:root{
    --navy:#1E2761; --navy2:#2A3A8C; --navy3:#141B45;
    --ice:#CADCFC; --iceL:#EAF1FE; --teal:#02C39A; --tealD:#028A6E;
    --txt:#1A1A2E; --mut:#5A6480; --bg:#FFFFFF; --bgAlt:#F4F7FD;
    --radius:14px; --shadow:0 10px 30px rgba(30,39,97,.10);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--txt);background:var(--bg);line-height:1.6}
  h1,h2,h3{line-height:1.2}
  a{text-decoration:none;color:inherit}
  .wrap{max-width:1180px;margin:0 auto;padding:0 24px}
  section{padding:88px 0}
  .kicker{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--tealD);margin-bottom:14px}
  .sec-title{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:800;color:var(--navy);margin-bottom:16px}
  .sec-sub{color:var(--mut);max-width:720px;font-size:1.05rem;margin-bottom:48px}
  .grid{display:grid;gap:26px}
  .g3{grid-template-columns:repeat(3,1fr)}
  .g4{grid-template-columns:repeat(4,1fr)}
  .g2{grid-template-columns:repeat(2,1fr)}
  @media(max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:64px 0}}

  /* ---------- header ---------- */
  header{position:fixed;top:0;left:0;right:0;z-index:50;background:rgba(20,27,69,.92);backdrop-filter:blur(10px);transition:box-shadow .3s}
  header .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
  .logo{display:flex;align-items:center}
  .logo-img{height:54px;width:auto;max-width:100%;background:#fff;border-radius:12px;padding:5px 12px;box-shadow:0 4px 14px rgba(0,0,0,.18);display:block}
  footer .logo-img{height:64px}
  @media(max-width:620px){.logo-img{height:46px}}
  nav{display:flex;gap:26px;align-items:center}
  nav a{color:var(--ice);font-size:.92rem;font-weight:500;transition:color .2s}
  nav a:hover{color:#fff}
  .btn{display:inline-block;padding:12px 26px;border-radius:999px;font-weight:700;font-size:.95rem;transition:transform .2s,box-shadow .2s;cursor:pointer;border:none}
  .btn:hover{transform:translateY(-2px)}
  .btn-teal{background:var(--teal);color:var(--navy3)}
  .btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45)}
  .btn-navy{background:var(--navy);color:#fff}
  nav .btn{padding:9px 20px}
  .burger{display:none;background:none;border:none;color:#fff;font-size:1.6rem;cursor:pointer}
  @media(max-width:880px){
    nav{position:fixed;top:70px;right:0;background:var(--navy3);flex-direction:column;padding:26px 34px;gap:20px;transform:translateX(100%);transition:transform .3s;border-radius:0 0 0 var(--radius)}
    nav.open{transform:translateX(0)}
    .burger{display:block}
  }

  /* ---------- hero ---------- */
  .hero{position:relative;background:linear-gradient(150deg,var(--navy3) 0%,var(--navy) 55%,var(--navy2) 100%);color:#fff;padding:170px 0 110px;overflow:hidden}
  .hero::before,.hero::after{content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.05)}
  .hero::before{width:520px;height:520px;top:-180px;right:-140px}
  .hero::after{width:380px;height:380px;bottom:-160px;left:-120px}
  .hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
  @media(max-width:960px){.hero .wrap{grid-template-columns:1fr}}
  .hero h1{font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:800;margin-bottom:22px}
  .hero h1 em{font-style:normal;color:var(--teal)}
  .hero p.lead{color:var(--ice);font-size:1.13rem;max-width:560px;margin-bottom:34px}
  .hero .cta{display:flex;gap:16px;flex-wrap:wrap}
  .hero .badge{display:inline-flex;align-items:center;gap:8px;background:rgba(2,195,154,.14);border:1px solid rgba(2,195,154,.4);color:var(--teal);padding:7px 16px;border-radius:999px;font-size:.83rem;font-weight:600;margin-bottom:26px}
  /* phone mock */
  .mock{position:relative;margin:0 auto;width:270px;max-width:80%;background:var(--navy3);border:2px solid rgba(255,255,255,.14);border-radius:34px;padding:18px;box-shadow:0 30px 60px rgba(0,0,0,.35)}
  .mock .screen{background:linear-gradient(180deg,#f8faff,#e9f0fd);border-radius:22px;padding:18px;color:var(--txt)}
  .mock .row{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
  .mock .bal{font-size:1.5rem;font-weight:800;color:var(--navy)}
  .mock .chip{font-size:.66rem;font-weight:700;color:var(--tealD);background:rgba(2,195,154,.14);padding:4px 10px;border-radius:999px}
  .mock .act{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:14px 0}
  .mock .act div{background:#fff;border-radius:12px;padding:10px 4px;text-align:center;font-size:.6rem;color:var(--mut);box-shadow:0 3px 10px rgba(30,39,97,.08)}
  .mock .act div span{display:block;font-size:1rem;margin-bottom:3px}
  .mock .tx{background:#fff;border-radius:12px;padding:10px 12px;display:flex;justify-content:space-between;font-size:.72rem;margin-bottom:8px;box-shadow:0 3px 10px rgba(30,39,97,.06)}
  .mock .tx b{color:var(--navy)}
  .mock .tx .pos{color:var(--tealD);font-weight:700}
  .mock .tx .neg{color:#C0392B;font-weight:700}

  /* ---------- stats band ---------- */
  .stats{background:var(--bgAlt);padding:56px 0}
  .stats .grid{gap:20px}
  .stat{text-align:center;padding:26px 14px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow)}
  .stat .n{font-size:2.1rem;font-weight:800;color:var(--navy)}
  .stat .l{font-size:.86rem;color:var(--mut);margin-top:4px}

  /* ---------- cards ---------- */
  .card{background:#fff;border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow);transition:transform .25s}
  .card:hover{transform:translateY(-6px)}
  .icircle{width:52px;height:52px;border-radius:50%;background:var(--navy);display:grid;place-items:center;margin-bottom:18px;flex:none}
  .icircle svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
  .icircle.teal{background:var(--tealD)}
  .icircle.ice{background:var(--iceL)}
  .icircle.ice svg{stroke:var(--navy)}
  .card h3{font-size:1.13rem;color:var(--navy);margin-bottom:10px}
  .card p{font-size:.94rem;color:var(--mut)}
  .alt{background:var(--bgAlt)}

  /* ---------- conformité ---------- */
  .comp{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
  @media(max-width:960px){.comp{grid-template-columns:1fr}}
  .comp ul{list-style:none;margin-top:8px}
  .comp li{display:flex;gap:14px;margin-bottom:22px}
  .comp li .ic{flex:none;width:26px;height:26px;border-radius:50%;background:rgba(2,195,154,.15);display:grid;place-items:center;margin-top:3px}
  .comp li .ic svg{width:14px;height:14px;stroke:var(--tealD);fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
  .comp li b{color:var(--navy);display:block;margin-bottom:2px}
  .comp li span{color:var(--mut);font-size:.94rem}
  .panel-navy{background:linear-gradient(160deg,var(--navy),var(--navy2));border-radius:var(--radius);color:#fff;padding:38px 34px;box-shadow:var(--shadow)}
  .panel-navy h3{font-size:1.25rem;margin-bottom:22px}
  .ratio{display:flex;justify-content:space-between;align-items:baseline;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:.95rem}
  .ratio:last-child{border-bottom:none}
  .ratio b{color:var(--teal)}
  .ratio span{color:var(--ice)}

  /* ---------- timeline ---------- */
  .tl{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative}
  @media(max-width:960px){.tl{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:620px){.tl{grid-template-columns:1fr}}
  .tl .step{background:#fff;border-radius:var(--radius);padding:28px 24px;box-shadow:var(--shadow)}
  .tl .step .num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center;margin-bottom:16px}
  .tl .step:last-child .num{background:var(--tealD)}
  .tl .step .per{font-size:.8rem;font-weight:700;color:var(--tealD);text-transform:uppercase;letter-spacing:.08em}
  .tl .step h3{color:var(--navy);margin:4px 0 10px;font-size:1.08rem}
  .tl .step p{font-size:.9rem;color:var(--mut)}

  /* ---------- partenaires ---------- */
  .part .card ul{list-style:none;margin-top:6px}
  .part .card li{display:flex;gap:10px;font-size:.92rem;color:var(--mut);margin-bottom:10px}
  .part .card li::before{content:"✓";color:var(--tealD);font-weight:800}
  .card.dark{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff}
  .card.dark h3{color:#fff}
  .card.dark p,.card.dark li{color:var(--ice)}

  /* ---------- équipe ---------- */
  .team .card{text-align:center}
  .avatar{width:84px;height:84px;border-radius:50%;margin:0 auto 16px;display:grid;place-items:center;font-weight:800;font-size:1.5rem;color:#fff;background:linear-gradient(135deg,var(--navy2),var(--navy))}
  .team .role{color:var(--tealD);font-weight:700;font-size:.85rem;margin-bottom:8px}

  /* ---------- contact ---------- */
  .contact{background:linear-gradient(150deg,var(--navy3),var(--navy) 60%,var(--navy2));color:#fff}
  .contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
  @media(max-width:960px){.contact .wrap{grid-template-columns:1fr}}
  .contact h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:800;margin-bottom:18px}
  .contact p{color:var(--ice);margin-bottom:28px}
  .contact .info{display:flex;gap:12px;align-items:center;margin-bottom:16px;color:var(--ice);font-size:.97rem}
  .contact .info svg{width:20px;height:20px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}
  form{background:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
  form h3{color:var(--navy);margin-bottom:20px}
  .field{margin-bottom:16px}
  .field label{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:6px}
  .field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1.5px solid #DCE4F5;border-radius:10px;font-size:.95rem;font-family:inherit;color:var(--txt);background:#FBFCFF}
  .field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy2)}
  form .btn{width:100%}
  .form-note{font-size:.78rem;color:var(--mut);margin-top:12px;text-align:center}

  /* ---------- footer ---------- */
  footer{background:var(--navy3);color:var(--ice);padding:56px 0 30px;font-size:.9rem}
  footer .grid{grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
  @media(max-width:820px){footer .grid{grid-template-columns:1fr 1fr}}
  footer h4{color:#fff;margin-bottom:14px;font-size:.95rem}
  footer a{display:block;margin-bottom:9px;color:var(--ice);opacity:.85}
  footer a:hover{opacity:1;color:var(--teal)}
  .legal{border-top:1px solid rgba(255,255,255,.14);padding-top:22px;font-size:.78rem;opacity:.75;text-align:center;line-height:1.7}


  /* multi-pages */
  nav a.active{color:#fff;font-weight:700;border-bottom:2px solid var(--teal);padding-bottom:3px}
  .pagehead{background:linear-gradient(150deg,var(--navy3) 0%,var(--navy) 60%,var(--navy2) 100%);color:#fff;padding:150px 0 64px;position:relative;overflow:hidden}
  .pagehead::after{content:"";position:absolute;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.05);top:-160px;right:-120px}
  .pagehead h1{font-size:clamp(1.9rem,4vw,2.8rem);font-weight:800;position:relative;z-index:1}
  .pagehead p{color:var(--ice);max-width:640px;margin-top:12px;position:relative;z-index:1}
  .crumb{font-size:.82rem;color:var(--teal);font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px;position:relative;z-index:1}
  .ctaband{background:linear-gradient(135deg,var(--navy),var(--navy2));border-radius:var(--radius);color:#fff;padding:46px 48px;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap;box-shadow:var(--shadow)}
  .ctaband h3{font-size:1.45rem;margin-bottom:6px}
  .ctaband p{color:var(--ice);font-size:.95rem}

  /* reveal animation */
  .rv{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
  .rv.on{opacity:1;transform:none}