/* Prêt Horizon : squelette propre à la marque (fond clair et ligne d'horizon, formulaire sous le titre,
   photo encadrée à droite, frise, pastilles, mosaïque, tuiles). Une seule famille de bleus. */
:root { --principale: #12406E; --accent: #2B7BD4; --fond: #F5F7FA; --texte: #0D1B2A; --gris: #56657A; --bord: #DFE6EF;
  --doux: #E8F0FA; --nuit: #0B2545; --clair: #8CC8FF; }
* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: "Onest", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; background: #fff; color: var(--texte); line-height: 1.5; }
svg { width: 18px; height: 18px; flex: none; }
em { font-style: normal; color: var(--accent); }
a { color: var(--accent); }
.enveloppe { max-width: 1120px; margin: 0 auto; padding: 0 20px; }

/* En-tête */
.entete { background: #fff; border-bottom: 1px solid var(--bord); }
.entete-in { display: flex; align-items: center; justify-content: space-between; height: 60px; }
.logo { display: inline-flex; align-items: center; gap: 8px; font-weight: 800; font-size: 20px; color: var(--principale); text-decoration: none; letter-spacing: -.01em; white-space: nowrap; }
.logo svg { width: 26px; height: 26px; color: var(--accent); }
.pastille-entete { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 600; color: var(--principale); white-space: nowrap; }
.pastille-entete svg { width: 16px; height: 16px; color: var(--accent); }
@media (max-width: 459px) { .pastille-entete { display: none; } }

/* Haut de page : fond bleu foncé de la marque (demandé par Olivier), ligne d'horizon en bas */
.hero { position: relative; background: radial-gradient(90% 80% at 85% 0%, rgba(140, 200, 255, .16), transparent 60%),
  linear-gradient(160deg, var(--nuit) 0%, var(--principale) 100%); color: #fff; overflow: hidden; }
.horizon { height: 6px; background: linear-gradient(90deg, var(--principale), var(--accent), var(--clair)); }
.hero-in { display: grid; gap: 24px; padding-top: 18px; padding-bottom: 28px; }
.pastille { display: inline-flex; align-items: center; gap: 8px; font-size: 12.5px; font-weight: 600; color: #fff;
  background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .2); border-radius: 8px; padding: 5px 10px; }
.point { width: 8px; height: 8px; border-radius: 2px; background: var(--clair); }
.hero h1 { font-size: 30px; line-height: 1.06; letter-spacing: -.03em; margin: 12px 0 10px; font-weight: 800; color: #fff; }
.hero h1 em { display: block; color: var(--clair); }
.hero-p { font-size: 15px; color: rgba(255, 255, 255, .85); margin: 0 0 16px; max-width: 34em; }
.hero-p strong { color: #fff; }
.hero .carte { border-color: transparent; box-shadow: 0 24px 60px rgba(4, 14, 32, .4); }
/* Le texte blanc du haut de page ne doit pas déteindre dans les éléments sur fond blanc. */
.hero .carte, .hero .jeton { color: var(--texte); }
/* Le formulaire entier doit être visible sans défiler, même sur un écran peu haut (portable ~650 px). */
.hero-droite { display: none; }
.hero-gauche { width: 100%; max-width: 560px; margin: 0 auto; }
@media (max-width: 999px) {
  .en-cours .pastille, .en-cours .hero h1 { display: none; }
}
@media (min-width: 1000px) {
  .hero-in { grid-template-columns: 520px 1fr; gap: 48px; align-items: start; padding-top: 16px; padding-bottom: 32px; }
  .hero-gauche { margin: 0; }
  .hero h1 { font-size: 38px; margin: 10px 0 14px; }
  .hero-droite { display: block; padding-top: 4px; }
  .hero-p { margin: 16px 0 0; }
}

/* Photo encadrée avec jetons */
.cadre { position: relative; border-radius: 22px 22px 22px 4px; overflow: hidden; aspect-ratio: 5 / 4; width: 100%;
  box-shadow: 0 24px 50px rgba(4, 14, 32, .4); }
.cadre img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; display: block; }
.jeton { position: absolute; background: #fff; border-radius: 12px; box-shadow: 0 10px 24px rgba(13, 27, 42, .16); }
.jeton-montant { top: 16px; left: 16px; padding: 10px 14px; display: grid; }
.jeton-montant strong { font-size: 20px; color: var(--principale); line-height: 1.1; }
.jeton-montant span { font-size: 12px; color: var(--gris); }
.jeton-points { list-style: none; margin: 0; left: 16px; right: 16px; bottom: 16px; padding: 12px 14px; display: grid; grid-template-columns: 1fr 1fr; gap: 6px 12px; font-size: 13px; font-weight: 600; }
.jeton-points li { display: flex; align-items: center; gap: 6px; }
.jeton-points svg { color: var(--accent); width: 15px; height: 15px; }
.hero-note { display: flex; gap: 8px; font-size: 13px; color: rgba(255, 255, 255, .75); margin: 14px 0 0; }
.hero-note svg { color: var(--clair); width: 16px; height: 16px; margin-top: 2px; }

/* Formulaire */
.carte { background: #fff; border: 1px solid var(--bord); border-top: 4px solid var(--accent); border-radius: 6px 6px 16px 16px; padding: 16px 18px 14px;
  box-shadow: 0 16px 40px rgba(18, 64, 110, .12); scroll-margin-top: 12px; }
.carte-tete { display: flex; justify-content: space-between; align-items: flex-start; gap: 10px; }
.carte-tete strong { display: block; font-size: 15px; color: var(--principale); }
.carte-tete small { color: var(--gris); font-size: 12px; }
.compteur { font-size: 12px; font-weight: 700; color: var(--accent); background: var(--doux); border-radius: 6px; padding: 3px 8px; white-space: nowrap; }
.progression { height: 4px; background: var(--doux); border-radius: 999px; overflow: hidden; margin: 10px 0 4px; }
.barre { height: 100%; width: 0; background: var(--accent); transition: width .3s; }
.question { font-size: 18px; font-weight: 700; margin: 10px 0 12px; letter-spacing: -.01em; }
.sous-question { font-size: 13px; color: var(--gris); margin: -6px 0 12px; }
.options { display: grid; gap: 8px; }
.option { width: 100%; display: flex; align-items: center; gap: 10px; text-align: left; font: inherit; font-size: 15px; font-weight: 500; padding: 11px 14px;
  border: 1.5px solid var(--bord); border-radius: 10px; background: #fff; color: var(--texte); cursor: pointer; transition: border-color .15s, background .15s, transform .1s; }
.option::after { content: "›"; margin-left: auto; color: var(--accent); font-size: 20px; line-height: 1; }
.option.choisie { border-color: var(--accent); background: var(--doux); }
@media (hover: hover) { .option:hover { border-color: var(--accent); background: var(--doux); } }
.option:active { transform: scale(.99); }
.opt-ic { width: 26px; height: 26px; border-radius: 7px; background: var(--doux); color: var(--principale); display: grid; place-items: center; }
.opt-ic svg { width: 16px; height: 16px; }
/* Tuiles : 2 colonnes, icône au-dessus */
.options.grille { grid-template-columns: 1fr 1fr; }
.options.grille .option { gap: 8px; padding: 11px 10px; font-weight: 600; font-size: 14.5px; line-height: 1.25; }
/* Téléphone : pas d'icône dans les tuiles pour que « 1 500 $ à 2 500 $ » tienne sur une ligne. */
@media (max-width: 479px) {
  .options.grille .opt-ic { display: none; }
  .options.grille .option { justify-content: center; text-align: center; white-space: nowrap; font-size: 14px; padding: 13px 6px; }
}
.options.grille .option::after { display: none; }
.champ { display: block; margin-bottom: 11px; }
.champ span { display: block; font-size: 13.5px; color: var(--gris); margin-bottom: 4px; }
.champ input, .champ select { width: 100%; font: inherit; font-size: 16px; padding: 12px 13px; border: 1.5px solid var(--bord); border-radius: 10px; background: #fff; color: var(--texte); }
.champ input:focus, .champ select:focus { outline: none; border-color: var(--accent); }
.champ input::placeholder { color: #9AA6B6; }
.erreur { color: #B91C1C; font-size: 14px; margin: 8px 0 0; }
.erreur:empty { margin: 0; }
.consentement { display: flex; gap: 10px; align-items: flex-start; font-size: 12px; color: var(--gris); margin-top: 10px; }
.consentement input { margin-top: 2px; flex: none; }
.actions { display: flex; gap: 10px; margin-top: 14px; }
.suivant { flex: 1; font: inherit; font-weight: 700; font-size: 16px; padding: 14px; border: 0; border-radius: 10px; background: var(--principale); color: #fff; cursor: pointer; }
.suivant:disabled { opacity: .6; cursor: wait; }
.retour { font: inherit; padding: 14px 10px; border: 0; background: none; color: var(--gris); cursor: pointer; }
.rappel { font-size: 11px; line-height: 1.4; color: var(--gris); margin: 12px 0 0; }
.rappel a { color: var(--principale); }
.pot-de-miel { position: absolute; left: -9999px; }

/* Garanties : 4 tuiles */
.garanties { padding: 22px 0 0; }
.garanties ul { list-style: none; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.garanties li { display: flex; align-items: center; gap: 10px; font-size: 13.5px; font-weight: 600; color: var(--principale);
  border: 1px solid var(--bord); border-radius: 12px; padding: 12px; }
.garanties svg { width: 30px; height: 30px; padding: 6px; border-radius: 8px; background: var(--doux); color: var(--accent); }
@media (min-width: 820px) { .garanties ul { grid-template-columns: repeat(4, 1fr); } }

/* Sections */
.section { padding: 56px 0 0; }
.section h2 { font-size: clamp(26px, 5vw, 36px); line-height: 1.12; letter-spacing: -.02em; margin: 0 0 12px; font-weight: 800; color: var(--principale); }
.section p { color: var(--gris); margin: 0 0 12px; }
.tete-gauche { max-width: 560px; margin-bottom: 24px; }
.surtitre { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent);
  border-left: 3px solid var(--accent); padding-left: 8px; margin-bottom: 10px; }
.bouton { display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; background: var(--principale); color: #fff; font-weight: 700; text-decoration: none;
  padding: 13px 20px; border-radius: 10px; }
.duo { display: grid; gap: 28px; align-items: center; }
.photo-decalee { position: relative; padding: 0 14px 14px 0; }
.photo-decalee::before { content: ""; position: absolute; inset: 14px 0 0 14px; background: var(--doux); border-radius: 18px; }
.photo-decalee img { position: relative; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 18px; display: block; }
@media (min-width: 880px) {
  .section { padding-top: 88px; }
  .duo { grid-template-columns: 1fr 1fr; gap: 64px; }
}

/* Frise des étapes */
.frise { display: grid; gap: 0; counter-reset: e; }
.frise .etape { position: relative; padding: 0 0 26px 58px; }
.frise .etape::before { content: ""; position: absolute; left: 19px; top: 40px; bottom: 0; width: 2px; background: var(--bord); }
.frise .etape:last-child::before { display: none; }
.frise .num { position: absolute; left: 0; top: 0; width: 40px; height: 40px; border-radius: 50%; background: var(--principale); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 14px; }
.frise .ic { display: none; }
.frise h3 { font-size: 17px; margin: 8px 0 4px; }
.frise p { font-size: 14.5px; margin: 0; }
@media (min-width: 880px) {
  .frise { grid-template-columns: repeat(3, 1fr); gap: 32px; }
  .frise .etape { padding: 58px 0 0; }
  .frise .etape::before { left: 48px; right: -24px; top: 19px; bottom: auto; width: auto; height: 2px; }
}

/* Même si : pastilles */
.meme-si { display: grid; gap: 22px; }
.meme-si small { display: block; margin-top: 12px; font-size: 12px; color: var(--gris); }
.pastilles { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; align-content: flex-start; }
.pastilles li { display: inline-flex; gap: 8px; align-items: center; font-size: 14.5px; background: var(--doux); border-radius: 999px; padding: 9px 15px; }
.pastilles li svg { color: var(--accent); width: 15px; height: 15px; }
@media (min-width: 880px) { .meme-si { grid-template-columns: 5fr 7fr; gap: 56px; align-items: center; } }

/* Mosaïque : une grande photo + deux petites */
.mosaique { display: grid; gap: 12px; }
.mosaique figure { margin: 0; position: relative; border-radius: 16px; overflow: hidden; aspect-ratio: 16 / 11; }
.mosaique img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; display: block; }
.mosaique figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 30px 16px 14px; color: #fff; font-weight: 700; font-size: 15px;
  background: linear-gradient(transparent, rgba(11, 37, 69, .85)); }
@media (min-width: 720px) {
  .mosaique { grid-template-columns: 3fr 2fr; grid-template-rows: 1fr 1fr; gap: 16px; height: 520px; }
  .mosaique figure { aspect-ratio: auto; }
  .mosaique figure:first-child { grid-row: 1 / 3; }
}

/* Pourquoi : tuiles */
.pourquoi { display: grid; gap: 8px; }
.tuiles { display: grid; gap: 12px; }
.point-carte { background: var(--fond); border-radius: 14px; padding: 18px; }
.point-carte .ic { width: 38px; height: 38px; border-radius: 10px; background: #fff; color: var(--accent); display: grid; place-items: center; margin-bottom: 12px; }
.point-carte h3 { font-size: 16.5px; margin: 0 0 6px; color: var(--principale); }
.point-carte p { font-size: 14px; margin: 0; }
@media (min-width: 720px) { .tuiles { grid-template-columns: 1fr 1fr; gap: 16px; } }
@media (min-width: 880px) { .pourquoi { grid-template-columns: 4fr 7fr; gap: 56px; align-items: start; } }

/* FAQ */
.faq-duo { display: grid; gap: 8px; }
.faq details { border-bottom: 1px solid var(--bord); }
.faq summary { cursor: pointer; font-weight: 600; padding: 16px 40px 16px 0; list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 12px; font-size: 22px; color: var(--accent); }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 0 16px; margin: 0; }
@media (min-width: 880px) { .faq-duo { grid-template-columns: 4fr 7fr; gap: 56px; align-items: start; } }

/* Final */
.final { display: grid; gap: 14px; align-items: center; border: 1px solid var(--bord); border-left: 6px solid var(--accent); border-radius: 16px; padding: 28px 22px;
  background: linear-gradient(90deg, var(--doux), #fff); }
.final h2 { margin-bottom: 6px; }
.final p { margin: 0; }
@media (min-width: 820px) { .final { grid-template-columns: 1fr auto; padding: 36px 40px; } }

/* Pied de page */
.pied { margin-top: 72px; background: var(--fond); border-top: 1px solid var(--bord); color: var(--gris); font-size: 12.5px; padding: 40px 0 32px; }
.pied-haut { display: grid; gap: 8px; margin-bottom: 22px; padding-bottom: 22px; border-bottom: 1px solid var(--bord); }
.pied-haut p { font-size: 14px; margin: 0; max-width: 40em; }
.pied p { margin: 0 0 12px; }
.pied strong { color: var(--texte); }
.pied a { color: var(--principale); }
.liens { margin: 18px 0 10px; }
.copie { color: #8995A6; }