@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Source+Serif+4:ital,opsz,wght@0,8..60,300;0,8..60,400;0,8..60,600;1,8..60,400&display=swap');

:root {
  --navy: #1a2744;
  --green: #1a7a4a;
  --gold: #c9a227;
  --gold-light: #f5e9c0;
  --bg: #f7f5f0;
  --text: #2c2c2c;
  --text-light: #555;
  --border: #ddd9d0;
  --red: #c0392b;
  --red-light: #fdf0ef;
  --blue: #2563a8;
  --blue-light: #edf3fb;
  --r: 8px;
  --sh: 0 2px 12px rgba(26,39,68,0.08);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Source Serif 4',Georgia,serif;background:var(--bg);color:var(--text);font-size:17px;line-height:1.75}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}

/* HEADER */
header{background:var(--navy);padding:0 24px;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,0.2)}
.header-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-family:'Playfair Display',serif;font-size:1.32rem;font-weight:700;color:#fff;text-decoration:none;display:flex;align-items:center;gap:9px;flex-shrink:0}
.logo span{color:var(--gold)}
.logo:hover{text-decoration:none}
nav{display:flex;gap:3px;align-items:center}
nav a{color:rgba(255,255,255,0.82);font-size:0.87rem;padding:8px 12px;border-radius:4px;transition:background .2s,color .2s;text-decoration:none}
nav a:hover{background:rgba(201,162,39,0.18);color:var(--gold);text-decoration:none}
.nav-cta{background:var(--gold)!important;color:var(--navy)!important;font-weight:600;margin-left:4px}
.nav-cta:hover{background:#b8911f!important;color:var(--navy)!important}
.burger{display:none;background:none;border:none;cursor:pointer;color:white;font-size:1.5rem;padding:4px}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#243566 100%);color:white;padding:72px 24px 64px;text-align:center}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(1.9rem,5vw,3.1rem);line-height:1.22;margin-bottom:18px}
.hero h1 span{color:var(--gold)}
.hero p{font-size:1.05rem;color:rgba(255,255,255,0.82);max-width:580px;margin:0 auto 32px}
.hero-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.btn-primary{background:var(--gold);color:var(--navy);padding:13px 26px;border-radius:var(--r);font-weight:600;font-size:.97rem;text-decoration:none;transition:background .2s;display:inline-block}
.btn-primary:hover{background:#b8911f;text-decoration:none;color:var(--navy)}
.btn-secondary{border:2px solid rgba(255,255,255,0.42);color:white;padding:13px 26px;border-radius:var(--r);font-size:.97rem;text-decoration:none;transition:border-color .2s,color .2s;display:inline-block}
.btn-secondary:hover{border-color:var(--gold);color:var(--gold);text-decoration:none}

/* SECTIONS */
.section-wrap{max-width:1200px;margin:60px auto;padding:0 24px}
.section-title{font-family:'Playfair Display',serif;font-size:1.75rem;color:var(--navy);text-align:center;margin-bottom:8px}
.section-subtitle{text-align:center;color:var(--text-light);margin-bottom:36px;font-size:.98rem}

/* GRILLES */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}
.cat-card{background:white;border-radius:var(--r);padding:28px 20px;text-align:center;border:1px solid var(--border);box-shadow:var(--sh);transition:transform .2s,box-shadow .2s;text-decoration:none;color:var(--text);display:block}
.cat-card:hover{transform:translateY(-4px);box-shadow:0 8px 24px rgba(26,39,68,0.12);text-decoration:none;color:var(--text)}
.cat-icon{font-size:2.8rem;margin-bottom:13px;display:block}
.cat-card h3{font-family:'Playfair Display',serif;font-size:1.22rem;color:var(--navy);margin-bottom:7px}
.cat-card p{font-size:.87rem;color:var(--text-light);line-height:1.5}
.cat-count{display:inline-block;background:var(--gold-light);color:var(--navy);font-size:.76rem;padding:3px 10px;border-radius:20px;margin-top:11px;font-weight:600}

.articles-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px}
.article-card{background:white;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--sh);overflow:hidden;transition:transform .2s}
.article-card:hover{transform:translateY(-3px)}
.article-card-badge{background:var(--green);color:white;font-size:.71rem;font-weight:700;padding:5px 14px;text-transform:uppercase;letter-spacing:.06em;display:block}
.article-card-body{padding:17px 19px}
.article-card h3{font-family:'Playfair Display',serif;font-size:1.03rem;color:var(--navy);margin-bottom:7px;line-height:1.4}
.article-card p{font-size:.87rem;color:var(--text-light);line-height:1.5;margin-bottom:12px}
.article-card a{color:var(--green);font-size:.87rem;font-weight:600}
.article-card a:hover{text-decoration:underline}

/* SIMULATEUR TEASER */
.simu-teaser{background:var(--navy);color:white;padding:56px 24px;text-align:center}
.simu-teaser h2{font-family:'Playfair Display',serif;font-size:1.82rem;margin-bottom:13px}
.simu-teaser p{color:rgba(255,255,255,0.78);max-width:500px;margin:0 auto 24px;font-size:.98rem}

/* PAGE HEADER */
.page-header{background:linear-gradient(135deg,var(--navy) 0%,#243566 100%);padding:44px 24px 38px;color:white}
.breadcrumb{font-size:.81rem;color:rgba(255,255,255,0.58);margin-bottom:13px}
.breadcrumb a{color:rgba(255,255,255,0.75);text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}
.page-header h1{font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.3rem);line-height:1.26;max-width:820px}
.page-header .meta{margin-top:13px;font-size:.81rem;color:rgba(255,255,255,0.58);display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.meta-tag{background:var(--gold);color:var(--navy);font-size:.71rem;font-weight:700;padding:3px 11px;border-radius:20px;text-transform:uppercase;letter-spacing:.06em}

/* CONTENT LAYOUT */
.content-wrapper{max-width:1200px;margin:0 auto;padding:40px 24px;display:grid;grid-template-columns:1fr 295px;gap:40px;align-items:start}

/* ARTICLE */
.article-content h2{font-family:'Playfair Display',serif;font-size:1.42rem;color:var(--navy);margin:36px 0 14px;padding-bottom:8px;border-bottom:2px solid var(--gold)}
.article-content h3{font-family:'Playfair Display',serif;font-size:1.13rem;color:var(--navy);margin:24px 0 10px}
.article-content p{margin-bottom:16px}
.article-content ul,.article-content ol{margin:13px 0 17px 22px}
.article-content li{margin-bottom:7px}
.article-content strong{color:var(--navy)}
.article-content table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.92rem}
.article-content th{background:var(--navy);color:white;padding:11px 15px;text-align:left;font-family:'Playfair Display',serif;font-weight:600}
.article-content td{padding:9px 15px;border-bottom:1px solid var(--border)}
.article-content tr:nth-child(even) td{background:#f0ede6}

.intro-box{background:var(--gold-light);border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0;padding:17px 21px;margin-bottom:28px;font-size:1.02rem;color:var(--navy);line-height:1.7}
.key-numbers{background:var(--navy);border-radius:var(--r);padding:24px;margin:28px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(125px,1fr));gap:16px}
.key-number{text-align:center}
.key-number .number{font-family:'Playfair Display',serif;font-size:1.85rem;font-weight:700;color:var(--gold);display:block}
.key-number .label{color:rgba(255,255,255,0.76);font-size:.81rem;line-height:1.3}

.steps{margin:24px 0}
.step{display:flex;gap:17px;margin-bottom:20px;align-items:flex-start}
.step-num{background:var(--green);color:white;width:33px;height:33px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-weight:700;font-size:.93rem;flex-shrink:0;margin-top:3px}
.step-content h4{font-family:'Playfair Display',serif;color:var(--navy);margin-bottom:5px;font-size:1rem}
.step-content p{font-size:.92rem;margin:0}

.alert{padding:14px 17px;border-radius:var(--r);margin:20px 0;display:flex;gap:12px;align-items:flex-start}
.alert-icon{font-size:1.2rem;flex-shrink:0}
.alert-danger{background:var(--red-light);border-left:4px solid var(--red)}
.alert-danger .alert-title{color:var(--red)}
.alert-info{background:var(--blue-light);border-left:4px solid var(--blue)}
.alert-info .alert-title{color:var(--blue)}
.alert-success{background:#edf7f1;border-left:4px solid var(--green)}
.alert-success .alert-title{color:var(--green)}
.alert-title{font-weight:700;display:block;margin-bottom:3px;font-size:.92rem}
.alert p{font-size:.87rem;margin:0;line-height:1.5}

.faq{margin:28px 0}
.faq-item{border-bottom:1px solid var(--border)}
.faq-question{width:100%;background:none;border:none;padding:16px 0;text-align:left;font-family:'Playfair Display',serif;font-size:1rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:13px}
.faq-question:hover{color:var(--green)}
.faq-chevron{font-size:1.1rem;transition:transform .3s;flex-shrink:0;color:var(--green)}
.faq-item.open .faq-chevron{transform:rotate(180deg)}
.faq-answer{display:none;padding:0 0 15px;font-size:.92rem;color:var(--text-light);line-height:1.7}
.faq-item.open .faq-answer{display:block}

.related-articles{margin-top:44px}
.related-articles h3{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.22rem;margin-bottom:16px;border-bottom:2px solid var(--gold);padding-bottom:8px}
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:13px}
.related-card{background:white;border:1px solid var(--border);border-radius:var(--r);padding:14px;transition:transform .2s;text-decoration:none;color:var(--text);display:block}
.related-card:hover{transform:translateY(-2px);text-decoration:none;color:var(--text)}
.related-card .rc-cat{font-size:.71rem;color:var(--green);font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px}
.related-card h4{font-family:'Playfair Display',serif;font-size:.9rem;color:var(--navy);line-height:1.4}

/* SIDEBAR */
.sidebar{position:sticky;top:80px}
.sidebar-box{background:white;border:1px solid var(--border);border-radius:var(--r);padding:20px;margin-bottom:20px;box-shadow:var(--sh)}
.sidebar-box h3{font-family:'Playfair Display',serif;font-size:1rem;color:var(--navy);margin-bottom:13px;padding-bottom:9px;border-bottom:2px solid var(--gold)}
.sidebar-nav ul{list-style:none}
.sidebar-nav li{border-bottom:1px solid var(--border)}
.sidebar-nav li:last-child{border-bottom:none}
.sidebar-nav a{display:block;padding:9px 0;color:var(--text);font-size:.87rem;text-decoration:none;transition:color .2s}
.sidebar-nav a:hover{color:var(--green)}
.sidebar-cta{background:var(--navy);color:white;border-radius:var(--r);padding:20px;text-align:center;margin-bottom:20px}
.sidebar-cta h3{color:white;border-bottom-color:rgba(255,255,255,0.15)}
.sidebar-cta p{color:rgba(255,255,255,0.76);font-size:.87rem;margin-bottom:13px}
.sidebar-cta a{background:var(--gold);color:var(--navy);padding:9px 18px;border-radius:var(--r);font-weight:600;font-size:.87rem;text-decoration:none;display:inline-block}
.sidebar-cta a:hover{background:#b8911f;text-decoration:none;color:var(--navy)}
.sidebar-adsense{background:#f0ede6;border:1px dashed var(--border);text-align:center;padding:13px;border-radius:var(--r)}
.ad-label{font-size:.67rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px;display:block}
.ad-instream{background:#f0ede6;border:1px dashed var(--border);padding:13px;margin:26px 0;border-radius:var(--r);text-align:center}

/* PILIER */
.pillar-intro{font-size:1.03rem;color:var(--text-light);margin-bottom:28px;max-width:680px;line-height:1.7}
.pillar-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(265px,1fr));gap:17px;margin:26px 0}
.pillar-card{background:white;border:1px solid var(--border);border-radius:var(--r);padding:20px;box-shadow:var(--sh);text-decoration:none;color:var(--text);display:block;transition:transform .2s;border-top:3px solid var(--green)}
.pillar-card:hover{transform:translateY(-3px);text-decoration:none;color:var(--text)}
.pillar-card h3{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.03rem;margin-bottom:6px;line-height:1.3}
.pillar-card p{font-size:.87rem;color:var(--text-light);line-height:1.5}
.pillar-card .arrow{color:var(--green);font-weight:700;margin-top:9px;display:block;font-size:.87rem}

/* SIMULATEUR */
.simulator{max-width:820px;margin:0 auto;padding:40px 24px}
.sim-card{background:white;border-radius:var(--r);padding:34px;box-shadow:var(--sh);border:1px solid var(--border)}
.sim-card h2{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.42rem;margin-bottom:7px}
.sim-card .intro{color:var(--text-light);margin-bottom:24px;font-size:.92rem}
.form-group{margin-bottom:18px}
.form-group label{display:block;font-weight:600;color:var(--navy);margin-bottom:7px;font-size:.92rem}
.form-group select{width:100%;padding:10px 13px;border:1px solid var(--border);border-radius:var(--r);font-family:'Source Serif 4',serif;font-size:.92rem;color:var(--text);background:white;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='7' viewBox='0 0 11 7'%3E%3Cpath d='M1 1l4.5 4.5L10 1' stroke='%231a2744' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:34px}
.radio-group,.checkbox-group{display:flex;flex-direction:column;gap:9px}
.radio-group label,.checkbox-group label{display:flex;align-items:center;gap:9px;font-weight:normal;cursor:pointer;font-size:.92rem;color:var(--text)}
.radio-group input[type="radio"],.checkbox-group input[type="checkbox"]{width:16px;height:16px;accent-color:var(--green);cursor:pointer}
.sim-btn{background:var(--green);color:white;border:none;padding:13px 30px;border-radius:var(--r);font-family:'Source Serif 4',serif;font-size:.98rem;font-weight:600;cursor:pointer;width:100%;transition:background .2s;margin-top:6px}
.sim-btn:hover{background:#145e38}
.sim-results{display:none;margin-top:28px;padding-top:28px;border-top:2px solid var(--border)}
.sim-results.visible{display:block}
.sim-results h3{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.22rem;margin-bottom:17px}
.budget-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(145px,1fr));gap:13px;margin-bottom:20px}
.budget-item{background:var(--bg);border-radius:var(--r);padding:14px;text-align:center;border:1px solid var(--border)}
.budget-item .amount{font-family:'Playfair Display',serif;font-size:1.42rem;font-weight:700;color:var(--navy);display:block}
.budget-item .label{font-size:.76rem;color:var(--text-light);margin-top:3px}
.budget-total{background:var(--navy);color:white;border-radius:var(--r);padding:17px 21px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:7px}
.budget-total .t-label{font-size:.87rem;opacity:.78}
.budget-total .t-amount{font-family:'Playfair Display',serif;font-size:1.85rem;font-weight:700;color:var(--gold)}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,0.67);padding:48px 24px 24px;margin-top:80px}
.footer-inner{max-width:1200px;margin:0 auto 36px;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px}
.footer-brand .logo{margin-bottom:13px}
.footer-brand p{font-size:.82rem;line-height:1.6}
footer h4{font-family:'Playfair Display',serif;color:white;margin-bottom:13px;font-size:.95rem}
footer ul{list-style:none}
footer ul li{margin-bottom:7px}
footer ul a{color:rgba(255,255,255,0.57);font-size:.82rem;text-decoration:none;transition:color .2s}
footer ul a:hover{color:var(--gold)}
.footer-bottom{max-width:1200px;margin:0 auto;padding-top:20px;border-top:1px solid rgba(255,255,255,0.1);display:flex;justify-content:space-between;align-items:center;font-size:.77rem;flex-wrap:wrap;gap:9px}
.footer-bottom a{color:rgba(255,255,255,0.54)}
.footer-bottom a:hover{color:var(--gold)}

/* RESPONSIVE */
@media(max-width:900px){.content-wrapper{grid-template-columns:1fr}.sidebar{position:static}.footer-inner{grid-template-columns:1fr 1fr}}
@media(max-width:640px){nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);padding:12px;z-index:200;flex-direction:column;border-top:1px solid rgba(255,255,255,0.1)}nav.open{display:flex}.burger{display:block}.footer-inner{grid-template-columns:1fr}.key-numbers{grid-template-columns:1fr 1fr}.content-wrapper{padding:24px 16px}.sim-card{padding:22px 16px}}

/* ===== IMAGES ARTICLES ===== */
.article-img {
  width: 100%;
  border-radius: var(--r);
  margin: 0 0 28px;
  display: block;
  object-fit: cover;
  max-height: 380px;
}
.img-caption {
  font-size: .78rem;
  color: var(--text-light);
  text-align: center;
  margin-top: -20px;
  margin-bottom: 28px;
  font-style: italic;
}

/* ===== BLOC ÉDITORIAL ===== */
.editorial-box {
  background: linear-gradient(135deg, #edf7f1 0%, #f5e9c0 100%);
  border: 1px solid var(--gold);
  border-left: 4px solid var(--green);
  border-radius: 0 var(--r) var(--r) 0;
  padding: 20px 24px;
  margin: 32px 0;
}
.editorial-box .ed-label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--green);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.editorial-box p {
  font-size: .95rem;
  color: var(--navy);
  margin: 0;
  line-height: 1.7;
}