/* ==========================================================================
   AFRICAM — Design System & Site public
   Palette extraite du logo : bleu institutionnel, rouge sigle, doré pièce.
   ========================================================================== */

:root {
    --AFRICAM-blue: #2A3485;
    --AFRICAM-blue-dk: #1D2560;
    --AFRICAM-blue-lt: #3D4AA8;
    --AFRICAM-gold: #D9A95B;
    --AFRICAM-gold-lt: #F0D9A8;
    --AFRICAM-red: #E32227;
    --AFRICAM-red-dk: #B81B20;
    --AFRICAM-ink: #2B2B2B;
    --AFRICAM-grey: #6B7280;
    --AFRICAM-bg: #F7F6F2;
    --AFRICAM-white: #FFFFFF;
    --up: #1E8E4E;
    --down: #D0342C;
    --flat: #6B7280;
    --radius: 10px;
    --shadow: 0 4px 18px rgba(29, 37, 96, .09);
    --shadow-lg: 0 12px 34px rgba(29, 37, 96, .16);
    --font: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

html, body { overflow-x: clip; }

body {
    margin: 0;
    font-family: var(--font);
    color: var(--AFRICAM-ink);
    background: var(--AFRICAM-bg);
    line-height: 1.6;
    font-size: 16px;
}

img { max-width: 100%; height: auto; }
a { color: var(--AFRICAM-blue); text-decoration: none; }
a:hover { color: var(--AFRICAM-blue-lt); }

h1, h2, h3, h4 { color: var(--AFRICAM-blue-dk); line-height: 1.25; margin: 0 0 .6em; }
h1 { font-size: 2.1rem; }
h2 { font-size: 1.55rem; }
h3 { font-size: 1.15rem; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }

/* ---------- Boutons ---------- */
.btn {
    display: inline-block;
    padding: 12px 26px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: .95rem;
    border: 2px solid transparent;
    cursor: pointer;
    transition: all .2s ease;
    text-align: center;
}
.btn-primary { background: var(--AFRICAM-blue); color: #fff; }
.btn-primary:hover { background: var(--AFRICAM-blue-dk); color: #fff; }
.btn-outline { border-color: var(--AFRICAM-blue); color: var(--AFRICAM-blue); background: transparent; }
.btn-outline:hover { background: var(--AFRICAM-blue); color: #fff; }
.btn-gold { background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk); }
.btn-gold:hover { background: var(--AFRICAM-gold-lt); color: var(--AFRICAM-blue-dk); }
.btn-light { background: #fff; color: var(--AFRICAM-blue-dk); }
.btn-light:hover { background: var(--AFRICAM-gold-lt); color: var(--AFRICAM-blue-dk); }
.btn-sm { padding: 7px 16px; font-size: .85rem; }

/* ---------- Topbar ---------- */
.topbar {
    background: var(--AFRICAM-blue-dk);
    color: #cfd3f0;
    font-size: .8rem;
}
.topbar .container {
    display: flex; justify-content: space-between; align-items: center;
    gap: 12px; flex-wrap: wrap; padding-top: 6px; padding-bottom: 6px;
}
.topbar a { color: #fff; }
.topbar .topbar-left span { margin-right: 18px; }
.topbar .socials a { margin-left: 10px; opacity: .85; }
.topbar .socials a:hover { opacity: 1; color: var(--AFRICAM-gold); }
.topbar .cta-top a { margin-left: 8px; }

/* ---------- Ticker BRVM ---------- */
.ticker-wrap {
    background: var(--AFRICAM-blue);
    color: #fff;
    overflow: hidden;
    position: relative;
    border-bottom: 3px solid var(--AFRICAM-gold);
}
.ticker-label {
    position: absolute; left: 0; top: 0; bottom: 0; z-index: 2;
    background: var(--AFRICAM-blue);
    display: flex; align-items: center; padding: 0 14px;
    font-weight: 700; font-size: .78rem; letter-spacing: .5px;
}
.ticker { overflow: hidden; padding: 8px 0 8px 110px; white-space: nowrap; }
.ticker-track {
    display: inline-block;
    animation: ticker-scroll 60s linear infinite;
}
.ticker:hover .ticker-track { animation-play-state: paused; }
.ticker-item {
    display: inline-block; margin-right: 10px; padding: 3px 12px;
    font-size: .82rem; border-radius: 50px; cursor: default;
    transition: background .18s ease;
}
.ticker-item:hover { background: rgba(217,169,91,.28); }
.ticker-item .sym { font-weight: 700; }
.ticker-item .px { color: #d9dcf7; margin: 0 5px; }
.ticker-item .var.up { color: #5fd38a; }
.ticker-item .var.down { color: #ff9d9a; }
.ticker-item .var.flat { color: #c9cbe0; }
.ticker-item .dt { color: #aab0e8; font-size: .72rem; margin-left: 4px; }
.live-dot {
    display: inline-block; width: 8px; height: 8px; margin-left: 8px;
    border-radius: 50%; background: #5fd38a;
    animation: livePulse 2s ease-in-out infinite;
}
@keyframes livePulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(95,211,138,.55); opacity: 1; }
    50% { box-shadow: 0 0 0 5px rgba(95,211,138,0); opacity: .65; }
}
@keyframes ticker-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
}

/* ---------- En-tête / Navigation ---------- */
.site-header {
    background: #fff;
    box-shadow: var(--shadow);
    position: sticky; top: 0; z-index: 100;
}
.site-header .container {
    display: flex; align-items: center; justify-content: space-between;
    padding-top: 10px; padding-bottom: 10px; gap: 16px;
}
.logo { display: flex; align-items: center; gap: 10px; }
.logo img { height: 62px; }
.logo .logo-txt { font-size: .7rem; color: var(--AFRICAM-grey); max-width: 150px; line-height: 1.3; }

.main-nav ul { list-style: none; display: flex; margin: 0; padding: 0; gap: 4px; }
.main-nav > ul > li { position: relative; }
.main-nav a.nav-link {
    display: block; padding: 10px 13px; font-size: .92rem; font-weight: 600;
    color: var(--AFRICAM-blue-dk); border-radius: 6px;
}
.main-nav a.nav-link:hover, .main-nav li:hover > a.nav-link {
    color: var(--AFRICAM-blue); background: var(--AFRICAM-bg);
}
.main-nav .submenu {
    display: none; position: absolute; top: 100%; left: 0; min-width: 240px;
    background: #fff; box-shadow: var(--shadow-lg); border-radius: 0 0 var(--radius) var(--radius);
    padding: 8px 0; z-index: 50; border-top: 3px solid var(--AFRICAM-gold);
}
.main-nav li:hover .submenu, .main-nav li:focus-within .submenu { display: block; }
.main-nav .submenu li { display: block; }
.main-nav .submenu a { display: block; padding: 9px 18px; font-size: .88rem; color: var(--AFRICAM-ink); }
.main-nav .submenu a:hover { background: var(--AFRICAM-bg); color: var(--AFRICAM-blue); }
.nav-toggle { display: none; background: none; border: 0; font-size: 1.6rem; color: var(--AFRICAM-blue); cursor: pointer; }


/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk) 55%, var(--AFRICAM-blue) 100%);
    color: #fff;
    padding: 78px 0;
    position: relative;
    overflow: hidden;
}
.hero::after { display: none; }
.hero h1 { color: #fff; font-size: 2.6rem; max-width: 640px; }
.hero h1 em { color: var(--AFRICAM-gold); font-style: normal; }
.hero p { font-size: 1.12rem; max-width: 560px; color: #dfe2f5; }
.hero .hero-actions { margin-top: 26px; display: flex; gap: 14px; flex-wrap: wrap; }
.hero-badges { display: flex; gap: 26px; margin-top: 40px; flex-wrap: wrap; }
.hero-badge { font-size: .85rem; color: #c8cdec; }
.hero-badge strong { display: block; color: var(--AFRICAM-gold); font-size: 1.3rem; }

/* ---------- Sections ---------- */
.section { padding: 60px 0; }
.section-alt { background: #fff; }
.section-title { text-align: center; margin-bottom: 8px; }
.section-subtitle { text-align: center; color: var(--AFRICAM-grey); max-width: 640px; margin: 0 auto 36px; }
.section-title::after {
    content: ""; display: block; width: 64px; height: 4px; margin: 12px auto 0;
    background: var(--AFRICAM-gold); border-radius: 2px;
}

/* ---------- Cartes ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
    background: #fff; border-radius: var(--radius); padding: 26px;
    box-shadow: var(--shadow); border-top: 4px solid var(--AFRICAM-gold);
    transition: transform .2s ease, box-shadow .2s ease;
    display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card .card-icon {
    width: 52px; height: 52px; border-radius: 12px;
    background: var(--AFRICAM-blue); color: var(--AFRICAM-gold-lt);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem; margin-bottom: 14px;
}
.card p { color: var(--AFRICAM-grey); font-size: .94rem; flex: 1; }
.card .card-link { font-weight: 600; font-size: .9rem; margin-top: 10px; }
.card .card-link::after { content: " →"; }

/* ---------- Marché en bref ---------- */
.market-indices { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 26px; }
.index-card {
    background: #fff; border-radius: var(--radius); padding: 18px;
    box-shadow: var(--shadow); text-align: center;
}
.index-card .idx-name { font-size: .78rem; color: var(--AFRICAM-grey); text-transform: uppercase; letter-spacing: .5px; }
.index-card .idx-value { font-size: 1.5rem; font-weight: 700; color: var(--AFRICAM-blue-dk); }
.index-card .idx-var { font-size: .9rem; font-weight: 600; }
.up { color: var(--up); } .down { color: var(--down); } .flat { color: var(--flat); }

.tops { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.top-box { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.top-box h3 {
    margin: 0; padding: 14px 20px; font-size: 1rem; color: #fff;
}
.top-box.hausses h3 { background: var(--up); }
.top-box.baisses h3 { background: var(--down); }
.top-box table { width: 100%; border-collapse: collapse; font-size: .88rem; }
.top-box td, .top-box th { padding: 10px 20px; text-align: right; }
.top-box td:first-child, .top-box th:first-child { text-align: left; }
.top-box tbody tr { border-top: 1px solid #eee; }

/* ---------- Tableaux de cours ---------- */
.market-table { width: 100%; border-collapse: collapse; background: #fff; font-size: .9rem; }
.market-table th {
    background: var(--AFRICAM-blue-dk); color: #fff; padding: 12px 14px;
    text-align: right; font-size: .8rem; text-transform: uppercase; letter-spacing: .4px;
}
.market-table th:first-child, .market-table td:first-child { text-align: left; }
.market-table td { padding: 11px 14px; text-align: right; border-bottom: 1px solid #eee; }
.market-table tbody tr:hover { background: var(--AFRICAM-gold-lt); }
.market-table .sym { font-weight: 700; color: var(--AFRICAM-blue); }

/* ---------- Étapes / process ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
.step {
    background: #fff; border-radius: var(--radius); padding: 30px 24px;
    box-shadow: var(--shadow); position: relative; counter-increment: step;
}
.step::before {
    content: counter(step, decimal-leading-zero);
    position: absolute; top: -16px; left: 24px;
    background: var(--AFRICAM-blue); color: #fff; font-weight: 700;
    padding: 4px 14px; border-radius: 20px; font-size: .85rem;
}

/* ---------- Actualités ---------- */
.news-card { overflow: hidden; padding: 0; }
.news-card .news-img { height: 170px; background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt)); display: flex; align-items: center; justify-content: center; color: var(--AFRICAM-gold-lt); font-size: 2.4rem; }
.news-card .news-body { padding: 20px 22px; }
.news-card .news-cat { font-size: .72rem; text-transform: uppercase; color: var(--AFRICAM-blue); font-weight: 700; letter-spacing: .6px; }
.news-card .news-date { font-size: .78rem; color: var(--AFRICAM-grey); }
.news-card h3 { font-size: 1.05rem; margin: 6px 0; }

/* ---------- Formulaires ---------- */
.form-card {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 34px; max-width: 780px; margin: 0 auto;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 20px; }
.form-group { display: flex; flex-direction: column; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-weight: 600; font-size: .88rem; margin-bottom: 5px; color: var(--AFRICAM-blue-dk); }
.form-group label .req { color: var(--AFRICAM-red); }
.form-group input, .form-group select, .form-group textarea {
    padding: 11px 13px; border: 1.5px solid #d6d8e8; border-radius: 8px;
    font-size: .95rem; font-family: inherit; background: #fff;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    outline: none; border-color: var(--AFRICAM-blue); box-shadow: 0 0 0 3px rgba(42,52,133,.12);
}
.form-group.has-error input, .form-group.has-error select, .form-group.has-error textarea { border-color: var(--AFRICAM-red); }
.field-error { color: var(--AFRICAM-red); font-size: .8rem; margin-top: 4px; display: block; }
.type-cards.has-error .type-card { border-color: var(--AFRICAM-red); }
.checks.has-error > label, .risk-cards.has-error .risk-card { border-radius: 8px; outline: 1.5px solid rgba(200,30,40,.45); }
.wizard-panel .alert.js-notif { margin-bottom: 18px; }
.checks { display: flex; flex-wrap: wrap; gap: 10px 22px; }
.checks label { display: flex; align-items: center; gap: 7px; font-weight: 400; font-size: .92rem; cursor: pointer; }
.checks input { width: auto; }

/* Assistant multi-étapes */
.wizard-steps { display: flex; justify-content: center; gap: 0; margin-bottom: 30px; flex-wrap: wrap; }
.wizard-steps li {
    list-style: none; padding: 8px 18px; font-size: .85rem; font-weight: 600;
    color: var(--AFRICAM-grey); position: relative;
}
.wizard-steps li::before {
    content: attr(data-step); display: inline-flex; align-items: center; justify-content: center;
    width: 26px; height: 26px; border-radius: 50%; margin-right: 8px;
    background: #dfe1ee; color: var(--AFRICAM-grey); font-size: .8rem;
}
.wizard-steps li.active { color: var(--AFRICAM-blue-dk); }
.wizard-steps li.active::before { background: var(--AFRICAM-blue); color: #fff; }
.wizard-steps li.done::before { background: var(--up); color: #fff; content: "✓"; }
.wizard-panel { display: none; }
.wizard-panel.active { display: block; }
.wizard-nav { display: flex; justify-content: space-between; margin-top: 28px; }

.type-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 14px; }
.type-card {
    border: 2px solid #d6d8e8; border-radius: var(--radius); padding: 20px 14px;
    text-align: center; cursor: pointer; font-weight: 600; font-size: .9rem;
    transition: all .15s ease; background: #fff;
}
.type-card:hover { border-color: var(--AFRICAM-blue); }
.type-card.selected { border-color: var(--AFRICAM-blue); background: #EEF1FB; color: var(--AFRICAM-blue-dk); }

/* ---------- Alertes / flash ---------- */
.alert { padding: 14px 18px; border-radius: var(--radius); margin-bottom: 20px; font-size: .92rem; }
.alert-success { background: #e6f6ec; color: #14663a; border-left: 4px solid var(--up); }
.alert-error { background: #fdecec; color: #8f1d1d; border-left: 4px solid var(--AFRICAM-red); }
.alert-info { background: #e8eaf6; color: var(--AFRICAM-blue-dk); border-left: 4px solid var(--AFRICAM-blue); }

/* ---------- Frise de suivi ---------- */
.tracking-flow { display: flex; flex-wrap: wrap; gap: 6px; margin: 24px 0; }
.tracking-flow .tk {
    padding: 8px 14px; border-radius: 20px; font-size: .8rem; font-weight: 600;
    background: #e9eaf3; color: var(--AFRICAM-grey);
}
.tracking-flow .tk.done { background: var(--up); color: #fff; }
.tracking-flow .tk.current { background: var(--AFRICAM-blue); color: #fff; }
.tracking-flow .tk-sep { align-self: center; color: #b9bcdc; }

/* ---------- Badges de statut ---------- */
.badge {
    display: inline-block; padding: 4px 12px; border-radius: 20px;
    font-size: .78rem; font-weight: 700; color: #fff;
}

/* ---------- Fil d'Ariane ---------- */
.breadcrumb { font-size: .82rem; color: var(--AFRICAM-grey); padding: 16px 0 0; }
.breadcrumb a { color: var(--AFRICAM-grey); }
.breadcrumb a:hover { color: var(--AFRICAM-blue); }

/* ---------- Page content ---------- */
.page-head {
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk), var(--AFRICAM-blue));
    color: #fff; padding: 44px 0;
}
.page-head h1 { color: #fff; margin: 0; font-size: 2rem; }
.page-head .breadcrumb a, .page-head .breadcrumb { color: #b9bfe9; }
.page-content { padding: 44px 0; }
.page-content h2 { margin-top: 1.4em; }
.page-content ul { padding-left: 20px; }
.page-content li { margin-bottom: 6px; }

/* ---------- Grille produits/services ---------- */
.detail-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 30px; align-items: start; }
.side-box { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.side-box h3 { font-size: 1rem; }
.side-box ul { list-style: none; padding: 0; margin: 0; }
.side-box ul li { padding: 7px 0; border-bottom: 1px solid #eee; font-size: .9rem; }
.side-box ul li:last-child { border-bottom: 0; }

/* ---------- FAQ ---------- */
.faq-item { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); margin-bottom: 12px; }
.faq-item summary {
    padding: 16px 22px; font-weight: 600; cursor: pointer; color: var(--AFRICAM-blue-dk);
    list-style: none;
}
.faq-item summary::before { content: "+"; color: var(--AFRICAM-blue); font-weight: 700; margin-right: 10px; }
.faq-item[open] summary::before { content: "−"; }
.faq-item .faq-answer { padding: 0 22px 18px; color: var(--AFRICAM-grey); font-size: .93rem; }

/* ---------- Partenaires ---------- */
.partners { display: flex; flex-wrap: wrap; gap: 18px; justify-content: center; align-items: center; }
.partner-logo {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 16px 26px; font-weight: 700; color: var(--AFRICAM-grey); font-size: .95rem;
}

/* ---------- CTA band ---------- */
.cta-band {
    background: linear-gradient(120deg, var(--AFRICAM-blue), var(--AFRICAM-blue-dk));
    border-radius: var(--radius); color: #fff; padding: 44px;
    display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { margin: 0; color: #cdd2f2; }

/* ---------- Footer ---------- */
.site-footer { background: var(--AFRICAM-blue-dk); color: #c3c7ec; margin-top: 60px; }
.footer-grid {
    display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 34px;
    padding: 50px 0 34px;
}
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer ul li { margin-bottom: 8px; }
.site-footer a { color: #c3c7ec; font-size: .9rem; }
.site-footer a:hover { color: var(--AFRICAM-gold); }
.site-footer .f-logo img { height: 56px; background: #fff; border-radius: 8px; padding: 4px; }
.site-footer .f-desc { font-size: .86rem; margin-top: 12px; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.14); padding: 16px 0;
    font-size: .8rem; display: flex; justify-content: space-between; gap: 14px; flex-wrap: wrap;
}
.footer-bottom a { margin-left: 16px; }

/* ---------- Recherche ---------- */
.search-bar { display: flex; gap: 10px; }
.search-bar input { flex: 1; padding: 13px 16px; border: 1.5px solid #d6d8e8; border-radius: 8px; font-size: 1rem; }
.search-result {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 18px 22px; margin-bottom: 14px;
}
.search-result .sr-type { font-size: .72rem; text-transform: uppercase; letter-spacing: .5px; color: var(--AFRICAM-blue); font-weight: 700; }

/* ---------- Pagination ---------- */
.pagination { display: flex; gap: 6px; justify-content: center; margin-top: 30px; }
.pagination a, .pagination span {
    padding: 8px 14px; border-radius: 8px; background: #fff;
    box-shadow: var(--shadow); font-size: .9rem; color: var(--AFRICAM-blue);
}
.pagination span.current { background: var(--AFRICAM-blue); color: #fff; }

/* ---------- Divers ---------- */
.text-center { text-align: center; }
.mt-2 { margin-top: 14px; } .mt-3 { margin-top: 26px; }
.muted { color: var(--AFRICAM-grey); font-size: .9rem; }
.two-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; align-items: start; }
.doc-list { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.doc-list a.doc-row {
    display: flex; align-items: center; gap: 16px;
    padding: 15px 20px; border-bottom: 1px solid #eee; color: var(--AFRICAM-ink); font-size: .92rem;
    transition: background .2s ease;
}
.doc-list a.doc-row:hover { background: var(--AFRICAM-gold-lt); }
.doc-list a.doc-row:last-child { border-bottom: 0; }
.doc-row .doc-ic {
    flex-shrink: 0; width: 42px; height: 42px; border-radius: 11px;
    display: flex; align-items: center; justify-content: center;
    background: #EEF1FB; color: var(--AFRICAM-blue); font-size: 1.25rem;
    transition: transform .2s ease;
}
.doc-list a.doc-row:hover .doc-ic { transform: scale(1.08); }
.doc-row .doc-info { flex: 1; min-width: 0; text-align: left; }
.doc-row .doc-info strong { display: block; color: var(--AFRICAM-blue-dk); font-family: var(--font-head); font-weight: 600; }
.doc-row .doc-meta { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 5px; align-items: center; }
.doc-row .doc-badge {
    font-size: .7rem; font-weight: 600; color: var(--AFRICAM-blue);
    background: #EEF1FB; border-radius: 50px; padding: 2px 10px;
}
.doc-row .doc-badge i { font-size: .62rem; margin-right: 3px; }
.doc-row .doc-date, .doc-row .doc-size { font-size: .74rem; color: var(--AFRICAM-grey); }
.doc-row .doc-date i, .doc-row .doc-size i { margin-right: 3px; }
.doc-row .doc-dl {
    flex-shrink: 0; color: #fff; background: var(--AFRICAM-blue); font-weight: 600; font-size: .78rem;
    white-space: nowrap; border-radius: 50px; padding: 7px 16px;
    font-family: var(--font-head); transition: background .2s ease;
}
.doc-list a.doc-row:hover .doc-dl { background: var(--AFRICAM-blue); }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1024px) {
    .cards { grid-template-columns: repeat(2, 1fr); }
    .market-indices { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    h1 { font-size: 1.7rem; }
    .hero { padding: 52px 0; }
    .hero h1 { font-size: 1.9rem; }
    .nav-toggle { display: block; }
    .main-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; box-shadow: var(--shadow-lg); }
    .main-nav.open { display: block; }
    .main-nav ul { flex-direction: column; }
    .main-nav .submenu { position: static; display: none; box-shadow: none; border-top: 0; padding-left: 16px; }
    .main-nav li.open .submenu { display: block; }

    .topbar .topbar-left span.hours { display: none; }
    .cards, .steps, .tops, .two-cols, .detail-layout, .form-grid { grid-template-columns: 1fr; }
    .ticker { padding-left: 90px; }
    .form-card { padding: 22px; }
    .cta-band { padding: 28px; }
    .footer-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .logo img { height: 48px; }
    .topbar { font-size: .72rem; }
    .hero-badges { gap: 14px; }
    .market-indices { grid-template-columns: 1fr 1fr; }
    .index-card .idx-value { font-size: 1.15rem; }
    .wizard-steps li { padding: 6px 8px; font-size: .75rem; }
}

/* ==========================================================================
   AMÉLIORATIONS V2 — Carousel, chatbot, icônes, carte, raffinements
   ========================================================================== */

/* ---------- Icônes Bootstrap ---------- */
.card .card-icon i { font-style: normal; }
.nav-tag {
    display: inline-block; background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk);
    font-size: .62rem; font-weight: 800; padding: 1px 7px; border-radius: 10px;
    vertical-align: super; margin-left: 4px; letter-spacing: .4px;
}
.topbar .btn i, .site-footer i, .side-box i { margin-right: 4px; }

/* ---------- Hero Carousel ---------- */
.hero-slider { position: relative; overflow: hidden; }
.hero-slide {
    display: none; position: relative; min-height: 460px;
    align-items: center; color: #fff; padding: 80px 0;
    background-size: cover; background-position: center;
}
.hero-slide.active { display: flex; }
.hero-slide::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(20,26,74,.93) 30%, rgba(29,37,96,.72) 65%, rgba(29,37,96,.45));
}
.hero-slide .container { position: relative; z-index: 2; }
.hero-slide .hero-kicker {
    display: inline-block; background: rgba(217,169,91,.18); color: var(--AFRICAM-gold-lt);
    border: 1px solid rgba(217,169,91,.5); padding: 5px 16px; border-radius: 20px;
    font-size: .78rem; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase;
    margin-bottom: 18px;
}
.hero-slide h1 { color: #fff; font-size: 2.55rem; max-width: 640px; font-weight: 700; }
.hero-slide h1 em { color: var(--AFRICAM-gold); font-style: normal; }
.hero-slide p { font-size: 1.1rem; max-width: 560px; color: #dfe2f5; }
.hero-slide .hero-actions { margin-top: 26px; display: flex; gap: 14px; flex-wrap: wrap; }
.hero-badges { display: flex; gap: 26px; margin-top: 38px; flex-wrap: wrap; }
.hero-badge { font-size: .85rem; color: #c8cdec; }
.hero-badge strong { display: block; color: var(--AFRICAM-gold); font-size: 1.3rem; }

.hero-nav {
    position: absolute; bottom: 26px; left: 0; right: 0; z-index: 3;
    display: flex; justify-content: center; gap: 10px;
}
.hero-dot {
    width: 34px; height: 4px; border-radius: 2px; border: 0; cursor: pointer;
    background: rgba(255,255,255,.35); transition: background .25s ease;
}
.hero-dot.active { background: var(--AFRICAM-gold); }
.hero-arrow {
    position: absolute; top: 50%; transform: translateY(-50%); z-index: 3;
    width: 46px; height: 46px; border-radius: 50%; border: 0; cursor: pointer;
    background: rgba(255,255,255,.12); color: #fff; font-size: 1.15rem;
    backdrop-filter: blur(4px); transition: background .2s ease;
}
.hero-arrow:hover { background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk); }
.hero-arrow.prev { left: 22px; }
.hero-arrow.next { right: 22px; }
@keyframes heroFade { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.hero-slide.active .container { animation: heroFade .7s ease both; }

/* ---------- Cartes enrichies ---------- */
.card-img {
    height: 170px; margin: -26px -26px 18px; border-radius: 6px 6px 0 0;
    background-size: cover; background-position: center;
}
.card .card-icon.bicon {
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    box-shadow: 0 6px 16px rgba(42,52,133,.28);
}

/* ---------- Page contact : carte ---------- */
.map-box {
    border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow);
    border: 4px solid #fff; margin-top: 8px;
}
.map-box iframe { display: block; width: 100%; height: 340px; border: 0; }

/* ---------- Chatbot ---------- */
.chatbot { position: fixed; right: 18px; bottom: 18px; z-index: 1000; }
.chatbot-toggle {
    width: 46px; height: 46px; border-radius: 50%; border: 0; cursor: pointer;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-dk));
    color: #fff; font-size: 1.15rem; box-shadow: 0 8px 20px rgba(15,20,50,.35);
    transition: transform .2s ease;
}
.chatbot-toggle:hover { transform: scale(1.08); }
.chatbot-toggle .bi-x-lg { font-size: 1rem; }
.chatbot-panel {
    position: absolute; right: 0; bottom: 58px; width: 300px; max-width: calc(100vw - 36px);
    background: #fff; border-radius: 14px; box-shadow: 0 14px 40px rgba(20,26,74,.30);
    display: flex; flex-direction: column; overflow: hidden;
    animation: cbIn .22s ease both;
}
.chatbot-panel[hidden] { display: none; }
@keyframes cbIn { from { opacity: 0; transform: translateY(12px) scale(.96); } to { opacity: 1; transform: none; } }
.chatbot-head {
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk), var(--AFRICAM-blue));
    color: #fff; padding: 10px 14px; display: flex; justify-content: space-between; align-items: center;
}
.chatbot-head strong { font-size: .88rem; display: block; }
.chatbot-sub { font-size: .7rem; color: #c8cdec; }
.chatbot-close { background: none; border: 0; color: #fff; font-size: .85rem; cursor: pointer; opacity: .8; padding: 4px; }
.chatbot-close:hover { opacity: 1; }
.chatbot-body { padding: 12px; height: 240px; overflow-y: auto; background: var(--AFRICAM-bg); }
.cb-msg {
    max-width: 88%; padding: 8px 12px; border-radius: 12px; font-size: .82rem;
    margin-bottom: 8px; line-height: 1.5;
}
.cb-bot { background: #fff; color: var(--AFRICAM-ink); border-bottom-left-radius: 4px; box-shadow: var(--shadow); }
.cb-user { background: var(--AFRICAM-blue); color: #fff; margin-left: auto; border-bottom-right-radius: 4px; }
.cb-msg a { color: var(--AFRICAM-blue); font-weight: 600; }
.cb-bot a { color: var(--AFRICAM-blue); }
.cb-suggest { display: flex; flex-wrap: wrap; gap: 6px; margin: 4px 0 8px; }
.cb-suggest button {
    background: #fff; border: 1.5px solid var(--AFRICAM-blue); color: var(--AFRICAM-blue);
    border-radius: 20px; padding: 4px 11px; font-size: .72rem; font-weight: 600; cursor: pointer;
}
.cb-suggest button:hover { background: var(--AFRICAM-blue); color: #fff; }
.chatbot-form { display: flex; border-top: 1px solid #e5e6f0; }
.chatbot-form input {
    flex: 1; border: 0; padding: 11px 14px; font-size: .84rem; font-family: inherit;
}
.chatbot-form input:focus { outline: none; }
.chatbot-form button {
    border: 0; background: var(--AFRICAM-blue); color: #fff; padding: 0 16px;
    font-size: .95rem; cursor: pointer;
}
.cb-typing { color: var(--AFRICAM-grey); font-style: italic; font-size: .78rem; }

/* ---------- Bandeau AFRICAM ---------- */
.africam-banner {
    display: grid; grid-template-columns: 1.1fr 1fr; gap: 0;
    border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg);
    background: #fff;
}
.africam-banner .af-img { min-height: 300px; background-size: cover; background-position: center; }
.africam-banner .af-body { padding: 38px 40px; }
.africam-banner .af-body h2 { margin-top: 0; }
.africam-rate {
    display: inline-block; background: #fdf3e3; border-left: 4px solid var(--AFRICAM-gold);
    padding: 10px 18px; border-radius: 8px; font-size: .95rem; margin: 10px 0 18px;
}
.africam-rate strong { color: var(--AFRICAM-blue); font-size: 1.4rem; }

/* ---------- Page paiement ---------- */
.pay-card {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 28px; text-align: center;
}
.pay-card i { font-size: 2.2rem; color: var(--AFRICAM-blue); }
.pay-card h3 { margin: 12px 0 8px; }

/* ---------- Responsive V2 ---------- */
@media (max-width: 900px) {
    .africam-banner { grid-template-columns: 1fr; }
    .africam-banner .af-img { min-height: 220px; }
}
@media (max-width: 768px) {
    .hero-slide { min-height: 400px; padding: 64px 0 84px; }
    .hero-slide h1 { font-size: 1.85rem; }
    .hero-arrow { display: none; }
    .chatbot-panel { position: fixed; right: 10px; left: 10px; bottom: 76px; width: auto; }
}

/* ==========================================================================
   V3 — REFONTE DESIGN : typographies, ombres douces, animations, polish
   ========================================================================== */

:root {
    --AFRICAM-bg: #F4F6FB;
    --radius: 16px;
    --shadow: 0 6px 24px rgba(29, 37, 96, .07);
    --shadow-lg: 0 18px 44px rgba(29, 37, 96, .14);
    --font: "Inter", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
    --font-head: "Poppins", "Inter", Arial, sans-serif;
}

body { background: var(--AFRICAM-bg); letter-spacing: .1px; }
h1, h2, h3, h4, .section-title, .hero-slide h1, .page-head h1 {
    font-family: var(--font-head); letter-spacing: -.2px;
}

/* ---------- Boutons : style pilule moderne ---------- */
.btn {
    border-radius: 50px; padding: 13px 30px;
    font-family: var(--font-head); letter-spacing: .2px;
    transition: transform .22s ease, box-shadow .22s ease, background .22s ease, color .22s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
    background: linear-gradient(135deg, #4A58B8, var(--AFRICAM-blue) 60%, var(--AFRICAM-blue-dk));
    box-shadow: 0 4px 14px rgba(15,20,50,.28);
}
.btn-primary:hover { box-shadow: 0 5px 16px rgba(15,20,50,.22); background: var(--AFRICAM-blue-lt); }
.btn-gold {
    background: linear-gradient(135deg, var(--AFRICAM-gold-lt), var(--AFRICAM-gold));
    box-shadow: 0 4px 14px rgba(15,20,50,.24);
}
.btn-gold:hover { box-shadow: 0 5px 16px rgba(15,20,50,.20); background: #E8C57E; }
.btn-light { box-shadow: 0 3px 10px rgba(15,20,50,.18); }
.btn-light:hover { background: #fff; }
.btn-outline { border-radius: 50px; }
.btn-outline:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn-sm { padding: 8px 18px; }

/* ---------- Topbar / Ticker / En-tête ---------- */
.topbar { background: linear-gradient(90deg, #171D4A, var(--AFRICAM-blue-dk)); }
.topbar .btn { padding: 6px 16px; }
.ticker-wrap { border-bottom-color: var(--AFRICAM-gold); }
.ticker-item .sym { color: var(--AFRICAM-gold-lt); }

.site-header { transition: box-shadow .25s ease; border-bottom: 1px solid rgba(29,37,96,.06); }
.site-header.scrolled { box-shadow: var(--shadow-lg); }
.main-nav a.nav-link { border-radius: 50px; font-family: var(--font-head); font-weight: 500; }
.main-nav a.nav-link:hover { background: #EEF1FB; }
.main-nav .submenu { border-radius: 14px; border-top: 3px solid var(--AFRICAM-gold); padding: 10px; }
.main-nav .submenu a { border-radius: 8px; }

/* ---------- Sections : rythme et titres ---------- */
.section { padding: 76px 0; }
.section-title { font-size: 1.9rem; font-weight: 700; }
.section-title::after {
    width: 72px; height: 4px; margin-top: 14px;
    background: linear-gradient(90deg, var(--AFRICAM-blue), var(--AFRICAM-gold));
    border-radius: 4px;
}
.section-subtitle { font-size: 1.02rem; }

/* ---------- Cartes : angles doux + survol ---------- */
.card {
    border-top: 0; border: 1px solid rgba(29,37,96,.06);
    padding: 30px 26px;
}
.card:hover { transform: translateY(-6px); }
.card .card-icon, .card .card-icon.bicon {
    width: 60px; height: 60px; border-radius: 18px;
    font-size: 1.55rem; color: #fff;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    box-shadow: 0 10px 22px rgba(42,52,133,.30);
}
.card .card-link::after { content: " →"; transition: margin .2s; }
.card:hover .card-link { color: var(--AFRICAM-blue); }

.index-card { border: 1px solid rgba(29,37,96,.06); border-radius: 14px; transition: transform .2s ease, box-shadow .2s ease; }
.index-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.index-card .idx-value { font-family: var(--font-head); }

.step { border: 1px solid rgba(29,37,96,.06); border-radius: 14px; }
.step::before { border-radius: 50px; font-family: var(--font-head); }

.top-box { border: 1px solid rgba(29,37,96,.06); }
.side-box { border: 1px solid rgba(29,37,96,.06); }

/* ---------- Hero / slides ---------- */
.hero-slide h1 { font-weight: 700; letter-spacing: -.5px; }
.hero-slide .hero-kicker { font-family: var(--font-head); }
.hero-dot { height: 5px; border-radius: 3px; }

/* ---------- Bandeau CTA ---------- */
.cta-band {
    border-radius: 20px; padding: 52px;
    background: linear-gradient(120deg, var(--AFRICAM-blue) 0%, var(--AFRICAM-blue-dk) 100%);
    box-shadow: var(--shadow-lg);
}

/* ---------- Formulaires ---------- */
.form-card { border: 1px solid rgba(29,37,96,.06); border-radius: 18px; }
.form-group input, .form-group select, .form-group textarea {
    border-radius: 10px; background: #FBFCFE;
    transition: border-color .18s ease, box-shadow .18s ease;
}
.type-card { border-radius: 14px; }
.wizard-steps li.active::before { box-shadow: 0 0 0 5px rgba(42,52,133,.12); }

/* ---------- Alertes ---------- */
.alert { border-radius: 12px; }

/* ---------- Apparition au défilement ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.revealed { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
    .reveal { opacity: 1; transform: none; transition: none; }
    html { scroll-behavior: auto; }
}

/* ---------- Retour en haut ---------- */
.to-top {
    position: fixed; right: 18px; bottom: 76px; z-index: 990;
    width: 42px; height: 42px; border-radius: 50%; border: 0; cursor: pointer;
    background: var(--AFRICAM-blue); color: #fff; font-size: 1rem;
    box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden;
    transform: translateY(10px); transition: all .25s ease;
}
.to-top.show { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--AFRICAM-blue-lt); }

/* ---------- Pied de page ---------- */
.site-footer { background: linear-gradient(180deg, #1A2152, var(--AFRICAM-blue-dk)); }
.site-footer h4 { font-family: var(--font-head); letter-spacing: .2px; }
.site-footer h4::after {
    content: ""; display: block; width: 34px; height: 3px; margin-top: 8px;
    background: var(--AFRICAM-gold); border-radius: 2px;
}
.site-footer a { transition: color .18s ease, padding-left .18s ease; }
.site-footer ul a:hover { padding-left: 5px; }

/* ---------- Page head ---------- */
.page-head {
    padding: 54px 0;
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk), var(--AFRICAM-blue));
}
.page-head h1 { font-size: 2.2rem; font-weight: 700; }

/* ---------- Tableaux ---------- */
.market-table { border-radius: 12px; overflow: hidden; box-shadow: var(--shadow); }
.market-table tbody tr:hover { background: #FBF3E2; }

/* ---------- Divers ---------- */
.news-card .news-img { border-radius: 0; }
.faq-item { border: 1px solid rgba(29,37,96,.06); }
.faq-item summary { font-family: var(--font-head); font-weight: 600; }
.doc-list { border: 1px solid rgba(29,37,96,.06); }
.search-bar input { border-radius: 50px; }
.search-bar .btn { border-radius: 50px; }
.pagination a, .pagination span { border-radius: 50px; }

/* ==========================================================================
   V4 — REFONTE APPROFONDIE (style template pro) : hero XL, kickers,
   icon-boxes, bandeau chiffres, survols riches
   ========================================================================== */

:root {
    --AFRICAM-bg: #F2F5FA;
    --radius: 18px;
    --shadow: 0 8px 30px rgba(23, 30, 74, .08);
    --shadow-lg: 0 24px 56px rgba(23, 30, 74, .15);
}

.container { max-width: 1180px; }
.section { padding: 92px 0; }
.section-alt { background: #fff; }

/* ---------- Kicker (étiquette de section) ---------- */
.kicker {
    display: inline-flex; align-items: center; gap: 8px;
    margin: 0 auto 14px; padding: 7px 18px;
    background: #fff; color: var(--AFRICAM-blue);
    border: 1px solid rgba(42,52,133,.18); border-radius: 50px;
    font-family: var(--font-head); font-size: .75rem; font-weight: 600;
    letter-spacing: 1.6px; text-transform: uppercase;
    box-shadow: 0 3px 10px rgba(15,20,50,.08);
}
.section > .container > .kicker { display: flex; width: max-content; }
.section-alt .kicker { background: var(--AFRICAM-bg); }
.section-title { font-size: 2.1rem; margin-bottom: 12px; }
.section-subtitle { font-size: 1.05rem; margin-bottom: 48px; }

/* ---------- Hero : plus haut, plus impactant ---------- */
.hero-slide { min-height: 600px; padding: 110px 0 120px; }
.hero-slide::before {
    background: linear-gradient(100deg, rgba(16,21,60,.96) 25%, rgba(29,37,96,.82) 60%, rgba(29,37,96,.50));
}
.hero-slide h1 { font-size: 3rem; max-width: 680px; line-height: 1.15; }
.hero-slide p { font-size: 1.15rem; max-width: 580px; color: #e4e7f9; }
.hero-kicker {
    gap: 8px; padding: 8px 20px; font-family: var(--font-head);
    border-radius: 50px; font-size: .8rem; letter-spacing: 1.6px;
}
.btn-ghost {
    border: 1.5px solid rgba(255,255,255,.55); color: #fff; background: rgba(255,255,255,.08);
    backdrop-filter: blur(4px);
}
.btn-ghost:hover { background: #fff; color: var(--AFRICAM-blue-dk); border-color: #fff; }
.hero-badges { gap: 40px; margin-top: 52px; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.16); max-width: 640px; }
.hero-badge strong { font-family: var(--font-head); font-size: 1.45rem; }
.hero-arrow { width: 50px; height: 50px; }
.hero-arrow.prev { left: 30px; } .hero-arrow.next { right: 30px; }

/* ---------- Bandeau chiffres ---------- */
.stats-band {
    background: #fff; padding: 0;
    box-shadow: var(--shadow); position: relative; z-index: 5;
    margin: -46px auto 0; max-width: 1140px; border-radius: 20px;
}
.stats-band .container { padding: 34px 30px; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.stat-item { text-align: center; position: relative; }
.stat-item:not(:last-child)::after {
    content: ""; position: absolute; right: -13px; top: 12%; height: 76%;
    width: 1px; background: #E4E7F2;
}
.stat-item i {
    display: inline-flex; align-items: center; justify-content: center;
    width: 52px; height: 52px; border-radius: 16px; margin-bottom: 12px;
    background: linear-gradient(135deg, #EEF1FB, #FDF3E3);
    color: var(--AFRICAM-blue); font-size: 1.4rem;
}
.stat-item strong {
    display: block; font-family: var(--font-head);
    font-size: 1.5rem; color: var(--AFRICAM-blue-dk);
}
.stat-item span { font-size: .85rem; color: var(--AFRICAM-grey); }

/* ---------- Cartes icon-box ---------- */
.card { border-radius: var(--radius); }
.card .card-icon, .card .card-icon.bicon {
    width: 64px; height: 64px; border-radius: 20px;
    background: linear-gradient(135deg, #EEF1FB, #E3E9F8);
    color: var(--AFRICAM-blue); box-shadow: none;
    transition: all .25s ease;
}
.card:hover .card-icon {
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    color: #fff; box-shadow: 0 8px 18px rgba(15,20,50,.22);
    transform: scale(1.05) rotate(-3deg);
}
.card h3 { font-size: 1.12rem; font-weight: 600; }
.card .card-link { color: var(--AFRICAM-blue); }

/* ---------- Indices / Tops ---------- */
.index-card { border-radius: 16px; padding: 22px 16px; }
.index-card .idx-value { font-size: 1.65rem; }
.top-box { border-radius: 16px; }
.top-box h3 { font-family: var(--font-head); font-weight: 600; }

/* ---------- Actualités : image avec zoom ---------- */
.news-card .news-img { transition: transform .4s ease; font-size: 2rem; }
.news-card:hover .news-img { transform: scale(1.04); }
.news-card h3 { font-weight: 600; }

/* ---------- Étapes ---------- */
.step { border-radius: 16px; padding: 34px 26px 26px; }
.step h3 { font-size: 1.02rem; font-weight: 600; }

/* ---------- AFRICAM ---------- */
.africam-banner { border-radius: 20px; }
.africam-banner .af-body h2 { font-size: 1.7rem; }
.africam-rate { border-radius: 12px; }

/* ---------- FAQ / documents ---------- */
.faq-item { border-radius: 14px; }
.faq-item summary { padding: 18px 24px; font-size: .98rem; }
.doc-list { border-radius: 14px; }

/* ---------- Bandeau CTA ---------- */
.cta-band { border-radius: 24px; padding: 56px; }

/* ---------- Chatbot / retour haut : cohérence ---------- */
.chatbot-toggle { border-radius: 16px; }
.to-top { border-radius: 14px; }

/* ---------- Responsive V4 ---------- */
@media (max-width: 1024px) {
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .stat-item:nth-child(2)::after { display: none; }
}
@media (max-width: 768px) {
    .section { padding: 60px 0; }
    .section-title { font-size: 1.65rem; }
    .hero-slide { min-height: 480px; padding: 76px 0 96px; }
    .hero-slide h1 { font-size: 2.1rem; }
    .hero-badges { gap: 20px; }
    .stats-band { margin: -30px 16px 0; }
    .stats-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
    .stat-item::after { display: none !important; }
    .cta-band { padding: 34px; }
}

/* ---------- V4.1 — Topbar compacte sur une ligne ---------- */
.topbar { font-size: .74rem; }
.topbar .container { flex-wrap: nowrap; gap: 12px; padding-top: 7px; padding-bottom: 7px; }
.topbar .topbar-left { display: flex; align-items: center; gap: 16px; min-width: 0; flex: 1 1 auto; overflow: hidden; }
.topbar .topbar-left span { margin-right: 0; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.topbar .topbar-left i { color: var(--AFRICAM-gold); margin-right: 5px; flex-shrink: 0; }
.topbar .topbar-right { display: flex; align-items: center; gap: 14px; white-space: nowrap; flex-shrink: 0; margin-left: auto; }
.topbar .topbar-cta {
    flex: 0 0 auto; display: flex; align-items: center; white-space: nowrap;
}
.topbar .cta-top { display: flex; align-items: center; gap: 8px; flex-wrap: nowrap; }
.topbar .socials a { font-size: .9rem; margin-left: 8px; }
.topbar .socials a i { margin-right: 0; }
.cta-top { display: flex; align-items: center; gap: 8px; }
.cta-top a { margin-left: 0; }

/* Boutons compacts de la topbar */
.btn-xs {
    padding: 5px 14px; font-size: .7rem; font-weight: 600;
    letter-spacing: .5px; text-transform: uppercase; border-radius: 50px;
}
.btn-xs:hover { transform: none; }
.btn-xs i { font-size: .72rem; }

/* Bouton fantôme de la topbar (paiement) — texte toujours lisible */
.btn-ghost-top {
    border: 1px solid rgba(255,255,255,.45); color: #fff;
    background: rgba(255,255,255,.10);
}
.btn-ghost-top:hover { background: #fff; color: var(--AFRICAM-blue-dk) !important; border-color: #fff; }

/* Les boutons de la topbar gardent leur couleur de texte
   malgré la règle générique .topbar a { color:#fff } */
.topbar a.btn-gold { color: var(--AFRICAM-blue-dk); }
.topbar a.btn-primary { color: #fff; }
.topbar a.btn-ghost-top { color: #fff; }
.topbar a.btn-ghost-top:hover { color: var(--AFRICAM-blue-dk); }
.topbar a.btn-light { color: var(--AFRICAM-blue-dk); }
.topbar a.btn-light:hover { color: var(--AFRICAM-blue-dk); }

@media (max-width: 1500px) {
    .topbar .topbar-left .hours { display: none; }
}
@media (max-width: 1280px) {
    .topbar .topbar-left .email2, .topbar .topbar-left span:nth-child(2) { display: none; }
}
@media (max-width: 1050px) {
    .topbar .socials { display: none; }
}
@media (max-width: 1100px) {
    .topbar .topbar-left span:first-child { display: none; }
}
@media (max-width: 900px) {
    .topbar .container { flex-wrap: wrap; justify-content: center; }
    .topbar .topbar-left { flex: 1 1 100%; justify-content: center; }
    .topbar .topbar-cta { flex-basis: 100%; justify-content: center; }
    .cta-top { flex-wrap: wrap; justify-content: center; row-gap: 6px; }
}
@media (max-width: 480px) {
    .topbar .btn-xs { padding: 5px 11px; font-size: .66rem; }
    .cta-top { gap: 6px; }
}

/* ---------- V4.2 — Menu compact sur une ligne ---------- */
.main-nav ul { gap: 0; }
.main-nav a.nav-link {
    padding: 9px 11px; font-size: .86rem; font-weight: 500;
    color: #3A4160;
}
.main-nav a.nav-link:hover, .main-nav li:hover > a.nav-link {
    color: var(--AFRICAM-blue); background: transparent;
}
.main-nav > ul > li > a.nav-link::after {
    content: ""; display: block; height: 2px; margin-top: 3px;
    background: var(--AFRICAM-gold); border-radius: 2px;
    transform: scaleX(0); transition: transform .22s ease;
    transform-origin: left;
}
.main-nav > ul > li:hover > a.nav-link::after,
.main-nav > ul > li > a.nav-link:hover::after { transform: scaleX(1); }
.nav-ext { font-size: .68rem; margin-left: 3px; color: var(--AFRICAM-gold); }
.main-nav .submenu a::after { display: none; }

@media (max-width: 1200px) {
    .main-nav a.nav-link { padding: 9px 8px; font-size: .82rem; }
}

/* ---------- V4.3 — Encart horaires dans l'angle du carousel ---------- */
.hero-corner {
    position: absolute; right: 26px; top: 26px; z-index: 4;
    display: flex; flex-direction: column; gap: 6px;
    background: rgba(20,26,74,.55); backdrop-filter: blur(8px);
    border: 1px solid rgba(255,255,255,.16); border-left: 3px solid var(--AFRICAM-gold);
    border-radius: 14px; padding: 14px 20px;
    color: #dfe2f5; font-size: .8rem;
}
.hero-corner i { color: var(--AFRICAM-gold); margin-right: 7px; }
.hero-corner strong { color: #fff; font-family: var(--font-head); font-weight: 600; }

@media (max-width: 768px) {
    .hero-corner { right: 12px; top: 12px; left: 12px; padding: 10px 14px; font-size: .72rem; }
}

/* ---------- V4.4 — Pied de page amélioré ---------- */
.site-footer {
    position: relative;
    background: url('../images/site/hero-finance.jpg') center/cover no-repeat;
    border-top: 3px solid var(--AFRICAM-gold);
    padding-top: 38px;
}
.site-footer::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.96) 25%, rgba(29,37,96,.88) 60%, rgba(29,37,96,.72));
}
.site-footer .container { position: relative; z-index: 2; }
.footer-grid { gap: 40px; }
.f-logo img { background: #fff; padding: 6px 10px; border-radius: 12px; box-shadow: 0 8px 20px rgba(0,0,0,.28); }
.f-desc { font-size: .88rem; line-height: 1.65; color: #EDEFFA; text-align: justify; }
.f-desc strong { color: #fff; font-size: .95rem; }
.f-social { display: flex; gap: 10px; margin-top: 14px; }
.f-social a {
    width: 34px; height: 34px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.16);
    color: #F0F2FB; font-size: .95rem; transition: all .22s ease;
}
.f-social a:hover { background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk); transform: translateY(-3px); border-color: transparent; }
.site-footer h4 {
    font-family: var(--font-head); font-size: .95rem; letter-spacing: .5px;
    color: #fff; margin-bottom: 14px; position: relative; padding-bottom: 9px;
    text-transform: uppercase;
}
.site-footer h4::after {
    content: ""; position: absolute; left: 0; bottom: 0;
    width: 32px; height: 3px; border-radius: 3px;
    background: linear-gradient(90deg, var(--AFRICAM-blue), var(--AFRICAM-gold));
}
.site-footer ul li { margin-bottom: 7px; }
.site-footer ul li a {
    color: #EDEFFA; font-size: .92rem; transition: all .2s ease;
}
.site-footer ul li a:hover { color: var(--AFRICAM-gold-lt); padding-left: 6px; }
.f-contact li { display: flex; gap: 10px; color: #E6E9F8; font-size: .9rem; line-height: 1.7; }
.f-contact i { color: var(--AFRICAM-gold); font-size: 1rem; margin-top: 3px; flex-shrink: 0; }
.f-contact a { color: #E6E9F8; }
.f-contact a:hover { color: var(--AFRICAM-gold-lt); }
.footer-bottom {
    margin-top: 28px; padding: 14px 0 16px;
    border-top: 1px solid rgba(255,255,255,.16);
    font-size: .84rem; color: #C9CFEE;
}
.footer-bottom a { color: #E6E9F8; margin-left: 18px; }
.footer-bottom a:hover { color: var(--AFRICAM-gold-lt); }

/* ---------- V4.5 — Images illustratives ---------- */
/* En-têtes de pages internes : photo de cotation voilée */
.page-head {
    position: relative; overflow: hidden;
    background: url('../images/site/marche-cotation.jpg') center 35%/cover no-repeat;
}
.page-head::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(110deg, rgba(16,21,60,.94) 20%, rgba(29,37,96,.80) 60%, rgba(29,37,96,.55));
}
.page-head .container { position: relative; z-index: 2; }

/* Image dans la colonne « Pourquoi la AFRICAM » */
.why-img {
    height: 250px; margin-top: 22px; border-radius: 16px;
    background-size: cover; background-position: center;
    box-shadow: 0 18px 40px rgba(42,52,133,.22);
    border: 1px solid rgba(42,52,133,.08);
}

/* Cartes actualités : photo réelle */
.news-card .news-img {
    background-size: cover; background-position: center;
    border-radius: 0;
}
.news-card .news-img::after {
    content: ""; display: block; height: 100%;
    background: linear-gradient(180deg, transparent 55%, rgba(20,26,74,.55));
}

/* Bandeau image de la section Éducation */
.edu-img {
    height: 300px; margin: 0 auto 34px; max-width: 1000px;
    border-radius: 18px; background-size: cover; background-position: center 40%;
    box-shadow: 0 20px 44px rgba(42,52,133,.22);
    border: 1px solid rgba(42,52,133,.08);
    position: relative; overflow: hidden;
}
.edu-img::after {
    content: "L’École de la Bourse — former les investisseurs de demain";
    position: absolute; left: 0; right: 0; bottom: 0;
    padding: 14px 22px; color: #fff; font-family: var(--font-head);
    font-size: .9rem; font-weight: 500;
    background: linear-gradient(180deg, transparent, rgba(20,26,74,.82));
}

/* Bandeau CTA avec photo de fond */
.cta-band.cta-photo {
    position: relative; overflow: hidden;
    background: url('../images/site/acbfff_4af6d23f79c44c43b21226adb4544d7c~mv2_d_4896_3264_s_4_2.jpg') center 60%/cover no-repeat;
}
.cta-band.cta-photo::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(110deg, rgba(16,21,60,.93) 25%, rgba(29,37,96,.78) 65%, rgba(29,37,96,.5));
}
.cta-band.cta-photo > * { position: relative; z-index: 2; }

@media (max-width: 768px) {
    .edu-img { height: 200px; }
    .why-img { height: 190px; }
}

/* ---------- V4.6 — Bande partenaires « Nous ont fait confiance » ---------- */
.trust-band {
    background: #fff; padding: 34px 0 30px;
    border-top: 1px solid #E4E9F6;
}
.trust-title {
    text-align: center; font-family: 'Georgia', 'Times New Roman', serif;
    font-style: italic; font-size: 1.25rem; color: var(--AFRICAM-blue);
    margin: 0 0 18px; letter-spacing: .3px;
}
.trust-marquee { overflow: hidden; position: relative; }
.trust-marquee::before, .trust-marquee::after {
    content: ""; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2;
}
.trust-marquee::before { left: 0; background: linear-gradient(90deg, #fff, transparent); }
.trust-marquee::after { right: 0; background: linear-gradient(-90deg, #fff, transparent); }
.trust-track {
    display: flex; align-items: center; width: max-content;
    animation: trustScroll 55s linear infinite;
}
.trust-item {
    display: flex; align-items: center; justify-content: center;
    gap: 10px;
    height: 74px; min-width: 120px; padding: 10px 26px; flex-shrink: 0;
}
.trust-item i { margin-right: 4px; font-size: 1.15rem; color: var(--AFRICAM-blue); }
.trust-item img {
    max-height: 54px; max-width: 110px; display: block;
    filter: grayscale(35%); opacity: .9; transition: all .25s ease;
}
.trust-item img:hover { filter: none; opacity: 1; transform: scale(1.08); }
.trust-marquee:hover .trust-track { animation-play-state: paused; }
@keyframes trustScroll {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
    .trust-track { animation: none; }
}

/* ---------- V4.7 — Image d'en-tête sur les cartes ---------- */
.card { overflow: hidden; }
.card-top-img {
    height: 150px; margin: -30px -26px 0;
    background-size: cover; background-position: center;
    position: relative;
}
.card-top-img::after {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(180deg, rgba(29,37,96,.05) 40%, rgba(29,37,96,.45));
}
.card-top-img + .card-icon {
    position: relative; margin-top: -32px; z-index: 2;
    border: 4px solid #fff; box-shadow: 0 10px 24px rgba(29,37,96,.25);
}
.card:hover .card-top-img { }
.card .card-top-img { transition: transform .4s ease; }
.card:hover .card-top-img { transform: scale(1.04); }

/* ---------- V4.8 — Conditions d'ouverture de compte ---------- */
.open-choice { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; max-width: 820px; margin: 0 auto 38px; }
.choice-card {
    background: #fff; border: 1.5px solid #E4E9F6; border-radius: 16px;
    padding: 22px 24px; text-align: center; text-decoration: none;
    box-shadow: 0 8px 24px rgba(42,52,133,.08); transition: all .25s ease;
    display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.choice-card:hover { transform: translateY(-4px); border-color: var(--AFRICAM-blue); box-shadow: 0 14px 32px rgba(42,52,133,.16); }
.choice-ic {
    width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
    background: #EEF1FB; color: var(--AFRICAM-blue); font-size: 1.5rem; margin-bottom: 6px;
    transition: all .25s ease;
}
.choice-card:hover .choice-ic { background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt)); color: #fff; }
.choice-card strong { font-family: var(--font-head); color: var(--AFRICAM-blue); font-size: 1.02rem; }
.choice-desc { font-size: .84rem; color: #5A6294; line-height: 1.5; }
.choice-cta { font-family: var(--font-head); font-size: .8rem; font-weight: 600; color: var(--AFRICAM-blue); margin-top: 6px; }
.choice-cta i { transition: transform .2s ease; }
.choice-card:hover .choice-cta i { transform: translateY(2px); }
.choice-card--primary { border-color: var(--AFRICAM-gold); background: linear-gradient(160deg, #FFFDF6, #FFF6E6); }
.choice-card--primary .choice-ic { background: #FBEFD3; color: #B8860B; }
.anchor-title {
    font-family: var(--font-head); color: var(--AFRICAM-blue); font-size: 1.35rem;
    text-align: center; margin: 0 auto 22px; max-width: 980px; scroll-margin-top: 110px;
}
.anchor-title i { color: var(--AFRICAM-gold); margin-right: 8px; }
.cond-next { text-align: center; margin: 0 0 34px; }
.cond-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; max-width: 980px; margin: 0 auto 18px; }
.cond-box {
    background: #fff; border: 1px solid #E4E9F6; border-radius: 16px;
    padding: 24px 26px; box-shadow: 0 8px 24px rgba(42,52,133,.08);
}
.cond-box h3 {
    font-family: var(--font-head); color: var(--AFRICAM-blue); font-size: 1.05rem;
    margin: 0 0 12px; padding-bottom: 10px; border-bottom: 2px solid var(--AFRICAM-gold);
}
.cond-box h3 i { color: var(--AFRICAM-blue); margin-right: 8px; }
.cond-sub { font-family: var(--font-head); font-size: .8rem; font-weight: 600; text-transform: uppercase; letter-spacing: .5px; color: var(--AFRICAM-blue); margin: 14px 0 8px; }
.cond-list { list-style: none; padding: 0; margin: 0; }
.cond-list li { font-size: .88rem; color: #3E4670; padding: 4px 0 4px 20px; position: relative; line-height: 1.55; }
.cond-list li::before { content: "❖"; position: absolute; left: 0; color: var(--AFRICAM-gold); font-size: .7rem; top: 7px; }
.cond-note { font-size: .82rem; color: #5A6294; background: #F2F5FA; border-left: 3px solid var(--AFRICAM-gold); border-radius: 8px; padding: 10px 14px; margin: 14px 0 0; line-height: 1.55; }
.cond-note i { color: var(--AFRICAM-blue); margin-right: 6px; }
.depot-min {
    max-width: 980px; margin: 0 auto 30px; display: flex; gap: 12px; align-items: center;
    background: linear-gradient(120deg, #FFF6E8, #FDEFD8); border: 1px solid #F0D9A8;
    border-radius: 14px; padding: 14px 20px; color: #7A5A1E; font-size: .9rem;
}
.depot-min i { font-size: 1.4rem; color: var(--AFRICAM-gold); flex-shrink: 0; }
.depot-min strong { color: #B8860B; }

/* Profil de risque : cartes radio */
.risk-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.risk-card {
    border: 1.5px solid #E4E9F6; border-radius: 14px; padding: 14px 16px;
    cursor: pointer; transition: all .2s ease; background: #FAFBFE;
}
.risk-card strong { display: block; font-family: var(--font-head); color: var(--AFRICAM-blue); font-size: .95rem; margin-bottom: 4px; }
.risk-card span { font-size: .8rem; color: #5A6294; line-height: 1.5; display: block; }
.risk-card input { position: absolute; opacity: 0; }
.risk-card:hover { border-color: var(--AFRICAM-blue-lt); }
.risk-card:has(input:checked) { border-color: var(--AFRICAM-blue); background: #EEF1FB; box-shadow: 0 8px 20px rgba(42,52,133,.14); }
.risk-card:has(input:checked) strong { color: var(--AFRICAM-blue); }

/* Documents à joindre (étape 4) */
.docs-join {
    background: #F2F5FA; border: 1px solid #E4E9F6; border-radius: 14px;
    padding: 18px 22px; margin-bottom: 22px;
}
.docs-join h3 { font-family: var(--font-head); font-size: .98rem; color: var(--AFRICAM-blue); margin: 0 0 10px; }
.docs-join h3 i { color: var(--AFRICAM-gold); margin-right: 8px; }
.docs-join .muted { font-size: .84rem; margin: 10px 0 0; }
.doc-hint { font-size: .84rem; color: #5A6294; margin: 0 0 12px; }
.doc-hint i { color: var(--AFRICAM-blue); margin-right: 6px; }
.doc-upload {
    display: flex; align-items: center; justify-content: space-between; gap: 14px;
    background: #fff; border: 1px dashed #C9D2EC; border-radius: 10px;
    padding: 9px 14px; margin-bottom: 8px;
}
.doc-upload label { font-size: .85rem; color: #3E4670; font-weight: 500; margin: 0; }
.doc-upload input[type="file"] { font-size: .78rem; color: #5A6294; max-width: 55%; }
.doc-upload input[type="file"]::file-selector-button {
    font-family: var(--font-head); font-size: .74rem; font-weight: 600;
    background: var(--AFRICAM-blue); color: #fff; border: 0; border-radius: 50px;
    padding: 5px 14px; margin-right: 10px; cursor: pointer;
}
.doc-upload input[type="file"]::file-selector-button:hover { background: var(--AFRICAM-blue); }
.doc-upload { flex-wrap: wrap; }
.doc-upload.has-error { border-color: var(--AFRICAM-red); background: #FEF6F6; }
.file-names { width: 100%; font-size: .76rem; color: #5A6294; margin-top: 4px; }

/* ===== Calendrier des dividendes ===== */
.div-cal { max-width: 1080px; margin: 0 auto 34px; }
.div-cal-year {
    font-family: var(--font-head); font-weight: 700; color: var(--AFRICAM-blue);
    font-size: .95rem; letter-spacing: .4px; margin: 0 0 10px;
    padding: 8px 14px; background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk);
    text-transform: uppercase;
}
.table-scroll { overflow-x: auto; }
.div-table { width: 100%; border-collapse: collapse; background: #fff; box-shadow: var(--shadow); }
.div-table th {
    background: var(--AFRICAM-blue); color: #fff; font-family: var(--font-head);
    font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .3px;
    padding: 12px 14px; text-align: left; vertical-align: middle; border: 1px solid #1F2A6E;
}
.div-table th.div-th-soc { min-width: 170px; }
.div-table td {
    padding: 11px 14px; font-size: .88rem; color: #3E4670;
    border: 1px solid #E4E9F6; white-space: nowrap;
}
.div-table td.div-soc { font-weight: 700; color: var(--AFRICAM-blue-dk); }
.div-table td.div-num { text-align: right; font-weight: 600; }
.div-table tbody tr:nth-child(even) td { background: #F6F8FD; }
.div-table tbody tr:hover td { background: #EEF1FB; }

/* ===== Badge « Bientôt disponible » ===== */
.badge-soon {
    background: var(--AFRICAM-gold); color: var(--AFRICAM-blue-dk);
    font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .4px;
    padding: 4px 12px; border-radius: 50px;
}

/* ===== Filtres en pilules ===== */
.filter-pills { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }

/* ===== Page Contact — puces à icônes ===== */
.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li {
    display: flex; gap: 12px; align-items: flex-start;
    padding: 9px 0; border-bottom: 1px dashed #E4E9F6; text-align: left;
}
.contact-list li:last-child { border-bottom: 0; }
.cl-ic {
    flex-shrink: 0; width: 34px; height: 34px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    color: #fff; font-size: .95rem;
}
.contact-list li:hover .cl-ic { background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue)); }
.contact-social { display: flex; gap: 10px; }
.contact-social a {
    width: 38px; height: 38px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    background: #EEF1FB; color: var(--AFRICAM-blue); font-size: 1.05rem;
    transition: all .2s ease;
}
.contact-social a:hover { background: var(--AFRICAM-blue); color: #fff; transform: translateY(-2px); }

/* ===== Texte courant justifié ===== */
.page-content p,
.page-content li,
.faq-answer,
.card p,
.pay-card p,
.af-body li {
    text-align: justify;
    hyphens: auto;
}

/* Les éléments explicitement centrés gardent leur alignement */
.page-content .text-center,
.page-content .section-subtitle,
.cond-next { text-align: center; }

/* Listes de navigation latérale : inutile de justifier */
.side-box ul li { text-align: left; }

@media (max-width: 768px) {
    .cond-grid, .risk-cards, .open-choice { grid-template-columns: 1fr; }
}

/* ==========================================================================
   AFRICAM — Composants spécifiques (hero FCP, fonds, VL, paiement,
   espace client, pages internes)
   ========================================================================== */

/* ---------- Utilitaires ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 44px; align-items: center; }
.lead { font-size: 1.1rem; color: var(--AFRICAM-grey); line-height: 1.7; }
.txt-gold { color: var(--AFRICAM-gold); }
.btn-lg { padding: 16px 36px; font-size: 1.02rem; }
.btn-block { display: block; width: 100%; text-align: center; }
.btn-outline-light { border: 1.5px solid rgba(255,255,255,.55); color: #fff; background: transparent; }
.btn-outline-light:hover { background: #fff; color: var(--AFRICAM-blue-dk); }
.btn-sm { padding: 8px 18px; font-size: .84rem; }
.hp { position: absolute !important; left: -9999px !important; height: 0; width: 0; overflow: hidden; opacity: 0; }
.num { text-align: right; font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
.inline-form { display: inline; }

/* Tableaux de données (pages publiques) */
.data-table { width: 100%; border-collapse: collapse; background: #fff; font-size: .92rem; }
.data-table th {
    background: var(--AFRICAM-blue-dk); color: #fff; padding: 13px 16px;
    text-align: left; font-size: .78rem; text-transform: uppercase; letter-spacing: .5px;
    font-family: var(--font-head); font-weight: 600;
}
.data-table td { padding: 12px 16px; border-bottom: 1px solid #eef0f8; }
.data-table tbody tr:hover { background: #F7F8FD; }
.data-table td.num, .data-table th.num { text-align: right; }

/* Alertes complémentaires */
.alert-warning { background: #FEF6E4; color: #8A6512; border-left: 4px solid var(--AFRICAM-gold); }
.checkbox { display: flex; align-items: flex-start; gap: 10px; font-size: .88rem; }
.checkbox input { margin-top: 3px; }

/* ---------- En-têtes de section ---------- */
.section-head { text-align: center; max-width: 720px; margin: 0 auto 46px; }
.section-head h2 { font-size: 2rem; margin: 10px 0 12px; }
.section-head p { color: var(--AFRICAM-grey); font-size: 1.02rem; line-height: 1.65; }

/* ---------- Hero accueil ---------- */
.badge-hero {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(255,255,255,.12); border: 1px solid rgba(217,169,91,.45);
    color: var(--AFRICAM-gold-lt); padding: 8px 18px; border-radius: 50px;
    font-size: .8rem; font-weight: 600; letter-spacing: .4px;
    backdrop-filter: blur(6px); margin-bottom: 22px;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; position: relative; z-index: 2; }
.hero-txt h1 { margin: 0 0 18px; line-height: 1.14; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }
.btn.btn-hero-cta {
    position: relative; overflow: hidden;
    padding: 20px 42px; font-size: 1.12rem; font-weight: 700;
    box-shadow: 0 8px 30px rgba(217,169,91,.45);
    animation: cta-glow 2.6s ease-in-out infinite;
    transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease;
}
.btn.btn-hero-cta::before {
    content: ""; position: absolute; top: -20%; bottom: -20%; left: 0;
    width: 45%; transform: translateX(-140%) skewX(-18deg); pointer-events: none;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.35), transparent);
    transition: transform .55s ease;
}
.btn.btn-hero-cta:hover {
    transform: translateY(-3px) scale(1.03);
    background-color: var(--AFRICAM-red-dk);
    color: #fff;
    border-color: var(--AFRICAM-gold-lt);
    box-shadow: 0 14px 42px rgba(227,34,39,.45), 0 0 0 5px rgba(227,34,39,.16);
}
.btn.btn-hero-cta:hover::before { transform: translateX(320%) skewX(-18deg); }
.btn.btn-hero-cta .bi-arrow-right { display: inline-block; transition: transform .25s ease; }
.btn.btn-hero-cta:hover .bi-arrow-right { transform: translateX(6px); }
.btn.btn-hero-cta:active { transform: translateY(-1px) scale(1.01); }
@keyframes cta-glow {
    0%, 100% { box-shadow: 0 8px 28px rgba(217,169,91,.38); }
    50%      { box-shadow: 0 8px 42px rgba(217,169,91,.62); }
}
.hero-cta-note {
    margin: 16px 0 0; font-size: .86rem; color: #c9cdf0;
}
.hero-cta-note .bi { color: var(--AFRICAM-gold); margin-right: 5px; }
.hero-kpis {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
    margin-top: 44px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.16);
}
.hero-kpis strong { display: block; font-family: var(--font-head); font-size: 1.5rem; color: var(--AFRICAM-gold); }
.hero-kpis span { font-size: .78rem; color: #c9cdf0; }

.hero-card {
    background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
    border-radius: 20px; padding: 26px; backdrop-filter: blur(10px);
    box-shadow: 0 24px 60px rgba(0,0,0,.28);
}
.hero-card-head {
    font-family: var(--font-head); font-weight: 600; font-size: .95rem;
    color: var(--AFRICAM-gold-lt); display: flex; align-items: center; gap: 9px;
    padding-bottom: 14px; margin-bottom: 8px; border-bottom: 1px solid rgba(255,255,255,.14);
}
.hero-vl { list-style: none; margin: 0; padding: 0; }
.hero-vl li a {
    display: flex; justify-content: space-between; align-items: baseline; gap: 12px;
    padding: 13px 10px; border-radius: 10px; color: #fff; text-decoration: none;
    transition: background .18s ease;
}
.hero-vl li a:hover { background: rgba(255,255,255,.09); }
.vl-nom { font-weight: 600; font-size: .92rem; }
.vl-val { font-family: var(--font-head); font-weight: 700; font-size: 1.08rem; color: var(--AFRICAM-gold); font-variant-numeric: tabular-nums; }
.hero-vl-date { font-size: .78rem; color: #b9bee4; margin: 14px 4px 0; }
.hero-vl-date a { color: var(--AFRICAM-gold-lt); }

/* ---------- Cartes FCP ---------- */
.fond-card { padding: 0; overflow: hidden; border-top: none; }
.fond-head {
    padding: 34px 26px 30px; color: #fff; position: relative; overflow: hidden;
    min-height: 132px; display: flex; flex-direction: column; justify-content: flex-end;
    background: linear-gradient(135deg, rgba(42,52,133,.88), rgba(29,37,96,.92)),
        url('../images/site/hero-finance.jpg') center/cover;
}
.fond-head.fond-secr { background: linear-gradient(135deg, rgba(42,52,133,.88), rgba(29,37,96,.92)), url('../images/site/hero-finance.jpg') center/cover; }
.fond-head.fond-expa { background: linear-gradient(135deg, rgba(14,122,102,.85), rgba(10,84,74,.92)), url('../images/site/epargne.jpg') center/cover; }
.fond-head.fond-valo { background: linear-gradient(135deg, rgba(200,145,46,.82), rgba(156,110,23,.90)), url('../images/site/africam-investissement.jpg') center/cover; }
.fond-head > * { position: relative; z-index: 1; }
.fond-code {
    display: inline-block; font-family: var(--font-head); font-size: .68rem; font-weight: 700;
    letter-spacing: 1.4px; background: rgba(255,255,255,.18); border: 1px solid rgba(255,255,255,.3);
    padding: 3px 10px; border-radius: 20px; margin-bottom: 10px;
}
.fond-head h3 { color: #fff; margin: 0 0 4px; font-size: 1.25rem; }
.fond-cat { font-size: .8rem; opacity: .85; }
.fond-card > p { padding: 20px 26px 0; }
.fond-meta {
    display: grid; grid-template-columns: 1fr 1fr; gap: 0;
    margin: 16px 26px 0; border-top: 1px solid #eef0f8;
}
.fond-meta > div { padding: 11px 0; border-bottom: 1px solid #f2f3fa; }
.fond-meta dt { font-size: .72rem; color: var(--AFRICAM-grey); text-transform: uppercase; letter-spacing: .4px; }
.fond-meta dd { margin: 3px 0 0; font-weight: 700; font-family: var(--font-head); color: var(--AFRICAM-blue-dk); font-size: .98rem; }
.card-actions { display: flex; gap: 10px; padding: 20px 26px 24px; margin-top: auto; }
.card-actions .btn { flex: 1; text-align: center; padding: 11px 14px; font-size: .88rem; }

/* ---------- Étapes ---------- */
.steps { grid-template-columns: repeat(4, 1fr); }
.step a { color: var(--AFRICAM-blue); font-weight: 600; font-size: .88rem; }
.step a:hover { color: var(--AFRICAM-blue-dk); }
.step-num {
    display: inline-flex; align-items: center; justify-content: center;
    width: 44px; height: 44px; border-radius: 50%;
    background: linear-gradient(135deg, var(--AFRICAM-gold), #C8912E);
    color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.15rem;
    margin-bottom: 14px; box-shadow: 0 6px 14px rgba(15,20,50,.22);
}
.step::before { display: none; }

/* ---------- Services ---------- */
.service-card { text-decoration: none; color: inherit; border-top: none; border: 1px solid rgba(29,37,96,.07); }
.service-card i {
    display: inline-flex; align-items: center; justify-content: center;
    width: 56px; height: 56px; border-radius: 16px; font-size: 1.5rem;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    color: #fff; margin-bottom: 16px; transition: transform .25s ease;
}
.service-card:hover i { transform: scale(1.08) rotate(-4deg); }
.service-card h3 { margin: 0 0 8px; color: var(--AFRICAM-blue-dk); }

/* ---------- Listes à coches ---------- */
.check-list { list-style: none; padding: 0; margin: 18px 0 26px; }
.check-list li { display: flex; align-items: flex-start; gap: 10px; padding: 7px 0; font-size: .96rem; }
.check-list i { color: var(--up); margin-top: 2px; }

/* ---------- Boîtes CTA ---------- */
.cta-box {
    background: #fff; border-radius: 20px; padding: 34px;
    box-shadow: var(--shadow-lg); border-top: 4px solid var(--AFRICAM-gold);
}
.cta-box h3 { margin: 0 0 10px; color: var(--AFRICAM-blue-dk); }
.cta-box p { color: var(--AFRICAM-grey); font-size: .94rem; margin-bottom: 22px; }
.cta-box .btn { width: 100%; margin-bottom: 10px; }
.cta-final {
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk), var(--AFRICAM-blue));
    text-align: center; position: relative; overflow: hidden;
}
.cta-final::before { display: none; }
.cta-final h2 { color: #fff; font-size: 2.1rem; }
.cta-final p { color: #c9cdf0; max-width: 560px; margin: 0 auto 30px; }
.cta-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; position: relative; z-index: 2; }

/* ---------- Bandeau partenaires (version statique) ---------- */
.trust-static { display: flex; flex-wrap: wrap; gap: 26px; justify-content: center; align-items: center; }
.trust-static .trust-item img { max-height: 44px; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto 26px; }
.faq-rep { padding: 0 22px 18px; color: var(--AFRICAM-grey); font-size: .93rem; line-height: 1.7; }

/* ---------- Hero des pages internes ---------- */
.page-hero {
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk), var(--AFRICAM-blue));
    color: #fff; padding: 56px 0; position: relative; overflow: hidden;
}
.page-hero::after { display: none; }
.page-hero h1 { color: #fff; margin: 0 0 8px; font-size: 2.1rem; }
.page-hero p { color: #cdd2f2; max-width: 640px; margin: 0; font-size: 1rem; }
.page-article, .prose, .prose-page { line-height: 1.75; color: #3d4260; }
.prose h2, .prose-page h2, .page-article h2 { color: var(--AFRICAM-blue-dk); margin-top: 30px; }
.prose h3, .prose-page h3, .page-article h3 { color: var(--AFRICAM-blue); }
.prose ul, .prose-page ul { padding-left: 20px; }
.prose li, .prose-page li { margin-bottom: 6px; }

/* ---------- Fiche fonds ---------- */
.fond-layout { display: grid; grid-template-columns: 1fr 340px; gap: 34px; align-items: start; }
.fond-main { min-width: 0; }
.fond-side { position: sticky; top: 20px; display: flex; flex-direction: column; gap: 18px; }
.vl-card { text-align: center; border-top: 4px solid var(--AFRICAM-gold); }
.vl-big {
    font-family: var(--font-head); font-size: 2.1rem; font-weight: 700;
    color: var(--AFRICAM-blue-dk); font-variant-numeric: tabular-nums; margin: 8px 0 4px;
}
.vl-card .btn { margin-top: 14px; }
.chart-box {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 24px; margin: 26px 0;
}
.chart-box h3 { margin: 0 0 16px; color: var(--AFRICAM-blue-dk); font-size: 1.05rem; }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list li { padding: 9px 0; border-bottom: 1px solid #f0f1f8; font-size: .92rem; }
.side-list li:last-child { border-bottom: 0; }
.detail-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 18px 0; }
.detail-list > div { background: #F7F8FD; border-radius: 10px; padding: 12px 16px; }
.detail-list dt { font-size: .72rem; text-transform: uppercase; letter-spacing: .4px; color: var(--AFRICAM-grey); }
.detail-list dd { margin: 4px 0 0; font-weight: 600; color: var(--AFRICAM-blue-dk); }

/* ---------- Valeurs liquidatives ---------- */
.vl-synthese { margin-bottom: 30px; }
.vl-card-mini { text-decoration: none; color: inherit; border-top: 4px solid var(--AFRICAM-blue); }
.vl-card-mini .fond-code { background: var(--AFRICAM-blue); border: none; color: #fff; }
.vl-card-mini h3 { margin: 8px 0 4px; color: var(--AFRICAM-blue-dk); font-size: 1.05rem; }
.vl-card-mini .vl-big { font-size: 1.7rem; }
.filter-bar {
    display: flex; align-items: center; gap: 16px; flex-wrap: wrap;
    background: #fff; border-radius: 12px; box-shadow: var(--shadow);
    padding: 14px 20px; margin-bottom: 20px;
}
.filter-bar label { font-size: .85rem; font-weight: 600; color: var(--AFRICAM-blue-dk); display: flex; align-items: center; gap: 10px; }
.filter-bar select, .filter-bar input {
    border: 1.5px solid #dfe2f0; border-radius: 8px; padding: 8px 12px; font-size: .9rem;
}
.annee-title { font-family: var(--font-head); color: var(--AFRICAM-blue-dk); font-size: 1.15rem; margin: 30px 0 12px; }

/* ---------- Chiffres clés ---------- */
.chiffres { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.chiffre {
    background: #fff; border-radius: var(--radius); box-shadow: var(--shadow);
    padding: 26px; text-align: center; border-top: 4px solid var(--AFRICAM-gold);
}
.chiffre strong { display: block; font-family: var(--font-head); font-size: 1.9rem; color: var(--AFRICAM-blue-dk); }
.chiffre span { font-size: .84rem; color: var(--AFRICAM-grey); }

/* ---------- Formulaires en deux colonnes ---------- */
.form-layout { display: grid; grid-template-columns: 1fr 360px; gap: 34px; align-items: start; }
.form-main { min-width: 0; }
.form-side { position: sticky; top: 20px; display: flex; flex-direction: column; gap: 18px; }
.field-full { grid-column: 1 / -1; }
.op-form .btn-block { margin-top: 8px; }

/* ---------- Moyens de paiement ---------- */
.pay-methods { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.pay-method {
    display: flex; flex-direction: column; align-items: center; gap: 8px;
    padding: 18px 12px; text-align: center; cursor: pointer;
    border: 2px solid #e6e8f4; border-radius: 14px; background: #fff;
    transition: border-color .18s ease, box-shadow .18s ease;
}
.pay-method:hover { border-color: var(--AFRICAM-blue-lt); }
.pay-method:has(input:checked), .pay-method.selected {
    border-color: var(--AFRICAM-blue); box-shadow: 0 8px 20px rgba(42,52,133,.14);
}
.pay-method input { position: absolute; opacity: 0; }
.pay-method span { font-size: .82rem; font-weight: 600; color: var(--AFRICAM-blue-dk); }
.pay-logo {
    display: inline-flex; align-items: center; justify-content: center;
    width: 46px; height: 46px; border-radius: 12px; font-size: 1.3rem; color: #fff;
    background: var(--AFRICAM-blue);
}
.pay-logo.om { background: #FF7900; }
.pay-logo.moov { background: #0067B0; }
.pay-logo.wave { background: #1DC4F2; }
.pay-logo.bank { background: #0E6B5C; }
.pay-logo.card-cb { background: #3D4AA8; }

/* ---------- Confirmation ---------- */
.confirmation-box { max-width: 640px; margin: 0 auto; text-align: center; }
.confirm-icon {
    width: 84px; height: 84px; margin: 0 auto 22px; border-radius: 50%;
    background: linear-gradient(135deg, var(--up), #14713F); color: #fff;
    display: flex; align-items: center; justify-content: center; font-size: 2.4rem;
    box-shadow: 0 10px 24px rgba(15,20,50,.22);
}
.reference-box {
    background: #F7F8FD; border: 1.5px dashed var(--AFRICAM-blue-lt);
    border-radius: 12px; padding: 16px 22px; margin: 22px 0;
    font-family: var(--font-head); font-weight: 700; font-size: 1.25rem;
    color: var(--AFRICAM-blue-dk); letter-spacing: .5px;
}
.req-list { list-style: none; padding: 0; margin: 0; }
.req-list li { display: flex; align-items: center; gap: 10px; padding: 9px 0; border-bottom: 1px solid #f0f1f8; font-size: .9rem; }
.req-list li:last-child { border-bottom: 0; }
.req-ref { font-family: var(--font-head); font-weight: 700; color: var(--AFRICAM-blue); font-size: .92rem; }
.status-pill {
    display: inline-block; padding: 4px 12px; border-radius: 20px;
    font-size: .74rem; font-weight: 700; letter-spacing: .3px;
    background: #EEF1FB; color: var(--AFRICAM-blue-dk);
}

/* ---------- Cartes liens / contact ---------- */
.link-card {
    display: flex; align-items: center; gap: 14px; padding: 18px 22px;
    background: #fff; border-radius: 14px; box-shadow: var(--shadow);
    text-decoration: none; color: inherit; transition: transform .2s ease, box-shadow .2s ease;
}
.link-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.link-card i { font-size: 1.5rem; color: var(--AFRICAM-blue); }
.contact-card { text-align: center; }
.contact-card i { font-size: 1.8rem; color: var(--AFRICAM-gold); margin-bottom: 10px; }

/* ---------- Timeline ---------- */
.timeline { list-style: none; padding: 0; margin: 24px 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 17px; top: 8px; bottom: 8px; width: 2px; background: #E1E4F2; }
.timeline li { position: relative; padding: 0 0 22px 52px; }
.timeline li::before {
    content: ""; position: absolute; left: 8px; top: 3px;
    width: 18px; height: 18px; border-radius: 50%;
    background: #fff; border: 4px solid var(--AFRICAM-gold);
    box-shadow: 0 0 0 3px #fff;
}
.steps-list { list-style: none; padding: 0; margin: 0; counter-reset: sl; }
.steps-list li { counter-increment: sl; position: relative; padding: 0 0 18px 52px; }
.steps-list li::before {
    content: counter(sl); position: absolute; left: 0; top: 0;
    width: 34px; height: 34px; border-radius: 50%;
    background: var(--AFRICAM-blue); color: #fff;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-head); font-weight: 700; font-size: .92rem;
}
.avantages { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

/* ---------- Espace Client ---------- */
body.client-area { background: #F2F4FA; }
.client-header {
    background: #fff; border-bottom: 1px solid #E7EAF6;
    padding: 12px 0; position: sticky; top: 0; z-index: 100;
    box-shadow: 0 2px 12px rgba(29,37,96,.05);
}
.client-header .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.client-header .logo img { height: 46px; }
.client-header-right { display: flex; align-items: center; gap: 14px; }
.client-chip {
    display: flex; align-items: center; gap: 8px;
    background: #EEF1FB; border-radius: 12px; padding: 8px 16px;
    font-size: .86rem; font-weight: 600; color: var(--AFRICAM-blue-dk); line-height: 1.25;
}
.client-chip i { font-size: 1.4rem; color: var(--AFRICAM-blue); }
.client-layout { display: grid; grid-template-columns: 250px 1fr; gap: 28px; padding-top: 28px; padding-bottom: 48px; align-items: start; }
.client-nav {
    background: #fff; border-radius: 16px; box-shadow: var(--shadow);
    padding: 14px; position: sticky; top: 86px;
}
.client-nav nav { display: flex; flex-direction: column; }
.client-nav a {
    display: flex; align-items: center; gap: 11px; padding: 11px 14px;
    border-radius: 10px; color: #454B70; font-size: .9rem; font-weight: 500;
    text-decoration: none; transition: background .15s ease, color .15s ease;
}
.client-nav a:hover { background: #F2F4FC; color: var(--AFRICAM-blue-dk); }
.client-nav a.active { background: var(--AFRICAM-blue); color: #fff; font-weight: 600; }
.client-nav a.active i { color: var(--AFRICAM-gold-lt); }
.client-nav-sep {
    font-size: .68rem; text-transform: uppercase; letter-spacing: 1px;
    color: var(--AFRICAM-grey); padding: 14px 14px 6px; font-weight: 700;
}
.client-nav a.active {
    background: linear-gradient(90deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    box-shadow: 0 6px 16px rgba(42,52,133,.30);
}
.client-nav-id {
    display: flex; align-items: center; gap: 12px;
    padding: 10px 12px 16px; margin: -4px -4px 10px; border-bottom: 1px solid #EEF1F8;
}
.client-nav-id .avatar {
    width: 44px; height: 44px; border-radius: 50%; flex: 0 0 auto;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
    color: #fff; display: flex; align-items: center; justify-content: center;
    font-weight: 700; font-size: .92rem; letter-spacing: .5px;
}
.client-nav-id .id-name { font-weight: 700; font-size: .86rem; color: var(--AFRICAM-blue-dk); line-height: 1.25; }
.afam-badge {
    display: inline-block; margin-top: 4px;
    background: #FBF3E3; color: #8A6220; border: 1px solid #EBD5A7;
    border-radius: 20px; padding: 1px 10px; font-size: .7rem; font-weight: 700; letter-spacing: .5px;
}
.client-hero {
    position: relative; overflow: hidden;
    background: linear-gradient(120deg, var(--AFRICAM-blue-dk) 0%, var(--AFRICAM-blue) 68%, var(--AFRICAM-blue-lt) 100%);
    border-radius: 18px; padding: 28px 32px; color: #fff; margin-bottom: 26px;
    box-shadow: 0 14px 34px rgba(29,37,96,.22);
}
.client-hero::after {
    content: ""; position: absolute; right: -70px; top: -90px;
    width: 300px; height: 300px; border-radius: 50%;
    background: rgba(217,169,91,.16);
}
.client-hero-in { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; position: relative; z-index: 1; }
.client-hero h1 { margin: 0 0 6px; font-size: 1.6rem; color: #fff; }
.client-hero p { margin: 0; color: #c9cdf0; font-size: .9rem; }
.client-hero strong { color: var(--AFRICAM-gold-lt); }
.client-hero .hero-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.client-hero .btn-light { background: rgba(255,255,255,.14); color: #fff; border: 1.5px solid rgba(255,255,255,.35); }
.client-hero .btn-light:hover { background: #fff; color: var(--AFRICAM-blue-dk); }
.client-content { min-width: 0; }
.client-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-bottom: 24px; }
.client-head h1 { margin: 0; font-size: 1.55rem; color: var(--AFRICAM-blue-dk); }
.client-head-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.client-footer { margin-top: 30px; }

/* KPIs espace client */
.kpi-grid, .dash-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-bottom: 26px; }
.kpi-grid-small { grid-template-columns: repeat(3, 1fr); }
.dash-grid { grid-template-columns: 1.6fr 1fr; align-items: start; }
.kpi {
    background: #fff; border-radius: 14px; box-shadow: var(--shadow);
    padding: 20px 22px; border-top: 3px solid var(--AFRICAM-blue);
}
.kpi-gold { border-top-color: var(--AFRICAM-gold); }
.kpi-label { font-size: .76rem; text-transform: uppercase; letter-spacing: .5px; color: var(--AFRICAM-grey); }
.kpi-val { font-family: var(--font-head); font-size: 1.45rem; font-weight: 700; color: var(--AFRICAM-blue-dk); margin: 6px 0 2px; font-variant-numeric: tabular-nums; white-space: nowrap; }
.kpi-sub { font-size: .8rem; color: var(--AFRICAM-grey); }
.kpi .kpi-ic { float: right; font-size: 1.35rem; color: #D9DFF4; }
.kpi-gold .kpi-ic { color: #E8C57E; }

/* ---------- Espace client : densité compacte ---------- */
body.client-area .client-header { padding: 8px 0; }
body.client-area .client-header .logo img { height: 38px; }
body.client-area .client-chip { padding: 6px 12px; font-size: .8rem; }
body.client-area .client-chip i { font-size: 1.15rem; }
body.client-area .client-header-right { gap: 10px; }
body.client-area .client-header-right .btn { padding: 8px 16px; font-size: .85rem; }
body.client-area .client-layout { grid-template-columns: 230px 1fr; gap: 20px; padding-top: 18px; padding-bottom: 36px; }
body.client-area .client-nav { padding: 10px; border-radius: 14px; top: 68px; }
body.client-area .client-nav a { padding: 9px 12px; font-size: .86rem; gap: 9px; }
body.client-area .client-nav-sep { padding: 10px 12px 4px; }
body.client-area .client-nav-id { padding: 6px 10px 12px; gap: 10px; }
body.client-area .client-nav-id .avatar { width: 36px; height: 36px; font-size: .78rem; }
body.client-area .client-nav-id .id-name { font-size: .8rem; }
body.client-area .afam-badge { font-size: .66rem; }
body.client-area .client-hero { padding: 18px 24px; margin-bottom: 22px; border-radius: 16px; }
body.client-area .client-hero h1 { font-size: 1.3rem; }
body.client-area .client-hero p { font-size: .84rem; }
body.client-area .client-hero-in { row-gap: 14px; }
body.client-area .client-hero .btn { padding: 8px 18px; font-size: .86rem; border-radius: 50px; }
body.client-area .client-head { margin-bottom: 16px; }
body.client-area .client-head h1 { font-size: 1.3rem; }
body.client-area .kpi-grid, body.client-area .dash-grid { gap: 14px; margin-bottom: 18px; }
body.client-area .kpi { padding: 14px 18px; border-radius: 12px; }
body.client-area .kpi-label { font-size: .68rem; }
body.client-area .kpi-val { font-size: 1.15rem; display: block; line-height: 1.3; overflow: hidden; text-overflow: ellipsis; }
body.client-area .kpi-val.up { color: var(--up); }
body.client-area .kpi-val.down { color: var(--down); }
body.client-area .kpi-sub { font-size: .74rem; }
body.client-area .kpi .kpi-ic { font-size: 1.1rem; }
body.client-area .card { padding: 18px 20px; }
body.client-area .card h3 { font-size: 1rem; }
body.client-area .data-table { font-size: .86rem; }
body.client-area .data-table th { padding: 9px 12px; font-size: .72rem; }
body.client-area .data-table td { padding: 8px 12px; }
body.client-area .data-table td.num, body.client-area .data-table th.num { white-space: nowrap; }
body.client-area .req-list li, body.client-area .side-list li { padding: 7px 0; font-size: .85rem; }
body.client-area .client-footer { margin-top: 20px; font-size: .85rem; }

/* ---------- Espace client : embellissements ---------- */
body.client-area {
    background:
        radial-gradient(900px 320px at 85% -60px, rgba(42,52,133,.07), transparent 60%),
        radial-gradient(700px 300px at -10% 30%, rgba(217,169,91,.08), transparent 55%),
        #F2F4FA;
}
body.client-area .client-hero::before {
    content: ""; position: absolute; left: -50px; bottom: -110px;
    width: 240px; height: 240px; border-radius: 50%;
    border: 34px solid rgba(255,255,255,.07);
}
body.client-area .client-hero h1 { text-shadow: 0 2px 10px rgba(10,15,45,.25); }
body.client-area .client-hero .btn-gold {
    background: linear-gradient(135deg, #E8C57E, var(--AFRICAM-gold));
    border: 0; box-shadow: 0 6px 18px rgba(217,169,91,.45);
}
body.client-area .client-hero .btn-gold:hover { background: linear-gradient(135deg, #F0D9A8, #E0B96E); transform: translateY(-2px); }
body.client-area .client-nav-id .avatar { box-shadow: 0 0 0 2px #fff, 0 0 0 4px var(--AFRICAM-gold); }
body.client-area .client-nav a i { color: #9AA3CE; transition: color .15s ease; font-size: 1rem; }
body.client-area .client-nav a { transition: background .15s ease, color .15s ease, transform .15s ease; }
body.client-area .client-nav a:hover { transform: translateX(3px); }
body.client-area .client-nav a:hover i { color: var(--AFRICAM-blue); }
body.client-area .client-nav a.active i { color: var(--AFRICAM-gold-lt); }
body.client-area .kpi {
    position: relative; transition: transform .18s ease, box-shadow .18s ease;
    border-top: 0; overflow: hidden;
}
body.client-area .kpi::before {
    content: ""; position: absolute; inset: 0 auto 0 0; width: 4px;
    background: linear-gradient(180deg, var(--AFRICAM-blue), var(--AFRICAM-blue-lt));
}
body.client-area .kpi-gold::before { background: linear-gradient(180deg, var(--AFRICAM-gold), #E8C57E); }
body.client-area .kpi:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
body.client-area .kpi .kpi-ic {
    float: none; position: absolute; top: 12px; right: 14px;
    width: 36px; height: 36px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.05rem; background: #EEF1FB; color: var(--AFRICAM-blue);
}
body.client-area .kpi-gold .kpi-ic { background: #FBF3E3; color: #B9862F; }
body.client-area .kpi:nth-child(3) .kpi-ic { background: #E9F6EE; color: var(--up); }
body.client-area .kpi:nth-child(4) .kpi-ic { background: #F3EEFA; color: #6C4AC8; }
body.client-area .kpi-label { padding-right: 40px; display: block; }
body.client-area .card { border-radius: 16px; transition: transform .18s ease, box-shadow .18s ease; }
body.client-area .card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
body.client-area .card h3 {
    display: flex; align-items: center; gap: 9px;
    padding-bottom: 12px; border-bottom: 2px solid #EEF1F8; margin-bottom: 12px;
}
body.client-area .card h3 i { color: var(--AFRICAM-gold); }
body.client-area .table-wrap { border-radius: 12px; overflow: hidden; border: 1px solid #EEF1F8; }
body.client-area .data-table { background: transparent; }
body.client-area .data-table tbody tr:hover { background: #FBF3E3; }

/* Graphique évolution portefeuille */
body.client-area .pf-chart .card-head { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; flex-wrap: wrap; }
body.client-area .pf-chart-val { font-weight: 700; color: var(--AFRICAM-blue); }
body.client-area .pf-chart-svg { display: block; width: 100%; height: auto; margin-top: 6px; }
body.client-area .pf-chart-svg .pf-x { font-size: 11px; fill: #8A90B8; }
body.client-area .pf-chart-meta { margin-top: 6px; font-size: .78rem; }
body.client-area .pf-chart-range { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-top: 10px; font-size: .82rem; color: #5A6089; }
body.client-area .pf-chart-range label { display: flex; align-items: center; gap: 6px; }
body.client-area .pf-chart-range input[type="date"] {
    padding: 5px 8px; border: 1px solid #D9DEEA; border-radius: 8px;
    font-size: .8rem; color: var(--AFRICAM-ink); background: #fff; font-family: inherit;
}
body.client-area .pf-chart-range input[type="date"]:focus { outline: none; border-color: var(--AFRICAM-blue); box-shadow: 0 0 0 2px rgba(42,52,133,.12); }
body.client-area .pf-chart-range .btn { padding: 5px 12px; font-size: .78rem; }
body.client-area .status-pill { box-shadow: inset 0 0 0 1px rgba(29,37,96,.06); }
body.client-area .flash, body.client-area .alert { border-radius: 12px; }
body.client-area .client-footer p { color: var(--AFRICAM-grey); }
.notif-list { list-style: none; padding: 0; margin: 0; }
.notif-list li { padding: 12px 0; border-bottom: 1px solid #f0f1f8; font-size: .9rem; display: flex; gap: 10px; align-items: flex-start; }
.notif-list li:last-child { border-bottom: 0; }
.notif-list i { color: var(--AFRICAM-gold); margin-top: 2px; }

/* ---------- Auth (login / activation) ---------- */
.auth-box { max-width: 460px; margin: 0 auto; }
.auth-head { text-align: center; margin-bottom: 24px; }
.auth-head img { height: 72px; margin-bottom: 14px; }
.auth-head h1 { margin: 0 0 6px; font-size: 1.5rem; color: var(--AFRICAM-blue-dk); }
.auth-head p { color: var(--AFRICAM-grey); font-size: .92rem; margin: 0; }
.auth-links { text-align: center; margin-top: 18px; font-size: .88rem; }
.auth-links a { color: var(--AFRICAM-blue); font-weight: 600; }

/* ---------- Champs formulaire ---------- */
.field label { display: block; font-size: .84rem; font-weight: 600; color: var(--AFRICAM-blue-dk); margin-bottom: 6px; }
.field input, .field select, .field textarea {
    width: 100%; border: 1.5px solid #dfe2f0; border-radius: 10px;
    padding: 11px 14px; font-size: .92rem; font-family: inherit; background: #FBFCFE;
    transition: border-color .18s ease, box-shadow .18s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
    outline: none; border-color: var(--AFRICAM-blue); box-shadow: 0 0 0 3px rgba(42,52,133,.12); background: #fff;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .fond-layout, .form-layout { grid-template-columns: 1fr; }
    .fond-side, .form-side { position: static; }
    .kpi-grid, .dash-grid { grid-template-columns: 1fr 1fr; }
    .client-layout { grid-template-columns: 220px 1fr; }
}
@media (max-width: 768px) {
    .grid-3, .grid-4, .chiffres, .avantages { grid-template-columns: 1fr; }
    .steps { grid-template-columns: 1fr 1fr; }
    .split { grid-template-columns: 1fr; gap: 28px; }
    .hero-kpis { grid-template-columns: 1fr 1fr; gap: 14px; }
    .pay-methods { grid-template-columns: 1fr 1fr; }
    .detail-list { grid-template-columns: 1fr; }
    .kpi-grid, .dash-grid, .kpi-grid-small { grid-template-columns: 1fr; }
    .client-layout { grid-template-columns: 1fr; }
    .client-nav { position: static; }
    .client-nav nav { flex-direction: row; flex-wrap: wrap; }
    .client-nav a { font-size: .82rem; padding: 9px 12px; }
    .client-nav-sep { width: 100%; }
    .client-header-right { flex-wrap: wrap; justify-content: flex-end; }
    .client-chip { font-size: .78rem; }
    .card-actions { flex-direction: column; }
}
@media (max-width: 480px) {
    .steps { grid-template-columns: 1fr; }
    .pay-methods { grid-template-columns: 1fr; }
    .hero-kpis { grid-template-columns: 1fr 1fr; }
    .cta-row .btn { width: 100%; }
}

/* ---------- Guide Orange Money par fonds ---------- */
.om-guide { margin-top: 40px; }
.om-guide-tabs { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 0; }
.om-tab {
    border: 0; cursor: pointer; font-family: var(--font-head); font-weight: 600; font-size: .95rem;
    padding: 12px 26px; border-radius: 14px 14px 0 0; background: #E7EAF6; color: var(--AFRICAM-blue-dk);
    transition: background .2s ease, color .2s ease;
}
.om-tab:hover { background: #d9ddf0; }
.om-tab.active { background: var(--AFRICAM-blue-dk); color: #fff; }
.om-panel {
    display: none; grid-template-columns: 1.1fr .9fr; gap: 0; align-items: stretch;
    background: #fff; border-radius: 0 20px 20px 20px; box-shadow: var(--shadow-lg); overflow: hidden;
}
.om-panel.active { display: grid; }
.om-steps { padding: 34px 34px 28px; }
.om-step { display: flex; gap: 16px; margin-bottom: 22px; }
.om-num {
    flex-shrink: 0; width: 38px; height: 38px; border-radius: 50%;
    background: linear-gradient(135deg, var(--AFRICAM-blue), var(--AFRICAM-blue-dk));
    color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.05rem;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 6px 14px rgba(29,37,96,.28);
}
.om-step strong { display: block; font-family: var(--font-head); color: var(--AFRICAM-blue-dk); margin-bottom: 5px; }
.om-step ul { margin: 6px 0; padding-left: 18px; font-size: .9rem; color: #454B70; }
.om-step li { margin-bottom: 4px; }
.om-step p { margin: 4px 0 0; font-size: .9rem; color: #454B70; }
.om-code {
    display: inline-block; font-family: "Consolas","Courier New",monospace; font-size: 1.15rem; font-weight: 700;
    background: var(--AFRICAM-blue-dk); color: var(--AFRICAM-gold-lt); letter-spacing: 1px;
    padding: 8px 18px; border-radius: 10px; margin-top: 4px;
}
.om-note {
    background: #FDF3E3; border-left: 4px solid var(--AFRICAM-gold); border-radius: 8px;
    padding: 13px 16px; font-size: .86rem; color: #7A5B1E; margin-top: 6px;
}
.om-note i { color: var(--AFRICAM-gold); margin-right: 6px; }
.om-poster { margin: 0; position: relative; min-height: 100%; }
.om-poster img {
    position: absolute; inset: 0; width: 100%; height: 100%;
    object-fit: cover; object-position: center top; display: block;
}
@media (max-width: 900px) {
    .om-panel { grid-template-columns: 1fr; }
    .om-poster { min-height: 380px; position: relative; }
    .om-poster img { position: relative; height: auto; }
}
@media (max-width: 640px) {
    .om-guide-tabs { flex-direction: column; }
    .om-tab { border-radius: 12px; }
    .om-panel { border-radius: 16px; }
    .om-steps { padding: 24px 20px; }
}

/* ---------- Astuce paiement dans les formulaires ---------- */
.om-hint {
    display: none; background: #FDF3E3; border: 1px solid #EDD9AC; border-radius: 12px;
    padding: 14px 18px; font-size: .88rem; color: #6B5319; margin: 4px 0 14px;
}
.om-hint.show { display: block; }
.om-hint code { font-weight: 700; color: var(--AFRICAM-blue-dk); font-size: 1rem; }
.om-hint i { color: var(--AFRICAM-gold); margin-right: 6px; }

/* ==========================================================================
   Style sbif.site : images de fond + voile de couleur
   (pied de page, en-têtes de pages, hero d'accueil, CTA photo)
   ========================================================================== */

/* ---------- Pied de page : photo financière voilée de bleu ---------- */
.site-footer {
    position: relative;
    background: url('../images/site/hero-finance.jpg') center/cover no-repeat;
    border-top: 3px solid var(--AFRICAM-gold);
}
.site-footer::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.96) 25%, rgba(29,37,96,.88) 60%, rgba(29,37,96,.72));
}
.site-footer .container { position: relative; z-index: 2; }

/* ---------- Hero d'accueil : photo d'investissement voilée ---------- */
.hero {
    background: url('../images/site/africam-investissement.jpg') center 60%/cover no-repeat;
}
.hero::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.96) 30%, rgba(29,37,96,.85) 62%, rgba(29,37,96,.55));
}
.hero .container { position: relative; z-index: 2; }

/* ---------- En-têtes de pages internes : photo de cotation voilée ---------- */
.page-hero {
    background: url('../images/site/marche-cotation.jpg') center 40%/cover no-repeat;
}
.page-hero::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.94) 30%, rgba(29,37,96,.80) 62%, rgba(29,37,96,.55));
}
.page-hero::after { display: none; }
.page-hero .container { position: relative; z-index: 2; }

.page-head {
    position: relative; overflow: hidden;
    background: url('../images/site/marche-cotation.jpg') center 40%/cover no-repeat;
}
.page-head::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.94) 30%, rgba(29,37,96,.80) 62%, rgba(29,37,96,.55));
}
.page-head .container { position: relative; z-index: 2; }
.page-head h1, .page-head .breadcrumb, .page-head .breadcrumb a { color: #fff; }
.page-head .breadcrumb { opacity: .85; }

/* ---------- Bandeau CTA illustré ---------- */
.cta-photo {
    position: relative; overflow: hidden;
    background: url('../images/site/epargne.jpg') center/cover no-repeat;
}
.cta-photo::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(100deg, rgba(16,21,60,.92) 30%, rgba(29,37,96,.75) 70%, rgba(29,37,96,.5));
}
.cta-photo > * { position: relative; z-index: 2; }

/* ==========================================================================
   Nettoyage visuel : suppression des halos et ombres colorées
   ========================================================================== */

/* ---------- Halos décoratifs en fond ---------- */
.hero::after, .page-hero::after, .cta-final::before { display: none !important; }
.cta-band { background: linear-gradient(120deg, var(--AFRICAM-blue) 0%, var(--AFRICAM-blue-dk) 100%); }

/* ---------- Boutons : ombres neutres (plus de lueur rouge/or) ---------- */
.btn-primary { box-shadow: 0 4px 14px rgba(15,20,50,.28); }
.btn-primary:hover { box-shadow: 0 5px 16px rgba(15,20,50,.22); background: var(--AFRICAM-blue-lt); }
.btn-gold { box-shadow: 0 4px 14px rgba(15,20,50,.24); }
.btn-gold:hover { box-shadow: 0 5px 16px rgba(15,20,50,.20); background: #E8C57E; }
.btn-light { box-shadow: 0 3px 10px rgba(15,20,50,.18); }
.btn-red { box-shadow: 0 4px 14px rgba(15,20,50,.28); }
.btn-success, .btn-green { box-shadow: 0 4px 14px rgba(15,20,50,.24); }

/* ---------- Éléments flottants ---------- */
.chatbot-toggle { box-shadow: 0 8px 20px rgba(15,20,50,.35); }
.to-top { box-shadow: 0 6px 16px rgba(15,20,50,.30); }
.f-logo img { box-shadow: 0 6px 14px rgba(15,20,50,.25); }

/* ---------- Composants : halos colorés neutralisés ---------- */
.step-num { box-shadow: 0 6px 14px rgba(15,20,50,.22); }
.card .card-icon.bicon { box-shadow: 0 6px 14px rgba(15,20,50,.22); }
.wizard-steps li.active::before { box-shadow: 0 0 0 5px rgba(42,52,133,.12); }
.chatbot-panel { box-shadow: 0 14px 40px rgba(15,20,50,.28); }
.kicker { border-color: rgba(42,52,133,.18); box-shadow: 0 3px 10px rgba(15,20,50,.08); }
.card:hover .card-icon { box-shadow: 0 8px 18px rgba(15,20,50,.22); }
.confirm-icon { box-shadow: 0 10px 24px rgba(15,20,50,.22); }

/* ==========================================================================
   Formulaires AFRICAM — disposition et finition visuelle
   ========================================================================== */

/* ---------- Carte de formulaire ---------- */
.form-card {
    border-radius: 22px; padding: 40px 44px;
    border: 1px solid rgba(29,37,96,.08);
    box-shadow: 0 18px 50px rgba(15,20,50,.10);
    position: relative; overflow: hidden;
}
.form-card::before {
    content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
    background: linear-gradient(90deg, var(--AFRICAM-blue), var(--AFRICAM-gold));
}
.form-card h2 {
    display: flex; align-items: center; gap: 10px;
    font-family: var(--font-head); font-size: 1.15rem; color: var(--AFRICAM-blue-dk);
    margin: 30px 0 18px; padding-bottom: 12px;
    border-bottom: 1px solid #EDEFF8;
}
.form-card h2:first-of-type { margin-top: 0; }
.form-card h2 i { color: var(--AFRICAM-gold); font-size: 1.25rem; }

/* ---------- Grille et champs ---------- */
.form-grid { gap: 18px 22px; }
.field { display: flex; flex-direction: column; position: relative; }
.field label { letter-spacing: .1px; }
.field label .req, .field label:has(+ :required)::after { color: var(--AFRICAM-red); }

.field input, .field select, .field textarea,
.form-group input, .form-group select, .form-group textarea {
    min-height: 46px; border: 1.5px solid #E1E4F2; border-radius: 12px;
    padding: 11px 15px; background: #FBFCFE;
    transition: border-color .18s ease, box-shadow .18s ease, background .18s ease;
}
.field input:hover, .field select:hover, .field textarea:hover,
.form-group input:hover, .form-group select:hover, .form-group textarea:hover {
    border-color: #B9C0E4; background: #fff;
}
.field input::placeholder, .field textarea::placeholder,
.form-group input::placeholder, .form-group textarea::placeholder { color: #A6ABCB; }
.field input:focus, .field select:focus, .field textarea:focus,
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    border-color: var(--AFRICAM-blue);
    box-shadow: 0 0 0 4px rgba(42,52,133,.10), 0 2px 8px rgba(29,37,96,.06);
    background: #fff;
}
.field select, .form-group select {
    appearance: none; -webkit-appearance: none; padding-right: 40px; cursor: pointer;
    background-image: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 width=%2712%27 height=%278%27 viewBox=%270 0 12 8%27%3E%3Cpath d=%27M1 1l5 5 5-5%27 fill=%27none%27 stroke=%27%232A3485%27 stroke-width=%272%27 stroke-linecap=%27round%27/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 15px center;
}
.field textarea { min-height: 110px; resize: vertical; }
.field small.muted { display: block; margin-top: 5px; font-size: .76rem; color: #8B90B8; }

/* ---------- États d'erreur ---------- */
.field.has-error input, .field.has-error select, .field.has-error textarea,
.form-group.has-error input, .form-group.has-error select, .form-group.has-error textarea {
    border-color: var(--AFRICAM-red); background: #FFFAFA;
}
.field.has-error input:focus, .field.has-error select:focus {
    box-shadow: 0 0 0 4px rgba(227,34,39,.08);
}
.field-error { display: flex; align-items: center; gap: 5px; }
.field-error::before { content: "\F332"; font-family: "bootstrap-icons"; font-size: .72rem; }

/* ---------- Cases à cocher ---------- */
.field.checkbox label, .checkbox label {
    display: flex; align-items: flex-start; gap: 10px;
    font-weight: 400; font-size: .9rem; line-height: 1.5; cursor: pointer;
    padding: 12px 14px; border: 1.5px solid #E1E4F2; border-radius: 12px;
    background: #FBFCFE; transition: border-color .18s ease, background .18s ease;
}
.field.checkbox label:hover, .checkbox label:hover { border-color: var(--AFRICAM-blue); background: #F4F6FD; }
.field.checkbox input, .checkbox input {
    width: 17px; height: 17px; min-height: 0; margin-top: 2px; flex-shrink: 0;
    accent-color: var(--AFRICAM-blue); cursor: pointer;
}
.field.checkbox.has-error label { border-color: var(--AFRICAM-red); }

/* ---------- Encarts d'aide dans les formulaires ---------- */
.form-card .alert { border-radius: 12px; font-size: .88rem; }
.om-hint {
    border: 1.5px solid #F0E3C2; background: linear-gradient(150deg, #FFFDF6, #FFF7E8);
    border-radius: 12px; padding: 14px 16px; font-size: .88rem; margin-top: 8px;
}
.om-hint code {
    display: inline-block; background: #fff; border: 1px dashed var(--AFRICAM-gold);
    border-radius: 8px; padding: 3px 10px; letter-spacing: .5px;
}

/* ---------- Colonne latérale des formulaires ---------- */
.form-layout { gap: 30px; }
.form-side .card {
    border-radius: 16px; padding: 22px 24px;
    border: 1px solid rgba(29,37,96,.08); border-top: 3px solid var(--AFRICAM-gold);
    box-shadow: 0 10px 30px rgba(15,20,50,.07);
}
.form-side .card h3 {
    font-family: var(--font-head); font-size: 1rem; color: var(--AFRICAM-blue-dk);
    margin: 0 0 12px; display: flex; align-items: center; gap: 8px;
}
.form-side .card h3 i { color: var(--AFRICAM-gold); }
.form-side .card p { font-size: .88rem; color: var(--AFRICAM-grey); }

/* ---------- Bouton de soumission ---------- */
.form-card .btn[type="submit"], .form-card > .btn-lg {
    display: flex; width: 100%; align-items: center; justify-content: center; gap: 10px;
    margin-top: 26px; padding: 15px 24px; font-size: 1rem; font-weight: 600;
    border-radius: 14px;
}

/* ---------- Choix de fichiers ---------- */
.field input[type="file"], .form-group input[type="file"] {
    padding: 10px 14px; background: #FBFCFE; cursor: pointer;
}
input[type="file"]::file-selector-button {
    border: 0; border-radius: 8px; padding: 8px 16px; margin-right: 12px;
    background: #EEF1FB; color: var(--AFRICAM-blue); font-weight: 600; font-size: .82rem;
    font-family: inherit; cursor: pointer; transition: background .18s ease;
}
input[type="file"]::file-selector-button:hover { background: var(--AFRICAM-blue); color: #fff; }

/* ---------- Alertes globales de formulaire ---------- */
.alert { display: block; line-height: 1.6; }
.alert i { margin-right: 7px; font-size: 1.05rem; }
.alert ul { margin: 6px 0 0; padding-left: 18px; }

/* ---------- Responsive ---------- */
@media (max-width: 720px) {
    .form-card { padding: 26px 20px; border-radius: 16px; }
    .form-card h2 { font-size: 1.05rem; }
}
.form-main .form-card { max-width: none; margin: 0; }

/* ---------- Bouton CTA dans l'en-tête ---------- */
.btn-nav-cta {
    margin-left: 16px; flex-shrink: 0; white-space: nowrap;
    padding: 9px 18px; font-size: .84rem; font-weight: 600; border-radius: 50px;
}
.btn-nav-cta i { margin-right: 6px; }
@media (max-width: 1100px) {
    .btn-nav-cta { display: none; }
}

/* ---------- Menu : jamais de retour à la ligne ---------- */
.main-nav a.nav-link { white-space: nowrap; }

/* ---------- Bouton « Ouvrir un compte » dans le pied de page ---------- */
.f-cta { display: inline-flex; align-items: center; margin-top: 18px; padding: 11px 22px; border-radius: 50px; font-size: .88rem; font-weight: 600; }
.f-cta i { margin-right: 7px; }

/* ---------- En-tête : tout tient sur une seule ligne ---------- */
.main-nav { margin-left: auto; }
.main-nav ul { flex-wrap: nowrap; }
@media (max-width: 1350px) {
    .logo .logo-txt { display: none; }
    .main-nav a.nav-link { padding: 9px 9px; font-size: .83rem; }
}
@media (max-width: 1150px) {
    .main-nav a.nav-link { padding: 9px 6px; font-size: .79rem; }
}

/* ---------- Bouton « Ouvrir un compte » ancré à droite de l'en-tête ---------- */
.main-nav { margin-left: 0; }
.btn-nav-cta { margin-left: auto; flex-shrink: 0; white-space: nowrap; }
@media (max-width: 1250px) {
    .btn-nav-cta { display: none; }
}

/* ---------- Bouton « Ouvrir un compte » contre le bord droit de la fenêtre ---------- */
.btn-nav-cta { position: absolute; right: 28px; top: 50%; transform: translateY(-50%); }
.btn-nav-cta:hover { transform: translateY(-50%); }

/* ---------- Menu rapproché du logo ---------- */
.site-header .container { justify-content: flex-start; }
.site-header .main-nav { margin-left: 40px; }

/* ---------- Bouton centré dans l'espace libre de l'en-tête ---------- */
.btn-nav-cta {
    right: calc((100vw - 1180px) / 4 + 115px);
    padding: 7px 16px; font-size: .8rem;
}

/* ---------- Ajustement : léger décalage vers la droite ---------- */
.btn-nav-cta { right: calc((100vw - 1180px) / 4 + 75px); }

/* ---------- Étapes « Comment investir » : cartes avec image ---------- */
.step { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.step-img {
    position: relative; height: 130px;
    background-size: cover; background-position: center;
}
.step-img::before {
    content: ""; position: absolute; inset: 0;
    background: linear-gradient(180deg, rgba(29,37,96,.35), rgba(29,37,96,.62));
}
.step-img .step-num {
    position: absolute; left: 20px; bottom: -19px; z-index: 2;
    margin: 0; border: 3px solid #fff;
}
.step-body { padding: 32px 24px 24px; display: flex; flex-direction: column; flex: 1; }
.step-body p { flex: 1; }
.step-body a { margin-top: 14px; }
.step:hover .step-img::before { background: linear-gradient(180deg, rgba(29,37,96,.25), rgba(29,37,96,.5)); }

/* ---------- Modes de paiement : 2 cartes centrées ---------- */
.pay-methods { grid-template-columns: repeat(2, minmax(0, 360px)); justify-content: center; gap: 22px; }
.pay-method { text-align: center; padding: 26px 30px; display: flex; flex-direction: column; align-items: center; gap: 8px; }
.pay-method .pay-logo { margin: 0 0 6px; }
.pay-method p { margin: 0; }
@media (max-width: 640px) {
    .pay-methods { grid-template-columns: 1fr; }
}

/* ---------- Respiration entre champs et boutons ---------- */
.form-card > .field + .field,
.form-card > .form-group + .form-group,
.form-card > .checks + .field,
.form-card > .field + .checks,
.wizard-panel > .field + .field,
.wizard-panel > .form-group + .form-group,
.form-grid + .field, .form-grid + .form-group,
.field + .form-grid, .form-group + .form-grid,
.form-card .form-group + .form-grid,
.form-card .form-grid + .form-group { margin-top: 18px; }

.form-card > .btn-block,
.form-card > .btn,
.wizard-panel > .btn-block,
.op-form .btn-block { margin-top: 24px; }

.form-card .checks { margin-top: 16px; }
.form-card .type-cards, .form-card .risk-cards { margin: 14px 0 4px; }
.form-card .doc-upload { margin-top: 14px; }
.wizard-nav { margin-top: 32px; }

/* ---------- Espace client : mobile ---------- */
@media (max-width: 900px) {
    body.client-area .client-layout { grid-template-columns: 1fr; gap: 14px; padding-top: 14px; }
    body.client-area .client-nav { position: static; padding: 8px; border-radius: 14px; }
    body.client-area .client-nav nav {
        flex-direction: row; flex-wrap: nowrap; overflow-x: auto;
        gap: 6px; padding-bottom: 2px; scrollbar-width: thin;
        -webkit-overflow-scrolling: touch;
    }
    body.client-area .client-nav a {
        flex: 0 0 auto; padding: 8px 14px; font-size: .8rem;
        border-radius: 20px; background: #fff; color: var(--AFRICAM-blue-dk);
        border: 1px solid #E3E7F4; font-weight: 600;
    }
    body.client-area .client-nav a.active {
        background: var(--AFRICAM-blue); color: #fff;
        border-color: var(--AFRICAM-blue);
    }
    body.client-area .client-nav a.active i { color: var(--AFRICAM-gold-lt); }
    body.client-area .client-nav a:hover { transform: none; }
    body.client-area .client-nav-sep { display: none; }
    body.client-area .client-nav-id { display: none; }
    body.client-area .client-hero { padding: 16px 18px; }
    body.client-area .client-hero-in { flex-direction: column; align-items: flex-start; }
    body.client-area .hero-actions { width: 100%; }
    body.client-area .hero-actions .btn { flex: 1; text-align: center; }
    body.client-area .kpi-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    body.client-area .client-head { flex-direction: column; align-items: flex-start; }
    body.client-area .client-head-actions { width: 100%; }
    body.client-area .client-head-actions .btn { flex: 1; text-align: center; }
    body.client-area { overflow-x: clip; }
    body.client-area .client-layout > *, body.client-area .client-content > *,
    body.client-area .client-nav, body.client-area .client-hero, body.client-area .card,
    body.client-area .kpi, body.client-area .client-hero-in > div { min-width: 0; max-width: 100%; }
    body.client-area .kpi-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    body.client-area .dash-grid, body.client-area .kpi-grid-small { grid-template-columns: minmax(0, 1fr); }
    body.client-area .client-hero h1, body.client-area .client-hero p,
    body.client-area .client-head h1 { overflow-wrap: anywhere; }
    body.client-area img, body.client-area iframe { max-width: 100%; height: auto; }
    body.client-area .table-wrap { overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; }
    body.client-area .data-table { min-width: 0; font-size: .78rem; }
    body.client-area .data-table th { padding: 7px 8px; font-size: .64rem; letter-spacing: .2px; }
    body.client-area .data-table td { padding: 6px 8px; }
    body.client-area .req-list li, body.client-area .side-list li, body.client-area .doc-row { flex-wrap: wrap; }
    body.client-area .client-hero p, body.client-area .client-chip, body.client-area .id-name,
    body.client-area .req-list li, body.client-area .side-list li, body.client-area .doc-info,
    body.client-area .kpi-sub, body.client-area .client-footer { overflow-wrap: anywhere; }
    body.client-area .data-table td { overflow-wrap: break-word; }
    body.client-area .card { padding: 16px; }
    body.client-area .client-header .container { flex-wrap: wrap; gap: 10px; }
    body.client-area .client-header-right { flex-wrap: wrap; gap: 8px; }
    body.client-area .client-header-right .btn { padding: 7px 13px; font-size: .8rem; }
}
@media (max-width: 640px) {
    body.client-area .hide-m { display: none; }
    body.client-area .data-table { font-size: .72rem; }
    body.client-area .data-table th { padding: 6px 4px; font-size: .58rem; letter-spacing: .1px; }
    body.client-area .data-table td { padding: 7px 4px; }
    body.client-area .pf-table thead { display: none; }
    body.client-area .pf-table tbody tr {
        display: block; padding: 10px 8px 6px;
        border-bottom: 1px solid #EDF0F7;
    }
    body.client-area .pf-table tbody tr:last-child { border-bottom: none; }
    body.client-area .pf-table td {
        display: flex; justify-content: space-between; align-items: baseline;
        gap: 12px; border: none; padding: 3px 0; font-size: .8rem;
    }
    body.client-area .pf-table td::before {
        content: attr(data-label); font-size: .58rem; font-weight: 700;
        letter-spacing: .5px; text-transform: uppercase; color: #8A90B8;
    }
    body.client-area .pf-table tbody td:first-child {
        display: block; font-size: .88rem; padding-bottom: 6px;
    }
    body.client-area .pf-table tbody td:first-child::before { content: none; }
    body.client-area .pf-table td.num { text-align: right; }
    body.client-area .pf-table tfoot tr {
        display: block; padding: 8px 8px; margin-top: 4px;
        border-top: 2px solid var(--AFRICAM-blue); border-radius: 0 0 8px 8px;
        background: #F7F8FD;
    }
    body.client-area .pf-table tfoot td:first-child { display: block; padding-bottom: 4px; }
    body.client-area .pf-table tfoot td:first-child::before { content: none; }
}
@media (max-width: 480px) {
    body.client-area .kpi-grid { grid-template-columns: 1fr; }
    body.client-area .client-hero h1 { font-size: 1.15rem; }
    body.client-area .client-chip { font-size: .74rem; }
    body.client-area .client-nav a { font-size: .76rem; padding: 7px 12px; }
}