:root {
    --blue: #0b3d91;
    --blue-dark: #082c6b;
    --blue-light: #2563eb;
    --orange: #f97316;
    --green: #059669;
    --red: #dc2626;
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-500: #64748b;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;
    --white: #ffffff;
    --yellow: #fde68a;
    --radius: 10px;
    --shadow: 0 1px 3px rgba(0,0,0,.08), 0 4px 12px rgba(0,0,0,.04);
    --shadow-lg: 0 12px 32px rgba(0,0,0,.18), 0 4px 10px rgba(0,0,0,.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    font-size: 16px;
    line-height: 1.65;
    color: var(--gray-800);
    background: var(--gray-50);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    font-feature-settings: 'cv11', 'ss01', 'ss03';
}
h1, h2, h3, h4, .logo { font-family: 'Plus Jakarta Sans', 'Inter', -apple-system, sans-serif; letter-spacing: -.015em; }
h1 { letter-spacing: -.02em; }
a { color: var(--blue-light); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1120px; margin: 0 auto; padding: 0 1rem; }

h1, h2, h3, h4 { color: var(--gray-900); line-height: 1.25; margin: 0 0 .75rem; font-weight: 700; }
h1 { font-size: clamp(1.75rem, 4vw, 2.6rem); }
h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }

/* ── Header ── */
.site-header {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 1px 3px rgba(0,0,0,.04);
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: .875rem 1rem;
    gap: 1.5rem;
}
.logo {
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--blue);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: .55rem;
    letter-spacing: -.02em;
}
.logo-mark {
    width: 34px;
    height: 34px;
    display: inline-block;
    flex-shrink: 0;
}
.logo-text { white-space: nowrap; }
.logo-tld { color: var(--orange); margin-left: 0; }
.footer-logo .logo-mark { width: 30px; height: 30px; }
.footer-logo { display: flex; align-items: center; gap: .55rem; font-size: 1.15rem; font-weight: 700; color: var(--white); margin-bottom: .75rem; }

.main-nav ul {
    display: flex;
    gap: 1.5rem;
    list-style: none;
    padding: 0;
    margin: 0;
    align-items: center;
}
.main-nav a {
    color: var(--gray-700);
    font-weight: 500;
    font-size: .95rem;
    padding: .375rem 0;
    text-decoration: none;
}
.main-nav a:hover { color: var(--blue); }
.main-nav .nav-cta {
    background: var(--orange);
    color: var(--white);
    padding: .5rem 1rem;
    border-radius: 6px;
}
.main-nav .nav-cta:hover { background: #ea6b0a; color: var(--white); }

.has-submenu { position: relative; }
.main-nav .submenu {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: .5rem;
    display: none;
    min-width: 200px;
    flex-direction: column;
    gap: 0;
}
.main-nav .has-submenu:hover .submenu,
.main-nav .has-submenu:focus-within .submenu { display: flex; }
.main-nav .submenu li { width: 100%; }
.main-nav .submenu a {
    display: block;
    padding: .5rem .75rem;
    border-radius: 6px;
    font-size: .9rem;
}
.main-nav .submenu a:hover { background: var(--gray-100); }

.nav-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--gray-800);
}

/* ── Breadcrumb ── */
.breadcrumb {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    font-size: .85rem;
}
.breadcrumb ol {
    list-style: none;
    padding: .625rem 0;
    margin: 0;
    display: flex;
    gap: .5rem;
    flex-wrap: wrap;
    color: var(--gray-500);
}
.breadcrumb li:not(:last-child)::after { content: "›"; margin-left: .5rem; color: var(--gray-300); }
.breadcrumb a { color: var(--gray-500); }
.breadcrumb a:hover { color: var(--blue); }
.breadcrumb li:last-child span { color: var(--gray-800); font-weight: 500; }

/* ── Hero ── */
.hero {
    background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 55%, #1e40af 100%);
    color: var(--white);
    padding: 3.5rem 0 3rem;
    text-align: center;
}
.hero h1 { color: var(--white); margin-bottom: 1rem; }
.hero h1 .accent { color: var(--orange); }
.hero-sub { opacity: .92; font-size: 1.1rem; max-width: 680px; margin: 0 auto 2rem; }

.hero-stats {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1rem;
    max-width: 860px;
    margin: 0 auto;
}
.hero-stat {
    background: rgba(255,255,255,.1);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255,255,255,.15);
    padding: 1.25rem 1rem;
    border-radius: var(--radius);
    text-align: left;
}
.hero-stat .label { font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; opacity: .8; }
.hero-stat .value { font-size: 1.75rem; font-weight: 700; color: var(--orange); margin: .25rem 0; font-variant-numeric: tabular-nums; }
.hero-stat .meta { font-size: .82rem; opacity: .75; }

/* ── Sections ── */
.section { padding: 3.5rem 0; }
.section.alt { background: var(--white); border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200); }
.section-title { text-align: center; margin-bottom: .5rem; }
.section-lead { text-align: center; color: var(--gray-500); margin-bottom: 2.5rem; font-size: 1.05rem; max-width: 640px; margin-left: auto; margin-right: auto; }

/* ── Cards grid ── */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 1.25rem;
}
.card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.5rem;
    transition: all .15s ease;
    display: block;
    color: inherit;
    text-decoration: none;
    box-shadow: var(--shadow);
}
.card:hover {
    border-color: var(--blue-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
    text-decoration: none;
}
/* card-icon unifié pour SVG + emoji fallback */
.card h3 { margin-bottom: .5rem; color: var(--gray-900); }
.card p { color: var(--gray-500); font-size: .92rem; margin-bottom: 1rem; }
.card-meta { display: flex; gap: .5rem; flex-wrap: wrap; }

.badge {
    display: inline-block;
    padding: .25rem .625rem;
    border-radius: 999px;
    font-size: .78rem;
    font-weight: 600;
    white-space: nowrap;
}
.badge-blue { background: #dbeafe; color: #1e40af; }
.badge-green { background: #d1fae5; color: #065f46; }
.badge-orange { background: #ffedd5; color: #9a3412; }
.badge-gray { background: var(--gray-100); color: var(--gray-700); }

/* ── Tables ── */
.table-wrap { overflow-x: auto; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--gray-200); }
table.data {
    width: 100%;
    border-collapse: collapse;
    font-size: .93rem;
}
table.data th, table.data td {
    padding: .75rem 1rem;
    text-align: left;
    border-bottom: 1px solid var(--gray-200);
}
table.data thead th {
    background: var(--gray-50);
    font-weight: 600;
    color: var(--gray-700);
    font-size: .82rem;
    text-transform: uppercase;
    letter-spacing: .03em;
    border-bottom: 2px solid var(--gray-200);
}
table.data tbody tr:hover { background: var(--gray-50); }
table.data tbody tr:last-child td { border-bottom: none; }
table.data .taux { font-weight: 700; color: var(--blue); font-variant-numeric: tabular-nums; }
table.data .numeric { text-align: right; font-variant-numeric: tabular-nums; }

/* ── Buttons ── */
.btn {
    display: inline-block;
    padding: .75rem 1.5rem;
    border-radius: 8px;
    font-weight: 600;
    text-decoration: none;
    border: 2px solid transparent;
    cursor: pointer;
    font-size: .95rem;
    transition: all .15s ease;
}
.btn-primary { background: var(--orange); color: var(--white); }
.btn-primary:hover { background: #ea6b0a; text-decoration: none; color: var(--white); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.1); text-decoration: none; color: var(--white); }
.btn-blue { background: var(--blue); color: var(--white); }
.btn-blue:hover { background: var(--blue-dark); text-decoration: none; color: var(--white); }

/* ── Simulator ── */
.simulator {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 2rem;
    box-shadow: var(--shadow-lg);
    max-width: 860px;
    margin: 0 auto;
}
.simulator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}
.sim-inputs { display: grid; gap: 1.25rem; }
.sim-field label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-700); margin-bottom: .375rem; }
.sim-field input, .sim-field select {
    width: 100%;
    padding: .625rem .875rem;
    border: 1px solid var(--gray-300);
    border-radius: 6px;
    font-size: 1rem;
    font-variant-numeric: tabular-nums;
    background: var(--white);
    color: var(--gray-900);
}
.sim-field input:focus, .sim-field select:focus { outline: 2px solid var(--blue-light); outline-offset: -1px; border-color: var(--blue-light); }
.sim-field .hint { font-size: .75rem; color: var(--gray-500); margin-top: .25rem; }

.sim-result {
    background: linear-gradient(135deg, var(--blue-dark), var(--blue));
    color: var(--white);
    border-radius: var(--radius);
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
}
.sim-result .result-label { font-size: .85rem; opacity: .85; text-transform: uppercase; letter-spacing: .05em; }
.sim-result .result-value { font-size: 2.5rem; font-weight: 800; color: var(--orange); margin: .25rem 0; font-variant-numeric: tabular-nums; }
.sim-result .result-detail { font-size: .95rem; opacity: .9; margin-top: .75rem; line-height: 1.5; }
.sim-result .result-detail strong { color: var(--orange); }

/* ── Chart ── */
.chart-wrap {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.5rem;
    box-shadow: var(--shadow);
}
.chart-wrap h3 { margin-top: 0; }
.chart-canvas-box {
    position: relative;
    height: 420px;
    width: 100%;
}
@media (max-width: 600px) { .chart-canvas-box { height: 340px; } }
#chart-historique { position: absolute; inset: 0; width: 100% !important; height: 100% !important; }

/* ── Prose ── */
.prose { max-width: 780px; margin: 0 auto; font-size: 1.02rem; }
.prose h2 { margin-top: 2.5rem; }
.prose h3 { margin-top: 1.75rem; }
.prose ul, .prose ol { margin-bottom: 1.25rem; padding-left: 1.5rem; }
.prose li { margin-bottom: .375rem; }
.prose blockquote {
    border-left: 4px solid var(--orange);
    padding: .5rem 0 .5rem 1rem;
    margin: 1.5rem 0;
    color: var(--gray-700);
    font-style: italic;
    background: var(--gray-50);
}

/* ── Glossaire ── */
.gloss-nav { display: flex; flex-wrap: wrap; gap: .4rem; padding: 1rem; background: var(--gray-50); border-radius: var(--radius); margin-bottom: 2rem; justify-content: center; }
.gloss-nav a { display: inline-block; padding: .35rem .65rem; background: var(--white); border: 1px solid var(--gray-200); border-radius: 6px; color: var(--blue-dark); text-decoration: none; font-weight: 700; font-size: .9rem; }
.gloss-nav a:hover { background: var(--blue); color: var(--white); border-color: var(--blue); }
.gloss-list { margin: 0; padding: 0; }
.gloss-letter { font-size: 1.6rem; color: var(--blue); margin: 2rem 0 .75rem; padding-bottom: .25rem; border-bottom: 3px solid var(--orange); font-weight: 800; }
.gloss-entry { padding: 1rem 0; border-bottom: 1px solid var(--gray-100); scroll-margin-top: 80px; }
.gloss-entry dt { font-weight: 700; color: var(--blue-dark); font-size: 1.1rem; margin-bottom: .35rem; }
.gloss-entry dd { margin: 0; color: var(--gray-700); line-height: 1.6; }
.gloss-related { margin: .5rem 0 0; }
.gloss-related a { font-size: .85rem; color: var(--orange); text-decoration: none; font-weight: 600; }
.gloss-related a:hover { color: var(--blue); text-decoration: underline; }

/* ── Sub-section titles ── */
.subsection-title {
    font-size: 1.3rem;
    color: var(--blue-dark);
    margin: 0 0 .5rem;
    padding-bottom: .5rem;
    border-bottom: 2px solid var(--gray-200);
}
.subsection-lead {
    color: var(--gray-500);
    font-size: .95rem;
    margin: 0 0 1.25rem;
}

/* ── Update badge ── */
.update-badge {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    background: #ecfdf5;
    color: #065f46;
    padding: .45rem .9rem;
    border-radius: 999px;
    font-size: .82rem;
    font-weight: 600;
    border: 1px solid #a7f3d0;
    margin: 1.25rem auto;
}
.update-badge svg { width: 14px; height: 14px; }
.update-badge-wrap { text-align: center; }

/* ── Table of contents auto-généré ── */
.toc-auto {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-left: 4px solid var(--blue);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    margin: 1.5rem 0 2rem;
    box-shadow: var(--shadow);
}
.toc-auto h4 { margin: 0 0 .75rem; font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; color: var(--gray-500); font-weight: 700; }
.toc-auto ul { list-style: none; padding: 0; margin: 0; }
.toc-auto li { margin: .25rem 0; }
.toc-auto a { color: var(--blue-dark); font-size: .95rem; text-decoration: none; display: block; padding: .25rem 0; border-left: 2px solid transparent; padding-left: .65rem; margin-left: -.65rem; transition: all .15s; }
.toc-auto a:hover { border-left-color: var(--orange); color: var(--blue-light); }

/* ── Status dots ── */
.dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; vertical-align: middle; margin-right: .25rem; }
.dot-green { background: var(--green); }
.dot-yellow { background: #f59e0b; }
.dot-red { background: var(--red); }

/* ── Icons SVG inline ── */
.icon { display: inline-block; width: 24px; height: 24px; vertical-align: middle; stroke-width: 2; }
.card-icon {
    width: 44px;
    height: 44px;
    color: var(--blue);
    margin-bottom: .85rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #eff6ff;
    border-radius: 10px;
    font-size: 1.4rem;
    line-height: 1;
}
.card-icon .icon { width: 24px; height: 24px; }
.card-icon.orange { color: var(--orange); background: #fff7ed; }
.card-icon.green { color: var(--green); background: #ecfdf5; }

/* ── Disclaimer banner ── */
.disclaimer-banner {
    background: #fef3c7;
    border-top: 1px solid #fcd34d;
    border-bottom: 1px solid #fcd34d;
    padding: .75rem 0;
    font-size: .85rem;
    color: #78350f;
}
.disclaimer-banner strong { color: #92400e; }
.disclaimer-banner a { color: #92400e; text-decoration: underline; }

/* ── KPI grid (bank page) ── */
.kpi-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 1rem;
    margin-top: 1.5rem;
    max-width: 960px;
    margin-left: auto;
    margin-right: auto;
    justify-content: center;
}
.kpi {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem 1.25rem 1rem;
    box-shadow: var(--shadow);
}
.kpi-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; color: var(--gray-500); font-weight: 600; }
.kpi-value { font-size: 1.75rem; font-weight: 700; color: var(--blue-dark); margin-top: .35rem; font-variant-numeric: tabular-nums; line-height: 1.1; }
.kpi-unit { font-size: .95rem; color: var(--gray-500); font-weight: 500; }

/* ── Bank identity layout ── */
.bank-identity { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 1.5rem; align-items: start; max-width: 960px; margin: 0 auto; }
.bank-identity:not(:has(.ratings-card)) { grid-template-columns: 1fr; max-width: 720px; }
@media (max-width: 860px) { .bank-identity { grid-template-columns: 1fr; } }

.ratings-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem;
    box-shadow: var(--shadow);
}
.ratings-card h3 { font-size: 1rem; margin: 0 0 1rem; color: var(--blue-dark); }
.rating-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: .55rem 0;
    border-bottom: 1px solid var(--gray-100);
}
.rating-row:last-of-type { border-bottom: none; }
.rating-agency { color: var(--gray-700); font-weight: 500; font-size: .9rem; }
.rating-grade {
    background: var(--blue);
    color: var(--white);
    padding: .2rem .6rem;
    border-radius: 4px;
    font-weight: 700;
    font-size: .9rem;
    font-family: ui-monospace, monospace;
}
.rating-note { margin-top: .85rem; font-size: .78rem; color: var(--gray-500); line-height: 1.4; }

/* ── Timeline ── */
.timeline {
    list-style: none;
    padding: 0;
    margin: 0 auto;
    max-width: 720px;
    position: relative;
}
.timeline::before {
    content: "";
    position: absolute;
    left: 70px;
    top: .5rem;
    bottom: .5rem;
    width: 2px;
    background: var(--gray-200);
}
.timeline li {
    display: grid;
    grid-template-columns: 90px 1fr;
    gap: 1rem;
    padding: .85rem 0;
    position: relative;
}
.timeline li::before {
    content: "";
    position: absolute;
    left: 66px;
    top: 1.4rem;
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--orange);
    border: 2px solid var(--white);
    box-shadow: 0 0 0 1px var(--gray-300);
}
.timeline-year {
    font-weight: 700;
    color: var(--blue-dark);
    font-variant-numeric: tabular-nums;
    font-size: 1.05rem;
}
.timeline-event {
    color: var(--gray-700);
    padding-left: 1rem;
    line-height: 1.55;
}

/* ── Mini chart MIR ── */
.mir-chart-wrap {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem 1.25rem 1rem;
    box-shadow: var(--shadow);
    max-width: 820px;
    margin: 0 auto;
}
.mir-chart { width: 100%; height: auto; display: block; }
.mir-legend { display: flex; justify-content: space-between; gap: 1rem; margin-top: .75rem; padding-top: .75rem; border-top: 1px dashed var(--gray-200); font-size: .82rem; color: var(--gray-500); }
.mir-legend strong { color: var(--blue-dark); font-weight: 600; }
.mir-legend .up { color: #dc2626; }
.mir-legend .down { color: #059669; }

/* ── Frais achat immo ── */
.frais-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1rem;
    margin-top: 1.5rem;
}
.frais-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem;
    box-shadow: var(--shadow);
}
.frais-card h3 { color: var(--blue-dark); font-size: 1.05rem; margin: 0 0 .85rem; display: flex; align-items: center; gap: .4rem; }
.frais-card h3 .flag { font-size: 1.3rem; }
.frais-table { width: 100%; border-collapse: collapse; font-size: .88rem; font-variant-numeric: tabular-nums; }
.frais-table td { padding: .4rem 0; border-bottom: 1px dashed var(--gray-100); }
.frais-table td:last-child { text-align: right; font-weight: 500; }
.frais-table tr.total td { border-top: 2px solid var(--gray-300); border-bottom: none; padding-top: .65rem; font-size: 1rem; font-weight: 700; color: var(--blue-dark); }
.frais-table tr.total td:last-child { color: var(--orange); }
.frais-note { font-size: .78rem; color: var(--gray-500); margin-top: .75rem; line-height: 1.45; }

/* ── Produits list (bank page) ── */
.produits-list { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 1rem; }
.produit {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1.25rem;
    box-shadow: var(--shadow);
}
.produit-head { display: flex; align-items: center; gap: .85rem; margin-bottom: .65rem; }
.produit-icon { font-size: 1.75rem; line-height: 1; }
.produit h3 { margin: 0 0 .15rem; font-size: 1.05rem; color: var(--blue-dark); }
.produit-type { font-size: .78rem; color: var(--blue); text-transform: uppercase; letter-spacing: .04em; text-decoration: none; font-weight: 600; }
.produit-type:hover { color: var(--orange); }
.produit p { font-size: .9rem; color: var(--gray-700); margin: 0 0 .75rem; line-height: 1.55; }
.produit-specs { font-size: .8rem; color: var(--gray-500); padding-top: .65rem; border-top: 1px dashed var(--gray-200); }

/* ── Prêt vert card ── */
.pret-vert-card {
    background: linear-gradient(135deg, #059669 0%, #10b981 100%);
    color: var(--white);
    border-radius: var(--radius);
    padding: 2rem 2rem 2rem;
    max-width: 780px;
    margin: 0 auto;
    box-shadow: var(--shadow-lg);
    text-align: center;
}
.pret-vert-card h2 { color: var(--white); margin: .75rem 0 .75rem; }
.pret-vert-card p { color: rgba(255,255,255,.95); line-height: 1.6; }
.pret-vert-badge {
    display: inline-block;
    background: rgba(255,255,255,.2);
    padding: .3rem .75rem;
    border-radius: 999px;
    font-size: .82rem;
    font-weight: 600;
    letter-spacing: .02em;
}
.pret-vert-card .btn { background: var(--white); color: #059669; margin-top: .75rem; }
.pret-vert-card .btn:hover { background: var(--gray-100); }

/* ── TAEG max table ── */
.hero-sm { padding: 2.5rem 0 2rem; }
.hero-sm h1 { font-size: 2rem; }
.taeg-group { margin-bottom: 2.5rem; }
.taeg-group h3 { color: var(--blue-dark); margin-bottom: .75rem; font-size: 1.2rem; }
.taeg-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    font-variant-numeric: tabular-nums;
}
.taeg-table thead { background: var(--gray-100); }
.taeg-table th, .taeg-table td { padding: .85rem 1rem; text-align: left; border-bottom: 1px solid var(--gray-200); }
.taeg-table th.num, .taeg-table td.num { text-align: right; }
.taeg-table tbody tr:last-child td { border-bottom: none; }
.taeg-table tbody tr:hover { background: var(--gray-50); }
.taeg-table td.num strong { color: var(--blue); font-size: 1.05rem; }
.small-note { font-size: .82rem; color: var(--gray-500); margin-top: 1rem; font-style: italic; }

/* ── FAQ ── */
.faq details {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    margin-bottom: .75rem;
    box-shadow: var(--shadow);
}
.faq summary { cursor: pointer; font-weight: 600; color: var(--gray-900); list-style: none; padding-right: 2rem; position: relative; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 0; font-size: 1.4rem; color: var(--blue); font-weight: 400; }
.faq details[open] summary::after { content: "−"; }
.faq details[open] summary { margin-bottom: .75rem; }

/* ── Footer ── */
.site-footer {
    background: var(--gray-900);
    color: var(--gray-300);
    padding: 3rem 0 1.5rem;
    margin-top: 4rem;
    font-size: .9rem;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 2rem;
    margin-bottom: 2rem;
}
.site-footer h4 { color: var(--white); font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; margin-bottom: .875rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .375rem; }
.site-footer a { color: var(--gray-300); font-size: .88rem; }
.site-footer a:hover { color: var(--orange); text-decoration: none; }
.footer-disclaimer { font-size: .78rem; color: var(--gray-500); line-height: 1.5; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding-top: 1.25rem;
    font-size: .8rem;
    color: var(--gray-500);
    text-align: center;
}
.footer-bottom a { color: var(--gray-300); }

/* ── Utility ── */
.center { text-align: center; }
.mt-4 { margin-top: 2rem; }
.mb-4 { margin-bottom: 2rem; }

/* ── Responsive ── */
@media (max-width: 860px) {
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .simulator-grid { grid-template-columns: 1fr; }
    .nav-toggle {
        display: block;
        width: 44px;
        height: 44px;
        display: none;
    }
    .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
    .main-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--white);
        border-top: 1px solid var(--gray-200);
        padding: .5rem 0;
        max-height: calc(100vh - 65px);
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
        overscroll-behavior: contain;
    }
    .main-nav.open { display: block; }
    .main-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
    .main-nav ul li { border-bottom: 1px solid var(--gray-100); }
    .main-nav ul a { display: block; padding: .85rem 1rem; }
    .main-nav .submenu { position: static; display: block; box-shadow: none; border: none; padding: 0 0 0 1rem; background: var(--gray-50); border-radius: 0; }
    .main-nav .has-submenu > a::after { content: " ▾"; font-size: .7em; }
    .main-nav .nav-cta { margin: .5rem 1rem; border-radius: 6px; }
}
@media (max-width: 560px) {
    .footer-grid { grid-template-columns: 1fr; }
    .hero { padding: 2.5rem 0 2rem; }
    .hero-stat .value { font-size: 1.5rem; }
}