/* Courtier TI — système visuel (inspiration corporate : marine + vert) */
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(/assets/fonts/open-sans-latin-wght-normal.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(/assets/fonts/open-sans-latin-ext-wght-normal.woff2) format("woff2");unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:Montserrat;font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/montserrat-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:Montserrat;font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/montserrat-latin-700-normal.woff2) format("woff2")}
:root{--navy:#192857;--navy-d:#111b3d;--green:#00964D;--green-t:#007A3D;--green-h:#00632f;--green-l:#6fe0a0;--ink:#2b3240;--mut:#535b6b;--line:#dfe3ea;--g1:#f4f6f8;--g2:#eef0f3;--mint:#e9f6ef;
--sans:"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--head:Montserrat,"Open Sans",system-ui,sans-serif;--r:8px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}
body{margin:0;font:400 16px/1.65 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}a{color:var(--green-t)}a:hover{color:var(--green-h)}[hidden]{display:none!important}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6em}h1{font-size:clamp(2rem,4.4vw,3.25rem);font-weight:600;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,2.8vw,2.25rem);font-weight:400}h3{font:600 1rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.03em}
p{margin:0 0 1em}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.ic{width:28px;height:28px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;flex:none}.ic.sm{width:18px;height:18px}
:focus-visible{outline:3px solid var(--green);outline-offset:2px}
/* boutons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--green-t);color:#fff;border:2px solid var(--green-t);border-radius:999px;padding:12px 26px;font:600 1rem/1.2 var(--sans);text-decoration:none;cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{background:var(--green-h);border-color:var(--green-h);color:#fff}.btn-sm{padding:8px 18px;font-size:.92rem}.btn-block{width:100%}
.btn-outline-light{background:transparent;border-color:#fff;color:#fff}.btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}.btn-light:hover{background:var(--mint);border-color:var(--mint);color:var(--navy)}
/* top bar + header */
.topbar{background:var(--g2);font-size:.82rem;color:#3b4250}.topbar-in{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#3b4250;text-decoration:none;margin-left:20px}.topbar a:hover{color:var(--green-t);text-decoration:underline}
.topbar-mail{font-weight:600;word-break:break-all;display:inline-flex;align-items:center;min-height:24px;padding:4px 0}
.topbar-r{display:flex;flex-wrap:wrap;align-items:center;justify-content:flex-end;gap:8px 16px}
.topbar-r a{margin-left:0!important;min-height:24px;display:inline-flex;align-items:center;padding:4px 0}
@media(max-width:860px){.topbar-mail{font-size:.78rem}}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:80px;gap:20px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}.logo img{display:block;height:40px;width:auto}.wm{display:flex;flex-direction:column;line-height:1}
.wm-name{font:700 1.45rem/1 var(--head);color:var(--navy);letter-spacing:-.01em}.wm-name b{color:var(--green-t)}
.wm-tag{font:600 .62rem/1 var(--head);text-transform:uppercase;letter-spacing:.12em;color:var(--mut);margin-top:6px}
.nav ul{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav ul a:not(.btn){font:700 .84rem/1 var(--head);text-transform:uppercase;letter-spacing:.04em;color:var(--green-t);text-decoration:none;padding:8px 0;border-bottom:2px solid transparent}
.nav ul a:not(.btn):hover{border-bottom-color:var(--green-t)}.lang-m{display:none}
.menu-btn{display:none;background:var(--green-t);color:#fff;border:0;border-radius:6px;padding:8px;cursor:pointer}
/* hero accueil : voir « Hero épuré » plus bas */
.hero-img,.hero-pattern,.ph-img,.photo-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero.has-img::after,.photo-band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(17,27,61,.94) 0%,rgba(25,40,87,.84) 55%,rgba(25,40,87,.76) 100%)}
@media(max-width:860px){.page-hero.has-img::after{background:rgba(17,27,61,.86)}}
.page-hero h1{color:#fff;max-width:760px}
.kicker{font:600 .8rem/1 var(--head);text-transform:uppercase;letter-spacing:.14em;color:var(--green-l);margin-bottom:18px}
.lead{font-size:1.15rem;max-width:640px;color:#e4e8f1}
.cta-reassurance{margin:14px 0 0;font-size:.92rem;color:var(--mut);max-width:640px;line-height:1.5}
.cta-band .cta-reassurance{color:#e4e8f1}
.compare-sec .wrap{max-width:960px}.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:8px}
.compare-col{border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;background:#fff}.compare-with{border-top:4px solid var(--green)}.compare-without{border-top:4px solid var(--line)}
.compare-col h3{font:700 1rem/1.3 var(--head);text-transform:none;letter-spacing:0;margin:0 0 14px;color:var(--navy)}
.compare-col ul{margin:0;padding-left:20px;color:var(--ink)}.compare-col li{margin:.45em 0}
.compare-note{margin:20px 0 0;color:var(--mut);font-size:.95rem;text-align:left}
.prose-left{max-width:820px;text-align:left}.prose-left p{color:var(--ink);font-size:1.06rem}.broker-prose{padding-top:56px;padding-bottom:56px}
.faq-visual{border-radius:var(--r);border:1px solid var(--line);margin-top:12px;width:100%;max-width:400px;height:auto}
/* page hero */
.page-hero{position:relative;background:var(--navy);color:#fff;border-bottom:5px solid var(--green);overflow:hidden}
.page-hero.has-pattern::after{background:linear-gradient(105deg,rgba(17,27,61,.92) 0%,rgba(25,40,87,.82) 55%,rgba(25,40,87,.62) 100%)}
.ph-icon-deco{position:absolute;right:6%;top:50%;transform:translateY(-50%);z-index:1;opacity:.85;display:none}
.ph-icon-deco .circle{width:100px;height:100px}.ph-icon-deco .circle .ic{width:46px;height:46px}
@media(min-width:900px){.ph-icon-deco{display:block}}
.ph-in{position:relative;z-index:2;padding-top:64px;padding-bottom:64px}.page-hero.has-img .ph-in{padding-top:90px;padding-bottom:90px}
.page-hero h1{font-size:clamp(1.8rem,3.6vw,2.7rem)}.page-hero .lead{margin:0}
.crumbs{background:var(--g1);border-bottom:1px solid var(--line);font-size:.86rem}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:12px 0}
.crumbs li{color:var(--mut)}.crumbs li+li::before{content:"›";margin-right:6px;color:var(--mut)}.crumbs a{color:var(--green-t)}
.ph-banner{background:#fff4d6;border-bottom:1px solid #e9cf80;color:#5a4300;font:600 .85rem/1.4 var(--sans);padding:10px 0}
/* sections */
.sec{padding:84px 0}.alt{background:var(--g1)}.fade-green{background:linear-gradient(180deg,var(--mint) 0,#fff 260px)}
.sec-head{max-width:760px;margin:0 0 44px}.sec-head.center{text-align:center;margin-left:auto;margin-right:auto}.sec-head p{color:var(--mut);font-size:1.06rem;margin:0}
.circle{display:inline-grid;place-items:center;width:84px;height:84px;border-radius:50%;background:var(--green);color:#fff;flex:none}.circle .ic{width:38px;height:38px}
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:40px 28px}
.cat{display:flex;flex-direction:column;align-items:center;text-align:center;text-decoration:none;padding:8px}
.cat h3{margin:18px 0 6px;color:var(--navy);text-transform:none;letter-spacing:0;font:600 1rem/1.3 var(--head)}.cat p{margin:0;color:var(--green-t);font-size:.94rem}
.cat:hover .circle{background:var(--navy)}.cat:hover h3{color:var(--green-t)}
@media (prefers-reduced-motion:no-preference){.cat,.guide-card,.btn{transition:transform .15s ease,box-shadow .15s ease}.cat:hover{transform:translateY(-2px)}}
.num{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font:700 1.2rem var(--head);margin-bottom:18px}
.photo-band{position:relative;color:#fff;text-align:center;overflow:hidden;background:var(--navy)}
.photo-band::after{background:rgba(25,40,87,.86)}.pb-in{position:relative;z-index:1;padding-top:96px;padding-bottom:96px;max-width:860px}
.photo-band h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:300}.photo-band p{font-size:1.12rem;color:#e4e8f1;margin:0}
.bens{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.ben{border-top:3px solid var(--green);padding-top:22px}
.ben-ic{color:var(--green-t);width:34px;height:34px;margin-bottom:12px}.ben p{color:var(--mut);margin:0}
.faq-split{display:grid;grid-template-columns:5fr 7fr;gap:56px;align-items:start}.faq-img{border-radius:var(--r);margin-top:12px}
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;padding:18px 22px;font-weight:600;color:var(--navy)}
summary::-webkit-details-marker{display:none}summary::after{content:"+";color:var(--green-t);font:700 1.3rem/1 var(--head)}details[open] summary::after{content:"–"}
details p{padding:0 22px 18px;margin:0;color:var(--ink)}
.contact-row{border-top:1px solid var(--line);padding:48px 0}.cr-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:center;text-align:center}
.cr-grid--2{grid-template-columns:repeat(2,1fr)}.cr-grid--3{grid-template-columns:repeat(3,1fr)}
.cr-grid .ic{color:var(--green-t);margin:0 auto 6px}.cr-grid p{margin:0}.cr-l{font:700 .9rem var(--head);text-transform:uppercase;letter-spacing:.04em;color:var(--navy)}
.cr-grid a:not(.btn){font-weight:600}.cr-mailto{font-weight:500;font-size:.92rem;color:var(--muted,#5a6478)}.cr-mailto:hover{color:var(--navy)}
.site-footer .footer-email{font-weight:500;font-size:.9rem;color:#9aabc8}
.cta-band{background:var(--navy);color:#fff;padding:56px 0}.cta-in{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 4px;font-weight:400}.cta-band p{margin:0;color:#d3d9e6}
/* contenus de gabarits */
.two-col{display:grid;grid-template-columns:minmax(0,8fr) minmax(0,4fr);gap:56px;align-items:start}
.main-col h2{margin-top:44px;font-size:1.65rem}.main-col h2:first-child{margin-top:0}
.side-col{position:sticky;top:110px;display:grid;gap:20px}.side-card{border:1px solid var(--line);border-radius:var(--r);padding:28px;background:#fff}
.quote-card{text-align:center;border-top:5px solid var(--green)}.quote-card .circle{width:64px;height:64px;margin-bottom:12px}.quote-card .circle .ic{width:30px;height:30px}
.h-side{font:700 1rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.03em;margin-bottom:10px}.side-link{margin:14px 0 0;font-size:.94rem}
.h-box{font:700 .85rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.06em;color:var(--green-t);margin:0 0 8px!important}
.def-box{font-size:1.15rem;color:var(--navy);border-left:4px solid var(--green);padding:4px 0 4px 20px;margin-bottom:24px}.def-box p{margin:0}
.answer-box,.method-box{background:var(--mint);border-radius:var(--r);padding:22px 24px;margin:24px 0}.answer-box p,.method-box p{margin:0}
.method-box{background:var(--g1)}.method-box ul{margin:10px 0 0;padding-left:20px}
.checks,.links{list-style:none;padding:0;margin:0}.checks li{display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-bottom:1px solid var(--line)}.checks .ic{color:var(--green-t);margin-top:4px}
.links li{padding:7px 0;border-bottom:1px solid var(--line)}.links li:last-child{border:0}.cols2{columns:2;column-gap:28px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--navy);color:#fff;font:600 .8rem var(--head);text-transform:uppercase;letter-spacing:.04em}
tbody th{color:var(--navy)}tbody tr:nth-child(even){background:var(--g1)}tbody tr:last-child>*{border-bottom:0}
.sources{font-size:.88rem;color:var(--mut);margin-top:10px}.meta-line{font-size:.88rem;color:var(--mut);border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:26px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:48px}.fact{border:1px solid var(--line);border-top:4px solid var(--green);border-radius:var(--r);padding:22px}
.fact-l{font:700 .78rem var(--head);text-transform:uppercase;letter-spacing:.05em;color:var(--mut);margin:0 0 6px}.fact-v{font-size:1.2rem;color:var(--navy);font-weight:600;margin:0}
.factors{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.factor{background:var(--g1);border-radius:var(--r);padding:20px}.factor p{margin:0;color:var(--mut)}
.prose{max-width:820px}.prose h2{font-size:1.5rem;margin-top:36px}.center{text-align:center}.thanks .circle{margin-bottom:24px}.thanks .lead{color:var(--mut);margin:0 auto 28px}
/* formulaire */
.form-sec{background:var(--g1)}.form-card{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-top:5px solid var(--green);border-radius:var(--r);padding:40px}
.progress{height:6px;background:var(--g2);border-radius:99px;overflow:hidden}.progress span{display:block;height:100%;width:25%;background:var(--green-t);transition:width .3s}
.pstep{font:600 .8rem var(--head);text-transform:uppercase;letter-spacing:.06em;color:var(--mut);margin:10px 0 26px}
fieldset{border:0;margin:0;padding:0;min-width:0}legend{font-size:1.45rem;color:var(--navy);margin-bottom:18px;padding:0}
.step-panel{display:none}.step-panel.active{display:block}.no-js .step-panel{display:block;margin-bottom:32px}
.choices{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.choice{position:relative}.choice input{position:absolute;opacity:0}
.choice span{display:flex;align-items:center;gap:14px;border:2px solid var(--line);border-radius:var(--r);padding:12px 16px;font-weight:600;color:var(--navy);cursor:pointer;height:100%}
.choice .circle{width:42px;height:42px}.choice .circle .ic{width:22px;height:22px}.choice span:hover{border-color:var(--green)}
.choice input:checked+span{border-color:var(--green-t);background:var(--mint)}.choice input:focus-visible+span{outline:3px solid var(--green);outline-offset:2px}
label.f{display:block;font-weight:600;font-size:.92rem;margin:18px 0 6px;color:var(--navy)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;color:var(--ink);padding:12px 14px;border:1px solid #8a93a3;border-radius:6px;background:#fff}
[aria-invalid=true]{border-color:#b3261e!important;box-shadow:0 0 0 1px #b3261e}
.hint{font-size:.875rem;color:#4a5568;margin:6px 0 0}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,150,77,.35);border-color:var(--green-t)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--g1);border-left:4px solid var(--green);border-radius:6px;padding:16px;margin-top:24px;font-size:.92rem}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--green-t);flex:none}.req{font-size:.85rem;color:var(--mut);margin:12px 0 0}
.nav-btns{display:flex;justify-content:space-between;gap:12px;margin-top:30px;padding-top:24px;border-top:1px solid var(--line)}
.err{color:#b3261e;font-weight:600;font-size:.9rem;min-height:1.2em;margin:10px 0 0}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* pied de page */
.site-footer{background:var(--navy-d);color:#c7cddb;font-size:.92rem;padding:64px 0 0}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{text-decoration:underline;color:#fff}
.f-grid{display:grid;grid-template-columns:2.2fr 1.4fr 1.4fr 1fr 1.1fr;gap:36px;padding-bottom:44px}
.site-footer .wm-name{color:#fff}.site-footer .wm-name b{color:var(--green-l)}.site-footer .wm-tag{color:#aab3c5}.f-brand p{margin:18px 0 0;max-width:320px}
.f-h{font:700 .8rem/1 var(--head);text-transform:uppercase;letter-spacing:.08em;color:var(--green-l);margin:6px 0 16px}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:0 0 9px;break-inside:avoid}.site-footer li span{color:#c7cddb}
.site-footer a,.site-footer .link-btn{display:inline-block;min-height:24px;padding:4px 0}
.f-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid #2b3766;padding:20px 0;font-size:.82rem;color:#aab3c5}
/* responsive */
@media(max-width:1080px){.cats{grid-template-columns:repeat(2,1fr)}.bens{grid-template-columns:repeat(2,1fr)}.f-grid{grid-template-columns:1fr 1fr 1fr}.f-brand{grid-column:1/-1}
.two-col{grid-template-columns:1fr}.side-col{position:static}}
@media(max-width:860px){.nav{gap:0}.menu-btn{display:inline-flex;order:2;margin-left:auto}.nav nav ul{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(17,27,61,.12)}
.nav nav ul.open{display:flex}.nav ul a:not(.btn){display:block;padding:14px 0;border-bottom:1px solid var(--line)}.nav ul li:last-child{margin-top:16px}.lang-m{display:block}
.topbar-in>span:first-child{display:none}.topbar-in{justify-content:flex-end}
.faq-split,.cr-grid,.facts,.factors{grid-template-columns:1fr}.faq-img{display:none}}
@media(max-width:600px){.wrap{padding:0 18px}.sec{padding:56px 0}.cats{grid-template-columns:1fr;gap:0}
.cat{flex-direction:row;align-items:center;text-align:left;gap:14px;padding:14px 4px;border-bottom:1px solid var(--line)}.cat .circle{width:44px;height:44px;flex-shrink:0}.cat .circle .ic{width:22px;height:22px}
.cat h3{margin:0 0 2px;font-size:.98rem}.cat p{display:none}.cat::after{content:"";flex:none;margin-left:auto;width:8px;height:8px;border-right:2px solid var(--green-t);border-top:2px solid var(--green-t);transform:rotate(45deg)}
.bens,.grid2,.choices{grid-template-columns:1fr}.f-grid{grid-template-columns:1fr 1fr;gap:28px 20px}
.form-card{padding:24px 18px}.wm-name{font-size:1.2rem}.wm-tag{font-size:.55rem}.logo img{height:30px}.nav{min-height:68px}.f-grid .cols2{columns:1}.main-col .cols2{columns:1}.page-hero.has-img .ph-in{padding-top:56px;padding-bottom:56px}
.compare-grid{grid-template-columns:1fr}}

.center-btns{justify-content:center;border-top:0;padding-top:0;flex-wrap:wrap;gap:12px;margin-top:28px}

/* Guides éditoriaux (/guides/) */
.article-hero .ph-in{padding-top:56px;padding-bottom:52px}.article-hero h1{max-width:900px}
.byline{display:flex;flex-wrap:wrap;gap:4px 22px;margin:18px 0 0;color:#d3d9e6;font-size:.94rem}.byline strong{color:#fff;font-weight:600}
.article{font-size:1.05rem;line-height:1.75}.article .a-sec{margin-top:48px;scroll-margin-top:96px}.article .a-sec h2{margin-top:0}
.article h3{font:700 1.14rem/1.35 var(--head);text-transform:none;letter-spacing:0;margin:30px 0 10px}.article .h-box{font-size:.85rem}.article ul:not(.checks),.article ol{padding-left:24px;margin:0 0 1.1em}.article li{margin:.3em 0}
.article .table-wrap{margin:8px 0 22px}.article .checks{margin-bottom:1.1em}.article .answer-box{margin-top:0;font-size:1.08rem}
.disclaimer{font-size:.9rem;color:var(--mut);font-style:italic;margin:-6px 0 24px}
.toc ol{list-style:none;counter-reset:t;margin:0;padding:0}.toc li{counter-increment:t;display:flex;gap:10px;padding:6px 0;border-bottom:1px solid var(--line);font-size:.94rem;line-height:1.4}
.toc li:last-child{border:0}.toc li::before{content:counter(t);flex:0 0 1.4em;font:700 .85rem/1.6 var(--head);color:var(--green-t)}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--green-t);text-decoration:underline}
.toc-inline{display:none;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px 12px;margin:0 0 8px}
.cta-inline{display:flex;align-items:center;justify-content:space-between;gap:16px 24px;flex-wrap:wrap;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:var(--r);padding:18px 22px;margin:40px 0 0;font-size:.98rem;line-height:1.6}
.cta-inline p{margin:0;flex:1 1 320px}.cta-inline strong{color:var(--navy)}
.note-box{background:var(--g1);border-left:4px solid var(--navy);border-radius:0 var(--r) var(--r) 0;padding:16px 20px;margin:0 0 1.1em}.note-box p{margin:0}
.faq-list .qa{border-bottom:1px solid var(--line);padding:4px 0 14px}.faq-list .qa:last-child{border:0}.faq-list h3{font-size:1.08rem;margin:18px 0 6px}.faq-list p{margin:0}
.src-list{font-size:.92rem;line-height:1.55;overflow-wrap:anywhere}.src-list li{margin:.45em 0}.src-note{color:var(--mut)}
.guide-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.guide-card{display:flex;flex-direction:column;border:1px solid var(--line);border-top:5px solid var(--green);border-radius:var(--r);padding:26px;background:#fff;color:var(--ink);text-decoration:none;transition:box-shadow .15s,transform .15s}
.guide-card:hover{box-shadow:0 12px 28px rgba(17,27,61,.12);transform:translateY(-2px)}.guide-card h2{font:700 1.2rem/1.3 var(--head);margin:0 0 10px}
.guide-card p{margin:0 0 16px;color:var(--mut);font-size:.96rem}.guide-card .gc-meta{font-size:.82rem;margin-bottom:10px}.gc-more{margin-top:auto;display:inline-flex;align-items:center;gap:8px;color:var(--green-t);font-weight:600}
@media(max-width:1080px){.guide-cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
/* hub /villes/ : ville hors Québec (Ottawa) dans un bloc séparé sous la grille (Expert UI/UX) */
.hub-also{display:flex;align-items:center;gap:10px;margin:28px 0 0;padding:14px 18px;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:var(--r);background:var(--g1);color:var(--ink);font-size:.98rem;line-height:1.4}
.hub-also .ic{flex:0 0 auto;width:20px;height:20px;color:var(--green-t)}.hub-also strong{color:var(--navy);font-weight:600}.hub-also a{font-weight:600}
@media(max-width:860px){.toc-inline{display:block}.toc-side{display:none}}
@media(max-width:600px){.guide-cards{grid-template-columns:1fr}.article{font-size:1rem}.article-hero .ph-in,.hub-hero .ph-in{padding-top:40px;padding-bottom:40px}.cta-inline .btn{width:100%}}
.checks.tick .ic{color:var(--navy)}
/* Bandeau de consentement (Loi 25) */
.cc{position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--navy-d);color:#fff;box-shadow:0 -8px 24px rgba(17,27,61,.25)}
.cc[hidden]{display:none}
.cc-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:calc(12px + env(safe-area-inset-bottom,0px))}
.cc p{margin:0;font-size:.95rem;line-height:1.45}
.cc-short{display:none}
.cc a{color:var(--green-l)}
.cc-btns{display:flex;gap:10px;flex-shrink:0}
.cc-btns .btn{min-width:120px;min-height:44px}
.link-btn{background:none;border:0;padding:0;color:inherit;font:inherit;cursor:pointer;text-decoration:none;text-align:left}
.link-btn:hover,.link-btn:focus-visible{text-decoration:underline}
body.cc-visible{padding-bottom:var(--cc-h,0px)}
body.sticky-cta-visible{padding-bottom:calc(var(--cc-h,0px) + var(--sticky-h,0px))}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:10px 18px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.96);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(17,27,61,.1);transform:translateY(110%);transition:transform .2s ease}
.sticky-cta.is-visible{transform:translateY(0)}
body.cc-visible .sticky-cta{bottom:var(--cc-h,0px)}
.sticky-cta .btn{min-height:48px}
@media(max-width:700px){.cc-in{flex-wrap:wrap;padding-top:10px;padding-bottom:calc(10px + env(safe-area-inset-bottom,0px))}.cc-full{display:none}.cc-short{display:block;font-size:.82rem;flex:1 1 auto;line-height:1.35}.cc-btns .btn{flex:1;min-width:0;padding:10px 14px;font-size:.88rem}}

@media(max-width:1080px){.cats>.cat:last-child:nth-child(odd){grid-column:1/-1}}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.svc-block{display:flex;flex-direction:column;gap:14px;padding:28px;border:1px solid #e3e8ef;border-radius:12px;background:#fff}
.svc-block h2{font-size:1.15rem;margin:0 0 6px}
.svc-block h2 a{color:inherit;text-decoration:none}
.svc-block h2 a:hover{text-decoration:underline}
.svc-block p{margin:0 0 12px}
.svc-block .links{columns:1}
.svc-block .links li{margin:6px 0}
.svc-grid+.prose{margin-top:56px}
@media(max-width:1080px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.svc-grid{grid-template-columns:1fr;gap:18px}.svc-block{padding:22px}}
.f-h a{color:inherit;text-decoration:none}.f-h a:hover{text-decoration:underline}

.page-upd{font-size:.85rem;color:var(--mut);margin:28px 0 0}
.pb-in a{color:inherit;text-decoration:underline;text-underline-offset:3px}.photo-band p.pb-def{margin-bottom:14px}

/* Villes : rendu par cartes (maquette UX, champs kind / advice / context ; seulement si la ville les utilise) */
.city-sec{padding:56px 0}.city-sec+.city-sec{padding-top:0}.city-sec .sec-head{margin-bottom:28px}
.city-sec .sec-head h2{font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:.4em}.city-sec .sec-head p{color:var(--mut);font-size:1.02rem;margin:0}
.city-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:16px}
@media(min-width:700px){.city-cards{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}}
@media(min-width:1080px){.city-cards--3{grid-template-columns:repeat(3,minmax(0,1fr))}}
.city-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);border-radius:var(--r);padding:20px 22px}
.city-card--org{border-top-color:var(--navy)}
.cc-kind{font:700 .74rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.06em;color:var(--mut);margin:0 0 6px}
.cc-name{font:700 1.08rem/1.35 var(--head);color:var(--navy);margin:0 0 8px}.cc-name strong{font-weight:inherit}
.cc-text{margin:0 0 12px;color:var(--ink);font-size:.98rem}.cc-text .num-v{font-weight:600;color:var(--navy)}
.cc-src{font-size:.84rem;line-height:1.5;color:var(--mut);margin:auto 0 0;padding-top:10px;border-top:1px solid var(--line)}
.cc-src a,.ctx-line a,.advice a{padding-block:3px}
.cc-link{margin:0 0 12px}.cc-link a{display:inline-block;min-height:24px;padding:2px 0;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.cc-link .ic{display:inline;width:16px;height:16px;vertical-align:-2px;margin-left:6px}
.sec-note{font-size:.88rem;color:var(--mut);margin:18px 0 0;max-width:820px}
.advice{background:var(--mint);border:1px solid #cfe9db;border-left:6px solid var(--green-t);border-radius:var(--r);padding:24px 20px}
.advice-head{display:flex;gap:14px;align-items:flex-start;margin-bottom:18px}.advice-head .ic{color:var(--green-t);width:32px;height:32px;margin-top:2px;flex:none}
.advice h2{font-size:clamp(1.4rem,2.4vw,1.85rem);margin:0 0 4px}.advice-head p{margin:0;color:var(--ink)}
.advice-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:12px}
.advice-item{background:#fff;border-radius:6px;padding:16px 18px;display:flex;gap:12px;align-items:flex-start}
.advice-item .ic{color:var(--green-t);width:22px;height:22px;margin-top:3px;flex:none}.advice-item p{margin:0;font-size:.98rem}
.advice-for{display:block;font:700 .78rem/1.4 var(--head);text-transform:uppercase;letter-spacing:.05em;color:var(--navy);margin-bottom:4px}
.ctx-line{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;line-height:1.55;color:var(--mut);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:14px 0}
.ctx-line .ic{width:18px;height:18px;margin-top:2px;color:var(--mut);flex:none}.ctx-line p{margin:0}.ctx-line strong{color:var(--ink);font-weight:600}
.city-cta{display:flex;flex-direction:column;gap:14px;align-items:flex-start;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:var(--r);padding:20px 22px}
.city-cta p{margin:0;color:var(--navy);font-weight:600;font-size:1.05rem}.city-cta .btn{width:100%}
.city-sec+.fade-green{margin-top:16px}.city-sec+.fade-green+.sec{padding-top:24px}
@media(min-width:700px){.advice{padding:32px 36px}.city-cta{flex-direction:row;align-items:center;justify-content:space-between}.city-cta .btn{width:auto}}
@media(min-width:860px){.advice-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.advice-item:last-child:nth-child(odd){grid-column:1/-1}}
@media(max-width:600px){.city-sec{padding:40px 0}.advice{padding:20px 14px;border-left-width:5px}.advice-item{padding:14px;gap:10px}.advice-head .ic{width:26px;height:26px}}
/* Raccourci vers les conseils (sous le hero) : cible ≥ 24 px ; le titre reste visible sous l'en-tête collant */
.city-jump{margin:0 0 18px}.city-jump a{display:inline-flex;align-items:center;gap:8px;min-height:32px;padding:4px 0;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.city-jump .ic{transform:rotate(90deg)}
#conseils-ti{scroll-margin-top:12px} /* s'ajoute à html{scroll-padding-top:96px} (en-tête collant : 81 px ordi, 69 px mobile) */
/* Sources des cartes, mobile : plus petites et compactes, coupure propre des longs titres (contraste --mut ≈ 6,9:1, AA) */
@media(max-width:600px){.city-card{padding:18px 16px}.cc-src{font-size:.75rem;line-height:1.4;letter-spacing:-.005em;padding-top:8px;overflow-wrap:anywhere;hyphens:auto;text-wrap:pretty}.cc-src a{padding-block:0}.cc-src time{white-space:nowrap}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
.main-col .example-box .h-box{font-size:.85rem}
.cta-band .cta-band-t{font-size:clamp(1.6rem,2.8vw,2.25rem);font-weight:400;line-height:1.2;color:#fff;margin:0 0 4px}
/* ---- Accueil : hero épuré (maquette UX approuvée QA) — H1, phrase courte, un seul bouton, réassurance ---- */
.hero-calm{position:relative;background:var(--navy-d);color:#fff;overflow:hidden;border-bottom:5px solid var(--green)}
.hero-calm .hero-pattern{opacity:.4}
.hero-calm-in{position:relative;z-index:1;padding-top:56px;padding-bottom:60px}
.hero-calm h1{color:#fff;font-size:clamp(2.1rem,5.2vw,3.6rem);font-weight:600;line-height:1.12;letter-spacing:-.015em;max-width:15em;margin:0 0 20px}
.hero-calm .accent{color:var(--green-l)}
.hero-calm .lead{font-size:clamp(1.08rem,1.6vw,1.3rem);line-height:1.6;color:#e4e8f1;max-width:34em;margin:0 0 32px}
.hero-calm .btn{min-height:52px;padding:14px 30px;font-size:1.05rem}
.hero-calm .btn:focus-visible{outline:3px solid var(--green-l);outline-offset:3px}
.hero-calm .cta-reassurance{margin:18px 0 0;color:#d3dbe8;font-size:.95rem}
@media(min-width:700px){.hero-calm-in{padding-top:112px;padding-bottom:120px}}
@media(max-width:600px){.hero-calm .btn{width:100%}}
/* 3 étapes (#processus) : vertical sur mobile, horizontal dès 860 px ; H2 visible au style des H2 de l'accueil */
.flow-sec{padding:56px 0 8px;background:#fff}
.flow-title{margin:0 0 32px}
.flow{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:0}
.flow-step{display:grid;grid-template-columns:56px 1fr;gap:0 18px;align-content:start;position:relative;padding:0 0 30px}
.flow-step:last-child{padding-bottom:0}
.flow-step:not(:last-child)::before{content:"";position:absolute;left:27px;top:64px;bottom:6px;width:2px;background:var(--line)}
.flow-badge{position:relative;display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--mint);color:var(--green-t)}
.flow-badge .ic{width:26px;height:26px}
.flow-num{position:absolute;top:-4px;left:-4px;display:grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font:700 .85rem/1 var(--head);box-shadow:0 0 0 3px #fff}
.flow-step p{margin:0}
.flow-txt{padding-top:4px}
.flow-t{font:600 1.08rem/1.45 var(--sans);color:var(--navy)}
.flow-step .flow-h{margin-top:4px;color:var(--mut);font-size:.95rem;line-height:1.55}
@media(min-width:860px){.flow-sec{padding:80px 0 16px}.flow{grid-template-columns:repeat(3,minmax(0,1fr));gap:48px}.flow-step{grid-template-columns:1fr;padding:0}
.flow-step:not(:last-child)::before{left:76px;right:-36px;top:27px;bottom:auto;width:auto;height:2px}.flow-badge{margin-bottom:18px}.flow-txt{padding-top:0;max-width:22em}}
/* Puces de type de projet : vrais liens, cibles ≥ 44 px */
.chips-sec{padding:40px 0 64px;background:#fff}
.chips-box{border-top:1px solid var(--line);padding-top:36px}
.chips-l{font:700 .82rem/1.3 var(--head);text-transform:uppercase;letter-spacing:.08em;color:var(--navy);margin:0 0 16px}
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;min-height:44px;padding:8px 18px;border:1px solid #8a93a3;border-radius:999px;background:#fff;color:var(--navy);font-weight:600;font-size:.95rem;line-height:1.3;text-decoration:none;transition:background .15s,border-color .15s,color .15s}
.chip:hover{border-color:var(--green-t);background:var(--mint);color:var(--navy)}
.chip:focus-visible{outline:3px solid var(--green);outline-offset:2px}
.chips-sec+.compare-sec{border-top:1px solid var(--line)}
@media(max-width:600px){.chips{gap:8px}.chip{font-size:.9rem;padding:8px 14px}}
/* Ligne de réassurance en liste : pas de « · » orphelin en fin de ligne */
ul.cta-reassurance{list-style:none;padding:0;display:flex;flex-wrap:wrap;column-gap:.75rem;row-gap:.15rem}
ul.cta-reassurance li{white-space:nowrap;margin:0}
ul.cta-reassurance li+li::before{content:"·";content:"·" / "";margin-right:.75rem}
@media(max-width:480px){ul.cta-reassurance li+li::before{content:none}}
/* Page « Devenir fournisseur » : critères en cartes (2 col. bureau, 1 mobile), formulaire d'une page */
.prov-crit .sec-head{margin-bottom:32px}
.prov-cards{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.prov-card{display:flex;gap:16px;align-items:flex-start;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:var(--r);padding:22px;background:#fff}
.prov-card .circle{width:44px;height:44px;flex:none}.prov-card .circle .ic{width:22px;height:22px}
.prov-card h3{font:700 1.02rem/1.35 var(--head);text-transform:none;letter-spacing:0;margin:0 0 6px;color:var(--navy)}.prov-card p{margin:0;color:var(--ink)}
#verification{border-top:1px solid var(--line)}
.prov-form .pf-set{margin:0 0 36px;padding:0 0 28px;border-bottom:1px solid var(--line)}
.prov-form .pf-set:last-of-type{border-bottom:0;padding-bottom:0}
.prov-form input[type=text],.prov-form input[type=email],.prov-form input[type=tel],.prov-form input[type=url],.prov-form input[type=date],.prov-form select,.prov-form textarea{font-size:16px;width:100%;font-family:inherit;color:var(--ink);padding:12px 14px;border:1px solid #8a93a3;border-radius:6px;background:#fff}
.prov-form input:focus{outline:3px solid rgba(0,150,77,.35);border-color:var(--green-t)}
.req-m{font-weight:400;color:var(--mut);font-size:.88em}
.ferr{color:#b3261e;font-weight:600;font-size:.9rem;margin:6px 0 0}.ferr:empty{display:none}
.pf-summary:empty,.pf-submit-err:empty{display:none}
.grp{margin-top:18px}.grp-l{font:600 .92rem/1.4 var(--sans);color:var(--navy);margin:0 0 8px}
.chk-grid{display:flex;flex-wrap:wrap;gap:10px}.chk-grid.cols2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}
.chk{display:flex;gap:10px;align-items:flex-start;border:1px solid var(--line);border-radius:6px;padding:10px 14px;min-height:44px;cursor:pointer;background:#fff}
.chk input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--green-t);flex:none}
.chk:has(input:checked){border-color:var(--green-t);background:var(--mint)}
.chk:has(input[aria-invalid=true]){border-color:#b3261e}
.prov-form .consent{margin-top:16px}
.ref-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.ref-card{border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 8px;background:var(--g1)}
.ref-card .grid2{grid-template-columns:1fr}.ref-card label.f{margin-top:12px}
.pf-intro{color:var(--mut);margin:0 0 24px}
@media(max-width:860px){.prov-cards,.ref-cards{grid-template-columns:1fr}}
@media(max-width:600px){.chk-grid.cols2{grid-template-columns:1fr}.prov-card{padding:18px}}
@media(min-width:860px){#verification .flow:has(>li:nth-child(4)){grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}}
.page-hero .lead+.lead{margin-top:.6em}