/* Lumos Services Financiers : pages de services */
:root {
    --bg-deep: #111118;
    --bg-card: #191922;
    --bg-elevated: #22222e;
    --gold-primary: #d4a853;
    --gold-light: #f0d090;
    --gold-dark: #b8943f;
    --gold-glow: rgba(212, 168, 83, 0.35);
    --text-primary: #f5f3f0;
    --text-secondary: rgba(245, 243, 240, 0.78);
    --text-muted: rgba(245, 243, 240, 0.55);
    --border-subtle: rgba(255, 255, 255, 0.10);
    --border-gold: rgba(212, 168, 83, 0.22);
    --ease: cubic-bezier(0.16, 1, 0.3, 1);
    --max: 1180px;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    font-family: 'Outfit', 'Helvetica Neue', Arial, sans-serif;
    font-weight: 300;
    background: var(--bg-deep);
    color: var(--text-primary);
    line-height: 1.7;
    overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
:focus-visible { outline: 2px solid var(--gold-light); outline-offset: 3px; }
.saut { position: absolute; left: 1rem; top: -4rem; z-index: 300; background: var(--gold-primary); color: var(--bg-deep); padding: .6rem 1rem; font-weight: 500; }
.saut:focus { top: 1rem; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 2rem; }
.highlight { color: var(--gold-light); font-style: italic; }

/* ---------- Navigation ---------- */
.site-nav {
    position: fixed; inset: 0 0 auto 0; z-index: 100;
    padding: 1.2rem 3rem;
    display: flex; align-items: center; justify-content: space-between; gap: 2rem;
    transition: background-color .4s ease, padding .4s ease, box-shadow .4s ease;
}
.site-nav.scrolled, body.menu-ouvert .site-nav {
    background: rgba(17, 17, 24, 0.94);
    backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
    padding-top: .85rem; padding-bottom: .85rem;
    box-shadow: 0 1px 0 var(--border-subtle);
}
.nav-left { display: flex; align-items: center; gap: 1.5rem; }
.logo svg { height: 26px; width: auto; filter: drop-shadow(0 0 20px var(--gold-glow)); }
.nav-links { display: flex; gap: 2.2rem; }
.nav-links a {
    color: var(--text-secondary); font-size: .8rem; font-weight: 400;
    letter-spacing: .14em; text-transform: uppercase; padding: .4rem 0; position: relative; transition: color .3s ease;
}
.nav-links a::after { content: ''; position: absolute; left: 0; bottom: 0; width: 0; height: 1px; background: var(--gold-primary); transition: width .4s var(--ease); }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--gold-primary); }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after { width: 100%; }
.portal-btn {
    display: inline-flex; align-items: center; gap: .6rem; padding: .6rem 1.2rem;
    border: 1px solid rgba(212, 168, 83, .28); background: rgba(212, 168, 83, .06); color: var(--gold-light);
    font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; border-radius: 2px; transition: all .4s var(--ease);
}
.portal-btn:hover { background: var(--gold-primary); color: var(--bg-deep); }
.menu-btn { display: none; background: none; border: 0; padding: 10px; cursor: pointer; flex-direction: column; gap: 6px; }
.menu-btn span { display: block; width: 24px; height: 1.5px; background: var(--gold-primary); transition: transform .3s ease, opacity .3s ease; }
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }
.mobile-menu {
    position: fixed; inset: 0; z-index: 99; background: var(--bg-deep);
    display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 1.4rem;
    padding: 5rem 1.5rem 2rem; overflow-y: auto; opacity: 0; visibility: hidden; transition: opacity .35s ease, visibility .35s;
}
.mobile-menu.active { opacity: 1; visibility: visible; }
.mobile-menu a { font-family: 'Cormorant Garamond', Georgia, serif; font-size: 1.7rem; letter-spacing: .06em; color: var(--text-primary); }
.mobile-menu a:hover { color: var(--gold-primary); }
.mobile-menu .portal-btn { font-family: 'Outfit', sans-serif; font-size: .8rem; margin-top: 1rem; padding: .9rem 2rem; }

/* ---------- Fil d'Ariane ---------- */
.breadcrumb { font-size: .8rem; color: var(--text-muted); margin-bottom: 2rem; }
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: .5rem; }
.breadcrumb li + li::before { content: '/'; margin-right: .5rem; color: var(--gold-dark); }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb [aria-current] { color: var(--gold-light); }

/* ---------- Hero ---------- */
.page-hero { position: relative; padding: 10rem 0 5rem; overflow: hidden; isolation: isolate; }
.page-hero::before {
    content: ''; position: absolute; z-index: -1; width: 900px; height: 900px; right: -300px; top: -350px;
    background: radial-gradient(closest-side, rgba(212, 168, 83, .16), rgba(212, 168, 83, 0));
}
.page-hero::after {
    content: ''; position: absolute; z-index: -1; left: 0; right: 0; bottom: 0; height: 1px;
    background: linear-gradient(90deg, transparent, var(--border-gold), transparent);
}
.section-label {
    display: inline-flex; align-items: center; gap: 1rem;
    font-size: .74rem; letter-spacing: .42em; text-transform: uppercase; color: var(--gold-primary); margin-bottom: 1.4rem;
}
.section-label::before, .section-label::after { content: ''; width: 32px; height: 1px; background: var(--gold-primary); opacity: .4; }
.page-hero h1 {
    font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 400;
    font-size: clamp(2.6rem, 6vw, 5rem); line-height: 1.08; max-width: 16ch;
}
.page-hero .lead { margin-top: 1.6rem; max-width: 640px; font-size: 1.14rem; color: var(--text-secondary); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2.6rem; }
.btn-gold, .btn-outline {
    display: inline-flex; align-items: center; justify-content: center; gap: .7rem;
    padding: 1rem 2.2rem; font-size: .78rem; font-weight: 500; letter-spacing: .15em; text-transform: uppercase;
    transition: all .5s var(--ease); white-space: nowrap;
}
.btn-gold {
    background: linear-gradient(165deg, var(--gold-light) 0%, var(--gold-primary) 50%, var(--gold-dark) 100%);
    color: var(--bg-deep); font-weight: 600; border: 1px solid rgba(240, 208, 144, .4);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, .2), 0 2px 8px rgba(0, 0, 0, .3);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 8px 32px var(--gold-glow); }
.btn-outline { border: 1px solid rgba(212, 168, 83, .35); color: var(--gold-light); }
.btn-outline:hover { border-color: var(--gold-primary); color: #fff; }

.atouts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 4rem; background: var(--border-subtle); border: 1px solid var(--border-subtle); }
.atout { background: var(--bg-deep); padding: 1.4rem 1.6rem; }
.atout strong { display: block; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 500; font-size: 1.35rem; color: var(--gold-light); line-height: 1.2; }
.atout span { font-size: .9rem; color: var(--text-muted); }

/* ---------- Sections ---------- */
.section { padding: 6rem 0; }
.section.alt { background: var(--bg-card); }
.section h2 {
    font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 500;
    font-size: clamp(2rem, 4vw, 3.1rem); line-height: 1.15; margin-bottom: 1.4rem; max-width: 22ch;
}
.section .intro { max-width: 720px; color: var(--text-secondary); font-size: 1.06rem; }
.section p + p { margin-top: 1rem; }
.prose { max-width: 760px; color: var(--text-secondary); }
.prose strong { color: var(--text-primary); font-weight: 500; }
.split { display: grid; grid-template-columns: 5fr 6fr; gap: 4.5rem; align-items: start; }

.check-list { display: grid; gap: .85rem; margin-top: 1.6rem; }
.check-list li { position: relative; padding-left: 1.9rem; color: var(--text-secondary); }
.check-list li::before {
    content: ''; position: absolute; left: 0; top: .55em; width: 14px; height: 7px;
    border-left: 1.5px solid var(--gold-primary); border-bottom: 1.5px solid var(--gold-primary); transform: rotate(-45deg);
}
.check-list strong { color: var(--text-primary); font-weight: 500; }

.cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; margin-top: 3rem; }
.cards.trois { grid-template-columns: repeat(3, 1fr); }
.card {
    position: relative; overflow: hidden; background: var(--bg-elevated); border: 1px solid var(--border-subtle);
    border-radius: 4px; padding: 2.4rem; transition: border-color .5s var(--ease), transform .5s var(--ease);
}
.card::before { content: ''; position: absolute; left: 0; top: 0; width: 3px; height: 0; background: linear-gradient(180deg, var(--gold-primary), var(--gold-light)); transition: height .6s var(--ease); }
.card:hover { border-color: var(--border-gold); }
.card:hover::before { height: 100%; }
.card h3 { font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 500; font-size: 1.65rem; line-height: 1.2; margin-bottom: .9rem; color: var(--text-primary); }
.card p { color: var(--text-secondary); font-size: .98rem; }
.card .ideal { margin-top: 1.1rem; padding-top: 1rem; border-top: 1px solid var(--border-subtle); font-size: .9rem; color: var(--text-muted); }
.card .ideal b { color: var(--gold-light); font-weight: 500; }

.table-wrap { margin-top: 2.5rem; overflow-x: auto; border: 1px solid var(--border-subtle); border-radius: 4px; }
table { width: 100%; border-collapse: collapse; min-width: 560px; }
th, td { text-align: left; padding: 1.1rem 1.4rem; border-bottom: 1px solid var(--border-subtle); vertical-align: top; font-size: .96rem; }
thead th { background: var(--bg-elevated); font-weight: 500; color: var(--gold-light); letter-spacing: .04em; }
tbody th { font-weight: 500; color: var(--text-primary); width: 28%; }
td { color: var(--text-secondary); }
tr:last-child th, tr:last-child td { border-bottom: 0; }

/* Démarche (séquence réelle) */
.etapes { counter-reset: etape; display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.2rem; margin-top: 3rem; }
.etape { counter-increment: etape; border-top: 1px solid var(--border-gold); padding-top: 1.4rem; }
.etape::before { content: '0' counter(etape); display: block; font-family: 'Cormorant Garamond', Georgia, serif; font-size: 2.4rem; color: rgba(212, 168, 83, .45); line-height: 1; margin-bottom: .8rem; }
.etape h3 { font-family: 'Outfit', sans-serif; font-weight: 500; font-size: 1rem; margin-bottom: .5rem; color: var(--text-primary); }
.etape p { font-size: .92rem; color: var(--text-muted); }

/* FAQ */
.faq { margin-top: 2.5rem; max-width: 860px; border-top: 1px solid var(--border-subtle); }
.faq details { border-bottom: 1px solid var(--border-subtle); }
.faq summary {
    list-style: none; cursor: pointer; padding: 1.4rem 3rem 1.4rem 0; position: relative;
    font-family: 'Cormorant Garamond', Georgia, serif; font-size: 1.4rem; font-weight: 500; line-height: 1.3; color: var(--text-primary);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; position: absolute; right: .3rem; top: 50%; transform: translateY(-50%); font-family: 'Outfit', sans-serif; font-weight: 300; font-size: 1.6rem; color: var(--gold-primary); transition: transform .3s ease; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq summary:hover { color: var(--gold-light); }
.faq .reponse { padding: 0 0 1.6rem; color: var(--text-secondary); max-width: 760px; }
.faq .reponse p + p { margin-top: .8rem; }

/* CTA */
.cta-band { position: relative; overflow: hidden; isolation: isolate; padding: 6rem 0; text-align: center; border-top: 1px solid var(--border-subtle); }
.cta-band::before { content: ''; position: absolute; z-index: -1; inset: 0; background: radial-gradient(ellipse at 50% 120%, rgba(212, 168, 83, .18), transparent 60%); }
.cta-band h2 { font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 400; font-size: clamp(2.2rem, 4.5vw, 3.6rem); line-height: 1.12; max-width: 20ch; margin: 0 auto 1.2rem; }
.cta-band p { color: var(--text-secondary); max-width: 560px; margin: 0 auto; }
.cta-band .hero-actions { justify-content: center; }
.cta-band .details { margin-top: 1.8rem; font-size: .9rem; color: var(--text-muted); }

/* Liens connexes */
.connexes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-top: 2.5rem; }
.connexe { display: block; border: 1px solid var(--border-subtle); padding: 1.6rem 1.8rem; border-radius: 4px; transition: border-color .4s ease, background-color .4s ease; }
.connexe:hover { border-color: var(--border-gold); background: rgba(212, 168, 83, .04); }
.connexe strong { display: block; font-family: 'Cormorant Garamond', Georgia, serif; font-weight: 500; font-size: 1.4rem; color: var(--text-primary); margin-bottom: .3rem; }
.connexe span { font-size: .9rem; color: var(--text-muted); }
.connexe em { display: inline-block; margin-top: .9rem; font-style: normal; font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); }

.avis { margin-top: 3rem; font-size: .85rem; color: var(--text-muted); max-width: 860px; }
.avis a { color: var(--gold-light); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- Pied de page ---------- */
.site-footer { background: var(--bg-deep); border-top: 1px solid var(--border-subtle); padding: 4.5rem 0 2rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 3rem; }
.site-footer .logo svg { height: 24px; margin-bottom: 1.4rem; }
.site-footer address { font-style: normal; color: var(--text-muted); font-size: .9rem; line-height: 1.8; }
.site-footer address a:hover { color: var(--gold-light); }
.site-footer h2 { font-family: 'Outfit', sans-serif; font-size: .74rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--gold-primary); margin-bottom: 1.1rem; }
.site-footer nav ul { display: grid; gap: .7rem; }
.site-footer nav a { color: var(--text-muted); font-size: .9rem; transition: color .3s ease; }
.site-footer nav a:hover { color: var(--gold-light); }
.social { display: flex; gap: .7rem; margin-top: 1.3rem; }
.social a { width: 40px; height: 40px; display: grid; place-items: center; border: 1px solid var(--border-gold); border-radius: 50%; color: var(--text-secondary); transition: all .3s ease; }
.social a:hover { color: var(--gold-light); border-color: var(--gold-primary); }
.social svg { width: 17px; height: 17px; }
.footer-bottom { margin-top: 3rem; padding-top: 1.5rem; border-top: 1px solid var(--border-subtle); font-size: .8rem; color: var(--text-muted); }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
    .nav-links { display: none; }
    .menu-btn { display: flex; }
    .site-nav { padding: .85rem 1.5rem; }
    .etapes { grid-template-columns: repeat(3, 1fr); row-gap: 2rem; }
}
@media (max-width: 900px) {
    .split { grid-template-columns: 1fr; gap: 2rem; }
    .cards.trois, .connexes { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid > :first-child { grid-column: 1 / -1; }
}
@media (max-width: 768px) {
    .wrap { padding: 0 1.4rem; }
    .logo svg { height: 22px; }
    .nav-left { gap: 1rem; }
    .portal-btn .portal-text { display: none; }
    .portal-btn { padding: .5rem .7rem; }
    .page-hero { padding: 7.5rem 0 3.5rem; }
    .page-hero .lead { font-size: 1.04rem; }
    .section-label { font-size: .66rem; letter-spacing: .28em; }
    .section-label::before, .section-label::after { display: none; }
    .hero-actions { flex-direction: column; }
    .btn-gold, .btn-outline { width: 100%; padding: 1rem 1.2rem; letter-spacing: .1em; }
    .atouts { grid-template-columns: 1fr; margin-top: 3rem; }
    .section, .cta-band { padding: 4.2rem 0; }
    .cards { grid-template-columns: 1fr; gap: 1rem; }
    .card { padding: 1.8rem 1.5rem; }
    .etapes { grid-template-columns: 1fr; gap: 0; }
    .etape { display: grid; grid-template-columns: 3.2rem 1fr; column-gap: .6rem; padding: 1.2rem 0; }
    .etape::before { grid-row: span 2; font-size: 2rem; margin: 0; }
    .faq summary { font-size: 1.22rem; padding-right: 2.4rem; }
    .footer-grid { grid-template-columns: 1fr; text-align: center; gap: 2.2rem; }
    .social { justify-content: center; }
}
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* Ajustements */
.connexe span { display: block; }
.prose ul + p, .check-list + p { margin-top: 1.4rem; }