/* Charte Groupe Euodia — site de Jean-Marie Lemarié */
@font-face{font-family:"Inter";font-weight:400;font-style:normal;font-display:swap;src:url("fonts/inter-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-weight:500;font-style:normal;font-display:swap;src:url("fonts/inter-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-weight:600;font-style:normal;font-display:swap;src:url("fonts/inter-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-weight:700;font-style:normal;font-display:swap;src:url("fonts/inter-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Poppins";font-weight:400;font-style:normal;font-display:swap;src:url("fonts/poppins-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Poppins";font-weight:500;font-style:normal;font-display:swap;src:url("fonts/poppins-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Poppins";font-weight:600;font-style:normal;font-display:swap;src:url("fonts/poppins-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Poppins";font-weight:700;font-style:normal;font-display:swap;src:url("fonts/poppins-latin-700-normal.woff2") format("woff2")}

:root{
  --dark:#041E3A; --dark-2:#0B2B52; --blue:#0066FF; --blue-text:#0052CC; --orange:#F9A11D;
  --ink:#041E3A; --muted:#4A5B73; --soft:#F2F5FA; --line:#D5DEEA; --on-dark:#DCE5F2; --on-dark-muted:#AFC0D8;
  --radius:14px; --wrap:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
h1,h2,h3{font-family:Poppins,Inter,sans-serif;line-height:1.15;margin:0}
h1{font-size:clamp(2rem,4.5vw,3rem);font-weight:700}
h2{font-size:clamp(1.6rem,3vw,2rem);font-weight:700}
h3{font-size:1.15rem;font-weight:600}
p{margin:0}
a{color:var(--blue-text)}
a:hover{color:var(--dark)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}

/* En-tête : logo « Croissance » + menu déroulant */
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.site-header{background:var(--dark);color:#fff;position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;gap:20px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff;flex-shrink:0}
.brand:hover{color:#fff}
.logo-mark{width:40px;height:40px;flex:none;display:block}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-text b{font-family:Poppins,sans-serif;font-weight:600;font-size:17px}
.brand-text span{font-size:11.5px;letter-spacing:.12em;color:#C9D6E8;text-transform:uppercase}
.main-nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;gap:5px;color:#fff;background:none;border:0;font:500 14.5px Inter,system-ui,sans-serif;padding:10px 10px;border-radius:8px;cursor:pointer;text-decoration:none;min-height:44px;white-space:nowrap}
.nav-link svg{width:12px;height:12px;transition:transform .15s}
.nav-link:hover{background:var(--dark-2);color:#fff}
.nav-item.current>.nav-link,.nav-link[aria-current="page"]{color:var(--orange)}
.sub{display:none;position:absolute;top:100%;left:0;min-width:280px;background:#fff;border-radius:12px;box-shadow:0 18px 40px -12px rgba(4,30,58,.45);padding:8px;z-index:60}
.sub a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14.5px;line-height:1.35}
.sub a:hover{background:var(--soft);color:var(--blue-text)}
.sub a[aria-current="page"]{color:var(--blue-text);font-weight:600}
.btn-nav{display:flex;align-items:center;min-height:44px;margin-left:8px;padding:10px 16px;border-radius:10px;background:var(--orange);color:var(--dark);font-family:Poppins,sans-serif;font-weight:600;font-size:15px;text-decoration:none;white-space:nowrap}
.btn-nav:hover{background:#ffb84a;color:var(--dark)}
.menu-toggle{display:none;margin-left:auto;width:44px;height:44px;border:1px solid #2A4A73;border-radius:10px;background:transparent;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.menu-toggle span:not(.sr){display:block;width:20px;height:2px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
.menu-open .menu-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-open .menu-toggle span:nth-child(2){opacity:0}
.menu-open .menu-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (min-width:1101px){
  .has-sub:hover .sub,.has-sub:focus-within .sub{display:block}
  .has-sub:hover .nav-link svg{transform:rotate(180deg)}
  .nav-item:nth-last-of-type(-n+3) .sub{left:auto;right:0}
}
@media (min-width:1101px) and (max-width:1200px){.nav-link{padding:10px 7px;font-size:14px}.brand-text b{font-size:16px}}
@media (max-width:1100px){
  .menu-toggle{display:flex}
  .main-nav{display:none;position:fixed;inset:72px 0 0 0;background:var(--dark);flex-direction:column;align-items:stretch;padding:12px 24px 32px;gap:0;overflow-y:auto}
  .menu-open{overflow:hidden}
  .menu-open .main-nav{display:flex}
  .nav-link{width:100%;justify-content:space-between;font-size:16px;padding:14px 4px;border-bottom:1px solid #1A3A63;border-radius:0}
  .nav-link:hover{background:transparent}
  .sub{position:static;box-shadow:none;background:transparent;padding:2px 0 10px 8px;min-width:0}
  .sub a{color:#DCE5F2;font-size:15px}
  .sub a:hover{background:var(--dark-2);color:#fff}
  .sub a[aria-current="page"]{color:var(--orange)}
  .nav-item.open .sub{display:block}
  .nav-item.open .nav-link svg{transform:rotate(180deg)}
  .btn-nav{margin:20px 0 0;justify-content:center}
}
@media (max-width:420px){.brand-text span{display:none}}


/* Sections */
.section{padding:72px 0}
.section.soft{background:var(--soft)}
.section.dark{background:var(--dark);color:#fff}
.section-head{display:flex;flex-direction:column;gap:12px;margin-bottom:32px;max-width:760px}
.section-head p{color:var(--muted);font-size:1.05rem}
.dark .section-head p{color:var(--on-dark)}
.eyebrow{align-self:flex-start;background:var(--orange);color:var(--dark);font-weight:600;font-size:14px;padding:7px 14px;border-radius:999px}
.eyebrow.blue{background:#E5EFFF;color:var(--blue-text)}

/* Hero */
.hero{background:var(--dark);color:#fff;padding:56px 0 76px}
.hero .wrap{display:flex;flex-wrap:wrap;gap:48px;align-items:center}
.hero-text{flex:999 1 520px;min-width:0;display:flex;flex-direction:column;gap:22px}
.hero-text .lead{font-size:1.15rem;color:var(--on-dark)}
.hero-text .accent{color:var(--orange)}
.hero-risk{font-size:13.5px;color:var(--on-dark-muted)}
.advisor-card{flex:1 1 300px;max-width:380px;background:#fff;color:var(--ink);border-radius:18px;overflow:hidden}
.advisor-card img{width:100%;height:360px;object-fit:cover;object-position:center 18%}
.advisor-card .body{padding:20px 22px;display:flex;flex-direction:column;gap:4px;font-size:14.5px;color:var(--muted)}
.advisor-card .name{font-family:Poppins,sans-serif;font-weight:600;font-size:19px;color:var(--ink)}
.advisor-card .reviews{font-weight:600;color:var(--blue-text)}

/* Boutons */
.actions{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;text-decoration:none;font-family:Poppins,sans-serif;font-weight:600;font-size:16px;padding:14px 22px;border-radius:10px;min-height:48px;border:1px solid transparent;text-align:center}
.btn-primary{background:var(--orange);color:var(--dark)}
.btn-primary:hover{background:#ffb84a;color:var(--dark)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#0052CC;color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:#5B7BA6}
.btn-ghost:hover{background:var(--dark-2);color:#fff}
.btn-outline{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--blue);color:var(--ink)}
.contact-links{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:15px}
.contact-links a{display:inline-flex;align-items:center;gap:8px;min-height:44px;color:#fff}
.contact-links a:hover{color:var(--orange)}
.ico{width:18px;height:18px;flex:none}

/* Grilles et cartes */
.grid{display:grid;gap:16px}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:10px}
.soft .card{border-color:transparent}
.card p{color:var(--muted);font-size:15.5px}
.card .num{font-family:Poppins,sans-serif;font-weight:700;font-size:28px;color:var(--blue)}
a.card{text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--blue);transform:translateY(-2px);color:var(--ink)}
a.card .more{margin-top:auto;font-weight:600;color:var(--blue-text);font-size:15px}
.stat{background:var(--soft);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:6px}
.stat .l{font-size:15px;color:var(--muted)}
.stat .v{font-family:Poppins,sans-serif;font-weight:700;font-size:clamp(2rem,4vw,2.6rem);line-height:1.1}
.stat.strong{background:var(--dark);color:#fff}
.stat.strong .l{color:#C9D6E8}
.v.blue{color:var(--blue)} .v.orange{color:var(--orange)}
.note{font-size:14px;color:var(--muted);margin-top:16px}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks li::before{content:"";flex:none;width:22px;height:22px;margin-top:2px;background:no-repeat center/22px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230066FF' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E")}
.two-col{display:flex;flex-wrap:wrap;gap:40px}
.two-col > *{flex:1 1 420px;min-width:0;display:flex;flex-direction:column;gap:18px}

/* Tableaux */
.table-box{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--soft);font-weight:600}
td.r,th.r{text-align:right;font-variant-numeric:tabular-nums}
tr:last-child td{border-bottom:0}
tr.total td{font-weight:700}

/* Offre / encadrés */
.offer{border:2px solid var(--orange);border-radius:var(--radius);padding:24px;background:#FFF8EC;display:flex;flex-direction:column;gap:10px}
.offer h3{color:var(--ink)}
.offer p{color:#3B4A60;font-size:15px}
.warning{border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;font-size:14px;color:var(--muted);display:flex;flex-direction:column;gap:8px;background:#fff}
.warning strong{color:var(--ink)}

/* Vidéo */
.video-link{display:inline-flex;align-items:center;gap:14px;background:#fff;border-radius:12px;padding:12px 20px 12px 12px;text-decoration:none;color:var(--ink);border:1px solid var(--line);min-height:48px}
.video-link:hover{border-color:var(--blue);color:var(--ink)}
.video-link .play{width:46px;height:46px;border-radius:999px;background:var(--blue);display:flex;align-items:center;justify-content:center;flex:none}
.video-link small{display:block;color:var(--muted);font-size:14px}

/* Appel à l'action */
.cta-band{background:var(--dark);color:#fff;border-radius:20px;padding:44px 40px;display:flex;flex-wrap:wrap;gap:28px;align-items:center;justify-content:space-between}
.cta-band .txt{flex:999 1 460px;min-width:0;display:flex;flex-direction:column;gap:12px}
.cta-band .txt p{color:var(--on-dark)}
.cta-band .btns{flex:1 1 260px;display:flex;flex-direction:column;gap:10px}
@media (max-width:600px){.cta-band{padding:32px 22px}.section{padding:56px 0}}

/* Pied de page */
.site-footer{background:var(--dark);color:var(--on-dark-muted);padding:44px 0;font-size:12.5px;line-height:1.65}
.site-footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 24px;color:#fff;font-size:14px;margin-bottom:18px}
.site-footer .top b{font-family:Poppins,sans-serif;font-weight:600}
.site-footer a{color:#fff}
.site-footer p + p{margin-top:10px}
.footer-links{display:flex;flex-wrap:wrap;gap:6px 20px;margin-top:16px;font-size:14px}

/* Pages légales */
.legal-page{max-width:820px}
.legal-page h2{font-size:1.35rem;margin:36px 0 10px}
.legal-page p,.legal-page li{color:#2B3D57;font-size:15.5px}
.legal-page p + p{margin-top:10px}
.legal-page ul{padding-left:20px;margin:8px 0}
.todo{background:#FFF1D6;padding:0 4px;border-radius:4px}
/* Simulateur d'épargne mensuelle */
.sim{display:flex;flex-wrap:wrap;gap:24px;align-items:stretch}
.sim-inputs{flex:1 1 260px;max-width:340px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:8px}
.sim-inputs label{font-weight:600;font-size:15px}
.sim-inputs label + .with-unit{margin-bottom:10px}
.with-unit{position:relative}
.with-unit input{width:100%;font:inherit;font-size:18px;font-weight:600;color:var(--ink);padding:12px 90px 12px 14px;border:1px solid var(--line);border-radius:10px;min-height:48px;background:#fff}
.with-unit input:focus{outline:3px solid var(--orange);outline-offset:1px;border-color:var(--blue)}
.with-unit span{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:15px;pointer-events:none}
.sim-hint{font-size:13.5px;color:var(--muted)}
.sim-results{flex:999 1 520px;min-width:0}
.sim-results .stat .v{font-size:clamp(1.6rem,2.4vw,2rem);white-space:nowrap}


/* Guides */
.article{max-width:780px}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--muted)}
.article h1{font-size:clamp(1.9rem,4vw,2.6rem);margin-bottom:14px}
.byline{font-size:14px;color:var(--muted);margin-bottom:28px}
.essentiel{background:var(--soft);border-radius:var(--radius);padding:22px 26px;margin-bottom:36px}
.essentiel strong{font-family:Poppins,sans-serif;font-size:1.05rem}
.essentiel ul{margin:10px 0 0;padding-left:20px}
.essentiel li{margin:6px 0}
.article h2{font-size:1.5rem;margin:40px 0 12px}
.article h3{margin:24px 0 8px}
.article p,.article li{font-size:16.5px;line-height:1.7;color:#1E2F47}
.article p + p{margin-top:12px}
.article ul,.article ol{padding-left:22px}
.article .table-box{margin:18px 0}
.article .note{margin-top:8px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:10px 0;background:#fff}
.faq summary{font-weight:600;cursor:pointer;font-size:16.5px}
.faq details p{margin-top:10px}
.sources{font-size:14px;color:var(--muted)}
.sources li{font-size:14px}
.next-steps{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.cta-band .cta-note{margin:4px 0 0;font-size:14px;color:var(--on-dark)}
.cta-band .cta-note a{color:var(--orange);font-weight:600}