/* ══════════════════════════════════════════════
   FINANOVIA — main.css — Bleu #0A3D8F | Or #C8A400
══════════════════════════════════════════════ */
:root {
  --blue:#0A3D8F; --blue-dk:#072d6b; --blue-lt:#1a56c4;
  --gold:#C8A400; --gold-lt:#e8c200;
  --green:#0F6E56; --red:#A32D2D;
  --dark:#0D1321; --dark2:#111827;
  --text:#1e293b; --text-lt:#64748B;
  --gray-lt:#F1F5FB; --gray-bd:#E2E8F0; --white:#ffffff;
  --radius-sm:8px; --radius:14px; --radius-lg:20px;
  --shadow-sm:0 2px 8px rgba(0,0,0,.08);
  --shadow:0 8px 32px rgba(0,0,0,.12);
  --shadow-lg:0 20px 60px rgba(0,0,0,.18);
  --transition:all .3s cubic-bezier(.4,0,.2,1);
  --font:'Inter','Segoe UI',Arial,sans-serif;
  --container:1200px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:var(--white);line-height:1.65;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:inherit}
ul{list-style:none}
h1{font-size:clamp(2rem,5vw,3.4rem);font-weight:900;line-height:1.1}
h2{font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:800;line-height:1.2}
h3{font-size:clamp(1.1rem,2.5vw,1.4rem);font-weight:700;line-height:1.3}
h4{font-size:1.05rem;font-weight:700}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.container-sm{max-width:800px;margin:0 auto;padding:0 24px}
.container-md{max-width:1000px;margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section-sm{padding:56px 0}
.section-alt{background:var(--gray-lt)}
.section-dark{background:var(--dark);color:var(--white)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.flex-center{display:flex;align-items:center;justify-content:center}
.flex-between{display:flex;align-items:center;justify-content:space-between}
.text-center{text-align:center}
.text-blue{color:var(--blue)}
.text-gold{color:var(--gold)}
.text-white{color:var(--white)}
.text-lt{color:var(--text-lt)}
.mt-2{margin-top:8px}.mt-3{margin-top:14px}.mt-4{margin-top:24px}
.mb-4{margin-bottom:24px}
.section-header{text-align:center;margin-bottom:60px}
.section-header h2{color:var(--dark2);margin-bottom:14px}
.section-header p{color:var(--text-lt);font-size:1.1rem;max-width:580px;margin:0 auto}
.eyebrow{display:inline-block;background:rgba(10,61,143,.08);color:var(--blue);
  font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;
  padding:5px 14px;border-radius:20px;margin-bottom:12px}

/* ── Boutons ── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;
  border-radius:var(--radius-sm);font-weight:700;font-size:.95rem;
  cursor:pointer;border:none;transition:var(--transition);white-space:nowrap}
.btn-primary{background:var(--blue);color:var(--white)}
.btn-primary:hover{background:var(--blue-dk);transform:translateY(-2px);box-shadow:0 8px 24px rgba(10,61,143,.35)}
.btn-gold{background:var(--gold);color:#111}
.btn-gold:hover{background:var(--gold-lt);transform:translateY(-2px);box-shadow:0 8px 24px rgba(200,164,0,.4)}
.btn-outline{background:transparent;color:var(--blue);border:2px solid var(--blue)}
.btn-outline:hover{background:var(--blue);color:var(--white);transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.12);color:var(--white);border:1.5px solid rgba(255,255,255,.3)}
.btn-ghost:hover{background:rgba(255,255,255,.22);transform:translateY(-2px)}
.btn-lg{padding:16px 36px;font-size:1rem}
.btn-sm{padding:9px 18px;font-size:.85rem}
.btn-block{width:100%;justify-content:center}

/* ── Navbar ── */
.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;
  background:rgba(255,255,255,.96);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--gray-bd);transition:var(--transition)}
.navbar.scrolled{box-shadow:var(--shadow-sm)}
.navbar-inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.navbar-logo{display:flex;align-items:center;gap:10px;font-size:1.25rem;font-weight:900;color:var(--blue)}
.navbar-logo img{height:44px;width:auto;object-fit:contain;display:block;max-width:180px}
.navbar-logo span{color:var(--gold)}
.navbar-menu{display:flex;align-items:center;gap:4px}
.navbar-menu a{padding:8px 14px;border-radius:var(--radius-sm);
  font-size:.9rem;font-weight:600;color:var(--text);transition:var(--transition)}
.navbar-menu a:hover,.navbar-menu a.active{color:var(--blue);background:rgba(10,61,143,.06)}
.dropdown{position:relative}
.dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;
  background:var(--white);border:1px solid var(--gray-bd);border-radius:var(--radius);
  box-shadow:var(--shadow);min-width:230px;padding:8px;z-index:100}
.dropdown:hover .dropdown-menu{display:block;animation:fadeDown .2s ease}
.dropdown-menu a{display:flex;align-items:center;gap:10px;padding:10px 14px;
  border-radius:var(--radius-sm);font-size:.88rem}
.dropdown-menu a:hover{background:var(--gray-lt);color:var(--blue)}
.dropdown-arrow{font-size:.65rem;margin-left:2px;opacity:.5;transition:var(--transition)}
.dropdown:hover .dropdown-arrow{transform:rotate(180deg)}
.navbar-cta{display:flex;align-items:center;gap:10px}
.navbar-burger{display:none;flex-direction:column;gap:5px;
  cursor:pointer;padding:6px;background:none;border:none}
.navbar-burger span{display:block;width:24px;height:2.5px;
  background:var(--text);border-radius:2px;transition:var(--transition)}

/* Mobile nav */
.navbar-mobile{display:none;position:fixed;inset:0;background:var(--white);
  z-index:999;padding:80px 24px 24px;flex-direction:column;gap:8px;overflow-y:auto}
.navbar-mobile.open{display:flex;animation:slideRight .3s ease}
.navbar-mobile a{padding:14px 16px;border-radius:var(--radius);
  font-size:1rem;font-weight:600;color:var(--text);border-bottom:1px solid var(--gray-bd)}
.navbar-mobile a:hover{color:var(--blue);background:var(--gray-lt)}
.mobile-close{position:absolute;top:20px;right:20px;background:none;border:none;
  font-size:1.5rem;cursor:pointer;color:var(--text)}

@keyframes fadeDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
@keyframes slideRight{from{opacity:0;transform:translateX(-20px)}to{opacity:1;transform:none}}

/* ── Hero Slider ── */
.hero-slider{position:relative;overflow:hidden;margin-top:72px}
.hero-slide{display:none;position:relative;min-height:calc(100vh - 72px);align-items:center}
.hero-slide.active{display:flex;animation:slideIn .7s ease}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;z-index:0}
.hero-overlay{position:absolute;inset:0;z-index:1}
.hero-inner{position:relative;z-index:2;display:grid;
  grid-template-columns:1fr 1fr;gap:60px;align-items:center;padding:80px 0}
.hero-content{max-width:600px}
.hero-badge{display:inline-flex;align-items:center;gap:6px;
  background:rgba(200,164,0,.2);border:1px solid rgba(200,164,0,.4);
  color:var(--gold);font-size:.8rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.08em;
  padding:6px 14px;border-radius:20px;margin-bottom:20px}
.hero-content h1{color:var(--white);margin-bottom:18px}
.hero-content h1 span{color:var(--gold)}
.hero-content p{color:rgba(255,255,255,.82);font-size:1.1rem;line-height:1.7;margin-bottom:32px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:44px}
.hero-stats{display:flex;gap:32px;flex-wrap:wrap}
.hero-stat-val{font-size:2rem;font-weight:900;color:var(--white);line-height:1}
.hero-stat-lbl{font-size:.78rem;color:rgba(255,255,255,.6);margin-top:3px}
.hero-visual{display:flex;justify-content:center;align-items:center}
.glass-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);
  backdrop-filter:blur(16px);border-radius:20px;padding:28px 32px;max-width:360px;width:100%}

.slider-controls{position:absolute;bottom:28px;left:50%;transform:translateX(-50%);
  display:flex;align-items:center;gap:16px;z-index:10}
.slider-prev,.slider-next{width:40px;height:40px;border-radius:50%;
  background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);
  color:var(--white);cursor:pointer;display:flex;align-items:center;justify-content:center;
  transition:var(--transition)}
.slider-prev:hover,.slider-next:hover{background:rgba(255,255,255,.3)}
.slider-dots{display:flex;gap:8px;align-items:center}
.s-dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.35);
  border:none;cursor:pointer;padding:0;transition:var(--transition)}
.s-dot.active{background:var(--gold);width:26px;border-radius:4px}
@keyframes slideIn{from{opacity:0;transform:translateX(30px)}to{opacity:1;transform:none}}

/* ── Service cards ── */
.service-card{background:var(--white);border:1px solid var(--gray-bd);
  border-radius:var(--radius-lg);padding:32px 28px;
  transition:var(--transition);position:relative;overflow:hidden;height:100%}
.service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--blue),var(--gold));
  transform:scaleX(0);transition:transform .3s ease}
.service-card:hover::before{transform:scaleX(1)}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.service-icon{width:64px;height:64px;border-radius:16px;
  display:flex;align-items:center;justify-content:center;font-size:1.8rem;margin-bottom:20px}
.icon-blue{background:rgba(10,61,143,.1)}
.icon-gold{background:rgba(200,164,0,.1)}
.icon-green{background:rgba(15,110,86,.1)}
.icon-red{background:rgba(163,45,45,.1)}
.icon-purple{background:rgba(88,28,135,.1)}
.service-card h3{color:var(--dark2);margin-bottom:10px}
.service-card p{color:var(--text-lt);font-size:.92rem;line-height:1.6;margin-bottom:18px}
.service-link{color:var(--blue);font-weight:700;font-size:.88rem;
  display:inline-flex;align-items:center;gap:5px;transition:var(--transition)}
.service-link:hover{gap:12px}

/* ── Simulateur ── */
.sim-wrap{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden}
.sim-tabs{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:2px solid var(--gray-bd)}
.sim-tab{padding:18px 10px;text-align:center;cursor:pointer;font-weight:600;
  font-size:.86rem;color:var(--text-lt);transition:var(--transition);border:none;
  background:var(--white);border-bottom:3px solid transparent;margin-bottom:-2px}
.sim-tab.active{color:var(--blue);border-bottom-color:var(--blue);background:rgba(10,61,143,.03)}
.sim-tab:hover:not(.active){color:var(--blue);background:rgba(10,61,143,.02)}
.sim-tab .tab-icon{font-size:1.4rem;display:block;margin-bottom:4px}
.sim-body{display:grid;grid-template-columns:1fr 1fr}
.sim-form{padding:36px 40px;border-right:1px solid var(--gray-bd)}
.sim-result{padding:36px 40px;background:rgba(10,61,143,.03)}
.form-group{margin-bottom:20px}
.form-label{display:block;font-size:.78rem;font-weight:700;color:var(--text-lt);
  text-transform:uppercase;letter-spacing:.05em;margin-bottom:7px}
.form-input{width:100%;padding:13px 16px;border:2px solid var(--gray-bd);
  border-radius:var(--radius-sm);font-size:.95rem;font-weight:600;
  font-family:var(--font);outline:none;transition:border-color .2s;
  color:var(--text);background:var(--white)}
.form-input:focus{border-color:var(--blue)}
.form-select{width:100%;padding:13px 16px;border:2px solid var(--gray-bd);
  border-radius:var(--radius-sm);font-size:.95rem;font-weight:600;
  font-family:var(--font);outline:none;cursor:pointer;
  background:var(--white);color:var(--text);transition:border-color .2s;
  -webkit-appearance:none;appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748B' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center}
.form-select:focus{border-color:var(--blue)}
.form-hint{font-size:.75rem;color:var(--text-lt);margin-top:5px}
.input-icon-wrap{position:relative}
.input-icon-wrap input{padding-right:44px}
.input-suffix{position:absolute;right:14px;top:50%;transform:translateY(-50%);
  font-weight:800;color:var(--blue)}

.sim-result-main{background:var(--blue);border-radius:var(--radius);
  padding:28px 24px;text-align:center;margin-bottom:20px;position:relative;overflow:hidden}
.sim-result-main::after{content:'';position:absolute;bottom:-30px;right:-30px;
  width:100px;height:100px;background:rgba(255,255,255,.05);border-radius:50%}
.sim-result-lbl{font-size:.75rem;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}
.sim-result-val{font-size:2.8rem;font-weight:900;color:var(--white);line-height:1}
.sim-result-sub{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:4px}
.sim-detail-row{display:flex;justify-content:space-between;align-items:center;
  padding:10px 0;border-bottom:1px solid var(--gray-bd);font-size:.88rem}
.sim-detail-row:last-child{border-bottom:none}
.sim-detail-row span{color:var(--text-lt)}
.sim-detail-row strong{font-weight:700;color:var(--text)}
.sim-bar{height:10px;border-radius:5px;overflow:hidden;background:var(--gray-bd);display:flex;margin-bottom:6px}
.sim-bar-k{background:var(--blue);transition:width .5s ease}
.sim-bar-i{background:var(--red);transition:width .5s ease}
.sim-bar-legend{display:flex;justify-content:space-between;font-size:.72rem}

/* ── Stats ── */
.stats-band{background:linear-gradient(135deg,var(--blue),var(--blue-dk))}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{padding:44px 20px;text-align:center;border-right:1px solid rgba(255,255,255,.1)}
.stat-item:last-child{border-right:none}
.stat-val{font-size:2.6rem;font-weight:900;color:var(--gold);line-height:1;margin-bottom:6px}
.stat-lbl{font-size:.85rem;color:rgba(255,255,255,.7)}

/* ── Why cards ── */
.why-card{display:flex;gap:18px;align-items:flex-start;padding:24px;
  border-radius:var(--radius);background:var(--white);border:1px solid var(--gray-bd);
  transition:var(--transition)}
.why-card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:rgba(10,61,143,.2)}
.why-icon{width:50px;height:50px;flex-shrink:0;border-radius:12px;
  background:rgba(10,61,143,.08);display:flex;align-items:center;justify-content:center;font-size:1.3rem}
.why-card h4{color:var(--dark2);margin-bottom:6px}
.why-card p{color:var(--text-lt);font-size:.88rem;line-height:1.6}

/* ── Taux ── */
.rates-table{width:100%;border-collapse:collapse;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.rates-table th{background:var(--blue);color:var(--white);padding:16px 20px;
  text-align:left;font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.rates-table td{padding:14px 20px;font-size:.9rem;border-bottom:1px solid var(--gray-bd)}
.rates-table tr:last-child td{border-bottom:none}
.rates-table tr:nth-child(even) td{background:var(--gray-lt)}
.rates-table tr:hover td{background:rgba(10,61,143,.04)}
.taeg-val{font-weight:800;color:var(--gold);font-size:1rem}

/* ── Témoignages ── */
.temoignage-card{background:var(--white);border:1px solid var(--gray-bd);
  border-radius:var(--radius-lg);padding:28px;transition:var(--transition);position:relative}
.temoignage-card::before{content:'"';position:absolute;top:16px;left:24px;
  font-size:4rem;color:var(--blue);opacity:.1;font-family:Georgia,serif;line-height:1}
.temoignage-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.stars{color:var(--gold);font-size:1rem;margin-bottom:12px;letter-spacing:2px}
.temoignage-text{color:var(--text);line-height:1.7;font-style:italic;margin-bottom:18px;font-size:.95rem}
.temoignage-author{display:flex;align-items:center;gap:12px}
.temoignage-av{width:44px;height:44px;border-radius:50%;background:var(--blue);
  color:var(--white);display:flex;align-items:center;justify-content:center;
  font-weight:800;font-size:1rem;flex-shrink:0}
.temoignage-name{font-weight:700;font-size:.92rem}
.temoignage-role{font-size:.78rem;color:var(--text-lt)}

/* ── CTA ── */
.cta-band{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dk) 60%,#021a46 100%);
  border-radius:var(--radius-lg);padding:70px 60px;text-align:center;
  position:relative;overflow:hidden}
.cta-band::before{content:'';position:absolute;top:-60px;right:-60px;
  width:300px;height:300px;background:rgba(255,255,255,.04);border-radius:50%}
.cta-band h2{color:var(--white);margin-bottom:14px;position:relative;z-index:1}
.cta-band p{color:rgba(255,255,255,.75);font-size:1.05rem;margin-bottom:32px;
  max-width:500px;margin-left:auto;margin-right:auto;position:relative;z-index:1}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative;z-index:1}

/* ── FAQ ── */
.faq-item{border:1px solid var(--gray-bd);border-radius:var(--radius);
  margin-bottom:12px;overflow:hidden;transition:var(--transition)}
.faq-item:hover{border-color:rgba(10,61,143,.25)}
.faq-q{padding:18px 22px;display:flex;justify-content:space-between;align-items:center;
  cursor:pointer;font-weight:700;font-size:.95rem;background:var(--white);transition:var(--transition)}
.faq-q:hover{background:var(--gray-lt)}
.faq-q.open{color:var(--blue);background:rgba(10,61,143,.04)}
.faq-arrow{transition:transform .3s;font-size:.75rem;color:var(--text-lt)}
.faq-q.open .faq-arrow{transform:rotate(180deg);color:var(--blue)}
.faq-a{display:none;padding:0 22px 18px;color:var(--text-lt);
  font-size:.92rem;line-height:1.7;border-top:1px solid var(--gray-bd)}
.faq-a.open{display:block;animation:fadeIn .25s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* ── Contact ── */
.contact-card{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden}
.contact-card-head{background:linear-gradient(135deg,var(--blue),var(--blue-dk));color:var(--white);padding:32px 36px}
.contact-card-head h3{color:var(--white);margin-bottom:6px}
.contact-card-head p{color:rgba(255,255,255,.75);font-size:.92rem}
.contact-card-body{padding:36px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.contact-card .form-group{margin-bottom:18px}
.contact-card .form-group label{display:block;font-size:.82rem;font-weight:700;
  color:var(--text-lt);text-transform:uppercase;letter-spacing:.05em;margin-bottom:7px}
.contact-card textarea{width:100%;padding:13px 16px;border:2px solid var(--gray-bd);
  border-radius:var(--radius-sm);font-family:var(--font);font-size:.95rem;
  color:var(--text);resize:vertical;min-height:120px;outline:none;transition:border-color .2s}
.contact-card textarea:focus{border-color:var(--blue)}
.alert{padding:14px 18px;border-radius:var(--radius-sm);font-size:.9rem;
  margin-bottom:20px;display:flex;align-items:flex-start;gap:10px}
.alert-success{background:#D1FAE5;color:#065F46;border-left:4px solid var(--green)}
.alert-error{background:#FEE2E2;color:#7F1D1D;border-left:4px solid var(--red)}

/* ── Footer ── */
.footer{background:var(--dark);color:var(--white)}
.footer-top{padding:70px 0 48px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px}
.footer-logo{margin-bottom:14px}
.footer-logo img{height:48px;width:auto;object-fit:contain;max-width:160px;filter:brightness(0) invert(1)}
.footer-logo span{color:var(--gold)}
.footer-desc{color:rgba(255,255,255,.55);font-size:.88rem;line-height:1.7;margin-bottom:20px}
.footer-social{display:flex;gap:10px}
.footer-social a{width:36px;height:36px;border-radius:8px;background:rgba(255,255,255,.08);
  color:rgba(255,255,255,.7);display:flex;align-items:center;justify-content:center;
  font-size:.9rem;transition:var(--transition)}
.footer-social a:hover{background:var(--gold);color:var(--dark)}
.footer-col h4{color:var(--white);font-size:.82rem;text-transform:uppercase;letter-spacing:.07em;margin-bottom:16px}
.footer-links{display:flex;flex-direction:column;gap:10px}
.footer-links a{color:rgba(255,255,255,.55);font-size:.88rem;transition:var(--transition)}
.footer-links a:hover{color:var(--gold);padding-left:4px}
.footer-contact-item{display:flex;gap:10px;align-items:flex-start;margin-bottom:12px}
.footer-contact-item .fc-icon{color:var(--gold);flex-shrink:0;margin-top:2px}
.footer-contact-item span{color:rgba(255,255,255,.6);font-size:.85rem;line-height:1.5}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:20px 0;
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px}
.footer-bottom p{color:rgba(255,255,255,.4);font-size:.82rem}
.footer-bottom-links{display:flex;gap:20px}
.footer-bottom-links a{color:rgba(255,255,255,.4);font-size:.82rem;transition:var(--transition)}
.footer-bottom-links a:hover{color:var(--gold)}

#scrollTop{position:fixed;bottom:24px;right:24px;width:44px;height:44px;border-radius:50%;
  background:var(--blue);color:var(--white);border:none;cursor:pointer;font-size:1.1rem;
  box-shadow:var(--shadow);display:none;align-items:center;justify-content:center;
  transition:var(--transition);z-index:100}
#scrollTop.visible{display:flex}
#scrollTop:hover{background:var(--gold);color:var(--dark);transform:translateY(-3px)}

/* ── Responsive ── */
@media(max-width:1024px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .sim-tabs{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  .stats-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .section{padding:60px 0}
  .grid-2,.grid-3,.sim-body{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .hero-inner{grid-template-columns:1fr}
  .hero-visual{display:none}
  .navbar-menu,.navbar-cta{display:none}
  .navbar-burger{display:flex}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .sim-form{border-right:none;border-bottom:1px solid var(--gray-bd);padding:24px}
  .sim-result{padding:24px}
  .cta-band{padding:48px 24px}
  .contact-card-body{padding:24px}
}
@media(max-width:480px){
  .stats-grid{grid-template-columns:1fr 1fr}
  .sim-tabs{grid-template-columns:repeat(2,1fr)}
}

/* ── Bouton WhatsApp flottant ── */
#whatsapp-float{
  position:fixed;bottom:28px;left:24px;
  width:56px;height:56px;border-radius:50%;
  background:#25D366;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 20px rgba(37,211,102,.5);
  z-index:9999;transition:var(--transition);
  text-decoration:none;
}
#whatsapp-float:hover{
  background:#1ebe5d;
  transform:scale(1.1);
  box-shadow:0 6px 28px rgba(37,211,102,.65);
}
#whatsapp-float svg{width:30px;height:30px;fill:#fff}
#whatsapp-bubble{
  position:fixed;bottom:94px;left:24px;
  background:var(--white);border:1px solid var(--gray-bd);
  border-radius:12px;padding:10px 14px;
  font-size:.8rem;font-weight:600;color:var(--text);
  box-shadow:var(--shadow);white-space:nowrap;
  opacity:0;transform:translateY(6px);
  transition:var(--transition);pointer-events:none;z-index:9998;
}
#whatsapp-bubble::after{
  content:'';position:absolute;bottom:-7px;left:18px;
  border:7px solid transparent;border-top:7px solid var(--white);
}
#whatsapp-float:hover ~ #whatsapp-bubble,
#whatsapp-bubble:hover{opacity:1;transform:translateY(0)}

/* ── Drapeaux langue ── */
.lang-flags{display:flex;align-items:center;gap:4px;margin-left:6px;
  padding-left:10px;border-left:1px solid var(--gray-bd)}
.lang-flag{font-size:1.2rem;padding:4px 5px;border-radius:6px;
  transition:var(--transition);text-decoration:none;line-height:1;
  border:2px solid transparent;cursor:pointer}
.lang-flag:hover{background:var(--gray-lt);transform:scale(1.15)}
.lang-flag.active{border-color:var(--gold);background:rgba(200,164,0,.1)}

/* ── Dropdown amélioré — délai avant fermeture ── */
.dropdown{position:relative}
.dropdown-menu{
  display:none;
  position:absolute;top:calc(100% + 6px);left:50%;
  transform:translateX(-50%);
  background:var(--white);
  border:1px solid var(--gray-bd);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  min-width:240px;padding:8px;
  z-index:200;
  animation:fadeDown .18s ease;
}
.dropdown-menu.open{display:block}
.dropdown-menu a{display:flex;align-items:center;gap:10px;padding:10px 14px;
  border-radius:var(--radius-sm);font-size:.88rem;color:var(--text);
  transition:var(--transition);white-space:nowrap}
.dropdown-menu a:hover{background:var(--gray-lt);color:var(--blue)}
.dropdown-arrow{font-size:.65rem;margin-left:3px;opacity:.5;
  display:inline-block;transition:transform .2s}
.dropdown.open .dropdown-arrow{transform:rotate(180deg)}

/* ── Accordéon mobile ── */
.mobile-accordion{border-bottom:1px solid var(--gray-bd)}
.mobile-acc-head{display:flex;align-items:center;justify-content:space-between;
  padding:14px 16px;font-size:.95rem;font-weight:700;color:var(--text);
  cursor:pointer;user-select:none}
.mobile-acc-head:hover{color:var(--blue);background:var(--gray-lt)}
.mob-arrow{font-size:.7rem;opacity:.5;transition:transform .25s}
.mobile-accordion.open .mob-arrow{transform:rotate(180deg)}
.mobile-acc-body{display:none;padding:4px 0 8px 16px}
.mobile-accordion.open .mobile-acc-body{display:block;animation:fadeIn .2s ease}
.mobile-acc-body a{display:block;padding:9px 14px;font-size:.88rem;
  color:var(--text-lt);border-radius:var(--radius-sm);
  transition:var(--transition)}
.mobile-acc-body a:hover{color:var(--blue);background:var(--gray-lt);padding-left:18px}