:root{--navy:#123d68;--blue:#2878b5;--sky:#edf7fc;--green:#55a884;--white:#fff;--text:#18354d;--muted:#526b7c;--line:rgba(18,61,104,.12);--shadow:0 24px 70px rgba(18,61,104,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;padding:28px;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:radial-gradient(circle at 15% 10%,rgba(40,120,181,.15),transparent 32%),radial-gradient(circle at 88% 82%,rgba(85,168,132,.14),transparent 30%),linear-gradient(140deg,#f8fcff,#edf5f9 52%,#f7fbf8);font-size:16px;line-height:1.65}a{color:var(--blue);text-underline-offset:4px}a:hover{color:var(--navy)}a:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:5px;border-radius:4px}img{display:block;width:100%;height:auto}.page{max-width:1220px;margin:auto;background:rgba(255,255,255,.95);border:1px solid #fff;border-radius:32px;overflow:hidden;box-shadow:var(--shadow)}.skip{position:absolute;left:20px;top:-100px;background:#fff;padding:12px;z-index:10}.skip:focus{top:12px}.topbar{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:25px 34px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-size:1.2rem;font-weight:900;letter-spacing:-.035em;text-decoration:none;white-space:nowrap}.brand-mark{display:grid;place-items:center;width:46px;height:46px;border-radius:15px;color:#fff;background:linear-gradient(135deg,var(--navy),var(--blue));box-shadow:0 10px 25px #2878b530;font-size:1rem;letter-spacing:0}.nav{display:flex;align-items:center;gap:24px;font-size:.9rem;font-weight:700}.nav>a{text-decoration:none;color:var(--muted)}.nav>a[aria-current=page]{color:var(--navy);text-decoration:underline}.button,.nav>a.button{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--navy);color:#fff;border:1px solid var(--navy);border-radius:12px;padding:13px 20px;font-weight:750;font-size:.9rem;text-decoration:none;line-height:1.4;transition:background .2s}.button:hover{background:var(--blue);color:white}.button.secondary{background:#fff;color:var(--navy);border-color:var(--line)}.eyebrow{display:inline-block;color:var(--blue);background:var(--sky);border-radius:999px;padding:7px 13px;font-weight:750;font-size:.85rem;margin-bottom:20px}.hero{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:32px;padding:58px 52px 48px}.hero h1{font-size:clamp(2.6rem,4.8vw,4.5rem);letter-spacing:-.055em;line-height:1.04;margin:0;color:var(--navy);max-width:710px}.hero h1 span{color:var(--blue)}.lead{font-size:1.15rem;color:var(--muted);line-height:1.75;max-width:660px;margin:24px 0}.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.hero-art{border-radius:26px;overflow:hidden;background:var(--sky);border:1px solid var(--line)}.hero-art img{aspect-ratio:1.12;object-fit:cover}.hero-caption{padding:16px 20px;background:#fff;color:var(--navy);font-size:.875rem;display:flex;justify-content:space-between;gap:15px}.hero-caption span{color:var(--muted)}.notice{margin:0 52px;padding:17px 21px;background:#f3f8fb;border-left:3px solid var(--green);border-radius:0 12px 12px 0;font-size:.9rem;color:var(--muted)}.notice strong{color:var(--navy)}.section{padding:48px 52px}.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin-bottom:26px}.kicker{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:var(--blue);margin:0 0 9px}h2{color:var(--navy);font-size:clamp(1.7rem,3vw,2.5rem);line-height:1.16;letter-spacing:-.035em;margin:0 0 16px}.section-head h2{margin:0}.muted{color:var(--muted)}.section-head p{margin:0;max-width:400px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.article-card{border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#fff;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}.article-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px #123d6810}.card-image img{aspect-ratio:3/2;object-fit:cover}.card-copy{padding:21px;display:flex;flex-direction:column;flex:1}.meta{font-size:.8rem;font-weight:650;color:var(--muted);display:flex;gap:12px;align-items:center}.number{color:var(--blue);font-weight:850}.article-card h3{font-size:1.19rem;line-height:1.3;letter-spacing:-.025em;margin:12px 0;color:var(--navy)}.article-card h3 a{color:inherit;text-decoration:none}.article-card h3 a:hover{text-decoration:underline}.article-card p{font-size:.94rem;color:var(--muted);margin:0 0 20px}.read-link{margin-top:auto;font-weight:750;font-size:.88rem}.band{margin:0 52px 48px;padding:32px;border-radius:22px;background:linear-gradient(120deg,#123d68,#205880);color:#fff;display:flex;justify-content:space-between;align-items:center;gap:28px}.band h2{color:#fff;font-size:1.8rem;margin:0 0 9px}.band p{margin:0;color:#deedf7;max-width:550px}.band .button{background:#fff;color:var(--navy);border:0;flex-shrink:0}.breadcrumb{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px;font-size:.85rem;color:var(--muted)}.page-heading{padding:40px 52px 34px}.page-heading h1{font-size:clamp(2.35rem,4.5vw,3.75rem);line-height:1.08;letter-spacing:-.045em;color:var(--navy);margin:0;max-width:900px}.page-heading .lead{margin-bottom:0}.guide-section{padding-top:6px}.article-header{max-width:1000px;margin:auto;text-align:center}.article-header .breadcrumb{justify-content:center}.article-header .meta{justify-content:center;margin-top:23px}.article-cover{margin:0 52px 36px;border-radius:24px;overflow:hidden;background:var(--sky)}.article-cover img{aspect-ratio:2.3;object-fit:cover}.article-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:48px;padding:0 70px 48px}.toc{align-self:start;position:sticky;top:24px;font-size:.88rem;border-top:2px solid var(--green);padding-top:16px}.toc strong{color:var(--navy)}.toc ol{padding-left:20px;line-height:1.5}.toc li{margin:12px 0}.toc a{color:var(--muted);text-decoration:none}.toc a:hover{color:var(--blue);text-decoration:underline}.prose{max-width:720px;min-width:0;font-size:1.04rem;line-height:1.85}.prose>p:first-child{font-size:1.12rem;color:var(--navy);margin-top:0}.prose h2{font-size:1.65rem;line-height:1.3;margin:35px 0 14px;scroll-margin-top:24px}.prose p{margin:0 0 18px}.prose ul,.prose ol{padding-left:24px}.prose li{margin:9px 0}.takeaway{padding:24px;background:var(--sky);border-radius:16px;margin:30px 0;border-left:3px solid var(--green)}.takeaway strong{display:block;margin-bottom:8px;color:var(--navy)}.takeaway p{margin:0}.sources{font-size:.85rem;color:var(--muted);padding-top:22px;border-top:1px solid var(--line);margin-top:30px}.sources p{margin:0 0 8px}.next-article{display:block;padding:24px;margin-top:28px;background:#f5f9fc;border:1px solid var(--line);border-radius:16px;text-decoration:none;color:var(--navy);font-weight:700}.next-article span{display:block;font-size:.8rem;font-weight:500;color:var(--muted);margin-bottom:5px}.simulation{padding:30px 52px 70px}.waiting{max-width:750px;margin:auto;padding:48px;border-radius:24px;background:var(--sky);border:1px solid var(--line);text-align:center}.waiting h2{font-size:1.8rem}.waiting p{color:var(--muted);max-width:500px;margin:16px auto 26px}.waiting .eyebrow{background:#fff}.site-footer{padding:30px 34px 28px;border-top:1px solid var(--line);background:#fbfdfe;color:var(--muted);font-size:.82rem}.footer-row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}.footer-row strong{color:var(--navy)}.footer-nav{display:flex;gap:20px;flex-wrap:wrap}.footer-nav a{color:var(--muted)}.credit-note{margin:22px 0 0;line-height:1.7;font-size:.8rem}.footer-backlinks{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);line-height:1.8;overflow-wrap:anywhere;font:inherit}.footer-backlinks:empty{display:none}.footer-backlinks a{color:var(--navy)}.footer-backlinks a:hover{color:var(--blue)}
@media(max-width:1000px){.topbar{align-items:flex-start}.nav{gap:16px;flex-wrap:wrap;justify-content:flex-end}.hero{padding:42px 32px;gap:24px}.hero h1{font-size:3.3rem}.section{padding:40px 32px}.notice{margin:0 32px}.band{margin:0 32px 40px}.article-layout{padding:0 36px 40px;gap:30px;grid-template-columns:180px minmax(0,1fr)}.page-heading{padding:34px 32px}.article-cover{margin:0 32px 30px}.grid{gap:18px}.card-copy{padding:17px}}
@media(max-width:760px){body{padding:12px}.page{border-radius:24px}.topbar{padding:20px;flex-direction:column;gap:18px}.nav{justify-content:flex-start;width:100%;gap:16px;font-size:.875rem}.nav .button{padding:11px 14px}.hero{grid-template-columns:1fr;padding:32px 24px;gap:28px}.hero h1{font-size:clamp(2.65rem,8vw,3.9rem)}.hero-art img{aspect-ratio:1.7}.hero-caption{font-size:.8rem}.lead{font-size:1.05rem}.notice{margin:0 24px}.section{padding:34px 24px}.section-head{align-items:flex-start;flex-direction:column;gap:12px}.grid{grid-template-columns:repeat(2,minmax(0,1fr))}.band{margin:0 24px 34px;padding:26px;align-items:flex-start;flex-direction:column}.page-heading{padding:28px 24px}.article-cover{margin:0 24px 24px}.article-cover img{aspect-ratio:1.5}.article-layout{display:block;padding:0 24px 34px}.toc{position:static;margin-bottom:32px;padding:18px;border:1px solid var(--line);border-radius:14px}.toc ol{columns:2;column-gap:24px}.toc li{break-inside:avoid}.prose{font-size:1rem}.simulation{padding:15px 24px 40px}.waiting{padding:30px 20px}.site-footer{padding:25px 24px}.article-header{text-align:left}.article-header .breadcrumb,.article-header .meta{justify-content:flex-start}.guide-section{padding-top:6px}}
@media(max-width:480px){.grid{grid-template-columns:1fr}.nav{gap:14px}.nav .button{width:100%}.actions{align-items:stretch;flex-direction:column}.hero-caption{flex-direction:column;gap:2px}.toc ol{columns:1}.page-heading h1{font-size:2.25rem}.brand{font-size:1.15rem}.article-card h3{font-size:1.25rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Appels à l’action vers la page du formulaire */
.button.button-cta,.nav>a.button-cta{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 8px 22px rgba(40,120,181,.24);font-weight:800;padding:15px 22px}
.button.button-cta:hover,.nav>a.button-cta:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.cta-availability{font-size:.82rem;color:var(--muted);margin:12px 0 0}
.heading-cta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:26px}
.heading-cta>span{font-size:.82rem;color:var(--muted)}
.article-header .heading-cta{justify-content:center}
.conversion-band{border-top:4px solid var(--green)}
.conversion-band .kicker{color:#c5e5f7;font-size:.75rem;margin-bottom:10px}
.conversion-band .button-cta{background:#fff;border-color:#fff;color:var(--navy);box-shadow:0 8px 20px #061e3525}
.conversion-band .button-cta:hover{background:var(--sky);border-color:var(--sky);color:var(--navy)}
.cta-action{flex-shrink:0;max-width:100%}
.cta-action small{display:block;color:#deedf7;font-size:.8rem;margin-top:10px;text-align:center}
.article-cta{margin:32px 0;padding:30px;border-radius:20px;background:var(--sky);border:1px solid var(--line);border-top:4px solid var(--green)}
.prose .article-cta h2{margin:8px 0 14px;font-size:1.8rem}
.prose .article-cta p{line-height:1.65}
.article-cta small{display:block;margin-top:12px;font-size:.82rem;color:var(--muted)}
.mobile-cta{display:none}
@media(max-width:1000px){.conversion-band{align-items:flex-start;flex-direction:column}}
@media(max-width:760px){.article-header .heading-cta{justify-content:flex-start}.has-mobile-cta{padding-bottom:calc(116px + env(safe-area-inset-bottom,0px))}.mobile-cta{display:flex;flex-direction:column;gap:5px;position:fixed;bottom:0;left:0;right:0;z-index:20;padding:12px 20px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.98);border-top:1px solid var(--line);box-shadow:0 -8px 25px #123d6810}.mobile-cta>span{font-size:.75rem;text-align:center;color:var(--muted)}.mobile-cta .button{width:100%}.article-cta{padding:24px}.article-cta .button{width:100%}html{scroll-padding-bottom:120px}}
@media(max-width:480px){.heading-cta{align-items:stretch;flex-direction:column;gap:10px}.heading-cta>span{text-align:center}.conversion-band .cta-action,.conversion-band .button{width:100%}.button.button-cta{padding:15px 17px}}

/* Formulaire natif de rachat de crédits */
.form-heading .lead{max-width:800px}.form-section{padding:0 52px 52px}.form-shell{border:1px solid var(--line);border-radius:24px;background:#fff;box-shadow:0 12px 35px #123d6809;overflow:hidden}.native-form{padding:34px}.native-form__intro{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;border-bottom:1px solid var(--line);padding-bottom:24px}.native-form__intro h2{font-size:1.8rem;margin:0 0 12px}.native-form__intro p{color:var(--muted);margin:0;max-width:660px;font-size:.95rem}.native-form__badge{white-space:nowrap;font-weight:750;font-size:.875rem;color:var(--navy);padding:8px 13px;background:var(--sky);border-radius:999px}.native-form__section{border:0;padding:0;margin:30px 0 0;min-width:0;width:100%}.native-form__section-title{display:flex;align-items:center;gap:12px;font-size:1.2rem;font-weight:800;color:var(--navy);padding:0;margin-bottom:22px;line-height:1.4}.native-form__section-title span{display:inline-grid;place-items:center;flex-shrink:0;width:32px;height:32px;background:var(--navy);color:#fff;border-radius:11px;font-size:.9rem}.native-form__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 24px}.native-field{display:flex;flex-direction:column;gap:8px;min-width:0}.native-field>label,.field-label{color:var(--text);font-weight:650;font-size:.92rem;line-height:1.5}.native-field em{color:var(--blue);font-style:normal}.native-field input,.native-field select{min-width:0;width:100%;border:1px solid #aabdc9;background:#fbfdfe;border-radius:11px;padding:13px 14px;min-height:50px;color:var(--text);font:inherit;font-size:1rem;line-height:1.4}.native-field input::placeholder{color:#61798b;opacity:1}.native-field input:focus,.native-field select:focus{outline:3px solid #2878b533;outline-offset:1px;border-color:var(--blue);background:#fff}.native-field input:user-invalid,.native-field select:user-invalid{border-color:#b83232}.date-parts{display:grid;grid-template-columns:1fr auto 1fr auto 1.4fr;gap:8px;align-items:end}.date-part{display:flex;flex-direction:column;gap:6px;min-width:0}.date-part span{font-size:.8rem;color:var(--muted);font-weight:500}.date-part input{padding:13px 10px}.date-separator{padding-bottom:13px;color:var(--muted)}.native-form__consent{margin-top:30px;padding:20px;border:1px solid var(--line);border-radius:14px;background:var(--sky);display:flex;align-items:flex-start;gap:12px;font-size:.9rem;line-height:1.7}.native-form__consent input{accent-color:var(--blue);flex-shrink:0;margin:5px 0 0;width:18px;height:18px}.native-form__actions{display:flex;justify-content:space-between;align-items:center;gap:20px;border-top:1px solid var(--line);margin-top:25px;padding-top:25px}.native-form__secure{font-size:.875rem;color:var(--muted)}.native-form__submit{font-family:inherit;cursor:pointer;min-height:54px}.native-form__submit:disabled{opacity:.65;cursor:wait}.form-feedback{padding:18px;margin:22px 0 0;border:1px solid #c47373;border-radius:12px;background:#fff5f5;color:#802b2b;font-size:.94rem}.native-form [hidden]{display:none!important}.form-success{padding:30px;background:var(--sky);border-radius:18px;border-left:4px solid var(--green);margin-top:28px}.form-success h2{font-size:1.8rem}.form-honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
@media(max-width:760px){.form-section{padding:0 24px 34px}.native-form{padding:24px}.native-form__intro{flex-direction:column;gap:16px}.native-form__grid{grid-template-columns:1fr}.native-form__actions{flex-direction:column;align-items:stretch}.native-form__actions .button{width:100%}.native-form__consent{padding:16px}.native-form__section-title{font-size:1.1rem}}
@media(max-width:480px){.form-section{padding:0 16px 28px}.native-form{padding:20px 16px}.native-form__intro h2{font-size:1.6rem}}

/* Ligne dédiée : conserve les couples restant dû / mensualités. */
.native-field.credit-count-row{grid-column:1 / -1}
.native-field.credit-count-row select{max-width:calc((100% - 24px) / 2)}
@media(max-width:760px){.native-field.credit-count-row select{max-width:100%}}

/* Sur mobile, accès immédiat aux premiers champs de la simulation. */
.form-mobile-intro{display:none}
@media(max-width:760px){
  body.simulation-page{padding:8px}
  .simulation-page .topbar{padding:14px 18px;gap:10px}
  .simulation-page .brand{font-size:1.05rem;gap:10px}
  .simulation-page .brand-mark{width:36px;height:36px;border-radius:11px;font-size:.85rem}
  .simulation-page .nav{gap:22px;font-size:.875rem}
  .simulation-page .nav>a.button{display:none}
  .simulation-page .form-heading{padding:20px 18px 16px}
  .simulation-page .form-heading .breadcrumb,
  .simulation-page .form-heading .eyebrow,
  .simulation-page .form-heading .lead{display:none}
  .simulation-page .form-heading h1{font-size:1.85rem;line-height:1.12;letter-spacing:-.035em}
  .simulation-page .form-section{padding:0 12px 28px}
  .simulation-page .form-shell{border-radius:18px}
  .simulation-page .native-form{padding:16px}
  .simulation-page .native-form__intro{display:none}
  .simulation-page .form-mobile-intro{display:block;font-size:.875rem;line-height:1.5;color:var(--muted);margin:0 0 18px}
  .simulation-page .native-form__section:first-of-type{margin-top:0}
  .simulation-page .native-form__section-title{font-size:1.05rem;gap:9px;margin-bottom:16px}
  .simulation-page .native-form__section-title span{width:28px;height:28px;border-radius:9px}
  .simulation-page .native-form__grid{gap:18px}
}

.quick-answer{padding:24px;margin:0 0 28px;background:var(--sky);border-left:3px solid var(--green);border-radius:0 16px 16px 0}.prose .quick-answer h2{font-size:1.35rem;margin:0 0 12px}.quick-answer p{margin:0}.related-reading{margin:28px 0;padding:22px;border:1px solid var(--line);border-radius:16px}.prose .related-reading h2{margin:0 0 12px;font-size:1.3rem}