/* MonAssureurPrêt — feuille de style globale */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:#111827;background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto}
:root{
  --blue:#1B4FD8;--blue-d:#1340B0;--blue-l:#EFF6FF;--blue-m:#DBEAFE;
  --green:#059669;--green-l:#ECFDF5;
  --amber-l:#FFF7ED;--amber:#B45309;
  --text:#111827;--muted:#6B7280;--border:#E5E7EB;--bg:#F9FAFB;
  --r:8px;--rl:16px;
}
.container{max-width:1100px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-title{font-size:2rem;font-weight:800;text-align:center;margin-bottom:.75rem}
.section-sub{font-size:1.1rem;color:var(--muted);text-align:center;max-width:640px;margin:0 auto 3rem}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--r);font-size:1rem;font-weight:600;cursor:pointer;border:none;transition:all .2s;text-decoration:none}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-d);transform:translateY(-1px)}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1.5px solid rgba(255,255,255,.4)}.btn-ghost:hover{background:rgba(255,255,255,.2)}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:#047857}
.btn-outline{background:transparent;color:var(--blue);border:1.5px solid var(--blue)}.btn-outline:hover{background:var(--blue-l)}

/* NAV */
nav{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 1px 4px rgba(0,0,0,.07)}
.nav-i{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{font-size:1.4rem;font-weight:900;color:var(--blue);line-height:1;flex-shrink:0}
.logo em{color:var(--green);font-style:normal}
.logo small{display:block;font-size:.6rem;font-weight:400;color:var(--muted)}
.nav-menu{display:flex;align-items:center;gap:17px;font-size:.85rem;font-weight:500;white-space:nowrap}
.nav-menu a{color:var(--text);padding:4px 0;border-bottom:2px solid transparent;transition:border-color .2s,color .2s}
.nav-menu a:hover,.nav-menu a[aria-current="page"]{color:var(--blue);border-bottom-color:var(--blue)}
.nav-r{display:flex;align-items:center;gap:14px;flex-shrink:0}
.nav-tel{font-weight:600;font-size:.95rem;white-space:nowrap}
.nav-toggle{display:none;background:none;border:1px solid var(--border);border-radius:var(--r);padding:7px 11px;font-size:1.1rem;cursor:pointer;line-height:1}
.nav-cta{display:none}

/* FIL D'ARIANE */
.crumb{background:var(--bg);border-bottom:1px solid var(--border);padding:11px 0;font-size:.8rem;color:var(--muted)}
.crumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:7px;align-items:center}
.crumb li::after{content:'›';margin-left:7px;color:#9CA3AF}
.crumb li:last-child::after{content:''}
.crumb a{color:var(--blue)}.crumb a:hover{text-decoration:underline}
.crumb [aria-current="page"]{color:var(--text);font-weight:600}

/* HERO */
.hero{background:linear-gradient(140deg,#0A2272 0%,#1B4FD8 55%,#2563EB 100%);color:#fff;padding:72px 0}
.hero-wrap{display:grid;grid-template-columns:1fr 400px;gap:48px;align-items:start}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);border-radius:20px;padding:5px 14px;font-size:.82rem;margin-bottom:16px}
.hero h1{font-size:2.4rem;font-weight:900;line-height:1.2;margin-bottom:16px}
.hero h1 span{color:#93C5FD}
.hero-lead{font-size:1rem;opacity:.92;margin-bottom:24px;line-height:1.75}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero-stats{display:flex;gap:24px;margin-top:32px;flex-wrap:wrap}
.hstat strong{display:block;font-size:1.6rem;font-weight:900}
.hstat span{font-size:.8rem;opacity:.72}

/* HERO PAGE INTÉRIEURE */
.phero{background:linear-gradient(140deg,#0A2272 0%,#1B4FD8 100%);color:#fff;padding:56px 0}
.phero h1{font-size:2.1rem;font-weight:900;line-height:1.22;margin-bottom:14px;max-width:820px}
.phero p{font-size:1.02rem;opacity:.92;max-width:760px;line-height:1.75}
.phero .btn{margin-top:24px}

/* CARTE FORMULAIRE */
.hcard{background:#fff;border-radius:var(--rl);padding:24px;box-shadow:0 20px 60px rgba(0,0,0,.28)}
.hcard-title{font-size:1rem;font-weight:700;color:var(--text);text-align:center;margin-bottom:4px}
.hcard-sub{font-size:.8rem;color:var(--muted);text-align:center;margin-bottom:16px}
.fg{margin-bottom:11px}
.fg label{display:block;font-size:.8rem;font-weight:600;color:#374151;margin-bottom:4px}
.fg input,.fg select{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:var(--r);font-size:.88rem;color:var(--text);background:#fff}
.fg input:focus,.fg select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,79,216,.1)}
.micro{font-size:.72rem;color:var(--muted);text-align:center;margin-top:8px}

/* TRUST BAR */
.tbar{background:var(--blue-l);border-bottom:1px solid var(--blue-m);padding:18px 0}
.tbar-i{display:flex;justify-content:space-around;flex-wrap:wrap;gap:10px}
.ti{display:flex;align-items:center;gap:8px;font-size:.85rem;font-weight:500;color:#1E40AF}
.ti-ic{width:32px;height:32px;background:#BFDBFE;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}

/* CARTES */
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pgrid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.pcard{background:#fff;border:1px solid var(--border);border-radius:var(--rl);padding:24px;transition:box-shadow .2s}
.pcard:hover{box-shadow:0 6px 20px rgba(0,0,0,.08)}
.pico{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;font-size:1.3rem;line-height:1;text-align:center}
.pcard h3{font-size:1rem;font-weight:700;margin-bottom:8px}
.pcard p{color:var(--muted);font-size:.875rem;line-height:1.65}
.ptip{margin-top:10px;background:var(--green-l);border-left:3px solid var(--green);padding:6px 10px;border-radius:0 var(--r) var(--r) 0;font-size:.8rem;color:#065F46;font-weight:500}

/* PROCESS */
.proc{background:var(--bg)}
.psteps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative;margin-top:36px}
.psteps::before{content:'';position:absolute;top:30px;left:16.67%;right:16.67%;height:2px;background:var(--blue-m);z-index:0}
.step{text-align:center;position:relative;z-index:1}
.snum{width:60px;height:60px;border-radius:50%;background:var(--blue);color:#fff;font-size:1.4rem;font-weight:900;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:0 0 0 8px var(--blue-l)}
.step h3{font-size:1rem;font-weight:700;margin-bottom:6px}
.step p{color:var(--muted);font-size:.875rem}

/* ARTICLE / CONTENU ÉDITORIAL */
.art{display:grid;grid-template-columns:1fr 320px;gap:52px;align-items:start;padding:64px 0}
.art>*{min-width:0}
.art-main h2{font-size:1.55rem;font-weight:800;margin:44px 0 14px;line-height:1.3}
.art-main h2:first-child{margin-top:0}
.art-main h3{font-size:1.1rem;font-weight:700;margin:28px 0 10px}
.art-main p{margin-bottom:15px;color:#374151}
.art-main ul,.art-main ol{margin:0 0 18px 22px;color:#374151}
.art-main li{margin-bottom:9px}
.art-main a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
.art-main a:hover{color:var(--blue-d)}
.art-main strong{color:var(--text)}
.art-main table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:.9rem}
.art-main th,.art-main td{border:1px solid var(--border);padding:10px 13px;text-align:left;vertical-align:top}
.art-main th{background:var(--blue-l);font-weight:700;color:#1E40AF}
.art-main tbody tr:nth-child(even){background:var(--bg)}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;margin-bottom:22px}
.tscroll table{min-width:480px;margin-bottom:0}
.lead{font-size:1.06rem;color:var(--muted);line-height:1.8;margin-bottom:26px;padding-bottom:22px;border-bottom:1px solid var(--border)}

/* ENCARTS */
.note{background:var(--blue-l);border-left:4px solid var(--blue);border-radius:0 var(--r) var(--r) 0;padding:16px 18px;margin:22px 0;font-size:.92rem;color:#1E3A8A}
.note strong{color:#1E3A8A}
.warn{background:var(--amber-l);border-left:4px solid #F59E0B;border-radius:0 var(--r) var(--r) 0;padding:16px 18px;margin:22px 0;font-size:.92rem;color:#7C2D12}
.win{background:var(--green-l);border-left:4px solid var(--green);border-radius:0 var(--r) var(--r) 0;padding:16px 18px;margin:22px 0;font-size:.92rem;color:#065F46}
.legalnote{font-size:.78rem;color:var(--muted);line-height:1.65;background:var(--bg);border:1px solid var(--border);border-radius:var(--r);padding:12px 14px;margin:18px 0}
.src{font-size:.78rem;color:var(--muted);margin-top:26px;padding-top:16px;border-top:1px solid var(--border);line-height:1.7}
.src a{color:var(--blue)}

/* ASIDE */
.aside{position:sticky;top:88px;display:flex;flex-direction:column;gap:18px}
.abox{background:#fff;border:1px solid var(--border);border-radius:var(--rl);padding:22px;box-shadow:0 4px 18px rgba(0,0,0,.05)}
.abox h3{font-size:1rem;font-weight:800;margin-bottom:8px}
.abox p{font-size:.85rem;color:var(--muted);line-height:1.65;margin-bottom:14px}
.abox .btn{width:100%;justify-content:center;font-size:.9rem;padding:12px 18px}
.alinks{list-style:none}
.alinks li{margin-bottom:9px;font-size:.875rem;line-height:1.5}
.alinks a{color:var(--blue);text-decoration:none;border-bottom:1px solid transparent}
.alinks a:hover{border-bottom-color:var(--blue)}
.acontact{background:linear-gradient(140deg,#0A2272,#1B4FD8);color:#fff;border:none}
.acontact h3,.acontact p{color:#fff}
.acontact p{opacity:.85}

/* FORMULAIRE PRINCIPAL */
.fsec{background:linear-gradient(135deg,#0A2272,#1B4FD8);padding:80px 0}
.fsec .section-title{color:#fff}
.fsec .section-sub{color:rgba(255,255,255,.8)}
.fwrap{background:#fff;border-radius:var(--rl);padding:36px;max-width:720px;margin:0 auto;box-shadow:0 24px 64px rgba(0,0,0,.3)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fgrid .full{grid-column:1/-1}
.fgrid .fg input,.fgrid .fg select,.fgrid .fg textarea{padding:11px 14px;font-size:.95rem;border:1.5px solid #D1D5DB;border-radius:var(--r);width:100%;font-family:inherit;color:var(--text)}
.fgrid .fg textarea{min-height:76px;resize:vertical}
.rgpd{display:flex;align-items:flex-start;gap:9px;font-size:.78rem;color:var(--muted);margin-top:14px}
.rgpd input{flex-shrink:0;margin-top:2px;accent-color:var(--blue)}
.rgpd a{color:var(--blue)}
.fsubmit{text-align:center;margin-top:20px}
.fsuccess{display:none;text-align:center;padding:36px 16px}
.fsuccess .chk{width:64px;height:64px;background:var(--green-l);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:2rem}
.fsuccess h3{font-size:1.4rem;font-weight:800;margin-bottom:8px}
.fsuccess p{color:var(--muted)}

/* OUTILS (coût réel + éligibilité) */
.sim{background:#fff;border:1px solid var(--border);border-radius:var(--rl);padding:28px;box-shadow:0 6px 26px rgba(0,0,0,.07);margin-bottom:26px}
.sim>h2{font-size:1.3rem;font-weight:800;margin-bottom:6px}
.sim>.sim-intro{color:var(--muted);font-size:.92rem;margin-bottom:20px}
.sim-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.sim-grid .full{grid-column:1/-1}
.sim-res{display:none;margin-top:26px;border-top:2px solid var(--border);padding-top:24px}
.sim-res.on{display:block}
.sim-cards{display:grid;grid-template-columns:2fr 1fr 1fr;gap:14px;margin-bottom:18px}
.sim-card{border:1px solid var(--border);border-radius:var(--r);padding:16px;text-align:center;background:var(--bg)}
.sim-card span{display:block;font-size:.78rem;color:var(--muted);margin-bottom:6px;line-height:1.4}
.sim-card strong{font-size:1.3rem;font-weight:900;color:var(--text)}
.sim-card.hl{background:var(--blue-l);border-color:var(--blue-m)}
.sim-card.hl strong{color:var(--blue);font-size:1.75rem}
.sim-err{display:none;background:#FEF2F2;border-left:4px solid #EF4444;color:#991B1B;padding:12px 14px;border-radius:0 var(--r) var(--r) 0;font-size:.87rem;margin-top:16px}
.sim-err.on{display:block}
.sim-res h3{font-size:1.02rem;font-weight:800;margin:22px 0 10px}
.sim-res h3:first-child{margin-top:0}
.elilist{list-style:none;margin:0 0 6px;padding:0}
.elilist li{display:flex;gap:11px;align-items:flex-start;font-size:.9rem;line-height:1.6;color:#374151;margin-bottom:10px}
.elilist li>span{flex-shrink:0;width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700;margin-top:2px}
.elilist li.yes>span{background:var(--green-l);color:var(--green)}
.elilist li.no>span{background:#FEF2F2;color:#DC2626}
.elilist.plain li{padding-left:14px;border-left:3px solid var(--border)}
.eli-concl{font-size:.92rem;line-height:1.7;padding:14px 16px;border-radius:var(--r);margin:6px 0 4px}
.eli-concl.ok{background:var(--green-l);color:#065F46}
.eli-concl.ko{background:var(--amber-l);color:#7C2D12}
.eli-warn{font-size:.85rem;color:#7C2D12;background:var(--amber-l);border-left:4px solid #F59E0B;padding:11px 14px;border-radius:0 var(--r) var(--r) 0;margin-top:12px}

/* CONFIANCE / FAQ */
.conf-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.faqsec{background:var(--bg)}
.faqlist{max-width:820px;margin:0 auto}
.faqitem{background:#fff;border:1px solid var(--border);border-radius:var(--r);margin-bottom:9px;overflow:hidden}
.faqq{padding:16px 20px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;font-size:.92rem;gap:14px;transition:background .2s;width:100%;text-align:left;background:none;border:none;font-family:inherit;color:var(--text)}
.faqq:hover{background:var(--blue-l)}
.faqarr{width:22px;height:22px;border-radius:50%;background:var(--blue-m);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s;font-size:.8rem}
.faqq.open .faqarr{transform:rotate(180deg)}
.faqa{padding:0 20px;max-height:0;overflow:hidden;transition:max-height .35s ease,padding .2s}
.faqa.open{max-height:640px;padding:0 20px 16px}
.faqa p{color:var(--muted);font-size:.875rem;line-height:1.7;margin-bottom:10px}
.faqa p:last-child{margin-bottom:0}
.faqa a{color:var(--blue)}

/* MAILLAGE — CARTES DE LIENS */
.linkgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.linkcard{display:block;background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:18px 20px;transition:all .2s}
.linkcard:hover{border-color:var(--blue);box-shadow:0 4px 16px rgba(27,79,216,.1);transform:translateY(-2px)}
.linkcard strong{display:block;font-size:.95rem;font-weight:700;color:var(--blue);margin-bottom:5px}
.linkcard span{font-size:.83rem;color:var(--muted);line-height:1.55}

/* FOOTER */
footer{background:#0F172A;color:rgba(255,255,255,.68);padding:48px 0 26px}
.foot-i{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px;margin-bottom:36px}
.flogo{color:#fff;font-size:1.3rem;font-weight:900;margin-bottom:10px}
.flogo em{color:var(--green);font-style:normal}
.foot-brand p{font-size:.85rem;line-height:1.65;max-width:240px}
.forias{margin-top:10px;font-size:.75rem;background:rgba(255,255,255,.07);border-radius:var(--r);padding:8px 11px;display:inline-block;line-height:1.6}
.forias strong{color:#fff}
.fcol h4{font-size:.78rem;font-weight:700;color:#fff;margin-bottom:12px;text-transform:uppercase;letter-spacing:.06em}
.fcol ul{list-style:none}
.fcol li{margin-bottom:7px;font-size:.82rem}
.fcol a{color:rgba(255,255,255,.55);transition:color .2s}
.fcol a:hover{color:#fff}
.fbot{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:.75rem}

/* TOAST */
.toast{display:none;position:fixed;bottom:20px;left:50%;transform:translateX(-50%);background:#111827;color:#fff;padding:10px 22px;border-radius:var(--r);font-size:.88rem;z-index:99999;max-width:92vw;text-align:center}

/* RESPONSIVE */
@media(max-width:1120px){.nav-menu{gap:13px;font-size:.8rem}.nav-r .btn{display:none}}
@media(max-width:1000px){
  .art{grid-template-columns:1fr;gap:40px}
  .aside{position:static;flex-direction:row;flex-wrap:wrap}
  .aside>*{flex:1 1 260px}
}
@media(max-width:900px){
  .hero-wrap,.pgrid,.pgrid-2,.conf-grid,.fgrid,.sim-grid,.linkgrid{grid-template-columns:1fr}
  .psteps{grid-template-columns:1fr;gap:20px}.psteps::before{display:none}
  .foot-i{grid-template-columns:1fr 1fr;gap:20px}
  .hero{padding:52px 0}.hero h1{font-size:1.9rem}
  .phero{padding:44px 0}.phero h1{font-size:1.65rem}
  .section{padding:56px 0}.section-title{font-size:1.6rem}
  .art{padding:44px 0}.art-main h2{font-size:1.35rem}
  .sim-cards{grid-template-columns:1fr}
  .nav-toggle{display:block;order:3}
  .nav-menu{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--border);box-shadow:0 8px 24px rgba(0,0,0,.1);padding:8px 24px 16px}
  .nav-menu.open{display:flex}
  .nav-menu a{padding:11px 0;border-bottom:1px solid var(--border)}
  .nav-menu a:hover,.nav-menu a[aria-current="page"]{border-bottom-color:var(--border)}
  .nav-cta{display:block;margin-top:10px;background:var(--blue);color:#fff!important;text-align:center;border-radius:var(--r);border-bottom:none!important;font-weight:700}
}
@media(max-width:600px){
  .nav-r .btn{display:none}
  .nav-i{gap:8px}
  .nav-tel{font-size:.85rem}
  .logo{font-size:1.1rem}
  .logo small{display:none}
  .hcard{padding:18px}.fwrap{padding:20px}
  .foot-i{grid-template-columns:1fr}
  .tbar-i{flex-direction:column;align-items:flex-start;padding:0 8px}
  .container{padding:0 18px}
}