:root{
    --sky:#3BA0E8;
    --blue:#1565C0;
    --navy:#0A2E6E;
    --navy-soft:#0B3D91;
    --gold:#F5A623;
    --gold-lt:#FFC845;
    --paper:#FFFFFF;
    --tint:#F1F7FD;
    --tint2:#E4F0FB;
    --ink:#15243f;
    --muted:#4a5c78;
    --line:#d7e6f5;
    --radius:18px;
    --maxw:1120px;
    --font-head:"Fraunces",Georgia,serif;
    --font-body:"Mulish",system-ui,-apple-system,sans-serif;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
  body{
    font-family:var(--font-body);
    color:var(--ink);
    background:var(--paper);
    font-size:18px;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3{font-family:var(--font-head);line-height:1.12;color:var(--navy);font-weight:600;letter-spacing:-0.01em}
  a{color:var(--blue);text-decoration:none}
  img{max-width:100%;display:block}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
  .sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

  /* buttons */
  .btn{
    display:inline-flex;align-items:center;gap:10px;
    font-family:var(--font-body);font-weight:800;font-size:1.05rem;
    padding:16px 28px;border-radius:999px;border:0;cursor:pointer;
    transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
    text-align:center;
  }
  .btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 22px rgba(245,166,35,.32)}
  .btn-gold:hover{background:var(--gold-lt);transform:translateY(-2px);box-shadow:0 12px 28px rgba(245,166,35,.4)}
  .btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--line)}
  .btn-ghost:hover{border-color:var(--sky);background:var(--tint)}
  .btn-white{background:#fff;color:var(--navy)}
  .btn-white:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(0,0,0,.18)}
  :focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}

  /* header */
  header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
  .top .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px;gap:16px}
  .top img{height:46px;width:auto}
  .top-cta{display:flex;align-items:center;gap:18px}
  .top-cta .tel{font-weight:700;color:var(--navy);white-space:nowrap}
  @media(max-width:640px){.top-cta .tel{display:none}.top img{height:38px}}

  /* hero */
  .hero{position:relative;overflow:hidden;background:
     radial-gradient(1200px 500px at 80% -10%, var(--tint2), transparent 60%),
     linear-gradient(180deg,#fff, var(--tint))}
  .hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding:76px 24px 84px}
  .eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:700;color:var(--blue);background:#fff;border:1px solid var(--line);padding:8px 15px;border-radius:999px;font-size:.95rem;box-shadow:0 4px 14px rgba(21,101,192,.08)}
  .eyebrow .dot{width:9px;height:9px;border-radius:50%;background:var(--gold)}
  h1.hero-title{font-size:clamp(2.35rem,4.6vw,3.7rem);margin:22px 0 18px;font-weight:600}
  .hero p.lead{font-size:1.22rem;color:var(--muted);max-width:34ch;margin-bottom:30px}
  .hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
  .access-note{margin-top:20px;display:flex;gap:11px;align-items:flex-start;color:var(--muted);font-size:1rem;max-width:44ch}
  .access-note svg{flex:0 0 auto;margin-top:2px}
  .hero-art{position:relative}
  .hero-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:28px 26px 22px;box-shadow:0 26px 60px rgba(10,46,110,.14)}
  .hero-card h4{font-family:var(--font-body);font-weight:700;color:var(--navy);font-size:1.05rem;margin-bottom:2px}
  .hero-card span.sub{color:var(--muted);font-size:.95rem}

  /* sections */
  section{padding:82px 0}
  .sec-head{max-width:60ch}
  .sec-head h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}
  .sec-head p{color:var(--muted);font-size:1.15rem;margin-top:16px}
  .band{background:var(--tint)}
  .band-navy{background:linear-gradient(160deg,var(--navy),var(--navy-soft));color:#fff}
  .band-navy h2,.band-navy h3{color:#fff}

  /* benefits */
  .benefits{margin-top:48px;display:grid;grid-template-columns:repeat(2,1fr);gap:14px 44px}
  .benefit{display:grid;grid-template-columns:auto 1fr;gap:18px;padding:22px 4px;border-top:1px solid var(--line)}
  .benefit .mk{width:46px;height:46px;border-radius:13px;background:var(--tint2);display:grid;place-items:center;color:var(--blue)}
  .benefit h3{font-size:1.28rem;margin-bottom:6px}
  .benefit p{color:var(--muted);font-size:1.02rem}

  /* offers */
  .offers{margin-top:50px;display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:stretch}
  .offer{border-radius:24px;padding:38px 34px;display:flex;flex-direction:column;position:relative;border:1px solid var(--line)}
  .offer.particulier{background:#fff}
  .offer.pro{background:linear-gradient(165deg,var(--navy),var(--navy-soft));color:#fff;border:0;box-shadow:0 24px 55px rgba(10,46,110,.22)}
  .offer .tag{font-family:var(--font-body);font-weight:800;letter-spacing:.02em;font-size:.9rem;color:var(--blue)}
  .offer.pro .tag{color:var(--gold-lt)}
  .offer h3{font-size:1.8rem;margin:8px 0 6px}
  .offer .who{color:var(--muted);font-size:1.05rem;margin-bottom:22px}
  .offer.pro .who{color:#cdddf5}
  .offer ul{list-style:none;display:flex;flex-direction:column;gap:13px;margin-bottom:26px;flex:1}
  .offer li{display:flex;gap:12px;align-items:flex-start;font-size:1.03rem}
  .offer li svg{flex:0 0 auto;margin-top:3px}
  .offer .price-note{font-size:.98rem;padding:14px 16px;border-radius:13px;background:var(--tint);color:var(--navy);font-weight:600;margin-bottom:22px;display:flex;gap:10px;align-items:center}
  .offer.pro .price-note{background:rgba(255,255,255,.1);color:#fff}
  .offer .btn{width:100%;justify-content:center}

  /* specialists */
  .spec-grid{margin-top:46px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
  .spec{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 20px}
  .spec .ic{width:44px;height:44px;border-radius:12px;background:var(--tint2);display:grid;place-items:center;color:var(--blue);margin-bottom:14px}
  .spec h3{font-size:1.12rem;margin-bottom:5px}
  .spec p{color:var(--muted);font-size:.97rem}
  .spec-foot{margin-top:34px;font-size:1.1rem;color:var(--muted);max-width:70ch}

  /* security */
  .sec-list{margin-top:44px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .sec-item{display:flex;gap:16px;align-items:flex-start}
  .sec-item .ic{width:48px;height:48px;flex:0 0 auto;border-radius:13px;background:rgba(255,255,255,.12);display:grid;place-items:center;color:var(--gold-lt)}
  .sec-item h3{font-size:1.18rem;margin-bottom:5px}
  .sec-item p{color:#cdddf5;font-size:1rem}

  /* form */
  .form-band{background:var(--tint)}
  .form-shell{margin-top:44px;display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
  .form-aside h3{font-size:1.5rem;margin-bottom:14px}
  .form-aside p{color:var(--muted);margin-bottom:22px}
  .assure{list-style:none;display:flex;flex-direction:column;gap:16px}
  .assure li{display:flex;gap:13px;align-items:flex-start;font-weight:600;color:var(--navy)}
  .assure li svg{flex:0 0 auto;margin-top:2px}
  form.request{background:#fff;border:1px solid var(--line);border-radius:22px;padding:34px 32px;box-shadow:0 20px 50px rgba(10,46,110,.1)}
  .seg{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:22px}
  .seg label{border:2px solid var(--line);border-radius:13px;padding:14px 12px;text-align:center;font-weight:700;color:var(--navy);cursor:pointer;transition:.15s;display:block}
  .seg input{position:absolute;opacity:0;width:0;height:0}
  .seg input:focus-visible + label{outline:3px solid var(--gold);outline-offset:2px}
  .seg input:checked + label{border-color:var(--blue);background:var(--tint2);box-shadow:inset 0 0 0 1px var(--blue)}
  .field{margin-bottom:18px}
  .field label.lb{display:block;font-weight:700;color:var(--navy);margin-bottom:7px;font-size:1rem}
  .field input,.field textarea{width:100%;font-family:var(--font-body);font-size:1.05rem;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;color:var(--ink);background:#fdfefe}
  .field input:focus,.field textarea:focus{outline:0;border-color:var(--sky);box-shadow:0 0 0 4px rgba(59,160,232,.15)}
  .field textarea{min-height:120px;resize:vertical}
  #proField{display:none}
  form.request .btn{width:100%;justify-content:center;margin-top:6px}
  .form-fine{font-size:.9rem;color:var(--muted);margin-top:16px;text-align:center}
  .confirm{display:none;background:#fff;border:1px solid var(--line);border-radius:22px;padding:46px 34px;text-align:center;box-shadow:0 20px 50px rgba(10,46,110,.1)}
  .confirm .ok{width:66px;height:66px;border-radius:50%;background:var(--tint2);display:grid;place-items:center;margin:0 auto 20px;color:var(--blue)}
  .confirm h3{font-size:1.6rem;margin-bottom:12px}
  .confirm p{color:var(--muted);max-width:40ch;margin:0 auto}

  /* footer */
  footer{background:var(--navy);color:#cdddf5;padding:54px 0 40px}
  footer .wrap{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:center}
  footer img{height:52px;filter:brightness(0) invert(1);opacity:.95}
  footer .tagline{font-family:var(--font-head);font-size:1.15rem;color:#fff;max-width:34ch}
  footer .legal{width:100%;border-top:1px solid rgba(255,255,255,.15);margin-top:14px;padding-top:22px;font-size:.9rem;color:#9fb6d8}

  @media(max-width:900px){
    .hero .wrap{grid-template-columns:1fr;gap:36px}
    .hero-art{order:-1;max-width:440px}
    .benefits,.offers,.form-shell{grid-template-columns:1fr}
    .spec-grid{grid-template-columns:1fr 1fr}
    .sec-list{grid-template-columns:1fr}
    section{padding:62px 0}
  }
  @media(max-width:520px){
    .spec-grid{grid-template-columns:1fr}
    form.request{padding:26px 20px}
    .hero .wrap{padding:52px 24px 60px}
  }