/* BuyMonth Finance — feuille de style commune
   Concept : même famille que BuyMonth (marine, Fraunces / Montserrat),
   le vert est remplacé par l'or sable pour signaler l'entité crédit. */
:root {
  --navy: #183b5e;
  --navy-deep: #0f2a45;
  --gold: #c4a15a;
  --gold-soft: #ead9b2;
  --gold-ink: #8a6a2b;      /* or lisible sur fond clair (texte) */
  --paper: #f8f7f3;
  --surface: #ffffff;
  --ink: #1b2733;
  --muted: #5b6774;
  --line: #e2ddd1;
  --todo-bg: #fff3c4;
  --todo-ink: #6b4e00;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Montserrat", "Segoe UI", Helvetica, Arial, sans-serif;
  --radius: 10px;
  --wrap: 1120px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --navy: #9fbadb; --navy-deep: #0c1b2b; --gold: #d4b26b; --gold-soft: #3a3120;
    --gold-ink: #e0c27f; --paper: #0f1720; --surface: #16212d; --ink: #e8edf2;
    --muted: #a3b0bd; --line: #2a3745; --todo-bg: #4a3b10; --todo-ink: #ffe28a;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --navy: #9fbadb; --navy-deep: #0c1b2b; --gold: #d4b26b; --gold-soft: #3a3120;
  --gold-ink: #e0c27f; --paper: #0f1720; --surface: #16212d; --ink: #e8edf2;
  --muted: #a3b0bd; --line: #2a3745; --todo-bg: #4a3b10; --todo-ink: #ffe28a;
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--font-body); font-size: 16px; line-height: 1.6;
}
img, svg { max-width: 100%; }
a { color: var(--navy); }
a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }

.wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: 20px; }
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; color: var(--navy); line-height: 1.15; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.2rem; }
p { margin: 0; }
.eyebrow { font-size: .75rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-ink); }
.lead { font-size: 1.125rem; color: var(--muted); max-width: 60ch; }

/* Éléments à compléter : bien visibles tant que le contenu n'est pas validé */
.todo { background: var(--todo-bg); color: var(--todo-ink); padding: 0 .3em; border-radius: 3px; font-weight: 600; }

/* En-tête */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 10; background: color-mix(in srgb, var(--paper) 92%, transparent); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 12px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand svg { width: 38px; height: 38px; flex: none; }
.brand-name { display: flex; flex-direction: column; line-height: 1; }
.brand-name b { font-family: var(--font-body); font-weight: 600; font-size: 1.2rem; color: var(--navy); letter-spacing: -.01em; }
.brand-name b span { color: var(--gold); }
.brand-name small { font-size: .62rem; font-weight: 700; letter-spacing: .32em; color: var(--muted); margin-top: 4px; }
.nav { display: flex; align-items: center; gap: 22px; font-size: .9rem; font-weight: 500; }
.nav a { text-decoration: none; color: var(--ink); }
.nav a:hover { color: var(--gold-ink); }
@media (max-width: 820px) { .nav a:not(.btn) { display: none; } }

/* Boutons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 20px; border-radius: 999px; font-weight: 600; font-size: .95rem; text-decoration: none; border: 2px solid transparent; cursor: pointer; font-family: var(--font-body); }
.btn-primary { background: var(--navy); color: var(--paper); }
.btn-primary:hover { background: var(--navy-deep); color: #fff; }
.btn-ghost { border-color: var(--line); color: var(--navy); background: transparent; }
.btn-ghost:hover { border-color: var(--gold); }
.nav .btn { padding: 9px 16px; font-size: .85rem; }

/* Hero */
.hero { padding-block: 64px 56px; }
.hero .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.hero-copy { display: grid; gap: 22px; min-width: 0; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-note { font-size: .85rem; color: var(--muted); }
@media (max-width: 880px) { .hero .wrap { grid-template-columns: 1fr; gap: 40px; } .hero { padding-block: 40px; } }

/* Fiche dossier (visuel du hero) */
.dossier { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 22px; box-shadow: 0 18px 40px -24px rgba(15, 42, 69, .35); display: grid; gap: 16px; min-width: 0; }
.dossier-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.dossier-head strong { font-family: var(--font-display); font-size: 1.15rem; color: var(--navy); }
.tag { font-size: .7rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); border: 1px solid var(--line); border-radius: 999px; padding: 3px 9px; }
.dossier ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.dossier li { display: grid; grid-template-columns: 26px 1fr auto; gap: 10px; align-items: center; font-size: .92rem; }
.dot { width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; font-size: .75rem; font-weight: 700; }
.dot.ok { background: var(--navy); color: var(--paper); }
.dot.wip { background: var(--gold-soft); color: var(--gold-ink); border: 2px solid var(--gold); }
.dot.next { border: 2px solid var(--line); color: var(--muted); }
.state { font-size: .78rem; color: var(--muted); font-variant-numeric: tabular-nums; }
.bar { height: 6px; background: var(--line); border-radius: 99px; overflow: hidden; }
.bar i { display: block; height: 100%; width: 58%; background: linear-gradient(90deg, var(--navy), var(--gold)); }
.dossier-foot { font-size: .78rem; color: var(--muted); border-top: 1px dashed var(--line); padding-top: 12px; }

/* Bandeau "vous venez d'une annonce" */
.from-bm { background: var(--navy); color: #eef2f6; }
.from-bm .wrap { display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: center; padding-block: 26px; }
.from-bm p { max-width: 75ch; font-size: .98rem; }
.from-bm strong { color: var(--gold); font-weight: 600; }
.from-bm .badge { font-family: var(--font-display); font-size: 1.6rem; color: var(--gold); }
:root[data-theme="dark"] .from-bm { background: var(--navy-deep); }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .from-bm { background: var(--navy-deep); } }
@media (max-width: 640px) { .from-bm .wrap { grid-template-columns: 1fr; gap: 6px; } }

/* Sections */
section.block { padding-block: 72px; }
section.block + section.block { border-top: 1px solid var(--line); }
.section-head { display: grid; gap: 12px; margin-bottom: 36px; max-width: 70ch; }

/* Étapes : une vraie séquence, donc numérotée */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; }
.steps li { counter-increment: step; padding: 0 22px 0 0; display: grid; gap: 10px; align-content: start; position: relative; min-width: 0; }
.steps li::before { content: counter(step); font-family: var(--font-display); font-size: 2.4rem; color: var(--gold); line-height: 1; }
.steps li::after { content: ""; position: absolute; top: 18px; left: 44px; right: 22px; height: 1px; background: var(--line); }
.steps li:last-child::after { display: none; }
.steps p { color: var(--muted); font-size: .95rem; }
.steps .who { font-size: .75rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--navy); }
@media (max-width: 880px) { .steps { grid-template-columns: 1fr 1fr; row-gap: 36px; } .steps li::after { display: none; } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }

/* Pièces à préparer */
.docs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.docs article { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: grid; gap: 12px; align-content: start; min-width: 0; }
.docs ul { margin: 0; padding-left: 1.1em; color: var(--muted); font-size: .93rem; display: grid; gap: 6px; }
.docs h3 { font-size: 1.1rem; }
.docs-note { margin-top: 20px; font-size: .9rem; color: var(--muted); }
@media (max-width: 880px) { .docs { grid-template-columns: 1fr; } }

/* Engagements */
.pillars { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px 48px; }
.pillars div { display: grid; gap: 8px; border-left: 2px solid var(--gold); padding-left: 18px; min-width: 0; }
.pillars p { color: var(--muted); font-size: .95rem; }
@media (max-width: 720px) { .pillars { grid-template-columns: 1fr; } }

/* Zone formulaire Tally */
.form-zone { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 28px; display: grid; gap: 18px; }
.form-placeholder { border: 2px dashed var(--gold); border-radius: var(--radius); padding: 28px; text-align: center; display: grid; gap: 10px; justify-items: center; color: var(--muted); }
.form-placeholder strong { color: var(--navy); font-family: var(--font-display); font-size: 1.2rem; }
.consent-note { font-size: .85rem; color: var(--muted); }

/* FAQ */
.faq { display: grid; gap: 10px; max-width: 820px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; }
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold-ink); font-size: 1.3rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin-top: 10px; color: var(--muted); }

/* Contact */
.contact { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.contact-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: grid; gap: 6px; }
.contact-card .name { font-family: var(--font-display); font-size: 1.3rem; color: var(--navy); }
.contact-card .role { color: var(--muted); font-size: .9rem; margin-bottom: 10px; }
@media (max-width: 720px) { .contact { grid-template-columns: 1fr; } }

/* Avertissement crédit */
.warning { background: var(--gold-soft); color: var(--ink); text-align: center; padding-block: 14px; font-weight: 600; font-size: .95rem; }

/* Pied de page */
.site-footer { background: var(--navy-deep); color: #c9d3dd; padding-block: 44px 28px; font-size: .85rem; }
.site-footer .wrap { display: grid; gap: 22px; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 32px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 20px; }
.legal-id { max-width: 80ch; }
.copyright { border-top: 1px solid rgba(255,255,255,.12); padding-top: 18px; color: #94a3b2; }
@media (max-width: 720px) { .footer-grid { grid-template-columns: 1fr; } }

/* Pages juridiques */
.legal { padding-block: 56px 72px; }
.legal .wrap { max-width: 820px; display: grid; gap: 28px; }
.legal h2 { font-size: 1.35rem; margin-top: 12px; }
.legal p, .legal li { color: var(--ink); }
.legal ul { margin: 0; padding-left: 1.2em; display: grid; gap: 6px; }
.legal .meta { color: var(--muted); font-size: .9rem; }
.legal table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.legal th, .legal td { text-align: left; border-bottom: 1px solid var(--line); padding: 10px 8px; vertical-align: top; }
.legal th { color: var(--navy); }
.table-scroll { overflow-x: auto; }
.nav a.btn-primary, .nav a.btn-primary:hover { color: var(--paper); }