* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  background-color: #f5f5f0;
  color: #2C3E50;
  line-height: 1.8;
  overflow-x: hidden;
}

/* Navigation - Minimaliste */
nav {
  position: fixed;
  top: 0;
  width: 100%;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(15px);
  padding: 20px 8%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  z-index: 1000;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
  transition: all 0.3s ease;
}

nav.scrolled {
  padding: 15px 8%;
  background: rgba(255, 255, 255, 0.99);
  border-bottom: 1px solid rgba(0, 61, 165, 0.12);
}

.nav-left {
  display: flex;
  align-items: center;
  gap: 40px;
}

.back-home {
  color: #003DA5;
  text-decoration: none;
  font-size: 13px;
  font-weight: 400;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: all 0.3s ease;
  padding: 8px 0;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.back-home:hover {
  color: #C9A961;
  transform: translateX(-5px);
}

.back-home i {
  font-size: 12px;
}

.logo {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 400;
  color: #003DA5;
  letter-spacing: 2px;
}

.nav-cta {
  background: #003DA5;
  color: #ffffff;
  padding: 12px 30px;
  text-decoration: none;
  font-weight: 500;
  border-radius: 2px;
  transition: all 0.3s ease;
  font-size: 12px;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.nav-cta:hover {
  background: #002B73;
  transform: translateY(-2px);
}

.nav-buttons {
  display: flex;
  gap: 15px;
  align-items: center;
}

.nav-info {
  background: transparent;
  color: #003DA5;
  padding: 12px 24px;
  text-decoration: none;
  font-weight: 400;
  border-radius: 2px;
  border: 1px solid rgba(0, 61, 165, 0.2);
  transition: all 0.3s ease;
  font-size: 12px;
  letter-spacing: 1px;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-info:hover {
  border-color: #003DA5;
  background: rgba(0, 61, 165, 0.05);
}

.nav-info i {
  font-size: 14px;
}

/* Hero - Layout asymétrique minimaliste */
.hero {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  background: linear-gradient(135deg, rgba(245, 245, 240, 0.95) 0%, rgba(255, 255, 255, 0.95) 100%),
              url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1920&q=80') center/cover;
  padding: 120px 8% 80px;
  position: relative;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.hero::after {
  content: '';
  position: absolute;
  right: 0;
  top: 0;
  width: 50%;
  height: 100%;
  background: linear-gradient(135deg, rgba(201, 169, 97, 0.15) 0%, rgba(184, 152, 109, 0.15) 100%);
  clip-path: polygon(30% 0, 100% 0, 100% 100%, 0 100%);
}

.hero-content {
  max-width: 600px;
  text-align: left;
  position: relative;
  z-index: 2;
  padding-right: 60px;
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 48px;
  font-weight: 300;
  line-height: 1.3;
  margin-bottom: 30px;
  color: #003DA5;
  letter-spacing: -0.5px;
}

.hero-subtitle {
  font-size: 16px;
  color: #6C757D;
  font-weight: 300;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  border-left: 3px solid #C9A961;
  padding-left: 20px;
}

/* Container */
.container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 8%;
}

/* Section Title - Design minimaliste */
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 300;
  color: #003DA5;
  text-align: left;
  margin-bottom: 60px;
  letter-spacing: -0.5px;
  position: relative;
  padding-bottom: 20px;
}

.section-title::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 60px;
  height: 2px;
  background: #C9A961;
}

/* Story Section - Layout en colonnes asymétriques */
.story-section {
  padding: 120px 0;
  background: linear-gradient(rgba(255, 255, 255, 0.97), rgba(255, 255, 255, 0.97)),
              url('https://images.unsplash.com/photo-1573496359142-b8d87734a5a2?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.story-content {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 80px;
  font-size: 16px;
  line-height: 2;
  color: #2C3E50;
}

.story-content > div:first-child {
  padding-right: 40px;
  border-right: 1px solid rgba(0, 61, 165, 0.1);
}

.story-content p {
  margin-bottom: 24px;
}

.story-content p strong {
  color: #d63031;
  font-weight: 600;
}

.story-highlight {
  background: rgba(0, 61, 165, 0.05);
  padding: 30px;
  border-left: 3px solid #003DA5;
  font-weight: 400;
  font-size: 15px;
  margin-top: 40px;
  color: #2C3E50;
  font-style: italic;
  line-height: 1.9;
}

.story-warning {
  background: transparent;
  padding: 30px;
  border: 2px solid #d63031;
  font-weight: 500;
  font-size: 16px;
  margin-top: 30px;
  color: #d63031;
  text-align: center;
  letter-spacing: 0.5px;
}

/* Stats Section - Layout horizontal minimaliste */
.stats-section {
  padding: 100px 0;
  background: linear-gradient(rgba(245, 245, 240, 0.95), rgba(245, 245, 240, 0.95)),
              url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 80px;
  border-top: 1px solid rgba(0, 61, 165, 0.12);
}

.stat-card {
  background: transparent;
  padding: 60px 40px;
  text-align: left;
  border-right: 1px solid rgba(0, 61, 165, 0.12);
  transition: all 0.3s ease;
}

.stat-card:last-child {
  border-right: none;
}

.stat-card:hover {
  background: rgba(201, 169, 97, 0.05);
}

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 44px;
  font-weight: 300;
  color: #C9A961;
  margin-bottom: 20px;
  line-height: 1;
  letter-spacing: -1px;
}

.stat-text {
  font-size: 13px;
  color: #6C757D;
  line-height: 1.8;
  font-weight: 300;
  letter-spacing: 0.3px;
}

/* Comparison Section - Layout décalé */
.comparison-section {
  padding: 120px 0;
  background: linear-gradient(rgba(255, 255, 255, 0.98), rgba(255, 255, 255, 0.98)),
              url('https://images.unsplash.com/photo-1554224311-beee460ae6ba?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  margin-top: 80px;
  background: rgba(0, 61, 165, 0.08);
}

.comparison-col {
  padding: 60px 50px;
  background: #f5f5f0;
  position: relative;
}

.comparison-col.bank {
  border-left: 3px solid #888;
}

.comparison-col.personal {
  border-left: 3px solid #003DA5;
}

.comparison-title {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 300;
  margin-bottom: 40px;
  color: #003DA5;
  text-align: left;
  letter-spacing: 0.5px;
}

.comparison-list {
  list-style: none;
  padding: 0;
}

.comparison-list li {
  padding: 18px 0;
  font-size: 14px;
  line-height: 1.8;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
  display: flex;
  align-items: flex-start;
  gap: 15px;
  color: #2C3E50;
}

.comparison-list li:last-child {
  border-bottom: none;
}

.icon-cross,
.icon-check {
  font-size: 16px;
  flex-shrink: 0;
  margin-top: 3px;
}

.icon-cross {
  color: #888;
}

.icon-check {
  color: #003DA5;
}

/* Advantages Section - Grille minimaliste */
.advantages-section {
  padding: 120px 0;
  background: linear-gradient(rgba(245, 245, 240, 0.96), rgba(245, 245, 240, 0.96)),
              url('https://images.unsplash.com/photo-1521791136064-7986c2920216?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.advantages-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 2px;
  margin-top: 80px;
  background: rgba(0, 61, 165, 0.08);
}

.advantage-card {
  background: #ffffff;
  padding: 50px 30px;
  transition: all 0.3s ease;
  text-align: center;
  border-bottom: 2px solid transparent;
}

.advantage-card:hover {
  background: #f5f5f0;
  border-bottom-color: #C9A961;
}

.advantage-icon {
  font-size: 36px;
  margin-bottom: 25px;
  opacity: 0.7;
}

.advantage-card h3 {
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: #003DA5;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.advantage-card p {
  font-size: 13px;
  color: #6C757D;
  line-height: 1.8;
  font-weight: 300;
}

/* Example Section - Split screen */
.example-section {
  padding: 120px 0;
  background: linear-gradient(rgba(255, 255, 255, 0.97), rgba(255, 255, 255, 0.97)),
              url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.example-intro {
  text-align: left;
  font-size: 16px;
  color: #6C757D;
  margin-bottom: 60px;
  font-weight: 300;
  letter-spacing: 0.5px;
}

.example-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  margin-top: 60px;
  background: rgba(0, 61, 165, 0.08);
}

.example-col {
  padding: 60px 50px;
  background: #f5f5f0;
}

.example-col.bank-example {
  border-left: 3px solid #888;
}

.example-col.personal-example {
  border-left: 3px solid #003DA5;
}

.example-col h3 {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 300;
  color: #003DA5;
  margin-bottom: 40px;
  text-align: left;
  letter-spacing: 0.5px;
}

.example-list {
  list-style: none;
  padding: 0;
}

.example-list li {
  padding: 15px 0;
  font-size: 14px;
  line-height: 1.8;
  color: #2C3E50;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.example-list li:last-child {
  border-bottom: none;
}

.example-list li strong {
  color: #003DA5;
  font-weight: 500;
}

.highlight-negative {
  background: rgba(136, 136, 136, 0.1);
  padding: 20px;
  border-left: 3px solid #888;
  margin-top: 20px;
  font-weight: 400;
  color: #2C3E50;
  font-size: 13px;
}

.highlight-positive {
  background: rgba(0, 61, 165, 0.05);
  padding: 20px;
  border-left: 3px solid #003DA5;
  margin-top: 20px;
  font-weight: 400;
  color: #2C3E50;
  font-size: 13px;
}

/* Summary Section - Liste verticale minimaliste */
.summary-section {
  padding: 120px 0;
  background: linear-gradient(rgba(245, 245, 240, 0.95), rgba(245, 245, 240, 0.95)),
              url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?w=1920&q=80') center/cover fixed;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
}

.summary-content {
  max-width: 700px;
  margin: 0 auto;
}

.summary-list {
  list-style: none;
  padding: 0;
}

.summary-list li {
  background: transparent;
  padding: 20px 0;
  margin-bottom: 0;
  font-size: 15px;
  color: #2C3E50;
  border-bottom: 1px solid rgba(0, 61, 165, 0.08);
  display: flex;
  align-items: center;
  gap: 20px;
  transition: all 0.3s ease;
}

.summary-list li:hover {
  color: #003DA5;
  padding-left: 15px;
}

.check-icon {
  font-size: 18px;
  color: #C9A961;
  flex-shrink: 0;
}

/* CTA Section - Minimaliste et direct */
.cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, #003DA5 0%, #002B73 100%);
  text-align: center;
  color: #fff;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.cta-title {
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 300;
  color: #fff;
  margin-bottom: 25px;
  letter-spacing: -0.5px;
}

.cta-text {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.85);
  max-width: 600px;
  margin: 0 auto 50px;
  line-height: 1.8;
  font-weight: 300;
  letter-spacing: 0.3px;
}

.cta-button {
  background: #C9A961;
  color: #ffffff;
  padding: 18px 60px;
  border-radius: 2px;
  font-weight: 500;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-size: 12px;
  transition: all 0.3s;
  display: inline-block;
}

.cta-button:hover {
  background: #B8986D;
  transform: translateY(-2px);
}

.cta-affiliation {
  margin-top: 40px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.6);
  letter-spacing: 0.5px;
  font-weight: 300;
  text-transform: uppercase;
}

/* Footer - Minimaliste */
footer {
  background: #003DA5;
  color: #ffffff;
  padding: 80px 8% 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

footer p {
  font-size: 12px;
  letter-spacing: 0.5px;
  color: rgba(255, 255, 255, 0.7);
}

.footer-content {
  max-width: 1400px;
  margin: 0 auto;
}

.footer-title {
  font-family: 'Playfair Display', serif;
  font-size: 24px;
  color: #ffffff;
  margin-bottom: 50px;
  font-weight: 300;
  text-align: left;
  letter-spacing: 1px;
}

.footer-info {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 60px;
  margin-bottom: 60px;
}

.footer-section {
  text-align: left;
}

.footer-section h3 {
  color: #ffffff;
  font-size: 12px;
  margin-bottom: 25px;
  font-weight: 500;
  font-family: 'Inter', sans-serif;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.footer-section p,
.footer-section a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 13px;
  line-height: 2.2;
  text-decoration: none;
  display: block;
  transition: color 0.3s ease;
  font-weight: 300;
}

.footer-section a:hover {
  color: #C9A961;
}

.footer-section i {
  color: rgba(255, 255, 255, 0.6);
  margin-right: 12px;
  width: 16px;
  font-size: 12px;
}

.footer-bottom {
  margin-top: 60px;
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  text-align: center;
}

.footer-bottom p {
  font-size: 11px;
  letter-spacing: 0.5px;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
}

/* Responsive */
@media (max-width: 1200px) {
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .advantages-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .story-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .story-content > div:first-child {
    border-right: none;
    padding-right: 0;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }
}

@media (max-width: 768px) {
  nav { padding: 15px 5%; flex-wrap: wrap; }
  .nav-left { flex-direction: column; gap: 10px; align-items: flex-start; width: 100%; }
  .back-home { font-size: 11px; }
  .logo { font-size: 18px; }

  .hero {
    grid-template-columns: 1fr;
    padding: 100px 5% 60px;
    min-height: 80vh;
  }

  .hero::after {
    width: 100%;
    clip-path: polygon(0 0, 100% 0, 100% 30%, 0 50%);
  }

  .hero-content {
    padding-right: 0;
  }

  .hero h1 { font-size: 32px; }
  .section-title { font-size: 28px; }

  .stats-grid {
    grid-template-columns: 1fr;
  }

  .stat-card {
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .stat-card:last-child {
    border-bottom: none;
  }

  .comparison-grid,
  .example-grid {
    grid-template-columns: 1fr;
  }

  .advantages-grid {
    grid-template-columns: 1fr;
  }

  .footer-info {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 26px; }
  .section-title { font-size: 24px; }
  .stat-number { font-size: 36px; }
  .cta-title { font-size: 28px; }
}