:root{
  --bg:#f5f7fb;
  --surface:#ffffff;
  --surface-soft:#f8fafc;
  --text:#172033;
  --muted:#6b7280;
  --line:#e5e7eb;
  --primary:#17324d;
  --primary-2:#254f73;
  --accent:#c8a96b;
  --success:#138a5b;
  --danger:#b44747;
  --warning:#9b6b1f;
  --shadow:0 12px 34px rgba(23,50,77,.08);
  --shadow-sm:0 5px 18px rgba(23,50,77,.06);
  --radius:18px;
  --radius-sm:12px;
}

*{box-sizing:border-box}

html{scroll-behavior:smooth}

body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  background:
    radial-gradient(circle at 10% 0%,rgba(37,79,115,.06),transparent 26%),
    var(--bg);
  color:var(--text);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}

a{color:inherit}

header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(255,255,255,.94);
  backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(229,231,235,.9);
}

.wrap{
  width:min(1180px,92%);
  margin:0 auto;
}

.nav{
  min-height:74px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
}

.logo{
  text-decoration:none;
  color:var(--primary);
  font-weight:800;
  font-size:1.18rem;
  letter-spacing:-.02em;
}

.logo span{
  color:var(--accent);
}

main.wrap{
  padding:34px 0 70px;
}

.hero{
  margin:0 0 28px;
  padding:42px;
  border-radius:26px;
  color:#fff;
  background:
    linear-gradient(135deg,rgba(255,255,255,.05),rgba(255,255,255,0)),
    linear-gradient(135deg,var(--primary),#244d6f);
  box-shadow:var(--shadow);
  overflow:hidden;
  position:relative;
}

.hero::after{
  content:"";
  position:absolute;
  width:260px;
  height:260px;
  right:-70px;
  top:-100px;
  border-radius:50%;
  border:55px solid rgba(255,255,255,.06);
}

.hero h1{
  margin:0 0 12px;
  font-size:clamp(2rem,4vw,3.35rem);
  line-height:1.06;
  letter-spacing:-.045em;
  max-width:850px;
}

.hero p{
  margin:0;
  max-width:760px;
  color:rgba(255,255,255,.82);
  font-size:1.03rem;
}

.grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px;
  margin:20px 0;
}

.panel,.card{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow-sm);
}

.panel{
  padding:26px;
  margin:0 0 22px;
}

.card{
  padding:22px;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}

.card:hover{
  transform:translateY(-2px);
  box-shadow:var(--shadow);
  border-color:#d7dde5;
}

.panel h1,
.panel h2,
.card h3{
  color:var(--primary);
  letter-spacing:-.025em;
}

.panel h1{
  margin:0 0 10px;
  font-size:clamp(1.65rem,3vw,2.25rem);
}

.panel h2{
  margin:28px 0 14px;
  font-size:1.25rem;
}

.panel h2:first-child{margin-top:0}

.card h3{
  margin:0 0 8px;
  font-size:1.08rem;
}

p{margin:8px 0 12px}

.small{
  color:var(--muted);
  font-size:.91rem;
}

.note,.ok,.err{
  border-radius:14px;
  padding:13px 15px;
  margin:12px 0 18px;
  font-size:.94rem;
}

.note{
  background:#f1f5f9;
  border:1px solid #dce5ee;
  color:#52606d;
}

.ok{
  background:#ecf8f2;
  border:1px solid #cdebdc;
  color:#146c49;
}

.err{
  background:#fff0f0;
  border:1px solid #f0d0d0;
  color:#9f3333;
}

.fields{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px 18px;
}

.f{
  display:flex;
  flex-direction:column;
  gap:7px;
}

.f.full{
  grid-column:1/-1;
}

label{
  font-size:.88rem;
  font-weight:700;
  color:#415063;
}

input,select,textarea{
  width:100%;
  min-height:45px;
  padding:11px 13px;
  border:1px solid #d9dee6;
  border-radius:11px;
  background:#fff;
  color:var(--text);
  font:inherit;
  outline:none;
  transition:border-color .15s ease,box-shadow .15s ease,background .15s ease;
}

textarea{
  resize:vertical;
  min-height:105px;
}

input:focus,select:focus,textarea:focus{
  border-color:#8da8be;
  box-shadow:0 0 0 4px rgba(37,79,115,.10);
}

input[readonly]{
  background:#f7f9fb;
  color:#58687a;
}

input[type="checkbox"]{
  width:auto;
  min-height:auto;
  accent-color:var(--primary-2);
}

.actions{
  display:flex;
  align-items:center;
  flex-wrap:wrap;
  gap:10px;
  margin-top:18px;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  min-height:42px;
  padding:10px 16px;
  border:1px solid var(--primary);
  border-radius:11px;
  background:var(--primary);
  color:#fff;
  text-decoration:none;
  font-weight:750;
  font-size:.92rem;
  cursor:pointer;
  transition:transform .15s ease,box-shadow .15s ease,background .15s ease,border-color .15s ease;
}

.btn:hover{
  background:var(--primary-2);
  border-color:var(--primary-2);
  box-shadow:0 8px 18px rgba(23,50,77,.13);
  transform:translateY(-1px);
}

.btn.alt{
  background:#fff;
  color:var(--primary);
  border-color:#cfd7e0;
}

.btn.alt:hover{
  background:#f7f9fb;
  border-color:#bfcad5;
}

.btn.bad{
  background:#fff5f5;
  color:var(--danger);
  border-color:#efcccc;
}

.btn.bad:hover{
  background:#fdeaea;
  border-color:#e7b8b8;
}

.badge{
  display:inline-flex;
  align-items:center;
  margin:0 6px 6px 0;
  padding:6px 10px;
  border-radius:999px;
  background:#edf3f8;
  color:var(--primary-2);
  font-size:.78rem;
  font-weight:800;
  border:1px solid #dde7ef;
}

.photo{
  width:100%;
  aspect-ratio:16/10;
  border-radius:14px;
  overflow:hidden;
  background:#eef2f6;
  margin-bottom:14px;
}

.photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
}

table{
  width:100%;
  border-collapse:separate;
  border-spacing:0;
  overflow:hidden;
  border:1px solid var(--line);
  border-radius:14px;
  background:#fff;
}

th,td{
  padding:13px 14px;
  text-align:left;
  vertical-align:middle;
  border-bottom:1px solid var(--line);
  font-size:.91rem;
}

th{
  background:#f7f9fb;
  color:#506176;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.04em;
}

tr:last-child td{border-bottom:0}

#simulateur-contrat{
  border-top:4px solid var(--accent);
}

#simulateur-contrat > h2{
  padding-top:4px;
  border-top:1px solid var(--line);
  margin-top:30px;
}

#simulateur-contrat > h2:first-of-type{
  border-top:0;
  margin-top:22px;
}

#cerfa_preview{
  box-shadow:inset 0 0 0 1px #eef1f4;
}

form{margin:0}

::selection{
  background:#dbe6ef;
  color:var(--primary);
}

@media (max-width:980px){
  .grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}

@media (max-width:760px){
  .wrap{width:min(94%,1180px)}
  main.wrap{padding-top:22px}
  .hero{padding:30px 24px;border-radius:20px}
  .fields{grid-template-columns:1fr}
  .f.full{grid-column:auto}
  .grid{grid-template-columns:1fr}
  .panel{padding:20px}
  .nav{min-height:66px}
  table{
    display:block;
    overflow-x:auto;
    white-space:nowrap;
  }
}

@media (max-width:520px){
  .actions .btn{
    width:100%;
  }
  .logo{font-size:1.05rem}
  .hero h1{font-size:2rem}
}

@media print{
  header,.actions,.note{display:none!important}
  body{background:#fff}
  main.wrap{width:100%;padding:0}
  .panel,.card{box-shadow:none;border-color:#ddd}
}