:root{--navy:#0b2a5b;--navy2:#123a7a;--red:#e11d2a;--gold:#f5b82e;--bg:#fff;--alt:#f3f6fb;--tx:#16233b;--mu:#5a6a85;--bd:#dfe6f1}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--tx);background:var(--bg)}
a{color:var(--navy2)}img{max-width:100%;height:auto}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}h1{font-size:clamp(28px,4.6vw,46px);letter-spacing:-.02em}h2{font-size:clamp(23px,3vw,32px)}h3{font-size:19px}
.hd{position:sticky;top:0;z-index:30;background:#fff;border-bottom:1px solid var(--bd)}
.hd-in{display:flex;align-items:center;gap:18px;min-height:98px;padding-top:6px;padding-bottom:6px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-size:18px;line-height:1.1}
.brand img{display:block;height:88px;width:auto;border-radius:10px;box-shadow:0 1px 6px rgba(11,42,91,.14)}
.nav{display:flex;gap:2px;margin-left:auto;flex-wrap:wrap}.nav a{padding:8px 10px;border-radius:8px;text-decoration:none;color:var(--tx);font-weight:600;font-size:14px}.nav a:hover{background:var(--alt)}
.hd-cta{display:flex;align-items:center;gap:12px}.tel{font-weight:700;text-decoration:none;color:var(--navy)}
.btn{display:inline-block;padding:11px 18px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:15px}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#c0141f}.btn-ghost{border-color:var(--navy);color:var(--navy)}
.btn-lg{padding:14px 24px;font-size:17px}
.hero{background:linear-gradient(135deg,#eef3fb,#fff 60%);padding:46px 0 38px}
.hero-in{display:grid;grid-template-columns:1.25fr .75fr;gap:32px;align-items:center}
.kicker{font-weight:700;color:var(--red);text-transform:uppercase;letter-spacing:.06em;font-size:13px;margin:0 0 8px}
.lead{font-size:19px;color:#2c3b57;max-width:640px}
.ticks{list-style:none;padding:0;margin:18px 0 24px;display:grid;gap:6px}.ticks li:before{content:"✓";color:var(--red);font-weight:800;margin-right:8px}
.hero-img{border-radius:18px;box-shadow:0 18px 40px rgba(11,42,91,.15);justify-self:center;max-width:340px}
.bc{padding-top:14px;font-size:13px}.bc ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0;color:var(--mu)}.bc li+li:before{content:"›";margin-right:6px}
.sec{padding:44px 0}.alt{background:var(--alt)}
.est{margin-top:-14px;padding:0 0 10px}.est-card{background:#fff;border:1px solid var(--bd);border-radius:18px;padding:26px;box-shadow:0 14px 34px rgba(11,42,91,.10)}
.est-card h2{margin-bottom:4px}.muted{color:var(--mu);margin:0 0 14px}
form label{display:block;font-weight:600;font-size:13px;color:var(--navy)}
input,select{width:100%;margin-top:4px;padding:11px 12px;border:1px solid #c9d4e6;border-radius:9px;font:inherit;background:#fff}
input:focus,select:focus{outline:2px solid var(--navy2);border-color:transparent}
.g2,.g3{display:grid;gap:12px;margin-bottom:12px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
.fine{font-size:12px;color:var(--mu);margin:10px 0 0}.msg{padding:10px 12px;border-radius:8px;background:#fff7e0;border:1px solid var(--gold);margin-top:10px}
.steps{list-style:none;padding:0;margin:20px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.steps li{background:#fff;border:1px solid var(--bd);border-radius:14px;padding:18px}.alt .steps li{background:#fff}
.n{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:8px}
.steps p{margin:0;color:var(--mu);font-size:15px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{display:block;background:#fff;border:1px solid var(--bd);border-radius:14px;padding:18px;text-decoration:none;color:var(--tx)}.card:hover{border-color:var(--navy2);box-shadow:0 8px 20px rgba(11,42,91,.10)}
.card h3{margin-bottom:6px}.card p{margin:0 0 8px;color:var(--mu);font-size:15px}.card span{color:var(--red);font-weight:700;font-size:14px}
.tldr{background:#fff;border:2px solid var(--navy);border-radius:14px;padding:18px 22px}.tldr-t{margin:0 0 6px;font-weight:800;color:var(--red);text-transform:uppercase;font-size:13px;letter-spacing:.06em}
.tldr ul{margin:0;padding-left:20px}.list li{margin:4px 0}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0}.chips a{display:block;padding:7px 13px;border:1px solid var(--bd);background:#fff;border-radius:999px;text-decoration:none;font-size:14px;font-weight:600}.chips a:hover{background:var(--navy);color:#fff}
details{background:#fff;border:1px solid var(--bd);border-radius:12px;padding:0 16px;margin:10px 0}summary{cursor:pointer;font-weight:700;padding:14px 0;color:var(--navy)}details p{margin:0 0 14px}
.tw{overflow:auto}table{border-collapse:collapse;width:100%;background:#fff;font-size:15px}th,td{border:1px solid var(--bd);padding:10px 12px;text-align:left;vertical-align:top}thead th{background:var(--navy);color:#fff}tbody th{background:var(--alt);width:28%}
.zt tbody th{width:110px;white-space:nowrap}.zt td a{white-space:nowrap}
.cta-band{background:var(--navy);color:#fff;text-align:center}.cta-band h2{color:#fff}
.ft{background:#0a1f44;color:#cdd8ee;padding:40px 0 20px;margin-top:0}.ft a{color:#cdd8ee}.ft-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}.ft ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}.ft-t{font-weight:800;color:#fff;margin:0 0 10px}.ft-bot{margin-top:24px;padding-top:14px;border-top:1px solid #20386b;font-size:13px;display:flex;gap:16px}
.sticky-cta{display:none}
@media(max-width:900px){.hero-in{grid-template-columns:1fr}.hero-img{max-width:240px}.steps{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr 1fr}.ft-grid{grid-template-columns:1fr}.nav{display:none}.g3{grid-template-columns:1fr}.g2{grid-template-columns:1fr}.hd-in{justify-content:space-between}.sticky-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:40;background:var(--red);color:#fff;text-align:center;font-weight:800;padding:14px;border-radius:12px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}body{padding-bottom:72px}}
@media(max-width:560px){.brand img{height:68px}.hd-in{min-height:80px}.hd-cta .btn{padding:10px 12px;font-size:14px}.steps,.cards{grid-template-columns:1fr}}

/* ===== v2 : barre d'annonce, menu mobile, cartes, comparatif, mobile premium ===== */
.ann{background:#071d45;color:#dbe6ff;font-size:13px;text-align:center;padding:7px 0;line-height:1.3}
.nav a.mo{display:none}
.burger{display:none;width:44px;height:44px;border:1px solid var(--bd);background:#fff;border-radius:10px;position:relative;cursor:pointer;flex:0 0 44px}
.burger span,.burger span:before,.burger span:after{content:"";position:absolute;height:2px;background:var(--navy);border-radius:2px}
.burger span{left:11px;right:11px;top:21px}.burger span:before{left:0;right:0;top:-7px}.burger span:after{left:0;right:0;top:7px}
.ic{display:grid;place-items:center;width:58px;height:44px;color:var(--navy);margin-bottom:8px}.ic svg{width:54px;height:auto}
.card:hover .ic{color:var(--red)}
.btn-block{width:100%}
.more{margin:2px 0 14px;border-radius:10px}.more summary{padding:11px 0;font-size:14px}.more .g3{margin:0 0 12px}
details.more{background:transparent;border:0;padding:0}
.hero .ticks li{color:inherit}
input,select{font-size:16px}
@media(max-width:900px){
 .ann{font-size:12px;padding:6px 10px}
 .hd-in{min-height:72px;gap:10px}
 .brand img{height:56px;width:auto;border-radius:8px}
 .hd-cta{margin-left:auto;gap:8px}
 .hd-cta .btn{padding:10px 12px;font-size:13px;white-space:nowrap}
 .burger{display:block}
 .nav{display:none;position:absolute;left:0;right:0;top:100%;margin:0;background:#fff;border-bottom:1px solid var(--bd);padding:12px 16px 16px;grid-template-columns:1fr 1fr;gap:8px;box-shadow:0 14px 26px rgba(11,42,91,.14)}
 .nav.open{display:grid}
 .nav a,.nav a.mo{display:block;background:var(--alt);padding:13px 10px;border-radius:10px;text-align:center;font-size:15px}
 .hd{position:sticky}
 .hero{background:linear-gradient(160deg,#0b2a5b 0%,#14407f 100%);padding:26px 0 52px;color:#fff}
 .hero h1{color:#fff;font-size:28px;line-height:1.15}
 .hero .lead{color:#d9e4fb;font-size:16px;margin:0}
 .hero .kicker{color:#ffd166;font-size:12px}
 .hero-img{display:none}
 .hero .ticks{grid-template-columns:1fr 1fr;gap:8px;margin:18px 0 18px}
 .hero .ticks li{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:10px 10px 10px 12px;font-size:13px;line-height:1.3;color:#fff}
 .hero .ticks li:before{color:#ffd166;margin-right:6px}
 .hero .btn-lg{display:block;width:100%;text-align:center}
 .hero .btn-ghost{border-color:#fff;color:#fff;margin-top:10px}
 .hero .fine{color:#b9c8e8;font-size:12px}
 .est{margin-top:-30px;padding-bottom:4px}
 .est-card{padding:18px 16px;border-radius:18px}
 .est-card h2{font-size:21px}
 .g2{grid-template-columns:1fr}.g2.k{grid-template-columns:1fr 1fr}.g3{grid-template-columns:1fr}
 .sec{padding:30px 0}
 h2{font-size:22px}h3{font-size:17px}
 .lead{font-size:16px}
 .steps{grid-template-columns:1fr;gap:0}
 .steps li{border:0;background:transparent;padding:0 0 18px 52px;position:relative;border-radius:0}
 .steps .n{position:absolute;left:0;top:0;margin:0}
 .steps li:not(:last-child):before{content:"";position:absolute;left:16px;top:40px;bottom:4px;width:2px;background:#cdd8ec}
 .cards{grid-template-columns:1fr;gap:10px}
 .card{display:flex;gap:14px;align-items:center;padding:14px}
 .card .ic{margin:0;flex:0 0 56px;width:56px}
 .card h3{font-size:16px;margin-bottom:4px}.card p{font-size:14px;margin:0}
 .tldr{padding:16px 18px}
 .tw{overflow:visible}
 .cmp,.cmp tbody,.cmp tr,.cmp th,.cmp td{display:block;width:100%}
 .cmp thead{display:none}
 .cmp tr{border:1px solid var(--bd);border-radius:14px;margin:0 0 12px;background:#fff;overflow:hidden}
 .cmp tbody th{background:var(--navy);color:#fff;width:100%;border:0;padding:11px 14px;font-size:15px}
 .cmp td{border:0;border-top:1px solid var(--bd);display:flex;justify-content:space-between;gap:14px;padding:10px 14px;font-size:14px;text-align:right}
 .cmp td:before{content:attr(data-label);color:var(--mu);font-weight:600;text-align:left}
 .cmp td:last-child{background:#fff4f4;font-weight:700;color:var(--navy)}
 .sticky-cta{display:block;left:14px;right:14px;bottom:calc(12px + env(safe-area-inset-bottom));border-radius:14px;padding:15px;font-size:16px}
 .chips a{padding:8px 13px}
 .ft{padding:30px 0 90px}
 body{padding-bottom:0}
}
@media(max-width:380px){.hd-cta .btn{font-size:12px;padding:9px 10px}.brand img{height:50px}}