/* ============================================================
   ÉQUIPE FRANCIS MAROIS — Système de marque partagé
   Courtiers hypothécaires · Partenaire Planiprêt
   Palette : bleu institutionnel + crème + bleu pâle
   ============================================================ */

:root{
  --navy:        #143a72;   /* bleu institutionnel principal */
  --navy-deep:   #0e2c57;   /* fond hero, sections sombres   */
  --navy-ink:    #0a223f;
  --blue:        #5e84b8;   /* bleu moyen                    */
  --blue-soft:   #8fb0d6;   /* accent / boutons clairs       */
  --blue-pale:   #b9cde4;   /* panneaux                      */
  --blue-mist:   #dfe9f4;
  --cream:       #f1ede3;   /* fond crème                    */
  --cream-2:     #faf8f2;   /* cartes                        */
  --ink:         #1b2535;   /* texte sur fond clair          */
  --muted:       #5b6677;   /* texte secondaire              */
  --line:        #e2dccf;
  --white:       #ffffff;
  --gold:        #c9a24b;   /* accent chaleureux discret     */

  --radius:      14px;
  --radius-lg:   22px;
  --shadow-sm:   0 2px 10px rgba(20,58,114,.08);
  --shadow-md:   0 14px 40px rgba(14,44,87,.14);
  --maxw:        1180px;

  --ff-sans: 'Mulish', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --ff-serif:'Lora', Georgia, serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--ff-sans);
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
@media(max-width:680px){.section{padding:64px 0}}

/* ---------- Typographie ---------- */
h1,h2,h3{line-height:1.08;letter-spacing:-.015em;font-weight:800;color:var(--navy)}
h1{font-size:clamp(2.3rem,6vw,4rem)}
h2{font-size:clamp(1.9rem,4.4vw,3rem)}
h3{font-size:clamp(1.2rem,2.4vw,1.55rem);font-weight:700}
.serif-it{font-family:var(--ff-serif);font-style:italic;font-weight:500}
.accent{font-style:italic;color:var(--blue-soft);font-weight:700}

.eyebrow{
  display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.28em;
  text-transform:uppercase;color:var(--blue);margin-bottom:18px;
}
.eyebrow.on-dark{color:var(--blue-soft)}
.lead{font-size:clamp(1.05rem,1.7vw,1.25rem);color:var(--muted);max-width:60ch}
.lead.on-dark{color:rgba(255,255,255,.82)}

/* ---------- Boutons (ombre décalée signature) ---------- */
.btn{
  --bs:#0c2a54;
  display:inline-flex;align-items:center;gap:10px;
  font-family:var(--ff-sans);font-weight:700;font-size:1.02rem;
  padding:16px 30px;border:none;border-radius:8px;cursor:pointer;
  background:var(--blue-soft);color:var(--navy-deep);
  box-shadow:7px 7px 0 var(--bs);
  transition:transform .14s ease, box-shadow .14s ease, background .2s;
  position:relative;
}
.btn:hover{transform:translate(2px,2px);box-shadow:4px 4px 0 var(--bs)}
.btn:active{transform:translate(5px,5px);box-shadow:1px 1px 0 var(--bs)}
.btn--cream{background:var(--cream-2);color:var(--navy);--bs:#9fb5cf}
.btn--navy{background:var(--navy);color:#fff;--bs:#8fb0d6}
.btn--ghost{background:transparent;box-shadow:none;color:#fff;border:1.5px solid rgba(255,255,255,.4);padding:15px 26px}
.btn--ghost:hover{background:rgba(255,255,255,.08);transform:none;box-shadow:none}
.btn--lg{padding:19px 38px;font-size:1.1rem}
.btn .arr{transition:transform .2s}
.btn:hover .arr{transform:translateX(4px)}

/* ---------- Topbar Planiprêt ---------- */
.topbar{background:var(--navy-deep);color:rgba(255,255,255,.85);font-size:.82rem;
  letter-spacing:.04em}
.topbar .wrap{display:flex;justify-content:flex-end;align-items:center;gap:8px;padding-top:9px;padding-bottom:9px}
.topbar b{color:#fff;font-weight:700}

/* ---------- Header ---------- */
.hdr{position:sticky;top:0;z-index:50;background:rgba(241,237,227,.92);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{display:flex;flex-direction:column;line-height:1}
.logo-img{height:48px;width:auto;display:block}
@media(max-width:560px){.logo-img{height:40px}}
.logo-fallback{display:none;flex-direction:column;line-height:1}
.logo .kicker{font-size:.62rem;letter-spacing:.42em;color:var(--blue);font-weight:700;margin-bottom:3px}
.logo .name{font-size:1.7rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.logo .name i{font-family:var(--ff-serif);font-style:italic;font-weight:500;color:var(--blue-soft)}
.nav{display:flex;align-items:center;gap:30px}
.nav a.lnk{font-weight:600;font-size:.92rem;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);opacity:.85}
.nav a.lnk:hover{opacity:1}
.hdr .btn{padding:12px 22px;font-size:.92rem;box-shadow:5px 5px 0 var(--bs)}
.burger{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px}
.burger span{width:26px;height:2.5px;background:var(--navy);border-radius:2px}
@media(max-width:900px){
  .nav .lnk{display:none}
  .burger{display:flex}
}

/* ---------- HERO ---------- */
.hero{background:var(--navy-deep);color:#fff;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;
  background:radial-gradient(900px 500px at 80% -10%,rgba(143,176,214,.22),transparent 60%);}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
  padding:84px 0 92px}
.hero h1{color:#fff}
.hero h1 .accent{color:var(--blue-soft)}
.hero .lead{margin:22px 0 34px;color:rgba(255,255,255,.8)}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap}
.hero-figure{position:relative}
.hero-figure img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);
  aspect-ratio:4/3;object-fit:cover;background:#1c4178}
.hero-figure .panel{position:absolute;right:-18px;bottom:-22px;background:var(--blue-soft);
  color:var(--navy-deep);padding:18px 22px;border-radius:14px;box-shadow:var(--shadow-md);max-width:230px}
.hero-figure .panel b{font-size:1.9rem;display:block;font-weight:800;line-height:1}
.hero-figure .panel span{font-size:.86rem;font-weight:600}
.hero-trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px;color:rgba(255,255,255,.78);font-size:.92rem}
.hero-trust div{display:flex;align-items:center;gap:8px}
.hero-trust svg{width:18px;height:18px;stroke:var(--blue-soft);fill:none;stroke-width:2.2}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:48px;padding:60px 0 70px}
  .hero-figure{max-width:480px}
}

/* ---------- Bandeau prêteurs / logos ---------- */
.lenders{background:var(--cream);border-bottom:1px solid var(--line);padding:30px 0}
.lenders p{text-align:center;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;
  color:var(--muted);font-weight:700;margin-bottom:18px}
.lenders .row{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 26px}
.lenders .chip{background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:9px 18px;font-weight:700;color:var(--navy);font-size:.84rem;box-shadow:var(--shadow-sm)}
.lenders-label{text-align:center;font-size:.8rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--muted);font-weight:700;margin-bottom:24px}

/* ---------- Scroller (marquee infini de logos) ---------- */
.marquee{position:relative;overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marquee-track{display:flex;align-items:center;gap:64px;width:max-content;
  animation:marquee 55s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.marquee img{height:40px;width:auto;max-width:160px;object-fit:contain;
  filter:grayscale(1);opacity:.6;transition:filter .25s,opacity .25s}
.marquee img:hover{filter:none;opacity:1}
@media(max-width:680px){.marquee img{height:30px;max-width:124px}.marquee-track{gap:44px}}
@media(prefers-reduced-motion:reduce){.marquee-track{animation:none;flex-wrap:wrap;justify-content:center}}

/* ---------- Social proof : stats + grille de prêteurs ---------- */
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px;
  max-width:860px;margin:0 auto 50px}
.stat{text-align:center;background:var(--cream-2);border:1px solid var(--line);border-radius:16px;
  padding:26px 16px;box-shadow:var(--shadow-sm)}
.stat b{display:block;font-size:clamp(1.9rem,4.4vw,2.6rem);font-weight:800;color:var(--navy);line-height:1}
.stat span{font-size:.88rem;color:var(--muted);font-weight:600;margin-top:8px;display:block}

.logo-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:16px;align-items:stretch}
@media(max-width:880px){.logo-grid{grid-template-columns:repeat(4,1fr)}}
@media(max-width:520px){.logo-grid{grid-template-columns:repeat(3,1fr)}}
.logo-grid .cell{background:var(--cream-2);border:1px solid var(--line);border-radius:12px;
  min-height:76px;display:grid;place-items:center;padding:14px;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s}
.logo-grid .cell:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.logo-grid img{max-height:42px;max-width:100%;width:auto;object-fit:contain;
  filter:grayscale(1);opacity:.72;transition:filter .25s,opacity .25s}
.logo-grid .cell:hover img{filter:none;opacity:1}

/* ---------- Sections génériques ---------- */
.center{text-align:center;margin:0 auto 56px;max-width:720px}
.center .lead{margin:18px auto 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.rev .txt{order:2}
@media(max-width:880px){.split{grid-template-columns:1fr;gap:38px}.split.rev .txt{order:0}}
.figure-panel{position:relative}
.figure-panel img{border-radius:var(--radius-lg);box-shadow:var(--shadow-md);aspect-ratio:4/3;object-fit:cover;background:var(--blue-pale)}
.figure-panel::after{content:"";position:absolute;inset:18px -18px -18px 18px;
  background:var(--blue-pale);border-radius:var(--radius-lg);z-index:-1}

.bg-cream{background:var(--cream-2)}
.bg-navy{background:var(--navy-deep);color:#fff}
.bg-navy h2,.bg-navy h3{color:#fff}
.bg-pale{background:var(--blue-mist)}

/* ---------- Cartes "pourquoi nous" ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:820px){.cards{grid-template-columns:1fr}}
.card{background:var(--cream-2);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.card .ic{width:52px;height:52px;border-radius:13px;display:grid;place-items:center;
  background:var(--blue-mist);margin-bottom:18px}
.card .ic svg{width:26px;height:26px;stroke:var(--navy);fill:none;stroke-width:2}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.97rem}

/* ---------- Étapes (process) ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
@media(max-width:820px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding-top:14px}
.step .num{font-family:var(--ff-serif);font-style:italic;font-size:2.4rem;color:var(--blue-soft);font-weight:600;line-height:1}
.step h3{margin:10px 0 6px;font-size:1.1rem}
.step p{color:var(--muted);font-size:.94rem}
.bg-navy .step .num{color:var(--blue-soft)}
.bg-navy .step p{color:rgba(255,255,255,.78)}

/* ---------- Témoignages ---------- */
.temos{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:880px){.temos{grid-template-columns:1fr}}
.temo{background:var(--cream-2);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:var(--shadow-sm)}
.temo .stars{color:var(--gold);letter-spacing:2px;margin-bottom:12px}
.temo p{font-size:1rem;color:var(--ink)}
.temo .who{display:flex;align-items:center;gap:12px;margin-top:18px}
.temo .who img{width:46px;height:46px;border-radius:50%;object-fit:cover;background:var(--blue-pale)}
.temo .who b{display:block;font-size:.92rem;color:var(--navy)}
.temo .who span{font-size:.82rem;color:var(--muted)}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto}
.faq details{background:var(--cream-2);border:1px solid var(--line);border-radius:12px;
  padding:4px 22px;margin-bottom:12px}
.faq summary{list-style:none;cursor:pointer;font-weight:700;color:var(--navy);
  padding:18px 0;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding:0 0 18px}

/* ============================================================
   FORMULAIRE MULTI-ÉTAPES (engine partagé — marois.js)
   ============================================================ */
.form-section{position:relative}
/* La carte contenant tout le formulaire (toujours sur fond navy) */
.msf{max-width:680px;margin:0 auto;background:#15386e;border:1px solid #2a5290;
  border-radius:28px;padding:clamp(26px,4vw,48px);box-shadow:0 34px 80px rgba(0,0,0,.30);position:relative}

.msf-prog{height:7px;background:rgba(255,255,255,.14);border-radius:99px;overflow:hidden;margin-bottom:10px}
.msf-prog i{display:block;height:100%;width:0;border-radius:99px;
  background:linear-gradient(90deg,var(--blue),var(--blue-soft));
  transition:width .5s cubic-bezier(.4,0,.2,1)}
.msf-meta{display:flex;justify-content:space-between;font-size:.82rem;color:rgba(255,255,255,.7);
  font-weight:700;letter-spacing:.02em;margin-bottom:30px}

.msf-step{display:none;animation:msfIn .42s cubic-bezier(.22,1,.36,1)}
.msf-step.active{display:block}
@keyframes msfIn{from{opacity:0;transform:translateX(26px)}to{opacity:1;transform:none}}
.msf-q{font-size:clamp(1.5rem,3.4vw,1.95rem);font-weight:800;color:#fff;margin-bottom:10px;
  letter-spacing:-.02em;line-height:1.15}
.msf-sub{color:rgba(255,255,255,.74);font-size:1.02rem;margin-bottom:30px;line-height:1.5}

/* options cliquables type carte */
.msf-opts{display:grid;gap:14px}
.msf-opts.cols2{grid-template-columns:1fr 1fr}
@media(max-width:520px){.msf-opts.cols2{grid-template-columns:1fr}}
.msf-opt{display:flex;align-items:center;gap:16px;padding:18px 20px;border:1.5px solid #2a5290;
  border-radius:16px;background:#102e5a;cursor:pointer;color:#eaf1fa;text-align:left;width:100%;
  font-family:var(--ff-sans);transition:transform .15s cubic-bezier(.34,1.4,.5,1),border-color .15s,background .15s,box-shadow .15s}
.msf-opt:hover{transform:translateY(-2px);border-color:var(--blue-soft);background:#13356a;box-shadow:0 10px 26px rgba(0,0,0,.25)}
.msf-opt.sel{border-color:var(--blue-soft);background:#1c4079;box-shadow:0 8px 24px rgba(143,176,214,.18)}
.opt-ic{width:48px;height:48px;border-radius:13px;background:rgba(143,176,214,.16);flex:0 0 auto;
  display:grid;place-items:center;transition:background .18s}
.opt-ic svg{width:24px;height:24px;stroke:var(--blue-soft);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.msf-opt.sel .opt-ic{background:var(--blue-soft)}
.msf-opt.sel .opt-ic svg{stroke:var(--navy-deep)}
.opt-label{flex:1;font-weight:700;font-size:1.05rem;line-height:1.3}
@media(max-width:520px){.opt-label{font-size:.99rem}.opt-ic{width:42px;height:42px}}
.opt-chk{width:26px;height:26px;border-radius:50%;border:2px solid #3c609a;flex:0 0 auto;
  display:grid;place-items:center;transition:all .15s}
.opt-chk svg{width:15px;height:15px;stroke:var(--navy-deep);fill:none;stroke-width:3.4;
  stroke-linecap:round;stroke-linejoin:round;opacity:0;transition:opacity .15s}
.msf-opt.sel .opt-chk{background:var(--blue-soft);border-color:var(--blue-soft)}
.msf-opt.sel .opt-chk svg{opacity:1}

/* champs texte */
.msf-field{margin-bottom:18px}
.msf-field label{display:block;font-weight:700;font-size:.9rem;margin-bottom:9px;color:#dbe6f5}
.msf-field input{width:100%;padding:17px 18px;border:1.5px solid #2a5290;border-radius:14px;
  font-family:var(--ff-sans);font-size:1.05rem;background:#102e5a;color:#fff;transition:border-color .15s,box-shadow .15s}
.msf-field input::placeholder{color:rgba(255,255,255,.4)}
.msf-field input:focus{outline:none;border-color:var(--blue-soft);box-shadow:0 0 0 4px rgba(143,176,214,.15)}
.msf-field input.err{border-color:#e08079}
.msf-field .hint{font-size:.82rem;color:rgba(255,255,255,.6);margin-top:7px}

/* nav du form */
.msf-nav{display:flex;gap:12px;align-items:center;margin-top:32px}
.msf-nav .spacer{flex:1}
.msf-back{background:none;border:none;color:var(--muted);font-weight:700;cursor:pointer;
  font-family:var(--ff-sans);font-size:.95rem;padding:8px 4px}
.msf-back:hover{color:var(--navy)}
.bg-navy .msf-back{color:rgba(255,255,255,.7)}
.msf-trust{text-align:center;font-size:.8rem;color:var(--muted);margin-top:18px;display:flex;
  align-items:center;justify-content:center;gap:7px}
.bg-navy .msf-trust{color:rgba(255,255,255,.65)}
.msf-trust svg{width:15px;height:15px;stroke:var(--blue);fill:none;stroke-width:2}
.bg-navy .msf-trust svg{stroke:var(--blue-soft)}

/* écran de succès */
.msf-done{display:none;text-align:center;padding:18px 6px}
.msf-done.show{display:block;animation:msfIn .4s ease}
.msf-done .check{width:74px;height:74px;border-radius:50%;background:var(--blue-soft);margin:0 auto 20px;
  display:grid;place-items:center}
.msf-done .check svg{width:38px;height:38px;stroke:var(--navy-deep);fill:none;stroke-width:3}
.msf-done h3{font-size:1.7rem;margin-bottom:10px}
.bg-navy .msf-done h3{color:#fff}
.msf-done p{color:var(--muted);max-width:42ch;margin:0 auto}
.bg-navy .msf-done p{color:rgba(255,255,255,.78)}

/* ---------- Footer ---------- */
.ftr{background:var(--navy-ink);color:rgba(255,255,255,.7);padding:60px 0 30px}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
@media(max-width:760px){.ftr-grid{grid-template-columns:1fr;gap:28px}}
.ftr .logo .name{color:#fff}
.ftr h4{color:#fff;font-size:.95rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.ftr a{display:block;padding:5px 0;font-size:.94rem}
.ftr a:hover{color:#fff}
.ftr p{font-size:.92rem;margin-top:12px}
.ftr-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.82rem;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:rgba(255,255,255,.5)}

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(14,44,87,.97);
  backdrop-filter:blur(8px);padding:12px 16px;display:none;gap:12px;align-items:center;
  box-shadow:0 -6px 24px rgba(0,0,0,.2)}
.sticky-cta b{color:#fff;font-size:.9rem;flex:1}
.sticky-cta .btn{padding:13px 20px;font-size:.92rem}
@media(max-width:760px){.sticky-cta{display:flex}body{padding-bottom:74px}}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}