/* ============================================================
   bilan-previsionnel.fr — feuille de style unique, légère.
   Palette alignée sur l'écosystème : marine / bleu ciel / or.
   ============================================================ */
:root{
  --navy:#0b2e6b; --navy-2:#0a2552; --ciel:#1565d8; --ciel-2:#2f7be8;
  --or:#f6b429; --or-2:#e8a013; --or-soft:#f6d468;
  --ink:#14233d; --muted:#5a6b85; --line:#e4eaf3; --bg:#ffffff; --bg-soft:#f4f7fc;
  --radius:16px; --radius-lg:28px; --maxw:1140px;
  --shadow:0 10px 30px rgba(11,46,107,.10); --shadow-lg:0 24px 60px rgba(11,46,107,.16);
  --font:"Poppins","Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--ciel);text-decoration:none}
h1,h2,h3{line-height:1.15;margin:0 0 .4em;color:var(--navy);font-weight:700}
h1{font-size:clamp(2rem,5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3.5vw,2.5rem)}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.section{padding:clamp(48px,7vw,90px) 0}
.section--soft{background:var(--bg-soft)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--or-2);margin-bottom:.9rem}
.eyebrow::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--or);display:inline-block}
.lead{font-size:1.12rem;color:var(--muted);max-width:62ch}
.center{text-align:center}.center .lead{margin-inline:auto}

/* boutons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:1rem;padding:.9rem 1.6rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn--or{background:linear-gradient(135deg,var(--or),var(--or-2));color:#fff;box-shadow:0 8px 22px rgba(232,160,19,.35)}
.btn--ciel{background:var(--ciel);color:#fff;box-shadow:0 8px 22px rgba(21,101,216,.3)}
.btn--ghost{background:transparent;border-color:rgba(255,255,255,.6);color:#fff}
.btn--navy{background:var(--navy);color:#fff}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(11,46,107,.92);backdrop-filter:saturate(1.3) blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.7rem 20px;max-width:var(--maxw);margin:0 auto}
.nav__logo img{height:46px;width:auto}
.nav__links{display:flex;align-items:center;gap:1.4rem;list-style:none;margin:0;padding:0}
.nav__links a{color:#eaf1ff;font-weight:500;font-size:.98rem}
.nav__links a:hover{color:var(--or-soft)}
.nav__cta{padding:.55rem 1.1rem}
.nav__burger{display:none;background:none;border:0;cursor:pointer;padding:6px}
.nav__burger span{display:block;width:26px;height:3px;background:#fff;margin:5px 0;border-radius:3px;transition:.25s}

/* hero */
.hero{position:relative;background:linear-gradient(120deg,var(--navy) 0%,var(--navy) 45%,var(--ciel) 120%);color:#fff;overflow:hidden}
.hero__blob{position:absolute;inset:auto -10% -40% auto;width:60vw;height:60vw;max-width:720px;max-height:720px;background:radial-gradient(circle at 30% 30%,var(--or-soft),var(--or) 70%);border-radius:48% 52% 60% 40%/50% 45% 55% 50%;opacity:.16;filter:blur(2px)}
.hero__grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center;padding:clamp(48px,8vw,96px) 0}
.hero h1{color:#fff}
.hero__sub{font-size:1.2rem;color:#d7e4fb;margin-bottom:1.8rem;max-width:42ch}
.hero__cta{display:flex;gap:.8rem;flex-wrap:wrap}
.hero__media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg)}
.hero__facts{display:flex;gap:1.6rem;flex-wrap:wrap;margin-top:2rem;font-size:.92rem;color:#cfe0fb}
.hero__facts b{display:block;font-size:1.5rem;color:var(--or-soft)}

/* grilles de cartes */
.grid{display:grid;gap:1.4rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card__ico{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--ciel),var(--navy));color:#fff;margin-bottom:1rem}
.card h3{color:var(--navy)}
.card .price{font-size:1.9rem;font-weight:700;color:var(--ciel);margin:.2rem 0}
.card .price small{font-size:.9rem;color:var(--muted);font-weight:500}

/* listes à puces check */
.checks{list-style:none;margin:1.2rem 0;padding:0;display:grid;gap:.6rem}
.checks li{position:relative;padding-left:1.9rem;color:var(--ink)}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;border-radius:50%;background:var(--ciel);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='white'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E");background-size:80%;background-repeat:no-repeat;background-position:center}

/* split (texte + image) */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.split__media img{border-radius:var(--radius-lg);box-shadow:var(--shadow)}

/* bandeau or */
.band{background:linear-gradient(120deg,var(--navy),var(--ciel));color:#fff;border-radius:var(--radius-lg);padding:clamp(2rem,5vw,3.4rem);text-align:center;box-shadow:var(--shadow-lg)}
.band h2{color:#fff}
.band p{color:#e3ecfd}

/* partenaires */
.partners{display:flex;flex-wrap:wrap;gap:2.4rem;align-items:center;justify-content:center;opacity:.85}
.partners img{height:42px;width:auto;filter:grayscale(1);opacity:.7;transition:.2s}
.partners img:hover{filter:none;opacity:1}

/* témoignages */
.quote{background:#fff;border:1px solid var(--line);border-left:4px solid var(--or);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.quote p{font-style:italic;color:var(--ink)}
.quote .who{font-weight:600;color:var(--navy);font-style:normal;margin-top:.6rem}

/* articles */
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .18s}
.post:hover{transform:translateY(-4px)}
.post img{aspect-ratio:3/2;object-fit:cover}
.post__body{padding:1.2rem 1.3rem 1.5rem}
.post__body h3{font-size:1.05rem}

/* formulaire */
.form{display:grid;gap:1rem;max-width:620px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form label{font-weight:600;font-size:.9rem;color:var(--navy);display:block;margin-bottom:.3rem}
.form input,.form select,.form textarea{width:100%;padding:.8rem 1rem;border:1px solid var(--line);border-radius:12px;font:inherit;background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--ciel);border-color:var(--ciel)}
.form textarea{min-height:130px;resize:vertical}
.form .hp{position:absolute;left:-9999px}
.form__status{font-weight:600}
.form__status.ok{color:#128a4b}.form__status.err{color:#c0392b}

/* footer */
.site-foot{background:var(--navy-2);color:#c6d4ee;padding:3.5rem 0 1.5rem}
.foot__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.site-foot h4{color:#fff;font-size:1rem;margin:0 0 1rem}
.site-foot a{color:#c6d4ee}.site-foot a:hover{color:var(--or-soft)}
.site-foot ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem;font-size:.95rem}
.foot__logo img{height:52px;margin-bottom:1rem}
.foot__legal{border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.2rem;font-size:.85rem;color:#8fa6cc;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.6rem}
.soc{display:flex;gap:.8rem;margin-top:1rem}
.soc a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff}
.soc a:hover{background:var(--or);color:var(--navy)}

/* divers */
.mt{margin-top:1.4rem}.tac{text-align:center}
.prose{max-width:75ch;margin:0 auto}
.prose h2{margin-top:2rem}.prose h3{margin-top:1.5rem}
.breadcrumb{font-size:.85rem;color:var(--muted);padding:1rem 0}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--ciel));color:#fff;padding:clamp(40px,6vw,70px) 0}
.page-hero h1{color:#fff;margin:0}
.page-hero p{color:#d7e4fb;margin:.6rem 0 0}

/* responsive */
@media(max-width:900px){
  .hero__grid,.split{grid-template-columns:1fr}
  .hero__media{order:-1}
  .grid-3{grid-template-columns:1fr 1fr}
  .foot__grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .nav__links{position:fixed;inset:64px 0 auto 0;flex-direction:column;background:var(--navy);padding:1.2rem;gap:1rem;transform:translateY(-120%);transition:transform .25s;box-shadow:var(--shadow-lg)}
  .nav__links.open{transform:translateY(0)}
  .nav__burger{display:block}
  .grid-3,.grid-2,.form .row,.foot__grid{grid-template-columns:1fr}
}