/* ============================================================
   HCGF — Horizon Caution & Garantie Financière
   Système visuel "HCGF Modern" — bleu dominant, orange en accent
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Schibsted+Grotesk:wght@400;500;600;700;800;900&family=Hanken+Grotesk:wght@400;500;600;700&display=swap');

:root{
  /* Bleus (du logo HORIZON + globe) */
  --blue-950:#06203f;
  --blue-900:#0a2c5c;
  --blue-800:#103c7d;
  --blue-700:#13509e;
  --blue-600:#1a6fd4;   /* bleu de marque */
  --blue-500:#2f86ec;
  --blue-200:#bcd7f7;
  --blue-100:#e6f0fd;
  --blue-50:#f2f8ff;

  /* Orange (CAUTION + anneau orbital) */
  --orange-700:#d8650a;
  --orange-600:#ef7613;
  --orange-500:#f7901e;
  --orange-300:#ffbe6b;
  --orange-100:#ffe9cf;

  /* Neutres */
  --ink:#0d1b2e;
  --ink-soft:#26384f;
  --muted:#5d6f86;
  --bg:#f4f7fc;
  --surface:#ffffff;
  --surface-2:#f8fbff;
  --line:#e2eaf4;
  --line-strong:#d2deec;

  --ring:linear-gradient(90deg,#f7901e,#ffc274);
  --blue-grad:linear-gradient(135deg,#1a6fd4 0%,#13509e 60%,#0a2c5c 100%);

  --shadow-sm:0 2px 8px rgba(13,40,80,.06);
  --shadow:0 18px 44px rgba(13,40,80,.10);
  --shadow-lg:0 30px 70px rgba(13,40,80,.16);
  --radius:22px;
  --radius-sm:14px;
  --radius-lg:30px;
  --container:1200px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Hanken Grotesk",system-ui,sans-serif;
  color:var(--ink-soft);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
::selection{background:var(--orange-300);color:var(--blue-950)}

.container{width:min(calc(100% - 48px),var(--container));margin-inline:auto}

h1,h2,h3,h4{
  font-family:"Schibsted Grotesk",system-ui,sans-serif;
  color:var(--blue-950);
  letter-spacing:-.02em;
  line-height:1.05;
  margin:0;
  text-wrap:balance;
}
h1{font-size:clamp(2.5rem,5.4vw,4.4rem);font-weight:800}
h2{font-size:clamp(1.9rem,3.6vw,3rem);font-weight:700}
h3{font-size:1.3rem;font-weight:700;line-height:1.18}
p{margin:0}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-family:"Schibsted Grotesk",sans-serif;
  text-transform:uppercase;letter-spacing:.16em;
  font-size:.74rem;font-weight:700;color:var(--orange-600);
  margin:0 0 18px;
}
.eyebrow::before{
  content:"";width:26px;height:2px;border-radius:2px;
  background:var(--ring);
}
.eyebrow.center{justify-content:center}

.lead{color:var(--muted);font-size:1.12rem;line-height:1.7}

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky;top:0;z-index:200;
  background:rgba(255,255,255,.82);
  backdrop-filter:saturate(140%) blur(16px);
  border-bottom:1px solid var(--line);
}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center}
.brand-logo{height:46px;width:auto}
.menu{display:flex;align-items:center;gap:6px}
.menu a{
  font-family:"Schibsted Grotesk",sans-serif;
  font-weight:600;font-size:.95rem;color:var(--ink-soft);
  padding:9px 14px;border-radius:999px;
  transition:color .2s var(--ease),background .2s var(--ease);
}
.menu a:hover{color:var(--blue-700);background:var(--blue-50)}
.menu a.active{color:var(--blue-700)}
.menu .cta-link{
  margin-left:8px;color:#fff;background:var(--blue-600);
  padding:11px 20px;box-shadow:0 8px 20px rgba(26,111,212,.28);
}
.menu .cta-link:hover{background:var(--blue-700);color:#fff}
.nav-toggle{display:none}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:"Schibsted Grotesk",sans-serif;font-weight:700;font-size:1rem;
  border-radius:999px;padding:15px 28px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s var(--ease);
}
.btn svg{width:18px;height:18px}
.btn-primary{background:var(--blue-600);color:#fff;box-shadow:0 12px 28px rgba(26,111,212,.32)}
.btn-primary:hover{background:var(--blue-700);transform:translateY(-2px);box-shadow:0 18px 36px rgba(26,111,212,.36)}
.btn-accent{background:var(--orange-500);color:#fff;box-shadow:0 12px 28px rgba(247,144,30,.34)}
.btn-accent:hover{background:var(--orange-600);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--blue-700);border-color:var(--line-strong)}
.btn-ghost:hover{border-color:var(--blue-600);background:var(--blue-50);transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--blue-700)}
.btn-white:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-block{width:100%}

.actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}

/* ============================================================
   ORBIT MOTIF (rappel de l'anneau du logo)
   ============================================================ */
.orbit{position:absolute;border-radius:50%;border:2px solid transparent;pointer-events:none}
.orbit-arc{
  position:absolute;inset:0;border-radius:50%;
  border:3px solid transparent;
  background:
    linear-gradient(var(--surface),var(--surface)) padding-box,
    conic-gradient(from 200deg,transparent 0deg,var(--orange-500) 70deg,var(--orange-300) 150deg,transparent 200deg) border-box;
  -webkit-mask:none;
}

/* ============================================================
   HERO
   ============================================================ */
.hero{position:relative;overflow:hidden;padding:84px 0 76px}
.hero::before{
  content:"";position:absolute;top:-340px;right:-260px;width:680px;height:680px;border-radius:50%;
  background:radial-gradient(circle at 30% 30%,rgba(26,111,212,.10),transparent 62%);
  z-index:0;
}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.04fr .96fr;gap:56px;align-items:center}
.hero-copy h1 .accent{color:var(--blue-600)}
.hero-copy .lead{margin-top:22px;max-width:33em}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px}
.hero-trust span{display:inline-flex;align-items:center;gap:9px;font-size:.92rem;font-weight:600;color:var(--ink-soft)}
.hero-trust .dot{width:8px;height:8px;border-radius:50%;background:var(--orange-500);box-shadow:0 0 0 4px var(--orange-100)}

.hero-media{position:relative;aspect-ratio:1/1;max-width:520px;margin-inline:auto;width:100%}
.hero-photo{
  position:absolute;inset:8% 8% 8% 8%;border-radius:50%;overflow:hidden;
  box-shadow:var(--shadow-lg);border:6px solid #fff;
  z-index:2;
}
.hero-photo img{width:100%;height:100%;object-fit:cover}
/* anneau orbital orange autour de la photo */
.hero-media .ring{
  position:absolute;inset:0;border-radius:50%;
  border:4px solid transparent;
  background:conic-gradient(from 210deg,transparent 0deg 18deg,var(--orange-500) 70deg,var(--orange-300) 130deg,transparent 175deg 360deg) border-box;
  -webkit-mask:linear-gradient(#000 0 0) padding-box exclude,linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;mask-composite:exclude;
  transform:rotate(-8deg);
  z-index:3;
  filter:drop-shadow(0 6px 16px rgba(247,144,30,.35));
}
.hero-media .ring-faint{
  position:absolute;inset:-6%;border-radius:50%;
  border:1.5px dashed var(--blue-200);
  z-index:1;
}
/* carte flottante */
.float-card{
  position:absolute;z-index:4;background:#fff;border:1px solid var(--line);
  border-radius:18px;padding:16px 18px;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:14px;
}
.float-card .fc-icon{
  width:44px;height:44px;border-radius:12px;flex:none;display:grid;place-items:center;
  background:var(--blue-50);color:var(--blue-600);
}
.float-card .fc-icon.orange{background:var(--orange-100);color:var(--orange-600)}
.float-card .fc-icon svg{width:22px;height:22px}
.float-card small{display:block;color:var(--muted);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.float-card strong{font-family:"Schibsted Grotesk",sans-serif;color:var(--blue-950);font-size:1.05rem}
.float-card.fc-a{top:6%;left:-4%}
.float-card.fc-b{bottom:6%;right:-2%}

/* ============================================================
   SECTIONS
   ============================================================ */
.section{padding:84px 0}
.section.tight{padding:60px 0}
.section.alt{background:var(--surface)}
.section-head{max-width:720px;margin:0 auto 52px;text-align:center}
.section-head.left{margin-inline:0;text-align:left}
.section-head p.lead{margin-top:16px}

/* Strip / reassurance */
.reassure{
  position:relative;margin-top:-44px;z-index:5;
}
.reassure-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow);
}
.reassure-item{background:#fff;padding:28px 28px;display:flex;gap:16px;align-items:flex-start}
.reassure-item .ico{
  width:48px;height:48px;flex:none;border-radius:13px;display:grid;place-items:center;
  background:var(--blue-50);color:var(--blue-600);
}
.reassure-item .ico svg{width:24px;height:24px}
.reassure-item h3{font-size:1.08rem;margin-bottom:5px}
.reassure-item p{color:var(--muted);font-size:.95rem;line-height:1.55}

/* ---------- Service cards ---------- */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card-grid.two{grid-template-columns:repeat(2,1fr)}
.s-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow-sm);
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s var(--ease);
  display:flex;flex-direction:column;
}
.s-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:var(--blue-200)}
.s-card .ph{position:relative;aspect-ratio:16/11;overflow:hidden}
.s-card .ph img{width:100%;height:100%;object-fit:cover;transition:transform .6s var(--ease)}
.s-card:hover .ph img{transform:scale(1.05)}
.s-card .ph::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 45%,rgba(6,32,63,.35))}
.s-card .body{padding:24px 24px 26px;display:flex;flex-direction:column;gap:8px;flex:1}
.s-card h3{color:var(--blue-950)}
.s-card p{color:var(--muted);font-size:.96rem;line-height:1.55}

/* Service icon cards (no photo) */
.icon-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s var(--ease);
}
.icon-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.icon-card .ico{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:var(--blue-50);color:var(--blue-600);margin-bottom:18px}
.icon-card .ico svg{width:26px;height:26px}
.icon-card.accent .ico{background:var(--orange-100);color:var(--orange-600)}
.icon-card h3{margin-bottom:8px}
.icon-card p{color:var(--muted);font-size:.96rem}

/* ---------- Steps / process ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:step}
.step{position:relative;padding:30px 24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.step .num{
  font-family:"Schibsted Grotesk",sans-serif;font-weight:800;font-size:1rem;
  width:42px;height:42px;border-radius:50%;display:grid;place-items:center;
  background:var(--blue-950);color:#fff;margin-bottom:18px;
}
.step:nth-child(2) .num{background:var(--blue-700)}
.step:nth-child(3) .num{background:var(--blue-600)}
.step:nth-child(4) .num{background:var(--orange-500)}
.step h3{font-size:1.12rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.95rem}

/* ============================================================
   CTA BAND (bleu nuit + orbite)
   ============================================================ */
.cta-band{position:relative;overflow:hidden;background:var(--blue-grad);border-radius:var(--radius-lg);padding:64px 60px;color:#fff}
.cta-band::before,.cta-band::after{content:"";position:absolute;border-radius:50%;border:2px solid rgba(255,255,255,.10)}
.cta-band::before{width:520px;height:520px;right:-160px;top:-200px}
.cta-band::after{width:340px;height:340px;right:-60px;top:-90px;border-color:rgba(247,144,30,.5)}
.cta-band .inner{position:relative;z-index:2;max-width:640px}
.cta-band .eyebrow{color:var(--orange-300)}
.cta-band .eyebrow::before{background:var(--orange-300)}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.82);margin-top:16px;font-size:1.1rem}
.cta-band .actions{margin-top:30px}

/* ============================================================
   PAGE HERO (sous-pages)
   ============================================================ */
.page-hero{position:relative;overflow:hidden;padding:72px 0 0}
.page-hero .container{position:relative;z-index:1}
.page-hero::before{
  content:"";position:absolute;top:-300px;left:50%;transform:translateX(-30%);
  width:760px;height:760px;border-radius:50%;
  background:radial-gradient(circle at 40% 40%,rgba(26,111,212,.10),transparent 60%);
}
.page-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding-bottom:24px}
.page-hero h1{font-size:clamp(2.3rem,4.6vw,3.7rem)}
.page-hero .lead{margin-top:20px}
.page-figure{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);border:6px solid #fff;aspect-ratio:4/3}
.page-figure img{width:100%;height:100%;object-fit:cover}
.page-figure .tag{
  position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.94);backdrop-filter:blur(6px);
  border-radius:999px;padding:9px 16px;font-weight:700;font-size:.85rem;color:var(--blue-800);
  display:inline-flex;align-items:center;gap:8px;box-shadow:var(--shadow-sm);
}
.page-figure .tag .dot{width:8px;height:8px;border-radius:50%;background:var(--orange-500)}

/* breadcrumb */
.crumb{display:flex;gap:8px;align-items:center;font-size:.85rem;color:var(--muted);font-weight:600;margin-bottom:20px}
.crumb a:hover{color:var(--blue-700)}
.crumb span{color:var(--line-strong)}

/* ============================================================
   AVI — info boxes, formulaire, paiements
   ============================================================ */
.split{display:grid;grid-template-columns:.92fr 1.08fr;gap:36px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.info-box{padding:26px 28px}
.info-box + .info-box{margin-top:20px}
.info-box h3{font-size:1.12rem;margin-bottom:12px;display:flex;align-items:center;gap:10px}
.info-box h3 .ico{width:34px;height:34px;border-radius:10px;background:var(--blue-50);color:var(--blue-600);display:grid;place-items:center;flex:none}
.info-box h3 .ico svg{width:18px;height:18px}
.amount-row{display:flex;justify-content:space-between;align-items:baseline;padding:11px 0;border-bottom:1px dashed var(--line);gap:14px}
.amount-row:last-child{border-bottom:none}
.amount-row .k{color:var(--muted);font-size:.95rem}
.amount-row .v{font-family:"Schibsted Grotesk",sans-serif;font-weight:700;color:var(--blue-950)}
.amount-total{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:14px;padding:16px 18px;margin-bottom:8px;display:flex;justify-content:space-between;align-items:center}
.amount-total .k{font-weight:700;color:var(--blue-800)}
.amount-total .v{font-family:"Schibsted Grotesk",sans-serif;font-weight:800;font-size:1.5rem;color:var(--blue-700)}
.doc-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.doc-list li{display:flex;gap:10px;align-items:flex-start;color:var(--ink-soft);font-size:.96rem}
.doc-list li svg{width:18px;height:18px;color:var(--orange-500);flex:none;margin-top:3px}

.pay-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}
.pay-box{border:1px solid var(--line);border-radius:18px;padding:22px;background:var(--surface-2);display:flex;flex-direction:column;gap:8px}
.pay-box.feature{background:var(--blue-grad);border:none;color:#fff}
.pay-box h3{font-size:1.05rem}
.pay-box.feature h3{color:#fff}
.pay-box .price{font-family:"Schibsted Grotesk",sans-serif;font-weight:800;font-size:1.7rem;color:var(--blue-700)}
.pay-box.feature .price{color:#fff}
.pay-box p{font-size:.9rem;color:var(--muted)}
.pay-box.feature p{color:rgba(255,255,255,.82)}
.pay-box .btn{margin-top:auto}

/* Form */
.form-card{padding:30px 32px}
.form-section-title{
  font-family:"Schibsted Grotesk",sans-serif;font-weight:700;font-size:1.18rem;color:var(--blue-950);
  margin:0 0 18px;padding-bottom:12px;border-bottom:1px solid var(--line);
  display:flex;align-items:center;gap:12px;
}
.form-section-title .n{width:28px;height:28px;border-radius:8px;background:var(--blue-600);color:#fff;display:grid;place-items:center;font-size:.85rem;flex:none}
.form-section-title + .form-grid{margin-bottom:30px}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.form-grid label,.contact-form label{display:block;font-weight:600;color:var(--ink-soft);font-size:.9rem}
.form-grid label.full{grid-column:1/-1}
input,select,textarea{
  width:100%;margin-top:8px;padding:13px 15px;border:1.5px solid var(--line-strong);border-radius:12px;
  background:#fff;color:var(--ink);font:inherit;font-size:.96rem;transition:border-color .2s,box-shadow .2s;
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(47,134,236,.14)}
input[type=file]{padding:9px 12px;background:var(--surface-2)}
input::file-selector-button{
  margin-right:12px;padding:9px 14px;border:none;border-radius:999px;background:var(--blue-100);color:var(--blue-800);
  font-family:"Schibsted Grotesk",sans-serif;font-weight:700;cursor:pointer;transition:background .2s;
}
input::file-selector-button:hover{background:var(--blue-200)}
.check-row{display:grid;gap:12px;margin:6px 0 22px}
.checkbox{display:flex;gap:11px;align-items:flex-start;color:var(--muted);font-weight:500;font-size:.92rem;cursor:pointer}
.checkbox input{width:auto;margin-top:3px;accent-color:var(--blue-600)}
.form-note{font-size:.88rem;color:var(--muted);display:flex;align-items:center;gap:8px;margin-top:14px}
.form-note svg{width:16px;height:16px;color:var(--blue-500);flex:none}
.form-message{display:none;padding:14px 16px;border-radius:12px;margin-bottom:18px;font-weight:600;font-size:.95rem}
.form-message.error{display:block;background:#fdecec;color:#b23b3b;border:1px solid #f4c4c4}
.form-message.success{display:block;background:#e7f6ec;color:#2c7a48;border:1px solid #bce0c8}

/* ============================================================
   SERVICES gallery
   ============================================================ */
.gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}

/* ============================================================
   CONTACT
   ============================================================ */
.contact-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:32px;align-items:start}
.contact-info{padding:32px}
.contact-info h2{font-size:1.5rem;margin-bottom:6px}
.contact-list{display:grid;gap:4px;margin-top:24px}
.contact-row{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-row:last-child{border-bottom:none}
.contact-row .ico{width:44px;height:44px;border-radius:12px;background:var(--blue-50);color:var(--blue-600);display:grid;place-items:center;flex:none}
.contact-row .ico svg{width:21px;height:21px}
.contact-row small{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.72rem;font-weight:700;color:var(--muted);margin-bottom:2px}
.contact-row strong{font-weight:600;color:var(--ink);font-size:1rem}
.contact-form{padding:32px}
.contact-form h2{font-size:1.5rem;margin-bottom:20px}
.contact-form label{margin-bottom:16px;display:block}
.contact-form .page-actions{margin-top:6px}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{background:var(--blue-950);color:#fff;padding:64px 0 30px;margin-top:0}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.10)}
.footer-brand .fb-logo{display:inline-flex;align-items:baseline;gap:10px;font-family:"Schibsted Grotesk",sans-serif;font-weight:800;font-size:1.5rem;color:#fff;letter-spacing:-.02em}
.footer-brand .fb-logo b{color:var(--orange-500)}
.footer-brand p{color:rgba(255,255,255,.62);margin-top:14px;max-width:30em;font-size:.95rem}
.footer-brand .orbit-line{width:64px;height:3px;border-radius:3px;background:var(--ring);margin-top:20px}
.footer-col h4{font-family:"Schibsted Grotesk",sans-serif;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--orange-300);margin-bottom:16px}
.footer-col a,.footer-col p{display:block;color:rgba(255,255,255,.72);padding:6px 0;font-size:.95rem}
.footer-col a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:24px;font-size:.86rem;color:rgba(255,255,255,.5)}
.footer-bottom .fl{display:flex;gap:18px;flex-wrap:wrap}
.footer-bottom a:hover{color:#fff}

/* ============================================================
   ANIMATIONS (révélation au scroll)
   ============================================================ */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
  .reveal.in{opacity:1;transform:none}
  .reveal.d1{transition-delay:.08s}
  .reveal.d2{transition-delay:.16s}
  .reveal.d3{transition-delay:.24s}
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:1020px){
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero-media{max-width:420px}
  .page-hero-grid{grid-template-columns:1fr;gap:34px}
  .split{grid-template-columns:1fr;gap:26px}
  .contact-wrap{grid-template-columns:1fr}
  .steps{grid-template-columns:repeat(2,1fr)}
  .card-grid,.gallery,.reassure-grid{grid-template-columns:repeat(2,1fr)}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .menu{
    position:fixed;inset:78px 0 auto 0;flex-direction:column;align-items:stretch;gap:4px;
    background:#fff;border-bottom:1px solid var(--line);padding:16px 24px 24px;
    box-shadow:var(--shadow);transform:translateY(-130%);transition:transform .35s var(--ease);
  }
  .menu.open{transform:none}
  .menu a{padding:13px 16px;border-radius:12px;font-size:1rem}
  .menu .cta-link{margin-left:0;margin-top:6px;justify-content:center;display:flex}
  .nav-toggle{
    display:inline-grid;place-items:center;width:46px;height:46px;border:1px solid var(--line);
    border-radius:12px;background:#fff;cursor:pointer;color:var(--blue-800);
  }
  .nav-toggle svg{width:24px;height:24px}
  .card-grid,.card-grid.two,.gallery,.reassure-grid,.steps,.form-grid,.pay-grid{grid-template-columns:1fr}
  .reassure{margin-top:0}
  .section{padding:60px 0}
  .cta-band{padding:44px 28px}
  .float-card{display:none}
  .footer-top{grid-template-columns:1fr;gap:30px}
  .hero{padding:54px 0 60px}
}