:root{
  --neuf:#323a8a; --neuf-dark:#232a6b; --rouge:#ed1651;
  --ink:#1c2033; --muted:#5b6078; --line:#e3e5ef; --bg:#ffffff; --soft:#f4f5fb; --sea:#e8f1f6;
  --radius:14px;
  --font:"Area Normal", Aptos, "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.55;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--neuf)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;font-weight:800}
h2{font-size:clamp(1.6rem,3.5vw,2.3rem);color:var(--neuf)}
h3{font-size:1.2rem}
.kicker{display:inline-block;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--rouge);margin-bottom:.6em}
section{padding:64px 0}
.soft{background:var(--soft)}

/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;line-height:1.1}
.brand .mark{width:34px;height:34px;border-radius:8px;background:var(--neuf);display:grid;place-items:center;color:#fff}
.brand small{display:block;font-weight:600;color:var(--muted);font-size:.72rem;letter-spacing:.04em}
.top .tel{font-weight:800;text-decoration:none;white-space:nowrap}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 22px;border-radius:999px;font-weight:800;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--rouge);color:#fff}
.btn-primary:hover{background:#d10f45}
.btn-neuf{background:var(--neuf);color:#fff}
.btn-neuf:hover{background:var(--neuf-dark)}
.btn-ghost{background:#fff;color:var(--neuf);border-color:var(--neuf)}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}

/* hero */
.hero{position:relative;color:#fff;background:linear-gradient(160deg,#1e2a6e 0%,#323a8a 45%,#2a7fa3 100%);padding:72px 0 80px;overflow:hidden}
.hero.has-photo{background:linear-gradient(90deg,rgba(20,25,70,.88) 0%,rgba(20,25,70,.55) 60%,rgba(20,25,70,.25) 100%),var(--hero) center/cover}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:60px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath d='M0 30 C240 60 480 0 720 30 S1200 60 1440 30 V60 H0Z' fill='%23ffffff'/%3E%3C/svg%3E") center/100% 100% no-repeat}
.hero .eyebrow{font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.85rem;opacity:.9}
.hero h1{font-size:clamp(3rem,9vw,6rem);letter-spacing:.04em;margin:.15em 0 .1em}
.hero .sub{font-size:clamp(1.15rem,2.4vw,1.5rem);max-width:640px;margin:0}
.facts{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.fact{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:12px 16px;min-width:150px}
.fact b{display:block;font-size:1.35rem}
.fact span{font-size:.85rem;opacity:.9}
.hero .btn-ghost{background:transparent;color:#fff;border-color:#fff}
.hero .fine{font-size:.78rem;opacity:.8;margin-top:18px}

/* cards & grids */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{color:var(--neuf)}
.checks{list-style:none;padding:0;margin:18px 0 0}
.checks li{padding:6px 0 6px 30px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:11px;width:18px;height:18px;border-radius:50%;background:var(--neuf) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/12px no-repeat}
.stat{font-size:2rem;font-weight:800;color:var(--neuf)}
.typo .tag{display:inline-block;background:var(--sea);color:var(--neuf);font-weight:800;border-radius:8px;padding:4px 10px;margin-bottom:12px}
.typo a{font-weight:800;text-decoration:none}
.note{font-size:.8rem;color:var(--muted);margin-top:14px}

/* gallery */
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:12px}
.gallery img{border-radius:12px;aspect-ratio:4/3;object-fit:cover;width:100%}

/* offer */
.offer{background:var(--rouge);color:#fff;border-radius:20px;padding:36px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}
.offer h2{color:#fff;margin:0}
.offer .btn{background:#fff;color:var(--rouge)}
.offer .note{color:rgba(255,255,255,.85)}

/* form */
.form-zone{display:grid;grid-template-columns:1fr 1.25fr;gap:32px;align-items:start}
.advisor{background:var(--neuf);color:#fff;border-radius:20px;overflow:hidden}
.advisor img{width:100%;aspect-ratio:1/1;object-fit:cover}
.advisor .in{padding:24px}
.advisor h3{color:#fff;font-size:1.5rem;margin-bottom:.2em}
.advisor a{color:#fff;font-weight:800}
.advisor .role{opacity:.85;margin:0 0 14px}
.advisor .legal{font-size:.75rem;opacity:.75;margin-top:16px}
form.lead{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 10px 30px rgba(50,58,138,.08)}
form.lead h2{margin-bottom:.2em}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-weight:700;font-size:.92rem;margin-top:14px}
input[type=text],input[type=email],input[type=tel],select{width:100%;margin-top:6px;padding:13px 14px;border:1.5px solid #cfd3e3;border-radius:10px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid rgba(50,58,138,.2);border-color:var(--neuf)}
fieldset{border:0;padding:0;margin:14px 0 0}
legend{font-weight:700;font-size:.92rem;padding:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.chips label{margin:0;font-weight:600}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:inline-block;padding:9px 14px;border:1.5px solid #cfd3e3;border-radius:999px;cursor:pointer;user-select:none}
.chips input:checked+span{background:var(--neuf);border-color:var(--neuf);color:#fff}
.chips input:focus-visible+span{outline:3px solid rgba(50,58,138,.3)}
.consent{font-size:.78rem;color:var(--muted);margin-top:16px}
form.lead .btn{width:100%;margin-top:18px;font-size:1.05rem}
.msg{margin-top:14px;padding:14px;border-radius:10px;display:none}
.msg.ok{display:block;background:#e9f7ee;color:#17603a}
.msg.err{display:block;background:#fdecef;color:#9b1233}

/* footer */
footer{background:#161a3a;color:#c9cce0;padding:40px 0;font-size:.85rem}
footer a{color:#fff}
footer .cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px}

/* sticky mobile bar */
.mbar{display:none}
@media (max-width:820px){
  body{font-size:16px}
  section{padding:48px 0}
  .form-zone{grid-template-columns:1fr}
  .advisor{order:2}
  .row{grid-template-columns:1fr}
  .top .tel span{display:none}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:30;background:#fff;border-top:1px solid var(--line);padding:10px 12px;gap:8px}
  .mbar a{flex:1;padding:12px 8px;font-size:.9rem}
  body{padding-bottom:70px}
  .offer{padding:26px}
  .facts{display:grid;grid-template-columns:1fr 1fr}
  .fact{min-width:0}
  .fact b{font-size:1.1rem}
  .hero .ctas .btn{width:100%}
}

/* cookie banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:50;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 10px 30px rgba(0,0,0,.15);padding:18px;font-size:.88rem;display:none}
.cookie.show{display:block}
.cookie .ctas{margin-top:12px}
.cookie .btn{padding:10px 16px;font-size:.9rem}
@media (max-width:820px){.cookie{bottom:84px}}

/* logo PP Neuf en en-tête */
.top .wrap{height:88px}
.brand .logo{height:72px;width:auto}
.brand .site{border-left:1px solid var(--line);padding-left:12px;font-size:1.05rem}
@media (max-width:820px){
  .top .wrap{height:72px}
  .brand .logo{height:58px}
  .brand .site{font-size:.95rem}
}