/* ============================================================
   UkaStore — Feuille de style principale
   Vitrine fintech premium (cartes virtuelles) — CSS pur, zéro framework
   ============================================================ */

/* ---------- Variables & reset ---------- */
:root{
  --ink:#0D1B2E;
  --bg:#F5F7FB;
  --card:#ffffff;
  --line:#E4E9F2;
  --pri:#1E6BFF;
  --grad:linear-gradient(135deg,#1E6BFF,#00C2FF);
  --gold:#F5B301;
  --red:#F5472D;
  --green:#16A34A;
  --shadow:0 6px 24px rgba(13,27,46,.08);
  --shadow-lg:0 18px 48px rgba(13,27,46,.14);
  --radius:18px;
  --muted:#5B6676;
  --muted-2:#8A93A5;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}

body{
  font-family:-apple-system,"PingFang SC","Hiragino Sans GB","Microsoft YaHei","Noto Sans SC",sans-serif;
  background:var(--bg);
  color:var(--ink);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
button{font:inherit;border:none;background:none;cursor:pointer}
summary{cursor:pointer}

/* ---------- Structure de base ---------- */
.container{max-width:1180px;margin:0 auto;padding:0 20px}

/* ---------- Barre de navigation ---------- */
header.topbar{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.88);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  border-bottom:1px solid var(--line);
  box-shadow:0 2px 12px rgba(13,27,46,.05);
}
.top-in{display:flex;align-items:center;gap:22px;height:66px}

a.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:var(--ink);flex-shrink:0}
.logo-badge{
  width:38px;height:38px;border-radius:11px;
  background:var(--grad);
  color:#fff;font-size:20px;font-weight:800;
  display:inline-flex;align-items:center;justify-content:center;
  box-shadow:0 4px 12px rgba(30,107,255,.35);
  flex-shrink:0;
}
.brand-t{display:flex;flex-direction:column;line-height:1.2}
.brand-t i{font-style:normal;font-size:11px;color:var(--muted-2);font-weight:500;letter-spacing:.4px}

nav.nav{display:flex;align-items:center;gap:24px}
nav.nav>ul,nav.nav>li{list-style:none}
nav.nav ul{display:flex;align-items:center;gap:24px}
nav.nav a{font-size:15px;color:#38445A;font-weight:500;transition:color .2s}
nav.nav a:hover{color:var(--pri)}
nav.nav a.on{color:var(--pri);font-weight:700;position:relative}
nav.nav a.on::after{
  content:"";position:absolute;left:0;right:0;bottom:-6px;
  height:3px;border-radius:2px;background:var(--grad);
}

/* Menu déroulant */
.has-drop{position:relative}
.has-drop>.drop{
  position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(8px);
  min-width:220px;background:#fff;border:1px solid var(--line);
  border-radius:14px;box-shadow:var(--shadow-lg);
  padding:10px;opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .22s ease,transform .22s ease,visibility .22s;
  display:flex;flex-direction:column;z-index:110;
}
.has-drop:hover>.drop{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.drop a{
  display:block;padding:10px 14px;border-radius:9px;
  font-size:14px;color:#38445A;transition:background .18s,color .18s;
}
.drop a i{display:block;font-style:normal;font-size:12px;color:var(--muted-2);margin-top:2px}
.drop a:hover{background:rgba(30,107,255,.06);color:var(--pri)}

.nav-cta{display:flex;gap:10px;margin-left:auto;align-items:center}

/* Bouton burger (mobile) */
button.nav-toggle{
  display:none;margin-left:auto;
  width:42px;height:42px;border-radius:10px;
  border:1px solid var(--line);background:#fff;
  align-items:center;justify-content:center;
  font-size:20px;color:var(--ink);line-height:1;
}

/* ---------- Boutons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 26px;border-radius:12px;
  font-weight:600;font-size:15px;line-height:1.3;
  cursor:pointer;text-align:center;
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease,background .2s ease,color .2s ease;
}
.btn-primary{
  background:var(--grad);color:#fff;border:none;
  box-shadow:0 6px 18px rgba(30,107,255,.35);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(30,107,255,.45);color:#fff}
.btn-ghost{
  background:transparent;border:1.5px solid var(--line);color:var(--ink);
}
.btn-ghost:hover{border-color:var(--pri);color:var(--pri);transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--pri);border:none;box-shadow:0 6px 18px rgba(13,27,46,.18)}
.btn-light:hover{transform:translateY(-2px);color:var(--pri)}
.btn-s{padding:8px 16px;font-size:14px;border-radius:10px}
.btn-lg{padding:15px 34px;font-size:17px;border-radius:14px}
.btn-block{width:100%;justify-content:center}

/* ---------- Hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:linear-gradient(160deg,#0B1526 0%,#0E2A5C 55%,#1253B8 100%);
  color:#fff;
  padding:90px 0 110px;
}
/* halo décoratif du hero */
.hero::before{
  content:"";position:absolute;width:620px;height:620px;border-radius:50%;
  background:radial-gradient(rgba(0,194,255,.22),transparent 70%);
  top:-220px;right:-140px;pointer-events:none;
}
.hero::after{
  content:"";position:absolute;width:420px;height:420px;border-radius:50%;
  background:radial-gradient(rgba(245,179,1,.12),transparent 70%);
  bottom:-200px;left:-120px;pointer-events:none;
}
.hero-inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1.05fr .95fr;
  align-items:center;gap:40px;
}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap}
.badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.25);
  color:#fff;border-radius:999px;
  font-size:13px;padding:6px 14px;font-weight:500;
}
.badge-gold{
  background:rgba(245,179,1,.18);
  border-color:rgba(245,179,1,.55);
  color:#FFD66B;
}
.hero h1{
  font-size:clamp(34px,4.5vw,54px);
  line-height:1.15;margin:18px 0;font-weight:800;letter-spacing:.5px;
}
.hl{
  background:linear-gradient(90deg,#FFD66B,#F5B301);
  -webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;color:transparent;
}
.hero-sub{
  color:rgba(255,255,255,.82);
  font-size:17px;line-height:1.8;max-width:520px;
}
.hero-cta{display:flex;gap:14px;margin:28px 0 36px;flex-wrap:wrap}
.hero-stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:20px;
  border-top:1px solid rgba(255,255,255,.15);
  padding-top:24px;
}
.stat .num{display:block;font-size:30px;font-weight:800;color:#fff;line-height:1.2}
.stat .lbl{font-size:13px;color:rgba(255,255,255,.6)}

/* ---------- Carte bancaire (pièce maîtresse) ---------- */
.bank-card{
  position:relative;
  aspect-ratio:85.6/54;
  border-radius:18px;
  padding:22px;
  color:#fff;overflow:hidden;
  box-shadow:0 18px 40px rgba(13,27,46,.35);
  display:flex;flex-direction:column;justify-content:space-between;
  width:100%;
}
.bc-us{background:linear-gradient(135deg,#101E3C,#274690 60%,#3D6BE9)}
.bc-eu{background:linear-gradient(135deg,#07203F,#0E4DA4 55%,#00A6E0)}
.bc-hk{background:linear-gradient(135deg,#3D0A0E,#A31621 55%,#E8452C)}

.bc-glow{
  position:absolute;width:260px;height:260px;border-radius:50%;
  background:radial-gradient(rgba(255,255,255,.22),transparent 70%);
  top:-80px;right:-60px;pointer-events:none;
}
.bc-top{display:flex;align-items:center;gap:10px;position:relative;z-index:2}
.bc-chip{
  width:40px;height:30px;border-radius:6px;
  background:linear-gradient(135deg,#F9D976,#E5A812);
  position:relative;overflow:hidden;flex-shrink:0;
  box-shadow:inset 0 1px 2px rgba(255,255,255,.5),0 1px 3px rgba(0,0,0,.25);
}
.bc-chip::after{
  content:"";position:absolute;inset:0;
  background:
    linear-gradient(90deg,transparent 31%,rgba(120,72,0,.35) 32%,rgba(120,72,0,.35) 36%,transparent 37%,transparent 64%,rgba(120,72,0,.35) 65%,rgba(120,72,0,.35) 69%,transparent 70%),
    linear-gradient(0deg,transparent 45%,rgba(120,72,0,.35) 46%,rgba(120,72,0,.35) 54%,transparent 55%);
}
.bc-wave{
  transform:rotate(90deg);letter-spacing:-3px;
  opacity:.7;font-size:17px;font-weight:700;line-height:1;
}
.bc-region{margin-left:auto;font-size:12px;opacity:.8;letter-spacing:1px}

.bc-num{
  font-family:"Courier New",ui-monospace,"SF Mono",Consolas,monospace;
  font-size:21px;letter-spacing:2px;font-weight:600;
  text-shadow:0 1px 3px rgba(0,0,0,.35);
  position:relative;z-index:2;white-space:nowrap;
}
.bc-bottom{display:flex;gap:24px;font-size:12px;opacity:.85;position:relative;z-index:2}
.bc-holder{text-transform:uppercase;letter-spacing:1px}
.bc-exp{letter-spacing:1px}
.bc-brand{
  position:absolute;bottom:18px;right:22px;z-index:2;
  font-style:italic;font-weight:800;font-size:18px;opacity:.95;letter-spacing:.5px;
}

/* Tailles de carte */
.bc-mini{max-width:300px}
.bc-lg{max-width:420px}
.bc-xs{width:150px;padding:12px;border-radius:12px}
.bc-xs .bc-chip{width:26px;height:19px;border-radius:4px}
.bc-xs .bc-wave{font-size:11px}
.bc-xs .bc-region{font-size:9px}
.bc-xs .bc-num{font-size:11px;letter-spacing:1px}
.bc-xs .bc-bottom{font-size:8px;gap:12px}
.bc-xs .bc-brand{font-size:11px;bottom:10px;right:12px}
.bc-xs .bc-glow{width:130px;height:130px;top:-40px;right:-30px}

/* Cartes flottantes du hero */
.hero-cards{position:relative;height:420px}
.bc-float{
  position:absolute;width:min(340px,80%);
  animation:float 6s ease-in-out infinite;
}
.bc-f0{top:0;left:10%;z-index:3;animation-delay:0s}
.bc-f1{top:90px;left:26%;z-index:2;animation-delay:-2s;transform:rotate(-6deg)}
.bc-f2{top:190px;left:4%;z-index:1;animation-delay:-4s;transform:rotate(5deg)}

@keyframes float{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-14px)}
}
/* conserver la rotation des variantes pendant le flottement */
.bc-f1.bc-float{animation-name:float-tilt-neg}
.bc-f2.bc-float{animation-name:float-tilt-pos}
@keyframes float-tilt-neg{
  0%,100%{transform:rotate(-6deg) translateY(0)}
  50%{transform:rotate(-6deg) translateY(-14px)}
}
@keyframes float-tilt-pos{
  0%,100%{transform:rotate(5deg) translateY(0)}
  50%{transform:rotate(5deg) translateY(-14px)}
}

/* ---------- Trustbar ---------- */
.trustbar{background:#fff;border-bottom:1px solid var(--line);padding:16px 0}
.trust-in{
  display:flex;justify-content:space-between;align-items:center;
  flex-wrap:wrap;gap:16px;
}
.trust-in span{
  color:#7A8699;font-weight:700;letter-spacing:1.5px;
  font-size:15px;opacity:.75;white-space:nowrap;
}

/* ---------- Sections génériques ---------- */
.sec{padding:72px 0}
.sec-alt{background:var(--card)}
.sec-head{text-align:center;max-width:640px;margin:0 auto 44px}
.sec-kicker{
  display:inline-block;color:var(--pri);
  background:rgba(30,107,255,.08);
  border-radius:999px;font-size:13px;font-weight:700;
  padding:5px 14px;margin-bottom:12px;letter-spacing:.5px;
}
.sec-head h2{font-size:clamp(26px,3vw,36px);color:var(--ink);line-height:1.3}
.sec-sub{color:#5B6676;margin-top:12px;line-height:1.7}
.sec-more{text-align:center;margin-top:36px}

/* ---------- Answer box (encadré GEO) ---------- */
.answer-box{
  background:linear-gradient(135deg,rgba(30,107,255,.06),rgba(0,194,255,.06));
  border-left:4px solid var(--pri);
  border-radius:12px;
  padding:18px 22px;margin:20px 0;
}
.answer-box p{margin:0;line-height:1.9;color:#243247}

/* ---------- Grilles produits ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{
  background:var(--card);border-radius:18px;
  border:1px solid var(--line);
  overflow:hidden;position:relative;
  transition:transform .25s ease,box-shadow .25s ease;
  display:flex;flex-direction:column;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.badge-hot{
  position:absolute;top:16px;right:-1px;z-index:2;
  background:var(--red);color:#fff;
  padding:5px 14px;font-size:12px;font-weight:700;
  border-radius:20px 0 0 20px;
  box-shadow:0 4px 10px rgba(245,71,45,.35);
}
.card-visual{
  padding:26px 22px 0;
  background:linear-gradient(180deg,rgba(30,107,255,.05),rgba(0,194,255,.02));
}
.card-body{padding:22px;display:flex;flex-direction:column;flex:1}
.card-body h3{font-size:21px;color:var(--ink)}
.card-tag{color:#5B6676;font-size:14px;line-height:1.6;min-height:44px;margin-top:6px}
.card-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.card-meta span{
  background:var(--bg);border-radius:8px;
  padding:4px 10px;font-size:12px;color:#5B6676;font-weight:500;
}
.stars{color:var(--gold);letter-spacing:2px}
.stars i{color:#D8DEE8;font-style:normal}

ul.feat{list-style:none;padding:0;margin:16px 0}
ul.feat li{
  padding-left:22px;position:relative;
  margin:8px 0;font-size:14px;color:#38445A;
}
ul.feat li::before{
  content:"✓";color:var(--green);font-weight:800;
  position:absolute;left:0;top:0;
}

.price-row{
  display:flex;align-items:baseline;gap:12px;
  border-top:1px dashed var(--line);
  padding-top:16px;margin-top:auto;
}
.price{font-size:30px;font-weight:800;color:var(--ink);line-height:1.1}
.price small{font-size:13px;color:#8A93A5;font-weight:400;margin-left:2px}
.fee{font-size:13px;color:#8A93A5}
.card-btns{display:flex;gap:10px;margin-top:18px}
.card-btns .btn{flex:1}

/* ---------- Section WHY ---------- */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.why-item{
  background:var(--card);border-radius:16px;
  padding:26px 22px;border:1px solid var(--line);
  transition:border-color .22s ease,transform .22s ease,box-shadow .22s ease;
}
.why-item:hover{border-color:var(--pri);transform:translateY(-3px);box-shadow:var(--shadow)}
.why-icon{font-size:30px;display:block;margin-bottom:12px;line-height:1}
.why-item h3{font-size:16px;margin-bottom:8px;color:var(--ink)}
.why-item p{font-size:13.5px;color:#5B6676;line-height:1.7}

/* ---------- Section STEPS ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{
  background:var(--card);border-radius:16px;
  padding:28px 22px;border:1px solid var(--line);
  position:relative;
  transition:transform .22s ease,box-shadow .22s ease;
}
.step:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.step-n{
  display:inline-flex;width:44px;height:44px;border-radius:50%;
  background:var(--grad);color:#fff;
  font-weight:800;font-size:19px;
  align-items:center;justify-content:center;
  margin-bottom:14px;
  box-shadow:0 6px 14px rgba(30,107,255,.35);
}
.step h3{font-size:17px;color:var(--ink)}
.step p{font-size:14px;color:#5B6676;line-height:1.7;margin-top:8px}

/* ---------- Section FEES ---------- */
.fee-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.fee-card{
  background:var(--card);border-radius:18px;
  border:1px solid var(--line);
  padding:34px 26px;text-align:center;
  transition:transform .22s ease,box-shadow .22s ease;
}
.fee-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.fee-hl{border:2px solid var(--pri);position:relative;box-shadow:0 10px 30px rgba(30,107,255,.18)}
.fee-big{
  font-size:46px;font-weight:800;line-height:1.1;margin:10px 0;
  background:var(--grad);
  -webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;color:transparent;
}
.fee-card h3{font-size:18px;color:var(--ink)}
.fee-card p{color:#5B6676;font-size:14px;line-height:1.7;margin-top:8px}
.coins{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:34px;align-items:center}
.coins-lbl{font-weight:700;color:var(--ink);font-size:14px}
.coin{
  background:var(--card);border:1px solid var(--line);
  border-radius:20px;padding:7px 16px;
  font-size:13px;font-weight:600;color:#38445A;
  transition:border-color .2s,color .2s;
}
.coin:hover{border-color:var(--pri);color:var(--pri)}

/* ---------- Ticker (bandeau défilant) ---------- */
.ticker{background:#0B1526;color:#fff;overflow:hidden;padding:13px 0}
.ticker-track{
  display:inline-flex;gap:48px;white-space:nowrap;
  animation:ticker-scroll 40s linear infinite;
  padding-left:20px;
}
.ticker-item{font-size:13.5px;color:rgba(255,255,255,.85)}
.ticker-item b{color:#FFD66B;font-weight:700}
@keyframes ticker-scroll{
  to{transform:translateX(-50%)}
}

/* ---------- Avis clients ---------- */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rev{
  background:var(--card);border-radius:16px;
  border:1px solid var(--line);padding:24px;
  transition:transform .22s ease,box-shadow .22s ease;
}
.rev:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.rev-head{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.rev-name{font-weight:700;color:var(--ink);font-size:15px}
.rev-date{margin-left:auto;font-size:12px;color:#8A93A5}
.rev-text{font-size:14px;color:#38445A;line-height:1.8}

/* ---------- Grille guides ---------- */
.g-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.g-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.g-item{
  display:block;background:var(--card);
  border:1px solid var(--line);border-radius:14px;
  padding:22px 24px;
  transition:border-color .22s ease,transform .22s ease,box-shadow .22s ease;
}
.g-item:hover{border-color:var(--pri);transform:translateY(-3px);box-shadow:var(--shadow)}
.g-item h3{font-size:16.5px;color:var(--ink);line-height:1.5}
.g-item p{font-size:13.5px;color:#5B6676;margin-top:8px;line-height:1.7}
.g-date{font-size:12px;color:#8A93A5;margin-top:10px;display:block}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto}
.faq-item{
  background:var(--card);border:1px solid var(--line);
  border-radius:12px;margin-bottom:12px;overflow:hidden;
  transition:border-color .2s ease;
}
.faq-item:hover{border-color:rgba(30,107,255,.4)}
.faq-item summary{
  padding:18px 22px;font-weight:600;color:var(--ink);
  cursor:pointer;list-style:none;position:relative;
  padding-right:48px;font-size:15.5px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"+";position:absolute;right:22px;top:50%;
  transform:translateY(-50%);
  font-size:20px;color:var(--pri);font-weight:600;
  transition:transform .25s ease;
}
.faq-item details[open] summary::after,
details[open]>summary::after{transform:translateY(-50%) rotate(45deg)}
.faq-a{padding:0 22px 18px}
.faq-a p{color:#5B6676;line-height:1.8;font-size:14.5px}

/* ---------- Actualités ---------- */
.news-list{max-width:820px;margin:0 auto}
.news-item{
  display:flex;gap:18px;align-items:baseline;
  padding:16px 20px;background:var(--card);
  border:1px solid var(--line);border-radius:12px;
  margin-bottom:10px;
  transition:border-color .2s ease,transform .2s ease;
}
.news-item:hover{border-color:var(--pri);transform:translateX(3px)}
.news-date{
  color:#8A93A5;font-size:13px;flex-shrink:0;
  font-variant-numeric:tabular-nums;
}
.news-t{font-weight:600;color:var(--ink);font-size:15px}

/* ---------- Bande CTA ---------- */
.cta-band{
  background:linear-gradient(135deg,#0E2A5C,#1E6BFF);
  color:#fff;padding:56px 0;
  position:relative;overflow:hidden;
}
.cta-band::before{
  content:"";position:absolute;width:400px;height:400px;border-radius:50%;
  background:radial-gradient(rgba(255,255,255,.14),transparent 70%);
  top:-160px;right:-80px;pointer-events:none;
}
.cta-in{
  display:flex;justify-content:space-between;align-items:center;
  gap:30px;flex-wrap:wrap;position:relative;z-index:2;
}
.cta-in h2{font-size:28px;line-height:1.35}
.cta-in p{color:rgba(255,255,255,.85);margin-top:10px;font-size:15.5px}

/* ---------- Footer ---------- */
.footer{background:#0B1526;color:rgba(255,255,255,.72);padding:60px 0 0}
.foot-grid{
  display:grid;grid-template-columns:1.3fr .9fr .9fr .9fr .9fr;
  gap:30px;
}
.foot-col h4{color:#fff;font-size:15px;margin-bottom:16px}
.foot-col a{
  display:block;color:rgba(255,255,255,.62);
  margin:10px 0;font-size:14px;
  transition:color .2s ease;
}
.foot-col a:hover{color:#fff}
.foot-brand p{font-size:13.5px;line-height:1.8;margin-top:14px;color:rgba(255,255,255,.6)}
.foot-stats{color:rgba(255,255,255,.45);font-size:12.5px;margin-top:14px;line-height:1.7}
.footer .brand{color:#fff}
.foot-bottom{
  border-top:1px solid rgba(255,255,255,.1);
  margin-top:44px;padding:20px 0;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
  font-size:12.5px;color:rgba(255,255,255,.4);
}

/* ---------- Page produit ---------- */
.crumb{padding:18px 0 0;font-size:13px;color:#8A93A5}
.crumb a{color:#5B6676;transition:color .2s}
.crumb a:hover{color:var(--pri)}
.crumb-sep{margin:0 8px}

.card-hero{
  background:linear-gradient(160deg,#0B1526 0%,#0E2A5C 55%,#1253B8 100%);
  padding:60px 0 70px;color:#fff;
  position:relative;overflow:hidden;
}
.card-hero::before{
  content:"";position:absolute;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(rgba(0,194,255,.2),transparent 70%);
  top:-180px;right:-120px;pointer-events:none;
}
.card-hero-in{
  display:grid;grid-template-columns:1fr 1fr;
  align-items:center;gap:40px;
  position:relative;z-index:2;
}
.ch-txt h1{font-size:clamp(30px,4vw,44px);line-height:1.2}
.rate-line{margin:14px 0;font-size:15px;color:rgba(255,255,255,.85)}
.ch-card{display:flex;justify-content:center}

.two-col{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:start}
.h2-l{font-size:22px;color:var(--ink);margin:30px 0 14px}
.h2-l:first-child{margin-top:0}
.lead{font-size:16.5px;line-height:1.9;color:#38445A}

.check-list{list-style:none;padding:0}
.check-list li{
  padding:10px 0 10px 28px;position:relative;
  border-bottom:1px dashed var(--line);
  font-size:14.5px;color:#38445A;line-height:1.7;
}
.check-list li::before{
  content:"✓";position:absolute;left:0;top:10px;
  width:19px;height:19px;border-radius:50%;
  background:rgba(22,163,74,.12);color:var(--green);
  font-size:11px;font-weight:800;
  display:inline-flex;align-items:center;justify-content:center;
}

.side-box{
  background:var(--card);border:1px solid var(--line);
  border-radius:18px;padding:26px;
  position:sticky;top:90px;
  box-shadow:var(--shadow);
}
.side-box h3{font-size:18px;color:var(--ink);margin-bottom:14px}

.other-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.other-card{
  display:flex;align-items:center;gap:18px;
  background:var(--card);border:1px solid var(--line);
  border-radius:14px;padding:18px;
  transition:border-color .2s ease,transform .2s ease;
}
.other-card:hover{border-color:var(--pri);transform:translateY(-2px)}
.other-card span{font-weight:700;color:var(--ink)}
.other-card i{
  display:block;font-style:normal;font-weight:400;
  font-size:13px;color:#8A93A5;margin-top:3px;
}

/* ---------- Page article ---------- */
.art-wrap{max-width:780px;margin:0 auto}
.art{font-size:15.5px;line-height:1.95;color:#2B3648}
.art h1{
  font-size:clamp(26px,3.4vw,38px);
  line-height:1.3;color:var(--ink);margin-bottom:14px;
}
.art-meta{
  display:flex;gap:18px;flex-wrap:wrap;
  color:#8A93A5;font-size:13px;margin-bottom:22px;
}
.art h2{
  font-size:23px;color:var(--ink);
  margin:40px 0 16px;padding-left:14px;
  border-left:4px solid var(--pri);line-height:1.4;
}
.art p{margin:14px 0}
.art ul{padding-left:22px;list-style:disc}
.art ul li{margin:8px 0}
.toc{
  background:var(--bg);border-radius:12px;
  padding:18px 22px;margin:24px 0;
  border:1px solid var(--line);
}
.toc b{display:block;margin-bottom:10px;color:var(--ink)}
.toc a{
  display:block;color:#38445A;
  padding:5px 0;font-size:14px;
  transition:color .2s;
}
.toc a:hover{color:var(--pri)}
.art-cta{
  background:linear-gradient(135deg,rgba(30,107,255,.06),rgba(0,194,255,.06));
  border:1px solid rgba(30,107,255,.15);
  border-radius:16px;padding:28px;text-align:center;
  margin-top:44px;
}
.art-cta h3{font-size:20px;color:var(--ink);margin-bottom:10px}
.art-cta p{color:#5B6676;font-size:14.5px;margin-bottom:18px}
.h1-page{font-size:clamp(28px,3.6vw,40px);text-align:center;color:var(--ink)}
.lead-c{
  text-align:center;color:#5B6676;
  max-width:620px;margin:12px auto 40px;line-height:1.8;
}

/* ---------- Tableaux ---------- */
.tbl-wrap{
  overflow-x:auto;margin:20px 0;
  border-radius:14px;border:1px solid var(--line);
  background:var(--card);
}
.tbl{width:100%;border-collapse:collapse;background:var(--card);font-size:14.5px}
.tbl th{
  background:#EEF3FA;color:var(--ink);font-weight:700;
  padding:13px 16px;text-align:left;white-space:nowrap;
}
.tbl td{
  padding:13px 16px;
  border-top:1px solid var(--line);
  color:#38445A;
}
.tbl tr:hover td{background:#F8FAFD}

/* ---------- Timeline ---------- */
.timeline{
  border-left:3px solid rgba(30,107,255,.25);
  margin:24px 0;padding-left:26px;
}
.tl-item{position:relative;padding:12px 0}
.tl-item::before{
  content:"";position:absolute;left:-33px;top:20px;
  width:12px;height:12px;border-radius:50%;
  background:var(--pri);
  box-shadow:0 0 0 4px rgba(30,107,255,.18);
}
.tl-date{font-weight:800;color:var(--pri);font-size:15px}
.tl-item p{margin-top:4px;color:#38445A;font-size:14.5px;line-height:1.7}

/* ---------- Glossaire ---------- */
.gloss{margin-top:24px}
.gloss-item{
  background:var(--card);border:1px solid var(--line);
  border-radius:12px;padding:20px 24px;margin-bottom:12px;
}
.gloss-item dt{font-weight:800;color:var(--ink);font-size:16px;margin-bottom:8px}
.gloss-item dd{margin:0;color:#38445A;line-height:1.85;font-size:14.5px}

/* ---------- Animation d'apparition ---------- */
.reveal{
  opacity:0;transform:translateY(24px);
  transition:opacity .6s ease,transform .6s ease;
}
.reveal.in{opacity:1;transform:translateY(0)}

/* Accessibilité : mouvement réduit */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{
    animation-duration:.01ms !important;
    animation-iteration-count:1 !important;
    transition-duration:.01ms !important;
  }
  .reveal{opacity:1;transform:none}
  .bc-float{animation:none}
  .ticker-track{animation:none}
  html{scroll-behavior:auto}
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* ---------- Tablette / petit écran (max 960px) ---------- */
@media (max-width:960px){
  /* Navigation : menu plein écran */
  button.nav-toggle{display:inline-flex}
  nav.nav{
    position:fixed;inset:0;z-index:99;
    background:#fff;
    flex-direction:column;align-items:flex-start;
    padding:80px 28px 32px;
    gap:6px;
    opacity:0;visibility:hidden;pointer-events:none;
    transition:opacity .25s ease,visibility .25s;
    overflow-y:auto;
  }
  nav.nav.open{opacity:1;visibility:visible;pointer-events:auto}
  nav.nav ul{flex-direction:column;align-items:flex-start;gap:6px;width:100%}
  nav.nav li{width:100%}
  nav.nav a{display:block;padding:12px 6px;font-size:17px;border-bottom:1px solid var(--line);width:100%}
  nav.nav a.on::after{display:none}
  .has-drop{width:100%}
  .has-drop>.drop{
    position:static;transform:none;opacity:1;visibility:visible;pointer-events:auto;
    box-shadow:none;border:none;border-radius:0;padding:0 0 0 16px;min-width:0;
  }
  .nav-cta{margin-left:0}

  /* Colonnes réduites */
  .hero-inner{grid-template-columns:1fr;gap:44px}
  .card-hero-in{grid-template-columns:1fr;gap:36px}
  .two-col{grid-template-columns:1fr;gap:30px}
  .hero-cards{height:340px;max-width:480px;margin:0 auto;width:100%}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .why-grid,.steps{grid-template-columns:repeat(2,1fr)}
  .fee-grid{grid-template-columns:1fr;max-width:480px;margin:0 auto}
  .foot-grid{grid-template-columns:repeat(2,1fr);gap:28px}
  .rev-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto}
  .g-grid,.g-grid-2{grid-template-columns:1fr}
  .cta-in{flex-direction:column;text-align:center;justify-content:center}
  .hero-stats{grid-template-columns:repeat(2,1fr);gap:24px 20px}
  .side-box{position:static;top:auto}
  .hero{padding:64px 0 80px}
}

/* ---------- Mobile (max 640px) ---------- */
@media (max-width:640px){
  .sec{padding:52px 0}
  .grid-3{grid-template-columns:1fr}
  .why-grid,.steps{grid-template-columns:1fr}
  .other-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr;gap:26px}
  .hero{padding:56px 0 68px}
  .hero-sub{font-size:15.5px}
  .hero-cta .btn{width:100%}
  .hero-cards{height:300px}
  .bc-float{width:min(280px,86%)}
  .card-btns{flex-direction:column}
  .stat .num{font-size:24px}
  .cta-band{padding:44px 0}
  .cta-in h2{font-size:23px}
  .top-in{gap:12px}
  .brand-t i{display:none}
  .trust-in{justify-content:center;gap:12px 22px}
  .foot-bottom{justify-content:center;text-align:center}
}

/* ---------- Fixs revue adversariale ---------- */
.rate{display:inline-flex;align-items:center;gap:4px}
.foot-note{opacity:.7}
.rel-read{
  margin-top:36px;padding:22px 24px;background:var(--bg,#F5F7FB);
  border:1px solid var(--line,#E4E9F2);border-radius:14px;
}
.rel-read h2{font-size:19px;margin:0 0 12px;padding-left:0;border-left:none}
.rel-read ul{padding-left:20px;margin:0}
.rel-read li{margin:7px 0}
.rel-read a{color:var(--pri,#1E6BFF);font-weight:600}
.hero-txt{min-width:0}