@font-face{font-family:'Aptos';src:local('Aptos')}
*{margin:0;padding:0;box-sizing:border-box}
:root{--aub:#6B2D3E;--dk:#4A1E2B;--lt:#F8EEF1;--bl:#3D5A80;--bll:#EAF0F7;--rg:#8B1A1A;--rm:#A93226;--or:#9A6E00;--bg:#FAFAF8;--wh:#fff;--gr:#F3F1ED;--tx:#1C1C1C;--mu:#4A4A4A;--bd:#D8D2C8;--ra:12px}
html{scroll-behavior:smooth;font-family:'Aptos','Segoe UI',sans-serif;font-size:16px}
body{background:var(--bg);color:var(--tx);line-height:1.7}

/* NAV */
nav{position:sticky;top:0;z-index:200;background:rgba(255,255,255,0.98);backdrop-filter:blur(10px);border-bottom:1px solid var(--bd);padding:0 2rem}
.ni{max-width:1140px;margin:auto;display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-size:1.05rem;font-weight:800;color:var(--dk)}.logo span{color:var(--bl)}
.nl{display:flex;gap:2rem;list-style:none}
.nl a{text-decoration:none;color:var(--rg);font-size:14px;font-weight:700}
.nl a:hover{color:var(--aub)}
.nc{background:var(--aub);color:#fff;padding:9px 20px;border-radius:8px;font-size:13.5px;font-weight:700;text-decoration:none}
.bur{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px}
.bur span{display:block;width:24px;height:2px;background:var(--aub);border-radius:2px}
.mm{display:none;position:fixed;inset:62px 0 0 0;background:#fff;z-index:199;padding:2rem;flex-direction:column;gap:1rem;border-top:1px solid var(--bd)}
.mm.open{display:flex}
.mm a{font-size:16px;font-weight:700;color:var(--rg);text-decoration:none;padding:10px 0;border-bottom:1px solid var(--bd)}

/* CABINET */
.divider{display:flex;align-items:center;gap:12px;width:min(220px,55%);margin:10px auto}
.divider::before,.divider::after{content:'';flex:1;height:1px;background:linear-gradient(90deg,transparent,#c8a0a8)}
.divider::after{background:linear-gradient(90deg,#c8a0a8,transparent)}
.divider i{width:5px;height:5px;background:var(--aub);border-radius:50%;flex-shrink:0}
.ch{background:linear-gradient(180deg,#fff 0%,#faf2f4 100%);border-bottom:2px solid #c8a0a8;padding:40px 2rem 32px;text-align:center;position:relative}
.ch::before{content:'';position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--rg),var(--aub),var(--bl))}
.ct{font-size:clamp(1.8rem,5vw,3.2rem);font-weight:700;color:var(--rg);letter-spacing:2.5px;text-transform:uppercase}
.cs{font-size:clamp(1rem,2.5vw,1.5rem);color:var(--rm);margin:10px 0 6px;font-weight:600;letter-spacing:4px}
.cd{font-size:clamp(.9rem,1.8vw,1.1rem);color:var(--bl);font-weight:700;margin-bottom:18px;font-style:italic}
.csv{display:flex;justify-content:center;flex-wrap:wrap;margin-top:20px}
.csv span{font-size:13.5px;font-weight:700;color:var(--dk);padding:6px 22px;border-left:1px solid #c8a0a8;text-transform:uppercase}
.csv span:first-child{border-left:none}

/* HERO */
.hero{background:linear-gradient(135deg,var(--dk) 0%,#3a1828 50%,var(--bl) 100%);color:#fff;padding:72px 2rem 88px;text-align:center;position:relative;overflow:hidden}
.hb{display:inline-flex;flex-direction:column;align-items:center;background:rgba(212,172,58,0.18);border:1px solid rgba(212,172,58,0.4);color:#D4AC3A;padding:14px 26px;border-radius:18px;margin-bottom:24px}
.hbf{font-size:1.8rem;line-height:1;margin-bottom:6px}
.hbt{font-size:12.5px;font-weight:700;text-transform:uppercase}
.hero h1{font-size:clamp(1.8rem,4.5vw,2.9rem);font-weight:600;line-height:1.2;margin-bottom:18px;max-width:700px;margin-left:auto;margin-right:auto}
.hero h1 em{color:#D4AC3A;font-style:normal}
.hero p{font-size:1.05rem;color:rgba(255,255,255,0.82);max-width:560px;margin:0 auto 36px;line-height:1.75}
.hbtns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.bp{background:var(--rm);color:#fff;padding:14px 30px;border-radius:10px;text-decoration:none;font-weight:700;font-size:15px}
.bo{background:rgba(255,255,255,0.1);color:#fff;padding:14px 30px;border-radius:10px;text-decoration:none;font-weight:700;font-size:15px;border:2px solid rgba(255,255,255,0.4)}
.hst{display:flex;gap:48px;justify-content:center;margin-top:56px;flex-wrap:wrap}
.st strong{display:block;font-size:2rem;font-weight:800;color:#D4AC3A}
.st span{font-size:13px;color:rgba(255,255,255,0.65);display:block}

/* EXPERT */
.eb{background:var(--bll);border-bottom:1px solid #C0D0E2;padding:22px 2rem}
.ebi{max-width:1140px;margin:auto;text-align:center}
.ebi strong{font-size:18px;font-weight:800;color:var(--dk);display:block;margin-bottom:4px}
.ebi span{font-size:15px;color:var(--mu)}
.etgs{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px;justify-content:center}
.etg{font-size:13.5px;background:#fff;border:1px solid #C0D0E2;padding:5px 14px;border-radius:30px;color:var(--bl);font-weight:600}

/* SECTIONS */
.sec{padding:72px 2rem}
.si{max-width:1140px;margin:auto}
.sec h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:600;margin-bottom:10px;color:var(--rg)}
.sec .sub{font-size:1rem;color:var(--mu);max-width:620px;margin-bottom:38px;line-height:1.75}
.alt{background:var(--gr)}

/* TABS */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:32px}
.tb{padding:12px 20px;font-size:13.5px;font-weight:700;cursor:pointer;color:var(--dk);border:2px solid var(--bd);background:var(--wh);border-radius:24px;font-family:inherit;transition:all .18s;box-shadow:0 1px 4px rgba(0,0,0,.04)}
.tb:hover{border-color:var(--aub);color:var(--aub);transform:translateY(-1px)}
.tb.on{color:#fff;background:var(--aub);border-color:var(--aub);box-shadow:0 3px 10px rgba(107,45,62,.3)}
.pn{display:none}.pn.on{display:block}

/* FICHES */
.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(310px,1fr));gap:18px}
.fi{background:var(--wh);border:1px solid var(--bd);border-left:4px solid var(--aub);border-radius:0 var(--ra) var(--ra) 0;padding:20px 22px;transition:box-shadow .2s,transform .2s;box-shadow:0 2px 12px rgba(74,30,43,0.07)}
.fi:hover{box-shadow:0 6px 24px rgba(74,30,43,0.13);transform:translateY(-2px)}
.fi.bl{border-left-color:var(--bl)}.fi.or{border-left-color:var(--or)}
.fi h4{font-size:14.5px;font-weight:800;margin-bottom:10px;color:var(--dk);line-height:1.35}
.fi p{font-size:14px;color:var(--mu);line-height:1.75;margin-bottom:6px}
.fi .ref{font-size:12px;color:var(--aub);font-style:italic}
.bx{background:#f7f3f0;border:1px solid #E5DDD6;border-radius:8px;padding:14px 16px;margin-top:12px;font-size:13.5px;line-height:1.65}
.bx strong{color:var(--dk);display:block;margin-bottom:5px;font-size:12px;text-transform:uppercase;letter-spacing:.3px}
.bdg{font-size:11.5px;font-weight:700;padding:3px 9px;border-radius:4px;background:var(--lt);color:var(--aub)}
.bdg.bl{background:var(--bll);color:var(--bl)}.bdg.or{background:#FDF6E3;color:var(--or)}

/* TABLES */
.tw{overflow-x:auto;margin-top:12px;border-radius:var(--ra)}
.st2{width:100%;border-collapse:collapse;font-size:14px}
.st2 th{background:var(--dk);color:#fff;padding:12px 14px;text-align:left;font-size:12.5px;font-weight:700}
.st2 td{padding:11px 14px;border-bottom:1px solid var(--bd);vertical-align:top;line-height:1.6}
.st2 tr:nth-child(even) td{background:#fafaf8}
.rc{color:var(--mu);font-size:12.5px;white-space:nowrap;font-weight:600}

/* CTA */
.cta{background:var(--wh);border:1px solid var(--bd);border-left:4px solid var(--aub);border-radius:var(--ra);padding:30px 36px;margin-top:40px;display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;box-shadow:0 2px 12px rgba(74,30,43,0.06)}
.cta h3{font-size:1.1rem;font-weight:600;margin-bottom:5px;color:var(--dk)}
.cta p{font-size:14px;color:var(--mu)}
.cta a{background:var(--aub);color:#fff;padding:12px 26px;border-radius:8px;text-decoration:none;font-weight:600;font-size:14px;white-space:nowrap}

/* CARDS */
.cg{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px}
.card{background:var(--wh);border:1px solid var(--bd);border-top:4px solid var(--aub);border-radius:var(--ra);padding:26px;transition:box-shadow .2s,transform .2s;box-shadow:0 2px 12px rgba(74,30,43,0.07)}
.card:hover{box-shadow:0 6px 24px rgba(74,30,43,0.13);transform:translateY(-3px)}
.card.bl{border-top-color:var(--bl)}
.card h3{font-size:1.05rem;font-weight:800;margin-bottom:10px;color:var(--dk)}
.card p{font-size:14px;color:var(--mu);line-height:1.7}
.card ul{margin-top:10px;padding-left:16px;font-size:14px;color:var(--mu);line-height:2}

/* CREATION LAYOUT (cards left stacked, devis box right) */
.creation-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:stretch;margin-top:0}
.creation-cards{display:flex;flex-direction:column;gap:22px}
.creation-cards .card{flex:1}
.devis-box{background:var(--wh);border:1px solid var(--bd);border-top:4px solid var(--rm);border-radius:var(--ra);padding:26px;box-shadow:0 2px 12px rgba(74,30,43,0.07);display:flex;flex-direction:column}

/* FOOTER */
footer{background:var(--dk);color:rgba(255,255,255,0.65);padding:44px 2rem 26px;text-align:center}
.fl{color:#fff;font-size:1.1rem;font-weight:800;display:block;margin-bottom:8px}
.fl span{color:#D4AC3A}
footer p{font-size:14px;margin-bottom:18px;line-height:1.8}
.lks{display:flex;gap:20px;justify-content:center;flex-wrap:wrap}
.lks a{color:rgba(255,255,255,0.55);text-decoration:none;font-size:13.5px;font-weight:600}
.lks a:hover{color:#D4AC3A}
footer hr{border:none;border-top:1px solid rgba(255,255,255,0.12);margin:20px auto;max-width:600px}
.cp{font-size:12.5px;color:rgba(255,255,255,0.4)}

.sct{position:fixed;bottom:24px;right:24px;width:44px;height:44px;background:var(--aub);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:18px;box-shadow:0 4px 16px rgba(0,0,0,0.25);opacity:0;transition:opacity .3s;z-index:99}
.sct.v{opacity:1}

@media(max-width:768px){
  .nl,.nc{display:none}.bur{display:flex}
  .ch{padding:32px 1.25rem 24px}
  .ct{letter-spacing:1.2px}
  .sec{padding:52px 1.5rem}.hero{padding:52px 1.5rem 64px}
  .cta{flex-direction:column;text-align:center}
  .fg,.cg{grid-template-columns:1fr}
  .tb{padding:8px 10px;font-size:12.5px}
  .csv span{font-size:12px;padding:4px 12px}
  .creation-layout{grid-template-columns:1fr}
}

/* PAGES PAYS — bandeau d'en-tête */
.pch{background:linear-gradient(135deg,var(--dk) 0%,#3a1828 50%,var(--bl) 100%);color:#fff;padding:52px 2rem 46px;text-align:center}
.pch .crumb{font-size:12.5px;color:rgba(255,255,255,.6);margin-bottom:14px}
.pch .crumb a{color:rgba(255,255,255,.75);text-decoration:none}
.pch .crumb a:hover{color:#D4AC3A}
.pch h1{font-size:clamp(1.6rem,4vw,2.5rem);font-weight:600;margin-bottom:14px}
.pch h1 em{color:#D4AC3A;font-style:normal}
.pch p{font-size:.95rem;color:rgba(255,255,255,.8);max-width:640px;margin:0 auto;line-height:1.75}
.pch .conv{display:inline-block;margin-top:18px;font-size:12.5px;color:rgba(255,255,255,.55);border-top:1px solid rgba(255,255,255,.2);padding-top:12px}

/* INDEX INVESTISSEURS — grille de pays */
.pg{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.pcard{background:var(--wh);border:1px solid var(--bd);border-top:4px solid var(--aub);border-radius:var(--ra);padding:24px;text-decoration:none;display:block;transition:box-shadow .2s,transform .2s;box-shadow:0 2px 12px rgba(74,30,43,0.07)}
.pcard:hover{box-shadow:0 6px 24px rgba(74,30,43,0.13);transform:translateY(-3px)}
.pcard .flag{font-size:1.8rem;margin-bottom:10px;display:block}
.pcard h3{font-size:1.05rem;font-weight:800;color:var(--dk);margin-bottom:8px}
.pcard p{font-size:13.5px;color:var(--mu);line-height:1.65}
.pcard .go{display:inline-block;margin-top:12px;font-size:13px;font-weight:700;color:var(--aub)}

/* liens croisés bas de page pays */
.xlinks{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.xlinks a{font-size:13px;font-weight:700;color:var(--bl);background:var(--bll);padding:7px 14px;border-radius:20px;text-decoration:none}
.xlinks a:hover{background:#dbe6f2}


/* ONGLETS DE NAVIGATION — façon classeur, colonne fixe à droite */
.pagetabs{position:fixed;top:50%;right:0;transform:translateY(-50%);z-index:900;display:flex;flex-direction:column;gap:6px}
.pagetabs a{writing-mode:vertical-rl;text-orientation:mixed;color:#fff;font-weight:800;font-size:13px;letter-spacing:.5px;padding:16px 8px;border-radius:10px 0 0 10px;text-decoration:none;box-shadow:-2px 3px 10px rgba(0,0,0,.15);transition:transform .18s,padding-right .18s;white-space:nowrap}
.pagetabs a:hover{transform:translateX(-6px)}
.pagetabs a.cur{transform:translateX(-14px);box-shadow:-3px 4px 14px rgba(0,0,0,.25)}
.pagetabs a.t-accueil{background:var(--dk)}
.pagetabs a.t-obligations{background:var(--aub)}
.pagetabs a.t-creation{background:var(--bl)}
.pagetabs a.t-investisseurs{background:var(--or)}
.pagetabs a.t-faq{background:var(--rg)}
@media (max-width:860px){.pagetabs{display:none}}
.sec-tight{padding-top:32px!important;padding-bottom:32px!important}