/* ===================================================================
   123 Rachat de Crédit — "Cabinet de Conseil Financier"
   Palette  : Vert forêt profond × Or chaud × Ivoire
   Typo     : Cormorant Garamond (autorité) × DM Sans (lisibilité)
   =================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,600&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600;9..40,700&display=swap');

/* ─── Variables ─────────────────────────────────────────────────── */
:root {
    --forest:        #0D3B2E;
    --forest-mid:    #16563F;
    --forest-pale:   rgba(13, 59, 46, 0.06);
    --forest-light:  rgba(13, 59, 46, 0.11);
    --gold:          #C2973A;
    --gold-dark:     #9E7A28;
    --gold-pale:     rgba(194, 151, 58, 0.10);
    --gold-border:   rgba(194, 151, 58, 0.30);
    --ivory:         #FAF7F2;
    --ivory-dark:    #F0EBE1;
    --ivory-deeper:  #E4DDD4;
    --charcoal:      #1A1A1A;
    --slate:         #555F6A;
    --stone:         #C5BDB5;
    --stone-light:   #E8E2DA;
    --white:         #FFFFFF;
    --success:       #155C34;
    --success-light: rgba(21, 92, 52, 0.08);
    --red:           #8B2222;

    /* Legacy aliases — les templates PHP n'ont pas besoin de changer */
    --primary:        var(--forest);
    --primary-dark:   var(--forest-mid);
    --primary-light:  var(--forest-pale);
    --secondary:      var(--gold);
    --secondary-dark: var(--gold-dark);
    --accent:         var(--gold);
    --dark:           var(--charcoal);
    --light:          var(--ivory);
    --gray-light:     var(--stone-light);
    --gray:           var(--slate);

    /* Typographie */
    --font:       'DM Sans', system-ui, -apple-system, sans-serif;
    --font-serif: 'Cormorant Garamond', Georgia, 'Times New Roman', serif;

    /* Ombres à teinte verte */
    --shadow-sm:  0 1px 3px rgba(13, 59, 46, 0.07);
    --shadow:     0 4px 14px rgba(13, 59, 46, 0.10), 0 1px 4px rgba(13, 59, 46, 0.05);
    --shadow-lg:  0 12px 30px rgba(13, 59, 46, 0.13), 0 4px 8px rgba(13, 59, 46, 0.06);
    --shadow-xl:  0 24px 50px rgba(13, 59, 46, 0.15), 0 8px 16px rgba(13, 59, 46, 0.08);

    /* Géométrie */
    --radius-sm:  6px;
    --radius:     10px;
    --radius-lg:  16px;

    /* Motion */
    --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ─── Reset ─────────────────────────────────────────────────────── */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

/* ─── Base ──────────────────────────────────────────────────────── */
html { scroll-behavior: smooth; }

body {
    font-family: var(--font);
    background-color: var(--ivory);
    color: var(--charcoal);
    line-height: 1.65;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

/* Scrollbar */
::-webkit-scrollbar { width: 7px; }
::-webkit-scrollbar-track { background: var(--ivory-dark); }
::-webkit-scrollbar-thumb { background: var(--forest-mid); border-radius: 10px; }

/* ─── Typographie ───────────────────────────────────────────────── */
h1, h2, h3, h4 {
    font-family: var(--font-serif);
    color: var(--charcoal);
    line-height: 1.2;
    font-weight: 600;
    letter-spacing: -0.01em;
}

h1 { font-size: 3rem; font-weight: 700; letter-spacing: -0.02em; }
h2 {
    font-size: 2.2rem;
    margin-bottom: 1.5rem;
    position: relative;
    display: inline-block;
}
h2::after {
    content: '';
    display: block;
    width: 44px;
    height: 2px;
    background: linear-gradient(90deg, var(--gold) 0%, transparent 100%);
    margin-top: 0.65rem;
}
h3 { font-size: 1.4rem; font-weight: 600; }

p { color: var(--slate); margin-bottom: 1rem; line-height: 1.7; }

a {
    color: var(--forest);
    text-decoration: none;
    transition: var(--transition);
}
a:hover { color: var(--forest-mid); }

/* ─── Layout ────────────────────────────────────────────────────── */
.container {
    width: 100%;
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* ─── Trust Bar ─────────────────────────────────────────────────── */
.trust-bar {
    background-color: var(--forest);
    color: rgba(250, 247, 242, 0.80);
    font-size: 0.78rem;
    font-weight: 500;
    letter-spacing: 0.01em;
    padding: 0.55rem 0;
    border-bottom: 1px solid rgba(194, 151, 58, 0.20);
}
.trust-bar .container {
    display: flex;
    justify-content: center;
    gap: 2.5rem;
    align-items: center;
    flex-wrap: wrap;
}
.trust-bar-item {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}
.trust-bar-item svg { color: var(--gold); flex-shrink: 0; }

/* ─── Header & Nav ──────────────────────────────────────────────── */
header.site-header {
    background-color: rgba(250, 247, 242, 0.96);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--stone-light);
    position: sticky;
    top: 0;
    z-index: 100;
    padding: 0.9rem 0;
    box-shadow: 0 2px 12px rgba(13, 59, 46, 0.06);
}
.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

/* Logo */
.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
}
.logo-mark {
    width: 40px;
    height: 40px;
    background: var(--forest);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    position: relative;
    overflow: hidden;
}
.logo-mark::after {
    content: '';
    position: absolute;
    bottom: 0;
    right: 0;
    width: 16px;
    height: 16px;
    background: var(--gold);
    border-radius: 8px 0 0 0;
    opacity: 0.7;
}
.logo-mark svg { color: var(--white); position: relative; z-index: 1; }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-name {
    font-family: var(--font-serif);
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--forest);
    letter-spacing: -0.01em;
}
.logo-tagline {
    font-size: 0.65rem;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--gold-dark);
}

nav ul {
    display: flex;
    list-style: none;
    gap: 2rem;
    align-items: center;
}
nav ul li a {
    color: var(--charcoal);
    font-size: 0.9rem;
    font-weight: 500;
    transition: var(--transition);
    padding: 0.2rem 0;
    border-bottom: 1px solid transparent;
}
nav ul li a:hover {
    color: var(--forest);
    border-bottom-color: var(--gold);
}

/* ─── Boutons ───────────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.45rem;
    padding: 0.75rem 1.6rem;
    font-family: var(--font);
    font-size: 0.92rem;
    font-weight: 600;
    letter-spacing: 0.01em;
    border-radius: var(--radius);
    border: none;
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
}
.btn-primary {
    background-color: var(--forest);
    color: var(--white);
    box-shadow: 0 2px 8px rgba(13, 59, 46, 0.25);
}
.btn-primary:hover {
    background-color: var(--forest-mid);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(13, 59, 46, 0.30);
}
.btn-secondary {
    background-color: var(--gold);
    color: var(--white);
    box-shadow: 0 2px 8px rgba(194, 151, 58, 0.25);
}
.btn-secondary:hover {
    background-color: var(--gold-dark);
    color: var(--white);
    transform: translateY(-2px);
}
.btn-outline {
    background-color: transparent;
    border: 1.5px solid var(--forest);
    color: var(--forest);
}
.btn-outline:hover {
    background-color: var(--forest-pale);
    transform: translateY(-2px);
}
.btn-ghost {
    background: transparent;
    color: var(--slate);
    border: 1.5px solid var(--stone-light);
}
.btn-ghost:hover {
    background: var(--ivory-dark);
    color: var(--charcoal);
}

/* ─── City page flow — édito 2 blocs sous la hero visuellement ──── */
/* HTML : hero › édito › obs › score › bdf › …                     */
/* Visuel: hero › calcend › obs › score › édito › bdf › …          */
.city-page-flow { display: flex; flex-direction: column; }
.cs-hero    { order: 1; }
.cs-calcend { order: 2; }
.cs-obs     { order: 3; }
.cs-score   { order: 4; }
.cs-ed      { order: 5; }
.cs-bdf     { order: 6; }
.cs-rates   { order: 7; }
.cs-calc    { order: 8; }
.cs-steps   { order: 9; }
.cs-ptype   { order: 10; }
.cs-profs   { order: 11; }
.cs-revs    { order: 12; }
.cs-faq     { order: 13; }

/* ─── Hero ──────────────────────────────────────────────────────── */
.hero {
    padding: 5rem 0 6.5rem 0;
    background:
        radial-gradient(ellipse 70% 80% at 95% 10%, rgba(194, 151, 58, 0.06) 0%, transparent 60%),
        radial-gradient(ellipse 60% 70% at 5% 90%, rgba(13, 59, 46, 0.04) 0%, transparent 60%),
        var(--ivory);
    border-bottom: 1px solid var(--stone-light);
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 100%;
    background-image:
        repeating-linear-gradient(0deg, transparent, transparent 39px, rgba(13, 59, 46, 0.025) 39px, rgba(13, 59, 46, 0.025) 40px),
        repeating-linear-gradient(90deg, transparent, transparent 39px, rgba(13, 59, 46, 0.025) 39px, rgba(13, 59, 46, 0.025) 40px);
    pointer-events: none;
}
.hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 5rem;
    align-items: center;
    position: relative;
}
.hero-tagline {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold-dark);
    background: var(--gold-pale);
    border: 1px solid var(--gold-border);
    padding: 0.4rem 1rem;
    border-radius: 50px;
    display: inline-block;
    margin-bottom: 1.25rem;
}
.hero h1 {
    font-size: 3.2rem;
    line-height: 1.1;
    letter-spacing: -0.025em;
    color: var(--charcoal);
    margin-bottom: 1.25rem;
}
.hero h1 em {
    font-style: italic;
    color: var(--forest);
}
.hero-text {
    font-size: 1.1rem;
    margin: 0 0 2.5rem 0;
    color: var(--slate);
    line-height: 1.75;
    max-width: 520px;
}

/* Stats inline hero */
.hero-stats {
    display: flex;
    gap: 0;
    margin-top: 2rem;
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    background: var(--white);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}
.hero-stat {
    flex: 1;
    padding: 1rem 1.25rem;
    border-right: 1px solid var(--stone-light);
    text-align: center;
}
.hero-stat:last-child { border-right: none; }
.hero-stat-value {
    font-family: var(--font-serif);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--forest);
    line-height: 1;
    display: block;
    margin-bottom: 0.25rem;
}
.hero-stat-label {
    font-size: 0.75rem;
    font-weight: 500;
    color: var(--slate);
    line-height: 1.3;
    display: block;
}

/* ─── Simulator ─────────────────────────────────────────────────── */
.simulator-card {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 2.25rem;
    border: 1px solid var(--stone-light);
    position: relative;
    overflow: hidden;
}
.simulator-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 3px;
    background: linear-gradient(90deg, var(--gold) 0%, var(--forest) 100%);
}
.sim-step { display: none; }
.sim-step.active {
    display: block;
    animation: fadeIn 0.35s ease-out;
}
.sim-progress {
    height: 4px;
    background-color: var(--ivory-dark);
    border-radius: 2px;
    margin-bottom: 1.75rem;
    position: relative;
}
.sim-progress-bar {
    position: absolute; top: 0; left: 0;
    height: 100%;
    background: linear-gradient(90deg, var(--forest) 0%, var(--gold) 100%);
    border-radius: 2px;
    width: 25%;
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.sim-title {
    font-family: var(--font-serif);
    font-size: 1.25rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    color: var(--charcoal);
}
.form-group { margin-bottom: 1.25rem; }
.form-group label {
    display: block;
    font-weight: 500;
    font-size: 0.875rem;
    color: var(--charcoal);
    margin-bottom: 0.4rem;
}
.form-control {
    width: 100%;
    padding: 0.8rem 1rem;
    border: 1.5px solid var(--stone-light);
    border-radius: var(--radius);
    font-family: var(--font);
    font-size: 0.95rem;
    color: var(--charcoal);
    background: var(--white);
    transition: var(--transition);
}
.form-control:focus {
    outline: none;
    border-color: var(--forest);
    box-shadow: 0 0 0 3px var(--forest-pale);
}
.form-control::placeholder { color: var(--stone); }

/* Checkbox cards */
.checkbox-box {
    border: 1.5px solid var(--stone-light) !important;
    border-radius: var(--radius) !important;
    padding: 0.875rem 1rem !important;
    cursor: pointer;
    display: flex !important;
    align-items: center !important;
    gap: 0.5rem !important;
    font-weight: 500 !important;
    font-size: 0.9rem !important;
    color: var(--charcoal) !important;
    transition: var(--transition);
    background: var(--white);
}
.checkbox-box:has(input:checked) {
    border-color: var(--forest) !important;
    background: var(--forest-pale) !important;
    color: var(--forest) !important;
}
.checkbox-box input { accent-color: var(--forest); }

.sim-buttons {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 1.75rem;
}
.step-dot-container {
    display: flex;
    justify-content: center;
    gap: 0.5rem;
    margin-top: 1.5rem;
}
.step-dot {
    width: 6px; height: 6px;
    background-color: var(--stone-light);
    border-radius: 50%;
    transition: var(--transition);
}
.step-dot.active {
    background-color: var(--forest);
    width: 18px;
    border-radius: 3px;
}

/* Trust line under simulator */
.sim-trust {
    margin-top: 1.25rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--stone-light);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1.5rem;
    flex-wrap: wrap;
}
.sim-trust-item {
    font-size: 0.75rem;
    color: var(--slate);
    display: flex;
    align-items: center;
    gap: 0.3rem;
    font-weight: 500;
}
.sim-trust-item svg { color: var(--success); }

/* Autocomplete */
.search-wrapper { position: relative; }
.autocomplete-suggestions {
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    border: 1.5px solid var(--stone-light);
    border-top: none;
    border-radius: 0 0 var(--radius) var(--radius);
    max-height: 200px;
    overflow-y: auto;
    z-index: 10;
    box-shadow: var(--shadow-lg);
}
.suggestion-item {
    padding: 0.7rem 1rem;
    cursor: pointer;
    font-size: 0.9rem;
    transition: var(--transition);
}
.suggestion-item:hover { background-color: var(--forest-pale); color: var(--forest); }

/* ─── Sections ──────────────────────────────────────────────────── */
.section { padding: 5.5rem 0; }
.section-header {
    text-align: center;
    max-width: 680px;
    margin: 0 auto 4rem auto;
}
.section-header h2::after { margin: 0.65rem auto 0 auto; }

.section-subtitle {
    font-size: 0.72rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold-dark);
    display: block;
    margin-bottom: 0.5rem;
}

/* Divider ornamental */
.ornament {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 0.5rem auto 2rem auto;
    max-width: 200px;
}
.ornament::before,
.ornament::after {
    content: '';
    flex: 1;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold-border), transparent);
}
.ornament-diamond {
    width: 6px; height: 6px;
    background: var(--gold);
    transform: rotate(45deg);
    flex-shrink: 0;
}

/* ─── Cards ─────────────────────────────────────────────────────── */
.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.card {
    background-color: var(--white);
    padding: 2rem;
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--stone-light);
    transition: var(--transition);
    position: relative;
}
.card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 3px; height: 0;
    background: var(--gold);
    border-radius: var(--radius) 0 0 var(--radius);
    transition: height 0.3s ease;
}
.card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--stone);
}
.card:hover::before { height: 100%; }

.card-icon {
    width: 46px; height: 46px;
    background-color: var(--forest-pale);
    color: var(--forest);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.25rem;
    transition: var(--transition);
}
.card:hover .card-icon {
    background-color: var(--forest);
    color: var(--white);
}
.card-title {
    font-family: var(--font-serif);
    font-size: 1.2rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: var(--charcoal);
}

/* ─── Local Calculator ──────────────────────────────────────────── */
.local-calculator {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: 2.5rem;
    margin: 3rem 0;
    border: 1px solid var(--stone-light);
}
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}
.range-group { margin-bottom: 1.5rem; }
.range-group label {
    display: flex;
    justify-content: space-between;
    font-weight: 500;
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
    color: var(--charcoal);
}
.range-group label span {
    color: var(--forest);
    font-family: var(--font-serif);
    font-size: 1.05rem;
    font-weight: 700;
}
.range-slider {
    width: 100%;
    height: 5px;
    background: var(--ivory-dark);
    border-radius: 5px;
    outline: none;
    -webkit-appearance: none;
    cursor: pointer;
}
.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: var(--forest);
    cursor: pointer;
    border: 2px solid var(--white);
    box-shadow: var(--shadow);
}
.range-slider::-moz-range-thumb {
    width: 18px; height: 18px;
    border-radius: 50%;
    background: var(--forest);
    cursor: pointer;
    border: 2px solid var(--white);
}
.calc-result-box {
    background: linear-gradient(145deg, var(--forest) 0%, var(--forest-mid) 100%);
    border-radius: var(--radius);
    padding: 2.5rem;
    text-align: center;
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.calc-result-box::before {
    content: '';
    position: absolute;
    top: -30px; right: -30px;
    width: 100px; height: 100px;
    border-radius: 50%;
    background: rgba(194, 151, 58, 0.15);
}
.result-title { font-weight: 500; color: rgba(255,255,255,0.75); margin-bottom: 0.5rem; font-size: 0.9rem; }
.result-value {
    font-family: var(--font-serif);
    font-size: 2.75rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 0.25rem;
    display: block;
}
.result-old { text-decoration: line-through; color: rgba(255,255,255,0.5); font-size: 0.95rem; }

/* ─── Local Info Split ──────────────────────────────────────────── */
.local-split {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 4rem;
    margin-top: 4rem;
}
.editorial-content h3 {
    font-family: var(--font-serif);
    font-size: 1.4rem;
    margin-top: 2rem;
    margin-bottom: 0.75rem;
}
.editorial-content ul { margin-left: 1.25rem; margin-bottom: 1rem; }
.editorial-content ul li { margin-bottom: 0.4rem; color: var(--slate); font-size: 0.95rem; }

/* Sidebar */
.sidebar-box {
    background-color: var(--white);
    padding: 1.75rem;
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    margin-bottom: 1.5rem;
    border: 1px solid var(--stone-light);
}
.sidebar-title {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 1.1rem;
    padding-bottom: 0.75rem;
    border-bottom: 1px solid var(--stone-light);
    position: relative;
    color: var(--charcoal);
}
.sidebar-title::after {
    content: '';
    position: absolute;
    bottom: -1px; left: 0;
    width: 30px; height: 2px;
    background: var(--gold);
}

/* Link lists */
.link-list {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.5rem;
}
.link-list li a {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    color: var(--slate);
    font-size: 0.875rem;
    font-weight: 500;
    padding: 0.3rem 0;
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}
.link-list li a:hover {
    color: var(--forest);
    border-bottom-color: var(--gold);
    padding-left: 4px;
}

/* ─── Stat Cards ────────────────────────────────────────────────── */
.stat-card {
    background: var(--white);
    padding: 1.5rem;
    border-radius: var(--radius);
    border: 1px solid var(--stone-light);
    box-shadow: var(--shadow-sm);
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    transition: var(--transition);
}
.stat-card:hover { box-shadow: var(--shadow); border-color: var(--stone); }
.stat-icon {
    background: var(--forest-pale);
    color: var(--forest);
    padding: 0.65rem;
    border-radius: var(--radius-sm);
    display: flex;
    flex-shrink: 0;
    transition: var(--transition);
}
.stat-card:hover .stat-icon { background: var(--forest); color: var(--white); }
.stat-label { font-size: 0.875rem; font-weight: 600; color: var(--slate); margin: 0 0 0.2rem 0; }
.stat-value {
    font-family: var(--font-serif);
    font-size: 1.65rem;
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1.1;
    display: block;
    margin-bottom: 0.2rem;
}
.stat-caption { font-size: 0.78rem; color: var(--slate); line-height: 1.4; }
.stat-source { font-size: 0.68rem; color: var(--stone); margin-top: 0.3rem; display: block; }

/* ─── Reviews ───────────────────────────────────────────────────── */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    margin-top: 2rem;
}
.review-card {
    background: var(--white);
    padding: 1.75rem;
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--stone-light);
    transition: var(--transition);
    position: relative;
}
.review-card::before {
    content: '"';
    font-family: var(--font-serif);
    font-size: 4rem;
    color: var(--forest-pale);
    position: absolute;
    top: 0.5rem; right: 1rem;
    line-height: 1;
    color: var(--gold-pale);
    font-size: 5rem;
    color: rgba(194, 151, 58, 0.15);
}
.review-card:hover { box-shadow: var(--shadow); }
.stars { color: var(--gold); margin-bottom: 1rem; display: flex; gap: 0.2rem; font-size: 0.9rem; }
.review-text {
    font-family: var(--font-serif);
    font-style: italic;
    font-size: 1rem;
    line-height: 1.65;
    color: var(--charcoal);
    margin-bottom: 1.5rem;
}
.review-user { display: flex; align-items: center; gap: 0.75rem; }
.user-avatar {
    width: 38px; height: 38px;
    background: var(--forest-pale);
    color: var(--forest);
    font-weight: 700;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    border: 1.5px solid var(--stone-light);
    flex-shrink: 0;
}
.user-info h4 { font-size: 0.875rem; font-weight: 600; font-family: var(--font); }
.user-info span { font-size: 0.78rem; color: var(--slate); }

/* ─── FAQ ───────────────────────────────────────────────────────── */
.faq-accordion { max-width: 760px; margin: 0 auto; }
.faq-item {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    margin-bottom: 0.75rem;
    overflow: hidden;
    transition: var(--transition);
}
.faq-question {
    padding: 1.1rem 1.5rem;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: var(--charcoal);
}
.faq-answer {
    padding: 0 1.5rem;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0, 1, 0, 1), padding 0.3s ease;
    color: var(--slate);
    font-size: 0.92rem;
    line-height: 1.7;
}
.faq-item.active { border-color: var(--forest); }
.faq-item.active .faq-question {
    background: var(--forest-pale);
    color: var(--forest);
}
.faq-item.active .faq-answer {
    padding: 1.1rem 1.5rem 1.25rem;
    max-height: 800px;
    transition: max-height 0.5s ease-in-out, padding 0.3s ease;
}
.faq-icon { transition: transform 0.3s ease; color: var(--forest); }
.faq-item.active .faq-icon { transform: rotate(180deg); }

/* ─── CTA Banner ────────────────────────────────────────────────── */
.cta-banner {
    background: linear-gradient(135deg, var(--forest) 0%, #081f18 100%);
    color: var(--white);
    border-radius: var(--radius-lg);
    padding: 4rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-banner::before {
    content: '';
    position: absolute;
    top: -60px; right: -60px;
    width: 220px; height: 220px;
    border-radius: 50%;
    background: rgba(194, 151, 58, 0.10);
}
.cta-banner::after {
    content: '';
    position: absolute;
    bottom: -40px; left: -40px;
    width: 160px; height: 160px;
    border-radius: 50%;
    background: rgba(194, 151, 58, 0.07);
}
.cta-banner h2 {
    color: var(--white);
    position: relative;
    z-index: 1;
}
.cta-banner h2::after { background: var(--gold); margin: 0.65rem auto 0 auto; }
.cta-banner p {
    color: rgba(255, 255, 255, 0.78);
    max-width: 560px;
    margin: 1.25rem auto 2.25rem auto;
    font-size: 1.05rem;
    position: relative; z-index: 1;
}

/* ─── Taux Cards ────────────────────────────────────────────────── */
.rate-card {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
    position: relative;
    overflow: hidden;
    transition: var(--transition);
}
.rate-card:hover { box-shadow: var(--shadow); }
.rate-label {
    font-size: 0.72rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--gold-dark);
    margin-bottom: 0.5rem;
}
.rate-value {
    font-family: var(--font-serif);
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--forest);
    line-height: 1;
    margin-bottom: 0.25rem;
}
.rate-caption { font-size: 0.8rem; color: var(--slate); }
.rate-bg-icon {
    position: absolute;
    right: -8px; bottom: -8px;
    opacity: 0.04;
    color: var(--forest);
}

/* ─── Footer ────────────────────────────────────────────────────── */
footer.site-footer {
    background-color: #0A1F16;
    color: rgba(250, 247, 242, 0.60);
    padding: 5rem 0 2rem 0;
    border-top: 3px solid var(--forest);
    position: relative;
    overflow: hidden;
}
footer.site-footer::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(194, 151, 58, 0.4), transparent);
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 4rem;
}
.footer-logo {
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.25rem;
}
.footer-logo-mark {
    width: 36px; height: 36px;
    background: var(--forest-mid);
    border-radius: 7px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(194, 151, 58, 0.30);
}
.footer-logo span { color: var(--gold); }
.footer-desc { font-size: 0.88rem; line-height: 1.65; color: rgba(250, 247, 242, 0.55); }

.footer-title {
    font-family: var(--font-serif);
    color: var(--white);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 1.25rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid rgba(194, 151, 58, 0.15);
    letter-spacing: 0.01em;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 0.6rem; }
.footer-links li a {
    color: rgba(250, 247, 242, 0.55);
    font-size: 0.875rem;
    transition: var(--transition);
}
.footer-links li a:hover { color: var(--gold); padding-left: 4px; }

.footer-legal {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(194, 151, 58, 0.15);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    margin-bottom: 2.5rem;
    font-size: 0.77rem;
    line-height: 1.65;
    color: rgba(250, 247, 242, 0.40);
}
.footer-legal strong { color: rgba(250, 247, 242, 0.60); }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.07);
    padding-top: 1.75rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.82rem;
}
.footer-bottom a { color: rgba(250, 247, 242, 0.45); }
.footer-bottom a:hover { color: var(--gold); }

/* ─── Trust Badges ──────────────────────────────────────────────── */
.trust-badges {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    flex-wrap: wrap;
}
.trust-badge {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    background: var(--forest-pale);
    border: 1px solid var(--stone-light);
    border-radius: 50px;
    padding: 0.3rem 0.75rem;
    font-size: 0.72rem;
    font-weight: 600;
    color: var(--forest);
}
.trust-badge svg { color: var(--success); }

/* ─── Animations ────────────────────────────────────────────────── */
.reveal-on-scroll {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.7s ease-out, transform 0.7s ease-out;
}
.reveal-on-scroll.revealed { opacity: 1; transform: translateY(0); }

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(8px); }
    to   { opacity: 1; transform: translateY(0); }
}

/* ─── Source badge ──────────────────────────────────────────────── */
.source-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.25rem;
    font-size: 0.68rem;
    color: var(--stone);
    font-weight: 500;
    margin-top: 0.35rem;
}

/* ─── Steps Grid (Comment ça marche) ───────────────────────────── */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    counter-reset: steps;
}
.step-card {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    padding: 1.75rem 1.5rem;
    position: relative;
    transition: var(--transition);
}
.step-card:hover { box-shadow: var(--shadow); border-color: var(--gold-border); }
.step-num {
    width: 38px; height: 38px;
    background: var(--forest);
    color: var(--gold);
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 700;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    flex-shrink: 0;
}
.step-card h3 {
    font-size: 1rem;
    font-family: var(--font);
    font-weight: 700;
    margin-bottom: 0.6rem;
    color: var(--charcoal);
}
.step-card p { font-size: 0.875rem; color: var(--slate); line-height: 1.6; }

/* ─── Partner Grid ──────────────────────────────────────────────── */
.partner-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
    margin-top: 1.5rem;
}
.partner-item {
    background: var(--ivory-dark);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius-sm);
    padding: 0.85rem 1rem;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--charcoal);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}
.partner-item svg { color: var(--success); flex-shrink: 0; }

/* ─── Breadcrumb ────────────────────────────────────────────────── */
nav.breadcrumb {
    background: var(--ivory-dark);
    border-bottom: 1px solid var(--stone-light);
    padding: 0.6rem 0;
}
nav.breadcrumb .container {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.82rem;
    flex-wrap: wrap;
}
nav.breadcrumb a { color: var(--slate); transition: var(--transition); }
nav.breadcrumb a:hover { color: var(--forest); }
.breadcrumb-sep { color: var(--stone); }
.breadcrumb-current { color: var(--forest); font-weight: 600; }

/* ─── Section Variants ──────────────────────────────────────────── */
.section-alt { background: var(--ivory-dark); border-top: 1px solid var(--stone-light); border-bottom: 1px solid var(--stone-light); }
.section-bdf {
    background: linear-gradient(135deg, var(--ivory) 0%, var(--ivory-dark) 100%);
    border-top: 1px solid var(--gold-border);
    border-bottom: 1px solid var(--gold-border);
}

/* ─── Stats Grid ────────────────────────────────────────────────── */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 1.25rem;
}

/* Stat card state modifiers */
.stat-card--alert { border-color: rgba(139, 34, 34, 0.25); }
.stat-card--positive { border-color: rgba(21, 92, 52, 0.25); }
.stat-icon--alert { background: rgba(139, 34, 34, 0.07); color: var(--red); }
.stat-card--alert:hover .stat-icon--alert { background: var(--red); color: var(--white); }
.stat-value--alert { color: var(--red) !important; }
.stat-value--positive { color: var(--success) !important; }

/* ─── Rates Grid ────────────────────────────────────────────────── */
.rates-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1.25rem;
    margin-bottom: 2rem;
}
.rate-card--primary {
    border-color: var(--gold-border);
    background: linear-gradient(135deg, var(--white), rgba(13, 59, 46, 0.03));
}
.rate-card--gold {
    border-color: var(--gold-border);
    background: linear-gradient(135deg, var(--white), rgba(194, 151, 58, 0.05));
}
.rate-card--gold .rate-label { color: var(--gold-dark); }
.rate-card--gold .rate-value { color: var(--gold-dark); }
.rate-value span { font-size: 1.4rem; font-weight: 500; color: var(--slate); }
.rates-note {
    background: var(--ivory-dark);
    border-left: 3px solid var(--gold);
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    padding: 1.1rem 1.4rem;
    font-size: 0.9rem;
    color: var(--slate);
}
.rates-note strong { color: var(--charcoal); }

/* ─── BdF Editorial Box ─────────────────────────────────────────── */
.bdf-editorial {
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--stone-light);
    border-left: 3px solid var(--gold);
    padding: 1.75rem 2rem;
    display: flex;
    gap: 2rem;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
}
.bdf-editorial h3 {
    font-size: 1.05rem;
    font-family: var(--font);
    font-weight: 700;
    margin-bottom: 0.5rem;
}
.bdf-editorial p { color: var(--slate); font-size: 0.9rem; line-height: 1.65; margin: 0; max-width: 600px; }

/* ─── Responsive ────────────────────────────────────────────────── */
@media (max-width: 992px) {
    h1 { font-size: 2.4rem; }
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
        text-align: center;
    }
    .hero-tagline { margin: 0 auto 1.25rem; }
    .hero-text { max-width: 100%; }
    .hero-stats { max-width: 480px; margin: 2rem auto 0; }
    .calc-grid { grid-template-columns: 1fr; gap: 2rem; }
    .local-split { grid-template-columns: 1fr; gap: 2.5rem; }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .trust-bar .container { gap: 1.5rem; }
}

@media (max-width: 768px) {
    h1 { font-size: 2rem; }
    h2 { font-size: 1.7rem; }
    .hero { padding: 3.5rem 0 4.5rem; }
    .section { padding: 4rem 0; }
    .grid-3 { grid-template-columns: 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .link-list { grid-template-columns: 1fr; }
    .cta-banner { padding: 2.5rem 1.5rem; }
    .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
    .footer-bottom { flex-direction: column; gap: 1rem; text-align: center; }
    nav ul { display: none; }
    .trust-bar .container { gap: 1rem; font-size: 0.72rem; }
    .stats-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .rates-grid { grid-template-columns: 1fr 1fr; }
    .bdf-editorial { flex-direction: column; gap: 1.25rem; }
    .partner-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .rates-grid { grid-template-columns: 1fr; }
    .trust-badges { gap: 0.5rem; }
}

/* ─── Profils Emprunteurs (#4) ──────────────────────────────────── */
.profils-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.profil-card {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius-lg);
    padding: 1.75rem 1.5rem;
    box-shadow: var(--shadow-sm);
    transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.profil-card:hover {
    box-shadow: var(--shadow);
    transform: translateY(-3px);
}
.profil-head {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.25rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--stone-light);
}
.profil-num {
    width: 2.25rem;
    height: 2.25rem;
    min-width: 2.25rem;
    background: var(--forest);
    color: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-serif);
    font-size: 1rem;
    font-weight: 700;
}
.profil-label {
    font-size: 1rem;
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1.2;
    font-family: var(--font-serif);
}
.profil-sub {
    font-size: 0.8rem;
    color: var(--slate);
    margin-top: 0.2rem;
}
.profil-rev {
    font-size: 0.8rem;
    color: var(--forest);
    font-weight: 600;
    margin-top: 0.35rem;
}
.profil-dette {
    font-size: 0.8rem;
    color: var(--slate);
    margin-bottom: 1.25rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--stone-light);
}
.profil-dette strong { color: var(--charcoal); }
.profil-compare {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 0.5rem;
    align-items: center;
    margin-bottom: 1rem;
}
.profil-col {
    text-align: center;
    padding: 0.75rem 0.5rem;
    border-radius: var(--radius-sm);
}
.profil-col--before {
    background: rgba(139, 34, 34, 0.05);
    border: 1px solid rgba(139, 34, 34, 0.15);
}
.profil-col--after {
    background: rgba(13, 59, 46, 0.05);
    border: 1px solid rgba(13, 59, 46, 0.15);
}
.profil-col-label {
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--slate);
    font-weight: 600;
    margin-bottom: 0.25rem;
}
.profil-big {
    font-size: 1.3rem;
    font-weight: 800;
    color: #8B2222;
    line-height: 1;
}
.profil-big--after { color: var(--forest); }
.profil-pct {
    font-size: 0.72rem;
    color: var(--slate);
    margin-top: 0.2rem;
}
.profil-pct--alert { color: #8B2222; font-weight: 700; }
.profil-arrow {
    font-size: 1.25rem;
    color: var(--gold);
    text-align: center;
}
.profil-gain {
    background: linear-gradient(135deg, rgba(13, 59, 46, 0.06), rgba(194, 151, 58, 0.08));
    border: 1px solid var(--gold-border);
    border-radius: var(--radius-sm);
    padding: 0.7rem 0.75rem;
    text-align: center;
}
.profil-gain strong {
    display: block;
    font-size: 1.05rem;
    color: var(--forest);
    font-family: var(--font-serif);
}
.profil-gain span { font-size: 0.75rem; color: var(--slate); }

/* ─── Score de faisabilité ──────────────────────────────────────── */
.feasibility-widget {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius-lg);
    padding: 2rem 2.25rem;
    box-shadow: var(--shadow-sm);
}
.feasibility-top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 1.5rem;
    margin-bottom: 1.25rem;
}
@media (max-width: 600px) { .feasibility-top { flex-direction: column; } }
.feasibility-title { font-size: 1.2rem; margin: 0.2rem 0 0.4rem; font-family: var(--font-serif); }
.feasibility-desc  { font-size: 0.88rem; color: var(--slate); margin: 0; line-height: 1.6; max-width: 520px; }
.feasibility-badge {
    display: flex; flex-direction: column; align-items: center;
    min-width: 90px; padding: 0.9rem 1.1rem;
    border-radius: var(--radius); border: 2px solid var(--stone-light);
    text-align: center; flex-shrink: 0;
}
.feasibility-num  { font-size: 2rem; font-weight: 700; line-height: 1; font-family: var(--font-serif); }
.feasibility-over { font-size: 0.75rem; color: var(--slate); }
.feasibility-label{ font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; margin-top: 0.3rem; }
.feasibility--green  .feasibility-num, .feasibility--green  .feasibility-label { color: var(--success, #16a34a); }
.feasibility--green  { border-color: rgba(22,163,74,0.3); }
.feasibility--orange .feasibility-num, .feasibility--orange .feasibility-label { color: #d97706; }
.feasibility--orange { border-color: rgba(217,119,6,0.3); }
.feasibility--red    .feasibility-num, .feasibility--red    .feasibility-label { color: var(--red, #dc2626); }
.feasibility--red    { border-color: rgba(220,38,38,0.3); }
.feasibility-bar-track {
    background: var(--stone-light); border-radius: 99px;
    height: 9px; overflow: hidden; margin-bottom: 1.25rem;
}
.feasibility-bar {
    height: 100%; border-radius: 99px;
    background: var(--primary);
    transition: width 0.8s ease;
}
.feasibility--green  .feasibility-bar { background: var(--success, #16a34a); }
.feasibility--orange .feasibility-bar { background: #d97706; }
.feasibility--red    .feasibility-bar { background: var(--red, #dc2626); }
.feasibility-factors { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 0.75rem; }
.factor-pill {
    font-size: 0.78rem; font-weight: 500;
    padding: 0.3rem 0.7rem; border-radius: 99px;
    border: 1px solid var(--stone-light);
}
.factor-pill--ok    { background: rgba(22,163,74,0.07);  border-color: rgba(22,163,74,0.25);  color: #15803d; }
.factor-pill--mid   { background: rgba(217,119,6,0.07);  border-color: rgba(217,119,6,0.25);  color: #b45309; }
.factor-pill--alert { background: rgba(220,38,38,0.07);  border-color: rgba(220,38,38,0.25);  color: #b91c1c; }
.feasibility-source { font-size: 0.72rem; color: var(--gray); font-style: italic; margin: 0; }

/* ─── Profil type du demandeur (niveau 3) ──────────────────────── */
.profil-type-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
    align-items: start;
}
@media (max-width: 768px) {
    .profil-type-grid { grid-template-columns: 1fr; }
}
.profil-type-portrait p {
    font-size: 0.975rem;
    line-height: 1.75;
    color: var(--ink);
    margin-bottom: 1rem;
}
.profil-type-signals {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    padding: 1.75rem;
    box-shadow: var(--shadow-sm);
}
.profil-type-signals h3 {
    font-size: 1rem;
    font-family: var(--font-serif);
    color: var(--forest);
    margin-bottom: 1.25rem;
}
.signal-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.9rem;
    margin-bottom: 1rem;
}
.signal-item {
    display: grid;
    grid-template-columns: 140px 1fr 80px;
    align-items: center;
    gap: 0.6rem;
    font-size: 0.83rem;
}
.signal-label { color: var(--slate); font-weight: 500; }
.signal-bar-wrap {
    background: var(--stone-light);
    border-radius: 99px;
    height: 7px;
    overflow: hidden;
}
.signal-bar {
    display: block;
    height: 100%;
    border-radius: 99px;
    background: var(--primary);
    transition: width 0.6s ease;
}
.signal-bar--green  { background: var(--success, #16a34a); }
.signal-bar--blue   { background: #3b82f6; }
.signal-bar--orange { background: #f59e0b; }
.signal-bar--red    { background: var(--red, #dc2626); }
.signal-val { color: var(--ink); font-weight: 600; text-align: right; }
.signal-source { font-size: 0.75rem; color: var(--gray); font-style: italic; margin-top: 0.5rem; }

/* ─── Historique Taux Chart (#5) ────────────────────────────────── */
.chart-block {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-sm);
    margin-top: 2rem;
}
.chart-block-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1rem;
    margin-bottom: 1.5rem;
}
.chart-block-title {
    font-family: var(--font-serif);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--charcoal);
    margin: 0 0 0.25rem;
}
.chart-block-sub {
    font-size: 0.82rem;
    color: var(--slate);
    margin: 0;
}
.chart-legend {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap;
    align-items: center;
}
.chart-legend-item {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.78rem;
    color: var(--slate);
    font-weight: 600;
}
.chart-legend-item::before {
    content: '';
    display: inline-block;
    width: 24px;
    height: 3px;
    border-radius: 2px;
}
.chart-legend-item--bce::before { background: #0D3B2E; }
.chart-legend-item--oat::before { background: #C2973A; }
.chart-legend-item--conso::before { background: #8B2222; }
.chart-canvas-wrap { position: relative; height: 260px; }
.chart-note {
    font-size: 0.78rem;
    color: var(--slate);
    margin-top: 1rem;
    margin-bottom: 0;
    padding-top: 1rem;
    border-top: 1px solid var(--stone-light);
    font-style: italic;
}

/* ─── Calculateur Taux d'Endettement (#8) ───────────────────────── */
.debt-calc-wrap {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}
.debt-calc-inputs { display: flex; flex-direction: column; gap: 2rem; }
.debt-input-group { display: flex; flex-direction: column; gap: 0.6rem; }
.debt-input-group label {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--charcoal);
}
.debt-input-row {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}
.debt-input-row input[type="range"] {
    flex: 1;
    -webkit-appearance: none;
    appearance: none;
    height: 5px;
    border-radius: 3px;
    background: linear-gradient(to right, var(--forest) 0%, var(--forest) 50%, var(--stone-light) 50%);
    outline: none;
    cursor: pointer;
}
.debt-input-row input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--forest);
    cursor: pointer;
    border: 2px solid var(--white);
    box-shadow: 0 1px 4px rgba(0,0,0,0.2);
}
.debt-input-display {
    min-width: 72px;
    text-align: right;
    font-size: 1rem;
    font-weight: 800;
    color: var(--forest);
    font-family: var(--font-serif);
}
.debt-gauge-wrap { display: flex; flex-direction: column; align-items: center; gap: 1rem; }
.debt-gauge-svg { width: 100%; max-width: 240px; }
.debt-gauge-legend {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap;
    justify-content: center;
}
.legend-dot {
    display: flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.75rem;
    color: var(--slate);
}
.legend-dot::before {
    content: '';
    display: inline-block;
    width: 10px;
    height: 10px;
    border-radius: 50%;
}
.legend-dot--green::before { background: #1a7a4a; }
.legend-dot--orange::before { background: #d97706; }
.legend-dot--red::before { background: #8B2222; }
.debt-result-text {
    font-size: 0.9rem;
    color: var(--slate);
    text-align: center;
    max-width: 320px;
    line-height: 1.6;
    min-height: 2.5rem;
}
.debt-result-text strong { color: var(--charcoal); }

/* ─── Calculateur : éléments additionnels ───────────────────────── */
.dc-label-hint {
    float: right;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--forest);
    font-family: var(--font-serif);
}
.dc-result-card {
    background: var(--white);
    border: 1px solid var(--stone-light);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    transition: border-color 0.3s ease;
}
.dc-result-row {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 0.75rem;
    align-items: center;
    margin-bottom: 0.75rem;
}
.dc-result-col { text-align: center; padding: 0.6rem 0.5rem; border-radius: var(--radius-sm); }
.dc-result-col--before { background: rgba(139,34,34,0.05); border: 1px solid rgba(139,34,34,0.15); }
.dc-result-col--after  { background: rgba(13,59,46,0.05);  border: 1px solid rgba(13,59,46,0.15); }
.dc-result-label { display: block; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--slate); font-weight: 600; margin-bottom: 0.2rem; }
.dc-result-val { display: block; font-size: 1.2rem; font-weight: 800; color: #8B2222; font-family: var(--font-serif); }
.dc-result-val--after { color: var(--forest); }
.dc-result-arrow { font-size: 1.3rem; color: var(--gold); text-align: center; font-weight: 700; }
.dc-result-gain { text-align: center; padding-top: 0.6rem; border-top: 1px solid var(--stone-light); }
.dc-result-gain span { display: block; }
.dc-result-gain span:last-child { font-size: 0.75rem; color: var(--slate); margin-top: 0.1rem; }
.dc-gauge-container { position: relative; text-align: center; }
.dc-gauge-verdict { margin-top: -0.5rem; text-align: center; }
.dc-verdict-badge {
    display: inline-block;
    padding: 0.3rem 1rem;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--white);
    background: var(--slate);
    transition: background 0.3s ease;
}
.legend-dot {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.75rem;
    color: var(--slate);
}
.dc-seuil-box {
    background: rgba(13,59,46,0.05);
    border: 1px solid rgba(13,59,46,0.12);
    border-radius: var(--radius-sm);
    padding: 0.75rem 1rem;
    text-align: center;
    font-size: 0.8rem;
    color: var(--slate);
    margin-top: 1rem;
}
.dc-seuil-box strong { display: block; color: var(--forest); font-family: var(--font-serif); margin-bottom: 0.2rem; }
.dc-cta { width: 100%; text-align: center; transition: background 0.3s ease; }
.dc-disclaimer { font-size: 0.72rem; color: var(--slate); text-align: center; margin-top: 0.75rem; margin-bottom: 0; font-style: italic; }

/* ─── Formulaire local city ─────────────────────────────────────── */
.city-form-section {
    background: var(--forest);
    padding: 5rem 0;
}
.city-form-wrap {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}
.city-form-pitch { padding-top: 1rem; }
.city-form-benefits {
    list-style: none;
    padding: 0;
    margin: 0 0 2rem;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}
.city-form-benefits li {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    color: rgba(250,247,242,0.85);
    font-size: 0.95rem;
}
.city-form-benefits li svg { color: var(--gold); flex-shrink: 0; }
.city-form-stat-row {
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(250,247,242,0.15);
}
.city-form-stat strong {
    display: block;
    font-family: var(--font-serif);
    font-size: 1.6rem;
    color: var(--gold);
    line-height: 1;
}
.city-form-stat span {
    font-size: 0.78rem;
    color: rgba(250,247,242,0.6);
    margin-top: 0.2rem;
    display: block;
}

/* Card formulaire */
.city-form-card {
    background: var(--ivory);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.city-form-card form { padding: 2rem; }

/* Progress bar */
.clf-progress {
    height: 4px;
    background: rgba(13,59,46,0.12);
}
.clf-progress-bar {
    height: 100%;
    background: var(--forest);
    transition: width 0.4s cubic-bezier(.4,0,.2,1);
}

/* Étapes */
.clf-step { display: none; }
.clf-step--active { display: block; }
.clf-header { margin-bottom: 1.5rem; }
.clf-step-pill {
    display: inline-block;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--forest);
    background: rgba(13,59,46,0.08);
    padding: 0.25rem 0.65rem;
    border-radius: 50px;
    margin-bottom: 0.6rem;
}
.clf-title {
    font-family: var(--font-serif);
    font-size: 1.25rem;
    color: var(--charcoal);
    margin: 0 0 0.25rem;
}
.clf-subtitle { font-size: 0.85rem; color: var(--slate); margin: 0; }
.clf-back-btn {
    display: flex;
    align-items: center;
    gap: 0.3rem;
    font-size: 0.8rem;
    color: var(--slate);
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    margin-bottom: 0.75rem;
}
.clf-back-btn:hover { color: var(--forest); }

/* Champs */
.clf-field { margin-bottom: 1.25rem; }
.clf-label {
    display: block;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--charcoal);
    margin-bottom: 0.5rem;
}
.clf-input {
    width: 100%;
    padding: 0.7rem 0.9rem;
    border: 1px solid var(--stone-light);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    color: var(--charcoal);
    background: var(--white);
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    box-sizing: border-box;
}
.clf-input:focus {
    outline: none;
    border-color: var(--forest);
    box-shadow: 0 0 0 3px rgba(13,59,46,0.1);
}
.clf-field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }

/* Montant range */
.clf-amount-display {
    font-family: var(--font-serif);
    font-size: 2rem;
    font-weight: 700;
    color: var(--forest);
    text-align: center;
    margin-bottom: 0.6rem;
}
.clf-range {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}
.clf-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--forest);
    cursor: pointer;
    border: 3px solid var(--ivory);
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.clf-range-bounds {
    display: flex;
    justify-content: space-between;
    font-size: 0.72rem;
    color: var(--slate);
    margin-top: 0.4rem;
}

/* Checkboxes */
.clf-checkgrid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.5rem;
}
.clf-check {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.6rem 0.75rem;
    border: 1.5px solid var(--stone-light);
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--charcoal);
    transition: border-color 0.15s, background 0.15s;
    user-select: none;
}
.clf-check input { accent-color: var(--forest); }
.clf-check--active {
    border-color: var(--forest);
    background: rgba(13,59,46,0.06);
    color: var(--forest);
}

/* Radios */
.clf-radiorow { display: flex; gap: 0.5rem; flex-wrap: wrap; }
.clf-radio {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.5rem 0.75rem;
    border: 1.5px solid var(--stone-light);
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--charcoal);
    transition: border-color 0.15s, background 0.15s;
    user-select: none;
}
.clf-radio input { accent-color: var(--forest); }
.clf-radio--active {
    border-color: var(--forest);
    background: rgba(13,59,46,0.06);
    color: var(--forest);
}

/* RGPD */
.clf-rgpd {
    display: flex;
    gap: 0.6rem;
    align-items: flex-start;
    cursor: pointer;
    font-size: 0.78rem;
    color: var(--slate);
    line-height: 1.5;
}
.clf-rgpd input { margin-top: 3px; flex-shrink: 0; accent-color: var(--forest); }

/* Boutons */
.clf-next-btn, .clf-submit-btn {
    width: 100%;
    justify-content: center;
    display: flex;
    align-items: center;
    margin-top: 0.25rem;
    padding: 0.85rem 1.5rem;
    font-size: 1rem;
}

/* Erreur */
.clf-error {
    background: rgba(139,34,34,0.07);
    border: 1px solid rgba(139,34,34,0.25);
    color: #8B2222;
    padding: 0.65rem 0.9rem;
    border-radius: var(--radius-sm);
    font-size: 0.82rem;
    margin-bottom: 0.75rem;
}
.clf-legal {
    font-size: 0.72rem;
    color: var(--slate);
    text-align: center;
    margin: 0.6rem 0 0;
}

/* ─── Fil d'Ariane ──────────────────────────────────────────────── */
.breadcrumb-nav {
    background: var(--ivory-dark);
    border-bottom: 1px solid var(--stone-light);
    padding: 0.6rem 0;
}
.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    list-style: none;
    gap: 0;
    font-size: 0.82rem;
    color: var(--slate);
}
.breadcrumb li { display: flex; align-items: center; }
.breadcrumb li + li::before {
    content: '›';
    margin: 0 0.5rem;
    color: var(--stone);
}
.breadcrumb a { color: var(--forest-mid); text-decoration: none; font-weight: 500; }
.breadcrumb a:hover { color: var(--forest); text-decoration: underline; }
.breadcrumb [aria-current="page"] { color: var(--slate); font-weight: 600; }

/* ─── Stat badges (hero) ─────────────────────────────────────────── */
.stat-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.8rem;
    font-weight: 600;
    padding: 0.4rem 0.85rem;
    border-radius: 50px;
}
.stat-badge--primary {
    background: var(--forest-pale);
    color: var(--forest);
    border: 1px solid var(--forest-light);
}
.stat-badge--blue {
    background: rgba(0, 90, 160, 0.07);
    color: #005AA0;
    border: 1px solid rgba(0, 90, 160, 0.18);
}
.stat-badge--green {
    background: var(--success-light);
    color: var(--success);
    border: 1px solid rgba(21, 92, 52, 0.2);
}
.stat-badge--warning {
    background: rgba(180, 100, 0, 0.07);
    color: #8B5000;
    border: 1px solid rgba(180, 100, 0, 0.2);
}

/* ─── KPI Cards (pages département) ─────────────────────────────── */
.kpi-card {
    background: var(--white);
    padding: 1.5rem 1.25rem;
    border-radius: var(--radius-lg);
    border: 1px solid var(--stone-light);
    box-shadow: var(--shadow-sm);
    text-align: center;
    transition: var(--transition);
}
.kpi-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.kpi-card--accent { border-color: var(--gold-border); background: var(--gold-pale); }
.kpi-label { font-size: 0.82rem; color: var(--slate); margin-bottom: 0.4rem; font-weight: 500; }
.kpi-value { font-size: 1.65rem; font-weight: 800; color: var(--charcoal); line-height: 1.1; }
.kpi-value--accent { color: var(--gold-dark); }
.kpi-sub { font-size: 0.75rem; color: var(--stone); margin-top: 0.2rem; }

/* ─── Annuaire A–Z ───────────────────────────────────────────────── */
.az-section { background: var(--ivory-dark); border-top: 1px solid var(--stone-light); }

.az-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem;
    margin-bottom: 2.5rem;
    padding: 1rem 1.25rem;
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--stone-light);
}
.az-nav-letter {
    width: 2rem;
    height: 2rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--forest);
    border-radius: var(--radius-sm);
    text-decoration: none;
    transition: var(--transition);
}
.az-nav-letter:hover {
    background: var(--forest);
    color: var(--white);
}

.az-directory {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 1.5rem 2rem;
    align-items: start;
}
.az-group { }
.az-group-letter {
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--forest);
    border-bottom: 2px solid var(--gold-border);
    padding-bottom: 0.3rem;
    margin-bottom: 0.75rem;
    scroll-margin-top: 80px;
}
.az-group-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.2rem;
}
.az-group-list a {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding: 0.3rem 0.4rem;
    border-radius: var(--radius-sm);
    color: var(--charcoal);
    text-decoration: none;
    font-size: 0.875rem;
    transition: var(--transition);
}
.az-group-list a:hover {
    background: var(--forest-pale);
    color: var(--forest);
    padding-left: 0.7rem;
}
.az-zip {
    font-size: 0.75rem;
    color: var(--stone);
    font-weight: 400;
    margin-left: 0.5rem;
    flex-shrink: 0;
}

/* ─── Responsive — new components ──────────────────────────────── */
@media (max-width: 992px) {
    .profils-grid { grid-template-columns: 1fr 1fr; }
    .debt-calc-wrap { grid-template-columns: 1fr; gap: 2rem; }
    .debt-gauge-wrap { flex-direction: row; justify-content: center; flex-wrap: wrap; }
    .city-form-wrap { grid-template-columns: 1fr; gap: 2.5rem; }
    .city-form-pitch { order: 2; }
    .city-form-card { order: 1; }
    .az-directory { grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 1.25rem 1.5rem; }
}
@media (max-width: 768px) {
    .profils-grid { grid-template-columns: 1fr; }
    .chart-block { padding: 1.25rem; }
    .chart-canvas-wrap { height: 200px; }
    .chart-legend { gap: 0.75rem; }
    .chart-block-header { flex-direction: column; }
    .clf-field-row { grid-template-columns: 1fr; }
    .clf-checkgrid { grid-template-columns: 1fr 1fr; }
    .az-directory { grid-template-columns: 1fr 1fr; }
    .az-nav { gap: 0.25rem; padding: 0.75rem 1rem; }
    .az-nav-letter { width: 1.75rem; height: 1.75rem; font-size: 0.78rem; }
}
@media (max-width: 480px) {
    .debt-calc-wrap { gap: 1.5rem; }
    .profil-compare { gap: 0.25rem; }
    .profil-big { font-size: 1.1rem; }
    .clf-radiorow { gap: 0.4rem; }
    .city-form-stat-row { gap: 1rem; }
    .az-directory { grid-template-columns: 1fr; }
    .stat-badge { font-size: 0.75rem; padding: 0.35rem 0.7rem; }
}