/* ─────────────────────────────────────────
   Thomas Fouqueray — IA Groupe Financier
   style.css
   ───────────────────────────────────────── */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;1,300;1,400&family=Outfit:wght@300;400;500&display=swap');

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Outfit', sans-serif;
  font-weight: 300;
  background: #FAFAF7;
  color: #1C1C1C;
  line-height: 1.7;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }

/* ── Tokens ── */
:root {
  --navy:      #1A3A5C;
  --navy-dark: #102540;
  --navy-soft: #EBF0F7;
  --gold:      #C9A96E;
  --gold-light:#F5EDD8;
  --cream:     #FAFAF7;
  --warm-gray: #F2EFE9;
  --text:      #1C1C1C;
  --muted:     #6B6862;
  --border:    rgba(26,58,92,0.12);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 2px 12px rgba(26,58,92,0.07);
  --shadow-md: 0 8px 32px rgba(26,58,92,0.10);
  --shadow-lg: 0 20px 60px rgba(26,58,92,0.13);
}

/* ── Announcement bar ── */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,0.9);
  text-align: center;
  font-size: 13px;
  font-weight: 400;
  padding: 10px 1.5rem;
  letter-spacing: 0.2px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.topbar strong { color: var(--gold); font-weight: 500; }
.topbar a {
  color: white;
  border-bottom: 1px solid rgba(255,255,255,0.4);
  transition: border-color 0.2s;
}
.topbar a:hover { border-color: white; }
.topbar-icon { color: var(--gold); font-size: 15px; }

/* ── Nav ── */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250,250,247,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.nav-logo {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.3px;
  white-space: nowrap;
}
.nav-logo span { color: var(--gold); font-weight: 700; }
.nav-links {
  display: flex;
  gap: 1.4rem;
  font-size: 13px;
  font-weight: 400;
  color: var(--muted);
  list-style: none;
  white-space: nowrap;
  flex-wrap: nowrap;
}
.nav-links a { transition: color 0.2s; }
.nav-links a:hover { color: var(--navy); }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-phone {
  font-size: 13px;
  color: var(--muted);
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-phone i { color: var(--gold); }
.btn-nav {
  background: var(--navy);
  color: white;
  border: none;
  padding: 9px 20px;
  border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif;
  font-size: 13px;
  font-weight: 400;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
}
.btn-nav:hover { background: var(--navy-dark); transform: translateY(-1px); }

/* ── Hero ── */
.hero {
  max-width: 1080px;
  margin: 0 auto;
  padding: 5rem 2rem 4rem;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.4rem;
}
.hero-eyebrow::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--gold);
}
.hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(36px, 4.5vw, 56px);
  font-weight: 300;
  line-height: 1.1;
  color: var(--navy-dark);
  margin-bottom: 1.2rem;
  letter-spacing: -0.5px;
}
.hero h1 em {
  font-style: italic;
  color: var(--gold);
}
.hero-text {
  font-size: 16px;
  color: var(--muted);
  line-height: 1.8;
  margin-bottom: 2.2rem;
  max-width: 460px;
}
.hero-ctas { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
.btn-primary {
  background: var(--navy);
  color: white;
  border: none;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif;
  font-size: 14px;
  font-weight: 400;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-primary:hover {
  background: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--border);
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif;
  font-size: 14px;
  font-weight: 400;
  cursor: pointer;
  transition: background 0.2s, border-color 0.2s;
}
.btn-ghost:hover { background: var(--warm-gray); border-color: var(--navy); }

.hero-trust {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-top: 2.2rem;
  padding-top: 1.8rem;
  border-top: 1px solid var(--border);
}
.trust-item { text-align: center; }
.trust-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  font-weight: 400;
  color: var(--navy);
  display: block;
}
.trust-label { font-size: 12px; color: var(--muted); line-height: 1.3; }
.trust-sep { width: 1px; height: 36px; background: var(--border); }

/* ── Hero right: card + photo ── */
.hero-visual { position: relative; }
.hero-photo-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-lg);
}
.hero-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.hero-photo-wrap:hover img { transform: scale(1.03); }
.hero-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(16,37,64,0.7) 0%, transparent 55%);
}
.hero-card-float {
  position: absolute;
  bottom: -1.5rem;
  left: -2rem;
  background: white;
  border-radius: var(--radius-md);
  padding: 1.2rem 1.4rem;
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  border: 1px solid rgba(201,169,110,0.2);
}
.hcard-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 18px;
  font-weight: 400;
  color: var(--navy-dark);
  margin-bottom: 2px;
}
.hcard-role { font-size: 12px; color: var(--muted); margin-bottom: 10px; }
.hcard-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold-light);
  color: #8B6914;
  font-size: 12px;
  font-weight: 500;
  padding: 5px 10px;
  border-radius: 20px;
}
.hero-photo-caption {
  position: absolute;
  bottom: 1.2rem;
  right: 1.2rem;
  color: rgba(255,255,255,0.7);
  font-size: 11px;
  letter-spacing: 0.5px;
}

/* ── Section shared ── */
.section { padding: 5rem 2rem; }
.container { max-width: 1080px; margin: 0 auto; }
.section-header { margin-bottom: 3rem; }
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.8rem;
}
.section-eyebrow::before {
  content: '';
  width: 20px;
  height: 1px;
  background: var(--gold);
}
.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 300;
  color: var(--navy-dark);
  line-height: 1.15;
  margin-bottom: 0.6rem;
}
.section-sub { font-size: 15px; color: var(--muted); max-width: 520px; line-height: 1.8; }

/* ── Montreal photo band ── */
.montreal-band {
  width: 100%;
  height: 340px;
  position: relative;
  overflow: hidden;
}
.montreal-band img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 60%;
}
.montreal-band-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(16,37,64,0.75) 0%, rgba(16,37,64,0.3) 60%, transparent 100%);
  display: flex;
  align-items: center;
  padding: 0 4rem;
}
.montreal-text h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 300;
  color: white;
  line-height: 1.2;
  margin-bottom: 0.8rem;
  max-width: 480px;
}
.montreal-text h2 em { font-style: italic; color: var(--gold); }
.montreal-text p { font-size: 15px; color: rgba(255,255,255,0.8); margin-bottom: 1.6rem; max-width: 360px; }

/* ── Products ── */
.section-products { background: var(--warm-gray); }
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.product-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.product-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(201,169,110,0.3); }
.product-card:hover::after { transform: scaleX(1); }
.product-icon-wrap {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--navy-soft);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.2rem;
  color: var(--navy);
  font-size: 22px;
  transition: background 0.2s;
}
.product-card:hover .product-icon-wrap { background: var(--gold-light); color: #8B6914; }
.product-card h3 { font-size: 16px; font-weight: 500; margin-bottom: 8px; color: var(--navy-dark); }
.product-card p { font-size: 14px; color: var(--muted); line-height: 1.7; }
.product-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--navy);
  margin-top: 14px;
  font-weight: 400;
  transition: gap 0.2s;
}
.product-card:hover .product-link { gap: 10px; }

/* ── CTA Banner ── */
.cta-band {
  background: var(--navy);
  padding: 4rem 2rem;
}
.cta-band-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
}
.cta-band h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 300;
  color: white;
  line-height: 1.2;
  margin-bottom: 8px;
}
.cta-band h2 em { font-style: italic; color: var(--gold); }
.cta-band p { font-size: 15px; color: rgba(255,255,255,0.65); }
.btn-gold {
  background: var(--gold);
  color: var(--navy-dark);
  border: none;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.2s, transform 0.15s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-gold:hover { background: #B8944F; transform: translateY(-2px); }

/* ── Tips / Articles ── */
.tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.tip-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.8rem;
  cursor: pointer;
  transition: transform 0.2s, box-shadow 0.2s;
}
.tip-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.tip-tag {
  display: inline-block;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-light);
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.tip-card h3 { font-size: 17px; font-weight: 400; color: var(--navy-dark); margin-bottom: 10px; line-height: 1.4; font-family: 'Cormorant Garamond', serif; }
.tip-card p { font-size: 14px; color: var(--muted); line-height: 1.7; }
.tip-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 14px;
  font-size: 12px;
  color: var(--muted);
}
.tip-meta i { font-size: 13px; }

/* ── FAQ ── */
.section-faq { background: var(--warm-gray); }
.faq-list { display: flex; flex-direction: column; gap: 10px; max-width: 720px; }
.faq-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-q {
  padding: 1.2rem 1.6rem;
  font-size: 15px;
  font-weight: 400;
  color: var(--navy-dark);
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  gap: 1rem;
  user-select: none;
}
.faq-q i { color: var(--gold); font-size: 18px; transition: transform 0.25s; flex-shrink: 0; }
.faq-item.open .faq-q i { transform: rotate(45deg); }
.faq-a {
  padding: 0 1.6rem;
  max-height: 0;
  overflow: hidden;
  font-size: 14px;
  color: var(--muted);
  line-height: 1.8;
  transition: max-height 0.35s ease, padding 0.25s;
}
.faq-item.open .faq-a { max-height: 200px; padding: 0 1.6rem 1.4rem; }
.faq-border { border-top: 1px solid var(--border); margin: 0 1.6rem; display: none; }
.faq-item.open .faq-border { display: block; }

/* ── Footer ── */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
}
.footer-top {
  max-width: 1080px;
  margin: 0 auto;
  padding: 4rem 2rem 3rem;
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 3rem;
}
.footer-brand {}
.footer-logo {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 400;
  color: white;
  margin-bottom: 0.8rem;
}
.footer-logo span { color: var(--gold); }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 1.4rem; }
.footer-social { display: flex; gap: 10px; }
.social-btn {
  width: 36px; height: 36px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px;
  color: rgba(255,255,255,0.6);
  transition: border-color 0.2s, color 0.2s, background 0.2s;
  cursor: pointer;
}
.social-btn:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,169,110,0.1); }
.footer-col h4 {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: white;
  margin-bottom: 1.2rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col li { font-size: 14px; cursor: pointer; transition: color 0.2s; }
.footer-col li:hover { color: var(--gold); }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  margin-bottom: 10px;
}
.footer-contact-item i { color: var(--gold); font-size: 15px; margin-top: 2px; flex-shrink: 0; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.4rem 2rem;
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
  flex-wrap: wrap;
}
.footer-bottom a { color: rgba(255,255,255,0.35); transition: color 0.2s; }
.footer-bottom a:hover { color: var(--gold); }

/* ── Mobile nav burger (hidden on desktop) ── */
.nav-burger {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  width: 40px; height: 40px;
  align-items: center; justify-content: center;
  font-size: 20px;
  color: var(--navy);
  cursor: pointer;
  flex-shrink: 0;
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero { gap: 2.5rem; }
  .hero h1 { font-size: clamp(32px, 5vw, 48px); }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .epargne-grid { gap: 2.5rem; }
  .page-hero-inner { gap: 2.5rem; }
}

@media (max-width: 860px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: var(--cream);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    flex-direction: column;
    gap: 0;
    padding: 0.5rem 0;
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a {
    display: block;
    padding: 14px 2rem;
    border-bottom: 1px solid var(--border);
    font-size: 16px;
  }
  .nav-phone { display: none; }
  .nav-burger { display: flex; }
  .btn-nav { padding: 9px 16px; font-size: 13px; }
  nav { position: sticky; }
}

@media (max-width: 768px) {
  .topbar { font-size: 12px; padding: 8px 1rem; gap: 6px; flex-wrap: wrap; text-align: center; }
  .topbar span { display: block; width: 100%; }

  .hero-section { padding-bottom: 1rem; }
  .hero { grid-template-columns: 1fr; gap: 2rem; padding: 2.5rem 0 2rem; }
  .hero-visual { display: none; }
  .hero h1 { font-size: 34px; }
  .hero-text { font-size: 15px; max-width: 100%; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas button { width: 100%; justify-content: center; }
  .hero-trust { flex-wrap: wrap; gap: 1rem; justify-content: space-between; }
  .trust-sep { display: none; }
  .trust-item { flex: 1 1 28%; }

  .montreal-band { height: 260px; }
  .montreal-band-overlay { padding: 0 1.5rem; background: linear-gradient(to top, rgba(16,37,64,0.85) 0%, rgba(16,37,64,0.55) 100%); align-items: flex-end; padding-bottom: 1.5rem; }
  .montreal-text h2 { font-size: 24px; max-width: 100%; }
  .montreal-text p { max-width: 100%; }

  .section { padding: 3rem 1.25rem; }
  .section-title { font-size: 26px; }
  .section-sub { max-width: 100%; }

  .products-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .product-card { padding: 1.3rem; }
  .product-card h3 { font-size: 15px; }
  .product-card p { font-size: 13px; }

  .cta-band { padding: 2.5rem 1.25rem; }
  .cta-band-inner { flex-direction: column; text-align: center; gap: 1.5rem; }
  .cta-band-inner .btn-gold { width: 100%; justify-content: center; }

  .epargne-grid { grid-template-columns: 1fr; gap: 2rem; }
  .epargne-stat-row { gap: 1rem; }
  .epargne-num { font-size: 28px; }
  .chart-bars { height: 130px; }

  .guide-band-inner { flex-direction: column; text-align: center; gap: 1.2rem; padding: 1.8rem 1.25rem; }
  .guide-band-inner .btn-gold { margin: 0 auto; width: 100%; justify-content: center; }

  .tips-grid { grid-template-columns: 1fr; }

  .faq-q { padding: 1rem 1.2rem; font-size: 14px; }
  .faq-a { font-size: 13px; }
  .faq-item.open .faq-a { padding: 0 1.2rem 1.2rem; }

  .contact-wrap { grid-template-columns: 1fr; gap: 2.5rem; }
  .form-row { grid-template-columns: 1fr; }

  .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem 1.5rem; padding: 2.5rem 1.25rem 2rem; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; gap: 8px; padding: 1.4rem 1.25rem; }

  /* Product pages */
  .page-hero { padding: 3rem 1.25rem; }
  .page-hero-inner { grid-template-columns: 1fr; gap: 2rem; }
  .page-hero h1 { font-size: 30px; }
  .page-hero p { font-size: 14px; }
  .page-hero-card { padding: 1.4rem; }
  .content-section { padding: 2.5rem 1.25rem; }
  .content-grid { grid-template-columns: 1fr; gap: 2rem; }
  .content-block h2 { font-size: 24px; }
  .product-cta-band { padding: 2.5rem 1.25rem; }
  .product-cta-inner h2 { font-size: 24px; }
  .product-cta-inner .cta-btns { flex-direction: column; }
  .product-cta-inner .cta-btns button { width: 100%; justify-content: center; }

  /* Popup */
  .popup-box { padding: 2.2rem 1.5rem 1.8rem; }
  .popup-title { font-size: 22px; }
}

@media (max-width: 480px) {
  .products-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .trust-item { flex: 1 1 100%; text-align: left; }
  .hero-trust { flex-direction: row; flex-wrap: wrap; }
  .nav-logo { font-size: 19px; }
}

/* ══════════════════════════════════════
   POPUP
══════════════════════════════════════ */
.popup-overlay {
  position: fixed; inset: 0; z-index: 1000;
  background: rgba(16,37,64,0.65);
  backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center;
  padding: 1.5rem;
  opacity: 0; pointer-events: none;
  transition: opacity 0.35s ease;
}
.popup-overlay.active { opacity: 1; pointer-events: all; }
.popup-box {
  background: white; border-radius: var(--radius-lg);
  padding: 2.8rem 2.5rem 2.2rem;
  max-width: 480px; width: 100%;
  position: relative;
  transform: translateY(20px);
  transition: transform 0.35s ease;
  box-shadow: var(--shadow-lg);
  border-top: 4px solid var(--gold);
  text-align: center;
}
.popup-overlay.active .popup-box { transform: translateY(0); }
.popup-close {
  position: absolute; top: 1rem; right: 1rem;
  background: var(--warm-gray); border: none; border-radius: 50%;
  width: 32px; height: 32px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; color: var(--muted); font-size: 16px;
  transition: background 0.2s;
}
.popup-close:hover { background: var(--gold-light); color: var(--gold); }
.popup-icon {
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--gold-light); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin: 0 auto 1.2rem;
}
.popup-eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold); margin-bottom: 0.6rem;
}
.popup-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px; font-weight: 400;
  color: var(--navy-dark); line-height: 1.2; margin-bottom: 0.8rem;
}
.popup-sub {
  font-size: 14px; color: var(--muted); line-height: 1.7; margin-bottom: 1.8rem;
}
.popup-form { display: flex; flex-direction: column; gap: 12px; margin-bottom: 10px; }
.popup-input {
  width: 100%; padding: 12px 16px;
  border: 1px solid var(--border); border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif; font-size: 14px;
  color: var(--text); outline: none; transition: border-color 0.2s;
}
.popup-input:focus { border-color: var(--gold); }
.popup-btn { width: 100%; justify-content: center; padding: 14px; font-size: 15px; }
.popup-legal { font-size: 11px; color: var(--muted); margin-bottom: 14px; }
.popup-skip {
  background: none; border: none; color: var(--muted);
  font-size: 12px; cursor: pointer; text-decoration: underline;
  font-family: 'Outfit', sans-serif;
}
.popup-success { padding: 1rem 0; }
.popup-success i { font-size: 48px; color: #27AE60; display: block; margin-bottom: 12px; }
.popup-success p { font-size: 16px; color: var(--navy-dark); font-weight: 500; }

/* ══════════════════════════════════════
   ÉPARGNE SECTION
══════════════════════════════════════ */
.epargne-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.epargne-chart-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem;
  color: white;
}
.chart-label {
  font-size: 13px; font-weight: 500; letter-spacing: 0.5px;
  color: rgba(255,255,255,0.7); margin-bottom: 1.8rem;
}
.chart-bars {
  display: flex; align-items: flex-end; gap: 16px;
  height: 160px; margin-bottom: 1rem;
}
.chart-bar-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 6px; height: 100%; justify-content: flex-end; }
.chart-bar {
  width: 100%; background: linear-gradient(to top, var(--gold), #E8C47A);
  border-radius: 6px 6px 0 0;
  display: flex; align-items: flex-end; justify-content: center;
  padding-bottom: 8px; transition: opacity 0.2s;
}
.chart-bar span { font-size: 11px; color: var(--navy-dark); font-weight: 500; }
.chart-val { font-size: 12px; color: rgba(255,255,255,0.8); font-weight: 400; }
.chart-note { font-size: 11px; color: rgba(255,255,255,0.4); line-height: 1.5; }
.epargne-stat-row { display: flex; gap: 2rem; margin-bottom: 1.6rem; }
.epargne-stat { flex: 1; }
.epargne-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 36px; font-weight: 400; color: var(--navy-dark);
  display: block; line-height: 1;
}
.epargne-lbl { font-size: 13px; color: var(--muted); line-height: 1.4; display: block; margin-top: 4px; }
.epargne-text { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 1.4rem; }
.epargne-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 1.8rem; }
.epargne-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--text); }
.epargne-list li i { color: var(--gold); font-size: 16px; margin-top: 1px; flex-shrink: 0; }

/* ══════════════════════════════════════
   GUIDE BAND
══════════════════════════════════════ */
.guide-band { background: var(--gold-light); border-top: 1px solid rgba(201,169,110,0.3); border-bottom: 1px solid rgba(201,169,110,0.3); }
.guide-band-inner {
  max-width: 1080px; margin: 0 auto;
  padding: 2.2rem 2rem;
  display: flex; align-items: center; gap: 2rem;
}
.guide-icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: var(--gold); color: white; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
}
.guide-band-inner h3 { font-size: 17px; font-weight: 500; color: var(--navy-dark); margin-bottom: 4px; }
.guide-band-inner p { font-size: 14px; color: var(--muted); }
.guide-band-inner .btn-gold { margin-left: auto; flex-shrink: 0; }

/* ══════════════════════════════════════
   NAV — police plus grosse et grasse
══════════════════════════════════════ */
.nav-links { font-size: 13px; font-weight: 500; }
.nav-links a { color: var(--text); }
.nav-links a:hover { color: var(--navy); }
.nav-logo { font-size: 21px; }

/* ══════════════════════════════════════
   CONTACT LAYOUT
══════════════════════════════════════ */
.contact-wrap { display: grid; grid-template-columns: 1fr 1.4fr; gap: 5rem; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 14px; }
.contact-info-item { display: flex; align-items: center; gap: 12px; font-size: 15px; color: var(--muted); }
.contact-info-item i { color: var(--gold); font-size: 18px; }
.contact-form { display: flex; flex-direction: column; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 13px; color: var(--muted); font-weight: 400; }
.form-field input, .form-field select, .form-field textarea {
  padding: 11px 14px; border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'Outfit', sans-serif; font-size: 14px;
  background: white; color: var(--text); outline: none;
  transition: border-color 0.2s;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--gold); }
.form-field textarea { resize: vertical; }

/* ══════════════════════════════════════
   PRODUCT PAGE LAYOUT
══════════════════════════════════════ */
.page-hero {
  background: var(--navy);
  padding: 5rem 2rem 4rem;
  color: white;
}
.page-hero-inner {
  max-width: 1080px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.page-hero-eyebrow { font-size: 12px; font-weight: 500; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 1rem; display: block; }
.page-hero h1 { font-family: 'Cormorant Garamond', serif; font-size: clamp(32px, 4vw, 52px); font-weight: 300; line-height: 1.15; margin-bottom: 1rem; }
.page-hero h1 em { font-style: italic; color: var(--gold); }
.page-hero p { font-size: 16px; color: rgba(255,255,255,0.75); line-height: 1.8; margin-bottom: 1.8rem; }
.page-hero-card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15); border-radius: var(--radius-md); padding: 2rem; }
.page-hero-card h3 { font-size: 14px; font-weight: 500; letter-spacing: 0.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 1.2rem; }
.page-hero-fact { display: flex; gap: 12px; margin-bottom: 14px; align-items: flex-start; }
.page-hero-fact i { color: var(--gold); font-size: 18px; margin-top: 2px; flex-shrink: 0; }
.page-hero-fact p { font-size: 14px; color: rgba(255,255,255,0.8); line-height: 1.6; }

.content-section { max-width: 1080px; margin: 0 auto; padding: 4rem 2rem; }
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; }
.content-block h2 { font-family: 'Cormorant Garamond', serif; font-size: 28px; font-weight: 400; color: var(--navy-dark); margin-bottom: 1rem; }
.content-block p { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 1rem; }
.content-block ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.content-block ul li { display: flex; gap: 10px; font-size: 14px; color: var(--muted); }
.content-block ul li i { color: var(--gold); flex-shrink: 0; margin-top: 2px; }

.scenario-cards { display: flex; flex-direction: column; gap: 14px; }
.scenario-card { background: white; border: 1px solid var(--border); border-left: 3px solid var(--gold); border-radius: var(--radius-md); padding: 1.4rem 1.6rem; }
.scenario-card h4 { font-size: 15px; font-weight: 500; color: var(--navy-dark); margin-bottom: 6px; }
.scenario-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }

.product-cta-band { background: var(--warm-gray); padding: 4rem 2rem; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.product-cta-inner { max-width: 720px; margin: 0 auto; text-align: center; }
.product-cta-inner h2 { font-family: 'Cormorant Garamond', serif; font-size: 32px; font-weight: 400; color: var(--navy-dark); margin-bottom: 0.8rem; }
.product-cta-inner p { font-size: 15px; color: var(--muted); margin-bottom: 1.8rem; }
.product-cta-inner .cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* footer link style */
footer a { color: rgba(255,255,255,0.6); text-decoration: none; transition: color 0.2s; }
footer a:hover { color: var(--gold); }
.footer-col li a { color: rgba(255,255,255,0.6); font-size: 14px; text-decoration: none; }

/* ══════════════════════════════════════
   TÉMOIGNAGES
══════════════════════════════════════ */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.testimonial-card {
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius-md); padding: 1.8rem;
  display: flex; flex-direction: column;
}
.testimonial-stars { color: var(--gold); font-size: 14px; margin-bottom: 1rem; letter-spacing: 2px; }
.testimonial-text { font-size: 14px; color: var(--text); line-height: 1.8; margin-bottom: 1.4rem; flex-grow: 1; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy-soft); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Cormorant Garamond', serif; font-size: 16px; font-weight: 500;
  flex-shrink: 0;
}
.testimonial-name { font-size: 14px; font-weight: 500; color: var(--navy-dark); }
.testimonial-role { font-size: 12px; color: var(--muted); }
.testimonial-empty {
  border: 1.5px dashed var(--border); border-radius: var(--radius-md);
  padding: 2rem; text-align: center; color: var(--muted);
  display: flex; flex-direction: column; align-items: center; gap: 10px;
}
.testimonial-empty i { font-size: 28px; color: var(--gold); }
.testimonial-empty p { font-size: 13px; line-height: 1.6; }

/* ══════════════════════════════════════
   ABOUT PAGE
══════════════════════════════════════ */
.about-hero {
  max-width: 1080px; margin: 0 auto;
  padding: 4rem 2rem 3rem;
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 4rem; align-items: center;
}
.about-photo {
  border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 1; box-shadow: var(--shadow-lg);
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-timeline { display: flex; flex-direction: column; gap: 1.6rem; margin-top: 2rem; }
.timeline-item { display: flex; gap: 16px; }
.timeline-dot {
  width: 36px; height: 36px; border-radius: 50%; flex-shrink: 0;
  background: var(--navy-soft); color: var(--navy);
  display: flex; align-items: center; justify-content: center; font-size: 16px;
}
.timeline-content h4 { font-size: 15px; font-weight: 500; color: var(--navy-dark); margin-bottom: 4px; }
.timeline-content p { font-size: 14px; color: var(--muted); line-height: 1.6; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.value-card { text-align: center; padding: 1.8rem 1.4rem; }
.value-icon {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--gold-light); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 24px; margin: 0 auto 1rem;
}
.value-card h3 { font-size: 16px; font-weight: 500; color: var(--navy-dark); margin-bottom: 8px; font-family: 'Cormorant Garamond', serif; }
.value-card p { font-size: 14px; color: var(--muted); line-height: 1.7; }

@media (max-width: 768px) {
  .testimonials-grid { grid-template-columns: 1fr; }
  .about-hero { grid-template-columns: 1fr; gap: 2rem; padding: 2.5rem 1.25rem; }
  .about-photo { max-width: 320px; margin: 0 auto; }
  .values-grid { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════
   CONCOURS / PROMO BAND — style "offre flash"
══════════════════════════════════════ */
.promo-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  position: relative;
  overflow: hidden;
}
.promo-band::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 280px; height: 280px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,169,110,0.3) 0%, transparent 70%);
}
.promo-band::after {
  content: '';
  position: absolute;
  bottom: -100px; left: 10%;
  width: 240px; height: 240px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,107,53,0.12) 0%, transparent 70%);
}
.promo-band-inner {
  max-width: 1080px; margin: 0 auto;
  padding: 2.4rem 2rem;
  display: flex; align-items: center; gap: 2rem;
  position: relative; z-index: 1;
  flex-wrap: wrap;
}

/* Prize badge — big circular "10 000$" */
.promo-prize {
  flex-shrink: 0;
  width: 110px; height: 110px;
  border-radius: 50%;
  background: linear-gradient(145deg, #F5D78E, var(--gold));
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  box-shadow: 0 0 0 4px rgba(201,169,110,0.18), 0 8px 24px rgba(0,0,0,0.25);
  position: relative;
  animation: promo-pulse-ring 2.4s infinite;
}
.promo-prize-amount { font-family: 'Cormorant Garamond', serif; font-size: 26px; font-weight: 600; color: var(--navy-dark); line-height: 1; }
.promo-prize-currency { font-size: 11px; font-weight: 600; color: var(--navy-dark); margin-top: 2px; letter-spacing: 1px; }
.promo-prize-label { font-size: 9px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(16,37,64,0.6); margin-top: 3px; }

@keyframes promo-pulse-ring {
  0%   { box-shadow: 0 0 0 0 rgba(255,107,53,0.45), 0 8px 24px rgba(0,0,0,0.25); }
  70%  { box-shadow: 0 0 0 14px rgba(255,107,53,0), 0 8px 24px rgba(0,0,0,0.25); }
  100% { box-shadow: 0 0 0 0 rgba(255,107,53,0), 0 8px 24px rgba(0,0,0,0.25); }
}

.promo-content { flex: 1; min-width: 240px; }
.promo-tag {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
  color: white; background: linear-gradient(135deg, #FF6B35, #E8542A);
  padding: 5px 12px; border-radius: 20px; margin-bottom: 10px;
}
.promo-tag i { font-size: 13px; }
.promo-band h3 { font-size: 20px; font-weight: 500; color: white; margin-bottom: 6px; line-height: 1.3; }
.promo-band h3 em { font-style: italic; color: var(--gold); font-weight: 600; }
.promo-band p { font-size: 14px; color: rgba(255,255,255,0.6); margin-bottom: 0; }

/* Countdown */
.promo-countdown {
  display: flex; gap: 10px; margin-top: 14px;
}
.promo-countdown-item {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  padding: 8px 12px;
  text-align: center;
  min-width: 56px;
}
.promo-countdown-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px; font-weight: 600; color: var(--gold);
  line-height: 1; display: block;
}
.promo-countdown-lbl {
  font-size: 10px; color: rgba(255,255,255,0.5);
  text-transform: uppercase; letter-spacing: 1px; margin-top: 2px; display: block;
}

.promo-band .btn-gold {
  flex-shrink: 0;
  animation: promo-btn-pulse 2.4s infinite;
  box-shadow: 0 4px 16px rgba(201,169,110,0.35);
}
@keyframes promo-btn-pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.035); }
}

.promo-spots {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; color: rgba(255,255,255,0.55);
  margin-top: 10px;
}
.promo-spots i { color: #FF6B35; font-size: 14px; }
.promo-spots strong { color: var(--gold); }

@media (max-width: 768px) {
  .promo-band-inner { flex-direction: column; text-align: center; gap: 1.2rem; padding: 2rem 1.25rem; }
  .promo-prize { width: 90px; height: 90px; }
  .promo-prize-amount { font-size: 21px; }
  .promo-countdown { justify-content: center; }
  .promo-band .btn-gold { width: 100%; justify-content: center; }
  .promo-spots { justify-content: center; }
}

/* ══════════════════════════════════════
   CALCULATRICE
══════════════════════════════════════ */
.calc-wrap {
  display: grid; grid-template-columns: 1fr 1.2fr; gap: 3rem;
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 2.5rem;
  box-shadow: var(--shadow-md);
}
.calc-inputs { display: flex; flex-direction: column; gap: 1.6rem; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 14px; color: var(--text); font-weight: 500; margin-bottom: 8px;
}
.calc-field label .calc-value { font-family: 'Cormorant Garamond', serif; font-size: 20px; color: var(--navy); font-weight: 600; }
.calc-field input[type="range"] {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 4px; border-radius: 2px; background: var(--border); outline: none;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); cursor: pointer;
  border: 3px solid white; box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.calc-field input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); cursor: pointer;
  border: 3px solid white; box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.calc-field-note { font-size: 12px; color: var(--muted); margin-top: 6px; }

.calc-results { display: flex; flex-direction: column; gap: 1.2rem; }
.calc-result-main {
  background: var(--navy); border-radius: var(--radius-md);
  padding: 1.6rem; text-align: center; color: white;
}
.calc-result-main .calc-result-label { font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(255,255,255,0.6); margin-bottom: 6px; }
.calc-result-main .calc-result-value { font-family: 'Cormorant Garamond', serif; font-size: 42px; font-weight: 600; color: var(--gold); }
.calc-result-row { display: flex; gap: 1rem; }
.calc-result-card {
  flex: 1; background: var(--warm-gray); border-radius: var(--radius-md);
  padding: 1.2rem; text-align: center;
}
.calc-result-card .calc-result-label { font-size: 11px; letter-spacing: 1px; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.calc-result-card .calc-result-value { font-family: 'Cormorant Garamond', serif; font-size: 24px; font-weight: 600; color: var(--navy-dark); }

.calc-chart { display: flex; align-items: flex-end; gap: 8px; height: 140px; margin-top: 0.5rem; }
.calc-chart-bar-wrap { flex: 1; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; height: 100%; gap: 6px; }
.calc-chart-bar {
  width: 100%; border-radius: 4px 4px 0 0;
  background: linear-gradient(to top, var(--navy), var(--navy-soft));
  position: relative; min-height: 4px;
  transition: height 0.3s ease;
}
.calc-chart-bar .bar-segment-gain {
  position: absolute; top: 0; left: 0; right: 0;
  background: var(--gold); border-radius: 4px 4px 0 0;
}
.calc-chart-year { font-size: 11px; color: var(--muted); }

/* Investment type cards */
.invest-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.invest-card {
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius-md); padding: 1.4rem 1.6rem;
  display: flex; gap: 14px;
}
.invest-icon {
  width: 42px; height: 42px; flex-shrink: 0; border-radius: var(--radius-sm);
  background: var(--navy-soft); color: var(--navy);
  display: flex; align-items: center; justify-content: center; font-size: 19px;
}
.invest-card h4 { font-size: 15px; font-weight: 500; color: var(--navy-dark); margin-bottom: 4px; }
.invest-card p { font-size: 13px; color: var(--muted); line-height: 1.6; }
.invest-risk {
  display: inline-block; font-size: 10px; font-weight: 600; letter-spacing: 1px;
  text-transform: uppercase; padding: 2px 8px; border-radius: 10px; margin-top: 6px;
}
.risk-low { background: #E3F4E9; color: #2D7D4F; }
.risk-mid { background: var(--gold-light); color: #8B6914; }
.risk-high { background: #FBE4DC; color: #C0492B; }

@media (max-width: 768px) {
  .calc-wrap { grid-template-columns: 1fr; gap: 2rem; padding: 1.6rem; }
  .calc-result-main .calc-result-value { font-size: 32px; }
  .invest-grid { grid-template-columns: 1fr; }
  .calc-chart { height: 110px; }
}

/* ══════════════════════════════════════
   RESPONSIVE OVERHAUL — mobile-first fixes
   All breakpoints re-audited June 2026
══════════════════════════════════════ */

/* ── NAV: prevent wrapping of phone/logo at medium sizes ── */
@media (max-width: 1100px) {
  .nav-inner { gap: 0.6rem; padding: 0 1rem; }
  .nav-links { gap: 1rem; font-size: 12px; }
  .nav-phone { display: none; }
  .btn-nav { padding: 8px 14px; font-size: 12px; }
}
@media (max-width: 960px) {
  .nav-phone { display: none; }
  .nav-links { gap: 0.8rem; font-size: 12px; }
}

@media (max-width: 860px) {
  /* Already has burger - ensure btn-nav doesn't wrap */
  .btn-nav { font-size: 12px; padding: 8px 12px; white-space: nowrap; }
  .nav-inner { padding: 0 1rem; }
}

/* ── HERO: fix epargne grid stat overflow ── */
@media (max-width: 768px) {
  .epargne-grid { grid-template-columns: 1fr; }
  .epargne-stat-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
  .epargne-num { font-size: 30px; }
  .chart-bars { gap: 10px; }
  .chart-val { font-size: 11px; word-break: break-word; }

  /* Product grid: 1 col on very small */
  .products-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
}

@media (max-width: 540px) {
  .products-grid { grid-template-columns: 1fr; }
  .epargne-stat-row { grid-template-columns: 1fr 1fr; }
}

/* ── PHOTO BAND (montreal band) ── */
@media (max-width: 768px) {
  .montreal-band { height: 220px; }
  .montreal-band img { object-position: center center; }
  .montreal-band-overlay {
    background: linear-gradient(to top, rgba(16,37,64,0.9) 0%, rgba(16,37,64,0.5) 100%);
    align-items: flex-end; padding: 1.5rem 1.25rem;
  }
  .montreal-text h2 { font-size: 22px; }
  .montreal-text p { font-size: 13px; margin-bottom: 1rem; }
  .montreal-text .btn-gold { font-size: 13px; padding: 11px 18px; }
}

/* ── CONTACT FORM on index.html ── */
@media (max-width: 768px) {
  .contact-wrap { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; gap: 10px; }
  .form-field input, .form-field select, .form-field textarea { font-size: 16px; /* prevent iOS zoom */ }
}

/* ── TOPBAR ── */
@media (max-width: 540px) {
  .topbar { font-size: 11px; gap: 4px; }
  .topbar span { display: inline; }
  .topbar-icon { display: none; }
}

/* ── CTA BAND ── */
@media (max-width: 768px) {
  .cta-band-inner { flex-direction: column; align-items: flex-start; gap: 1.2rem; }
  .cta-band h2 { font-size: 22px; }
  .cta-band p { font-size: 14px; }
  .cta-band-inner .btn-gold { width: 100%; justify-content: center; }
}

/* ── GUIDE BAND ── */
@media (max-width: 768px) {
  .guide-band-inner { flex-direction: column; gap: 1rem; padding: 1.5rem 1.25rem; }
  .guide-band-inner .btn-gold { width: 100%; justify-content: center; }
}

/* ── PROMO BAND ── */
@media (max-width: 600px) {
  .promo-band-inner { flex-direction: column; align-items: center; text-align: center; gap: 1rem; }
  .promo-countdown { flex-wrap: wrap; justify-content: center; gap: 6px; }
  .promo-countdown-item { min-width: 48px; }
  .promo-band .btn-gold { width: 100%; justify-content: center; }
  .promo-spots { justify-content: center; }
}

/* ── TIPS GRID ── */
@media (max-width: 768px) {
  .tips-grid { grid-template-columns: 1fr; gap: 14px; }
  .tip-card { padding: 1.4rem; }
}

/* ── TESTIMONIALS ── */
@media (max-width: 768px) {
  .testimonials-grid { grid-template-columns: 1fr; gap: 14px; }
}

/* ── FAQ ── */
@media (max-width: 540px) {
  .faq-q { font-size: 14px; padding: 1rem; }
  .faq-a { font-size: 13px; }
}

/* ── FOOTER ── */
@media (max-width: 768px) {
  .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem 1.5rem; padding: 2rem 1.25rem; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; font-size: 11px; gap: 6px; }
}
@media (max-width: 480px) {
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom span:nth-child(2) { display: none; } /* hide legal on tiny screens */
}

/* ── ABOUT PAGE ── */
@media (max-width: 768px) {
  .about-hero { grid-template-columns: 1fr; gap: 2rem; padding: 2rem 1.25rem; }
  .about-photo { max-width: 280px; margin: 0 auto; }
  .values-grid { grid-template-columns: 1fr; gap: 10px; }
  .value-card { padding: 1.4rem 1rem; text-align: left; display: flex; gap: 14px; align-items: flex-start; }
  .value-icon { margin: 0; flex-shrink: 0; }
}

/* ── PRODUCT PAGES hero ── */
@media (max-width: 768px) {
  .page-hero { padding: 2.5rem 1.25rem 2rem; }
  .page-hero-inner { grid-template-columns: 1fr; gap: 1.8rem; }
  .page-hero h1 { font-size: 28px; line-height: 1.2; }
  .page-hero p { font-size: 14px; }
  .page-hero-card { padding: 1.2rem; }
  .page-hero-fact { gap: 10px; }
  .page-hero-fact p { font-size: 13px; }
}

/* ── CONTENT SECTIONS (product pages) ── */
@media (max-width: 768px) {
  .content-section { padding: 2rem 1.25rem; }
  .content-grid { grid-template-columns: 1fr; gap: 1.8rem; }
  .content-block h2 { font-size: 22px; }
  .content-block p { font-size: 14px; }
  .content-block ul li { font-size: 13px; }
  .scenario-cards { gap: 10px; }
  .scenario-card { padding: 1.1rem 1.2rem; }
  .scenario-card h4 { font-size: 14px; }
  .scenario-card p { font-size: 13px; }
}

/* ── PRODUCT CTA BAND ── */
@media (max-width: 768px) {
  .product-cta-band { padding: 2.5rem 1.25rem; }
  .product-cta-inner h2 { font-size: 22px; }
  .product-cta-inner p { font-size: 14px; }
  .product-cta-inner .cta-btns { flex-direction: column; gap: 10px; }
  .product-cta-inner .cta-btns button { width: 100%; justify-content: center; }
}

/* ── CALC DARK (calculatrice) ── */
@media (max-width: 860px) {
  .calc-dark { grid-template-columns: 1fr; }
  .calc-dark-left { border-bottom: 1px solid rgba(255,255,255,0.1); }
  .calc-dark-cta { display: none; }
}
@media (max-width: 540px) {
  .calc-dark-input-row input { font-size: 24px; }
  .calc-dark-result-value { font-size: 32px; }
  .calc-dark-totals-row { font-size: 13px; }
  .calc-chart-wrap { min-height: 180px; }
  .calc-legend { gap: 0.8rem; flex-wrap: wrap; }
}

/* ── INVEST GRID ── */
@media (max-width: 768px) {
  .invest-grid { grid-template-columns: 1fr; gap: 12px; }
  .calc-disclaimer { font-size: 12px; padding: 0.9rem 1rem; }
}

/* ── POPUP ── */
@media (max-width: 480px) {
  .popup-box { padding: 2rem 1.2rem 1.5rem; border-radius: var(--radius-md); }
  .popup-title { font-size: 20px; }
  .popup-sub { font-size: 13px; }
}

/* ── SECTION GENERAL ── */
@media (max-width: 480px) {
  .section { padding: 2.5rem 1rem; }
  .section-title { font-size: 24px; }
  .section-sub { font-size: 14px; }
  .section-header { margin-bottom: 2rem; }
}

/* ── HERO on index ── */
@media (max-width: 480px) {
  .hero { padding: 2rem 1rem 1.5rem; }
  .hero h1 { font-size: 30px; }
  .hero-text { font-size: 14px; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas button { width: 100%; justify-content: center; }
  .hero-trust { gap: 0.8rem; }
  .trust-num { font-size: 22px; }
  .trust-label { font-size: 11px; }
}

/* ── SCROLLABLE TABLE WRAPPER (for future use) ── */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ── PREVENT TEXT OVERFLOW everywhere ── */
* { word-break: break-word; }
h1, h2, h3, h4 { word-break: normal; overflow-wrap: break-word; }

/* ── INPUT FONT SIZE 16px on mobile to prevent iOS zoom ── */
@media (max-width: 768px) {
  input, select, textarea {
    font-size: 16px !important;
  }
}

/* ══════════════════════════════════════
   PHOTO INSERTS — product pages
══════════════════════════════════════ */
.page-photo-band {
  width: 100%; height: 220px;
  position: relative; overflow: hidden;
  margin-bottom: 0;
}
.page-photo-band img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center 40%;
  display: block;
}
.page-photo-band-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(16,37,64,0.65) 0%, transparent 60%);
  display: flex; align-items: center; padding: 0 2.5rem;
}
.page-photo-band-text {
  color: white;
}
.page-photo-band-text .eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold); margin-bottom: 6px;
  display: block;
}
.page-photo-band-text h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(20px, 2.5vw, 30px);
  font-weight: 300; line-height: 1.2; max-width: 480px;
}
.page-photo-band-text h3 em { font-style: italic; color: var(--gold); }
@media (max-width: 768px) {
  .page-photo-band { height: 180px; }
  .page-photo-band-overlay { padding: 0 1.25rem; }
  .page-photo-band-text h3 { font-size: 18px; }
}