:root{
  --bg:#f6f3ee; --paper:#ffffff; --ink:#18212b; --muted:#60707f; --navy:#16202a;
  --gold:#b6945f; --gold-dark:#8f7346; --line:#ddd2c6; --alt:#efe8df;
  --shadow:0 20px 50px rgba(24,33,43,.08); --radius:22px;
  --hero-overlay:linear-gradient(180deg, rgba(12,18,26,.22), rgba(12,18,26,.78));
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Inter",Arial,sans-serif;line-height:1.68}
a{color:inherit} img{max-width:100%;display:block}
.container{width:min(1140px, calc(100% - 32px)); margin:0 auto;}
.narrow{width:min(880px, 100%); margin:0 auto;}
.site-header{position:sticky;top:0;z-index:20;background:rgba(246,243,238,.93);backdrop-filter:blur(12px);border-bottom:1px solid rgba(24,33,43,.08)}
.nav-wrap{min-height:80px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.brand{text-decoration:none;font-family:"Cormorant Garamond", serif;font-size:2rem;font-weight:700}
.nav{display:flex; gap:22px; flex-wrap:wrap;}
.nav a{text-decoration:none;color:var(--muted);font-weight:600}
.nav a:hover,.nav a.active{color:var(--navy)}
.hero{position:relative;min-height:80vh;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy)}
.hero-media,.hero-media img{position:absolute;inset:0;width:100%;height:100%}
.hero-media img{object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;background:var(--hero-overlay)}
.hero-content{position:relative;z-index:1;color:#fff;padding:92px 0 76px}
.page-hero{padding:74px 0 26px}
.eyebrow{margin:0 0 12px;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--gold-dark)}
.hero .eyebrow{color:#f2debb}
h1,h2,h3{margin:0 0 16px;line-height:1.08;color:var(--navy);font-family:"Cormorant Garamond", serif}
.hero h1{color:#fff}
h1{font-size:clamp(2.5rem, 5.5vw, 5rem)} h2{font-size:clamp(1.95rem, 3vw, 2.8rem)} h3{font-size:1.55rem}
.lead{font-size:1.12rem; max-width:800px;}
.hero .lead{color:rgba(255,255,255,.96)} .page-hero .lead{color:var(--muted)}
.section{padding:40px 0}
.section.alt{background:var(--alt);border-top:1px solid rgba(24,33,43,.05);border-bottom:1px solid rgba(24,33,43,.05)}
.cards{display:grid; gap:22px} .cards.two{grid-template-columns:repeat(2,1fr)} .cards.three{grid-template-columns:repeat(3,1fr)}
.card,.panel,.notice,.cta-box,.faq{background:var(--paper);border:1px solid rgba(24,33,43,.08);border-radius:var(--radius);box-shadow:var(--shadow)}
.card,.panel,.notice,.faq{padding:28px} .panel{border-top:4px solid var(--gold)}
.split{display:grid;grid-template-columns:1.18fr .82fr;gap:24px;align-items:start}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 18px;border-radius:999px;text-decoration:none;font-weight:700;transition:transform .12s ease, box-shadow .12s ease}
.button:hover{transform:translateY(-1px)}
.button.primary{background:#fff;color:var(--navy);box-shadow:0 10px 28px rgba(0,0,0,.16)}
.page-hero + .section .button.primary,.section .cta-box .button.primary{background:var(--navy);color:#fff}
.button.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.36)}
.plain-list{margin:0; padding-left:1.15rem} .plain-list li{margin:.58rem 0}
.grid-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px}
.kpi{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:18px;padding:16px;backdrop-filter:blur(4px)}
.kpi strong{display:block; font-size:1.15rem}
.timeline{display:grid; gap:16px}
.step{display:grid;grid-template-columns:220px 1fr;gap:18px;padding:16px 18px;background:rgba(255,255,255,.72);border:1px solid rgba(24,33,43,.08);border-radius:16px}
.step strong{color:var(--navy)}
.faq-item + .faq-item{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.cta-box{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:30px}
.site-footer{padding:30px 0 38px}
.footer-wrap{border-top:1px solid rgba(24,33,43,.12);padding-top:20px}
.small{color:var(--muted); font-size:.95rem}
@media (max-width: 940px){.cards.two,.cards.three,.split,.grid-kpis,.step{grid-template-columns:1fr}.cta-box,.nav-wrap{align-items:flex-start}}
@media (max-width: 640px){.hero{min-height:72vh}.hero-content{padding:68px 0 48px}.page-hero{padding-top:54px}.brand{font-size:1.75rem}.nav{gap:14px}}

/* ===== Bandeau supérieur Cabinet NBF ===== */
.site-header .header-inner{
  width:min(1240px, calc(100% - 48px));
  margin:0 auto;
  min-height:92px;
  padding:14px 0;
  display:grid;
  grid-template-columns:minmax(330px, 1.45fr) minmax(180px, .8fr) auto;
  align-items:center;
  gap:34px;
}

.header-identity,
.header-office{
  line-height:1.2;
}

.header-name,
.header-office-name{
  display:block;
  font-family:"Cormorant Garamond", Georgia, serif;
  color:var(--navy);
  font-weight:600;
}

.header-name{
  font-size:clamp(1.45rem, 2vw, 1.9rem);
  letter-spacing:.015em;
}

.header-office-name{
  font-size:clamp(1.25rem, 1.7vw, 1.55rem);
  letter-spacing:.09em;
}

.header-subtitle,
.header-address{
  display:block;
  margin-top:4px;
  color:var(--muted);
  font-family:"Inter", Arial, sans-serif;
  font-size:.78rem;
  font-weight:500;
  letter-spacing:.035em;
}

.header-address{
  line-height:1.45;
}

.site-header .nav{
  justify-content:flex-end;
  align-items:center;
  gap:20px;
  white-space:nowrap;
}

.site-header .nav a{
  font-size:.84rem;
  letter-spacing:.035em;
}

@media (max-width: 980px){
  .site-header .header-inner{
    width:min(100% - 36px, 940px);
    grid-template-columns:1.2fr .8fr;
    gap:14px 24px;
    padding:14px 0 12px;
  }

  .site-header .nav{
    grid-column:1 / -1;
    justify-content:flex-start;
    padding-top:10px;
    border-top:1px solid rgba(24,33,43,.08);
  }
}

@media (max-width: 640px){
  .site-header .header-inner{
    width:calc(100% - 32px);
    grid-template-columns:1fr;
    gap:10px;
    padding:12px 0;
  }

  .header-name{
    font-size:1.4rem;
  }

  .header-office{
    padding-top:9px;
    border-top:1px solid rgba(24,33,43,.08);
  }

  .header-office-name{
    font-size:1.2rem;
  }

  .site-header .nav{
    grid-column:auto;
    flex-wrap:wrap;
    gap:14px;
    padding-top:9px;
  }
}