:root{
  --navy:#0a1733;
  --navy2:#10244f;
  --ink:#16203a;
  --muted:#64708a;
  --line:#e6eaf2;
  --line2:#eef1f7;
  --bg:#f4f6fb;
  --blue:#2563ff;
  --blue-dark:#1a4fe0;
  --blue-50:#eef3ff;
  --cyan:#37c4f0;
  --green:#15a368;
  --green-50:#e9f8f1;
  --red:#e23b54;
  --red-50:#fdedf0;
  --radius:18px;
  --shadow:0 2px 6px rgba(13,28,60,.05), 0 18px 50px rgba(13,28,60,.08);
}
*{box-sizing:border-box}
html,body{height:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;line-height:1.5;overflow-x:hidden}

.layout{display:grid;grid-template-columns:400px 1fr;min-height:100vh}

/* ============ LEFT BRAND PANEL ============ */
.aside{position:relative;background:
    radial-gradient(800px 400px at 20% 0%, rgba(55,196,240,.22), transparent 60%),
    radial-gradient(700px 500px at 90% 100%, rgba(37,99,255,.30), transparent 55%),
    linear-gradient(160deg,var(--navy),var(--navy2));
  color:#fff;padding:38px 36px;display:flex;flex-direction:column;overflow:hidden}
.aside::after{content:"";position:absolute;inset:0;background-image:
  linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),
  linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:34px 34px;mask:radial-gradient(420px 420px at 70% 20%,#000,transparent);pointer-events:none}
.aside > *{position:relative;z-index:1}
.logo img{height:46px;width:auto;display:block}
.aside-head{margin-top:46px}
.aside-head h1{font-size:28px;line-height:1.2;letter-spacing:-.5px;margin:0 0 12px;font-weight:800}
.aside-head p{color:#b9c6e6;font-size:15px;margin:0;max-width:300px}

/* benefit bullets (landing) */
.benefits{margin-top:30px;display:flex;flex-direction:column;gap:16px}
.benefit{display:flex;gap:13px;align-items:flex-start}
.benefit .bi{width:34px;height:34px;flex:none;border-radius:10px;background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center}
.benefit .bi svg{width:18px;height:18px}
.benefit b{display:block;font-size:14.5px;font-weight:700}
.benefit span{font-size:13px;color:#a9b8da}

/* vertical stepper (dossier) */
.vsteps{margin-top:36px;display:none;flex-direction:column;gap:2px}
.vstep{display:flex;gap:14px;align-items:flex-start;padding:4px 0;position:relative}
.vstep .num{width:30px;height:30px;flex:none;border-radius:50%;border:1.5px solid rgba(255,255,255,.25);
  display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;color:#aebbdc;background:transparent;z-index:1}
.vstep .line{position:absolute;left:14.5px;top:34px;bottom:-6px;width:1.5px;background:rgba(255,255,255,.16)}
.vstep:last-child .line{display:none}
.vstep .vl b{font-size:14.5px;font-weight:700;color:#dbe4f7;display:block}
.vstep .vl span{font-size:12.5px;color:#8597bd}
.vstep[data-s="active"] .num{border-color:var(--cyan);color:#fff;background:rgba(55,196,240,.18);box-shadow:0 0 0 4px rgba(55,196,240,.12)}
.vstep[data-s="active"] .vl b{color:#fff}
.vstep[data-s="done"] .num{border-color:var(--cyan);background:var(--cyan);color:var(--navy)}
.vstep[data-s="done"] .line{background:var(--cyan)}

.aside-foot{margin-top:auto;padding-top:28px}
.stat{display:flex;gap:22px}
.stat div b{display:block;font-size:20px;font-weight:800}
.stat div span{font-size:12px;color:#a9b8da}
.quote{margin-top:22px;font-size:13px;color:#c3d0ec;border-left:2px solid var(--cyan);padding-left:12px}

/* ============ RIGHT CONTENT ============ */
.main{display:flex;flex-direction:column;min-height:100vh}
.topbar{height:64px;display:flex;align-items:center;justify-content:flex-end;padding:0 40px;gap:18px}
.topbar a{font-size:13.5px;color:var(--muted);text-decoration:none;font-weight:600}
.topbar a.cta{color:var(--blue)}
.topbar a:hover{color:var(--navy)}
.content{flex:1;display:flex;align-items:flex-start;justify-content:center;padding:8px 40px 60px}
.stage{width:100%;max-width:680px}

/* progress mini (right, dossier) */
.mini{display:flex;align-items:center;gap:13px;margin-bottom:18px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 16px;box-shadow:0 1px 2px rgba(13,28,60,.04)}
.mini .txt{font-size:13px;font-weight:700;color:var(--navy)}
.mini .track{flex:1;height:6px;background:var(--line);border-radius:99px;overflow:hidden}
.mini .track i{display:block;height:100%;background:linear-gradient(90deg,var(--blue),var(--cyan));transition:width .4s cubic-bezier(.22,.61,.36,1)}
.mini .save{flex:none;white-space:nowrap;font-size:12px;font-weight:700;color:var(--green);background:var(--green-50);border-radius:6px;padding:2px 8px}

/* card */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px}
.ttl{font-size:23px;color:var(--navy);margin:0 0 6px;letter-spacing:-.4px;font-weight:800}
.lead-ttl{font-size:28px}
.desc{color:var(--muted);font-size:14.5px;margin:0 0 26px}

.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.full{grid-column:1/-1}
.field{min-width:0}
/* SPA panel visibility */
.panel{display:none}.panel.on{display:block}
/* AJAX loading state */
.btn.loading{opacity:.7;pointer-events:none;cursor:wait}
/* captcha inline error */
.captcha-error{font-size:12px;color:var(--red);margin:6px 0 0;font-weight:600}
.field label{display:block;font-size:13px;font-weight:700;color:var(--navy);margin:0 0 7px}
.req{color:var(--red);margin-left:2px}
.opt{color:var(--muted);font-weight:500;font-size:11.5px;margin-left:6px}
.hint{font-size:12px;color:var(--muted);margin:6px 0 0}
input,select,textarea{width:100%;font:inherit;font-size:15px;color:var(--ink);background:#fff;
  border:1.5px solid var(--line);border-radius:12px;padding:13px 14px;transition:.15s;min-width:0}
select{text-overflow:ellipsis;overflow:hidden}
textarea{resize:vertical;min-height:120px}
input::placeholder,textarea::placeholder{color:#9aa6bd}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-50)}
input:disabled,select:disabled{background:#f4f6fb;color:var(--muted);cursor:not-allowed}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:var(--red);box-shadow:0 0 0 3px var(--red-50)}
.field.valid input,.field.valid select,.field.valid textarea{border-color:#bfe6d3}
.err{display:none;font-size:12px;color:var(--red);margin:6px 0 0;font-weight:600}
.field.invalid .err{display:block}
.count{float:right;font-size:11.5px;color:var(--muted);font-weight:600}

/* phone input */
.phone{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:12px;overflow:hidden;transition:.15s}
.phone:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-50)}
.field.invalid .phone{border-color:var(--red);box-shadow:0 0 0 3px var(--red-50)}
.phone .cc{display:flex;align-items:center;gap:7px;padding:0 11px;background:#f3f6fc;border:0;border-right:1.5px solid var(--line);font:inherit;font-size:14px;color:var(--navy);white-space:nowrap;align-self:stretch;cursor:pointer;transition:.12s}
.phone .cc:hover{background:#e9eefb}
.cc-flag{width:21px;height:15px;object-fit:cover;border-radius:3px;box-shadow:inset 0 0 0 1px rgba(0,0,0,.10);flex:none;background:#eef1f7}
.cc-chev{width:13px;height:13px;color:var(--muted)}
.cc-pop{display:none;position:absolute;z-index:40;top:100%;left:0;margin-top:7px;width:310px;max-width:92vw;background:#fff;border:1px solid var(--line);border-radius:13px;box-shadow:var(--shadow);overflow:hidden}
.cc-pop.open{display:block;animation:popIn .16s ease}
@keyframes popIn{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:none}}
.cc-search{padding:10px;border-bottom:1px solid var(--line2)}
.cc-search input{padding:10px 12px;font-size:14px}
.cc-list{max-height:236px;overflow-y:auto;padding:6px}
.cc-item{display:flex;align-items:center;gap:11px;width:100%;padding:9px 10px;border:0;background:none;font:inherit;font-size:14px;color:var(--ink);border-radius:9px;cursor:pointer;text-align:left}
.cc-item:hover{background:var(--blue-50)}
.cc-item.sel{background:var(--blue-50);font-weight:700}
.cc-item .nm{flex:1;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.cc-item .dl{color:var(--muted);font-weight:600}
.cc-empty{padding:18px;text-align:center;color:var(--muted);font-size:13px}
.field-pop{position:relative}
.phone input{border:0;box-shadow:none!important;border-radius:0}

/* custom select */
.csel{position:relative}
.csel>select{display:none}
.csel-btn{display:flex;align-items:center;justify-content:space-between;gap:10px;width:100%;min-height:51.5px;font:inherit;font-size:15px;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:0 14px;cursor:pointer;text-align:left;transition:.15s}
.csel-btn:hover{border-color:#c9d2e2}
.csel-btn.placeholder{color:#9aa6bd}
.csel-btn .lbl{overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.csel-btn .chev{width:16px;height:16px;color:var(--muted);flex:none;transition:.2s}
.csel.open .csel-btn{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-50)}
.csel.open .csel-btn .chev{transform:rotate(180deg);color:var(--blue)}
.field.invalid .csel-btn{border-color:var(--red);box-shadow:0 0 0 3px var(--red-50)}
.field.valid .csel-btn{border-color:#bfe6d3}
.csel-pop{display:none;position:absolute;z-index:35;top:100%;left:0;right:0;margin-top:7px;background:#fff;border:1px solid var(--line);border-radius:13px;box-shadow:var(--shadow);overflow:hidden}
.csel.open .csel-pop{display:block;animation:popIn .16s ease}
.csel-list{max-height:266px;overflow-y:auto;padding:6px}
.csel-grp{font-size:11px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);padding:11px 12px 5px}
.csel-opt{display:flex;align-items:center;gap:10px;width:100%;padding:11px 12px;border:0;background:none;font:inherit;font-size:14.5px;color:var(--ink);border-radius:9px;cursor:pointer;text-align:left}
.csel-opt .nm{flex:1;min-width:0}
.csel-opt:hover{background:var(--blue-50)}
.csel-opt.sel{background:var(--blue-50);color:var(--navy);font-weight:700}
.csel-opt .ck{width:16px;height:16px;color:var(--blue);flex:none;opacity:0}
.csel-opt.sel .ck{opacity:1}
.csel-left{display:flex;align-items:center;gap:9px;min-width:0;flex:1}
.csel-opt .oi{width:30px;height:30px;flex:none;border-radius:8px;background:#eef3ff;color:var(--blue);display:flex;align-items:center;justify-content:center}
.csel-opt .oi svg{width:17px;height:17px}
.csel-opt.sel .oi{background:var(--blue);color:#fff}
.csel-btn .oi{width:26px;height:26px;flex:none;border-radius:7px;background:#eef3ff;color:var(--blue);display:none;align-items:center;justify-content:center}
.csel-btn .oi.show{display:flex}
.csel-btn .oi svg{width:16px;height:16px}

/* date picker */
.dateinput{position:relative}
.dateinput input{cursor:pointer;padding-right:42px}
.dateinput .cal-ic{position:absolute;right:13px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:var(--muted);pointer-events:none}
.cal-pop{display:none;position:absolute;z-index:35;top:100%;left:0;margin-top:7px;width:300px;max-width:92vw;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:12px}
.cal-pop.open{display:block;animation:popIn .16s ease}
.cal-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px}
.cal-nav{width:32px;height:32px;border:0;border-radius:9px;background:#f3f6fc;color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:center}
.cal-nav:hover{background:var(--blue-50);color:var(--blue)}
.cal-title{font-weight:800;color:var(--navy);font-size:14.5px;background:none;border:0;cursor:pointer;padding:6px 12px;border-radius:8px}
.cal-title:hover{background:var(--blue-50);color:var(--blue)}
.cal-grid{display:grid;grid-template-columns:repeat(7,1fr);gap:2px}
.cal-dow{font-size:11px;font-weight:700;color:var(--muted);text-align:center;padding:7px 0}
.cal-day{aspect-ratio:1;border:0;background:none;border-radius:9px;font:inherit;font-size:13.5px;color:var(--ink);cursor:pointer}
.cal-day:hover{background:var(--blue-50)}
.cal-day.sel{background:var(--blue);color:#fff;font-weight:700}
.cal-day:disabled{color:#d6dbe5;cursor:not-allowed;background:none}
.cal-grid.cal-months,.cal-grid.cal-years{grid-template-columns:repeat(3,1fr);gap:6px}
.cal-cell{padding:12px 0;border:0;background:#f7f9fd;border-radius:9px;font:inherit;font-size:13.5px;color:var(--ink);cursor:pointer}
.cal-cell:hover{background:var(--blue-50)}
.cal-cell:disabled{color:#d6dbe5;cursor:not-allowed;background:#f7f9fd}

/* upload / dropzones */
.docbar{display:flex;align-items:center;gap:12px;background:#fbfcff;border:1px solid var(--line);border-radius:12px;padding:12px 15px;margin:0 0 18px;font-size:13.5px}
.docbar .pct{flex:1;height:7px;background:var(--line);border-radius:99px;overflow:hidden}
.docbar .pct i{display:block;height:100%;width:0;background:var(--green);transition:.3s}
.docbar b{color:var(--navy)}
#dropzones{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px}
#dropzones .dz:last-child:nth-child(odd){grid-column:1/-1}
.dz{display:flex;align-items:flex-start;gap:13px;width:100%;text-align:left;border:1.5px dashed #c6d0e4;background:#fbfcff;
  border-radius:14px;padding:13px 15px;cursor:pointer;transition:.15s;overflow:hidden}
.dz:hover,.dz.drag{border-color:var(--blue);background:var(--blue-50)}
.dz .ic{width:40px;height:40px;flex:none;border-radius:11px;background:#eaf0ff;color:var(--blue);display:flex;align-items:center;justify-content:center;margin-top:2px}
.dz .ic svg{width:20px;height:20px}
.dz .mu{flex:1;min-width:0;display:flex;flex-direction:column;gap:4px}
.dz .t{font-weight:700;color:var(--navy);font-size:13px;line-height:1.3}
.dz .sub{display:flex;align-items:center;justify-content:space-between;gap:8px}
.dz .d{font-size:12px;color:var(--muted)}
.dz .fname{display:none;font-size:12px;color:var(--green);font-weight:700;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}
.dz .act{font-size:13px;font-weight:800;color:var(--blue);white-space:nowrap;flex:none}
.dz.filled{border-style:solid;border-color:#bfe6d3;background:var(--green-50)}
.dz.filled .ic{background:#d4f0e1;color:var(--green)}
.dz.filled .d{display:none}.dz.filled .fname{display:block}.dz.filled .act{color:var(--red)}
.badge{font-size:10.5px;font-weight:800;padding:2px 7px;border-radius:6px;vertical-align:middle}
.badge.r{color:var(--red);background:var(--red-50)}.badge.o{color:var(--muted);background:#eef1f6}

/* consent checkboxes */
.consent-row{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-top:18px}
.consent{display:flex;gap:11px;align-items:flex-start;background:#fafbfe;border:1px solid var(--line);border-radius:12px;padding:14px}
.consent input[type="checkbox"]{width:20px;height:20px;flex:none;margin-top:1px;accent-color:var(--blue)}
.consent label{font-size:13px;color:var(--ink);font-weight:500;margin:0}
.consent a{color:var(--blue);font-weight:700}

/* recap */
.recap{border:1px solid var(--line);border-radius:14px;overflow:hidden}
.recap .row{display:flex;justify-content:space-between;gap:16px;padding:13px 17px;border-bottom:1px solid var(--line2);font-size:14px}
.recap .row:last-child{border-bottom:0}
.recap .k{color:var(--muted)}.recap .v{color:var(--navy);font-weight:700;text-align:right}
.success{text-align:center;padding:6px 0 4px}
.success .big{width:74px;height:74px;border-radius:50%;background:var(--green-50);color:var(--green);display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.success .big svg{width:38px;height:38px}

/* nav buttons */
.nav{display:flex;align-items:center;justify-content:space-between;margin-top:26px;gap:12px}
.btn{display:inline-flex;align-items:center;gap:9px;font:inherit;font-weight:800;font-size:15px;border-radius:13px;padding:14px 26px;cursor:pointer;border:1.5px solid transparent;transition:.15s;text-decoration:none}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(37,99,255,.25)}
.btn-primary:hover{background:var(--blue-dark)}
.btn-primary:disabled{background:#c2cdde;box-shadow:none;cursor:not-allowed}
.btn-lg{width:100%;justify-content:center;padding:16px;font-size:16px}
.btn-ghost{background:#fff;color:var(--muted);border-color:var(--line)}
.btn-ghost:hover{color:var(--navy);border-color:#c9d2e2}
.btn svg{width:17px;height:17px}
.spacer{flex:1}

.trust{display:flex;align-items:center;gap:8px;justify-content:center;margin-top:16px;font-size:12.5px;color:var(--muted)}
.trust svg{width:15px;height:15px;color:var(--green)}
.reassure{font-size:12.5px;color:var(--muted);text-align:center;margin-top:14px}
.reassure a{color:var(--blue);font-weight:700}

/* section separator inside card */
.card-section{margin-top:26px;padding-top:22px;border-top:1px solid var(--line2)}
.card-section-ttl{font-size:12px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin:0 0 16px}

/* captcha */
.captcha-wrap{display:flex;justify-content:center;margin:18px 0 6px}
.captcha-err{font-size:12.5px;color:var(--red);text-align:center;margin-top:6px;font-weight:600}

/* flash messages */
.flash{padding:12px 16px;border-radius:12px;font-size:14px;font-weight:600;margin-bottom:14px}
.flash-success{background:var(--green-50);color:var(--green);border:1px solid #bfe6d3}
.flash-error,.flash-danger{background:var(--red-50);color:var(--red);border:1px solid #f5c2c9}

/* conditional "autres" fields */
.field-autre{margin-top:10px}

/* payment step */
.payment-notice{background:var(--blue-50);border:1px solid #c5d6ff;border-radius:14px;padding:22px 24px;margin-bottom:22px}
.payment-notice .amount{font-size:22px;font-weight:800;color:var(--navy);margin:4px 0 14px}
.payment-done{text-align:center;padding:10px 0}
.payment-done .big{width:74px;height:74px;border-radius:50%;background:var(--green-50);color:var(--green);display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.payment-done .big svg{width:38px;height:38px}
.payment-done h3{color:var(--navy);font-size:22px;font-weight:800;margin:0 0 8px}
.payment-done p{color:var(--muted);font-size:14.5px;margin:0}
.payment-failed{background:var(--red-50);border:1px solid #f5c2c9;border-radius:14px;padding:18px 20px;margin-bottom:18px;text-align:center}
.payment-failed p{color:var(--red);font-weight:700;margin:0}

/* contact block step 4 */
.contact-block{margin-top:28px;background:#fbfcff;border:1px solid var(--line);border-radius:14px;padding:20px 22px}
.contact-block h4{font-size:13.5px;font-weight:800;color:var(--navy);margin:0 0 14px;text-transform:uppercase;letter-spacing:.04em}
.contact-item{display:flex;align-items:center;gap:11px;font-size:14px;color:var(--ink);margin-bottom:10px}
.contact-item:last-child{margin-bottom:0}
.contact-item i{color:var(--blue);width:16px;text-align:center;flex:none}
.contact-item a{color:var(--ink);text-decoration:none}
.contact-item a:hover{color:var(--blue)}

@media(max-width:900px){
  .layout{grid-template-columns:1fr}
  .aside{padding:12px 16px;flex-direction:row;align-items:center;justify-content:space-between;min-height:auto}
  .aside-head,.benefits,.vsteps,.aside-foot{display:none!important}
  .aside.compact .logo img{height:36px}
  .content{padding:16px 16px 44px}
  .topbar{height:auto;min-height:56px;padding:10px 18px;gap:14px 16px;flex-wrap:wrap;justify-content:flex-end}
  .topbar a{white-space:nowrap}
  .grid{grid-template-columns:1fr}
  #dropzones,.consent-row{grid-template-columns:1fr}
  .card{padding:24px 20px}
  .lead-ttl{font-size:25px}
  .ttl{font-size:21px}
  input,select,textarea,.csel-btn,.phone .cc,.cc-search input{font-size:16px}
}

@media(max-width:560px){
  .mini{flex-wrap:wrap;gap:9px 13px}
  .mini .txt{width:100%;font-size:12.5px}
  .mini .save{order:3}
  .dz{padding:13px 14px;gap:12px}
  .dz .ic{width:38px;height:38px}
  .dz .t{font-size:13px}
  .dz .act{font-size:12.5px}
  .cc-pop{width:min(310px,92vw);left:0}
  .cal-pop{width:min(300px,92vw);left:0}
}

@media(max-width:400px){
  .content{padding:14px 12px 40px}
  .card{padding:20px 16px}
  .lead-ttl{font-size:23px}
  .ttl{font-size:20px}
  .desc{font-size:14px;margin-bottom:22px}
  .nav{gap:8px}
  .btn{padding:13px 16px;font-size:14.5px;gap:7px}
  .btn-lg{padding:15px;font-size:15.5px}
  .topbar a{font-size:12.5px}
}

@media(max-width:380px){
  .btn{padding:11px 12px;font-size:13.5px;gap:5px}
  .btn svg{width:15px;height:15px}
  .nav{gap:6px}
  .card{padding:18px 14px}
  .content{padding:12px 10px 36px}
}

@media(max-width:340px){
  .nav{flex-direction:column-reverse;gap:8px}
  .spacer{display:none}
  #btnNext{width:100%;justify-content:center}
  #btnBack{align-self:flex-start}
}