decoration:none}
.c1{background:#1f3050}.c2{background:#7387b1}.c3{background:#dcb56a}.c4{background:#efd9a4}.c5{background:#aab4c6}
.legend{list-style:none;display:flex;gap:6px 18px;flex-wrap:wrap;margin:0 0 18px;padding:0;font-size:.92rem}
.legend li{display:flex;align-items:center;gap:7px}.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
.vlight{display:grid;grid-template-columns:200px 1fr;gap:6px 24px;padding:16px 0;border-bottom:1px solid var(--line)}
.vlight:last-child{border-bottom:0}
.vlight>div{display:flex;flex-direction:column;gap:6px;align-items:flex-start}
.vlight p{margin:0;color:var(--muted)}
@media(max-width:760px){.wrow{grid-template-columns:1fr 1fr 44px}.wrow>input:first-child{grid-column:1/-1}.wrow>select{grid-column:1/3}.vlight{grid-template-columns:1fr}.rrow{flex-wrap:wrap}.rrow b{white-space:normal}.vhead{flex-direction:column;align-items:flex-start}.crit-in{width:100%}}
@media print{.site-header,.site-footer,.wa-float,.rtabs,.rnav,.actions,.rnote,.skip,#cookie-banner,.chips,.x{display:none!important}.rstep,.rstep[hidden]{display:block!important}.reno{border:0;background:#fff}.rcard{box-shadow:none;break-inside:avoid}}
.stack-lbl{white-space:normal;max-width:100%;overflow-wrap:anywhere}
@media(max-width:760px){.stack-lbl{margin-left:0!important}.stack u{right:0}.legend{font-size:.85rem}}
.reno{overflow-x:clip}

@media print{.sites-bar{display:none}}

.msite{background:#fff;border-bottom:1px solid var(--line);padding:22px 0 24px}
.msite-t{margin:0 0 14px;text-align:center;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--muted)}
.marquee{display:flex;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.mtrack{display:flex;flex:0 0 auto;min-width:100%;justify-content:space-around;gap:0;margin:0;padding:0;list-style:none;animation:mq 32s linear infinite}
.marquee:hover .mtrack,.marquee:focus-within .mtrack{animation-play-state:paused}
@keyframes mq{to{transform:translateX(-100%)}}
.ms-item{display:flex;align-items:center;gap:10px;padding:10px 30px;text-decoration:none;white-space:nowrap;border-radius:14px}
.ms-item img{height:34px;width:34px}
.ms-item .wm{font-size:1.25rem}
.ms-item small{color:var(--muted);font-size:.78rem;border-left:1px solid var(--line);padding-left:10px}
.ms-item:hover{background:var(--bg)}
@media(prefers-reduced-motion:reduce){.marquee{overflow-x:auto;-webkit-mask-image:none;mask-image:none}.mtrack{animation:none}.mtrack[aria-hidden]{display:none}}
@media print{.msite{display:none}}
/* tableau des taux par prêteur */
.tx-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);margin:10px 0 20px}
.tx{width:100%;border-collapse:collapse;min-width:640px}
.tx th,.tx td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tx thead th{background:var(--navy);color:#fff;font-size:.9rem;white-space:nowrap}
.tx thead button{all:unset;cursor:pointer;color:#fff;font-weight:700}
.tx thead button::after{content:" \21C5";opacity:.5;font-size:.8em}
.tx thead th[aria-sort=ascending] button::after{content:" \2191";opacity:1}
.tx thead th[aria-sort=descending] button::after{content:" \2193";opacity:1}
.tx .n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.tx tbody th{font-weight:700;color:var(--navy)}
.tx small{display:block;font-weight:400;color:var(--muted);font-size:.78rem;margin-top:2px;white-space:normal}
.tx td.best{background:#dff3e7;color:var(--ok);font-weight:800}
.tx .od{color:var(--muted);font-weight:400;font-size:.88rem}
.tx tfoot th,.tx tfoot td{background:var(--bg);font-weight:800;border-bottom:0}
.tx-note{margin-top:18px}.tx-note ul{margin:8px 0 0;padding-left:20px}.tx-note li{margin:6px 0}
@media(max-width:720px){.tx th,.tx td{padding:11px 10px}}

.nav a{white-space:nowrap}
.nav{gap:18px}
.site-header{position:sticky}
/* FAQ */
.faq{max-width:860px;margin:10px 0 0}
.faq-i{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;box-shadow:var(--shadow);overflow:hidden}
.faq-i summary{cursor:pointer;list-style:none;display:flex;gap:14px;align-items:flex-start;padding:18px 20px;font-weight:700;color:var(--navy);font-size:1.05rem}
.faq-i summary::-webkit-details-marker{display:none}
.faq-i summary .n{flex:0 0 auto;width:30px;height:30px;border-radius:50%;background:var(--bg);color:var(--acc-d);display:grid;place-items:center;font-size:.85rem}
.faq-i summary::after{content:"+";margin-left:auto;font-size:1.5rem;line-height:1;color:var(--acc)}
.faq-i[open] summary::after{content:"\2212"}
.faq-i[open] summary{border-bottom:1px solid var(--line)}
.faq-a{padding:6px 20px 18px 64px}
.faq-a p{margin:12px 0 0}
@media(max-width:600px){.faq-a{padding-left:20px}.faq-i summary{padding:16px}}
@media print{.faq-i{box-shadow:none}.faq-i>.faq-a{display:block!important}}
/* hero : image agrandie */
.hero>.wrap{max-width:1480px}
.slide{grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:40px}
.hero{padding:40px 0 30px}
.slide .pic{border-radius:24px}
@media(max-width:1100px){.slide{grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:28px}}
@media(max-width:860px){.slide{grid-template-columns:1fr}.hero>.wrap{max-width:none}}

/* barre supérieure : sites SOS, téléphone, langues */
.sites-bar{background:var(--dark);color:#9fb2c4;font-size:.82rem}
.sites-bar .wrap{display:flex;align-items:center;gap:16px;min-height:38px}
.bar-l{display:flex;align-items:center;gap:18px;flex:1 1 auto;min-width:0;overflow-x:auto;white-space:nowrap;scrollbar-width:none}
.bar-l::-webkit-scrollbar{display:none}
.bar-l span{font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.72rem;color:#7f93a8}
.bar-l nav{display:flex;gap:6px 20px}
.bar-l a{color:#dbe5ee;text-decoration:none;padding:9px 0}
.bar-l a:hover{color:#fff;text-decoration:underline}
.bar-l a.cur{color:var(--gold);font-weight:700}
.bar-r{display:flex;align-items:center;gap:14px;flex:0 0 auto}
.tel{display:inline-flex;align-items:center;gap:7px;color:#fff;text-decoration:none;font-weight:700;padding:6px 0;white-space:nowrap}
.tel:hover{color:var(--gold)}
.tel svg{flex:none;color:var(--gold)}
.lang{display:flex;border:1px solid rgba(255,255,255,.28);border-radius:8px;overflow:hidden}
.lang button{background:none;border:0;color:#cfdbe7;font:inherit;font-weight:700;font-size:.78rem;padding:6px 10px;cursor:pointer;letter-spacing:.04em}
.lang button+button{border-left:1px solid rgba(255,255,255,.2)}
.lang button:hover{background:rgba(255,255,255,.12);color:#fff}
.lang button[aria-pressed=true]{background:var(--gold);color:var(--dark)}
@media(max-width:700px){.tel b{display:none}.tel{padding:8px 4px}.tel svg{width:20px;height:20px}.sites-bar .wrap{gap:10px}.bar-r{gap:10px}.lang button{padding:8px 9px}}

/* menu : bureau (ligne) / tablette et mobile (panneau) */
.nav-cta{display:contents}
.nav-tel{display:none}
.nav-toggle{align-items:center;gap:8px;min-height:44px}
.nav-toggle .t-close{display:none}
.nav-toggle[aria-expanded=true] .t-open{display:none}
.nav-toggle[aria-expanded=true] .t-close{display:inline}
.nav-toggle::before{content:"";width:18px;height:12px;background:linear-gradient(var(--navy),var(--navy)) 0 0/100% 2px no-repeat,linear-gradient(var(--navy),var(--navy)) 0 50%/100% 2px no-repeat,linear-gradient(var(--navy),var(--navy)) 0 100%/100% 2px no-repeat;display:inline-block}
.nav-toggle[aria-expanded=true]::before{background:linear-gradient(45deg,transparent 45%,var(--navy) 45% 55%,transparent 55%),linear-gradient(-45deg,transparent 45%,var(--navy) 45% 55%,transparent 55%);height:14px}
@media(max-width:1240px){
  .nav-toggle{display:inline-flex}
  .nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(11,42,74,.16);padding:18px clamp(16px,4vw,40px) 22px;display:none;max-height:calc(100vh - 120px);overflow-y:auto;flex-direction:initial;gap:0}
  .nav.open{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:10px 14px;animation:navin .18s ease-out}
  .nav>a{display:flex;align-items:center;min-height:54px;padding:0 18px;border:1px solid var(--line);border-radius:14px;background:var(--bg);font-size:1.05rem;font-weight:700;color:var(--navy)}
  .nav>a[aria-current],.nav>a:active{background:var(--acc-l);border-color:var(--acc)}
  .nav-cta{display:flex;gap:12px;grid-column:1/-1;margin-top:6px;flex-wrap:wrap}
  .nav-cta .btn{flex:1 1 220px;justify-content:center;min-height:54px;font-size:1.05rem;border-radius:14px}
  .nav-tel{display:inline-flex;align-items:center;gap:8px}
  .nav-tel span{font-weight:800}
}
@keyframes navin{from{opacity:0;transform:translateY(-6px)}}

/* traduction : avis pages juridiques */
.lnote{margin:16px 0 0;padding:10px 14px;background:#fff6dc;border:1px solid var(--gold);border-radius:8px;font-size:.92rem}
html[lang=fr] .lnote{display:none}

/* traduction : mots longs (allemand) sans débordement */
html[lang=de] body{hyphens:auto}
.panel,.panel>*,.calc>*,.grid>*,.card,.rcard,.field{min-width:0}
.panel{overflow-wrap:anywhere}
.btn,.nav>a{overflow-wrap:anywhere}
.reno,.reno>*,.rtabs{min-width:0;max-width:100%}
h1,h2,h3,h4{overflow-wrap:anywhere}
@media(max-width:1240px){.sites-bar a.cur{display:none}}
@media(max-width:1240px){.sites-bar a.cur{display:none}}

/* vidéo d'accueil */
.vid-sec{padding:56px 0;background:var(--bg)}
.vid-head{text-align:center;max-width:720px;margin:0 auto 24px}
.vid-head p{color:var(--muted);margin:0}
.vid-box{max-width:960px;margin:0 auto;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:var(--dark);aspect-ratio:16/9}
.vid-box video{display:block;width:100%;height:100%;object-fit:cover}
.vid-tr{max-width:960px;margin:16px auto 0;font-size:.95rem}
.vid-tr summary{cursor:pointer;font-weight:600;color:var(--acc-d)}
.vid-tr ol{padding-left:20px}

/* Carrousel du réseau SOS (repris de sos-gestion.ch) */
.reseau{background:linear-gradient(180deg,#f5f1e8 0%,#eef1f4 100%);padding:56px 0 40px}
.reseau .sec-head{max-width:46em;margin-bottom:28px}
.reseau .sec-head p{color:var(--muted);font-size:1.05rem;margin:0}
.net{position:relative}
.net-track{list-style:none;margin:0;padding:6px 2px 26px;display:flex;gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.net-track::-webkit-scrollbar{display:none}
.net-card{flex:0 0 min(84%,340px);scroll-snap-align:start}
.net-card a{position:relative;display:flex;flex-direction:column;height:100%;min-height:260px;padding:26px 26px 22px;border-radius:24px;background:var(--navy);color:#fff;text-decoration:none;overflow:hidden;box-shadow:var(--shadow);transition:transform .25s ease}
.net-card a::before{content:"";position:absolute;left:0;top:0;right:0;height:6px;background:var(--a)}
.net-card a::after{content:"";position:absolute;right:-40px;top:-40px;width:140px;height:140px;border-radius:50%;background:var(--a);opacity:.14}
.net-card a:hover{transform:translateY(-5px);color:#fff}
.net-name{font-size:1.5rem;font-weight:700;letter-spacing:-.02em;line-height:1.1;margin-top:6px}
.net-name small{font-size:1rem;font-weight:500;color:var(--a)}
.net-tag{display:inline-block;align-self:flex-start;margin:12px 0 10px;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#15233A;background:var(--a);border-radius:999px;padding:4px 12px}
.net-desc{color:#CBD3E0;font-size:.95rem;line-height:1.5}
.net-go{margin-top:auto;padding-top:18px;font-weight:600;color:#fff}
.net-card.n1{--a:#6BBFCB}.net-card.n2{--a:#F0A38A}.net-card.n3{--a:#9BD1A0}.net-card.n4{--a:#E0B45E}.net-card.n5{--a:#B4A6E6}.net-card.n6{--a:#8FB5F0}
.net-ctl{display:flex;gap:10px;justify-content:flex-end}
.net-btn{width:48px;height:48px;border-radius:50%;border:1.5px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer;display:grid;place-items:center;transition:background .2s,color .2s}
.net-btn svg{width:22px;height:22px}
.net-btn:hover{background:var(--navy);color:#fff}
@media(min-width:720px){.net-card{flex-basis:calc((100% - 20px)/2)}}
@media(min-width:980px){.net-card{flex-basis:calc((100% - 40px)/3)}}
@media(prefers-reduced-motion:reduce){.net-track{scroll-behavior:auto}.net-card a{transition:none}}
@media print{.reseau{display:none}}

/* tableau du calculateur : chiffres jamais coupés, version mobile en cartes */
table.t td .v{white-space:nowrap}
table.t .vl{display:none}
@media (max-width:640px){
  table.t{font-size:.95rem}
  table.t thead{display:none}
  table.t,table.t tbody{display:block}
  table.t tr{display:grid;grid-template-columns:1fr 1fr;column-gap:12px;padding:10px 0;border-bottom:1px solid var(--line)}
  table.t td{border:0;padding:0;text-align:left;display:flex;flex-direction:column}
  table.t td:first-child{grid-column:1/-1;display:block;font-weight:600;color:var(--navy);margin-bottom:6px}
  table.t td.empty{display:none}
  table.t .vl{display:block;font-size:.72rem;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);font-weight:600}
  table.t td .v{font-size:1.05rem;font-variant-numeric:tabular-nums}
  table.t tr td:nth-child(3) .v{color:var(--navy);font-weight:700}
  table.t tr.tot{border-bottom:2px solid var(--navy);background:var(--acc-l);padding:12px 8px;border-radius:8px}
  table.t tr.tot td{border:0;font-weight:800;color:var(--navy)}
  table.t tr.tot td:first-child{margin-bottom:6px}
}

/* chat */
.sc-fab{position:fixed;right:18px;bottom:18px;z-index:90;display:flex;align-items:center;gap:10px;border:0;cursor:pointer;background:var(--navy);color:#fff;font:700 .98rem var(--font);padding:14px 20px;border-radius:999px;box-shadow:0 8px 24px rgba(0,0,0,.28)}
.sc-fab:hover{background:var(--navy-2)}
.sc-fab svg{flex:none;color:var(--gold)}
.sc-panel{padding:0;position:fixed;right:18px;bottom:84px;z-index:95;width:min(390px,calc(100vw - 24px));height:min(600px,calc(100dvh - 110px));display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 18px 50px rgba(15,25,45,.35);overflow:hidden}
.sc-panel[hidden]{display:none}
.sc-head{display:flex;align-items:center;gap:6px;padding:14px 12px 14px 18px;background:var(--navy);color:#fff;border-bottom:3px solid var(--gold)}
.sc-ht{flex:1;min-width:0}.sc-ht strong{display:block;font-size:1.02rem}.sc-ht span{display:block;font-size:.8rem;opacity:.85}
.sc-ib{width:36px;height:36px;border-radius:50%;border:0;background:transparent;color:#fff;cursor:pointer;display:grid;place-items:center}
.sc-ib:hover{background:rgba(255,255,255,.18)}
.sc-log{flex:1;min-height:90px;overflow-y:auto;padding:16px;display:flex;flex-direction:column;gap:10px;background:var(--bg);overscroll-behavior:contain}
.sc-m{max-width:90%;padding:11px 14px;border-radius:16px;font-size:.95rem;line-height:1.5;overflow-wrap:anywhere}
.sc-a{align-self:flex-start;background:#fff;color:var(--ink);border:1px solid var(--line);border-bottom-left-radius:5px}
.sc-u{align-self:flex-end;background:var(--navy);color:#fff;border-bottom-right-radius:5px}
.sc-links{align-self:flex-start;display:flex;flex-wrap:wrap;gap:6px 14px;font-size:.85rem;padding:0 4px}
.sc-links a{color:var(--acc-d);font-weight:600}
.sc-faq{background:var(--bg);padding:0 16px 10px;max-height:34%;overflow-y:auto;border-top:1px solid var(--line)}
.sc-faqt{margin:10px 0 8px;font-size:.82rem;font-weight:700;color:var(--muted)}
.sc-quick{display:flex;flex-wrap:wrap;gap:8px}
.sc-q{border:1.5px solid var(--gold);background:#fff;color:var(--navy);font:700 .86rem var(--font);padding:8px 14px;border-radius:999px;cursor:pointer;text-align:left}
.sc-q:hover{background:var(--acc-l)}
.sc-form{display:flex;align-items:center;gap:8px;padding:10px 12px;border-top:1px solid var(--line);background:#fff}
.sc-inp{flex:1;min-width:0;height:44px;border:1.5px solid var(--line);border-radius:999px;padding:0 16px;font:inherit;font-size:16px;color:var(--ink)}
.sc-inp:focus{outline:none;border-color:var(--navy)}
.sc-send{flex:none;width:44px;height:44px;border-radius:50%;border:0;background:var(--acc);color:#fff;cursor:pointer;display:grid;place-items:center}
.sc-warn{margin:0;padding:0 14px 10px;font-size:.72rem;line-height:1.35;color:var(--muted);background:#fff}
.sc-mail{align-self:stretch;display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px}
.sc-mail input[type=email]{height:44px;border:1.5px solid var(--line);border-radius:10px;padding:0 12px;font:inherit;font-size:16px}
.sc-mail button{height:44px;border:0;border-radius:10px;background:var(--acc);color:#fff;font:700 .95rem var(--font);cursor:pointer}
.sc-mail button:disabled{opacity:.5}
.sc-merr{margin:0;color:var(--bad);font-size:.85rem}
.sc-hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
@media (max-width:600px){
  .sc-fab span{display:none}.sc-fab{padding:15px}
  .sc-panel{right:0;left:0;bottom:0;width:100%;height:min(88dvh,680px);border-radius:20px 20px 0 0}
  html.sc-open .sc-fab{display:none}
}
@media print{.sc-fab,.sc-panel{display:none}}