/* Ma Banque en Ligne — stylesheet unique, léger, mobile-first */
:root{
  --navy:#0b1f3a; --navy-2:#0e2747; --ink:#13233d; --slate:#475569; --line:#e5eaf1;
  --bg:#f6f8fc; --white:#fff;
  --brand:#0a66ff; --brand-d:#0a4fd0;
  --mint:#10c98f; --mint-d:#0a9e6f;
  --amber:#ffb020;
  --radius:16px; --radius-s:11px; --shadow:0 10px 30px -12px rgba(11,31,58,.25);
  --shadow-lg:0 24px 60px -20px rgba(11,31,58,.35);
  --maxw:1140px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{line-height:1.18;color:var(--navy);font-weight:800;letter-spacing:-.02em}
.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.wrap-narrow{max-width:780px}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;border-radius:8px;z-index:99}
.grad{background:linear-gradient(100deg,var(--brand),var(--mint));-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand)}
.eyebrow-light{color:#7fe9c4}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-weight:700;font-size:.98rem;
  padding:13px 22px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;transition:.18s ease;white-space:nowrap}
.btn-primary{background:linear-gradient(100deg,var(--brand),var(--brand-d));color:#fff;box-shadow:0 8px 20px -8px rgba(10,102,255,.6)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 26px -8px rgba(10,102,255,.7)}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--navy)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-block{width:100%}
.btn-lg{padding:16px 30px;font-size:1.05rem}
.btn-yt{background:#ff0033;color:#fff}
.btn-yt:hover{transform:translateY(-2px);filter:brightness(1.05)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.header-row{display:flex;align-items:center;gap:18px;height:64px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;color:var(--navy);font-size:1.12rem;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;width:32px;height:32px;border-radius:9px;background:linear-gradient(135deg,var(--brand),var(--mint));color:#fff;font-weight:800;font-size:1.1rem}
.nav{display:flex;gap:24px;margin-left:8px}
.nav a{font-weight:600;font-size:.95rem;color:var(--slate)}
.nav a:hover{color:var(--brand)}
.nav-cta{margin-left:auto;padding:9px 18px}
.burger{display:none;margin-left:auto;background:none;border:0;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.2s}

/* Hero */
.hero{background:radial-gradient(1100px 500px at 75% -10%,rgba(16,201,143,.16),transparent 60%),linear-gradient(180deg,#fff, var(--bg));padding:62px 0 56px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero-copy h1{font-size:clamp(2.1rem,5vw,3.3rem);margin:14px 0 16px}
.lead{font-size:1.12rem;color:var(--slate);max-width:46ch}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 22px}
.trust{display:flex;gap:26px;list-style:none;flex-wrap:wrap}
.trust li{font-size:.92rem;color:var(--slate)}
.trust strong{display:block;font-size:1.5rem;color:var(--navy);font-weight:800;line-height:1.1}

/* Hero visual : carte CSS */
.hero-visual{position:relative;display:grid;place-items:center;min-height:280px}
.card-mock{width:330px;max-width:84vw;aspect-ratio:1.586;border-radius:18px;padding:22px;color:#fff;position:relative;
  background:linear-gradient(135deg,#0e2747 0%,#0a66ff 60%,#10c98f 130%);box-shadow:var(--shadow-lg);transform:rotate(-6deg)}
.cm-top{display:flex;justify-content:space-between;align-items:center}
.cm-bank{font-weight:700;letter-spacing:.02em;opacity:.95}
.cm-chip{width:38px;height:28px;border-radius:6px;background:linear-gradient(135deg,#ffd76a,#e0a93a)}
.cm-number{font-size:1.18rem;letter-spacing:.12em;margin-top:36px;font-variant-numeric:tabular-nums}
.cm-bottom{display:flex;justify-content:space-between;align-items:center;margin-top:18px;font-size:.78rem;letter-spacing:.1em;opacity:.92}
.cm-net{width:34px;height:34px;border-radius:50%;background:#fff3;border:2px solid #ffffff66}
.float-badge{position:absolute;background:#fff;color:var(--navy);font-weight:700;font-size:.88rem;padding:9px 14px;border-radius:12px;box-shadow:var(--shadow)}
.fb1{top:14px;right:2%;color:var(--amber)}
.fb2{bottom:18px;left:0;color:var(--mint-d)}

/* Sections */
.section{padding:64px 0}
.section-alt{background:linear-gradient(180deg,#fff,#fbfdff);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{text-align:center;max-width:640px;margin:0 auto 38px}
.section-head h2{font-size:clamp(1.7rem,3.6vw,2.3rem)}
.section-head p{color:var(--slate);margin-top:10px;font-size:1.05rem}

/* Banks grid */
.banks-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.bank-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;display:flex;flex-direction:column;gap:14px;box-shadow:var(--shadow);transition:.2s}
.bank-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#cfe0ff}
.bank-card.is-featured{border-color:var(--mint);box-shadow:0 16px 40px -16px rgba(16,201,143,.5)}
.ribbon{position:absolute;top:-11px;left:22px;background:linear-gradient(100deg,var(--mint),var(--mint-d));color:#fff;font-size:.74rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:5px 12px;border-radius:999px}
.bc-head{display:flex;gap:13px;align-items:flex-start}
.bc-rank{font-size:1.5rem;font-weight:800;color:#c3cee0;line-height:1}
.bc-head h3{font-size:1.3rem}
.bc-tag{color:var(--brand);font-weight:600;font-size:.9rem}
.bc-note{display:flex;align-items:center;gap:8px}
.stars{color:var(--amber);font-size:1.05rem;letter-spacing:1px}
.bc-num{font-weight:700;color:var(--navy);font-size:.95rem}
.bc-atouts{list-style:none;display:flex;flex-direction:column;gap:8px}
.bc-atouts li{position:relative;padding-left:26px;font-size:.95rem;color:var(--ink)}
.bc-atouts li::before{content:"";position:absolute;left:0;top:3px;width:17px;height:17px;border-radius:50%;
  background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/11px no-repeat}
.bc-pour{font-size:.92rem;color:var(--slate);margin-top:auto}
.micro{text-align:center;color:#94a3b8;font-size:.82rem;margin-top:24px}

/* Categories */
.cat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.cat-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;transition:.2s;display:flex;flex-direction:column;gap:8px}
.cat-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#cfe0ff}
.cat-ico{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,#eaf1ff,#e6fbf3);margin-bottom:6px;position:relative}
.cat-ico::after{content:"";position:absolute;inset:0;background:var(--brand);-webkit-mask-position:center;mask-position:center;-webkit-mask-repeat:no-repeat;mask-repeat:no-repeat;-webkit-mask-size:22px;mask-size:22px}
.ico-gift::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpolyline points='20 12 20 22 4 22 4 12'/%3E%3Crect x='2' y='7' width='20' height='5'/%3E%3Cline x1='12' y1='22' x2='12' y2='7'/%3E%3Cpath d='M12 7H7.5a2.5 2.5 0 0 1 0-5C11 2 12 7 12 7z'/%3E%3Cpath d='M12 7h4.5a2.5 2.5 0 0 0 0-5C13 2 12 7 12 7z'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpolyline points='20 12 20 22 4 22 4 12'/%3E%3Crect x='2' y='7' width='20' height='5'/%3E%3Cline x1='12' y1='22' x2='12' y2='7'/%3E%3Cpath d='M12 7H7.5a2.5 2.5 0 0 1 0-5C11 2 12 7 12 7z'/%3E%3Cpath d='M12 7h4.5a2.5 2.5 0 0 0 0-5C13 2 12 7 12 7z'/%3E%3C/svg%3E")}
.ico-phone::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Crect x='5' y='2' width='14' height='20' rx='2'/%3E%3Cline x1='12' y1='18' x2='12' y2='18'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Crect x='5' y='2' width='14' height='20' rx='2'/%3E%3Cline x1='12' y1='18' x2='12' y2='18'/%3E%3C/svg%3E")}
.ico-briefcase::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Crect x='2' y='7' width='20' height='14' rx='2'/%3E%3Cpath d='M16 21V5a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Crect x='2' y='7' width='20' height='14' rx='2'/%3E%3Cpath d='M16 21V5a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16'/%3E%3C/svg%3E")}
.ico-check::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M22 11.08V12a10 10 0 1 1-5.93-9.14'/%3E%3Cpolyline points='22 4 12 14.01 9 11.01'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M22 11.08V12a10 10 0 1 1-5.93-9.14'/%3E%3Cpolyline points='22 4 12 14.01 9 11.01'/%3E%3C/svg%3E")}
.ico-shield::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z'/%3E%3C/svg%3E")}
.ico-receipt::after{-webkit-mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M6 2h9l3 3v17l-3-2-3 2-3-2-3 2V2z'/%3E%3Cline x1='9' y1='8' x2='15' y2='8'/%3E%3Cline x1='9' y1='12' x2='15' y2='12'/%3E%3Cline x1='9' y1='16' x2='12' y2='16'/%3E%3C/svg%3E");mask-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2'%3E%3Cpath d='M6 2h9l3 3v17l-3-2-3 2-3-2-3 2V2z'/%3E%3Cline x1='9' y1='8' x2='15' y2='8'/%3E%3Cline x1='9' y1='12' x2='15' y2='12'/%3E%3Cline x1='9' y1='16' x2='12' y2='16'/%3E%3C/svg%3E")}
.cat-card h3{font-size:1.12rem}
.cat-card p{color:var(--slate);font-size:.92rem;flex:1}
.cat-link{color:var(--brand);font-weight:700;font-size:.9rem}

/* Choisir */
.choisir-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.steps{list-style:none;display:flex;flex-direction:column;gap:16px}
.steps li{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-s);padding:18px 20px}
.steps span{flex:none;width:36px;height:36px;border-radius:50%;background:linear-gradient(135deg,var(--brand),var(--mint));color:#fff;font-weight:800;display:grid;place-items:center}
.steps h3{font-size:1.08rem;margin-bottom:2px}
.steps p{color:var(--slate);font-size:.94rem}

/* YouTube section */
.section-dark{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff}
.section-dark h2{color:#fff;font-size:clamp(1.6rem,3.4vw,2.2rem)}
.lead-light{color:#b9c6db;font-size:1.08rem;max-width:46ch;margin:12px 0 24px}
.yt-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.yt-frame{position:relative;aspect-ratio:16/9;border-radius:var(--radius);background:linear-gradient(135deg,#16335c,#0a66ff44),#0e2747;display:grid;place-items:center;box-shadow:var(--shadow-lg);overflow:hidden}
.yt-play{width:74px;height:74px;border-radius:50%;background:#ff0033;color:#fff;display:grid;place-items:center;font-size:1.6rem;box-shadow:0 10px 30px rgba(255,0,51,.5)}
.yt-cap{position:absolute;bottom:0;left:0;right:0;padding:14px 16px;font-size:.88rem;background:linear-gradient(0deg,#000a,transparent);color:#fff}

/* FAQ */
.faq{display:flex;flex-direction:column;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-s);padding:4px 20px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:13px;font-size:1.5rem;font-weight:400;color:var(--brand);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq-a{padding:0 0 18px;color:var(--slate)}

/* Final CTA */
.final-cta{text-align:center;padding:70px 0;background:radial-gradient(700px 300px at 50% 0,rgba(10,102,255,.1),transparent),var(--bg)}
.final-cta h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}
.final-cta p{color:var(--slate);margin:12px 0 24px;font-size:1.08rem}

/* Footer */
.site-footer{background:var(--navy);color:#cdd8ea;padding:54px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
.brand-foot .brand-name{color:#fff}
.foot-base{color:#9fb0cb;font-size:.92rem;margin-top:12px;max-width:34ch}
.site-footer h4{color:#fff;font-size:.92rem;margin-bottom:12px;text-transform:uppercase;letter-spacing:.06em}
.site-footer nav a{display:block;color:#aebcd6;padding:5px 0;font-size:.94rem}
.site-footer nav a:hover{color:#fff}
.foot-legal{border-top:1px solid #1d3a5e;margin-top:34px;padding-top:18px}
.foot-legal p{color:#8295b4;font-size:.82rem;line-height:1.6}

/* ---- Responsive ---- */
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:30px}
  .hero-visual{order:-1;min-height:230px}
  .banks-grid{grid-template-columns:repeat(2,1fr)}
  .cat-grid{grid-template-columns:repeat(2,1fr)}
  .choisir-grid,.yt-grid{grid-template-columns:1fr;gap:28px}
}
@media(max-width:760px){
  .nav,.nav-cta{display:none}
  .burger{display:flex}
  .site-header.open .nav{display:flex;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:14px 20px;gap:6px}
  .site-header.open .nav a{padding:10px 0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
  .banks-grid,.cat-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .trust{gap:18px}
  .section{padding:48px 0}
}