:root{--n:#0F2A44;--n2:#1d4670;--o:#F07B21;--o2:#d9650d;--cta:#C2560A;--g:#5b6875;--l:#e4e9ef;--bg:#f6f8fa}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:18px/1.7 Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:#1f2933;background:#fff}
a{color:#1d4f86}h1,h2,h3{color:var(--n);line-height:1.2;letter-spacing:-.015em}
h1{font-size:clamp(30px,4.6vw,48px);margin:.2em 0 .3em}h2{font-size:clamp(24px,3vw,32px);margin:1.8em 0 .5em}h3{font-size:21px;margin:1.4em 0 .4em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}main.wrap{padding-bottom:56px}
main.wrap>p,main.wrap>ul,main.wrap>ol,main.wrap>h2,main.wrap>h3,.prose{max-width:760px}
header.site{background:var(--n);position:sticky;top:0;z-index:30}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-size:20px;font-weight:600}.logo b{color:#ffb27a}
header nav{display:flex;align-items:center;gap:6px 20px;flex-wrap:wrap}header nav a{color:#d6e1ec;text-decoration:none;font-size:16px}header nav a:hover{color:#fff}
.navcta{background:var(--cta);color:#fff!important;padding:9px 16px;border-radius:999px;font-weight:700}
.phead{background:linear-gradient(135deg,var(--n),var(--n2));color:#dfe8f1;padding:28px 0 30px}.phead h1{color:#fff;max-width:900px}
.bc{font-size:15px;color:#b9c8d8}.bc a{color:#d6e1ec}.bc span{opacity:.6;margin:0 4px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;background:var(--cta);color:#fff;padding:12px 26px;border-radius:12px;text-decoration:none;font-weight:700;border:0;font-size:18px;cursor:pointer;font-family:inherit;box-shadow:0 6px 18px rgba(240,123,33,.3)}.btn:hover{background:var(--o2)}
.btn.ghost{background:#fff;color:var(--n);border:2px solid var(--l);box-shadow:none}
.hero{background:linear-gradient(120deg,rgba(15,42,68,.96) 0%,rgba(15,42,68,.8) 50%,rgba(15,42,68,.25) 100%),url(/img/hero-la.webp) center 30%/cover;color:#e6eef6;padding:56px 0 64px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}.hero h1{color:#fff}.lead{font-size:20px;color:#d3dfeb;max-width:600px}
.ticks{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}.ticks li:before{content:"✓";color:#ffb27a;font-weight:800;margin-right:10px}
.qcard{background:#fff;color:#1f2933;border-radius:18px;padding:26px;box-shadow:0 24px 50px rgba(0,0,0,.3)}.qcard h2{margin:0 0 4px;font-size:23px}.qcard p{margin:0 0 14px;color:var(--g);font-size:16px}
label{display:block;font-weight:600;font-size:16px;margin:12px 0 6px;color:var(--n)}
input[type=text],input[type=tel],input[type=email],input:not([type]),select,textarea{width:100%;font:inherit;font-size:18px;padding:13px 14px;border:1.5px solid #c9d3dd;border-radius:10px;background:#fff;min-height:52px}
input:focus,select:focus,textarea:focus{outline:3px solid #ffd2ad;border-color:var(--o)}
.qcard .btn{width:100%;margin-top:16px}.small{font-size:14px;color:var(--g)}
section.band{padding:8px 0}.band.alt{background:var(--bg);padding:20px 0 44px;margin-top:40px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;list-style:none;padding:0;margin:0}.steps li{background:#fff;border:1px solid var(--l);border-radius:16px;padding:24px}
.steps .num{display:inline-flex;width:40px;height:40px;border-radius:50%;background:#fff1e4;color:var(--o2);font-weight:800;align-items:center;justify-content:center;margin-bottom:8px}.steps b{display:block;color:var(--n);font-size:19px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--l);border-radius:16px;overflow:hidden;text-decoration:none;color:inherit;display:block;transition:transform .15s,box-shadow .15s}.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(15,42,68,.12)}
.card img{width:100%;height:150px;object-fit:cover;display:block}.card .ph{height:150px;background:linear-gradient(135deg,#9aa8b5,#4f6478)}.card div{padding:14px 18px 18px}.card b{color:var(--n);font-size:19px;display:block}.card span{color:var(--g);font-size:16px}
.answer{border:2px solid #ffd2ad;background:#fff8f2;border-radius:16px;padding:22px 24px;margin:24px 0;max-width:760px}.answer .big{font-size:clamp(28px,4vw,40px);font-weight:800;color:var(--n);line-height:1.1}.answer p{margin:.4em 0}
.toc{background:var(--bg);border-radius:14px;padding:16px 22px;max-width:760px}.toc ol{margin:6px 0 0;padding-left:22px;columns:2;column-gap:30px}.toc a{text-decoration:none}
table{border-collapse:collapse;width:100%;max-width:760px;margin:14px 0;font-size:17px}th,td{border-bottom:1px solid var(--l);padding:11px 12px;text-align:left;vertical-align:top}th{background:var(--n);color:#fff;font-weight:600}tr:nth-child(even) td{background:#fafbfc}
.tscroll{overflow-x:auto;max-width:760px}.tnote{font-size:15px;color:#4a5560;background:var(--bg);border-left:4px solid var(--o);padding:10px 14px;border-radius:6px;max-width:760px}
.src-tag{font-size:13px;text-decoration:none;color:var(--g);white-space:nowrap}.cite{word-break:break-word}
.sources ol{font-size:16px}.disc{font-size:14px;color:#6b7680}.byline{font-size:15px;color:var(--g);border-bottom:1px solid var(--l);padding-bottom:12px;max-width:760px}
.ctabox{display:flex;gap:20px;align-items:center;justify-content:space-between;background:var(--n);color:#dfe8f1;border-radius:16px;padding:22px 26px;margin:34px 0;max-width:760px;flex-wrap:wrap}.ctabox b{color:#fff;font-size:20px}.ctabox p{margin:4px 0 0;font-size:16px}
.faq{max-width:760px}.faq details{border:1px solid var(--l);border-radius:12px;margin:10px 0;background:#fff}.faq summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--n);list-style:none;position:relative;padding-right:46px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:24px;color:var(--o)}.faq details[open] summary:after{content:"–"}.faq details>div{padding:0 20px 14px}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0}.chips a{display:inline-block;padding:9px 16px;border:1.5px solid var(--l);border-radius:999px;text-decoration:none;color:var(--n);font-weight:600;background:#fff}
.paybox{border:1px solid var(--l);border-radius:16px;padding:20px 24px;background:#fff;max-width:760px}
.figimg{width:100%;max-width:760px;border-radius:16px;display:block;margin:20px 0 4px;aspect-ratio:5/3;object-fit:cover}
footer{background:#0b2034;color:#b9c8d8;padding:36px 0 90px;font-size:16px}footer a{color:#d6e1ec;display:block;text-decoration:none;margin:4px 0}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}footer b{color:#fff}.fb{font-size:20px}footer .disc{color:#9fb0c0;border-top:1px solid #23405c;padding-top:16px;margin-top:20px}.credit{font-size:13px}
.mcta{display:none}
/* quote form */
.qf{max-width:640px;margin:26px auto;background:#fff;border:1px solid var(--l);border-radius:18px;padding:26px;box-shadow:0 10px 30px rgba(15,42,68,.08)}
.prog{height:8px;background:var(--l);border-radius:99px;overflow:hidden}.prog i{display:block;height:100%;background:var(--o);width:14%;transition:width .25s}.stepn{font-size:15px;color:var(--g);margin:8px 0 0}
.qf fieldset{border:0;padding:0;margin:0 0 22px}.qf legend{font-size:24px;font-weight:800;color:var(--n);margin:14px 0 6px;line-height:1.25}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}.opts label{margin:0;border:1.5px solid #c9d3dd;border-radius:12px;padding:14px;font-weight:600;cursor:pointer;display:flex;gap:10px;align-items:center;min-height:56px}
.opts input{width:20px;height:20px;accent-color:var(--o)}.opts label:has(input:checked){border-color:var(--o);background:#fff5ec}
.consent{display:flex;gap:12px;font-weight:400;font-size:15px;color:#3e4a55;line-height:1.5}.consent input{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--o)}
.qnav{display:flex;gap:12px;justify-content:space-between}.qnav .btn{flex:1}.err{color:#b42318;font-weight:600;font-size:16px;min-height:1.4em}
.js .qf fieldset{display:none}.js .qf fieldset.on{display:block}.nojs-only{}.js .nojs-only{display:none}.qnav{display:none}.js .qnav{display:flex}
.hp{position:absolute;left:-9999px}
@media(max-width:860px){header.site .wrap{flex-wrap:nowrap}.logo{font-size:17px}.navcta{padding:8px 12px;font-size:14px;white-space:nowrap}.logo span{white-space:nowrap}body{font-size:18px}.hero{padding:30px 0 40px}.hero .wrap{grid-template-columns:1fr;gap:24px}.steps{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}.toc ol{columns:1}
.mcta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:40;text-align:center;background:var(--cta);color:#fff;font-weight:800;padding:15px;border-radius:14px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25);transition:opacity .2s}.mcta.hide{opacity:0;pointer-events:none}.opts{grid-template-columns:1fr}.qf{padding:18px;margin:16px -4px}}
.warnbox{border:2px solid #e8590c;background:#fff4e6;border-radius:10px;padding:14px 18px;margin:18px 0;font-size:.95em}

/* round 1 */
footer a.il{display:inline;margin:0;text-decoration:underline}
.fgrid{grid-template-columns:1.6fr 1.2fr 1fr 1fr 1.2fr}
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;color:#fff;font-weight:700;font-size:15px;padding:8px 12px;border:1px solid #3c5a78;border-radius:999px;display:flex;align-items:center;gap:8px}
.mnav summary::-webkit-details-marker{display:none}
.mnav .bars,.mnav .bars:before,.mnav .bars:after{display:block;width:16px;height:2px;background:#fff;position:relative}
.mnav .bars:before,.mnav .bars:after{content:"";position:absolute;left:0}.mnav .bars:before{top:-5px}.mnav .bars:after{top:5px}
.mnav nav{position:absolute;right:0;top:calc(100% + 10px);background:var(--n);border-radius:12px;box-shadow:0 12px 30px rgba(0,0,0,.3);padding:8px;min-width:220px;display:flex;flex-direction:column}
.mnav nav a{color:#fff;text-decoration:none;padding:12px 14px;border-radius:8px;font-size:17px}.mnav nav a:hover{background:#1d3a57}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.tcap{font-size:14px;color:#4a5560;margin:6px 0 18px}
@media(max-width:860px){.dnav{display:none}.mnav{display:block}header.site .navcta{display:none}.fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}}
@media(max-width:420px){.fgrid{grid-template-columns:1fr}}
header.site .dnav{margin-left:auto;margin-right:6px}
.cform{max-width:640px;margin:22px 0;background:#fff;border:1px solid var(--l);border-radius:18px;padding:24px;box-shadow:0 10px 30px rgba(15,42,68,.08)}.cform select{width:100%;padding:12px;font-size:17px;border:1.5px solid #c9d3dd;border-radius:10px;background:#fff}.cform .btn{margin-top:14px}
header.site .navcta{text-decoration:none}

.ghero{background:linear-gradient(100deg,rgba(15,42,68,.97) 0%,rgba(15,42,68,.88) 50%,rgba(15,42,68,.45) 100%),url(/img/guide-pour.webp) center 60%/cover;color:#dfe8f1;padding:34px 0 30px}
.ghero h1{color:#fff;max-width:780px;margin:6px 0 18px}.kick{text-transform:uppercase;letter-spacing:.08em;font-size:13px;font-weight:700;color:#f6b37c;margin:14px 0 0}
.gstat{display:inline-flex;align-items:baseline;gap:14px;flex-wrap:wrap;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:14px;padding:12px 18px;margin-bottom:18px}
.gnum{font-size:34px;font-weight:800;color:#fff;line-height:1}.glab{font-size:15px;color:#d3dfeb}.ghero .src-tag a,.ghero .byline a{color:#f6c79f}
.ghero .byline{color:#c9d6e3;border:0;padding:0;margin:0}.ghero .byline b{color:#fff}
.glay{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}.gmain{padding-bottom:56px;min-width:0}
.gmain>p,.gmain>ul,.gmain>ol,.gmain>h2,.gmain>h3{max-width:760px}
.gside{position:sticky;top:90px;margin-top:28px}.gside .qcard{box-shadow:0 10px 30px rgba(15,42,68,.14);border:1px solid var(--l)}.gside .qcard h2{font-size:21px}
@media(max-width:1000px){.glay{display:block}.gside{display:none}.gnum{font-size:28px}}
.src-tag{font-size:.82em;color:var(--g);white-space:normal}