/* ============================================================
   NEXTEPAY — home page styles (extracted verbatim from the former
   standalone index.html inline <style>). Loaded AFTER nextepay-style.css
   via base.html's {% block page_css %}, so shared selectors resolve to
   these values (identical computed styles to the old standalone home).
   ============================================================ */
  :root{
    --nuit:#0B1320; --ardoise:#1F2937; --gris:#6B7280; --gris-clair:#F1F5F9; --white:#fff;
    --or1:#FFD60A; --or2:#FFB300;
    --grad-or:linear-gradient(135deg,#FFE14D 0%,#FFC400 55%,#FF9E00 100%);
    --violet:#8B5CF6; --violet-txt:#7C3AED; --cyan:#22D3EE; --rose:#FB7185;
    --grad-aurora:linear-gradient(115deg,#FFD60A 0%,#FB7185 35%,#8B5CF6 68%,#22D3EE 100%);
    --grad-aurora-light:linear-gradient(115deg,#F59E0B 0%,#EC4899 48%,#7C3AED 100%);
    --ok:#22C55E; --err:#E5484D;
    --radius:22px; --shadow:0 10px 40px rgba(11,19,32,.08); --shadow-sm:0 4px 18px rgba(11,19,32,.06);
  }
  body::before{content:"";display:block;height:3px;background:var(--grad-aurora)}
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:var(--nuit);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
  .wrap{max-width:1160px;margin:0 auto;padding:0 28px}
  h1,h2,h3,h4{line-height:1.15;letter-spacing:-.02em;font-weight:600}
  a{text-decoration:none;color:inherit}
  .muted{color:var(--gris)}
  .gold{background:var(--grad-aurora);-webkit-background-clip:text;background-clip:text;color:transparent}
  .num{font-variant-numeric:tabular-nums}

  /* NAV : styles dans nextepay-style.css (source unique) — ne pas redupliquer ici. */
  .brand{display:flex;align-items:center;gap:10px}
  .btn{display:inline-block;border-radius:999px;padding:13px 26px;font-weight:600;font-size:14.5px;cursor:pointer;border:none;font-family:inherit;transition:transform .15s,box-shadow .15s;text-align:center}
  .btn:hover{transform:translateY(-2px)}
  .btn-nuit{background:var(--nuit);color:#fff}
  .btn-nuit:hover{box-shadow:0 10px 28px rgba(139,92,246,.35)}
  .btn-gold{background:var(--grad-or);color:var(--nuit);box-shadow:0 6px 24px rgba(255,214,10,.35)}
  .btn-gold:hover{box-shadow:0 12px 36px rgba(255,179,0,.55)}
  .btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.25)}
  .btn-ghost:hover{border-color:rgba(255,255,255,.5)}
  .btn-sm{padding:9px 18px;font-size:13.5px}

  /* ---------- HERO ---------- */
  .hero{background:var(--nuit);color:#fff;position:relative;overflow:hidden}
  .hero::before{content:"";position:absolute;width:620px;height:620px;border-radius:50%;top:-200px;right:-140px;background:conic-gradient(from 120deg,#FFD60A,#FB7185,#8B5CF6,#22D3EE,#FFD60A);filter:blur(130px);opacity:.38;animation:blob 16s ease-in-out infinite alternate;pointer-events:none}
  .hero::after{content:"";position:absolute;inset:0;background:radial-gradient(900px 460px at -8% 115%,rgba(34,211,238,.18),transparent 60%),radial-gradient(700px 380px at 55% 125%,rgba(139,92,246,.2),transparent 60%);pointer-events:none}
  @keyframes blob{to{transform:translate(-90px,80px) scale(1.18)}}
  /* minmax(0,…) is load-bearing: without it grid tracks default to min-width:auto,
     so the wide dashboard mockup blows the column past the viewport and drags the
     hero copy with it — text and CTAs then get clipped by .hero{overflow:hidden}. */
  .hero .wrap{position:relative;z-index:1;padding:158px 28px 96px;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:center}
  @media(max-width:960px){.hero .wrap{grid-template-columns:minmax(0,1fr);padding:130px 28px 64px}}
  .kicker{display:inline-flex;align-items:center;gap:9px;font-size:11px;letter-spacing:2.5px;font-weight:600;color:var(--or1);text-transform:uppercase;background:rgba(255,214,10,.09);border:1px solid rgba(255,214,10,.28);border-radius:999px;padding:8px 16px}
  .kicker::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--grad-aurora);flex:none}
  .hero h1{font-size:clamp(38px,5.4vw,66px);margin:22px 0 0;letter-spacing:-.035em}
  .hero h1 em{font-style:normal;background:var(--grad-aurora);-webkit-background-clip:text;background-clip:text;color:transparent}
  .hero p.lead{margin-top:22px;font-size:17.5px;color:#aebacc;max-width:52ch}
  .hero .cta-row{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap}
  .hero .trust{margin-top:38px;display:flex;gap:30px;flex-wrap:wrap;font-size:13px;color:#8b97a8}
  .hero .trust b{display:block;color:#fff;font-size:17px;font-weight:600}

  /* Dashboard mockup */
  .dash{background:#fff;border-radius:20px;box-shadow:0 30px 90px rgba(139,92,246,.4),0 12px 40px rgba(0,0,0,.35);overflow:hidden;color:var(--nuit)}
  .dash-head{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;border-bottom:1px solid #eef1f5;background:var(--gris-clair)}
  .dash-head .t{font-size:12.5px;font-weight:600;color:var(--gris)}
  .dash-head .dots{display:flex;gap:6px}
  .dash-head .dots i{width:9px;height:9px;border-radius:50%;background:#d7dde6;display:block}
  .dash-body{padding:20px}
  .dash-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}
  .kpi{background:var(--gris-clair);border-radius:12px;padding:12px 14px}
  .kpi .l{font-size:10.5px;letter-spacing:1.2px;font-weight:600;color:var(--gris);text-transform:uppercase}
  .kpi .v{font-size:19px;font-weight:600;font-variant-numeric:tabular-nums;margin-top:2px}
  .kpi .v .up{font-size:11px;color:var(--ok);font-weight:600}
  /* Tighten the mockup's 3 KPI tiles on small phones so the third one
     ("Decline rate") stops being clipped by the card. */
  @media(max-width:560px){.dash-body{padding:16px}.dash-kpis{gap:8px}.kpi{padding:10px 11px}}
  .tx{display:flex;align-items:center;gap:12px;padding:11px 4px;border-bottom:1px solid #f1f4f8;font-size:13.5px}
  .tx:last-child{border-bottom:none}
  .tx .ic{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex:none}
  .tx .ic.nuit{background:var(--nuit)}
  .tx .ic.clair{background:var(--gris-clair)}
  .tx .ic.or{background:var(--grad-or)}
  .tx .who{flex:1;min-width:0}
  .tx .who b{display:block;font-size:13.5px;font-weight:600}
  .tx .who span{font-size:12px;color:var(--gris)}
  .tx .amt{font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
  .tx .st{font-size:11px;font-weight:600;padding:3px 9px;border-radius:20px;white-space:nowrap}
  /* On a phone the mockup card is narrow: keep the transaction label to a single
     ellipsised line each so the row stays ~one line tall instead of ballooning. */
  @media(max-width:560px){
    .tx .who b,.tx .who span{display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
    .tx{gap:10px}
  }
  .st.paid{background:rgba(34,197,94,.12);color:#15803d}
  .st.wait{background:rgba(255,214,10,.2);color:#B45309}
  .dash-foot{padding:12px 20px;border-top:1px solid #eef1f5;font-size:12px;color:var(--gris);display:flex;justify-content:space-between}
  .dash-foot b{color:var(--nuit)}

  /* ---------- SECTIONS ---------- */
  section{padding:84px 0}
  section.alt{background:var(--gris-clair)}
  .sec-num{display:inline-flex;align-items:center;gap:9px;font-size:11px;font-weight:600;color:var(--violet-txt);letter-spacing:2px;text-transform:uppercase;background:rgba(124,58,237,.07);border:1px solid rgba(124,58,237,.2);border-radius:999px;padding:8px 16px}
  .sec-num::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--grad-aurora);flex:none}
  .dark-sec .sec-num{color:var(--or1);background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.18)}
  .sec-title{font-size:clamp(30px,4vw,48px);margin:16px 0 10px;letter-spacing:-.03em}
  .sec-title em{font-style:normal;background:var(--grad-aurora-light);-webkit-background-clip:text;background-clip:text;color:transparent}
  .sec-sub{font-size:16.5px;color:var(--gris);max-width:66ch}
  .center{text-align:center}
  .center .sec-sub{margin:0 auto}

  /* Tabs */
  .tabs{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin:36px 0 30px}
  .tab{padding:10px 20px;border-radius:30px;font-size:14px;font-weight:600;color:var(--gris);background:#fff;border:1px solid #e8ecf2;cursor:pointer;font-family:inherit;transition:.15s}
  .tab:hover{color:var(--nuit)}
  .tab.on{background:var(--nuit);color:#fff;border-color:var(--nuit)}
  .fgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
  @media(max-width:960px){.fgrid{grid-template-columns:1fr 1fr}}
  @media(max-width:640px){.fgrid{grid-template-columns:1fr}}
  .fcard{background:#fff;border:1px solid #eef1f5;border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:26px 26px 24px;transition:transform .15s,box-shadow .15s}
  .fcard:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .fcard .fic{width:42px;height:42px;border-radius:12px;background:var(--nuit);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
  .fcard h4{font-size:16.5px;margin-bottom:8px}
  .fcard p{font-size:14px;color:var(--gris)}
  .fpanel{display:none}
  .fpanel.on{display:block}

  /* Steps */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
  @media(max-width:880px){.steps{grid-template-columns:1fr}}
  .step{background:#fff;border:1px solid #eef1f5;border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:30px;position:relative}
  .step .n{width:40px;height:40px;border-radius:12px;background:var(--grad-or);color:var(--nuit);font-weight:600;font-size:17px;display:flex;align-items:center;justify-content:center;margin-bottom:18px}
  .step h4{font-size:17px;margin-bottom:8px}
  .step p{font-size:14px;color:var(--gris)}

  /* Split sections */
  .split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:60px;align-items:center}
  @media(max-width:920px){.split{grid-template-columns:minmax(0,1fr);gap:40px}}
  .split ul{list-style:none;margin-top:24px}
  .split ul li{padding:9px 0 9px 30px;position:relative;font-size:15px;color:var(--ardoise)}
  .split ul li::before{content:"";position:absolute;left:0;top:16px;width:14px;height:8px;border-left:2.5px solid var(--or2);border-bottom:2.5px solid var(--or2);transform:rotate(-45deg)}
  .split .cta-row{margin-top:28px;display:flex;gap:12px;flex-wrap:wrap}

  /* Link/QR mockup */
  .paycard{background:#fff;border-radius:18px;box-shadow:0 18px 60px rgba(11,19,32,.14);padding:28px 30px;max-width:380px;margin:0 auto}
  .paycard .badge{display:inline-block;font-size:11px;font-weight:600;letter-spacing:1px;padding:4px 11px;border-radius:20px;background:rgba(34,197,94,.12);color:#15803d;text-transform:uppercase}
  .paycard .amount{font-size:36px;font-weight:600;font-variant-numeric:tabular-nums;margin:14px 0 2px}
  .paycard .ref{font-size:13px;color:var(--gris)}
  .paycard .share{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:22px}
  .paycard .share div{background:var(--gris-clair);border-radius:12px;padding:13px 6px;text-align:center;font-size:12px;font-weight:600;color:var(--ardoise)}
  .paycard .share div span{display:block;font-size:19px;margin-bottom:3px}
  .paycard .secure{text-align:center;margin-top:18px;font-size:10.5px;color:#9aa4b2;letter-spacing:1.6px}
  .qrbox{display:flex;justify-content:center;margin-top:20px}

  /* Code mockup */
  .codecard{background:#0f1729;border-radius:18px;box-shadow:0 18px 60px rgba(11,19,32,.35);overflow:hidden;font-size:13.5px;max-width:460px;margin:0 auto}
  .codecard .ch{display:flex;justify-content:space-between;align-items:center;padding:13px 20px;background:rgba(255,255,255,.04);border-bottom:1px solid rgba(255,255,255,.07);color:#8b97a8;font-size:12px;font-weight:600}
  .codecard pre{padding:22px 24px;color:#c7d0dd;line-height:1.75;overflow-x:auto;font-family:'SF Mono',Consolas,monospace;font-size:13px}
  .codecard .k{color:#FFD60A}.codecard .s{color:#7ee0a3}.codecard .c{color:#5b6b82}
  .codecard .resp{padding:12px 24px;border-top:1px solid rgba(255,255,255,.07);font-family:'SF Mono',Consolas,monospace;font-size:12.5px;color:#7ee0a3}

  /* Dark section */
  .dark-sec{background:var(--nuit);color:#fff;position:relative;overflow:hidden}
  .dark-sec::after{content:"";position:absolute;inset:0;background:radial-gradient(800px 400px at 92% -5%,rgba(139,92,246,.28),transparent 60%),radial-gradient(700px 360px at 2% 110%,rgba(34,211,238,.18),transparent 60%),radial-gradient(500px 280px at 60% 0%,rgba(255,214,10,.1),transparent 60%);pointer-events:none}
  .dark-sec .wrap{position:relative;z-index:1}
  .dark-sec .sec-sub{color:#aebacc}
  .dark-sec .split ul li{color:#c7d0dd}

  /* Personas */
  .personas{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
  @media(max-width:960px){.personas{grid-template-columns:1fr}}
  .persona{background:#fff;border:1px solid #eef1f5;border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:32px;display:flex;flex-direction:column}
  .persona .pic{width:52px;height:52px;border-radius:14px;background:var(--nuit);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
  .persona h3{font-size:19px;margin-bottom:4px}
  .persona .sub{font-size:13px;color:var(--or2);font-weight:600;margin-bottom:12px}
  .persona p{font-size:14px;color:var(--gris);margin-bottom:16px}
  .persona ul{list-style:none;margin-top:auto}
  .persona ul li{padding:6px 0 6px 26px;position:relative;font-size:13.5px;color:var(--ardoise)}
  .persona ul li::before{content:"";position:absolute;left:2px;top:13px;width:12px;height:7px;border-left:2.5px solid var(--or2);border-bottom:2.5px solid var(--or2);transform:rotate(-45deg)}

  /* Final CTA */
  .final{background:var(--nuit);color:#fff;position:relative;overflow:hidden}
  .final::after{content:"";position:absolute;inset:0;background:radial-gradient(900px 440px at 50% 125%,rgba(139,92,246,.35),transparent 65%),radial-gradient(600px 320px at 15% 110%,rgba(255,214,10,.14),transparent 60%),radial-gradient(600px 320px at 85% 110%,rgba(34,211,238,.16),transparent 60%);pointer-events:none}
  .final .wrap{position:relative;z-index:1;padding:96px 28px;text-align:center}
  .final h2{font-size:clamp(28px,3.8vw,44px)}
  .final p{margin:18px auto 0;color:#aebacc;max-width:54ch;font-size:16.5px}

  /* ---------- BENTO ---------- */
  .bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:175px;gap:18px;margin-top:46px;text-align:left}
  @media(max-width:960px){.bento{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:560px){.bento{grid-template-columns:1fr}}
  .b{border-radius:var(--radius);border:1px solid #eef1f5;background:#fff;box-shadow:var(--shadow-sm);overflow:hidden;position:relative;padding:24px;transition:transform .15s,box-shadow .15s}
  .b:hover{transform:translateY(-4px);box-shadow:0 14px 44px rgba(139,92,246,.18);border-color:rgba(139,92,246,.35)}
  .b h4{font-size:16.5px}
  .b p{font-size:13.5px;color:var(--gris);margin-top:4px}
  .b.s2{grid-column:span 2}
  .b.r2{grid-row:span 2}
  @media(max-width:560px){.b.s2{grid-column:auto}}
  .b.photo{padding:0}
  .b.photo img{width:100%;height:100%;object-fit:cover;display:block}
  .b.photo .cap{position:absolute;left:0;right:0;bottom:0;padding:48px 24px 20px;background:linear-gradient(transparent,rgba(11,19,32,.88));color:#fff}
  .b.photo .cap p{color:#c7d0dd}
  .b.nuit{background:var(--nuit);border-color:var(--nuit);color:#fff}
  .b.nuit p{color:#8b97a8}
  .b .big{font-size:34px;font-weight:600;font-variant-numeric:tabular-nums;background:var(--grad-aurora);-webkit-background-clip:text;background-clip:text;color:transparent}
  .b.center-c{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:8px}
  .b.chartb{display:flex;align-items:center;justify-content:space-between;gap:26px}
  .bars{display:flex;align-items:flex-end;gap:7px;height:70px;flex:1;max-width:220px}
  .bars i{flex:1;background:#e6eaf0;border-radius:4px 4px 0 0}
  .bars i.hi{background:var(--grad-or)}
  .chat{display:flex;flex-direction:column;gap:8px;margin-top:16px}
  .bub{max-width:92%;padding:9px 12px;border-radius:12px;font-size:12.5px;line-height:1.45}
  .bub.out{background:var(--gris-clair);border-top-left-radius:4px;align-self:flex-start}
  .bub.in{background:var(--nuit);color:#fff;border-top-right-radius:4px;align-self:flex-end}
  .bub.pay{background:rgba(34,197,94,.12);color:#15803d;align-self:flex-end;font-weight:600}
  .b .mono{font-family:'SF Mono',Consolas,monospace;font-size:12.5px;background:rgba(255,255,255,.07);padding:11px 14px;border-radius:10px;margin-top:14px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .icchip{width:44px;height:44px;flex:none;border-radius:13px;background:var(--nuit);display:flex;align-items:center;justify-content:center;margin-bottom:4px}

  /* ---------- TIMELINE ---------- */
  .timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:56px;position:relative}
  .timeline::before{content:"";position:absolute;top:19px;left:10%;right:10%;height:3px;border-radius:3px;background:var(--grad-aurora);opacity:.55}
  @media(max-width:880px){.timeline{grid-template-columns:1fr}.timeline::before{display:none}}
  .tstep{text-align:center}
  .tstep .dot{width:38px;height:38px;margin:0 auto;border-radius:50%;background:var(--grad-or);color:var(--nuit);font-weight:600;display:flex;align-items:center;justify-content:center;position:relative;z-index:1;box-shadow:0 0 0 7px #fff}
  .tstep .visual{margin:22px auto 18px;background:#fff;border:1px solid #eef1f5;border-radius:16px;box-shadow:var(--shadow-sm);padding:20px;max-width:250px;min-height:100px;display:flex;align-items:center;justify-content:center}
  .tstep h4{font-size:17px}
  .tstep p{font-size:14px;color:var(--gris);max-width:30ch;margin:4px auto 0}
  .mini-acc{display:flex;gap:12px;align-items:center}
  .av-sq{width:40px;height:40px;border-radius:12px;background:var(--nuit);color:var(--or1);font-weight:600;font-size:13px;display:flex;align-items:center;justify-content:center;flex:none}
  .chan{display:flex;gap:10px}
  .chan span{width:40px;height:40px;border-radius:12px;background:var(--nuit);display:flex;align-items:center;justify-content:center}
  .chip-ok{display:inline-block;margin-top:6px;font-size:11.5px;font-weight:600;background:rgba(34,197,94,.12);color:#15803d;padding:3px 10px;border-radius:20px}

  /* ---------- PHOTOS & VIE ---------- */
  .hero-visual{position:relative;padding-top:64px}
  .hero-visual .hphoto{position:absolute;top:0;right:-6px;width:66%;aspect-ratio:16/10;object-fit:cover;border-radius:16px;transform:rotate(2deg);box-shadow:0 20px 60px rgba(0,0,0,.45);border:3px solid rgba(255,255,255,.09)}
  .hero-visual .dash{position:relative;width:90%}
  .float-chip{position:absolute;z-index:3;bottom:-20px;right:-4px;background:#fff;color:var(--nuit);border-radius:14px;box-shadow:0 14px 40px rgba(0,0,0,.35);padding:11px 16px;display:flex;gap:11px;align-items:center;font-size:12.5px}
  .float-chip .okic{width:30px;height:30px;border-radius:50%;background:rgba(34,197,94,.14);color:#15803d;display:flex;align-items:center;justify-content:center;font-weight:600;flex:none}
  .float-chip b{display:block;font-size:13px}
  @media(max-width:960px){
    .hero-visual{padding-top:48px}
    .float-chip{right:8px}
    /* Fit the mockup to the column and drop the rotated overlay photo so nothing
       spills past the viewport (was clipping the status chips + KPI column). */
    .hero-visual .dash{width:100%}
    .hero-visual .hphoto{display:none}
  }

  .life{padding:64px 0 72px;overflow:hidden}
  .life .strip-mask{overflow:hidden;margin-top:36px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
  .strip{display:flex;gap:18px;width:max-content;animation:defile 46s linear infinite}
  .strip img{height:200px;width:290px;object-fit:cover;border-radius:16px;box-shadow:var(--shadow-sm)}
  .strip:hover{animation-play-state:paused}
  @keyframes defile{to{transform:translateX(-50%)}}
  .paylogos{display:flex;gap:38px;align-items:center;justify-content:center;flex-wrap:wrap;margin-top:48px}
  .paylogos .pl-label{font-size:12px;letter-spacing:2px;font-weight:600;color:var(--gris);text-transform:uppercase;width:100%;text-align:center;margin-bottom:2px}
  .paylogos img{height:26px;width:auto;filter:grayscale(1);opacity:.65;transition:.2s}
  .paylogos img:hover{filter:none;opacity:1}

  .stack{position:relative;max-width:420px;margin:0 auto;padding-top:120px}
  .stack .bg{position:absolute;top:0;left:50%;transform:translateX(-54%) rotate(-2.5deg);width:92%;aspect-ratio:16/10;object-fit:cover;border-radius:18px;box-shadow:0 18px 50px rgba(11,19,32,.2)}
  .stack .paycard{position:relative}

  .persona.has-photo{padding:0;overflow:hidden}
  .persona .pimg{width:100%;height:172px;object-fit:cover;display:block}
  .persona .pbody{padding:26px 28px 30px;display:flex;flex-direction:column;flex:1}

  .quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
  @media(max-width:920px){.quotes{grid-template-columns:1fr}}
  .quote{background:#fff;border:1px solid #eef1f5;border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:30px;text-align:left;font-size:14.5px;color:var(--ardoise);display:flex;flex-direction:column}
  .quote .stars{color:var(--or2);letter-spacing:3px;font-size:13px;margin-bottom:12px}
  .quote .who{display:flex;gap:12px;align-items:center;margin-top:auto;padding-top:20px}
  .quote .av{width:42px;height:42px;border-radius:50%;background:var(--nuit);color:var(--or1);display:flex;align-items:center;justify-content:center;font-weight:600;font-size:13.5px;flex:none}
  .quote .who b{display:block;font-size:14px;color:var(--nuit)}
  .quote .who span{font-size:12.5px;color:var(--gris)}

  /* ---------- REVEAL AU SCROLL ---------- */
  .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
  .reveal.vis{opacity:1;transform:none}
  @media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.hero::before,.strip{animation:none}}

  /* Témoignages new gen */
  .quote{transition:transform .25s,box-shadow .25s}
  .quote:hover{transform:translateY(-4px);box-shadow:0 16px 48px rgba(139,92,246,.16)}
  .quote .av{box-shadow:0 0 0 2px #fff,0 0 0 4px rgba(139,92,246,.55)}

  /* Strip photos inclinées */
  .strip img:nth-child(odd){transform:rotate(-1.4deg)}
  .strip img:nth-child(even){transform:rotate(1.4deg)}

  /* Wordmark géant footer */
  .mega{font-size:clamp(76px,15vw,210px);font-weight:600;letter-spacing:-.05em;line-height:.9;text-align:center;background:linear-gradient(180deg,rgba(255,255,255,.13),rgba(255,255,255,0));-webkit-background-clip:text;background-clip:text;color:transparent;user-select:none;padding-top:28px;overflow:hidden}

  /* ---------- PERSONAS NEW GEN ---------- */
  .pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:46px}
  @media(max-width:960px){.pgrid{grid-template-columns:1fr}}
  .pcard{position:relative;height:480px;border-radius:24px;overflow:hidden;cursor:pointer;display:block}
  .pcard img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .6s cubic-bezier(.2,.7,.2,1)}
  .pcard:hover img{transform:scale(1.07)}
  .pcard .ol{position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,19,32,.05) 30%,rgba(11,19,32,.94) 82%);transition:.4s}
  .pcard:hover .ol{background:linear-gradient(180deg,rgba(11,19,32,.15) 12%,rgba(11,19,32,.96) 70%)}
  .pcard::after{content:"";position:absolute;inset:0;border-radius:24px;border:2px solid transparent;transition:.3s;pointer-events:none}
  .pcard:hover::after{border-color:rgba(139,92,246,.55)}
  .pcard .go{position:absolute;top:18px;right:18px;width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.14);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.25);color:#fff;display:flex;align-items:center;justify-content:center;font-size:17px;transition:.3s;transform:translateY(-6px);opacity:0}
  .pcard:hover .go{transform:translateY(0);opacity:1;background:var(--grad-or);color:var(--nuit);border-color:transparent}
  .ptxt{position:absolute;left:0;right:0;bottom:0;padding:26px;color:#fff;text-align:left}
  .ptag{display:inline-block;font-size:10.5px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--or1);margin-bottom:8px}
  .ptxt h3{font-size:23px}
  .pchips{display:flex;flex-wrap:wrap;gap:8px;margin-top:0;max-height:0;opacity:0;overflow:hidden;transition:max-height .45s cubic-bezier(.2,.7,.2,1),opacity .35s,margin-top .35s}
  .pcard:hover .pchips{max-height:130px;opacity:1;margin-top:14px}
  .pchips span{background:rgba(255,255,255,.13);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:7px 14px;font-size:12px;font-weight:600;white-space:nowrap}
  @media(max-width:960px){.pchips{max-height:130px;opacity:1;margin-top:14px}.pcard .go{opacity:1;transform:none}}

  /* Footer */
  footer{background:#080d16;color:#8b97a8;font-size:14px}
  footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:44px;padding:64px 0 48px}
  @media(max-width:880px){footer .cols{grid-template-columns:1fr 1fr}}
  @media(max-width:560px){footer .cols{grid-template-columns:1fr}}
  footer h5{color:#fff;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:16px;font-weight:600}
  footer a{display:block;padding:5px 0;color:#8b97a8}
  footer a:hover{color:var(--or1)}
  footer .base{border-top:1px solid rgba(255,255,255,.08);padding:22px 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12.5px}
  footer .base .legal a{display:inline;margin-left:18px}

/* ---- CTA « Ouvrir un compte » désactivé (bientôt disponible) ---- */
.btn-disabled{background:rgba(139,148,161,.16);color:#8b97a8;border:1px solid rgba(139,148,161,.28);box-shadow:none;cursor:not-allowed;pointer-events:none}
.btn-disabled:hover{transform:none;box-shadow:none}
.soon-badge{font-size:9.5px;letter-spacing:1.2px;text-transform:uppercase;font-weight:600;margin-left:8px;opacity:.9}

/* ---- Locale switcher (footer) + geo suggestion banner (Phase A1) ---- */
.locale-switch{display:flex;align-items:center;flex-wrap:wrap;gap:6px 14px;padding-top:22px;margin-top:8px;border-top:1px solid rgba(255,255,255,.08)}
.locale-switch .ls-globe{display:inline-flex;color:#8b97a8}
.locale-switch .ls-item{display:inline-block;padding:2px 0;font-size:12.5px;font-weight:600;color:#8b97a8;transition:color .15s;border-bottom:1px solid transparent}
.locale-switch .ls-item:hover{color:#fff;border-bottom-color:rgba(255,255,255,.35)}
.locale-switch .ls-item.on{color:var(--or1);cursor:default}
.locale-switch .ls-item.on:hover{border-bottom-color:transparent}
.locale-switch .ls-soon{opacity:.42;cursor:not-allowed;border-bottom-color:transparent}
.locale-switch .ls-soon:hover{color:#8b97a8;border-bottom-color:transparent}
.locale-switch .ls-soon .soon-badge{margin-left:6px;opacity:.85}

.geo-banner{position:relative;z-index:70;color:#fff;background:var(--nuit);border-bottom:1px solid rgba(255,255,255,.08)}
.geo-inner{max-width:1160px;margin:0 auto;padding:12px 28px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.geo-globe{display:inline-flex;color:var(--or1);flex:none}
.geo-text{margin:0;font-size:13.5px;font-weight:500;color:#c9d2de;flex:1;min-width:180px}
.geo-actions{display:flex;gap:10px;flex:none;flex-wrap:wrap}
.geo-stay{background:transparent;color:#c9d2de;border:1px solid rgba(255,255,255,.22)}
.geo-stay:hover{border-color:rgba(255,255,255,.5);color:#fff}
@media(max-width:640px){.geo-actions{width:100%}.geo-actions .btn{flex:1}}