/* rachatcreditguadeloupe.fr — design system v1 (build from scratch) */

:root{
  --petrol:#0a3d4a;
  --petrol-2:#0f5a6b;
  --teal:#0f8a92;
  --mango:#ff7a45;
  --mango-dk:#e8612f;
  --gold:#f4b740;
  --ink:#13282f;
  --muted:#5a727a;
  --bg:#ffffff;
  --bg-soft:#f3f9fa;
  --bg-petrol:#0a3d4a;
  --line:#dde9eb;
  --ok:#1aa179;
  --radius:14px;
  --radius-lg:22px;
  --shadow:0 10px 40px rgba(10,61,74,.10);
  --shadow-lg:0 24px 70px rgba(10,61,74,.18);
  --maxw:1160px;
  --font:"Manrope",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;font-weight:400;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.18;font-weight:800;letter-spacing:-.02em;color:var(--petrol)}
h1{font-size:clamp(2rem,4.6vw,3.25rem)}
h2{font-size:clamp(1.6rem,3.3vw,2.4rem)}
h3{font-size:clamp(1.2rem,2.2vw,1.5rem)}
p{margin:0 0 1rem}
strong{font-weight:700;color:var(--petrol)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}
section{padding:clamp(3rem,7vw,5.5rem) 0}
.lead{font-size:1.18rem;color:var(--muted)}
.center{text-align:center}
.muted{color:var(--muted)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--mango-dk);margin-bottom:.85rem}
.eyebrow.light{color:var(--gold)}

/* ── buttons ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;font-weight:800;font-size:1.02rem;border:none;border-radius:12px;padding:.95rem 1.8rem;cursor:pointer;transition:transform .15s,box-shadow .2s,background .2s;text-decoration:none;line-height:1.1}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-primary{background:var(--mango);color:#fff;box-shadow:0 8px 24px rgba(255,122,69,.38)}
.btn-primary:hover{background:var(--mango-dk);color:#fff}
.btn-ghost{background:transparent;color:var(--petrol);border:2px solid var(--line)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.btn-light{background:#fff;color:var(--petrol)}
.btn-light:hover{background:var(--gold);color:var(--petrol)}
.btn-lg{padding:1.1rem 2.2rem;font-size:1.1rem}

/* ── header / nav ── */
.site-header{position:sticky;top:0;z-index:400;background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line)}
.header-inner{max-width:var(--maxw);margin:0 auto;padding:.7rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.logo{display:flex;align-items:center;gap:.6rem;font-weight:800;font-size:1.18rem;color:var(--petrol);text-decoration:none;letter-spacing:-.02em}
.logo:hover{text-decoration:none}
.logo-mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--teal),var(--petrol));display:grid;place-items:center;color:#fff;font-weight:800;flex-shrink:0}
.logo span{color:var(--mango-dk)}
.main-nav ul{display:flex;align-items:center;gap:.3rem;list-style:none}
.main-nav a{display:block;padding:.55rem .8rem;font-size:.94rem;font-weight:700;color:var(--petrol);border-radius:9px}
.main-nav a:hover{background:var(--bg-soft);text-decoration:none}
.main-nav .nav-cta{background:var(--mango);color:#fff;padding:.6rem 1.1rem}
.main-nav .nav-cta:hover{background:var(--mango-dk)}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:.4rem}
.nav-toggle span{width:24px;height:2.5px;background:var(--petrol);border-radius:2px;transition:.25s}

/* ── hero ── */
.hero{background:radial-gradient(120% 120% at 80% 0%,#0f5a6b 0%,var(--petrol) 55%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-12%;top:-30%;width:60%;height:160%;background:radial-gradient(circle,rgba(244,183,64,.16),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{color:rgba(255,255,255,.86);font-size:1.18rem}
.hero-pts{list-style:none;margin:1.4rem 0;display:grid;gap:.6rem}
.hero-pts li{display:flex;align-items:flex-start;gap:.6rem;color:#fff;font-weight:600}
.hero-pts li::before{content:"✓";color:var(--petrol);background:var(--gold);width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:800;flex-shrink:0;margin-top:2px}
.hero-cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.6rem}
.hero-trust{margin-top:1.6rem;font-size:.85rem;color:rgba(255,255,255,.7)}
.hero-card{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);overflow:hidden}

/* ── iClosed inline ── */
.etude-box{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:.5rem;border:1px solid var(--line)}
.etude-hd{padding:1rem 1.25rem .25rem;text-align:center}
.etude-hd p{font-size:.9rem;color:var(--muted);margin:0}
.iclosed-widget{width:100%;border-radius:12px;overflow:hidden}

/* ── trust strip ── */
.trust-strip{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-strip .wrap{display:flex;flex-wrap:wrap;gap:1.5rem 2.5rem;justify-content:center;align-items:center;padding-top:1.4rem;padding-bottom:1.4rem}
.trust-item{display:flex;align-items:center;gap:.6rem;font-weight:700;color:var(--petrol);font-size:.95rem}
.trust-item .ti-num{font-size:1.5rem;font-weight:800;color:var(--mango-dk);line-height:1}

/* ── grid / cards ── */
.grid{display:grid;gap:1.4rem}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;transition:transform .18s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card h3{margin-bottom:.5rem}
.card p{font-size:.96rem;color:var(--muted);margin-bottom:.8rem}
.card .card-link{font-weight:800;color:var(--mango-dk);font-size:.92rem}
.card-ic{width:46px;height:46px;border-radius:12px;background:var(--bg-soft);display:grid;place-items:center;font-size:1.4rem;margin-bottom:1rem}
.hub-card{display:block;text-decoration:none;color:inherit}
.hub-card:hover{text-decoration:none}

/* section bg variants */
.bg-soft{background:var(--bg-soft)}
.bg-petrol{background:var(--petrol);color:#fff}
.bg-petrol h2,.bg-petrol h3{color:#fff}
.bg-petrol p{color:rgba(255,255,255,.82)}

/* ── steps ── */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem 1.5rem;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:1.5rem;width:40px;height:40px;border-radius:50%;background:var(--mango);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.1rem;box-shadow:0 6px 16px rgba(255,122,69,.4)}
.step h3{margin:.6rem 0 .4rem;font-size:1.15rem}
.step .step-time{font-size:.8rem;font-weight:800;color:var(--teal);text-transform:uppercase;letter-spacing:.05em}

/* ── prose ── */
.prose{max-width:760px;margin:0 auto}
.prose.wide{max-width:880px}
.prose h2{margin:2.4rem 0 1rem}
.prose h3{margin:1.8rem 0 .7rem}
.prose ul,.prose ol{margin:0 0 1.2rem 1.2rem}
.prose li{margin-bottom:.5rem}
.prose table{width:100%;border-collapse:collapse;margin:1.4rem 0;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:.7rem .9rem;text-align:left}
.prose th{background:var(--bg-soft);font-weight:800;color:var(--petrol)}
.callout{background:var(--bg-soft);border-left:4px solid var(--mango);border-radius:0 12px 12px 0;padding:1.1rem 1.3rem;margin:1.5rem 0}
.callout strong{color:var(--mango-dk)}
.note-compliance{background:#fff7ed;border:1px solid #ffd9b8;border-radius:12px;padding:1rem 1.2rem;margin:1.5rem 0;font-size:.92rem;color:#7a4a1f}

/* ── breadcrumb ── */
.crumb{background:var(--bg-soft);font-size:.85rem;padding:.7rem 0;border-bottom:1px solid var(--line)}
.crumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;align-items:center}
.crumb li::after{content:"›";margin-left:.4rem;color:var(--muted)}
.crumb li:last-child::after{content:""}
.crumb a{color:var(--muted)}
.crumb li:last-child{color:var(--petrol);font-weight:700}

/* ── faq ── */
.faq{max-width:820px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:.8rem;overflow:hidden;background:#fff}
.faq-item summary{padding:1.1rem 1.3rem;font-weight:700;color:var(--petrol);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--mango);font-weight:400;flex-shrink:0}
.faq-item[open] summary::after{content:"−"}
.faq-item .faq-a{padding:0 1.3rem 1.2rem;color:var(--muted)}

/* ── cta band ── */
.cta-band{background:linear-gradient(135deg,var(--mango),var(--mango-dk));color:#fff;text-align:center;border-radius:var(--radius-lg);padding:clamp(2.2rem,5vw,3.5rem)}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.92);max-width:560px;margin:0 auto 1.5rem}

/* ── chips / link lists ── */
.chips{display:flex;flex-wrap:wrap;gap:.6rem}
.chip{background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:.5rem 1rem;font-size:.9rem;font-weight:700;color:var(--petrol)}
.chip:hover{background:var(--teal);color:#fff;text-decoration:none;border-color:var(--teal)}
.linklist{columns:2;gap:2rem;list-style:none}
.linklist li{margin-bottom:.55rem;break-inside:avoid}
.linklist a{font-weight:600}

/* ── sticky bar ── */
.sticky-bar{position:fixed;bottom:0;left:0;right:0;z-index:500;background:var(--petrol);border-top:3px solid var(--mango);padding:.75rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;box-shadow:0 -6px 30px rgba(10,61,74,.3);transform:translateY(120%);transition:transform .4s cubic-bezier(.22,.68,0,1.2)}
.sticky-bar.visible{transform:translateY(0)}
.sticky-bar-text{display:flex;flex-direction:column;line-height:1.2;min-width:0}
.sticky-bar-title{font-size:.9rem;font-weight:800;color:#fff;white-space:nowrap}
.sticky-bar-sub{font-size:.72rem;color:rgba(255,255,255,.62);white-space:nowrap}
.sticky-bar-close{background:none;border:none;color:rgba(255,255,255,.4);font-size:1.2rem;cursor:pointer;line-height:1;flex-shrink:0}

/* ── footer ── */
.site-footer{background:var(--petrol);color:rgba(255,255,255,.78);padding:3.5rem 0 1.5rem;font-size:.92rem}
.footer-inner{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:2rem}
.footer-logo-text{font-size:1.2rem;font-weight:800;color:#fff;margin-bottom:.7rem}
.footer-desc{color:rgba(255,255,255,.6);font-size:.88rem;margin-bottom:.9rem}
.footer-orias{font-size:.82rem;color:rgba(255,255,255,.7)}
.footer-orias a{color:var(--gold)}
.footer-col h3{color:#fff;font-size:.95rem;margin-bottom:.9rem;text-transform:uppercase;letter-spacing:.05em}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:.5rem}
.footer-col a{color:rgba(255,255,255,.7);font-size:.88rem}
.footer-col a:hover{color:var(--gold)}
.footer-bottom{max-width:var(--maxw);margin:2.5rem auto 0;padding:1.5rem 1.25rem 0;border-top:1px solid rgba(255,255,255,.12)}
.footer-address{font-style:normal;font-size:.8rem;color:rgba(255,255,255,.55);margin-bottom:.6rem}
.footer-legal{font-size:.76rem;color:rgba(255,255,255,.5);line-height:1.6;margin-bottom:.8rem}
.footer-legal a{color:rgba(255,255,255,.7)}
.footer-copy{font-size:.78rem;color:rgba(255,255,255,.45)}

/* ── responsive ── */
@media(max-width:900px){
  .hero .wrap{grid-template-columns:1fr;gap:2rem}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-inner{grid-template-columns:1fr 1fr;gap:1.8rem}
}
@media(max-width:760px){
  body{font-size:16px}
  .main-nav{position:fixed;inset:0 0 0 30%;background:#fff;flex-direction:column;padding:5rem 1.5rem;transform:translateX(100%);transition:transform .3s;box-shadow:-10px 0 40px rgba(0,0,0,.15)}
  .main-nav.open{transform:translateX(0)}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:.2rem}
  .main-nav a{padding:.85rem 1rem}
  .nav-toggle{display:flex}
  .grid-3,.grid-2,.grid-4{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr;gap:1.8rem}
  .linklist{columns:1}
  .footer-inner{grid-template-columns:1fr}
  .sticky-bar-text{display:none}
}

.card-role{color:var(--gold);font-weight:700;font-size:.9rem;margin:.1rem 0 .5rem}

.author-note{border-left:3px solid var(--gold);background:rgba(0,0,0,.02);padding:.8rem 1rem;font-size:.85rem;color:#555;border-radius:0 6px 6px 0;max-width:820px;margin:1rem auto}
.author-note a{color:var(--gold);font-weight:600}
.source-note{color:#777}

/* LP cluster-maillage */
.cluster-maillage{max-width:1080px;margin:2rem auto;padding:1.25rem 1.25rem 0;border-top:1px solid #e3e8ef}
.cluster-maillage h2{font-size:1.1rem;margin:0 0 .8rem}
.cluster-links{list-style:none;margin:0;padding:0 0 1.5rem;display:flex;flex-wrap:wrap;gap:.5rem}
.cluster-links li{margin:0}
.cluster-links a{display:inline-block;padding:.45rem .85rem;border:1px solid #d7dde5;border-radius:20px;text-decoration:none;font-size:.92rem;line-height:1.3}
.cluster-links a:hover{border-color:#999;background:#f4f6f9}

/* LP hero-kicker fix */
.hero-kicker{color:#fff !important;background:rgba(212,168,67,.18) !important}

/* LP btn-outline fix */
.btn-outline{color:var(--forest) !important;border-color:var(--forest) !important;background:transparent !important}
.btn-outline:hover{color:#fff !important;background:var(--forest) !important;border-color:var(--forest) !important}