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

:root {
    --sbif-blue: #2A3485;
    --sbif-blue-dk: #1D2560;
    --sbif-blue-lt: #3D4AA8;
    --sbif-gold: #D9A95B;
    --sbif-gold-lt: #F0D9A8;
    --sbif-red: #E32227;
    --sbif-red-dk: #B81B20;
    --sbif-ink: #2B2B2B;
    --sbif-grey: #6B7280;
    --sbif-bg: #F7F6F2;
    --sbif-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; }

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

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

h1, h2, h3, h4 { color: var(--sbif-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(--sbif-red); color: #fff; }
.btn-primary:hover { background: var(--sbif-red-dk); color: #fff; }
.btn-outline { border-color: var(--sbif-blue); color: var(--sbif-blue); background: transparent; }
.btn-outline:hover { background: var(--sbif-blue); color: #fff; }
.btn-gold { background: var(--sbif-gold); color: var(--sbif-blue-dk); }
.btn-gold:hover { background: var(--sbif-gold-lt); color: var(--sbif-blue-dk); }
.btn-light { background: #fff; color: var(--sbif-blue-dk); }
.btn-light:hover { background: var(--sbif-gold-lt); color: var(--sbif-blue-dk); }
.btn-sm { padding: 7px 16px; font-size: .85rem; }

/* ---------- Topbar ---------- */
.topbar {
    background: var(--sbif-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(--sbif-gold); }
.topbar .cta-top a { margin-left: 8px; }

/* ---------- Ticker BRVM ---------- */
.ticker-wrap {
    background: var(--sbif-blue);
    color: #fff;
    overflow: hidden;
    position: relative;
    border-bottom: 3px solid var(--sbif-gold);
}
.ticker-label {
    position: absolute; left: 0; top: 0; bottom: 0; z-index: 2;
    background: var(--sbif-red);
    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; }
@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(--sbif-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(--sbif-blue-dk); border-radius: 6px;
}
.main-nav a.nav-link:hover, .main-nav li:hover > a.nav-link {
    color: var(--sbif-red); background: var(--sbif-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(--sbif-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(--sbif-ink); }
.main-nav .submenu a:hover { background: var(--sbif-bg); color: var(--sbif-red); }
.nav-toggle { display: none; background: none; border: 0; font-size: 1.6rem; color: var(--sbif-blue); cursor: pointer; }


/* ---------- Hero ---------- */
.hero {
    background: linear-gradient(120deg, var(--sbif-blue-dk) 55%, var(--sbif-blue) 100%);
    color: #fff;
    padding: 78px 0;
    position: relative;
    overflow: hidden;
}
.hero::after {
    content: ""; position: absolute; right: -120px; top: -120px;
    width: 420px; height: 420px; border-radius: 50%;
    background: radial-gradient(circle, rgba(217,169,91,.35), transparent 70%);
}
.hero h1 { color: #fff; font-size: 2.6rem; max-width: 640px; }
.hero h1 em { color: var(--sbif-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(--sbif-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(--sbif-grey); max-width: 640px; margin: 0 auto 36px; }
.section-title::after {
    content: ""; display: block; width: 64px; height: 4px; margin: 12px auto 0;
    background: var(--sbif-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(--sbif-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(--sbif-blue); color: var(--sbif-gold-lt);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem; margin-bottom: 14px;
}
.card p { color: var(--sbif-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(--sbif-grey); text-transform: uppercase; letter-spacing: .5px; }
.index-card .idx-value { font-size: 1.5rem; font-weight: 700; color: var(--sbif-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(--sbif-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(--sbif-gold-lt); }
.market-table .sym { font-weight: 700; color: var(--sbif-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(--sbif-red); 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(--sbif-blue), var(--sbif-blue-lt)); display: flex; align-items: center; justify-content: center; color: var(--sbif-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(--sbif-red); font-weight: 700; letter-spacing: .6px; }
.news-card .news-date { font-size: .78rem; color: var(--sbif-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(--sbif-blue-dk); }
.form-group label .req { color: var(--sbif-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(--sbif-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(--sbif-red); }
.field-error { color: var(--sbif-red); font-size: .8rem; margin-top: 4px; display: block; }
.type-cards.has-error .type-card { border-color: var(--sbif-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; }

/* Options de profil de gestion (fiche profil client) */
.gestion-option {
    display: flex; align-items: flex-start; gap: 10px; padding: 14px 16px;
    border: 1.5px solid #dfe1ee; border-radius: 10px; cursor: pointer;
    transition: border-color .2s, background .2s;
}
.gestion-option:hover { border-color: var(--sbif-blue); background: #f7f8fc; }
.gestion-option input { margin-top: 4px; width: auto; flex-shrink: 0; }
.gestion-option:has(input:checked) { border-color: var(--sbif-blue); background: #f0f3fb; }
.sub-options {
    margin: -4px 0 4px 34px; padding: 12px 16px; border-left: 3px solid var(--sbif-blue);
    background: #f7f8fc; border-radius: 0 8px 8px 0;
}
.sub-options > label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 8px; }
.mandat-note {
    margin: 16px 0 4px; padding: 10px 14px; background: #fff8e6; border: 1px solid #f0dfae;
    border-radius: 8px; font-size: .9rem; color: #6b5d1f;
}

/* 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(--sbif-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(--sbif-grey); font-size: .8rem;
}
.wizard-steps li.active { color: var(--sbif-blue-dk); }
.wizard-steps li.active::before { background: var(--sbif-red); 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(--sbif-blue); }
.type-card.selected { border-color: var(--sbif-red); background: #fdf2f2; color: var(--sbif-red-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(--sbif-red); }
.alert-info { background: #e8eaf6; color: var(--sbif-blue-dk); border-left: 4px solid var(--sbif-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(--sbif-grey);
}
.tracking-flow .tk.done { background: var(--up); color: #fff; }
.tracking-flow .tk.current { background: var(--sbif-red); 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(--sbif-grey); padding: 16px 0 0; }
.breadcrumb a { color: var(--sbif-grey); }
.breadcrumb a:hover { color: var(--sbif-red); }

/* ---------- Page content ---------- */
.page-head {
    background: linear-gradient(120deg, var(--sbif-blue-dk), var(--sbif-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(--sbif-blue-dk);
    list-style: none;
}
.faq-item summary::before { content: "+"; color: var(--sbif-red); font-weight: 700; margin-right: 10px; }
.faq-item[open] summary::before { content: "−"; }
.faq-item .faq-answer { padding: 0 22px 18px; color: var(--sbif-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(--sbif-grey); font-size: .95rem;
}

/* ---------- CTA band ---------- */
.cta-band {
    background: linear-gradient(120deg, var(--sbif-blue), var(--sbif-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(--sbif-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(--sbif-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(--sbif-red); 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(--sbif-blue);
}
.pagination span.current { background: var(--sbif-red); color: #fff; }

/* ---------- Divers ---------- */
.text-center { text-align: center; }
.mt-2 { margin-top: 14px; } .mt-3 { margin-top: 26px; }
.muted { color: var(--sbif-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(--sbif-ink); font-size: .92rem;
    transition: background .2s ease;
}
.doc-list a.doc-row:hover { background: var(--sbif-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: #FBE9E7; color: var(--sbif-red); 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(--sbif-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(--sbif-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(--sbif-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(--sbif-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(--sbif-red); }

/* ==========================================================================
   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(--sbif-gold); color: var(--sbif-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(--sbif-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(--sbif-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(--sbif-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(--sbif-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(--sbif-gold); color: var(--sbif-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(--sbif-blue), var(--sbif-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(--sbif-red), var(--sbif-red-dk));
    color: #fff; font-size: 1.15rem; box-shadow: 0 8px 20px rgba(227,34,39,.40);
    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(--sbif-blue-dk), var(--sbif-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(--sbif-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(--sbif-ink); border-bottom-left-radius: 4px; box-shadow: var(--shadow); }
.cb-user { background: var(--sbif-blue); color: #fff; margin-left: auto; border-bottom-right-radius: 4px; }
.cb-msg a { color: var(--sbif-red); font-weight: 600; }
.cb-bot a { color: var(--sbif-red); }
.cb-suggest { display: flex; flex-wrap: wrap; gap: 6px; margin: 4px 0 8px; }
.cb-suggest button {
    background: #fff; border: 1.5px solid var(--sbif-blue); color: var(--sbif-blue);
    border-radius: 20px; padding: 4px 11px; font-size: .72rem; font-weight: 600; cursor: pointer;
}
.cb-suggest button:hover { background: var(--sbif-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(--sbif-red); color: #fff; padding: 0 16px;
    font-size: .95rem; cursor: pointer;
}
.cb-typing { color: var(--sbif-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(--sbif-gold);
    padding: 10px 18px; border-radius: 8px; font-size: .95rem; margin: 10px 0 18px;
}
.africam-rate strong { color: var(--sbif-red); 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(--sbif-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 {
    --sbif-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(--sbif-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, #F0413F, var(--sbif-red) 60%, var(--sbif-red-dk));
    box-shadow: 0 8px 20px rgba(227,34,39,.32);
}
.btn-primary:hover { box-shadow: 0 12px 28px rgba(227,34,39,.42); background: var(--sbif-red-dk); }
.btn-gold {
    background: linear-gradient(135deg, var(--sbif-gold-lt), var(--sbif-gold));
    box-shadow: 0 8px 20px rgba(217,169,91,.35);
}
.btn-gold:hover { box-shadow: 0 12px 28px rgba(217,169,91,.45); background: var(--sbif-gold-lt); }
.btn-light { box-shadow: 0 6px 18px rgba(255,255,255,.18); }
.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(--sbif-blue-dk)); }
.topbar .btn { padding: 6px 16px; }
.ticker-wrap { border-bottom-color: var(--sbif-gold); }
.ticker-item .sym { color: var(--sbif-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(--sbif-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(--sbif-red), var(--sbif-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(--sbif-blue), var(--sbif-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(--sbif-red); }

.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:
        radial-gradient(circle at 88% 12%, rgba(217,169,91,.12), transparent 34%),
        linear-gradient(120deg, var(--sbif-blue) 0%, var(--sbif-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(227,34,39,.15); }

/* ---------- 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(--sbif-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(--sbif-blue-lt); }

/* ---------- Pied de page ---------- */
.site-footer { background: linear-gradient(180deg, #1A2152, var(--sbif-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(--sbif-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:
        radial-gradient(circle at 88% 10%, rgba(217,169,91,.22), transparent 42%),
        linear-gradient(120deg, var(--sbif-blue-dk), var(--sbif-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 {
    --sbif-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(--sbif-red);
    border: 1px solid rgba(227,34,39,.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 4px 14px rgba(227,34,39,.10);
}
.section > .container > .kicker { display: flex; width: max-content; }
.section-alt .kicker { background: var(--sbif-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(--sbif-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(--sbif-blue); font-size: 1.4rem;
}
.stat-item strong {
    display: block; font-family: var(--font-head);
    font-size: 1.5rem; color: var(--sbif-blue-dk);
}
.stat-item span { font-size: .85rem; color: var(--sbif-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(--sbif-blue); box-shadow: none;
    transition: all .25s ease;
}
.card:hover .card-icon {
    background: linear-gradient(135deg, var(--sbif-blue), var(--sbif-blue-lt));
    color: #fff; box-shadow: 0 12px 26px rgba(42,52,133,.35);
    transform: scale(1.05) rotate(-3deg);
}
.card h3 { font-size: 1.12rem; font-weight: 600; }
.card .card-link { color: var(--sbif-red); }

/* ---------- 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; white-space: nowrap; }
.topbar .topbar-left span { margin-right: 0; }
.topbar .topbar-left i { color: var(--sbif-gold); margin-right: 5px; }
.topbar .topbar-right { display: flex; align-items: center; gap: 14px; white-space: 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(--sbif-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(--sbif-blue-dk); }
.topbar a.btn-primary { color: #fff; }
.topbar a.btn-ghost-top { color: #fff; }
.topbar a.btn-ghost-top:hover { color: var(--sbif-blue-dk); }
.topbar a.btn-light { color: var(--sbif-blue-dk); }
.topbar a.btn-light:hover { color: var(--sbif-blue-dk); }

/* Bouton Administration : libellé principal + mention discrète */
.btn-admin { display: inline-flex; align-items: center; gap: 6px; padding-top: 3px; padding-bottom: 3px; }
.btn-admin span { display: flex; flex-direction: column; line-height: 1.15; text-align: left; font-size: .82rem; }
.btn-admin small { font-size: .5rem; font-weight: 500; letter-spacing: .2px; text-transform: none; opacity: .75; }

@media (max-width: 1280px) {
    .topbar .topbar-left .hours { display: none; }
}
@media (max-width: 1080px) {
    .topbar .topbar-left .email2 { display: none; }
}
@media (max-width: 900px) {
    .topbar .topbar-left span:nth-child(2) { display: none; }
}
@media (max-width: 640px) {
    .topbar .container { flex-wrap: wrap; justify-content: center; }
    .cta-top { flex-wrap: wrap; justify-content: center; }
}

/* ---------- V4.2 — Menu compact sur une ligne ---------- */
.main-nav ul { gap: 0; flex-wrap: nowrap; align-items: center; }
.main-nav a.nav-link {
    padding: 9px 9px; font-size: .82rem; font-weight: 500;
    color: #3A4160; white-space: nowrap;
}
.main-nav a.nav-link:hover, .main-nav li:hover > a.nav-link {
    color: var(--sbif-red); background: transparent;
}
.main-nav > ul > li > a.nav-link::after {
    content: ""; display: block; height: 2px; margin-top: 3px;
    background: var(--sbif-red); 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(--sbif-gold); }
.main-nav .submenu a::after { display: none; }

/* « Mes opérations » mis en valeur : mêmes couleurs que « Espace Client » (btn-gold) */
.main-nav a.nav-link.nav-highlight {
    background: var(--sbif-gold-lt); color: var(--sbif-blue-dk);
    font-weight: 700; border-radius: 50px; padding: 4px 12px; font-size: .74rem;
}
.main-nav a.nav-link.nav-highlight:hover,
.main-nav li:hover > a.nav-link.nav-highlight {
    background: #F7E9CB; color: var(--sbif-blue-dk);
}
.main-nav > ul > li > a.nav-link.nav-highlight::after { display: none; }
.nav-hl { display: flex; flex-direction: column; line-height: 1.08; }
.nav-hl small { font-size: .42rem; font-weight: 500; letter-spacing: .3px; opacity: .85; }

@media (max-width: 1280px) {
    .main-nav a.nav-link { padding: 9px 7px; font-size: .78rem; }
}

/* Menu complet trop long pour les petits écrans : burger dès 1150px */
@media (max-width: 1150px) {
    .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; align-items: stretch; }
    .main-nav .submenu { position: static; display: none; box-shadow: none; border-top: 0; padding-left: 16px; }
    .main-nav li.open .submenu { display: block; }
    .main-nav a.nav-link { white-space: normal; }
    .main-nav a.nav-link.nav-highlight { align-self: flex-start; margin: 4px 0; }
}

/* ---------- 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(--sbif-gold);
    border-radius: 14px; padding: 14px 20px;
    color: #dfe2f5; font-size: .8rem;
}
.hero-corner i { color: var(--sbif-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(--sbif-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(--sbif-gold); color: var(--sbif-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(--sbif-red), var(--sbif-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(--sbif-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(--sbif-gold); font-size: 1rem; margin-top: 3px; flex-shrink: 0; }
.f-contact a { color: #E6E9F8; }
.f-contact a:hover { color: var(--sbif-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(--sbif-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 SBIF » */
.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(--sbif-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;
    height: 74px; min-width: 120px; padding: 10px 26px; flex-shrink: 0;
}
.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(--sbif-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(--sbif-blue); font-size: 1.5rem; margin-bottom: 6px;
    transition: all .25s ease;
}
.choice-card:hover .choice-ic { background: linear-gradient(135deg, var(--sbif-blue), var(--sbif-blue-lt)); color: #fff; }
.choice-card strong { font-family: var(--font-head); color: var(--sbif-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(--sbif-red); 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(--sbif-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(--sbif-blue); font-size: 1.35rem;
    text-align: center; margin: 0 auto 22px; max-width: 980px; scroll-margin-top: 110px;
}
.anchor-title i { color: var(--sbif-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(--sbif-blue); font-size: 1.05rem;
    margin: 0 0 12px; padding-bottom: 10px; border-bottom: 2px solid var(--sbif-gold);
}
.cond-box h3 i { color: var(--sbif-red); margin-right: 8px; }
.cond-sub { font-family: var(--font-head); font-size: .8rem; font-weight: 600; text-transform: uppercase; letter-spacing: .5px; color: var(--sbif-red); 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(--sbif-gold); font-size: .7rem; top: 7px; }
.cond-note { font-size: .82rem; color: #5A6294; background: #F2F5FA; border-left: 3px solid var(--sbif-gold); border-radius: 8px; padding: 10px 14px; margin: 14px 0 0; line-height: 1.55; }
.cond-note i { color: var(--sbif-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(--sbif-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(--sbif-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(--sbif-blue-lt); }
.risk-card:has(input:checked) { border-color: var(--sbif-blue); background: #EEF1FB; box-shadow: 0 8px 20px rgba(42,52,133,.14); }
.risk-card:has(input:checked) strong { color: var(--sbif-red); }

/* 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(--sbif-blue); margin: 0 0 10px; }
.docs-join h3 i { color: var(--sbif-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(--sbif-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(--sbif-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(--sbif-red); }
.doc-upload { flex-wrap: wrap; }
.doc-upload.has-error { border-color: var(--sbif-red); background: #FEF6F6; }
.file-names { width: 100%; font-size: .76rem; color: #5A6294; margin-top: 4px; }

/* Photo d'identité : capture caméra */
.doc-upload .btn-camera { flex-shrink: 0; }
.doc-photo-preview { width: 100%; margin-top: 8px; display: none; }
.doc-photo-preview img { max-width: 160px; border-radius: 8px; border: 1px solid #E4E9F6; }
.cam-overlay {
    position: fixed; inset: 0; z-index: 3000; padding: 20px;
    background: rgba(10, 15, 40, .72); display: flex;
    align-items: center; justify-content: center;
}
.cam-box {
    background: #fff; border-radius: 14px; padding: 18px;
    max-width: 580px; width: 100%; box-shadow: 0 20px 60px rgba(0, 0, 0, .35);
}
.cam-box h3 { font-family: var(--font-head); font-size: 1rem; color: var(--sbif-blue); margin: 0 0 10px; }
.cam-box video { width: 100%; border-radius: 10px; background: #0e1230; display: block; }
.cam-actions { display: flex; gap: 10px; justify-content: flex-end; margin-top: 12px; }
.cam-error { color: var(--sbif-red); font-size: .85rem; margin: 8px 0 0; }

/* Signature électronique */
.signature-pad {
    border: 1.5px dashed #C9D2EC; border-radius: 10px;
    background: #fbfcff; overflow: hidden;
}
.signature-pad canvas {
    display: block; width: 100%; height: auto; aspect-ratio: 1200 / 360;
    cursor: crosshair; touch-action: none;
}
.signature-tools {
    display: flex; justify-content: flex-end; padding: 7px 12px;
    border-top: 1px solid #E4E9F6; background: #fff;
}
.form-group.has-error .signature-pad { border-color: var(--sbif-red); background: #FEF6F6; }

/* ===== 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(--sbif-blue);
    font-size: .95rem; letter-spacing: .4px; margin: 0 0 10px;
    padding: 8px 14px; background: var(--sbif-gold); color: var(--sbif-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(--sbif-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(--sbif-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(--sbif-gold); color: var(--sbif-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(--sbif-blue), var(--sbif-blue-lt));
    color: #fff; font-size: .95rem;
}
.contact-list li:hover .cl-ic { background: linear-gradient(135deg, var(--sbif-red), var(--sbif-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(--sbif-blue); font-size: 1.05rem;
    transition: all .2s ease;
}
.contact-social a:hover { background: var(--sbif-red); color: #fff; transform: translateY(-2px); }

/* Icônes dans les sous-menus */
.submenu a i { margin-right: 8px; color: var(--sbif-gold); width: 16px; text-align: center; }

/* Titres de section dans les formulaires longs */
.form-section-title {
    font-size: 1.05rem; color: var(--sbif-blue-dk);
    margin: 26px 0 14px; padding-bottom: 8px;
    border-bottom: 2px solid var(--sbif-gold);
    display: flex; align-items: center; gap: 9px;
}
.form-section-title i { color: var(--sbif-red); }

/* ===== 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; }
}