/* Direction artistique :
   Revolead — conseil & mise en relation assurance, Genève. Ambiance banque privée / family office.
   Palette : rouge profond #7A1622 (primaire), or discret #B99753 (accent), charbon #16161A, ivoire #F7F4EE.
   Typo : Cormorant Garamond (titres, serif racé) + Lato (texte). Parti pris : asymétrie éditoriale,
   filets fins (hairlines), lettrages espacés en capitales, beaucoup de blanc, angles droits. */

:root {
  --rouge: #7A1622;
  --rouge-fonce: #5C0F19;
  --or: #B99753;
  --charbon: #16161A;
  --encre: #26262B;
  --ivoire: #F7F4EE;
  --ivoire-sombre: #EFEAE0;
  --blanc: #FFFFFF;
  --gris-texte: #55555C;
  --filet: rgba(22, 22, 26, 0.14);
  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Lato', 'Helvetica Neue', Arial, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--encre);
  background: var(--blanc);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }

a { color: var(--rouge); text-decoration: none; transition: color .2s; }
a:hover { color: var(--rouge-fonce); }
a:focus-visible, button:focus-visible {
  outline: 2px solid var(--or);
  outline-offset: 3px;
}

.conteneur { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ---------- Typographie ---------- */

h1, h2, h3, .titre-serif {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.15;
  color: var(--charbon);
}

h1 { font-size: clamp(2.6rem, 6vw, 4.4rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); }
h3 { font-size: 1.35rem; }

.surtitre {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--or);
  display: inline-flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}
.surtitre::before {
  content: "";
  width: 34px;
  height: 1px;
  background: var(--or);
  display: inline-block;
}

.intro-page { font-size: 1.15rem; color: var(--gris-texte); max-width: 60ch; }

/* ---------- Boutons ---------- */

.btn {
  display: inline-block;
  font-family: var(--sans);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 16px 32px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background .2s, color .2s, border-color .2s, transform .2s;
}
.btn-plein { background: var(--rouge); color: var(--blanc); }
.btn-plein:hover { background: var(--rouge-fonce); color: var(--blanc); transform: translateY(-1px); }
.btn-contour { background: transparent; color: var(--charbon); border-color: var(--charbon); }
.btn-contour:hover { background: var(--charbon); color: var(--blanc); }
.btn-contour-clair { background: transparent; color: var(--blanc); border-color: rgba(255,255,255,.5); }
.btn-contour-clair:hover { background: var(--blanc); color: var(--charbon); }

/* ---------- Header / nav ---------- */

.header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--filet);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 76px;
}
.logo {
  font-family: var(--serif);
  font-size: 1.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--rouge);
}
.logo span { color: var(--charbon); font-weight: 500; }
.logo:hover { color: var(--rouge-fonce); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
}
.nav-links > li > a {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--charbon);
  padding: 8px 0;
  border-bottom: 2px solid transparent;
}
.nav-links > li > a:hover,
.nav-links > li > a[aria-current="page"] { color: var(--rouge); border-bottom-color: var(--or); }

.nav-cta { white-space: nowrap; }
.nav-cta .btn { padding: 12px 22px; }

/* Sous-menu assurances */
.sous-menu-parent { position: relative; }
.sous-menu-parent > a::after { content: " ▾"; font-size: .7em; color: var(--or); }
.sous-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--blanc);
  border: 1px solid var(--filet);
  border-top: 3px solid var(--rouge);
  box-shadow: 0 18px 40px rgba(22,22,26,.12);
  padding: 22px 26px;
  display: none;
  grid-template-columns: repeat(2, minmax(215px, 1fr));
  gap: 4px 34px;
  list-style: none;
  min-width: 520px;
}
.sous-menu-parent:hover .sous-menu,
.sous-menu-parent:focus-within .sous-menu { display: grid; }
.sous-menu a {
  display: block;
  font-size: 0.92rem;
  color: var(--encre);
  padding: 7px 0;
  border-bottom: 1px solid transparent;
}
.sous-menu a:hover { color: var(--rouge); border-bottom-color: var(--or); }
.sous-menu .voir-tout { font-weight: 700; color: var(--rouge); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--filet);
  padding: 10px 12px;
  cursor: pointer;
}
.nav-toggle .barre {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--charbon);
  margin: 4px 0;
  transition: transform .2s, opacity .2s;
}

/* ---------- Hero accueil ---------- */

.hero {
  background: var(--charbon);
  color: var(--blanc);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(115deg, rgba(122,22,34,.55) 0%, rgba(22,22,26,0) 52%),
    radial-gradient(ellipse at 85% 15%, rgba(185,151,83,.14), transparent 55%);
  pointer-events: none;
}
.hero-grille {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: 60px;
  align-items: center;
  padding: 110px 0 120px;
}
.hero h1 { color: var(--blanc); }
.hero h1 em { font-style: italic; color: var(--or); }
.hero p { color: rgba(255,255,255,.82); font-size: 1.15rem; max-width: 54ch; margin: 26px 0 38px; }
.hero .surtitre { color: var(--or); }
.hero-boutons { display: flex; flex-wrap: wrap; gap: 16px; }

.hero-encart {
  border: 1px solid rgba(255,255,255,.18);
  padding: 38px 34px;
  background: rgba(255,255,255,.03);
}
.hero-encart h2 {
  color: var(--blanc);
  font-size: 1.5rem;
  margin-bottom: 20px;
}
.hero-encart ul { list-style: none; }
.hero-encart li {
  display: flex;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.85);
  font-size: 0.98rem;
}
.hero-encart li:last-child { border-bottom: none; }
.hero-encart li::before { content: "—"; color: var(--or); flex-shrink: 0; }

/* ---------- Bandeau chiffres / filet ---------- */

.bandeau-filet {
  border-bottom: 1px solid var(--filet);
  background: var(--ivoire);
}
.bandeau-filet .conteneur {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.bandeau-filet .cellule {
  padding: 30px 26px;
  border-left: 1px solid var(--filet);
}
.bandeau-filet .cellule:first-child { border-left: none; }
.bandeau-filet .chiffre {
  font-family: var(--serif);
  font-size: 2rem;
  color: var(--rouge);
  line-height: 1;
}
.bandeau-filet .legende {
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gris-texte);
  margin-top: 6px;
}

/* ---------- Sections ---------- */

.section { padding: 96px 0; }
.section-ivoire { background: var(--ivoire); }
.section-charbon { background: var(--charbon); color: var(--blanc); }
.section-charbon h2, .section-charbon h3 { color: var(--blanc); }
.section-charbon p { color: rgba(255,255,255,.8); }

.entete-section {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: 40px;
  align-items: end;
  margin-bottom: 58px;
}
.entete-section p { color: var(--gris-texte); }
.section-charbon .entete-section p { color: rgba(255,255,255,.75); }

/* ---------- Grille des services ---------- */

.grille-services {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--filet);
  border: 1px solid var(--filet);
}
.carte-service {
  background: var(--blanc);
  padding: 40px 34px 34px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  transition: background .25s;
}
.carte-service:hover { background: var(--ivoire); }
.carte-service .numero {
  font-family: var(--serif);
  font-style: italic;
  color: var(--or);
  font-size: 1.05rem;
}
.carte-service h3 { font-size: 1.32rem; }
.carte-service p { font-size: 0.96rem; color: var(--gris-texte); flex: 1; }
.carte-service .lien-carte {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--rouge);
}
.carte-service .lien-carte::after { content: " →"; color: var(--or); }
.carte-service > a.recouvrement {
  position: absolute;
  inset: 0;
}

/* ---------- Deux colonnes éditoriales ---------- */

.deux-colonnes {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 6fr);
  gap: 70px;
  align-items: start;
}
.deux-colonnes.inverse { grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); }

.liste-coches { list-style: none; margin-top: 26px; }
.liste-coches li {
  padding: 13px 0 13px 38px;
  border-bottom: 1px solid var(--filet);
  position: relative;
}
.liste-coches li:last-child { border-bottom: none; }
.liste-coches li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 21px;
  width: 18px;
  height: 10px;
  border-left: 2px solid var(--or);
  border-bottom: 2px solid var(--or);
  transform: rotate(-45deg);
}
.section-charbon .liste-coches li { border-bottom-color: rgba(255,255,255,.12); }

/* ---------- Étapes ---------- */

.etapes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 46px;
  counter-reset: etape;
}
.etape { position: relative; padding-top: 26px; }
.etape::before {
  counter-increment: etape;
  content: "0" counter(etape);
  font-family: var(--serif);
  font-style: italic;
  font-size: 3.4rem;
  color: transparent;
  -webkit-text-stroke: 1px var(--or);
  position: absolute;
  top: -18px;
  left: 0;
  line-height: 1;
}
.etape h3 { margin-bottom: 10px; padding-top: 22px; }
.etape p { font-size: 0.97rem; color: var(--gris-texte); }
.section-charbon .etape p { color: rgba(255,255,255,.75); }

/* ---------- FAQ ---------- */

.faq { max-width: 820px; }
.faq details {
  border-bottom: 1px solid var(--filet);
}
.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 24px 44px 24px 0;
  font-family: var(--serif);
  font-size: 1.28rem;
  font-weight: 600;
  color: var(--charbon);
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--sans);
  font-size: 1.4rem;
  color: var(--or);
  transition: transform .2s;
}
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 0 26px; color: var(--gris-texte); max-width: 68ch; }

/* ---------- Formulaire lead ---------- */

.bloc-formulaire {
  background: var(--charbon);
  color: var(--blanc);
  padding: 56px 52px;
  border-top: 3px solid var(--rouge);
}
.bloc-formulaire h2, .bloc-formulaire h3 { color: var(--blanc); }
.bloc-formulaire .sous-texte { color: rgba(255,255,255,.72); margin: 12px 0 34px; font-size: .98rem; }

.formulaire { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 22px; }
.champ { display: flex; flex-direction: column; gap: 7px; }
.champ-large { grid-column: 1 / -1; }
.champ label {
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--or);
}
.champ input, .champ select, .champ textarea {
  font-family: var(--sans);
  font-size: 1rem;
  color: var(--blanc);
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.22);
  padding: 14px 16px;
  transition: border-color .2s, background .2s;
}
.champ input::placeholder, .champ textarea::placeholder { color: rgba(255,255,255,.35); }
.champ input:focus, .champ select:focus, .champ textarea:focus {
  outline: none;
  border-color: var(--or);
  background: rgba(255,255,255,.09);
}
.champ select { appearance: none; }
.champ select option { color: var(--charbon); }

.consentement {
  grid-column: 1 / -1;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 0.88rem;
  color: rgba(255,255,255,.75);
}
.consentement input {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  accent-color: var(--rouge);
  flex-shrink: 0;
}
.consentement a { color: var(--or); text-decoration: underline; }

.formulaire .btn { grid-column: 1 / -1; justify-self: start; }
.note-confidentialite {
  grid-column: 1 / -1;
  font-size: 0.8rem;
  color: rgba(255,255,255,.5);
}

/* ---------- En-tête de page intérieure ---------- */

.entete-page {
  background: var(--charbon);
  color: var(--blanc);
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}
.entete-page::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, rgba(122,22,34,.5) 0%, rgba(22,22,26,0) 48%);
  pointer-events: none;
}
.entete-page .conteneur { position: relative; }
.entete-page h1 { color: var(--blanc); font-size: clamp(2.2rem, 4.6vw, 3.4rem); }
.entete-page .intro-page { color: rgba(255,255,255,.8); margin-top: 18px; }
.fil-ariane {
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  margin-bottom: 22px;
}
.fil-ariane a { color: rgba(255,255,255,.75); }
.fil-ariane a:hover { color: var(--or); }
.fil-ariane .separateur { color: var(--or); margin: 0 8px; }

/* ---------- Page service : corps ---------- */

.corps-service {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 4fr);
  gap: 70px;
  align-items: start;
}
.corps-service .texte-riche p { margin-bottom: 20px; color: var(--encre); }
.corps-service .texte-riche p:first-of-type {
  font-size: 1.16rem;
  color: var(--gris-texte);
}

.encart-lateral {
  border: 1px solid var(--filet);
  border-top: 3px solid var(--rouge);
  padding: 34px 30px;
  background: var(--ivoire);
  position: sticky;
  top: 100px;
}
.encart-lateral h3 { margin-bottom: 8px; }
.encart-lateral p { font-size: 0.94rem; color: var(--gris-texte); margin-bottom: 22px; }
.encart-lateral .btn { width: 100%; text-align: center; }
.encart-lateral .liens-connexes { list-style: none; margin-top: 28px; border-top: 1px solid var(--filet); padding-top: 20px; }
.encart-lateral .liens-connexes li { padding: 7px 0; font-size: 0.94rem; }
.encart-lateral .liens-connexes a::before { content: "→ "; color: var(--or); }
.encart-lateral .etiquette {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--or);
  display: block;
  margin-bottom: 10px;
}

/* ---------- Bloc CTA final ---------- */

.cta-final {
  background: var(--rouge);
  color: var(--blanc);
  padding: 84px 0;
  text-align: left;
}
.cta-final .conteneur {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 4fr);
  gap: 40px;
  align-items: center;
}
.cta-final h2 { color: var(--blanc); }
.cta-final p { color: rgba(255,255,255,.85); margin-top: 14px; }
.cta-final .actions { display: flex; gap: 16px; flex-wrap: wrap; justify-content: flex-end; }
.cta-final .btn-plein { background: var(--blanc); color: var(--rouge); }
.cta-final .btn-plein:hover { background: var(--ivoire); color: var(--rouge-fonce); }

/* ---------- Footer ---------- */

.footer {
  background: var(--charbon);
  color: rgba(255,255,255,.75);
  padding: 76px 0 0;
  font-size: 0.95rem;
}
.footer-grille {
  display: grid;
  grid-template-columns: minmax(0, 4fr) minmax(0, 3fr) minmax(0, 3fr) minmax(0, 3fr);
  gap: 48px;
  padding-bottom: 56px;
}
.footer .logo { font-size: 1.5rem; }
.footer .logo span { color: var(--blanc); }
.footer p { margin-top: 16px; max-width: 40ch; color: rgba(255,255,255,.6); }
.footer h4 {
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--or);
  margin-bottom: 18px;
}
.footer ul { list-style: none; }
.footer li { padding: 5px 0; }
.footer a { color: rgba(255,255,255,.75); }
.footer a:hover { color: var(--blanc); }
.footer address { font-style: normal; line-height: 2; }
.footer-bas {
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.82rem;
  color: rgba(255,255,255,.45);
}
.footer-bas a { color: rgba(255,255,255,.6); }

/* ---------- Sommaire des services (services.html) ---------- */

.sommaire-services { display: grid; gap: 1px; background: var(--filet); border: 1px solid var(--filet); }
.ligne-service {
  background: var(--blanc);
  display: grid;
  grid-template-columns: 70px minmax(0, 4fr) minmax(0, 6fr) auto;
  gap: 30px;
  align-items: center;
  padding: 30px 34px;
  transition: background .25s;
  position: relative;
}
.ligne-service:hover { background: var(--ivoire); }
.ligne-service .numero { font-family: var(--serif); font-style: italic; color: var(--or); font-size: 1.2rem; }
.ligne-service h2 { font-size: 1.4rem; }
.ligne-service p { font-size: 0.95rem; color: var(--gris-texte); }
.ligne-service .lien-carte {
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--rouge); white-space: nowrap;
}
.ligne-service .lien-carte::after { content: " →"; color: var(--or); }
.ligne-service > a.recouvrement { position: absolute; inset: 0; }

/* ---------- Responsive ---------- */

@media (max-width: 1020px) {
  .hero-grille, .deux-colonnes, .deux-colonnes.inverse, .corps-service,
  .entete-section, .cta-final .conteneur { grid-template-columns: 1fr; }
  .cta-final .actions { justify-content: flex-start; }
  .grille-services { grid-template-columns: repeat(2, 1fr); }
  .etapes { grid-template-columns: 1fr; gap: 34px; }
  .bandeau-filet .conteneur { grid-template-columns: repeat(2, 1fr); }
  .bandeau-filet .cellule:nth-child(3) { border-left: none; }
  .footer-grille { grid-template-columns: 1fr 1fr; }
  .encart-lateral { position: static; }
  .ligne-service { grid-template-columns: 1fr; gap: 10px; padding: 26px; }
}

@media (max-width: 720px) {
  .grille-services { grid-template-columns: 1fr; }
  .formulaire { grid-template-columns: 1fr; }
  .bloc-formulaire { padding: 40px 26px; }
  .footer-grille { grid-template-columns: 1fr; }
  .hero-grille { padding: 70px 0 80px; }

  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--blanc);
    border-bottom: 1px solid var(--filet);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 24px 24px;
    box-shadow: 0 20px 34px rgba(22,22,26,.12);
  }
  .nav-links.open { display: flex; }
  .nav-links > li > a { display: block; padding: 13px 0; border-bottom: 1px solid var(--filet); }
  .sous-menu {
    position: static;
    transform: none;
    display: none;
    box-shadow: none;
    border: none;
    border-left: 2px solid var(--or);
    min-width: 0;
    grid-template-columns: 1fr;
    padding: 8px 0 8px 18px;
    margin: 6px 0;
  }
  .sous-menu-parent.deplie .sous-menu { display: grid; }
  .sous-menu-parent:hover .sous-menu { display: none; }
  .sous-menu-parent.deplie:hover .sous-menu { display: grid; }
  .nav-cta { display: none; }
}