/* Polices hebergees localement - aucune requete Google Fonts */
@font-face{font-family:'DM Sans';src:url('fonts/dm-sans-variable.woff2') format('woff2');font-style:normal;font-weight:100 1000;font-display:swap}
@font-face{font-family:'Manrope';src:url('fonts/manrope-variable.woff2') format('woff2');font-style:normal;font-weight:200 800;font-display:swap}
:root{--navy:#10253b;--deep:#091b2c;--gold:#c7a16c;--light:#f4f7f8;--text:#33465a}*{box-sizing:border-box}body{margin:0;font-family:'DM Sans',Arial,sans-serif;color:var(--text);line-height:1.65}h1,h2,h3{font-family:Manrope,Arial,sans-serif;color:var(--navy);line-height:1.2}h1{font-size:clamp(2.35rem,5vw,4.4rem);letter-spacing:-.045em;margin:14px 0 22px}h2{font-size:clamp(1.8rem,3vw,2.7rem);letter-spacing:-.035em}a{color:inherit;text-decoration:none}.container{max-width:1160px;margin:auto;padding:0 24px}.top{background:var(--deep);color:#d8e0e7;font-size:12px;padding:8px 0}.top .container{display:flex;justify-content:space-between;gap:10px}.header{background:#fff;position:sticky;top:0;z-index:10;border-bottom:1px solid #e5eaed}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:86px}.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}.mark{border:2px solid var(--gold);color:var(--navy);width:52px;height:52px;display:grid;place-items:center;font:800 23px Manrope;letter-spacing:-4px;padding-right:4px}.brand strong{display:block;color:var(--navy);font:800 15px Manrope;letter-spacing:.08em}.brand small{display:block;color:#94744e;font-size:10px;letter-spacing:.22em}.nav{display:flex;gap:17px;align-items:center;flex-wrap:wrap}.nav a{font-size:12px;font-weight:700}.nav a:hover,.nav a.active{color:#a27a49}.btn{display:inline-block;background:var(--gold);color:var(--deep);border:0;padding:15px 24px;border-radius:4px;font-weight:800;cursor:pointer;font-size:14px}.btn:hover{background:#ddba89}.btn.outline{background:transparent;border:1px solid #bfc9d2;color:var(--navy)}.hero{background:linear-gradient(105deg,#0b2034 0%,#153450 65%,#1c4059 100%);color:#fff;padding:100px 0;position:relative;overflow:hidden}.hero:after{content:'';position:absolute;right:-120px;top:-170px;width:560px;height:560px;border:1px solid #ffffff28;border-radius:50%;box-shadow:0 0 0 75px #ffffff08,0 0 0 155px #ffffff06}.hero .container{position:relative;z-index:1}.hero h1{color:#fff;max-width:790px}.hero p{max-width:630px;color:#d7e3ed;font-size:18px}.eyebrow{color:var(--gold);font-size:12px;letter-spacing:.19em;font-weight:800;text-transform:uppercase}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}.hero .btn.outline{color:#fff;border-color:#90a0af}.trust{background:#fff;border-bottom:1px solid #e8ecef}.trust .container{display:flex;justify-content:space-between;gap:25px;padding-top:23px;padding-bottom:23px;flex-wrap:wrap;font-weight:700;font-size:13px;color:#42566b}.trust span:before{content:'✓';color:#b48a57;margin-right:9px}.section{padding:85px 0}.section.soft{background:var(--light)}.intro{max-width:760px;margin-bottom:36px}.intro p{font-size:17px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;padding:32px;border:1px solid #e5ebef;border-radius:8px;box-shadow:0 12px 35px #10253b08}.card .num{color:#b18a5a;font:800 14px Manrope;letter-spacing:.12em}.card h3{font-size:20px;margin:17px 0 10px}.card p{font-size:14px}.more{color:#947047;font-weight:800;font-size:13px}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.panel{background:var(--navy);color:#e2e9ef;padding:50px;border-radius:8px}.panel h2{color:#fff}.panel li{margin:12px 0}.cta{background:var(--deep);color:#fff;text-align:center;padding:75px 20px}.cta h2{color:#fff}.cta p{color:#d5e0e9}.pagehero{background:#102b43;color:#dce7ee;padding:75px 0}.pagehero h1{color:#fff;font-size:clamp(2.2rem,4vw,3.6rem);max-width:850px}.pagehero p{max-width:760px;font-size:18px}.copy{max-width:830px}.copy p,.copy li{font-size:17px}.copy li{margin:9px 0}.notice{padding:18px 22px;border-left:3px solid var(--gold);background:#f8f6f1;font-size:13px;margin-top:30px}.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:38px}.contact-box{background:var(--navy);color:#fff;padding:35px;border-radius:8px}.contact-box h2{color:#fff}.contact-box a{color:#e4c497}.form{display:grid;gap:13px}.form label{font-size:13px;font-weight:800}.form input,.form select,.form textarea{width:100%;border:1px solid #ccd5dc;border-radius:4px;padding:13px;font:inherit}.form textarea{min-height:115px}.form .check{display:flex;align-items:flex-start;gap:10px;font-size:12px;font-weight:400}.form .check input{width:auto;margin-top:5px}.footer{background:#081a2a;color:#c1cbd3;padding:55px 0 22px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footer h3{color:#fff;font-size:16px}.footer a{display:block;margin:7px 0;font-size:13px}.footer p{font-size:13px}.legal{border-top:1px solid #ffffff22;margin-top:30px;padding-top:20px;font-size:11px;color:#9aabb8}.menu-btn{display:none;background:transparent;border:1px solid #ccd5dc;padding:10px;font-size:20px}.highlight{color:#e2b779}@media(max-width:1050px){.menu-btn{display:block}.nav{display:none;position:absolute;top:86px;left:0;right:0;background:white;padding:24px;box-shadow:0 15px 25px #0002;flex-direction:column;align-items:flex-start}.nav.open{display:flex}}@media(max-width:720px){.cards,.split,.contact-grid,.footer-grid{grid-template-columns:1fr}.hero{padding:75px 0}.section{padding:58px 0}.panel{padding:30px}.top .container{flex-direction:column}.trust .container{display:grid;gap:12px}}
/* Identité CR Courtage : bleu nuit, or et photographie */
:root{--navy:#08254a;--deep:#04182f;--gold:#d6a526;--light:#f7f8fa}
.header-inner{min-height:108px}.brand-logo{display:block;width:205px;max-height:96px;object-fit:contain;object-position:left center}.footer .brand-logo{width:220px;background:#fff;border-radius:7px;padding:7px}.nav a{font-size:11.5px}.photo-hero{background-image:linear-gradient(90deg,rgba(4,22,43,.96) 0%,rgba(4,22,43,.88) 44%,rgba(4,22,43,.38) 100%),var(--hero-photo);background-position:center;background-size:cover;min-height:560px;display:flex;align-items:center}.photo-hero:after{display:none}.photo-pagehero{background-image:linear-gradient(90deg,rgba(4,22,43,.95),rgba(4,22,43,.65)),var(--hero-photo);background-position:center;background-size:cover;min-height:325px;display:flex;align-items:center}.hero h1{max-width:720px}.card{padding:0;overflow:hidden;transition:transform .2s,box-shadow .2s}.card:hover{transform:translateY(-4px);box-shadow:0 20px 42px #10253b1c}.card-image{height:160px;background-color:#d9e1e7;background-position:center;background-size:cover}.card .num,.card h3,.card p,.card .more{display:block;margin-left:26px;margin-right:26px}.card .num{margin-top:24px}.card .more{margin-bottom:27px}.btn{border-radius:30px}.trust{box-shadow:0 4px 18px #061c310b}.section.soft{background:#f7f8fb}@media(max-width:1050px){.nav{top:108px}}@media(max-width:720px){.brand-logo{width:175px}.photo-hero{min-height:520px;background-image:linear-gradient(90deg,rgba(4,22,43,.93),rgba(4,22,43,.68)),var(--hero-photo)}.card-image{height:190px}}

/* Version 3 : cartes équilibrées et lisibles */
.image-cards{grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch;gap:24px}
.image-cards .card{display:flex;flex-direction:column;min-width:0;height:100%;border-radius:15px}
.image-cards .card-image{flex:none;width:100%;height:190px;background-size:cover;background-position:center}
.image-cards .card .num{margin-top:22px}
.image-cards .card h3{margin-top:12px;margin-bottom:10px;min-height:2.4em}
.image-cards .card p{margin-top:0;margin-bottom:20px;line-height:1.65;flex:1}
.image-cards .card .more{margin-top:auto;padding-top:8px}
@media(max-width:980px){.image-cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.image-cards{grid-template-columns:1fr}.image-cards .card-image{height:220px}.image-cards .card h3{min-height:0}}

/* PREMIUM V4 */
:root{--navy:#09284a;--deep:#061a31;--gold:#d5a52c;--cream:#fbf8f2;--ink:#183047}
html{scroll-behavior:smooth}body{background:#fff}h1,h2,h3{letter-spacing:-.045em}h2 em,h1 em{font-family:Georgia,serif;font-weight:400;color:#d6aa42}a:focus-visible,button:focus-visible{outline:3px solid #d6aa42;outline-offset:3px}
.header{box-shadow:0 4px 30px #10253b0b}.header-inner{min-height:100px}.brand-logo{width:190px}.nav{gap:15px}.nav a{font-size:11px}.btn{border-radius:40px;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}
.premium-hero{position:relative;min-height:680px;background:#071d36;color:#fff;overflow:hidden;display:flex;align-items:center}.premium-hero-photo{position:absolute;inset:0 0 0 38%;background:url('images/accueil.jpg') center 53%/cover no-repeat}.premium-hero:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#071c34 0%,#071c34 30%,rgba(7,28,52,.94) 43%,rgba(7,28,52,.28) 75%,rgba(7,28,52,.12) 100%)}.premium-hero-inner{position:relative;z-index:1;width:100%;padding-top:100px;padding-bottom:100px}.premium-hero-copy{max-width:650px}.premium-hero h1{color:white;font-size:clamp(3rem,5.3vw,5.4rem);line-height:1.08;margin:22px 0 24px}.premium-hero h1 em{display:block;font-style:italic}.premium-hero p{color:#e0e8ee;font-size:18px;line-height:1.8;max-width:555px}.btn-glass{background:rgba(255,255,255,.09)!important;color:white!important;border:1px solid #ffffff88!important;backdrop-filter:blur(5px)}.hero-signature{display:flex;align-items:center;gap:16px;margin-top:50px;font-weight:700;color:white}.hero-signature small{display:block;font-size:12px;font-weight:400;color:#bfcbd8}.signature-line{width:44px;height:1px;background:var(--gold)}
.premium-proof{background:var(--cream);border-bottom:1px solid #ede8df}.proof-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding-top:28px;padding-bottom:28px}.proof-grid>div{display:grid;grid-template-columns:42px 1fr;column-gap:12px;align-items:center}.proof-icon{grid-row:span 2;font-size:26px;color:#bd9133}.proof-grid strong{font-size:14px;color:var(--navy)}.proof-grid small{font-size:12px;color:#667481}
.premium-services{background:#fff}.premium-heading{display:flex;justify-content:space-between;align-items:end;gap:60px;margin-bottom:44px}.premium-heading h2{font-size:clamp(2.2rem,3.6vw,3.5rem);margin:14px 0 0}.premium-heading h2 em,.about-copy h2 em,.center-heading h2 em{color:#b38b43}.premium-heading>p{max-width:365px;margin:0 0 7px}.feature-card{display:grid;grid-template-columns:1.05fr 1fr;border-radius:20px;overflow:hidden;background:#f5f7f8;min-height:470px;box-shadow:0 16px 45px #08254a0c}.feature-image{background:url('images/regroupement.jpg') center/cover no-repeat}.feature-content{padding:55px clamp(28px,5vw,75px)}.feature-content h3{font-size:clamp(2rem,3.4vw,3.3rem);margin:15px 0}.feature-content p{font-size:16px}.feature-content ul{padding-left:20px;margin:22px 0 26px}.feature-content li{margin:9px 0;font-size:14px}.text-link{display:inline-flex;gap:16px;align-items:center;color:#987026;font-weight:800;font-size:13px}.premium-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:25px}.premium-service-card{border:1px solid #e6ebee;border-radius:17px;overflow:hidden;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}.premium-service-card:hover{transform:translateY(-5px);box-shadow:0 18px 40px #08254a1a}.premium-service-photo{height:230px;background-size:cover;background-position:center}.photo-home{background-image:url('images/hypothecaire.jpg')}.photo-senior{background-image:url('images/pret-viager.jpg')}.photo-project{background-image:url('images/financement-projets.jpg')}.premium-service-text{padding:29px;display:flex;flex-direction:column;flex:1}.premium-service-text h3{font-size:23px;margin:12px 0 8px}.premium-service-text p{font-size:14px;margin:0 0 23px;flex:1}.premium-service-text .text-link{margin-top:auto}
.premium-about{background:#f8f5ee;padding:90px 0}.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:center}.about-photo{height:520px;border-radius:20px;background:url('images/accompagnement.jpg') center/cover;position:relative}.about-note{position:absolute;right:-30px;bottom:30px;max-width:290px;background:var(--navy);color:#fff;padding:28px;font:italic 21px Georgia,serif;line-height:1.4;border-radius:12px}.about-copy h2{font-size:clamp(2.2rem,3.4vw,3.5rem)}.about-copy p{font-size:16px;line-height:1.85}.about-copy .btn{margin-top:15px}.center-heading{text-align:center;margin-bottom:45px}.center-heading h2{font-size:clamp(2.2rem,3.5vw,3.3rem)}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.steps-grid>div{border-top:1px solid #d9e0e5;padding:28px 12px 12px 0}.steps-grid span{color:#c2953b;font:700 34px Georgia,serif}.steps-grid h3{font-size:22px;margin:16px 0 10px}.steps-grid p{font-size:15px}.partner-strip{background:linear-gradient(110deg,#082848,#0b3a60);color:#fff;padding:65px 0}.partner-strip-inner{display:flex;justify-content:space-between;gap:40px;align-items:center}.partner-strip h2{color:#fff;margin:12px 0}.partner-strip p{color:#cbd9e5;margin:0}.btn-light{background:#fff;color:var(--navy);white-space:nowrap}.cta{background:#061b32}.footer .brand-logo{width:200px}.footer a:hover{color:#e0b85b}
@media(max-width:1050px){.nav{top:100px}.premium-hero{min-height:620px}.premium-hero-photo{left:20%}.premium-hero:after{background:linear-gradient(90deg,#071c34 0%,rgba(7,28,52,.95) 43%,rgba(7,28,52,.35) 100%)}}
@media(max-width:760px){.premium-hero{min-height:610px}.premium-hero-photo{left:0;opacity:.65}.premium-hero:after{background:linear-gradient(90deg,rgba(7,28,52,.96),rgba(7,28,52,.75))}.premium-hero-inner{padding-top:75px;padding-bottom:75px}.premium-hero h1{font-size:clamp(2.8rem,10vw,4rem)}.premium-proof .proof-grid{grid-template-columns:1fr;gap:22px}.premium-heading{display:block}.premium-heading>p{max-width:600px;margin-top:22px}.feature-card,.about-grid{grid-template-columns:1fr}.feature-image{min-height:280px}.feature-content{padding:34px}.premium-card-grid,.steps-grid{grid-template-columns:1fr}.premium-service-photo{height:240px}.premium-about{padding:60px 0}.about-photo{height:340px}.about-note{right:15px;bottom:15px;max-width:235px;font-size:18px}.partner-strip-inner{display:block}.partner-strip .btn{margin-top:26px}.top .container{gap:2px}.hero-actions{gap:10px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Pages intérieures Premium V5 */
.interior-hero{position:relative;min-height:525px;display:flex;align-items:center;color:white;background:#071c34;isolation:isolate;overflow:hidden}
.interior-hero:before{content:"";position:absolute;inset:0;background:var(--interior-photo) center/cover no-repeat;z-index:-2}
.interior-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,23,44,.98) 0%,rgba(4,23,44,.92) 40%,rgba(4,23,44,.46) 77%,rgba(4,23,44,.24) 100%);z-index:-1}
.interior-hero-inner{width:100%;padding-top:80px;padding-bottom:80px}.interior-hero-copy{max-width:700px}.interior-hero h1{color:white;font-size:clamp(2.6rem,4.7vw,4.65rem);line-height:1.12;margin:20px 0}.interior-hero p{font-size:18px;line-height:1.8;color:#e4ebf0;max-width:610px}.interior-hero .hero-actions{margin-top:30px}
.interior-split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,7vw,100px);align-items:center}.interior-copy h2{font-size:clamp(2.1rem,3.5vw,3.4rem);margin:18px 0}.interior-copy p{font-size:17px;line-height:1.9;margin-bottom:26px}.interior-benefits{background:var(--cream);border:1px solid #f0e9db;border-radius:22px;padding:clamp(26px,4vw,50px);box-shadow:0 18px 55px #09284a0b}.interior-benefits h3{font-size:26px;margin:14px 0 25px}.benefit{display:flex;align-items:flex-start;gap:16px;padding:15px 0;border-top:1px solid #e8e0d2}.benefit p{margin:0;font-size:15px}.benefit-check{background:#e8d6ab;color:#7e601f;border-radius:50%;height:30px;width:30px;flex:none;display:grid;place-items:center;font-weight:800}
.interior-steps{background:#f5f8fa}.interior-steps .center-heading{max-width:730px;margin-left:auto;margin-right:auto}.interior-banner{background:linear-gradient(115deg,#061a31,#123f62);color:white;padding:70px 0}.interior-banner-grid{display:flex;justify-content:space-between;align-items:center;gap:50px}.interior-banner h2{color:white;font-size:clamp(2rem,3vw,3rem);max-width:650px;margin:12px 0}.interior-banner p{color:#d5e1eb}.banner-phone{font-size:14px;text-align:center}.banner-phone a{text-decoration:underline;color:#f1d490}.interior-notice{margin-top:35px;margin-bottom:50px;border-radius:5px}.contact-hero{min-height:380px}.contact-reassurance{display:flex;gap:20px;flex-wrap:wrap;margin-top:25px;color:#f0d89c;font-size:13px;font-weight:700}
@media(max-width:760px){.interior-hero{min-height:480px}.interior-hero:after{background:linear-gradient(90deg,rgba(4,23,44,.96),rgba(4,23,44,.75))}.interior-hero-inner{padding-top:65px;padding-bottom:65px}.interior-split{grid-template-columns:1fr}.interior-banner-grid{display:block}.interior-banner-grid>.container{width:100%}.interior-banner .btn{margin-top:15px}.banner-phone{text-align:left}}

/* Visuel dédié aux seniors — page prêt viager hypothécaire */
body:has(.viager-seniors) .interior-hero:before{background-size: auto 100%;background-position:right center;background-color:#071c34;}
body:has(.viager-seniors) .interior-hero:after{background:linear-gradient(90deg,#071c34 0%,rgba(7,28,52,.97) 35%,rgba(7,28,52,.45) 64%,rgba(7,28,52,.06) 100%)}
@media(max-width:760px){body:has(.viager-seniors) .interior-hero:before{background-size:cover;background-position:65% center}body:has(.viager-seniors) .interior-hero:after{background:linear-gradient(90deg,rgba(7,28,52,.96),rgba(7,28,52,.70))}}