/* =============================================================================
   3A FINANCEMENT — PAGES INTÉRIEURES
   =============================================================================
   Stack de base : tokens → base → layout → components → consent → interior.css
   Couvre : financement-professionnel, financement-patrimonial, credit-bail,
            approche, simulateur-hcsf, contact.
   ============================================================================= */

:root {
  --c-brand-ink: #001235;
}

/* --- Helpers typographiques --- */
.int-main h1 em,
.int-main h2 em  { color: var(--c-brand); font-style: normal; }
.int-main h1 em.gold,
.int-main h2 em.gold { color: var(--c-gold); }

/* --- Eyebrow --- */
.int-main .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  background: transparent;
  padding: 0;
  color: var(--c-brand);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  margin-bottom: 1.2rem;
}
.int-main .eyebrow::before {
  content: '';
  width: 28px; height: 1px;
  background: var(--c-gold);
  flex-shrink: 0;
}
.int-main .eyebrow.gold  { color: var(--c-gold); }
.int-main .eyebrow.light { color: rgba(245,237,217,.85); }
.int-main .eyebrow.light::before { background: rgba(245,237,217,.6); }

/* --- Sections --- */
.int-main section { padding: clamp(64px, 9vw, 120px) 0; }

.int-main .section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 3.5rem;
}
.int-main .section-header h2 { margin: 0 0 1rem; }
.int-main .section-header p  {
  margin: 0 auto;
  max-width: 56ch;
  color: var(--c-ink-soft);
  line-height: 1.65;
}

/* =============================================================================
   HERO INTÉRIEUR
   ============================================================================= */
.int-main .int-hero {
  background: linear-gradient(160deg, var(--c-white) 0%, var(--c-paper) 100%);
  padding: clamp(120px, 16vw, 180px) 0 clamp(64px, 8vw, 100px);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--c-line-soft);
}
.int-hero::before {
  content: '';
  position: absolute; top: -20%; right: -10%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(0,71,187,.05) 0%, transparent 65%);
  border-radius: 50%; pointer-events: none;
}
.int-hero::after {
  content: '';
  position: absolute; bottom: -30%; left: -5%;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(184,147,90,.07) 0%, transparent 70%);
  border-radius: 50%; pointer-events: none;
}
.int-hero .container { position: relative; z-index: 2; max-width: 860px; }

.int-hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(var(--fs-3xl), 5vw, var(--fs-5xl));
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--c-ink);
  margin: 0 0 1.3rem;
}
.int-hero .lead {
  font-size: var(--fs-lg);
  line-height: 1.65;
  color: var(--c-ink-soft);
  max-width: 60ch;
  margin: 0 0 2rem;
}
.int-hero .hero-ctas { display: flex; gap: 1rem; flex-wrap: wrap; }

/* =============================================================================
   EXPERTISE CARDS
   ============================================================================= */
.expertise-section { background: var(--c-paper); }

.expertise-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.expertise-card {
  background: var(--c-white);
  border: 1px solid var(--c-line-soft);
  border-top: 3px solid var(--c-brand);
  border-radius: var(--r-sm);
  padding: 2rem 1.75rem;
  transition: transform var(--t-normal), box-shadow var(--t-normal);
}
.expertise-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.expertise-card.gold-accent { border-top-color: var(--c-gold); }

.expertise-card-icon {
  width: 40px; height: 40px;
  color: var(--c-brand);
  margin-bottom: 1.2rem;
  display: block;
}
.expertise-card.gold-accent .expertise-card-icon { color: var(--c-gold); }

.expertise-card h3 {
  font-size: var(--fs-md);
  font-weight: 600;
  color: var(--c-ink);
  margin: 0 0 0.55rem;
  line-height: 1.3;
}
.expertise-card p {
  font-size: var(--fs-sm);
  color: var(--c-ink-soft);
  line-height: 1.65;
  margin: 0;
}

/* =============================================================================
   PROCESS / FLOW INFOGRAPHIC
   ============================================================================= */
.process-section {
  background: var(--c-brand-ink);
  color: var(--c-white);
}
.process-section .eyebrow { color: var(--c-gold-light); }
.process-section .eyebrow::before { background: var(--c-gold); }
.process-section .section-header h2 { color: var(--c-white); }
.process-section h2 em { color: var(--c-gold-light) !important; }
.process-section .section-header p { color: rgba(255,255,255,.65); }

.process-flow {
  display: flex;
  align-items: stretch;
  gap: 0;
  margin: 3rem 0 1.5rem;
}
.process-step {
  flex: 1;
  text-align: center;
  padding: 2rem 0.75rem;
  position: relative;
}
.process-step:not(:last-child)::after {
  content: '→';
  position: absolute;
  right: -0.55rem; top: 50%;
  transform: translateY(-50%);
  color: var(--c-gold);
  font-size: 1.3rem;
  z-index: 2;
}
.process-step-icon {
  width: 48px; height: 48px;
  margin: 0 auto 0.8rem;
  background: rgba(255,255,255,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.process-step-icon svg {
  width: 22px; height: 22px;
  stroke: var(--c-gold-light);
  stroke-width: 1.5; fill: none;
  stroke-linecap: round; stroke-linejoin: round;
}
.process-step-label {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--c-white);
  line-height: 1.35;
}
.process-note {
  text-align: center;
  font-size: var(--fs-xs);
  color: rgba(255,255,255,.4);
  font-style: italic;
  margin-top: 0.5rem;
}

/* =============================================================================
   DIFFÉRENCIATION 3 COLONNES
   ============================================================================= */
.diff-section { background: var(--c-cream); }

.diff-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.diff-card {
  background: var(--c-white);
  border: 1px solid var(--c-line-soft);
  border-radius: var(--r-sm);
  padding: 2.25rem 2rem;
}
.diff-icon {
  width: 48px; height: 48px;
  background: var(--c-brand-soft);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.4rem;
}
.diff-icon svg {
  width: 22px; height: 22px;
  stroke: var(--c-brand); stroke-width: 1.5; fill: none;
  stroke-linecap: round; stroke-linejoin: round;
}
.diff-card.gold-diff .diff-icon { background: var(--c-gold-soft); }
.diff-card.gold-diff .diff-icon svg { stroke: var(--c-gold); }

.diff-title {
  font-size: var(--fs-lg);
  font-weight: 600;
  color: var(--c-ink);
  margin: 0 0 0.65rem;
}
.diff-body {
  font-size: var(--fs-sm);
  color: var(--c-ink-soft);
  line-height: 1.7;
  margin: 0;
}

/* =============================================================================
   TIMELINE (approche.php)
   ============================================================================= */
.timeline-section { background: var(--c-white); }

.timeline {
  max-width: 800px;
  margin: 3rem auto 0;
}
.timeline-item {
  display: grid;
  grid-template-columns: 68px 1fr;
  gap: 2rem;
  padding-bottom: 3.5rem;
  position: relative;
}
.timeline-item:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 33px; top: 58px; bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--c-brand) 0%, var(--c-line-soft) 100%);
}
.timeline-num {
  width: 56px; height: 56px;
  background: var(--c-brand);
  color: var(--c-white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif);
  font-size: var(--fs-md);
  font-weight: 600;
  flex-shrink: 0;
  position: relative; z-index: 2;
}
.timeline-item:last-child .timeline-num { background: var(--c-ink-muted); }

.timeline-tag {
  display: inline-block;
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--c-brand);
  margin-bottom: 0.3rem;
}
.timeline-item:last-child .timeline-tag { color: var(--c-ink-muted); }

.timeline-content h3 {
  font-size: var(--fs-lg);
  font-weight: 600;
  color: var(--c-ink);
  margin: 0 0 0.65rem;
}
.timeline-content p {
  font-size: var(--fs-base);
  color: var(--c-ink-soft);
  line-height: 1.7;
  margin: 0;
}

/* Valeurs fondatrices (3-col dans approche) */
.values-section { background: var(--c-cream); }

/* =============================================================================
   FAQ
   ============================================================================= */
.int-faq { background: var(--c-paper); }

.int-faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--c-line-soft);
  border: 1px solid var(--c-line-soft);
  border-radius: var(--r-sm);
  overflow: hidden;
  margin-top: 3rem;
}
.int-faq-grid details { background: var(--c-white); }
.int-faq-grid details summary {
  padding: 1.4rem 1.6rem;
  font-size: var(--fs-base);
  font-weight: 600;
  color: var(--c-ink);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  line-height: 1.4;
  transition: background var(--t-fast);
}
.int-faq-grid details summary::-webkit-details-marker { display: none; }
.int-faq-grid details summary:hover { background: var(--c-paper); }
.int-faq-grid details summary::after {
  content: '+';
  flex-shrink: 0;
  font-size: 1.3rem;
  font-weight: 300;
  color: var(--c-gold);
  line-height: 1;
  transition: transform var(--t-fast);
}
.int-faq-grid details[open] summary::after { transform: rotate(45deg); }
.int-faq-grid details p {
  padding: 0 1.6rem 1.5rem;
  font-size: var(--fs-sm);
  color: var(--c-ink-soft);
  line-height: 1.75;
  margin: 0;
}

/* =============================================================================
   CTA FINAL
   ============================================================================= */
.int-cta {
  background: var(--c-ink);
  color: var(--c-white);
  text-align: center;
}
.int-cta h2 {
  font-family: var(--font-serif);
  font-size: clamp(var(--fs-2xl), 4vw, var(--fs-4xl));
  color: var(--c-white);
  letter-spacing: -0.02em;
  margin: 0.8rem 0 1.4rem;
}
.int-cta h2 em { color: var(--c-gold) !important; font-style: normal; }
.int-cta p {
  max-width: 52ch;
  margin: 0 auto 2.5rem;
  color: rgba(255,255,255,.7);
  font-size: var(--fs-md);
  line-height: 1.6;
}
.int-cta .cta-actions {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.btn-outline-light {
  background: transparent;
  color: rgba(255,255,255,.85);
  border: 1px solid rgba(255,255,255,.3);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,.1);
  color: var(--c-white);
  border-color: rgba(255,255,255,.5);
}

/* =============================================================================
   SCROLL FADE-IN
   ============================================================================= */
.fade-in {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-in.is-visible { opacity: 1; transform: translateY(0); }

/* =============================================================================
   SIMULATEUR HCSF
   ============================================================================= */
.hcsf-section { background: var(--c-white); }

.hcsf-wrap { max-width: 980px; margin: 0 auto; }

.hcsf-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  margin-top: 3rem;
  align-items: start;
}
.hcsf-panel-title {
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--c-ink-muted);
  margin-bottom: 1.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--c-line-soft);
}
.slider-group { margin-bottom: 1.6rem; }
.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.5rem;
}
.slider-header label {
  font-size: var(--fs-sm);
  font-weight: 500;
  color: var(--c-ink-soft);
}
.slider-val {
  font-size: var(--fs-sm);
  font-weight: 700;
  color: var(--c-brand);
  min-width: 56px;
  text-align: right;
}
input[type="range"] {
  width: 100%;
  accent-color: var(--c-brand);
  cursor: pointer;
  height: 4px;
}
.hcsf-results { position: sticky; top: 100px; }

.kpi-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.kpi {
  background: var(--c-paper);
  border: 1px solid var(--c-line-soft);
  border-radius: var(--r-sm);
  padding: 1rem 1.25rem;
}
.kpi--featured {
  grid-column: span 2;
  background: var(--c-brand-soft);
  border-color: var(--c-brand-line);
}
.kpi-val {
  font-family: var(--font-serif);
  font-size: var(--fs-xl);
  font-weight: 600;
  color: var(--c-brand);
  letter-spacing: -0.01em;
  display: block;
  margin-bottom: 0.2rem;
}
.kpi--featured .kpi-val { font-size: var(--fs-3xl); color: var(--c-ink); }
.kpi-label {
  font-size: var(--fs-xs);
  color: var(--c-ink-muted);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-weight: 500;
}
.endettement-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.5rem;
}
.endettement-label { font-size: var(--fs-sm); color: var(--c-ink-soft); font-weight: 500; }
.endettement-val   { font-size: var(--fs-base); font-weight: 700; color: var(--c-brand); }

.progress-bar {
  height: 10px;
  background: var(--c-line-soft);
  border-radius: var(--r-full);
  overflow: hidden;
  margin-bottom: 1.5rem;
}
.progress-fill {
  height: 100%;
  background: var(--c-brand);
  border-radius: var(--r-full);
  width: 0%;
  transition: width 0.35s ease, background 0.3s ease;
}
.progress-fill.warn   { background: var(--c-gold); }
.progress-fill.danger { background: var(--c-danger); }

.verdict {
  padding: 1.2rem 1.4rem;
  border-radius: var(--r-sm);
  border-left: 3px solid;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  font-size: var(--fs-sm);
  line-height: 1.65;
}
.verdict-ok   { background: var(--c-success-soft); border-color: var(--c-success); color: var(--c-ink-soft); }
.verdict-warn { background: var(--c-warn-soft);    border-color: var(--c-gold);    color: var(--c-ink-soft); }
.verdict-ko   { background: var(--c-danger-soft);  border-color: var(--c-danger);  color: var(--c-ink-soft); }
#verdict-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; font-weight: 700; }
.verdict-ok   #verdict-icon { color: var(--c-success); }
.verdict-warn #verdict-icon { color: var(--c-gold); }
.verdict-ko   #verdict-icon { color: var(--c-danger); }
#verdict-text strong { display: block; margin-bottom: 0.3rem; color: var(--c-ink); }

.hcsf-disclaimer {
  max-width: 660px;
  margin: 3rem auto 0;
  padding: 1.1rem 1.5rem;
  background: var(--c-paper);
  border: 1px solid var(--c-line-soft);
  border-radius: var(--r-sm);
  font-size: var(--fs-xs);
  color: var(--c-ink-muted);
  line-height: 1.65;
  text-align: center;
}

/* =============================================================================
   CONTACT PAGE
   ============================================================================= */
.contact-section { background: var(--c-white); }

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}
.contact-card {
  background: var(--c-paper);
  border: 1px solid var(--c-line-soft);
  border-radius: var(--r-sm);
  padding: 2.25rem 2rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.contact-card--primary {
  background: var(--c-brand-soft);
  border-color: var(--c-brand-line);
}
.contact-icon {
  width: 48px; height: 48px;
  background: var(--c-white);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
}
.contact-card--primary .contact-icon { background: var(--c-brand); }
.contact-icon svg {
  width: 22px; height: 22px;
  stroke: var(--c-brand); stroke-width: 1.5; fill: none;
  stroke-linecap: round; stroke-linejoin: round;
}
.contact-card--primary .contact-icon svg { stroke: var(--c-white); }

.contact-card h3 { font-size: var(--fs-lg); font-weight: 600; color: var(--c-ink); margin: 0; }
.contact-card p  { font-size: var(--fs-sm); color: var(--c-ink-soft); line-height: 1.65; margin: 0; flex-grow: 1; }
.contact-link {
  font-size: var(--fs-md);
  font-weight: 600;
  color: var(--c-brand);
  text-decoration: none;
  display: block;
}
.contact-link:hover { color: var(--c-brand-deep); }

.contact-note {
  max-width: 680px;
  margin: 3rem auto 0;
  padding: 1.5rem 2rem;
  background: var(--c-paper);
  border-left: 3px solid var(--c-gold);
}
.contact-note h4 { font-size: var(--fs-base); font-weight: 600; color: var(--c-ink); margin: 0 0 0.5rem; }
.contact-note p  { font-size: var(--fs-sm); color: var(--c-ink-soft); line-height: 1.7; margin: 0; }

.contact-legal {
  text-align: center;
  font-size: var(--fs-xs);
  color: var(--c-ink-muted);
  line-height: 1.7;
  max-width: 580px;
  margin: 2.5rem auto 0;
  padding-top: 2rem;
  border-top: 1px solid var(--c-line-soft);
}

/* =============================================================================
   RESPONSIVE
   ============================================================================= */
@media (max-width: 1024px) {
  .expertise-grid { grid-template-columns: repeat(2, 1fr); }
  .process-flow { flex-wrap: wrap; gap: 1rem; }
  .process-step:not(:last-child)::after { display: none; }
  .hcsf-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .hcsf-results { position: static; }
}

@media (max-width: 768px) {
  .int-hero h1 { font-size: var(--fs-4xl); }
  .diff-grid   { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .int-faq-grid { grid-template-columns: 1fr; }
  .kpi-grid   { grid-template-columns: 1fr; }
  .kpi--featured { grid-column: span 1; }
  .timeline-item { grid-template-columns: 56px 1fr; gap: 1.2rem; }
  .int-cta h2 { font-size: var(--fs-3xl); }
}

@media (max-width: 480px) {
  .expertise-grid { grid-template-columns: 1fr; }
  .int-hero h1 { font-size: var(--fs-3xl); }
  .process-step { flex: 0 0 45%; }
}