*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#0B1F3A;--navy-mid:#162D50;--navy-light:#1E3E6F;
  --gold:#C49A3C;--gold-light:#E8C47A;
  --cream:#F8F4ED;--cream-dark:#EDE6D6;--white:#fff;
  --text-dark:#0B1F3A;--text-mid:#4A5568;--text-light:#8A96A8;
  --r:4px;--rl:12px;
  --shadow:0 4px 32px rgba(11,31,58,.10);
  --shadow-lg:0 8px 48px rgba(11,31,58,.18);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text-dark);line-height:1.6;overflow-x:hidden}

/* ── NAV ── */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(11,31,58,.97);backdrop-filter:blur(12px);border-bottom:1px solid rgba(196,154,60,.2);padding:0 5%;height:72px;display:flex;align-items:center;justify-content:space-between}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-icon{width:38px;height:38px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:8px;display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond',serif;font-size:20px;font-weight:600;color:var(--navy)}
.logo-text{font-family:'Cormorant Garamond',serif;font-size:22px;font-weight:600;color:#fff;letter-spacing:.02em}
.logo-text span{color:var(--gold-light)}
.nav-links{display:flex;list-style:none;gap:24px;align-items:center}
.nav-links a{text-decoration:none;color:rgba(255,255,255,.75);font-size:13px;font-weight:400;letter-spacing:.05em;text-transform:uppercase;transition:color .2s}
.nav-links a:hover,.nav-links a.active{color:var(--gold-light)}
.nav-cta{border:1px solid var(--gold)!important;padding:8px 18px;border-radius:var(--r);transition:all .2s!important}
.nav-cta:hover{background:var(--gold)!important;color:var(--navy)!important}
.nav-parr{color:var(--gold-light)!important}

/* ── BUTTONS ── */
.btn-gold{background:var(--gold);color:var(--navy);border:none;padding:14px 28px;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;border-radius:var(--r);cursor:pointer;text-decoration:none;display:inline-block;transition:all .25s}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 8px 24px rgba(196,154,60,.3)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.3);padding:14px 28px;font-family:'DM Sans',sans-serif;font-size:14px;letter-spacing:.06em;text-transform:uppercase;border-radius:var(--r);cursor:pointer;text-decoration:none;display:inline-block;transition:all .25s}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.6)}
.btn-navy{background:var(--navy);color:#fff;border:none;padding:14px 28px;font-family:'DM Sans',sans-serif;font-size:13px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;border-radius:var(--r);cursor:pointer;width:100%;transition:all .2s;text-align:center}
.btn-navy:hover{background:var(--navy-mid)}
.btn-outline{background:transparent;color:var(--text-dark);border:1px solid var(--cream-dark);padding:11px 22px;font-family:'DM Sans',sans-serif;font-size:13px;letter-spacing:.05em;text-transform:uppercase;border-radius:var(--r);cursor:pointer;text-decoration:none;display:inline-block;transition:all .2s;white-space:nowrap}
.btn-outline:hover{border-color:var(--gold);color:var(--gold)}

/* ── LAYOUT ── */
.page-wrap{padding-top:72px}
.si{max-width:1200px;margin:0 auto}
section{padding:90px 5%}
.eyebrow{display:inline-block;font-size:11px;font-weight:500;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.stitle{font-family:'Cormorant Garamond',serif;font-size:clamp(34px,4vw,52px);font-weight:300;line-height:1.1;color:var(--text-dark);margin-bottom:18px}
.ssub{font-size:16px;font-weight:300;color:var(--text-mid);max-width:560px;line-height:1.7}
.shead{margin-bottom:56px}

/* ── PAGE HERO (inner pages) ── */
.page-hero{background:var(--navy);padding:100px 5% 80px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 60% at 110% 40%,rgba(196,154,60,.08),transparent 60%);pointer-events:none}
.page-hero-inner{max-width:1200px;margin:0 auto;position:relative;z-index:2}
.page-hero .eyebrow{color:var(--gold-light)}
.page-hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(40px,5vw,64px);font-weight:300;color:#fff;line-height:1.05;margin-bottom:16px}
.page-hero p{font-size:17px;color:rgba(255,255,255,.65);max-width:560px;line-height:1.7}

/* ── BREADCRUMB ── */
.breadcrumb{font-size:12px;color:rgba(255,255,255,.4);margin-bottom:20px;display:flex;align-items:center;gap:8px}
.breadcrumb a{color:rgba(255,255,255,.5);text-decoration:none;transition:color .2s}
.breadcrumb a:hover{color:var(--gold-light)}
.breadcrumb span{color:rgba(255,255,255,.3)}

/* ── FIELDS ── */
.field{margin-bottom:14px}
.field label{display:block;font-size:11px;font-weight:500;color:var(--text-mid);letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;background:#fff;border:1px solid var(--cream-dark);border-radius:var(--r);padding:12px 14px;font-family:'DM Sans',sans-serif;font-size:14px;color:var(--text-dark);outline:none;transition:border-color .2s}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold)}
.field textarea{height:100px;resize:none}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.msg-ok{display:none;background:rgba(5,150,105,.1);border:1px solid rgba(5,150,105,.3);border-radius:var(--r);padding:14px;font-size:13px;color:#065F46;margin-top:12px}
.msg-err{display:none;background:rgba(220,38,38,.08);border:1px solid rgba(220,38,38,.2);border-radius:var(--r);padding:14px;font-size:13px;color:#991B1B;margin-top:12px}

/* ── TAGS ── */
.tag{display:inline-block;padding:3px 10px;border-radius:2px;font-size:10px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.tag-mutuelle{background:rgba(196,154,60,.12);color:var(--gold)}
.tag-auto{background:rgba(11,31,58,.08);color:var(--navy-light)}
.tag-loi{background:rgba(59,130,246,.1);color:#1D4ED8}
.tag-intl{background:rgba(16,185,129,.1);color:#065F46}
.tag-actu{background:rgba(239,68,68,.1);color:#991B1B}
.tag-emprunteur{background:rgba(139,92,246,.1);color:#5B21B6}

/* ── FOOTER ── */
footer{background:var(--navy);padding:64px 5% 32px;border-top:1px solid rgba(196,154,60,.15)}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:52px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:28px}
.footer-brand p{font-size:14px;color:rgba(255,255,255,.5);line-height:1.7;margin-top:14px;max-width:300px}
.footer-col h4{font-size:11px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:16px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-col a{text-decoration:none;font-size:14px;color:rgba(255,255,255,.6);transition:color .2s}
.footer-col a:hover{color:var(--gold-light)}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:13px;color:rgba(255,255,255,.3)}
.footer-links{display:flex;gap:20px}
.footer-links a{font-size:12px;color:rgba(255,255,255,.35);text-decoration:none;transition:color .2s}
.footer-links a:hover{color:var(--gold-light)}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
}
@media(max-width:768px){
  section{padding:64px 5%}
  .nav-links{display:none}
  .row2{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr 1fr}
}