/* ============================================================
   ThéClair — base.css
   Palette: Charcoal #0F172A | Indigo #6366F1 | Amber #F59E0B
            Light bg #F8FAFC | White #FFFFFF
   Style: Modern fintech, clean editorial — unique per project
   ============================================================ */

:root {
  --dark:      #0F172A;
  --dark-mid:  #1E293B;
  --dark-lt:   #334155;
  --indigo:    #6366F1;
  --indigo-lt: #818CF8;
  --indigo-dk: #4F46E5;
  --amber:     #F59E0B;
  --amber-lt:  #FCD34D;
  --white:     #FFFFFF;
  --light:     #F8FAFC;
  --mid:       #E2E8F0;
  --text:      #0F172A;
  --muted:     #64748B;
  --danger:    #EF4444;
  --success:   #10B981;

  --radius:    12px;
  --radius-lg: 20px;
  --shadow:    0 1px 3px rgba(0,0,0,.08), 0 4px 16px rgba(0,0,0,.06);
  --shadow-lg: 0 4px 6px rgba(0,0,0,.05), 0 10px 40px rgba(0,0,0,.12);
  --transition:180ms ease;
  --max-w:     1140px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a   { color: var(--indigo); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── Typography ── */
h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); font-weight: 700; line-height: 1.15; letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem);  font-weight: 700; line-height: 1.25; letter-spacing: -.01em; }
h3 { font-size: clamp(1rem, 2vw, 1.2rem);   font-weight: 600; }
p  { font-size: 1rem; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--indigo);
  margin-bottom: .75rem;
}
.eyebrow::before {
  content: '';
  display: inline-block;
  width: 20px; height: 2px;
  background: var(--indigo);
  border-radius: 2px;
}

/* ── Layout ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
section    { padding: 80px 0; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .875rem 1.75rem;
  border-radius: 8px;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--indigo);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(99,102,241,.35);
}
.btn-primary:hover { background: var(--indigo-dk); box-shadow: 0 6px 20px rgba(99,102,241,.45); text-decoration: none; }

.btn-amber {
  background: var(--amber);
  color: var(--dark);
  box-shadow: 0 4px 14px rgba(245,158,11,.3);
}
.btn-amber:hover { background: var(--amber-lt); text-decoration: none; }

.btn-ghost {
  background: rgba(255,255,255,.1);
  color: var(--white);
  border: 1px solid rgba(255,255,255,.2);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover { background: rgba(255,255,255,.18); text-decoration: none; }

/* ── Top bar ── */
.top-bar {
  background: var(--indigo);
  color: rgba(255,255,255,.9);
  font-size: .75rem;
  text-align: center;
  padding: .45rem 20px;
  letter-spacing: .02em;
}

/* ── Header ── */
.site-header {
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid var(--mid);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}
.logo {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--dark);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0;
  letter-spacing: -.02em;
}
.logo em { color: var(--indigo); font-style: normal; }
.logo:hover { text-decoration: none; }
.logo-icon {
  width: 32px;
  height: 32px;
  margin-right: .5rem;
  flex-shrink: 0;
  display: block;
}

/* ── Hero ── */
.hero {
  background: var(--dark);
  color: var(--white);
  padding: 90px 0 0;
  position: relative;
  overflow: hidden;
  min-height: 540px;
}
.hero-bg-glow {
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(99,102,241,.18) 0%, transparent 70%);
  pointer-events: none;
}
.hero-bg-glow-2 {
  position: absolute;
  bottom: 0; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,158,11,.1) 0%, transparent 70%);
  pointer-events: none;
}
.hero-photo {
  position: absolute;
  right: 0;
  top: 0;
  width: 48%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,.5) 22%, black 52%);
  mask-image: linear-gradient(to right, transparent 0%, rgba(0,0,0,.5) 22%, black 52%);
}
.hero-content {
  position: relative;
  text-align: left;
  max-width: 560px;
  margin: 0;
  padding-bottom: 56px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(99,102,241,.15);
  border: 1px solid rgba(99,102,241,.3);
  color: var(--indigo-lt);
  font-size: .78rem;
  font-weight: 600;
  padding: .4rem 1rem;
  border-radius: 20px;
  margin-bottom: 1.5rem;
  letter-spacing: .03em;
}
.hero-badge i, .hero-badge svg { width: 14px; height: 14px; stroke-width: 2; }
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero h1 strong { color: var(--amber); font-weight: 700; }
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.65);
  max-width: 480px;
  margin: 0 0 2.25rem;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 12px;
  justify-content: flex-start;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}

/* ── Calculator strip ── */
.calc-strip {
  background: var(--dark-mid);
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 40px 0 56px;
}
.calc-strip-inner {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr auto;
  gap: 16px;
  align-items: end;
}
.calc-label {
  display: block;
  font-size: .72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.5);
  margin-bottom: .5rem;
}
.calc-input, .calc-select {
  width: 100%;
  padding: .8rem 1rem;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 8px;
  color: var(--white);
  font-size: 1rem;
  font-family: inherit;
  transition: var(--transition);
}
.calc-input::placeholder { color: rgba(255,255,255,.3); }
.calc-input:focus, .calc-select:focus {
  outline: none;
  border-color: var(--indigo-lt);
  background: rgba(99,102,241,.08);
}
.calc-select option { background: var(--dark-mid); color: var(--white); }

/* ── Result bar ── */
.calc-result-bar {
  background: var(--indigo);
  padding: 20px 0;
  display: none;
}
.calc-result-bar.visible { display: block; }
.calc-result-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.result-item { text-align: center; flex: 1; min-width: 150px; }
.result-item .val {
  display: block;
  font-size: 1.75rem;
  font-weight: 700;
  line-height: 1;
}
.result-item .val.loss { color: #FCA5A5; }
.result-item .val.gain { color: #6EE7B7; }
.result-item .lbl { font-size: .72rem; color: rgba(255,255,255,.65); margin-top: .3rem; }
.result-footnote {
  font-size: .68rem;
  color: rgba(255,255,255,.4);
  text-align: center;
  margin-top: 8px;
}

/* ── Stats row ── */
.stats-row {
  background: var(--light);
  padding: 32px 0;
  border-bottom: 1px solid var(--mid);
}
.stats-inner {
  display: flex;
  justify-content: space-around;
  gap: 16px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-item .num {
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: var(--dark);
  letter-spacing: -.03em;
}
.stat-item .desc {
  font-size: .78rem;
  color: var(--muted);
  max-width: 140px;
  line-height: 1.4;
  margin-top: .2rem;
}

/* ── Problem section ── */
.problem-section { background: var(--white); }
.problem-section h2 { color: var(--dark); margin-bottom: 1rem; }
.problem-text p { color: var(--muted); margin-bottom: .9rem; line-height: 1.75; }
.problem-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.problem-visual {
  background: var(--light);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--mid);
}
/* ── "Did you know" block in problem visual ── */
.dyk-card {
  background: linear-gradient(135deg, var(--indigo) 0%, #4338CA 100%);
  border-radius: 14px;
  padding: 24px 24px 20px;
  margin-bottom: 1.5rem;
}
.dyk-title {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,.7);
  margin-bottom: 1rem;
}
.dyk-title svg { width: 14px; height: 14px; stroke: rgba(255,255,255,.7); flex-shrink: 0; }
.dyk-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 12px; }
.dyk-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: .88rem;
  color: rgba(255,255,255,.85);
  line-height: 1.55;
}
.dyk-list li svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; stroke: var(--amber); }
.dyk-list li strong { color: var(--white); }

.comparison-row {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 0;
  border-bottom: 1px solid var(--mid);
}
.comparison-row:last-child { border-bottom: none; }
.comp-label { font-size: .85rem; color: var(--muted); flex: 1; }
.comp-bar-wrap { flex: 2; background: var(--mid); border-radius: 4px; height: 8px; }
.comp-bar { height: 8px; border-radius: 4px; }
.comp-bar.livret { background: #94A3B8; width: 28%; }
.comp-bar.lep    { background: var(--success); width: 40%; }
.comp-bar.av     { background: var(--indigo); width: 50%; }
.comp-bar.pea    { background: var(--amber); width: 95%; }
.comp-val { font-size: .9rem; font-weight: 700; color: var(--dark); width: 50px; text-align: right; }

/* ── Tools / Solutions ── */
.solutions-section { background: var(--light); }
.solutions-section h2 { color: var(--dark); }
.solutions-intro { color: var(--muted); max-width: 560px; margin-bottom: 2.5rem; line-height: 1.7; }
.tools-list { display: flex; flex-direction: column; gap: 16px; }
.tool-row {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--mid);
  padding: 28px;
  display: grid;
  grid-template-columns: 60px 1fr auto;
  gap: 20px;
  align-items: center;
  transition: var(--transition);
}
.tool-row:hover { box-shadow: var(--shadow-lg); border-color: var(--indigo); }
.tool-row-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tool-row-icon i, .tool-row-icon svg { width: 24px; height: 24px; stroke-width: 1.75; }
.tool-row-icon.blue  i, .tool-row-icon.blue  svg { color: #6366F1; }
.tool-row-icon.green i, .tool-row-icon.green svg { color: #10B981; }
.tool-row-icon.amber i, .tool-row-icon.amber svg { color: #F59E0B; }
.tool-row-icon.blue   { background: rgba(99,102,241,.1); }
.tool-row-icon.green  { background: rgba(16,185,129,.1); }
.tool-row-icon.amber  { background: rgba(245,158,11,.1); }
.tool-row-body h3 { color: var(--dark); margin-bottom: .3rem; }
.tool-row-body p  { color: var(--muted); font-size: .88rem; line-height: 1.6; }
.tool-chip {
  display: inline-block;
  font-size: .68rem;
  font-weight: 700;
  padding: .2rem .6rem;
  border-radius: 4px;
  margin-bottom: .5rem;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.chip-green  { background: rgba(16,185,129,.12); color: var(--success); }
.chip-indigo { background: rgba(99,102,241,.12); color: var(--indigo-dk); }
.chip-amber  { background: rgba(245,158,11,.12); color: #92400E; }
.tool-rate {
  text-align: right;
  flex-shrink: 0;
  min-width: 100px;
}
.tool-rate .rate-num {
  display: block;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--dark);
  letter-spacing: -.03em;
}
.tool-rate .rate-lbl { font-size: .72rem; color: var(--muted); }

/* ── CTA section ── */
.cta-section {
  background: linear-gradient(135deg, var(--indigo-dk) 0%, var(--dark) 100%);
  color: var(--white);
  text-align: center;
}
.cta-section h2 { color: var(--white); margin-bottom: 1rem; }
.cta-section p  { color: rgba(255,255,255,.7); max-width: 500px; margin: 0 auto 2rem; }
.steps-inline {
  display: flex;
  justify-content: center;
  gap: 40px;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}
.step-inline {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .9rem;
  color: rgba(255,255,255,.75);
}
.step-inline-num {
  width: 28px; height: 28px;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 700;
  flex-shrink: 0;
}

/* ── Lead Form ── */
.form-section { background: var(--white); }
.form-container {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: start;
}
.form-left h2 { color: var(--dark); margin-bottom: .75rem; }
.form-left p  { color: var(--muted); margin-bottom: 1.5rem; line-height: 1.7; }
.form-trust-list { list-style: none; display: flex; flex-direction: column; gap: .5rem; }
.form-trust-list li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  font-size: .88rem;
  color: var(--muted);
}
.form-trust-list li::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; }
.form-card {
  background: var(--light);
  border: 1px solid var(--mid);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.form-card h3 { color: var(--dark); margin-bottom: 1.5rem; font-size: 1.1rem; }
.form-field { margin-bottom: 14px; }
.form-field label { display: block; font-size: .75rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; margin-bottom: .4rem; }
.form-field input, .form-field select {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid var(--mid);
  border-radius: 8px;
  font-size: .95rem;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
}
.form-field input:focus, .form-field select:focus { outline: none; border-color: var(--indigo); }
.form-field input.error { border-color: var(--danger); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-consent {
  display: flex;
  gap: .6rem;
  align-items: flex-start;
  font-size: .75rem;
  color: var(--muted);
  line-height: 1.55;
  margin: 14px 0;
}
.form-consent input { margin-top: 2px; flex-shrink: 0; accent-color: var(--indigo); }
.form-submit { width: 100%; justify-content: center; font-size: 1rem; padding: .95rem; margin-top: .25rem; }
.form-note { font-size: .7rem; color: var(--muted); text-align: center; margin-top: .6rem; line-height: 1.5; }
.form-error-box {
  background: #FEF2F2;
  border: 1px solid #FECACA;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: .82rem;
  color: #991B1B;
  margin-bottom: 14px;
}

/* ── FAQ ── */
.faq-section { background: var(--light); }
.faq-section h2 { color: var(--dark); text-align: center; margin-bottom: 2rem; }
.faq-list { max-width: 740px; margin: 0 auto; display: flex; flex-direction: column; gap: 8px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--mid);
  border-radius: var(--radius);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 20px;
  text-align: left;
  font-size: .95rem;
  font-weight: 600;
  color: var(--dark);
  font-family: inherit;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-chevron { color: var(--indigo); transition: transform var(--transition); flex-shrink: 0; display: flex; align-items: center; }
.faq-chevron i, .faq-chevron svg { width: 18px; height: 18px; stroke-width: 2; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; padding: 0 20px; }
.faq-item.open .faq-a { max-height: 500px; padding: 0 20px 18px; }
.faq-a p { font-size: .88rem; color: var(--muted); line-height: 1.7; }
.faq-a a { color: var(--indigo); }

/* ── Footer ── */
.site-footer { background: var(--dark); color: rgba(255,255,255,.6); padding: 56px 0 28px; }
.footer-top {
  display: grid;
  grid-template-columns: 2.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
.footer-brand .logo { color: var(--white); margin-bottom: .75rem; }
.footer-brand p { font-size: .8rem; color: rgba(255,255,255,.4); line-height: 1.7; max-width: 320px; }
.footer-col h4 { font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.35); margin-bottom: .85rem; font-weight: 600; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .45rem; }
.footer-col ul li a { font-size: .82rem; color: rgba(255,255,255,.5); }
.footer-col ul li a:hover { color: var(--indigo-lt); text-decoration: none; }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,.07); margin: 0 0 24px; }

.amf-box {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-left: 3px solid var(--indigo);
  border-radius: 8px;
  padding: 14px 16px;
  font-size: .7rem;
  color: rgba(255,255,255,.35);
  line-height: 1.65;
  margin-bottom: 20px;
}
.amf-box strong { color: rgba(255,255,255,.5); }

.footer-bottom {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  font-size: .68rem;
  color: rgba(255,255,255,.3);
  line-height: 1.65;
}
.footer-bottom a { color: rgba(255,255,255,.45); }

/* ── Cookie banner ── */
.cookie-banner {
  position: fixed;
  bottom: 20px; left: 20px; right: 20px;
  background: var(--dark-mid);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  z-index: 9999;
  display: none;
  box-shadow: 0 20px 60px rgba(0,0,0,.4);
  max-width: 560px;
  margin: 0 auto;
}
.cookie-inner { display: flex; flex-direction: column; gap: 14px; }
.cookie-text { font-size: .82rem; color: rgba(255,255,255,.7); line-height: 1.55; }
.cookie-text a { color: var(--indigo-lt); }
.cookie-actions { display: flex; gap: 10px; justify-content: flex-end; }
.cookie-btn {
  padding: .5rem 1.25rem;
  border-radius: 6px;
  font-size: .82rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  font-family: inherit;
}
.cookie-btn-accept { background: var(--indigo); color: var(--white); border: 1px solid var(--indigo); }
.cookie-btn-reject { background: rgba(255,255,255,.1); color: var(--white); border: 1px solid rgba(255,255,255,.3); }

/* ── Utilities ── */
.text-center { text-align: center; }
.mt-2 { margin-top: 2rem; }

/* ── Responsive ── */
@media (max-width: 960px) {
  .problem-layout { grid-template-columns: 1fr; }
  .form-container { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .calc-strip-inner { grid-template-columns: 1fr 1fr; }
  .calc-strip-inner .btn { grid-column: 1 / -1; }
  .tool-row { grid-template-columns: 52px 1fr; }
  .tool-rate { grid-column: 2; justify-self: start; }
}

@media (max-width: 620px) {
  section { padding: 56px 0; }
  .hero { padding: 64px 0 0; }
  .hero-photo { display: none; }
  .hero-content { text-align: center; max-width: 100%; }
  .hero-sub { max-width: 100%; }
  .hero-actions { justify-content: center; }
  .calc-strip-inner { grid-template-columns: 1fr; }
  .steps-inline { gap: 20px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { grid-template-columns: 1fr; }
  .tool-row { grid-template-columns: 52px 1fr; }
  .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
  .stats-inner { gap: 24px; }
}