/* ============================================================
   STRAT-FISCAL INTERNATIONAL — style.css
   Palette : bleu nuit / blanc / gris clair / or
   ============================================================ */
:root{
  --navy:#0E2A5C; --navy-dark:#081A3D; --navy-mid:#16356E;
  --gold:#C9A227; --gold-light:#E0BB3D; --gold-dark:#A98A1F;
  --paper:#FFFFFF; --grey:#F4F5F7; --ink:#1C2430; --muted:#5D6675;
  --line:rgba(14,42,92,.12);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--paper);line-height:1.65;overflow-x:hidden}
.label{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.7rem;letter-spacing:.24em;text-transform:uppercase;font-weight:700}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1150px;margin:0 auto;padding:0 24px}
section{padding:92px 0}
.eyebrow{color:var(--gold-dark);margin-bottom:14px}
h2.title{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:400;color:var(--navy);line-height:1.22;margin-bottom:18px}
.rule{width:70px;height:14px;margin:0 0 28px}
.intro{max-width:46em;font-size:1.04rem;color:var(--muted);margin-bottom:44px}
.btn{display:inline-block;padding:15px 28px;border-radius:2px;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.82rem;letter-spacing:.09em;text-transform:uppercase;font-weight:700;transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer;border:none}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy-dark);box-shadow:0 8px 24px rgba(201,162,39,.28)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(201,162,39,.38)}
.btn-line{border:1px solid var(--navy);color:var(--navy);margin-left:12px}
.btn-line:hover{background:var(--navy);color:#fff}
.btn-line.inv{border:1px solid rgba(255,255,255,.6);color:#fff;background:transparent}
.btn-line.inv:hover{background:#fff;color:var(--navy)}
.btn-wa{background:#1F7A4D;color:#fff;margin-left:12px}
.btn-wa:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(31,122,77,.35)}

/* NAVBAR */
header.nav{background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px;gap:14px}
.brand{display:flex;align-items:center;gap:13px;min-width:0}
.brand img{width:46px;height:auto;flex:0 0 46px}
.brand .txt .mark{font-size:.95rem;font-weight:700;color:var(--navy);letter-spacing:.04em;line-height:1.2;white-space:nowrap}
.brand .txt .tag{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.54rem;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-dark)}
nav.menu{display:flex;gap:22px;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.82rem}
nav.menu a{color:var(--navy);padding:6px 0;position:relative}
nav.menu a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--gold);transition:right .25s}
nav.menu a:hover::after{right:0}
.nav-cta{background:var(--navy);color:#fff;padding:10px 20px;border-radius:2px;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.76rem;letter-spacing:.08em;font-weight:700;white-space:nowrap}
.nav-cta:hover{background:var(--gold-dark)}
@media(max-width:1020px){nav.menu{display:none}.brand .txt .mark{white-space:normal;font-size:.85rem}}

/* HERO */
.hero{background:radial-gradient(1100px 480px at 92% -8%, rgba(201,162,39,.14), transparent 58%),linear-gradient(158deg,var(--navy-dark) 0%,var(--navy) 58%,var(--navy-mid) 100%);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center;padding-top:64px;padding-bottom:104px;position:relative}
.hero h1{font-size:clamp(1.9rem,4.1vw,3.1rem);line-height:1.16;font-weight:400;margin:18px 0 20px;overflow-wrap:break-word}
.hero h1 em{font-style:italic;color:var(--gold-light)}
.hero .label{color:var(--gold)}
.hero p.lede{font-size:1.04rem;color:rgba(255,255,255,.85);max-width:33em;margin-bottom:16px}
.hero p.punch{font-size:1.05rem;font-style:italic;color:var(--gold-light);max-width:32em;margin-bottom:24px;border-left:3px solid var(--gold);padding-left:16px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:30px}
.hbadge{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.71rem;letter-spacing:.07em;padding:8px 15px;border:1px solid rgba(201,162,39,.55);border-radius:20px;color:rgba(255,255,255,.92);background:rgba(201,162,39,.1)}
.trustline{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.trustline span{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.74rem;letter-spacing:.04em;color:rgba(255,255,255,.85);padding:8px 14px;background:rgba(255,255,255,.07);border-left:3px solid var(--gold);border-radius:0 3px 3px 0}
.trustline b{color:var(--gold-light)}
.portrait{position:relative;max-width:390px;margin-left:auto}
.portrait img{border-radius:6px;box-shadow:0 30px 80px rgba(0,0,0,.45);border:1px solid rgba(201,162,39,.35)}
.portrait::before{content:"";position:absolute;inset:-14px 14px 14px -14px;border:2px solid var(--gold);border-radius:6px;z-index:0;opacity:.6}
.portrait img{position:relative;z-index:1}
.portrait .card{position:absolute;left:-26px;bottom:24px;z-index:2;background:#fff;color:var(--ink);border-radius:4px;padding:13px 18px;box-shadow:0 16px 44px rgba(0,0,0,.35);border-left:4px solid var(--gold)}
.portrait .card b{display:block;font-size:.96rem;color:var(--navy)}
.portrait .card span{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);font-weight:700}
.swoosh{display:block;width:100%;height:64px;margin-top:-64px;position:relative;z-index:2}
@media(max-width:940px){
  .hero .wrap{grid-template-columns:1fr;padding-top:44px;gap:36px}
  .portrait{order:-1;margin:0 auto;max-width:300px}
  .portrait .card{left:8px;bottom:14px}
}

/* STRIP */
.strip{background:linear-gradient(135deg,var(--gold-dark),var(--gold),var(--gold-light));color:var(--navy-dark)}
.strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;padding-top:20px;padding-bottom:20px;flex-wrap:wrap}
.strip .big{font-size:1.25rem;font-style:italic}
.strip .label{color:var(--navy-dark)}

/* PARTENARIAT */
.partner{background:var(--grey)}
.duo{display:grid;grid-template-columns:1fr auto 1fr;align-items:stretch;background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden;box-shadow:0 20px 60px rgba(14,42,92,.08)}
.duo .side{padding:36px 32px}
.duo h3{font-size:1.2rem;color:var(--navy);margin-bottom:5px}
.duo .who{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.69rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);font-weight:700;margin-bottom:18px}
.duo ul{list-style:none}
.duo li{padding:9px 0 9px 22px;position:relative;font-size:.91rem;color:var(--muted);border-bottom:1px solid var(--line)}
.duo li::before{content:"";position:absolute;left:0;top:17px;width:10px;height:3px;background:var(--gold)}
.duo li:last-child{border-bottom:none}
.duo .mid{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;background:var(--navy);padding:26px 24px;min-width:170px}
.duo .mid img{max-width:120px;background:#fff;border-radius:4px;padding:8px}
.duo .mid .x{font-size:1.9rem;color:var(--gold-light);font-style:italic}
.duo .mid .t{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.75);text-align:center;line-height:1.9}
.coord{margin-top:30px;text-align:center;font-size:1.12rem;font-style:italic;color:var(--navy);max-width:44em;margin-left:auto;margin-right:auto}
.coord b{color:var(--gold-dark);font-style:normal}
.kh-quote{margin:30px auto 0;background:#fff;border-left:4px solid var(--gold);border-radius:0 4px 4px 0;padding:22px 26px;box-shadow:0 12px 36px rgba(14,42,92,.07);max-width:56em}
.kh-quote p{font-size:.98rem;color:var(--ink)}
.kh-quote .src{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:10px}
.capa{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px;justify-content:center}
.capa span{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.72rem;letter-spacing:.05em;padding:9px 16px;background:#fff;border:1px solid var(--line);border-radius:18px;color:var(--navy)}
@media(max-width:900px){.duo{grid-template-columns:1fr}.duo .mid{flex-direction:row;flex-wrap:wrap;justify-content:center}}

/* VOUS ÊTES */
.profgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:22px}
.prof{background:#fff;border:1px solid var(--line);border-radius:6px;padding:30px 28px;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;flex-direction:column}
.prof:hover{transform:translateY(-5px);box-shadow:0 20px 50px rgba(14,42,92,.12);border-color:var(--gold)}
.prof h3{font-size:1.04rem;color:var(--navy);margin-bottom:16px;line-height:1.4;padding-bottom:14px;border-bottom:2px solid var(--gold)}
.prof .rk,.prof .rp{font-size:.9rem;margin-bottom:12px}
.prof .rk b,.prof .rp b{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.65rem;letter-spacing:.18em;text-transform:uppercase;display:block;margin-bottom:5px}
.prof .rk b{color:#A2452F}
.prof .rp b{color:var(--gold-dark)}
.prof .rk{color:var(--muted)}
.prof .rp{color:var(--ink)}

/* SCHÉMAS */
.schemas{background:radial-gradient(900px 400px at 12% 0%, rgba(201,162,39,.1), transparent 60%),linear-gradient(170deg,var(--navy-dark),var(--navy))}
.schemas h2.title,.schemas .intro{color:#fff}
.schemas .intro{color:rgba(255,255,255,.8)}
.tabs{display:flex;gap:9px;flex-wrap:wrap;margin-bottom:30px}
.tab{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.74rem;letter-spacing:.04em;padding:10px 15px;border:1px solid rgba(201,162,39,.45);border-radius:2px;color:rgba(255,255,255,.85);cursor:pointer;background:transparent;transition:all .2s}
.tab:hover{border-color:var(--gold)}
.tab.active{background:var(--gold);color:var(--navy-dark);font-weight:700;border-color:var(--gold)}
.panel{display:none;background:rgba(255,255,255,.035);border:1px solid rgba(201,162,39,.28);border-radius:6px;padding:26px}
.panel.active{display:grid;grid-template-columns:1.5fr 1fr;gap:32px;align-items:center;animation:fadeIn .5s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.panel svg{width:100%;height:auto}
.pnotes h3{font-size:1.1rem;color:var(--gold-light);margin-bottom:13px}
.pnotes p{font-size:.9rem;color:rgba(255,255,255,.83);margin-bottom:11px}
.pnotes ul.vpts{list-style:none;margin:0 0 14px}
.pnotes ul.vpts li{padding:7px 0 7px 22px;position:relative;font-size:.86rem;color:rgba(255,255,255,.87);border-bottom:1px solid rgba(255,255,255,.1)}
.pnotes ul.vpts li::before{content:"";position:absolute;left:0;top:15px;width:10px;height:3px;background:var(--gold)}
.pnotes ul.vpts li:last-child{border-bottom:none}
.pnotes .vhead{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.66rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:8px}
.pnotes .secure{background:rgba(201,162,39,.13);border-left:3px solid var(--gold);padding:12px 15px;font-size:.86rem;color:rgba(255,255,255,.92);border-radius:0 3px 3px 0}
.pnotes .secure b{color:var(--gold-light)}
@media(max-width:960px){.panel.active{grid-template-columns:1fr}}
.flow{stroke-dasharray:7 8;animation:flowmove 1.6s linear infinite}
@keyframes flowmove{to{stroke-dashoffset:-30}}
@media(prefers-reduced-motion:reduce){.flow{animation:none}}

/* MÉTHODE */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:0}
.stepc{position:relative;padding:32px 26px 32px 32px;border-left:1px solid var(--line)}
.stepc:first-child{border-left:none}
.stepc .n{font-family:'Helvetica Neue',Arial,sans-serif;font-size:2.5rem;font-weight:700;color:transparent;-webkit-text-stroke:1.5px var(--gold);line-height:1;margin-bottom:14px}
.stepc h3{font-size:1.06rem;color:var(--navy);margin-bottom:10px}
.stepc p{font-size:.89rem;color:var(--muted)}
@media(max-width:900px){.stepc{border-left:none;border-top:1px solid var(--line)}}

/* OFFRES */
.offers{background:var(--grey)}
.ogrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:22px}
.offer{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:6px;padding:32px 28px;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s}
.offer:hover{transform:translateY(-5px);box-shadow:0 20px 50px rgba(14,42,92,.12)}
.offer .onum{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.65rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dark);font-weight:700;margin-bottom:12px}
.offer h3{font-size:1.12rem;color:var(--navy);margin-bottom:14px;line-height:1.35}
.offer .row{font-size:.87rem;margin-bottom:11px}
.offer .row b{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.63rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-dark);display:block;margin-bottom:3px}
.offer .row span{color:var(--muted)}
.offer .btn{margin-top:auto;align-self:flex-start;padding:12px 20px;font-size:.74rem}

/* PREUVES */
.proof .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:32px}
.proof h4{font-size:1.01rem;color:var(--navy);margin-bottom:9px}
.proof h4::before{content:"";display:inline-block;width:22px;height:3px;background:var(--gold);margin-right:12px;vertical-align:middle}
.proof p{font-size:.91rem;color:var(--muted)}

/* CTA FINAL + FORM */
.cta-final{background:radial-gradient(800px 300px at 50% 120%, rgba(201,162,39,.18), transparent 60%),linear-gradient(150deg,var(--navy-mid) 0%,var(--navy-dark) 100%);color:#fff}
.cta-final .head{text-align:center;margin-bottom:46px}
.cta-final h2{font-size:clamp(1.45rem,2.9vw,2.1rem);font-weight:400;max-width:26em;margin:0 auto 16px;line-height:1.35}
.cta-final p{color:rgba(255,255,255,.78);max-width:40em;margin:0 auto 30px}
.form-card{background:#fff;color:var(--ink);border-radius:8px;padding:38px 34px;max-width:760px;margin:0 auto;box-shadow:0 30px 80px rgba(0,0,0,.35)}
.form-card h3{font-size:1.2rem;color:var(--navy);margin-bottom:22px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fgrid .full{grid-column:1/-1}
.fld label{display:block;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:6px}
.fld input,.fld select,.fld textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:3px;font-family:Georgia,serif;font-size:.95rem;color:var(--ink);background:#fff}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--gold)}
.fld textarea{min-height:110px;resize:vertical}
.form-note{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.72rem;color:var(--muted);margin-top:14px}
.form-actions{margin-top:20px;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
@media(max-width:640px){.fgrid{grid-template-columns:1fr}.btn-line,.btn-wa{margin-left:0}}

/* FOOTER */
footer{background:#061229;color:rgba(255,255,255,.7);font-size:.9rem}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:48px;padding-top:58px;padding-bottom:42px}
footer h5{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
footer li{list-style:none;padding:5px 0}
footer a:hover{color:var(--gold)}
.copy{border-top:1px solid rgba(255,255,255,.1);text-align:center;padding:18px 24px;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.72rem;color:rgba(255,255,255,.45)}
@media(max-width:800px){footer .wrap{grid-template-columns:1fr}}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.on{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ============ PAGES LÉGALES ============ */
.legal-hero{background:linear-gradient(158deg,var(--navy-dark) 0%,var(--navy) 70%);color:#fff;padding:64px 0 56px}
.legal-hero h1{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:400}
.legal-hero .maj{font-family:'Helvetica Neue',Arial,sans-serif;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-light);margin-top:10px}
.legal{padding:64px 0}
.legal .wrap{max-width:860px}
.legal h2{font-size:1.25rem;color:var(--navy);margin:38px 0 12px;padding-bottom:8px;border-bottom:2px solid var(--gold)}
.legal h2:first-child{margin-top:0}
.legal p, .legal li{font-size:.97rem;color:var(--ink);margin-bottom:12px}
.legal ul{margin:0 0 12px 22px}
.legal .todo{background:#FCF6E3;border:1px dashed var(--gold-dark);border-radius:4px;padding:14px 18px;font-family:'Helvetica Neue',Arial,sans-serif;font-size:.85rem;color:#7A6210}
.legal a{color:var(--navy);border-bottom:1px solid var(--gold)}
.legal a:hover{color:var(--gold-dark)}
.err-hero{min-height:60vh;display:flex;align-items:center;justify-content:center;text-align:center;background:linear-gradient(158deg,var(--navy-dark),var(--navy));color:#fff;padding:80px 24px}
.err-hero .n404{font-family:'Helvetica Neue',Arial,sans-serif;font-size:5rem;font-weight:700;color:transparent;-webkit-text-stroke:2px var(--gold);line-height:1}