/* Courtier TI — système visuel (inspiration corporate : marine + vert) */
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(/assets/fonts/open-sans-latin-wght-normal.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(/assets/fonts/open-sans-latin-ext-wght-normal.woff2) format("woff2");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:Montserrat;font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/montserrat-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:Montserrat;font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/montserrat-latin-700-normal.woff2) format("woff2")}
:root{--navy:#192857;--navy-d:#111b3d;--green:#00964D;--green-t:#007A3D;--green-h:#00632f;--green-l:#6fe0a0;--ink:#2b3240;--mut:#535b6b;--line:#dfe3ea;--g1:#f4f6f8;--g2:#eef0f3;--mint:#e9f6ef;
--sans:"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--head:Montserrat,"Open Sans",system-ui,sans-serif;--r:8px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:400 16px/1.65 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}a{color:var(--green-t)}a:hover{color:var(--green-h)}[hidden]{display:none!important}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6em}h1{font-size:clamp(2rem,4.4vw,3.25rem);font-weight:600;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,2.8vw,2.25rem);font-weight:400}h3{font:600 1rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.03em}
p{margin:0 0 1em}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.ic{width:28px;height:28px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;flex:none}.ic.sm{width:18px;height:18px}
:focus-visible{outline:3px solid var(--green);outline-offset:2px}
/* boutons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--green-t);color:#fff;border:2px solid var(--green-t);border-radius:999px;padding:12px 26px;font:600 1rem/1.2 var(--sans);text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{background:var(--green-h);border-color:var(--green-h);color:#fff}.btn-sm{padding:8px 18px;font-size:.92rem}.btn-block{width:100%}
.btn-outline-light{background:transparent;border-color:#fff;color:#fff}.btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}.btn-light:hover{background:var(--mint);border-color:var(--mint);color:var(--navy)}
/* top bar + header */
.topbar{background:var(--g2);font-size:.82rem;color:#3b4250}.topbar-in{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#3b4250;text-decoration:none;margin-left:20px}.topbar a:hover{color:var(--green-t);text-decoration:underline}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:80px;gap:20px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}.wm{display:flex;flex-direction:column;line-height:1}
.wm-name{font:700 1.45rem/1 var(--head);color:var(--navy);letter-spacing:-.01em}.wm-name b{color:var(--green-t)}
.wm-tag{font:600 .62rem/1 var(--head);text-transform:uppercase;letter-spacing:.12em;color:var(--mut);margin-top:6px}
.nav ul{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav ul a:not(.btn){font:700 .84rem/1 var(--head);text-transform:uppercase;letter-spacing:.04em;color:var(--green-t);text-decoration:none;padding:8px 0;border-bottom:2px solid transparent}
.nav ul a:not(.btn):hover{border-bottom-color:var(--green-t)}.lang-m{display:none}
.menu-btn{display:none;background:var(--green-t);color:#fff;border:0;border-radius:6px;padding:8px;cursor:pointer}
/* hero accueil */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden;border-bottom:5px solid var(--green)}
.hero-img,.ph-img,.photo-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero::after,.page-hero.has-img::after,.photo-band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(17,27,61,.94) 0%,rgba(25,40,87,.84) 55%,rgba(25,40,87,.76) 100%)}
@media(max-width:860px){.hero::after,.page-hero.has-img::after{background:rgba(17,27,61,.86)}}
.hero-in{position:relative;z-index:1;padding-top:110px;padding-bottom:110px;max-width:1180px}
.hero h1,.page-hero h1{color:#fff;max-width:760px}.hero .accent{color:var(--green-l)}
.kicker{font:600 .8rem/1 var(--head);text-transform:uppercase;letter-spacing:.14em;color:var(--green-l);margin-bottom:18px}
.lead{font-size:1.15rem;max-width:640px;color:#e4e8f1}.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.badges{background:#fff;border-bottom:1px solid var(--line)}.badges ul{list-style:none;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;padding-top:20px;padding-bottom:20px}
.badges li{display:flex;align-items:center;gap:10px;font:600 .82rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.04em;color:var(--navy)}.badges .ic{color:var(--green-t)}
/* page hero */
.page-hero{position:relative;background:var(--navy);color:#fff;border-bottom:5px solid var(--green);overflow:hidden}
.ph-in{position:relative;z-index:1;padding-top:64px;padding-bottom:64px}.page-hero.has-img .ph-in{padding-top:90px;padding-bottom:90px}
.page-hero h1{font-size:clamp(1.8rem,3.6vw,2.7rem)}.page-hero .lead{margin:0}
.crumbs{background:var(--g1);border-bottom:1px solid var(--line);font-size:.86rem}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:12px 0}
.crumbs li{color:var(--mut)}.crumbs li+li::before{content:"›";margin-right:6px;color:var(--mut)}.crumbs a{color:var(--green-t)}
.ph-banner{background:#fff4d6;border-bottom:1px solid #e9cf80;color:#5a4300;font:600 .85rem/1.4 var(--sans);padding:10px 0}
/* sections */
.sec{padding:84px 0}.alt{background:var(--g1)}.fade-green{background:linear-gradient(180deg,var(--mint) 0,#fff 260px)}
.sec-head{max-width:760px;margin:0 0 44px}.sec-head.center{text-align:center;margin-left:auto;margin-right:auto}.sec-head p{color:var(--mut);font-size:1.06rem;margin:0}
.circle{display:inline-grid;place-items:center;width:84px;height:84px;border-radius:50%;background:var(--green);color:#fff;flex:none}.circle .ic{width:38px;height:38px}
.cats{display:grid;grid-template-columns:repeat(4,1fr);gap:40px 28px}
.cat{display:flex;flex-direction:column;align-items:center;text-align:center;text-decoration:none;padding:8px}
.cat h3{margin:18px 0 6px;color:var(--navy)}.cat p{margin:0;color:var(--green-t);font-size:.94rem}
.cat:hover .circle{background:var(--navy)}.cat:hover h3{color:var(--green-t)}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px 28px;position:relative}
.num{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font:700 1.2rem var(--head);margin-bottom:18px}
.steps p{margin:0;color:var(--mut)}
.photo-band{position:relative;color:#fff;text-align:center;overflow:hidden;background:var(--navy)}
.photo-band::after{background:rgba(25,40,87,.86)}.pb-in{position:relative;z-index:1;padding-top:96px;padding-bottom:96px;max-width:860px}
.photo-band h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:300}.photo-band p{font-size:1.12rem;color:#e4e8f1;margin:0}
.bens{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.ben{border-top:3px solid var(--green);padding-top:22px}
.ben-ic{color:var(--green-t);width:34px;height:34px;margin-bottom:12px}.ben p{color:var(--mut);margin:0}
.faq-split{display:grid;grid-template-columns:5fr 7fr;gap:56px;align-items:start}.faq-img{border-radius:var(--r);margin-top:12px}
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;padding:18px 22px;font-weight:600;color:var(--navy)}
summary::-webkit-details-marker{display:none}summary::after{content:"+";color:var(--green-t);font:700 1.3rem/1 var(--head)}details[open] summary::after{content:"–"}
details p{padding:0 22px 18px;margin:0;color:var(--ink)}
.contact-row{border-top:1px solid var(--line);padding:48px 0}.cr-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:center;text-align:center}
.cr-grid .ic{color:var(--green-t);margin:0 auto 6px}.cr-grid p{margin:0}.cr-l{font:700 .9rem var(--head);text-transform:uppercase;letter-spacing:.04em;color:var(--navy)}
.cr-grid a:not(.btn){font-weight:600}
.cta-band{background:var(--navy);color:#fff;padding:56px 0}.cta-in{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 4px;font-weight:400}.cta-band p{margin:0;color:#d3d9e6}
/* contenus de gabarits */
.two-col{display:grid;grid-template-columns:minmax(0,8fr) minmax(0,4fr);gap:56px;align-items:start}
.main-col h2{margin-top:44px;font-size:1.65rem}.main-col h2:first-child{margin-top:0}
.side-col{position:sticky;top:110px;display:grid;gap:20px}.side-card{border:1px solid var(--line);border-radius:var(--r);padding:28px;background:#fff}
.quote-card{text-align:center;border-top:5px solid var(--green)}.quote-card .circle{width:64px;height:64px;margin-bottom:12px}.quote-card .circle .ic{width:30px;height:30px}
.h-side{font:700 1rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.03em;margin-bottom:10px}.side-link{margin:14px 0 0;font-size:.94rem}
.h-box{font:700 .85rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.06em;color:var(--green-t);margin:0 0 8px!important}
.def-box{font-size:1.15rem;color:var(--navy);border-left:4px solid var(--green);padding:4px 0 4px 20px;margin-bottom:24px}.def-box p{margin:0}
.answer-box,.method-box{background:var(--mint);border-radius:var(--r);padding:22px 24px;margin:24px 0}.answer-box p,.method-box p{margin:0}
.method-box{background:var(--g1)}.method-box ul{margin:10px 0 0;padding-left:20px}
.checks,.links{list-style:none;padding:0;margin:0}.checks li{display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-bottom:1px solid var(--line)}.checks .ic{color:var(--green-t);margin-top:4px}
.links li{padding:7px 0;border-bottom:1px solid var(--line)}.links li:last-child{border:0}.cols2{columns:2;column-gap:28px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--navy);color:#fff;font:600 .8rem var(--head);text-transform:uppercase;letter-spacing:.04em}
tbody th{color:var(--navy)}tbody tr:nth-child(even){background:var(--g1)}tbody tr:last-child>*{border-bottom:0}
.sources{font-size:.88rem;color:var(--mut);margin-top:10px}.meta-line{font-size:.88rem;color:var(--mut);border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:26px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:48px}.fact{border:1px solid var(--line);border-top:4px solid var(--green);border-radius:var(--r);padding:22px}
.fact-l{font:700 .78rem var(--head);text-transform:uppercase;letter-spacing:.05em;color:var(--mut);margin:0 0 6px}.fact-v{font-size:1.2rem;color:var(--navy);font-weight:600;margin:0}
.factors{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.factor{background:var(--g1);border-radius:var(--r);padding:20px}.factor p{margin:0;color:var(--mut)}
.prose{max-width:820px}.prose h2{font-size:1.5rem;margin-top:36px}.center{text-align:center}.thanks .circle{margin-bottom:24px}.thanks .lead{color:var(--mut);margin:0 auto 28px}
/* formulaire */
.form-sec{background:var(--g1)}.form-card{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-top:5px solid var(--green);border-radius:var(--r);padding:40px}
.progress{height:6px;background:var(--g2);border-radius:99px;overflow:hidden}.progress span{display:block;height:100%;width:25%;background:var(--green-t);transition:width .3s}
.pstep{font:600 .8rem var(--head);text-transform:uppercase;letter-spacing:.06em;color:var(--mut);margin:10px 0 26px}
fieldset{border:0;margin:0;padding:0;min-width:0}legend{font-size:1.45rem;color:var(--navy);margin-bottom:18px;padding:0}
.step-panel{display:none}.step-panel.active{display:block}.no-js .step-panel{display:block;margin-bottom:32px}
.choices{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.choice{position:relative}.choice input{position:absolute;opacity:0}
.choice span{display:flex;align-items:center;gap:14px;border:2px solid var(--line);border-radius:var(--r);padding:12px 16px;font-weight:600;color:var(--navy);cursor:pointer;height:100%}
.choice .circle{width:42px;height:42px}.choice .circle .ic{width:22px;height:22px}.choice span:hover{border-color:var(--green)}
.choice input:checked+span{border-color:var(--green-t);background:var(--mint)}.choice input:focus-visible+span{outline:3px solid var(--green);outline-offset:2px}
label.f{display:block;font-weight:600;font-size:.92rem;margin:18px 0 6px;color:var(--navy)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;color:var(--ink);padding:12px 14px;border:1px solid #8a93a3;border-radius:6px;background:#fff}
[aria-invalid=true]{border-color:#b3261e!important;box-shadow:0 0 0 1px #b3261e}
.hint{font-size:.875rem;color:#4a5568;margin:6px 0 0}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,150,77,.35);border-color:var(--green-t)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--g1);border-left:4px solid var(--green);border-radius:6px;padding:16px;margin-top:24px;font-size:.92rem}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--green-t);flex:none}.req{font-size:.85rem;color:var(--mut);margin:12px 0 0}
.nav-btns{display:flex;justify-content:space-between;gap:12px;margin-top:30px;padding-top:24px;border-top:1px solid var(--line)}
.err{color:#b3261e;font-weight:600;font-size:.9rem;min-height:1.2em;margin:10px 0 0}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* pied de page */
.site-footer{background:var(--navy-d);color:#c7cddb;font-size:.92rem;padding:64px 0 0}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline;color:#fff}
.f-grid{display:grid;grid-template-columns:2.2fr 1.4fr 1.4fr 1fr 1.1fr;gap:36px;padding-bottom:44px}
.site-footer .wm-name{color:#fff}.site-footer .wm-name b{color:var(--green-l)}.site-footer .wm-tag{color:#aab3c5}.f-brand p{margin:18px 0 0;max-width:320px}
.f-h{font:700 .8rem/1 var(--head);text-transform:uppercase;letter-spacing:.08em;color:var(--green-l);margin:6px 0 16px}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:0 0 9px;break-inside:avoid}.site-footer li span{color:#c7cddb}
.f-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid #2b3766;padding:20px 0;font-size:.82rem;color:#aab3c5}
/* responsive */
@media(max-width:1080px){.cats{grid-template-columns:repeat(2,1fr)}.bens{grid-template-columns:repeat(2,1fr)}.f-grid{grid-template-columns:1fr 1fr 1fr}.f-brand{grid-column:1/-1}
.two-col{grid-template-columns:1fr}.side-col{position:static}.badges ul{grid-template-columns:repeat(2,1fr)}}
@media(max-width:860px){.menu-btn{display:inline-flex}.nav nav ul{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(17,27,61,.12)}
.nav nav ul.open{display:flex}.nav ul a:not(.btn){display:block;padding:14px 0;border-bottom:1px solid var(--line)}.nav ul li:last-child{margin-top:16px}.lang-m{display:block}
.topbar-in>span:first-child{display:none}.topbar-in{justify-content:flex-end}
.steps,.faq-split,.cr-grid,.facts,.factors{grid-template-columns:1fr}.faq-img{display:none}}
@media(max-width:600px){.wrap{padding:0 18px}.sec{padding:56px 0}.hero-in{padding-top:64px;padding-bottom:64px}.cats{grid-template-columns:1fr 1fr;gap:28px 12px}.circle{width:68px;height:68px}.circle .ic{width:30px;height:30px}
.cat h3{font-size:.86rem}.cat p{font-size:.85rem}.bens,.grid2,.choices{grid-template-columns:1fr}.f-grid{grid-template-columns:1fr 1fr;gap:28px 20px}.badges ul{grid-template-columns:1fr 1fr}.badges li{font-size:.72rem}
.form-card{padding:24px 18px}.wm-name{font-size:1.2rem}.wm-tag{font-size:.55rem}.nav{min-height:68px}.f-grid .cols2{columns:1}.main-col .cols2{columns:1}.page-hero.has-img .ph-in{padding-top:56px;padding-bottom:56px}}