:root{
  --navy:#21365E;
  --navy-deep:#1A2B4D;
  --navy-ink:#14203A;
  --terra:#B74732;
  --terra-dark:#973927;
  --steel:#447DAC;
  --sky:#A8C6E0;
  --sky-soft:#EFF5FB;
  --line:#E3EAF3;
  --ink:#233047;
  --body-c:#48536B;
  --font-head:'Montserrat',sans-serif;
  --font-body:'Open Sans',sans-serif;
  --header-h:100px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{background:var(--navy-ink);-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion: no-preference){html{scroll-behavior:smooth}}
body{font-family:var(--font-body);color:var(--body-c);background:var(--navy-ink)}
img{max-width:100%;display:block}
a{color:inherit}

/* ---------- Barre de progression de lecture ---------- */
#progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--terra);z-index:1300}

/* ---------- Header ---------- */
.site-header{position:fixed;top:0;left:0;right:0;height:var(--header-h);display:flex;align-items:center;z-index:1000;background:transparent;transition:background .35s ease,box-shadow .35s ease,height .35s ease}
.site-header .inner{width:min(1240px,92%);margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:66px;width:auto;display:block;transition:height .35s ease}
.brand .logo-color{display:none}
.site-header.scrolled{background:#fff;height:78px;box-shadow:0 8px 28px rgba(20,32,58,.10)}
.site-header.scrolled .brand img{height:54px}
.site-header.scrolled .logo-white{display:none}
.site-header.scrolled .logo-color{display:block}
.main-nav{display:flex;align-items:center;gap:42px}
.main-nav a{font:700 14px var(--font-head);letter-spacing:.12em;text-transform:uppercase;color:#fff;text-decoration:none;position:relative;padding:6px 0;transition:color .3s ease}
.main-nav a::after{content:"";position:absolute;left:0;bottom:0;width:100%;height:2px;background:var(--terra);transform:scaleX(0);transform-origin:left;transition:transform .3s ease}
.main-nav a:hover::after,.main-nav a.active::after{transform:scaleX(1)}
.main-nav a:hover,.main-nav a.active{color:var(--terra)}
.site-header.scrolled .main-nav a{color:var(--navy)}
.site-header.scrolled .main-nav a:hover,.site-header.scrolled .main-nav a.active{color:var(--terra)}
.cta-btn{font:700 13px var(--font-head);letter-spacing:.12em;text-transform:uppercase;color:#fff !important;background:transparent;border:1.5px solid rgba(255,255,255,.75);padding:14px 30px;text-decoration:none;border-radius:999px;transition:background .3s ease,color .3s ease,border-color .3s ease}
.cta-btn:hover{background:#fff;color:var(--navy) !important;border-color:#fff}
.site-header.scrolled .cta-btn{color:var(--navy) !important;border-color:var(--navy)}
.site-header.scrolled .cta-btn:hover{background:var(--navy);color:#fff !important}
.cta-btn::after{display:none}
.burger{display:none;background:none;border:none;cursor:pointer;padding:8px;z-index:1200}
.burger span{display:block;width:26px;height:2.5px;background:#fff;margin:5.5px 0;border-radius:2px;transition:background .35s ease}
.site-header.scrolled .burger span{background:var(--navy)}

/* ---------- Menu mobile ---------- */
.mobile-menu{position:fixed;inset:0;background:linear-gradient(150deg,var(--navy-deep),var(--navy));z-index:1100;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding:0 10%;gap:8px;transform:translateX(100%);transition:transform .4s cubic-bezier(.7,0,.3,1)}
.mobile-menu.open{transform:translateX(0)}
.mobile-menu a{font:800 24px var(--font-head);letter-spacing:.08em;text-transform:uppercase;color:#fff;text-decoration:none;padding:12px 0}
.mobile-menu .cta-btn{margin-top:18px;font-size:13px}
.mm-logo{position:absolute;top:22px;left:10%;height:58px;width:auto}
.mm-close{position:absolute;top:26px;right:8%;background:none;border:none;color:#fff;font:400 38px/1 var(--font-body);cursor:pointer}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(140deg,#16233F 0%,#21365E 55%,#2B4A7C 100%);color:#fff;padding:calc(var(--header-h) + 84px) 0 150px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.12) 1px,transparent 1px);background-size:26px 26px;opacity:.22;pointer-events:none}
.hero-ghost{position:absolute;right:-2%;bottom:-8%;font:800 clamp(180px,26vw,360px)/0.8 var(--font-head);letter-spacing:-.02em;color:rgba(255,255,255,.02);-webkit-text-stroke:1px rgba(255,255,255,.09);user-select:none;pointer-events:none}
.hero .inner{width:min(1240px,92%);margin:0 auto;position:relative;z-index:2}
.breadcrumb{font:700 11.5px var(--font-head);letter-spacing:.24em;text-transform:uppercase;color:var(--sky);margin-bottom:26px}
.breadcrumb span{color:rgba(255,255,255,.45);margin:0 10px}
.hero .bar{width:58px;height:4px;background:var(--terra);margin-bottom:24px}
.hero h1{font:800 clamp(32px,5vw,58px)/1.08 var(--font-head);letter-spacing:.01em;text-transform:uppercase;color:#fff;max-width:820px}
.hero .lede{margin-top:24px;font:400 16px/1.8 var(--font-body);color:#C9D9EA;max-width:640px}

/* ---------- Carte document (recouvrement) ---------- */
.page-white{background:#fff;padding-bottom:10px}
.doc-card{width:min(1240px,92%);margin:-66px auto 0;background:#fff;border:1px solid var(--line);border-radius:6px;box-shadow:0 24px 60px rgba(20,32,58,.12);padding:24px 30px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 30px;position:relative;z-index:5}
.doc-meta{display:flex;flex-wrap:wrap;gap:14px 40px}
.meta-item .k{display:block;font:700 10px var(--font-head);letter-spacing:.2em;text-transform:uppercase;color:var(--steel);margin-bottom:5px}
.meta-item .v{font:700 14px var(--font-head);color:var(--navy)}
.print-btn{display:inline-flex;align-items:center;gap:10px;font:700 11.5px var(--font-head);letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:#fff;border:1.5px solid var(--navy);border-radius:4px;padding:12px 20px;cursor:pointer;transition:background .25s ease,color .25s ease}
.print-btn svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:1.8}
.print-btn:hover{background:var(--navy);color:#fff}

/* ---------- Layout sommaire + contenu ---------- */
.layout{width:min(1240px,92%);margin:70px auto 0;display:grid;grid-template-columns:280px minmax(0,1fr);gap:76px;align-items:start}
.toc{position:sticky;top:104px;max-height:calc(100vh - 140px);overflow:auto;padding-right:8px;padding-bottom:36px;scrollbar-width:none;-webkit-mask-image:linear-gradient(to bottom,#000 calc(100% - 30px),transparent);mask-image:linear-gradient(to bottom,#000 calc(100% - 30px),transparent)}
.toc::-webkit-scrollbar{display:none}
.toc-head{margin-bottom:16px}
.toc-head .t{font:800 12px var(--font-head);letter-spacing:.3em;text-transform:uppercase;color:var(--navy)}
.toc-head .b{width:30px;height:3px;background:var(--terra);margin-top:9px}
.toc a{display:flex;gap:9px;padding:6.5px 6px 6.5px 14px;border-left:2px solid var(--line);font:600 12.5px/1.4 var(--font-body);color:#5E6B85;text-decoration:none;transition:color .2s ease,border-color .2s ease,background .2s ease}
.toc a .n{font:700 10.5px/1.55 var(--font-head);color:var(--steel);min-width:19px}
.toc a:hover{color:var(--navy)}
.toc a.active{border-color:var(--terra);color:var(--navy);font-weight:700;background:linear-gradient(90deg,rgba(183,71,50,.07),transparent 70%)}
.toc-m{display:none;width:100%;border:1px solid var(--line);border-radius:6px;background:#fff;margin-bottom:34px}
.toc-m summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:16px 20px;font:800 12px var(--font-head);letter-spacing:.24em;text-transform:uppercase;color:var(--navy)}
.toc-m summary::-webkit-details-marker{display:none}
.toc-m summary::after{content:"+";font:700 18px var(--font-head);color:var(--terra)}
.toc-m[open] summary::after{content:"–"}
.toc-m .toc-m-list{padding:4px 20px 16px}
.toc-m .toc-m-list a{display:flex;gap:10px;padding:8px 0;font:600 13px/1.5 var(--font-body);color:#5E6B85;text-decoration:none;border-bottom:1px solid var(--sky-soft)}
.toc-m .toc-m-list a .n{font:700 11px/1.6 var(--font-head);color:var(--steel);min-width:20px}

/* ---------- Articles ---------- */
.content{padding-bottom:30px}
.article{padding:46px 0;border-bottom:1px solid var(--line);scroll-margin-top:120px}
.article:first-of-type{padding-top:6px}
.article:last-of-type{border-bottom:none}
.art-head{display:flex;align-items:flex-start;gap:20px;margin-bottom:20px}
.art-num{font:800 40px/1 var(--font-head);letter-spacing:-.02em;color:var(--steel);transform:translateY(2px);flex-shrink:0}
.article h2{font:800 clamp(18px,2vw,22px)/1.3 var(--font-head);letter-spacing:.04em;text-transform:uppercase;color:var(--navy);padding-top:9px}
.article p{font:400 15.5px/1.8 var(--font-body);color:var(--body-c);margin-bottom:16px}
.article p:last-child{margin-bottom:0}
.article strong{color:var(--navy);font-weight:700}
.article ul{list-style:none;margin-bottom:16px}
.article ul li{position:relative;padding:0 0 11px 24px;font:400 15.5px/1.7 var(--font-body);color:var(--body-c)}
.article ul li::before{content:"";position:absolute;left:3px;top:9px;width:6px;height:6px;background:var(--terra);transform:rotate(45deg)}
.article a{color:var(--steel);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.ph{background:#FDF3E7;border-bottom:1.5px dashed var(--terra);padding:1px 7px;border-radius:3px;font-weight:600;color:#8A4A1F;white-space:nowrap}

/* Encadrés */
.notice,.info{margin:22px 0;padding:20px 24px;border-left:4px solid;border-radius:0 6px 6px 0}
.notice{background:#FBF2F0;border-color:var(--terra)}
.info{background:var(--sky-soft);border-color:var(--steel)}
.callout-tag{display:block;font:800 10.5px var(--font-head);letter-spacing:.24em;text-transform:uppercase;margin-bottom:9px}
.notice .callout-tag{color:var(--terra)}
.info .callout-tag{color:var(--steel)}
.notice p,.info p{margin-bottom:8px;font-size:14.5px}
.notice p:last-child,.info p:last-child{margin-bottom:0}

/* Tableau */
.table-wrap{margin:22px 0;border:1px solid var(--line);border-radius:6px;overflow:hidden;overflow-x:auto}
.table-wrap table{width:100%;border-collapse:collapse;min-width:540px}
.table-wrap thead th{background:var(--navy);color:#fff;font:700 11.5px var(--font-head);letter-spacing:.14em;text-transform:uppercase;text-align:left;padding:15px 22px}
.table-wrap tbody td{padding:16px 22px;font:400 14.5px/1.65 var(--font-body);color:var(--body-c);border-top:1px solid var(--line);vertical-align:top}
.table-wrap tbody td:first-child{font-weight:700;color:var(--navy);width:46%}
.table-wrap tbody tr:nth-child(even){background:#FAFCFE}
.table-wrap .pct{font:800 15px var(--font-head);color:var(--terra)}

/* Révélation au scroll */
.rv{opacity:0;transform:translateY(16px);transition:opacity .55s ease,transform .55s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){.rv{opacity:1;transform:none;transition:none}}

/* ---------- CTA ---------- */
.cta{background:linear-gradient(135deg,var(--navy-deep),var(--navy) 60%,#2B4A7C);color:#fff;padding:88px 0;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.12) 1px,transparent 1px);background-size:26px 26px;opacity:.18;pointer-events:none}
.cta .inner{width:min(1240px,92%);margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:36px;position:relative;z-index:2}
.cta .bar{width:52px;height:4px;background:var(--terra);margin-bottom:22px}
.cta h2{font:800 clamp(24px,3.4vw,40px)/1.15 var(--font-head);letter-spacing:.01em;text-transform:uppercase}
.cta .sub{margin-top:16px;font:400 15.5px/1.8 var(--font-body);color:#C9D9EA;max-width:560px}
.cta-actions{display:flex;flex-wrap:wrap;gap:16px}
.btn-terra{font:700 12.5px var(--font-head);letter-spacing:.12em;text-transform:uppercase;color:#fff;background:var(--terra);padding:17px 32px;text-decoration:none;border-radius:4px;transition:background .3s ease,transform .3s ease}
.btn-terra:hover{background:var(--terra-dark);transform:translateY(-2px)}
.btn-ghost{font:700 12.5px var(--font-head);letter-spacing:.12em;text-transform:uppercase;color:#fff;border:1.5px solid rgba(255,255,255,.55);padding:16px 30px;text-decoration:none;border-radius:4px;transition:background .3s ease,color .3s ease}
.btn-ghost:hover{background:#fff;color:var(--navy)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-ink);color:#A9BAD3;padding-top:72px}
.f-grid{width:min(1240px,92%);margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:48px;padding-bottom:56px}
.f-logo{height:124px;width:auto;display:block}
.f-brand p{margin-top:16px;font:400 14px/1.8 var(--font-body)}
.f-col h4{font:800 12px var(--font-head);letter-spacing:.22em;text-transform:uppercase;color:#fff}
.f-col h4::after{content:"";display:block;width:26px;height:3px;background:var(--terra);margin:10px 0 18px}
.f-col a{display:block;font:400 14px/2.15 var(--font-body);color:#A9BAD3;text-decoration:none;transition:color .25s ease}
.f-col a:hover{color:#fff}
.f-col .now{color:#fff;font-weight:600}
.f-contact p{font:400 14px/1.9 var(--font-body);margin-bottom:10px}
.f-contact strong{color:#fff;font-weight:700}
.f-bottom{border-top:1px solid rgba(255,255,255,.09)}
.f-bottom .inner{width:min(1240px,92%);margin:0 auto;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 28px;padding:24px 0;font:400 12.5px/1.7 var(--font-body);color:#7E90AF}
.ph-dark{background:rgba(183,71,50,.16);border-bottom:1px dashed var(--terra);padding:1px 6px;border-radius:3px;color:#F0C9A6;white-space:nowrap}

/* ---------- Responsive ---------- */
@media (max-width:1024px){
  .layout{grid-template-columns:1fr;gap:0;margin-top:52px}
  .toc{display:none}
  .toc-m{display:block}
  .doc-card{margin-top:-52px}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .main-nav{display:none}
  .burger{display:block}
}
@media (max-width:720px){
  :root{--header-h:72px}
  .hero{padding:calc(var(--header-h) + 60px) 0 120px}
  .brand img{height:52px}
  .site-header.scrolled .brand img{height:46px}
  .doc-card{flex-direction:column;align-items:flex-start}
  .art-head{gap:14px}
  .art-num{font-size:30px}
  .f-grid{grid-template-columns:1fr;gap:36px}
  .cta{padding:70px 0}
}

/* ---------- Impression ---------- */
@media print{
  html,body{background:#fff}
  #progress,.site-header,.mobile-menu,.hero::before,.hero-ghost,.toc,.toc-m,.print-btn,.cta,.site-footer{display:none !important}
  .hero{background:none;color:#000;padding:20px 0 0}
  .hero .bar{background:#000}
  .hero h1{color:#000;font-size:26pt}
  .hero .lede,.breadcrumb{color:#333}
  .breadcrumb span{color:#999}
  .doc-card{box-shadow:none;border:1px solid #ccc;margin:16px auto 0;width:100%}
  .layout{display:block;width:100%;margin:10px 0 0}
  .rv{opacity:1 !important;transform:none !important;transition:none !important}
  .article{padding:22px 0}
  .article h2{color:#000}
  .art-num{color:#999}
  .table-wrap thead th{background:#eee;color:#000}
  a{color:#000;text-decoration:none}
}