@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Serif:wght@600;700&display=swap');
:root{--navy:#0a1832;--navy2:#14294e;--gold:#b01e28;--gold2:#e05560;--red:#b01e28;--red2:#e05560;--red-soft:#fdecee;--white:#fff;--soft:#f5f7fa;--text:#182338;--muted:#677284;--line:#dfe4ec;--shadow:0 20px 50px rgba(10,24,50,.12);--r:16px;--max:1180px}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'IBM Plex Sans',Arial,sans-serif;color:var(--text);line-height:1.65;background:#fff}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}button,input,select,textarea{font:inherit}.container{width:min(calc(100% - 36px),var(--max));margin:auto}.topbar{background:#060f21;color:#d9e3ed;font-size:.78rem}.topbar .container{min-height:34px;display:flex;justify-content:space-between;align-items:center;gap:16px}.topbar-links{display:flex;gap:22px}.header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid #e8edf2}.nav{height:80px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-family:'IBM Plex Serif',serif;font-size:1.35rem;font-weight:700;white-space:nowrap}.crest{width:45px;height:51px;border:2px solid var(--gold);border-radius:45% 45% 52% 52%/22% 22% 62% 62%;display:grid;place-items:center;color:var(--gold);font-size:1.6rem}.brand small{display:block;font-family:'IBM Plex Sans',sans-serif;font-size:.55rem;letter-spacing:.18em;color:#8b3a40}.navlinks{display:flex;align-items:center;gap:23px;list-style:none}.navlinks a{font-size:.85rem;font-weight:700;color:#14243a;position:relative}.navlinks a:after{content:'';position:absolute;left:0;bottom:-9px;width:0;height:2px;background:var(--red);transition:.2s}.navlinks a:hover:after,.navlinks a.active:after{width:100%}.nav-actions{display:flex;align-items:center;gap:10px}.phone-pill{border:1px solid #cad3dd;padding:10px 13px;border-radius:8px;font-size:.78rem;font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border-radius:7px;border:0;font-weight:700;cursor:pointer;transition:.2s}.btn:hover{transform:translateY(-2px)}.btn-gold{background:linear-gradient(135deg,#c92b36,var(--gold));color:#fff;box-shadow:0 10px 25px rgba(176,30,40,.3)}.btn-navy{background:var(--navy);color:#fff}.btn-outline{border:1px solid rgba(255,255,255,.45);color:#fff;background:transparent}.menu{display:none;width:44px;height:44px;background:#fff;border:1px solid var(--line);border-radius:8px;font-size:1.3rem}.hero{position:relative;background:linear-gradient(95deg,rgba(10,24,50,.99) 0%,rgba(10,24,50,.93) 48%,rgba(10,24,50,.35) 100%),url('../images/hero-meeting.jpg') center/cover;min-height:610px;color:#fff;display:flex;align-items:center}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:50px;align-items:center;padding:70px 0}.eyebrow{display:inline-flex;align-items:center;gap:10px;color:var(--gold2);font-size:.76rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;margin-bottom:15px}.eyebrow:before{content:'';width:30px;height:2px;background:var(--gold)}h1,h2{font-family:'IBM Plex Serif',serif;line-height:1.12}h1{font-size:clamp(2.5rem,5vw,4.8rem)}h2{font-size:clamp(2rem,3.3vw,3.25rem);color:var(--navy)}h3{line-height:1.25}.hero h1 span{color:var(--gold2)}.hero p{font-size:1.03rem;color:#dce5ec;max-width:660px;margin-top:22px}.hero-features{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 28px;margin:26px 0}.hero-features span{font-size:.87rem}.hero-buttons{display:flex;gap:14px;flex-wrap:wrap}.sim-card{background:#fff;color:var(--text);border-radius:16px;overflow:hidden;box-shadow:0 24px 70px rgba(0,0,0,.3)}.sim-head{background:var(--navy);color:#fff;padding:17px 22px;font-weight:700;font-size:1.05rem}.sim-body{padding:22px}.range-row{margin-bottom:19px}.range-label{display:flex;justify-content:space-between;font-size:.82rem;margin-bottom:7px}.range-label strong{color:var(--navy)}input[type=range]{width:100%;accent-color:var(--red)}.range-minmax{display:flex;justify-content:space-between;color:#758093;font-size:.7rem}.sim-results{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0}.result{background:#f0f3f6;border-radius:9px;padding:13px}.result small{display:block;color:#5f6c7d}.result strong{display:block;color:var(--navy);font-size:1.2rem}.trustbar{border-bottom:1px solid var(--line);background:#fff}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr)}.trustitem{padding:24px 20px;display:flex;gap:13px;align-items:center;border-right:1px solid var(--line);font-size:.83rem}.trustitem:last-child{border:0}.icon{width:44px;height:44px;border:1px solid rgba(176,30,40,.35);background:var(--red-soft);color:var(--red);border-radius:12px;display:grid;place-items:center;font-size:1.2rem;flex:0 0 auto}.section{padding:92px 0}.soft{background:var(--soft)}.section-head{max-width:720px;margin-bottom:40px}.section-head p{color:var(--muted);margin-top:15px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 7px 22px rgba(10,24,50,.04);transition:.25s}.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#dc9aa0}.card .icon{margin-bottom:18px}.card p{color:var(--muted);font-size:.91rem;margin-top:10px}.card-link{display:inline-block;color:var(--red);font-weight:700;font-size:.8rem;margin-top:18px}.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}.image-panel{min-height:470px;border-radius:var(--r);background:url('../images/advisor-consultation.jpg') center/cover;box-shadow:var(--shadow)}.checklist{list-style:none;display:grid;gap:13px;margin-top:25px}.checklist li{display:flex;gap:12px}.checklist i{color:var(--gold);font-style:normal;font-weight:900}.stats{background:var(--navy);color:#fff}.stats h2{color:#fff}.statgrid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:35px;border:1px solid rgba(255,255,255,.14)}.stat{text-align:center;padding:34px;border-right:1px solid rgba(255,255,255,.14)}.stat:last-child{border:0}.stat strong{font-family:'IBM Plex Serif',serif;color:var(--gold2);font-size:2.6rem;display:block}.stat span{font-size:.8rem;color:#cbd6df}.cta{background:linear-gradient(100deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;padding:38px 45px;display:flex;justify-content:space-between;align-items:center;gap:25px}.cta h2{color:#fff;font-size:2rem}.cta p{color:#d4dfe8}.page-hero{background:linear-gradient(95deg,rgba(10,24,50,.98),rgba(10,24,50,.68)),url('../images/bank-interior.jpg') center/cover;color:#fff;padding:95px 0}.page-hero h1{font-size:clamp(2.7rem,5vw,4.4rem)}.page-hero p{max-width:720px;color:#dce5ec;margin-top:18px}.faq-layout{display:grid;grid-template-columns:1.35fr .65fr;gap:35px}.accordion{display:grid;gap:12px}.faq-item{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}.faq-q{width:100%;border:0;background:#fff;padding:19px 22px;display:flex;justify-content:space-between;text-align:left;font-weight:700;color:var(--navy);cursor:pointer}.faq-a{display:none;padding:0 22px 20px;color:var(--muted)}.faq-item.open .faq-a{display:block}.faq-item.open .faq-q span:last-child{transform:rotate(45deg)}.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;box-shadow:var(--shadow)}.contact-list{display:grid;gap:15px;margin:24px 0}.contact-list a{color:var(--navy);font-weight:700}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-size:.81rem;font-weight:700;color:#28364a}.field input,.field select,.field textarea{width:100%;border:1px solid #ccd5df;border-radius:8px;padding:13px 14px;background:#fff}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid rgba(176,30,40,.2);border-color:var(--red)}.field textarea{min-height:135px;resize:vertical}.form-status{display:none;padding:12px;border-radius:8px;margin-bottom:16px}.form-status.ok{display:block;background:#e9f8ef;color:#136b39}.form-status.err{display:block;background:#fdecee;color:#a3232d}.article-card{overflow:hidden;padding:0}.article-card img{width:100%;height:210px;object-fit:cover}.article-body{padding:25px}.article-meta{color:var(--red);font-size:.75rem;font-weight:700}.article-body h3{margin:8px 0}.article-body p{margin-top:0}.solution-detail{display:grid;grid-template-columns:70px 1fr;gap:20px}.solution-detail .icon{width:62px;height:62px}.steps{counter-reset:steps;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{position:relative;padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--r)}.step:before{counter-increment:steps;content:'0' counter(steps);font-family:'IBM Plex Serif',serif;font-size:2.3rem;color:#e0a1a7;display:block}.legal-note{font-size:.78rem;color:var(--muted);margin-top:16px}.footer{background:#060f21;color:#cbd5de;padding:65px 0 20px}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:40px}.footer h4{color:#fff;margin-bottom:15px}.footer ul{list-style:none;display:grid;gap:9px;font-size:.84rem}.footer .brand{color:#fff;margin-bottom:15px}.footer p{font-size:.84rem}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:.74rem}.reveal{opacity:0;transform:translateY(20px);transition:.65s}.reveal.visible{opacity:1;transform:none}@media(max-width:1050px){.phone-pill{display:none}.navlinks{gap:14px}.grid4{grid-template-columns:repeat(2,1fr)}}@media(max-width:820px){.topbar{display:none}.menu{display:block}.navlinks{display:none;position:absolute;top:80px;left:18px;right:18px;background:#fff;box-shadow:var(--shadow);border:1px solid var(--line);border-radius:12px;padding:12px;flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.navlinks a{display:block;padding:10px}.nav-actions .btn{display:none}.hero-grid,.split,.faq-layout{grid-template-columns:1fr}.hero{background:linear-gradient(90deg,rgba(10,24,50,.96),rgba(10,24,50,.77)),url('../images/hero-meeting.jpg') center/cover}.trustgrid,.grid3,.steps{grid-template-columns:1fr 1fr}.statgrid{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:560px){.container{width:min(calc(100% - 26px),var(--max))}.section{padding:68px 0}.brand{font-size:1rem}.crest{width:38px;height:43px}.hero-grid{padding:55px 0}.hero-features,.trustgrid,.grid3,.grid4,.steps,.statgrid,.form-grid,.footer-grid{grid-template-columns:1fr}.hero-buttons{flex-direction:column}.hero-buttons .btn{width:100%}.trustitem{border-right:0;border-bottom:1px solid var(--line)}.stat{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}.cta{padding:30px 24px;flex-direction:column;align-items:flex-start}.field.full{grid-column:auto}.footer-bottom{flex-direction:column}}


/* --- Identité visuelle Furrer Group --- */
.brand{
  min-width:210px;
  padding:2px 0;
}
.brand-logo{
  display:block;
  width:auto;
  object-fit:contain;
}
.brand-logo-header{
  height:67px;
  max-width:250px;
}
.brand-logo-footer{
  height:105px;
  max-width:310px;
  object-position:left center;
}
.footer .brand{
  display:inline-flex;
  margin-bottom:12px;
}

/* --- Photo professionnelle réelle sur l'accueil --- */
.hero-grid{
  grid-template-columns:minmax(0,1fr) minmax(390px,.86fr);
  align-items:center;
  gap:52px;
}
.hero-photo-card{
  position:relative;
  min-height:510px;
  overflow:hidden;
  border:1px solid rgba(255,255,255,.18);
  border-radius:18px;
  background:var(--navy);
  box-shadow:0 28px 70px rgba(0,0,0,.34);
}
.hero-photo-card picture,
.hero-photo-card img{
  display:block;
  width:100%;
  height:100%;
}
.hero-photo-card img{
  min-height:510px;
  object-fit:cover;
  object-position:center;
}
.hero-photo-card:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(to top,rgba(3,20,33,.78),transparent 42%);
  pointer-events:none;
}
.hero-photo-caption{
  position:absolute;
  z-index:2;
  left:25px;
  right:25px;
  bottom:23px;
  padding-left:17px;
  border-left:3px solid var(--gold);
  color:#fff;
}
.hero-photo-caption strong{
  display:block;
  font-family:'IBM Plex Serif',serif;
  font-size:1.35rem;
}
.hero-photo-caption span{
  display:block;
  margin-top:3px;
  color:#e2eaf0;
  font-size:.84rem;
}

/* --- Langues dans la barre supérieure, à côté des téléphones --- */
.topbar-links{
  align-items:center;
}
.language-switcher{
  position:relative;
  z-index:1500;
}
.language-button{
  display:flex;
  align-items:center;
  gap:7px;
  min-height:30px;
  padding:4px 9px;
  border:1px solid rgba(255,255,255,.22);
  border-radius:6px;
  background:rgba(255,255,255,.06);
  color:#fff;
  font-size:.76rem;
  font-weight:700;
  cursor:pointer;
}
.language-button:hover,
.language-switcher.open .language-button{
  border-color:var(--gold2);
  background:rgba(255,255,255,.12);
}
.language-arrow{
  color:var(--gold2);
  transition:transform .2s ease;
}
.language-switcher.open .language-arrow{
  transform:rotate(180deg);
}
.language-menu{
  position:absolute;
  top:calc(100% + 8px);
  right:0;
  display:none;
  width:178px;
  padding:7px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:9px;
  box-shadow:0 18px 42px rgba(0,0,0,.22);
}
.language-switcher.open .language-menu{
  display:grid;
}
.language-menu button{
  display:flex;
  align-items:center;
  gap:9px;
  width:100%;
  padding:10px 11px;
  border:0;
  border-radius:6px;
  background:transparent;
  color:var(--navy);
  text-align:left;
  font-size:.83rem;
  font-weight:700;
  cursor:pointer;
}
.language-menu button:hover{
  background:#f2f5f7;
  color:var(--red);
}
#google_translate_element{
  position:absolute!important;
  width:1px!important;
  height:1px!important;
  overflow:hidden!important;
  opacity:0!important;
  pointer-events:none!important;
}
.goog-te-banner-frame,
.goog-te-banner-frame.skiptranslate,
body > .skiptranslate{
  display:none!important;
}
body{
  top:0!important;
}
.goog-tooltip,
.goog-tooltip:hover,
.goog-text-highlight{
  background:transparent!important;
  box-shadow:none!important;
}

@media(max-width:1050px){
  .brand-logo-header{height:57px;max-width:215px}
  .hero-grid{grid-template-columns:1fr 390px;gap:32px}
  .hero-photo-card,.hero-photo-card img{min-height:450px}
  .language-name{display:none}
}
@media(max-width:820px){
  .topbar{
    display:block;
  }
  .topbar .container{
    min-height:42px;
  }
  .topbar > .container > span{
    display:none;
  }
  .topbar-links{
    width:100%;
    justify-content:flex-end;
    gap:12px;
  }
  .topbar-links > a{
    font-size:.72rem;
  }
  .language-name{display:inline}
  .hero-grid{
    grid-template-columns:1fr;
  }
  .hero-photo-card{
    min-height:430px;
  }
  .hero-photo-card img{
    min-height:430px;
  }
}
@media(max-width:560px){
  .topbar-links{
    justify-content:space-between;
    gap:6px;
  }
  .topbar-links > a{
    font-size:.63rem;
  }
  .language-name{
    display:none;
  }
  .language-button{
    padding:4px 7px;
  }
  .brand{
    min-width:150px;
  }
  .brand-logo-header{
    height:47px;
    max-width:170px;
  }
  .brand-logo-footer{
    height:82px;
    max-width:240px;
  }
  .hero-photo-card,.hero-photo-card img{
    min-height:340px;
  }
}


/* =========================================================
   FURRER GROUP — PAGE D'ACCUEIL V3
   ========================================================= */
.home-v3{background:#fff;color:#071a2f}
.home-v3 .container{width:min(calc(100% - 48px),1380px)}
.home-topbar{height:34px;background:#031321;color:#fff}
.home-topbar .container{height:34px;min-height:34px}
.topbar-promises{display:flex;justify-content:space-between;align-items:center;gap:54px;width:70%;font-size:.72rem}
.topbar-promises span:first-child,.topbar-promises span:nth-child(2),.topbar-promises span:nth-child(3){white-space:nowrap}
.home-topbar .topbar-links{margin-left:auto}
.home-header{position:relative;top:auto;background:#fff}
.home-header .nav{height:91px}
.home-header .brand-logo-header{height:66px;max-width:265px}
.home-header .navlinks{gap:27px}
.home-header .navlinks a{font-size:.81rem;text-transform:uppercase}
.home-nav-actions{gap:10px}
.home-nav-actions .phone-pill{display:inline-flex;align-items:center;min-height:42px;padding:0 15px;border:1px solid #9faab8;border-radius:7px;font-size:.76rem}
.home-nav-actions .btn{min-height:42px;padding:0 18px;text-transform:uppercase;font-size:.75rem}

.home-hero{
  position:relative;
  min-height:455px;
  overflow:hidden;
  color:#fff;
  background:var(--navy);
}
.home-hero:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  background:linear-gradient(90deg,var(--navy) 0%,rgba(10,24,50,.98) 30%,rgba(10,24,50,.74) 51%,rgba(10,24,50,.18) 72%,rgba(10,24,50,.06) 100%);
}
.home-hero-photo{
  position:absolute;
  inset:0;
}
.home-hero-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center 42%;
}
.home-hero-grid{
  position:relative;
  z-index:2;
  min-height:455px;
  display:grid;
  grid-template-columns:minmax(0,1fr) 385px;
  gap:72px;
  align-items:center;
}
.home-hero-copy{max-width:550px;padding:34px 0}
.home-hero-copy h1{
  color:#fff;
  font-family:'IBM Plex Serif',serif;
  font-size:clamp(2.65rem,3.4vw,4.25rem);
  line-height:1.07;
  letter-spacing:-.02em;
}
.home-hero-copy h2{
  margin-top:12px;
  color:var(--gold2);
  font-size:clamp(1.35rem,2vw,2.1rem);
}
.home-hero-copy p{max-width:485px;margin-top:17px;color:#f0f3f6;font-size:.92rem}
.home-feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:28px 0 26px}
.home-feature{display:flex;align-items:center;gap:10px;color:#fff}
.home-feature b{flex:0 0 auto;display:grid;place-items:center;width:31px;height:31px;border:2px solid var(--gold);border-radius:50%;color:var(--gold);font-size:1rem}
.home-feature-text{display:flex;flex-direction:column;font-size:.72rem;line-height:1.4}
.home-feature-text strong{font-weight:700}
.home-feature-text span{color:#e4eaf1}
.home-hero-copy .hero-buttons{gap:14px}
.home-hero-copy .btn{min-height:46px;padding:0 19px;border-radius:5px;text-transform:uppercase;font-size:.76rem}
.home-hero-copy .btn-outline{border-color:var(--gold);color:#fff}

.home-simulator{
  align-self:center;
  overflow:hidden;
  border-radius:12px;
  background:#fff;
  color:var(--text);
  box-shadow:0 18px 48px rgba(0,0,0,.28);
}
.home-simulator .sim-head{padding:15px 20px;font-size:.98rem}
.home-simulator .sim-body{padding:15px 18px 13px}
.home-simulator .range-row{margin-bottom:13px}
.home-simulator .range-label{font-size:.74rem}
.home-simulator .range-minmax{font-size:.67rem}
.home-simulator .sim-results{margin:11px 0 10px}
.home-simulator .result{padding:9px 12px}
.home-simulator .result strong{font-size:1.1rem}
.sim-detail-btn{width:100%;min-height:34px;border-radius:4px;text-transform:uppercase;font-size:.71rem}
.sim-disclaimer{margin-top:8px;text-align:center;color:#647185;font-size:.64rem}

.home-trustbar{background:#fff;border-bottom:1px solid #e3e8ed}
.home-trustgrid{display:grid;grid-template-columns:repeat(5,1fr)}
.home-trustitem{min-height:78px;display:flex;align-items:center;gap:12px;padding:13px 17px;border-right:1px solid #e1e6eb;color:#15243a;font-size:.69rem;line-height:1.45}
.home-trustitem:last-child{border:0}
.home-trustitem .icon{width:38px;height:38px;border:0;background:transparent;font-size:1.5rem}
.home-trustitem b{font-weight:700}
.swiss-cross{display:grid;place-items:center;width:35px;height:35px;background:#d71920;color:#fff;font-size:1.4rem}
.home-trustitem.chamber{font-size:.68rem}

.home-content{padding:18px 0 14px;background:#fff}
.home-section-title{
  margin:0 0 11px;
  color:#071a2f;
  font-family:'IBM Plex Sans',Arial,sans-serif;
  font-size:.82rem;
  text-transform:uppercase;
  letter-spacing:.02em;
}
.home-lower-grid{display:grid;grid-template-columns:2.2fr .82fr 1.04fr;gap:18px}
.home-services{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.home-service-card{
  min-height:178px;
  padding:15px 12px 13px;
  border:1px solid #e0e5ea;
  border-radius:9px;
  background:#fff;
  text-align:center;
  box-shadow:0 5px 16px rgba(10,24,50,.06);
}
.service-icon{display:block;color:var(--gold);font-size:2rem;line-height:1}
.home-service-card h3{margin-top:8px;font-size:.78rem}
.home-service-card p{margin-top:7px;color:#344155;font-size:.61rem;line-height:1.55}
.home-service-card a{display:block;margin-top:11px;color:#a67525;text-transform:uppercase;font-size:.62rem;font-weight:700}

.home-about-card{
  padding:14px 15px;
  border:1px solid #e0e5ea;
  border-radius:9px;
  background:#fff;
}
.home-about-card h3,.home-stats-card h3{font-size:.78rem;text-transform:uppercase}
.home-about-card p{margin-top:11px;color:#26364b;font-size:.66rem;line-height:1.5}
.home-small-button{display:inline-block;margin-top:10px;padding:7px 11px;border:1px solid #78889a;border-radius:4px;text-transform:uppercase;font-size:.59rem;font-weight:700}

.home-stats-card{padding:15px;color:#fff;border-radius:9px;background:linear-gradient(145deg,#071c31,#0d3154)}
.home-stats-card h3{color:#fff}
.home-stats-grid{display:grid;grid-template-columns:1fr 1fr;margin-top:16px}
.home-stats-grid div{padding:10px 12px;border-right:1px solid rgba(255,255,255,.15);border-bottom:1px solid rgba(255,255,255,.15)}
.home-stats-grid div:nth-child(2n){border-right:0}
.home-stats-grid div:nth-last-child(-n+2){border-bottom:0}
.home-stats-grid strong{display:block;color:#fff;font-family:'IBM Plex Serif',serif;font-size:1.45rem}
.home-stats-grid span{display:block;color:#dce6ef;font-size:.59rem}

.home-cta{
  min-height:68px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:30px;
  margin-top:14px;
  padding:12px 22px;
  color:#fff;
  border-radius:7px;
  background:linear-gradient(90deg,var(--navy),#0b3358);
}
.home-cta div{display:flex;flex-direction:column}
.home-cta strong{font-family:'IBM Plex Serif',serif;font-size:1.18rem}
.home-cta span{font-size:.68rem;color:#dce6ef}
.home-cta .btn{min-height:36px;padding:0 24px;border-radius:4px;text-transform:uppercase;font-size:.68rem}

.home-footer{padding:16px 0 18px;border-top:1px solid #dde3e9;background:#fff}
.home-footer-row{display:flex;align-items:center;justify-content:space-between;gap:17px;flex-wrap:wrap;color:#12243b;font-size:.68rem}
.home-footer-row a:hover{color:#a67525}

/* High-resolution logo watermark on internal page hero backgrounds */
.logo-watermark-pages .page-hero.brand-watermark-hero{
  position:relative;
  isolation:isolate;
  overflow:hidden;
  background:
    radial-gradient(circle at 78% 50%,rgba(201,155,73,.16),transparent 28%),
    linear-gradient(100deg,var(--navy) 0%,#092744 62%,var(--navy) 100%);
}
.logo-watermark-pages .page-hero.brand-watermark-hero:before{
  content:"";
  position:absolute;
  z-index:-1;
  top:50%;
  right:7%;
  width:min(39vw,510px);
  aspect-ratio:1/1.18;
  transform:translateY(-50%);
  background:url("../images/furrer-shield-watermark-hd.webp") center/contain no-repeat;
  opacity:.30;
  filter:drop-shadow(0 18px 35px rgba(0,0,0,.38));
}
.logo-watermark-pages .page-hero.brand-watermark-hero:after{
  content:"";
  position:absolute;
  z-index:-1;
  inset:0;
  background:linear-gradient(90deg,rgba(10,24,50,.98) 0%,rgba(10,24,50,.88) 48%,rgba(10,24,50,.18) 100%);
}
.logo-watermark-pages .page-hero .container{position:relative;z-index:2}

@media(max-width:1260px){
  .home-v3 .container{width:min(calc(100% - 32px),1180px)}
  .home-header .navlinks{gap:16px}
  .home-nav-actions .phone-pill{display:none}
  .home-hero-grid{grid-template-columns:minmax(0,1fr) 355px;gap:38px}
  .home-services{grid-template-columns:repeat(2,1fr)}
  .home-service-card{min-height:160px}
}
@media(max-width:920px){
  .topbar-promises span:nth-child(3){display:none}
  .topbar-promises{width:auto;gap:20px}
  .home-header .menu{display:block}
  .home-header .navlinks{display:none}
  .home-header .navlinks.open{display:flex}
  .home-hero-grid{grid-template-columns:1fr;padding:45px 0}
  .home-hero-photo img{object-position:62% center}
  .home-simulator{max-width:520px;width:100%}
  .home-lower-grid{grid-template-columns:1fr 1fr}
  .home-services{grid-column:1/-1;grid-template-columns:repeat(4,1fr)}
  .home-trustgrid{grid-template-columns:repeat(2,1fr)}
  .home-trustitem:nth-child(2n){border-right:0}
}
@media(max-width:640px){
  .home-v3 .container{width:min(calc(100% - 22px),1380px)}
  .home-topbar{height:auto}
  .home-topbar .container{height:auto;min-height:38px}
  .topbar-promises{display:none}
  .home-topbar .topbar-links{width:100%;justify-content:flex-end}
  .home-header .brand-logo-header{height:50px;max-width:185px}
  .home-nav-actions .btn{display:none}
  .home-hero:before{background:rgba(10,24,50,.89)}
  .home-hero-photo img{object-position:center}
  .home-hero-grid{padding:38px 0}
  .home-hero-copy h1{font-size:2.5rem}
  .home-feature-row{grid-template-columns:1fr}
  .home-hero-copy .hero-buttons{flex-direction:column}
  .home-hero-copy .btn{width:100%}
  .home-trustgrid{grid-template-columns:1fr}
  .home-trustitem{border-right:0;border-bottom:1px solid #e1e6eb}
  .home-services{grid-template-columns:1fr 1fr}
  .home-lower-grid{grid-template-columns:1fr}
  .home-services{grid-column:auto}
  .home-cta{align-items:flex-start;flex-direction:column}
  .home-cta .btn{width:100%}
  .home-footer-row{align-items:flex-start;flex-direction:column}
  .logo-watermark-pages .page-hero.brand-watermark-hero:before{right:-14%;width:72vw;opacity:.19}
}


/* =========================================================
   FAQ V3 — fidèle à la maquette fournie
   ========================================================= */
.faq-v3{background:#fff;color:#071a2f}
.faq-v3 .container{width:min(calc(100% - 48px),1180px)}
.faq-v3 .header{position:relative;top:auto;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.16)}
.faq-v3 .header .brand-logo-header{filter:none}
.faq-v3 .navlinks a{color:#fff}
.faq-v3 .navlinks a.active,.faq-v3 .navlinks a:hover{color:var(--gold2)}
.faq-v3 .menu{color:#fff;border-color:rgba(255,255,255,.25);background:transparent}

.faq-hero-v3{
  position:relative;
  isolation:isolate;
  min-height:295px;
  display:flex;
  align-items:center;
  overflow:hidden;
  color:#fff;
  background:
    radial-gradient(circle at 78% 50%,rgba(201,155,73,.17),transparent 29%),
    linear-gradient(100deg,var(--navy) 0%,#092744 62%,var(--navy) 100%);
}
.faq-hero-v3::before{
  content:"";
  position:absolute;
  z-index:-2;
  top:50%;
  right:7%;
  width:min(39vw,510px);
  aspect-ratio:1/1.18;
  transform:translateY(-50%);
  background:url("../images/furrer-shield-watermark-hd.webp") center/contain no-repeat;
  opacity:.30;
  filter:drop-shadow(0 18px 35px rgba(0,0,0,.38));
}
.faq-hero-v3::after{
  content:"";
  position:absolute;
  z-index:-1;
  inset:0;
  background:linear-gradient(90deg,rgba(10,24,50,.98) 0%,rgba(10,24,50,.88) 48%,rgba(10,24,50,.18) 100%);
}
.faq-hero-content{padding:38px 0}
.faq-hero-kicker{
  display:block;
  color:#fff;
  font-family:'IBM Plex Serif',serif;
  font-size:clamp(4rem,8vw,7rem);
  font-weight:800;
  line-height:.9;
}
.faq-hero-v3 h1{
  margin-top:12px;
  color:var(--gold2);
  font-family:'IBM Plex Serif',serif;
  font-size:clamp(1.5rem,2.6vw,2.35rem);
  text-transform:uppercase;
}
.faq-hero-line{width:90px;height:3px;margin:17px 0 22px;background:var(--gold)}
.faq-hero-v3 p{max-width:650px;color:#fff;font-size:.95rem;line-height:1.65}

.faq-main-v3{padding:28px 0 34px;background:#fff}
.faq-layout-v3{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:32px;align-items:start}
.faq-left h2{
  color:#0a1d3a;
  font-family:'IBM Plex Serif',serif;
  font-size:clamp(2rem,3.2vw,3.2rem);
  text-transform:uppercase;
}
.gold-line{width:100px;height:2px;margin:10px 0 26px;background:var(--gold)}
.gold-line.short{width:68px;margin:11px 0 21px}

.faq-accordion-v3{display:grid;gap:10px}
.faq-item{
  overflow:hidden;
  border:1px solid #e1e6eb;
  border-radius:8px;
  background:#fff;
  box-shadow:0 4px 14px rgba(10,24,50,.06);
}
.faq-question{
  width:100%;
  min-height:52px;
  display:grid;
  grid-template-columns:38px 1fr 24px;
  align-items:center;
  gap:10px;
  padding:8px 14px;
  border:0;
  background:#fff;
  color:#0a1d3a;
  text-align:left;
  font-weight:800;
  cursor:pointer;
}
.faq-number{
  display:grid;
  place-items:center;
  width:32px;
  height:32px;
  border-radius:50%;
  background:linear-gradient(135deg,#d8a64f,#b77c28);
  color:#fff;
}
.faq-question-text{font-size:.88rem}
.faq-chevron{
  color:#0a1d3a;
  font-size:1.25rem;
  transition:transform .25s ease,color .25s ease;
}
.faq-item.open .faq-chevron{transform:rotate(180deg);color:var(--gold)}
.faq-answer{
  display:grid;
  grid-template-rows:0fr;
  transition:grid-template-rows .28s ease;
}
.faq-item.open .faq-answer{grid-template-rows:1fr}
.faq-answer-inner{
  overflow:hidden;
  padding:0 24px 0 62px;
  color:#29384d;
  font-size:.84rem;
  line-height:1.65;
}
.faq-item.open .faq-answer-inner{padding-bottom:18px}
.faq-answer-inner ul{margin:10px 0 10px 19px}
.faq-answer-inner li{margin:4px 0}
.faq-answer-inner a{color:#9d6b22;font-weight:700}

.faq-sidebar-v3{display:grid;gap:16px}
.faq-help-card,.faq-priority-card{
  padding:28px;
  border-radius:10px;
  background:linear-gradient(145deg,#f8f9fb,#f0f2f5);
  box-shadow:0 8px 24px rgba(10,24,50,.07);
}
.faq-help-card h3,.faq-priority-card h3{
  color:#0a1d3a;
  font-family:'IBM Plex Serif',serif;
  font-size:1.85rem;
  text-transform:uppercase;
}
.faq-help-card p,.faq-priority-card p{color:#23354e;font-size:.9rem;line-height:1.55}
.faq-contact-list{display:grid;gap:14px;margin:22px 0}
.faq-contact-list a,.faq-contact-list>span{display:flex;align-items:center;gap:12px;color:#0a1d3a;font-size:1rem}
.faq-contact-list a span,.faq-contact-list>span b{
  display:grid;
  place-items:center;
  width:32px;
  height:32px;
  flex:0 0 32px;
  border-radius:50%;
  background:linear-gradient(135deg,#e0b462,#c28a31);
  color:#fff;
}
.faq-contact-btn{width:100%;margin-top:5px}
.faq-priority-card{position:relative;padding-left:85px}
.priority-icon{position:absolute;left:25px;top:28px;color:var(--gold);font-size:2.4rem}
.faq-priority-card h3{font-family:'IBM Plex Sans',Arial,sans-serif;font-size:1.15rem}

.faq-benefits-v3{padding:26px 0;background:linear-gradient(90deg,var(--navy),#0a3155);color:#fff}
.faq-benefits-grid{display:grid;grid-template-columns:repeat(3,1fr)}
.faq-benefits-grid>div{
  display:grid;
  grid-template-columns:54px 1fr;
  align-items:center;
  gap:12px;
  min-height:78px;
  padding:8px 32px;
  border-right:1px solid rgba(255,255,255,.22);
}
.faq-benefits-grid>div:last-child{border-right:0}
.faq-benefits-grid span{grid-row:1/3;color:var(--gold2);font-size:2.6rem}
.faq-benefits-grid strong{text-transform:uppercase;font-size:.84rem}
.faq-benefits-grid small{color:#dce6ef;font-size:.72rem}

.faq-footer-v3{padding-top:26px}
.faq-footer-v3 .footer-grid{grid-template-columns:1.2fr 1.2fr .9fr .9fr}
.faq-footer-v3 .brand-logo-footer{height:88px}
.faq-footer-v3 h4{color:var(--gold2);text-transform:uppercase}

@media(max-width:900px){
  .faq-layout-v3{grid-template-columns:1fr}
  .faq-sidebar-v3{grid-template-columns:1fr 1fr}
  .faq-benefits-grid{grid-template-columns:1fr}
  .faq-benefits-grid>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.2)}
  .faq-benefits-grid>div:last-child{border-bottom:0}
  .faq-footer-v3 .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .faq-v3 .container{width:min(calc(100% - 24px),1180px)}
  .faq-hero-v3{min-height:330px}.faq-hero-v3::before{right:-14%;width:72vw;opacity:.19}
  .faq-hero-v3 p{font-size:.86rem}
  .faq-sidebar-v3{grid-template-columns:1fr}
  .faq-question{grid-template-columns:34px 1fr 20px;padding:8px 10px}
  .faq-question-text{font-size:.78rem}
  .faq-answer-inner{padding-left:54px;font-size:.78rem}
  .faq-help-card,.faq-priority-card{padding:22px}
  .faq-priority-card{padding-left:72px}
  .priority-icon{left:20px;top:22px}
  .faq-footer-v3 .footer-grid{grid-template-columns:1fr}
}

/* =========================================================
   CORRECTIFS RESPONSIVE
   ========================================================= */
html,body{overflow-x:clip}
img{height:auto}

/* Menu mobile unifié dès 920px : évite le débordement des liens
   entre 820 et 920px et donne un vrai menu déroulant à l'accueil */
@media(max-width:920px){
  .menu{display:block;flex:0 0 auto}
  .navlinks{
    display:none;
    position:absolute;
    top:100%;
    left:14px;
    right:14px;
    z-index:600;
    background:#fff;
    box-shadow:var(--shadow);
    border:1px solid var(--line);
    border-radius:12px;
    padding:12px;
    flex-direction:column;
    align-items:stretch;
    gap:2px;
  }
  .navlinks.open{display:flex}
  .navlinks a{display:block;padding:11px 12px;color:var(--navy)!important;border-radius:8px}
  .navlinks a:hover,.navlinks a.active{background:#f2f5f7;color:var(--red)!important}
  .navlinks a:after{display:none}
  .home-simulator{margin:0 auto}
  .home-header .navlinks{display:none;gap:2px}
  .home-header .navlinks.open{display:flex}
}

/* Le bouton « Demande en ligne » reste visible sur mobile, en version compacte */
@media(max-width:920px){
  .nav-actions{gap:8px}
  .nav-actions .btn,
  .home-nav-actions .btn{
    display:inline-flex;
    min-height:38px;
    padding:0 12px;
    font-size:.7rem;
    white-space:nowrap;
  }
}

/* Tablette / petit écran */
@media(max-width:640px){
  .form-grid{grid-template-columns:1fr}
  .field.full{grid-column:auto}
  .page-hero{padding:64px 0}
  .page-hero h1{font-size:clamp(2.1rem,8vw,2.9rem)}
  h2{font-size:clamp(1.7rem,7vw,2.4rem)}
  .contact-card h2[style]{font-size:clamp(1.6rem,7vw,2.1rem)!important}
  .grid3{grid-template-columns:1fr}
  .split{gap:30px}
  .section{padding:56px 0}
  .section-head{margin-bottom:28px}
  .contact-card{padding:22px 18px}
  .card{padding:22px 18px}
  .step{padding:22px 18px}
  .cta{padding:28px 20px;flex-direction:column;align-items:flex-start}
  .cta .btn{width:100%}
  .topbar-links{flex-wrap:wrap;row-gap:4px}
  .home-feature-row{gap:12px}
  .home-feature-text{font-size:.78rem}
  .footer{padding:46px 0 16px}
  .footer-grid{gap:26px}
}

/* Mobile étroit (≤480px) */
@media(max-width:480px){
  .brand{min-width:0}
  .brand-logo-header{height:42px;max-width:150px}
  .nav{height:68px;gap:10px}
  .home-header .nav{height:72px}
  .home-header .brand-logo-header{height:44px;max-width:160px}
  .menu{width:40px;height:40px}
  .nav-actions .btn,
  .home-nav-actions .btn{min-height:34px;padding:0 10px;font-size:.62rem}
  .hero-buttons{flex-direction:column}
  .hero-buttons .btn{width:100%}
  .sim-body{padding:16px 14px}
  .sim-results{grid-template-columns:1fr}
  .home-services{grid-template-columns:1fr}
  .home-service-card{min-height:0}
  .home-hero-copy h1{font-size:2.1rem}
  .home-hero-copy h2{font-size:1.25rem}
  .home-hero-copy p{font-size:.88rem}
  .home-hero-grid{padding:30px 0}
  .faq-hero-kicker{font-size:3.2rem}
  .faq-hero-v3{min-height:0}
  .faq-hero-content{padding:30px 0}
  .home-stats-grid strong{font-size:1.2rem}
  .home-cta{padding:14px 16px}
  .faq-help-card,.faq-priority-card{padding:18px}
  .faq-priority-card{padding-left:62px}
  .priority-icon{left:16px;top:18px}
  .faq-benefits-grid>div{padding:8px 12px}
  .solution-detail{grid-template-columns:54px 1fr;gap:14px}
  .solution-detail .icon{width:48px;height:48px}
  .field input,.field select,.field textarea{padding:12px}
  .footer-bottom{flex-direction:column;gap:8px}
}