/* ============================================================
   ACJ Services Financiers — Feuille de style partagée v0.3
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:       #0d1b2a;
  --navy-mid:   #1a2e42;
  --gold:       #c49a3c;
  --gold-light: #d4aa4a;
  --cream:      #f7f5f0;
  --cream-dark: #ede9e0;
  --text:       #1a1a1a;
  --text-mid:   #4a4a4a;
  --text-light: #7a7a7a;
  --white:      #ffffff;
  --border:     rgba(0,0,0,0.09);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  font-weight: 400;        /* was 300 — plus lisible */
  font-size: 18px;         /* base augmentée */
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

/* ── NAVIGATION ── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 48px; height: 80px;
}
 .nav-logo img {
  height: 52px; width: auto;
 }

.nav-links {
  display: flex; align-items: center; gap: 40px;
  list-style: none;
}
.nav-links > li > a {
  font-size: 16px; font-weight: 400; letter-spacing: 1px;
  color: var(--text-mid); text-decoration: none;
  text-transform: uppercase; transition: color 0.2s;
  display: block; padding: 30px 0;
}
.nav-links > li > a:hover { color: var(--navy); }

/* ── DROPDOWN — sans gap ── */
.nav-dropdown { position: relative; }
.nav-dropdown > a::after {
  content: " ▾"; font-size: 18px; color: var(--text-light);
}
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%; transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 2px solid var(--gold);
  box-shadow: 0 16px 48px rgba(0,0,0,0.1);
  min-width: 260px;
  padding: 8px 0;
  margin-top: 0;
}
.dropdown-menu::before {
  content: '';
  position: absolute;
  top: -10px; left: 0; right: 0;
  height: 10px; background: transparent;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block; padding: 13px 26px;
  font-size: 15px; font-weight: 400;
  text-transform: none; letter-spacing: 0;
  color: var(--text-mid); text-decoration: none;
  white-space: nowrap; transition: background 0.15s, color 0.15s;
}
.dropdown-menu a:hover { background: var(--cream); color: var(--navy); }
.dropdown-menu .sep { height: 1px; background: var(--border); margin: 4px 0; }

.nav-cta {
  font-size: 14px !important; font-weight: 500 !important;
  letter-spacing: 1.5px !important; text-transform: uppercase !important;
  color: var(--white) !important; background: var(--navy) !important;
  padding: 12px 26px !important; border-radius: 2px;
  transition: background 0.2s !important;
  border-radius: 15px !important;
}
.nav-cta:hover { background: var(--gold) !important; }

/* ── BOUTONS ── */
.btn-primary {
  display: inline-block; padding: 16px 36px;
  background: var(--gold); color: var(--white);
  font-size: 15px; font-weight: 500; letter-spacing: 2px;
  text-transform: uppercase; text-decoration: none;
  border-radius: 15px; transition: background 0.2s;
}
.btn-primary:hover { background: var(--gold-light); }
.btn-ghost {
  display: inline-block; padding: 16px 36px;
  background: transparent; color: rgba(255,255,255,0.7);
  font-size: 15px; font-weight: 400; letter-spacing: 2px;
  text-transform: uppercase; text-decoration: none;
  border: 1px solid rgba(255,255,255,0.2); border-radius: 15px;
  transition: all 0.2s;
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-navy {
  display: inline-block; padding: 16px 36px;
  background: var(--navy); color: var(--white);
  font-size: 18px; font-weight: 500; letter-spacing: 2px;
  text-transform: uppercase; text-decoration: none;
  border-radius: 15px; transition: background 0.2s;
}
.btn-navy:hover { background: var(--gold); }

/* ── SECTIONS COMMUNES ── */
.section { padding: 120px 48px; }
.section-inner { max-width: 1280px; margin: 0 auto; }

.section-eyebrow {
  font-size: 16px; letter-spacing: 4px; text-transform: uppercase;
  color: var(--gold); font-weight: 500; margin-bottom: 16px;
}
.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 52px; font-weight: 300; line-height: 1.15;
  color: var(--navy); margin-bottom: 22px; letter-spacing: -0.5px;
}
.section-title em { font-style: italic; }
.section-lead {
  font-size: 18px; color: var(--text-mid); line-height: 1.85;
  max-width: 600px; margin-bottom: 64px; font-weight: 400;
}
.section-divider {
  width: 102px; height: 2px; background: var(--gold);
  margin-bottom: 22px;
}
.service-link {
  font-size: 14px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); font-weight: 500; text-decoration: none;
  transition: opacity 0.2s;
}
.service-link:hover { opacity: 0.7; }

/* ── HERO ── */
.hero {
  padding: 168px 48px 120px;
  background: var(--navy);
  position: relative; overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; top: 0; right: 0;
  width: 50%; height: 100%;
  background: linear-gradient(135deg, transparent 40%, rgba(196,154,60,0.06) 100%);
}
.hero::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 1px; background: var(--gold); opacity: 0.3;
}
.hero-inner {
  max-width: 1280px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.hero-eyebrow {
  font-size: 16px; font-weight: 500; letter-spacing: 4px;
  color: var(--gold); text-transform: uppercase; margin-bottom: 22px;
}
.hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 68px; font-weight: 300; line-height: 1.1;
  color: var(--white); margin-bottom: 28px; letter-spacing: -1px;
}
.hero h1 em { font-style: italic; color: var(--gold); }
.hero-sub {
  font-size: 18px; color: rgba(255,255,255,0.62); line-height: 1.85;
  max-width: 480px; margin-bottom: 48px; font-weight: 400;
}
.hero-actions { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.hero-certif {
  display: flex; align-items: center; gap: 14px; margin-top: 40px;
  padding-top: 36px; border-top: 1px solid rgba(255,255,255,0.1);
  flex-wrap: wrap;
}
.certif-badge {
  font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase;
  color: rgba(255,255,255,0.42); font-weight: 400;
}
.certif-dot { width: 4px; height: 4px; border-radius: 50%; background: var(--gold); opacity: 0.5; }
.hero-visual { display: flex; align-items: center; justify-content: center; }
.hero-photo-frame {
  width: 100%; max-width: 400px; aspect-ratio: 3/4;
  background: var(--navy-mid); border: 1px solid rgba(196,154,60,0.2);
  position: relative; overflow: hidden;
}
.hero-photo-frame img { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero-photo-placeholder {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  height: 100%; gap: 16px;
}
.hero-photo-placeholder span {
  font-size: 12px; letter-spacing: 2px; text-transform: uppercase;
  color: rgba(255,255,255,0.2); font-weight: 400;
}

/* ── TRUST BAR — fond blanc, texte foncé ── */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  border-top: 1px solid var(--border);
  padding: 22px 48px;
}
.trust-bar-inner {
  max-width: 1280px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  gap: 44px; flex-wrap: wrap;
}
.trust-item {
  font-size: 13px; letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--text-mid); font-weight: 600;
}
.trust-sep { color: var(--gold); opacity: 0.5; font-size: 14px; }

/* ── SERVICES GRID ── */
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px;
  background: var(--border); border: 1px solid var(--border);
}
.service-card {
  background: var(--white); display: block; text-decoration: none;
  color: inherit; transition: background 0.2s; overflow: hidden;
}
.service-card:hover { background: var(--cream); }
.service-card-image {
  width: 100%; height: 210px; overflow: hidden; background: var(--cream-dark);
}
.service-card-image img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform 0.4s ease;
}
.service-card:hover .service-card-image img { transform: scale(1.04); }
.service-card-image-placeholder {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy));
  display: flex; align-items: center; justify-content: center;
}
.service-card-image-placeholder span {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px; font-weight: 300; color: rgba(196,154,60,0.22);
  letter-spacing: -1px;
}
.service-card-body { padding: 30px 30px 36px; }
.service-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 13px; color: var(--gold); margin-bottom: 10px; letter-spacing: 1px;
}
.service-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px; font-weight: 400; color: var(--navy);
  margin-bottom: 14px; line-height: 1.3;
}
.service-text {
  font-size: 16px; color: var(--text-mid); line-height: 1.8; margin-bottom: 22px;
  font-weight: 400;
}

/* ── ABOUT — fond blanc ── */
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start;
}
.about-photo {
  aspect-ratio: 4/5; background: var(--navy-mid);
  border: 1px solid var(--border); position: relative; overflow: hidden;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.about-photo-placeholder {
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  height: 100%; gap: 14px;
}
.about-photo-placeholder span {
  font-size: 12px; letter-spacing: 2px; text-transform: uppercase;
  color: rgba(255,255,255,0.25);
}
.about-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 46px; font-weight: 300; color: var(--navy);
  line-height: 1.15; margin-bottom: 10px;
}
.about-role {
  font-size: 16px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 30px; font-weight: 400;
}
.about-text {
  font-size: 17px; color: var(--text-mid); line-height: 1.9;
  margin-bottom: 18px; font-weight: 400;
}
.about-pillars { margin-top: 40px; display: flex; flex-direction: column; gap: 28px; }
.about-pillar { display: flex; gap: 22px; align-items: flex-start; }
.pillar-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 38px; font-weight: 300; color: var(--gold);
  opacity: 0.3; line-height: 1; flex-shrink: 0; width: 34px;
}
.pillar-label {
  font-size: 15px; font-weight: 500; color: var(--navy);
  margin-bottom: 6px; letter-spacing: 0.3px;
}
.pillar-text { font-size: 15px; color: var(--text-mid); line-height: 1.8; font-weight: 400; }

/* ── PROCESS ── */
.process-steps {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 1px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.08);
}
.process-step { background: var(--navy); padding: 44px 30px; position: relative; }
.step-bar { position: absolute; top: 0; left: 0; right: 0; height: 2px; background: transparent; }
.process-step:first-child .step-bar { background: var(--gold); }
.step-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px; font-weight: 300; color: rgba(196, 153, 60, 0.753);
  line-height: 1; margin-bottom: 18px;
}
.step-title {
  font-size: 17px; font-weight: 500; color: var(--white);
  margin-bottom: 15px; letter-spacing: 0.3px;
}
.step-text { font-size: 14px; color: rgba(255,255,255,0.48); line-height: 1.8; font-weight: 400; }

/* ── CALCULATEURS ── */
.calc-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px;
  background: var(--border); border: 1px solid var(--border);
}
.calc-card {
  background: var(--white); padding: 36px 32px;
  text-decoration: none; color: inherit; display: block;
  transition: background 0.2s;
}
.calc-card:hover { background: var(--navy); }
.calc-card:hover .calc-title { color: var(--white); }
.calc-card:hover .calc-text { color: rgba(255,255,255,0.5); }
.calc-card:hover .calc-action { color: var(--gold); }
.calc-tag {
  font-size: 11px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 14px; font-weight: 500;
}
.calc-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px; font-weight: 400; color: var(--navy);
  margin-bottom: 14px; line-height: 1.3; transition: color 0.2s;
}
.calc-text {
  font-size: 15px; color: var(--text-mid); line-height: 1.8;
  margin-bottom: 24px; transition: color 0.2s; font-weight: 400;
}
.calc-action {
  font-size: 15px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--text-light); font-weight: 500; transition: color 0.2s;
}

/* ── ARTICLES — avec images comme services ── */
.articles-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px;
  background: var(--border); border: 1px solid var(--border);
}
.article-card {
  text-decoration: none; color: inherit; display: block;
  background: var(--white); overflow: hidden; transition: background 0.2s;
}
.article-card:hover { background: var(--cream); }
.article-card-image {
  width: 100%; height: 200px; overflow: hidden; background: var(--cream-dark);
}
.article-card-image img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform 0.4s ease;
}
.article-card:hover .article-card-image img { transform: scale(1.04); }
.article-card-image-placeholder {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy));
  display: flex; align-items: center; justify-content: center;
}
.article-card-image-placeholder span {
  font-family: 'Cormorant Garamond', serif;
  font-size: 13px; letter-spacing: 3px; text-transform: uppercase;
  color: rgba(196,154,60,0.4); font-weight: 400;
}
.article-card-body { padding: 28px 30px 34px; }
.article-tag {
  font-size: 11px; letter-spacing: 2px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 12px; font-weight: 500;
}
.article-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px; font-weight: 400; color: var(--navy);
  line-height: 1.3; margin-bottom: 12px; transition: color 0.2s;
}
.article-card:hover .article-title { color: var(--gold); }
.article-meta { font-size: 13px; color: var(--text-light); margin-bottom: 14px; font-weight: 400; }
.article-text { font-size: 15px; color: var(--text-mid); line-height: 1.8; font-weight: 400; }

/* ── CTA ── */
.cta-section {
  background: var(--navy); padding: 120px 48px;
  text-align: center; position: relative;
}
.cta-section::before {
  content: '';
  position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: 1px; height: 64px; background: var(--gold); opacity: 0.3;
}
.cta-inner { max-width: 660px; margin: 0 auto; }
.cta-eyebrow {
  font-size: 16px; letter-spacing: 4px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 22px; font-weight: 500;
}
.cta-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 56px; font-weight: 300; color: var(--white);
  line-height: 1.15; margin-bottom: 22px;
}
.cta-title em { font-style: italic; color: var(--gold); }
.cta-text {
  font-size: 18px; color: rgba(255,255,255,0.52); line-height: 1.85;
  margin-bottom: 48px; font-weight: 400;
}
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-phone { font-size: 15px; color: rgba(255,255,255,0.42); margin-top: 30px; }
.cta-phone a { color: rgba(255,255,255,0.52); text-decoration: none; }
.cta-phone a:hover { color: var(--gold); }
.cta-hours { font-size: 15px; color: rgba(255,255,255,0.52); margin-top: 8px; }

/* ── FOOTER ── */
footer { background: #080f17; padding: 72px 48px 36px; border-top: 1px solid rgba(255,255,255,0.05); }
.footer-inner {
  max-width: 1280px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 56px;
  margin-bottom: 56px;
}
.footer-logo img {
  height: 52px;
  width: auto;
  display: block;
  margin-bottom: 16px;
  opacity: 0.9;
}
.footer-tagline {
  font-size: 16px; color: rgba(255,255,255,0.52);
  line-height: 1.8; max-width: 280px; margin-bottom: 22px; font-weight: 400;
}
.footer-amf { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); opacity: 0.6; }
.footer-col-title {
  font-size: 13px; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 20px; font-weight: 400;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-links a {
  font-size: 15px; color: rgba(255,255,255,0.42); text-decoration: none; transition: color 0.2s;
}
.footer-links a:hover { color: rgba(255,255,255,0.85); }
.footer-bottom {
  max-width: 1280px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 30px; border-top: 1px solid rgba(255,255,255,0.06);
  flex-wrap: wrap; gap: 12px;
}
.footer-copy { font-size: 13px; color: rgba(255,255,255,0.22); }
.footer-vsysteme { font-size: 13px; color: rgba(255,255,255,0.22); }
.footer-vsysteme a { color: rgba(255,255,255,0.32); text-decoration: none; }
.footer-vsysteme a:hover { color: var(--gold); }

/* ── PAGE INTÉRIEURE ── */
.page-header {
  background: var(--navy); padding: 148px 48px 88px;
  position: relative;
}
.page-header::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 1px; background: var(--gold); opacity: 0.2;
}
.page-header-inner { max-width: 1280px; margin: 0 auto; }
.page-header h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 68px; font-weight: 300; color: var(--white);
  line-height: 1.12; margin-bottom: 18px;
}
.page-header h1 em { font-style: italic; color: var(--gold); }
.page-header p {
  font-size: 18px; color: rgba(255,255,255,0.52); max-width: 580px;
  line-height: 1.85; font-weight: 400;
}
.breadcrumb {
  font-size: 12px; letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 22px; font-weight: 400;
}
.breadcrumb a { color: rgba(255,255,255,0.3); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 60px; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .about-photo { display: none; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  body { font-size: 17px; }
  .hero { padding: 128px 24px 88px; }
  .hero h1 { font-size: 46px; }
  .section { padding: 80px 24px; }
  .services-grid { grid-template-columns: 1fr; }
  .articles-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .nav-inner { padding: 0 24px; }
  .nav-links { display: none; }
  .trust-bar-inner { gap: 20px; }
  .footer-inner { grid-template-columns: 1fr; }
  .section-title { font-size: 40px; }
  .cta-title { font-size: 42px; }
}
@media (max-width: 480px) {
  .calc-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 38px; }
}