:root{--navy:#12263f;--navy2:#1b3a5c;--jaune:#ffc93c;--txt:#22303e;--gris:#5a6b7c;--fond:#f5f7fa;--line:#e2e8ef}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:-apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:var(--txt);line-height:1.6;background:#fff}
.wrap{max-width:1000px;margin:0 auto;padding:0 20px}
/* header */
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10;box-shadow:0 2px 8px rgba(0,0,0,.25)}
.head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 0;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.05rem;color:#fff;text-decoration:none;letter-spacing:.02em}
.logo span{color:var(--jaune)}
nav{display:flex;gap:14px;flex-wrap:wrap}
nav a{color:#cfdcea;text-decoration:none;font-size:.86rem}
nav a:hover{color:#fff}
.tel-head{background:var(--jaune);color:var(--navy);font-weight:800;padding:8px 14px;border-radius:6px;text-decoration:none;font-size:.95rem;white-space:nowrap}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:56px 0 48px;text-align:left}
.hero h1{font-size:2rem;line-height:1.25;max-width:640px}
.hero p{margin-top:14px;font-size:1.06rem;color:#dbe6f1;max-width:600px}
.badges{margin-top:18px;display:flex;gap:10px;flex-wrap:wrap}
.badges li{list-style:none;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:20px;font-size:.82rem}
.cta{display:inline-block;margin-top:24px;background:var(--jaune);color:var(--navy);font-weight:800;font-size:1.15rem;padding:14px 26px;border-radius:8px;text-decoration:none;box-shadow:0 4px 14px rgba(0,0,0,.3)}
.cta small{display:block;font-weight:600;font-size:.75rem;margin-top:2px}
/* sections */
section{padding:44px 0}
section.alt{background:var(--fond)}
h2{font-size:1.45rem;color:var(--navy);margin-bottom:8px}
.sub{color:var(--gris);margin-bottom:24px;max-width:640px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px;text-decoration:none;color:var(--txt);display:block;transition:transform .12s}
.card:hover{transform:translateY(-3px);border-color:var(--jaune)}
.card .ico{font-size:1.6rem}
.card h3{color:var(--navy);font-size:1.02rem;margin:8px 0 6px}
.card p{font-size:.88rem;color:var(--gris)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px}
.steps li{list-style:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}
.steps li::before{counter-increment:s;content:counter(s);display:inline-block;width:28px;height:28px;border-radius:50%;background:var(--jaune);color:var(--navy);font-weight:800;text-align:center;line-height:28px;margin-bottom:8px}
.steps h3{font-size:.98rem;color:var(--navy);margin-bottom:4px}
.steps p{font-size:.86rem;color:var(--gris)}
article p{margin-bottom:14px;max-width:720px}
article ul{margin:0 0 14px 22px;max-width:700px}
article li{margin-bottom:6px}
.encart{background:#fff8e1;border-left:4px solid var(--jaune);padding:14px 16px;border-radius:0 8px 8px 0;margin:18px 0;max-width:720px}
/* bande CTA */
.bande{background:var(--navy);color:#fff;text-align:center;padding:36px 20px}
.bande h2{color:#fff}
.bande p{color:#cfdcea;margin:6px 0 4px}
/* zones */
.zones{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.zones a{background:#fff;border:1px solid var(--line);padding:7px 14px;border-radius:20px;text-decoration:none;color:var(--navy);font-size:.88rem}
.zones a:hover{border-color:var(--jaune)}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin-bottom:10px;max-width:720px}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.faq p{margin-top:8px;font-size:.92rem}
/* footer */
footer{background:#0d1c2e;color:#9fb2c4;padding:36px 0;font-size:.85rem}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}
footer h4{color:#fff;font-size:.92rem;margin-bottom:10px}
footer a{color:#9fb2c4;text-decoration:none;display:block;margin-bottom:6px}
footer a:hover{color:var(--jaune)}
.legal{margin-top:26px;padding-top:14px;border-top:1px solid #22364d;font-size:.78rem}
/* mobile */
@media(max-width:640px){
  .hero h1{font-size:1.5rem}
  nav{display:none}
  .tel-fixe{position:fixed;bottom:0;left:0;right:0;background:var(--jaune);color:var(--navy);text-align:center;font-weight:800;font-size:1.1rem;padding:14px;text-decoration:none;z-index:20;box-shadow:0 -2px 10px rgba(0,0,0,.2)}
  body{padding-bottom:52px}
}
@media(min-width:641px){.tel-fixe{display:none}}